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

I recently investigated my Equifax credit report and noticed the account listed directly below is marked as 30 days past due in the Payment History section, XX/XX/year>. This has been verified by the credit card company as paid on time. 

XXXX XXXX XXXXXXXX # XXXX Under 15 USC 1681 ( e ) ( b ) Accuracy of report : when a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 USC 1681 ( i ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

In accordance with the Fair Credit Reporting Act, this error on my credit report has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Please remove the " 30 days past due '' designation on this account, immediately.
Product: Credit card or prepaid card

HELLO, On XX/XX/XXXX I paid the total balance of {$5000.00} that is displayed on my HSBC Credit card account. Few days later, I had seen {$17.00} as late payment. I contacted customer care couple of times and I clearly mentioned that I made payment in full. I requested them to close my account. I have not received any confirmation that my account is closed. In the month of XX/XX/XXXX, I had seen another charge in the amount of {$37.00} as late fee. I contacted customer care again and clearly stated that I paid the amount in full and I requested to close this account. But the customer care keep on stating that their department doesn't handle these queries. They transferred my call to another department and they told the same story that their department doesn't handle credit card queries. They keep on transferring my call across multiple departments until i give up. Recently I got a year end balance statement and it is showing that I owe them {$180.00} in late payments. I contacted customer care again on XX/XX/XXXX and I clearly explained my plight. They again transferred my call to another department stating that they dont handle credit card queries. I contacted the number mentioned on their website and I contacted another number given to me by their online chat department. Now I received another number XXXX. I will contact them again tomorrow to resolve this issue. Their customer care department is playing with loyal customers if they decide to close their account. Felt very disappointed and very bad customer service.
Product: Credit reporting or other personal consumer reports

I've contacted the Credit Reporting agencies via phone and mail in regard to continuously reporting a charged-off account to my credit profile. The SECU account has been canceled and forgiven by the lender. This account has been written off by lender and is now taxable income. INCOME CAN NOT BE REPORTED on a consumer report. I've requested a total of 3 times for this information to be removed and updated. This debt is not disputable, the company has filed it on their taxes, and tax write-offs can not be reported. This account is being illegally and inaccurately reported on my credit profile. Furnishing this account to my profile is in violation of 15 USC 1681 ( E ) B. Each credit reporting agency has the responsibility of reporting maximum accuracy.

This inaccurate reporting is severely impacting my ability to obtain credit and also violating my rights as a consumer..
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a federally protected consumer, authorize this investigation. I have unauthorized fraudulent accounts on my credit report that I do not consent to be on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely frustrated with all of the major credit reporting agencies ( XXXX, TransUnion, XXXX ) and their antiquated algorithms for credit score calculations. I have paid off ALL credit card accounts every month, paid my mortgage on time, etc. for 7+ years - yet still, if I have any sort of increased expenditure for a given month - even though it is paid IN FULL at end of the month - it still has a NEGATIVE IMPACT on my credit score if/ when my credit card utilization for a given month exceeds 30 % even though it is paid off IN FULL each month! This is total XXXX & needs to be FIXED. I am so tired of my credit score fluctuating from the low to mid XXXX to over XXXX & the only reason it dips below XXXX is due to greater than 30 % credit card utilization in a given month. This is total XXXX as to a reason for why my credit score should drop ( however temporary it may be ) & I am tired of the credit bureau agencies doing what they want to & totally XXXX over consumers because they refuse to UPDATE their credit score algorithms to something that makes sense. I am a financially responsible consumer who has larger expenditures from time to time- as pretty much ALL CONSUMERS DO- but always pay them off in full within the 30 day cycle. WHY should I be penalized by a 50+ point credit score drop in a given month merely because my CC utilization goes up from time to time? This makes NO sense & is a totally arbitrary factor in calculating a credit score & needs to be FIXED. I want a response & I want ACTION to resolve this ridiculous factor that goes into a credit score calculation. Makes NO sense & causes stress on many consumers for NO GOOD REASON.
Product: Credit card

We closed credit card account with Citi Bank in XXXX XXXX. Their customer service confirm the closing by email and asked us to wait for the final bill to make the final payment. We did not receive the final bill hence paid the last bill received from Citi Bank ( late XXXX XXXX ) as Final payment. Citi Bank then sent an e-mail asking for late fees which we are disputing for past 4 months.
Product: Credit card or prepaid card

I received my first bill from Synchrony Bank regarding a store account on XX/XX/2020 ; the bill was dated XX/XX/2020. Two items were wrong : First, I had been charged a late fee of {$28.00}, and second, I had a past-due balance of {$97.00}. As this was the first bill, both items were clearly wrong. 

