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

I recently received a copy of my credit reports, and I noticed a late payment posted by XXXX XXXX XXXX for XX/XX/XXXX, XX/XX/XXXX & amp ; XX/XX/XXXX last updated on XX/XX/XXXX. This company reports a 30 day late without my consent. 

XXXX XXXX XXXX Acct # - XXXX Your company is in clear violation of the law, Under 15 U.S. Code 1681b Permissible purpose of consumer reports.

THE LAW CLEARLY STATES!

( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I ever give you written instructions to furnish this account on my report?

Furthermore, the Fair Credit Reporting Act 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payment from my consumer report. This agency is in violation of 15 U.S. Code 1681.

Failure to respond satisfactorily with the deletion of the above referenced account, and a free copy of my updated credit report after changes have been made, will result in legal actions being taken against said company. For which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616. Civil Liability for willful noncompliance [ 15 U.S. Code 1681n ]
Product: Checking or savings account

I made a deposit on XX/XX/XXXX. 
I usually get access the next business day. 
This time some of the funds were held. 
While I was making deposit no warning of a hold was indicated. 
When I received my receipt they informed me of the hold. 
I could not get the checks back from the ATM. 
I checked 2 days later with the makers of the checks and they said the money was out of their account. 
I checked with a teller and he said he or the manager could do nothing. 
I called the only number they give and the person said it was the law that they have to hold the funds. 
I was informed before conversation it was being recorded. Recording should be available. 
Here it is 6 days later and my account is charged {$38.00} overdraft and they are still holding {$5700.00}. 
This is the second time they have done this. 
Last time they held funds 10 days and said confidential source said checks would not clear. Again the checks cleared makers account within 48 hours. 
All deposited funds were local banks.
Product: Debt collection

Hi my name is XXXX XXXX, I have collection of $XXXX    from my old apartment, and they send me mail or latter after putting this money to debt collection ,before that I did not get inform ,when ever I got this amount  of bill I did pay in full of $XXXX. Now im just woundring for how long this collection mark stay in my XXXX XXXX. This is my 1st collection ever I really don't have an idea.   Thanks .
Product: Checking or savings account

Somebody opened a checking acccount with this Bank BMO Harris Bank at. 
XXXX XXXX. XXXX XXXX XXXX XXXX, Illinois XXXX. I never open account with this bank. already call the bank to close the account number isXXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX 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. 

Account Name : 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 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 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 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 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 or other personal consumer reports

On XXXX XXXXXXXX XXXX I disputed XXXX  to be removed from my credit report. 
On XX/XX/year> at approximately XXXX am XXXX, I spoke with XXXX XXXX at Transunion to ask how they obtained this information. XXXX XXXX stated that this information is verified by the Courts. The XXXX XXXX XXXXXXXX does not report XXXX information to the credit bureaus.
Product: Debt collection

Company contacted me multiple times about debt. Offered a settlement, then when I was unable to commit to there amount. I was told my account is being sent to the credit bureaus in a couple of days. This occured on three phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. Item # 1 : I disput
e XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item
that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Due to the recent lawsuit filed against EXPERIAN in XX/XX/XXXX. I insist you conduct an investigation of your reinvestigation as you are required by the FCRA LAW. I insist you do not accept the findings of the furnisher who do not provide thorough results of the investigation. Delete this account. I have provided below the attachment from my dispute stating THE RESULTS of XXXX DISPUTE dated XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXXXXXX. I disputed account paid in full. XXXX verified and deleted this account Experian and XXXX inaccurate reporting has caused me severe harm, damages and unemployment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XXXX and XXXX XXXX XXXX XXXX These accounts are not mine. I am a victim of Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a soft inquire from  XXXX   XXXX . I never had no dealing with   XXXX   XXXX  . Please remove this from my inquires. Hard inquiry from  XXXX . I never had no dealings with  XXXX . Please remove.  XXXX   XXXX   XXXX  has been close d ( Paid and closed ) and should be removed from my report .  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   ( C LOSED ).  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   ( C LOSED )
Product: Credit reporting, credit repair services, or other personal consumer reports

I told them that I am a victim of their inquiry issue and they didnt delete all the credit hard inquiries.
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 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 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 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 card

