23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/18 I got a deposit from accident Between XX/XX/18 they close my account for no reason And made up false accusations At wells fargo
Product: Credit reporting or other personal consumer reports

Affirm Inc XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA  XXXX Subject : Request for Account Details Dear Affirm Inc., I am writing regarding my account with your company, Account Number : XXXX, which has been marked as charged off. I am not disputing the account or its status ; however, I would like to request clarification and verification of the following details for my records : The date of the first delinquency on the account. 
The date of the last payment made on the account. 
The date the account was officially charged off. 

This information will assist me in maintaining accurate records and understanding the timeline associated with this account. 

Please provide this information in writing at your earliest convenience. If additional documentation or identification is required to process this request, feel free to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. Experian is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX Account name : XXXX XXXX # : XXXX Account name : XXXX XXXXXXXX. Account # : XXXX violated my rights. 
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: Credit reporting or other personal consumer reports

My account with XXXX & XXXXXXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX days 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 XXXX  days before the payment due date. 


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


I have requested proof that this information was mailed or delivered XXXX  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 XXXX
Product: Money transfer, virtual currency, or money service

I paid a fake company money without knowing I canceled immediately cash app told me they refunded me I dont have the money that was debited from my debit card {$600.00}
Product: Money transfer, virtual currency, or money service

I have money on deposit with Chase Bank. It is my money. I tried today to schedule a valid payment of {$600.00}. Chase accepted the transaction but delayed it pending " review. '' No other explanation was provided. I waited a reasonable time ( 12 hours ) then contacted Chase. My first call was put on hold 5 minutes when I got a recording saying they were too busy to answer, and I should call another number.. 

Then I called a customer service number. they said they would not help but would transfer me to XXXX. 

I called that number and was on hold 30 minutes. 

Meanwhile I tried the website again, and when I tried to log on, I received the following message : " Important : We locked your account to protect it from suspicious activity. 
To unlock it, call XXXX. 



After waiting on hold for 30 minutes, " XXXX '' answered and asked me personal questions about my transaction that were none of her business. Nevertheless I answered her questions. She put me on hold again, and returned and said she would not help me. I insisted on an explanation, and she refused. 

This is not just bad service it is theft! The minimum a customer should be able to expect from a bank is that if the customer deposits good money, he should be able to draw it out when he wants. Even if the bank has no sense of ethics, there must be some regulation that requires that they not obstruct my transactions and confiscate my money
Product: Credit reporting

I signed up for a XXXXXXXXday trial of Experian 's credit tracker product. When I created an account, it asked for my mother 's maiden name. After I registered, it now displays the maiden name on my account page. I am concerned this is not secure because both my XXXX and XXXX accounts were hacked. If someone hacks into my account, they will get my mother 's maiden name. I raised this with Experian and they said they would pass the feedback along, but said there is nothing they can do about it.
Product: Checking or savings account

My father banks with California Bank & Trust ( CB & T ) and is currently undergoing late-stage XXXX XXXX  abroad; prior to his departure, he executed a Power of Attorney ( POA ) with CB & T adding me as his designated agent. Through the POA, I was able to make withdrawals in XXXX and XXXX. However, when CB & T learned Dad wants to move over {$100000.00} to a different bank due to better interest rate, CB & T XXXX XXXX office blocked the transaction, questioned whether Dad is still alive, and referred me to the XXXX XXXX XXXX XXXX, even though there is no banking relationship there. In late XXXX, XXXX XXXX XXXX, VP at the XXXX XXXX XXXX XXXX, claimed they do not have the original POA in the branch, despite the notation in their system stating I am the agent. After delivering in-person the requested trust document ( which they have a portion of ) and explaining the circumstances to XXXX XXXX, she reluctantly issued a counter check for the withdrawal, provided there is a notarized affidavit. Since she questioned me on possible financial abuse and forgery, I did not take the counter check ; instead I provided Dad 's address abroad so she can send it directly. Weeks later, nothing was received ; when asked, XXXX XXXX claimed she sent it via US mail and not to worry as the checking account is now frozen and she will send another check later in the week when she has some free time.
Product: Debt collection

