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

In XX/XX/XXXX and XXXX of XXXX, I had two late fees assessed to my PayPal Credit account. I called in XXXX and spoke with a representative who waived the fees, and because I was sick, brought the account current for these months, informing me I would be reported to the credit bureaus as on time for these months. 

In XXXX, I had my credit pulled to get pre-approved for buying a house, and the late payment status was still on the account for these two months. I called Synchrony again, and spoke with a supervisor, who said they would fix the issue, and that I never should have been reported as late. They informed me that it would take about 30 days to fix, and that I would receive a letter in the mail. 

About 60 days later, I still had not received a letter, and the status had not been corrected. I called Synchrony once more, and spoke with another supervisor. He informed me that Synchrony was reporting these payments as on time, but for some reason, the credit bureaus were not updating it. He entered another request to fix it, telling me it would take 30 days again. He verified my mailing address, and said I should receive a letter this time. He also recommended I enter a dispute through the credit bureaus on this issue. While it has only been a couple weeks since then, I have not yet received a letter. 

I entered a dispute on this issue through XXXX, but instead of the two late payments being removed, a THIRD late payment was added in XXXX of XXXX, and I made my payment on time for that month. 

I called Synchrony about this, and spoke with a third supervisor, who didnt even care there was an issue. She simply read one of the letters I never received verbatim, and then hung up. 

I want these false late payments to be removed from my credit report, and I want to be compensated for the time invested and stress Ive had to deal with during this issue.
Product: Debt collection

Hello, Thanks a lot for this service. 

I want to file a complaint against Comenity Bank. I opened a XXXX credit card that is operated by Comenity Bank. I never made a transaction with the Credit Card except for the one unfortunate transaction of {$3.00} using this card on XX/XX/2020. Because I had never used this card, I did not remember the transaction. Because of COVID-19 too, I was going through a lot of stress concerning my job. However, my two major cards that I use were paid on time. For that {$3.00} transaction on this card, I was made to pay {$67.00} ( with my transaction and interest compounding every month! ). Throughout the three months that I was being charged with these compounded late fees and interests, I wasn't called once though the Bank had my contact number. I believe as a customer, I had the right to be notified of the late payment before reporting the late payment to the credit bureau. The email address that the Bank had was wrong, so I did not receive any statements if any sent. The late payments were reported to Credit Bureau and my XXXX score has dropped to XXXX because of this disrespectful attitude of the Bank. I got to know of the pending payment through my dropped credit score on XX/XX/XXXX and paid instantly. The account has been paid and closed now but I want to file a complaint against this disrespectful attitude to customers that affected my credit score so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am doing a follow up complaint with Transunion about improper reporting and the reported companies who seem to not be willing to help with things I repeatedly said were false. I only should have two inquiries and two open accounts. One from XXXX XXXX and One from XXXX XXXX. Transunion is reporting 7 inquiries and 4 open accounts. I am once again saying that I did not authorize any company besides XXXX XXXX and XXXX XXXX  to run my personal information for the purpose of receiving products or services. I am getting myself out of financial bind, and these inquiries and supposedly open accounts are setting me back more than I can move. I have put in fraud alerts and police reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are falsely being reported as inquiries.
Product: Vehicle loan or lease

I am XXXX XXXX XXXX, a XXXX man, who is a living soul, a lender and not a borrower. i am coming on behalf of the XXXX XXXX XXXX, Estate. After completing my own investigation, i have discovered that i was not given full disclosure about the true cost of the credit and the options afforded to me as a consumer. Navy Federal Credit Union willfully failed to provide all of the following, including but not limited to : Full Disclosure, The true determination of the finance charge, Important material disclosures, The true source of the funds, The right to rescind and rescission forms ( clearly and conspicuously ). As a result, i made an uninformed decision due to false and misleading information that was given to me by agents at Navy Federal Credit Union. The Consumer Credit Protection Act outlines ALL of my consumer rights and protections that you are obligated to abide by when engaging in business with me. Unfortunately, as an organization who should have reason to know, the entire staff is operating under colorable law and as a result i am being violated and suffering. By the power and authority of XXXX, who is in heaven, this transaction is hereby rescinded ab initio. This rescission is in accordance with the rules for rescission under the Truth in Lending Act under Title 15 of the U.S. Code and Title 12 of the Code of Federal Regulations. i am ordering that the full amount of the electronic funds transfer be returned to me via ACH, the transaction removed from my credit reports, and that the property will be retained due to actual damages caused to me since the inception of the credit plan. See attached notice.
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 in those account 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 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

