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

Our home was hit by Hurricane XXXX on XX/XX/XXXX. Our zip code, XXXX, was declared a natural disaster area. I contacted my 1st mortgage ( CIT BANK ) to request forbearance. On XX/XX/XXXX, I received a letter from CIT Bank that my partial forebearance was approved ( Attached ) and would receive a contract to sign ( attached ). We signed and returned the contract and made our first partial payment on the date on the contract. I received a Credit Report Alert ( XXXX ) that CIT bank reported my XX/XX/XXXX payment 30 days late. I contacted CIT Bank and reported the error and was told that the contract DID NOT state they were not going to report late and therefore the 30 days past due was accurate and there would be no corrections. I cancelled the forebearance agreement in XX/XX/XXXX and made the additional payments to be current due to the severe impact on my credit score. I submitted a dispute for the late payment with the credit bureau and it came back as verified. My loan was transferred to XXXX as the new servicer on XX/XX/XXXX. I disputed it with XXXX and they will not make any corrections because it was CIT Bank My credit score dropped 40 points because of the 30 days past due on the credit report. Currently I am trying to refinance due to a balloon payment due XX/XX/XXXX and are unable due to a late payment on my mortgage within 12 months. I feel I was tricked by CIT by them not providing all the facts after a Hurricane hit our home. I can not get refinancing to make my balloon payment on my CIT Bank Mortgage.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX - XXXX
Product: Checking or savings account

I could not log into my Citizens online backing on XX/XX/2020 and after many calls to the customer service during the following days, I was finally told by a manager that my account was being scheduled to be closed and my debit card was cancelled. I was offered no explanation and no help. They assigned a local branch for further inquiry. But the local branch manager simply told me he could not do anything. I was able to get help from another branch in a XXXX XXXX XXXX that I frequent. The manager called the back office and told me the account closure was because of account activity. 

I opened my account following an Internet blogs recommendation of Citizens banks {$400.00} signup bonus on XX/XX/2020 which is the last day of the promotion. I just followed what people recommended in the discussion and did one {$600.00} direct deposit and 50 small XXXX purchases, and another {$10.00} XXXX deposit. The {$400.00} signup bonus requires one direct deposit for a {$300.00} bonus and 50 debit transactions for another {$100.00} bonus in 60 days. Apparently it is a difficult task to finish 50 debit transactions in 60 days ( minus a week or more to receive the debit card ) even before the pandemic and most people chose small XXXX purchases to meet the requirement of the 50 debit transactions. Other than that, my account is absolutely clean. Yet most peoples accounts were fine and there was no indication of massive account shutdowns for people who did the large number of small XXXX purchases. But my account was shutdown. 

When I raised this question to the branch manager, he could not explain it and suggest that the bank may choose a small sample of accounts to shut down. Then whats the standard to choose an account among all the accounts that had the similar activities to shut down? I have absolutely clean credit history and clean relationship with Citizens bank. They even sent me post card last fall to invite me to open new accounts with signup bonus. If Citizens bank can announce and prove that they equally shut down all the accounts that involved in large number of small XXXX purchases and explain the reason, that could be called a standard. Otherwise, it is a clear discrimination to choose my account to shut down. 

My account has no overdraft protection for the bank to worry about. There was no fraud alert, no declined transactions and no whats so ever during the days I made the small XXXX purchases until two weeks later my account was suddenly locked. There were some people out of Citizens banks servicing states that got applications declined or accounts closed. I hope they made a mistake. Citizens bank does have presence in NJ. They even have an ATM in the XXXX XXXX XXXX a few minutes away from my home until it was taken off not long ago. And my zip code was allowed to open the account online.
Product: Credit reporting or other personal consumer reports

