23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 XXXX XXXX reported I was 30 days late on my credit card. I spoke with the bank who acknowledged they were experiencing systems issues, but assured me they would immediately address my complaint, the bank rep also advised my to dispute the late payments through the credit reporting agencies. I called Transunion, XXXX, and XXXX. They all conducted and investigation and all determined there was an error in reporting the late payment. All three agencies undated my report and removed the late payment. 

Transunion then began reporting the late payment again after it had already been updated and removed. I called Transunion to inform them that inaccurate late payment had returned to my credit, the representative stated I had to submit another complaint, I asked to speak with a supervisor, and was transferred to Mr. XXXX XXXX who identified himself as a supervisor for Transunion. Mr. XXXX  acknowledged the late payment was once removed and Transunion could not control the bank making the same mistake over again. I advised Mr. XXXX it was not appropriate to report inaccurate information on my credit and their investigation concluded the late payment was not accurate. I informed Mr. XXXX I would escalate the complaint to the CFPB, he showed no concern and advised me by stating " do what you have to do ''
Product: Debt collection

I'm being charged for an amount of {$230.00} and I don't recognize this account. I have tried to resolve this several times in the past and have not had any solution. Please I need this removed from my credit. I'm trying to apply for a credit card. Thank you Dates XX/XX/2019 ( 9 months )
Product: Credit reporting or other personal consumer reports

These credit inquiries that I do not know about on my report, I believe that my identity has been stolen and some type of way or in a data breach. I would like to remove these inquiries from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXX XXXX XXXX  XXXX Balance : {$17000.00}, Bankruptcy : XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX Court : US DIST CT, XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment entry on my credit report, as it is in violation of the Consumer Credit Protection Act [ 15 U.S.C. 1666 ] - Timing of Payments. After carefully reviewing my credit report, I noticed that XXXX reported a late payment for the following months : XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023 However, I believe that this late payment entry is inaccurate and should be removed from my credit report. 
Account Information Creditor Name : XXXX  Account Number : XXXX Date of Late Payments : XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023 I kindly request that you investigate this matter promptly and provide evidence to support the accuracy of the late payment entry. As per the Consumer Credit Protection Act, creditors are required to comply with specific rules regarding the reporting of late payments : 1. Accurate Reporting : Creditors are required to report accurate and timely information to credit bureaus. Any discrepancies or inaccuracies in reporting may lead to a violation of consumer rights.

2. Timing of Payments : According to the Consumer Credit Protection Act [ 15 U.S.C. 1666 ], if a consumer sends a payment within 60 days after the due date, the creditor can not report the payment as late. I assert that I made the payment in question within this grace period, and the late payment entry is, therefore, in violation of this law.

3. Notice of Error : Under the Fair Credit Reporting Act [ 15 U.S.C. 1681i ], I have the right to dispute any inaccurate information on my credit report. I am formally notifying you of this error and requesting its prompt correction. 
I kindly request that you review the information provided by XXXX and verify the accuracy of the late payment entry on my credit report. If you can not substantiate this late payment with valid evidence, I urge you to remove it from my credit report immediately. 
As per the Fair Credit Reporting Act, I expect your timely response to this dispute within 30 days from the date of receipt of this letter. Failure to comply with this request may result in my filing a complaint with the Consumer Financial Protection Bureau and pursuing legal remedies to protect my rights under the law. Please provide a written response to this dispute and update my credit report accordingly.

Thank you for your prompt attention to this dispute. I trust that you will handle this matter diligently and in compliance with the laws and regulations governing consumer credit protection. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

credit acceptance corp account open on XX/XX/XXXX amount XXXX XXXX XXXX open on XX/XX/XXXX amount XXXX I was in prison when this was open
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized account on my credit report. Someone else applied in my name According to the FCRA this Unauthorized and unverified account must be removed immediately. 