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX Account # 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 card or prepaid card

I received a Chase Freedom XXXX credit card in the mail that I never applied for. I know for a fact it was not me as the last name on the card had my previous last name. I called customer service on XX/XX/2022 to have the account closed. I requested for a confirmed email or letter in the mail to ensure that the account was closed, however was told they will provide me a fraud kit, which is not reassuring me that the account is closed and it will never happen again. They also did not reassure me with written evidence that it did notand will notreport the account to any credit reporting agency.
Product: Checking or savings account

On XX/XX/2023 at XXXX XXXX I went to a XXXX XXXX  ATM ( XXXX XXXX XXXX XXXX ) and started a withdrawal for {$300.00} using my Cash App card. Some of my money got stuck in the machine and I was only able to get {$240.00} out of the machine before it told me that time expired and it retained the remainder of the money ( {$60.00} ) that was stuck. 

I immediately went inside the branch and the teller told me that I would need to dispute it with my card company and they would be able to request the log of that transaction, see the machine was malfunctioning and I would get back my money. 

I then started a dispute with Cash App Support and after several days got an email back saying my request is denied because I authorized a withdrawal for {$300.00}. I contacted support again and made clear notes that I'm not disputing the entire transaction, I'm disputing that I only received {$240.00} out of the {$300.00} and asked that they do an investigation and pull the logs from the ATM and/or video that can prove my claim. 

I attempted to reach back out to the bank XXXX and explained the situation. I was advised that XXXX does not manage their ATM 's and that they use a 3rd party. I was unable to get any support phone # or contact info for the 3rd party that manages their machines. 

I then found a phone number and called CashApp. The rep said they could only open another dispute. I pleaded that someone actually read the notes and investigate by actually pulling the record for that ATM transaction and or the video. Again I was not helped at all and sent just an email stating that I authorized the transaction. 

In an email I sent back to CashApp I asked if they could not just request and pull a record of the transaction to easily verify my claim and have not gotten a reply to that question. I would imagine if they are conducting themselves as a financial entity, why can I not get the same support and protection that I would with my normal bank who could investigate this easily? I just want to get back what is mine and have someone just look at the record for that date and time? I don't think anyone likes to be robbed no matter the amount, especially from a machine.
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 corrected immediately. The XXXX 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 remove the following inaccurate accounts in my report : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Amsher Collection Company has ignored the 2 letters I have sent them. Not only have they ignored the debt validation letter that was mailed to them on XX/XX/21 and delivered on XX/XX/21 ( USPS Tracking number : XXXX XXXX XXXX XXXX XXXX XXXX, they have also ignored my second letter notifying them that they are violating both my consumer rights and the FDCPA regulations. That second letter was mailed out on XX/XX/21 and delivered on XX/XX/21 ( USPS Tracking number : XXXX XXXX XXXX XXXX XXXX ). To date, Amsher Collections Services as yet to validate the debts and continues to create defamation to my character by continuing to wrongfully report negative remarks to the credit bureaus, which in turn is causing damage to my credit score and my overall credibility.
Product: Credit reporting or other personal consumer reports

