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

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with ( CREDITOR NAME ) 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 paymen t reported in 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 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, credit repair services, or other personal consumer reports

I contacted Experian due to reporting an account with XXXX. I am a victim of identity theft. I reported it to all bureaus XX/XX/2018. I contacted the company and they social security number listed on these accounts ARE NOT MINE! I have provided the bureau 4 times with my drivers license, proof of address and front and back of my social security card that clearly displays my social security number. Ive spoken with someone in their fraud department x2 and they still will not remove this information from my report. There were 20 accounts showing and they only removed 12 and left 8 remaining on my report. They are the only bureau showing this account that belongs to someone else with a similar name but not the same social. My fraud report with FTC : XXXX
Product: Checking or savings account

This Nightmare started on XX/XX/XXXX when I recieved email from Chase about claims be placed on my account. 
My bank account with JP Morgan Chase was hacked, scammed comprimised!!! 
Im not sure how it happened and I had no idea until about a week later when I checked email account andrecived notice stating a temporary credit was issued to my bank accout for the claims placed on my account I immediately emailed back 9which was returned non deliverable ) so i then called and spoke to Chase Rep advising I did not place any claims on my account, he looked at my account and said everything looks fine on his end, no need to worry, assuring me nothing to worry about, account looks fine. I trusted Chase Rep that my account was fine and went about my business, about a week later i started reciveing notices from XXXX XXXX and XXXX that previous Payments from XXXX, XXXX, XXXX, XXXX & XXXX were returned and I needed to make good on these payments I was Horrified, I went right into my bank account and it was now showing XXXX negative. 
I reached out with calls and got no where 9partially my falut I was crying so much rep couldnt understand me, so i reached out thru secure email in app letting them know I did not make any claims on my account and need for Chase to send back the payments to XXXX XXXX and XXXX that they unlawfully returned for non payment, I got email stating that i need to handel on own. 
Apprently Chase Rep somehow allowed access to a scammer-hacker-evil person to my acoount and they wiped me out, they put claims on past payments to XXXX XXXX and XXXX , then when tempory credit was applied to account the scammer stole the funds.

Ive reached out to Chase to seek reibusment for the money that was tolen from my account, i got absoutly no resoltion at all ( ive been banking with them for over 10 years without any issues ) I may be wrong but i feel Chase needs to take responsibility for this whole Nightmare I am going through. it was Chase Rep or Chase system that allowed scammer -hacker-evil person to steal my money & life. 
Iam devastated over this nightmare Iam not in good health I have a pacemaker? defibulator implant for XXXX XXXX and this nightmare he really taking a toll in declining health. 
im trly devasted over this and getting absolutely no help from Chase. 
i am devastated mentally phisacally and fiancally over this. 
is there anything you can do help me with this Nightmare Thank you for your Time and consideration in this matter all help will be greatly appreciated Sincerely XXXX XXXX
Product: Debt collection

On XX/XX/2020 I XXXX XXXX made a phone call to XXXX XXXX XXXX to take care of a debt that I incurred from XXXX XXXX XXXX in the amount of {$850.00}. At the time of speaking with the debt collector they set me up with two seperate payments which was requested by me. On XX/XX/2020 I made a payment of {$420.00} and then of XX/XX/2020 I made the second payment via an auto draft from my bank account of {$420.00}. On XX/XX/2020 when I made the first payment I asked teh debt collector reprsentative that was taking my payment that once I made the final payment would there be something sent to the creditors on my behalf to remove or delete as that was what I requested and they said yes once the final payment had been recieved. They also informed me that they will automatically mail me out a letter stating that it had been paid in full. Once I made the final payment on XXXX XXXX and I did not recieve anything in mail after a week I called the debt collector and asked them why I had not recieved anything in mail and thats when they told me that I had toc all and request that. I explained that the last representative that I spoke with did not tell me that I needed to call in however, she stated that it was something that they automatically did. To my surprise I did not get accurate information. Also, to have it removed or deleted the representative told me that it was something that was available upon request which I did request However, only to find out that this has not been removed or deleted from my credit. The last report showed that it was indeed paid in full but also as an active account which is not the truth. According to my research this is a UDAAP violation when there is Diceptive Acts of Practice which was very misleading for me and an very unnessary process to do the things that I need to do.
Product: Checking or savings account

A check you deposited for the amount {$2300.00} to acct XXXX wasnt funded and had to be returned. 

