23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to follow up on my previous complaint ( # XXXX ) regarding my ongoing issues with my XXXX XXXX XXXX XXXX XXXX managed by Community Bank . Despite the efforts outlined in my initial complaint, the situation has escalated and remains unresolved. 

Summary of Original Complaint : In XX/XX/year>, I made a purchase using my XXXXXXXX XXXX XXXX XXXX. During a bank account transition, I overlooked setting up automatic payments for this card. Upon realizing this in XX/XX/year>, I promptly paid the outstanding balance, thinking the matter was resolved. However, XXXX 's left a {$2.00} balance, which I was unaware of, leading to further complications and charges that I attempted to resolve through numerous calls and payments. This resulted in a 30-day late payment being reported on my credit report on XX/XX/XXXX, severely damaging my credit score. 

Update : Following my complaint, XXXX 's issued credits totaling {$100.00} for interest charges and fees, and informed me that a refund check for {$26.00} would be sent to me. They assured me that my account was closed in XXXX with a XXXX balance. 

Ongoing Issues : The issues persist despite my numerous attempts to bring my account balance to zero and guarantees from XXXX 's representatives that my balance was indeed XXXX. I never received the promised refund check. Moreover, XXXX 's has inexplicably resumed charging my account, resulting in a new balance of {$62.00} for interest and late payment fees. These charges stem from the persistent {$2.00} balance they left on my account, which appears to be a tactic to continuously levy fees against me. 

Despite my efforts to resolve the situation, including multiple calls to XXXX 's customer service, I have been met with incompetence, inconsistent information, and no resolution. This ongoing issue is severely impacting my credit score and causing significant frustration and distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I take issue with the terms and conditions included as part of Equifax 's recent disclosure to consumers their personal information was compromised/hacked - consumers merely by checking with Equifax on Equifax 's website to see if they are affected are forced to agree to not join class action lawsuits or otherwise take legal action against Equifax. 

Further, the data compromise was in XX/XX/XXXX and the information was just disclosed to consumers. When going to www.equifaxsecurity2017.com and entering my name and social security number I am simply told to come back to the website in a week 's time. 

This is unacceptable - there needs to be stronger regulation in data security for credit reporting agencies and better consumer protections.
Product: Credit reporting or other personal consumer reports

On XXXXXXXX XXXX I presented paperwork to the Virginia Department of Social Services/Division of Child Support Enforcement to address the unauthorized obtaining and use of his information without consent. Since the conclusion of the proceeding, the agency has reported a fraudulent debt, even though there is no contract or obligation of a debt on record.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

I checked my credit report and found inaccurate debt collection from Credence RM. Submitted dispute dated XX/XX/year>.
Product: Money transfer, virtual currency, or money service

XX/XX/21 Received text message from XXXX : " FIFTH THIRD BANK : your ACH transfer of {$4100.00} will clear on XX/XX/21. Click here to approve or cancel it : XXXX  : XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Subject : Request for Investigation and Correction of Disputed Account - XXXX XXXX XXXX Dear CFPB, I am writing to formally dispute inaccurate late payment information reported on my credit report for the account XXXX XXXX  XXXX, with the following details : Account Number : XXXX High Balance : {$14000.00} Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX and Equifax XXXX Balance Owed : {$9000.00} ( XXXX and XXXX ), {$9100.00} ( Equifax XXXX Account Type : Unsecured Loan Account Status : Open Payment Status : Current Discrepancies and Errors : Late Payments Reported in Error : XXXX XXXX Late payments reported for XX/XX/XXXX and XX/XX/XXXX. 
XXXX : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Equifax : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These late payments are inaccurate as all payments for the account were made on time, as confirmed by my records. 
Inconsistent Reporting : XXXX and Equifax report the last verified date as missing, while XXXX accurately lists it as XX/XX/XXXX. 
The reported balances for the account differ between XXXX ( {$9000.00} ) and Equifax ( {$9100.00} ). 
Legal References : Under the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681i ( a ) : Credit reporting agencies must conduct a reinvestigation of disputed information to determine its accuracy.

15 USC 1681e ( b ) : CRAs must ensure maximum accuracy in the preparation of consumer reports.

15 USC 1666 ( b ) : Mandates timely and accurate billing practices. 
The discrepancies in my report are a violation of the above statutes, as the late payments are unsupported by evidence and the reporting is inconsistent. 
Request for Action : Correct the payment history for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to reflect an " OK '' status across all bureaus. 
Provide a detailed description of the investigation process per 15 USC 1681i ( a ) ( 7 ), including the method and evidence used to verify the reported late payments.

