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

RE : Violation of U.S. Code Law ( TILA 15 U.S. Code 1666 ( b ) - Billing Error ) Upon reviewing my credit report, I noticed multiple billing errors that clearly violate 15 U.S. Code 1666 ( b ) : To Whom It May Concern, ( 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 unless they have adopted reasonable procedures to ensure each periodic statement, including the information required by section 1637 ( b ), is mailed or delivered to the consumer not later than 21 days before the payment due date. ( 4 ) Failure to Reflect Payment : The creditor failed to properly reflect a payment or a credit issued to me. ( 5 ) Computation Error : There is a computation error or similar accounting error on the creditors statement. Since the creditor did not notify me 21 days before the payment due date, there should be no late payments on this account. I demand solid proof from the creditors bank account showing that I did not pay and was marked latethis is a billing error. The items below must be updated to " paid as agreed '' on my consumer report XXXX XXXX XXXX XXXX XXXXXXXX This account is PAID on time and PAID as agreed! This is a violation of 15 U.S. CODE 1666B. It was never too late, so delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( 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 written instructions of the consumer to whom it relates. Again, remove this 30-day incorrect late remark and update it to " paid as agreed, '' or DELETE it entirely from my report. 

XXXX XXXX XXXX XXXXXXXX This account is PAID on time and PAID as agreed! This is a violation of 15 U.S. CODE 1666B. It was never too late, so delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( 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 written instructions of the consumer to whom it relates. Again, remove this 30-day incorrect late remark and update it to " paid as agreed, '' or DELETE it entirely from my report. 

XXXX XXXX - XXXX I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. 

XXXX XXXX XXXXXXXX I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately.
Product: Credit reporting or other personal consumer reports

The list of accounts below have 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 XXXXXXXX. I checked my # Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681e ( b ). Treatment of inaccurate or unverifiable information in general, after any reinvestigation of any 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. 15 USC 1681 ( s ) states they not supposed to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the account is inaccurate. I request that these accounts be removed from my credit report.
Product: Credit card or prepaid card

Payments have been made and cleared on my XXXX card, issued by XXXX XXXX XXXX XXXX, available credit does not reflect these payments. My credit limit is XXXX, balance is XXXX currently with these payments in amounts of XXXX and XXXX, last two payments posted. My available credit shows zero
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal information, credit card accounts, evictions, auto loans, false student loans opened and collections from, Innacurate and incomplete addresses on my credit report are, XXXX XXXX, XXXX LA XXXX, XXXX TX XXXX, XXXX TX XXXX, XXXX XXXX, XXXX LA XXXX, XXXX LA XXXX, XXXX XXXX, XXXX TX XXXX, XXXX TX XXXX, XXXX LA XXXX, XXXX LA XXXX, XXXX TX XXXX, XXXX TX XXXX, XXXX TX XXXX, XXXX XXXX TX XXXX, XXXX XXXX TX XXXX, XXXX LA XXXX, and the fruadelent innacurate accounts are, XXXX - XXXX, XXXX XXXX - XXXX opened between the years of XXXX THROUGH XXXX including credit card account XXXX - XXXX XX/XX/XXXX, collection accounts XXXX - XXXX, XX/XX/XXXX, and XXXX XXXX XXXX - XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX - XXXX XX/XX/XXXX, XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX, XXXX- XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX, Some of them have multiple under the same name. Some also have missed information that isn't showing the same on all 3 credit bureaus. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX, XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my 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 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 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 Acct # XXXX, XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct 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 an 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

On XX/XX/XXXX, I placed an order with XXXX with a CapitalOne Savor One card via a promotion in the CapitalOne portal that offered 3 % cashback for purchases instead of the regular 1 %. 

The terms of the purchase required me to use the link provided by CapitalOne 's website to make the purchase, which I did. Despite doing as was required, the cash back never properly registered. 

I attempted to reach out to CapitalOne, but their phone wait times were so long the system could not give me an estimate. I could not ultimately get in contact with them in any reasonable amount of time. 

