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

I received a letter stating that I was late on a payment from XXXX around XX/XX/XXXX. I didn't know what it was as I didn't have any open accounts with XXXX so I sent a letter to them asking them to verify the account in writing in which I never heard from XXXX. I thought it was a mistake. Then in XX/XX/XXXX, I got an alert from my credit bureaus that XXXX said I was 30 days late XX/XX/XXXX. I then tried calling XXXX  and was told that there was a mistake on how the account was closed so there was a {$25.00} fee added to the account. XXXX closed this account long before I was done with the payments and I only found that out through my credit report. The account has ALWAYS been in good standings up until they added this 30 day late on a closed account. I wasn't banking with XXXX  either so I would have no way of knowing about any fees accessed. There was no notification of any fees due. The XXXX rep stated that she fixed the account and any fees were taken off and that she had properly closed the account on her end. I asked her about the 30 day late and she stated I would have to dispute the account. After talking to several XXXX representatives, I finally got one that stated I should not have receive a 30 day late and that she was disputing the late to have it removed from all 3 credit bureaus. After it was removed, then I get another alert that a 30 day late had been added again to this account for XX/XX/XXXX. There were no issues with this account until they made an error on this CLOSED account and added this 30 day late in XX/XX/XXXX. Now all of a sudden I'm late in XX/XX/XXXX. I was NOT late in XX/XX/XXXX. I spoke with another XXXX rep on today and he stated that it LOOKS like I was late in XX/XX/XXXX by making half a payment on one day then half a payment on another day. This is TOTAL XXXX from XXXX. I'm not sure why they are purposely trying to mess up my credit, other than not wanting to except they were wrong in the first place to give me a 30 day late in XXXX when I was not late. I feel that XXXX is purposely trying to punish me because I fought this mistake they made. How can I go with no lates with this account since XX/XX/XXXX, and now all of a sudden lates are coming from everywhere on a closed account. This is not fair or ethical for a business to do. The credit bureaus also are not investigating this matter, they are excepting whatever XXXX says and reporting it. Now XXXX is showing that the account was closed XX/XX/XXXX, when it was closed years before. If XXXX had answered my request of verification when I first asked for this in writing, none of this would be happening. Although they claim their was an issue on their end with the closing of this account, I don't see how that's possible when they closed it, as I had no access to it anymore and it was updated on my credit report as closed.
Product: Vehicle loan or lease

Avid Acceptance continued to bill me after the vehicle was repossessed. I obviously could not pay the vehicle and numerous attempts were made to contact to which i was ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. Bankruptcy XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX 2013
Product: Credit reporting, credit repair services, or other personal consumer reports

I had online accounts setup with XXXX, Experian, XXXX, and XXXX to login and check my credit reports which I have not done for several years. I have a freeze on all these accounts. I tried to check the status of each of the XXXX with the online usernames and passwords we had setup. Today I found out than none of the logins I had established work now. None of these companies ever notified me that my login was XXXX. If I desire to make a large purchase and need to temporarily unfreeze the my accounts, I have no way to contact these companies because my logins are shot. I can find no way to write to the companies to correct these problems that they made. The only thing they offer for help is a phone number which leads to an endless que to waste my time with each XXXX of these outfits which I refuse to accept. THEY CAUSED THIS PROBLEM, YET I'M SUPPOSED TO WASTE UNKNOWN HOURS TO GET THIS FIXED. Why are their online security setups so messed up that they can not maintain a login online? This is unacceptable.
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 : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : 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: Credit reporting or other personal consumer reports

There are 2 credit card accounts showing in my credit report. I do not recognize those accounts.
Product: Credit card

I have a Goldman Sachs Apple Credit card account. XXXX of my family members each have credit cards that are associated with my account. Each credit card number is different, but they are all linked to my account. 

