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

XXXX has me listed as paid on time from XX/XX/XXXX thru XX/XX/XXXX but then lists me as 90 days late for XX/XX/XXXX and 120 days late for XX/XX/XXXX. This timeframe was listed as a forbearance and XXXX stated in XX/XX/XXXX my credit report would be corrected but never was. I submitted a dispute letter to XXXX, XXXX and Equifax in XX/XX/XXXX with no response and again in XX/XX/XXXX with no response or correction to the my credit report. I even included a copy of my XX/XX/XXXX credit report to all three agencies. 

I received notice last month that XXXX is no longer allowed to handle student loans due to a law suite . This error has negatively impacted me for over a year and is still impacting my ability to acquire fair credit. 

XXXX, XXXX, XXXX and Equifax failed to what was required of them by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified all  XXXX  credit reporting agencies asking for verification of Chapter  XXXX  Bankruptcy reported. I have contacted my local Ban kruptcy Court. The Bankruptcy Court stated, " they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. '' It is the credit reporting agencies, and /or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court systems du e to the Fair Credit Reporting Agency Privacy Law.   On  XXXX   XXXX ,  2017 , I sent certified letters to the  XXXX , Equifax, and  XXXX  asking for documentation of validation associated with the bankruptcy.   To date, I have not received a response from any of the reporting agencies. Additionally, the reporting agencies have not indicated that the bankruptcy is in dispute.
Product: Credit card or prepaid card

There is a fraud charge on my citi XXXX Visa card in the amount of {$3200.00} from simplex. I called Citi several times and they are still no help. There was two fraud charges from simplex on my account but the one they refunded me on, the other fraud charge they are refusing too even though both are fraud and Ive told them that several times.
Product: Credit card

In XX/XX/year> was charged {$41.00} late fee becuase the payment was made XXXX min after the XXXX cutoff time whcih I did not see on the statement. Company stated they would XXXX a XXXX time courtesy. In XX/XX/year> I made the payment on XX/XX/XXXX becuase the banks had the power outage and my accounts were hacked. The bank not only charged me a {$41.00} late fee again, but they reversed the credit they gave me for XXXX because they stated that I was late in XXXX. This is insanity and not right!!! I calle them over XXXX times and tried to speak with supervisors etc. They said nothing they can do. The rule is the rule.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's no such thing as a late payment Because the account was paid in full the moment my credit card was accepted ( 15 USC 1602L ).

Pursuant to 15 USC 1666b 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. I am the original creditor. I'm demanding deletion of all transactions on my consumer report. Remember, I am the original creditor. 
Pursuant 15 USC 1666b the following account XXXX is an authorization of approval of an extension of credit that is deprived from my credit card which is my social security card and has to be removed according to federal law.
Product: Debt collection

I would like to file a formal complaint that XXXX XXXX a collection agency is violating my rights by using false, misleading, misrepresentation and deceptive means by placing a collection on my consumer credit report. I am dispute that this collection agency did not provide validation information under 12 CFR 1006.3 4B5 but yet placed the collection on my consumer report, also they have not given me a chance to dispute this account according to 12 CFR one 006.3 4C4I this collection agency has no authority to furnish any account to my consumer report without providing any and all disclosures required by law and they are in clear violation of 12 CFR 100634D and 15 US C 1681S278. I disputing only any and all debts to them. Also, I am revoking my rights of them communicating with me through email text and calls. Also, I am requesting debt validation as well as the purchase agreement between them in the original creditor. Also, I am requesting that they furnish proof that they are licensed and bonded, I am requesting that they please remove this account off my consumer credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and transunion is still reporting Credit first as late or missed payment this account is supposed to be reported as good standing as everything including late fees was credited to this account its reporting account as late which is not accurate and its also reporting two missed payments which is false
Product: Credit reporting or other personal consumer reports

Hello Its been over 30 days and the creditor has not updated the information Nor has Provide proof Or documentation regarding A late payment. They have not supplies this information And they must delete this allengen late payments On my credit report. Under federal law They had 30 days to Complete the investigation and by falling to do so, the item must be deleted from The report as soon as possible
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Credit reporting or other personal consumer reports

XX/XX/year>. this is my XXXX attempt to reach transition regarding negative accounts reporting on my credit report. there was no information provided from this credit bureau. they stated it came back accurate and no information was provided proving debt or account belong to me. I've sent several letters and proof provided on bottom. my Data has been leaked in XXXX and XXXX Datta breach. many account are linked to me that do not actually belong to me. I've asked credit to provide info of how they verified the information and nothing was ever given. I have not receive valid proof or documentation proving any of these debt belong to me. 

the account XXXX and XXXX are well over XXXX years old none of bureaus still have not provided valid proof this debt belong to me and it has been on credit over XXXX  years. with incorrect dates listed that was opened
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a HARD INQUIRY REMOVAL request. There are 9 unauthorized inquiries that need to be removed from my equifax report. I have sent in multiple letters and complaints. 
Dates : XX/XX/20 XX/XX/20 XX/XX/20 XX/XX/20 XX/XX/20 XX/XX/20 XX/XX/20 XX/XX/20
Product: Credit reporting, credit repair services, or other personal consumer reports

Basic code of 15 usc1681 ( b ) ( 2 ) any company reporting on your consumer report needs my written permission to do so.. if my permission was not given you violated my rights to privacy pursuant to 15 usc 168 ( a ) ( 4 )..
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern ; This is about the Consumer Credit Transaction initiated with XXXX your financial institution executed by way of signing an Agreement ( " document '' ). 

