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

My account with XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 ( MONTHS REPORTING 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 XXXX XXXX XXXXXXXX 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

AGAIN EXPERIAN SAID MY ADRESS HAD RECENTLY BEEN UPDATED AND FIXED BUT WHEN I LOOKED THEY PUT THE WRONG ADDRESS ON MY PERSONAL INFORMATION, I AM VERY UPSET THIS IS ALREADY THE 5 TH WEEK AND LIKE 20 DISPUTE AND THE RESULTS ARE STILL WRONG
Product: Checking or savings account

Bank of america is a serial repeat offender of violating laws and regulations. 

I have unauthorized transfers from fraud totaling over {$130000.00} between 3 claims. 

Bank of america has promised provisional credit numerous times on recorded calls and over 8 reps have lied. They do not follow regulation E, XXXX, or any laws and regulations. 

there is thousands of reviews on numerous complaint forums of bank of america greedily, intentionally, willfully denying or delaying valid claims with their only interest is keeping money and not providing relief under XXXX, REG E, ZERO FRAUD LIABILITY. 

I have escalated this to a senior vice president, who has been helpful. He assigned it to escalations team who promised to call me tuesday morning and of course, yet again lied. 

I'm out significant money due to bank of america refusing to follow laws and regulations even when being reported within the time frame provided under law. 

Some of the stuff, they refuse to even open a valid claim, refuse to provide a claim number, just repeatedely saying they working on it. That is highly illegal and is an attempt to run out the clock and wash their hands of their legal liability
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Re

porting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 infor
mation 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

In  XXXX  o f 2014 I  was seen at  XXXX   XXXX   XXXX  while I was  XXXX  and had  XXXX . I later in   XX/XX/XXXX   of that same year   XXXX   XXXX   there. The   XXXX   was billed to my insurance but the other debt from   XX/XX/XXXX  wa s not. My account was later sent to collections without any form of a bill or any attempt to get detailed billing information to me at any time. Not only was I never notified of a bill but  XXXX  was not billed. I never received any EOB from them explaining that a bill was denied, which is something they always send providing an explanation. Also, when I called the debt collector, they could not tell me when they attempted to collect a payment from  XXXX . Also, I never gave permission for  XXXX   XXXX   XXXX  to send any of my private information to an outside source other than the hospital themselves.
Product: Money transfer, virtual currency, or money service

I am writing to file a formal complaint against Venmo for freezing my account without adequate notice, explanation, or resolution. This unexpected account freeze has caused significant inconvenience and financial hardship, as I rely on Venmo for essential transactions.
Product: Debt collection

Collection account {$57.00} Collection account {$41.00} Collection Account {$460.00} Collection account {$90.00} Repeatedly calling every day for collection of debt harassing me. Collections disputed for lack of information. Incorrect information causing a negative effect on credit reports. 

Department of XXXX student loan accounts ( 2 ) have been settled closed and transferred to a different company. Reporting agencies will not remove from account even though the original date opened has been ten years. 

Ive tried to fix as many errors as possible and keep accounts in good standing as much as possible. I am currently XXXX from having a XXXX XXXX removed, and have become very frustrated with the tactics that have been used against me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Complaint Against Experian for Violating the Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am writing to file a formal complaint against Experian for inaccurately reporting information on my credit report and failing to correct these inaccuracies, despite being provided with sufficient evidence. Experians actions constitute violations of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681 et seq. 

Issue Details Experian has reported an incorrect balance of {$17.00} for my XXXX Secured Credit Card ( Account No. ending in XXXX ) as of XX/XX/year>, despite the account having a {$0.00} balance. I have attached : My Experian credit report dated XX/XX/year>, reflecting the inaccurate {$17.00} balance. 

A screenshot from the XXXX application showing the correct {$0.00} balance and {$200.00} available credit. 


This inaccuracy has impacted my overall credit usage calculation, which is reported as 9 % instead of the accurate 0 %.

Violations of the FCRA Experian has failed to meet its obligations under the FCRA in the following ways : 1. Failure to Ensure Accuracy ( 1681e ( b ) ) : Experian is required to maintain reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. By failing to update the correct balance for my account, Experian has violated this requirement.

