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

My accounts 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 to be removed/updated.

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.

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!
Product: Credit card or prepaid card

I authorized a single payment to the credit card institution on XX/XX/2021 and the credit card institution drafted my account twice without authorization. When I called the representative said that the company was aware of the error that affected multiple customers but offered no resolution at the time of the call.
Product: Debt collection

I reported a fraudulent charge to Citi Commercial Cards in XX/XX/XXXX. As of XX/XX/XXXX, they have not credited the fraudulent amount, they continued to charge me late fees every month, and they continued to call me and send me letters to collect on the fraudulent charge plus late fees. 

I was out of country on XXXX XXXX when the charge occurred. I have proof ( XXXX XXXXXXXX ) that I was serving out of country and could have supported the investigation on the fraudulent charge. Citi declined when I offered to offer proof to assist in the investigation on the fraudulent charge.
Product: Credit card

I was the victim of identity theft. This is a formal dispute to support my position and claim. 
Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 

XXXX XXXX # XXXX
Product: Consumer Loan

Synchrony Bank is adding late charges, penalties and interest to my regular monthly payments being made on my RoomsToGo account even though my payments are getting to them 8 to 10 days before the due date. I can not get them to budge on this. I asked to speak with a supervisor and was told the supervisor is unavailable. I asked to have the supervisor call me when available they indicated that is not possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth for ages with Experian about this accounr with XXXX XXXX. Not only have I advise them that This account doesnt belong to me. But Experian is monthly reporting a charge off history which is bringing my score lower than the pits of held how can they report monthly charge offs on a closed account? Thats a violation Im requesting removal of account
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw these negative accounts appearing on my report. I am not aware of this accounts or where it came from. I demand this items to be investigated and deleted from my report.
Product: Checking or savings account

Deposited a check from the IRS for our business tax return. Chase stated the check was fraudulent in XXXX of 2024. I have made multiple attempts to access the check or have them tell me how they came to that conclusion. I have contacted the IRS, confirmed the check is valid multiple times and been told the bank can not contact them on behalf of me. They said the bank can not hold the check and do not understand what the bank is actually doing. I have not been given a valid reason for this, and now they have closed the account and taken the remaining money from my account.
Product: Checking or savings account

Dear Sir, Citizens Bank did not answer my previous Grievance related to XXXX Check Deposit and Check Clearance Records are missing in my bank records and statements. I have deposited XXXX check to my check-in account on XX/XX/2018 with check image option. My address is same since the day I opened the check-in account with Citizens Bank. Could you kindly direct citizen bank to update XXXX check number and scanned copy of the check, which are missing in the citizens bank statement and online transactions. Tampering and manipulating the check details comes under forgery, also its unlawful and illegal for missing the XXXX check number and scanned copy of the check in the account statements/check clearance records.
Product: Credit card

Unrecognized charge. Multiple claims to Synchrony bank and XXXX ( that withdrew the money ) to give my money back had no result. They keep the stolen money
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX SS XXXX DOB XX/XX/XXXX The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available tome for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX UNKNOWN INQUIRIES : XXXX XXXX ; XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXXXX/XX/XXXX, XXXXXX/XX/XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX All other addresses are notaccurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX This is my only number XXXX All other telephone numbers are notaccurate. Please REMOVE/DELETE any additional phones numbers.
Product: Debt collection

ive sent them multiple letters and they refuse to respond or validate the debt they claim i owe. Ive recently received a letter and email from them stating that they didnt have to validate my debt or answer to my dispute letters because i didnt dispute within 5 days. This is absurd and they still cant not send me an original contract with my signature. I have sent multiple letters and they havent responded within the 30 day period. My next step is small claims court. they keep harrasing me by email and phone after they already have broken the law. This needs to be removed from all bureaus because there lack of responses and inability to verify the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries currently listed and showing on my Experian credit report is unauthorized and not my hard inquiries : XXXX XXXX XXXX, XX/XX/2023 and XXXX XXXX XXXX, XX/XX/2023.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX from the local Heights Finance branch office called me on my cell phone demanding payment on my past due loan. When I told her I was struggling and didnt know when I could make another payment. ( I just made 2 full payments ), she threatened to send my account to the legal department, it isnt even 30-days past due. She wouldnt listen to and wouldnt let me speak to her manager and I when I challenged her on threatening to sue me over a bill that wasnt 30 days past due, she agreed that they would not do that. This is harassment and for a company I have done business with for years to treat me this way is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers 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 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS. THE MOST RECENT BEING XX/XX/2023. XXXX XXXX XXXX ACCOUNT XXXX XXXX IS NOT MINE. PLEASE SEND A COPY OF MY WET SIGNATURE AND MY ID VERIFYING THAT MY IDENTITY WAS USED WITHOUT MY PERMISSION
Product: Mortgage