In XXXX I opened a Kay Jewelers Account to finance wedding rings. I fell behind in payments and made arrangements through Kay to auto-deduct {$35.00} every two weeks from my bank account. The deductions continued for a little over a year and stopped ; not by any act of my own so I assumed the debt was paid. I was contacted approximately 6 months after the last deduction by Kay who stated I owed approximately {$600.00}. I told them I disputed the debt and continued to receive notices and phone calls for another month ; all of this occurred from XXXX to XXXX or XXXX. I then received a phone call in XXXX of XXXX from an associate from XXXX XXXX XXXX who stated they were collecting the debt on behalf of Kay and said I owed {$1300.00} and then went on to say that if my employer ( Sheriff 's Office ) had to collect the debt it would be embarrassing. I spoke with the associate at length describing what had occurred and she did confirm that the account showed that the auto withdrawals had ceased for an unknown reason. She stated that her firm would settle the debt for {$600.00} so even though I disputed the debt I wanted to clear it up so I agreed and paid the aforementioned amount with the last payment occurring on XXXX XXXX, XXXX. ( I have XXXX emails confirming this as well as confirming that the debt would be deleted from my credit file ). On XXXX XXXX, XXXX, I received a phone call from an associate from XXXX XXXX XXXX who stated they were collecting a debt on behalf of Kay Jewelers for over {$1000.00}. I tried to be as courteous as I could but did tell them that the debt had been paid through XXXX XXXX XXXX. They requested for me to send them proof but I declined and told them I was not paying anymore money and hung up. Approximately an hour after the first phone call XXXX XXXX XXXX called me again trying to collect the debt at which point I explained to them again, less courteous this time, that I would not pay anymore money.
Product: Debt collection

XXXX on a property where I use to live. They are trying to collect my wages on something that I was not aware of especially something that is 8yrs old. Im a single mother that just started working they want to take 25 % of my wages.
Product: Student loan

I am currently a co-signer for my XXXX XXXX student loans ( XXXX ) with Sallie Mae. I fell upon hard times about XXXX months ago and reached out to them for forbearance, Sallie Mae 's XXXX told me, I did not qualify. Henceforth, I struggle to make payments. Finally, when I got a job, I made an arrangement with Sallie Mae to pay them a certain monthly amount per a deferment program they offered. I have adhered to our agreement and have paid Sallie Mae on time for each XXXX trial period payment. Moreover, a few days after I enrolled in the program, I called Sallie Mae and asked them why I am still getting past due notices. They told me once I made all three of the payments, I would no longer get the past due notices and my credit report would be rectified. I have paid the XXXX payments ( XXXX, XXXX, and XXXX ) for their program now they are reporting me past due XXXX  days on my credit report and refuses to correct this matter. In addition, I called Sallie Mae today about the past due notices, I was transferred well over XXXX times and each Sallie Mae 's representative told me different information. None of these reps seem to know what was going on, not to mention that they stated that the derogatory marks on my credit report are not going to be removed. Please, help me! Sallie Mae is taking money out of my checking account every month for this program and my loan is not decreasing and they are still sending me past due notices, and they are destroying my credit. 

In addition, when I had signed up for this program Sallie Mae told me that this program was going to be for all three loans. As you can see on the dashboard screenshot they have the program for XXXX loans. I do recall when I set up these arrangements that I would omit the lesser amount loan. However they have put that loan in the arrangement and have that past due. Last but not least, I went on to their payment center dashboard and tried to make a payment for the loans and the payment defaults to you are already on auto pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

phh voiolations : race or color. national origin. religion. sex. marital status. age. * applicant 's receipt of income from a public assistance program. applicant 's exercise, in good faith, of any right under the Consumer Credit Protection Act. 
please remove the unlawful lates. 

XXXX  : XXXX Is Facing a {$100.00} XXXX Lawsuit Over Its Service Plan. ... The state isn't suing XXXX for bad customer service per se, but for the sorts of misleading claims and practices that have given XXXX such a poor public image. ( XXXX XXXX Exchange programs ; filing of information and other materials ; filing fees ; unlawful acts in connection with an exchange program. 