I mail my third dispute letter XXXX, due to still not having my payments updated as current, all I ever received is it's been verified, with no proof. I requested proof of the previous investigation, I requested records of who they spoke with, their business address and information, and phone numbers, as well as documentation that the account was late. XXXX XXXX XXXX XXXX ( XXXX ) I asked for third time that you updated my payments to current. I have provided enough proof, that my payments were paid on time, or arrangements have been made do COVID-FCRCA ( 15 USC 1681 s-2 ( a ) ( 1 ), and XXXX XXXXXXXX Loan extension FCRCA-FCRA mandates that credit bureaus must report accurate information about a consumer 's credit history, including late payments, which means they can not report a payment as late if it was made on time even with a loan extension. I attached proof of my information. Update my information I will have to seek legal action. I also attached a complaint to the AZ state attorney general ( Consumer complaint ). 

Update the following incorrect information on my credit report. 

XXXX XXXXUpdate as current XXXX and XXXX are current- XXXX XXXX XXXX COVID government law, the coronavirus Aid Relief, and Economic Security Act, passed by congress, addressing the FCRCA ( 15 USC 1681 s-2 ( a ) ( 1 ). That the furnisher of data to the consumer reporting agency that allows consumer to defer payments, make partial payments, modify payments should not report the account as delinquent, but should continue reporting it as current. 

XXXXXXXX XXXX XXXX Each month state I'm 30 days late, Common sense I can't be 30 days late each month I can't be 30 days late each month that an error XXXXXXXX XXXXXXXX Both XXXX and XXXX are current, again common sense shows I should also be current for that month I was not late. If I was on time the month before and the month after, XXXXXXXX XXXX XXXX XXXX and XXXX show current how can XX/XX/XXXXXXXX  be late? 

XXXXXXXX XXXX Both again XXXX and XX/XX/XXXX both show as current how can XXXX be late?? 

XXXX XXXX XXXX -I Provided proof I was not late and overpaid for those months and was not late XXXX XXXX XXXX XXXX I overpaid my payments for those months I provided proof. 

XXXXXXXX XXXX  is showing up 60 days late, I was given a loan extension, which should not report late on my credit report as late its the law- I provided proof of loan extension. 

Update my payments as current or I would have to seek legal action, I have additional documents as proof, yet you have not provided me with and proof these payments have been late but keep reporting my credit and damaging and hurting my credit. 

I asked if they can not provide me with information proof of the information within 15/days paid never late and requested updated copy of my credit report.
Product: Mortgage

Ditech recently raised my mortgage payment due to an error in the amount they are escrowing for my townhome insurance. They are escrowing for an annual insurance premium of {$2000.00} when the premium is actually {$100.00} ( so 20 times the correct amount ). I notified them of their error on XXXX XXXX. Since XXXX XXXX, I have called Customer Service twice and sent four written communications. Today is XXXX XXXX and still no action. My payment is due XXXX XXXX and I do n't want to pay the amount they show owing because it 's incorrect and way more than I owe them. The problem stemmed from the Escrow Dept. misreading my insurance company 's " Evidence of Insurance '' document. The document showed insurance on multiple properties, and Ditech used the TOTAL for all properties ( when calculating a higher monthly mortgage payment ) rather than using the line item amount stating the premium for the townhome property that Ditech has financed. I sent an updated document from my insurance company to Ditech ( several times now ) -- clearly showing only townhome insurance and clearly showing the annual premium of {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a Lawsuit was filed against me by XXXX , XXXX as the " successor-in-interest to the original creditor, XXXX. Represented by Mandarich Law Group : Attorney XXXX XXXX. 
The lawsuit was for a " Prayer Amount : {$760.00} '' The Summons and court filing was my first awareness of either company. 

After months of paperwork filings and court proceedings ( which I have copies of it all ) a ruling was presented : " The court entered a Judgement - General Dismissal on XX/XX/XXXX in the court register. '' This credit reporting needs to be removed from my credit report. As of XX/XX/XXXX they are still reporting this account. 
In the mean time a new Attorneys Office XXXX XXXX XXXX has been contacting me regarding the same account claims from XXXX , XXXX. So, even after the lawsuit and judgement XXXX XXXX has sent a new attorney to harass me for the same case. 