If unable to verify the accuracy of the late payments, update the account status to Paid As Agreed Never Late and provide written confirmation of the correction. 
Under the FCRA, you are required to complete your investigation within 30 days of receiving this dispute and provide a written response. If no action is taken or the information remains inaccurate, I will escalate the matter with the Consumer Financial Protection Bureau ( CFPB ) for further review. 
I appreciate your immediate attention to this matter and look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Debt collection

There is no way I owe XXXX XXXX XXXX I did pay for my final bill, This is inaccurate and false please help
Product: Debt collection

I hope this letter finds you well. I am writing to dispute a late payment entry appearing on my credit report. Upon reviewing my credit report, I noticed an entry for a late payment on XXXX XXXX XXXX XXXX for the month of XX/XX/2023. I believe this entry is inaccurate and request that it be investigated and corrected accordingly.
Product: Credit reporting or other personal consumer reports

no communication from this company reported late and chargoff on my transunion and XXXX credit report sent a certified letter asking for debt validation with no response
Product: Credit reporting, credit repair services, or other personal consumer reports

I was using XXXXXXXX XXXX for long time and all these period I was on Auto Pay, so I dont bother about payments every month. During last XXXX period, without my knowledge, Auto Pay is removed from my account. Due to this I missed a full payment on XX/XX/XXXX th but on the same billing period I was having a return payment of {$41.00} on XX/XX/XXXX which will offset the minimum payment of {$35.00} for the period XXXX XX/XX/XXXX to XX/XX/XXXX XXXX whose payment due date as per statement is XX/XX/XXXX. After that I missed one payment on XX/XX/XXXX. But I paid the full amount on XX/XX/XXXX as per the statement dated between XX/XX/XXXX to XX/XX/XXXX. This missed payment was reported and my credit score went down from XXXX to XXXX. I think this auto payment is accidentally removed by XXXXXXXX XXXX while doing changes on their online system as I can see a total different look and style between the statements printed from the site before and after XXXX, Also when I check online its missing a XXXX statement. When checked with them about the missing statement, they said its because I have XXXX balance that time. But I have several other statements with XXXX balance. Its very clear that some technical glitch from the company side caused these problem and discover is not ready to accept or admit their fault. I spend hours with them to resolve this issue with no result. The customer care personal who talk to me is coming up with many childish reasons and she said on XX/XX/XXXX I switched my linked Bank account and there was a problem with that switching and so on XX/XX/XXXX my auto pay is cancelled.I dont understand how they took my payment for 9 months even after they claim that there is a problem in linking my account. I need you help to resolve this issue and bring it to light. I am sure that this is not the only case. People always ignore these as they dont have time to go behind this. I may also ignore this, bu I am refinancing my house due to financial difficulty, and every penny counts as we are having difficulty in work due to the covid situation. I have all the statement and docs to prove my claim.
Product: Credit reporting or other personal consumer reports

have contacted Tranunion over a year now to remove this suppression. This has caused great havoc in my life. Hello I dealt with several agents for months and you all unlawfully have my credit report suppressed. I'm filling a complaint to Consumer Financial Protection Bureau. If you all font fix this issue ASAP. I'm filling a complaint to that CFPB Fair Credit Reporting Act Tags : Consumer Protection Privacy and Security Credit Reporting Mission Consumer Protection Law 15 U.S.C. 1681-1681x Links XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX KB ) The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. I'm going to ever social media outlets to make reports Trans Union lack of action to resolve this issue with my file in a timely matter ( Transunion refused to insureds my file ) is a violation of the fair credit reported act. If I lose my offer my house due to bring held up. I will take transunion to count and notify every social media outlet. Starting today. I'm in consultation with consumers media lawyer right now. File XXXX I asked this be done no action has been taken I sent in proof from XX/XX/XXXX to Currently date XX/XX/XXXX This is a on going issue I and speaking with lawyers and I am preparing to sue and bring awareness online media outlets the news to address this is a public setting. I sent the company all the information and the still refuses to lift the suppression
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX 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. 


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

On XX/XX/2022 I sent off letter certified mail Tracking # 's XXXX & XXXX I told them to investigate because my rights were being violated. 

The Credit Bureaus 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 XXXXXXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal. They have violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit reports as well. Below is the list of laws that have been violated.

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 1681 section 602 A. States I have the right to privacy.

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, credit repair services, or other personal consumer reports

XXXX is listing loans not taken out with them, showing incorrect balances. All loans were with XXXX XXXX, which split to XXXX in 2014 ; however both XXXX XXXX and XXXX list the same loans, therefore each loan listed twice on credit report, once as XXXX XXXX and once as XXXX. One loan listed twice which makes loan balances seen twice the balance. All loans on credit report were paid by government insurance and should show no balances at all. XXXX updated credit report monthly with balances still showing. Most debt is past the statute of limitations on originating debt. XXXX is ruining my credit by showing high balances that do not exist and listing each account twice to seem as twice the debt.
Product: Money transfers

Dear Sir or Madam. 

