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

Subject : Second Request for Credit Information Correction - Non-Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to follow up on my previous letter dated XX/XX/year> in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on XXXX XXXX XXXX - XXXX - I was never late on this at all. To date, I have not received confirmation of the correction nor observed any changes in my credit report. 
As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the Fair Credit Reporting Act ( FCR
A ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Moreover, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

The non-compliance with these regulations has resulted in the appearance of late payments on my credit report, which has adversely affected my credit score. This situation is a violation of my rights under the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXXand Experian have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am going through a business process for my a new job. I had my credit report pulled and I found all types of errors and bad information on my report the following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, we purchased a XXXXXXXX XXXX XXXX XXXX XXXX  and financed it with Vystar Credit Union XXXX XXXX XXXX XXXX, FL XXXX. I set up automatic payments through my XXXX XXXX XXXXXXXX checking account that were transmitted successfully for 15 months. In addition, all of these payments included additional principal payments. 

On XX/XX/XXXX, I received an alert from my credit monitoring service of an adverse entry in my report, a 30 delinquent account reported by Vystar. I had not received any communications from Vystar regarding this account being in the rears. I contacted Vystar and was told they had not received my XXXX payment ( due XX/XX/XXXX, and also my XXXX XXXX ( due XX/XX/XXXX ). Although both payments cleared my bank on XXXX and XXXX respectively. I was told to get the electronic trace numbers from XXXX, which I did for both payments and provided to Vystar. On XX/XX/XXXX, I was notified that they had found both payments, reversed the late fee for XXXX, and credited both payments to my account. However, no one at Vystar knew how to correct their reporting to the credit bureaus. It took an Email to senior leadership to get that done. 

This morning, I got another alert that XXXX had received yet another delinquent account notice from my Vystar account, showing my XXXX payment 14 days past due, yet again ( paid and cleared on XXXX ). Again I did not receive any notice from Vystar that his account was in rears, which it shouldn't be since they claimed they credited both payments on XXXX XXXX. 

These two actions by Vystar had a negative impact on my credit rating, dropping it from XXXX to XXXX. Ironically, on XX/XX/XXXX once these payments were credited I complained to senior management. My credit rating went back up, only to once again drop. I find it distressing that despite having two phone numbers, email, and snail mail address Vystar makes no effort to notify a borrow of a late payment. This is the 21st century and every other creditor has an automated system to do so. Yet, Vystar 's only automation is to turn to the credit bureaus. I have to wonder, if I didn't have credit monitoring how long would they have continued to hold my money without crediting to my account? Would I have found out about it when the repo agent came for my RV?
Product: Debt collection

Credit control corp/ XXXX XXXX XXXX/ XX/XX/XXXX adv the company that the account was not mine and the company did n't remove the information from my credit report. 

Credit control corp/ XXXX XXXX XXXX/ XX/XX/XXXX adv the company the account was not owned by me disputed the account more than once and no changes have been made. 

Credit control corp/XXXX XXXX XXXXXXXX adv the company that the account was not mine disputed the account more than once and no changes have been made to my credit report.
Product: Checking or savings account

i have been trying to understand the {$70.00} withdrawals and the {$10.00} service charges posted on my statement period XX/XX/XXXX - XX/XX/XXXX i talked to XXXX in their XXXX maine office ( she so nasty ) she told me to go to the bank branch. 
i talked to XXXX at XXXX XXXX cor XXXX XXXX branch ( XXXX ) she can not help me understand the issue. i requested XXXX to send me a letter explaining the issue but she refused to send me a letter. 
Please help me get TD BANK to explain the issue.
Product: Credit card

