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

My account with Experian 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 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.

Experian 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 submitted a letter to XXXX, XXXX and TransUnion on XXXX XXXX to validate some items on my report. I also sent in another later demanding to comply XX/XX/XXXX. I still haven't received a update or any correspondence. I would like these items removed, since they are neglecting my requests.
Product: Credit card

I have been an American Express customer for nearly 7 years now and have gotten caught up in a loophole where I 'm not receiving any resolution to my concern. I have had my American Express charge card and have faithfully made my payments every month ( there was 1 month where my account was late but I quickly brought it current ). Somewhere along the line, American Express applied a pre-set spending limit on my account of {$1500.00}. Yes, this is a charge card, so immediately I asked why they would apply a pre-set spending limit? Well I received a completely XXXX political answer but I let it fly. 
Flash forward to today when I called and spoke to 9 different representatives and various departments. I finally got to XXXX, Employee # XXXX, who informed me that he can only see up to 12 months or pre-set spending limit history ( this situation is much older than that ). XXXX put me on hold to speak to several departments and came back to advise that ; 1. He can not determine the original reason why the pre-set spending limit was placed. 
2. He does not know how long the pre-set has been on my account ( only that it 's been over 12 months ). 
3. There is no way for him to remove it. 
4. That I have to wait for periodic account reviews to get the limit removed. 
Although he was polite as he could be about it, I find these answers to be extremely appalling. How can American Express apply such a predatory lending practice to a loyal customer like this and not even know why they 're doing it? I am asking that American Express immediately remove this restriction off my account or clearly outline why it is there to begin with. I will raise this matter to each and every regulatory body I have to until answers are provided or American Express reverses the decision. And at the very least, arm your employees with answers so that we do n't have to resort to these matters.
Product: Debt collection

Upon examining my recent credit report, I identified multiple accounts that were added without my consent and seem to be incorrect.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : 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 As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Checking or savings account

I opened my account with BBVA bank on XX/XX/XXXX & deposited with them {$16000.00}. Their interest rate was good & they promised a {$100.00} bonus if an account was opened before XX/XX/XXXX, maintained a balance of {$10000.00} on XX/XX/XXXX & XX/XX/XXXX. I was advised that the {$100.00} would automatically be deposited to my account. On XX/XX/XXXX, I called the bank to inquire about that deposit as it was not done as promised. I was given a complete run-around, then told they would do it within another 90 days. This was not acceptable & I asked to speak to a manager. I was told that that person would call me with 48 hours. Since it was Friday, I told her that if I did not hear by the following Tuesday, XX/XX/XXXX, that I would take further action. company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WANT THE FOLLOWING ACCOUNTS BLOCKED AND REMOVED FROM MY CONSUMER REPORT PURSUANT TO 15 USC 1681B I DID NOT GIVE EXPERIAN XXXX OR XXXX AND WRITTEN CONSENT TO FURNISH ANY FRAUDULENT ACCOUNTS ON MY PROFILE THIS IS INFRINGEMENT TO MY RIGHTS AND I AM VIOLATED I AM DEMANDING A DELETIONS OF THESE ACCOUNTS OR I WILL COUNSEL WITH MY LEGAL TEAM FOR SUIT
Product: Credit reporting or other personal consumer reports

The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, has violated my rights. 

I looked at my Experian credit report 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 the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any re-investigation 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 re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Payday loan, title loan, or personal loan

Do to the covid 19 pandemic, i was furloughed from my job for a few months, that resulted in me being late on 1 payment. I made the payment up, after checking my credit report i found they were reporting me late, i made the payment before it was 30 day 's late. I wrote a letter to the ceo of the company Mr XXXX XXXX, i explained to him what happen and that i was trying to purchase a new home next year, and that this one late could hurt my credit score. He forwarded it to XXXX XXXX She works in the Executive department, she said she could not remove the late.
Product: Debt collection

A XXXX XXXX of NCB Management Services is calling my private cell phone number in an attempt to reach a gentleman I work for as an XXXX XXXX. I have told him this is my PRIVATE cell phone and that I am not related to the gentleman he is looking for. He persists in calling 1-2 times per day ( I no longer answer my phone ). This is harassment AS WELL AS improper contact, especially after I have informed him there is no familial relationship and it 's the wrong number, as well as sharing of highly private information insofar as I now know a creditor is trying to collect money from the man I work for. I do not have the right to know this information, nor do I want to. His justification for calling the number is that it was put on the application, which I totally doubt, since its MY personal cell phone number not related to the business. I believe I got the cell number a long time after the account was opened so it 's impossible that number is on the application.
Product: Checking or savings account

As a financial institution in the United States of America, Citibank does not have adequate fraud monitoring detection services. Beginning XX/XX/year>, various fraudulent transactions began for account holder XXXX XXXX ( for where I am the beneficiary ), that does not make sense. For example : ( 1 ) 9 times the usual savings to checking transfers via a customer call center transfer when all transactions had historically been transferrred via the local branch ATM machine.

