23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Exeter Finance has continued to be untruthful about the status of my account by reporting that there is a balance due of {$1600.00} and that the account is in a charge-off status. The account was settled in full last year in XX/XX/2020 and I was told it would take time for the status to update on my credit report. I called back to follow-up on the status of my account about every two weeks since then and was told to keep waiting as the account would be closed. After two months, i disputed the account as inaccurate status with the XXXX  credit bureau and had to wait 30 days for the investigation to take place. 30 days later the investigation was complete and they were able to confirm with Exeter that my account was still active and that I had a balance of {$1600.00} due immediately and the account was charged off. All of this was continuing to be updated monthly on my credit report even though we had an agreement in place and they already took my money. I continued to call every other day in XXXX to ask why this was being reported when we had an agreement in place and the account was already settled. I finally spoke with someone who acknowledged that the account should have been closed out in their system long ago, but they could not tell me why this was the case. It took them getting a manager involved ( XXXX XXXX ) to comprehend their own information showing the account should have been closed already. I was then able to request a letterhead proof of my account status be emailed to me since they offered nothing and I had to ask for everything myself. The manager ( XXXX XXXX ) called back a week later to thank me for my time. The damage has already been done to my credit as I have a job that requires I do not have unexplainable debt on my credit report and I am now without a vehicle since I am not able to obtain a new vehicle loan due to apparently still owing Exeter Finance for a vehicle that was totaled over a year ago in a hit and run accident, which they for some reason were also not trying to collect and never reached out to me to pay this mysterious past due balance. I fail to understand why I had to invest any time at all into this situation and was not given any explanation as to why this occurred. As of today, Exeter is still reporting inaccurate information to my credit report simply because they are allowed to as that is how the system is designed to work. Whatever the creditor states must be accurate, so I unfortunately have to face the consequences of their lies and jump through hoops in an attempt to resolve their errors.
Product: Checking or savings account

On XX/XX/XXXX, I received an email through my school email about a job. I applied for it and then had an online interview with the company on XX/XX/XXXX. I went through with the interview and was given the job. They then sent me a check of {$1400.00} on XX/XX/XXXX for the materials that I needed and asked me to send a majority of it to the company they work with to get the materials I needed for the job at the companys discount price. I sent {$1200.00} on XX/XX/XXXX through XXXX XXXX and the total came out to be {$1300.00}. Later that day, they sent me another check for {$1900.00} and asked me to do so the same the next day. On XX/XX/XXXX, around XXXX XXXX, they asked me to send them {$1400.00} through XXXX and wanted me to buy 5 {$100.00} XXXX gift cards and that is when I realized it was a fraud. At that point, I knew the checks were going to bounce and I immediately called my bank and XXXX XXXX and told them about my situation and Chase said that they couldnt do anything because the money was sent through XXXX XXXX. I then called XXXX XXXX and they gave me a case number to give to the police. I called the police and told them everything. I had my mother go talk to the bank in person to see if there was anything they could do and they said that it is possible that I wont have to pay the {$1300.00}, but there was still a chance that I was going to have to pay it. On XX/XX/XXXX, I received a letter from chase bank saying that the issue with the {$1400.00} check was resolved, but on XX/XX/XXXX, both checks bounced and Chase refuses to pay. Chase proved that it was truly fraud, but they still wanted me to pay anyways. They were supposed to protect me and look into the checks before depositing it into my bank account. I had no idea that the checks were fraudulent. They looked like regular checks to me.
Product: Credit card

I went online to my account and paid the full amount that was owed and called Chase that same day and told them I was closing the account. 

Almost 2 months later I get a text and an email stating my account is past due. I looked online and the same day my payoff was posted, other charges were posted. along with {$95.00} of interest. I asked them what that was about they claim it is billed in arrears and these were charges coming over on next statement... I told them that when you pay online it does say this is not your payoff, like an auto loan or home.. I never received a notification stating that I owed any more money until it is 16 days past due. 

I had an account with them for like 10 years maybe more have paid tens of thousands of dollars and have excellent pay history with them, this is so deceiving and completely unacceptable. 

