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

The credit card I have is XXXX. I have never missed a payment with them but yet they are reporting a late payment on my credit. I had a XXXX  balance on the months that they said I missed which no payment was due. They said they would fix it but never did. I disputed it and still nothing
Product: Debt collection

I was a   XXXX   XXXX   but now im on  XXXX  due to my   XXXX   XXXX   and    XXXX   XXXX   XXXX    are trying to take me to court for a credit card debt. I have had a lot of trouble out of this company before. they were trying to take me to court once before and the company that has it now are still calling me and the debt is from   XXXX  . I have papers now that    XXXX   XXXX   XXXX    are about to take me to court for. a letter has been send to them stating I am on  XXXX .
Product: Credit reporting or other personal consumer reports

So I was shopping around to get the best offer from 2 companies XXXX and XXXX XXXX. They should removed all hard inquiries except the last one before I bought the house with XXXX XXXX last XX/XX/year>. 
As per the actual credit report XXXX and XXXX XXXX remove these hard inquires.
Product: Checking or savings account

Yesterday I received an email from Bank of America saying my phone number has been deleted by XXXX. And the next day I stoped by one of the branches and I was noticed that my checking account had been closed permanently. And I haven't been told the reason why it happened. I am totally in the dark. 

I tried to solve this but they told me that was the final decision. And my balance can be only returened to me when they finish the whole closing process which may take up to 4 weeks. It badly influenced my life and I can do nothing for this.
Product: Debt collection

Monarch Recover Management Inc. 

This company sold a debt I paid. I provided the proof that I paid this and they did not close it. Instead, they sold the debt to another company. I provided proof on XX/XX/2022 that I paid {$760.00} for account XXXX. 
I included copy of the transaction from my credit card and letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years, Experian has been reporting a false account on my credit report causing my score to drop tremendously. Account : XXXX XXXX XXXX XXXX has been reporting since XX/XX/XXXX in the amount of {$210.00}. I've disputed this account numerous of times with no luck getting it removed. On XX/XX/XXXX, I sent a certified letter to Experian asking them to provide me with verifiable proof ( an original consumer contract with my signature on it ) that is on file. By law, under the FCRA Section 609 ( a ) ( 1 )  ( A ) it is required that the credit bureaus provide a physical verification of the original signed consumer contract and any and all accounts posted on a credit report. Otherwise, anyone paying for reporting services can easily fax, mail, or email a fraudulent account. By, law unverified accounts must be removed.
Product: Debt collection

I owed {$1600.00} to XXXX XXXX Bank Credit Card but medical expenses probated payments. My wife, XXXX, is XXXX. We XXXX live on XXXX only. 

XXXX XXXX Bank sold the debt to a law breaking junk debt collector LVNV Funding , LLC. Their attorney, XXXX XXXX XXXX XXXX, harassed us with calls all hours of the day. Their bill collector went to neighbors misrepresenting themselves as the police and disclosing we owed money and we were XXXX. 

The law firm sued us and won a default judgment for {$2300.00} on XXXX/XXXX/2016 ( attached docs ). We wrote them on XXXX/XXXX/2016 telling the attorney to cease all collection harassment ( attached docs ). They continued to tape legal work to our front door after our cease and desist letter. In speaking to the law firm they were aware that our income was from XXXX only but the attorney threatened to illegally garnish our checking account on XXXX/XXXX/2016 ( attached docs ). 

We filed bankruptcy on XXXX/XXXX/2016 but to date the attorney has not removed the collection activity from our credit report. 

LVNV Funding LLC and XXXX XXXX XXXX XXXX have violated the FDCPA laws and should be held accountable for their law breaking activities..
Product: Checking or savings account

What Happened? 
In XX/XX/XXXX, I became a victim of fraud involving checks that were wrongfully processed through my personal account with Chase Bank. As a result, Chase closed my personal account, causing me to lose {$5000.00}. Despite being a loyal customer of over 8 years at that time, I was not afforded the benefit of the doubt or adequate resolution. 

Now, as a Chase customer for over XXXX years, I am still facing similar issues that question the consistency and fairness of Chases policies. 