I made an electronic online payment to my Bank of America credit card on XX/XX/year> from my XXXX checking account. Somehow a XXXX got added to the payment amount, and my bank sent B of A XXXX XXXX  instead of the amount of {$5800.00} which I intended to pay on the card, causing my Bank of America account to have a credit balance of - {$11000.00}, As a result of taking {$10000.00} more than anticipated from my XXXX checking account some of my XXXXXXXX XXXX checks started to bounce and I was notified of the overdraft by XXXXXXXX XXXX on XX/XX/year>. I immediately contacted Bank of America asking them to electronically send bank the credit balance, which they said they would do. I asked them to expedite it to avoid incurring multiple overdraft charges, and they said they would, [ this was through the XXXXXXXX XXXX customer service ]. It now has been XXXX  days since B of A received {$11000.00} more than the balance due on my card, and XXXX  days since I requested that the credit balance of {$810000.00} [ which includes a deduction for a subsequent charge ] be sent back electronically to my XXXXXXXX XXXX account. I called on XX/XX/year> and was told that the request has to be " reviewed '' before they issue the credit, but they don't know who reviews it, or what the review entails, nor could they give me any reason why it wasn't returned yet. As of today XX/XX/year> they are are still holding my money, making interest on it for B ofA, and I'm not getting any interest nor use of my money for an unreasonably long time. I gave BofA all my identifying information, so there should be no reason not to return it. It seems this unreasonable delay is to make B of A more money at the consumer 's expense.
Product: Credit card

Paid my Capital One cc bill on XX/XX/23. Called Capital One to see if they have received the payment, They verified that they did then put a 5 day hold on the available credit soni cant use my card. Requested they remove the hold and was denied.
Product: Credit card or prepaid card

disputed charge, which the bank was required to make available, while they began their inquiry yet they kept me from using the disputed amt by not making it avail to me, which according to fdic regulation they are require to By withholding the disputed amount the bank is recvg loaned-out interest at my expense {$700.00} is the amount that needs to be credited today to my credit card
Product: Debt collection

i was a victim of identity theft and the items are not mine and i request that they be deleted, also i will attach my FTC report below
Product: Credit card

My problem is deeper than what I can put in this box but I can start. I made a payment on my credit card the funds were available on my card they took it out of my account made it available reversed it saying that it was saying that was reverse payment because there was no there was inefficient funds turned around and made another payment of {$250.00} they took it out of my account applied it to the account and then said that I didn't pay didn't pay them then closed my account but when I talk to a representative they told me that my phone will be available by XX/XX/year> 14 days later after I made my payment I use my card it wasn't available I called again another person told me the funds will be available XX/XX/year> I use my card and still didn't work I called about the issue and then somebody else told me that the account was closed without my knowledge and they saying it's due to because reverse payments our system automatically closed your account due to reverse payments but the money has came out of my account I am out of all this money that I paid them back but they close my account without my knowledge I can't use my card they want me to reapply to hurt my credit score even more and they also put down that I had a late payment which hurt my credit score these are bad practices cuz I made all my payments on time the money was always in my account my car was always available my bank statement was always available they just take the money and put it back and declared it that it was not a payment I'm very upset I need somebody to please contact me immediately
Product: Credit card or prepaid card

Sometime at the start of the year, closer to XXXX, I was applying to credit cards to see who would take me since it would be my first card. One if those cards being from Capital One but i did not get approved. In XXXX i applied for the XXXX XXXXXXXX XXXX and got approved and that is the card i have now and while i was looking at my credit report for this month ( XXXX ) i saw a hard inquiry posted from Capital One, but that was the only time i had ever looked or applied to credit cards for it to impact my credit score this month. I do acknowledged that i used my card up a lot but the inquiry is what has me confused.
Product: Credit card