As per 15 USC 6827 ( 3 ) " The term document means any information in any form. '' The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing.

In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt-out, XXXX furnished my nonpublic personal information to nonaffiliated third parties ( ie Transunion, ). 


According to 15 USC 6809 ( 4 ) ( A ). The term " nonpublic personal information '' means personally identifiable financial information : 01 Provided by a consumer to a financial institution 02 Resulting from any transaction with the consumer or any service performed for the consumer ; or 03 ) Otherwise obtained by the financial institution.

Furthermore, pursuant to 15 USC 6809 ( 5 ) the term " nonaffiliated third party '' means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

Therefore, as per the literal interpretation, the organization named Transunion is nonaffiliated third party and your institution has violated the provisions of 15 USC 6802. 
In case XXXX  admits that the organization named Transunion, is affiliated, it has still violated the provisions of FCRA ( Fair Credit Reporting Act ). 

Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( il ), the Consumer Report will not include any information communicated among persons related by common ownership or affiliated by corporate control.

Furthermore, 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) states that if XXXX wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons. 


Therefore, XXXX has not only infringed my right to privacy but also violated multiple Federal Laws. 

I hereby request TransUnion to remove the below-mentioned information from my consumer report. 

If you accept my request, I will not escalate this matter to a federal complaint. 

Thank you for your attention to this matter Sincerely XXXX XXXX
Product: Debt collection

This debt is being reported to XXXX, XXXX, & XXXX by Target credit. The debt is being reported as charged off, date and time unknown. This debt should have been discharged with bankruptcy. I think this debt may have paid with a collection company a few years ago.
Product: Checking or savings account

Been trying to contact Citibank fraud dept for days now, XX/XX/XXXX - till today XX/XX/XXXX, keep getting a run around I call the branch they say they are doing the same to them. I call they say they unblocked my account ; still cant use my own money. No verification process and no one is there to help keep hanging up on me.
Product: Mortgage

On XXXX XXXX, XX/XX/2015, I refinanced my home loan with Bank of America. The proceeds for the refinance were wired and the payoff was processed. On the payoff statement, Bank of America advised they would refund any applicable escrow proceeds within 30 days. When I received my overage, it was far less than I anticipated by roughly {$400.00}. Over the span of 3 weeks, I spoke with XXXX people at Bank of America who assured me my proceeds would be refunded to me. The explanations varied from my loan being packaged to be sold which required B of A to over-pay my escrow to a timing of my payoff. It makes no sense why the explanation varied but at the end of the day, I 'm owed a refund. As of today, Bank of America has not only failed to send me my money but waited until XXXX/XXXXXX/XX/2015 to advise that my loan was paid in full. According to HUD, they advised I 'm not entitled to a refund due to the timing of the loan termination paper work. I wish to fill a complaint due to Bank of America 's willful intentions to withhold my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS UPDATING EVERY MONTH AN ACCOUNT which status says closed. Who is updating it? Clearly not the Original alleged Creditor, because the status It says assigned to an atty that I'm not aware of? Here are the details XXXX Date Opened : XX/XX/XXXX - THIS IS XX/XX/XXXX -- SHOULD NOT THIS BE DELETED? 

Account Status : CLOSED - So why is it being UPDATED? 
Seriously past due date / assigned to attorney, collection agency, or credit grantors internal collection dept. WITH WHO? 

Comments : This is what I mean, even though they don't have adequate information to REPORT an account, they go out of their way to ANY TYPE OF NEGATIVE information EVEN IF IT CAN NOT be VALIDATED. EXPERIAN IS VERY DISCRIMINATORY Status Updated : XX/XX/XXXX. WHY ARE YOU UPDATING AN ACCOUNT that you claim is with a collection agency? 
Balance {$1500.00}. 
Terms : 1 Month. 
Comments : Credit Line Closed WHERE IS THE Date of First Delinquency for this account? 
WHERE are they getting this information from?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I am writing to file a complaint regarding unexpected deferred interest charges on my XXXX XXXX credit card, which I believe were not properly disclosed to me at the time of account opening. 

In XX/XX/XXXX, I purchased home appliances at XXXX XXXX and was offered a 0 % APR financing plan until XX/XX/XXXX. However, no clear information was provided about how the deferred interest would be charged. Specifically, I was unaware that the interest for the entire XXXX period would be applied in a lump sum rather than being spread out over monthly payments. 