I attached a copy of billing charges and a screen shot that shows amount owed and underneath states current balance not a statement that this might not be your payoff so contact us .....
Product: Credit card or prepaid card

I reported and disputed charges on my XXXX XXXX XXXX Credit Card XXXX XXXX in XXXX XXXX for additional charges placed on my credit card for items I did not order or receive. I only ordered four {$45.00} items but was only sent and received two {$45.00} items ( A total of {$90.00} XXXX. for those two {$45.00} items. The remaining chargeson my credit card are bogus. I filed a dispute and submitted supporting documentation to XXXX XXXX whom failed to resolve this issue. Instead XXXX reversed the charges of {$850.00} back to me for me to pay for merchandise I never received.The company in question is called XXXX XXXX XXXX whom falsely advertises and represents themselves as XXXX XXXX XXXX.. I now know this is not a XXXX store but rather a fradulent company operating out of XXXX. Their website is XXXX XXXX ordered I placed on XXXX was for tour items at {$45.00} each. Four items were ordered but only two itits were sent and received. The Merchant individually sent the two items with seperate packaging and seperate tracking numbers each package weighed 1 pound. When I addressed this issue with the Merchant requesting my two remaining items the Merchant simply replied that no other items will be sent and no credits will be placed on my credit card. I reported and sent this correspondence to XXXX XXXX to help assist with their investigation. XXXX have failed in their lending practices and is upholding a fradulent company. I now have a fradulent credit card charge and bill for {$850.00}. 

Thank you, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I received a settlement letter from XXXX XXXX XXXX XXXX XXXX representing American Express for a debt I owed of {$4000.00}. The settlement offer was for {$1400.00}, which I accepted and paid off in full by the dates outlined in the letter by XXXX XXXX, XXXX. However, the public record continued to show in XXXX XXXX records through XXXX. I was unaware that the debt was still showing as not paid. I was made aware in XXXX XXXX when I attempted to make a house purchase and was notified by the loan officer. I immediately reached out to both AMEX and XXXX  XXXX  to clear up the bad record. I provided the settlement letter and proof of payment. I received a court release letter in the mail two months later. It has been cleared ; however, during the time it was on my record, I refinanced a home and purchased a car but did not receive the best interest rates and paid more. I was also denied credit with some other creditors as well due to the negative mark on my credit report and XXXX.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX 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 ( 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 XXXX 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 XXXX ( 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 ) 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 card

I went online to XXXX on XX/XX/2016 and purchased a TV sound bar bundle. Confirmation number XXXX. The order went through ; however, Bank of America denied the charge, then accepted the charge. Since they initially declined the charge, the order with XXXX was cancelled. When I found out, I called back to XXXX who said the item is now out of stock and the offer is no longer available. I had to purchase this item elsewhere and the total loss is {$220.00}. XXXX has advised the person of wrong doing is Bank of America for cancelling denying the initial transaction. I would like to be made whole and Bank of America has declined a valid charge. Loss : difference in pricing {$50.00}, XXXX Cash {$150.00} ( for making purchase ), XXXX rewards {$50.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently cancelled my subscription with Experian for credit Monitoring. I have ( had ) Very Good credit with all the bureaus. The other two ( XXXX and XXXX ) are still very good and have not dropped. Nothing, and I mean NOTHING has changed with my credit report or use. However, within 2 weeks of cancelling my subscription, Experian dropped my score by XXXX points with no reason, or explanation. I searched the site to see why and, nothing on the site has changed, except my cancellation, and when you inquire why, they have no answer or proof. This is the second time they have done this. Please help! They are punishing people for not signing up with them.
Product: Credit card or prepaid card

A balance of {$210.00} was paid on or around XX/XX/2022. The balance is still on the account after countless phone calls and emails. I mailed a dispute acknowledgement form when I called about the status they said it was closed ( I was never notified ) and it was double credited and I still owe the {$210.00} plus interest and late fee. I never received a refund for the {$210.00} and if I pay it again I'll be paying it twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

According to 15 USC 1618i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission.

According to 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe the information is inaccurate.

