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

They are reporting duplicate accounts on my credit report, which are accounts ending in XXXX and XXXX. 

My account with XXXX was never late! I have had exceptional payment history witH 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 by the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe harm to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX and XXXX of 2022 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 XXXX  days before the payment due date. 

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 XXXX  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 and remove the duplicated account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Product: Mortgage

I have being discriminate cause of my not knowing to much on identity fraud so when i report it stolen no one care to help me. I have being acuse for things i didnt do an was denied of my benefits. I will like an investigation on all my financial an all records from all banks an have my righst givin back as well my morals an my integrity. Or i will star filling a federal courf law investigation
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft as there is an item on my credit report that have resulted from fraud to which I never benefitted from. I have reported this to the federal trade commission but it is not removed from my report which is causing me stress and anxiety wondering how could this have happened, it is affecting my life negatively.
Product: Credit card or prepaid card

USAA INVESTIGATED FRAUD CHARGES IN MY FAVOR. {$470.00} XX/XX/XXXX see attatched Fraud letter dated XX/XX/XXXX. USAA documents after investigation with merchant Disputes listed see attatched statement XX/XX/XXXX * SAME CHARGES ARE NOT IN MY FAVOR. They INCLUDE ALL XX/XX/XXXX XXXX CHARGES. XX/XX/XXXX Transactions listed on attatched XX/XX/XXXX statement Transactions to include NEW PURCHASES of XX/XX/XXXX ( ref # s begin with letter F ) USAA can view them on line on these two statements XX/XX/XXXX listed without F in ref # and XX/XX/XXXX. ( F ) ref # s XXXX. USAA LISTS AS NEW PURCHASES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX See attatched statement XX/XX/XXXX Transactions ARE THE SAME USAA INVESTIGATED AS ( UNAUTHORIZED FRAUD * IN MY FAVOR ) and never paid USAA CREDITS. see statement of merchant credits ONLY. How could they also have ( INVESTIGATED THE SAME CHARGES AS DISPUTES * NOT IN MY FAVOR??? ) USAA INVESTIGATIONS CLEARLY ARE DISHONEST! Also KINDLY NOTE BOTH STATEMENTS ONLY LIST MERCHANT CREDITS APPLIED ** NO USAA CREDITS.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, my brother, who lives in XXXX, wired me {$30000.00} from his XXXX XXXX  ( XXXX ) account to my XXXX XXXX ( XXXX XXXX account in the USA. Since XXXX XXXX is an investment company, the international transfers go to the particular XXXX account with Citibank and then to XXXX XXXXXXXX XXXX corresponding accounts. A few weeks later we did not receive money and my brother contacted XXXX. Almost a month later, XXXX sent my brother a letter stating that money was transferred to Citibank, but they didn't provide clear communication about what happened with {$30000.00}. 
I contacted XXXX and was told that they don't have my money. I was advised to speak with XXXX. 
I called Citibank and was told that they could not speak with me because I don't have an account with them. 
I sent complaints by certified mail to XXXX and Citibank and e-mailed XXXX representatives of Citibank, but I have not received a response. 
{$30000.00} got stolen. Please help me. 
I'll provide all supporting information regarding these transactions and communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax XXXX XXXX  failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  and Experian about information on my credit reports that was not accurate. XXXX  has done the right thing and deleted the information that was not accurate. Experian, however, will not delete the incorrect information from my credit report. 
Experian has old addresses and some other addresses listed on my credit file with them that I do not recognize. They also have name misspellings and incorrect phone numbers as well. This is a credit risk to me and could result in identity theft. When credit card offers and other information gets sent to these other addresses it provides an easy way for people to misuse the information. Therefore, I am requesting that Experian follow the lead of XXXX  and delete the incorrect information. 
Also, it is against the law to report inaccurate information on someones credit report. Those addresses are incorrect and should be deleted permanently since they are not recognizable and not deliverable to me by USPS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey I was just logging into my XXXX XXXX on XX/XX/XXXX. It currently says my score is n/a when i last looked about 2 months ago I had a score over 700. The reason I was looking at my score was because they had mentioned some company called XXXX XXXX XXXX XXXX saying that I owe that them XXXX from XXXX. This is 100 % inaccurate information. Under the fair credit reporting act I would like to see my signature agreeing to this as any time I have ever used a rent a car there have been no problems and I've used hundreds of rent of cars over the past 4 years as am I am a XXXX XXXX you can XXXX my name on XXXX XXXX XXXX is my XXXX XXXX. If someone can call me so that we can resolve this misunderstanding this would be great. I have been renting cars for years without any problems.
Product: Credit card

My promotional zero percent interest rate expired on my Barclays Bank Mastercard, but the impending expiration of that promotional rate was not noted on the credit card statement immediately preceding commencement of interest charges. Instead, that statement ( XX/XX/2016 ) reflected a 0 % interest rate on the promotionally charged amount with no expiration date for that rate reflected. Yet on my next statement ( XX/XX/2016 ) there were nearly {$160.00} worth of interest charges, and the statement reflected the new 16.24 % current interest rate. 