In XX/XX/XXXX, I was allowed to open a new business checking account with Chase Bank. After opening this account, I deposited {$3000.00}. However, shortly after the deposit, Chase informed me that the business account was being closed as well, citing that I was deemed a liability due to the previous fraud incident. 

At no point during the business account application process was I flagged or warned that opening the account would be an issue. Chase accepted my deposit and only afterward decided to close the account. This lack of communication and foresight has caused significant financial and emotional distress, including : My {$3000.00} deposit is now tied up and inaccessible, leaving me without access to critical business funds. 
The closure of the account feels unfair and inconsistent, as Chase allowed the account to be opened and funds to be deposited before taking action. 
I was not informed during the account creation process that the previous fraud incident would affect my ability to maintain a business account. 
What Actions Were Taken? 
By Me : I deposited {$3000.00} into the Chase business account after it was successfully opened. 
I contacted Chase customer service to understand the reasons behind the closure and to request the return of my funds. 
By Chase : Allowed the business account to be opened and accepted my deposit without any warnings or flags. 
Closed the business account shortly after the deposit, citing liability concerns related to the XX/XX/XXXX fraud incident. 
What I Am Seeking : Reimbursement of Previous Funds : I request the return of the {$5000.00} lost in XXXX due to the fraud incident, as I was not at fault and did not receive adequate resolution. 
Immediate Release of Current Funds : I request the immediate return of the {$3000.00} deposited into the business account. 
Clarification of Chases Policies : An explanation of why I was allowed to open a business account and deposit funds if I was already considered a liability. 
Transparency regarding Chases internal processes for approving accounts. 
Compensation for Damages : Consideration of compensation for the financial and emotional stress caused by these events, as well as any disruptions to my business operations. 
Why This Matters : This situation has not only caused financial hardship but also raises serious concerns about Chases transparency and fairness toward long-standing customers. I respectfully request that this matter be resolved promptly to restore trust and prevent further harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I purchased my home having a balloon account 80/20. Meaning, I have a first and second mortgage on my property. The first mortgage company is the XXXX XXXX XXXX and the second mortgage company is XXXX XXXX. Receiving my current credit report, there are a total of three mortgage accounts that are reflecting inaccurate information on my Equifax credit report. 

XXXX XXXX XXXX XXXX is reporting to Equifax two open mortgage accounts. THER IS ONLY ONE MORTGAGE ACCOUNT WITH THIS COMPANY. What is reporting is an account in the amount of {$48000.00} and another account in the amount of {$49000.00}. This type of error can hinder my creditability and place my debt ratio in a higher bracket. Again, I only have one mortgage account with XXXX XXXX. 

I contacted Equifax on XX/XX/XXXX via certified mail to inform them of the error. Aso, I have reached out to XXXX XXXX to rectify the issue. As of XX/XX/XXXX, the issue has yet to be corrected. Reporting inaccurate information on a consumer report can lead to further action to take place against reporting companies.
Product: Bank account or service

I signed up for a program with Synchrony Bank. Phone number XXXX. 
The program gave me six months with zero interest. The amount I borrowed was {$990.00}. 
I went to pay my bill today, and the bill I was presented with was {$1000.00}. 
Today is XXXX. The loan was taken on XXXX. This means their salesmen are sorely untrained and not properly educated as to their sales practices, or it is highway robbery committed against my person. This can not stand. They can not steal from their customers like this. Refund my unjust interest!
Product: Credit reporting, credit repair services, or other personal consumer reports

For over 2 years I have had to deal with a Credit Rating that has been destroyed by XXXX incompetence. In short my 830+ Credit Score is now at XXXX and struggling to recover due to XXXX incompetence. Thankyou for at least reading this far. 
In short, I was moving homes and requested to cancel XXXX XXXX. 
I followed requested process and in fact waited 3 times for someone to collect unit as scheduled ... no one ever turned delivered myself to XXXX location. While dealing with this over the few week I was billed by XXXX for another month. Despite all the " promises '' this will be rectified NOTHING was done. Instead XXXX sent collection notices ( adding insult to injury ) which I refused to pay out of principal ) Consequently this referred to various Collection Agencies who passed the SAME DISPUTED account around, each time impacting Credit Score ..Finally out of frustration I paid bill but damage has been done. As you will see from all my active accounts and my long term payment history with EVERYTHING ELSE has been stellar ( hence my original XXXX Credit Score ) yet my scores with XXXX, XXXX and Experion remain low and yet to be corrected. 

