23daVinci/CFPB_Complaints huggingface dataset:
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 severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( 30-90 days ) 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: Checking or savings account

I purchased a XXXX tree on XX/XX/XXXX for XXXX and was scammed. I immediately reported this to my back PNC. On XX/XX/XXXX my card was compromised again from a company power tool bases for three separate transactions for {$220.00}, {$210.00} and {$370.00}. I then immediately change my bank information and put in a claim. I called the XXXX XXXX XXXX XXXX at XXXX. The company representative stated she already fielded 30 calls today about people getting scammed and I should make a fraud report with my bank. PNC Fraud unit then investigate and denied my claim stating my purchase was valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently synchrony bank purchased XXXX from XXXX. I set up a payment .... which was paid and not late .... synchrony reported the account late WHICH WAS NOT THE CASE AND THEY BILLED ME LIKE TRIPLE MY MONTHLY PAYMENTS .... when i called i was told nothing can be done even though it was their overtire from the transition from XXXX  to synchrony ... ..i have had this account for almost three years and never late ... .the rep for synchrony didnt even give the right information ... i basically told her more than she knew ... ...
Product: Credit reporting or other personal consumer reports

I think FCRA 605B requires us to eliminate any erroneous accounts from my credit report. Would you mind checking the documents? Some of the accounts listed are inaccurate in their reporting, with incorrect amounts and dates being reported.
Product: Mortgage

Began buying our home in XX/XX/XXXX using Automatic Monthly Mortgage payments via our XXXX XXXX Acct. Home Plaza Mortgage Company began pulling EXCESS payments from our account! They failed to notify us that they were doing so! On XXXX XXXX, XXXX, I discovered these discrepancies, called Home Plaza and was told these were not excessive charges. Calling back on XXXX XXXX XXXX, the staff person acknowledged there appeared to be excessive charges from Plaza, I was told that I would not have to pay our mortgage for several months. I informed them that we want the excessive charges returned to us instead and was told that would be more difficult. I asked for a Supervisor, reaching XXXX XXXX. who advised us to fax a letter stating the above issue and we will receive a reimbursement check within 5-7 days after our fax is recieved. 

My husband XXXX and I do lack trust in this mortgage company now and would greatly appreciate your office looking over our account with Plaza Home Mortgage. 

Additionally we have concerns that the Hazard Insurance that Plaza pulls from our account may also be redundant as well. We believed that our insurance was rolled into our mortgage payments already. 

Thank you in advance for you assistance and protection!! 

Warm regards, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reached out to this company multiple times asking if they can please provide me with accurate information validating the debt, which they did not provide, but the credit company is still verifying this debt as mine, which it is not I did not sign a contract with this company. I also asked if they can show me proof regarding this contract with the company and they can not provide it, and I noticed that you guys sued XXXX and a couple of the credit agencies for not accurately investigating! I would like to inform you that they are inaccurately investigating items on my credit file! I made a dispute with them and 2 to 3 days later they say its verified!
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to Equifax 's failure to properly reinvestigate and verify information associated with the XXXX account. Equifax has shown inadequate compliance with Section 611 of the Fair Credit Reporting Act ( FCRA ), affecting my credit profile negatively through significant errors and unverified information. This failure to accurately report has led to multiple discrepancies, as detailed below : Account Number : Multiple variations reported, indicating inaccuracy. 
Date Opened : Inconsistent dates reported.

High Credit : Discrepancies in reported high credit amounts.

Credit Limit : Incorrect credit limit data.

Payment Status : Conflicting information on days reported late.

Last Reported Date : Inconsistent dates reported.

Date Last Active : Mismatched reporting.

Date of Last Payment : Variations in the reported dates.

These inconsistencies are violations of my rights under FCRA, and Equifax has failed to respond adequately to my request for a reinvestigation. I am legally entitled to receive a thorough description of the verification procedures employed, as well as the names, addresses, and phone numbers of any parties contacted in the verification process.

Specific Requests I demand that Equifax immediately provide : A full, detailed description of the procedures used to verify this accounts accuracy within 15 days of completing the reinvestigation, as mandated by Section 611 of the FCRA.

The name, address, and telephone number of each person contacted regarding this account, as stipulated in Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the FCRA.