After receiving notice that my complaint about the amount of money due was substantiated I received a report of my mortgage and had more questions regarding the report. I emailed 2 separate departments at the mortgage company and got 2 different letters stating they were looking into this but have been waiting over 5 months. In the mean time I was not allowed to make payment on my loan because of the elapsed time on their correcting my account and notifying me of the change. They received an overpayment from me which they have sitting in escrow and they have given no credit to an entire payment which had been made on my behalf by a local charity. 
As of right now they are stating that I am 7 months behind and I also have questions about my report which still go unanswered. 
Did they ever apply my bankruptcy to my account? Why do I have so much " Unapplied '' funds, why have there continued to be legal fees added to m y account even during times of payment on the loan, and others? 
I feel they are currently dragging their feet and creating even more undue debt on my home. My credit is ruined because this institution as well as XXXX XXXX XXXX failed to report the payments I DID make so that I could refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I noticed that several accounts have be opened using my identity. I did NOT authorize these accounts and I have reached out to each individual company with no response as to where these accounts come from and why they are showing up on my credit report/profile. Below I have listed several accounts that are recognized as fraud : XXXX. ) XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$720.00} XXXX. ) XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$720.00} XXXX. ) XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPEN : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$1000.00} XXXX. ) XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPEN : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$3100.00} XXXX. ) XXXX ACCOUNT XXXX DATE OPEN : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$0.00} HARD INQUIRIES ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the balance in full on the duo date, they took 3 days to process the payment and reported a full balance, I am paying interest and they report wrong balance. 
card number XXXX name XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The fraudulent inquiries that was not authorized by me has caused a hard inquiry on my Credit score
Product: Debt collection

XXXX XXXX admitted to selling my information without my permission to Midland Credit Management. Both businesses refuse to validated, and this not my account. The address, XXXX XXXX XXXX, XXXX, Ga XXXX, is I never lived and on farther investigation it is a hotel ( business ). This is really affecting my quality of life and I would like it off my credit report now. More than investigation in the matter I seen that my rights were violated based on FDCPA Laws as follows : 15 USC 1692, 1692a ( 3 ) Definition of a consumer as any natural person obligated on or allegedly obligated on a debt ; 1692 a ( 5 ) Definition of a debt as an obligation for money, goods, insurance, or services for primarily personal, family or household purposes ; and 1692 a ( 6 ) Definition of a Debt Collector as collectors, collection agencies, etc
Product: Bank account or service

I bank with Chase and have for over 10 years. The online bill pay used to work a bit differently- the funds were taken from your account when the recipient received the funds or cashed the check from Chase. Now funds are taken when the payment is made. I thought the funds were transferred electronically but that is not necessarily the case. My mortgage payment was made through online bill pay on XXXX/XXXX/2016, and over {$2400.00} taken from our account. When I received the XX/XX/XXXX statement from our mortgage servicer they did not show the XX/XX/XXXX payment had been received. I contacted them, went through the process of submitting information and waited for a response which took over a week, for them to tell me they needed a copy of the cancelled check ( I had originally submitted the only payment verification information available on Chase 's website ). I called Chase to get a copy of the cancelled check and was told after quite a bit of back and forth, that the check had not been cashed. Chase would apply a stop payment and the funds would returned to our account overall between processing, stop payment, etc. in 5-7 business days. 

Had I written a paper check the funds would still be in my account and I would have been able to easily see that my mortgage company had not received the payment. I could have simply made the payment online through their website to avoid late fees and any negative reporting on my credit. Now my mortgage payment will be 30 days past due and show on my credit because of Chase 's online bill pay process and because I do not have an extra {$2400.00} just laying around.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information showing on my credit report. This is a FTC violation
Product: Credit reporting, credit repair services, or other personal consumer reports

BEEN OVER 30 DAYS NO RESPONSE FOR TRANSUNION, XXXX AND XXXX ABOUT INCORRECT FRAUD ACCOUNTS.
Product: Consumer Loan

In XX/XX/XXXX, I purchase a XXXX XXXX XXXX - financing through XXXX XXXX XXXX XXXX. 
In XX/XX/XXXX, that loan was sold to Santander Consumer USA. 
XX/XX/XXXX, the XXXX 's engine timing chain slipped and destroyed the engine. The vehicle was towed to XXXX XXXX in XXXX, Indiana. The cost of the repair was going to be well over the remaining loan and did not have the funds to proceed further. 
Upon contacting Santander, I was told that the best course of action would be to sign the vehicle over as a voluntary repossession. With Indiana having being a non-deficiency state ( under {$4000.00} ) I would not be held liable for the difference of selling the vehicle. I was a year from paying the vehicle off with a remaining balance of approx. {$2300.00}. They sent paperwork to XXXX XXXX which I signed to release vehicle and financial obligations, however never received any copies or had any further communication with Santander. I was not even given notice as to what the vehicle did sell for. However through review of updated credit report it was identified that the loan was sold ultimately to XXXX XXXX XXXX , XXXX which has already been disputed and removed for report ( Case number : XXXX ) Now in reviewing the XXXX report ; new activity was started on XX/XX/XXXX, fours years after this was said to be settled.
Product: Debt collection

Midland credit management is reporting three unverified accounts to my credit reports. I have asked them multiple times to validate the debt with no response. 