Last night, I performed a routine credit check on myself and discovered that my normally high ( XXXX ) XXXX XXXX had dipped significantly down to XXXX. I was shocked. Especially when I saw that a CapitalOne Credit card account had been opened in my name back in XX/XX/XXXX. I have never had any type of relationship with CapitolOne and never established credit card there. CapitolOne never reached out to notify me that an account was created. Nor to verify if I was the one who had actually established this account. CapitolOne informed me that an individual had used my social security number and my birthday which was used to open the account. Apparently, this individual charged over {$9500.00} and never paid it down. Why I wouldn't have been contacted after the first missed payment is baffling to me. CapitalOne then closed the account in XX/XX/XXXX ( again, no one contacted me regarding this account. After calling CapitalOne today, they informed me of the details that were used to open my account ( the email, phone number and address did not belong to me ). I have impeccable credit and have a long history of always paying my credit cards. This has been incredibly stressful for me as I am about to move apartments and need my high credit score to do so. If possible I would like this matter expedited as I am currently not able to move apartments until this is cleared up.
Product: Vehicle loan or lease

I have paid of my car in XXXX. They told me my title was sent out on XX/XX/XXXX, but I never received it. Now they are telling me I should have received it on XX/XX/20, but I didnt. They also told me they can not send out another copy, and that I would have to request on from the XXXX and pay for a duplicate copy. As a customer I have the right to receive my title. I dont think its okay for the customers to pay for something that was not handled properly.
Product: Credit reporting

On or about XXXX XXXX, 2014, I had suffer an injury while in XXXX and was treated at XXXX Hospital XXXX XXXX. I provided my XXXX New Jersey XXXX insurance information to XXXX Hospital. 
On or about XXXX 2014, I received a bill in the amount of {$540.00} from XXXX Hospital and soon thereafter it was reported to TransUnion credit agency as an unpaid debt. ( See Attach TransUnion Credit Report ) On or about XXXX XXXX, 2014, my insure XXXX NJ XXXX contacted XXXX Hospital advise them my bill was in full and on time, and they are to cease and desist billing me. ( See Attach XXXX NJ Letter dated XXXX XXXX, 2014 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last several weeks I have been talking to XXXX XXXX, a loan officer with XXXX XXXX and other companies about refinancing my mortgage loan, and Mr. XXXX asked me to email him a copy of my recent appraisal report so we can determine my equity. 
I recently obtained my credit report and saw a " hard inquiry '' was pulled on XX/XX/2018 by XXXX! I did not authorize anyone to obtain my credit report! 
XXXX XXXX called me a few days later and I asked him which credit company do they use to pull credit, and said XXXX! I asked him if he pulled my credit report and he said he will look into it, but i have never heard from him again! 
I received an email with an attachment of loan disclosures from the XXXX XXXX!
Product: Checking or savings account

On Sunday night I discovered someone was trying to deposit a electronic check my checking account at my bank and me and my bank also discovered other transactions that wasn't my doings and we filed fraud on the but however I am over my head in debt because someone has stolen my identity and my account information and and I have XXXX payday loans I can afford cover them and this problem at bank with identity theft and so I am {$7000.00} over my head in debt because identity theft scammers and hackers and thieves and credit bureau has my credit history all mess up where I can not consolidate my debts with a loan by letting these hackers and scammers use my identity to gain credit or do hard pulls and XXXX XXXX they are a liar I paid them every time each time on time but however I couldn't be at XXXX XXXX in 2023 I lived here in XXXX  Missouri then so please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Based On, 15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft not later than XXXX business days after the date of receipt. 

It has been XXXX days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b- 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 and no other. ( XXXX ) In Accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately.
Product: Debt collection

Collection letters were sent by BYL Collections for apartment rental agreement that I was listed as a guantor. I never agreed to or even knew that my name had been used for this. I explained this to BYL and on XX/XX/19 they sent me a bill for XXXX with my adult son 's name and an unsigned Guaranty of Lease document. BYL has nothing in their possession that indicates that the collection is valid. They have not done their due diligence to verify the facts.
Product: Checking or savings account

I received a letter that Suntrust Is closing my account. One of my checking accounts closed due to a negative balance of {$180.00}. I called Suntrust recovery department & told them that I would be paying the {$180.00} on XX/XX/2020. But the letter states my account would be closed. I disputed two transactions on XX/XX/2020 I was ruled in favor of. But now my account is subject to closure. I understand why Suntrust wasn't able to refund me all the overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED MY CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS THAT SHOULD NOT BE REPORTING TO MY EXPERIAN CREDIT REPORT. THEY ARE LISTED IN THE FTC REPORT. 