A copy of any document bearing my signature proving a legal obligation for the exact amount claimed, in accordance with Section 609 ( a ) ( 1 ) of the FCRA.

7. Final Warning Any automated response or verification conducted solely through XXXX  will be unacceptable. If Equifax continues to evade my rights and fails to provide a satisfactory response within 30 days, I will pursue additional legal actions. Equifax is reminded that, as established in XXXX XXXX XXXX XXXX XXXX, they may be held liable for any willful non-compliance with the FCRA. 
Sincerely, XXXX XXXX
Product: Bank account or service

I checked my Bank of America account today and noticed that my account has been charged {$48.00} in XXXX installments since XXXX. I was never notified. I called the account services and they were rude and unhelpful. It is my money, I should be notified before any deductions are made on the account even if policies change. I have had the account for over XXXX years and now starting from XXXX, I have been charged {$12.00} XXXX for maintenance fees. I feel this is rubbing me of my money without notifying me. I will need my money back.
Product: Credit reporting or other personal consumer reports

My loans from XXXX were paid off in XX/XX/XXXX and they are still showing with an open balance on my credit reports. The last time they updated was XX/XX/XXXX. 

The current wait time to call them is over XXXX hours.
Product: Credit card

While contacting Barclays to activate my rewards, the IVR stated that I had a payment due. Knowing that I had a payment posted today, I contacted their customer service at XXXX. The first man I spoke to informed me that they had not yet posted my payment and that it would take 2 business days to post. I asked if they would be effective dating the payment and he said no. I asked him if he was sure because they are required post my payment with the effective date as of when they receive my money. He again said no. He said their policy was 2 business days. I told him that they can not continue to charge me or any other customer interest if they already have my money. I asked to speak to a supervisor. After waiting on hold for XXXX, his Supervisor XXXX got on the phone. I asked her the same question, since you received my money today, XXXX/XXXX/16, will you be effective dating my payment. She too said no, that their policy was that it would not be posted for 2 business days. I again said that that is not right. You have my money and you can not charge me interest from today XXXX ( Friday ) until two business days next week ( Tuesday. ) I told her that is not acceptable and that I would be filing a complaint on the CFPB website. She told me to call back in two business days to verify the money was received. I told her I know the money was received by Barclays. I have a mobile confirmation and my bank also confirmed. She tried to say that my bank had not yet sent the money which was not accurate. She said that if I paid it on the Barclay 's website I would have received credit today but since I sent the funds electronically from my bank, it would take 2 business days. I told her that is not fair and they are still obligated to effective date my payment today XXXX/XXXX/16 regardless of when they post it because they had my money today. I have confirmation the money was received by Barclays today XXXX/XXXX/16 and it was not posted to my account. When I called my bank, they said this was not the first complaint that they have had about Barclays. I would like a full audit of my account and an interest credit from Barclays for every payment that they have held my funds for two business days. I would also like interest on the interest that I was overcharged. I would like all prior payments effective dated the day they received my money.
Product: Credit card or prepaid card

I believe that I am a victim of DISCOVER Banks unfair actions and they have caused me great harm. I also believe that they are causing harm to other people as well and will continue to fight for justice and our consumer rights. All of a sudden abruptly in XX/XX/2021, my DISCOVER credit card ending in XXXX was closed because of a subpoena for legal action pending from a lawsuit where I was named as one of the defendants in a fraud investigation because of my doing business with the main target XXXX XXXX XXXX. That company has now pleaded guilty of all charges and accusations against them. I humbly requested help for DISCOVER to reconsider my accounts being reinstated. I have attached documentation from the Department of Justice identifying me and my company as a victim in this fraud case. I am not guilty, and have not been convicted of any crime. 

Ive always paid, on time, and feel that the features and benefits of these cards are highly beneficial. I am looking forward to resolving this as I truly value being a DISCOVER member and would be honored to continue to prove my value as a reliable customer to use even more products in the future. I have been a loyal DISCOVER cardholder for many years, and use it a lot monthly for my personal and business expenses for working capital that my business relies on to operate. I have never been late paying them. 

