23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

i closed my new BOFA credit card because i didnt know and didnt want to pay for the annual fee ... i tried to contact BOFA to closed my credit card, and they granted me ... SO, my credit card was finally closed on XX/XX/2018 ... however, the next couple months, it seems the card was not closed completely, and i got charged for the annual fee and the late fee and the interest. It keeps summing up until now, and i think its very not fair for me ... i would like to request help to resolve the problem, because i tried to talk to the BOFA customer sevice 4 times, and they wont help ...
Product: Debt collection

I provided a written 30 day notice I was moving. And being that I lived there for 8 years maintenance was not willing to fix anything that was wrong. XXXX  has been informed to remove this account. I need them to remove fro XXXX  and XXXX. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter serves as a formal complaint that you are repo inaccurate and incomplete information on my credit report. notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 
XXXX XXXX XXXX XXXX XXXX I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. ; is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to pro that proof, or if lacking proof of these payments being late. please update my_payment history XXXX status Stop trying to get late payments consumer protection laws
Product: Credit reporting or other personal consumer reports

This letter serves as my final attempt to resolve this matter before escalating to legal proceedings. Despite multiple previous disputes and my clear evidence that these accounts are inaccurately reported, you have failed to remove the erroneous information from my credit report. Your continued reporting of these items is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Violations include but are not limited to : Failure to Conduct a Proper Investigation : As required under 15 USC 1681i ( a ) ( 1 ), credit reporting agencies must conduct a reasonable investigation of any disputed items. Your investigations have clearly been inadequate, as the same inaccurate information remains on my credit report.

Reporting Inaccurate Information : Under 15 USC 1681s-2 ( a ) ( 1 ), furnishers of information are required to provide accurate information. These accounts are incorrect and have not been verified with my signed consent.

Failure to Respond to Dispute : As per FCRA 611 ( a ) ( 1 ) ( A ), you are required to respond to disputes within XXXX  days. Your repeated failure to adequately address my disputes is unacceptable.

I have provided clear evidence that the accounts listed below are not mine and should not be reported under my credit file :
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has continued to report incorrect and invalid information. After several written attempts to have the credit bureau correct these errors, they still continue to report false items. They will not give me my current credit score because they say I have an open dispute. Yet, they reported a low score of XXXX to a lender. This is in violation of the FCRA. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. Given all my attempts to address two erroneous accounts directly with the TransUnion bureau, this is negligence and non-compliance with federal statutes. Please delete the disputed accounts in my credit report : XXXX XXXX, XXXX XXXX XXXX XXXX. I have sent documentation with both disputes. This matter is still unresolved, and the bureau is now reporting low scores to lenders/creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter on XX/XX/2022 to XXXX XXXX  however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense.

according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller 15 usc 1681 s-2 15 usc 1692c 15 usc 1681i
Product: Credit reporting, credit repair services, or other personal consumer reports

I had checking account and charged from XXXX of {$35.00} for membership. I was given 90 days as trial period and I could cannel this within 90 if I did not like their products. 

Within 6 days member ship was cancelled and I had entire 90 days to cancel. Around XX/XX/XXXX was the last day to cancel membership. Cancellation dated email was sent on XX/XX/XXXX is not 90 days. 

Multiple banks I tried to open new accounts has been denied because credit reporting indicates I have not paid {$180.00}. 
My member ship was canceled within time allowed and I dont to pay anything to XXXX XXXX. The amount that I was supposed to be paid was {$35.00} and late fee and other charges has been added to come to {$180.00}.
Product: Debt collection

I paid my speedycash loan with XXXX XXXX XXXX, which I have the receipt. I got a letter in the mail that have taken over the acct from XXXX XXXX XXXX XXXX. XXXX XXXX is the company reporting to the credit bureaus about this and XXXX XXXX XXXX says they should not even have this SpeedyCash acct. As result, XXXX XXXX is extremely rude to me and wont except that I have paid with XXXX XXXX XXXX and want me to pay again.
Product: Credit card

I've consistently made sure payments on this account are made on time, never allowing them to be overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ARS ACCOUNT RESOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX XXXX XXXX, FL XXXX
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 CT XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$5400.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance XXXX {$790.00} XXXX  XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance XXXX {$9900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX  XX/XX/2022 XXXX OF XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I was switched from XXXX to XXXX XXXX XXXX XXXX and I have been paying on time for more than three months now. I have even paid off one of the two loans already but my new servicer is not reporting anything to the credit bureaus. My credit report still has XXXX as my loan servicer and a the wrong balance on there. I've called the credit bureau and they stated that XXXX XXXX has not reported anything. So I called XXXX XXXX XXXX and they told me it would be 30 days, however it's been longer than that now and nothing still has changed. My balance reported say over {$15000.00} but I only owe a little over {$11000.00}. I'm trying to clean up my credit report and this is not helping.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXXl XXXX 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 to be removed/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 delivered to the consumer not later than 21 days before the payment due date.