In XX/XX/XXXX, I was charged {$5900.00} as deferred interest for the full XXXX period, which came as a surprise. I expected that the interest would accrue monthly, and not be charged in a single payment. Additionally, none of the XXXX XXXX  in-store employees informed me of this deferred interest scheme when I opened the credit card, and I did not receive any written communicationsuch as a letter or emailnotifying me of how the interest would be applied. 

Furthermore, I was on vacation in XXXX for XXXX months and was unable to monitor my credit card statements during that time. When I became aware of the interest charge, I contacted XXXX XXXX customer service in XX/XX/XXXX, but I have not received any assistance or resolution from them. 

As a responsible customer who has always aimed to manage payments on time, I feel this situation is unfair and not communicated. Therefore, I am requesting that the {$5900.00} in interest charges be reversed and that I be allowed to pay off the principal balance immediately without incurring this interest. 

I would appreciate your prompt attention to this matter and look forward to a resolution. 

Thank you for your time and assistance.
Product: Mortgage

This is a follow-up to an existing complaint # XXXX. On Friday, XXXX XXXX I called in and spoke with the Well Fargo agent in charge of my complaint. I explained that I wanted to make the first payment of {$1500.00} (? ). She said she could take my payment but I had to call into a different number to make official arrangements. I said I would call the other number and make the arrangements and payment. On XXXX XXXX, I called in and entered all of my information including my account number. After reaching a live person, I was asked to provide the information again. I said I had to call back because I left the letter with my account number in my car. I called back less than 10 minutes later at XXXX and received a message that offices were closed. On XXXX XXXX I tried to call in to make a payment to the normal Wells Fargo XXXX number. I entered my information and got thru to a live person. The Wells Fargo customer service rep could not take my payment and she said I needed to be transferred. I was transferred to an automated system and tried to make a payment but at the end I received a message that this account could not be serviced and the call terminated. I then called the Wells Fargo agent in charge of my complaint ( XXXX? ) and dial her extended extension. There was no answer but I could not leave a message because her mailbox was full. All month I have maintained at least $ XXXX in my checking account so I can make multiple mortgage payments but all I get is frustrations and wasted time. If I am allowed online access to my account I can get this mortgage current within 2 months. It is unbelievable the extent that I have to go through to make a payment, instead I fall further behind in monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

These inquiries were not initiated by me and I firmly suspect their authenticity. I implore you to conduct a thorough investigation and promptly delete them from my credit history. Supporting documents have been provided for your assessment.
Product: Credit card

Hi, I called Chase Credit card customer care number XXXX on XX/XX/2017 at around XXXX. 

The executive was n't talking professionally and was n't able to give me complete information. He seemed to be untrained and without sufficient knowledge. Prior to that, he asked for my SSN and asked for account password or security question ( my mother 's maiden name ) to verify my identity. 

I need to know if it is a standard procedure at Chase to ask SSN and account password for verification purpose? But, why shall I share my security question or account password? 

But anyhow, I had to share my SSN and my mother 's maiden name for verification purpose as he was n't giving me option to answer any other verification questions. 

I need assurance that the person to whom I spoke to is a genuine person and my identity details were shared with a reliable customer care executive.
Product: Debt collection

UHEAA is reporting negative on no payments from 3 months in XXXX. 

I XXXX XXXX XXXX in XX/XX/XXXX. Two years time was given, its on my promissory note, to pay back before anything negative would happen. 

They began sharing negative information about payment to the bureaus within the 2 year period I was not required to pay. And they did it on not one, but two loans I had with them. 

How can they ignored the conditions of their own promissory note? Thats illegal.
Product: Credit reporting

Account on credit report was originally reported delinquent XX/XX/XXXX. Recent credit reports are showing same account reported XX/XX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. 
Contacted creditor and spoke with XXXX at XXXX and XXXX XXXX at XXXX. XXXX stated that they do not change the reporting dates and we should contact the credit reporting bureaus. He also gave us the original reporting date of XX/XX/XXXX. XXXX XXXX gave us the original reporting date of XX/XX/XXXX. Credit bureau states the creditor provides the reporting dates. No one can tell us why dates keep changing. Loans have been denied due to the balance still showing outstanding. Credit report provided by lender who denied us shows this account as a charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX  Experian XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  Experian XXXX XXXX XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX 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 XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian I did not agree, nor do I know of all of these inquires on my credit report I believe these inquiries are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed three ( 3 ) accounts from XXXX XXXX more than three ( 3 ) times with XXXX, XXXX  and Transunion. These accounts are listed as : XXXX XXXX : {$580.00} XXXX XXXX : {$610.00} XXXX XXXX : {$400.00} XXXX XXXX is reporting this inaccurate information to all three credit bureaus. I have the right to a fair and accurate credit report,