23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/XXXX Purchases {$150.00} Credit issues for returns XXXX Balance due {$100.00} {$100.00} was due on XX/XX/XXXX. I mailed check on XX/XX/XXXX. 

XX/XX/XXXX {$30.00} late fee was applied to my bill. Paypal had switched to paperless billing so I did not receive a statement at this time. I went online to see why I hadn't received a statement and saw a balance due of {$130.00}. I called them and was told payment was not received. I told them I had mailed it XX/XX/XXXX. I would check with my bank and if not cashed would mail a check today. It hadn't so I sent check on XX/XX/XXXX. 

NOTE : I was receiving emails from a Sychrony Bank. Since I had no idea who that was and had not contact with them, I figured them for spam and never opened them. I found through conversation that this was actually PAYPAL. In the future I started to receive some emails that said they were from PAYPAL which I opened. 

XX/XX/XXXX Statement showed payment XXXX received but showing XXXX balance for late fee. I called again and asked why it hadn't been taken off. Thought when I talked to customer service before they said it would be removed. She said we can't remove late fees. You need to pay the balance. I said I was not going to do that as I was told it would be removed. 

XX/XX/XXXX Statement received showing balance of {$60.00}. They charged me a late fee on a late fee. I called again and was again told I had to pay the balance. 

XX/XX/XXXX I sent a letter to them explaining what had happened. What I was told about the late fee being removed. That I had been a customer since XXXX, always paid my balance in full early. ALWAYS. I got no response to my letter. 

XXXX/XXXX/XXXX Statement Balance {$100.00}. Added late free of {$41.00} and Interest of {$2.00} to previous late fees charged. I called again and said you said you were removing the late fee. Now you are charging me late fees on late fee plus interest. She said they would remove the {$30.00} late fee. 

XX/XX/XXXX Statement balance XXXX. Removed the {$30.00} late fee but left the rest of them on the bill. I called again. I said you removed the {$30.00} late fee why didn't you remove all of them. She said oh that wasn't the first late fee that was removed so you owe the balance of {$71.00}. Isaid NO I am not paying that. This is the first late fee that you said was back that you would remove. It that had been done right away there would not have been any other fees. She said she couldn't do that. I had to pay. 

XX/XX/XXXX Statement shows balance of {$120.00}. Charged XXXX late fee again on late fees. I have not called again.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be 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. 


Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX and It was never provided. 


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


Update the late payments from my consumer reports
Product: Checking or savings account

Hello so apparently I had a wire fraud on my checking account on XX/XX/XXXX for the amount of XXXX plus XXXX for the wire fee. I noticed the charge online and contacted my bank. They conveniently closed the account before the weekend so whatever money was left I had no access to. They went on and said I have to open a new checking account and transfer the funds from the old account to the new account. I am still waiting for the rest of the funds they are holding against my will. They say they can hold it for up to 90 days, but they say there was no fraud on my end. I recently moved. I explained to them that I live alone, I am in XXXX I pay rent, and all my bills and food. All on me and that you can't hold my money. Now when I try to call the phone gets disconnected or they say, still investigating the issue.
Product: Credit reporting or other personal consumer reports

On or Between XX/XX/2023 and XX/XX/2023, I was informed that a collection entry was erroneously reported to TransUnion. As a result, my transunion credit score dropped XXXX points. Following clarification with the original creditor, XXXX XXXX XXXX who promptly ordered the collection company ( XXXX XXXX ) to REMOVE/DELETE the collection account from my credit report. Between XX/XX/2023 and XX/XX/2023, This XXXX XXXX collections account ( Account Number : XXXX ) was removed from my credit report. However, despite the removal of the erroneous collection, my credit score has not been restored to its previous state.
Product: Debt collection

DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.

LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.

605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.

The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed.

LENDMARK XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed.
Product: Credit reporting or other personal consumer reports

Statement Regarding Unauthorized Sharing of Personal Information To Whom It May Concern, I am writing to address a concerning issue regarding the unauthorized sharing of my personal information by XXXXXXXX XXXX  on my consumer report. This unauthorized sharing of information has come to my attention and raises serious concerns regarding the protection of my privacy rights and compliance with applicable laws and regulations. 

XXXX XXXX XXXX actions in sharing my personal information on my consumer report without my authorization are in direct violation of several laws and regulations designed to safeguard consumer privacy and ensure fair credit reporting practices. Specifically, these actions may contravene the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), Consumer Financial Protection Bureau ( CFPB ) regulations, and potentially state privacy laws. 

The FCRA mandates the accuracy, fairness, and privacy of consumer credit reports, including the permissible purposes for accessing and sharing consumer information. The unauthorized sharing of my personal information by XXXXXXXX XXXX  may violate the FCRA 's provisions related to permissible purposes and the accuracy of consumer reports. 

Similarly, the XXXX requires financial institutions to protect the privacy and security of customers ' nonpublic personal information. XXXX XXXX XXXX unauthorized sharing of my information may breach the XXXX 's privacy requirements and regulatory standards set forth by the CFPB. 

Additionally, state privacy laws may provide further protections for consumer privacy rights and impose additional requirements on the collection, use, and sharing of personal information. 

I demand immediate action to address this unauthorized sharing of my personal information by XXXX XXXX and to rectify any inaccuracies or violations of my privacy rights on my consumer report. Furthermore, I expect XXXX XXXX to implement measures to prevent similar unauthorized sharing of personal information in the future and to comply fully with all applicable laws and regulations governing consumer privacy and fair credit reporting practices. 

Please provide confirmation once the necessary actions have been taken to address this matter and ensure the accuracy and privacy of my consumer report. 

