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

My account with XXXX XXXX was never late! I have had exceptional payment history with 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 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 months that are reported late 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 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

I have been filing again this dispute to EQUIFAX as you claimed that it was not me who filed the complaint dated XX/XX/2022, with Complaint Number XXXX, then you are mistaken because it is me who is filing this complaint again. Please consider this as my formal complaint against the inaccurate reporting from the bureau. 

I have also attached proofs of this complaint.
Product: Bank account or service

I received a targeted promotion in XXXX, 2016. The offer code is XXXX, which is earn XXXX AAdvantage bonus miles if I open a Citigold account and with in 60 days complete : 1. XXXX qualifying bill payment for XXXX consecutive months 2. spend {$1000.00} in purchases using the Debit card I signed up for the account at the end of XXXX, but I did n't receive the debit card and pin until early XXXX. 
I had less that 30 days left to complete the XXXX requirements and it was impossible for me since XXXX of them ask for XXXX consecutive months. 
I chatted with the Citi online representative in late XXXX and was given until the end of XXXX to complete all the requirements. I did complete all the requirements in XXXX and I did the online chatting again, the representative confirmed about the extension and that I completed all the requirements in time and I will be rewarded automatically. 
Over 3 months have passed, there is still no bonus miles posted as promised. Citi wo n't acknowledge the extension I was given and insist I did n't complete all the requirements in XXXX. 
If Citi do n't correct this dishonest mistake upon this complaint : 1. I will pull all my money from Citi, which is over XXXX USD. 
2. I will write to the Citi Executive office. 
3. I will publish the story and all the evidences I saved to public media. 
4. I will write to the State senators ' offices. 
Please check the online chat log on XXXX XXXX. It will prove that I was given the extension until the end of XXXX to complete all requirements.
Product: Vehicle loan or lease

At the end of a XXXX lease with Honda Financial XXXX XXXX XXXX XXXX XXXX for XXXX ), I purchased vehicle on XX/XX/XXXX and transferred the Title properly. Issue with XXXX XXXX is the handling of their internal Title Transfer and charging of Personal Property Tax after purchase. 
+ Local Personal Property for the remaining XXXX of XXXX was charged by local entity to me under new XXXX # and I paid it. 
+ Local Personal Property Tax for XXXX was billed under new Title # to me and I paid it. 
+ XXXX XXXX billed me for XXXX Personal Property Tax under old Title # + After educating Honda Finance Company of their mistake ( Providing Title document proof ) and assisting them in Tax Refund for both XXXX and XXXX ( XXXX ) of Personal Taxes re-paid to them by local Tax Entity, Finance Company insisted that I owed the Personal Property Tax to them because of a clause in their Lease Agreement of my responsibility to pay any Personal Property Tax up to XXXX after Lease end. 
+ This is an obvious waiver of responsibility for their inefficiencies in handling Title Transfers and proactively avoiding paying + Please note that they acknowledge that they owe me the reimbursed Taxes for XXXX ; however, they proceed to classify my account as Past Due and turned it over to a collection agency. 
+ If I paid the Personal Property Tax as their standard requirement of their Lease, I would have over paid by {$540.00} for XXXX with a substantially larger amount for XXXX, since they do not have any internal mechanism to guard against double charges for Personal Property Tax, leaving it on the consumer to be proactive to start a refund process. 
+ My assessment is that they are not interested in implementing any internal mechanism to guard against double charging of Personal Property Tax, even with my insight and encouragement. Instead they leave it up to the Consumer to be proactive. 
+ My financial assessment is that there are Tens/Hundreds of Millions of dollars in overpayment by Consumers that have not been processed by Honda Finance because it is a nuance to their operations
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$14000.00} Account Name : XXXX : Account Number : XXXX : Balance : {$970.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$330.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$730.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$770.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$1000.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$270.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$190.00} Account Name : XXXX  : Account Number : XXXX : Balance : {$580.00} Account Name : XXXX XXXX XXXXXXXX XXXX  : Account Number : XXXX : Balance : {$37.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$530.00} Account Name : XXXXXXXX XXXX XXXXXXXX : Account Number : XXXX : Balance : {$3200.00} Unauthorized Inquiries : XXXX XXXX XXXXXXXX XXXX  XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

ACCT NUMBER : XXXX DOLLAR AMOUNT : {$790.00} I am not liable for this debt with Credit Control Corp . I do not have a contract with Credit Control Corp. Also they did not provide me with the necessary original contract as requested
Product: Bank account or service