Would need your help on the following. 

PayPal limited my account permanently due to high number of claims with sellers. All credit cards stored under my PayPal account can not be removed according to PayPal rules. PayPal does not allow to use these credit cards in any transactions processed by PayPal done with or without logging into PayPal account. PayPal is still the only one processing engine for eBay. This limits my purchases on eBay because I can not use any of my cards with or without PayPal account. I asked PayPal customer service to remove my cards. The response I had is : " Thank you for contacting PayPal. While your account is limited you would not be able to remove your financial information. It is my pleasure to assist you. Thank you for choosing PayPal. Sincerely, XXXX. Protection Services Department PayPal '' PayPal limited my ability to make purchases on eBay by not allowing me to remove my credit card information. Is this legal? 

Please help. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX, and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXX  XXXX Balance : {$30000.00}
Product: Credit card or prepaid card

I inadvertently scheduled XXXX full balance payments, XXXX for XX/XX/XXXX, and another for XX/XX/2023 to Bank of America credit card. This resulted in a negative balance on my credit card. Then I received an email from BOA on XX/XX/XXXX to ask if Id made a mistake and to call if I had, I called the number emailed to me. This was the first of XXXX phone calls over the course of the next week. 
XXXX payment was given back to my checking account however BOA also added/applied this ACH refund back to my credit card balance as well. I called my bank, XXXX XXXX Bank, XXXX, and asked if XXXX of my payments went through. They confirmed XXXX payment of {$1400.00} was paid and therefore resulted in an XXXX  charge against my checking. My bank forgave this charge and also confirmed that a transfer of {$1400.00} was made and deducted from my account. Bank of America says it was returned unpaid. I went to my bank and they supplied me with a letter of Checks paid against insufficient funds along with my checking account statement that does indeed show that XXXX of my payments was taken from my checking account and paid. 
I have spoken with many customer service representatives from BOA to ask the to see that my account has XXXX payments but also XXXX charges for {$1400.00}, showing no payment at all. They tell me it was returned unpaid. 
I have documentation of both the deducted payment from my checking and from my BOA credit card showing no reduction in my balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE RECENTLY OBTAIN A COPY OF MY CREDIT REPORT AND NOTICE THESE FRADULENT ACCOUNT ON MY CREDIT PROFILE. I TRIED CORRECTING THE ISSUE WITH CREDIT AGENCIES AND HAVE BEEN UNSUCCESSFUL.
Product: Money transfer, virtual currency, or money service

Someone hacked my account on XX/XX/2021 and sent {$600.00} to different people ( XXXX XXXX {$200.00}, XXXX XXXX XXXX {$200.00}, and XXXX XXXX {$200.00} ) on CashApp. Other withdrawals were attempted but blocked by my bank. CashApp and my bank XXXX  would not reverse the transactions and return the money that was stolen from my bank account via CashApp. They said it was initiated from my device but hackers are spoofing devices to steal money. I advised them of this and I did not initiate these transfers. My bank XXXX  says CashApp will not reverse the transactions and they cant do anything about it. I tried to continue to contact CashApp and they refuse to speak to me about the money that was stolen from my account. 
XXXX : XXXX Cash App Ghosting Response : Subject : RE : Canceling a Payment [ ref : XXXX : ref ] Hi there, While Id be happy to help you with any other issue, Im unable to provide further information for this particular case. 

For questions or concerns outside of this case, please reply back to me here. 

Thanks, Cash Support
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX account XXXX has violated my rights.

15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
Creditor Information XXXX XXXX A XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Balance {$92.00} Highest Balance {$92.00} Opened XX/XX/2020 ( 2 yrs, 1 mo ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Medical Original Creditor Name XXXX XXXX XXXX Closed No Info
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX -- {$1100.00}
Product: Vehicle loan or lease

XXXX XXXX Kia opened 2 car loans under my name instead of 1. I have called multiple times to Kia Finance and Kia XXXX XXXX to close the loan that I don't have ASAP and they haven't call me back or fix the issue. This is hindering my credit by having late payments for a loan that I should not have and they opened without my consent.
Product: Credit card

My husband, XXXX XXXX, last 4 of SS XXXX, DOB XX/XX/XXXX passed away on XX/XX/XXXX. There is no estate as he had no assets and his income came from SS and VA XXXX which stops at death. 
He had a credit card at USAA on which I was an authorized user only. The card has about XXXX on it and now appears on my credit report. 

As an authorized user only, I am not responsible for this debt and want it removed from my credit report immediately. 
I did not try calling them as it is difficult to deal with them without getting transferred all over. 
Thank you, XXXX XXXX