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 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 60 days 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 XXXX
Product: Credit reporting or other personal consumer reports

The FCRA and XXXX of XXXX : The FCRA mandates XXXX information on credit reports must not be misleading or create an inaccurate representation of the consumer 's credit history. Reporting multiple charge-offs for the same account could potentially be considered a violation of this rule if it makes the account appear worse than it is. If a creditor is reporting the same charge-off repeatedly, it may be considered inaccurate or misleading. In such a case, you can dispute this with the credit bureau ( s ) under your rights provided by the FCRA. 

Date of alert XX/XX/year> Last update date XX/XX/year> Date opened XX/XX/year>XXXX XXXX type Potentially negative Account balance {$1100.00} Payment status XXXX XXXX XXXX XXXX XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i looked at my credit report an i see a number of fradulent inquiries on my credit report i didnt apply for any of these cards XXXX  XXXX bank XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX i dont know who applied for these cards
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 

Please update my credit report as per law abiding accuracy of data.
Product: Credit reporting, credit repair services, or other personal consumer reports

Out of all the three Credit Bureau Experian continues to report incorrect information on my credit report and lowers my credit score by XXXX points from the other bureau. Example as of XX/XX/2021, I had a credit score of XXXX and 3 months and 8 days my credit drop down to a XXXX. They also continue to report the following items that not my account and that has been deleted from other credit reports because they were not my accounts 1XXXXXXXX XXXX XXXX XXXX XXXXXXXX ID XXXX XXXX XXXX. 2.XXXX XXXX XXXX ACCOUNT # XXXX {$1500.00} 3.XXXX  XXXX Bank {$1400.00} 4 . XXXX XXXX {$1500.00} They are also showing lates and closed accounts that are still open and I have not received anything from the creditors that the accounts are closed or late, and I make monthly payments on these accounts and received monthly statements from them. And some of these accounts balance is incorrect with wrong account numbers 1.XXXX XXXX ( Still Open and never been late ) 2. XXXX  XXXX  XXXX ( Still Open and never been late ) 3. XXXX ( Paid off and wrong account number )
Product: Bank account or service

I had a checking account with M and T bank. I had an overdraft line of credit with them as well, just to be used if my account was overdrawn. I had this for several years with {$0.00} in fees and a low APR - since it would be a charge of {$10.00} or less and paid off at the end of the month kind of thing. 
After the XX/XX/XXXX subprime credit crisis, the terms on the account change. I learned quickly that there was an exorbitant fee ( {$40.00} ) and 27 % APR on the card, compounded what seemed to be daily because I could n't even pay off the balance without more interest showing up. 
I moved my checking account to XXXX, and kept my M and T checking account with overdraft line of credit open in case of an unforseen issue. 
In XX/XX/XXXX I did a credit check, and got suckered into the " enter your CC number for a free credit report '' scam. I then got seriously ill for 3 months. 
During this time the " free credit report '' agency billed me twice for 40 dollars, and then again for 40 dollars which I got reversed. 
This ended up hitting my overdraft since it was an empty account no one was supposed to use, for a total of 120 in principal,?? in fees, and then the 28 % APR. By the time I recovered and was able to log back in ( the paper statements went to my old address I no longer lived at ) There was a balance of {$270.00} on my overdraft. Instead of trying to fight the bank since M and T has treated me so badly in the past, I transfered the balance from my XXXX account, and paid my overdraft account. However unknown to me - because of the insane interesting compounding in the 3 days it took to transfer money from my XXXX account just under {$9.00} dollars accrued in the MTB overdraft account. 
I called and said close all my accounts, and never spoke with them again. 
2 years later when I applied for a car loan, I look at a copy of my credit report and find out MTB sent a delinquent notice to all the credit agencies. 
They never called me. 
They never sent the NINE DOLLARs to collections. 
I was furious, I called M and T and they refused to do anything except let me pay the 9 dollars and stop reporting the delinquent account. 
My credit will be impacted for 8 years because of this travesty, please help me. 
Because my accoutn is closed I have no paper records of this - maybe if I file a lawsuit with the bank I can subpoena them?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I completed a CFPB report against TD for inaccurate information and reporting on my credit report. The issues still arises. Here is a list of the complaints CFPB Complaint # XXXX ( the " First Complaint '' ) CFPB Complaint # XXXX ( the " Second Complaint '' ) CFPB Complaint # XXXX ( the " Third Complaint '' ) The issues is the incorrect reporting on my credit and violating many FCRA laws. FCRA states, " FCRA violation is when a creditor posts late payments or charge offs after the debt has charged off a past due balance. According to the document from TD the debt was taken care of XX/XX/2020. The upldated credit report from XX/XX/2020 displays TD has reported charge offs for the month of XXXX, XXXX, XXXX, and XXXX of 2020. Which is a direct violation since the charge off was paid XX/XX/2020. The attached credit report and dispute results from experian will display such. Acording to FCRA, the information must be deleted due to its blatent inaccuracy and violation of FCRA 623 ( a ). Legal and monetary rememdies can be obtained under FCRA. The incorrect information has affected me in the home buying process and getting other loans for my business. I have attached my current credit report, dispute details that denied my dispute, and FCRA full law handbook for TD 's reference.
Product: Credit card or prepaid card