CFPB Write up In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX has violated my rights.

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments 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.
Product: Credit card

I applied for a Citi XXXX XXXX XXXX Credit Card when purchasing an airline ticket on XXXX XXXX website. The offer was to apply and receive a credit towards the purchase of my airline ticket ( see attachment ). I clicked on the Citi Bank link, and proceeded to apply for the card and was accepted immediately. However, Citi Bank did not provide me immediately with my account number so I could not purchase the ticket with my new credit card. This is FALSE advertisement and needs to be rectified.
Product: Credit card

On XX/XX/XXXX I purchased a pair of shoes in the XXXX XXXX Neiman Marcus store for {$700.00}. Unfortunately, the shoes did not fit so the next day I returned them the store and exchanged for size. The new size however was not in stock so I had to order a similar style that would later be delivered to my home. The difference was refunded to Capital One Neiman Marcus store card. The shoes arrived a few days later and did not fit. Unfortunately by the time they arrived to me, all Neiman Marcus stores were temporarily closed due to the Coronavirus global pandemic with no notice of when they would reopen. I called customer service to see if I could return the shoes via mail but was told that because it was an in store purchase I would only be able to return in store since it was an in store purchase. 

As a result of being temporarily laid off due to Covid and the fact that the shoes purchased would be returned eventually when stores reopened, I did not make a payment for the billing statement from XXXXXXXX XXXXXX/XX/XXXX. This was the only purchase on my statement. I did not carry any other balance aside from this purchase. Despite calling customer service several times inquiring about said return and informing them a payment would not be made, I was assessed a late fee on XX/XX/XXXX when my XX/XX/XXXXXXXX  billing statement arrived. A month later, stores were still not opened nor did I make any new purchases or payments, as a result I was assessed another {$25.00} late on XX/XX/XXXX, and again on XX/XX/XXXXXXXX 

Stores finally reopened in XX/XX/XXXX and I was able to return the shoes that did not fit. I called customer service and after speaking to several representatives who gave me the runaround, I was finally given a refund for the numerous late fees assessed. 

While I was refunded the fees and eventually granted the refund for the shoes that did not fit, almost 5 years later this is still affecting me as the payment history reported on this account to the credit bureaus shows I was 60 days late for the month of XXXX and XXXX of XXXX. Despite being temporary laid off due to a global pandemic and simply not being given the opportunity to return an item that simply did not fit due to store closure, I am still being punished as this reporting has an adverse affect on my credit report and whether lenders feel I am credit worthy. I have reached out to Neiman Marcus Capital One in attempt to have the rectified several times over the course of the last 3-4 years and have been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX   2017 , I settled credit card debts with  XXXX  on behalf of chase bank eliminating my liability on  XXXX  credit cards I had with them. After more than 3 months, chase has failed to accurately update my credit report. They updated the report showing the  Settlement  payments that I made but still reflect a past due balance and status as charge off/collection. I have spoken both with chase and the credit bureaus multiple times without success.
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. I told XXXX, XXXX XXXX equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Debt collection

NOTICE AND DEMAND TransUnion is conspiring to the act with an alleged debt collector. XXXX XXXX  XXXX have been noticed that I am a victim of identity theft however, with their pompous attitude of being above the law, they still continued forward and XXXX conspired with trans union to report erroneous false claims I will be charging a {$10000.00} fee daily from here on for the false claims act. ( 2 ) XXXX XXXX  has XXXX conspired with Trans Union to deprive me a man of my rights and I will be charging {$10000.00} daily under title XXXX8 to 42. The deprivation of rights. The companies have stultified and are causing your repairable damage, and I will be seeking out at the insurance commissioners office in their state to file a claim on their surety bond for damages.