XXXX XXXXXXXX XXXX : Account # XXXX Date opened XX/XX/XXXX ( 3 yrs, 10 mos ) I also noticed an Unauthorized Inquiry that i did not approve The inquiry is unauthorized and unverifiedand must be removed immediately. 

XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting

I am unable to dispute existing collection accounts on my Equifax credit report because they have an incorrect name on my credit report, I had no success contacting them by phone and I do not feel comfortable faxing my information over to a company that will not take the appropriate steps to verify a persons real information before applying it to their credit report, effecting their lively hood. They are providing an inaccurate report which continues to negatively effect my employment opportunities, living opportunities, as well as my health as this has become a major stress added to my life.
Product: Checking or savings account

Hello. On XX/XX/XX/XX/XXXX I lost my debit card near my apartment in XXXX XXXX, Connecticut. Two days prior to this on XX/XX/. I deposited money into my bank account to pay my car payment and my rent for the month of XXXX, which is due on or before the XXXX of the month, unfortunately afterwards I paid my rent via XXXX but unknowingly lost my debit card after. On XX/XX/XXXX, as I opened my account to pay my car payment, i noticed {$110.00} missing from my account which I hadnt used since i submitted the money for my rent. I realized my card had been stolen and used by someone so I contacted Chase Bank right away to report fraudulent transactions and to cancel out my card. They informed me that outside of the 4 transactions that the thief processed with my card, 3 more separate charges were declined by another merchant. They issued me a temporary credit to my account pending their investigation so that I would still be able to pay my car payment on time but after almost 3 weeks of them investigating, on XX/XX/2XX/XX/XXXXthey deemed my claim insufficient and denied my claim which subsequently cause them to reverse the credits they put into my account simply because they claim that one of the places this thief used my card at was close to where I live which is in a heavy traffic area as I live downtown XXXX XXXX, CT. I told them it wouldnt be uncommon for someone to have found my card and tried to use it nearby to see if it was working before they travelled farther out to where those other 3 transactions were declined. My card was used at places I have never been to in the 2-3 years I have been banking with Chase and yet they refused to refund my money and left my account almost- {$70.00}. If there is any way that to help me during this situation I would greatly appreciate it.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated.

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 2
1 days before the payment due date.

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! 


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

Dear Cfpb ; XXXX, XXXX and Experian ; Hopefully, you guys were safe during this recent blizzard over the weekend. Im not quite sure whats going on but the following accounts were never fully investigated by my previous request because it continues to report the same multiple inaccuracies, incomplete and unverifiable information. IF you look at them closely you will notice that there are different dates of last active, last payment, last reported, and 1st dates of delinquencies. Also with inconsistent with payment history and status which is causing these accounts to illegally re-aged. I also understand that I was protected under THE CARES ACT, particularly COVID19, and therefore, creditors shouldnt report adverse or negative information into my credit report due to proper accommodations. As you can see from recent studies from CFPB, they found that XXXX, Experian, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. 

XXXX # XXXX ; & XXXX XXXX # XXXX ; & XXXX # XXXX
Product: Student loan

Mohela is refusing to apply my payment received by Mohela on XX/XX/year>. They are still showing my account as due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to CoreLogic, requesting a security freeze be placed on my file but this company said they don't place security freezes.
Product: Credit reporting or other personal consumer reports

I contacted sent a dispute XX/XX/2024, as of today. my dispute has not been responded to. As per the FCRA, Experian is in violation to not responding to my dispute Experian needs to respond to filed disputes in certain ways, and not following those procedures is violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me, please bock and remove according to 15 USC 1681c-2.
Product: Checking or savings account

My company initiated a direct deposit into my Capital One account on Wednesday. On Thursday I received an email from Capital One stating that they were having issues with deposits being made " due to a third-party vendor. '' After speaking with my coworkers, none banked with Capital One had received their deposits. 

On multiple attempts to call, Capital One would immediately disconnect anytime I called, meaning their customer service lines had been closed. Their phone had a canned response that acknowledged the issue, but This was confirmed by complaints on XXXX and XXXX. 

