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

Hi Manager, CFPB Representative, Please see the attached documents regarding ongoing issues with inaccuracies on my credit reports. Over the past 69 months, I have repeatedly attempted to address these errors with XXXX, XXXX, and Equifax, but all three credit reporting agencies have failed to comply with their obligations under federal law to thoroughly investigate and correct the reported information. 

The following are the key issues Ive identified : Re-aging of Accounts : These agencies have repeatedly updated the " Date of Last Activity '' ( DLA ) on several accounts, causing them to appear as recently active. This practice is a direct violation of the Fair Credit Reporting Act ( FCRA, 1681s-2 ( a ) ( 2 ) ), which prohibits the illegal re-aging of accounts to extend the reporting period beyond the legally allowed timeframe. 
Inconsistent Payment History : I have discovered discrepancies in payment statuses and histories across the credit bureaus, with some accounts reflecting late payments or past-due statuses even after being marked as collections or charge-offs. According to FCRA 1681e ( b ), credit reporting agencies must maintain accurate and complete information in credit reports, which has not been done here.

Invalid and Questionable Balances : Certain balances on my accounts appear inflated or inconsistent across the bureaus, indicating a failure to verify these balances properly. This violates FCRA 1681i ( a ) ( 1 ) ( A ), which mandates credit bureaus to conduct a reasonable reinvestigation of disputed information. 
Reporting on Transferred or Sold Accounts : If a charged-off account has been sold or transferred to another party, it can not continue to report as late or past due by the original creditor. This violates FCRA 1681s-2 ( a ) ( 5 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S. Code 1692e ( 8 ) ), which prohibits furnishing false or misleading information.

Summary of Violations These errors constitute severe breaches of my rights as a consumer under the FCRA and FDCPA, including but not limited to : 1681e ( b ) : Failure to ensure maximum possible accuracy 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a proper reinvestigation 1681s-2 ( a ) ( 2 ) : Re-aging of accounts 1681s-2 ( a ) ( 5 ) : Improper reporting on sold or transferred accounts 15 U.S. Code 1692e ( 8 ) : False reporting of account status
Product: Credit reporting or other personal consumer reports

Late payments listed for the following creditors on my credit report : XXXX XXXX XXXX Late payments XXXX XXXX XXXX XXXX Late payment JPMCB Card XXXX Late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payments XXXX XXXX XXXX XXXX XXXX Late payment XXXX ( XXXX ) XXXX Late payments XXXX ( XXXX ) XXXX Late payments In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy ; 15 USC 1681 Section 604a Section 2 consumer reporting agency can not furnish an account without my written instruction ; 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Checking or savings account

This is a complaint against Sterling Bank for their failure to recognize me as power of attorney, despite multiple attempts to communicate with them and provide them with the appropriate documentation. 
In early XXXX of this year, I discovered that it was necessary to begin helping my elderly aunt with her financial affairs by activating my role as power of attorney ( POA ) on her behalf. Some years ago, she had given me a list of all the financial institutions she did business with. XXXXXXXX XXXX at the XXXX XXXX in New York, was among them. I discovered that XXXX had merged with Sterling Financial, so I called Sterlings 800 number on XX/XX/XXXX to make sure that my aunt did in fact still have accounts there and find out what I would need to do to demonstrate that I had POA in order to gain access to them. I was told that I had to submit via snail mail to Sterling 's Transaction Processing Dept. my  aunts General Durable Power of Attorney document. I did that the next day, XXXX XXXX. After nearly three weeks of not receiving any response, I called Sterling 's 800 number again ( on XXXX XXXX ). The representative I spoke to asked me for information about the account ( s ), including the account numbers and my aunts social security number, then placed me on hold for about 10 minutes. When she returned, she told me she couldnt see " on her screen '' any record of the documentation I had sent but said she would reach out to Sterling 's legal department and then call me back. A week went by, but I did not receive any callback. On XXXX XXXX, I sent a letter complaining about this issue to two members of the executive management team : XXXX XXXX, the president and CEO ; and XXXX XXXX, the senior executive vice president & corporate banking president. I have not received any response.  Over a month has elapsed now since my initial outreach to Sterling on this issue.
Product: Credit card

In last XXXX I applied for a new card at Capital One and they showed me an introductory APR of 0 % for the first 15 months. After two months Im believing they will follow the offering, I realize that they are charging me interest more than my previous credit bank that Id transferred my debit. I feel deceived by an advertisement that is standard for all new credit card offers. They advertised one thing but delivered a different product.
Product: Payday loan, title loan, or personal loan

