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

I contacted Experian in the first week of XXXXbecause I have been unable to acquirea score for months unlike the other two bureausto populate online. The first representativeI spoke with in the beginning of XXXX informed me I needed a trade line ( which at the time I had a small trade line already reported and active ) but to follow her instructions I acquiredan additional XXXX trade line that I have verified has been reported and Experian is showing the amounts on the report but not my Fico Score itself. So I contacted them again today. I have been on the phone with their " customer service '' department since approximatelyXXXXtoday. I spoke with another representative that stated if I were to enroll in Experian Boost my score would populate immediatelyso of course I did that as well. Boost populated 5 accounts with excellent payment history going back to 2019 but of course still no score was available. So I once again contacted Experian, after being on hold and hung up on twice I finally connected with XXXX who transferredme to her supervisor XXXX. I requested XXXX ID # or a reference # for the call and was refused on both counts ( the only info he stated he would provide was XXXX a membership supervisor out of XXXX XXXX or XXXX XXXX ) I was then told that ALL the information I receivedfrom the previous representatives was incorrect and there was nothing he could do to assist me. At which point I requested XXXX XXXX supervisor because I had been on the phone for hours and told at least 3 or 4 different answers none of which were accurate or helpful. XXXX refused his supervisor stating he was the highest person I was Allowed to speak with. Not only is this entire experience and lack of the representatives knowledge and customer servicefrustrating but this is hindering me from acquiringfunds trade lines and possibly my home I am attempting to acquire during a pandemic is not only unacceptable but extremely unethical.
Product: Checking or savings account

M & T Bank has collected several thousand dollars in overdraft fees from my personal checking account over the course of the year which I find excessive. 

As per the law, the bank could have declined debit and/or POS transactions due to insufficient funds in the account when my bank funds were running low or should have warned me that an overdraft fee would be assessed if I proceeded with the transaction. But instead of this, M & T Bank routinely processed such transactions and charged me an overdraft fee of {$38.00} per transaction, even if the transaction is for only a few dollars. This is designed and intended just to increase overdraft fee revenue. 

This practice is a violation of New Yorks consumer protection laws and also its implied contract of good faith and fair dealing in M & T 's General Deposit Account Agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/23 Called and spoke to XXXX requesting my free consumer report with Credo. I explained that I was a victim of identity theft. I was informed that they no longer provide reports unless I applied for a mortgage or auto loan recently. She said they were now a tech company. I requested that they could email me that in writing, but I was told no. There should be some sort of process in place that can provide consumers with information regarding their reports.
Product: Debt collection

SEQ FIN SVCS XXXX {$450.00} XXXX Medical  Accounts that are not mine.
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with capital 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.

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. 


Equifax 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: Mortgage

I currently have a mortgage with Key Bank on my residence located at XXXX XXXX XXXX XXXX XXXX CT XXXX. Account ending in # XXXX. With Covid virus, the numbers I attempt to call and denied access to a local branch has made it impossible to discuss the issue after receiving correspondence from the Bank with respect to insurance issues. 
My issue is with insurance requirements on my residence required by the mortgage. My current insurance agency ; XXXX XXXX XXXX Representative XXXX XXXX XXXX received notification from Key Bank expressing " under coverage '' policy amount for the above address. This has caused excessive insurance requirements dictated by the Bank mandating coverage on my home. I presently owe {$650000.00} on my home presently. XXXX XXXX placed valuation for replacement to be at {$660000.00} for replacement therefore assigning a yearly policy amount. 
Key Bank reached out to my agent and requires {$900000.00} replacement value for above mentioned property causing a unfounded jump in insurance costs to me due to valuation issues. 

I am asking for an individual to review these issues at hand please since my agent expects me to reach out to Key Bank and get an explanation as to these Bank requirements. I implore you to contact my agent listed above to discuss any of my issues explained to further validate this claim against Key Bank and XXXX XXXX inability to explain Key Banks position on insurance requirements. 

