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

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

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

I demand the late payment reported in 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 no

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

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

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

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries where not authorized
Product: Checking or savings account

I was stolen {$3000.00} from PNC bank in XXXX TX on XX/XX/23 : I withdrew {$30000.00} from PNC bank and planned to deposit in another bank less than one mile away. The teller XXXX in PNC bank gave me three stacks in one TAPED envelop and told me there was {$10000.00} cash in each stack and my bank account was deducted XXXX dollars. 

However, when the teller in another bank opened the envelope ( I drove directly from PNC to the other bank ), she found out there were only {$27000.00}. I went back to PNC bank right away with the cash and envelope and explained this situation to both the teller XXXX and the bank manager XXXX. The manager and the teller used two money counters to recount those cash and found two counters gave different numbers. The one used for counting my cash earlier malfunctioned. I was told by the bank investigator it may take 30-45 days for the internal investigation, but that's too late, the 2nd bank may already erase their camera recording after one month. Could you help me with this situation? Thanks.
Product: Mortgage

I received a letter from Cardinal stating I am entitled to a refund on my advance PMI since I sold my home on XX/XX/year>. I called to inquire on why I didn't receive my refund and they told me to contact HUD. HUD is telling me the lender needs to open a case. 

I am getting jerked around and want my money back. The MIP that was paid upfront in closing for the purchase of XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX. Total upfront MIP was in the amount of {$11000.00}. 

FHA ( Case Number XXXX ) ). 

I am attaching my closing disclosures when I purchased the home that shows the payment was paid upfront and the letter received from my lender when I sold my home. 

My new address follows below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX FL XXXX Please advise on the status. 

Thank you, XXXX XXXX
Product: Checking or savings account

I bank with Bank of America XX/XX/XXXX I noticed a transaction from a company I did not recognize for {$120.00}, I called the bank and advised them of this transaction and they were able to look back and see that the company has been taking money out of my account since XXXX. All the transactions are totaling up to {$6000.00}. 
The bank stated that they can only investigate the transactions that go back no further than a year. Those transactions equal up to {$1000.00}. 
I asked that when they investigate the transactions that fall within a years time will they be able to go back further to refund me the remaining of the unauthorized transactions but they stated they can only do a years time. 
This is discouraging due to the fact that they have taken so much of my money illegally I feel that may bank should refund me everything that was taken and not allow the previous fraudulent behavior to stand.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to formally file a complaint and request the immediate removal of several fraudulent items that persistently appear on my credit report. These fraudulent items have been inaccurately affecting my credit score and financial reputation. The fraudulent items include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This account has never belonged to me, and I have never authorized any transactions or services associated with it. It has been fraudulently reported on my credit report, and I request its immediate removal. have never had any dealings with this account, and it has been fraudulently reported without my consent. I demand that it be removed from my credit report promptly. This account is entirely fictitious and has been added to my credit report without any legitimate basis. It is imperative that it be removed to prevent further damage to my creditworthiness. 

I have taken several steps to address these fraudulent items, including reporting the issue to the respective creditors, disputing the items, and filing a police report. I have also initiated a fraud alert with the credit bureaus to protect my credit file from further unauthorized activities. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I insist that you investigate and rectify these fraudulent items on my credit report immediately. Under the FCRA, you are required to investigate disputed information within 30 days and inform me of the results. If the information is found to be fraudulent or inaccurate, I request that you provide me with an updated credit report reflecting the removal of these items.
Product: Debt collection

I received a letter about a debt I have no idea what /where/when this debt accord because I don't even have a computer or anything that would caused that much to repair, none the least even know who these people are.
Product: Credit card or prepaid card

On XX/XX/XXXX Discover closed my account which I had since XXXX with not even one derogatory remark and with a credit limit of {$18000.00}. When I called the company they claimed it was closed due to inactivity even though I explained that I use it to make large purchases and that it hasn't even been a year since the last time I used it. They explain that I would have to apply again and lose my credit history since XXXX. It is unfair that they would do this without even notifying me first. Now my credit score dropped due to my credit utilization increasing after losing this credit line.
Product: Checking or savings account

