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

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 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.

This company 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: Checking or savings account

I was charged multiple overdraft fees and not able to remedy with Bank of America directly. I submitted a request to pay my credit card off with Bank of America early, instead they withdraw the funds that are not there due to a previous transaction and take my account balance negative. I attempt to add funds through electronic transfer, the transfer is completed and should cover the negative balance but then and I am assessed another insufficient funds fee because my account is negative BECAUSE of the insufficient fund fee for the electronic transfer taking more than 24hours. I have to move funds gain but by that time it is too late. Bank of America will not refuse to process transactions where an insufficient fund fee would occur unless I sign up for a special membership account and pay a monthly fee of {$5.00}. That is {$60.00} per year, that doesn't make sense. I asked to submit a complaint direclty to Bank of America over the phone and I was initially told I couldn't do that. Then they told me that Bank of America takes too long to review complaints so its not going to help. How is that possible? Maybe because Bank of America is just taking money from folks and everybody is submitting a complaint with merit? Totally disappointing since I do almost all banking with Bank of America for last 15 years but I guess greed always wins out. I reviewed earlier transactions to make sure I wasn't missing anything and I see that Bank of America posted the same fee for a transaction that wasn't even completed on XX/XX/XXXX! Bank of America will charge the fee no matter what under the guise that they are doing me a favor. Transactions took place on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of this year. Attached copy of transactions with amounts. I called Bank of America today and spoke to XXXX from Alabama XXXX XX/XX/21 ).
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

I requested XXXX XXXX, a Signed contract with my signature and that this alleged charged off account wasn't XXXX with the IRS by the original creditor. Never received anything from them besides a XXXX page billing statement, they never provided the debt validation as requested in the letter I sent to them and I notified them that they were in violation of Federal, State laws and my copyrighted property XXXX XXXX XXXX XXXX and any variation of it was copyrighted and provided them with a copy of it and that it is registered with the XXXX on my XXXX Financial Statement. I've notified the IRS of this alleged account and report this collection agency and the original creditor since it was a charged off account that was written off on there tax return thereby making it illegal to sell an account that has already been reported as a lost to the IRS.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Inquiries that are being challenged 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
Product: Checking or savings account

There will be instances where I go to make a routine online transaction and the bank suspects it as fraudulent activity and freezes and puts a hold on the amount of money being sent and my account. I am having to call customer service and waiting from 20 min to an hour just for someone to talk to me. This has happened numerous times and has made me consider switching banks
Product: Checking or savings account

On XX/XX/year>, {$90.00} was withdrawn from my SOFI checking account at an ATM at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA. I was not in XXXX XXXX on or around this date and did not make this withdrawal. I live in XXXX XXXX and was there with my SOFI debit card on XX/XX/year>. I can corroborate this with a credit card statement showing a local XXXX XXXX XXXX purchase on XX/XX/year> as well as via my Maps Activity feature in the XXXX XXXX  app showing trips around XXXX XXXX on XX/XX/year>. 

I disputed the withdrawal on XX/XX/year>. On XX/XX/year>, I was given a provisional credit of {$90.00} while SOFI investigated the dispute. On XX/XX/year>, SOFI told me that my claim was denied and that they would be deducting the {$90.00} provisional credit from my account. On XX/XX/year>, they deducted the funds from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, rights of privacy has been violated and breached by this fraudulent company which is a direct violation of federal law 15 U.S.C 1681 ( a ) ( 4 ). This fraudulent company is a also in violation of federal law 15 U.S.C 1681b ( a ) ( 2 ) by reporting misleading accounts on their website without my written consent. This fraudulent company is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. This fraudulent company has no respects of my rights to privacy. This company was compensated to break the federal law by violating my rights to privacy. Their negligence has caused me distress and I'm seeking litigation.
Product: Credit reporting or other personal consumer reports

I have received repeated emails from companies called XXXX XXXX XXXX XXXX XXXX I do not know who these companies are and I do not have an agreement/contract with them. 

Per the 15 USC 1692g validation of debts. I do not recognize how these accounts are reporting on my credit report.

