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

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported inXXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX 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 XXXXXXXX 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

Upon checking my credit report I noticed an unauthorized inquiry from XXXX XXXX of XXXX on XXXX. I never gave this company written or verbal permission to access my credit.
Product: Debt collection

We received a XX/XX/XXXX XXXX from XXXX XXXX XXXX. for an account that was " settled in full in XX/XX/XXXX '' for an old account. XXXX has stated they sent this form into the IRS and we will need to claim it as income for XX/XX/XXXX. Since the Fair Credit Reporting Act states I need only keep this information for 7 years I no longer have the settlement in full agreement. We have Never had an acct with XXXX
Product: Mortgage

Wells Fargo regularly failed in the servicing of my mortgage. At various times, they alleged default and included foreclosure costs which were estimated and not actually incurred in violation of my mortgage contract and federal and state laws. As a result of the foreclosure costs, they required me to paid in full as a condition of restating the loan. Their own documents indicate requesting thousands of dollars of " Unbilled Attorney fees '' and their request for " Pending '' amounts violates the Fair Debt Collections Practices Act. Their reconciliations show they collected thousands of dollars not due to them and their reinstatement figures were materially overstated. During this period of alleged default and not actual fees having been assessed, Wells Fargo furnished negative information to the credit reporting agencies which continues to be furnished through today. These furnishings have prevented me from refinancing my financial obligations as well as indicating to other lenders that I was a credit risk. During the alleged default, they continued to prepare court filings that indicated they were due amounts that had not been incurred. Their law firm was relentless in the pursuit to obtain a court order of default in order to sell my home at sheriff sale. Even after they collected the money, they retained additional law firms alleging the total mortgage amount due. The underlying conditions they created resulted in health problems and the inability to earn a living having to defend their baseless claims.
Product: Money transfer, virtual currency, or money service

Someone asked me for my cell number to zelle me a payment. I gave them the number I use and they sent the transaction. I received a text message saying a payment had been sent and to go to a link to accept it. 
When I try to register it, it says that XXXX voice numbers can not be registered. Calling the support number for zelle the person said that there is nothing that will be done and the unclaimed funds would eventually be returned to the sender. They couldn't give me the information on the sender and that there was nothing that could be done.
Product: Vehicle loan or lease

Audi XXXX XXXX have not paid the equity coming from the trade in, after one month of the lease of a new car. In addition to the previous, they have not delivered the license plates paid, and was forced to buy the window film and nitrogen for the tires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some fraudulent/inaccurate accounts appearing on my credit file and I need them removed immediately
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of XXXX XXXX  account number XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least XXXX  days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my Mortgage have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Ive just reviewed my credit report and have noticed there are several inaccurate items on my report : In addition, there are a number of credit accounts that have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed : XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX XXXX Acct : XXXX XXXX  Acct : XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX US DEPT OF ED/XXXX XXXX accounts
Product: Credit card

I received a Alphaeon Credit Card from Comenity Bank without any application/ request.
Product: Checking or savings account

Bank intentionally is delaying my deposits in collusion with law enforcement
Product: Student loan

I had XXXX student loans from XXXX on my credit report. I was contacted by someone named XXXX from their company in XX/XX/2014 telling me there was a new government program that would remove all the student loans from my credit if I successfully made 6 months of payments, as long as I email him stating that I would n't dispute the loans. I set up an autopay from my bank account to pay my loan and ended up speaking to them again, where they offered me a forbearance period. During this time, they sold my loans to Navient without me being aware. My autopay stopped paying my loans to the new lender and I ended up getting 6 months late on my credit report as a result. Since then, I 've fully paid off all my student loans and am in a terrible situation because I now have XXXX 6 month lates on my credit report.
Product: Debt collection

called cell phone ( without permission ) left message they were referring me to the legal to contact local officials. The name on caller Id is XXXX XXXX in XXXX. This number XXXX XXXX XXXX. The caller is really XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Bankruptcy on XX/XX/2012, Bankruptcy number is # XXXX. This chapter was dismissed by total discharge in Bankruptcy court, however it's still reflecting on my XXXX and Experian credit report. This item need to be deleted due to reporting incorrectly and removed permanently, and a new credit report and score should be issued reflecting this item was removed.
Product: Checking or savings account