I called the bank 's customer service number to get the bank 's errors corrected. The late fee was waived ( as a courtesy ; those words were a bit insulting, since the error was the bank 's ), but I was advised nothing could be done to correct reporting of the past due amount other than to write a letter to the bank demanding a correction.
Product: Debt collection

On XXXX XXXX 2015, I had XXXX taken at the " XXXX XXXX of XXXX, XXXX. '' located in XXXX, XXXX On XXXX XXXX 2015, I received a bill for {$91.00} from the " XXXX XXXX XXXX XXXX XXXX XXXX '' agents for the XXXX XXXX XXXX XXXX XXXX On XXXX XXXX 2015, I paid the amount in full to the XXXX XXXX XXXX. 

Yesterday, XXXX XXXX 2015, I received a phone call from a man named XXXX, employee of " Peter Roberts & Associates, Inc. '' He used the number ( XXXX ) XXXX. He claimed that I still owed {$91.00} for the XXXX I had taken. He was able to supply me with my home address, birth day, and the last XXXX digits of my social security number in order to verify the veracity of his claims. I still did n't believe him. So I called the XXXX XXXX XXXX 's medical billing department at XXXX XXXX XXXX XXXX and they confirmed that I paid my bill in full and on time. Then I called the XXXX XXXX XXXX at XXXX and they also confirmed that I paid my bill in full and on time. XXXX companies told me that they had no affiliation whatsoever with the company called Peter Roberts & Associates , Inc XXXX 

My wife and I receive health insurance through XXXX XXXX XXXX, who was the victim of a XXXX on XXXX XXXX 2015. We suspect that Peter Roberts & Associates somehow received our identity information directly or indirectly through this attack.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate |
Product: Credit reporting, credit repair services, or other personal consumer reports

Why is XXXX still appearing on my credit? This should have been totally remove. I have attached the aud control number for removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX of XXXX : XX/XX/2021 XXXX
Product: Checking or savings account

My wife and I had our wedding on Saturday XX/XX/year>. We received many gifts in the form of cash and checks from friends and family. On Monday XX/XX/XXXX, we went into the Bank of America branch in XXXX, MA and deposited a total of {$8000.00} in the ATM in the branch. {$1000.00} in cash and {$7000.00} in the form of 4 checks ( {$5000.00}, {$1000.00}, {$500.00}, {$500.00} ). 
On Tuesday XX/XX/XXXX, I attempted to log into by Bank of America app on my phone and found that I was locked out. After attempting to update my password and then calling Customer Service I was told that the bank chose to end the relationship and close all 4 of my accounts. Personal Checking, Personal Savings, Shared Checking and Shared Savings accounts. Shared accounts are with my wife XXXX XXXX. 
I've spent several days on the phone with Bank of America Customer Service, Check Fraud and Scam services and I learned that Bank of America closed my accounts for suspected check fraud. I've been told the check that was fraudulent was for the amount of {$5500.00}, check number XXXX, from XXXX Bank. I did not deposit a check for that amount and I believe that the bank is made a mistake. 
At this point my wife and I do not have access to any cash in those accounts and we are not sure when the bank will be sending our checks with the remaining funds. We are supposed to be moving across the country from XXXX, MA to XXXX, ID on XX/XX/XXXX and we do not have access to our money. 
I was not aware of any fraudulent check that may have been deposited. The checks were all from close friends and family. When I ask Bank of America about the check amount, who it is made out to, who it is from, and the amount they tell me that they don't have access to the check images because my accounts are closed, which they decided to do without telling me. I believe that the bank made an error and they are causing serious distress to me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report today XX/XX/22 and have found that unauthorized inaccurate late payments are being furnished to my credit report. I did not give written consent to have transactions between the furnisher and myself to be reported by XXXX transunion, or XXXX. A consumer report should EXCLUDE transactions and experiences between the consumer and person making the report, that is stated in 15 usc 1681a ( 2 ) ( A ) ( i ), so why is payment history being reported? please see attachment for details
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I was alerted by my XXXX XXXX fraud alert that Capital One requested my credit report without my consent or knowledge. 

