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

Subject : Formal Complaint Against XXXX XXXX XXXX for Inaccurate Credit Reporting Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX regarding ongoing inaccuracies in my credit reports related to a leased vehicle that was eventually deemed a lemon under Californias Lemon Law. Despite multiple assurances from XXXX XXXX XXXX that my payment history would be cleared as a goodwill adjustment, the inaccurate information persists across all three major credit bureaus. 

Background of the Issue In XXXX, I leased a vehicle from XXXX XXXX XXXX that soon developed significant mechanical issues. The car spent several months in the shop, during which time I did not have possession of the vehicle. Despite this, I continued to make lease payments on time, as agreed. Eventually, the vehicle was deemed a lemon under California law, and XXXX XXXX XXXX assured me that as part of the resolution, my payment history would be cleared as a goodwill adjustment due to the significant inconvenience and financial burden I endured. 

However, despite these assurances, my credit reports with XXXX, TransUnion, and XXXX still reflect multiple late payments that should have been cleared. Specifically : XXXX & TransUnion : 30 Days Late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : 30 Days Late on XX/XX/XXXX Account shows as current as of XX/XX/XXXX, which is inaccurate as the lease has since been terminated. 

Attempts to Resolve the Issue I have made numerous attempts to rectify these inaccuracies directly with XXXX XXXX XXXX and the credit bureaus, but the errors persist. XXXX XXXX XXXX refusal to correct these mistakes has resulted in significant financial harm, including the deterioration of my credit score, difficulty obtaining financing, and potential loss of favorable credit terms. 

This ongoing issue represents a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires that companies furnish accurate information to the credit bureaus. XXXX XXXX XXXX failure to correct this known issue despite multiple opportunities to do so is not only negligent but also unlawful. 

Impact of the Inaccuracies The inaccurate reporting of late lease payments has severely impacted my financial situation. The vehicle in question was in XXXX  possession for several months due to its mechanical failures, during which I continued to make timely payments. These late payments should never have been reported, as the lease was under dispute and ultimately voided due to the vehicle being declared a lemon. 

The financial loss I have incurred due to these inaccuracies is significant, including higher interest rates on loans and credit cards, rejection of credit applications, and an overall decline in my creditworthiness.
Product: Credit reporting or other personal consumer reports

I have disputed several hard credit inquiries that I did not authorize. I have disputed several incorrect accounts showing delinquent as well. This issue has not been resolved and I would like to have any and all incorrect information removed from my credit report. Please see the companys listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXXXXXX and XXXX
Product: Debt collection

MCM-XXXX XXXX XXXX has been harassing me by phone for 10 years and with letters for 10 years for a debt from XXXX. I have moved 3 times and they still find my address and I put them on the do not call list and they just change phone numbers that they call me from to bypass it. I was punished for this debt in the form form of a XXXX as written off income by the company, XXXX. I had to claim it as income added to my real work income and I was taxed for it! They wrote it off if they sent me a XXXX yet MCM a 3rd party company will not quit bothering me for the debt because they want for me to pay THEM! They know it is wrong because at the bottom of the letter in very tiny print it " The law limits how long you can be sued on a debt and how long a debt can appear on your credit report. Due to the age of this debt, we will not sue you for it or report it to the credit bureau ''. I live in Texas and can not be sued for any credit card debt to begin with! They need to leave me ALONE!
Product: Credit card or prepaid card

I generally run a positive balance on my credit card at Bank of America ( BAC ) to ensure that if I miss a payment I am not debited with the inordinate charges that banks levy in such instances. 

Ever so often, BAC debits my credit card with the credit balance on my account, e.g., {$1000.00} on XX/XX/XXXX. A week later, my account shows a balance of {$680.00}, which obviously does not look right to me, as I had a credit balance of more than a XXXX XXXX a week ago. On investigation, I notice that they removed ( dare I say, stole? ) {$1000.00} from my account. This debit did not go straight into my current checking account. So, where is it? 

So, I now have to set aside time in my busy schedule to call them up and eventually find a person to whom I explain the situation. Much apologies, etc. but not sure where the money went. I told him it happened before and I think you sent me a check to cover the debit the amount in my account. 