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!
Product: Debt collection

On XX/XX/XXXX I received a letter from Weltman, Weinberg & Reis Co., LPA that they were attempting to collect a debt that I owed to XXXX XXXX XXXX for damages in the amount of {$5000.00}. I sent them a letter back denying that I owed this debt as I have never been summoned to court or had a claim filed against me. XXXX XXXX XXXX XXXX has given them information that this is their Claim NumberXXXX. I received a letter from XXXX about a claim about 2 years ago and it seems that a vehicle I sold was involved in an accident in Florida. I signed the title over to the purchaser but I forgot to remove the license plate, however the registration was expired at the time of the sale of the vehicle therefore the driver was operating the vehicle on expired license plates at the time of the accident. I explained all of this to the lady I talked to and thought that was the end of it until I got this letter. I do not owe XXXX XXXX XXXX any money so I don't know why they would turn me over to a collection agency. I also don't understand why these attorneys would attempt to collect a debt without proof that it is valid.
Product: Checking or savings account

i became XXXX  for XXXX months all the fees that they charges were when i was in XXXX
Product: Credit card

I have a credit balance of nearly {$2000.00} on my Capital One credit card. I have repeatedly demanded that Capital One close my account and mail the credit balance to me but they refuse. Capital one keeps holding on to my credit balance. By law they are supposed to refund me when I ask.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion LLC, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX has no permissible purpose to be furnishing this information pursuant to 15 U.S.C 1681b. I am aware neither one of these conditions apply, and Transunion LLC, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX is furnishing information from XXXX XXXX XXXX. In addition, Transunion LLC is involved in Racketeering Activity along with XXXXXXXX XXXX XXXX. by furnishing negative, inaccurate information, oppressing and harming XXXX XXXX XXXX, XXXX. In addition to receiving proceeds derived from such XXXX XXXX. Convictions of XXXX XXXX  carry up to a Life Sentence Imprisonment of Chief Executive Officers of all parties involved. All three of the Consumer Reporting Agencies are reporting this account as, " Closed '' when, as of XX/XX/2022, XXXX, " XXXXXXXX XXXX  XXXX. '' stated that this account is still open. Which is false representation of the status of the account. All of the Consumer Reporting Agencies are in violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

CITICARDS CBNA Amount : {$290.00} Reporting Since : 2021 Charged off Debt the company is reporting on my credit report as OPEN. The debt has been considered canceled debt and the company has filed this debt with the IRS on their taxes as a profit loss and still reporting it as debt owed, even after they have taken a tax break. This is illegal. The company has not provided me with a 1099C so that I can write this off as income. They are in violation of 15USC1681eb.

Certified letter has been sent to the Company and to to XXXX Credit Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, i tried and did contact recently the finance company ( capital one ) regarding late payments reported over XXXX years ago to my credit report file and capital one basically took their payments according to my bank statements and did report late payments for a period of XXXX months beggining XX/XX/XXXX and ending XX/XX/XXXX even though capital one did offer and grant me a payment arrangement in XXXX of XXXX XXXX which i accepted back then. A few months ago i contacted capital one to see why they did report those adverse late payments both on my credit profile and my cosigner credit file and instead of a resolution, they reported to the credit reporting agencies the adverse late payments on my credit profile as new and further damaging both me and my cosigner credit profile. i did notify via email and did refuse to talk on the phone with this creditor ( capital one ) and told them that all communications should be done via email and that when they decided to report erroneous adverse late car payments to all three credit reporting agencies and thats when i told them via email that ill report it to the cfpb.
Product: Student loan

