23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hi, I ordered an item from XXXX XXXX online store on XX/XX/2021, when I placed the order it appeared the item should delivery on XX/XX/XXXX. On XX/XX/XXXX, I got an email about shipping information from XXXX XXXX. At the same day I was charged the item 's amount {$43.00} to my chase credit card. And then this amount was changed to " the last statement '', I could not did dispute by myself through Chase online bank. From that time to now, XX/XX/XXXX, I did not receive the item, the delivery dates were changed 3 times by XXXX XXXX, and I used the tracking no to check the shipping status, the item never shipped out! I tried to contact XXXX XXXX for cancel this order, but XXXX XXXX refused my request. Then I had to contact Chase to dispute this amount through Chase online bank 's secure message about XX/XX/XXXX, in this message I told them what happened and attached the screenshot of XXXX tracking information ( XXXX did not pick up the item ), they reply to me that I need wait one week for update. After one week, yesterday, I sent secure message to ask for this case 's update, today they reply me that they asked for me to call the disputed department 's phone no.! I got a bad experience from Chase credit card customer service! If they need I to call the dispute No., why they could not tell me when I contacted them first time. why they told me to wait for one week?
Product: Credit card or prepaid card

Credit Card failed to process balloon payment when outstanding balances came due. They then retroactively assessed a significant late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy in XXXX. Thereafter a creditor that was included in my bankruptcy sold my debt to a debt collection company. This of course being a violation of Federal law. I alerted the debt collection company, the original debtor and XXXX, XXXX  and Equifax. They investigated the claim simply updated the collection as being included in bankruptcy in XXXX but will not delete the illegal debt off my report. Despite the report stating included in bankruptcy in XXXX and the debt being reported in XX/XX/XXXX. I have tried and tried to point this out to XXXX  and they are either ignorant of the law or simply refusing to correct their error. Please intervene. I am trying to buy a home and this is destroying my credit score.
Product: Checking or savings account

My name is XXXX XXXXI am XXXX and XXXX  of XXXX XXXX XXXX East West Bank Account NameXXXX XXXX XXXX account XXXX XXXX XXXX Bank nameEast West Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX East West Bank modified the control of my bank account without my signature, I am a XXXX of XXXX XXXX XXXX.without verifying with me. Someone illegally forged my signature and changed the control of my account. Now you have closed my account without my consent. I request that the remaining money be transferred to another bank account of my company. East West Bank does not agree and insists on sending me a check. I do not agree to send a check because we can not transfer the check account to this newly opened account. Therefore, we request a refund and we hope to refund the funds to our XXXX XXXX account in XXXX XXXX.
Product: Checking or savings account

Hello- A few months ago, I received a mail-in promo to open a checking account at M & T Bank XXXX I opened an account in person with a {$400.00} promotional credit if there were {$500.00} or more of direct deposits within the first 90 days of account opening. I met the terms and my banker confirmed I would receive the bonus over email. The bonus was never eventually paid. I have followed up XXXX or XXXX times to no resolution. I have all the original documentation on the promotion, account opening, and emails confirming I did everything as needed. I am at a loss for why they are not honoring it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a dispute for incorrect items which were listed on my credit report. It has been well over 30 days and I still have not received any response or investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau RE : Ally Financial - Error in reporting After numerous attempts and requests, I hereby am sending another request to CFPB asking if you can assist me in having Ally Financial to comply with the laws applicable to verifying the reporting of payments. 

Ally Financial has submitted corrections to the account by shifting the current and ( 30 ) thirty day late payments from one month to another as follows : CORRECTED TO SHOW : PREVIOUSLY SHOWED : XX/XX/XXXX Current XXXX XXXX 30 Days Late DXXXX XXXX 30 Days Late XX/XX/XXXX Current XX/XX/XXXX Current XXXX XXXX 30 Days Late XXXX XXXX 30 Days Late XXXX XXXX - Current All Ally Financial did was move the payment history around. It still shows two ( 2 ) Late payments. These payments were adjusted due to the pandemic and paid according to the updated agreement, but they have never corrected their reporting. 

