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

My account with XXXXXXXX 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 me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX FCU - 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

I have multiple mortgages with XXXX and XXXX. I have been paying all my mortgages on time for years. In XXXX 2019, i changed my autopay bank account. Payment didn't go through as i autopay kicked off after a month. Upon further checking i was told when switching autopay it kicks off after a month and have to be paid manually first month. This was reported as late payment to credit agencies and it dropped 74 points on report. This is really hurtful. I have so many mortgages and never been late on single one for years. 

This could have been avoided if : - There was an alert/indication during autopay setup - Bank sent any letters on late payments highlighting late payment ( only thing i kept receiving was regular statements ) - Call to notify of late payment All i request the bank is to withdraw this late record looking at my history and nature of the issue with the late payment. 

Thanks
Product: Debt collection

After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account listed under XXXX XXXX XXXX and validation was requested as this was an account that i did not recognize. I reviewed my credit again on XX/XX/2023 and the account continues to reflect on my credit report and i have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and the account still reflecting on the report. I do not believe the account belongs to me nor do I believe the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit card or prepaid card

There is a missing payment indicated on my credit report for XX/XX/XXXX.

I tried reaching out and no one was able to assist.

I've been in communication with them regularly so I'm not sure how this has happened.
Product: Credit reporting or other personal consumer reports

Debt collection I have no rental debt at all its stopping me from finding housing for me and my children.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. The following addresses are not mine please delete them : XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have attached a copy of my ID and SS for proof of address and Identity.
Product: Credit reporting or other personal consumer reports

XXXX, 2023 paid and closed on report. I paid more than the balance stated. I paid the amount of {$300.00} to XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX ). I told XXXX XXXX to send a dispute or letter to resolve and have this removed off of my report with all credit bureaus once I pay the amount to resolve. When I saw that nothing was resolved I disputed it off of my credit report. However, it still is not fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one reporting account # XXXX balanCe {$1100.00} reported credit card under my name send proof this account is no mine I need send me contract with my signature because never opened account still reinserted in my credit report violated my rights i need send me proof all your investigation because I rehuse accept this debt because never have business with this company send me letter with the address is no proof because person lost my identity I need put atention in my petition because this company danger my credit y need clean my profile because dont have made business with them
Product: Student loan

My Loan Servicer ECSI- Heartland has a terrible repayment system setup. Issues include 1. Not being able to make a payment of more than XXXX at once. 
2. Not being able to set up a future payment 3. Not telling you your full payoff amount when you got make a payment Essentially they have erected barriers to paying off your loan in full at once so they can continue to charge usurious interest rates in the modern economy.
Product: Payday loan, title loan, personal loan, or advance loan

I had purchased a new HVAC system through The XXXX XXXX program. I had a cosigner for the loan and was approved by Service Finance Company LLC. The first payment was due 6 months form purchase. As I went to make the first payment I had an option for auto pay through the automated system I paid through. I agreed to the auto pay program and it saved my information. The next time I heard from Service Finance Company LLC was in XX/XX/year> and they informed me that I was 3 months late on payments and that my credit was now being affected. I then asked why their auto withdrawal wasn't working and why am I now in this position to where it has negatively impacted my credit as well as my co-signers. They said there wasn't anything they could do about it and that they don't have an option for auto-pay through their automated system. I then asked how it was possible for me to have the option to enroll if it was never available. They then asked if I wanted to sign up through auto-pay since they were on the phone and as they were doing it they thought it was strange that they had all the info for auto-pay in their system but I wasn't set for auto-pay. 

I had also asked about why wasn't I notified or my co-signer notified of delinquent payments prior to this call. They explained that they sent mail and called but no answer. I asked if they ever left a message when they called and they stated that they did not. I informed them that I hadn't received any mail and if they had tried to email me at all. They said they didn't try to email and they aren't sure why emails hadn't been sent out. 

I then asked since all means weren't exhausted to contact myself or the co-signer then could they please remove the negative credit impact since this was also their fault. They told me that there were no error on their end and they will not remove their claim. I asked again and even explained that I can be up to date on payments right now and as soon as that was done if they could please remove the negative credit report because it had a drastic impact on my co-signer 's credit. They refused again and left the negative report. 

I did make sure my payments were up to date and there were no longer any delinquent payments. At the end of the day I just wanted the finance company to take the negative report off because if I was properly informed then the payments would have never been delinquent.
Product: Mortgage

I am writing to report an issue with my mortgage loan, initially taken out with Lennar Mortgage LLC. The agreed-upon payment was {$1700.00}. However, after the loan was transferred to two other companies, now serviced by XXXX, my monthly payment has escalated to {$2300.00}. This increase was first attributed to insurance, which I was not informed about, and now to taxes, despite my payments into an escrow account. 

