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

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent [ Put Creditor Name Here ] you furnished alleged transaction on my { Experian, XXXX, XXXX ( Chose the CRA that the late payment was furnished to } that you identified as late. 
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report.

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( 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.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. 
Do not rely to me stating that you are furnishing accurate information because we both know your not. 
Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to from the receipt of this notice to provide the required information or delete the transaction you have listed as late : XXXX XXXX XXXX XXXX Without Recourse UCC XXXX
Product: Credit card or prepaid card

US Bank took over my State Farm credit card which was XXXX XXXX interest since inception. Earlier this year, they mailed out a letter saying my rate was going up XXXX XXXX due to my credit report and their recent review. 

I complained to State Farm to no avail. Then I called US Bank and spoke with " XXXX XXXX '' by phone in the third week of XX/XX/XXXX. I stated I needed a copy of the letter which I could not locate in my home. It was recently received. In the phone call to this US bank employee, she denied the interest change was specific to my individual credit. She proclaimed all got a recent rise in an interest rate increase. 

I am supplying the letter as documentation that clearly proves the jump in my rate on my card ( as of XX/XX/XXXX ) was due to MY credit score and MY credit review by them. I am also enclosing their second fraudulent solicitation received by me stating any balance transfer I make right now will be at the lower XXXX XXXX rate. This is not true as the boost in rates applies to " all usage '' after XX/XX/XXXX '' as stated in the letter Upon further examination, I see that a prior balance transfer is crediting all my payments towards that transfer first when I have made them. The remaining balance on that XXXX balance transfer is only {$210.00}. This is not what I understood when I took the offer last year. They are prematurely paying off the zero interest balance about XXXX months early and letting interest stack up on all purchase balances. That seems illegal. If not, I am not sure it was disclosed. 

I have quit using the card and it is scheduled for payoff soon. I don't trust US bank after seeing how they market lies across state lines and their staff lies when you call in. They make it difficult to have a trail of correspondence. Only they can message you in their online app. They do not allow me to message them with this complaint of numerous infractions. 
So, since they don't allow written `` trail '' complaints online, I am complaining to you and the Arizona AG office next. Seeing illegal activity as I have found in their operations, what else are they doing illegal?
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 XXXXXXXX : Account Number : XXXX  Account Name : XXXXXXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 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

Debt collector from Asset Recovery Solutions , LLC stated that his company represents a legal firm and that my debt was in pending litigation. I did state I 'm having financial difficulties. I am willing to establish a payment plan. However, he wanted me to pay NOW {$250.00} to secure the " payment '' agreement with a credit card. I told him I could n't do that. He suggested I borrow the money. The Debt collector stated that to get it out of litigation I would need to make a payment immediately that would put the debt back with him and not with the law firm. He told me I had a week and if I did n't make a payment before then it would go back to the lawyers.
Product: Debt collection

Copy of agreement with my wet signature saying i agree for them collect on this debt!
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 XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or 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: Mortgage

My Name is XXXX I am a XXXX XXXX for 15 years, employment income around XXXX /year My wife XXXX is a XXXX  her income is around XXXX /year I also have a small online business with gross yearly sale around XXXX plus I have 3 rental properties all paid off I do not owe any money on any of them and yearly net rental income is around XXXX the only obligations I have is my primary resident mortgage which is {$1700.00} / month my credit score almost 800 with out any negative issues same is my wife`s credit score. 
I applied for a home equity line of credit from TD Bank on property I own, The property is appraised for XXXX k and i requested XXXX to buy another investment property my application was initially approved and appraisal was sent to property then all the sudden the person was in charge of the case stop answering the phone and I had to contact her manager which she did not like and when she talk to me she was so rude and upset and start ask for non sense documents which I have had already submitted. One of the calls she said do you think I am stupid and she had remarks on my name and my age ( check recorded calls ) all the sudden she calls me so happy that my application is denied because I can not meet my obligations.I felt that was wrong and unfair to be denied with all income listed above i feel i been denied because of my age or origin.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been working on this issue for 18 months, so I'm happy to see that I am able to report Experian to the CFPB here. Long story short, my current mortgage is not reflected on my credit report and I need it to be ( it should increase my credit score ). This was a problem a year ago and I tried so many times to have it fixed that I just quit. Now I am trying again. About 6 months ago I started some credit disputes through Experian. I am disputing the fact that my mortgage is not reflected on my credit report. 