Ally Financial has maneuvered two monthly payments for over a year now and are hindering my credit report from being accurate. I have requested that they adhere to their letters to extend the due days which would have made my payments Current, and not 30 Days Late.
Product: Debt collection

I 'm currently being charged off for the amount of {$360.00} by the XXXX XXXX XXXX. This represents the tuition for a XXXX course at XXXX XXXX  University I registered for in 2015. This charge was was a result of an error made on my FAFSA application, and that error was resolved during the second week of the fall semester and my tuition was paid in full by FAFSA. There is very little the school seems to be able to do at this point simply because the account has been makes by collections.
Product: Debt collection

During covid-19 My landlord insisted that all his tenants should get on the program to help the future rent payments. I was told to come to the property managers office and they would set up the account and reach out to the rental assistance. Rental assistance paid the amount that they said was due. The amount could have been correct because I wasn't behind on my rent. The property manager came up with a balance and rental assistance paid and then months later when rental assistance shut down.The property manager also refused my payments. Then, I was facing an eviction me and my XXXX children was evicted. The owner of the property then sold the property to someone else after rental assistance sent the checks out to the property owner.
Product: Prepaid card

{$810.00} was fraudulently charged on my XXXX XXXX prepaid visa. They will not give me a provisional credit. I 'm a single mom on a tight budget.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : US DEPT ED Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : TN CHILD SUP Account Number XXXX XXXX and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

They closed my account instead of helping me with the transaction
Product: Debt collection

I received a debt collection notice from XXXX XXXX XXXX for {$82.00} from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I sent a certified letter requesting validation of the debt. on XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that they had conducted a complete investigation and the account has been cancelled per clients request and that they ceased collection of the account. 

Later if XX/XX/XXXX I received a letter from XXXX XXXX XXXX requesting payment of {$82.00} for services rendered at XXXX XXXX XXXX XXXX. I called and spoke to the representative and explained the same debt in question from RMP. The representative requested that I send them a copy of the letter closing the account from XXXX XXXX to : XXXX which I did on XX/XX/XXXX.

XXXX XXXX XXXX called me today ( XX/XX/XXXX )  and asked me to pay {$82.00} I told them about the situation and they told me that they would report this to my credit for refusal to pay and that they would not verify the debt and that their word was verification enough and hung up on me. 

I do not have a physical copy of the XXXX XXXX XXXX letter but their information is below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my XXXX, XXXX XXXX Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XXXX XXXX, I obtained a copy of my credit report. It lists a negative report by the following agency : CONVERGENT OUTSOURCING XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX Stating : Potentially negative items Collection account. 
{$150.00} past due as of XXXX 2016. 

A photo can be attached. 

This is not my debt. I have never had a XXXX account. I have contacted Convergent Outsourcing but have not had a reply. The only contact they have had with me is the indirect contact by posting false information on my credit report. 

That is libelous and a defamation of my character. I demand that the agencies be contacted at once and have all negative remarks and accusations removed from all credit bureaus. 

Further, according to the Fair Debt Collection Practices Act, section 809, Validation of debts [ 15 USC 1692g ] : ( a ) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ... 

( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 


They failed to perform the quoted sections and are thus in violation of the Fair Debt Collection Practices Act. They have never ever contacted me either by phone or mail or any other method or made any attempt to do so. 

Due to the fact that they are in XXXX and I am in XXXX, I wonder how many other people with a name similar to mine received similar derogatory reports. 

They need to correct this at once.
Product: Checking or savings account

On XX/XX/24, I sent a check via bill pay to a Church in the amount of {$1500.00}. The check was delivered on XX/XX/24. Based on the proof of payment from the Bank, the check cleared on XX/XX/24. The Church notified me that they did not deposit the check and it may have been stolen. We looked at historic deposits by the church and the Treasurer typically endorses the check prior to depositing the check.

I called the Bank to understand where the check was cashed and why the check was allowed to clear without proper endorsement. When I called the customer service line, I was transferred to six different representatives, including a sr. escalation representative, and a level two representative / supervisor. They all could not provide where the check was cashed and why the check was allowed to clear without any endorsement. I filed a claim and the claim was subsequently closed with an explanation that the check was sent to the right address. Also, there was no investigation performed by the Bank.
Product: Credit card or prepaid card

On XX/XX/XXXX, submitted a dispute for a payment to a merchant who provided services that were not as described. Several months later, on XX/XX/XXXX, I received correspondence from Citibank ( card issuer ), that my dispute and the provisional credit had been reversed based on information from merchant. Information from merchant was provided to me, which included photos of an unknown person, and an email between the merchant 's corporate office and the physical store location. I provided a rebuttal to merchant 's response to Citibank ( card issuer ) on XX/XX/XXXX. Shortly thereafter on XX/XX/XXXX, I received a letter stating the claim was closed in merchant 's favor, despite my rebuttal including the requested information. Card issuer 's letter of XX/XX/XXXX, is continuing to claim that the information requested was not provided, including a proof of return, for which non exist, because payment was for a service, not a product.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report.