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


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

Someone needs to hold the accountable for this.The Accounts are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I was in a XXXX  accident in XXXX of XXXX. My loan was with Chase. Due to issues with the insurance company and gap taking forever, I was told that I still was responsible for my car payments, even though I had not been in possession of the collateral that was TOTALED for multiple months. I was forced to fork out an additional {$2500.00}. The company informed me that I would be refunded over payments after insurance and gap had been settled that has been settled for more than a month now. The loan itself shows that a refund of {$1300.00} ( which is HALF what Im owed ) was sent XX/XX/year>, but I never received anything as reflected on the loan statement. I ended up calling Chase they said that it was not a check being mailed, it was an ACH payment and because I have a Chase account established, it should be as easy as crediting my account. We are now three months later no funds have been received. Ive been forced to keep this Chase account open when I dont want to use it due to their unfair and predatory practices. I even gave up waiting on the refund to help me get my new car which had an effect on my down payment and on my loan terms with the new loan. I even have a screenshot that I will provide that shows the refund was submitted but never received. I have called Chase multiple times trying to find a resolution. No one is willing to help me saying that its just supposed to be in my account so here I am with a company that can actually make them do something. Please advise any supporting information needed and I would also appreciate updates as they occur with this company.
Product: Credit reporting or other personal consumer reports

This company knowingly and willfully reported old, innacurate and false information that caused substancial harm in the form of lost employment. I was not allowed to dispute the information or the accuracy of the report before the offer letter for employment was rescinded. Further, I have not received the required legal notifications such as a preadverse action or adverse action notice and I have requested it several times. I have submitted proof of the false information more than 5 times and have tried contacting the company numerous times. They disconnect phone calls and don't respond to questions that are emailed regarding getting a new report with the incorrect information removed. This company has a vast history of false and innacurate reporting and in my research they have lost numerous court proceedings regarding the reporting of innacurate or false information including at least one class action lawsuit, yet they do not appear to have refined their business processes despite the continuous harm being caused to thousands of Americans. I believe this company has acted in such bad faith, even after legal repute, to so many consumers, they have proved they can not be trusted to reliably and responsibly report information and as such, they should NOT be allowed to gather, review, report or otherwise access anyone 's personal information or provide any information to any company in any capacity.
Product: Checking or savings account

I get over draft fees even if i transfer the money way before they are asset and payents have not been paid even if the money is in my account and i have tries to make purchases but my accout in locked without notification saying the did it for fraud activity
Product: Credit card or prepaid card

My Merrill+ by Merrill Lynch ( Bank of America Corp ) credit card account was closed without my knowledge and without any prior warning, on XX/XX/20, by Bank of America ( BoA ). 

I called BoA on XX/XX/20 and inquired about the points balance of approximately XXXX points that I had on said card. The rep I spoke to said despite the card being closed, I still had that useable points balance that I could cash out at that time if I so desired. I declined and explained that Merrill+ points in the amount of XXXX could be used for a flight ticket worth {$500.00}, and that if I exchange my points for cash, they'd only be worth {$260.00}. She assured me the points would remain unchanged until I used them. 

I also complained that the card had been closed without any advanced notice ( which would have prompted me to use the points for fear of losing them ). The rep said BoA usually sends out a letter notifying of pending closure. I did not and have not received any letter and the rep was unable to provide any confirmation as to whether BoA followed their " usual '' policy of a letter. 


On XX/XX/20 I was ready to use my points for a flight and spoke with a Rep " XXXX '' who said any points I had would have been lost upon account closure. She escalated the issue through their process. On XX/XX/20 I received a letter from BoA stating that their final position was that I would not have access to my points.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of Mortgage account number XXXX XXXX  XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Credit reporting or other personal consumer reports

I entered into a loan agreement with XXXX XXXX in XXXX A short time after an identity theft situation caused me to indirectly default on the loan. This loan is being repaid through a third party I contracted with. 
XXXX XXXX listed this loan as closed on my credit report however they listed it as two seperate entries with two seperate account closing dates. The amounts shown are the same, one shows XXXX balance and one indicates a declining balance with payments being made. 
Only one account closure should be listed on my credit report. It is having an unneeded negative impact on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted multiple times, through phone calls, and letters to report that there are unauthorized pulls on my credit. I did not authorize these claims. I have reached out to the companies individual and they were not able to identity me authorizing the credit pull as well.      XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX  Buy  XXXX / XXXX / XXXX  Att  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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and the creditors below has fraudulent accounts on my credit profile that needs to be remove immediately ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. However, if the Credit Bureaus failed to do so, they are obliged to removed the items which are fraudulent. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this mattXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX