23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

Good Afternoon, Once again, I am reaching out for assistance with late fees erroneously applied this account. The due date on this account was the XXXX of each month. I use my online bill pay through XXXXXXXX XXXX and as you can see the payment is sent out well in advance of the due date to Ally Bank. One Ally Bank representative even told me that they have a 3-day Grace period before applying a late payment charge. Ally Bank claims the Postal Service in their area is subpar and therefore the payments dont arrive when they should, however they are refusing to update the timeframe with XXXXXXXX XXXX to allow for the extra time through the online bill payment option or work with XXXXXXXX XXXX to have an ACH option that would allow payments to arrive withi

n 1 business day. As you can see below and from the attached Proofs of Payments fro
m XXXXXXXX XXXX The XXXX payment should not have been charged a late payment fee as it was received by Ally Bank on XX/XX/XXXX, the due date was XXXX, meaning it was received 2 days before the payment was due. 
Date Payment was sent Date Payment was Received Date Payment was Deposited Date of Late Payment Charge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attempted to reach out to Ally Bank several times in order to have the late payments waived. 
XX/XX/XXXX at XXXX CST - Called Ally Bank 's customer Service and asked to be transferred to a supervisor. The hold time was over an hour and I had a previous engagement that I had to attend and could not wait that long. 
XX/XX/XXXX at XXXX CST - Called Ally Bank 's Customer Service XXXX XXXX, spoke with a Customer Service Representative but the call dropped as the representative was reviewing my account after 35 minutes on the phone. However, I was told that Ally Bank has a three ( 3 ) day grace period on payments before a late payment is charged during this call. 
XX/XX/XXXX at XXXX CST - Called Ally Bank and spent 14 minutes reverifying my account and then requested a call back from a supervisor/manager. 
XX/XX/XXXX at XXXX CST - Spoke with a manager that was very rude and condescending regarding my account. She accused me of trying to tell her how to do her job which was not the case at all. I made the last payment on my account of {$110.00} and ask that she waive the late fees. She told me that she could only request one be waived. 
Once all three of these late fees are waived, this will conclude my business with Ally Bank now and forever more. 
Thank you for your time. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been calling these people telling them that it wasnt me it was fraud on my account
Product: Student loan

The loan is XXXX and the interest still builds up and I 'm on a payment plan.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was doing refinance through Sibcy Cline mortgage company. First they didn't fill out paperwork properly and I was short almost a {$1000.00}. I caught the error on time. But then they also didn't provide correct insurance information, XXXX XXXX XXXX XXXX XXXX didn't mail the check to the right company, and as a result my home insurance was cancelled and I didn't have coverage for over 2 months. The big issue is that no one did anything about correcting the error for over two months, until I found out that this was happening and started contacting everyone. There was no apology or compensation issued and I was blamed for not cooperating and being helpful.
Product: Debt collection

I have called and talked to the company I am seeking asking for a detailed statement for the past 3 months of the account before it went into collection so that I can verify how a XXXX credit limit credit card became {$1100.00} the agency has refused to go back 3 months or take a settlement offer of XXXX and the least they would go is XXXX. I would like detailed statements of how fees or interest were accrued and verify last purchases before collection
Product: Debt collection

I have requested on two occasions a detailed debt verification from RADIUS GLOBAL SOLUTIONS LLC and to date they have refused to properly validate the debt the say I owe, instead the provide a very hard to read generic print out from XXXX. I again had closed the XXXX account and had a XXXX balance at the time of closure also with written proof. This request was sent certified mail on XX/XX/year> and again on XX/XX/year> and was signed for on those dates with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance XXXX is sending to the credit bureaus are incorrect
Product: Debt collection

Hello, my name is XXXX XXXX and this is my second complaint to Midland Credit after this failed to rectify my matters. 

Please pay close attention to this complaint cfpb Please see attached
Product: Credit reporting or other personal consumer reports

Equifax and XXXX is reporting inaccurate information about an account to my credit report. The creditor is XXXX account # XXXX is being reported with inaccurate late payments as well. This account should not even be on my credit report and needs to be DELETED IMMEDIATELY! I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. This is not my account. I have no knowledge of this account 15 USC 1681b
Product: Debt collection