I do not recognize the account numbers, I do not recognize the account status, I do not recognize the account high balance, nor do I recognize the late payments associated with them. Everything reported here does not meet the FCRA.
Product: Checking or savings account

Wells Fargo denied 1 of 2 claims from merchant but both claims are the same thing. Same merchant same problem, unauthorized and no services were received but the want to deny my claim 3 months lather and are taking money from me!
Product: Credit reporting, credit repair services, or other personal consumer reports

i wrote a dispute letter XX/XX/2020 with no reponse and its law that they have 30 days to give me feedback.
Product: Debt collection

XXXX/XXXX  has placed {$610.00} of unauthorized, automatic enrollment charges to the account and has failed to acknowledge cancellation of the service agreement within the stipulated cancellation period of one week. The account ha now been turned over to a collection agency, Convergent Outsourcing who has reported as a delinquent account on my credit reports - account # XXXX
Product: Credit card or prepaid card

XXXX  XXXX XXXX, XX/XX/2018, XXXX card account application. 

Contacted the phone on the letter. Asked for SSN, but do not want to sure. No resolution. 

Examined credit card reporting history. Identify the hard inquiry from XXXX. Identity likely was stolen. 

report identity theft fraud. Credit card application without my knowledge.
Product: Credit card

I'm very concerned about the late payment reported on my account, as I have a history of always paying on time. This situation is causing me significant XXXX, and I strongly urge you to correct this error and remove the late payment from my record promptly.
Product: Mortgage

To Whom It May Concern, This letter is to inform of misconduct and poor business practice on the part of our mortgage company, Caliber Home Loans. 
Three years ago, new to the area, we chose Caliber as our mortgage company on the advice of our realtor. At the time they had an office locally where we could have any questions resolved without incident. Our checks were due on the first of the month but not considered late until the XXXX of the month. In XXXX 2016, we received word that Caliber Home Loans was incorporated and we were to hence forth send our checks to XXXX Texas. The local office was closed. 
On XXXX, XXXX 2016, I received a call from a representative of Caliber stating my check had not arrived. 
While on the phone line I reviewed my internet checking and discovered the check had indeed arrived at the post office in XXXX on XX/XX/XXXX. 
The man assured me they had not received it and ask me to stop payment on the check and wire their payment. 
I drove straight to XXXX XXXX XXXX XXXX XXXX ( FCU ) and requested a stop payment on my check. 
While in line at the FCU to wire the funds I checked my Caliber account on my phone and lo and behold the check had been received. 
I immediately returned to the bank officer and cancelled the stop payment and returned home and called Caliber to inquire about the payment. They confirmed receiving the check. 
Two days later Caliber called back and stated they had not received my check. 
I explained in detail what had occurred and they at first suggested the check had insufficient funds and then after heated discussion suggested the check was a " stop payment. '' I contacted my XXXX and they assured me no one had ever attempted to deposit my check. 
I again contacted Caliber demanding to speak to a manager and expressed concerns about the company 's accounting practices endangering our credit rating. 
She was very rude, offering to email me a link to XXXX. I suggested that perhaps she needed the credit counseling. 
She finally informed me that even though they had never submitted the check for payment it had ( inadvertently I assume ) been stamped " stop payment '' and they would require another check and assured me my original check would be returned to me ( it never was ). 
She also assured me the incident would not be reflected on our credit. 
I complied and sent another check for my XX/XX/XXXX payment and the next day sent our XX/XX/XXXX payment early to avoid repeat confusion. 
Last week we received word from a credit agency that our credit rating ( both in the XXXX 's ) was compromised by a complaint from Caliber Home Loans. 

