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

My account with XXXX XXXX XXXX, XXXX  XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX, XXXX  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 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 that are reported 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. 


XXXX XXXX XXXX, XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I never had an account with these creditors/collectors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.
Product: Credit reporting

Equifax is currently reporting a student loan from XXXX that was PAID AND CLOSED as Current Status : 120+ DAYS PAST DUE this is NOT the current status - the current status is paid & closed. This is very damaging to my credit. I applied for a loan and was denied by the lender and they informed me that XXXX was reporting as currently 120 days past due when it is closed and paid.
Product: Money transfer, virtual currency, or money service

Hi, I was trying to send {$3000.00} to my wife in the XXXX. I did everything XXXX request for security purposes and they would not transfer the money. When I asked the reason, they said " we are uncomfortable '' with this transaction. I asked them if it was because I was a XXXX veteran or if was because I bank with XXXX XXXX or it was because if my wife is a XXXX XXXX and they still gave me no reason. 

I believe they wouldn't transfer this money due to my status as a XXXX veteran and the fact my wife is a XXXX XXXX. Since they gave no other reason, I have to assume XXXX XXXX  veterans and is XXXX against XXXX XXXX.
Product: Checking or savings account

My direct deposit from my job that was supposed to be put in my account yesterday XX/XX/scrub>/2025 or this XXXX XXXX/XXXX/2025 is still not being put in my account. Capital One is claiming that they are having technical issues with an unidentified third party vendor that handles the direct deposit and ACH payments. They have been withholding money since XX/XX/year>2025 and no one can tell me where the XXXX that was supposed to be deposited by my employer is. they claimed to have it resolved by morning today, and some have been but others have not. when I called them I kept getting hung up on and i wasn't even talking to anyone. As soon as they picked up i heard an ooops and the phone disconnected. My tax refund of XXXX is also being put in to this account anyday and as it stands right now, their third party entity that remains unidentified is getting all the deposits and not dispersing them. they will have over XXXX of my money by the time it all said and done
Product: Credit card or prepaid card

Bank of America is provided false information about the interest rate, balance, and rewards. On XX/XX/XXXX, at XXXX, EST, I contacted the financial institution at the credit card toll free number listed on their site. That contact number was XXXX. I spoke to a XXXX female BoA credit card customer service rep named XXXX in Texas, after waiting a few minutes for the first available agent. All of the questions were extremely simple. I asked when my next rewards would post, requested my interest rate, and my current balance. XXXX fumbled around and after about 10 minutes, she was still unable to provide the details. Her resolution was for me to log on to the computer and to look for it myself. She advised me that my interest rate on my credit card was 0.00 % and that the promotional rate expires XX/XX/XXXX. She stated that the balance owed as of today is {$4200.00}. She said that my minimum payment is $ XXXX provided tons of false information, even after she was called out for all of her lies. She stated that she notated the system on her end that she was unable to assist. My balance is $ XXXX. I had a credit balance prior to that for over $ XXXX. I asked for her supervisor. She said that she was transferring me over right then to her supervisor named XXXX. But, she did not. I was placed on hold for several minutes and never transferred to that supervisor. The call with this rep lasted more than 30 minutes. I am supposed to have a 5.99 % promotional interest rate with BoA. I just looked at my statement, and I do not even see that promotional rate being applied. These types of issues have been nonstop with Bank of America. I just received a debt collection letter from them this month, stating that I owed them an additional mortgage payment, only for BoA to realize that this was inaccurate as well. After spending several hours on the phone with numerous incompetent reps in BoA 's mortgage customer service department, they finally sent a follow up letter stating that no payment was owed, after I insisted on having something in writing. This type of poor service has to stop. They are allowing these associates to work from home with little to no training. The customers are having to tolerate this poor service with inaccurate information along with long hold times.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information thats on my credit report that is a result of identity theft. I did not provide written information or instructions for the identified transactions to be report on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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. These transactions should be removed according to 15 U.S. Code 1681c-2. You are required to do what I am asking and block these transactions from being report to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.
Product: Credit reporting or other personal consumer reports

These accounts are totally ILLEGAL and FRAUDULENT on my credit report. My information has been stolen and breached for over the years. I have never opened any of these accounts and they were illegally obtained in my name. Please remove these collections/closed accounts off my report as I had NO KNOWLEDGE. I've had a credit specialist looking at my report for 2 months now and were not sure if we need to obtain a lawyer but they asked me to file a dispute. If not legal action will be taken. Please remove these illegal collections off my report. 