( 2 ) Student loan payments began being paid when the account holder is XXXX XXXX XXXX. 

( XXXX ) Credit card payments were being paid off in excess when the account holder had never signed up for credit cards. 

Not only did the bank did not look into the disputed financial transaction ( which I am working on ), they failed to acknowledge any wrong doings on their own end.
Product: Prepaid card

It's been declined online at XXXX and in-person at XXXX XXXX. After calling AMEX, they tell me to keep trying with a different merchant. It shouldn't be this hard to spend a {$50.00} gift card at popular retailers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX  XXXX XXXX I XXXX XXXX ( Original Creditor  : XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXX
Product: Checking or savings account

- I had a checking account and savings account from XXXX  Bank. Sometime in XXXX, XXXX  announced that it will no longer serve me and that my accounts will be transferred to Citizens Bank. I did not want to have an account with Citizens Banks, so I called XXXX and let them know. The XXXX representative responding my call ensured that my accounts will not be transferred, as long as I close those accounts before the transfer in XX/XX/XXXX. 
- I closed both my checking and savings account with XXXX on XX/XX/XXXX, and double-checked with the XXXX representative whether my accounts are closed for sure, and whether I should worry about my account information being transferred to Citizens Bank . The representative ensured that my accounts are closed, and that the account transfers to Citizens bank will not happen. Yet, I received a credit card and a debit card from Citizens bank by mail in XX/XX/XXXX. I called multiple times to XXXX in XX/XX/XXXX to complain : the XXXX representative still insisted that, because my accounts are closed, Citizens can not open my account, and that I should contact Citizens bank because my problem is with Citizens bank. I protested that it is XXXX 's fault because XXXX sent my information without my consent, but all XXXX representatives I talked to repeated a similar line of answers and refused to issue any written confirmation of what they were saying to me over the phone. I now seek what I can do against this unauthorized transfer of my account information and the opening of accounts. 
- When I closed my checking and savings account with XXXX on XX/XX/XXXX, I attempted to close my credit card account with XXXX. The representative said the credit card account will not be a part of the transition to Citizens Bank, so I told the representative I will keep the credit card. Now, because I was unhappy with what XXXX and Citizens were doing with my personal information, I decided to close my credit card account with XXXX. When I called XXXX on XX/XX/XXXX, to close the credit card account, the XXXX representative said, unlike what the XXXX rep told me on XXXX call, my credit card was to be transferred to Citizens Bank from the beginning, and now XXXX can not close my credit card account because it is now transferred to Citizens. I demanded that XXXX check their record of my call with the representative on XX/XX/XXXX, the representative answering my call on XX/XX/XXXX, stated she does not have the authority to check the recording nor has the phone number to call to check. 
- I have made recordings with XXXX customer representatives, which can be provided upon request ( did not attach due to size )
Product: Debt collection

Re : I. C. Systems In XX/XX/XXXXI accessed my credit report to discover a Collection was on the report from a supposed medical bill from XX/XX/XXXX, as of which I received zero communication of the debt in 5 years.

I contacted I. C. Systems in XX/XX/XXXXand the representative indicated an attempt to contact me three times in the year XX/XX/XXXX were made via phone ; however, no logs exist on my phone records showing the company attempted to contact me four years ago. There is not a record of them attempting to contact me since.

I do not believe this debt is mine. I sent I. C. Systems a letter explaining in XX/XX/XXXX. I received zero communication until three months later in XX/XX/XXXX stating they still believed the debt was mine.

I have provided sufficient evidence the debt is not mine. In addition, I have received minimal to zero communication of this debt over the last five years.
Product: Debt collection

I obtain a XXXX XXXX from Continental Finance XXXX, making my monthly payments on time, even got an increase of credit. Well in late 2013 i received notice the current credit card was being transferred to a XXXX card and they will send notice when the new card has been sent out. I continued to make my monthly payment on time, during the months of XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX i called XXXX in concern because i had not received the new card, i was told due to the Holidays the delivery of the card maybe delayed XXXX XXXX XXXX. When i spoke to the individual in XXXX, i could not make any payments as the account showed the balance as zero, i called in again to make the payment and they wanted to charge me a phone fee, so i we went back in front on how i do n't see as a customer who has n't received the new card to set-up the online account to make a payment should pay a phone fee. The individual got rude so i hung up. No communication from this company but today i receive a voice mail from a male stating he was on his way to my home and if i was n't in he would be traveling to my place of employment to serve me papers. He left a number and a case # but no information as to what this was in regards to. I called the number left XXXX XXXX XXXX, the gentlemen who i spoke with stated they were suing me for {$1900.00} on a so called {$580.00} balance ( which the balance should have been around {$350.00} from the last time i made a payment ) stated, XXXX had written off and sold the account to them. I have never received any communication from XXXX or this collections company so how can they immediately sue for something that XXXX was negligent in not providing the new card or account information for me to continue to make payments? Please review and help on this matter.
Product: Debt collection