I urge you to investigate Caliber 's business practice and chastise them for their wanton disregard of their customers and insist on having our credit rating restored to its former state. 
Yours Respectfully, XXXX XXXX
Product: Prepaid card

Well chime was fine up until the XXXX feature. Was getting paid 2 day early for most the time. Then I heard about the XXXX feature. And at the time it came in clutch as I was having vehicle trouble. I was able to borrow XXXX at first to fix it. Then paid that back and for the next XXXX to XXXX pays it would go up till it got to XXXX. Used that and when I paid that back they dropped it to XXXX causing me to lose out on XXXX dollar of my check. At this point I'm to invested into the feature its part of my paycheck. And it was at this point I contacted chime to give my concerns. But they were zero help at all. Pretty much told me it's not my money. Yet it says I'm borrowing from my next check. They also only let you pull XXXX buck a day for some people it might be more. They told me it was based on their computer calculating how much you get. This how ever causes you to be able to pull the rest of your check. By the time I get paid again So getting paid 2 days early is no more. Cause after I pay the XXXX back. I have just enough for my main bills and rent if that. Then have to wait to pay anything else I have to or need money for to pull XXXX buck a day. There is nothing in the terms saying any of that. Right now their advertising it all over you can receive up to XXXX dollar of your check early. See my brother got like a early access to the XXXX feature before it went to everyone. And he was able to pull hundreds off at once and was have no issues. I see them closing people accounts for now reason. i rather them not close mine like I said im invested its part of my pay..They already threatened to close mine when i called about this.
Product: Credit reporting or other personal consumer reports

This company is allowing third parties to commit identity theft. Attached is an FTC report.
Product: Debt collection

On Wednesday, XX/XX/XXXX, I retrieved a letter from the mailbox sent from Credit Collection Services in regards to a past due balance from XXXX XXXX. I was insured through XXXX for many years until XX/XX/XXXX. Effective XX/XX/XXXX, a new auto policy was written and put into place by XXXX due to much cheaper premium.
Product: Debt collection

Received statement of charge in the amount of {$69.00}. This is not a debt I incurred. I called them 4 different times and they ha. Be ignored my request to take take my name off this debt. Could you help me resolve this matter?
Product: Mortgage

I 've had a home equity loan w ith BB & T for abou t 13 years and a few month ago I converted the home equity line to a regular term loan. About 60 days after this transaction I checked my credit report and found th at BB & T was rep orting the home equity line as closed but the outstanding amount was still showing in my revolving credit as debt. In this same credit report the term loan was also showing up with an the appropriate outstanding balance. I contacted the the credit bureau and filed a dispu te. BB & T res ponded and said that because the revolving loan and the term loan had the same account number that it was reporting correctly.   My concern is that my debt ratios are being impacted twice by the same loan. I explain ed to BB & T t hat the reporting of the revolving loan being closed is correct, but they need to  XXXX  out the outstanding balance. Given that this is the same balance that is reflected in the term loan the credit bureau is counting the same dollars twice. Please note this account is current and has never been late.
Product: Money transfers