XXXX Provisions requiring purchase or lease of timeshare property by owners ' association or purchasers ; validity. 
XXXX  XXXX XXXX :
Product: Credit card or prepaid card

I filed a dispute with CHASE Card Member Services regarding a charge of {$200.00} that was applied to my account based on false and scandalous claims from the service provider known XXXX XXXX  located in XXXX XXXX XXXX 

The vehicle in question was indeed rented on XX/XX/21 at XXXX free of any significant damage, but not without minor swirl and scuff mark damage. The vehicle was returned on XX/XX/21 at XXXX AM and left in the XXXX parking lot in the same like condition as when it was initially picked -up. This fact has been supported by my wife who was with me during our entire stay and has further testified that the vehicle was in fact never involved in any infraction or sustained any damage under my care. 

When I called to complain to CHASE Card Member service I was advised to submit a formal dispute if I disagree with the charge, I was cautioned that a valid charge finding would go against my credit report. Upon my formal filing I received a letter from CHASE stating the charge was found to valid based on research conducted. I was floored by this response as I knew the charge was a scam from a privately owned XXXX rent-a-car office located in XXXX airport XXXX XXXX. I've rented cars from XXXX for over XXXX years and have never been accused of unfounded damages like this. I called CHASE to complain and they instructed me to resubmit an appeal dispute with additional information to support my claim, which I did on XXXX I provided a very comprehensive and time consuming appeal. On XX/XX/XXXX I received a formal response letter from chase saying again that based on their review and the merchants charge is valid ... After the shock of reading CHASE 's response I called again ( XXXX ) and again was told to resubmit yet another dispute, which I denied and requested to speak to a supervisor as I felt like I was just waiting my time and being strung along. After a heated conversation it came to light that my dispute exceeded a XXXX complaint threshold and all the facts, time and disputing was all a big farce of its own. 

In all of the phone conversations, dispute submissions and response letters from CHASE not one mentioned anything about a time sensitive response. What's worst of all the second response letter from CHASE stated a phony investigation statement that the additional information that I submitted was thoroughly reviewed and the charge stands? The fact is that my dispute fell outside of their eligible review widow and none of what I sent in as supporting proof to my claim was ever considered ... Outrageous! 

On top of it all CHASE tries to buy me off by offing to apply a {$100.00} credit to my account. Since the charge is fraudulent I refused and my complaint was sent over to their review board. To date four weeks later I've heard nothing.
Product: Debt collection

I received a collection letter from Portofolio Recovery Associates, LLC stating that owe XXXX XXXX XXXX   {$1000.00}. This account was closed and paid full. I recommend that you STOP all the attempts to collect that debt. I dont have any business or contract with Portofolio Recovery Associates.
Product: Debt collection

Almost daily phone calls from Stellar Recovery for months now. All computer calls. 

I own my home, own my car, pay my credit card bill monthly, as well as utility bills, insurance, etc. 

I have a stellar credit rating, clean credit record, and owe money to no one. Obviously, this is unwarranted harassment.
Product: Credit reporting or other personal consumer reports

Dear Equifax Representative, This letter informs you that I have become a victim of identity theft. I have filed reports with both the Federal Trade Commission and the CFPB. Please see the enclosed reports. There are recent inquiries on my report that I did not authorize. Additionally, I have two pending Equifax Data Breach Settlement Claims due to the ongoing nature of my data being circulated for sale on the dark web. 
All required documentation is within this packet and mailed to your agency via USPS-certified mail with tracking. I hereby request the following unauthorized inquiries to be deleted from my credit report immediately.
Product: Money transfer, virtual currency, or money service

Money gram charges you {$25.00} to {$100.00} in order to request a copy of your own account and all the money that you have sent. Its {$25.00} for 0-1 years {$50.00} for 1-3 years {$75.00} for 4-5 years and {$100.00} for 6-7 years. They said its to cover operational costs. What a joke this is. Its my account and they should send you a copy so you can report it on your taxes. This seems like a total scam the amount of money they are changing if they wanted to change {$1.00} to {$5.00} but {$25.00} to {$100.00} seems very unfair and extremely expensive for transactions on your own personal account.
Product: Mortgage

