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

I wanted to dispute this on experian it would not let submit all my information .Dispute letter late payments Experian 15 U.S. Code 1681a Definitions : rules of construction [ U.S. Code ] US Law 1 L11 Legal information institute 15 U.S. Code 1681a - Responsibilities of furnisher of information to consumer reporting agencies ( a ) dirty of furnisher of information to provide accurate information.

1 ) Prohibition ( A ) reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( I ) -EXCLUSIONS- Except as provided in paragraph ( 3 ) the term consumer report does not include- ( A ) subject to section 1681s- 3 of this title any- ( I ) report containing information solely as to transaction or experience between the consumer and the person making the report : There is says consumer report in general the term consumer report means any written oral or other communication of any information by a consumer reporting agency bearing on a consumers creditworthiness credit standing credit capacity character general reputation personal characteristics or mode of living which is used or expected to be used or collected in whole or in part of the purpose of serving as a factor in establishing the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like the late payment on Experian not to delete a late payment. I would like Experian to change it to pay as agreed or change it to OK. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  address identification number XXXX XXXX residential type apartment geographical code XXXX XXXX XXXX I never resided at this address or lived at this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX See uploads. ID XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Certainly! Here 's the rewritten version of your statement : I consistently made on-time payments, paid off the lease early, and returned the vehicle ahead of schedule. I paid the full amount up to the last day of the lease. However, upon checking my credit report last week, I noticed a charge-off related to the leased vehicle, appearing XXXX years after the lease ended. When I called last week, I was informed that the charge-off was due to wear and tear on the vehicle. 

I had purchased warranties for wear and tear, as well as interior and exterior protection from the dealership. When I returned the vehicle, the dealership confirmed that everything was in good condition and assured me there would be no additional charges. 

When I contacted the dealership, which still exists, I was informed that it had changed ownership more than XXXX years ago and that the documents would be with the previous owner. Upon reaching out to the previous owner, I was told that all documents were either transferred to the new ownership or to Volkswagen itself. 

The account shows a charge-off, with {$2300.00} written off and {$2300.00} past due as of XX/XX/2024, despite never being late on payments.
Product: Credit reporting or other personal consumer reports

My student loans used to be handled by a lending company called XXXX but after I started working for the XXXX  and qualified for student loan forgiveness they transferred my loan to a company called XXXX. I have two issues now because XXXX is continuing to report my student debt as well as XXXX so it appears I have twice as much student loan debt on my report than I actually do.. also XXXX has been violated by the XXXX  administration and my account is in mandatory forbearance pending my income driven repayment agreement which should be set at XXXX continuing once the issue is resolved but XXXX is reporting that my payments are deferred and they keep adding interest to the balance in my credit report but there is supposed to be no interest during the forbearance. I would like XXXX to quit reporting and have it removed from my report and I would like a XXXX to report accurately and update everything but I have had no luck and it has caused me to be denied for a mortgage.
Product: Credit card

My card was closed in XX/XX/2018 when I had trouble making the payments after being laid off. I was told that the card was cancelled and that it couldn't be used anymore nor could it be reinstated. I have been paying {$100.00} a month to get it paid off and be done with it even though the payment was only {$30.00}. Today, I find out that they have been charging me a {$39.00} membership fee for the past 5 years and they said my card wasn't cancelled, it was restricted which means that the card can not be used or every opened again even if the balance is paid in full. To me cancelled and restricted sound exactly the same except for with it being restricted, they are allowed to charge me a membership fee with no benefits. They couldnt tell me what the membership benefits were when I asked. They also have never sent me a new card because the expiration date doesn't matter as the card can't be used. Again, that sounds like it is cancelled and they are just using semantics to charge me more money so I can never get this card paid off even though I have been paying extra for almost 6 years. If this isn't a case of UDAP, I don't know what is. This is an unfair and deceptive practice to get more money put of me that I do not owe. Why would anyone in their right mind, think their account was still open when they were told that the card was cancelled and could no longer be used except to pay off thr remaining balance? They have charged me an additional {$170.00} for a membership that has no benefits. I do not get a bill since the account was closed and I had set up automatic payment each month. It never showed online that they were charging me {$39.00} a year that I saw anywhere. I would like to have this money refunded back to my balance so I only have about {$500.00} left to pay instead of the almost {$800.00}. No one at any time ever mentioned that they considered my account restricted and that I had to pay a membership for a card that could not be used. I was also told that they report to the credit bureaus that my account is open with an available balance to use which is a lie. I have no available balance which means they are violating the equal credit opertunity act by reporting my account inaccurately. Please fix this so the membership fees are credited back to my account. I have been paying it off in good faith for almost 6 years thinking the account had been closed as I was told at the time. Any assistance you can provide would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account ABILITY RECOVERY SERVICES , LLC which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that ABILITY RECOVERY SERVICES , LLC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX
Product: Credit card or prepaid card