According to Walmart MoneyGram website, it states transfer money within XXXX minutes, but when I called to inquiry, I was told up to XXXX hours. The XXXX minutes was highlighted next the the fee of {$4.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My report says there is a gap of employment from XX/XX/XXXX to XX/XX/XXXX for 2666 days. I first started working for XXXX XXXX in XX/XX/XXXX in XXXX Pennsylvania ( right after I graduated high school ) and then moved to XXXX Ohio around XX/XX/XXXX or XX/XX/XXXX with the same company to open up the new location in Ohio. I quit working for XXXX XXXX in Ohio in XX/XX/XXXX due to lack of hours. I then worked for XXXX XXXX XXXX in XXXX, TX. I am not 100 % on the dates for XXXX XXXX though. They were a XXXX company at XXXX XXXX XXXX is also a XXXX compliance company ( XXXX XXXX is XXXX compliance Coordinator XXXX ) and I am a CDL driver here which my report states the opposite for both of those things. I have to drive our rolloff truck to deliver and pick up dumpsters on locations and I receive emails and phone calls to make sure our vehicles and trailers are up to date with DOT inspections and are in compliance. So I don't understand why those 2 areas say no on my report. Please contact the companies again to verify the information to correct any issues. They have my Drivers Qualification file that should have all of that information in it. 
I don't understand why the reporting agency can not get ahold of XXXX XXXX out of XXXX Texas. This company is also a DOT company that I received my CDL while working for them. I have never had any issues contacting them before when I have needed to reach them for information. XXXX XXXX works for HR ( XXXX XXXX ) as well as XXXX XXXX ( XXXX ) or XXXX XXXX ( XXXX ) If there are any further question please contact me by cell phone number XXXX so we can clear this report up. I would hate to not be considered for a job position due to an inaccurate background report. All of the information I have given is 100 % accurate. Please try to get the correct information asap. Thank you.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNTS that end in # XXXX, XXXX and XXXX from the XXXX  XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ACT the following accounts have violated my rights : XXXX XXXX - Account number XXXX XXXX XXXX- Account number XXXX XXXX XXXX XXXX - Account number XXXX XXXX XXXX XXXX - Account number XXXX XXXX XXXX XXXX -Account number XXXX XXXX XXXX XXXX XXXX- Account number XXXX XXXX XXXX XXXX- Account number XXXX XXXX XXXX  XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX US BKPT CT NY XXXX XXXX Reference number XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : Balance : {$2300.00} I'd appreciate it if you could update this reporting account as soon as feasible. Account should be rectified as soon as possible if you do not comply with the instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, today, XX/XX/XXXX and previously online through other apps and directly with them within the past few months. Last year I had XXXX ( XX/XX/XXXX ). The services for one provider went erroneously to collections in XX/XX/XXXX. I work for the XXXX of Colorado and am fully insured. I had a follow-up XXXX in XX/XX/XXXX. Meanwhile insurance has been processing, etc. everything has been paid and I paid any difference. In XXXX I got a collections bill from XXXX XXXX  on behalf of XXXX XXXX of Colorado. I inquired with XXXX XXXX and was informed of a zero balance. So, I thought this was a scam ( XXXX XXXX after all sounds like a cartoon! I'm not paying ). I ended up overpaying XXXX XXXX directly and by XXXX I was reimbursed, yet XXXX continued to hound me for payment. Subsequently, since I won't send XXXX money they have reported me to the credit agencies and Equifax will not process my dispute! I have tried numerous times to dispute the error on my account and can not get past the first page essentially. Please take care of this!!
Product: Credit reporting, credit repair services, or other personal consumer reports

4TH REQUEST!! PLEASE ATTACHED FTC REPORT!! PLEASE CLEAR COPY OF MY ADDRESS!! **** XXXX PLEASE DONT SEND ME ANOTHER FAKE LETTER SAYING MY INFORMATION ISNT CLEAR!! BEACUSE XXXX SENT ME A LETTER WITH MY NAME SPELLED WRONG AND SAID THE COULDENT BLOCK INFORMATIOM, WHICH TELLS ME TH HAVE MY ACCOUNT MIXED UP WITH SOME ONE ELSE. PLEASE ATTACHED. 


PLEASE BE ADVISED THIS IS MY 4TH REQUEST, PER FCRA THIS INFORMATION MUST BE BLOCKED FROM MY REPORT WITH IN 4 BUSINESS DAYS. SO, IM NOT UNDERSTANDING WHY YOU ARE RESPONDING SAYING 60DAYS,, THAT TO LONG. I WILL BE FILING A COMPLAINT WITH THE ATTORNEY GENERAL OFFICE. Please be advised, I noticed the credit bureaus that I had been a victim of identity theft. Per FCRA I asked them to block information from my report. Not only did they ignore my request, but it also seems as if there IS A VOLATION of the FCRA and the FTC. I sent a statement FTC report and proof of identity. It was also names on my report I never went by Accounts XXXX XXXX {$380.00} XXXX XXXX {$810.00} XXXX XXXX  {$1200.00} XXXX XXXXXXXX {$1600.00} Please see attached FTC report for additional information amounts account numbers and off please like this information from my report as it was right please block this information for my report as Ive sent in the proper identification if I dont hear back from you and this is not a block within four days I will make a complaint with the attorney general 's office and seeking to get a legal counsel PLEASE DELETE THESE NAMES FROM MY CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of the following names are fraudulent and needs to be removed. Please see attached FTC report and proof of identity thank you PLEASE DELETE THE FOLLOWING ADDRESS AS THEY DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX, TN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX and Experian Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them.Here is the account needs to correct. 
XXXX XXXX XXXX XXXX Balance Owed : {$680.00}
Product: Credit reporting or other personal consumer reports

I found errors in my personal information on my credit report, which I believe stem from a clerical issue.