I have disputed this account XXXX XXXX XXXX XXXX with every major credit agency and submitted documents proving that I paid my XXXX XXXX XXXX XXXX credit card account to a XXXX balance on XX/XX/XXXX & this recorded on my XXXX XXXX statement reflect thats and I called XXXX XXXX XXXX XXXX & prove through documents that XXXX XXXX XXXX XXXX is violating FCRA by reporting to the all 3 credit agencies that I owe XXXX XXXX XXXX XXXX XXXX $ write off because its obviously through XXXX XXXX statement and XXXX XXXX statements that I was a victim of identity fraud and unauthorized use of all my credit cards and banks cards. Anybody can get on XXXX and put my name and date of birth of birth and see that I was held at the XXXX XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX and I add XXXX XXXX XXXX does not have Wi-Fi capabilities or tablets in their facilities. Therefore the use on my XXXX XXXX XXXX rewards card that happened after XX/XX/XXXX of XXXX is obviously unauthorized use also XXXX XXXX and a bank extra money every month for credit protection, they have investigate for over 60 days I feel like it is open and shut case I called it directly through XXXX  XXXX I recently sent documents in the mail with their investigations at my account that one is still violating the FCRA And I request through section 611 how did they come up with their information to say that they write off {$110.00} credit report request section 608. 
This is ridiculous investigation has went on this long and XXXX XXXX XXXX XXXX is still reporting false information on all three of my major credit reports
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX
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 accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My original mortgage started with XXXX for XXXX back in XXXX. In XXXX, XXXX for XXXX contacted me and told me I would be the first client they would partially move over to Associated Bank for my mortgage. I was informed of my mortgage contract, automatic payments, interest rate, length of mortgage and all would remain the same and my payments at that time would still go to XXXX for XXXX. There was a lot of miscommunication between Associated Bank, XXXX for XXXX and I. I was not properly informed of how the automatic payment process would apply. XXXX XXXX from XXXX for XXXX reached out to me and informed me they would like to fully hand over my account to Associated Bank, and they would not be responsible for my monthly payments. I was informed the only thing I would need to do is email XXXX XXXX with Associated Bank to discuss an automatic payment date. XX/XX/XXXX. It was my first contact with XXXX via XXXX XXXX, and we agreed my payment would come out on the XXXX of every month from XX/XX/XXXX to XXXX. XXXX was responsible for my payments since my automatic payments were still going to XXXX for XXXX. On XX/XX/XXXX, XXXX XXXX and XXXX XXXX from Associated Bank were in communication with XXXX XXXX and XXXX XXXX from XXXX via email that I was XX/XX/XXXX days past due on my mortgage. I was unaware in XX/XX/XXXX there were issues with who was in charge of the automatic payment, and it was switched over to Associated Bank. In XX/XX/XXXX, I was in contact with Associated Bank and informed them they would mail me a form to fill out to allow for automatic payments to be withdrawn, and I manually paid two months ' payments in XXXX, since I was not aware it was passed due. I sent back the form to authorize automatic payments in XX/XX/XXXX. In XX/XX/XXXX, I called to verify my automatic payment was received, and I was sent the incorrect form. So I filled out another form in XX/XX/XXXX to allow automatic payment and paid XX/XX/XXXX payment. Again, there was an error with my automatic payment form, so XX/XX/XXXX did not process correctly, but XX/XX/XXXX was successful. After all this confusion, I was in communication with XXXX to attempt to get the late marks removed from my credit report. XXXX XXXX informed me she could write me a letter explaining the issues XXXX was having during those times. I checked my report and those negative marks are still showing on my report.
Product: Credit card or prepaid card

I have banked with PNC for 4 1/2 years with direct deposit. I just started to work on my credit and got a prepaid credit card from them with a limit of {$500.00}. My first payment was due on XX/XX/19. I paid it through my virtual wallet through a transfer from checking to the credit card and paid {$400.00} ( minimum was {$25.00} ) on said date at XXXX.It said it will post on XX/XX/19 which is 3 days later but I know that I paid it on the date that it was due. The lady at PNC was very helpful and she said she would normally wave the {$25.00} late fee but she cant so she made a call. After the call she said you did everything right but the lady on the phone wont wave the fee because it wasnt a seasoned account. She said I guess next time make sure you pay it several days before its due. In that case no due date should ever be on a Saturday or Sunday or Holiday because banks arent open then I guess lol
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2016 as we were closing on our house our credit was pulled one last time and we found out a account was opened at XXXX XXXX by someone who stole our info while applying for our home loan someone associated with our lender took our info and applied for a XXXX XXXX card. We called XXXX XXXX they researched it the people bought thousands of dollars worth of merchandise they maxed out the account they opened and XXXX XXXX acknowledged it was fraud and not us who opened the acct. We asked the account be closed and not be reported on our credit. We found out the name and social didn't even match to us yet this showed up on our credit report and we have been trying to get it off since XX/XX/2016 with no luck. XXXX XXXX tells us to contact the credit bureau which we have disputed this on our report a few times. The credit bureau says to contact XXXX XXXX to have it removed we have and still it remains on our report.
Product: Prepaid card

Cash and cost me sure be on each way from the ATM and from them so I got double bubble when it's supposed to be free
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge nor did I authorize the following inquiries XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated.

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 del
ivered to the consumer not later than 21 days before the payment due date.

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! 


Update the late payments from my consumer reports
Product: Credit reporting 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 15USC 1681 Account Name Credit Card Account number XXXX Account Name Credit Card Account Number XXXX Account Name Credit Card Account Number XXXX Account Name Credit Card Account Number XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : Its 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: Vehicle loan or lease

TD Auto finance is fully aware of all my issues with the dealership, also sent them documents pertaining to my issue with dealership fraud, to which then dealer continues to carry bon this fraud even forge my signature on some documents in reference to me having two different contract. XXXX XXXX XXXX went as far as having a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to my claim that I have no merit and my complaint should be devoid. 