Based on these facts, If my account is not reinstated, I, the Claimant, seek damages according to applicable law, including but not limited to the loss of business operations and potential earnings because of this abrupt, untimely, and wrongful account closure. This has caused Claimants credit score to drop significantly from an Excellent to Poor rating with denials of credit and loan applications. Claimant seeks to recover its reasonable fees and costs incurred in this legal proceeding and for such other and further relief as may deem just and proper.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using anEOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

XX/XX/2018- XXXX XXXX in the amount of XXXX this debt is not mine. I have disputed it
Product: Mortgage

XXXX XXXX  solicited and encouraged me to enter into a hardship plan during the Covid-19 Pandemic, offering a 3 moth deferred payment plan, with the promise of a loan modification or deferral of past due amounts to end of the loan. A month after accepting the offer they transferred the account to Shellpoint Mortgage Company. Shellpoint claimed to be unaware of any hardship plan with XXXX, added phantom legal fees and immediately threatened foreclosure. During this same time span my voicemail accounts have been flooded by people looking to purchase the property, undoubtedly companies who are complicit with XXXX XXXX   and Shellpoint Mortgage. Someone needs to look into how many homes has been loss at the hands of these companies,
Product: Credit reporting, credit repair services, or other personal consumer reports

Balance was paid and still not showing the updated correct balance
Product: Checking or savings account

On XX/XX/2018 my PNC account XXXX was overdrawn by {$.00} ( XXXX XXXX cents ). I was subsequently charged {$280.00} in overdraft fees despite depositing {$600.00} on XX/XX/18. Among other things I was charged an overdraft fee of {$36.00} for a {$14.00} fee charged by the bank itself. 
I tried to e-mail the head of the bank but since their is no e-mail address on PNC 's website, there is way to address my complaints about this matter.
Product: Checking or savings account

I attempted to apply for a bank account, and I was advised I was unable to get an account because I was in XXXX and XXXX XXXX. I was told how to obtain my consumer disclosure reports. While reviewing the reports, I realized I was a victim of identity theft with Bank of America and XXXX XXXX. I also was advised to send them an XXXX report in connection with the identity theft that I've been a victim of. I lost my identification and just ordered a new driver 's license and social security card in XX/XX/2020, not realizing someone would find it and use it to gain access to my life. Please assist with the removal of this erroneous and untrue information that I am a victim of. It is truly detrimental to the growth and lifestyle I am trying to maintain for myself and my child. Thank you.
Product: Debt collection

There was a XXXX bill with my name on it even though I do not believe the bill is mine I disputed it with all three credit bureaus and XXXX  took it off but the other two credit bureaus left it on there even after it came out of dispute I called and asked waypoint XXXX XXXX to remove it and they wanted me to pay the bill anyway even tho it was removed from XXXX..I also said if theres a way for them to remove it or send me a letter stating theyll remove it if I paid it just so I can get it off my report and the young lady I spoke with hung up on me and I still have it on my record..and with it being on there its hurting my score making it difficult to obtain mortgage financing the bill is only {$84.00} and I would like to get it removed ASAP so I can get mortgage financing
Product: Bank account or service

On XX/XX/2016 I went into a TD bank to sign for a line of credit and was forced into opening a checking account. I informed the banker XXXX XXXX that I do not need another checking account and that I wold not use it. XXXX continued to tell me that I need to establish a checking account to get the line of credit. He also stated that I have a overdraft line of credit and that it was mandatory. I informed him that I did not have the overdraft line of credit and when I spoke with the associate to set up the loan closing I informed them that I did not want to open an account. XXXX was extremely unethical when forcing products on me with misleading information. On XX/XX/2016 I spoke to XXXX XXXX from the TD Bank loan department and had my suspicions confirmed. XXXX XXXX had me open a checking account for his gain and this is unacceptable.
Product: Mortgage