I am a 19 year customer of Bank Of America, On XX/XX/XXXX my daughter accidentally made a purchase in the XX/XX/XXXX, at that time I frequently traveled on XXXX XXXX and our information was saved in the app. Immediately after she said mommy I made a mistake I called my bank and got on the XX/XX/XXXXbecause they only have chat customer service, I stated the tickets were purchased in error and because it was still pending I needed to wait until it posted, bank of America stated they would notate the error made by a minor and for me to contact them once the transaction posted to my account, the amount was {$230.00}. I called back as soon as it posted again explaining this was an error and I would not be flying anywhere in XX/XX/scrub> 2024. The claim was filed and I waited over two months for my money to be returned, I called Bank of America on four occasions to inquire, I called on the XXXX of XXXX, the XXXX of XXXX, I called again in XXXX, and once again at the beginning of XXXX, at the end of XXXX, a message was placed in the app that my claim was denied and closed and the reason was noted as an attachment, it was a picture of the receipt of purchase fromXX/XX/XXXXand that was it. The message the tickets were not cancelled. XX/XX/XXXX with no authorization to make purchases and I immediately contacted both the bank andXX/XX/XXXX stating that the purchase was an error and needed to be cancelled because XXXX only allows 24 hours and then you cant get your money back which I am aware of so that is why i frantically contacted them and my bank to have record of this. My bank is at fault in my opinion because there is no proof this purchase was valid, providing a receipt only two months later is all they needed to deny my claim after multiple calls. I feel robbed and do not trust my bank at all.
Product: Credit reporting or other personal consumer reports

I hope youre doing well! I wanted to share something that's been bothering me lately regarding my credit report. I recently checked it and found some inaccuracies that I need to address. 

There are several accounts listed that seem to be inconsistent, and its really confusing. Here are the accounts Im talking about : XXXXXXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX The problem is that theyre not reporting the information consistently. When I look at my credit profile, its clear that the details dont match up, which is super frustrating. This inconsistency could really affect my creditworthiness. 

I already wrote to the credit bureaus about these issues, but I havent heard back from them yet. Its been a bit of a hassle, and Im starting to get anxious about it. I just want to make sure everything is accurate!

I also referenced some sections of the Fair Credit Reporting Act ( FCRA ) in my complaint to support my case. Specifically, I mentioned : - **Section 609 ( 15 U.S.C. 1681g ) ** : This section requires the consumer reporting agency to provide consumers with the information in their file upon request.

- **Section 611 ( 15 U.S.C. 1681i ) ** : This gives consumers the right to dispute inaccurate information and request an investigation.

- **Section 605 ( 15 U.S.C. 1681c ) ** : This limits how long negative information can be reported, ensuring that inaccuracies are corrected promptly. 

Just wanted to vent a little and keep you in the loop. Please help if possible. 

Take care
Product: Credit card or prepaid card

I have spoken to multiple parties at 5/3rd regarding this and they have advised they have no way of disputing the unauthorized charge that has posted to my 5/3rd credit card account ending in XXXX. The charge relates to overdraft protection, a feature that is not referenced in the original terms associated with the account, and rather 5/3rd reports they added this to my checking account ending in XXXX at some point in time, though they can't tell me when this was added. They suggest I authorized the addition of this feature to my account however, they are unable to provide any evidence of this and suggested that I would have received a phone call requesting this authorization, a phone call they do not have a recording of. 

I never agreed to, nor did I authorize the bank to add this to my checking account, nor did I authorize them to bill my credit card without my authorization. 

I called to dispute this authorized charge which I did not make, however, 5/3rd advised that they do not have the ability to dispute their own charges. The representative I spoke with advised me that he would need to transfer me to the checking departments disputes team, however, when I spoke with the representative he transferred me to she wasn't able to offer any assistance other than confirming that I did not authorize the charge to my credit card and that 5/3rd did not have any authorization on file to add the overdraft protection to my checking account or to use my credit card as the source of funds. 

This is a charge that I did not make, nor did I authorize. 5/3rd can not hold me accountable for unauthorized charges to third parties, nor can it levy unauthorized charges to my credit card and attempt to hold me accountable for the charges.
Product: Prepaid card

I deposited a check using their American Express Serve mobile app on XXXX XXXX, 2015 and it said that the check will clear in XXXX business days. When I logged into my account on the XXXX business day the money was not available, I called American Express Serve to let them know the money was not available and the transferred me to a XXXX party company called XXXX. XXXX told me that the check was approved and it was up to American Express Serve to make the funds available. I called back American Express Serve to tell them what XXXX said to me and I got the run around, rude and sarcastic answers from the rep. I do n't understand why my money is not available to me since the check was cleared. I am counting on that money to put gas in my car to go to work and buy groceries now I am without money today.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX there were 4 unauthorized transactions amounting in {$1500.00}. The transactions were coming out of my new Credit Karma account. I contacted them and they advised me to contact the company that were taking the money out of the account. It turned out to be XXXX XXXX but I had no information to give them other than my name ( I dont have an account with them ) I opened 2 fraud cases with Credit Karma because the XXXX XXXX representative said it was my banks job to investigate and return my funds. Credit karma literally wrote back and asked me to email XXXX XXXX  and get an email stating they cant help. I had to transfer my remaining refund funds into my actual bank account. Im not sure what else to do. I havent even received a new card they just locked the one I have.
Product: Debt collection