In calling XXXX ( the reported original creditor ) to get this removed from my credit report following the court ruling, I was informed that they where not responsible for the information any more and to call the debt collector who purchased the account from them, XXXX XXXX. 
XXXX XXXX does not respond to the information and claims that The Mandarich Law Group is who to talk to, and they are unresponsive. 
In calling XXXX XXXX XXXX they are still harassing me for the same case that the court closed. 

I have been getting the run around and passed off by every person ( company ) involved in the situation. I would like for this information to be removed form my credit report as it has been closed by the Circuit Court, ruled in my favor, and all of my attempts at communication have been overlooked or passed on to someone else. 
The claim/account does not have any validity and can not legally keep getting passed to different law firms regarding the same claims. No validating information was ever presented by XXXX XXXX, XXXX, The Mandarich Law Group : Attorney XXXX XXXX or XXXX XXXX XXXX, hence the court ruling in my favor. A court ruling has been decided as " Dismissed '' and all parties need to adhere to the ruling.
Product: Checking or savings account

On XXXX XXXX an EFT via a debit card transaction thru VISA was authorized to a merchant known as XXXX XXXX XXXX in the sum of {$540.00} in settlement of a reversionary security interest, under duress by a former XXXX  in XXXX XXXX, Wi. The EFT was not cleared until XXXX XXXX, by Wells Fargo Bank, both the VISA debit card issuer and acquirer bank according th a VISA Financial Advice report in XXXX. 
But for the late processing of this EFT, the depositor was arrested and was in a Florida jail for 5 days on XXXX XXXX. Realizing that the depositor authorization under Regulation E the EFT, Wells Fsrgo Bank was subpoened on XXXX XXXX to produce documents. Wells Fargo Bank attorney, after being subpeoned on XXXX XXXX, stated the EFT was paid under Regulation E onXX/XX/XXXX. However due to a police incident report, closing this matter in XX/XX/, XXXX erroneously issued bench warrant for appearance and extradition to Wi.The false imprisonment due th Wells Fargo Bank mishandling for over 90 days and attested by Wisconsin Supreme Court was final paid on XXXX XXXX three days before the false imprisionment started.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card

I have been a long-term and high volume customer of AMEX. I have a number of secondary cards on my account. When I added the card before thie XXXX, I asked them to expedite the sending of the card, meaning use an overnight service, rather than regular mail. They acknowleged and said they would. But they did n't. It went out regular mail instead. This caused very serious issues and necessitated a change of plans since the card did not arrive in time. 

Last Friday I ordered another card and again asked for it to be expedited. However, because of the previous incident, I wanted to verify that it was, indeed, sent expedited. I called back on Monday and was told that there was some " temporary issue '' preventing them from seeing how it was actually sent, but the reviewed the notes and found that it the notes were clear that it was to be expedited. I called again last night ( Tuesday ) and was told the same thing, except that this time they opened a ticket to figure out why they could n't determine the status. 

I called back today and found that they *again* sent it regular mail and not expedited. But they also say that once they 've sent a card, they ca n't fix their error and send a new XXXX overnight. 

This is unacceptable. XXXX such mistake happens and I let it go. Making the same mistake twice in a row is unacceptable. Being completely unwilling to fix their mistake by sending a new card is completely unacceptable.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft since 1997. Same guy. Lives in the XXXX / XXXX XXXX areas of Georgia. He has complete access to my credit report. 
I have frozen, locked and pay {$300.00} a year to XXXX and still can't keep this person from invading my credit report, getting credit cards and even when he was arrested ( according to XXXX XXXX ) for identity theft, used my name when arrested. 
I have made police reports, filled complaints, blah, blah, blah. 

Still no protection. I just found he even wrote a comment on MY credit report to call HIS cell phone if any changes are made to my credit report. 

Just because I'm not a senior citizen, rich, famous or lost money, no one really cares. 
If it happened to you, you'd care.