I have been charged excessive charges on my account!! 
Called and complained and lady said would check into in, came back and said that there was nothing she could do & hung up. 
Called sever more time & got the same results. 
They are ripping people off, especially senior citizens!! 
Dont bank with these people ever!!
Product: Credit reporting or other personal consumer reports

Loans and credit cards were fraudulently opened in my name. 
XXXX ( Fraud Credit Card ), XXXX XXXX XXXX ( Fraud Personal Loan ). XXXX XXXX XXXX XXXX  ( LEASE ) Fraudulent Credit Inquires : XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Hello, I contacted Chase for a dispute and they initially categorized it as fraud. In their defense, I did not think the charges from XXXX XXXX  were initially mine until I received more clarification from the date of service. Long story short, I was overly charged by an app that had technical issues and was recurring charges to my chase credit card. Chase sent me to their disputes department instead after having a terrible experience with their fraud dept. All documentation is attached that was sent to chase and the unanswered attempt to XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

went to apply for a loan and they told me that i already had on when i know i never have
Product: Credit card

I Had a fraudulent transactions totaling over XXXX $ from my bestbuy citi credit card it had gotten stolen around XX/XX/XXXX and they racked up charges that maxed out my limit, clearly frustrated I called up citibank/bestbuy to dispute these completely fraudulent transactions and they told me everything was fine on the phone I even got my credit limit back to where it should of been before the fraud and everything was good. Now on XX/XX/XXXX I receive something in the mail saying dispute DENIED, reasoning for it being denied " the facts and or information reviewed as part of investigation does not substantiate the claim of unauthorized use '' .... MY CARD WAS STOLEN and charges where made fraudulently what more could they ask for, this is complete and utter unprofessionalism from CITIBANK/BESTBUY. I will be getting a attorney involved if this matter is not situated promptly. 

Card ending in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 13. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

16. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To someone in a position of authority, I am making a formal complaint because XXXX XXXX XXXX has placed information on my report without my consent, and without validating the debt. I reached out to this company over 4 months ago and I still have not received a response. I informed them that they were violating 15 U.S.C. 1681a ( 2 ) ( B ) as they were supposed to exclude information from my report that was authorized by a credit card. I informed them of this violation and they have not responded to my correspondence. Additionally, I asked them to validate the debt they are reporting on my consumer report with XXXX and Experian ; I made a formal complaint with Experian, and XXXX and both companies failed to show proof that this debt that they are reporting belongs to me. Because they failed to validate the debt with sufficient proof, they are in Violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. If I continue to be ignored about this matter I will proceed to seek litigation and remedy for {$1000.00} per violation for defamation of character, Negligent Enablement of Identity Fraud, and Violations of 15 U.S.C 1692g. I demand these accounts be deleted from my Experian and XXXX reports within 5 days, or I will move forward with litigation and remedy. I also demand that an updated report be mailed to me. Any actions taken to hinder my consumer report will also result in me seeking litigation and remedy. Thank you.
Product: Checking or savings account

In XXXX 2016 I was scammed with an online job posting on XXXX, the listing seemed very credible and I followed instructions via email to receive a counterfeit check and deposited into my Chase bank account to then withdraw and deposit into the scammer 's account. I received the check for {$3300.00} and deposited to my account on XX/XX/2016. At the time being XXXX years old I knew almost nothing about how to handle unknown checks since I believed in the bank to handle it properly. I continued following the scammer 's instructions to withdraw the money from my account, at this point I did not want to be ignorant so I asked the teller if the money I was about to withdraw was entirely available and if I had nothing to worry about or be concerned of beforehand and the answer was no nothing to worry about, until a few days later that I received a letter from my bank stating the check bounced and the money I had already deposited into the scammer 's account had to be returned leaving me in debt and in great suffering of worries and emotional damage for me and my family. I instantly tried to solve this matter with bank and police but neither could help since there was not enough solid evidence of the scammers and the money was gone. I also reported the matter to corporate offices and was told this was entirely my fault for not knowing very much about checks. They told me the money was extended as an advance without informing me and they expected the check to be legitimate.
Product: Credit reporting or other personal consumer reports

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 resonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this 15 U.S. Code 1681n - Civil liability for willful noncompliance ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;... 