Complaint Against Valor Intelligent Processing for Continued Harassment Despite Acknowledgment of Incorrect Contact Complaint Summary : I am filing a formal complaint against Valor Intelligent Processing for repeatedly contacting me over the past 6 months, despite their acknowledgment that I am not the individual they are seeking. Over this period, I have received more than XXXX phone calls and SMS messages, despite my clear and repeated requests for them to stop. Their ongoing actions have caused significant distress and frustration. 

Details of the Complaint : For at least the past 6 months, I have informed Valor Intelligent Processing on multiple occasions that I am not the person they are trying to reach and that I have no connection to the account or debt they are attempting to resolve. Each time, they acknowledged the mistake and confirmed that I was not the individual they were seeking. However, despite this acknowledgment, I have continued to receive more than XXXX phone calls and SMS messages. 

I have explicitly requested that they stop contacting me, yet the harassment has continued. This behavior not only violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) but has also caused me undue stress and frustration over the past several months.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US BUS ADMIN ODA , has violated my rights.

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

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

On XX/XX/2022, I made an ATM withdrawal of XXXX XXXXXXXX XXXX  and was charged another XXXX XXXX XXXX in fees for a total transaction of XXXX XXXXXXXX XXXX. I approved this transaction and received the XXXX XXXX XXXX in cash from the ATM machine at the XXXX bank in XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX. On XX/XX/2022, after returning to my home in XXXX, NM, I discovered that the Bank of Albuquerque had withdrawn XXXX U.S. dollars. The currency conversion was not made and the amount was nearly XXXX times more than I received as the exchange rate is around XXXX XXXX XXXX  to XXXX U.S. XXXX  I contacted Bank of Albuquerque immediately on XX/XX/2022, about the error and was advised to file a fraud dispute, which I did. This dispute was denied supposedly because I had used my PIN to approve the transaction. However, I had told the XXXX representative from the very beginning that I had completed an ATM transaction using my debit card and PIN. This was never a question of whether my PIN was used. I never said I didn't use my PIN, only that the currency conversion hadn't been done and that my transaction was in XXXXXXXX XXXX not U.S. dollars. I contacted XXXX XXXX at the XXXX XXXX XXXX Bank of Albuquerque location and he said he would escalate the issue. I waited three weeks and there was still no resolution, even after he escalated to his supervisor who never followed up with me, not once. I contacted the Bank of Albuquerque XXXX and after multiple calls and discussions, I was advised that there was no dispute process for this unique issue of failure to perform a currency conversion in an international ATM transaction. Manager XXXX with XXXX told me that my only other option was to file a short dispense dispute in order to get more information from the XXXX bank that owns the ATM. So I approved this second dispute. On XX/XX/2022, I called XXXX to get an update on the second dispute process and was told that this second dispute had also been denied. I was provided a copy of a document from XXXX in XXXX showing that the transaction was as I had said, XXXX XXXX XXXX, plus XXXX XXXXXXXX XXXX  in fees. However, because the XXXX banking system uses the dollar sign to indicate XXXXXXXX XXXX, and USD to indicate U.S. dollars, the Bank of Albuquerque staff said that I had received dollars and not XXXX  and told me there was nothing that they could do to rectify the situation. I explained this repeatedly to them that XXXX uses the dollar sign to indicate XXXX XXXX, not U.S. dollars, but this information was ignored and I was told there was " nothing else they could do. '' I have been offered 50 % of the money that was withdrawn in error by Bank of Albuquerque, but I have declined because it is still a significantly large amount of money compared to the original transaction
Product: Checking or savings account

Stay away from PNC Bank! They will freeze your accounts in the name of " investigating '' and never provide you a reason in writing or on the phone. After keeping my accounts frozen for about 40 days and not providing me any reason as to why they took this step I had to threaten that I was going to take my case to GA Attorney General and Federal Reserve Board. On the XXXX or XXXX day the local branch quietly called and advised me that they had decided to close all my accounts and remit my funds via cashier 's check. No reason was given for the harassment and mental anguish that was caused due to this unreasonable act - every time I called or visited the branch I was told that a letter was being sent to me explaining why this action is being taken but to date, there is no letter from the bank or proof of any wrongdoing on my part. I can not describe the economic challenges I had to face with my accounts frozen- had to live off family members and borrow money - no regrets or no explanation from the bank to date. 

Please stay away from this bank and save yourself a bunch of trouble - their customer service is also non-existent- they do not return calls.