First of all, I don't want a check, another waste of my time. Secondly, if it takes a week for the check to get to me, they had the free use ( float ) of my XXXX  XXXX  for a week. Multiply this practice by a million customers and the bank has just created a billion-dollar float. 

I warned them that I was going to file a complaint with the FTC, so, they promised me that someone from the bank would call me and leave a message if I don't answer. I ask them to text me to let me know of the failed attempt to contact me. Well, almost two days later and no call, no text. Hence, the reason for filing a complaint. ( Other than that, BAC has been my bank since XXXX, and it has been a happy relationship. ) They have to stop the practice of removing credit balances from credit cards. If they insist, then they must immediately wire the money back into the account from which the transfer was made in the first instance. They should not have the right to hold my money form from XX/XX/XXXX to XX/XX/XXXX and counting. I'm sure you will agree it is almost unconscionable. 

This has happened before and I pleaded with them to stop doing this, but they are hard of hearing. Maybe this complaint will correct the matter.
Product: Credit reporting or other personal consumer reports

I asked transunion to freeze my account due to a lot of fraudulent items I kept finding on my report, they still allowed things to come through leaving me open to fraudulent activities on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out multiple Dispute letters including the dates of XX/XX/2023 and XX/XX/2023. I have sent dispute letters to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have also sent letters to XXXX, Equifax, and XXXX. 
These companies are reporting inaccurate information on all three credit bureaus. By law in reference to 15 USC 1681 the information needs to be removed or corrected. This information needs to be reviewed again because this information is inaccurate and should not be verified. This is having a huge impact on me trying to purchase a home. I have attached a FTC report as well as the dispute letters sent out.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a late payment entry that appears on my credit report. Upon reviewing my credit report, I noticed a late payment listed ( XX/XX/2021 ), which I believe to be inaccurate.My account with XXXX XXXX XXXX XXXX was never late.According to FCRA Section 1681e, a creditor may not treat a payment on a credit card account as late for any purpose unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the required information, is mailed or delivered to the consumer not later than 21 days before the payment due date.I request that you conduct a comprehensive investigation into this matter and provide verifiable proof with records showing that I have late payments.If the information can not be verified I demand these payments be updated immediately. Thank you for you understanding and prompt action.I request that you investigate whether the creditor in question has adhered to the aforementioned requirements regarding the timely delivery of periodic statements. If it is found that the creditor has failed to do so, any reported late payments would be inaccurate and should be rectified accordingly.
Product: Credit card or prepaid card

I had 2 Citibank credit cards. I was paying on them on time and never 30 past due. XXXX of the cards had $ XXXX balance and the other one has about {$1000.00}. 

I flip houses- and was getting ready to refinance the flip I incurred these bills on. During the flip - they closed the {$11000.00} one for NO GOOD REASON. I was paying on time. This tanked my credit score XXXX points. Now as I am trying to refinance my loan on this flip- they closed my other {$1000.00} one - and they were still getting their money before 30 day past due. This last closure- for no good reason tanked my credit score another XXXX points. 

I was in the middle of refinancing out of the construction loan to more favorable terms so I can pay my bills OFF and honor my debts when CITI closed my second acct - therefore I lost the refinance. All this EVEN WHEN IN GOOD FAITH I WAS PAYING MY BILLS ON TIME.. 

Now because I can not refinance - I might lose that house because of CITIBANK. 

Have I reached out to CITI? I have spent hours upon hours on the phone getting switched to this person and that, getting hung up on, filling out on line forms for help and answers- even setting up a face to face zoom with a so-called XXXX manager. I WAS ABLE TO SPEAK TO NO ONE. The face to face meeting I had set up never called me. 

I need answers regarding how this type of service ( or lack of ) can exist in the United States. I want to know how this company can indiscriminately close my accounts. Aren't there any protections for consumers? I also want my accounts reinstated and my credit fixed. I have suffered a great deal, to the point of not being able to feed my family to keep my credit rating intact and to pay my bills. I was getting ready to pay off those cards- and now due to their indiscriminate actions I may have to file bankruptcy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX shows that I havent paid them since XXXXXXXX XXXX I have no idea who they are and haven't had an account that I haven't paid since the end of XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, FULL payment of the loan was paid via check. 
On XX/XX/XXXX, the over payment was issued via check to me and the account was closed AFTER I contacted them asking why nothing had happened with the account. 
On XX/XX/XXXX, I filed a dispute through XXXX  that the account was paid in full because I was trying to obtain financing for a vehicle purchase and was told that my debt to income ratio was too high because of this loan. 
On XX/XX/XXXX, Greensky told XXXX  that the account was NOT paid in full. 
On XX/XX/XXXX, I filed a second dispute through XXXX  that the account was paid in full AND uploaded documentation showing that it was paid. 
On XX/XX/XXXX, I contacted Greensky who confirmed that the account was paid in full and told me that they had told XXXX that it was paid in full but " XXXX   takes 30-60 days to update ''. XXXXOn XX/XX/XXXX, XXXX  received another denial from Greensky stating that the account was not paid in full and it was to remain on my credit report. 
And now ... I'm filing this complaint because no one should have to FIGHT to have their credit updated after paying off a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts with XXXX, a mortgage, and home equity line of credit for my house. 
both accounts were on forbearance with the company due to covid with auto-renewal. 
I had my mortgage for 21 years and home equity over 10 payments were always on time. 
My mortgage got auto forbearance but equity without my knowledge was not extended. 
I did not get a notice. The bank reported to the credit as been late. I called the bank and I was told there was nothing they can do I needed to dispute it with the credit bureau and due to internal issues equity line did not get auto forbearance like the mortgage account. I made the equity line payments to bring the account current and on time with XXXX but the credit report still shows late. This action brought my credit down significantly I am in process of refinancing this will affect my ability which I work very hard. I want XXXX to reverse their action on the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent EXPERIAN a certified letter to try to get this matter resolved under tracking # XXXX. The letter has been received. 

There are 4 accounts being furnished under my consumer report which are : XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 usc 1681- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) In accordance with the written instructions of the consumer of whom it relates. 

I XXXX XXXX, the consumer have never given EXPERIAN any written consent to report/furnish anything on my consumer report. No consent is Identity theft. 

This is a direct violation by your company.
Product: Checking or savings account

We opened an educational savings accounts for our children at Bank of the West in XXXX, New Mexico. We receive periodic statements. One my son 's is getting ready to go to college so I was accessing the accounts on line and found that my younger son had an account that was missing. I dug through all the old statements and found a statement that had been sent with all the other statements ( XXXX savings accounts in total ) that looked like every other statement but was titled " abandoned account ''. There is no number or email to contact but in small print it states that " the assets in your account will be turned over to the state of your last known address pursuant to the Abandoned Property Law, if you do not contact us. '' This was sent regular mail and identical to all the other statements. I have left two messages for our investment advisor, have gone to the bank in person, I have called Bank of the West customer service for investments two times and was hung up on both times, I have sent an email to the customer service email and I have sent an email to all the investment people at the Bank of the West in XXXX. I have received no response. I also checked the unclaimed property website in NM and found this account was not there. The money is missing and no one from the bank will respond.
Product: Debt collection

This was a XXXX cable bill that I had no knowledge of, however I paid it in full with the promise that they will no longer report this to my credit bureau. The used deceptive tactic to get me to pay and after i paid they did not do what they had promise.
Product: Credit card

I cancelled my services with XXXX in XX/XX/XXXX. They failed to process the cancellation. 

Capital One, who I've trusted for 18 years, failed to protect me, its customer, by allowing XXXX to charge a cancelled credit card. Charges occurred between XX/XX/XXXX and XX/XX/XXXX. 

When I called Capital One, they filed a dispute with XXXX. 

They insisted this is " a Visa problem '' and " they can't control XXXX. '' They informed me of a program that automatically updates credit card information so merchants can charge customers. 

If they know of this program, why would they not notify all customers? 

And if they now know specifically that XXXX uses this type of program, why are they failing to flag all accounts with XXXX charges and sending a notification to their customers to confirm the payment is approved. 

Yes, it shouldn't have taken me 14 months to catch this. That's why I bank with institutions I trust. Capital One is no longer an institution I can trust. 

