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

This complaint is to inform the CFPB that Equifax is reporting a duplicate account on my credit file. XXXX XXXX account XXXX purchased this account from ThXXXX XXXX XXXX XXXX  and re-agreed the account by four and a half years from the original date.

Reporting two of the same account is a violation. According to the FCRA. And these accounts must be removed from my credit file immediately, Furnisher Duties of Accuracy Under the Fair Credit Reporting Act The stated purpose of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, et seq., is to require consumer reporting agencies ( CRAs ) to adopt reasonable procedures to meet the needs for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer with respect to the " confidentiality, accuracy, relevancy, and proper utilization '' of such information. The FCRA protects both the privacy of consumer information and sets restrictions not only on CRAs, but also on furnishers and users of reported information to ensure such information is as accurate as possible. This company has repeatedly violated my rights in this regard. But not conducting a proper investigation.
Product: Checking or savings account

This complaint is a supplement to Complaint ID XXXX. Since the time my prior complaint was submitted to the Federal Reserve ( it was then transferred to the CFPB ), I still have not received the full {$15000.00} that Citibank owes to me as a result of erroneously transferring my funds into their " sub ledger. '' Specifically, I made two additional calls to Citibank regarding this matter on XXXX and XXXX, and spoke to " XXXX, '' an account manager in XXXX, Florida. He admitted the way Citibank had handled the matter was unacceptable, and that I should receive my full {$15000.00} on an expedited basis. 

However, on XXXX, I received only one check from Citibank in the amount of {$10000.00}. This reflects only one of the two ACH transfers they erroneously put into their " sub ledger '' -- it did not return the {$5000.00} for the second transfer that Citibank admits I am owed. I called Citibank customer service that day at XXXX and spoke to a supervisor named XXXX XXXX I informed him that I had not received the check for {$5000.00}, even though that amount was indisputably owed to me. He said the " back office '' was processing the {$5000.00} check, and that he would put in a request to expedite it. 

On XX/XX/XXXX, I called Citibank customer service at XXXX and spoke to a supervisor named XXXX XXXX She said the " back office '' was still processing it and she would call back with an update. She called back at XXXX and said the back office had committed another mistake and failed to send the {$5000.00} check to me, but that she would resubmit a new request. She said she would call me back with an update. She never called me back. 

On XX/XX/XXXX, I called Citibank customer service at XXXX and spoke with a supervisor named XXXX XXXX He said the back office is still working on the check and that he would submit a request to expedite the check. He also provided me with what is purportedly the fax number of the back office, i.e. XXXX. He said he would call me back, but never did. 

On XX/XX/XXXX, I sent a fax to the " back office '' number provided during my previous call with Citibank customer service. I once more informed Citibank of the problem, that I had now spoken with EIGHTEEN ( 18 ) different persons regarding this matter, and that Citibank was still wrongfully withholding my {$5000.00} due to at least negligence, if not dilatory conduct. The faxed letter demanded the immediate return of my {$5000.00}, which Citibank admits I am owed but seemingly can not process. 

On XX/XX/XXXX, I called Citibank customer service and spoke to a supervisor in the XXXX XXXX New Accounts department, named XXXX. She said that the back office had the requests but " nobody in the department has looked at the case. '' She also indicated that it was not clear whether there were procedures in place for the back office to look into cases like this -- which is consistent with the totally unacceptable treatment I have received. She said she would submit another request to the back office and would call me back. As of this writing, I have not received a return call and have not received my {$5000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting time limit can not be restarted. If a creditor or debt collector re-ages an account to extend the amount of time it's reported, they're breaking the law. ( The item needs to be removed from credit file. The law has been broken no proof when I asked for it but yet still continue to ask for mines. Im seeking XXXX in compensation due to this matter and will contact Texas attorney general about XXXX XXXX which goes by the name of XXXX XXXX. XXXX thats outrageous.
Product: Debt collection

There is currently a derogatory record on our credit report from XXXX XXXX XXXX, account opened XX/XX/XXXX. The account is listed as charged off with a balance of {$31000.00}. It shows late payments starting in XX/XX/XXXX, and shows late payments since then.

Request 1 Remove derogatory information from our credit report, including the status of charge-off. The Fair Credit Billing Act requires creditors to bill correctly, including send bills to your current address and we did not receive bills or other notices on this account. 

Request 2 Despite not receiving statements or bills, weve paid this loan in full. We request that the loan be updated to reflect payment in full.

History 1. We believe the account was charged off in error. The loan was set up for auto payments from a TD Bank checking account. The auto payments worked for a few months, then stopped going through without our knowledge. The TD Bank checking account was not our primary account, and we noticed the issue from a negative mark on a credit report.