2. Failure to Conduct a Proper Investigation ( 1681i ) : I previously disputed this inaccuracy with Experian and provided supporting evidence. However, they failed to correct the error, violating their duty to investigate and resolve disputes.

3. Willful Noncompliance ( 1681n ) : Experians continued reporting of incorrect information, despite being notified, suggests willful noncompliance with their legal obligations under the FCRA.

Requested Resolution I request the CFPB to take the following actions : 1. Investigate Experians handling of my credit report dispute. 

2. Require Experian to correct the inaccurate reporting of my XXXX Secured Credit Card balance and ensure accurate reporting moving forward. 

3. Impose appropriate penalties on Experian for willful noncompliance under 1681n, including damages for the harm caused to my creditworthiness and reputation.

Supporting Evidence Please find attached : 1. Experian credit report dated XX/XX/year>. 


2. Screenshot of my XXXX Secured Credit Card account showing a {$0.00} balance. 


3. Other relevant documents related to this matter. 

I appreciate the CFPBs attention to this matter and look forward to a prompt resolution. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent Account # XXXX XXXX Has violated my rights. These account has also been removed by XXXX, and Exquifax. In which I have the investigation results Showing these items were in fact deleted and should not be reporting my on credit report Please demand XXXX to remove these two accounts. 

Also under Account # XXXX was also deleted from transunion showing NO derogatory accounts in question. I've attached a copy of accounts listed from XXXX this account is not showing. But it shows on Equifax an exceptional payment history that I do not recall. And it's showing on XXXX as a charge off. all this information is inaccurate and does not reflex the true identity of this accounts and should be deleted As soon as possible. 

The last Account # XXXX has also been deleted from my XXXX  credit report, I received a dispute acknowledgement from the company as well, but it has continued to show up on my XXXX and Equifax credit report and should be removed as soon as possible. 

15 U. S. C 1681 section 602 A. State I have a right to privacy U. S. C 1681 section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Money transfer, virtual currency, or money service

I have not used my paypal.com account and unable to close my account. It still has my personal and financial information saved on their servers and I am unable to also remove the credit card information and other personal information on their file. 

Called customer support and they were very clear that I will be unable to close the account. 

A company can not hold my information XXXX and should allow to me deactivate/close my account
Product: Debt collection

Claiming a credit card opened from a bank that did have a card from paid it off. Sent a letter of debt validation that didnt match any debt company and no lawyer on record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed 6 unauthorized inquiries with Equifax three different times on XX/XX/2020, XX/XX/2020 and XX/XX/2020. Each time they have responded by providing a result that states " inquiries are a factual record of file access '' and each time, I have rebutted this response by advising I am NOT disputing the fact that inquiries aren't a factual record of file access but rather they were NOT authorized by me. They also advised for me to reach out to the creditors for additional information. However, I've contacted these companies time and time again and they have informed me that they have no open accounts and no evidence that I initiated the inquiries, either written or otherwise, and could not provide me with a permissible purpose. They then direct me back to the credit bureau who again is advising that there is nothing they can do to help me. 

*Please note that these inquiries were disputed over the phone each time. After the second attempt, I requested the credit reporting agency 's method of verification authorizing credit inquiry.
Product: Credit reporting or other personal consumer reports

I have dispute fraudulent information through Experian, XXXX and XXXX for fraud inquiries, accounts and addresses. I requested that all info be verified in writing at this moment I have not received any dispute results. I asked that all accounts be verified with my signature, if this can not be given, all account must be deleted.
Product: Vehicle loan or lease

Subject : Formal Complaint Against Carvana for Unauthorized Financial Transactions and Non-Disclosure of Terms Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Carvana due to unresolved issues stemming from a transaction initiated on XX/XX/XXXX. On this date, I agreed to trade in my XXXX XXXX XXXX for a XXXX XXXX XXXX, with the financial terms as follows : a purchase price of approximately {$56000.00}, with {$22000.00} accounted as trade-in value, a cash down payment of {$25000.00}, and {$10000.00} financed through Carvana. 