XXXX XXXX {$2100.00} XX/XX/XXXXXXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$670.00} XX/XX/XXXX XXXX XXXX XXXX {$710.00} XX/XX/XXXX XXXX XXXX  {$1500.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXX XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$570.00} XXXX XXXX XXXX {$1000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$3500.00} XX/XX/XXXXXXXX XXXXInquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Loancare aquired my loan and from the beginning they said that my aut payments would not change but that was a lie. They cancelled my auto pay without a call or letter, I called them they said my auto pay was voided and now I am behind. So I started sending checks, then XXXX they out of the blue cashed the check as well as took an auto payment that they said they cancelled. I called them and they said they do not see an auto payment, but I have proof from my bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  doubled charged me keep it open for 4 years just to ruin me they said it was closed a while ago so where did all that big XXXX come from my credit limit was XXXX and they trying to say i owe XXXX their ant no way if they closed it, and they just put numbers together i even tried to work with them and everything nobody wants to help me.i just don't like people taking advantage of me like this if u closed it why bill for 3 years after u closed it doesn't make since just fee changing XXXX XXXX This account is currently under dispute under dispute Account info Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$740.00} written off. {$740.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$740.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$300.00} Highest balance {$740.00} Terms - On record until XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

Im a little confused about how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of the consumer to dispute information directly with the furnisher. My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late., Listen, basically I was shocked when I reviewed my credit report today and found late payment 2 times this year 2020 for 30 days late. The bank was closed that only drive-thru transactions for cashing check and withdrawals were accepted. I wasn't sure that during these tragedic time your organization was marking people late. I finally setup only account where it showed that the money were sent to ELAN financial services and it's impossible for me to be late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Mortgage

Hello! I logged into the Wells Fargo banking site today and saw my mortgage account was removed. I have not had any notice of changes from Wells Fargo or a new mortgage company. I called Wells Fargo just a few minutes ago, they said they could not find any account under my name, then they immediately disconnected the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a letter from Amerisave Mortgage Corp with " Your Credit Score and the Price You Pay for Credit '' including credit scores from XXXX, XXXX, and XXXX XXXX. I checked my credit report on XX/XX/2021 and saw Amerisave Mortgage Corp under " Account Review Inquiries '' on XX/XX/2021. In their letter it shows that my credit score from XXXX is XXXX on XXXX in reality my credit score from XXXX has never been above 744- as of XX/XX/2021. I have not contacted the company as I believe this is some sort of fraud to lure customers into believing that they have a higher credit score than they actually do.
Product: Checking or savings account

Capital One is hold my direct deposit, going on XXXX hours!
Product: Mortgage

This is an amended complaint to an already file one # XXXX. The only addition is CMC Funding communication of me still trying to get my {$4000.00} credit back into my account and now they say they're sending a check and I continue to be strung along. Can someone bring legal action to these scammers or clowns?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the below accounts has violated my rights : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 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

Citibank sent me a letter that they closed my account with no reason. My payments were made on time for the 3 years I had the credit account. 

They are telling me that this is based on information in my credit report which is not there. They also ran my credit without my permission. 

I spoke with an XXXX at Citibanks executive response team. He was rude and demeaning, hung up on me twice, refused to give me his supervisor and told me if I called block my number would be blocked.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still items on my file that need to be repaired. For that reason, I request that all of the attached inaccurate information listed in my credit file be removed immediately : XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$21000.00} ; US DEPT ED XXXX Balance : {$240.00}. I look forward to receiving an updated copy of my credit report reflecting the correct information. I would appreciate it if you would take action on this matter as soon as possible. Thank you in advance.
Product: Checking or savings account

CHASE BANK, N.A. CLOSED AN EXEMPT ACCOUNT THAT RECEIVES US TREASURY FUNDS, FEDERAL BENEFITS. 

THE ACCOUNT CLOSURE VIOLATED CHASE CONTRACT ( FINANCIAL AGENCY AGREEMENT ) WITH UNITED STATES TREASURY AND THE FEDERAL RESERVE BOARD. THIS CONTRACT DICTATES THE REQUIREMENTS PLACED UPON THE BANK AND ALLOWS CHASE TO ACT AS A FINANCIAL INSTITUTION DEPOSITORY RECIPIENT. XXXX XXXX XXXX XXXX XXXX XXXX. 

AS A BENEFICIARY PAYMENT RECIPIENT MY ACCOUNT WITH CHASE WAS/IS EXEMPT FROM SEIZURE, LEVY OR GARNISHMENT. I ADDITION A COURT ORDER WOULD BE NEEDED TO PROCESS A SEIZURE, LEVY OR GARNISHMENT. 

ACTING AS A FINANCIAL AGENT FOR THE UNITED STATES TREASURY, CHASE IS RESPONSIBLE FOR REGULATION E COMPLIANCE. PART 22, TITLE 31 PART 212 SECTION E. " COMMERCIALLY REASONABLE BUSINESS PRACTICES '' THE FEDERAL RESERVE BOARD AND THE UNITED STATES TREASURY PLACE UPON CHASE " NO CHALLENGE OF PROTECTION ''. THE BANK CAN NOT FREEZE OR OTHERWISE RESTRICT THE ACCOUNT HOLDERS " FULL AND CUSTOMARY ACCESS TO THE ACCOUNT ''. A TEMPORARY FREEZE ON AN ACCOUNT WHICH IS EXEMPT VIOLATES FEDERAL ANTI-GARNISHMENT STATUTES, PROTECTED FEDERAL BENEFITS IN AN ACCOUNT, A BANK MUST COMPLY WITH PROCEDURES TO PROTECT THE ACCOUNT AS SET FORTH IN 31 CFR 212.6 CHASE BANK FROZE AND CLOSED MY ACCOUNT ON XX/XX/2017 AND WITHOUT WARNING OR EXPLANATION. CHASE BANK THUS VIOLATED THE RULES AND REGULATIONS SET FORTH IN THE CONTRACT THAT IS BETWEEN CHASE BANK, UNITED STATES TREASURY DEPARTMENT OF FISCAL SERVICES AND THE FEDERAL RESERVE BOARD OF NEW YORK.
Product: Credit card or prepaid card

