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

- XX/XX/XXXX : my leased vehicle was totaled in an accident where I was not at fault - XX/XX/XXXX : I made an on-time lease payment as I waited for XXXX to XXXX the claim - XX/XX/XXXX : XXXX paid the Bank of America XXXX XXXX XXXX XXXX XXXX leasing company - XX/XX/XXXX : I called BofA to verify my account was fully paid off. The call was recorded and they confirmed it was paid off / no amount owed by me - XX/XX/XXXX : I received a letter from BofA saying my account was in collections but there was {$0.00} owed by me ( letter attached )- XXXX XXXX, XXXX : I receive a credit alert that BofA had closed this account and that I owed more than {$15000.00} - XXXX XXXX, XXXX : XXXX XXXXXXXX XXXX ( the counterparty to my car lease ) as well as BofA both confirmed that the account was {$0.00} and settled and they have corrected my credit report. I verify this with the credit agencies and think the issue is settled - XX/XX/XXXX : this zombie account ONCE AGAIN appears on my credit report, damaging it by a negative XXXX points. I call BofA and they confirm that this account is closed and settled and they don't know why it's negatively impacting my credit
Product: Credit reporting or other personal consumer reports

PROFESSIONAL DEBT MEDIAT is reporting that I owe {$4900.00} for Promenade at XXXX which is apartments. Im not for sure if this a doubt that Professional Debt Mediat purchased, but I do not owe them or XXXX XXXX. In the state of Georgia a minor under the age of 18 years can not enter into rental agreement as a guarantor or a co-signer. I was not responsible for this account and have provided my birth certificate and identification showing I was under age and this was illegal for anyone to do in my name. The company continues to report this balance to the credit bureaus for years. Which has impacted my credit report for loans and renting a place to live which has caused me a hardship.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 6 O 2 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 6 0 4 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS UNDER 15 USCS 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2018 I was alerted through XXXX that a negative item was placed on my credit report and needed to be reviewed. Upon logging into the XXXX   XXXX XXXX   portal, I was alerted that FBC Mortgage has reported a account as 30 days past due. FBC sold my previous account to XXXX XXXX in XX/XX/2018. All payments prior to the sale of the loan were made on time or before schedule. I contacted FBC today and spoke to a customer services representative who informed me that yes, in fact FBC did report inaccurate information to the 603p bureaus. I asked for this to be corrected as it is the duty of the furnisher to ensure accurate information is reported to the bureaus. I do understand that FBC has 30 days to perform a re investigation as to the inaccurate reporting. However, I was told that I needed to provide complete copies of my personal credit report to FBC so they can do the re investigation. I should not have to provide proof to the lender if they reported the information inaccurately and they are the ones who have a contractual business relationship with that bureau ( s ). The customer service representative stated on a recorded line that in fact it was FBC 's mistake and was reported incorrectly. If I sent my complete credit report to them via fax or mail, once they received it, they would review my claim. 
My concern is that if I needed to apply with a lender and they saw a possible " 30 days past due '' on a real estate loan, that I would be considered high risk when in fact I am NOT and NEVER WAS past due on that loan.
Product: Credit card

I opened up a Sears Citibank MasterCard XX/XX/XXXX because a Sears Representative encouraged me to do that to get a {$15.00} discount on a jacket I was purchasing. I was one day late paying the outstanding balance of {$76.00} and a did n't realize a {$29.00} late fee was smacked on until my next account Statement. My husband contacted Customer Service on XXXX XXXX, 2016 and they said they would reverse the late fee payment if I called in. Due to some personal life crisis, I did not get a chance to call until today, XXXX XXXX, 2016. I was astonished to find out that my account balance now has another late fee of {$29.00} that was tacked on XXXX XXXX, 2016. I asked them to waive XXXX late fees since they were honest mistakes but the customer service rep said that I had to pay the outstanding balance of the XXXX late fee charges to do that, which made no sense to me at all. I asked to speak to a manager and the manager was no help at all. She said she could waive XXXX late fee but I had to pay the other late fee in order for her to do that. It was an awful conversation and the worst customer service experience I 've ever had in my life. At this point I feel like I am forced to pay the late fees or Citibank will keep adding on late fees and profit from this. Out of principle and to protect other customers, I am filing this complaint in hopes that Citibank will discontinue this unconscionable practice of adding these excessive and aggressive late fee charges. My credit is excellent and I wish that I had a better experience with Citibank. After my phone call with their Customer Service Department today, I want to have nothing to do with Citibank ever again except to have them do the right thing, which is to waive the XXXX late fees.
Product: Debt collection

