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

My account with XXXX was never late! I have had exceptional payment history with XXXXN 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 XX/XX/year> 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. 


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 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: Debt collection

I am writing to you with a sense of urgency and frustration regarding the fraudulent accounts that have infiltrated my credit report. It is imperative that you take immediate, aggressive action to rectify this situation, as it is causing severe damage to my financial well-being, and I hold XXXX responsible for allowing these errors to persist. 

The following fraudulent accounts have been reported on my credit profile : XXXX XXXX  XXXX XXXX XXXX  XXXX Despite my relentless pursuit of justice and rectification, these fraudulent accounts continue to plague my credit profile, causing untold harm to my financial standing. I am not merely requesting, but DEMANDING that XXXX launch an immediate and aggressive investigation into these disputed accounts, ERADICATE them from my credit report, and furnish me with a revised credit report that reflects the truth about my creditworthiness. 

Thank you for your immediate attention to this critical issue.
Product: Debt collection

XXXX debt was sold to ERC collection company on XX/XX/XXXX. Settlment offer made from ERC to pay {$540.00} and this was paid on XX/XX/XXXX. XXXX was removed by XXXX and has since within the last few months had a balance of XXXX added back on. Trying to figure out what happened I made several calls to attempt to resolve. I finally spoke to XXXX XXXX whom is the Senior Manager at XXXX XXXX office of the president, his employee ID is XXXX. He outright refused to help me but did offer me a settlement to pay the already paid balance at half of the amount owed to make it go away. I paid it and this is unfair to misrepresent a debt being settled then having the original creditor come back around to collect on the balance between the original debt amount and the settlement offered.
Product: Checking or savings account

Chime stole all my money and closed my account for no reason
Product: Credit card or prepaid card

Original letter of dispute sent certified mail to XXXX dated XX/XX/XXXX and signed for on XX/XX/XXXX. Creditor failed to notify all three credit bureaus to place a notice of dispute on my account within 30 days of my dispute. XXXX has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Product: Debt collection

I received a letter stating this company was trying to collect a debt for another company. With this other company there were three checks written. the bank - XXXX XXXX XXXX XXXX and the check cash agency - XXXX charged numerous fees. I did not know I was only paying fees. This does not make sense to me. The money was in the bank when I wrote the checks and when the checks presented to my account. I will not be responsible for employee error, computer error and employee mishandling and misrepresenting the facts of my account. I have sense closed this account and filed complaints against the bank. this debt if any belongs to the bank.. the bank has paid everyone else including itself. Why the originating reason for any action ( paying the presenter of the check ) was neglected is the banking error. XXXX also collected for itself. I had a conversation with a XXXX agent who evidently facetiously did not do what she said she would do. All if any debt to XXXX XXXX XXXX  associate with the collectors claim belongs to the bank and XXXX. 

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Product: Credit reporting

I applied on line for the XXXX credit reports and the web site failed and gave XXXX page not found errors. I tried again and the freecreditreport.com site responded I already got the free report. there is no help number for assistance. I need the report timely butit is not available as required.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE HARD INQUIRYS ARE NOT MINE ACCOUNTS THAT WAS IDE FRAUD I WANT THEM REMOVE FROM MY CREDIT REPORT ALSO THE XXXX XXXX XXXX REMOVED
Product: Credit card or prepaid card

To whom it may concern, My name is XXXX XXXX and several years ago I entered a debt management agreement with XXXX XXXX XXXX to settle several accounts with Santander Bank, N.A. I made all the payments and I received my graduation packet from XXXX XXXX XXXX, XXXX, about a month ago I entered a Santander Bank with all of my paperwork to inquire about one of the settled accounts and I allowed them to make copies of my paperwork. I have not had any contact with this bank for at least a year. About two weeks after this I receieved an email telling me that my minimum payment was due. I have called repeatedly and faxed them proof that this account was settled by them and that they had taken payment as agreed in the settlement offer. The Law office that handllfed this for me has also sent them all the paperwork proving that the account in question has been settled. The Law office refuses to do anything further actions on my behalf. I have the physical paperwork showing the accounts were settled and I have all my emails showing that I made all of my program payments. I even have the emails showing that I did in fact send the account in question to the Law Firm to be settled. The have asked me if I wanted to set up a payment plan and I have declined. I have the fax proving that I sent them proof of the account in question being settled. In fact what they have done is pretend that the account was never settled and have added all the interest since it was legally settled too. I am a XXXX XXXX  XXXX veteran who has been dealing with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I am only about three weeks recovering from XXXX  for this issue. I hav.e all the proof that the account has been settled and the Law office has already mailed they the proof several times. I hope your office can help me. I will be happy to give your office and records and proof if you require. 
Yours Very Respectfully, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Mortgage

