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

My account with 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 XXXX 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 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 reporting or other personal consumer reports

I am requesting an update on account payment history or removal of account from my credit report due to inaccurate information. I do not understand how my account goes from showing as current in XXXX, XXXX and XXXX and then suddenly in XXXX of XXXX I am 90 days late. Wouldn't my student accounts have shown 30 and 60 days past due in XXXX and XXXX? The account then goes on to show no data on my Experian, XXXX and XXXX for several months. I graduated from XXXX XXXX XXXX XXXX XXXX in XXXX. Something is not adding up here. I am showing no data for XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX, XXXX XXXX, XXXX - XX/XX/XXXX, and XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous medical bills on my credit report which goes against the laws. XXXX XXXX have to open accounts on my credit report, account resolution services, XXXX XXXX  and account resolution corpo
Product: Checking or savings account

XXXX. On XX/XX/2023, I deposited through the mobile application a check in amount of {$4300.00} in my Wells Fargo checking account. The check was drawn against another personal account of mine opened at XXXX. 
Right away, Wells Fargo made available the amount of {$400.00}, stating that the rest of {$3900.00} would be made available on the next business day, XX/XX/2023. 
XXXX. On XX/XX/2023, Wells Fargo revoked the previous decision and put the entire amount of {$4300.00} on hold until XX/XX/2023. 
XXXX. Then, on XX/XX/2023, Wells Fargo again changed its previous decision and extended the hold on the entire amount until XX/XX/2023. 

As a result, today, XX/XX/2023, I called Well Fargo and, after speaking with XXXX different people, the resolution was that there's nothing that can be done to release the hold because XXXX marked the check as " potential fraud ''. 
In response, I contacted XXXX right away and they confirmed that ( XXXX ) not only there was no fraud alert on their side but ( XXXX ) they had already honored the check on XX/XX/2023. 

What this means is that Wells Fargo continues its well-known dishonest behavior. XXXX paid the check, but Well Fargo has unilaterally decided to put my funds on hold, with all the repercussion... on XX/XX/2023 I did not have enough funds to pay my mortgage ( also at Wells Fargo ) and my money is not available at any of the XXXX banks.
Product: Credit reporting or other personal consumer reports

I applied for credit and was denied primarily because of my XXXX loans being reported on my Consumer Reports. I did not give " XXXX '' written permission to Furnish my personal or private information to any Consumer Crediting Agency. According to 20 USC 1232g and 34 CFR part 99 my information should not ever have been released without my specific written consent. 15 USC 1681b. Therefore, because of this flagrant unlaw act I have been denied substantial financial benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inaccurate things listed that do not need to be. I have wrote TransUnion several times and nothing has transpired. Please help XXXX XXXX XXXX Account Number : XXXX THIS IS PAST THE STATUTE PERSONAL DATA WRONG AKA XXXX I have never used this last name XXXX, it doesn't belong to me please remove XXXX XXXX XXXX Account Number XXXX XXXX THIS IS PAST THE STATUTE
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that you are in violation of Federal Statute and I am considering litigation. I have retained legal counsel. In an effort to resolve this matter amicably, I will make one written request.

I am formally requesting that you validate all trade line notations you have submitted to the three major credit reporting agencies by [ RecipientName ], for account number XXXX  XXXX XXXX Account number XXXX Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this trade line. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for civil complaints being filed in accordance with FACTA, FCRA, and other federal and state laws. 

Please remove account as soon as possible, because this account is fraud and never belong to me.
Product: Mortgage

This complaint is an extension of Complaint Number XXXX. While communication in general was good throughout the last complaint, our issues were never resolved. We still don't know what the Trial Period Plan actually means. How the trial period payment amounts were calculated, what happens if we make the 3 trial payments, what exactly will our principal balance be if we make the 3 trial payments, and what the proposed plan options will be if we make the 3 trial payments. No disclosure of exact details provided. Prior to XXXX at B of A, each B of A rep gave us different info. XXXX provided some clarity but no real details. What are our accrued and unpaid interest, out of pocket servicing expenses, what will the unpaid principal balance be if we make the 3 trial payments? Extended the term of our loan to what? XXXX also stated on the phone that once the 3 trial payments were made, we would be offered a different type of agreement / modification. Their offer stated we were either ineligible for various programs because we are'nt late enough or because it's a primary residence or because it's a HELOC. What does that leave??!! We are in Chapter XXXX. We were assured by B of A counsel at our Chapter XXXX hearing that B of A would put us into a better position in terms of our monthly payment. Please follow through on this assurance. Each day that passes more equity is lost in our home. Every month our late fees and interest accrue.
Product: Mortgage

AmeriSave, even with its commitment to be an Equal Housing Opportunity lender, requires applicants for mortgage to have a mobile phone number. It will not provide service to consumers who do not have a mobile phone number or have a mobile phone service that is not from one of the Vendors that AmeriSave has a relationship with.
Product: Credit reporting, credit repair services, or other personal consumer reports

First I would like to comment My credit report states that I was late on XX/XX/2022 and XX/XX/2022. I was not late on either month in 2022. 