I sent Capital One a validation letter under FRCA section 609.
Product: Debt collection

I recently noticed a collection account listed on my credit reports from Transworld for {$310.00}. I am not aware of where this collection came from and I am requesting debt validation. Please provide copies of a signed contract and copies of billing transactions to validate this debt
Product: Credit reporting or other personal consumer reports

I am the victim of Identity Theft verified through FTC Identity theft Report # XXXX filed on XX/XX/year>, XXXX XXXX XXXX Police Department ( XXXX ) XXXX Report # XXXX, there are XXXX accounts on my credit report that I have repeatedly disputed with XXXX, XXXX, and TransUnion without the accounts being investigated, blocked or corrected, I repeatedly receive dispute responses telling me that the fraudulent accounts " have been verified '', I need assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint Description : Honda Invoice dispute on 2019 XXXX County Personal Property Tax Invoice. Tax is not owed due to sale of the vehicle. Honda invoiced consumer after the account was closed and paid in full.

I purchased my Honda Lease and all outstanding payments were paid in full at time of the transaction ; I had a zero balance and no late payments. After the vehicle was sold from a Lease and the account closed, Honda invoiced for 12 months of XXXX County Personal Property Tax in the amount of {$350.00}. This amount is disputed due to sale of the vehicle. The amount is owed as a refund by XXXX County due to the vehicle sales date. Per XXXX County Treasury Office, it is Honda 's responsibility to request and collect a refund from XXXX County. 

Honda was not able to provide the prorated amount due until XXXX County refunded tax collected. On XX/XX/2019, XXXX County refunded {$270.00}. To date, I have not received from Honda a revised statement showing my balance due with the XXXX County applied credit. I did receive a letter dated XX/XX/XXXX, as a dunning notice to pay {$79.00} within 30 day. {$84.00} was paid XX/XX/2019 confirmation # XXXX within the terms of the letter. Honda incorrectly reported to the Credit Bureau 60 days delinquent. My prorated portion of the payment was made timely, within 30-days.. 

After purchasing my Honda Lease, XXXX County Tax Department Invoiced me directly for the same vehicle for 2019 Personal Property TAX due {$260.00}.
Product: Debt collection

Friday XX/XX/XXXX I had paid Credence for my direct tv that is in collections, they are the last bill/mail I could find about it. Saturday XX/XX/XXXX {$290.00} was withdrawn from my husband 's XXXX  account for the payment. 

Yesterday Monday XXXX I found out that Credence is not in holding of my direct tv collections but XXXX XXXX XXXX  is. So I called Credence to see if they could send my money back to me so I could get it to the right people. Credence said they have no record of the payment. So I called XXXX at XXXX XXXX, we are trying to refinance our house and part of it is paying the collections off. 

XXXX suggested to wait til Tuesday XX/XX/XXXX ( today ) to called XXXX XXXX  to see if Credence sent the payment to them possibly. So I called Enhanced Recovery as suggested. The lady at XXXX XXXX  told me nothing was sent to them but they are the ones holding the collections. She also told me that Credence shouldn't have taken the money out when they are not in holding of this collection account let alone me being able to even access the website for payment. She recommended calling Credence back to find out why they still withdrew the money. 

After i got off the phone with XXXX XXXX  I called Credence to find out the information. The lady at credence said again they have no record of payment or it being with drawn from my husband 's hapo account even though I have a saved pdf of the account showing Credence withdrew the {$290.00} from the account as well as the receipt from making the payment. 

Credence is withdrawing money not within their holdings and claiming no records of such withdrawing 's or payments being made. 

