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

NMAC reported a 30-day late payment to the credit bureaus on XX/XX/ for the month of XX/XX/. I filed this complaint because the XXXX payment should Not have been reported late. 

Its been my experience in the past with Nissan and other creditors that if the past due payment is received no later than the following/next month 's due date, the payment is Not reported late. 

I have attached a copy of the transaction history for the last 5 months of XXXX 

You will notice that the XXXX payment was paid on XX/XX/XXXX, and it was not reported late, and therefore, the XXXX payment which was paid on XX/XX/XXXX should not have been reported late either. There are more days between XX/XX/XXXX and XX/XX/XXXX than there are between XX/XX/XXXX and XX/XX/XXXX. So since XXXX was not reported late, XXXX should not have been reported late either. 

I am thankful I was able to pay both XXXX payment and XXXX payment and all fees ( {$2500.00} ) on the XX/XX/XXXX due date, so XXXX should NOT have been reported late. I worked very hard to meet this deadline and accomplish this, and it should not be taken away from me. This is NOT right! I owed additional fees when I paid XXXX on XX/XX/XXXX, and it was not reported late. I was able to pay all fees and bring the account current on XX/XX/XXXX, including XXXX 's payment, so XXXX really should not have been reported late. 

As I said before, this is not just with Nissan. All my other creditors do not report the past-due payment late if it is paid by the next months due date, and no later. Nissan should be no different.
Product: Credit card

My wife and I went on a cruise to XXXX XXXX. We went into a retail jewelry store. We saw a XXXX XXXX White Gold Diamond Pendant. We told the sales people that my wife wanted a XXXX XXXX Yellow Gold Diamond Pendant. The sales people told us that they can make the White Gold Pendant Yellow Gold. We agreed. The sales man took the Pendant out of his store to another location. Almost XXXX hour later, he came back with a Yellow Gold Pendant. My wife and I were in a rush to get back to our ship and quickly inspected the Pendant. We did not know it at that time but the center diamond is damaged. When we got home to Florida, we took the Pendant to our personal jeweler for further inspection and appraisal. Our personal jeweler inspected the Pendant through a XXXX and discovered a compression crack in the center diamond and he refused to appraise the pendant because if it. I called the jeweler in XXXX XXXX. I explained my situation. I was told that " XXXX '' was not in the store, that they would give him my message and that he would call me back. He never did. For almost two weeks, I called and asked for " XXXX ''. " XXXX '' was never available. The last time that I called the store, I threatened to initiate a dispute and arbitration with my credit card company. " XXXX '' called me back. He is denying that the Pendant is damaged. He wanted me to mail it back to him at my expense. I refused to mail it back to him at my expense. I was afraid that I would not get it back. I then initiated a dispute and arbitration against him with Bank of America. After all of my proof, a second opinion letter from my personal jeweler in Florida, and pages and pages of our rebuttals to this jewelers response to this dispute and arbitration, Bank of America is refusing to help us anymore. They 've rebilled my credit card for the full amount of the purchase. My wife and I are literally stuck with a damaged Pendant.
Product: Credit card

My account was set up on autopay for AAFES. The balance to be taken out my bank account each month was XXXX. My account was 30 days past due for XXXX and was still set up on autopay. AAFES never drafted the funds from my account to pay my bill. According to their terms and conditions, we agree for them to call us regarding our account. I never once received a phone call, an email, or paper statement that my account was past due. This has negatively impacted my credit score for {$28.00}
Product: Credit reporting or other personal consumer reports

To whom it may concern, i have submitted the bureaus to remove the following information on the dates listed ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and along with last sent on XX/XX/XXXX. i have yet to receive any details from all 3 bureaus on status on these accounts below. it is effecting me an moving forward in purchasing a home. 


Creditor : XXXX XXXX XXXX XXXXXXXXReason : The 7 -year reporting period has expired on this account, Please remove XXXX EXPIRED XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXReason : This is being reported twice, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove immediately Creditor : XXXX XXXX XXXX XXXX XXXX XXXXReason : I need to see the docs that the creditor sent to you that were used during the investigation to make the determination that this account is accurate. No proof? Then you can not report Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXReason : This Account is not mine, Creditor does not own debt Remove from my account immediately
Product: Debt collection