On XX/XX/year>, fraudulent credit card transactions were attempted with the credit card number of a family member ( my son ). There were XXXX fraudulent attempts in total. Most of the transactions were flagged by Goldman Sachs as fraudulent ; however, XXXX were permitted. When I received an alert from Goldman Sachs of these attempts, I told Goldman Sachs that the charges were fraudulent. Goldman Sachs then closed my son 's credit card and issued him a new credit card under my account. 

The XXXX permitted charges were to Goldman Sachs 's affiliate, XXXX XXXX, and its XXXX XXXX, so I disputed those charges. 

The following month, Goldman Sachs rejected my credit card dispute, claiming that I made the XXXX XXXX charges. Goldman Sachs asserted that I purchased an XXXX from the XXXX online store and that the XXXX was shipped to me to a location in Florida. 

I do not live in Florida, and I did not order the XXXX. Further, the name of the purchaser was my name, but the credit card used was my son 's Apple Card credit card number. This should have caused a credit card mismatch, but Goldman Sachs allowed the transaction to process regardless. 

The XXXX  was also activated by someone other than me. XXXX XXXX knows who this person is. This person attempted to purchase an XXXX XXXX XXXX phone plan with my son 's Apple card in my name ; however, XXXX XXXX XXXX reversed this fraudulent charge. Goldman Sachs refuses to acknowledge this as proof that the XXXX purchase was fraudulent as well. 

Goldman Sachs also claims that I accepted the XXXX XXXX XXXX  " Terms of Service '' when I purchased the XXXX, which they assert is proof that I purchased it. However, I did not accept the Terms of Service, because I didn't purchase the XXXX. Goldman Sachs has provided no proof that I accepted these terms ( an XXXX  address, phone recording, etc. ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making a complaint against XXXX, Transunion, and XXXX. These companies are reporting false information on my credit report and those accounts need to be removed NOW. I sent a letter to all three credit bureaus with proof that they are reporting incorrect accounts on my report. They have not done a thorough investigation! While reviewing my report I am still seeing this FALSE information being reported. I've attached a letter from the Bankruptcy XXXX advising that they do not share information regarding Bankruptcy and XXXX XXXX  is not reporting a Bankruptcy! So how is this information accurate? Your companies is illegally breaching consumers information! DELETE these accounts now as they are not accurate nor verified! 

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

Account name : XXXX XXXX XXXX 
Account number:XXXX  Account name : XXXX XXXX XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX  XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account numberXXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX  Account name : XXXX Account number:XXXX  Account name : XXXX XXXX Account numberXXXX Account name : XXXX Account number:XXXX  Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX  Account name : XXXX  XXXX Account number:XXXX Account name : XXXX Account numberXXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX XXXX Account number:XXXX  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.

15 U.S.C 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Are you familiar with the 15 U.S.C Sec. 1681i ( a )? Ive learned that if you cant provide proof, these accounts must be deleted.

They also violated my rights numerous times!

The credit bureaus violated my given rights under 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Product: Checking or savings account

I written to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred. Despite having sufficient funds when transaction was authorized, I was charged fees due to lagged posting of charges and credits.This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed that I have some hard inquiries that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I need your help between XX/XX/2021 and XX/XX/2021 I had ten large deposits into my Capital One checking and savings accounts from my XXXX XXXX XXXX  cash account ending in XXXX totalling over {$530000.00}. After a few days the deposits were initiated back to XXXXXXXX XXXX XXXX XXXX during this process the banks had and error causing my money to get misplaced caught in limbo. Capital One and XXXX XXXX  banks both tell me they dont have my money and each bank claims the opposite bank has my money. Its been three months and i havent seen a penny yet of my deposits. XXXX XXXX XXXX XXXX XXXX XXXX XXXX La XXXX XXXX XXXX
Product: Debt collection

On Tuesday XX/XX/2020 I received a letter from Credit Collection Services XXXX XXXX XXXX XXXX, MA. XXXX XXXX Their letter was an attempt to collect {$170.00} on behalf of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX This is in reference to a homeowner policy XXXX. I had previously faxed a request to cancel this policy to XXXX effective policy renewal of XX/XX/2020. XXXX chose, on their own accord, to continue coverage, then to cancel the policy on XX/XX/2020 resulting in a {$170.00} bill. I did not want to continue insurance coverage with XXXX therefore the reason I submitted the cancellation request. If XXXX had processed the cancellation as requested no amount would have been billed.
Product: Bank account or service

To whom this may concern, Please see the attached document as it details violations of the XXXX rules that protect consumers from illegal financing activities. 