As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed this account from their records. 

XXXX XXXX XXXX XXXX I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. 

It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions, I have filed for my invasion of privacy 15 US 1681 ( a ) ( 4 ) consumers ' right to privacy and identity theft. Previous case numbers XXXX XXXX, XXXX Equifax, XXXX XXXX XXXX I have proven several times that I never gave written permission to use my information on any credit report. These credit bureaus constantly write back stating that your Bankruptcy is accurate. I already know that. This also shows continuous identity theft by not removing Bankruptcy from a credit report when showing violations. I have filed with Nevada State Attorney General 's office for identity theft. Violation NRS 205.4651.
Product: Money transfer, virtual currency, or money service

My bank PNC is not allowing me to connect my bank account with my XXXX XXXX  account. I would like to transfer money from my cash app into my bank account but I can not do that. Now I must go pull money out of the ATM in order to receive my money.
Product: Credit card

My Concora Credit Destiny Mastercard Credit Cards and account : XXXX and XXXX was lost/stolen and theres fraudulent transactions and payments that was made on my account. All of the transactions and payments that was made on my Destiny Mastercard credit card account are fraudulent transactions and payments and not my transactions or payments.
Product: Checking or savings account

I was issued a XXXX XXXX card from my employer. I have the application on my phone to keep track of my funds. On XX/XX/2018 I checked the app and noticed a substantial amount of money was missing from my account ( {$2100.00} ) .My card was never lost or stolen so I was confused. I immediately called the bank and was told I would receive a dispute form and new card within 5 business days. New card came and dispute form never came. After my 3rd attempt calling, I was giving an email address to send my dispute to. I emailed it on XX/XX/2018. Dispute form came in the mail after I sent my email. Dispute form says my card was lost and not in my possession. That is inaccurate, my card was never lost and remained in my possession. Between XX/XX/XXXX and XX/XX/XXXX someone was constantly checking my account several times accumulating {$42.00} just in ATM fees and withdrawing increments of {$300.00} seven times late night at an ATM. I called XXXX XXXX several times during the investigation and was giving no useful information about my account. On XX/XX/XXXX I received a letter denying my claim due to conflicting information given.
Product: Money transfer, virtual currency, or money service

I contacted Wells Fargo XXXX times over the past XXXX  months ( including an in person branch visit ) regarding unclaimed funds - after receiving initial letter. Each time I was told they would expedite the case and contact me. Only today after repeated attempts did I get an email saying funds had been transferred without contacting me in a timely manner. I was told the unclaimed funds department uses only email - even for the bank itself?! I've been lied to outright by bank reps, and have had delaying tactics used to prevent a timely return of my money. I even used the unclaimed funds department email address as another contact sourcebut they never responded. Unethical and unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. In which I have not given my consent or instruction to do such.
Product: Checking or savings account

I been working my new job for about a year now and ever since the first time I deposited my check for XXXX $ XXXX2024. They flagged me for fraud. I called fifth third we got everything sort out so I thought.They mailed me a new debt card and all but for some odd reason. Every two to three months they would flag my account having me close and open accounts multiple times. To the point where I was on the verge of losing everything. Fifth third says they bare no responsibility for any late fees they cause from holding my checks or closing my accounts.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2020 I would like to reach out to you guys to seek help regarding my account. I am hoping you could spare some mercy as to what we are all experiencing. Amidst this worldwide crisis that we are facing, I lost my job due to company shutdowns and community lockdowns because of this I was able to miss payments and be late on them. Since XXXX our company where I worked with became unstable due to the Corona Virus that is fast spreading and since then production and services were cut off to save profit. Not long they cut down manpower too and unluckily I was a part of it.
Product: Vehicle loan or lease

Loan paid down by XXXX they applied it to balance not as payments.
Product: Debt collection

i was sent a letter from midland credit management a " final notice '' attorney review planed '' about a debt that i supposedly owe, i requested debt validation from midland. i never received it from midland instead i got a letter from another debt collector XXXX XXXX XXXX XXXX XXXX again telling me i owed this debt so i then requested again for debt validation they did send papers but there is nothing that indicates this is my debt. I've attempted to contact them multiple times with no response at this point I'm just assuming that they are intentionally trying to sue me. Not even sure which company I'm supposed to even talk to about this matter.