On XX/XX/XXXX I deposited a check into my TD account. It was for our company, in which I was authorized to sign for. The check was accepted and held. On XX/XX/XXXX the funds were taken from the signers account and my TD bank account was closed. This was after TD bank representatives contacted my client and he authorized the check to be deposited into said account. That same day, my account was closed. I called and they told me after XXXX  days the amount in the account would be sent in check form to my address. I have contacted TD Bank numerous times and am given the run around each week. They have stated that the check was bad, which I have proof it was debited from the signers account. They also told me it was in a special account and will be sent back on their time. We are now into XXXX and I have no answers or anyone who will speak to me. I have contacted ( XXXX ) XXXX on XX/XX/XXXX and left a message with no response. This is the fraud department. I have again contacted them with no answers. I need either the check back or my client needs to be refunded his money so he can reissue me a check.
Product: Checking or savings account

On XX/XX/2022, I tried to purchase a hotel reservation on a credit card, in preparation for a summer vacation. The transaction was declined. I called USAA credit card services to inquire as to why it was declined, and they said it had been flagged as fraudulent. I told them that it was not fraud and that it was indeed a valid purchase that I was trying to make. The representative on the phone verified the recent transactions on the card, and I confirmed they were all legitimate. The representative then pre-authorized the amount and asked that I try to make the purchase once more. I tried, and again it was declined. She said that it may take the system 24 hrs to reset and asked me to try again the next day. The next day, I tried to make a small purchase at a local store and again my credit card was denied. Once I arrived home, I tried logging into my USAA online account, but it seemed to have been locked. I called the number on the website ( XXXX ) to get assistance with unlocking the account. Hold times were 12+ hours. I held on for a couple of hours, but no one had answered. I tried calling later that evening, this time the automated message said their offices were closed. Basically, I had no way to access my accounts and no one to talk to about it. The next day, tried calling again, and hold time was 16 hours! So, I drove to one of their physical offices and tried to withdraw money from one of my accounts. After showing my driver 's license to verify I was the primary account holder, the teller stated that my accounts were locked and that she was unable to access my accounts to see why they were locked. Nor could I withdraw any funds from my accounts. She gave me another number to call ( XXXX ) and said I may receive a faster response this way. Reluctantly, I called that number. This time, it said hold times were 1 hour. But I couldn't get anyone on the line after 1.5 hours. I found another representative in the lobby and told them I wanted to escalate the issue. She took me to a room where she wrote up my complaint and supposedly sent it to their escalation departments. But she was not able to show me what she had written on my behalf and I couldn't confirm that a proper complaint was filed. She said a manager would get back to me in 24-48 business hours. I have yet to receive any communication from USAA informing me of what the issue is or how to resolve it. Nor do I know if/when I'll get access to my accounts or funds. I've even tried calling the main USAA number ( XXXX ) numerous times. The hold times are always upwards of 8, 12 and 16 hours. I've tried staying on the call for 4.5 hours, only to find that the office has been closed. This is simply unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

The is my second dispute and the accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 

Account : USCB CORPORATION # XXXX - BAL : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the re-instatement of two fraudulent accounts on my credit report, which were previously removed after providing ample documentation proving the accounts were opened under identity theft. I request that you immediately investigate this matter and ensure these accounts are removed permanently, as they were previously resolved and should not have been re-added to my file. 