Lakeview loan servicing company demanded information of my condo unit insurance policy in XX/XX/XXXX. My bank XXXX complied immediately and provided them the proof of my carrying condo unit level insurance for the period in question. Lakeview confirmed we satisfied their demand, yet they incorrectly purchased a condo master insurance policy in addition to my condo unit level insurance policy ( required homeowners insurance policy ) which I have carried for the life of the mortgage. My mortgage payment to include escrow was normally {$990.00} as of XX/XX/XXXX when I was only being charged a condo unit level insurance policy which I carry through XXXX. Due to whatever mistake Lakeview made despite my prompt compliance with their XX/XX/XXXX request, they added a condo master insurance policy to my account beginning XX/XX/XXXX which has raised my overall payment to {$1300.00} per month which they have charged me since XX/XX/XXXX to present. I've called them directly multiple times since XXXX XXXX upon which they said they need to perform a new escrow calculation or something akin to it. The fact of the matter is they have overcharged me by approximately {$400.00} per month for each of the past 5 months and have made no attempts to resolve their mistake. I called them directly again in XX/XX/XXXX and no progress was made in correcting their error. I also spent 30 minutes speaking with them earlier this morning ( XX/XX/XXXX ) upon which they said I needed to directly call their customer service line. Once the call ended I immediately called the number the rep gave me ( XXXX ) and it went directly to voicemail. As such I have no confidence that this company has any desire to reverse their obvious error or refund the money they continue to overcharge me.
Product: Credit card

The personal information have been removed per the request : To the Consumer Financial Protection Bureau ( CFPB ), I am reaching out to express my profound dissatisfaction and frustration with the way a recent fraudulent activity on my Chase debit card has been handled. My account is under the name XXXX, and the account number is XXXX 
Between XX/XX/2023, unauthorized transactions took place on my debit card at XXXX XXXX ( {$2200.00} ), XXXX ( {$1500.00} ), and XXXX ( {$2600.00} ) in XXXX XXXX XXXX in XXXX XXXX XXXX, XXXX, GA. I promptly contacted Chase customer service on XX/XX/2023, upon discovering these transactions while I was on vacation in XXXX, GA between XX/XX/XXXX and XX/XX/XXXX. I can provide evidence to support my claim of being away during that specific period. 
Despite presenting clear evidence of my absence from the transaction locations, the Chase representative stated that the bank couldn't take any action as the transactions occurred within a XXXX radius of my home. This response is not only insensitive but also fails to acknowledge the possibility of fraudulent activities beyond my control. 
I explicitly requested an investigation into the matter, urging Chase to use any available surveillance footage from the transaction locations. Unfortunately, Chase has not cooperated and has dismissed my request for an investigation. 
It is alarming that I did not receive any notifications from Chase about these suspicious activities, raising concerns about the effectiveness of Chase 's security measures. My stolen debit card was used with a signature instead of a PIN, emphasizing that the transactions were not authorized by me. 
Referring to Chase 's insurance policy, which assures customers they won't be held responsible for unauthorized charges, I expect Chase to honor its commitment and promptly refund the entire amount of {$6300.00} to my account. I have filed a police report with tracking number XXXX. 
I urge you to thoroughly investigate this matter, reconsider the denial of my claim, and take appropriate action promptly, and refund my money which was taken from my account without authorization. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Equifax has updated a dispute with no results available to see or any updates on my credit report
Product: Checking or savings account

On XX/XX/2022 i was trying to used my card to make a transaction and my card didnt work it was saying that the chip of the card was wrong so i call the company to send me a new one and they did but it was doing the same problem and plus wellsfargo used to lock my account so i end up closing my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and saw a very very very old account from XXXX XXXX XXXX as a charge off on my credit reports from XXXX AND EQUIFAX - XXXX did not!!! this account been closed and settle since 2016!!! i never ever received any legal communication, correspondences from them all these years! they greatly damaged my credit worthiness! 

