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

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment and frustration with your bureau 's handling of the inaccurately reported late payments on my credit file. Despite the multiple dispute letters I have sent, your team has consistently verified these erroneous accounts, causing ongoing harm to my credit report. It is utterly unacceptable that, after my repeated communications, your bureau has failed to rectify these inaccuracies. The verification process you claim to have undertaken is evidently flawed, as the information reported does not reflect the true state of my accounts. This raises serious questions about the integrity and reliability of your verification procedures. 
I have personally contacted the banks involved via phone calls, and they have acknowledged the errors in their reporting. The banks have agreed to update the status of my accounts to accurately reflect that they were never late. Yet, despite this confirmation, your bureau continues to perpetuate these inaccuracies on my credit report. 
I demand an immediate and thorough re-investigation into these accounts. The current state of my credit report is causing undue harm to my financial standing, and it is imperative that these inaccuracies be corrected without further delay. I expect you to cease reporting these false late payments and to update my credit file accordingly. Furthermore, I require a detailed explanation of the verification process your bureau undertook that led to the continued reporting of these inaccurate late payments. Transparency in this matter is crucial, and I expect a prompt and comprehensive responseXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I want to complain about a very concerning problem related to the payment service PayPal offered at paypal.com PayPal limited my account without prior notice and held my money for 180 days to cover any disputes. 
Their customer service always promised that they will release my funds after 180 days. I logged in to my account after the 180 days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to PayPal and I believe their claims are false. All disputes related to my account was settled. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to XXXX  enriching themselves from my hard earned money. 

XXXX XXXX, PayPal transferred my whole balance and took my hard earned money under the Transaction ID : XXXX. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. 
I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about this corrupt acts done by the payment company PayPal. I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. 
Looking forward for your reply. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a letter to XXXX disputing the accuracy on a charge off account they have been reporting on my credit report Account # XXXX. ( See attached letter ). Their response to me on XX/XX/2021 confirmed that the all information being reported is accurate and correct. They provided me with a copy of the original contract. They are reporting this account type as a loan when in fact the alleged agreement is known by its governing laws as a credit sale. There was no loan agreement in place. No goods or money were loaned to the alleged debtor. It is a violation of the FCRA to knowingly furnish or report false information. ( See attached copy of contract ). They are also reporting this inaccurate account as Open on XXXX  and Closed on XXXX. ( See attached documents ). They are reporting a recent missed payment on XXXX  and that is Incorrect as well and caused my credit rating to drop and because of this inaccurate reporting caused me to be declined for a credit increase with my bank during this pandemic. ( See attached document ). I have tried to get this corrected with them and they have refused to make things right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened file # XXXX with XXXX with XXXX XXXX ( representative ) on XXXX XXXX XXXXXXXX. XXXX told me there's nothing he can do but alert the creditors. I told him I already done that, which is why I was calling to see if there's anyway I can dispute the inquires and inaccurate information over the phone. Since, I also can't do it online. He said again, they do not investigate anything, they only request the consumers to wait for a response from the credits. Which I have been doing for 6 months and still haven't heard back. The inquiries are below which are fraudulent which XXXX is refusing to do anything about : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

I Also requested that he review the document, I mailed to him about XXXX which XXXX is reporting that I was late on XXXX ; XXXX ; XXXX. When I requested payment deferrals and extensions with XXXX, who stated in my contract they do not report those as late to the credit bureaus. XXXX also said they never received my disputes that I did with XXXX, XXXX, and Equifax, which I've done multiple times. So Equifax, XXXX, and XXXX in those disputes validated that XXXX provided information again and they validated that information, However XXXX is claiming in the letter they never received any dispute requests for validation from the credit bureaus. So, these credit bureaus are in violation of FCRA. Considering, they only validated based on old information and did not conduct an investigation as required by FCRA. The credit bureaus did not even respond to my requests that I wanted all info mailed to me. Because they never conducted a thermal investigation as required by law. 

I included all personal verification required to complete an investigation in this complaint. So, the credit bureaus can not say they don't have information to verify me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECKED MY CREDIT REPORT AT THE END OF XX/XX/XXXX AND I FOUND THESE FRAUDULENT ACCOUNTS AND INQUIRIES THAT I DID NOT AUTHORIZE.I MADE A POLICE REPORT WITH THE CITY OF XXXX(REPORT# XXXX). I ALSO SPOKE WITH DETECTIVE CORPORAL XXXX XXXX(XXXX). I THEN SUBMITTED THIS INFORMATION TO ALL 3 CREDIT REPORTS IN PURSUIT TO SECTION 605B(c) OF THE FAIR CREDIT REPORTING ACT, SO THAT THE CREDIT BUREAUS COULD REMOVE THESE FRAUDULENT ACCOUNTS. IT HAS BEEN OVER 30 DAYS AND I STILL DO NOT HAVE A RESPONSE FROM EXPERIAN AND XXXX. XXXX  REPLIED BACK STATING THAT THEY ARE NOT GOING TO HONOR MY REQUEST.