The following accounts were fraudulently opened in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX veteran trying tp purchase a home. I noticed that XXXX XXXX is duplicated twice on my equifax report listed below. I dont owe this company anything. 
According to Louisiana state law CC 2682. 
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. I have not EQUIFAX, Transunion have not showed proof please remove. This is affecting my ability to provide shelter for my family. 
Equifax 1. Date Reported : XX/XX/XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1500.00} XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1000.00}
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my ChasXXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Checking or savings account

On XX/XX/XXXX I was contacted by Citibank in the XXXX to ask if I recognised a check for {$8500.00}. I replied no and then I called the bank. I live in the XXXX XXXX at the moment. The person I spoke to when I finally got a person to speak with said not to worry it would be resolved in XXXX hours and to call back the next day. I checked my account and saw the {$8500.00} was pending. I assumed they would block the check. The next day I saw it was taken from my account. I called Citibank again and spent three hours on the phone. No one could tell me why the funds were taken from my account after I told them it was not a legitimate check. Then I was advised to close my account for protection and I could open a new one in a few minutes. Although the person I was speaking with knew that I was calling from the XXXX when I tried to open the account I could not because I was in the XXXX and would have to come back to the XXXX to open it. I wasn't planning to come back for a few months so that wasn't a solution. I then asked for my the remainder of the funds in the account {$18000.00} to be transferred electronically into my XXXX Citibank USD account. I was told it could not be done on the phone. I could get a check. I asked how the check would be sent and I was told regular mail. I said I did not want a check for that sum sent regular mail. It should be sent by XXXX. It took me XXXX hours to convince them to do so - I offered to pay. They said they would send me a form to fill out for the investigation. Needless to say the check did not arrive and I had to write to the CEO to get any action and even then it took a few weeks. This money was saved to pay my taxes here ( end of XXXX ) and to pay for lawyers fees ( my husband just passed away ) and I was about to transfer it when this happened to pay these bills. I also was put in a position where I could not receive my XXXX pension payments which went into the account on time. When the check arrived I sent it by recorded mail to XXXX Citibank XXXX account and a few days later when it wasn't in my account I called XXXX Citibank to be told it would take XXXX weeks for the check to be deposited. This is my money and I had no access and still have no access to it. I then contacted XXXX Citibank every day to find out where my {$8500.00} was. I was told I would receive it by XXXX on XX/XX/XXXX. When it did not arrive I called every day. No one could tell me anything about the check. Finally last week I was given a tracking number for XXXX. When I asked when it would arrive they could not tell me. I called XXXX and they said they weren't given anything to collect. It is over XXXX weeks and I don't have my money and I have been under considerable stress. This is a lot of money for me and after decades of being a Citibank customer I have been treated abominably. I sent another letter to the CEO and got a letter saying someone would be in touch in 15 days. This is unacceptable. I want action, I want compensation and I want interest. I feel totally impotent.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Account : XXXX XXXX XXXX XXXX  Account Number : XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately. I have XXXX late payments listed that were paid on time. Consumer agencies need to report all information with maximum accuracy. This account has not be late on payments. I have attached a copy of my report to this compliant on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. There is various inconsistencies and inaccuracies circled on the XXXX year payment history portion of the report. 
I am not requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payment be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Prepaid card

Funds was placed on two Amex Gift cards only to absolutely useless despite being active and correctly inputted. Still declined and I feel robbed.
Product: Credit reporting or other personal consumer reports

I have been trying to resolve an error since XXXX XXXX, that only experience is reporting. My credit report with Experian is showing two incorrect reports, first error is stating that I have had a late payment 30 days plus, second error is payment late 60 days plus. ( Which is incorrect ). Also on the same report Experian contradicts itself showing all my accounts are paid in full, on time, never late, pays as agreed ( which is correct ). Also is showing a rapid decline in my credit score, most recently showing my score at XXXX. However, the other two credit bureaus are showing accurate information with my score in the high XXXX. I have attempted multiple times to correct this issue with experience with no avail. I have been passed back-and-forth between disputes and member services as well as reaching out to them via phone, where Ive spent hours, emails, and US mail. Experian does not give me any explanation as to why their report is showing this and as why it is contradicting itself upon the same report. Instead of Experian trying to assist in correcting this error they just keep passing the blame on different apartments with an experience. Meanwhile, it is affecting my credit score due to their lack of willingness to rectify their incorrect reporting. Therefore, I am reaching out for your assistance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 usc 6802 /15 usc 6801