There is a debt reporting on my credit file from a company that indicated I owed money. This is not correct. When I lived in the apartment complex they indicated that I could use my own refrigerator and they removed the one that actually came with the apartment. When I moved out I did take my refrigerator and they are trying to charge me for my own appliance! They had possession of the one that was initially in the apartment and they agreed to me using my own. There is no money owed to that company. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, Department of Education Account XXXX 's XXXX, XXXX have violated my Consumer 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 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : 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.
Product: Debt collection

up on reviewing my annual consumer report, i notice there was a unauthorized account reporting an alleged debt. attempting to collect a dept on behalf of XXXX XXXX XXXX, this collection agency had obtain my personal private information without permissible purpose. i.C. system, inc XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX are report derogatory and inaccurate information to XXXX XXXX  XXXX XXXX. i asked I.C system, INC to provide me with a copy of a contract signed by XXXX XXXX and all i got was a statement. i requested these documents based on ( FDCPA ) 15usc 1692 ( g ) b, i asked for this alleged debt to be validated, but have not yet being validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX I am looking to correct some errors and update my credit file. I noticed that there are some addresses and information that are not correct. There were some addresses that I noticed belong to a family member but I myself never resided at the following addresses : XXXX 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 OH, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX OH, XXXX, XXXX XXXX  XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX. 
I found incorrect spellings of my name on my credit file. My name is spelled XXXX XXXX XXXX please remove any other spelling or variations of my name they are not correct.
Product: Credit card or prepaid card

1. Fraud- Credit Card Applications2. I Have received mail containing confirmation of "My Place Rewards" credit card account applications. The applications were submitted by persons that I do not know they have un authorized used my home address.3. I contacted Post Office they told me to send the letters back to the bank. I contacted Customer Service at the Bank they said that there was nothing they could do.4. Comenity Capital Bank, PO Box XXXX XXXX, OH XXXX5. The most recent names used for the fraudulent accounts are:XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit Bureaus are not reporting accurately. i called them and sent in my Identity theft report and verification from all third parties located on all three bureaus on my credit report, that they could not provide original contracts or signatures or provide proof of debt. I was nowhere to be located there for these things listed on my credit are false and need to be removed. Therefore by law have to be removed from my credit report. All collections need to be removed under 15 U.S.C. 16929c ) ( g ), All charge offs need to be removed under 15 U.S.C. 1601 15U.S.C.16819 ( c ) 2, ( e ), ( i ), All late payments need to be deleted 15 U.S.C. 1666 ( b ), 15U.S.C 1637 ( a ), all car repos need to be deleted 15 U.S>C> 1681 ( s ) 2 and all Hard inquiries need to be deleted 15 U.S.C. Code 1681 ( n ) the items that need to be removed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or more of these companies violate the Fair Debt Collection Practices Act 15 U.S.C section 1692, et seq the FDCA, The California XXXX Fair Debt Collections Practices Act Cal. XXXX. Code section 1788, et esq the XXXX XXXX
Product: Checking or savings account

My checking account at Chase was compromised by someone printing and cashing fake checks that were not in my name, but had my routing and account number at the bottom. The checks were printed as if from various companies, like insurance and legal companies. Checks did not have my name or signature anywhere. See an example attached. 

In total, about {$10000.00} were lost from my account due to this. 

In a span of three days from XX/XX/2019 through XX/XX/2019, hundreds of such fake checks were cleared from my checking account. Normally I would rarely write any checks. In the past I wrote probably one check a month or so.

Chase proceeded to approve these transactions and cleared funds from my account. I was alerted to this happening by automated email from Chase about my account being overdrawn. In addition to fraudulent transactions, Chase charged three separate overdraft fees to my account. 

Upon receiving an alert and realizing the problem on XX/XX/2019, I contacted Chase by phone, then visited the branch, where I opened a claim with Chase. Chase froze the account and informed that it would take 3-5 days to process my claim.

Two weeks later, as of XX/XX/2019, Chase has not refunded my money ( around {$10000.00} ) and is claiming that the investigation is still ongoing. 

I asked why Chase can not proceed with reimbursing me while their investigation is ongoing, but did not receive a satisfactory response. 

Essentially, the same can happen to anybody with a Chase checking account, as it's apparent that Chase doesn't have any automated monitoring or alerting around suspicious checking transactions, does not verify that checks even have an account holder 's name or address on them, and does not verify signatures.
Product: Debt collection

G. L. A. collection company, incorporated. 

XXXX XXXX XXXX, XXXX, KY, XXXX Phone : XXXX On XX/XX/XXXX. I received the mail notice from the above collection company. They tried to collect three medical debts under my name. The amounts of debt were XXXX and XXXX separately. 

On XX/XX/XXXX, I replied to the above collection company by mail and gave them my health insurance information. I asked them to contact my insurance company and solve my medical debt problem. However, the amounts of debt they ask for are exaggerated. During all my ER visits, I was only asked to rest there and no medicines or treatments were given to me. For my second visit, I asked for a sandwich. 

On XX/XX/XXXX, I called the above collection company. They agreed to contact my insurance company and mail me a copy of my medical bills in 45 days. 

On XX/XX/XXXX, I called the above collection company. They admitted that they did not contact my insurance company and did not mail the medical bills to me. More ridiculously, they even did not have the medical bills ( or statements from the hospitals ) in hands. It means they did not have the necessary evidence about the debts when they first reported them to the credit bureaus! 