XXXX  XXXX XXXX
$XXXX	
OPENED-XX/XX/XXXX

XXXX XXXX XXXX
$XXXX
OPENED-XX/XX/XXXX

XXXX XXXX$XXXX
XX/XX/XXXX

INQUIRIES BELOW

XXXX/XXXXXX/XX/XXXX

XXXX/XXXXXX/XX/XXXX

XXXXXX/XX/XXXX

XXXXXX/XX/XXXX

XXXX XXXX
XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been applying for credit using my personal information without my authorization and consent. Someone has also opened a XXXX credit account and has been using it without my knowledge. I have filed a police report and sent multiple dispute forms to the credit bureaus ( XXXX, Transunion, XXXX ) but no one is helping me. I spoke to the bureaus and XXXX, however no one is helping me with this issue! I am a victim of identity theft and this is ruining my life! 


XXXX : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX Transunion : XXXX XXXX- Account Number XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX : XXXX XXXX Account Number XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXXXXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

I have XXXX different Citi Bank credit cards. All in which I have had for several years and been granted fairly high limits. I have NEVER missed a payment, always making all payments on time via their online portal. For the first time, and with only XXXX of the cards, I missed a payment. As a result, I was assessed a {$25.00} late fee. I emailed requesting a courtesy reversal of the fee considering my history with the card company. They declined. So I called to make the same request in which they denied again. I spoke to a supervisor who said since the bank did n't make an error, the fee was assessed. I explained that I understood why the fee was assessed and that I was asking for a ONE TIME COURTESY to be made considering my payment history, etc. She told me to wait to see if the system would take the adjustment only to come back a few moments later saying the system would n't allow her to credit the {$25.00}. I asked her what was CitiBank 's policy on customer satisfaction in which she stated her inability to reverse the fee is a new policy. 
In other words, no matter how many cards or how long I 've paid faithfully on those cards, not to mention the countless amount assess in interest, CitiBank values their {$25.00} fee more than the ongoing relationship with a " valued customer ''. Do n't ever forget to make your payment, not even by a few days, because Citibank will charge you. I wonder if they 're so quick to act when they make mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and came across a lot of inaccurate information. 

Accounts that are inaccurate are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


A total amount of {$26000.00} is reporting that are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX i had my credit card theft due to a credit card skimmer. i was in possession of the bank card. I was placed a call to customer services for the detail. while on the phone with the customer rep i was advised of the person with credit card skimmer attempting to use the card in real time ( while on phone with Regions rep ) - I came into the XXXX XXXX Florida Branch to put in a formal complaint and was told the bank manager would open an investigation and follow up with a report pertaining the findings Police Report XXXX case # XXXX
Product: Credit reporting or other personal consumer reports

Sterling is giving false information to a potential employer and now I am under review and may not be given the job. They have XXXX XXXX and XXXX XXXX listed on my report that I have never used. They are reporting the incorrect drug results twice. I had to take the test again and they have reported the same information from the original test 2 times. as an issue with the temperature. The original test was taken XX/XX/year> and the employers gave me a chance to retake the test for I didn't have enough XXXX the first time. The test was with XXXX on XX/XX/year>. The XXXX test was on XX/XX/year> with XXXX and there are no issues. On XX/XX/year> they sent a report to the employers showing the same results twice. How could they have received the results from the XXXX test when it takes 3 days to receive? And the test was taken XX/XX/year> the same day they sent the results to the employer. I tried to tell them this and have disputed the names and the incorrect results twice. This company can jeopardize me getting this job due to incorrect information and they need to be stopped. This is affecting the ability for people to get jobs. 
NOTE : I can't change my old phone # of XXXX my new # is XXXX.
Product: Debt collection

I have been trying several times to get these fraudulent account removed from off my credit report. I have disputed it over years they took it off of my report and then they place the back I got my credit score over XXXX and then when they put it back in dropped over XXXX points, I can not keep going through this fraudulent credit card account identity theft situation needs to be handled as soon as possible.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I requested deletions from each bureau, with no avail or remedy. 

I am writing to formally notify you that I have been a victim of identity theft, related to the widely publicized XXXX data breach. 

As such, I request your immediate assistance in addressing fraudulent activity associated with my credit report.

Pursuant to 15 U.S.C. 1681c-2 ( a ), I request that you delete all inquiries, and any other fraudulent information resulting from this identity theft from my credit file. This includes, but is not limited to, the following accounts : Inquiries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To facilitate your investigation and processing of my request, I am providing the following documents : 1. A copy of a government-issued photo ID ( e.g., drivers license or passport ).

