23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries appearing credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my XXXX XXXX : XXXX XXXX XXXX {$0.00}
Product: Checking or savings account

I had a pending charge from an online transaction that I didn't order. The amount was overcharged and it lowered my funds. But never over drafted my account. The transaction was always in pending. However my bank First Citizens Bank charged me an overdraft. Finally the pending charge just fell off. I tried to go to my local branch and was treated rudely by someone who I assume was some middle management. She said it wasn't their fault and she would have to see. A couple days have now passed and the funds have not been restored. It was bordering on fraud from both the company who tried to charge me and the bank who did charge me an overdraft that was never in the negative. And they will not refund it. This is the first time I noticed this action. And I wonder if it had happened before. I suspect yes. I should have been taking better notice. Also since I have been charged theNSF fees before they now hold my check stating that is for my benefit to be sure that my employers check clears. Which is hogwash. Its just a way to punish me for being poor. And I told them that. They are hardly ever friendly when I try to explain my issues with them. I have never had a bank treat me this poorly. They never take responsibility nor do they seem to care. And most likely I will be terminating this account sooner than later. I just ran across this link while looking for new banks so I thought I would send the information to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was garnished in a court of law in XXXX, Co from BC Services Inc, XXXX XXXX. XXXX XXXX, XXXX, Co XXXX. I did not receive proper notice of them taking me to court, nor was I notified of the court date. I received notice from my job accounting department that I was being garnished. I did call BC Services , Inc . They were very rude and laughed me to scorn. They would not let me negotiate to pay a lower amount in payments. They took so much out each month I barely had enough money to pay my rent let alone buy food and pay my bills. I used to go to XXXX XXXX hospital for my health care, they have partnered with BC to get paid by whatever means possible. As long as they get paid. I can not afford to go anymore because they are too expenses. Now, BC Services Inc is  threatening me for physical therapy bills that I dispute the validity of. I believe they want to increase the amount of my debt so they can have me garnished again. What are my rights as a citizen to protect myself from these vultures and to get fair payment plans for medical bills? I have one more complaint about BC Services , Inc . They have not sent me my receipt for the aforementioned garnishment of {$3500.00} court-ordered I paid {$3500.00}. So, they were overpaid. When I called BC on the phone the person I spoke to said I owed an additional {$98.00}. She was told to tell me the {$98.00} was waived. The garnishment was filed on XX/XX/19 and was paid off in XXXX or XXXX. Yet. I have not received a receipt and they said they would send me one. What can I do?
Product: Credit reporting or other personal consumer reports

I am sending to notify you that I have become a victim of identity theft. Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), I request the removal of any items listed in my identity theft report. 

XXXX XXXXXXXX XXXX XXXX BALANCED {$2.00} XXXX XXXX XXXX XXXX BALANCED {$2.00} XXXXXXXX XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX BALANCED {$6.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$1000.00} XXXX Original Creditor XXXX XXXX XXXX XXXX BALANCED {$2600.00} XXXX XXXXXXXX Original Creditor XXXXXXXX XXXX XXXX XXXXXXXX BALANCED {$100.00} XXXX XXXX XXXX Original Creditor XXXX XXXX BALANCED {$2.00} XXXX  XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX BALANCED {$7200.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Bank of America is trying to steal my home from me. United States XXXX Veteran who hasn't missed a payment in years. Bank of America has secretly changed my amount of my mortgage stated that a mortgage evaluation was completed and monthly amount went up. This information was never made available nor was an option to pay down the escrow amount to keep my payments the same or lower offered to me. Later I received letters stating that I was in default and that my home would be placed to foreclosure if I didn't make payments. I reviewed my records back to XX/XX/2017and didn't see one missed payment. There is no other conclusion other than they are trying to keep me from paying my home off for ownership and trying to steal my home from up under me. Well I XX/XX/XXXX/XX/XX/XXXXveteran  and I'm not giving up my home without a fight as I was trained at XXXX XXXX, GA. 
COVID-19 is causing people to lose their jobs and not pay their bills I'm currently in an economic crisis like a lot of others but, one thing I  promised my children was that Daddy was going to be able to make sure they always have a place to come home to. I've spoken to several BOA reps since XXXX all the way up through now with absolutely no assistance. I'm in desperate need of help with this matter please help.
Product: Credit reporting or other personal consumer reports

United Revenue failed to correctly follow practices of the FDCPA. Not only have they been advised that my information was involved in an XXXX data breach, they failed to provide any debt validation ; signature binding me to an agreement with United Rev ; license to collect debt in the state of Texas ; and the requested forward flow agreement. To my knowledge, this is illegal and clear gross misconduct in which I am able to sue. Furthermore, this debt collector is in violation of 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. And 15 US Code 1681b ( 4 ) Limitation on redisclosure of medical information. Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order. 
under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days, and you must delete the items from my credit file immediately.