We got a flyer in the mail for a credit card from a company we have never heard of, named XXXX. There was an offer for a balance transfer at 0 % APR for the first 21 billing cycles following each balance transfer. As well as 0 % APR for purchases for the first 21 billing cycles following the opening of the card.

When we called to open the account, we wanted to wait until we got more information in the mail with the card, to look into it and make sure it was a valid credit card before we gave out our checking information for a balance transfer, but we very much opened the card to take advantage of the 0 % APR for 21 billing cycles for balance transfers. 
Fast forward to today, XX/XX/XXXX, we get the card in the mail and call to do the balance transfer. Come to find out, we apparently opened the account on XX/XX/XXXX, and are no longer able to get the 0 % APR balance transfer and there is no 0 % APR on purchases. We would not have gotten this card if it were not for the offer, and then upon calling the company, they say there is nothing they can do. We are literally on day 47, and feel that obviously being as we just got the card ( or any information past the little flyer in the mail ) in the mail in the first place today, it was obviously not even a valid offer to offer us the balance transfer, because we could not even take advantage of the offer. Also, the company is stating that there is no 0 % APR for purchases at all. We feel that this company is either really not a valid company or something is wrong with their business practices. We would like the account removed from our credit history and want nothing to do with this strange company that seems fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a notification that I had new credit inquiries listed on my credit report. I think checked my credit report and saw that I had the following new inquiries : XXXX inquiry XXXX XXXX Experian  inquiry XXXX XXXX and XXXX XXXX Bank I then froze my credit through XXXX, Experian, and XXXX. On XX/XX/2022 I contacted XXXX and XXXX XXXX Bank. Both banks told me that they have no record of an open account or any applications being submitted/opened with my ssn or name. I then filed disputes with XXXX and Experian to get these unauthorized inquiries off of my credit report. 

I am unsure of where to go from here. I have not applied for any credit and I have not given out my information. However, I am concerned that someone is using my information and trying to open accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made several calls to see why none of my payments was applied to my account and they failed to send them to me even in my email. The payments that I paid from my bank account over the phone were never applied and my account never changed. Even when I was in and out of the hospital they were calling me about payments even when I paid over the amount on a monthly basis. When I saw things on my statements that did not since to me and tried to reach out to them, they had no explanation at all. Then they sent me this letter and a new credit card saying that my account had been compromised and I have the letter to prove it. This has been a terrible experience with this first-ever credit card I will send you all the documents that I have submitted to them several times and they won't fix it and make it right and it's affecting my credit score big time and I'm tired of fighting with them on this matter.
Product: Credit reporting or other personal consumer reports