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

I have been disputing the XXXX  accounts listed on my report for well over a year now. I have all the paid in full letters that affirm had sent me. They are even listing a XXXX dollar account as unpaid. Why would I leave XXXX dollars unpaid? Experian just keeps telling me that they just do what the creditor lists.
Product: Credit card or prepaid card

Requested APR to reflect the lower rate afforded to my military status in XX/XX/2019. The XXXX XXXX XXXX   started XX/XX/2019. Under the SCRA the APR should be 6 % not 18.33 % I was being charged. After 6 calls over 4 months there was no resolution and no explanation why it has not been processed.
Product: Checking or savings account

I had a a trust account for my mother XXXX XXXX XXXX testamentary trust. 
The account has been active and open with SunTrust. XX/XX/2021 a statement was sent to me showing the following, which is attached. The statement is showing on XX/XX/2021 a withdraw of XXXX was made, and the account was closed. 
I never closed this account nor did I make any withdraws. 

I contacted sun trust/truit bank to ask about this account XX/XX/XXXX and they have no records of an account being closed nor open. They only have a profile for me. There no proof there was an account. Although I have the statements to show there was an account. They told me to call a local branch, and have them look. I called and they informed they don't see anything either. I went to the bank in person XX/XX/XXXX for them to tell me the same thing. On XX/XX/XXXX i proceeded to get the police involved and they made a report and are doing further investigation. No one knows where this account is or what happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never opened credit card with XXXX  XXXX XXXX, which I confirmed twice with the bank. The experian credit report showed that Under my name, there is a XXXX  XXXX XXXX credit card with payment made on time each month since 2013. I cleared dont have this credit card nor made the payments. I filed a dispute, experian just made an updates but didnot delete this account. 
This is the second time they mixed up my report with someone else. 
It happened before, it was the same XXXX XXXX XXXX credit card poped up, I filed the dispute and they removed it.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 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. 

This company 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 am having issues trying to get a payoff letter of my Shellpoint mortgage. Customer support said they have no way of escalating, no way of communicating with other team which handles payoffs, and no way to communicate issues/problems internally for improvements/enhancements. 

On XX/XX/XXXX, I asked requested payoff amount online, to be delivered via web. 
On XX/XX/XXXX, the company I am refinancing with requested payoff amount. 
Neither of us got anything. 

Tuesday XXXX I called. Person told me they would email the payoff over to the refinance company right now, and it should take XXXX mins. Nothing was received. Never got a call back that there was any kind of issue- especially concerning that we expected within an hour. 

Wednesday XXXX - I called. Person told me that an " email might take XXXX XXXX, a fax is quicker, let me do a fax ''. When she tried to put in the system, it said it would take up to XXXX XXXX to process. I guess because I had a discharged bankruptcy. I told her that was the message I got on XX/XX/XXXX, but never received anything back then. She said she would put in the request again. But the XX/XX/XXXX request should be completed on XXXX ( today ), as that is XXXX XXXX. Never got it today. 

Today XXXX - I called. Person I spoke with said they would email me a letter now. Then he got the same message and told it would take XXXX XXXX. I told him it's already been XXXX XXXX from XX/XX/XXXX request, and way past that from the XX/XX/XXXX request. He said he didn't see a request on XX/XX/XXXX. The people from Tuesday 's and Wednesday 's call did though. he said he would submit. 
I told him we are doing the same thing over and over and expecting different results. I asked to speak with a supervisor- he said he can't do that. I asked him to escalate- he said he had no way of doing that. I asked to speak with whoever is supposed to work on this- he said he didn't know and had no contact info. 

I am trying to refinance. If this continues, I lose my lock. And rates and payment info will go up.
Product: Checking or savings account

Yesterday morning, XX/XX/2022, I tried to process two payments with my debit card from Citizen 's Bank, and they were denied. I called and the person told me that it was now unlocked ( Lie # 1 ). It was not as I tried it again later and it was still denied. I called again and spoke with someone different and they said it would be unlocked in 30 minutes. ( Lie # 2 ). I tried after 70 and it was still blocked. combined time between each of these calls both on hold and and talking to a representative for more than an hour.

I called back later that night and after 53 minutes on hold they said I could come into the branch with my ID or FAX my ID and two utilities bills. I explained that I was currently in XXXX and unable to either " stop by a branch '' and that I could fax copies of my passport and driver 's license but i would have no access to utility bills as I was in XXXX. The said they would call me back ( Lie # XXXX ). The did not. 

I called back again on Saturday, XX/XX/2022, and was told my debit card was locked because of a high risk of fraud. They reiterated the two options mentioned above and they seemed to not accept that either were viable. I have used my debit card for more than two years in XXXX as I split time between there and the US. The only real change in activity was that I was recently had been XXXX XXXX XXXX XXXX XXXX and a XXXX account was set up. The organizer 's sister then began to dispense the funds to me via XXXX. Otherwise there was no unusual activity. 

They said it was only my debit card that was blocked ( Lie # $ ) but apparently my whole account is locked as I had someone test transfer {$1.00} and that transfer was denied. I work part-time online and am paid via a XXXX transfer so I can no longer get paid. Additionally my state pension is direct deposited in this account and I am concerned that I will not be able to receive my state pension. 

In short, I am stuck in XXXX with no access to my funds as a result of this arbitrary and capricious decision to lock my account and any attempt to resolve it has been met by lies and incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, EQUIFAX and XXXX WAS XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries and accounts listed below are still reporting on my Credit Reports and need to delete immediately : 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 XXXXXXXX XXXX XXXXXX/XX/XXXX )