I have attempted to resolve this with XXXX, including notifying them of a year-long absence due to XXXX XXXX XXXX XXXX, but have received no response. Additionally, I was never notified of any impending changes to my payment. The lack of response and transparency is concerning, and I seek your guidance on how to address this issue.
Product: Credit reporting or other personal consumer reports

I tried to obtain my XXXX annualcreditreports on XXXX on XX/XX/XXXX and tried again on XX/XX/XXXX and the only one I was able to obtain was XXXX. The other ones flagged me for not being able to identity myself. The answers I gave were correct to my knowledge. I originally went to obtain these reports through identitytheft.gov due to someone taking my taxes the last XXXX years and someone opening continuous fraudulent bank accounts, checking, saving, etc., etc. in my name the last couple years. I need this proof to also submit to a XXXX XXXX XXXX which was where my taxes for 2023, 2021, and 2022 were deposited into with a fraudulent account. I've been waiting for a while now, so if you can assist me and help me that would be awesome. Thank you.
Product: Vehicle loan or lease

Thank you for taking the time to review my complaint. Below is an email that I sent to GM Financial on XX/XX/XXXX, in regard to my family 's 2 leases through them. I have not received any correspondence from them to my knowledge, and really just need the 2 late payments removed from my credit report. 



To whom it may concern at GM Financial : I am writing to dispute the negative reporting on my credit bureau that was due to your negligent website, dating back to XX/XX/XXXX/XX/XX/XXXX. As you may recall, GM Financial underwent a seemingly major website overhaul, or website maintenance period where inaccurate account information was shown. We have 2 current leases with GM Financial, and I log in to pay them twice a month. At that time, I was neither unable to log in to my accounts, NOR was I able to reach anyone with your company as the customer service department was not taking calls. 

Once it was " fixed '', there was a past due notice on the main payment screen where both leases are listed, but not once I clicked on " make payment '' on either account so I assumed everything was on track. I've attached a screenshot of how the actual payment screen looked at that time, and as it still looks today. You can imagine the confusion that ensues from the complete lack of cohesion and transparency on your website. No matter what the main payment screen says, the ACTUAL payment screen ALWAYS shows zero for every line. The user must open a new browser screen or flip back and forth between the main page and the payment page to make sure they are free-typing in the correct payment amount. 

This is completely ridiculous. I pay every other family bill online and your site is by far the worst interface to deal with. At the very least, I recommend fixing it to reflect accurate payment information on the main payment screen, among other customer focused upgrades that are necessary to avoid future problems for your company. 

I kindly ask that you remove the negative reportings from my credit bureau ( the 2 30+ days late payments from earlier this year ), due to your negligence and extreme customer service shortcomings.
Product: Credit card

On XX/XX/XXXX, I became aware that my monthly payment to Synchrony Bank was not automatically paid by my XXXX account as it was in the past due to a glitch. I immediately called Synchrony Bank and explained that there was some sort of glitch when my bank tried to make the automated payment and it did not go through. It was not clear to me whether the glitch was on my banks end or Synchrony banks end. I spoke to XXXX at Synchrony. I said to prevent this from happening in the future, Id like to pay the account in full. He said that was fine I did receive a confirmation number and believed my account was paid in full. Also I told XXXX I was concerned about getting a late payment because I was one day late but explained it was not my fault but due to the bank glitch. XXXX said not to worry I would not encourage a late payment. 
Today I noticed an email amongst a lot of spam alerting me that my account was late again. I called synchrony to understand what the late payment was for as I was under the impression my account was paid in full on XX/XX/XXXX. I had a {$41.00} charge late fee and a {$3.00} charge for a paper statement fee and interest on that paper statement fee. Im not supposed to get any interest on this promotional credit card. I purchased XXXX violins from XXXXXXXX XXXX XXXXXXXX on a promotion that if I paid it in full by XX/XX/XXXX no interest. I explain this to XXXX at synchrony bank and she said that they cant waive the paper statement and interest charge. I was so upset during the call I completely forgot that I dont receive paper statements from them. XXXX told me there was no way to stop receiving the paper statement fee unless I go online and switch it to paperless. Another person by the name of XXXX then came on the phone and said the same thing as XXXX. I told him to cancel my account and he said I would still get paper statements and bills for the paper statements unless I go online and cancel the statements. Ive been locked out of my account and cant get online. This is a scam and I would like it stopped. I would like you to investigate it. I verbally told them to cancel my account. I told him I would mail in a {$3.00} check to pay this paper statement fee and they agreed to waive the {$41.00} late fee. I do not think this is right. I should not have to pay a statement fee. Ive already paid the account in full, I dont receive paper statements, and I was told by XXXX no other fees. 

Thanks
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. It is my understanding that your company will investigate this account for me to ensure accuracy. here is my account i am asking you to verify as accurate. 

