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

XX/XX/XXXX bill was paid in XXXX, 29 days, 1 day before 30 day late period. 
AMX added a {$40.00} late fee to the same period making the account past due 30 days late. 

I argued fee should have gone to the next statement, which is the cause off the delinquency. Having been on time with the same company for 28 years since XXXX, On XX/XX/XXXX the deliquency was removed correcting their error.

Than on XX/XX/XXXX they reinstated the 30 day late delinquency for no reason. 
Now I have a credit file that is ruined with up and down scores between XX/XX/XXXX and XX/XX/XXXX replicating an irresponsible debtor which is farther from the truth. 

American Express has single handedly ruined my credit-worthiness over {$40.00} by fraudently reporting late after it was corrected.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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 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: Checking or savings account

a high to low withdrawal of funds so they can charge me insufficient fund fees
Product: Vehicle loan or lease

I have pay on time, the financial institutions delay the withdraw from my bank account and reported as late payment on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF EDUCATION/NELN 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 twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau.
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. 

Account Name : XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXXXXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX : # XXXX, Account Name : 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 or prepaid card

Chase bank one day closed all 3 of my personal credit cards. All of them have always been paid on time, I was never late for any payments, 99 % of the time the full balance was paid off. I regularly spent about {$10000.00} a month all cards together. During the pandemic, XXXX to XXXX, I had to pay some of my business bills through my personal credit card as I had limited credit and needed more cashflow runway. So my spending increased to about XXXX a month, but I still paid it off every month. 

One day on XX/XX/XXXX, I wake up to find by logging into my online banking that all 3 of my Credit Card accounts were closed, Chase Freedom Unlimited, Chase Freedom, and Chase Sapphire. 

No notice, no phone call, no letter. 

I called Chase. They told me that my accounts were closed and they can not tell me the reason why, and its irreversible. They told me a letter would be coming and to expect it, I asked them if it would explain anything. They said it probably wouldn't. I received it about a week later, and they are correct, it explained absolutely nothing. I've spoken to multiple representatives and my chase private client banker, and none of them were even able to tell me a reason as to why this would be and indicated that I would not be able to apply for Chase Credit Cards again, though it seems like that information they had on their computer was so very limited they weren't even sure themselves, or if I could open a business credit card in the future. So it seems that they've permanently ended my credit card relationship with them. This has affected my credit score and report, as they were the primary CC cards I used. 

I have multiple corporation and business accounts with them for XXXX XXXX. All combined we had a gross income of XXXX XXXX pre-covid, and after the pandemic started we dropped down to XXXX XXXX gross income. I will continue to keep trying to get my credit cards and my relationship back for the next couple of weeks. If nothing works out. I'm will be moving all 12 accounts out of Chase. 

Chase did not even disclose to me why they closed my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA is reporting incorrectly to XXXX  ; XXXX  and XXXX a charge-off on the SANTANDER CONSUMER USA account number XXXX. ( Please see page attached from my credit report. ) Santander misappropriated a payment that caused the late unnecessarily. By not correctly applying my payment, this error has started a chain of events that is seriously harming my credit score. This account is currently reporting as a charge-off. I have the vehicle and I make the payments on time. This account needs to be updated to report accurate information and/or deleted. I have contacted Santander as well as the ( 3 ) credit bureaus to resolve this incorrect reporting however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XX/XX/XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my reports ever month. This month my Transunion report dropped me from a score  XXXX  to  XXXX . All the factors such as debt used, payment history, new inquiries, etc. were the same as last month. I spent over an hour on the phone with several people at the agency but got nowhere. The say they have different information and score but wo n't tell me any of it unless I subscribe to a {$9.00} monthly service. They can not tell me why they dropped my score by  XXXX  points and my factors changed this month or which ones did. Bu contrast  XXXX  has the same info and a score for the last year and still this month of  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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
Product: Debt collection

My family received a call from someone for me call them or legal action would be taken. I called back and spoke to a rep who did provide details of a payday loan that was closed in 2006. I stated I wanted a written notice of the debt and collection. He said I could only have one emailed or faxed to me. I asked to speak to his manager and he refused. I asked to have my family 's contact information taken off record and he refused. I did request my full credit report from all three reports and none of them have this debt as open or in collections. This debt was reported paid. This company is frauduelently contacting me for payment on a debt which is no longer owed. They have threatened legal action against me and used harrassment tactics.
Product: Credit reporting or other personal consumer reports