However, this appears to be a common problem and their customer service seems to refuse to help XXXX XXXX XXXX XXXXXXXX. It was suggested to instead handle this through the CFPB.
Product: Debt collection

I have been a victim of identity theft for a couple years now and my wallet was stolen with my social security card and Id and credit cards. Someone has opened up a fraudulent items in my name and does not belong to me. It is now reporting to my credit and it is fraudulent. The following account : LVNV FUNDING -Original creditor : XXXX XXXX XXXX XXXX  ( Account XXXX : XXXX ), Date Opened : XX/XX/year>, Balance : {$1000.00}. CEASE the reporting of all fraudulent items immediately. I am not liable for this debt with XXXX XXXX XXXX XXXX. and I do not have any contract with LVNV FUNDING LLC. I have attached a copy of my ID and a copy of my FTC report. ( Please see attachments ).
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 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a, payment on a credit card account under any, open end consumer credit plan as late for any purpose.
Product: Student loan

I have called on the below loans for the past 5 years and was told every time all my loans through Navient are consolidated and I could do nothing about lowering the interest rates. In addition, I have 2 direct loans ( one subsidized and one non ) I was told are able to be consolidated. My only option given was to keep the interest as is and get on a graduated payment plan thus paying way move over the past 5 years than I should have due to incorrect information. Navient reps have always been unequipped to efficiently handle my financial need and this has prove to cost my thousands of dollars in interest. Just look at how long I have been paying on the below loans. 



XXXX XXXX XXXX XXXX XXXX UNIVERSITY Loan Status Repayment Estimated Payoff Date XX/XX/XXXX {$4800.00} 8.125 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX UNIVERSITY Loan Status Repayment Estimated Payoff Date XX/XX/XXXX {$7000.00} 9.125 % XX/XX/XXXX
Product: Vehicle loan or lease

I paid off my car loan XX/XX/2020. In XXXX of 2020 I called to ask where my title was. They said it was an electronic title and I had to contact the DMV. I contacted the DMV and they said it was with PNC bank still. I called PNC bank again in XXXX and they said they sent me a payoff letter. I explained that I never received the letter and they needed to resend it. I received the letter later that month stating I was paid in full and the title woudl be released. I assumed I was all set until I went to sell my car yesterday and was unable to since the still held a lien on the title. Numerous calls and hours on hold with PNC has still not resolved this issue. I need them to release this title asap and they are unwilling to do that. As of today I can not get any firm commitment that I will ever get my Title.
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 right 15 USC 1681 section 602 states that I have the right of privacy 15 USC 1681 section 604 A section 2 : It also states as a consumer reporting agent can not furnish a account without my written consent instructions 15 USC 1666B : A creditor may not treat payment on a credit card account under an open, and a consumer credit plan as late for a purpose.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 I reached out to bank of america to ask how much the exchange rate would be if our family sent a large international wire transfer from XXXX to the US ( in Euros to be converted to dollars ).  Bank of America said they do not disclose the exchange rates until the transfer has occurred. This is a way of obscuring the price of a potentially large cost. It would be the same as giving someone a mortgage rate after they agree to the mortgage.
Product: Credit reporting or other personal consumer reports

. I have been in disputes with Nelnet and XXXX Credit Bureau since XX/XX/2023. Nelnet is still reporting that I owe them for student loans when in fact my accounts were transferred to XXXX. XXXX has disregarded my request to investigate this issue. My credit report is currently stating I owe the exact amounts to both, Nelnet XXXX XXXX, for student loans. Ive contacted Nelnet numerous times and they claim they would update the information. Nelnet has acknowledged that I do not owe them any funds as my accounts was transferred to XXXX. My credit has been drastically affected from this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an ongoing problem with our mortgage company XXXX ( XXXX XXXX which has been going on since XXXX. I had filed a XXXX XXXXXXXX in XXXX of XXXX which ended in XXXX XXXX. At the end of my XXXX XXXX XXXX / XXXX had merged and informed my attorney I needed to pay them another XXXX. Or my XXXX XXXXXXXX would not be closed. I had taken money from my tsp and paid the amount they stated I needed to pay to finalize my XXXX XXXXXXXX. 
Since my XXXX XXXXXXXX has ended they have reported to the credit reporting agencies that I have been late/ behind on my mortgage with them for the past 4 years. 
They had applied my monies to my escrow account instead of mtg. I have called them numerous times about this over these years trying to get this resolved with no success. I send my payment every month certified so I know when they receive my payment and they are not late. They have falsely reported this to the the credit agencies therefore affecting my credit. I have an ARM mtg which they have now moved up to XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit score has dropped significantly due to multiple fraudulent accounts appearing on my report. These accounts were opened without my authorization, and they are severely impacting my credit standing.
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 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX in charges occur on this shell.XXXX in or around XXXX XXXX XXXX it is not mine and theft is best i can guess but i did not charge them Fraud was called in XX/XX/XXXX and i call to follow up XX/XX/XXXX Asked to put claim XXXX and take my card from credit agency as adverse accounts This as best to my knowledge the truth as well i'm in a protected class SSA XX/XX/XXXX back dated # XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