When I called to complain and ask that the interest charges be reversed, the customer service agent initially acknowledged the error. However, after consulting with his supervisor for permission to reverse the interest charges, he stated that the expiring rate was not shown on the XXXX statement because the rate had expired the same day that the statement had issued, meaning the statement could not reflect a future expiration date. The supervisor later told me the same thing. But if the rate had already expired at the time the XXXX statement was issued, then the XXXX statement should have reflected the new 16.24 % rate, not the 0 % rate. 

I pointed out to the customer service agent and his supervisor that they were trying to have it both ways by claiming, on the one hand, that the rate had expired on the XXXX statement date and so that statement could not reflect the rate expiration date, but that, on the other hand, the XXXX statement reflected the 0 % rate that they claimed had already expired by that time. The agent acknowledged my point, but insisted that " this is just how we do it '' and refused to reverse the interest charges. After considerable argument, she agreed to reverse half of the interest charges, but refused to reverse the rest. 

I would like the remaining interest charges refunded, and for Barclays Bank to stop these misleading billing practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Capital One explaining that someone used my personal information to apply for credit and requested the unauthorized hard inquiry to be removed. 

Instead, Capital One sent a generic letter claiming that it was a result of a promotional inquiry though I explicitly said it was a hard inquiry I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my Experian and Fico scores ( XXXX XXXX ), i discovered that my crediXXXX score went down drastically -- -- XXXX and XXXX points. I have always paid everything on time. I found out it was XXXX XXXX XXXX. I immediately called them and they had the wrong address for me and that is why I didn't receive the bill. They have since corrected the address, have taken off all the late charges and I paid the {$20.00} plus charge immediately. 
I would greatly appreciate if you could look into this and reinstate my previous credit score. I am super upset about this. You help and cooperation is very much appreciated.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$45000.00} XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXXXXXX XXXX Balance : {$450.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2700.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$590.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX Balance Owed : {$330.00} XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

XXXX XXXX I went to Wells Fargo bank to open a new checking account.I went inside the bank at XXXX was first customer and as I walked were the desks section was all the bank staff and employees were at the tellers section, everyone of them stare at me with judgement eyes from front entry to desk section for XXXX minutes, then a female bank employee came and ask what I what In a unwelcome voice.I ask to open a new bank checking account and we both sit a desk and I filled out a form to do so, when I complete the for the lady left for XXXX minutes, ( I had a feeling she went to get advise to not let me open a account ) .That what she said, I could not open a checking account, ( at that time she had not told me her name are a business card and on reason why I can not open a account ) .Well I knew if I ask It would be a lie, because I am a XXXX XXXX XXXX senior and XXXX born citizen XXXX have money.I looked her directly in her eyes and asked why, she said because of my address is a hotel, bank will not deliver mail, I pay monthly rent and can get mail and NOBODY are business has ever said that.I was judge as soon I walk in the door was treated unfair.Sure was no standard operating procedure and customer and consumer service none as well as CIVIL rights.this seems to be a business 's operations, no customer service so seniors, low income are prey on as well as vacationers and citizens driving through and I told Arizona governor and looks like the state is issue business permits that allows.
Product: Credit card

I have had a terrible and frustrating experience with Citibank dealing with what started as a billing dispute, but was later revealed to be fraud. They are now telling me that they will not help further, even though they acknowledge the fraud, because of how the dispute was originally opened by their team they will not protect me. In other words, their zero liability protection claims are false in this case. 

There was absolutely no way to know this was fraud perpetrated by scamming " business '' until after the dispute was opened. Therefore there was no indication at all that I needed to speak to their fraud team first. This is not noted anywhere in my customer agreement or in any of the documentation was received. 

Once the merchant provided their " proof '' of the purchase was the fraud discovered. They fabricated receipts and also forged my signature. At this point I contacted Citi again and followed all of their instructions. I even spoke with a security specialist who assured me that the fraudulent charge was being removed and I was not liable at all for it. He also closed down my account and issued a new card. 

