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

I dont know where to put myself in this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that Experian doesnt have any fear of neglecting this kind of complaint. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the accounts ASAP : XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor BANK OF AMERICA has violated my rights. Under 15 USC 1681 section 602 states I have the rights to privacy. 15 USC 1681 section 604a section 2, it also states the consumer report agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under open and consumers credit plan as late for any purpose
Product: Credit card or prepaid card

I had closed an American Express Account ending in XXXX in XX/XX/2023. The reason was they wanted {$700.00} for an annual fee to have the card. I have been paying the remaining balance off and used their Mobile App on XX/XX/2023 to pay the " Total Amount '' indicated, XXXX as confirmed in my bank register XXXX info : ORIG CO NAME : AMERICAN EXPRESS ORIG XXXX XXXX XXXX CO ENTRY XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX IND ID : XXXX IND NAME : XXXX XXXX XXXX XXXX XXXX : XXXX ACH debit - {$1600.00} AMEX promptly notified me that the account was closed via E-Mail via their credit monitoring site hosted by XXXX. I've attached a copy of that E-Mail. 

Yesterday I received a notification that a payment was due, so looking into it again with the mobile app it said I owed XXXX for the same account. I went online through my desktop and I can't even see the account anymore, it's closed. According to AMEX this was for interest I didn't pay the month before. I paid the entire Total Amount indicated by XX/XX/2023 as indicated. 

Problem # 1, I paid the " Total Amount '' due on the due date. Why did I get charged the extra bonus interest in their favor? Especially since their credit reporting site says the account is closed?!? 
Problem # 2, Mobile App says one thing, you owe us {$21.00}. Desktop Website says nothing. Would the real amount owed please stand up?!? I can't rely on their technology to tell me the truth. With more and more companies forcing " electronic statements. '' I can't trust AMEX to be honest about what's owed and why. Online on my desktop, I see one thing, and on their mobile app another. 
Problem # 3, If I hadn't paid the account off why did XXXX know the same day that I had? That makes no sense. 

I don't mind paying interest, that's part of the game but AMEX in this case is out of line charging me extra interest on a closed account.
Product: Credit card or prepaid card

XXXX XXXX BANK XXXX XXXX XXXX / {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account XXXX has violated my rights 15 USC 1681 Section 602 8 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a Consumer reporting agency can not furnish my account without my written instruction
Product: Debt collection

I am a military veteran who was disrespected and belittled by a female debt collector with whom I spoke with about my car note payment. At the time I was in a financial bind due to the woes of the oil & gas industry along with the threat of COVID-19. Although my vehicle was repossessed I still continue to get harassing phone calls from Global Lending LLC ; of South Carolina in regards to paying the debt. Im not employed because of the current pandemic which is very much stressful as is and unable to provide for my family on a normal basis. Im seeking your help in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX took way over 30 days to complete certified mail dispute. Then when they finally sent me a response they stated that everything wS verified. I received no proof of verification. All disputed its by law have to be deleted due to their investigation taking longer than 30 days. I'm unsure how they can pretend to be unaware of the laws they must follow. I am submitting my complaint here to try to get them to follow the laws Consumers have rights for a reason and I will not allow mine to be violated. I demand the deletion of all disputed items due to the fact that no investigation took place and it took more than 30 days.
Product: Credit card or prepaid card

I am a resident of XXXX My XXXX XXXX XXXX ( ending XXXX ) was charged an annual fee of {$450.00} on XX/XX/XXXX. The account was closed XX/XX/XXXX. 

XXXX state law says : " XXXX XXXX. A card issuer as defined in section one of chapter one hundred and forty D, whether located within or without the commonwealth, may assess an annual fee provided that the cardholder as defined by said section one, is notified of the amount of any such fee on or with the billing statement for the billing period prior to that in which the annual fee is billed to the cardholder 's account. A cardholder may cancel his credit card agreement at any time during this period without penalty. If the cardholder cancels the agreement at any other time during the year, he shall receive a refund on a pro-rata basis of two-thirds of the annual fee. '' https : XXXX Under the last sentence, I should " receive a refund on a pro-rata basis of two-thirds of the annual fee '' when the account is closed. 

On XX/XX/XXXX, I had not yet received such a refund so I contacted Chase via secure message. On XX/XX/XXXX I received a reply that they would not process a refund because it was more than 41 days since the annual fee had been billed. I replied with the details of the Section XXXX law referenced above, and on XX/XX/XXXX again received a reply stating that it was outside their window to refund the fee, and no refund was possible. I replied asking to escalate the issue for further review, and on XX/XX/XXXX received a reply stating that it was not possible to refund the annual fee because it was outside the 41 day window, and they would not reply to further correspondence about this issue. 

At no point in the correspondence did any support agent acknowledge the XXXX law that I was referencing, and simply replied with the same boilerplate response. 