there is no apparent evidence of agreement! I definitely never been informed nor understand why this is reported wrongfully on my credit! its insane to me that credit reporting agency who are supposed to protect our privacy and rights don't even check if the info is correct or verify anything and just put it on my credit! I sent letters to XXXX credit bureau via XXXX mail # XXXX, EQUIFAX XXXX mail # XXXX and to XXXX via XXXX mail # XXXX and also filed a CFPB complaint # XXXX to demand them to rectify immediately this fraudulent reporting and incorrect reporting. 

I need this fraudulent closed account and reporting to immediately be removed from my credit report!!! it is clearly a full violation of my consumer rights. 

thank you for your help with this urgent matter.
Product: Debt collection

The company repeatedly calls in odd hours and leaves harassing messages.For example, on XX/XX/2024, a XXXX XXXX called at XXXX and XXXX threatening to deliver an unknown document to my place of employment.On XX/XX/2024 at XXXX and at XXXX XXXX called threatening with the same as above.In attempting to know why the company keeps calling me and harassing me, they state that they have filed a civil law suit and threatened with it.
Product: Credit reporting or other personal consumer reports

Hi, I'm trying to dispute these because I have already contacted the agencies on the date of XX/XX/2024. I have sent them this letter but they have stated that they can't remove it because it's been verified. However, I need to have these removed because of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found a late payment on the dates below : XX/XX/2019 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I called and was told that I didn't have a balance on my account so I'm not sure how this late payment could have been recorded. 


COMPANY INFORMATION FEDLOAN ACCOUNT NUMBER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX  are both reporting 4 hard inquiries to my credit report as I shopped for a mortgage refinance. Two if not three of these inquiries should be removed. 



Name Requested On XXXX XXXX XXXX via XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

My Wells Fargo XXXX Bank Account was closed, Monday, XX/XX/2024 after XXXX  years with this bank account. I have been a Wells Fargo customer for over XXXX  years. I was told this was due to my physical address not being verified ; whereas my physical address must be verified in order to open the account. I believe my physical address was removed from my account. My business account is very active with XXXX figure transactions each month. 

I didn't know the account was closed until XX/XX/2024 ; only by calling and checking what " account closed due to address verification '' meant. I went into the local Wells Fargo XXXX on XX/XX/2024, to get a resolution and was unable. The banker present also tried to get me a resolution through the small business department and was unable to assist as well. 

This closure has negatively impacted my business significantly, My business payroll relationship and my loan company. These companies I have worked with for years, are unable to retrieve the funds from my now closed account, has tarnished the relationship with other accounts. Additionally, I have a XXXX person staff that CAN NOT be paid in a timely manner due to this closure. 

Wells Fargo did not XXXX me the opportunity to retrieve my funds out of the bank prior to closure so I may have access to my funds. Wells Fargo chose to mail XXXX checks for the amount of $ XXXX in the regular mail with no tracking and no estimated date of delivery for me to plan accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly a balance due of {$4700.00} as well as the account having been late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was deemed a total loss. I have attached a copy of the TOTAL LOSS CONFIRMATION LETTER dated XXXX from XXXX XXXX XXXX Companies. This letter declares that the vehicle has been deemed a total loss due to a collision and that the lien has been paid off. This incorrect reporting of a balance due and lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Consumer Loan