2. We received no bill, no notice of late payment, no notice that the auto-pay was not working and no email, letter or phone call from TD Bank requesting payment.

3. As soon we learned ( from credit report ), we called and made all retro-active payments for all back due amounts.

4. We requested a statement be sent of our account status, amount due, and payment information. TD Bank declined.

5. To date, we have received no written notification of charge off status, or recognition of monthly payments made. We have continued making monthly payments in good faith. ( we can provide bank payment records ) 6. Requested directly from TD bank to remove negative information from Credit report, but they declined.

7. Loan is now paid in full, have a letter from TD Bank dated XX/XX/XXXX acknowledging payment.

8. We request that negative information be removed from our credit report, and that the loan be recorded as paid in full.

9. In addition, we request a final accounting letter, as we believe we have a credit amount of approximately {$1100.00}, and would like that amount refunded.
Product: Debt collection

RE : Credit Protection Association account number XXXX I recently obtained a copy of my XXXX credit report and noticed a collection reported by C.P.A., regarding a {$390.00} ( or an original amount of {$490.00} ) bill to XXXX, from XX/XX/2013. 

In XX/XX/2013 I moved to a new home and made sure the equipment of theirs was returned. The bill was paid in full and as I said, ALL the equipment was returned back to them. 

I disputed the information appearing on my credit history to C.P.A. twice ( on XX/XX/XXXX and XX/XX/XXXX ), but C.P.A. informed the credit bureaus that they had verified this debt as accurate ; verified with who? Based on my recent conversation with XXXX they did n't verify anything with C.P.A. 

I do not owe XXXX any further money ; I ask that C.P.A. remove this collection tradeline from any credit reporting bureau it may be reporting it to ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX out my car. My car was broken into 1st in XXXX,2ndXXXX North Carolina . I have sent a copy of my police report to XXXX XXXX, XXXX and Experian with a copy of my licenses and proof of address. I was recently checking my credit report since I just recently got back from XXXX I am XXXX XXXX military soon to be a veteran. I have noticed opened accounts that are fraudulent because I didn't open them that are on my credit report.. Also there are fraudulent addresses ( XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX NC XXXX XXXX being reported and incorrect names that I do not recognize and believe to be fraudulent. This is a list of the accounts that were opened fraudulently in my name 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.. Please delete all Fraudulent information from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal or blocking of information from my credit file due to alleged identity theft, as I have been a victim of such theft. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are obligated to remove or block any accounts no later than four business days after receiving the previous letter. I have previously included this report in my correspondence, and I am including it again for your reference. This letter serves as a final warning that if you do not block or remove the listed accounts from my report, I will be compelled to initiate legal action. I have informed my attorney of my intentions, and they are prepared to hold you accountable for your deliberate noncompliance. 

XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request Method of verification for the unauthorized charges of XXXX XXXX  credit card Account on my TransUnion credit report. Dear TransUnion, I am writing to formally request the method of verification used in your investigation concerning the XXXX credit card account listed on my TransUnion credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), I have the right to request and receive the description of the procedure used to determine the accuracy and completeness of the information, including the business name, address, and telephone number of any furnisher of information contacted during this investigation. Please provide me with the specific details of how this account was verified, including : 1. The name of the person or entity you contacted at XXXX XXXX. 
2. The method by which the verification was conducted ( e.g., by phone, mail, electronic communication ).

3. The documents or records used in verifying the account 's validity.and the unauthorized charges on this account. 
I appreciate your prompt attention to this matter and look forward to receiving the requested information within the time allowed by law. If you are unable to provide this requirements. Please remove this account from my file immediately. 
Thank you
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account XXXX : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payments were made on time, which falls within XXXX 's 15-day grace period. Therefore, the account should not have been reported as 30 days late. 
System processing error : I submitted my payment through the XXXX account portal. However, due to a system delay, the payment was not processed until after the due date, even though it was submitted on time. I was not notified of this delay until after the reporting of the late payment. 
Evidence provided : I have attached bank statements and payment confirmation emails showing that the payments were made on time, demonstrating that the late payments were caused by a processing error and not a failure to pay. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/AMAZON ( Bank ) is falsely reporting information on my account that I never gave consent to share, and further more I never gave consent to the companies that are reporting collections accounts to these bureaus. I've sent certified written communications to all parties involved and they continue to harass and violate my rights to privacy.
Product: Mortgage