UNITED REVENUE ( Original Creditor : XXXX  XXXX XXXX ) XXXX
Product: Credit card

On Monday, XX/XX/year> I accidentally overpaid the balance on my credit card. My intention was to pay down my current balance to XXXX, so I " thought '' through the website that if I did a XXXX time payment amount {$5200.00}, that the " usual '' monthly statement amount would be stopped or overridden since it did not appear on the webpage that appeared for me to do this transaction. I checked the balance on Wednesday, XX/XX/year>. I was horrified that credit card company, Elan Financial Services took both the statement amount {$3400.00} and the XXXX time amount {$5200.00} on that same day making my credit card balance a whopping minus {$3200.00} bal. I contacted XXXX XXXX XXXX customer service billing department and requested that they immediately return the over payment to my checking account since they withdrew more than {$8000.00} from my checking account and caused me to have overdraft charges. I was promised that the quickest way to resolve this was for me/them to request internally a reversal of the {$3400.00} error of payment and was told that I could expect it back in my checking account in 7 days. So yesterday, Wednesday, XX/XX/year> I contacted the same group and spoke with XXXX who answered the call and then I requested a supervisor, XXXX who informed me that with this amount of refund has to go to a committee for " Review which takes up to XXXX BUSINESS days!! '' This basically translates to XXXX weeks! The explanation given was " they have to make sure the money clears ''.. I informed XXXX it has cleared since I have a large credit balance on my statement currently and my checking account is lacking the amount listed above. They are refusing to return the over payment and I am not happy about how they are handling this complaint. They basically told me that I will have to wait for them to do their thing what ever that is, I am not sure. I will cancel any and all transactions with this group and not recommend using this company for ANY financial services including credit cards!!
Product: Mortgage

My loan was transferred to XXXX XXXX from Caliber Home Loans in XXXX of 2017. Caliber Home Loans still reflects my loan as being open with the credit bureaus, specifically XXXX. I  have asked Caliber Home Loans to contact the credit bureaus and report my loan as either closed or transferred and to no avail. They keep indicating to me that they no longer have the loan and they do n't have any way to change it. I have been denied two loans because of my debt-to-income ratio. Every time I file a dispute with XXXX, it comes back that they have verified the status.
Product: Debt collection

After checking my credit report I noticed that I have a collection from a Company called LVNV Funding for the amount of {$1100.00} I have contacted LVNV via phone asking them to please send out Validations of this account not Verify them! This Company has now submitted a garnishment of my paycheck for 25 % .I have never sign a contract with this company.I have also asked for proof of my wet signature showing that i have signed a contract with them and i know for a fact that they can not provide this.I have also disputed these via credit bureau websites and they came back verified but still no validations and proof of my signature with these company. I also never received notice that I was being sued for the garshiment of my pay.
Product: Checking or savings account

I am in possession of 4 TIGR Bonds, issued by XXXX XXXX XXXX XXXX ( below and attached ). I then outline my weekslong effort to receive an answer about how to redeem these bonds. 

This table did not paste in well, I apologize. 

CUSIP Number Maturity Date Face Amount XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX On XX/XX/XXXX, I reached out to XXXX XXXX XXXX Relations via telephone, as I was informed that they were the payee per DTC. 
On XX/XX/XXXX, after not hearing back, I emailed XXXX Bondholder Relations, and heard back on XX/XX/XXXX that although XXXX is listed as the payee, due to the maturity date, my bonds were to be serviced by Chase. 
XXXX informed me that I would be best served contacting Chase at the below address : J.P. Morgan Chase Attn : Research Department Corporate & Investment Bank XXXX XXXX XXXX - XXXX XXXX  XXXX, Texas XXXX On XX/XX/XXXX, I called Chase support to attempt to connect with someone at the above Research Dept, but was unable to be provided a phone number or email address to connect directly. 
On XX/XX/XXXX I mailed a letter to the above referenced Chase address ( certified mail tracking # XXXX, confirmed delivery on XX/XX/XXXX ) On XX/XX/XXXX, I reached out via Chases social media ( XXXX  ), attempting to again find a contact at the Research Dept. They were unable to provide any additional contact information, and attempted to again tell me that the US Treasury was the appropriate contact for these bonds ( confirmed via Treasury email on XX/XX/XXXX that they were not the correct party ). 
On XX/XX/XXXX, reached out to Chase bank executive office ( XXXX ) On XX/XX/XXXX, reached out to XXXX XXXX email address at Chase On XX/XX/XXXX I received a voicemail from Chase executive offices, which I returned a voicemail to. 
On XX/XX/XXXX I left another voicemail with Chase executive offices. 
On XX/XX/XXXX I heard back from Chase Executive offices that I should refer to the US Treasury for information on these bonds ( see # 5 where Treasury said it is not their responsibility ). 