I was granted a {$1000.00} business gift card via American Express. I sporadically use it, however I wanted to check my balance before making a purchase the other day and to my surprise I only had {$20.00} left on my card. The americanexpress.com/XXXX  website actually shows the transaction date, post date, description, reference number and amount of the purchase. There is an unauthorized purchase for {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX - Purchase ( XXXX ) w/ XXXX XXXX XXXX XXXX that XXXX confirms was not used with my authorization as that card was never added to my XXXX account i have. When reaching out for help on XX/XX/2018 to American Express a representative by the name of XXXX informed me that I must contact the merchant for further resolution as they can not do anything for me. I followed their advise and contacted XXXX which I dealt with for about a month with no results. They informed me that they would not be refunding me any money as the security breach was not on their end so they will not be responsible. I do not feel I nor a third part should be responsible for this! Someone took my money and I want it back! It is as if American Express supports theft and not customer service when it comes to these situations.
Product: Prepaid card

I made a purchase with my gift card on line. The company cancelled the order and sent, me an email showing that they had. Because I can't regfister an address with the card. 
Now it shows pending charge on my card and has for almost a week. They won ' ; t let me file a complaint on a pending charge.So there is nothing I can do, can't even contact the company. I will never buy a vanilla card again. This is the second problem I have had with them. Please helep me out on this. I am a XXXX XXXX  on a fixed income and need my money.. 
The card number is XXXX XXXX XXXX XXXX. XX/XX/year>. The company powersports has been very cooperative and had no problem making sure the order was cancelled and told me the funds would be put back on my card. The problem is with Vanilla gift card.
Product: Debt collection

Company has been calling my previous job. After contacting them I asked why I didnt receive a letter in the mail or a phone call on my personal phone, she stated she didnt know why. I asked for a letter stating the debt and my options of any, she refused and said she could do it via email. I stated I needed a letter in the mail, and she said I do not have time to mail anything as a judgment will be sent over to your local court house tomorrow. And they will put a judgment on your name, and garnish your wages. I asked why she was talking to me in the tone she was talking to me in, and she hung up on me. I tried to call back and the number is not working now, and my calls wont go through.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX || Date of inquiry : XX/XX/year> XXXX  || Date of inquiry : XX/XX/year>
Product: Student loan

I took out a student loans for my daughter that is past due and I have been trying to renegotiate payment ; however, I am facing what I consider to be unfair and arbitrary business practices. The negotiation has been in bad faith on the part of Navient and its debt collector, XXXX XXXX XXXX. 
When I first called to settle the staff member only wanted to get me in a loan rehabilitation program. I, however, wanted to have a payoff which would save me money in the long run. Their standard pay off of 91 % of the debt was too high for me. The next day or so, I called back and got someone willing to put in an offer to Navient. Navient came back with an offer that was still too high. I counter-offered and they came back with a HIGHER pay off amount. They said they recalculated according to the poverty levels in each city and state. When asked for the calculations and documentation, they would not supply it. 

I consider it negotiating in bad faith to raise the pay-off amount from their original offer. The agent answered that they do quarterly reviews. It is not the end of a quarter and I find this change arbitrary and unethical. The end of the call noted the collection costs of {$1100.00}. It sounds like they increased the pay-off to cover their own fees. This is an undue burden and leaves me with the sense that XXXX XXXX XXXX is selling their loan rehabilitation program to the continued detriment and debt of the borrower and not allowing any options. 

As the borrower, I have no recourse which is contrary to American values. There are NO telephone numbers at Navient to call. No people to speak to at Navient. I am only able to speak to people who are earning money off of my debt and have no interest in helping me with a reasonable and rational settlement. 