I am a natural person, i attempted several times to resolve the issue nothing was done. I am a living human being and I have rights under 15 USC 1681. Experian, XXXX and XXXX is governed by 15 USC 1681 and they've violated my rights numerous times. My personal information has been exposed in breaches, and information inaccurately and unlawfully reported. According to 15 USC 1681 I have a right to privacy and I never gave XXXX written or oral permission to furnish these accounts. I demand these accounts listed below are removed from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 an inquiry from XXXX XXXX  XXXX appeared on my TransUnion report. Contacted Transunion next day to notify of error or fraud. They told me I would have to submit a written complaint along with a Police Report? File a Police Report? Considering this is an agency in charge of keeping my credit history, which ultimately effects my life, this is totally unacceptable. I also reached out to XXXX XXXX XXXX with no success, you have to have an account to get through to anyone over the phone?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted OAC in XXXX Wisconsin for a debt placed on my XXXX report for {$59.00}. The debt was placed on XX/XX/2016. The collector told me that the payment will be reported to XXXX  and the debt will be removed within XXXX business days. Today, XX/XX/XXXX at XXXX pm, I called OAC to ask them if the removal request was sent. XXXX at OAC told me that it can take up to 120 days. I felt duped and felt like they lie to me. They have no intention to remove it. At least I would like the company to update my report that the debt has at least been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to sign up for free credit check and when clicked on the Transunion link it led me to create an account. Then it asked for my credit card information which was weird for anyone to ask for a free service but I reluctantly put my credit card information in. After creating an account for Transunion, they charged me {$24.00}! That is ridiculous when the link clearly states to make a free account.
Product: Credit card or prepaid card

Interest rate not accurately calculated over last 10 years. Paying extra on card is not showing reduction in interest based on daily average calculation. 
I have asked for audit of my account to correct interest rate charges. System company uses to reflect no minimum after paying more is poor consumer support. It gives false ideal that your ahead but just change more interest. 
My interest rate does not show change of daily average. It only shows current balance which is not correct. 
Im asking for a complete review of my interest rate charges on my Usaa credit cards.
Product: Mortgage

The first time I went to Bank of America to question the persistent {$4.00} a month charge I was told that it is because my auto payment comes from a Credit Union. I was instructed by the B of A employee that I should open a savings or checking account at B of A so the payment could be directly taken from that account. I declined to open a savings or checking account at B of A.

I checked with my credit union about the additional fee based in the payment coming from my account from them and was advised by the credit union employee that the information B of A employee gave me is incorrect and there should be NO ADDITIONAL FEE. 

I went back to B of A employee and reviewed the above. He apologized, said he could not credit the fees already collected but would stop the fee from being added from that point on. 

He seemed to have done that because, for a short time, the fee was removed however, after a brief amount of time the fee was reinstated, but moved under a category titled, " late fee. '' I went back to B of A and spoke w/ an employee about the return of the fee and that I HAVE NEVER HAD A LATE PAYMENT, EVER. The employee stated that he had no power to remove the charge and that fees are " common '' due to paperwork and other activities associated with the processing of the mortgage. 

1. Over the 15 year course of this loan B of A stands to gain over {$1200.00} in mystery fees.

2. It seems like an illegal practice for B of A to be mandating fees based on money moving from another lending institution while strongly encouraging a person to open an unnecessary account in their back, to avoid the fee.

3. How is it that 2 different employees could not come up with a consistent answer and permanently remove this fee?

4. Should anyone look at the B of A loan history against my credit union history, it is clear that the funds for the bi-weekly payments have consistently and without interruption, been in my checking account well ahead of the payment due date, but B of A has chosen not to take the payment out on the Friday due date and instead take it out on the following Monday. If there is a late situation created, it has been created by B of A. 
I also went to the XXXX XXXX XXXX of B of A last year to ask about the reason for the delay in the payment being removed on Monday instead of the Friday due date, and was advised by the B of A employee that " this is standard practice and does count against the loan holder as a late payment. '' That same employee could not offer any clarity on the continued $ XXXX fee either. 