In-app chat functionality was not working and did not inform me of any issues with deposits. 

Due to the continued difficulty with deposits, this has put me in a tough spot financially since I have automated transactions that are not being made.
Product: Debt collection

I was taken XXXX XXXX XXXX XXXX which resulted in a bill. My insurance should have covered the visit, but my provider said there was no record of an XXXX I have been trying to get enough information to dispute it, but the debt collector can not provide any detail ans insists the bill must be paid in full. He refused to give me the origin of the bill and any information that could have been useful to dispute the debt and pushed it out of the view of surprise billing. Its a large bill that is affecting my credit score and the ability to obtain housing. And I need help
Product: Debt collection

I have given XXXX XXXX, XXXX XXXX XXXX XXXX XXXX all information to resolved this medical debt with blue cross blue shield of north dakota the insurance company responsible for this debt. I never received the original bill from XXXX XXXX response and it ended up in collections because i never received the bill. 

I would like debt recovery solutions to simply contact blue cross blue shield to file the claim to be paid and they are refusing to do so.
Product: Bank account or service

Cap 360 sent an email on my personal savings account to a family member without my permission and refuses to remove this email address. This has never happened in the past and I have requested they show me proof of removal which they refuse to do.
Product: Credit reporting or other personal consumer reports

Equifax has managed and operated my credit report with negligence since XX/XX/XXXX. Despite my repeated submissions of documentation to facilitate the release and accessibility of my credit report, I have encountered persistent challenges. I have been informed on numerous occasions that the necessary information was received and corrected, and that I would encounter no difficulties in obtaining or accessing my report ; however, this has not been the case. 

On XX/XX/XXXX, I sent comprehensive proof and documentation via certified U.S. mail, which included copies of my birth certificate, valid U.S. passport, employment W-2, state-issued driver 's license, marriage certificate, and bank statements. This was done with the intention of updating my account information to enable access to my credit report. I was assured that these updates had been processed, yet, as of today, XX/XX/XXXX, I still do not have access to my report. Consequently, my mortgage company is unable to obtain the necessary information to complete the closing of my home sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening, I'm reaching out to submit a complaint in regards to several accounts on my credit report and profile that I did not sign for given written instructions to be furnished on my profile nor report that I've d

isputed several times via certified mail. The dates I've disputed are as follows : XXXX XXXX XXXX. No action was taken by the credit bureaus. 

In accordance with the FCRA ( Fair Credit Reporting Act ) U S DEPT OF EDXXXX ACCT XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACCT 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 states that a consumer reporting agency can not furnish an account without my written instructions.
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Mortgage

XXXX has been affected by XXXX. I have been hospitalized several times the past 4 years. I'm XXXX percent XXXX and in a XX/XX/XXXX. Contacted my mortgage company a lot of times for the last 2 years asking for assistance with my mortgage. Summitted paper work to Select Port Folio requested for the mortgage assistance. I have a property foreclosure sale date for XXXX under the federal Hero Act they are not suppose to foreclose on property until after the XXXX XXXX. I have faxed my modification request recently with financials to Select Port Folio request the property foreclosure sale be postponed and process the modification request. I want the debt validated the amount they say I owe on my home I feel is wrong..
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting negative Information on my report. 
Says I have an open account this is false. 
Is accessing my personal information without consent. 
Negative information Reporting to extort payments. 
Never done business with company. 
Never gave consent for company to use my personal information. 
Never gave consent for company to report negative information. 
In collusion with alleged original creditor to extort payments.
Product: Checking or savings account

In or around XX/XX/XXXX, we opened a free checking account with Synovus in conjunction with a HELOC. The checking account was a " Free Checking '' with no balance requirements or fees. Starting in late XXXX, Synovus failed to send regularly periodic account statements. Beginning in XX/XX/XXXX, Synovus began charging a dormant account fee. Synovus ( 1 ) did not adequate disclose the account fee, ( 2 ) did not provide proper notice that it would charge a dormant account fee, and ( 3 ) did not provide regularly periodic statements that showed it was charging a dormant account fee so that we could timely resolve the alleged dormancy. We do not have recordings showing that the dormant account fee was a term we accepted when we opened the account. Upon information and belief, this was a unilateral term that Synovus later imposed without providing sufficient notice and disclosure. Ultimately, Synovus depleted all remaining funds in the account. 