Their disputes department has directed me every time to have my mortgage lender upload the documents showing the details of my mortgage. My mortgage lender XXXX XXXX XXXX XXXX ) has done this 4 or 5 times now in the last 6 months. Each time, XXXX XXXX is sending me screenshots of the cases in the XXXX system showing me they are sending my mortgage documents to Experian. They also give me a case reference number every time that I can give to Experian. However, Experian still never updates my credit report to show my existing mortgage. Every single time I call about this, they literally tell me they can't tell me if they have received the info from my mortgage company or not, and they have me direct my mortgage company to call their Experian rep. I tell them we have done this many times already, and they tell me this is all that I can do. 

My mortgage company has tried contacting their Experian rep several times over the past few months. The rep never calls back, and they never confirm that they are receiving my mortgage information. At this point it seems like it is literally impossible to get Experian to give me an answer about how to get this fixed, and also impossible for my lender to even contact them .I don't know what else to do. 

Thank you for hearing me out, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$2500.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, the following accounts have violated my rights : 1. XXXX ( XXXX ) Account # XXXX 2. Experian ( XXXX ) Account # 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I took out a Personal Loan with SoFi Bank for $ XXXX 11.99 % ( NO pre-pay penalties ), with auto-payments setup from my new SoFi checking account.. 
On XX/XX/XXXX I found a different loan company with a lower interest rate, 5.99 %. I opened that and then sent a large payment of $ XXXX for principal only on the SoFi Bank loan on XX/XX/XXXX, knowing my regular payment was being withdrawn automatically from my bank account a couple days later. Both payments were processed, posted and confirmations were received ( see below ) ). 
I then proceeded to close the loan. However, I found that SoFi only applied partial payment to principal, charged me {$170.00} interest fee and then re-amortized the loan. I received a new email on XX/XX/XXXX that my regular payment did not clear due to insufficient funds ( even though I received a text, email and account notifications that stated BOTH payments posted )?! 
I called on XX/XX/XXXX and spoke to the manager, XXXX regarding this matter. I requested that the {$170.00} be credited and applied as it was requested to principal only. He stated no, that is how they do it. This made no sense since I specifically asked if there were any pre-payment penalties before I agreed to the loan. I requested that my accounts be closed immediately. I made direct payoff payments to him. 
As of today XX/XX/XXXX, I went online and found that they again, re-amortized the loan causing me a new balance owed of {$.00}. Had I not checked on this today, I would have received a late fee and credit score issues. This since we supposedly closed the accounts ( as I requested on XX/XX/XXXX ). These actions by this financial institute could really cause hardship to consumers. XX/XX/XXXX XXXX, I called SoFi rep, XXXX XXXX She said she sent in a request to clear it but could not confirm.
Product: Credit reporting or other personal consumer reports

This has been an ongoing issue with the Credit Reporting agencies ( XXXX, XXXX, and Experian ) reporting inaccurate information to my credit report. I've contacted each agency XXXX, XXXX, and XXXX of XXXX  to resolve the issue. There is an account showing in charge-off status that has since been cancelled, forgiven, and written off by the lender. The lender has written this debt off and it has now become taxable income. Taxable income CAN NOT be reported on a consumer 's profile. I've requested proof to show me where income is reported as debt on a credit profile and have yet to receive a response. Each bureau has the responsibility to report maximum accuracy on my credit profile. Reporting an account that is not disputable and is now considered income is now in violation of 15 USC 1681 ( e ) b
Product: Checking or savings account

XX/XX/2022 well fargo bank was close mine that was not right by the law. They have to investigate first. 
Because XXXX XXXX send me the check book with wrong account #, i am deposit check and was return. 
i am going to well fargo bank at XXXX XXXX XXXX, XXXX XXXX, ca show them mine check book was wrong account, and the receive copy of XXXX XXXX copy i have money in that account. 
well fargo is wrong doing this to me.
Product: Mortgage