I need that money back so I can get to the right company holding my direct tv collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently attempted to use Experian 's website to submit a number of disputes regarding information on my credit reporting account. I have never attempted to submit any disputes before ; this was the first time. All of the accounts that I chose to dispute were in fact my accounts, but they were all either a ) accounts more than 7 years old that were paid in full ; b ) student loan accounts that had been consolidated to a new loan, but were still marked as having a negative impact on my credit score ;  and/or 3 ) duplicate reporting of the same account. On XXXX XXXX, 2019, I submitted 6 disputes. On XXXX XXXX, 2019 I received a notification that one of the disputed items that was a duplicate was removed from my account. On XXXX XXXX, 2019, I received another notification that one of my other disputed items was removed from my account. I have yet to hear about the other four disputed items, which were all related to the Department of Education, concerning consolidated loans that were nevertheless having a downward impact on my credit score. However, immediately following those two notifications, I received two other notifications : On XXXX XXXX, 2019, I was informed that my credit score was decreasing by 6 points On XXXX XXXX, 2019, I was informed that my credit score was dropped by another 1 point, for a total loss of 7 points There was no explanation for the sudden drop in credit score. I did nothing different.I have been paying my phone and utilities on time, and nothing at all has changed in my financial habits since I signed up to use the Experian Boost service in XXXX of this year ( 2019 ). I have not made any hard inquiries or had any other significant changes. The only possibly inquiry to my account was involving these requested disputes, which I understood to be an action I could take to improve and raise my credit score, not to decrease it. However, while there was no indication whatsoever as to the reason for the score decreases, the timing would suggest that it has occurred as a direct result of me making these inquiries, and I am anticipating that my score could potentially drop even further once the other disputes are attended to, and I am deeply unhappy with this result. It is the opposite of what I set out to use this service to do. 

When I reached out by phone, I tried twice, and encountered a system composed entirely of voice recordings, and when you press " 0 '' for operator, or say " Representative, '' the system does not recognize it, and after pressing " 0 '' several times, their phone system disconnected the call, both times. Therefore I was not able to reach an Experian representative to even attempt to resolve this issue through them.
Product: Payday loan, title loan, or personal loan

I filed a complaint against One Main Financial regarding their lending terms and practices. I was concerned that the terms of my loan agreement were usury and unfair. Shortly after submitting this complaint with your office, I was contacted by the customer service office of One Main telephone number ( XXXX ) XXXX XXXX, where I was questioned about the nature of my complaint. 
Shortly thereafter, I noticed that an unauthorized debit was initiated in my checking account by One Main Financial. I am concerned that this debit, which was processed without my consent or authority, was processed in retaliation to the complaint I filed against this company with your agency.
Product: Debt collection

National Credit Systems , Inc. identified me of the debt via mail. They then contacted my brother by phone and left my personal information on his voicemail regarding the debt balance owed, the dates I resided at the residence etc. and my brother is not a party to the account. 

Credit Company : National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to obtain my credit report or dispute items online with Transunion. I have called time and time and no one can seem to help me. They continue to refer me to XXXX and guess what? I ca n't get my report online there either. Calling the customer service numbers is just as equally frustrating as it is obvious that the call centers are offshored to XXXX and I have a HUGE issue with that. Not only can I not understand them, anytime they are forced to work offscript, the customer service reps can no longer help. This industry is the most outdated, unreliable, and draconian of industries that I have ever had to deal with. Unlike our judicial system where one is presumed innocent until proven guilty, the credit reporting industry is the opposite. Guilty and you must prove yourself innocent. So much reliance is placed on credit in the United States and yet the system is BROKEN!!! Not only that, outsourced to countries that probably do n't even know what the concept of credit is!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to dispute an entry for my XXXX XXXX XXXX XXXX account.. The entry on my transunion report is that there has been no payments recorded since XXXXXXXX XXXX. It also states that I am in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It says that the last payment I made on the account was in XXXX, XXXX this is simply not true. I originally contacted them about my credit card entry and Transunion removed the credit card from my report. Then I contacted them again and they said, that I had to contact the creditor to have them report it again so that it can be put back on my credit report. I did that and XXXX XXXX XXXX  stated that they would send the information to Transunion and that it would be placed back on my report reporting all information from the time of removal now that it was verified. It was placed back on my credit report but no information is being reported since XXXX XXXX. I have not been in a XXXX XXXX for over a year and I successfully was dismissed/discharged from my bankruptcy in full compliance as I completed it successfully. XXXX XXXX XXXX XXXX XXXX Account was never included in my bankruptcy. All other credit cards are being reported accurately, however, this one credit card is not. It is not reporting payment history or reflecting an appropriate balance. I have unsuccessfully gone to both Transunion and XXXX XXXX and the problem has been ongoing since XXXXXXXX XXXX. I am desperately doing everything I can to improve my credit and I just want my report to accurately and timely reflect my payments, credit history and standing with XXXX XXXX XXXX