Please see the attached XXXX files, with the B of A statements dating from the inception of this loan, 2017 to current payment. I will be looking forward to the results of your review.
Product: Credit card or prepaid card

AMEX continues to play with our business. After paying the balance in full, the XXXX card got the limit decreased for no reason. Now, paid XXXX balance and limit got cut by XXXX XXXX Both personal credit scores, mine, and my husband is XXXX, as well as business, growing XXXX XXXX over month. Nothing overdue, never miss a payment. Discrimination? Retaliation? I want an explanation written here so CFPB can investigate. I want the membership back as compensation for all the trouble AMEX caused to my business management.
Product: Credit reporting

I have been disputing incorrect information for months now. I have information previously saved where inquiries were not on my report when I logged in last and now it 's showing as a hard hit more than once. They 're also reporting wage earner accounts as past due and late, as well as stating it 's a open account. XXXX inquiries fell off my credit report and my credit has gone down. I have pictures and recordings and Transunion and XXXX basically puts what they want on your credit. I have sent them information in a few times and still no results. The attachment that is shown below verifies I have no past due accounts and now my credit report says that an old account is past due.
Product: Credit card or prepaid card

I received my new Citi AAdvantage Platinum Select card in the mail on XX/XX/XXXX and when I attempted to add it to XXXX XXXX on my XXXX, my account was placed on a fraud alert. I was able to resolve it ( albeit after calling four times ) with customer service and things went well until XX/XX/XXXX, when I attempted to add the same card to XXXX XXXX but on my watch. This triggered the fraud alert again and I was forced to wait until the following week before it could be unlocked. In my conversations with customer service, they attempted to use my cell phone number and my home phone number, neither of which worked. This is strange because my cell phone number has always worked when signing into my account from my browser or from my app. 

I attempted to add my card into another XXXX XXXX wallet on XX/XX/XXXX, and my account became restricted under the fraud alert once again ( are you detecting a pattern here ). I called customer service, and the previous methods of my cell phone number did not work once again, even though after the second time, the representative assured me that my cell phone number would work in the future for verification. I emailed the Citi Executive Response Team on XX/XX/XXXX to escalate the issue and I called them again for follow-up on XX/XX/XXXX. They transferred me to the same fraud department that failed to resolve my issue the first time around. This department unsurprisingly failed to resolve my issue again, which is why I am escalating the case to the CFPB. 

I escalated the case in the first place to the Citi Executive Response Team because even though I was told I was to receive a letter which contains a verification code, that letter never appeared in my mailbox and I do not have confidence that the letter solution will work this time either. I have been stuck without the use of my card for the past two and a half weeks, which is absolutely unacceptable. No other bank with whom I have done business with has given me such a hard time about this, and the lack of responsiveness is unacceptable and absolutely infuriating as a loyal Citi customer. I have given Citi with more than enough information to verify my identity, and there is no reason as to why a simple fraud alert should be causing so much difficulty.
Product: Credit reporting or other personal consumer reports

Amount : {$460.00}. 
Amount : {$600.00} Amount : {$620.00} I sent a request debt validation letter, asking for the original contract with my signature, payment history with the original creditor, and requested proof of debt assignment. 

I have not received anything back and the collections are still showing on credit reports. 

I also did dispute the ownership of these accounts on XXXX XXXX and still showing on the reports. 

Please help me remove these derogatory accounts from my credit reports. 

Thank you
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received my consumer report and notice some unauthorized accounts reporting to my credit file. I have gone through ID theft for several years. This time my personal info was a part of a data breach with XXXX. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Accounts unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over XXXX  days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. 

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, XXXX, and TransUnion data breaches, which makes me even more worried about how my personal information is being handled.
Product: Credit card or prepaid card

We had a credit card balance of {$810.00} that was due on XX/XX/XXXX The amount was paid on XX/XX/XXXX 

On XX/XX/21, we tried to use our credit card to pay a vet bill of {$140.00} and the card was declined. It was embarrassing and didn't make sense since we knew the {$810.00} was taken out of our checking account on XX/XX/XXXX 

When I called the credit card company, I was advised that they aren't crediting our {$810.00} payment until our next statement dated XX/XX/. They have received the payment of {$810.00} on XXXX. How is this legal?