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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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: Checking or savings account

I scheduled ONE time payment to my XXXX credit card of {$300.00} on XXXX XXXX 2019. Bank of America charged me {$35.00} overdraft fee DOUBLE time instead of one time. So instead of {$35.00} overdraft fee Bank of America charged me {$70.00} for ONE time scheduled payment. 

This is my second time I'm writing here for this exact issue because previous last time I been ignored and the reply that I see here in this site from Bank of America is false. It says : " The company sent the response directly to the consumer because it could not confirm who submitted this complaint ... ''. First, I haven't got anything directly. Second, how could Bank of America could not confirm who is submitting this complaint if I'm showing in here my name, my bank account, my address, etc. I can't explain this sort of reply like anything but simple ignoring my complaint and rejecting to do anything in order to solve an issue as Bank of America normally do.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX XXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX XXXX  to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I demand the late payment reported in ( MONTHS REPORTING 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, ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have filed XXXX different disputes in the matter of XXXX years with Experian.To remove information that is incorrect or inaccurate. Also to verify debts. I got the Attorney General involved. Then Experian removed all the accounts. Once the dispute was over. They re-inserted all the accounts to the point that my credit has dropped all my XXXX ratings have dropped. Because of this, it has affected my personal and my business from being able to access funding has also affected my family. Experian has violated a lot of my consumer law rights.
Product: Student loan

I have been paying my loan agreement with Navient/XXXX on time. The money is an automatic payment. I have recently started to recive phone cals from them offering a settlement offer, in which i would have to pay a large sum XXXX XXXX XXXX in XXXX payments. I have told tgem that i can not do that and would stay with my current payment. I was told by the rep that i could take out a loan from my XXXX, ira or a personal loan. I thought she was overstepping her boundaries. After i told her no i would not be doing so she then responded " you rater be responsible for XXXX than XXXX? Again thats none of her concern especially if im making my payments. I received another call from the same rep a week later offerung the same settlement. I asked her why was i still receiving these calls and she looked into my accout and said that it was because i show that i have an available credit card amount of XXXX which i could use as a down payment. I dont think that its fair of them to harrass me for a down payment for a settlement that i can not afford when i am making payments to them and is in good standing. My credit will not be used to give them more money, that is my emergency card and is not used for that. They are a money hungry company
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account XXXX XXXX XXXX XXXX - XXXX reporting agency is reporting that this account was late. This account was never later. Please have them remove late status from my XXXX credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX unlawfully obtained my XXXX credit report XXXX XXXX.
Product: Checking or savings account

On XX/XX/2022, I reported a fraud claim on my daughters Campus Checking for unauthorized debit card transactions, fraudulent checks were deposited into her account ( the checks arent made payable in my daughters name ), unauthorized member transfer to another bank. As of today I am still dealing with this issue with Navy. They denied the original claim. I filed 2 different appeals and those were denied as well. Ive called and spoken to customer service with no help. Spoke to a manager and he informed me that because the checks were deposited into my daughters account and now they have been returned for NSF that she is responsible for the fraudulent checks because the bank has to recoup there money. He also stated your daughter should have kept up with her account thats her responsibility to make sure her account is not hacked. I told them the checks shouldnt have been allowed to be deposited because they are not payable to her. He states are we suppose to check who the check is made out to, we dont check that on mobile deposits. I asked to speak to his manager, he stated he is the last person I could speak to. I asked for the name of his manager and a email address or phone number to contact them, he was combative and refused. I asked him are you refusing to give me the information Im requesting? He told me to hold on and transferred me to a automated survey. My daughter did not receive any of those funds that were made in her account. One of the checks returned thats not in her name and bc Im the co-owner they took XXXX out of my account, putting me in a financial bind. I called concerning that issue and was told bc the check was returned and even though we have filed fraud claims I was responsible for paying the money. Now a second check has returned and Im getting the same response. This bank is holding there consumers responsible for their account being hacked, fraud and unauthorized transactions. Im still trying to get this matter resolved. I filed a complaint with XXXX and XXXX responded back stating that my daughter and I are still responsible for paying the fraudulent checks that someone deposited into her account because it was hacked. I have filed complaints with XXXX and XXXX. XXXX instructed me that they forwarded my complaint to your office.
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: Vehicle loan or lease

ALLY FINANCIAL XXXX XXXX XXXXXXXX I opened an Auto loan with Ally Financial in XX/XX/XXXX. I had previous loans with Ally so I was a repeat customer. In XX/XX/XXXX the start of the XXXX XXXX pandemic the State of Maryland forced us to shut down my businesses. Me being self employed was facing the reality that I would not have any income for my family. I called Ally to explain the situation and was told not to worry they are giving people the option of not paying during this time and these payments would be applied at the end of the loan. I was relieved until XX/XX/XXXX when I got a notice on my credit report that I was 90 days late on my payment. I immediately called Ally and I was told that they were giving the payment deferral but I had to submit a request in WRITING. That is the part I was not told about. Thus my credit report reported the 90 day late which destroyed my credit report. At that point I scrambled to get enough money together to pay all the back payments to be caught up to date. I have been requesting that my credit report be corrected to reflect that I was not late because the company although they told me I was eligible for a payment deferral I was not told the proper procedures to obtain that deferral. I understand that was a very difficult time for all of us but I feel that error on the part of the company should not jeopardize my ability to keep my good credit rating. Eventually the XXXX credit report corrected the error. Unfortunately XXXX credit report HAS NOT CORRECTED THEIR REPORT. In XX/XX/XXXX I paid off the car. Unfortunately for me the 90 day late report is still on my XXXX Credit Report. I am requesting that Ally Financial correct my credit report even though my account has been paid off that they report to XXXX that my loan was PAID AS AGREED and remove the 90 day late. Thank you in advance for your time and effort in my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just went to both XXXX and Transunion 's Websites to dispute the fraudulent account that was just placed on my credit report ( s ) by XXXX for an account that has been disputed multiple times in the past and removed, but apparently the originator has once again sold it to a different collection agency instead of removing it completely because it is fraud. This time I am also going to file a complaint with the MD   Attorney General 's Office of Consumer Protection. 