This company IC Systems INC has called me and my family members over 10 times in a day. threatening to suit me and destroy my credit and has even went as far as telling my mom my personal medical history. i have never sign any contract with this company or never have made any agreement its causing me sleepless nights and more health problems. According to HIPPA law HIPAA and Medical Privacy Statutes and the penalty provisions of the ARRA section D, privacy provisions, the penalty rules of the HITECH Act as issued XX/XX/XXXX and the Omnibus Final Rule effective XX/XX/XXXX and the FACT Act final rules effective XX/XX/XXXX are in effect in this situation. 
The Privacy Rules prohibits a covered entity from using or disclosing an individuals protected health information ( PHI ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules. 
I am requesting you promptly rescind all such account information furnished to IC Systems and require them to purge their records of all reference to this account, and that you insure that any and all reporting of this account is immediately deleted from my credit reports. 
You are also advised that you may be in violation of the Notice of Proposed Procedures for Charitable Hospitals to Correct and Disclose Failures to Meet Section 501 ( r ) of the Affordable Care Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX .The account in question was charged off in XX/XX/year>. Despite this, the account has been updated as a charge-off every month since then, which is incorrect. A charged-off account should not include an active payment history. 
This inaccurate reporting not only misrepresents the account 's status but also improperly influences the statute of limitations. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am entitled to accurate credit reporting and have the right to dispute any information that I believe is incorrect. Furthermore, the account 's persistent active payment history contradicts the nature of a charge-off, which should not reflect such activity. 
I have recently contacted XXXX regarding this matter, and they promptly corrected the inaccuracies in my credit report ( see attached documentation ). I am hopeful that Experian will take similar action to rectify this issue and ensure that all items on my report are accurately and fairly reported under FCRA regulations.
Product: Credit reporting or other personal consumer reports

I am sending to formally request an investigation into the accuracy of certain accounts listed on my credit profile, which appear to contain errors. Under the Fair Credit Reporting Act, 15 USC 1681i, you are required to complete your investigation within 30 days. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX Balance {$33000.00}
Product: Debt collection

Please be advised I have requested validation and " verification '' of an item reported to you by Stern Recovery Services Inc for XXXX XXXX and XXXX XXXX. 

Stern Recovery Services Inc did NOT provide me a HIPPA release that releases my medical information to them, therefore by XXXX XXXX and XXXX XXXX  providing such information to them without my consent are in VIOLATION of my HIPPA rights. I will proceed with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX XXXX  collection appeared on my bureau debt was paid directly to hospital and nothing is owed to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED BANKRUPTCY HAS BEEN DISMISSED FOR QUITE SOME TIME AND IT HAS BEEN REPORTING ON MY REPORT. THIS ACCOUNT HAS TO BE REMOVED OFF MY CREDIT FOR I DID NOT GIVE ANY AUTHORIZATION FOR THE ACCOUNT TO BE REPORTING ON MY CREDIT. THIS ACCOUNT HAS BEEN REPORTING AND I HAD NO KNOWLEDGE OF THIS, PLEASE INVESTIGATE THIS MATTER AND HAVE THIS ACCOUNT REMOVE AND PURGE OFF MY CREDIT.
Product: Credit card

There was a charge on my Ulta Rewards Credit Card of {$70.00} that is fraudulent and that has been sitting as pending on my account since XX/XX/XXXX. 

I messaged them and this is the message I received : I am with Comenity Capital Bank, which handles your credit card account. I'm here to help with your account needs. 
We apologize for any inconvenience you may have experienced.

We understand your concern, we can verify your account is posted with the retail sale charge of {$54.00} on XX/XX/year>. 

A review of your account shows there are unposted pending transactions of {$70.00} from the merchant with account restriction status. 

The pending transactions place a hold on the available credit limit for the amount of the transaction due to this your account card usage is been stopped working for your payments. 

The pending transactions are set to expire from your account on XX/XX/year>. Until this time, the charges will not be added into your available credit. 