I also believe that an XXXX somewhere and Department of Justice should look into these business practices that actually hurt rather than help the poor. 
Thank you for your kind attention.
Product: Credit reporting

XXXX incorrect information. 
Previous balance of {$3000.00} was the original purchase in XXXX, was never late since the interest was 0 % for 1 year or 23 % if not paid in full. original purchase was paid in full back in XXXX, then additional purchases were done and was again paid in full in XX/XX/XXXX as will show the attached XXXX statement .... 
Thank you in advance for your great support!!! CFPB
Product: Student loan

I started attending XXXX XXXX in XX/XX/2009. I went a year without any problems. Then I went through some life changing problems and had to stop schooling for a short time, about a month or two. When I went to re-enroll they had canceled my program, XXXX XXXX, and could no longer get a associates in that area of study. So I switched programs but they just were not for me. Now I have all this debt, no degree and credits that nobody wants. I'm stuck and very upset about it. No one wants to work with me on figuring out a solution other than asking for the loan payback. 

While attending the college, they were unprofessional and it seemed like they just wanted you to just cruise through the courses. What I mean is it seemed like they just passed you no matter if you learned the studies or not just to get you out of there. I feel like I learned nothing from this college other than how to spend a ton of money while getting absolutely nothing in return. I was trapped.
Product: Mortgage

My escrow account is in the negative due to XXXX XXXX XXXX paid taxes for my house and another house with the same street name from my escrow account. I called in XX/XX/XXXX and was told it would be fixed. Called a few more times in XX/XX/XXXX and was told it was being fixed.. Well it's XX/XX/XXXX and still no resolve. I received a statement stating my mortgage was going up to XXXX due to my escrow acct was XXXX. I called and was told they are still working on it. I was transferred to Core Logic the 3rd party carrier and they said they only did what XXXX told them to do. On XX/XX/XXXX I was speaking with XXXX agent ID XXXX at XXXX XXXX and she stated it was not her problem and transferred me to XXXX agent ID # XXXX. XX/XX/XXXX i received a new statement stating my new mortgage payment would be XXXX starting XX/XX/XXXX. XXXX has not received the refunds for the payments they made in error for the taxes. However, I was told if i do not make the monthly payment until they fix it, I could go into foreclosure. I am a single mom who busted my XXXX to get my family in a house. I have paid all mortgages and for them to threaten me that i may lose my home for their error is absurd. I need help. Please Help me.
Product: Checking or savings account

On XX/XX/2020 I deposited {$1000.00} check from my wifes checking account from another bank. 
Normally when I do this, {$100.00} is available immediately, and the other {$900.00} is available the next day. 
The next day, all {$1000.00} was showing as credit, and my mortgage payment showed as paid with a remaining balance of {$33.00}. 
All seemed fine, then at XXXX I tried to use my debit card and it was declined. 
I logged into my online bank and see that my balance is - {$860.00}. 
The bank is closed, so I have to deal with it the next day. 

The first thing I do is call the XXXX # because the branch isnt open yet. They say there was a hold on the check because my wifes bank refused the withdrawal, and they would need release documents from them to reverse the hold. 

My wife and I get the document from her bank, along with additional information that they NEVER refused payment on the check. 

We brought this information to a TCF branch location and spoke with a Bank Supervisor. 
She looks into the situation while we wait at the teller station. 
She returns, saying her Loss Prevention Supervisor said that my wifes bank reported insufficient funds. 
We showed her the paperwork proving that wasnt true, along with contact information for my wifes bank to confirm that the Loss Prevention Supervisor made a mistake. 

We were there over an hour- they wouldnt even TRY calling the other bank. Just said over and over they refused it. 
We left after they said they would continue to work on it and call us. 

In the meantime, we called my wifes bank AGAIN just to confirm AGAIN that they never refused the check, and they have no record of ever giving TCF insufficient fund information. 

When TCF called me later and continued to state that the other bank refused to pay the check and it is on a HARD HOLD until XX/XX/XXXX. 

Meanwhile, they sent my mortgage payment back and I had to go pay that in person. 
It was never resolved, and one year later I am still trying to get help with this.
Product: Credit reporting or other personal consumer reports

Dear EXPERIAN cease and deceist I am writing to formally request that you cease and desist from reporting inaccurate information on my credit report. My name is XXXX XXXX, and my Social Security Number ending XXXX. 

Upon reviewing my credit report, I discover reporting on my credit report of {>= $1,000,000} XXXX XXXX XXXX  listed under the account number XXXX that does not belong to me XXXX XXXX {$10000.00} account number XXXX XXXX XXXX XXXX  account number XXXX AND ANY INQUIRY. This entry is incorrect and negatively affects my credit score.

In accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1692g/1692 c ( c ) I request that you remove all inaccurate listing off my credit report Immediately cease reporting the inaccurate information.

Investigate the disputed entry and correct or remove it from my credit report.

Provide written confirmation that the information has been corrected or removed.