Your balance is- {$2200.00} as of XXXX XXXX XXXX XXXX 



And as a result of this my account was closed I had no idea that the check wasn't legit I had a previous problem like this being scammed I'm just trying to establish some credit so that I can better things and make it a lot easier for myself
Product: Payday loan, title loan, personal loan, or advance loan

Netcredit charging me biweekly. With no ending in sight when the small loan will ever be paid off. Been paying on this loan for over a year now. Can you please investigate. Thank you
Product: Credit card or prepaid card

XX/XX/2021, I received notice from US Bank, they would be raising my rate from 8.99 % to 13 % only on any new purchases. I called them as allways pay early more than the mininmum, often in full. They said my credit score dropped. I had sold my home to buy property and build a new home & business, currently renting, and was a ex XXXX customer, just received notice of possible id theft. I advised this is not correct, but will not charge another thing on that card remove monthly autopays ect. which I did except 1 annual auto pay. I have not charged one thing on that card since only paying off the balance. over the last 2 months US bank has been raising the interest rate on the old existing charges last bill they charged was 11.24 % this month 12.74 %. I called them spoke with the credit department adised this is theft. a small amount perdium, per numerous customers is XXXX  of XXXX. a Superviosor XXXX came on I demanded to know why a customer with a XXXX XXXX XXXX never late is being treated like a credit XXXX  per their actions was telling her about the notice last XXXX, XXXX said do you want to know why or just keep carrying on. I said why she said It's the law when the fed goes up we have to increase our interest rates. I asked then why has XXXX XXXX XXXX never done that to me if that is the law. XXXX advised I don't know, I don't work for XXXX  XXXX XXXX. This company has been nothing but a problem, when I moved and called gave them the address change, the sent one bill then nothing. I used my old statement to pay 1 week in advance. Called about my statement some how the name of XXXX XXXX was changed in their system, I had to go back over and correct that with them.
Product: Mortgage

In XXXX I had an issue with my escrow account. I fixed this issue and sent in the check on XX/XX/17. They were going to analyze my escrow account and adjust my payment amount. I have been calling Cardinal Financial every month since XXXX trying to get this situation resolved. For the last three months they have actually hung up on me.
Product: Debt collection

Today, XX/XX/21, I have received calls from this number. This is not the first time, there have been several days within the past month or so that I have gotten these calls. 

I have repeatedly told them that they have the wrong contact information. I am not the person they are trying to reach. I have repeatedly told them to stop calling me. I have repeatedly told them that I will reach out to the FTC if they continue to call me. None of these things has been a deterrent. 

They quite simply will not stop calling!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax and advised I was A victim of identity theft ( Attached identity theft report ) and as A result there are multple hard inquiries on my credit report that are fraudulent and that I did not authorize. The company said they did A in investigation after I submitted my dispute and none of the fraudulent hard inquiries where removed.
Product: Checking or savings account

XX/XX/19 : deposited {$5000.00} check from XXXX into our Bank of America checking account via ATM. Immediately informed that there is a deposit hold : funds available XX/XX/19 XX/XX/19 : funds deducted from XXXX account. Still see deposit hold XX/XX/19 : bank officer states he can do nothing. Advised try using the app to resolve. Did that. Told hold would be in effect until XX/XX/19. 
That is 11 calendar days or 8 banking days. Were a consumer to do this, it would be check kiting, with BofA it seems policy
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has posted wrong information to my report and refused to remove it has not sent me proof that the information is correct nor has it given me a chance to give any way to call them to speak to a human to work out the wrong information
Product: Checking or savings account

I tried to login to my Chime Account and found out it was suddenly closed. Ive been reaching out sent letter emails and even tried phone calls. Nobody will tell me why it got closed or anything. Ive even went as far as to trying to create another Chime but it wont let me. Ive never done anything fraudulent with them so Im not understanding the issue. If its cause I was barely using it its cause Im homeless money doesnt really get sent to me but majority of my family members or people that wan na help me have chime and now I dont.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXXXXXX 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, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter regarding inaccurate and unknown information on my credit report. To this date, over 30 days later I have not received a response. I feel like I am being taken advantage of and being ignored with my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to remove those inaccurate items from my credit report. It has been over 30 days, so they should be deleted immediately. I demand those accounts to be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am filing again a complaint against Experian for failing to investigate and address a dispute I submitted regarding an inaccurate account on my credit report. My initial complaint was submitted on XX/XX/2024 with reference number XXXX, but it has been closed without a proper resolution. 
The disputed account is XXXX XXXX, this account is inaccurate because it is paid off and closed, I provided proof of this inaccuracy on my previous complaint ( see enclosed ) Experian closed my complaint claiming they investigated the validity of the account with the furnisher and that they noted my dispute on the report. However, this is inaccurate! My credit report still reflects no remarks regarding the dispute I filed. There is no explanation provided about the alleged investigation into the account 's validity. 
While they state there is " no negative reporting, '' this does not address the core issue of the account 's legitimacy. 
These actions by Experian continue to violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 611 ( a ) ( 1 ) : Experian failed to conduct a reasonable investigation into the disputed information after I submitted a complete dispute with supporting documentation. 
Section 611 ( d ) ( 2 ) : Experian did not provide me with a clear and concise explanation of their investigation results. 
I request that CFPB have Experian take the following actions to resolve this very frustrating and costly issue : Conduct a REAL thorough investigation into the disputed account 's validity, considering the proof I provided. Update my credit report to accurately reflect the disputed account 's status and remove it as it is CLOSED PAID OFF! Including a clear notation of the dispute. Provide me with a written explanation of the investigation results and the basis for any decision regarding the disputed account. 
View Attached Documents : Proof of My Latest Credit Report ( showing the disputed account ) Copy of My Initial Complaint to Experian ( with reference number ) Proof of Dispute ( copies of documents you submitted with the initial complaint ) Thank you for your time and attention to this matter. I look forward to a prompt and fair resolution.
Product: Credit reporting or other personal consumer reports