My life has already been destroyed by their reckless behaviors. I was refused to get a mortgage and raise my credit card limits. 

Whenever I called them, they asked me to pay the amounts they asked for but never mailed me any evidence about the medical debts. And they delayed to mail the evidence to me on purpose even I insisted on it and gave them the deadline. I believe this is the fraud now. 

I have all the phone calls between me and the company recorded. All statements above can be verified by solid evidence.
Product: Debt collection

I get called everyday by hrrg everyday and they keep bugging me with robocalls. I don't owe them, I just got back from the military
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   2017  I mailed a certified letter to Transunion and   XXXX   disputing collections on my account and asked that they verify the account and to not just say " account verified " after investigation. It is my right to ask for verification and it 's the credit bureaus responsibility to provide verification and debt validation. These companies failed to do so.
Product: Credit card or prepaid card

Hello, I am writing in regard to the failure of receiving my pricematch benefit from Citi 's  Price Rewind program. 

I contacted Citi 's customer service and provided my case number and spoke with a claims adjuster named XXXX on XX/XX/18 at XXXX XXXX est. She told me my timestamped screenshot of the advertisement was not valid and could not substantiated at the store. This was a clear tactic Citi uses because I was familiar with their usual runarounds in trying to deny my previous claims with correct and valid documentation. 

To provide greater background, I have had the same issue with the Citi Price Rewind program last year to the month coincidentally and they provided the same baseless reasons in order to deny my claim by providing false details and interpreting their clear-cut terms and conditions in a fickle manner. The claims were eventually approved through CFPB as did my all my other claims from other times using this type of advertisement. 

XXXX promised me she would call me back that night and does not but eventually does on the following day at XXXX est on XX/XX/18 at a time I explicitly told her I would be busy at work. 

In the call she reiterates that she verified with the store and provides me with a current XX/XX/18 current item pricing to which I doubt because I verified with the store and the information I received conflicts with what I received from XXXX. Additionally, the information she provides is irrelevant because I am not submitting an advertisement for XX/XX/18 but in fact it was dated on XX/XX/18 and this information was valid and in stock at the time. Eventually later on XX/XX/18 a supervisor named XXXX informs me that they are standing by their original claim denial decision. 

Thank you
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting.
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and 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 XXXX 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

It is disconcerting that a reputed credit bureau would permit the dissemination of misleading information without thorough verification. The information listed on my credit report reflects a late payment on the aforementioned account. I emphatically contest the accuracy of this reporting, as I have consistently maintained a punctual payment history with the creditor in question. There has never been a situation where a payment has been overdue, and it is perplexing to find such misleading information tarnishing my credit profile. I was the victim & Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. 
BMW FIN SVC XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I understand that errors can occur, but the inclusion of inaccurate information on my credit report has serious repercussions for my financial standing and is a violation of the Fair Credit Reporting Act ( FCRA ). I request that you promptly investigate this matter and take the necessary steps to correct the inaccuracies on my credit report.
Product: Prepaid card

I was awarded a {$500.00} AmericanExpress gift card from my work in XX/XX/year>. I have been able to use the card once and it has been subsequently declined every time I have attempted to use it since. 

It currently has {$330.00} remaining balance ( confirmed by AmEx today ) and was unable to use it at XXXX.
Product: Checking or savings account

Bank of America Customer Service Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Unauthorized Closure of Checking Accounts Urgent Resolution Required Dear Bank of America and XXXX XXXX XXXX XXXX I hope this letter finds you in good health. I am writing to bring to your immediate attention a distressing matter concerning my banking relationship with Bank of America. 

Recently, I discovered that both my personal checking account and business checking account were closed without my explicit permission or authorization. I want to emphasize that I did not provide any directive to initiate such closures, and this action has created significant disruption and inconvenience for my personal and business financial affairs. 

It is my understanding that, according to banking regulations, closures of accounts should only occur under specific circumstances and with proper authorization. The closure of my accounts without my explicit consent raises serious concerns about the adherence to legal and ethical banking practices. 

I kindly request a thorough investigation into this matter to determine the circumstances surrounding the unauthorized closure of my accounts. Additionally, I would appreciate clarification on the reasons for this action and request the reinstatement of my accounts if this closure was done in error. 

I believe in resolving this matter amicably and trust that you will address it with the urgency and seriousness it deserves. To facilitate communication and provide any necessary documentation, I can be reached at XXXX or XXXX. 

I anticipate a swift resolution to this issue and appreciate your prompt attention to the matter. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX 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 XX/XX/2023 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 payment 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 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! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that Bureaus investigate this account for me to ensure accuracy. Here is the ** i am asking you to verify as accurate 1 XXXX XXXX XXXX account XXXX 2 XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately. I have contacted the companies associated with these accounts, and they have confirmed that the late payments were errors and have agreed to update my account and remove the late payments. I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. 

XXXX XXXX XXXX