XXXX and Transunion, first please get your XXXX to fix your websites, so that, in the age of covid-19, people can file disputes online vs getting an error message to call a customer service number that is likely overwhelmed by lack of staff support. 

Second, the XXXX account is the account, as said above, that I have disputed multiple times and it was removed from my credit reports because it is fraud. Please remove the fraudulent account from my reports immediately. 

Stay safe.
Product: Credit card or prepaid card

I applied for a credit card with Wells Fargo to transfer my entire XXXX credit card balance. Wells Fargo approved only {$2500.00}. They didn't tell me this until already proceeding with the smaller, less than intended, balance transfer of {$2100.00} + {$63.00} in fees. I contacted XXXX to cancel this payment and they sent it back to Wells Fargo. However Wells Fargo has not given me credit back for this cancelled Balance Transfer and now is charging me fees for missed payments. I'd like them to refund this cancelled balance transfer and refund all fees. I've chatted with them online. They asked me to call. I've called and been disconnected by the representative when they didn't seem to understand why/how to dispute a cancelled Balance Transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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: Mortgage

XX/XX/year> after our offer was accepted by the seller, we were told our interest rate would be 5.75 % by our lender with veterans united, XXXX XXXX. He verbally asked if we would like to lock that rate on XX/XX/year>. My husband, XXXX XXXX and I both said " yes '', lock that rate. We were very excited about a 5 anything rate, since when we placed an offer in on a house a few weeks prior our interest rate would have been 7 something. The loan officer stated the rates may drop more and we might not want to lock, we said, No lock the rate. We electronically signed the documents not even noticing the lender selected " No '' to locking the rate. 
Fast forward to XX/XX/year> XXXX tries telling us congratulations on your 6.25 % interest rate we are all ready to finalize this loan and close it next week. My husband right away questions what happened to the 5.75 % interest rate? XXXX tells us he did not lock the rate because he was certain the interest rates were going to continue to drop. XXXX was wrong and the gamble he took on my family 's behalf did not pay off. My husband and I were extremely upset. XXXX XXXX admitted to him mistake right away and said he would try to make it better. He went to his supervisor XXXX XXXX. XXXX spoke with my husband and said they would get the rate down to 5.99 % by taking the commission they should have made on the loan and paying our loan down, but there was nothing else she could do. She also said, " she knows how we feel because she has a XXXX mortgage with a 7 % interest rate ''? Then I spoke with XXXX and explained the 5.99 % was not good enough, that they needed to correct their error. She lied and said federally she could do nothing else. She also just kept telling me we can refinance our mortgage. I told XXXX a refinance costs additional money and that is another gamble on my family 's behalf that interest rates will actually drop. I explained that their error will cost my family over a 30-year mortgage {$21000.00} and that they needed to fix it. I was told no one keeps their 30-year rate so my numbers are inaccurate. XXXX XXXX apologized for the error but basically told us " OH well '' in the most unprofessional way possible. My husband has been in the military for 12 years now and has earned the right for a VA loan- Veterans united and their error made our home buying experience this time around miserable. We are all human and make mistakes- but when you know you messed up, fix it. XXXX admitted to the error and his supervisor didn't care. I will forever tell anyone I know to stay far away from Veterans united- they cost my family over XXXX and treated us like trash. Also, XXXX and XXXX would only admit their error to us over the phone- but they also admitted this error to our realtor XXXX XXXX so we do have another person that can back us since apparently, they can't record our calls.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX & XXXX XXXX Baalnce : {$0.00} 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

DISCOVER BANK, a financial institution and furnisher of information, along with XXXX, a consumer reporting agency, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation V ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 

I, the consumer, have been adversely affected by DISCOVER BANK and XXXX being willfully noncompliant with the proceeding federal regulations. 

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. DISCOVER BANK and XXXX do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked. 

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charge off is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. DISCOVER BANK and XXXX are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. DISCOVER BANK and XXXX have been willfully noncompliant by continually misusing my consumer report after I filed a complaint. 

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services. 

My intent is to sue if said issues are not resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX JPMCB CARD SERVICES XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XX/XX/year> NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

Account : JPMCB CARD SERVICES Account number : XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( JPMCB CARD SERVICES ) Making the report is NOT INCLUDED on my Consumer report!

Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ JPMCB CARD SERVICES ] that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s [ JPMCB CARD SERVICES Account Number : XXXX ] Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character Negligent Non-Compliance Civil Liability Mental Anguish Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Checking or savings account

Have a PNC Bank XXXX debit card that expires XXXX. PNC sent me letter stating that they will not issue me new card unless I call in to activate. However, when I phone XXXX it states that my ability to activate has been suspended. I have phoned the number on the back of my card at XXXX multiple times and either the call center is closed or I am put on hold for a long time. Please have PNC Bank activate and issue me a new card when my current one expires XXXX. PNC bank should have a 24/7 operator for its customers.