XXXX XXXX  account # XXXX
Product: Student loan

FedLoan Servicing unlawfully limits student borrower payments to eight ( 8 ) per month. Despite multiple inquiries, FedLoan Servicing is unable to specify on what legal authority it relies to limit borrower repayment options. Absent a lawful authority, the most likely rationale for this usurious practice is to make it more difficult for borrowers to repay loan balances in order to maximize interest collections. It is worth noting that no credit card, mortgage, and automobile creditors follow a similar practice. As such, FedLoan Servicing is unique in its unlawful and usurious behavior.
Product: Checking or savings account

Hello, I have a citibank checking account. From what the documents that I have, to avoid a monthly account fee I need to do a Direct Deposit each month, and make a bill payment. 

So each month I have two Direct Deposits from my pay checks that go out on or the working day before XXXX and the last working day of the month. Then I have a bill payment to XXXX XXXX XXXX through there bill payment portal each month around the XXXX. Even when I complete there requirements, they charge me a XXXX dollar fee each month even when this happens. I then have to call customer service for 20-30 mins, and they will refund me the money but it keep happening costing me my time. I don't like this practice, and I wonder how many other people they are doing this to. And some months I didn't call, they can't " go back '' in time to refund me. I am being defrauded from them, as they are breaking there contract with me.
Product: Prepaid card

I have several unauthorized transactions on my account totalling almost XXXX ... .i called to get this money put back on my account ( my cards obviously been compromised so they are sending a new card ) but they told me they could not put the miney back on my account and I would have to wait until the investigatiin was over well i dont have that type of time to wait for MY money, they obviously can tell it is fraud ( XXXX transactions ) so my money should be put back in my account immediately. Customer service sucks and they need to fix the problem!
Product: Debt collection

I disputed the legality of the debt because I do not recognize XXXX. I took out a loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX back in XXXX in the amount of {$800.00}. I paid three payments of {$250.00} with one returned by my bank for NSF. They re-ran this ACH three subsequent times, causing further overdrafts. Then in XX/XX/XXXX of this year, I started getting correspondence from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XXXX. XXXX is a tribal entity that bought this debt and onctheir behalf, the above collection agency is trying to collect {$1500.00}. I am disputing this allegation/claim because I have never done business with XXXX. Also, XXXX XXXX XXXX refused to verify the original debtor, XXXX, the original date of the debt and the amount. They listed it on my credit report as a debt originated in XX/XX/XXXX, which they are claiming as a new debt. Further, they are using an ACH withdrawal per XXXX ; to verify the debt as being owed to them. When I spoke to XXXX, he asked for my SSN, which I provided and said I did not recognize the loan originator and the dates. He then mentioned XXXX and pressured me to settle. I was unable to clarify to him that the debt originator and dates were incorrect. He was rude and told me I listened to you and now you will listen to me.
Product: Debt collection

Sent Equifax multiple letter on this account and it shows on my credit report that the monthly payment is {$1500.00}
Product: Checking or savings account

I didn't know the account was close they said an email was sent. But I never received the email and I tried to explain. Also I got a text message telling me the block was removed so if they can text me then they could of sent a text.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I have a XXXX of items on my credit report that I have no clue what it is and I was incarcerated at the supposed time these companies say I opened the account
Product: Debt collection

XXXX XXXX XXXX XXXX threatened to sue me for eviction after I filed for assistance with XXXX XXXX XXXX XXXX XXXX. They continued to harass me until I moved out of the apartment. Afterwards, I was notified that the eviction was canceled after my approval for rental relief. They opted not to accept the rental relief assistance, and instead referred a XXXX collection account to National Credit Services . I have disputed this account on my credit report multiple times as I was terminated from a previous job during COVID and had debt assistance that should have canceled the rent. Additionally, I had a deposit contract, as recommended by the leasing company, that would have released me from any obligation to repair or pay and I was charged both in the final invoice.
Product: Credit card or prepaid card

I had a Land 's End Visa card issued by Comenity Bank. On XX/XX/2023, I paid the balance in full. This was approximately two weeks before the due date. I had made all of my monthly payments on time. A few months I paid the balance in full. A few months I carried a balance. In XX/XX/2023, I received another statement indicating I owed {$21.00} in interest. The back of the statement states when the balance is paid in full, no additional interest will be incurred. I did so, but they still charged me interest. I have called Comenity and sent messages about this inaccurate interest charge, but they refuse to waive it. They state that I am paying the unbilled interest on the balance prior to the payment. 
When I paid the balance in full, the payment screen gave me four options : 1. amount due, 2. statement balance, 3. current balance, 4. other amount. There is no option for " pay off '' that shows the additional interest. The consumer is unaware they sill owe interest until they get another unexpected bill after they believe they've paid the balance in full. 
I now have to pay this falsely billed interest because I don't want my credit ruined. 
This is a deceptive, misleading and unfair practice.