23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Child support has been stopped on the account that I now have custody of my son. I am still being charged child support and am currently paying child support but credit reports show that I am either 30 days late or 150+ days late and it is currently hurting my credit score. There are inconsitancies regarding payments to the attorney general over the last 3 years. It is showing I am current one month then 90 days late the next month then no information for 2 months and currently in XXXX no information regarding payments with XXXX. Equifax shows I am current throughout XXXX until XXXX through XXXX and those months show 150+ days late. The incorrect reporting of payments from these companies are destroying my credit.
Product: Credit reporting or other personal consumer reports

My account with XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 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 AND XXXX XXXX  never sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Futhermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

I opened an account at chase. Got my debit card. Mobile deposited a check and the funds became available tried to pay some one through chase XXXX and they locked my account freezing all funds and returning the XXXX. I cant get anyone to fix on phone they transfer me around and around for yours. Been 2 weeks since Ive had access to my money of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had become XXXX XXXX and sick   with XXXX. I XXXX  and couldn't tell what was real and what was fake. I soon lost my job and went XXXX  and lived XXXX XXXX XXXX and I use all my credit cards to survive. I was XXXX  and XXXX  for 2 years until my family found me and got me help. I been on my medicine for 2 years and finally feeling like my self again.. I am attaching documents with evidence that I was sick  and have XXXX along with a handwritten letter from my XXXX. I am requesting all derogatory marks from the year 2015 and up to remove off my credit report because I could not make financial decisions.
Product: Checking or savings account

This is about my buying 2 CDs online from Synchrony Bank on XXXX XXXX, 2024. In my previous XXXX years of buying CDs from them, I had never had a negative experience with Synchrony. But this current situation ( XXXX XXXX, 2024 so far ) has been a nightmare. 
Online on the evening of XX/XX/XXXX, I authorized Synchrony to withdraw a total of {$10000.00}, {$5000.00} each for 2 CDs, from my bank account. Not only did they withdraw that money ; they continued to withdraw money thousands of dollars without my consent. I repeatedly called them, but they kept taking more and more funds from my bank account. They even added more money to one of the 2 CDs I had just opened, even though I had not authorized that. Even when they told me they would stop taking my money, they kept trying to take it : Every time I transferred funds from another account to my checking account in order to pay my bills, Synchrony took that money if it was at least {$5000.00}. Even when I no longer had {$5000.00} in my bank account, Synchrony kept trying to withdraw more money : If there was less than {$5000.00}, they tried to withdraw that amount and then attempted another withdrawal to make it equal to {$5000.00}, which kept causing my bank to assess me {$35.00} insufficient-funds fees for each of Synchronys attempts. Every time I called Synchrony, I was shuttled to a different supervisor ( no last names given, of course ), each telling me a different thing I had to do to prove they took my money one supervisor said they didnt have it ; another said I had authorized their taking more money than the {$10000.00} total. They also said that if they discovered that they took more money than they should have, they would send me a check rather than transfer it back to my bank account. 
On XX/XX/XXXX or XXXX I can not remember the date, but my bank has a record of it I finally went to a manager at my bank, who reviewed the situation and then called Synchrony. My bank manager was treated entirely differently from the way I was treated. However, Synchrony still has not returned my money. The person with whom my bank manager spoke told him that they would return my money ( at least $ XXXX {$15000.00} of unauthorized withdrawals ) by XX/XX/XXXX IF they owed it to me ; he assured them that they did. I do not trust them to follow through. My bank manager said that if Synchrony failed to return my money, I should go back to see him, we would run the numbers, and he would get in touch with them again. But he also said that since the CDs had already been funded ( even with thousands of dollars I had not authorized! ), I probably couldnt get that money refunded. 
My bank forgave my insufficient-funds fees. They also suggested that I close my existing bank account and open a new one that Synchrony couldnt access. 
As of now Synchrony Bank has taken thousands of dollars from me without my permission. I plan to file a complaint with the FDIC, my congressman, Synchronys President/CEO, State Auditors office XXXX and any other agency I can think of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to Log In to Equifax to get my free credit report. My password does not work, the same password I wrote down years ago. 