I have been receiving calls from XXXX Oklahoma for several months, mostly during the work day so I'm unable to answer at the time the call comes through. I have not lived in Oklahoma for over XXXX  years so I assumed it was a wrong number as no voicemails were ever left. Eventually the phone calls became enough that I answered one day during work to see what was going on. I was then harassed by a representative named XXXX XXXX from I.Q. Data International saying I owed over {$2000.00} and asked how I wanted to pay. I advised I wasn't aware I owed this debt as I've never received anything by mail. She then called me a liar and said letters were sent, I tried to apologize saying I never got them and I open ALL my mail and asked if I could get something in writing before I agreed to make any payments, she refused and said letters were already sent to me and it's my fault i didn't get them. I told her I knew my rights and she had to send me something by mail, I was then put on a hold without my consent and the call disconnected. Low and behold XXXX days letter I received my first communication by mail. ( letter dated XX/XX/XXXX ) Today XX/XX/XXXX I called and attempted to set up a payment plan or asked if a settlement was available as I just want to be rid of this debt and it not affect my credit score. I again spoke with XXXX XXXX and after asking me questions on my income, job, how much I pay rent, etc. she came back and asked how much I was able to pay today, I advised it depended on if a settlement was available or what the payment plan looked like, she then told me no payment plan was available and I had until XX/XX/XXXX to pay the debt IN FULL and they would not accept anything else. She then began telling me to ask my fianc for money or take out a loan to pay them. I advised I do not have {$2000.00} but I was trying to make good on my debt and make some kind of monthly payment, she refused, spoke over me and put me on hold saying " I'm going to put you on hold until you're ready to resolve this and make a payment '' I sat on hold and when she came back I asked for her supervisor. She told me it was unnecessary for me to speak with a supervisor and said they take XXXX. I again asked for a supervisor name and ext. and was told she was putting me back on hold until I was ready to speak with her. I disconnected the call and attempted to call back so I could get the supervisor, I was transferred directly back to her, I heard her say " thank you '' ( I assume to someone standing by her ) and was placed back on hold until it was transferred to her voicemail. This company is very unprofessional and I have never been spoken to the way she spoke to me when all I was trying to do was make a payment ( I did offer {$200.00} today but that wasn't good enough ) I would like my account to be transferred to another company or find another way to handle paying this debt as I will not be dealing with this company ever again.
Product: Credit reporting or other personal consumer reports

The company is XXXX I paid off of my accounts in XXXX theyve reported late for XXXX and XXXX. Ive emailed the appropriate credit reporting agencies with proof and I have yet to get a response. When Ive called XXXX in the past month representatives have hung up on me or said theyve put in a trouble ticket which XXXX I call the following weeks they have yet to provide me with any information and everyone I call I can never speak with someone in the back office thats supposedly handling my case. Meanwhile my credit score is dropping XXXX points every month since XXXX due to this error. I have provided evidence Ive emailed XXXX customer care and Ive mailed documents supporting the accounts as paid to Experian in which they have yet to fix these mistakes.
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Dispute of Account Information - Immediate Action RequiredDear XXXX XXXX I am writing to you with utmost urgency regarding discrepancies in the account information associated with my account. As a consumer, I demand immediate action to rectify these inaccuracies in accordance with Section 609 of the Fair Credit Reporting Act ( FCRA ) .Account Details : Account Name : XXXX XXXX Account Number : Credit Card Ending XXXX It has come to my attention that the information reported by XXXXXXXX XXXX may contain errors or inaccuracies. I vehemently dispute the accuracy of this information and insist on a thorough investigation into the matter.Under the FCRA, it is your obligation to ensure the accuracy of the information provided to consumer reporting agencies. Therefore, I demand that you promptly provide me with the original documentation related to this account, including any agreements or contracts that I purportedly signed upon its opening.I expect your immediate attention to this matter and a response within 30 days as mandated by federal law. Failure to address this dispute and provide satisfactory resolution will leave me with no choice but to escalate this matter further.I am not providing my Social Security card or any other personal identification at this time. It is your responsibility to verify the accuracy of the reported information without requiring additional documentation from me.Your prompt action in resolving this matter is imperative. I trust that you will handle this dispute with the urgency and seriousness it deserves.Sincerely XXXX XXXX
Product: Credit card or prepaid card

XXXX / XXXX XXXX  has allowed several cards to be fraudulently opened in my name and my wife 's name. It is now making further inquiries to the credit bureaus, using information that it knows is more than 10 years outdated ( and thus it knows the inquiries are fraudulent ). Our credit is suffering as a result of this. 

**This is only happening with this bank, not other banks or lenders. ** Here is the most recent fraudulent inquiry by XXXX/Synchony, using identifying info. that is more than 10 years old : XXXX XXXX   Requested On : XX/XX/2018 Identifying information they provided : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally request the blocking and deletion of my accounts that may have been compromised in the recent data breach, pursuant to 15 U.S.C. 1681c-2 ( a ). As a victim of this breach, I am concerned about the security and privacy of my personal information. 
Please find my personal details below for your reference : XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX 4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXXXXXX XXXX XXXX GA Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX  Account Number : XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX  XXXX XXXX A Account Number : XXXX
Product: Debt collection