By the Fair Credit Reporting Act, the list of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The inquiries below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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. Delete the inquiries below : Creditor Name : XXXX Date of inquiry : XX/XX/2023. Experian. 
Creditor Name : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2023. Experian. 
Creditor Name : XXXX XXXX XXXX, XXXX of inquiry : XX/XX/2023. Experian. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX of inquiry : XX/XX/2023. Experian. 
Creditor Name : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2023. Experian. 
XXXX XXXX : XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/2023. Experian. 
Creditor Name : XXXX XXXX XXXX, XXXX of inquiry : XX/XX/2023. Experian. 
XXXX XXXX : XXXX XXXX XXXX  XXXX of inquiry : XX/XX/2023. Experian. 
Creditor Name : XXXX XXXX XXXX XXXXate of inquiry : XX/XX/2023. Experian. 
Creditor Name : XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/2023. Experian Creditor Name XXXX XXXX XXXX XXXX XXXX XXXXate of inquiry : XX/XX/2023. Experian.
Product: Debt collection

Received collection letter XX/XX/2023 from National Credit System ( NCS ) concerning XXXX XXXX XXXX ( XXXX ). That was the very first time I had heard of debt owed. Sent a letter to NCS XX/XX/2023 requesting proof of debt owed to collection agency at address listed on credit report and the letter came back undeliverable.
Product: Credit card or prepaid card

In XXXX of 2022, I placed an order from a wine merchant in Florida using my mastercard, a credit card issued by Barclays for the amount of {$320.00}. Merchant used XXXX as the shipper for the wine using a XXXX  tracking number. Before the order arrived, I've contacted the merchant and told them that I will cancel my order. They accepted my decision and approved the return. The merchant contacted XXXX  generating a second tracking number for the wine that was being returned to its origination, XXXX, Florida. The merchandise arrived on XX/XX/2022 by XXXX in XXXX, Florida. The merchant never applied the due credit in the amount of {$320.00}. 

I then disputed the {$320.00} with the bank explaining to them the history of this merchandise. My case never received the attention it needed to properly resolve the issues and Barclays dropped the case saying that they could not resolve my situation with the merchant.
Product: Credit reporting

I filed a dispute on XXXX XXXX, 2016 and have not received documentation of resolution and the online dispute center is still showing pending.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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

I leased XXXX XXXX XXXX from XXXX. THE LEASE was a 3-year lease. Date of the lease was XXXX OF XXXX. I made All of my payments on time. At the end of the lease, I was considering turning in the lease in XX/XX/XXXX. I spoke with XXXX XXXX XXXX and they told me that I could keep the vehicle until XXXX of XXXX. I elected to turn in the vehicle in XXXX of XXXX. I received a letter from XXXX XXXX XXXX THAT I OWED {$1600.00}. WE converse about the amount and could not reach an agreement. I contacted my attorney and we wrote a detailed letter about the money they claim owed. NO RESPOND IN WRITING FROM XXXX ABOUT ANY MONEY OWED. I checked my EXPERIAN credit report and found inaccurate and derogatory marks on my credit report. I sent EXPERIAN a letter concerning my credit report. Experian sent me a copy my credit report showing I was late in XX/XX/XXXX and XX/XX/XXXX. XXXX show the letters CO. THOSE LETTERS MEAN CHARGE OFF. FROM XX/XX/XXXX TO XX/XX/XXXX SHOWS THESE LETTERS ON MY EXPERIAN CREDIT REPORT.
Product: Debt collection

Municipal Services Bureau has continued to call my line of business over the last several months for a debt that I do not owe. 

I have repeatedly asked to be removed from their call lists. The agents say that every call should have a reference # for the debt collection case, but none of the calls I receive state a reference #. The agents also say that they can not ensure that I'll be removed from their call lists without me providing a reference number, even though they have never provided me a reference number. The most recent agents I spoke to were XXXX and her supervisor XXXX. 