We are also unable to issue a stop payment on pending transactions. If the charges are not valid charges and all of the transactions do post to the account, a dispute will need to be initiated once posted. 
Please be advised that pending transactions are not reflected on the account or current balance and can not be viewed until they post to the account.

For us to best assist you with this concern, you may contact the merchants to see if they are able to remove the pending charges. 

For us to best assist you with this unauthorized charge concern, we ask that you please speak with a live representative. Please call our Account XXXX XXXX at your earliest convenience. 

Thank you for taking the time to reach out. 

Please let us know you if you have any other questions. We're always happy to help. 

I called the number to ask about this and they told me pretty much the same thing the message told me. 

It is now the date they said the charges would be taken off of my account and they have yet to do so.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft, fraud, and multiple data breaches within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX opened on XX/XX/XXXXXXXX XXXX XXXX opened on XX/XX/XXXX, XXXXXXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX XXXX credit card opened on XX/XX/XXXX, a collection with XXXX XXXX XXXX opened on XX/XX/XXXX, and a collection with XXXX XXXX XXXX opened on XX/XX/XXXX. These fraudulent accounts are directly linked to multiple data breaches, including the XXXX XXXX XXXX XXXX breach that occurred in XXXX and was disclosed in XXXX, the XXXXXXXX XXXXXXXX XXXX XXXX data breach that occurred on XX/XX/XXXX, and the XXXX XXXX breach, which has an associated police report # XXXX and that was filed in XX/XX/XXXX documenting fraudulent activity. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft, fraud, and data breaches. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Debt collection

I have sent the company a cease and desist. This company has refused to adhere my complaint and do anything about it. They ignored my requests by phone, email and letter. Please have this company cease and desist the INACCURATE information on my credit report. They have things in collections that I reported fraud. My first name, middle name, last name are all incorrect. 

. Even the collection agency has an inaccurate name for me in their system in my whole file. 

They have credit cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They continue to delete and then add these inaccurate accounts with my name spelled wrong and fraudulent accounts on report which is terribly messing up my credit I requested that Transunion Consumer Solutions remove inaccurate Alias names off my credit report. Also remove the collections which has the wrong Alias names on my account : XXXX XXXX, XXXX, XXXX, also my old marriage name ( " the know as '' Also remove the credit debt charged off my account because it doesn't belong to me anyhow. All these accounts are inaccurate. I have contacted the 3 credit bureaus by MAIL, their dispute website, and certified mail and I still see no results. They are clearly not adhering to the FCRA laws. Every time I try to get an application for credit for my business or personal. they say I have false and unmatched information on my reports. This is extremely frustrating. They are messing up my families life and business credit now. I need something done ASAP XX/XX/2024 and XXXXXXXX XXXX XXXX all sent certified on these dates. amounts included are XXXX  ) {$550.00} -- -- -- - 2. ) XXXX XXXX XXXX XXXX XXXX 3. ) XXXX -- -- - 4. ) {$8.00}
Product: Credit reporting or other personal consumer reports

For the last XXXX year and few months starting XX/XX/year>, I, XXXX XXXX have been contacting this credit reporting agency requesting proof of verification of the items they have listed on my credit report. I have sent multiple letters through certified mail, I have a tracking number to verify these letters were received by this agency. However I still have not received any updates or proof of how these items were verified to be accurately listed on my credit report from this credit reporting agency. I have requested verification for the following items : XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$7100.00} XXXX XXXX XXXX XXXX XXXX Bal {$640.00} According to the Fair Credit Reporting Act, 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( A ) reporting agencies are required by law to verify through physical verification of the original signed consumer contract any and all accounts posted on a credit report. Otherwise anyone can give wrongful or worse fraudulent information. I have asked this agency to provide proof for these above items on my credit report but have yet to hear from them about these items and it has been more than XXXX years.
Product: Debt collection

XXXX  I received notice that my credit report had been hit with a collections account. Once I pulled it up it stated that it wa s Virtuoso which I received no notice what so ever via mail. Which violated my rights to dispute.
Product: Checking or savings account

TD bank, XXXX XXXX, NY closed my all my bank accounts, black listed me from all their systems without giving me any reason/explanation. 
They didnt even notify me. They did send a mail but that had my husbands account number on that letter. So I thought its my husband 's account what will be closed. 