Today they are telling me that they misinformed me and they will not offer liability protection. They made an offer of a {$250.00} credit which still leaves me out of pocket about {$500.00} for this fraud. They also made a completely unhelpful suggestion or working with the merchant directly, contacting local police, or even the better business bureau. And these suggestions were made while they clearly knew this fraud occurred while I was travelling out of the country. Not one of those suggestions was remotely helpful. 

I am beyond belief and in desperate need of help trying to not let Citi to allow the bad guys to win and to honor both what they told me and what is posted on their site about liability protection. 

Please assist!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I authorized inquiry for my credit. However, I did not authorize an inquiry everyday for XX/XX/2021, XX/XX/2021, XX/XX/2021 for 3 additional inquires. There is no need to view my credit report 4 times.
Product: Mortgage

Bank of America is requiring that I default on my loan for two months before they will consider a loan modification. XXXX of the reason I was denied in the past is because I have not missed payments on loan. At the present moment, I am getting assistance from someone else to help pay my loans so it does n't default. I do not feel it is fair to require a customer to default on their loan payments before they can be given a loan modification.
Product: Credit card or prepaid card

I was sent a Chime debit Visa card that I never applied for. It also is asking me to set up my direct deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am co signer for my husbands auto loan. Already paid off that loan 2 years ago. But showing open status on XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with SANTANDER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and SANTANDER with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Debt collection

PayPal has been repeatedly debiting my account and claiming that I still had an outstanding balance of {$510.00} even though I have provided evidence via a transaction statement from my bank that they have deducted the amount in question from my bank account on XX/XX/2021. They have refused to resolve the issue, despite telling me where and how to send evidence and my having complied. They continue to debit my account despite provision of evidence of the alleged amount being satisfied in full. This has resulted in excess fees through my bank.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX We Sent Out A Dispute Letter Asking XXXX Credit Bureau To Verify Make And Sure That They Are Reporting 100 % Accuracy On My Credit Report. I Gave Them 30 Days To Respond And I Didnt Receive Any Response Back From Them. According To FCRA Section 611 ( ) U.S.C 16811 Metro To Compliance Standards, I Challenge All Inaccuracies And Deficiencies Of Reporting. Today Is Now XX/XX/XXXX I Am Now Reporting XXXX To A No Response
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter ( 609 ) to the threXXXX credit bureaus XXXX, Transunion, XXXX on XX/XX/XXXX, asking for them to verify the items on my report one in particular the Student Loans from XXXX XXXX and the Department of Education XXXX XXXX were both reporting student loans twice and sent highlighted copies of my report to all three companies along with two forms of identification etc. On XX/XX/XXXX I received a letter from only XXXX saying they were unable to honor my request of sending a revised copy of my report because no specific credit grantor was provided. Again I sent them highlighted copies of my report and highlighted every error that I saw on the report along with the credit grantors. I have yet to hear from the other companies they had 15 days to respond that time has passed. In addition, as I'm writing this letter the President just forgave $ XXXX {$20000.00} in student loans. 
The FCRA also states that credit rating agencies must remove negative credit information after seven years and bankruptcies after seven10 years ... and due to the fact that the reporting agencies can't verify said items then they must be deleted and I should be supplied a new credit report showing the deletion please and thank you. 
In addition, If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) properly delete that item of information from the file of the consumer or modify the item or information as appropriate based on the result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$440.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX {$5200.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/2018 ), Equifax has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation.

ACCOUNTS XXXX XXXX XXXX XXXX paid in full XXXX XXXX XXXX XXXX paid in full XXXX XXXX never late XXXX XXXX paid in full XXXX XXXX XXXX paid in full XXXX XXXX XXXX XXXX XXXX XX/XX/2013 {$340.00} not mine XXXX XXXX XX/XX/2014 {$830.00} not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans report as charged off with remarks stating that they were paid off. the status should reflect that they are paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America sold our loan in XX/XX/2016 to XXXX. XXXX changed the status on the new loan to reflect late charges when the loan was with Bank of America. Then Bank of America changed the name of the mortgage to XXXX as well. Both companies and the credit bureau have cause over 100 point drop in my score because of their wanton and malicious double and inaccurate report of my credit. This change was made as retaliation against my wife and I for holding Bank of America responsible for not offering the Partial Claim on our mortgage before we instructed to not make payments for nearly a year -this destroying our credit. They were required by Federal Law to offer the partial claim, Year did not until nearly a year later. Now that we are holding them accountable, they have double reported delinquency on both an account that was past due and an account that was new and closed. Either Bank of America or XXXX or both MUST correct my credit report. This is outrageous.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, credit acceptance corp has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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.