The vehicle was scheduled for delivery on XX/XX/XXXX, at my residence in XXXX XXXX, Pennsylvania. Shortly after finalizing the agreement, I was informed by Carvana that my Pennsylvania drivers license, due to expire on XX/XX/XXXX, did not comply with their internal policy requiring the license to be valid for 60 days post-deliverya stipulation not disclosed prior to the agreement. 

Despite my immediate response highlighting the impracticality of renewing my license by the delivery date, and my request to cancel the transaction should my current license be unacceptable, Carvana proceeded to withdraw the {$25000.00} down payment from my checking account on XX/XX/XXXX. 

In an attempt to meet Carvana 's requirements, I renewed my license on the PA DOTs website, however, Carvana deemed the additional provisional documentation insufficient and refused to deliver the vehicle as agreed. 

Consequently, I demanded the immediate return of my deposit on XX/XX/XXXX. Carvana indicated that the funds would be returned by no later than XX/XX/XXXX, despite the fact that they managed to withdraw these funds in less than two business days. This delay in refunding my money is unwarranted and unacceptable, given that the terms of the transaction were not honored. 

This conduct by Carvana not only breaches our original agreement but also exemplifies poor business practices by imposing undisclosed terms after the agreement and unjustly withholding significant funds from my account. 

I am seeking the CFPB 's assistance to ensure the prompt return of my {$25000.00} cash down payment, as well as the additional {$290.00} delivery fee. Enclosed are all relevant communications with Carvana, screenshots showing the withdrawal from my checking account, proof of my current valid license, and documentation of my license renewal. 

Thank you for your prompt attention to this matter
Product: Debt collection

I was notified by Glass Mountain Capital LLC about an alleged debt with XXXX  XXXX XXXX XXXX ). I notified XXXX XXXX XXXX XXXX  ) over ten years ago about this fraudulent account and from my recollection, they took care of the issue. However, my name has been associated with this alleged debt. I request that this collection agency provide the original documentation for this account, with my original signature and date, as governed by the Fair Credit Report Act. In the letter the letter from Glass Mountain Capital LLC, it states that they contacted their client, XXXX XXXX XXXX XXXX. I have not idea who or what this company is and have never heard of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts are still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : charge offXX/XX/XXXX
Product: Credit card or prepaid card

I recently signed up for the Citi Premier card which offered XXXX Thank You points after spending {$4000.00}. After completing the spending requirement Citi told me I would not receive the bonus because I had closed an XXXX XXXX XXXX XXXX XXXX card in 2017. The terms of the offer had no mention of the XXXX XXXX XXXX XXXX XXXX   card affecting my eligibility for the bonus.

The offer stated : " Bonus ThankYou Points are not available if you have had a ThankYou Preferred, ThankYou Premier or Citi Prestige card opened or closed in the past 24 months. '' https : //citicards.citi.com/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My name is  XXXX   XXXX .  Nelson, Cruz & Associates  debt they claim I owe, but I have been unsuccessful trying toget a proof of their claim.     Please find below a copy of the letter I 've sent them :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX   XXXX  XXXX  XXXX   XXXX   XXXX ,   XXXX    Nelson, Cruz & Associates  and  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Filed Dispute to  XXXX   XXXX   XXXX   Nelson, Cruz and  Associates In regards to my previous conversation with your company regarding : File No :  XXXX  Debtor Id :  XXXX  Client :  XXXX   XXXX   XXXX  Creditor :  XXXX  Current Balance : {$7000.00} Client Claim :  XXXX  Reference to your pdf email  XXXX ,  XXXX    XXXX  .     I did not agree to any such paymentnor authorize you or any company you represent for a payment of {$2000.00}. Your request seemfurnished anddeceptive. And I do perceive your business practices as unfair.   Your business practices is aggressive andviolated federal law.   Im hereby asking you again for PROOF of your claim.   Additionally, I have found grounds to conclude that your company is misrepresenting itself and making up threatening actions that are illegal. None of these practices are lawful.   Validation of debts and Fair Debt Collection Practices Act You did mentioned the validations of your claim by anexecutive order and that  XXXX  was under auditboth documents asreasons you claim validates your claim.   I asked you for both documents which you have refused to address.   None of these intentional frequency and persistence of noncompliance practices by companycomplies  XXXX   XXXX   XXXX  Practices  XXXX  by federal trade commission in reference to you letter dated  XXXX ,  XXXX    XXXX  .   In this regards I am hereby asking your company or the company you claim you represent to once againadresse myprevious request.   Please send me a documented PROOF of your claim.   Acquisition of location information Your Company Email letter heading is confusing and in regards to this I also want to know if your company i s Nelson, Cruz and Associatesor  XXXX    XXXX     XXXX or both?     Thank you,  XXXX   XXXX .
Product: Vehicle loan or lease