OK, fine, so I use their system to send me a password reset. 

This is what I get, over and over again. ( See attached ) No code, just a message : " Your Verification Code ''. NOTHING ELSE. I have no idea why. ( see three examples of this attached ). 

I have tried this multiple times and get the same result. 

So I try to call in to speak to someone. They lead me through this entire process then say " No agent can speak to you now ''. OVER AND OVER AGAIN. 

They tell me to mail in documents. WHAT DOCUMENTS?? I AM TRYING TO LOG INTO YOUR SYSTEM. There is no process by mail to get this information. 

Please have them contact me somehow with the email they already have XXXX because I have no way to fix this.
Product: Credit reporting or other personal consumer reports

The information that is being reported on my credit report is from a fraudulent account. I have sent the information to XXXX and also Discover detailing the identity theft that I experience. Please conduct an true investigation. The account address associated XXXX XXXX XXXX XXXX XXXX Florida XXXX is from a fraudulent address. Please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an entry into my experian credit report from Bank of the West showing a charge off and a balance owed of XXXX which is completely wrong. When I called the bank they agreed that I had paid this account in full and owe them nothing which I have a confirmed letter stating the same however I have not been able to get corrected on the XXXX credit report and it is lowering my credit score. This has been going on for XXXX months now and it is still not fixed.
Product: Checking or savings account

I have a checkin account with Santander Bank. The account was opened   XXXX   XXXX   XXXX    . I have had regular bi-weekly direct deposits from my employer   XXXX   XXXX   of $  XXXX  /pay  period into this account. Sometime in   XXXX   Santander froze my account without warning for " suspicious activity '' .The account has not been used for any unscrupulous activity.   They account has about {$500.00} in it now. I can not withdraw money for the account to pay my bills. the bank wants me to come into the branch to verify my identity. I told them that I live far away from the nearst branch. However they will not listen to any reason adn unfreeze my account. I am also waiting for my {$150.00} bonus to post.
Product: Credit card

I chose a Discover It secured credit card and got accepted, I put down {$1000.00} for the security deposit and they stated after 6 consecutive months of paying on time I would receive my money back. It has been over 6 months now and on XX/XX/XXXXXXXX  I got sent an email stating, Your security deposit will be returned by check. In most cases, you should receive the check in the mail in 7-10 business days. I waited those 7-10 days and then I reached out on XX/XX/XXXX of XXXX through their messaging platform in the app asking where my deposit was they then told me Rest assured your security deposit is still on its way! If you do not receive it by XX/XX/XXXX please reach back out so we can stop pay/reissue the check as long as it hasn't been cashed. so then I wait for XX/XX/XXXX and contact them again through the messaging platform on the app which then they had told me, Your check was mailed out on XX/XX/XXXX so it can take up to 30 calendar days to reach you at the latest. So if you don't see the check by the latest XX/XX/XXXX let us know and we will take action to ensure you get this check back as soon as possible!. And then XX/XX/XXXX came around and still nothing in the mail and not a single update from them so this time I called them back on XX/XX/XXXX and I spoke with a guy he told me that I was a day early and to call back the next day if I dont receive anything, so I call back XX/XX/XXXX and they said that they will just put it into my bank account and said it would take about 10 days and here we are today STILL without my security deposit.
Product: Credit reporting or other personal consumer reports

am filing this complaint regarding inaccurate inquiries reported by Equifax on my credit report. These inquiries do not appear to be associated with any of my current accounts or credit applications, and I believe they have been reported in error. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), Equifax is required to ensure the accuracy and integrity of the information they report. As these inquiries are not connected to any legitimate credit applications or accounts under my name, I request that they be investigated and removed promptly. 