XXXX XXXX XXXX informed me that my mortgage was being transferred effective XX/XX/year>, and they could not accept any more payments after that date. I made my XXXX payment to XXXX prior to that date, it was received and processed by XXXX which left my account paid up to date. My next payment should have been due in XXXX. I contacted XXXX several times asking how and where to make my upcoming payments. They advised me that the new mortgage company would contact me with that information, that it was common for delays during mortgage transfers, and that I would have an extended grace period because of that. On XX/XX/year> I received the first communication from Shellpoint Mortgage. It was a packet containing a regulatory notice, claiming that I was behind on my payments by {$2500.00}. My monthly payment is {$1200.00}. So I have no idea where they came up with that number. It contained intimidating verbiage about foreclosure and Shellpoints rights to foreclose. It contained no information about how to make a payment, and no confirmation of the terms of the loan, which they can not legally change anyways. I believe they are intentionally trying to create a late payment status by manipulating my ability to make a timely payment on my mortgage account. The fact that I didnt receive any type of communication from Shellpoint until 18 days after my payment is normally due, and I still dont know how to make a payment because they have not provided that information, is what I believe to be mortgage servicing abuse. Now XXXX has closed my account so XXXX cant even ask them for assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enclosed you will find two letters : 1. XXXX XXXX Security Freeze Confirmation Letter f 2. Letter from the Courts stating they do not give information to credit bureaus. 

I have written the courts asking if they submit public information to the credit bureaus. They said they didn't and sent me a letter confirming they don't. 

I then contacted XXXX XXXX and the other data-mining companies asking for a FREEZE on my accounts too. They all sent letters back confirming FREEZES. 

I disputed this with XXXX XXXX and they confirmed account has a FREEZE on it. 

My credit report is still showing a Bankruptcy on all three credit bureaus. Where are they getting the information? 

I've asked them all to remove this bankruptcy that was dismissed. I've done all my work : Contacted Courts in South Carolina, I've FROZEN my account with XXXX XXXX and the others. 

Please verify how the Credit Bureaus are still reporting this. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. XXXX {$1200.00} XXXX {$590.00} XXXX {$2400.00} XXXX {$520.00} XXXX {$130.00} XXXX {$130.00} XXXX {$490.00} USDEPEDXXXX {$7400.00} XXXX USDEPEDXXXX  {$2100.00} XXXX {$60.00} USDEPEDXXXX {$9500.00} FEDLOANXXXX {$3500.00} FEDLAON XXXX {$5500.00} XXXX {$18000.00}
Product: Vehicle loan or lease

I bought a   XXXX    XXXX   XXXX  brand new Monday  XXXX   XXXX  off of the   XXXX    XXXX  lot in  XXXX  pa. 4 days later   XXXX   XXXX   XXXX     shortly after fueling the car for the first time the transmission light came on and vehicle stalled on the side  of the road. I called road  side assistance to have the car towed back to the dealership. I attempted contact the dealership while I waited on the tow truck and received terrible customer service. By the time I was connected to  2 diff erent men who claimed to be be the only managers available, I complained that I am upset about receiving a  lemon  vehicle and due to the service I did not want the vehicle. The man who claimed to be a manager offered a loaner car and I inquired if I cld return the vehicle. He said returning the vehicle was not an option for which I replied why not. I advised that I was a licensed mortgage originator and have  10  plus years in the banking industry and know for a fact that I can return the car within a certain time frame due to it being a lemon. He responded that cars are different and proceeded to quote more inaccuracies at which time I ended the call and waited on the tow truck so that I can speak with him in person. I feel this dealership is trying to take advantage of me and possibly take advantage of many people who do n't know their rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB compalint to you today to order the Credit Bureaus to update and correct the dispute accounts and infomration that are erroneously rep [ orting on my Credit reprort! I have been sending multiple lettes requesting that the Credit Bureaus reinvestigate the disputed accounts from my credit report as well as place temporarily remove or update these items from my report during the investigation period. As of this date, you have failed to respond to my request. Again, please reinvestigate if the following items are inaccurate, incomplete and outdated. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance {$0.00} Date Opened XX/XX/2014 XXXXXXXX XXXX  XXXX XXXX Balance {$8600.00} Date Opened XX/XX/2014 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm sorry to keep bothering the CFPB with all my credit problems, but being XXXX XXXX XXXX XXXX XXXX and XXXX XXXX I have no choice. I call the credit bureaus and they get frustrated with my XXXX, and my writing looks like chicken scratch.everytime I look at my credit report I find more and more wrong.i found a reaged account in my old XXXX XXXX account with experian.i do n't want to wait any longer than I have to to put this ordeal behind me.