This complaint is in reference to an already existing complaint ... #   XXXX  .  NationsStar  Mortgage has been penalized for failing to properly report certain data. In contrast this mortgage company has been noted for several years with the same issue and has spilled into consumers that hold a mortgage with them. We have exhausted all efforts to  get caught up on mortgage payments including sending Nations Star documents supporting reasons for delayed payments. We have completed 5 years of bankruptcy and are now attempting to build our financial lives. Nations Star could not respond to our complaints in a timely manner including the contact person, who seems to try and quickly make calls hang up and go to the next one. The modification Nations Star offered was nothing but an attempt to start to pay on time by raising our mortgage payment. This IS NOT a solution for us, but it works out for the Nations Star ( please see docu ment attached ). According to NS our payments increased, but our trial payments are {$1200.00}, when inquired that this payment is higher than the payment we were originally making of $  XXXX . Before  XXXX , payments were {$1000.00} and now we are asked to pay more after requesting help. Our homeowners association dues were not addressed and I have had to speak with several different representatives who could not find the right person to address this issue. The nightmare of attempting to communicate with  Nations Star continues.
Product: Credit reporting or other personal consumer reports

I have contacted Transunion via support chat numerous times regarding disputing items on my credit report. on XX/XX/2023 I disputed one of my creditors ( XXXX XXXX XXXX ) and the status on my end is marked as " in progress '' when I contacted Transunion they said that it is resolved, and no active disputes as of this time. I can not also get a record of my credit report because it claims an active dispute is going on... This is holding back my liberties of the Fair Credit Reporting Act when I can not have false information updated by a push of a button.
Product: Prepaid card

Received gift card from family member. Called the number on the back to register card. The automated voice said that my card " didn't exist ''. Retried several times making sure information was correct. Also went to the website and tried to register my card. All correct information, but still saying my card information doesnt exist. 

Tried to check my balance and again it says it doesn't exist Can not use it at any store or with online purchases
Product: Credit card or prepaid card

XX/XX/XXXX 2017 Received a XXXX prepaid debit card in the mail. 
It was not activated. It was unexpected. 
The card was sent by XXXX XXXX by XXXX. 
It was addressed to a person that does not live here. 
Suspect this is a scam whether intentional or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been applying for loans and getting turned down. I realized on my Transunion credit report it is reporting that two of my creditors as Public records when in fact it was settled and was not sent to any court.

The two records are XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX  They alos show XXXX XXXX department store and XXXX XXXX under Collections. 

XXXX is reporting 3 accounts under public record which include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 

XXXX is reporting 4 accounts under public records which include XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX 

None of these accounts went to court and it has made me be turned down for loans and also affected my interest rate on a car. 

I want the credit bureaus to be accountable for the information. How can they publish a court record when there was no court record.
Product: Debt collection

This debt is eight years old and has not been proven that I have legal obligation to pay. The statute of limitations for reporting this debt has expired.
Product: Debt collection

on XX/XX/XXXX I signed a lease with XXXXXXXX XXXX XXXX for 52 weeks set to end XX/XX/XXXX at the amount {$210.00} a week. I paid a deposit of {$210.00}. On XX/XX/XXXX I advised the owner that I would be terminating the lease on XX/XX/XXXX. The owner advised me that I would have to pay until he finds someone to lease the space. On XX/XX/XXXX the owner took a unauthorized payment of {$210.00} out of my bank account. I advised him to reverse the payment as he had a new tenant and my obligation had been met. He refused so I had the payment reversed by my bank. Her advised me that he signed a new tenant to the space on XX/XX/XXXX so I owed him one week still. Because I paid a deposit in the amount of {$210.00} that amount would be eligible to cover the stated week per my lease. The owner threaten me that if I had the payment of {$210.00} reversed he would come after me for {$4000.00}, even though he already had someone in the space. The owner then sent my account for collections without even sending me anything stating what debt was owed and why. I advised the debt collection agency and they disregarded my emails and phone calls showing proof that I did not owe the debt and placed the account on my credit report for the amount {$2700.00}. He submitted false payment records to the credit collection agency and intentionally misrepresented my payment history. My last payment was XX/XX/XXXX ( which was reversed ). However he reported that my last payment was XX/XX/XXXX because the new tenant that signed the lease with him left the space in a few weeks he is now trying to come after me for the remaining balance of the lease that was broken by the new tenant. I have payment history from my bank and email communications with the owner and the credit collection agency for proof of all of this.
Product: Credit reporting or other personal consumer reports

After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX As you know it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence of my obligation to said accounts. 
Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 

I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 


Best Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights
Product: Credit reporting or other personal consumer reports

My account with 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 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 never sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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

On XX/XX/2020 I discoverd Wells FargoXXXX XXXX XXXX XXXX XXXX report as a negative balance on my credit report. I have never owned, applied or possessed any of these cards.