Furthermore, under FCRA Section 1681i, I have the right to dispute inaccurate information on my credit report, and XXXX is obligated to conduct a reasonable investigation into the disputed entries. I have made multiple attempts to resolve this issue directly with Equifax, but the inaccurate inquiries continue to be reported, damaging my credit score. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and ensure that XXXX complies with federal regulations regarding the removal of inaccurate inquiries from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian : XXXX XXXX XXXX XXXX XXXX, GA XXXX RE XXXX Correction to my personal information Dear Experian, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address and names off my personal record. 


Incorrect name : XXXX XXXX XXXX XXXX name : XXXX XXXX XXXX Incorrect address : 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 pulled my credit report and saw a collection from a creditor I do not recognize and was not contacted. Please delete altogether
Product: Debt collection

Derogatory Account : WORLD FINANCE CORPORATION XX/XX/2021 CLOSED/ CHARGE OFF ACCOUNT First amount {$870.00} Second amount {$780.00} This account has affected me drastically resulting in falsely being on my credit report that has not been made nor verified that I have such account with this company unless I am shown proof of my identity and verification with this company I have been demanding for the past several months this account be removed from my credit report causing stressful measures.
Product: Credit card

XX/XX/XXXX-XX/XX/XXXX, my Macy 's American Express Card was fraudulently charged XXXX times for almost {$8000.00}, way above my credit limit of {$2700.00}. My card with a chip was in my possession. Inside job, I told them. I called them to complain XXXX XXXX. They told me that they will remove the charges and that I will not be liable ( but, of course! ). XXXX XXXX, XXXX, they sent me a new statement : they closed that particular card, transferred XXXX fraudulent charges to a new card, charged me a late fee and interest charges for XXXX fraudulent charge that they did not transfer. I called again and complained. They said to ignore again, and that it will take 3 months for them to look into the matter. XX/XX/XXXX, they sent me a statement again, Interest charge and late fee accumulating, and I called to complain again and the said to ignore again. They did the same in XX/XX/XXXX, and when I complained again, they said to ignore the statement and that next month, a zero balance will show. I asked them to write me a letter to say this, they said they do not do that but the next statement will show a XXXX. Today I get a statement again, with accumulated interest charges and late fees. I called them again before I write this complain to you, and they said to ignore again. And why all these? they said they are sending me a statement without my being responsible for it. Them why sent me a statement at all!!! I asked. 

Please help me Sir, Madam at CFPB. My XXXX every time I get these statements, which they tell me to ignore. Is this fair? I told them that this has also happened once with XXXX other credit card that I have. But the other credit card, XXXX XXXX XXXX, wrote me after it was over, 1 month. Only XXXX charge. How could Macy 's Amex allow all these XXXX charges in 2 days to even go over my limit? Inside job, I told them. To top it all, I also emailed their XXXX of XXXX XXXX in XXXX, Ohio, no reply. Thank you for your time and attention. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Checking or savings account

I opened a personal checking account with Chase to transfer funds from my company. I deposited from my savings XXXX  XXXX XXXX account {$61000.00} thru cashier 's check to Chase Bank. I invested money into a company and purchase XXXX pool tables which transaction for the purchase included my {$61000.00} as 50 % of the total payment. The company sold all the XXXX tables and paid me out as paid back my investment and my profit on the tables as we agreed with my business partner. I was a silent partner so my name isn't indicated on the business title but I was on the company bank account. I transferred my investment+profit onto my new Chase personal checking account in person at the Chase bank by witnessed Chase employee went thru verification process with me, there is also surveillance cameras at the bank I wasn't able to do withdrawal in person other bank location. Next morning the Bank manager reviewed the transaction and found everything fine from the bank side.

My account got frozen first a week after I opened for several days then I called Chase and they unfrozen my account. Couple days later Chase restricted my account then later closed it.

Chase Bank told me on a recorded line they will issue a cashier 's check with the remaining balance on my account and I should receive that check on XX/XX/XXXX. 
As of today I didn't receive any check from Chase because they saying the funds under a pending investigation.

