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

I am disputing incorrect information being reported on my credit report by XXXX XXXX regarding a credit card account that I previously held. 

- **Account Number : ** XXXX - **Account Status : ** Closed - **Payment Status : ** Charge-off - **Balance Owed : ** {$960.00} - **Credit Limit : ** {$1100.00} - **Account Type : ** XXXX  - **Account Rating : ** Closed - **Date Opened : ** XX/XX/XXXX - **Date Reported : ** XX/XX/XXXX - **Date of Last Activity : ** XX/XX/XXXX - **Last Verified Date : ** XX/XX/XXXX - **Closed Date : ** XX/XX/XXXX **What happened : ** I had a credit card with XXXX  XXXX, and I have never missed a payment on this account. Despite this, my credit report incorrectly shows a balance of {$960.00} listed as a charge-off. I have contacted XXXX XXXX multiple times to request that they update my credit report to reflect " paid as agreed and never late. '' However, I keep getting the runaround, with representatives promising to make the updates, but no action has been taken. 

**Action Requested : ** I am requesting that XXXX XXXX update my account to accurately reflect that the account was paid as agreed, with no late payments or charge-offs, and remove the negative and false information currently being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) ( XXXX ) A person shall not furnish any information relating to 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

The lack of timely updating by creditors to both of our credit reports which impacts our ability to get any or correct and non usurious financing. Both my account and my wife 's account need to be identified and both of our specific credit reports updated correctly since the government forces us to be linked. The credit report balances are incorrect by as much as two months. The disputes are never finalized and third party credit reporting is even more incorrect. In my opinion a great scam creating fraudulent information being submitted to lenders. Since the Credit Bureaus dance around the problem consistently reporting back they merely collect the data, then the problem evidently is in the correct and timely reporting of payments and balances since these banks are quick to post negatives even when wrong! Try to correct them 60 or 90 days if that. EVEN though I requested the correct balances be validated and supplied a credit bureau fax number the correct amounts were not posted. Hence my scores actually went down further impacting our ability to secure funding in any manner with adverse actions even from those we never submitted to who pulled unauthorized reports. Even while balances were INCORRECT for a considerable time and adjustments were finally made 6 or 8 months later our credit was impacted and we were left with little to no recourse under the laws written by the honorable s.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written letters to XXXX, XXXX, and Transunion to delete this account that is older than 7 years on my credit report. They have been ignoring my requests. So I sent a letter directly to XXXX XXXX, pretty much asking them to stop reporting an account that is older than XXXX XXXX XXXX because that is against the law. Instead of deleting it, they sent me a contract as their " proof '' of reporting. But what good is providing proof of a contract when the contract clearly says XXXX on the header of the paperwork ( attached ). It is XXXX! Also, XXXX is not reporting because they are aware that it is past the 7 years statute for reporting time. Delete the account with XXXX XXXX ( Account # XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : JPMCB HOME XXXX Date Open : XX/XX/1999 Balance : {$620000.00}.
Product: Credit reporting or other personal consumer reports

Recently i looked at copy my credit report and noticed several inaccuracies on my account, this account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 
please delete as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit card

I set up automatic payments for my credit card. Payments are due on the 3rd of each month. They're only supposed to take the monthly minimum payment which is roughly about {$200.00}. On XX/XX/year>, they took the whole amount owed on the card ( {$7300.00} ) instead of the minimum monthly payment without my permission. This overdrew my checking account by {$5300.00}. I called to resolve the issue on XX/XX/year>. They said that they were unable to assist my until the payment was done pending. Furthermore, they said that IF they were able to issue a refund after the pending process, it would take at least 7 business days to process. I told them that this was there mistake and that they need to cancel the transaction. They said that they were unable to issue a refund. This means I'm going to have negative {$5300.00} in my checking account for at least 7 days. During this time, I have other bills to pay! This isn't right. They need to refund the money now. They should have only took the minimum payment like they were supposed to!
Product: Checking or savings account

Dear Sir/Madam, Ive been a premier checking account customer of Bank of the West ( BOTW ) since XX/XX/XXXX. On XX/XX/XXXX, Ive received a notification letter ( dated XX/XX/XXXX ) from BOTW informing me that my account ( XXXX ) will be closed on XX/XX/XXXX ( transactions to/from the account will be suspended from XX/XX/XXXX ). The only reasoning that BOTM provided for cancellation of my account is that BOTW is exercising its right as stated in the letter we may close your Account at any time, with or without cause.! I followed up with BOTW branch as well as their customer service team and they couldnt provide any further details. Being a customer of BOTW, Ive never violated any of contract policy or have any dispute with them.