There are many details and instance to list. One example is how in late 2024, using Merrill Lynch Web Bill pay, I wrote checks to pay my Merrill Lynch mortgage. Merrill Lynch mortgage company claims that there were insufficient funds to cover the checks. Merrill Lynch 's online website for investments & banking listed more than enough funds available for withdrawal and, looking at statements, there seemed to be plenty of cash in the account. XXXX should have email records containing the subject line " Banking complaint ''. This is just XXXX of many systemic errors I've experienced. My credit rating was impacted. My available credit was reduced by XXXX XXXX, causing auto billing to go unpaid. My credit line was decreased from {$5000.00} to {$500.00}. This resulted in me not being able to take advantage of a 0 % loan offer that would have saved me interest expense.
Product: Credit reporting or other personal consumer reports

This has been going on for several months. I have asked Equifax to raise my FICO score back to XXXX. Nothing has changed on my credit report to lower my score. Equifax lowered it for no reason.
Product: Debt collection

On XXXX XX/XX/XXXX, signed an evaluation agreement with XXXX XXXX XXXX XXXX for XXXX XXXX, carrying an evaluation period of 45 days after receipt. XXXX XXXXXXXX were delivered on XX/XX/XXXX. They did not help my hearing. Returned devices on XX/XX/XXXX in person to front desk of XXXX XXXX XXXX. Attending person said they could not provide mw with a receipt, but would email one. Never received email. On XX/XX/XXXX XXXX sent bill to collection agency ( State Collection Service Inc. ) for {$2400.00}. I have evidence placing me at their office on XX/XX/XXXX at XXXX. XXXX XXXX is very hard to reach ( very long telephone holds ), but they deny receiving units. They also refuse to provide alternative communication channel ( email? ). Collectors are now calling me, attempting to collect for units that were returned to vendor within valid evaluation period.
Product: Checking or savings account

In 2018, my XXXX  XXXX XXXX cashed 3 checks forging my signature with the total amount of {$2400.00}. Bank of America informed me that for me to get my money back I needed to make a police report since the person that stole the money was related to me. I made the police report and submitted the police report to Bank of America. Bank of America sent me a letter denying to reimburse the money stating that it was my responsibility to have my check book secured but the letter stated that I could appeal it. I did appealed but the answered was the same. The bank denied reimbursing the money once again. 

As a result of this incident, I opened a new account with Bank of America which is my current account : XXXX. The prior account number were the money was taken was : XXXX.
Product: Debt collection

XX/XX/2020 my wife was rear ended by another vehicle while on the off-ramp of a freeway. Not only was the at fault driver not billed for the emergency services ( transportation ) rendered to my wife as they should have been. The company has refused to work with XXXX as I am XXXX XXXX military for payment that they deemed my wife and I responsible to pay. XXXX was contacted and ensured my wife and I that they have sent correspondence to the debt collector stating my wife nor I are responsible for this debt.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS LEAKED IN A DATA BREACH. I DIDNOT AUTHORIZE THESE INQUIRESAND THEREFORE I AM REQUESTING THAT THESE INQUIRIES BE REMOVED FROM MY DREDIT REPORT. 
THESE INQUIRIES WERE MADE WITHOUT MY KNOWLEDGE. 
PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORTAND SEND ME AN UPDATED COPY ONCE IT HAS BEEN REMOVED. 

XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX - XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XX/XX/year> - The following inquiry was not authorized and should not be reporting. 


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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Checking or savings account

I had a checking account open with US Bank. I came inside for service. I had someone ask me if there was a way that I could help cash a check that was paid to him a concert he had participated in. The check was over XXXX dollars. When I say the amount I didnt believe it. I asked the teller inside if she knew if the check was fraudulent right away because I didnt believe the person who signed the check over to me exactly. At the time she looked at the check and said that she wouldnt know if it was fraud or real for a few days. I was very much on the side of things being fraudulent and I expressed to her that I didnt want to be a part of it if it was fraudulent. I expressed with deep regret that I believed it to be a bad check. She then asked me if I wanted XXXX dollars upfront that day. It was the most exhausting time. I felt obligated for some reason by two parties, and I didnt feel that US BANK cared about my account as a XXXX. I barely had income during that time. Her and I went back and forth about if I should take the XXXX dollars and wait for the check to clear. It was very discouraging. In the end I took the XXXX dollars and walked over to the ATM the US Bank Drive through where the man I knew was parked. I handed him all the money, XXXX dollars. I came back into the same location after a few letters in the mail about my account being closed and negative. I was very upset about the outcome and asked for the manager who was a woman. I was told that there was nothing the bank could do for me that my best option was to pay the negative balance and fee. I asked if we could call the police and the manager replied no the bank can not call the police or do anything for me and she asked me to leave the bank. I also was told that I used the ATM the day of the incident instead of coming inside the bank. That was not true. I left in tears that day.