HSBC sent me an email today telling me I had a statement ready to be viewed. I called HSBC and was told it was a savings account. When I called up I was told I had payment due in 8 days. They told me I owed {$2100.00} and there was nothing they could do for me.
Product: Checking or savings account

I would like to start by saying that this is the second incident of fraudulent activity on my checking account with Fifth third bank within the last 2 months. The incident in question was discovered on XX/XX/2022. I logged into my checking account to review my banking activity and noticed that there was a check cashed against my bank for {$1100.00} ( check # XXXX ). I immediately went to review my checkbook to determine wether this was a valid or fraudulent activity on my account and discovered there was no check written or signed by me for that amount. I also discovered, that a check with the same check number ( check # XXXX ) was made out to the XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/2022 for {$150.00} cashed on XX/XX/2022. In comparing the XXXX check ( original check ) and the fraudulent check, I discovered that the XXXX check did not match my check except for the check number, routing and account number. I immediately called the bank on Friday to discover that their fraud department was closed and instructed to go the a bank branch to file a fraud packet. On Monday, I went to the bank branch and filled out a fraud packet which in short, I was informed by corporate disputes that the packet that was given to me was incorrect. I filled out a new fraud packet and submitted said documents immediately. I was initially told that within XXXX business days they would have a resolution for me, yet 10 days came and went with no resolution. Since that 10 day period, I have spoken to numerous representatives and supervisors whom have repeatedly told me that it will be resolved within XXXX to XXXX business days. We are now without resolution going on XXXX month and 2 days.
Product: Debt collection

In XX/XX/XXXX, I settled a debt with XXXX XXXX. The debt was initially sold to XXXX XXXX XXXX, XXXX. I have received threatening phone calls regarding unpaid debt, and as it stands, this is the only account in collection ; a violation of FDCPA. I am to believe this debt collector has outsourced their call center from numbers not associated with the debt collector. Not only that, the debt has been re-aged and appears to have gone into collection in XX/XX/XXXX instead of XX/XX/XXXX. I am requesting the item be immediately removed as a result.
Product: Credit card or prepaid card

XXXX/FURN is reporting that we missed a payment but we did not. we paid extra the month before so when we got on to pay the payment the following month it said we did not have a payment due. When we got on the following month ( 3rd month ) it said we had missed a payment. We have never missed a payment. The account is current and should be removed from the credit history.
Product: Money transfer, virtual currency, or money service

Hello, I have a cash app account where I receive my XXXX  check. I make purchases from this account quite often. Cash app is telling me that there were three transactions from XXXX in the month of XX/XX/XXXX, where the funds were not deducted from my account. So on XX/XX/XXXX when I received my next check they took a bunch of my money and left me with {$3.00} with no warning that this happened. Until after I inquired where my money went. I asked to sent my statement, which they did. But the statement they send was so confusing. Authorizations, declines, captures that its almost impossible to track my transactions. Ive been going back and forth with them for almost three weeks. Then yesterday XX/XX/XXXX a friend sent {$50.00} to my account, and they took that as well saying there was another transaction. I was able to find the transaction they were talking about but according to my statement it was already paid. And they wont give my money back or listen to what I have to say. I asked to speak with a manager but they will only converse through email. And wont listen to my complaints, and their responses dont even make sense. And the more I look at my statements I am finding more and more charges that have been taken out twice. But they wont even hear it out. They always have an excuse or a reason on why I am wrong. But Im not Im looking right at it. According to XXXX there are multiple people with the same issues and cash app isnt returning anyones money. Im not sure what to do next. Im low income and that is a lot of money to me. I have attached a pic of the last amount they took from me, that according to my activity tab on cash app it was completed. So why are they taking the money again.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. P.s This is holding me back from getting a new job, funding and a NEW HOME FOR MY FAMILY Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint against the XXXXredit reporting agency Trans Union. Trans Union registered me for a credit report service without me requesting this service or even knowing about its existence. Since XX/XX/2017, they have been charging me {$19.00} monthly totaling {$430.00}. I recently discovered this unwanted charge on my card and have canceled this service. However, it was extremely difficult to cancel this service and took over one hour, as I could not find any place on their website to do so. I had to find external instructions from other people who were also registered unknowingly.
Product: Debt collection

In XXXX, 2014 I received a collection notice from Aargon Collection Agency ( XXXX XXXX XXXX, NV XXXX ) requesting payment for {$7900.00} for an alleged medical bill. 
I immediately responded back, via certified mail, requesting some form of documentation, financial acknowledgement or media. 
After careful review I noticed their was n't any social security number, treatment date or a breakdown of any services provided. 
I wrote back to the collection agency advising them to contact their client and have the account removed, because clearly this was n't my debt and I was never a patient at the facility in question. 
Recently, I pulled my credit profile and noticed the collection agency placed this balance on my credit report knowing they had the wrong person! 
Aargon Collection Agency has clearly violated FDCPA and FCRA and has placed inaccurate information on my credit report knowing they have the wrong person.