One has to question the accuracy and integrity of the Credit Agencies ( and why I am registering this complaint after two years +of frustration ) as to how ONE DISPUTED XXXX bill for {$100.00} outweighs payments for numerous other accounts including mortgages involving thousands of dollars paid fully well in advance. 

My Credit rating has not been corrected nor fairly represents my " payment character '' which impacts me any time I look to apply for anything that requires a Credit Rating search to be done. 
Hopefully something good will come of this to protect other customers. Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with those crediotrs was never late! I have had exceptional payment history witH XXXX XXXX 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 those account 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.

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: Payday loan, title loan, or personal loan

I have a loan with Citizens Bank. On XX/XX/XXXX, my debit card that was on file to make monthly automatic payments was compromised due to suspicious activity. As a result, I was issued a temporary debit card and a permanent debit card from my personal bank within a XXXX-month timespan. Because my automatic payments could not be made with my initial debit card, I received an email from Citizens Bank notifying me to update my payment information. I immediately updated my card information with the temporary card in XXXX and the permanent card in XXXX. Citizens Bank refused to charge my card ( s ) the day I updated my payment information. As a result, there were XXXX missed payments that appeared on my credit report and my excellent credit score dropped by XXXX points. 

I would like to report that Citizens Bank intentionally did not take out the amounts I owed in XX/XX/XXXX and XX/XX/XXXX and as a result, my credit score has plummeted. 

I was put in contact with XXXX XXXX from the Office of the Chairman who admitted that there was wrongdoing on Citizens Bank 's part but will not correct the issue. 

It is extremely deceptive to email consumers to their update payment information, but not indicate that a payment will not be made immediately. XXXX took my feedback to improve future communication with customers on her end ; however, refuses to resolve the issue that has impacted me. 

There are other consumers who were in a similar situation who had this issue resolved. Citizens Bank is not a consumer-friendly bank, but rather a collection agency. The company asks customers to put a credit card on file as opposed to the account number of a bank account to take out automatic payments for a loan. 

This is a malicious way to conduct business. There are customers whose debit cards may expire, be compromised, etc. and they are unable to make a payment due to no fault of their own. Citizens Bank intentionally wants to destroy the health of consumers credit with their misleading practices. 

Furthermore, there is nothing in the terms and conditions that states that a payment will not be processed the day that a consumer updates their payment information. 
It's deplorable that Citizens believes in the importance of customer building and satisfaction but has admitted fault in this situation and refuses to correct the issue. 

Please see attachments that convey my card on file was compromised and an email from Citizens Bank that shows the lack of clarity for when a payment will be made once a consumer updates their payment information. 

***It is important to note that on XX/XX/XXXX, Citizens responded to a complaint I filed with XXXX and removed the late payment for XXXX from my credit report but kept the late payment for XXXX on my credit report. Both XXXX and XXXX need to be removed from my credit report immediately! This is a clear acknowledgement that this should have never been placed on my credit report.
Product: Money transfer, virtual currency, or money service

A person scammed me out of my money by pretending to be XXXX XXXX. I work for XXXX. The person called and made it appear to be legitimate and very believable. He induced me under false pretense, larceny by trick. The scammer had me to believe that a rider made a report on me and I had to go through a verification process and part of that process was through credit card transaction via cash app stating that it would not charge my account but only show pending and will be returned. I have the proof that I was induced by such fraud. He defrauded me. I also have a police report. This transaction was an authorized transaction because it was done under false pretense, fraud, larceny by trick. I made cash app support aware of this fraudulent activity and asked and demanded that they reverse or cancel this transaction under Regulations E. I made the report on the same day when I realized it was a scam. I also have proof.
Product: Credit reporting or other personal consumer reports

The following accounts are not mine, I suspect identity theft, these accounts only report on XXXX and Equifax and I would like them removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 16 CFR 313.1 financial institutions are required to provide a 30 day opt out notice to ALL consumers rather they would like their nonpublic information reported. 