I previously had a line of credit with this company but decided to close it last year. Unfortunately that doesn't seem to be the case because every month they continue to send me a statement ( which shows available credit of {$2000.00} and a balance of {$0.00} ). I have contacted them numerous times about this and each time I am promised they have resolved the issue and that the account is closed and I would stop receiving statements. As I received a statement from them yesterday, I can confirm this is not true. When I log into my account with the company it still shows my line of credit as " active '' but then states " Your account is currently ineligible for new draws. Please refer to our email communication for more information. '' ( Note that no such email exists ). When I've tried to regain access to the line of credit the company tells me I can't and I would have to reapply. When I reapply I get an adverse and letter which literally lists the reason for being denied as " o ''. I've tried to call the company but they only provide false information such as " we have nothing to do with the adverse action notices they come from XXXX so you should contact them " ( even though the letter is signed by " Upgrade Inc. '' and states in part " The reporting agency played no part in our bank partners ' credit decision and is unable to supply specific reasons why they have denied credit to you. '' ). No one from the company has provided me a reason for the denial nor have they addressed any of the issues I've explained today and/ or have faced.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send three rounds of certified letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all in 2021 ) for the correction of my Experian credit report for inaccuracies and for Experian to send me an updated credit report. Experian has ignored my letters and when I've called them multiple times on the phone they have placated me with promises that they would update my file and send me corrected reports. I have received nothing and have been ignored completely. I'm at wits end, please assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX credit card had been taking funds- {$100.00} from my personal checking account monthly for 3-4 months after balance was already paid in full in XX/XX/2020. They continued to do so after I went only to cancel payment plan numerous times. Eventually I managed to call and had them to refund me the {$300.00} back. However, they started to report to credit bureaus in XXXX that my account was late out of the blue and caused my credit score to drop by 30 points. Thats insane. Theres no balance in the account. ( Negative balance actually ). Please help and investigate this. I am in process of getting a car loan. And I have to put that on hold now until I get my score back up
Product: Debt collection

A Collection Agency called Capital Management has some personal information about my finances and they say I have a debt. I have never heard about this agency.
Product: Credit card

Citicards CBNA ( that's how it is listed on my credit report ) has charged late fees and interest for the past few months. I told them that i have paid for every item i ever purchased with the card and that i further placed my payments in a properly addressed and properly stamped envelope PRIOR to the due date. All the current charges are for late fees and interest on late fees that i do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, my rights have violate by the following : XXXX 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 15 U.S.C 1681 section 602 A. State I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XX/XX/XXXX on TRANSUNION credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section XX/XX/XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Product: Credit reporting or other personal consumer reports

The Family Educational Rights and Privacy Act, FERPA, protects the confidentiality of student records. This breach is a clear violation of FERPA and it is the responsibility of the credit reporting agencies to safeguard my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

I have an citi credit card. I was under my credit card limit. The finance charge at the end of the month put me slightly over the limit. I was charged a {$39.00} fee for being over the limit. I did not feel that this was fair. The finance charge is what put me over the limit. I should not be charged an additional fee for a finance charge of {$39.00} because it puts the card slightly over the limit. I talked with a Supervisor named XXXX in the Florida office. She said that it is in the XXXX page agreement. I asked her where in the XXXX page agreement. She said that she had no idea, because it is XXXX pages long.I asked her how is a consumer supposed to know where this is or if it even exists when the supervisor does not even know. She said it is not her job to know the XXXX page agreement. I was surprised because she is the supervisor. 
This sounds like Usury to me. How can a company charge a fee on top of a finance charge. The bank is making money on the finance charge. That is what I agreed to. It was not a purchase that put me over the limit. It was the finance charge. That is a pretty good definition of XXXX. This supervisor was not able to tell me where this was allowed in the XXXX page agreement. I am not sure that it is allowed or even exists
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention a matter of concern regarding the negative impact on my credit standing. This issue arose as a result of following the advice of a debt consolidation company, specifically the representatives of the XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX 

Upon seeking assistance from the debt consolidation company, I was advised not to make monthly credit card payments with the intention of allowing these accounts to close. The subsequent closure of these accounts has resulted in a significant decline in my credit scores. Furthermore, reputable financial institutions such as XXXX now have records of me being 90 days or more past due, despite my prior good standing. 

I would like to emphasize that prior to following the advice of the debt consolidation company, my credit accounts were in good standing, and I had a responsible track record of timely payments. The impact of this advice on my credit standing has been distressing and has caused significant inconvenience and concern. 

I have documentation and correspondence from the debt consolidation company, including details of the advice provided and the intended resolution through settlement with lower numbers on these accounts. I believe that this evidence supports my case and underscores the impact of the advice I received. 

I kindly request that you investigate this matter and make the necessary corrections to my credit report. I am committed to resolving this issue and restoring my credit standing to its previous favorable status. 

Thank you for your attention to this matter. I am available to provide any additional information or documentation as required. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

I believe I qualify for this settlement. I was a subprime customer, high-risk for defaulting my loan. I had a really low credit score that was denied by every bank but Santander. Santander wrote me a contract with a 24.99 % APR, knowing very well that I would most likely have to default. Well come the pandemic, I missed some payments and without hesitation they charged-off my loan. It doesn't end there, after writing off my loan, they continue to request payment with interest, so that I now owe the money for my loan and apparently am expected to pay them as well with interest, but they confirmed they wouldn't report my payments to the credit bureau. My credit score is ruined, I am in debt, and I don't understand how I would not qualify for this settlement. They ruined my life. I now have a derogatory mark on my credit for seven years, where I can't get a loan for anything as of now to better my situation. I'm stuck.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to TransUnion. I already informed them of the reasons why I was late in my payment and sent them the proof but they are ignoring it and I also sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting.