2. Proof of my current address ( e.g., utility bill or bank statement ).

3. A copy of the Federal Trade Commissions Identity Theft Report 4. Notarized verification of my identity and address.

As required by the Fair Credit Reporting Act, you are obligated to respond to this request within four business days of receiving all necessary documentation. I expect confirmation that the requested blocks and deletions have been completed and that my credit report has been corrected.

Please send all correspondence regarding this matter to my address listed above or via email XXXX. 
Should you require additional information or clarification, do not hesitate to contact me directly. 

Thank you for your prompt attention to this urgent matter. I trust that you will act swiftly to protect my rights under federal law.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX Balance : {$7300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
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 has violated my rights XXXX  XXXX XXXX XXXX # XXXX has violated my rights 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

My Barclays card is charged off ( which is accurate ) however a third party XXXX XXXX XXXX XXXX called me stating they owned my account. I have set up a payment arrangement with XXXX  for a reduced amount. My issue is that Barclays is still reporting a balance of over XXXX when I have settled with XXXX  for {$2200.00}, which I still owe {$1800.00}. I have an issue that Barclays is reporting a balance that is not correct. I have spoken with both companies, call recorded, to ask why I have a contract now with XXXX  and it is not reflecting with Barclays since XXXX works for them. I will be speaking to an attorney because do not think this is a fair practice.
Product: Checking or savings account

CITI bank closed my business account recently and issued me a check which I received in my mail. 

The amount I received on the check is {$500000.00}, which is exactly {$3100.00} less than the closing balance on the issuing date. The total amount that was withdrawn from my balance by CITI was {$510000.00}, so I should've received in the check {$510000.00}. 

Where did my money go? 

In addition I still have on the balance a sum of {$2300.00}, which again must be issued in for of a check to my address. 
Please, CITI answer to my request. 
Thank you
Product: Mortgage

In XXXX I reached out to TriStar Finance, to inquire about refinancing my mortgage. Having been unable to reach anyone by phone, I partially filled out their online mortgage application, which I did not immediately submit due to being unsure about some of the information requested by the application.

Several days later, I received an email from a third-party settlement company notifying me that an account has been opened on my behalf. That email did not identify itself as being related to TriStar. I called the company identified in the email, at which point they informed me that this account was opened at the request of TriStar. At that point, I still had not had any chance to discuss the loan terms with anyone from TriStar and I had not signed any authorizations for third party services. 

I was eventually able to get in contact with a loan officer from TriStar finance, who was ultimately able to provide me with a loan estimate. Another lender matched the TriStar estimate, at which point I informed TriStar Finance that was opting to work with a different lender. TriStar responded by sending an abusive email, which I can only take as an attempt to cover up their failings and to pressure me into working with TriStar. 

Text of the email sent by XXXX XXXX XXXX # XXXX is attached. Note that XXXX makes several factually false misrepresentations in this email and disparages competitors. With regard to alleged expenses incurred by TriStar Finance, please note that I did not consent to any expenditures on my behalf, except for requesting an initial loan estimate from TriStar Finance, as well as a revised loan  estimate.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft whoever stole my identity opened fraudulent accounts in my name and the accounts are reporting negatively on my credit report. Here are some of the fraudulent inquires and accounts ... .I also attached supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was pulled without my consent by " XXXX XXXX '' on XX/XX/2020. I called them as soon as i saw an inquiry alert on my phone. I wasn'y bounded around to 4 departments, and they said they would remove the inquiry from my credit report and to wait 30-60 days. i waited and called back, this time they could not find the application that had my info, but i didn't stop until someone could see, this person apologized and said they would fix, and that an account was opened but it was not my name, so maybe someone type a SSN that happened to be mine, but they would fix. I checked today and not fixed and its ben 12 months.
Product: Credit reporting or other personal consumer reports

Around the time that I turned XXXX XXXX XXXX on XX/XX/2020, my XXXX  sibling XXXX XXXX obtained my social security card and was able to rent out three apartments to strangers. I was never aware of the situation until I tried to get my first apartment just to be told that I've had three previous evictions on my credit. if you pay attention to the time frame there's absolutely no way an XXXX woman should be able to afford three aprtment complexes. They've never seen my face nor my legitimate information so I'm confused as to how this went on for so long and they were unaware, or maybe they simply just didn't care. I need this removed from my credit because it has been hindering me from flourishing in my life and I'm now XXXX  years of age.
Product: Prepaid card

Bought American Express Bluebird card XX/XX/2016 @ XXXX. Amount deposited to card {$10000.00}. Spend {$14.00} and {$2.00} on temporary card. Received/activated new card, but did not " link '' temp card # to new card. Have unused balance of {$82.00}. Am Ex will not transfer amount of {$82.00} to activated card because I can not give them either temp card # or code from pack. I shredded those upon activating new card. XXXX gave me printout of transaction, but Am Ex insists can not trace temp card without card # or code. Please note they have my entire profile on file to go by that. Surely I am not the only senior citizen to have neglected to link the two cards. Is this a scam?