The fact that a regulated bank like BOTW can suddenly deny service to a customer without any proper cause and the lack of transparency in the whole process goes against the spirit of providing reliable financial service. The timing of the letter and short notice of service cancellation have caused severe stress in my side. How come an approved financial institute can act as if its operating a cartel and have ultimate authority to decide on whom/how/when to provide service to common people? In my opinion, this is an utter discrimination against a customer from visible minority. I request your office to investigate this incident and take necessary actions against BOTW so that no such incident occurs to another customer in future. Please let me know if you need any additional information. 

Best regards,
Product: Credit card

I'm deeply troubled by the addition of this late payment to my account, as my payment history has consistently shown punctuality. This situation is causing me considerable distress, and I implore you to correct this mistake promptly by removing it from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a fraud report back in 2016 with the county of XXXX Police department and submitted to all the creditor that it affected. But the information is still showing on my credit report and XXXX  XXXX XXXX sold the account to a debit collector and now I have both of them reporting the debit to 3 credit agencies.
Product: Credit reporting or other personal consumer reports

Ive had several companies contact me and said that it looks like I am a person who is expected to have identity identity, theft I was told that my name is on major things and it is not the correct social or correct address to information.
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 has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX  # XXXX has violated my rights. 
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: Debt collection

Now there is another company that opened up an account in my name and it is on my credit report. The company name is Second Roundup LP. This company got my name from XXXX XXXX. this company has access to my personal information. These collections companies purpose is to destroy my credit rating. The fact that they opened up an account is my name is fraud. It is fraud because I was not aware of this company had opened up an account in my name with information given to them by XXXX XXXX.
Product: Credit card or prepaid card

I loaded {$220.00} on XX/XX/18 on my Netspend prepaid card..I paid a XXXX XXXX XXXX  bill & I immediately had them reverse the payment.Today is XX/XX/XXXX & my payment is still pending.I 've called all week long & all the reps giving me the run around.I 've sent my cancelled confirmation & the supervisor of Netspend 2 of them even spoke with an XXXX XXXX XXXX  rep who confirmed the payment was reversed & still my money is pending..PLEASE HELP ME
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Student loan

On XX/XX/XXXX, XXXX payments were processed by XXXX in the amount {$250.00} each. One payment was for the month of XXXX, the other was for the month of XXXX. Because these were both processed in the month of XXXX, FedLoans is alleging that no payment was made in XXXX, and that all payments made in the months that followed were considered delinquent. Ive reached out to representatives at XXXX directly. Their records show the two payments in question counting towards the proper months and theyve confirmed that my account has never been delinquent. FedLoans claims this negates payments I made on-time and in-full, spanning from XX/XX/XXXX until XX/XX/XXXX. 
During this time period, similar situations occurred in XX/XX/XXXX and XX/XX/XXXX, where two payments drafted in the same month were posted in XXXX records for two separate months. My XXXX records show two sets of {$39.00} and {$210.00} payments on XX/XX/XXXX and XX/XX/XXXX that count toward XXXX and XXXX of that year. Records show similar sets of payments on XX/XX/XXXX and XX/XX/XXXX. According to XXXX these counted as my XX/XX/XXXX and XX/XX/XXXX payments. 
For the period spanning XX/XX/XXXX to XX/XX/XXXX, XXXX determined that I did not have to make payments, based on my income-based loan application for that year. The attached XXXX records show {$0.00} payments each month and no delinquency or late fees associated with this time period. 
FedLoans is also alleging that no payments were made during the span from XX/XX/XXXX to XX/XX/XXXX. Ive attached bank statements from all XXXX months showing the withdrawals from my account. For XXXX, XXXX, and XXXX, Ive also attached screenshots of the payments shown within my XXXX online account. In XX/XX/XXXX I began the process of transferring my loan to FedLoans in preparation for student loan forgiveness. My bank statement shows that XXXX withdrew a payment on XX/XX/XXXX in the amount of {$2400.00} despite the fact that my online account does not show it. In my contact with the XXXX representative, they assured me that this payment was indeed transferred to FedLoans and that it would count toward the student loan forgiveness program. 
All of the above was discussed directly with FedLoans in XXXX and XX/XX/XXXX and a request was made that they recalculate my student loan payments. This is still in review. By my estimation I will have made 120 qualifying payments to my student loans in the next couple months and should be eligible for loan forgiveness at that time.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, ADVANTAGE Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, FACTUAL DATA Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX CARD Date of Inquiry XX/XX/XXXX, CXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX - XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit card