30 Day late payment reported to the XXXX, Transition and XXXX. I have never been 30 days late on a payment to this company The company solicited me for a payment extension through repeated telephone calls between XX/XX/XXXX and XX/XX/XXXX. I am a native Floridian  and was affected by the XX/XX/XXXX Hurricane in XXXX Florida. I eventually spoke with a XXXX XXXX XXXX Representative and they place a payment extension on my credit report. I was later reported to the credit bureau. I was told by a representative, it was for a late fee. I have kept a copy of all my credit report back to XX/XX/XXXX and at no time on any car loan have I been reported to the bureau for a late fee. I purchased this car at XXXX XXXX in XX/XX/XXXX. I never received any correspondence from XXXX XXXX XXXX until the latter Part of  XX/XX/XXXX despite repeated calls to this as to my due date and actual car loan amount. My payments are due on the XXXX of each month. I have always paid my payments prior to 30 days. The Representative acknowledge this information and told me, they would not report me for payments prior to being 30 days late and the late fee was reported for the 30 days late in XX/XX/XXXX when the extension was applied. I asked, " if its for XX/XX/XXXX, why was I reported for XX/XX/XXXX? '' He stated I would need to write XXXX XXXX XXXX to request the removal. I wrote XXXX XXXX XXXX as well as each credit bureau to no avail. Just before this reporting, I had two car loans from a XX/XX/XXXX Chapter XXXX Bankruptcy and XX/XX/XXXX XXXX XXXX bankruptcy that was removed from my credit report in XX/XX/XXXX. Since challenging these items, I've notice consistent removal of items that have been on my report over ten years. The removal causes my score to improve and within a few days of this score improvement, a new re-aged item appears on my report from medical collections, auto loans that were previously removed that were included in the bankruptcy. I have sent disputes multiple times XXXX, XXXX  and Transunion, this time around, I received an email their investigation will need more time, I assume because I attached each of the credit reports I've received from them dating back to XX/XX/XXXX, including disputes that they mailed me in the past letting me know when these accounts were and will be removed from my reports. I also sent them prove of my XXXX XXXX XXXX Payment History since day one where i've never been thirty days late, ever. They are still investigating the late pay for the fourth time, including the XXXX XXXX car loan that was deleted with my Chapter XXXX Bankruptcy XX/XX/XXXX with XXXX. All the while my credit score continues to suffer from their non compliance of the fair credit reporting act.
Product: Mortgage

Every month I call and talk to a live person at Bank of America Home loans to process my monthly payment from a Bank of America Checking account. Since I took out this loan, I have always over paid every month. Recently, my overpayment is not applied the same date as my regular payment.amount.
Product: Checking or savings account

On XX/XX/2021 I went out to dinner with my family when the bill came and cost {$340.00} I use my current debit card to pick up the check I then added a {$75.00} tip on top of that so the total would be {$410.00} I noticed that very evening that the {$340.00} was debited from my account but it said pending which is not unusual because a lot of times when you use your debit card except doesn't post until a few days later well a few days later I got debited another {$410.00} making the meal that should have cost me that really cost me almost {$750.00} when I notify the current they said because the three XXXX was still pending we had to wait for it to post so in the meantime I contacted the restaurant they were very good to me they contacted their merchant company they got right back to me they said XXXX we were paid only one time and we were paid {$410.00}, they also said the {$340.00} that was pending is a hold that is usually released within 24 to 48 hours and I'll XXXX XXXX did release it back to current current has to release it into your account so I contacted current back with that information and they said well considering that it's still pending there's nothing we can do what we can do is wait 10 to XXXX15 business days if it's still pending then we could do something about it well and at that time. I had another very very major problem with current that you guys are handling for me that I have another complaint in and so I have absolutely no trust with them whatsoever and just today I spoke to you guys on the phone and XXXX informed me that I should definitely make another complaint so I am going to enclose screenshots of the {$340.00} that is still pending by the way over a month later from XX/XX/XXXX the receipt says and then on XX/XX/XXXX the second receipt says the {$410.00} I'm also going to enclose my XXXX and XXXX bank statement because in my bank statement it says that the {$340.00} was debited on XX/XX/XXXX even though the receipt says XX/XX/XXXX and XXXX at {$18.00} wasn't debited until XX/XX/XXXX with XX/XX/XXXX even though the receipt says XX/XX/XXXX XXXX