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few accounts that show on my report when its been over 7 years and should be off by now but they will not take off. And an account opened that is not mine or never agreed to and they will not remove. This has been over many days and dates to include
Product: Credit reporting or other personal consumer reports

I BEEN A VICTIM OF IDENTITY THEFT THE COMPANY XXXX XXXX XXXX  IS DATE OPENED XXXX AMOUNT OF {$720.00} REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT I ADDED DOCUMENTS THAT SUPPORT MY CLAIM COLLECTION agency did not send me anything to verify this account By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months.
Product: Credit reporting or other personal consumer reports

According to the FCRA ( 15 USC 1681b ) credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. The company XXXX XXXX reportedly opened a account on XX/XX/XXXX without my knowledge or permission and has not provided any validation of this debt to me. The company LEAD BANK  reportedly opened a account on XX/XX/XXXX without my knowledge or permission and has also failed to provide me with the validity of the debt.
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Employer - XXXX Incorrect Name : - XXXXXXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX  - XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX  - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX XXXX XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Mortgage

1st Issue : For two years, since the creation of a Deferment, which I did not ask for and was derived without my knowledge or consent, in the amount of {$8700.00}, I have been asking for a complete payment history that includes the column showing the Payment and Transaction ID numbers. 

However, after prolonged delays, all I have received are handmade spreadsheets derived from a second set of books/ledgers that XXXX XXXX XXXXXXXX , the third-party vendor for AIM Loan, derived during the period my loan was in forbearance during the Pandemic. 

I now have a case open with the Dept. of Financial Protection and Innovation and am hopeful a resolution can be met soon. 

Issue # 2 : The second and most pressing issue is that sometime near the end of XXXX of XXXX, my account payment portal became locked. I have been denied access to make any online payments. 

Upon my initial inquiry about this, I was told that it was part of protecting my account while it was in transition from XXXX to AIM Loan in-house servicing. 

When my account was not released I asked again and I was told that my account was delinquent, and once I paid my XXXX payment, it would be released. And so after my XXXX payment was made payments were paid, it still remained locked. 

Now, four months later, the company is telling me that because I have been approved for mortgage relief assistance, my account will remain locked until the second mortgage is paid off. 

It is a different story every other week. 

Although I have been informed I can mail in a payment, I am reluctant because now that I have uncovered a second set of books/ledgers, I have reason to believe the curtailments payment I included with my checks and money orders, early on in my loan, between the months of XX/XX/XXXX through XXXX of XXXX, were not properly credited to my account. 

Whenever I request a copy of my 1098 forms, the bottom half of XXXX, XXXX, and XXXX arrive blank. While XXXX onward contains my payment history. 

Something is not right with the way my mortgage has been handled. I do not trust AIM Loan and I will send my payments until I can do so and receive a proof of payment and transaction ID # that I can immediately print out and keep for my records.
Product: Debt collection

i have sent this company XXXX letters disputing the debt and asking for validation. I even dispute it with the credit bureaus. They ignore me, but they went ahead and verified it with the credit bureaus. how can they collect a medical debt when i have insurance, plus i dont even know who the original creditor or doctor is.
Product: Prepaid card

After successfully using rebates from merchants for years, I recently had the unfortunate experience of receiving several American Express prepaid reward cards as rebates. 

The company is at least misleading in understating that XXXX monthly service fees will be charged after 5 months from issue. There is no legitimate reason for a monthly fee. All notification of such fees is in minuscule print at page bottom or on the back of the card. It also says funds do not expire immediately after the monthly fee description. Why is that there other than to confuse or mislead consumers? 

I had cards of {$10.00}, {$15.00}, and {$50.00}. After trying to check balances, I learned the first XXXX cards were at {$0.00} and the latter was at {$44.00}. So I ultimately used ( received ) {$44.00} of {$75.00} in rebates because I was misled by the obvious expiration date on the cards ( 5 years from issuance ) and the " hidden '' fees descriptor. 

After checking all the sources I could, it seems these rebates are considered " free '' money and so there is no recourse that I can detect. 

I feel like AmEx mislead me from fully utilizing my rebates. Maybe it is free money for these unscrupulous banks, but not me. 

I do not believe banks should be allowed to deduct service fees on rebate cards. There is no justification for a passive fee. They are not managing the money. 

If they are deducting monthly service fees as if I had an account with them, then I should be notified as the fees are deducted just as if I were a bank customer. That is how they are treating these prepaid reward cards. 

People should be made aware that there are fees associated with rebate reward cards and these unscrupulous banks should be made accountable.