I am filing a complaint regarding an unfair charge assessed by Chase Auto Finance related to my lease of a XXXX XXXX XXXX XXXX Sport and the negative impact this has had on my credit report. 

Details of the Issue : XXXX. Unfair Lease Charge : I returned my leased vehicle to the dealership on XX/XX/XXXX. At the time of return, no damage was noted, and no inspection report was provided.

A delayed inspection by Chase Auto occurred nearly a month later, at a location far from where the vehicle was returned. This inspection claimed a {$3000.00} charge for an alleged scratch on the display, which I dispute. 
2. Credit Reporting Issue : The disputed amount has been reported as delinquent to the credit reporting agencies, resulting in a significant drop in my credit score. Reporting a disputed balance as delinquent violates fair credit reporting practices and has caused undue harm.

3. Inspection Process Concerns : The delay in the inspection and its occurrence after the vehicle left my control raise serious questions about the validity of the damage claim.

The lease agreement does not clearly define excessive wear and use, and any alleged scratch on the display should reasonably fall under normal wear and tear for a commonly used component.

Steps Taken to Resolve the Issue : I submitted a dispute letter to Chase Auto on XX/XX/XXXX, requesting that the charge be waived and the erroneous credit reporting corrected. They never responded to my letter. 
I also filed a dispute with XXXX, which concluded without resolution as Chase Auto verified the information as accurate.

Supporting Information : The vehicle was returned in good condition and accepted without any reported issues by the dealership.

Chase Autos delayed and remote inspection raises concerns about the accuracy of their claim.

The reporting of the disputed charge as delinquent has caused unwarranted harm to my credit score.

Thank you for your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credco XXXX XXXX, XX/XX/2019 No information available Hard Inquiry
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX never received written consent to report anything to the major XXXX credit bureaus. Fair Credit Reporting Act 15 U.S.C 1681 states each credit have to receive written consent to report an account written consent was not given please remove account from each credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by me nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting.. 
I need the following inquiries deleted as soon as possible : 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 XXXXXXXX XX/XX/2021
Product: Debt collection

Debt was disputed and resolved around XXXX XXXX. This debt was removed from my credit report and the credit collection services confirmed that it was indeed removed on XX/XX/XXXX via phone call. Although the collection account was removed the CCS claim that it does not matter that it was resolved that way and that I will still need to pay them even though its not on my credit report. I reached out to XXXX  XX/XX/XXXX and they stated they would need information from CCS before removing the amount owed and then again, reached out to the CCS and they said they would need information from XXXX  before removing amount owed. So both companies are waiting to hear from each other about the debt being removed. Yet the CCS is aware it is no longer owed. When I disputed this debt in XXXX of XXXX and it was removed I never heard from XXXX  or the CCS until XX/XX/XXXX 6 months later saying I need to pay them. Its crazy how this debt is not on my credit report but I can be harassed to make a payment 6 months later.
Product: Debt collection

XXXX XXXX Credit Monitoring notified consumer of alert on XX/XX/XXXX at XXXX by consumers email address, that some unknown company were found on XXXX Credit Services Monitoring System . The company name is NCB Management Services Business XXXX, located in XXXX, PA XXXX. On consumers credit report, it indicates, company NCB Management Services indicated consumer open an account in XX/XX/XXXX, with a balance of {$12000.00}. Also states, collection past due. Consumer never open an account.