My complaint is about Chase Bank holding my tax paid earned funds from my personal saving account from XXXX  XXXX XXXX what I deposited into Chase. There is no rights for Chase Bank to hold my tax paid earned by work funds what I deposited into Chase by withdrawal from my XXXX  XXXX XXXX personal saving account. I don't know what kind of investigation Chase bank has about my personal funds what I earned earlier by my work and kept for years in XXXX  XXXX XXXX. Now Chase hold my funds and say it's under investigation and hold my funds since XX/XX/XXXXXXXX XXXX XXXX 
Chase bank using the terms and conditions for still hold my personal funds what I earned years before I opened account with Chase.

I understand they are reviewing transfers about the profit but I can't tolerate further Chase holding my earned money what I tax paid for no reason because Chase Bank has nothing to do with my tax paid earnings from previous years what I already filed to Irs I wan na know why Chase Bank holding my previous paychecks what I earned and placed to XXXX  XXXX XXXX XXXX earlier. 
I worked for that funds and paid tax and kept on my saving account at XXXX  XXXX XXXX. I purchased XXXX pool tables and sold by XXXX XXXX XXXX and took my investment out of thr company and was paid out my share of the profit. 
Chase holding my investment and my profit also currently.

My investment is already tax paid money what kind of investigation Chase doing about my money what I earned in XXXX and XXXX or I sold my house in XXXX in XXXX and also had that money at my XXXX  XXXX XXXX. 
That is nothing to do with Chase. 
They don't have the rights to hold my money what made my property sale or my earnings from previous years
Product: Credit card or prepaid card

I keep logging into my XXXX NFL card to make a payment and see my balance. I have never missed a payment. I login with my autosaved credentials and receive the message, " We're sorry, but for security reasons online access to your account is unavailable. Please contact Customer Service at XXXX. '' I call the number and am received by a person in a call center in another country ( feels like fraud. ) I go through the verification process and they state that, " The NFL Portfolio has been purchased by Comeity Bank and I need to call the number XXXX for support of this account. '' I call the number and the computer states, " we are experiencing technical difficulties, please try again later. '' I do not care who owns my debt. I do not want to be monetarily penalized, mu interest rate affected, or have my credit affected because they are disorganized.
Product: Credit card

I am a victim of Identity Theft. Discover Card Financial processed an application from a person who stole my identity. Ran an Inquiry which resulted in a drop in my credit score. Contacted company XX/XX/year> - " XXXX '' in Utah, who stated it would be converted to a " soft inquiry '' and I would receive a letter. May take up to 90 days. Conversion has not been accomplished and I have not received any correspondence from Discover Card. Contacted them today, they stated there is no record of anything associated with my Social Security Number. I request deletion of the Credit Inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to you today in regards to a fraudulent account on my Experian credit report that I would like to have removed as soon as possible. The account in question was opened at XXXX  XXXX XXXX on XX/XX/2018, and has fraudulent charges totaling {$94.00}. 

I am a victim of identity theft and this fraudulent account has been a significant source of stress and frustration for me. It has negatively impacted my credit score and has made it difficult for me to secure loans and credit in the future. 

As a consumer, I have the right to dispute any inaccurate or fraudulent information on my credit report under the Fair Credit Reporting Act ( FCRA ). I am exercising this right and requesting that this fraudulent account be removed from my credit report immediately. 

I would like to provide you with any supporting documentation or information that you may require to process my request. Please let me know what additional steps I can take to ensure that this matter is resolved as quickly as possible. 

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX : {$3100.00} ; XXXXXXXX XXXX  XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$620.00}
Product: Credit reporting or other personal consumer reports

15 usc 186b Clearly states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer.

That's aggravated Identity Theft 18 usc 1028A because they have possession of your information and they are also using it without consent from the consumer Experian/XXXX XXXX  XXXX XXXX XXXXOpen date : XXXX XXXX XXXX- Open date : XXXX XXXX XXXX- Open date : XXXX XXXX XXXX XXXX XXXX- Open date : XXXX