Municipal Services Bureau calls me from XXXX and in the calls or voicemails they tell me to call them back at XXXX CFPB, please help this inept organization ( Municipal Services Bureau ) stop calling me.
Product: Credit reporting or other personal consumer reports

Please know the information on my credit report is not correct. I've listed addresses and inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. XXXX 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 an account without my written instructions
Product: Mortgage

Late in XXXX, my mortgage was sold by XXXX to Flagstar Bank. Because of a lack of assistance from Flagstar to my inquiries about the transfer, I elected, on XX/XX/XXXX, to cancel my tax escrow and manage the payment of my local property taxes myself. I submitted the required " waiver '' form and followed up with a document from Flagstar which both my wife and I signed confirming our election. Since the submission of the initial waiver form, I have had essentially no communication as to the status of my submission. Consequently, I have sent emails, a hard copy letter and direct telephone discussions with Flagstar 's customer service. My written inquiries have not been responded to. My contacts with customer service representatives have generated conflicting or erroneous information. Repeatedly, I have been told that Flagstar was waiting for the receipt of my signed documents. As I had USPS Priority mail receipts, they suddenly " found '' the documents in their system. Then I was told that my waiver request had been approved and I was now responsible for paying the XX/XX/XXXX XXXX County property tax installment. I agreed and prepared to send in the payment of {$2000.00}. Now I have received a " text '' that Flagstar has paid the installment. I have repeatedly requested that Flagstar return my escrow funds, amounting to approximately {$2600.00} before the so-called payment. Nothing has happened. Then I asked Flagstar to adjust my payment to remove the escrow portion so that I can make a timely XX/XX/XXXX payment. To date nothing has happened. I have asked and been promised that someone would return my calls and give me a status. No one has called. Flagstar uses a customer phone tree that is essentially an automated barrier, forcing callers to constantly make useless selections and listen to recorded responses rather than speak to a live person. Then, if I get through to a live person, they have wrong, conflicting information. So, as of today, I have no clear, consistent idea of the status of my escrow account. I also have an XXXX payment due that is incorrect due to the continued inclusion of the escrow. Given the fact that my wife and I are retired, dealing with the intense stress of the COVID situation, the callous indifference of Flagstar is unhelpful and unnecessary. I am asking for the intervention of your agency to resolve this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because Equifax continues to break the FCRA. Obviously, this company feels they are above the law. After several dispute results saying the Chapter XXXX bankruptcy was " verified '' by XXXX - which is a flat out lie. So either they have not done an investigation or they just lie and send out form letters. I have enclosed a letter and proof from XXXX no bankruptcy is being reported in XXXX ; yet, Equifax continues to claim they are verifying the information through XXXX. Additionally, I also enclosed a letter from the court which states they have not provided any information to " any '' credit reporting agency. I would also like to report that XXXX  and XXXX  deleted the bankruptcy from my credit report, so how is Equifax verifying this public record? The FCRA states third parties can not be used to verify anything and all data provided must come from the furnisher of the information.
Product: Credit card

My credit card payment with Capital One is due on the XXXX of each month. While having this card, I 've paid it off XXXX and I 've made all payments before the due date. This month ( XXXX ) I called the credit card company and made the payment from my checking account with a representative. I was informed that my payment was late because of their XXXX cut-off time to receive payments. My problem with this matter is the fact that the credit card company received the funds from my account on the XXXX, they will not post it until the XXXX or XXXX before XXXX. How is it legal for a company to receive the funds for an account and withhold posting to that account?
Product: Credit reporting or other personal consumer reports

When checking my credit scores I discovered an unauthorized hard credit check from my credit card issuer, Capital One, made on XXXX XXXX and reported by XXXX on XXXX XXXX. I contacted the card issuer to dispute or for an explanation and was told they couldn't help me. I contacted XXXX online but it said it couldn't be disputed online, and when I called their customer help number I was routed to a voice mail system that said I should seek assistance online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed late payments that are showing on my credit report for my auto. I noticed this back in XXXX and started reaching out to the bureaus and the company I have my car with. I asked the main bureaus to investigate this and update my payment as it should be. I receive a letter that the information was accurate, and they would not be investigated because they think their information is accurate. What I ask them for was the payment history to show that I was late because this is clearly a mistake on their part and it's causing my credit score to be low and me being denied for a home loan I've applied for. I was never informed of any late payments. That means that I would have a late fee and I was not aware of that. I would like this to be corrected ASAP.