In XX/XX/XXXX, we went to Synovus to close the account. We were told about the dormant account fees and that there were no funds to resolve. The bank would not resolve the issue with us. We closed the account. 

On XX/XX/XXXX, Synovus sent us an account statement showing the dormant account fees. The statement explicitly states that the last statement Synovus sent was XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I requested an investigation through Equifax regarding inaccurate information on my credit report. The Equifax report shows that I have a past due balance of {$2600.00}. This is an error. The loan was restructured on XX/XX/XXXX bringing the account current. The Fair Credit Reporting (  FCRA ) requires information furnishers to conduct a reasonable investigation with respect to the disputed item. Equifax reported the results of their investigation on XX/XX/XXXX with the error not being fixed. I do not believe Equifax did a reasonable investigation with respect to the disputed information.
Product: Credit card

On XX/XX/year>, I placed an order for {$290.00} at XXXX XXXX XXXX using sezzle. XXXX XXXX  cancelled my order and therefore I never received any items from said order. 

Sezzle would not stop charging me installments for this order. Now they refuse to remove the negative information from my credit report saying I owe money for an order I never received. Their support just refers me to the collections agency, XXXX, who has ceased collections due to me not getting the order. Sezzle still refused to remove the negative information from my credit report.
Product: Checking or savings account

Hi. The issue occurred on XX/XX/year> between XXXX and XXXX. Performed a {$2000.00} cash deposit at the ATM. The machine took a very long time to process. It sounded as though it kept counting the bills over and over. After about what seemed like 5-6 minutes, it displayed an error and shot out a receipt stating to call customer service to verify the deposit. I called them, gave them the information they requested from the receipt and was told they filed a ticket. They told me temporary funds would be in the account in a few hours. The funds were not available till the next day. I did not hear anything from them until I looked at my bank account on XX/XX/year> and noticed there was a reversal for {$1000.00}. I called them and spoke to a representative and he told me it appeared to be human error. He would process the credit for the {$1000.00} and it should be in my account the next day. No credit was applied on XX/XX/year>, so I again called them and was told their investigation concluded only {$1000.00} was deposited. I complained with her about the issue and she processed another ticket and told me it would be completed between Tuesday and Thursday of next week. She said if nothing was done, to call back and escalate the issue do they would look into the cameras at the atm to verify. I just received a letter in my Chase account today, XX/XX/year> that states : As a result of our research, we confirmed there was no deposit made to your account. No adjustment will be made to your account at this time. I have also filed a complaint with the FDIC, with the same information as above.
Product: Credit reporting or other personal consumer reports

A lot of hard inquiries are on my credit report and some of the personal information is incorrect. Also, some of the previous credit accounts are wrong. I do not understand how the credit bureaus, all three TransUnion, XXXX, and XXXX are getting their information because it's not from me. Some of the information is correct but some information is incorrect. I can provide the exact information I need to be corrected once this complaint is further resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I sent a certified letter receipt requested to Barclays Bank Delaware due to their erroneous reporting on my closed credit card account. I paid for credit monitoring in XXXX, and was shocked at how haphazard and erratic their reporting was - multiple reporting of late payments on one CRA report while reporting I paid on-time on the other two. There is also a discrepancy regarding the date of last payment - each credit report has reflected a different date for years of reporting. I received the green card receipt that proves XXXX received my letter, and they brazenly reported the same errors in XXXX.