I had taken out approximately $ XXXX in federal student loans. I have easily paid back this amount to Navient loan services over the time paid on the loans. Navient claims I still owe $ XXXX. I believe i have over paid by approximately $ XXXX. The only options Navient provides is to continue paying on the loan. Navient will also not acknowledge that these were federal loans. No pause was observed on the pandemic relief. And despite a confirmation email from the federal gov that my loans would be forgiven, Navient countered the email stating they will jot acknowledge the forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a Collection account on my report in the amount of {$1600.00} which was paid in full to the original creditor in XXXX. I have asked them to correct this information on my credit report but they have failed to do so. The request to correct the information was made on XX/XX/XXXX and XX/XX/XXXX Details of the information are : Collection Agency : XXXX XXXX XXXX / Acct # XXXX Date opened : XX/XX/XXXX Original Creditor : XXXX XXXX Status : Collection account {$1600.00} past due as of XX/XX/XXXX 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a freeze on my report after suspicious activity. I have been trying to remove the freeze placed by transunion. 
They have been unresponsive. 
Unable to be reached or contacted for help by phone or email. 
Their voicemail system goes in circles and then hangs up on you. 
Their site has locked me out so I cant sign in. 
Im unable to remove the freeze. 
It has Been 4 weeks of this.

If you stay on hold for 2 days it disconnected. 
If you ask for a callback- they never call back.
Product: Debt collection

I was living in XXXX XXXX OH for 3 years. I have moved out to new location. after few days settlement charges are sent. It was {$710.00}, an unbelievable high charge. one of the item that an electric stove was asking {$480.00} dollars by saying reason that spoiled by me. Actually I used to cook at last day also there. I opened top cover to cleanup before moving out. the new similar stove in market is {$350.00}, also apartment given me old stove that have an appraisal value of {$150.00}. 

I did a party at leasing office and management not given deposit money they agreed to give back after party. the reason saying that candle wax melted and spread over there. it was a XXXX yesr child birthday party we used a cigarette size XXXX candle that is not sufficent to fill entire area. any way money is not returned back.
Product: Credit card or prepaid card

On XX/XX/XXXX, I paid the balance of my Chase credit card in full. On XX/XX/XXXX, I discovered that Chase had charged me {$5.00} in interest on part of the balance that I paid in full back in XXXX. I was unaware of this, which resulted in my account being reported to the credit bureaus as late. My credit report was adversely impacted because of this. 

I have never been assessed a residual interest rate on any of my credit cards after I pay them in full. This has never been an issue for me. I have never been late on a payment. But because of this {$5.00} interest charge, my credit report has been damaged. Chase did not make significant efforts to contact me about this problem. I received no letters in the mail requesting payment. I received no text message notifications. I have been a Chase customer for years, and this is the first time I've experienced a problem like this. I requested that they remove the late payment notification from my credit report and they said this would not be possible. Chase 's practice of charging customers interest on balances paid in full is questionable at the very least and dishonest at most.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX # XXXX, Account XXXX XXXX # XXXX, Account XXXX XXXX # XXXX, Account Bank XXXX XXXX # XXXX, Account XXXX  XXXX XXXX Account XXXX XXXX, Account XXXX XXXX  XXXX XXXX XXXX XXXX, Account XXXX Bank # XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  Account XXXX XXXX XXXX Account XXXX XXXX XXXX, Account XXXX XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I Leased a XXXX XXXX from XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I was offered to buy a new XXXX and Dealer will pay 1/2 of over millage and Lease contract. I was to pay Deposit of new vehicle and 1/2 of millage due. So we did and attached is End of Lease document with Voucher and receipt for payments. On XX/XX/XXXX I was contacted to pay half of the millage which was already paid by Dealer and Myself in halves. I sent documents and no more calls were received. On XX/XX/XXXX the same happen and no more calls until XX/XX/XXXX. XXXX XXXX XXXX called me and indicated in a very harsh manner about outstanding debt, I proceeded to indicate documents were sent indicating this was paid before. That evening I received an email with a letter I had 10 days to pay the Outstanding of {$470.00}. I called them back on XX/XX/XXXX for discussion. The advise of the agent was to pay the amount and then dispute. Since I was within the 10 days indicated in the letter I paid and requested the go by process for dispute. Attached you will find letter of final attempt and Payment confirmation as of XX/XX/XXXX. XXXX XXXX proceeded to report to Credit Report Companies that bill went to collection even after I paid in full within the term of the letter. This have cause an over 100 points fall in my credit scores and a non-qualification for loans I had applied for my home improvements. First, I am overpaying as per my part of the millage was paid on XX/XX/XXXX as per receipt. Second, I paid the unfair debt within the 10 days in their letter and they still reported a negative information to my credit Score Agencies.