**This is in relation to my previous complaint XXXX XXXX I had a payment of {$720.00} to be made on XX/XX/XXXX. Because of past issues with Autopay, I re-done autopay and called up the Citi Customer support on XX/XX/XXXX to confirm that the payment is processed though the payee account XXXX XXXX XXXX XXXXXXXX ) was not debited with the amount. The Citi customer support told me that the payment will be posted in 2 days and that there is no action to be taken from my end. However, on XX/XX/XXXX I happened to see that Citi card has added {$41.00} late fee and {$15.00} as interest added to my transactions as the payment was declined. 
I did have enough balance in my XXXX XXXX XXXX account for the payment to go through. I called up XXXX XXXX XXXXXXXX customer support once again trying to understand why the payment was not honored. They said the Citi payment was sent again to incorrect routing number. 
This issue is causing me trouble as I end up paying late fee and interest for no fault of mine. Also, my credit history is being impacted. Appreciate if Citi could investigate the issue and remove the late fee and interest charged on my account Screen print from my Citi credit card account and XXXX XXXX XXXXXXXX account is included for your reference. I have also included an audio clip from XX/XX/XXXX conversation with Citi Credit card associate confirming that the payment was processed. 

Note - Tried to upload the audio clip of my conversation with Citi customer support on XX/XX/XXXX to confirm that the payment that was due on XX/XX/XXXX has gone through successfully. However, the file is of 15 MB size and hence unable to attach it here.
Product: Mortgage

They keep asking for the same documents already provided and waffling between complete and incomplete borrower response package in what feels like an deliberate effort to avoid regulatory deadlines. 
I have been making payments since XXXX 2021 and working to get a answer to the end of a pandemic forbearance.
Product: Prepaid card

Rushcard users like my self have ben waiting on there deposits for over 2weeks. I usually get some of my check from my employer. To cover gas or food during the week. An maybe pay my phone bill. But the card is now inactive an it does n't have my direct deposit on it. Im confused.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have successfully managed my credit with no major reports or late payments, ever, for the 10 years I have had credit. I purchased a new car in XX/XX/XXXX and my new loan provider was M & T. I am aware that my monthly payment of {$380.00} is due by the XXXX  of each month. Since XX/XX/XXXX, I have made payments consistently and on time, the full amount owed, if not more with no issues. On XX/XX/XXXX and XX/XX/XXXX, I had logged into my M & T account where I make my payments and it auto-populates your amount due and has a calendar that you can make a change to the date if needed. My amount when I logged in to make my payment on XX/XX/XXXX and XX/XX/XXXX was {$300.00}. I was making an assumption, which I should have picked up the phone to call, that because I had been making extra payments that it had lowered for that time period. I received a letter to my home towards the end of XXXX telling me that my account was behind {$75.00}. I was confused and immediately called M & T to find out why I was behind. The gentleman had informed me that my XXXX payment of {$370.00} wasn't paid in full. I explained to him that when I was online, it had auto-populated to {$300.00} and that is why I paid that amount. He told me that I should never go by what is auto populated and always make my standard payment of {$370.00} to avoid any issues. After speaking with him, I immediately made the payment of {$75.00} on XX/XX/XXXX. In XXXX and XXXX, the payments I made were {$420.00} on XX/XX/XXXX and {$430.00} on XX/XX/XXXX. I again received a letter that I was behind {$270.00} right before the holidays. I again called and was told that because of making those two {$300.00} dollar payments, that is why I received this notice. I was upset because when I received the first notice in XXXX  I was behind {$75.00}, that was not shared to me and I thought by immediately paying it, I took care of the situation. The lady apologized and said this was what she was seeing so without any more arguments I made the payment of {$220.00} on XX/XX/XXXX. I check my credit regularly and it was then that I saw my credit significantly drop and after investigation, I found that M & T had reported my credit for being 30 days late in XXXX and XXXX, but that is not matching up with any of the information I had been given from M & T. I first attempted to reach out to M & T 's credit department to assist me in the removal of the derogatory mark of a missed payment. It took them all of one day to investigate and called me back saying unless I had proof that the auto-populated amount said {$300.00}, they couldn't help me. I requested that they listen back to my calls to their representatives and they would have heard back in XXXX  when I inquired why I was getting a late notice of {$75.00} that I was saying the same thing. They told me they can not do that nor can they help me. Again, I know my error was in the assumption and I should have called when I saw it say {$300.00}, but I can not go back and screen shot a screen to show proof for the truth in which I am telling.
Product: Debt or credit management

Debt collecting company was asked several time to provide information validating they have the right to collect on this debt they don't own.
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 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: Mortgage