In short, from what I have learned, Chase bank should be the payer of these bonds, and they are claiming to have no record and not be responsible. I regularly check my states missing property database, and had not come across anything from an escheatment perspective.
Product: Checking or savings account

Someone tried to open a Wells Fargo deposit account I received a letter from Wells Fargo. On XX/XX/2022 XXXX
Product: Checking or savings account

I'm trying to set up direct deposit with my new job.
Product: Bank account or service

Wells Fargo has refused to CLOSE MY PERSONAL BANKING ACCOUNTS and instead continues to assess overdraft fees in an acount that has become overdrawn due to an illegal banking practice related to their BILL PAY PROGRAM ( complaint # XXXX ).
Product: Checking or savings account

I attempted to open an account with Chime. Due to an issue with my camera not obtaining a clear picture, the process went no where and timed out. 

Upon contacting support, they asked for standard information. Pic of drivers license, front and back, and last 4 of social. No big deal.

They then inform me they are unable to assist me unless I send a picture of my social security card. I refused - emailing a company 's generic support inbox your entire social security card is against customers protection. 

I asked for a secure location to upload the documents to - they reiterate to email the pic. I point out Chimes company policy. I point out IN THEIR EMAIL SAYS CHIME WILL NEVER ASK FOR SOCIAL SECURITY NUMBER! They continue asking for a picture, and refuse to assist unless I send them a picture of it. Through email.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the Experian & XXXX credit reporting agency , block information appearing on my consumer credit report due that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The information in question is due the XXXX Data Breach which my information was compromised. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/year> under the account number XXXX, and an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/year> under the account number XXXX. These accounts have resulted in several hardship denials of credit and fraudulent charge offs appearing on my consumer FICO credit report. 
All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud. 
The accounts are also currently under litigation as you will see documentation attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a vitim of Identity Theft
Product: Credit reporting or other personal consumer reports

I received an alert on my credit monitoring service. The alert was for a new account with XXXX XXXX ( 2 ) weeks ago. It had been placed on my report and was never there before. I disputed the account with XXXX and Trans Union. Trans Union never did anything and placed something on my report stating it meets FCRA requirements. I checked today and now I have a collections account on my report for over {$1000.00} dollars. I dontknow where this account is coming from!
Product: Debt collection

I received a notice from a collection agency in XXXX 2018 stating I owed for a credit card I had allegedly opened. I responded with a general letter stating I wanted to see my signature for this credit card I had allegedly opened. The collection agency responded with a statement of balance due but nothing concrete proving this account was opened by me. I then sent another letter, this time making it absolutely clear that I had not received that I requested in the previous letter and I wanted to be provided with the signature given when the account was opened. Once again, I was not provided with the information I had requested. Instead, I was sent an itemized summary of the billing statements. I made it very clear I wanted to see a signed document, but the collection agency has failed to provide me with one.
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX  XXXX XXXX
Product: Vehicle loan or lease

Since XX/XX/XXXX, we have been having a problem with submitting auto loan payments to Fifth Third Bank XXXX. We took out the loan in XX/XX/XXXX, which we obtained through our local car dealership, XXXX XXXX, and we have not encountered any problems until now. In XXXX the check that I submitted to them on time never cleared my bank. I tried to contact them by telephone and online ( www.53.com ) and can not get through to anyone at XXXX. I have tried numerous times. The one time I did manage to get a live person on the phone, the person hung up on me before I could say anything. I received a letter from the bank  dated XX/XX/XXXX asking for me to resend the check, which I did within two days of receiving it. I sent the second check for the  XXXX car payment on XX/XX/XXXX. I sent the second check certified and return receipt requested through the postal service. To this date, XX/XX/XXXX, neither check has cleared my bank. I have informed my local branch bank. The XXXX check is coming due and I do not know what to do. I saw in the news online recently ( In XX/XX/XXXX ) that Fifth Third Bank XXXX has a lawsuit against them for unethical practices, and that they recently charged 11 employees with stealing funds from customers. I am concerned and wish to resolve this problem. I have never missed a payment or been late with a payment.
Product: Debt collection

On XX/XX/20 I was notified by an attorney soliciting my business, that I was being sued by Zwicker & Associates in the amount of {$19000.00}. I researched and found this online and to my surprise, found this to be true. I called their office on XX/XX/20 to attempt to validate the debt and understand why I didnt receive any mail. The representative told me that they had the wrong address. On the court document they have an address listed from 3 years ago. They made no attempt to locate my correct address and I never received any mail from them regarding this supposed debt, so I had no opportunity to validate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent supporting documentation to all three credit bureaus in regards to inaccurate/wrong and or fraudulent information that has been reporting on my credit file for several months. I never filed or been any any Chapter XXXX Bankruptcy period. My overall credit standing is good and this inaccurate/wrong and or fraudulent information is having a negative impact on my current rating. Here it is XXXX beyond 30 days and I haven't heard anything from XXXX, Equifax, or XXXX in regards to my initial dispute. Both the County Court house and XXXX XXXX neither have any records of a filed bankruptcy on my behalf. I this erroneous reporting absolutely unacceptable and is a clear violation of my rights as a consumer.