On the final day of closing account, one of the TD rep informally told me it was due to some cash transaction and no satisfactory explanation, my account is closed. 



We were saving money for a downpayment for home buying. I got some cash deposited to my account and at that time XX/XX/, the branch manager called me and I gave him all the explanation he asked for. Told him it was for a downpayment I collected cash, the manager was satisfied but apparently he didnt record that explanation with my account. Apparently which caused this confusion/closing account. 

During closing my account Td bank representation told me she is not seeing any explanation related to my cash transaction. 

I think this is not fair they closed my account due to branch manager failed to take note of my explanation. I gave them explanation for whatever they asked me but still they closed my account without notifying me. 

This caused me lot of family issues.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

I am currently XXXX XXXX XXXXXXXX XXXX in the military and was enrolled in the Servicemembers Civil Relief Act ( SCRA ) with American Express on multiple occasions. I say multiple occasions because this is the second time that I have had to deal with this. I have remained on XXXX XXXX since I was first enrolled into the SCRA program with American Express - therefore, and per the SCRA guidance below, I should have remained enrolled in the program throughout my time on XXXX XXXX. 

" For mortgages, interest is capped at six percent during the entire period of military service and for one year after the period of military service. 50 U.S.C. 3937 ( a ) ( 1 ) ( A ). For all other obligations, interest is capped at six percent only for the duration of the period of military service. Id. at 3937 ( a ) ( 1 ) ( B ). '' I have reached out and spoke to four representatives ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of 2022 ) with American Express to discuss the situation in hopes of having this issue resolved prior to me having to deploy. However, I continue to get the same response ... '' the SCRA benefits only applies to the debt accrued prior to service. '' According to their representatives, I was removed from the program on XX/XX/2022, which does not make sense since I was definitely on XXXX XXXX during that time. I asked the representative why XX/XX/XXXX, and she could not give me a definitive answer. As stated above, that is clearly not the case. The six percent interest is to remain while I am on XXXX XXXX. 

American Express is the only credit card company that I am having this issue with. XXXX and XXXX XXXX have adhered to the guidelines listed above. I am beyond frustrated because I should not have to worry about making sure I am mentally and physically fit to defend my country, while stressing over American Express fraudulently charging me interest for more to 2 years on two separate American Express accounts.
Product: Credit card or prepaid card

Merchant took exceptionally long in processing a return. Account has a XXXX  balance, this should be immediately, updated with the credit reporting agencies. CAP ONE/NEIMAN MARCUS account XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I received an alert from XXXX XXXX regarding an account open requesting me to validate. Clearly it was not mine so I filed a complain with XXXX XXXX who provided a loan of more than XXXX XXXX  to purchase a car, file 2 police reports one in XXXX and another one in XXXX were the crime took place and same day I freeze all my credit reports with the 3 companies, and place fraud alerts. On XX/XX/XXXX I receive an e mail alert at XXXX from my XXXX XXXX lettings me know that they have block an inquiry with XXXX XXXX. On XX/XX/XXXX I call XXXX credit department as recommended by XXXX to ensure they had not provided any credit. 
I provided the background but here is the reason of my complaint. On XX/XX/XXXX at XXXX I received an e mail from XXXX letting me know that my e mail account had been changed. I called them immediately, as I tried to access my web services with my previous credentials without success, the CSR on the phone help me correct the situation, I question them HOW can it be so easy for anyone to change this type of information, she even provided me the reference of the phone number that called XXXX XXXX XXXX to make the changes. When she reestablished my account I notice that my credit report was unfreeze, so clearly XXXX doesn't have controls to protect our information. They only offer to have better protection was to buy there security services for {$4.00} per month " Good way to force the consumer ". I called Monday XX/XX/XXXX to file a complain and I couldn't because they don't have any records of this situation in their system? really? does this means that XXXX employees and involved in Identify Theft?. It gets better, the fraudulent bank account is not in my report anymore with them, but the bank hasn't clear it yet, how is this possible? I have like 10 hard inquiries on this issue that I have dispute more then 3 times on line and over the phone that they reject regardless that I have police reports. The other 2 companies are no different. BTW once I paid for the services, when I call they did now authenticate me with Biometrics and ask for ID. I really need help, I know doing the right thing is never easy, but it shouldn't be this difficult. I have spent more than 40 hours on this issues with all the government agencies involved.