In XXXX I was injured and I required emergency XXXX on XX/XX/XXXX to repair a XXXX  in my stomach. I made a payment of {$330.00} on the XXXX of XXXX which was {$26.00} less than my actual payment of {$350.00}. I was unable to pay the full payment at the time because I was waiting for my short-term XXXX payments to come in the mail from California. I live in XXXX. They did not put the money in my account. XXXX mailed a paper check to me every week. XXXX XXXX XXXX XXXX  assessed me a {$17.00} late fee. I paid XXXX on XX/XX/XXXX including {$17.00} late fee along with the {$26.00} remaining payment for my XXXX payment. 

XXXX XXXX XXXX XXXX made an error. Instead of applying XXXX towards the late fee they assessed, they applied it toward interest paid. The {$25.00} was also applied towards interest paid. The credit report states that I am 30 days late {$26.00} in XXXX. I was not 30 days late. 

I was having difficulty with my recovery after the XXXX  and in XXXX I made a phone call to let them know that I was having difficulty with my payment because the short-term XXXX insurance company was reinstating my XXXX for an additional XXXX weeks and again it was taking time to process and mail those checks from California. 

I called XXXX XXXXXXXX XXXX XXXX on the XXXX day of the cycle. I asked him if there was any opportunity to skip a payment. The representative put me on hold and he returned and said that since I was a good customer and because of my hardship they had a program for me. The representative told me he needed to make a recorded statement of why I needed to skip a payment. The representative put me on hold again. When he returned he told me that the program available for me was to take my XXXX payment splitted into XXXX payments over XXXX, XXXX and XXXX. My payment would go from {$350.00} to XXXX. And my new due date would be on the XXXX of each month for the next XXXX  months. I was told not to make a payment on the XXXX. After XX/XX/XXXX passed I was assessed a {$17.00} late fee. I made my payment on the XXXX of XXXX as I was told. Because I was a sister {$17.00} late fee. I was very afraid that I was going to be assess this fee every month for the next XXXX  months. 

XXXX XXXX XXXX XXXX agreed that my due date was XX/XX/XXXX but they charge me a late fee and marked me late anyway. I have always been a good customer and I could not believe that they were treating me like this. If they didn't have a program for me they shouldn't have offered it and if they weren't going to stick with what they promised, they shouldn't have offered it to me. 

I'm trying to purchase a home and this is the only thing on my credit report that is affecting my score and my ability to purchase a home. 
I am a 30 % service connected XXXX veteran.
Product: Mortgage

My name is XXXX and I am a XXXX by trade. My husband, XXXX, is active-duty XXXX and we are stationed at XXXX XXXX XXXX. We were promised a VA partial claim by our lender and they have denied us a partial claim and our attempting to modify our loan. WE NEED A PARTIAL CLAIM, PLEASE HELP. 
In XX/XX/2021, XXXX and I requested a Covid-19 forbearance from our lender because my employment was terminated due to lack of stability during the pandemic. When I contacted the lender they informed me that I would have three options at the end of forbearance if I was able to resume my monthly payments : 1 ) pay all at once, 2 ) make partial payments that are added to my payments for a set amount of months, or 3 ) file a partial claim with the VA where the VA assumes the missed payments and it is paid when the loan matures or the property is sold. 
We selected option 3 and were told that the VA would NOT modify our loan and we would not be forced to pay the money all at once. I made contact with the lender several times throughout the year and they maintained that there was partial claims being submitted. I was informed the week of XXXX by Midland staff that partial claim was still available and would be fine. 
After the forbearance started I took a job with a $ XXXX a year decrease. We have exhausted all our resources to get back into a good place and for me to start a new position that pays more than when I lost my job in XXXX. We are fully ready to resume our previous payment. 
I contacted Midland Mortgage in XXXX to inform them that we would be ready to make our payment in XXXX. Midland informed us that the VA gave us two options now : make $ XXXX payments to catch up ; or, have the VA pay the amount due and Midland would modify our loan and increase the interest rate to market value. THIS IS NOT HELP. THIS WOULD PUT US ON THE STREETS. 
We were told by the VA and the lender that our loan would not be modified and the amount would be covered by the VA until the maturity of the loan without penalty. Our current interest rate is XXXX and market rate is about XXXX, this increase would force us out of our home and likely bankrupt us. 
Please help us get what we were promised, a VA partial claim added to the loan without modification. My husband works every day serving this country and this is not the way that soldiers should be treated. Please help.
Product: Checking or savings account