At the beginning of this year XXXX, I received notice that my condo insurance provided by XXXX XXXX XXXX XXXX would be cancelled XXXX The mortgage servicer XXXX XXXX  and the condo insurance provider agents refused to speak to each other until I conferenced them in on XX/XX/XXXX. Overnight details to make payment were shared yet I came to realize towards the end of the month that a payment was never made, no attempts were made to follow up or confirm that the payment was received. I saw that {$590.00} to pay for the one year of premiums was released from my escrow account but I still had to pay to reinstate the plan out of my pocket in addition the released escrow funds. I paid for a quarter in the hopes that the money would be found. Today I received notice from the insurance provider via mail after a quarter of payment that my condo insurance policy would be cancelled again if I did not pay for the year. Once again, I paid out of pocket. But now I am out {$590.00} dollars because the escrow has not been refunded.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I was grabbed by an XXXX XXXX  man as I walked into the XXXX XXXX at XXXX. I asked what the problem was, and told no problem as I have XXXX XXXX correct. Yes why? He asked to see my card as they were setting people up for the XXXX XXXX line. Told him I did not have that and he looked at my cc and told me I qualify for XXXX XXXX  for 1 year. I will get a refund of {$190.00} after XXXX weeks. It's been XXXX weeks with no refund and I called Amex. They were so happy to hear from a customer for 26 years but said my card did not qualify. Then why was your representative telling me it did and actually pushing me through the steps. I called Amex who told me to call XXXX XXXX, I called XXXX XXXX who was like sorry but it is what it is, I have had people complain about this lately but I can't do anything for you sorry sorry sorry. Sorry is not going to cut when you lie and commit fraud. She told me it was my perogative to file a complaint. Yes it is. I am over the fraudulent claims and harassing nature of these companies, It needs to stop now. I hope you can help. I was up there with my sister who got diagnosed with XXXX on XX/XX/XXXX and died XX/XX/XXXX. I do not appreciate the fraudulent tactics of this company. I was traveling alone and had my husband when with me he may have scared them off. Please help with this egregious situation, praying on women alone is also very shabby business dealings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been damaged by Amex Credit because their random audit cut my account value to the point where I downgraded my card because it was not worth the annual fee anymore My credit score now is XXXX points lower on XXXX and XXXX points below than normal due to the Actions of Amex despite 19 years of experience and full service banking. 
I paid a debt that was not even actually due and have never been late yet all of my accounts were cut to the point that it is not worth using them just paying them off and reserving them for emergencies only rather than close them or just sue them for the damage they have done to me. 
I gave them supporting documents regarding how I make money and they refused to regard it. 
I am now submitting more paperwork than it took to secure the account in the first instance. My credit ranged from XXXX XXXX and I spoke with a supervisor there today who said that they would " do something '' to correct the damage to my credit. An hour later I received an email saying that my score dropped from ( XXXX ) XXXX, XXXX XXXX ) at XXXX... and I'm afraid to look at XXXX. 
I used Amex Bank and credit and they damaged my credit rating, no reason completely random with no forewarning. 
I am writing this complaint because I spoke to a supervisor who led me to believe that they would '' do something " to ensure my credit rating goes back to where it was but I don't believe this because an hour later I get a XXXX email saying there was a change to my score and XXXX XXXX notes a XXXX point drop. 
I am asking for rapid assistance as a means to avoid suing for the damages done to my credit rating to XXXX. 
Please help remedy this before I am forced to litigate or change my name to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re-aging of a 20 year old account. I have included evidence of how this company re-aged this account making the account appear as newly neglected debt. I have been denied credit so many times and I have kept every denial letter because i will need it for damages. 

I want to bring it to your attention just what these reporting agencies are fraudulent doing to deceive unsuspecting innocent consumers. 

While in good faith working on my credit, something I was never taught before, But always told to get your credit report to check for any errors and dispute anything thats not accurately reporting. I did that. Of course I see things I know shouldnt be there and I attempt to dispute online. I learned quickly that was a waste of time. I then decided to dispute by mail and requesting the information be validated and verified with the original agreement, account or document with my signature to match what they are inaccurately reporting. Absolutely noone honored my request. However most of the accounts are still inaccurately being reported. Every time I dispute an issue XXXX, equifax and XXXX XXXX comes with results saying it's been verified or its been updated. During my re investigation from the monitoring site only a few things changed. So it appeared. it appeared an account or two were claimed to be removed. And a few accounts what they did was changed and altered a name or date or something small they dont expect to be noticed. However I would print as I go because I know not so honest people will change and continue to alter things and if not paying attention, it would be missed. I noticed most or all and I took notice that whats being reported on requested credit reports is only fixed so the consumer sees what they want you too see. While i applied for new credit, i couldnt understand why the reason I was denied was, too many accounts with balances, collections, charge offs and derogatory. I was really confused. Because none of my reports showed me this. What I did was I subscribed to many other monitoring programs and I noticed HIDDEN ACCOUNTS! that I couldnt see on the report supplied to me. I dont see how XXXX, Equifax and XXXX can do this to consumers! I will attach evidence during my next few cases that I have to open because these agencies arent resolving the issue and are violating the FCRA and my rights to fair reporting. If i have to seek legal action for this fraudulent activities I am ready with all my evidence.
Product: Credit card or prepaid card

Using my Identity to purchase Computer and others items that do not know?