My character has been defamed i demand compensation.
Product: Credit card

XX/XX/23 unauthorized charge of XXXX from XXXX XX/XX/23 I called BanXXXX of America and reported fraud. 
XX/XX/23 Bank of America credited my account the amount for fraud dispute. 
XX/XX/23 the dated letter from B of A reversed the credit and added charges to my account. 
The letter stated " The merchant provided documentation confirming you received the merchandise or service ''. The merchandise was mailed to XXXX, Wa and I live in California XX/XX/23 I went in person to B of A branch and spoke to a representative who connected me to the fraud department via phone. I was informed they would look into it. 
XX/XX/23 I called B of A to check on the status of the fraud and was informed that they have not resolved the problem.
Product: Mortgage

It appears my mortgage company was bought out by another and now my mortgage has went up XXXX dollars a month and nothing to explain it sounds like a scam to me. Loan care was XXXX something fishy going on here I would advise nobody use this company and if you are RUN
Product: Credit reporting

TRANSUNION is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX Federal Reserve form XXXX Federal Reserve form XXXX Federal Reserve form XXXX The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from TRANSUNION in accordance with g.a.a.p, I.f.r.s. in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the following vendors/creditors : VILLAGE GREEN APARTMENTS acct-XXXX and they have failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

This creditor stopped accepting my payments and then marked ME as late on an open account. 

In accordance with the fair reporting act Synchrony Bank/ PayPal has violated my rights. Under 15USC1681 section 602 states : I have the right to privacy.

15USC1681 section 604A section 2 It states that a consumer reporting agency can not furnish an account without my written instruction.

Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX illegally reported a charge off, repossession, redeemed account on XXXX, XXXX XXXX on a account that was XXXX in a bankruptcy in XXXX. I under stand the law and its illegal to report the wrong information on a consumers credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit bureaus to put a personal statement on my report. They asked me the usual questions in regards to verifying me, but they asked me a bunch of questions regarding my student loans. They were trying to get me to verify that I took out the loans and I said I did not. This was the whole reason I wanted to put an identity theft tag on my personal statement as I am fighting with XXXX about it currently. I tried to talk with Equifax before about the identity theft of 2016 and to dispute items on my credit report and they made it impossible for me to dispute them. Its like they want to have negative things on my credit report. So I had to claim bankruptcy. When I applied for a loan for a house last year, they said that I should be able to request a personal statement, So this is why I called the credit bureau. XXXX  told me after about asking at least 20 questions that I still was not verified. They would ask questions like what was the balance on your credit card two years ago? This is ridiculous. I spoke with XXXX and I told him because he was in a foreign country, I wasn't sure I was speaking with Equifax. I said I wanted to talk with a supervisor who was English speaking and they sent me to another foreigner who asked the same questions that XXXX said I got wrong. I am very uncomfortable after what happened sharing any information about myself, let alone being asked 20 questions. My student loan accounts are inaccurate and I never took any loans from anyone other than XXXX XXXX who sold them to XXXX. I cant even put a dispute in or put a personal note about what happened 2 years ago due to credit card fraud.
Product: Credit card

Dear Sir/Madam CFPB, I am writing to you regarding the recent closure of my Discover credit card, which has been in place for almost XXXX years with a {$4200.00} line of credit. This closure has caused me great concern and dissatisfaction, mainly due to your Discover team 's lack of justification and refusal to resolve the issue. 

On XX/XX/year>, I made XXXX transactions with my Discover card, all approved by the financial institution. However, to my surprise, I found that my card had been blocked and closed without prior notice the next day. Upon contacting Discover for an explanation of this action, the response I received needed to be revisedThe representative stated that my card was closed due to lack of use, which is a false claim. I have concrete evidence that my card was used on the same day that the limit for its use was established, XX/XX/year>. This discrepancy between your claim and actual evidence is deeply concerning and raises serious questions about transparency and integritythe integrity of its business practices. 

Additionally, I find the need for more willingness on the part of your team to address and resolve this issue extremely disappointing. Despite presenting clear evidence refuting the reason for closing my card, the response has been that the card is closed, and there is nothing they can do about it. 

As a long-term customer with an impeccable payment history, I expected better treatment and more significant consideration from Discover. The lack of transparent communication and refusal to address this issue fairly and timely is unacceptable. 

Therefore, I request that you review my case regarding closing my Discover credit card. Additionally, I expect a formal apology for the inconvenience and frustration caused by this situation. 

I appreciate your prompt attention to this matter and look forward to a satisfactory resolution as soon as possible. I await your response. 

Sincerely, XXXX XXXX