This is a breach of security and a complete failure by a financial institution not to protect the customers trusting them.
Product: Credit reporting, credit repair services, 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 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 card or prepaid card

I am a XXXX XXXX XXXX working in XXXX, XXXX XXXX and submitting a complaint against my Home Depot Credit Services. In XX/XX/XXXX I purchased a home ( built in XXXX ) and I went to Home Depot ( HD ) to look at purchasing an XXXX unit. The HD Sales person that I worked with said I should get an HD Consumer Card which will allow me to defer the payments for 12-months. Because I had already spent $ XXXX making repairs I applied for the card and was approved for a {$12000.00} limit, the cost of the new XXXX  unit. 
opened the card. 

At the end of the 12-month promotion I had paid a total of {$3100.00} of the {$12000.00} and XXXX added {$3200.00} in interest charges to my account. I called and spoke to an HD Customer Service Rep and ask why is this so high? The Rep said if I pay her at that moment {$8800.00} HD would remove the interest. I advised her that I could pay now, but I need to hold onto my cash because I had just received a 60-day Termination notice by my employer due to COVID-19 and the King had shut down all Domestic and International Travel entering and leaving XXXX XXXX l. The HD Rep said I could place the account into the HD COVID-19 plan to halt payments for 2-3 months, which I did. At the end of the 3-months ( XX/XX/XXXX ) I owed {$12000.00} on a {$12000.00} Credit Card. I called HD again and asked if they would extend the promotional date due to COVID-19 and allow me to pay the balance without interest, but was told no. The Rep placed my Card back into the COVID-19 program to halt payments, but since that time I paid {$2400.00} in payments. I was allowed to return to work in XX/XX/XXXX but advised in XX/XX/XXXX that the US Military Ground Support Program will be terminated XXXX XX/XX/XXXX. 

On XXXX XX/XX/XXXX Citibank ( Owners of HD Card ) called and said my account was overdue and I owe {$790.00}, so I logged into my account and noticed my new account balance is {$12000.00}. Therefore, I called HD and asked again if they will extend the promotional date due to COVID-19 and allow me pay off the Card without the interest. I was told no, but can pay the full {$12000.00}. The Rep again placed my account into the COVID-19 program and on XXXX XX/XX/XXXX I made a payment of {$340.00}. 

As of XXXX XX/XX/XXXX ( 20-months ) I have paid HD {$5500.00} on a {$12000.00} Credit Card and HD has charged me {$5400.00} in Interest, that's 98 % of payments made and the XX/XX/XXXX statement states if I make minimum payments I can pay my Card in full in 26-YEARS or if I pay HD {$490.00} per month I can pay my Card in full in 3 years and save {$18000.00} on a {$12000.00} Card. 

This is unfair business practices and HD should not allowed to continue such practices which is why I took it to Social Media. I ask that you please contact HD regarding my issues and reach a mutual agreement for me to pay this Card in full, but not the {$12000.00} they are asking because I have already paid {$5500.00} on this {$12000.00} Card. Thanks and XXXX Bless our XXXX XXXX. 

XXXX, XXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Consumer Social Security NumberXXXX Consumer Date of Birth : XX/XX/year> Email : XXXX EQUIFAX Re : Dispute of Inaccurate Account on Credit Report Dear Sir/Madam , I am writing to dispute an account reported on my credit report, which I believe is inaccurate. The account listed under XXXX XXXX XXXX does not belong to me. According to the Fair Debt Collection Practices Act ( FDCPA ), I am not the individual responsible for this debt, and I request that you investigate and correct this error. 
Under 15 U.S.C. 1692e, it is prohibited to falsely represent the identity of the debtor. This collection account is the result of an inaccurate identification, and I request that this account be removed immediately from my credit report. 
Additionally, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that inaccurate information be corrected or removed. I request that you conduct a thorough investigation and confirm the information 's accuracy within the XXXX statutory period. 
Please provide me with written confirmation of the investigation results and actions taken. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent account # XXXX, has violated my rights. 


15 USC 1681 Section 602 States I have a right to privacy. 

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

15 USC 166B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
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 Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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, credit repair services, or other personal consumer reports

This phone number that comes up as Citi Home Depot continues to call me at least four times a day leaving me a message in my voicemail for the last month. Their phone number is XXXX. I tried to call them back but they want a account number or my social security number and there was is no way to reach a customer service rep. I would for them to stop calling me cuz I do not have a Home Depot account and there is no way to tell them this so will you please get this stopped for me. Thank you