The amounts of the accounts are as follows : {$680.00}, {$710.00}, {$970.00} Please inform them to remove these from my credit report immediately.
Product: Checking or savings account

ON Thursday XXXX, I ordered XXXX pair of glasses off XXXX..Once I place the order {$280.00} was fraduently removed from my account. I call my bank minutes after it happened till this day I am still fighting to get my money back through Bank of America XXXX XXXX. That was my whole check and I have been pleading with them to either call XXXX or refund my money.. Which was for car repair I can not get my car out the shop because of this situation, when they refuse to refund me that money. XXXX has tried to give me a credit but were unable to because Bank of America canceled that card. This happened before in XXXX where someone has trade ins electronic device on my account my account was shut down for XXXX in XXXX, and I was refunded by XXXX XXXX, and it was prepaid account. All XXXX  HAS TO DO IS CALL XXXX THEY REFUSE TO CALL IT HAS BEEN XXXX DAYS AND THEY STILL ARE NOT TRYING TO GIVE ME MY MONEY, IN COMMERICIALS ALL I SEE IS MONEY IS INSURED YET I GIVE MY HARD EARNED MONEY TO THE BANK EVERY XXXX WEEKS BEFORE I EVEN KNOW HOW MUCH IM GETTING PAID YET THEY TREAT ME AS IF XXXX XXXX XXXX. I CALLED IN TEARS BECAUSE I CANT PICK UP MY KIDS FROM SCHOOL AND THEY STILL REFUSE TO CALL XXXX OR REFUND ME. THEY KNOW I AM XXXX AND IM BEING TREATED THIS WAY BECAUSE OF THE XXXX XXXX XXXX XXXX. IVE HAD XXXX FRIENDS HAVE THIS SAME ISSUE AND THEY GET REFUNDED DAY XXXX. I DONT KNOW WHAT TO DO FOR A BANK THAT HAS MILLIONS OF DOLLARS TO TREAT THEIR CUSTOMERS LIKE THIS THEY NEED TO BE FINED OR DONT NEED TO BE ABLE TO OPERATE WITHIN THE UNITED STATES I AM XXXX XXXX XXXX AND FOR A BANK TO TREAT ITS CUSTOMERS LIKE THIS IS NOT ACCEPTATABLE. THEY ALREADY LIED TO ME ABOUT A PROMOTION FOR {$100.00} TO GET ME TO SIGN UP FOR THE CHECKING ACCOUNT, AND XXXX  MONTHS LATER WHEN ITS TIME TO PAY ME THEY USE A FINE LINE PRINT THAT A NORMAL XX/XX/20 VISION PERSON COULD NOT READ. THEY ANSWER MY CALL EACH TIME I CALL SO THEY ARE NOT THAT BUSY THAT THEY CANT CALL AND GET MY FUNDS FROM XXXX THAT IS JUST THE XXXX  THEY HAVE FOR THEIR XXXX CUSTOMERS. I NEED HELP OR I WILL GO TO XXXX AND THE NEWS ... I HAVE GRANDKIDS THAT NEED TO BE PICKED UP FROM SCHOOL AND WITHOUT MY CHECK I CANT GET MY CAR AND THE BAD THING IS I HAD JUST GOT PAID THE SAME DAY ... PLEASE HELP IVE BEEN ON XXXX AND MY NEXT STEP WILL BE THE NEWS CAUSE IM TIRED OF PLAYING GAMES OVER {$280.00} WHEN THIS BANK HAS MILLIONS ... .AND THEY NEED TO STOP TREATING THE XXXX XXXX WRONG ALSO CAUSE THAT IS A FORM OF DISCRIMENTATION ... MY NEXT IS THE NEWS ... BECAUSE IVE WROTE ABOUT MY ISSUE WITH THE PROMOTION AND NEVER HEARD BACK FROM YOU SO I KNOW THEY ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX APARTMENTS Date assigned XX/XX/year> {$5000.00} date reported XX/XX/year>
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : Equifax : XXXXXXXX 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: Mortgage

Since you closed my previous complaint # XXXX, I am forced to file a new complaint. The previous complaint was not resolved. Specialized Loan Servicing was the mortgage company that had the mortgage on my home. In XX/XX/year>, Shellpoint took over the mortgage and but they did not send adequate notifications. I made my XX/XX/year> payment to Specialized Loan Servicing rather than Shellpoint. In the previous complaint I made with your company, Shellpoint responded with a mortgage statement, which neither you and Shellpoint have failed to pay attention to. If you will look at XX/XX/year>, the statement is showing unapplied funds of {$680.00}, then on XX/XX/year>, the unapplied funds were applied to late fees rather than the monthly payment as it should have been. I was one month past due until I brought my account current on XX/XX/year> with a payment of {$1400.00}. I am enclosing bank statements. I can no longer get my mortgage statements as Specialized Loan Servicing is no longer in business and Shellpoint will not provide me with my XXXX mortgage statement from specialized loan servicing.