In XXXX I needed emergency dental care. My dentist advised a payment plan could be set up but only with a CareCredit Card. I made one purchase on the card for just over six thousand dollars. I started making payments on the card. After several months I received a letter indicating my interest rate would be increasing on any future purchases. It was already extremely high. I called and complained that this was unexpected since now the rate was going to be nearly 30 % but decided I would not use the card again. In XXXX of XXXX Care Credit advised I had applied under a promotional offer that was expiring and they tacked XXXX in interest onto my card. Now the card is overdrawn and I own over XXXX. I called and was told there is nothing they can do but if I had paid the card off in full within 30 days of the offer expiring they could help. There was no indication I was applying for a promotion when I got the card. I took out another card with much lower interest from another company and attempted to transfer the balance but CareCredit blocked the transaction and advised that if I wanted to do that, I had to do it with another one of their cards. This is a card utilized for medical issues and this is criminal behavior. There was no indication the card was a promotion or that this sort of unfair practice could be expected. Consumers should be allowed to pay off the card in anyway they wish since it is our debt. Medical providers need to be warned that they are setting their patients up to be scammed.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  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 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 XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX 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 p

ayment 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 21 days before the payment due date. 

XXXX 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!
Product: Checking or savings account

I was notified by letter that my checking and credit cards would be closed. I called to find out why and I was told I did not respond to a federal regulation asking for demographic questions such as marital status, etc. However, I told the USAA agent that I did complete this and every member on my account completed this. I was flabbergasted that after 15 years my accounts would be closed. The Agent checked and she said that two of the three completed the requested but my brother did not. However, I personally completed the questionnaire with my brother in person. I know he completed this 100 %. I am not sure if there was an electronic glitch or an issue with USAA 's app. I was also told I could not open any future accounts with USAA. I asked to speak to a supervisor and the she could not do anything at all. Worse, I asked to speak to a higher level person and I have yet to have received a call in the last two weeks. I am a service member in the XXXX XXXX and I don't understand why I am being treated this way. This seems to be an honest mistake somewhere and I just want to be able to open a USAA account again. This only seems fair.
Product: Checking or savings account

I opened an account with Citi bank XX/XX/2020. Account # XXXX ( Citi Priority ). I opened the account online with an assistance of a representative over the phone. At the time, For Citi Priority account they had an opening bonus of {$700.00} promotional code XXXX. I was required to deposit {$50000.00} within 30 days of opening the account. I deposited {$50000.00} XX/XX/2020. I was told I need to maintain the deposit for 60 days and I will be paid a {$700.00} within 90 days. Between then and the end of XXXX, I maintain the amount required. I contacted the bank about three times between XXXX and XXXX. I was told my bonus will be paid by XX/XX/XXXX. On XX/XX/XXXX I contacted the bank to check the status. I was told, they don't see any promotion and they will open an investigation. Today, I received an e-mail advising me, unfortunately they do not see any promotion code and they will not be paying any bonus.
Product: Credit reporting or other personal consumer reports

I have requested 3 times to have the XXXX XXXX removed from my credit report for {$2000.00}. I had not had provided any written notice that I would agree to have any of my financial information shared with a 3rd party. I was not provided any opt out choices. This violates 15 USC 6802 ( B ) ( 1 ) ( A ) AND ( B ) and ( C ).