Sincerely Yours, XXXX
Product: Checking or savings account

This is a continuation of a prior issue. I will provide the explanation here. I received a letter from Citizens bank that they owe me XXXX and to contact a number provided I called the number and I can not get a hold of anyone as it will only help people with an account number. As this is a disbursement of a loan from XXXX I no longer have an account number. I have tried to contact them and it's impossible to receive my money from Citizens bank. In the follow up with Citizens bank the said the money was surrendered to the State of Massachusetts treasury. I checked with the treasury and there is no money to claim. I believe Citizens bank made a false claim about the surrendered money. There is nothing in the records from the state about the money. 

This is now the third time filing a complaint. Once on XX/XX/XXXX and the other XX/XX/XXXX. They are filing responses that the money was escheated to the state yet withhold proof of this. Citizens bank is lying to me and the CFPB in order to not pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my transUnion, XXXX, and XXXX credit report that I did not authorize. Starting from XX/XX/2021 till now. I have called numerous time and I have sent letters out regarding this issue, and it still hasnt been resolved. This is affecting my life really badly because I am unable to buy a home or do what I need to do. I went to the credit union yesterday to see about a personal loan and they analyzed my credit report. They claimed that I requested a personal loan in the amount of {$1700.00}. When I checked the address of the requestor, they stated that it was an address from XXXX, TN in which I have never lived there. I have been trying to remove that address for about 4 months now. I have disputed these things multiple times and no one has taken it off. Please help me resolve this issue.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian. Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon viewing my credit report I found an inaccurate late payment from XXXX XXXX on XX/XX/XXXX that was reported on XXXX  XX/XX/XXXX. This late payment was never on my credit report all these years until XX/XX/XXXX. How can this late payment be accurate when in XXXX XXXX XXXX XXXX XXXX I had good payment history. XXXX   Equifax and XXXX  is reporting this account inaccurate.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

Year after year after year it is the same story, NO COMPLIANCE!! I am here as a lifetime customer to tell you what each of you already know, still NO COMPLIANCE!!! 
Now the last time I talked to someone at Wells Fargo, I said I had talked to a small circle of customers about these orders and not 1 were aware or had been compensated. And before it is said, yes, they should have been included in multiple orders. I would hate to see what would happen if I stood outside a branch or two of local Wells Fargo branches and started asking customers questions?! 
I have done everything by the book. I have several CFPB orders to no avail, FDIC, ECO and now I am just saying this I have been a customer since XXXX  ( per date on my debit card ) I have actually been with them longer, when they were XXXX I was a customer ( XXXX ) I have NEVER received ANY notification from said Financial Institutions about ANY order!!! 
I WILL NOT GIVE UP!! 
They know they did me wrong!! They know they did not contact customers like they were supposed to!! HOLD THEM ACCOUNTABLE!! I may not be a huge STAKEHOLDER, but my VOICE is MIGHTY, and I will use it to expose your lack of care for your XXXX, longtime customers!! Your incompetence for following orders, and continued consumer abuse!! 

I can't access all the years of my overwhelming overdrafts you hit me with, however the average was {$300.00} a year of the one 's you did give me access to so ..... 
XXXX {$9900.00} DO WHAT IS RIGHT!!! 

SINCERELY XXXX XXXX XXXX
Product: Vehicle loan or lease

I feel behind in my payments two months, I went into an agreement with them to pay more money towards the two payments plus my car payment. I have been paying them XXXX for a while now and the payment hasnt change. I asked them to send me a copy of the agreement and they didnt have it. I asked them how is this helping me, when the amount is still the same and not going down. Please I need help.