I appreciate any and all attention to this complaint since my insurance coverage requirement has made it difficult to meet my obligations due to Key Banks position with respect to house insurance. 

Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted four letters to XXXX XXXX, Experian, XXXX. The letters state, according the to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 )  ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax. mail or email in a fraudulent account.
Product: Debt collection

This is in regards to Carmax financial. After making a payment online earlier in the day, they proceeded to call after XXXX regarding this without checking the pending payment. They woke my child and stated they can call anytime before XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

IC Systems accounts : XXXX XXXX XXXX IC systems is reporting a debt on my credit file that I do not owe. I am unaware of any debts that I owe them because I have been working with the hospital. I called the hospital and they assured me they would take the accounts out of collections and transfer it back to the hospital. This debt should have never been sent to collections, it is erroneous and needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously attempted to have inaccurate information removed from my consumer profile due to the timeframe being more than 7yrs as outlined by 15 usc 1681 ( a ) ( 5 ). I received mail confirmation of actions taken by Transunion but have not seen this reflected on my most recent XXXX merged report ( which I have attached below ). These late payments were supposed to be verified by Transunion by how they could have done this with differing information on my credit profile still. Date opened, credit limits, high credit, last reported, date last active, and date of late payments ( which was the original issue late payments ). These inaccuracies have impacted my life since XXXX and Ive even paid on them to have my life unjustly affected due to negligence. 
These are my pervious complaints : XXXX Transunion XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to put A credit freeze on my Experian and as I tried to get into my account I was denied no matter how many times I try to change my password it gets denied i tryed contacting the company but was unable to
Product: Mortgage

ever since ditech took over my loan I have had nothing but headaches with this company. I was sent an escrow surplus check on XXXX for XXXX. I e-mailed ditech in XXXX to apply the check to my escrow. It is now XX/XX/XXXX and they still have not done so. Then I get my mortgage bill and ditech said I was short XXXX and raised my house payment. I keep getting form letters in the mail but no one is fixing the problem. 2nd complaint in XXXX they took my taxes out in the middle of the year, I filed a complaint with y'all they told you they had fixed the problem well they lied they never fixed it and turned around and did it again in XXXX ditech says on their web site they collect taxes 20 days before due date. The due date for taxes in XXXX NC is XX/XX/XXXX. They sent me an e-mail in XXXX saying they had paid my taxes so I went to the tax office my taxes had not been paid. And ditech proceeds to tell me that I was short. Well duh! If they had taken my taxes out like they were supposed to I would not be  short. The ditech check was a XXXX XXXX  XXXX check. ditech is a predatory lender. They also gave false information on my XXXX form. They say they have had my loan since XXXX, which is false.They tell me they have paid out my taxes and insurance when in fact they have not they change the dates to reflect something else. They sent me an e-mail that taxes were paid in XXXX and then I get an escrow statement that says they were paid XX/XX/XXXX which is not true. They do this in order to make looke like I was short and to raise my house note. Where I come from that is called stealing. Something needs to be done about this company they are crooks and commit mortgage fraud on a daily basis then lie and say they have fixed the problem which they never do. There are so many RESPA laws being brokenand no one is holding ditech responsible. If call them on the phone they talk in circles which I thought they were supposed to fix the last time the attorney generals office took them to court. They are not abiding by any of the mortgage laws. Now I pay my house payment on time every month. I DO MY PART make them responsible for their part and just because they tell you they have fixed the problem they really haven't and your office needs to check up on them to make sure they have followed through NEVER take ditech 's word for anything.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a {$800.00} loan on XX/XX/XXXX from XXXX XXXX online. I did received the money. I have made XXXX payments at {$140.00} beginning XX/XX/XXXX, thru XX/XX/XXXX for a total of {$1000.00} with a principal balance left at {$910.00}. I had to get an extension for the XX/XX/XXXX payment which is causing the interest of the loan to accrued daily. I wasnt aware the interest rate is 490 % more than my state of Louisiana would allowed on a payday loan. Also, I didnt know the company is governor by an XXXX tribal. They will offer an extension on the loan but you will regret it in the loan run. You will have to make XXXX payments at XXXX time instead of put the loan at the end of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX is currently reporting 2 collection accounts that i have no knowledge of. I was never given a DV from either company and they are incorrectly reporting on my credit file. 