Both XXXX and EXPERIAN failed to provide me with such notice. This is a violation of FCRA.

VIOLATION 1 : XX/XX/XXXX VIOLATION 2 : XX/XX/XXXX VIOLATION 3 : XX/XX/XXXX VIOLATION 4 : XX/XX/XXXX VIOLATION 5 : XX/XX/XXXX XXXX
Product: Debt collection

I recently checked my credit report and noticed i had a new debt from ERC. Immediately I sent checked it out and noticed it was for an account that is obviously not mine because it was opened in XXXX XXXX and I live in XXXX. I immediately sent a debt validation letter to ERC to dispute this debt. I got a response back from ERC with so called 'validation '' which happens to be 3 months of bill ledgers. Whoever opened this account had it open from XX/XX/XXXX- XX/XX/XXXX and ran up {$1200.00} in charges.ERC nor XXXX nor XXXX have any proof of my license or a signed contract proving to me that I indeed opened this fraudulent cable account. At the time this account was opened in XXXX, XXXX ( Which I never even heard of ), I lived at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. At that time i also had cable services at my address with XXXXXXXX XXXX   who XXXX now owns. I am 100 % sure they can research that to verify that I cable in XXXX. But now when I asked them to pull up my account to prove I lived in XXXX   they mysteriously can not pull accounts from XXXX. So how do they want me to verify the address I lived at during the 3 months this cable services was so called in " my name ''. I also called the electric company who told me they can only pull accounts back to 2 years. So this alleged cable account need to be removed from my credit report IMMEDIATELY. I am wondering why all of a sudden it popped up on my reports and I have no debt. Why wasn't it reported in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ,XX/XX/XXXX or XX/XX/XXXX?? I could have maybe had a chance to prove it wasn't my debt. Now 7 years later i'm STILL in XXXX living my good life and they want to pop up now. They need to verify ID from people opening services so things like what I am going through can STOP happening..
Product: Debt collection

I am continuing to receive calls from a collection agency after notifying them that I am not responsible for the utility charges they allege. I also called the company that they are collecting for and learned that company does not use this collection agency nor do they have my name filed under any service. I believe it is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXL XXXX # XXXX TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A. 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 mare 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 persom knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

Leased XXXX XXXX XXXX in XXXX XXXX from XXXX XXXX XXXX in XXXX, KY. Loan financed by Chrysler Capital. The motor vehicle tax ( MVT ) and registration fees were of course paid at that time - in XXXX.. In XXXX XXXX Chrysler Capital added the MVT and registration fees to our XXXX car payment. In XX/XX/XXXX we received a bill from the XXXX County clerk that the MVT & reg. fees were due - in XX/XX/XXXX. instead of XXXX. Apparently there is an entity, Santander bank, that pays these charges inXX/XX/XXXX. and then Chrysler Corp. bills us. We received this notice on XXXX XXXX and had to go to the Clerk 's office to pay these fees as Santander had not, and we faxed notice of payment to Santander on that dayXXXX. In speaking with Chrysler Capital, they told me that Santander had paid the fees after we did on XXXX/XXXX/XXXX and that before our acct. was unblemished Chrysler Capital had to receive a refund of their payment. Why they paid the fees after we had faxed them proof that they had been paid is unknown. Nevertheless, if we must continue to renew our registration in XXXX instead of XXXX we will have to pay these fees 4 times on a 3 yr. lease- XXXX XXXX - XXXX XXXX - XXXX XXXX and XXXX XXXX. The lease expires in XXXX XXXX. Two calls a week apart to Chrysler Capital yields apologies but that they are unable to resolve the situation until they receive their refund for XXXX which in my opinion is no fault of ours, as we paid the fees on time and faxed to them the proof of payment. There is no more that we could have done.
Product: Credit reporting or other personal consumer reports

It seems that once again, my credit file has been compromised. Upon reviewing my records, I've discovered numerous items that are not mine. As someone who values thorough research, I've learned that under section XXXX of the FCRA, there's a legal obligation to remove any fraudulent items resulting from identity theft. The disputed items are not associated with me. I've attached the necessary FTC Report for your reference and for the bank 's records. Kindly proceed with the removal of these items. 
XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX Balance : {$3600.00} XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of 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.