XXXX XXXX XXXX said that my claim is based on my XXXX XXXX accumulating mechanical issues due to me declining to have the work done, when I bring my XXXX into the dealership for regular service and maintenance check. He also said that I am putting fault on another dealership for my troubles. I sent numerous letters to TD Bank concerning my issues with XXXX XXXX XXXX, I also have another complaint with another XXXX XXXX XXXX XXXX for deceptive conduct. 

And on XX/XX/2024 a repossession third party company came and stole my XXXX XXXX and I do not know who took it I ask them to call the police and the did not want to I have sent TD Auto several demand letters only for them to respond Im I going to make a payment and I clearly stated to them that I was not ok with paying on this loan having all these issues
Product: Credit reporting, credit repair services, or other personal consumer reports

have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or removed immediately my credit report. 
Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX. XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXXXXXX XXXX XXXX Unverified Account XXXX XXXX BANK XXXX Unverified Account XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX Unverified Account
Product: Credit reporting or other personal consumer reports

I noticed my credit report with Bridgecrest was incorrect. They have an incorrect monthly balance since I opened the account showing {$490.00}. It should be {$460.00}. They also have not updated all my payments Ive made with the credit bureau. I told them to do this multiple times XX/XX/2024. Still not done.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian are all reporting Bankruptcies twice on all 3 of my Credit Reports. 

XXXX  is reporting 2 Bankruptcies dated : XX/XX/XXXX and XX/XX/XXXX. 

XXXX is reporting 2 Bankruptcies dated : XX/XX/XXXX and XX/XX/XXXX. 

Experian is reporting 2 Bankruptcies dated : XX/XX/XXXX and XX/XX/XXXX. 

However, I have tried to dispute these inaccuracies with all 3 Credit Reporting Agencie : XXXX, XXXX  and Experian. However, they have yet to MASK these items, from my Credit Reports. 

However, on XX/XX/XXXX after I disputed these inaccuracies with XXXX, XXXX  and Experian. XXXX and XXXX REMOVED the Bankruptcies, from my Credit Report, but then ADDED them right back on my Credit Report the SAME EXACT day! I have also attached proof of this with this complaint. 

I have also contacted the Federal State Bankruptcy Court that responded back to me via signed letter stating, That they do NOT REPORT any Bankruptcies to any of the 3 Credit Reporting agencies. I have attached this letter, from the Federal State Bankruptcy Court to this complaint. 

I am requesting that ALL 3 Credit Reporting Agencies : XXXX, XXXX and Experian IMMEDIATELY REMOVE ALL of these Bankruptcies, from my Credit Reports. Because ALL 3 Credit Reporting Agencies are in violation, of the Fair Credit Reporting Act.
Product: Credit card

I made a purchase through the XXXX website with my XXXX credit card that is issued through Comenity ; Bread financial. The purchase was returned but never actually reflected on my credit card statement. XXXX claims they sent the refund information and Comenity says they did not. This was XX/XX/year>. I waited about five days per XXXX because refunds take a few days. I've been going back and forth with both companies. Comenity says it's on XXXX. XXXX says it's comenity. On XX/XX/XXXX I made XXXX phone calls to each company. Each rep told me something different. I was told the {$79.00} would be refunded and I would be all set. My account is set up for autopay every statement cycle. The {$79.00} was never taken care of. No one filed a claim for me. It wasn't until I called 6 times to each company XX/XX/year> and then a claim was filed. The letter I got after that stated that my claim was denied because I had paid my bill. I got that letter XX/XX/year>. Again I called each company a total of 9 times. The final person at comenity said because I paid my statement balance that meant I took responsibility for the charges. I'm now being required to reopen the dispute and get information from XXXX. XXXX does not understand what information Comenity needs. I have been at this for two months now. Comenity did not do their job. They did not do a full investigation. If they did, they would have gotten the proper information from the merchant ; XXXX. I am owed {$79.00} from Comenity.
Product: Credit reporting, credit repair services, or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX Balance : {$5600.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXX Balance XXXX {$1600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1500.00} XXXX XXXX AV A XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$2900.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Debt collection

A certified letter was mailed to Healthcare Collections on XX/XX/2020. The certified letter XXXX XXXX XXXX XXXX XXXX was received by Healthcare Collections on XX/XX/2020. To date, I still have not received any response from the company or any supporting documentation to prove that I owe this debt. I was unaware of this debt and I have never received any documentation stating that I owed this debt. I only became aware of this debt when I ordered my credit reports recently. They have had ample time to respond to my letter and provide the necessary proof that I have requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

REPORTING INACCURATE PERSONAL IDENTIFIERS ON CREDIT REPORT.