XX/XX/XXXX PLANET HOME LENDING increased my mortgage from {$500.00} to {$1300.00} stating that they had to add insurance. I called and instructed them that my insurance the entire structure is covered by the homeowners association. I submitted the first set of paper XX/XX/XXXX after not getting a response I called and was told I submitted the wrong information. I resubmitted the proper information in XX/XX/XXXX and was also called by one of their agents i told him i am willing to pay my regular XX/XX/XXXX and XX/XX/XXXX payment he told me no it had to be the entire amount due.I called the insurance department on XX/XX/XXXX to see if everything was in order and was told that they received the proper paperwork but was not readable, we did a 3 way call to XXXX direct thats the company for the insurance paperwork and it was faxed again I was told by the agent { XXXX } that everything was good and by Wednesday everything be sent to escrow to complete. I kept calling and each time i called i was told something different until i got an agent named XXXX i told her the story and resubmitted the documation to her this was in XX/XX/XXXX and XX/XX/XXXX i had to submit the previous year insurance and once again i have to wait on escrow this was not finalized until XX/XX/XXXX and now i am being charged an additional {$3000.00} in foreclosure fee. All the information was submitted that was requested there closest office is 4 hours away and each time i call its a different agent answering its an XXXX number. I just think its crazy for their delays. I am now being punished and threatened with loosing my home. Now they are listing my new payments as {$520.00} they are still adding on.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention the inaccuracies in the bankruptcy information reported by XXXX, XXXX, and Equifax. The discrepancies in the information have raised concerns about the verification process and overall accuracy, as detailed below : XXXX : No bankruptcy information reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Closing Date : XX/XX/XXXX Court : XXXX XXXX XXXXXXXX XXXX XXXX 

Equifax : Date of Bankruptcy Report : XX/XX/XXXX Reference : XXXX Closing XXXX : No information provided Court : Federal.

This conflicting information has not been verified and does not align across the credit reporting agencies. I kindly request the immediate deletion of this inaccurate information. For your reference, I have attached proof supporting my claim. 
Despite numerous requests, XXXX and Equifax has failed to provide the following essential information related to the bankruptcy report : XXXX. The name and contact information of the entity that furnished the bankruptcy information. 
2. The method used to verify the accuracy of the bankruptcy information. 
XXXX. Documentation that substantiates the accuracy of the bankruptcy information. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and ensure the deletion of the inaccuracies in my credit report. Your assistance in resolving this issue and upholding the standards of credit reporting is greatly appreciated. 

Sincerely, XXXX XXXX
Product: Credit card

I have XXXX credit cards with Bank America. However, there is XXXX I am having an issue with. I applied for a credit card for my XXXX business that I had been currently in at that time and put my daughter XXXX XXXX as an authorized user on this card approximately in XX/XX/XXXX as XXXX was XXXX of my employees as well. When we got the bill it was in XXXX 's name. I called the company ( Bank America ) and they basically told me there was nothing I could do because it was in XXXX 's name and with me as a co-signer! The bill came to my address in the beginning but was just in XXXX 's name. Suddenly, when XXXX moved to another town, she started getting my bills there at her new address! We could n't figure out why they were doing this! I told XXXX to make sure the bill got to me so I could pay it in time! Well, in XX/XX/XXXX I called the Bank of America and asked them to send me a bill to my new address as I am no longer in XXXX and we have sold our home. They said they could n't do this because it would have to go to XXXX 's address and they stated my home address! I told them that the address they quoted to me was my home address and I had been getting the bill back to my address for quite some time now! Well, they did n't forward the bill to my new address so 6 months later, they call my daughter and are harassing her for payment and she would like to buy a new vehicle and this is on her credit report. How can they do this when XXXX did not even apply for the credit card? We have called the company SEVERAL times asking for a copy of the original application because I know it is MY application!! XXXX NEVER signed anything so her name should not even be as the original applicant. They only send us copies of the billing and not the original application! I have now contacted a lawyer and he has me filing this complaint to hopefully save me from giving him money to handle this credit card company who will not listen to the truth. I hope you can help with this matter so we can get this taken care of! Thank you, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX contacted me today about a debt of XXXX owed to Telecheck and they are representing them to collect that debt ( XX/XX/XXXX ). I said that the check is the result of my lost checkbook last year ( which I already filed three complain with CFPB ). I said I can send them police report, but they refuse to offer me means to do that. They refused to report this to Telecheck and insisted I have to contact Telecheck to myself the issue. They also not tell me their official address and refuse to disclose how they get my personal information.

I also try to file a dispute with Telecheck, but their website do not allow me to submit a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed that a Bankruptcy public record information was placed on my credit file. so I contacted the courts via US mail to verify that they had updated my credit report with this information the clerks response was that the courts DO NOT verify individuals case information and that third party companies also know as furnishers research consumers information and sells it to credit reporting data companies such as XXXX whom then supplies it to XXXX, XXXX, Experian. Also I contacted PACER ( Public Access to Court Electronic Records. The credit Bureaus investigated and stated that the courts verified information. This is not true and it needs to be removed from my credit file I never gave anyone written permission to place any of this information on my credit and according to the FAIR CREDIT ACT statutes and regulations it must be removed immediately from my credit Report