took out a personal loan with this business in   XXXX   XXXX  , have only received a few monthly statements in the past year. I have had to call and request a few of them. On   XXXX   XXXX   XXXX   the business informed me that because  XXXX  of my statements was returned that their system would no longer issue monthly statements again, that I could call and request them. I said that the duty is not on me as the debtor to request my statements and asked for a supervisor but was told that she was out. On   XXXX   XXXX   XXXX   I spoke to a company supervisor and advised that this was not acceptable and demanded to receive monthly statements on my account. She said she would arrange for their  XXXX  employee to " fix '' the problem in their system so that I would receive monthly statements. I asked when I should expect the next statement, she advised me that it would generate after   XXXX   XXXX   and that I would receive it by mail shortly thereafter. On   XXXX   XXXX  , I still did not not received a statement, so I called customer service. The representative said that I can not get monthly statements because I have had mail returned. I explained to her that is an issue that the  manager said that she was going to solve and the representative said that it had not been solved yet and that the manager was not available. On the original loan contract it states that they " the creditor '' will mail monthly billing statements of all charges on my account unless prohibited by fe deral law. The creditor is breaching the contract by not mailing monthly statements to me.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against Equifax for their failure to properly address fraudulent accounts on my credit report, their improper re-insertion of previously removed accounts without notification, and their refusal to remove additional fraudulent accounts despite the submission of sufficient documentation. These actions constitute clear violations of the Fair Credit Reporting Act ( FCRA ). The details of my complaint are as follows : Fraudulent Accounts in Question : XXXX XXXX : Account # XXXX | Balance : {$21000.00} XXXX XXXX  : Account # XXXX | Balance : {$6600.00} XXXX XXXX  : Account # XXXX | Balance : {$13000.00} XXXX XXXX : Account # XXXX | Balance : {$19000.00} Timeline of Events : On XX/XX/XXXX, I mailed a formal dispute to Equifax regarding the above accounts, providing an affidavit of identity theft, a police report, a copy of my government-issued ID, and proof of address. 

On XX/XX/XXXX, Equifax removed the following accounts from my credit report : XXXX XXXX  : Account # XXXX XXXX XXXX  : Account # XXXX XXXX XXXX  : Account # XXXX On XX/XX/XXXX, these accounts were re-added to my credit report without any prior notification, in direct violation of FCRA ( 611 ( a ) ( 5 ) ( B ) ), which requires credit reporting agencies to notify the consumer before re-inserting previously removed information. 

Additionally, my dispute of XXXX XXXX : Account # XXXX was not resolved. Despite providing all required documentation, Equifax has refused to remove this account from my report, violating FCRA ( 605B ), which mandates the blocking and removal of fraudulent accounts when sufficient evidence of identity theft is submitted. 

Violations of the FCRA : Failure to Block and Remove Fraudulent Accounts ( 605B ) : Equifax did not remove XXXX XXXX  : Account # XXXX despite receiving sufficient documentation, including an affidavit of identity theft and a police report. Improper Re-Insertion of Information ( 611 ( a ) ( 5 ) ( B ) ) : Equifax re-added the XXXX XXXX and XXXX XXXX  accounts without providing prior notice or justification, as required by law.Failure to Conduct a Reasonable Investigation ( 611 ( a ) ( 1 ) ( A ) ) : Equifaxs handling of my disputes demonstrates a lack of diligence and failure to adhere to FCRA requirements for investigating disputes. XXXX failure to comply with federal regulations has caused significant harm and stress. I request that the CFPB investigate this matter promptly and take action to hold Equifax accountable for their actions.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding incorrect information on my credit report that has been verified by Experian as accurate. 
However, upon closer inspection, I have identified several inconsistencies that are grounds for deletion : Incorrect Information : The account status listed on my credit report by Experian contains incorrect information. Specifically, the incorrect payment history. 
Inconsistent Across Credit Bureaus : The account status is inconsistent across the XXXX major credit bureaus ( XXXX, XXXX, and Experian ). For instance : XXXX does not report the account. 
XXXX reports the account as 30 days late for the month of XXXX, XXXX, XXXX and XXXX. 60 days past due in XXXX and Ok in XX/XX/XXXX. 
Experian reports the account as 30 days late for the month of XXXX, XXXX, XXXX, XXXX. 60 days past due in XXXX and Charged off in XX/XX/XXXX. 
These discrepancies violate the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a consumers credit report must be accurate and consistent. Under FCRA XXXX ( XXXX XXXX. XXXX ), credit reporting agencies are required to conduct a reasonable investigation into disputes and ensure the accuracy and completeness of information. Furthermore, FCRA XXXX ( b ) ( XXXX XXXX. XXXX ( b ) ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and compel Experian and XXXX to delete the incorrect and inconsistent account from my credit report. 
The inaccuracies and inconsistencies in reporting are causing undue harm to my creditworthiness and financial reputation.
Product: Credit card or prepaid card

Just recieved an attached letter from chase, I do not know what does this means..