My first missed payment was XX/XX/year>, since than I have had 3 different times where they put it back to foreclosure and than collections, closed, than opened, back to foreclosure, than collections than closed and opened again, I have made several reports. Every time it pulls my credit back down. I cant get out of the XXXX and its been 6 years
Product: Credit card or prepaid card

I received a letter by mail from XXXX XXXX yesterday which was dated XX/XX/2022 stating that an application was received for a credit card account # XXXX, After careful review, the credit card account was unapproved, it was denied due to too many inquiries or applications for credit. I immediately called XXXX XXXX to report identity theft. 

On XX/XX/2022, I was checking my checking account where I noticed a small amount of {$0.00} was deposited and withdrawn by Capital One the following day. I also received a voice message from XXXX by phone from Capital One stating, that an application was open and that I had to contact them back regarding the open account. The voice message was inaudible and so quick that I had trouble deciphering which phone number to respond back to. 

On XX/XX/2022 my ex called me asking if I ever opened a credit card line with XXXX XXXX on XX/XX/2022 which, I replied I never opened one. I started calling XXXX XXXX, Capital One and XXXX credit fraud dept. to report that someone was using my identity to open up multiple credit card lines.
Product: Debt collection

I was made aware of a purported debt many months after it had been sent to collection. I have never received a notice, call or letter from the collection agency ( Optima Recovery Services ) but they reported the debt to the credit bureaus and now my credit score has dropped significantly. 

I sent a certified letter to Optima Recovery Services in XXXX 2015. The letter explained I did not owe the debt and included a copy of the cleared check showing the item had been paid. 

I received no response from Optima and the item is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early in 2018, I filed for CH XXXX bankruptcy. During this time, I was 100 % payment history on my auto loan. During the bankruptcy, they took away my permissions to pay online, so I attempted to call in. They assured me that there is no issue, and I will be able to make payments online shortly. I called a few times during my bankruptcy to try to make a payment, but was unable to. When The bankruptcy finalized, they told me I'm over 3 months behind. I made MULTIPLE attempts to make payments on time, and they are now hurting my credit score because they were unwilling to take my payment during bankruptcy. They still refuse to assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted two requests to Trans Union to verify and validate the information on my credit report regarding two charged off accounts. On all three occasions they failed to provide me with all relevant documents, the name of the person who verified the information, and the method that was used to verify the accounts. My first submission was XXXX XXXX, XXXX. The accounts disputed as charged off were XXXX XXXX and XXXX XXXX. My second dispute was XXXX XXXX, XXXX. The disputed accounts were the same. In both responses, Trans Union stated that the information was simply verified and updated without any proof of such verification. Under the FCRA the credit reporting agencies are required to have a copy of the original signed contract, copies of account statements, and are to provide the names of the individual from the company which provided the information. Trans Union has failed to complete a thorough re-investigation as required by the FCRA. It is my understanding that all disputes are out sourced to foreign contractors and they are given an average of 18 to 90 seconds to investigate a dispute. This is a direct violation of the FCRA in that the re-investigation is not conducted properly and by an actual employee of the credit reporting agency. I request that the practices employed by Trans Union and the other major credit reporting agencies ( XXXX and XXXX ) be investigated as they continue to violate the rights of consumers with no fear of prosecution.
Product: Vehicle loan or lease

The balance is incorrect with this account. The phone number is out of date and the account is a fraudulent account that has incorrect information that needs to be removed from my credit report. Please delete completely phone number is incorrect and apartment number is wrong. Balance isn't XXXX XXXX
Product: Credit card

Application was submitted to Synchrony Bank at XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX. After Identity was confirmed the store representative changed my identification by altering my name on the application form after she confirmed my identity. She then changed the identity on my application by changing the last name. Once they confirmed I was a XXXX man the XXXX was denied by Synchrony Bank Merchant Services.