Two days ago, I got an email of checks in large sums being deposited into my account, I tried to log into my account but it kept telling me that my log in information was incorrect, as soon as I received the email I called XXXX and they told me to call again at XXXX when the claims department opened ( this was around XXXX ), I called and filed a claim, opened a new checking and savings number and went from there. I received an email this morning that they are trying to close my account even though I told them that I have never deposited a paper check into my account and havent had my physical card ( hence they are sending a new one ). As a person who has only had this problem one other time, WITH XXXX Im Tired, I Work two jobs and I am a XXXX XXXX XXXX, my money and my checks get deposited in that account THROUGH DIRECT DEPOSIT. Not only that the balance is XXXX dollars, they said it was withdrew out of the account which if it was at an atm CHECK THE CAMERAS? If It Was At A Store CHECK THE CAMERAS. Im a human being, I may not be a big business but I work hard for my money for someone to steal from me and the bank to not back me up and help, my account had {$0.00} in savings and {$0.00} in checking, I Got a direct deposit of {$230.00} from my job at XXXX on Tuesday which the bank put towards that negative balance and I get paid this Friday and Im losing out on two checks! Im need that money to help my mother and her medical bills. I dont care if they close the account anymore, its been made clear that they revolve around money and dont care about the customers that suffer from the lack of their protection. I pay all my loans and credit cards on time and have a good history so they shouldve took that into account, Ive paid back every negative balance that I, MYSELF, have caused but this is atrocious, I want my money back, And I need Them To Figure out what they are going to do for future customers. I need them to throughly investigate and when they realize it wasnt me that deposited {$4500.00} worth of checks nor was it me that took that money out, they need to reverse every last fee they gave me and give me back the money thats deposited as I look for a new franchise to bank with.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have several extremely legitimate complaints that, from what understand, should be addressed and answered within 10 days. I would request that this bank be investigated for faulire to comply with XXXX regulations in regards to these complaints. On sveral occasions iv simply been blatantly denied any real investigation and on some accounts I've been told that they will not even respond or thoroughly look into my complaints. One employee even told me " they will be opened responded to and immediately closed '' From what i gather and all the horrible correspondence and blatant arrogance this bank has conveyed to me they think they are to big for the government to handle.
Product: Debt collection

XXXX BILLED XXXX FOR AN XXXX FROM OVER 3 YEARS AGO AND IT WAS PAID THEN A YEAR LATER THEY SENT ME A BILL FOR THE SERVICE SAYING THAT XXXX PAID IT BUT TOOK IT BACK AND NOW IM RESPOSIBLE, I CONTACTED XXXX AND THEY SAID THAT XXXX CODED THE SERVICE WRONG AND IT NEEDED TO BE CORRECTLY CODED AND RESUBMITTED. I CONTACTED XXXX ABOUT THE ERROR WAS TOLD IT WOULD BE TAKEN CARE OF AND NOW THEY ARE TRYING TO CONTACT ME FOR PAYMENT AGAIN.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of transactions and disputes. I have experienced significant discrepancies in the amounts sent to and from my account, which Zelle failed to address adequately. For example : I sent payments through Zelle, but the recipients received different amounts than what I authorized. 
My account reflects withdrawals for transactions I did not initiate or approve. 

Despite reporting these issues to Zelle and my financial institution, my claims were not investigated properly. I was informed that recovering the funds or even tracking the transactions was impossible, leaving me without a resolution. These errors have caused financial hardship and frustration. 

The recent CFPB lawsuit against Zelle highlights broader systemic issues with the platform, including its failure to protect users and its neglect in addressing consumer disputes. I believe my experience reflects these failures, and I am requesting a full review of my account to address the inaccuracies and a refund for any funds improperly handled.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 


Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion
Product: Debt collection

I was notified by phone of this debt, and was told if I went on a payment plan they would not report to the credit bureaus. They still reported to XXXX and my credit went down XXXX points. All calls are on a recorded line so they lied to me, the consumer, just to get some type of payment out of me. I am XXXX and live on a very limited income. I feel like they took advantage of me.
Product: Payday loan, title loan, personal loan, or advance loan

Dear Sir/Madam, I am formally invoking my right to arbitration regarding my account due to unresolved issues that Ive been unable to address through standard dispute channels. Despite multiple disputes with the Credit Reporting Agencies, my account information remains inaccurate, leaving me no choice but to pursue arbitration per our agreement. 

This arbitration is governed by the Federal Arbitration Act ( FAA ) and applies to all relevant parties as outlined in the original agreement. 

To potentially avoid formal arbitration, I propose a straightforward resolution : World Finance Corporation account number XXXX Please remove the debt in question from my credit report. 
Could you provide written assurance that my account information will not be shared with third parties? 
If these terms are agreeable, we can avoid arbitration. Please respond as soon as possible with either acceptance of this solution or further steps for arbitration. 

Thank you for your understanding and prompt action. 

Sincerely,