I never bought a car from the dealer that financed it using Westlake financial car was never registered to my name It never even was reported to motor vehicle saying that I owned it the dealership stole the money directly from the bank and kept it I only found out that in my credit report I tried to contact the dealer they closed down so I contacted Westlake myself and they told me that someone has the money they lend out I told them I never took the car at all registered it or insured it the dealer himself took the money using my personal information they claim I owe them {$14000.00} for a XXXX XXXX XXXX car that I never owned my personal records will show that I never owned this car or anything related to it
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXXXXXX XXXX, and the three credit agencies. Due to the fact that XXXX XXXX is putting the total amount owed as my monthly payment. Sent the bank and the credit reporting agencies a copy of the contract and they just keep updating the information somewhere else. But leaving the problem unsolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, trans union, XXXX all have many names and different addresses and they are not me nor are mines and some how my information was involved in a data breach and this has caused my very personal and important information is out everywhere and lately I have been getting lots of emails saying that I owe companies and also everyday Im getting calls even when Im at work or at home and this is stressful when these people have handed out my information!!!!! 
I had to get a lock for my social security number and yet people are still harassing me daily and its all XXXX, trans union, and XXXX fault!!! I only have a first and last name only My address is a private mailbox. So how could these people have information when I didnt give them permission to them!!! My first name XXXX  and I dont have a middle name and my last name XXXX! So who is those other names and addresses??? I have a private mailbox!!!
Product: Debt collection

I have been attempting to resolve issues regarding 2 items that are negatively being reported to my credit files ; which is hindering my ability to obtain new lines of credit and having a major negative impact on my credit score making it impossible to secure loan for the purpose to purchase property. I do not owe Il XXXX XXXX XXXX XXXX any monies ; prior to negative reporting to all 3 credit bureaus I was unaware of this account/ collection. XXXX XXXX or IL XXXX XXXX XXXX XXXX has not attempted to reach me by mail phone etc had they did would have given me an opportunity to request an internal investigation on this account. This account is reporting incorrectly is it not mine ; I do not have a contract/ agreement of repayment for these account. Lastly I would like to address the incorrect reporting of Chapter XXXX Bankruptcy this account is also reporting invalidly and I would like both negative entries removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my  XXXX  report I disputed   XXXX   XXXX   account for {$380.00}. I paid the original creditor AAA on  XX/XX/XXXX  in the amount of {$310.00}. The original creditor AAA shows my account as a   XXXX    balance. I called everyday from XX/XX/XXXX  through  XX/XX/XXXX  to check the status of getting this collection account removed. I spoke to   XXXX    who escalated my account to her supervisor to email   XXXX   XXXX    that my account balance is  XXXX .   XXXX   XXXX   claim they have n't received any notifications from AAA. I spoke to an  XXXX  supervisor  XXXX   XXXX  ext  XXXX  who claims no email has been sent and that he verified the account and the balance is still owed.  XXXX  from AAA is adamant that her supervisor sent over the email to  XXXX  and that the balance is  XXXX . This collection account was added to my   XXXX    report as of  XX/XX/XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I disputed two inquires from XXXX XXXX XXXX XXXX on my Equifax credit report, Equifax failed to demonstrate the mandated physical and verifiable proof of adequately achieved permissible purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my account and paid it off with XXXX XXXX years ago and they have not removed the collection from my account. Now XXXX XXXX is reporting, as of XX/XX/2022, that I have a collection/charge- off account with XXXX and equifax. I do not have a collection account with them. I called and spoke with multiple employees who confirm I do not owe them money but they still have not removed or corrected this from my credit report.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I submitted applications to three ( 3 ) different rental properties to rent an apartment. On XX/XX/XXXX, XXXX XXXX, received by XXXX XXXX Credit Card a total of {$320.00} ( {$75.00} Application Fee & {$250.00} " Administrative Fee ''. During the background check, XXXX XXXX used a " fraudulent '' overseas ( either XXXX or XXXX XXXX entity ) who " declined '' to offer rental due to a fake police report ( NO CONVICTION OR PLEADING ). As soon as XXXX  XXXX notified me of the " police report '' which I explained was in ERROR, I rented at my current location after I notified XXXX  XXXX of my decision to not trusting them to lease from them. I notified XXXX XXXX ( XXXX ) ( XX/XX/XXXX ) demanded that they work with XXXX XXXX to return the {$320.00}, and on XX/XX/XXXX, notified me that XXXX XXXX returned the money. XXXX credited my account after providing ALL the documentation. On XX/XX/XXXX, I started receiving " threatening '' letters from Columbia Debt Recovery LLC, dba Genesis FOR {$400.00} on behalf of XXXX XXXX. Multiple attempts to contact XXXX XXXX and Genesis to stop the " fraudulent threats '' but to NO AVAIL and THEY CONTINUE on MONTHLY basis! Last " threatening '' EMAIL received on XX/XX/XXXX and XXXX XXXX was/is OF NO HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I consolidated XXXX student loans. XXXX was paid in full and removed from the equation. XXXX reaged the date of major delinquency to XXXX. Clearly they were already out of the equation and this is incorrect. Attached documents include an Equifax credit report from XXXX XXXX prior to consolidation proving date of major first delinquency to be XXXX not XXXX.
Product: Credit reporting or other personal consumer reports

My account with Experian 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.

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.

Experian 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

Short sale approval received from XXXX, loan servicing moved to Specialized Loan Servicing for the XXXX loan number XXXX and the XXXX loan number XXXX. SLS called me XX/XX/2017 to reduced the documentation required for short sale on the XXXX loan because of the homeowner 's chapter XXXX bankruptcy filing. However, SLS has recently cancelled short sale approval on the XXXX loan.