XXXX XXXX - i disputed this account with the CFPB and the company also stated that they have no accounts reported. but its being reported by Transunion ( doc attached XXXX XXXX XXXX - also is another collection being reported and i have no knowledge of and was not given a DV
Product: Checking or savings account

I processed a deposit of {$890.00} on XXXX XXXX before the cut off time. It was to show on Monday, XXXX XXXX, but it did not, and it ended up giving me a negative balance. I called the bank to tell them about this and was told they would check into it with my branch, as well as ask that there be no overdrafts fees. I checked this morning, XXXX XXXX, and there were XXXX overdraft fees totaling {$74.00}, and, after calling my bank again, there was no record of my precious call. They were to call me back as to whether they would refund the charges and they never called back. My other complaint is that I use XXXX app and the app has tried, repeatedly, to get updated information about bank balance from my bank and they have not been able to. I use this app as a way to help to balance my budget and with the protection they provide, I could have received an overdraft protection of {$100.00}, but because they could not confirm the information, my account was overdrawn.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have registered with Transunion and XXXX. Transunion will not display my information on their website so that I can make a dispute. It took forever to find a customer service number but when I did either no one answers or there isn't an option to speak to someone. With XXXX   they have information on my student loan incorrect. When I call the number listed under the one that is reporting negatively each agent has told me that they do not have my loan. I finally hunted down who does has my loan and was told they are not reporting anything negative since my loans are in deferment. The Credit repair company has taken money from me for 3 months and they keep repeating the same thing thats on my credit report. I am frustrated and dom't know where e ; se to turn to get help.
Product: Checking or savings account

On XX/XX/19 a credit that posted to my account was taken back in the amount of {$75.00}. Instead of my account being negative {$50.00}, the bank back dated the funds and charged an overdraft fee for each occurring charge after the back date and placed a negative account balance of - {$160.00}
Product: Credit reporting or other personal consumer reports

I have only had two purchases in 2023 on my Target RedCard XXXX : a purchase for {$3.00} on XX/XX/XXXX and a purchase for {$2.00} on XX/XX/XXXX. Presumably due to the small balance on the credit card, I was never notified by Target that there was an outstanding past due balance on this account outside of emails notifying me that a monthly statement was available. These notices contained no indication of the account status and looked exactly the same as months where the account was inactive with a {$0.00} balance. Target then continued to make no attempt to notify me that the account was past due, while charging a $ XXXX/month fee until XX/XX/2023, when the fees caused the account balance to cross an arbitrary {$10.00} threshold. Once the account crossed this threshold, a past-due account was reported to all the credit agencies. Upon seeing this notification on an app monitoring my credit report, I immediately paid off the account and contacted Target to perform an investigation as to why no attempt was made to contact or notify me about the past due account earlier. I have launched investigations into this matter through the company, the XXXX, and various credit agencies, and each time Target solely claims that they must " report accurate credit info '' and have not adequately investigated whether the low balance prevented whatever notice of past due accounts that are normally sent from being sent to me. I also maintain that Target is falsely claiming that they are not investigating the matter due to the credit reporting being " accurate '', as they did not report the account was in a negative state for several months until it had crossed some arbitrary balance threshold.
Product: Money transfer, virtual currency, or money service