In the past, I have closed accounts with other card issuers, and they have automatically processed XXXX refunds in line with the Section XXXX law without me having to ask. Chase on the other hand refuses to acknowledge either this law or my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT WAS PAID IN FULL AND WAS NEVER LATE XXXX XXXX XXXX   Account Number XXXX Account Type Installment Loan Terms 60 Months Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance {$13000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$15000.00} Comments **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Payment History
Product: Debt collection

I am reporting Financial Accounts Service Team for reporting their fraudulent tradeline on my credit reports for a debt that I do not owe them AT ALL!! Ive never had any dealings with them or their client that they are working with, as I dont owe either anything. Especially since Ive been incarcerated for the last year, so whatever services, whether it be insurance or something else, I never inquired or requested for said services because I couldnt being in jail. My legal representation is ready to commence with legal proceedings if this fraudulent tradeline isnt removed from my credit reports immediately, so this is the first and last warning.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX 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 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 XXXXXXXX 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

XXXX XXXX deposited a check from me for {$88.00} on XXXX/XXXX/2015. On XXXX/XXXX/15, I received a collections letter from Transworld Systems for the same amount. XXXX has ordered collections for an amount that has already been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the following phone and address are incorrect. I have a son with same and when he uses my address they attempt to associate his phone numbers with me. Please removed the addresses listed below. I have updated my licensee to say XXXX, to avoid further mix-ups. 
XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX Telephone Numbers Reported : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

I have had multiple accounts with Citibank for almost 10 years and my accounts have always been in good standing!!! They just raised my credit line to {$31000.00} on my gold card which I use for everything!!! They closed my account at an executive level, all my accounts with no notice or no reasoning why!!!! I am completely confused and can get no answers from Citibank. I am completely blown away by their actions. I have excellent credit and this is mind-boggling to me. I would like to know why they did this to me!! Citibank 's customer service is of no help!!!!!
Product: Mortgage

Wells Fargo issued me a check for {$200.00} but has failed to provide me the reason for this check. I refuse to cash the check to protect my rights against WF. I need to know what the error is that WXXXX committed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint regarding my concerns on the handling of disputes. In particular the most recent CFPB lawsuit highlighting significant issues with the Zelle platform. Zelle has neglected to properly protect consumers information and funds and failed to investigate the claims adequately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX RAN MY XXXX ON XXXX XXXX AND EXPERIAN IN ERROR WAS SUPPOSED TO BE SOFT ONLY.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXXXXXX 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 Section 2 : It also states a consumer reporting agency can not furnish any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid this SLS Mortgage Loan # XXXX, on time from XX/XX/XXXX thru XX/XX/XXXX. And then I took forbearance from XXXX thru XX/XX/XXXX. From XX/XX/XXXX as per their offer on my new Modification Trial payment, I have started paying the new payment. Now my credit is showing XXXX days late from XX/XX/XXXX and ignoring the State Law of credit reporting. I have called the mortgage company, they are now telling me, since I did not take the forbearance anymore it will show late, and my question is the forbearance was on form XXXX thru XXXX, why the payment will now show XXXX days late. They are also INCORRECTLY SHOWING NO PAYMENTS ON XXXX, XXXX XXXX. This needs to be fixed ASAP. Please help me.
Product: Consumer Loan

i gave santander consumer usa the vehicles back i agreed to not challege the guy when he pick up the vehicles. I have since started to pay some of the money back i pay them XXXX dollars per month. I m a retired postal worker XXXX dollar is all i can afford at time. the problem is the account is a charge off account. Every month they are still putting a negative report on my account. this account was charge off in XX/XX/XXXX.By law can they continue to give a negative every month like they are during.
Product: Debt collection

On XX/XX/2018 @ XXXX EST, XXXX XXXX XXXX XXXX XXXX received ( via certified mail ) my debt validation request. I did not receive a response from XXXX XXXX XXXX, XXXX nor their client Specialized Loan Servicing, LLC ( SLS ) until XX/XX/2018. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), creditors have 30 days to investigate disputes. And if creditors can not verify the information within 30-days, they MUST delete and permanently remove all disputed accounts from the consumers credit reports. 

Failure to do so can result in a {$1000.00} fine per un-deleted item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a past due account on XX/XX/XXXX totaling {$1000.00} in preparation of purchasing a home. After I purchased the home in XX/XX/XXXX I later disputed the account the following year and the company updated the account incorrectly having it show that I was delinquent in year XXXX when I disputed it. I disputed the account again and the company updated the account for this year XXXX. The account was first opened well over 7 years ago and should not be on any of my 3 reports. I recently disputed and sent communication copies of emails and letter of explanations I had with XXXX XXXX XXXX XXXX. The account was paid in full and had to be paid in full in order for me to qualify for a home loan to purchase a home XX/XX/XXXX. This makes like my 5 or 6th time trying to resolve this issue. To note : I did manage to make an account online but the loan paperwork nor documents would not download. I'm guessing that since it dates back around XXXX, the records may not be available for the consumer anymore. Year XXXX was the last time I received a loan from this company. I fell behind after that loan but paid it off in XX/XX/XXXX after receiving VA XXXX compensation.
Product: Debt collection

Affirm has not acknowledged that the item was returned and they continue to charge me for the item .. its is hard to communicate or get in touch with anyone who can help. I have returned the item and no longer have the item that was purchased originally from XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

Once again, Citizens Bank uses creative manipulation of their timelines on my checking account to exact the maximum amount of overdraft fees, even when the account shows online that it is fine. I check my account first thing in the morning, midday and evening. I have copies of their creativity. As of right now they have charged me {$100.00} for 3 things, in which I do not know which ones it is. In addition I have made numerous cash and check deposits from my business, which to them is not on time even when it is the same day. I have complained to you before about them and they have returned some of my money, but not this time. I am seriously considering a class action suit, as I am sure there are many other customers in the same boat.