Based on goods not delivered by the merchant, a dispute was submitted. Prior to submitting a dispute, I contacted the merchant to resolve. I got an email from Amex indicating that there was a secure message which I was not able to find in the site and unable to access. At this point, I used the chat feature to connect with Amex to see what they required for dispute information. The information on the dispute was generic and did not provide specific for me to action on. " We require additional information from you to resolve your claim. If you have not done so already, please provide the requested information at your earliest convenience. The Inquiry Reference Number is displayed above. '' I tried the upload but that received an error and the agent gave me another link to another page to upload which failed few times. First chat agent did not seem to understand the issue so I asked for supervisor. Supervisor asked to submit a letter detailing out the issue which was addressed in the original complaint. When I asked, there was no additional information nor there was any additional information. I did not receive specific information about request in paper mail or email asking for information. I have uploaded the letter, order, invoice with merchant note indicating not shipped, and merchant indicating they will refund missing item. Chat reference : XXXX Inquiry Ref. No. : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to dispute some unauthorized inquiries in my Equifax Credit report. I have call several times, spoke with fraud department and they said to fax the dispute with a FTC ID Report and the unauthorized inquiries. I did it a few months ago and they never investigated. I did again over their website and they answer the same day saying that inquiries stays in your credit report foro 2 years. I already submitted the report with the FTC and Equifax won't do anything. They are violating my rights and the Fair Credit Reporting Act. If they don't delete those inquiries immediately we are sue Equifax. Everybody knows Equifax don't investigate and don't follow the law. They are also responsible for a lot of DATA Breach. 

Disputed inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a motion to transfer letter from Blatt, Hasenmiller, Leibsker & Moore LLC on or about XXXX XXXX regarding a hearing for such request on XXXX XXXX. On XXXX XXXX I contacted Blatt, Hasenmiller, Leibsker & Moore LLC regarding the letter - to get additional information as to what this letter was and what it was in regards to. I was told that a judgement has been entered and I could settle. I told the representative that this was the XXXX letter received from their firm and ask would they accept a flat settlement and what was the amount due. The representative told me I or someone at my home had been served - this is false. I did not receive a summons or any other correspondence from this firm or the collections agency they state they represent - XXXX XXXX XXXX. This letter regarding motion for transfer is the XXXX correspondence received from Blatt, Hasenmiller, Leibsker & Moore LLC at my address. The representative attempted to contest this and stated either way I would be responsible for the original debt and court cost and would need to pay such to vacate the judgement. 

I 'm left with - no verification of the debt, no verification as to whether this debt is truthfully even actionable against me in court, and minimal recourse other than to pay up front.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called Equifax & disputed online over and over someone was using my identity to apply for cards and it left hard inquiries and its giving me quite financial hardship I need help please!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed a request to help resolve issues on my credit report to the 3 credit bureaus Equifax, XXXX, and XXXX. I disputed 5 accounts a late payment from XXXX  from XX/XX/XXXX, a late payment from XXXX XXXX  from XX/XX/XXXX, a late payment from XXXX XXXX XXXX from XX/XX/XXXX, a collection account from XXXX, and XXXX XXXX. I have yet to hear anything from any of the 3 credit bureaus. I also mailed another request on XX/XX/XXXX and still have not received any response. It has been over 40 days and I want the issues resolved on my credit report immediately. I have tried calling, the phone prompts are so hard to get through. Equifax, XXXX, and XXXX  are making it very difficult to try to resolve any issue I have on my credit report and I want something done about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting my personal information wrong. My date of birth is wrong. My name is also wrong. Ive sent all supporting documentation on numerous occasions and nothing has been updated. I reached out to your XXXX team Ive had two escalation claim numbers Ive talked to multiple supervisors, and the information is still being reporting wrong. I have fax confirmation that all documents have been received.
Product: Mortgage

Hi, On XX/XX/XXXX, I made my normal monthly mortgage payment to TowneBank, on XX/XX/XXXX, I made a principal payment of {$5300.00}, on XX/XX/XXXX, Townebank transferred my loan to a new servicer without the {$5300.00} and kept it for themselves. After many phone calls, they finally sent the {$5300.00} to the new servicer on XX/XX/XXXX. Townebank refused to make the interest adjustment for the delay in applying the payment. They also refused to give me a written explanation about why they refused to make the interest adjustment.