Hi, we received money from our customers on XX/XX/XXXX for {$9200.00} including paypal fees. But unfortunately Paypal put that money on hold. I tried to reach them to solve the problem, but they keep saying that i have to wait 180 days to release my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I wrote dispute letters to XXXX, Equifax and XXXX disputing the inaccurate information reporting to my Credit Report. I was a Victim of Identity Theft and sent in the police report along with my dispute letters expressing my concerns and asking for the information to be removed. It has now been 30 days and these negative items are still being reporting to my Credit File.
Product: Credit reporting

I have been trying to work with Experian to take off a debt can no longer be reported by Law. The length of time has passed. somehow, The date that has shown reported since, has changed. I provided a copy of a old credit report that shows the correct date. When I try to dispute with experian. they say they verify with the creditor. But they should just look at my evidence to show that the original creditor is not providing the correct information. I also saw that in just the previous month. It had been removed and then put back on with a later date to remain. This is very concerning because experian is the only one left that is having a problem removing this debt and not following the reporting law for length of time. I am including another copy of a previous credit report to PROVE that the dates are incorrect. Creditors should not be allowed to just change dates when ever they feel like it.
Product: Student loan

I still have yet to receive a response to an contact form inquiry I submitted to Edfinancial Services on XX/XX/XXXX. I have not seen the corrected balance on my account after speaking to a customer service representative. An incorrect balance has been showing on my account as of XX/XX/XXXX. Prior to this date, the amount was correct. My account displays an " adjustment '' of {$8300.00}. This is the exact amount paid from my Federal Employer via check as of XX/XX/XXXX. This adjustment wrongly increased the total current balance, now at {$12000.00}, including interest which has been accruing based on this balance. My most recent payment ( via Employer ; XX/XX/XXXX ) applied to the principal and interest, that would not have accrued at the rate it has been, based off of an incorrect account balance. I have requested Edfinancial Services to adjust my loan balance, as well as recalculate/adjust interest based on the correct total. I reached out on XX/XX/XXXX via a contact form, as well as called numerous times until reaching a customer service representative on XX/XX/XXXX. I was not guaranteed a resolution. I have yet to receive an account adjustment and poor communication from the servicer will not allow me to be notified if my account is ever corrected. I have offered to provide documentation as well as record of previous payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB and XXXX, I recently noticed ( Last month ) that I was late on my account, and I called XXXX immediately to schedule full payment that was processed on XX/XX/XXXX and I set up another payment that was processed on XX/XX/XXXX, but I wanted to send you in writing a request and favor to ask you if you could grant me a " goodwill adjustment '' to remove late payments from my credit report. 

This would mean a world to me, as I have never been late ... and somehow I missed email and notifications from you that I was late this time. 

I just recently checked my credit score and score went down by 84 points just because of this specific late payment ... and I want to take a second and explain what happened. 
For several years now ( since XX/XX/XXXX ), I have been with you guys ( XXXX ), and I already paid off two other loans ... and I am actually very close to finish paying this 3rd one as well ( I am at 90 % paid off ), and recently I changed my bank accounts ... which resulted in auto payments not being able to process. 

I never received phone call from XXXX, and since I am not receiving paper bills ( I was signed up in autopay ), I was not aware of the missed payments. 

I would like to request a favor to remove this late payments from my account and my credit report, if any way possible. 

I was never late on any payments to any creditors ever in the past 9 years ... and I simply didn't realize that I was late to you guys ... 

Thank you so much for understanding and I appreciate you for landing me money in the past and for hopefully helping me remove this negative report from my credit. 
If there is anything else I need to do, please let me know. 

I look forward to your response and doing business with you guys in the future as well. I have referred several of my friends and family members to you guys as well, and will continue to do so. 

Thank You So So Much once again for your help and I hope that you can forgive me for being late. 

Best Regards -XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$42000.00}, {$0.00}, {$31000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

-- PERSONAL ACCOUNTS -- 2. XXXX XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

PNC Bank refuses to allow me to link my bank account to the XXXX  service. 

I have been a long term PNC customer and XXXX  is a well known service to connect bank accounts to other services.