23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 and XX/XX/2022 payments made on time and forced insurance placed when insurance already placed since XXXX. Plus Remove the Loan Modification notice. Law [ 15 U.S.C. 1681 ] Reimbursement needed for DOUBLE insurance policy being paid.
Product: Credit reporting or other personal consumer reports

I closed a real-estate transaction using XXXX XXXX XXXX XXXX  ( XXXX ) as my mortgagee. My first payment towards this mortgage was dated for XX/XX/XXXX. I submitted this payment before it's due date. I received an email XX/XX/XXXXXXXX  from an ( XXXX  ) representative letting me know that they received my payment, but didn't have a loan number associated with the payment. I provide the loan number and I was told by representative XXXX, XXXX " the loan payment was applied today to your loan '' XX/XX/XXXX. My loan was then transferred XX/XX/XXXXXXXX  to XXXX XXXXXXXX XXXX ( XXXX ). After several months I noticed that XXXX updated my credit report stating a 30 day late payment XXXX, XXXX  which is the same month my loan/monthly payment was transferred to XXXX and subsequent charge offs XXXX and XX/XX/XXXX. I submitted a dispute with the two credit Bureau who were reporting this false information, being XXXX and Equifax. The credit bureaus " investigation '' came back validating the incorrect information. When I contacted both bureaus for proof validating the claim I was told they do not provide documentation regarding claims to consumers and I would have to contact the reporting company. I reached out to XXXX XXXX XXXX XXXX loan servicing department several times for proof substantiating their claim most recent on XX/XX/XXXX. The loan servicing department was unable to provide me with any documentation substantiating the claim. I compiled all conflicting information and opened another dispute with the credit bureaus citing all discrepancies found during my own investigation. The credit bureaus still deemed the information provided by the reporting company ( XXXX  ) as valid after their most recent " investigation '' XX/XX/XXXX. I have filed multiple disputes with both credit bureaus regarding the false reporting ranging from XXXX, providing the same proof that I have attached below proving the claim as false.
Product: Debt collection

I contacted Pinnacle Credit Services many times regarding the XXXX accounts but they still report balance although they said they closed it .I sent them id theft report and other paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted disputes to all 3 credit bureaus pertaining to XXXX XXXX. Per their last " investigation '' they came back as verified and updated that this account as no change. Per my credit reports, it shows that this was updated as recently as XXXX of XXXX. This is totally inaccurate. I had ZERO late payments in XXXX. They are also showing this on a closed account. With this reporting as recent as XX/XX/XXXX it now appears as a recent delinquency which has caused me undue financial hardship.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

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

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was reported 15 days late, even though I made the payment on time, and this is documented in my bank statements. 
There were clerical errors where my account was inaccurately flagged as overdue, but I provided evidence that no late payment was made, as shown in the attached payment confirmations. 
The inconsistency of payment dates across credit bureaus further demonstrates the inaccuracy and improper reporting of this account status. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX 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 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 that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX i received a copy of my credit report and seen i had some mistakes listed. i sent out 3 letters out to the credit bureaus stating there had wrong address listed. I have not heard or seen any results its been 30 days. I have not received anything in the mail or via email that it is even being investigated here is a copy of the letter as well as the tracking numbers to the certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received an email from Loan Me in XXXX, CA for Application for Credit Denial dated for XX/XX/2019 for a loan i never applied for. I immediately called them and said I never applied for credit with you guys last month, after speaking with the representative I asked to go back in his system on XX/XX/2019 and tell me what representative from Loan Me authorized my credit report to be pulled, assuming they would have that information, he declined and said his system doesn't show it. Their system doesn't show who was assisting the client on XX/XX/2019, are you kidding me? All the information is done over the phone and they can't tell you who you were speaking with or who was handling your personal information. Now I have another inquiry on my credit report for a loan I never applied for and Loan Me can't tell me who authorized to run my credit report on XX/XX/2019. Sounds like the representatives are running credit reports on people without getting there authorization to fill a quota requirement. I will be filing a police report today.
Product: Debt collection

SARMA Collections and XXXX XXXX XXXX. have never afforded me the proper notices of any kind. I have never been noticed or billed for the claimed debt. 
Furthermore, they both are claiming 4 charges to me as 4 individual accounts ( # XXXX for {$1600.00}, # XXXX for {$1500.00}, # XXXX for {$250.00} and # XXXX for {$370.00} ) all of which XXXX XXXX. XXXX. have since disclosed to me over the phone, as each being a drug, given during one XXXX. Said XXXX and hospital bills have been paid by insurance long ago. 
They waited from XX/XX/XXXX until XX/XX/XXXX to place these amount in Collections and post them on my Credit Reports. They have illegally posted their collection after 25 months without notice to me as per Texas Consumer Law. 
I never knew of said charges nor did I ever get notice of them before finding them on my three CRA reports in XX/XX/XXXX or so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to XXXX, Equifax and XXXX credit bureus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here are the list of account and Inquiries that are still reporting on my Credit Reports : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I disputed each account listed below 4 times with XXXX and Experian. They have failed to provide me with additional information and an original documentation i.e. contract with my signature listed on them. 

XXXX XXXX XXXX Amount : {$440.00} XXXX XXXX XXXX Amount {$480.00} XXXX XXXX XXXX/XXXX XXXX Amount {$440.00} XXXX XXXX XXXX XXXX Amount {$490.00}
Product: Debt collection

Debt went to collections in XX/XX/XXXX and they have it as being opened in XX/XX/XXXX
Product: Vehicle loan or lease

In XX/XX/2020 my lease with GM Financial ended. The leased vehicle was grounded at the local GM dealership on XX/XX/2020. In XX/XX/2020 I received notification from GM financial of the remaining balance due on the account. It included a grounding fee that I believed to be incorrect as the dealership indicated they would purchase the vehicle and I would not be charged a grounding fee. I worked with GM Financial and explained this issue and in XX/XX/2020 I was given a 30 day deferment on payment in order to work with the dealership and continually told that I could defer payment while I worked with GM Financial and the dealership to resolve the issue. However, due to the COVID-19 Pandemic, it was impossible to discuss this with someone at the dealership and I was not able to reach anyone by phone. In XX/XX/2020 I spoke with the agent explaining the issues. I indicated that I would be mailing an initial payment soon thereafter and then setting up recurring payments to take care of the balance within the 12-month repayment window. In XXXX, I was notified by a credit monitoring service of a late payment on my credit. I immediately called GM Financial and was told by the representative that GM did not issue a late payment flag on my credit. I left it at that and continued to make payments, paying off the full balance in XX/XX/2020. I contacted GM Financial on XX/XX/2020 to try and resolve the issue and have the late payment flag removed, however, the agents indicated that they could not do this as the payment was late. The request was made to GM Financial on the grounds that there was significant confusion by the representatives based on the deferments and the fees charged and who the responsible party was for those fees ; the fact that a global pandemic had resulted in closure of most businesses and the inability to discuss this issue with the dealership in a timely manner ; financial impacts to my family due to reduced income ; a clean payment history for the life of the lease ; and the complete payment of all charges and closure of the account. I believe it to be unjust to flag my account with a late payment given all of these factors and I believe GM Financial to be in the wrong given the confusing and misleading information that was provided to me despite my continued effort to work with them and provide them accurate and timely information. I believe that GM Financials predatory nature during a time of global financial instability and their poor training for customer service representatives led to the confusion that resulted in a late payment.
Product: Debt collection

This debt was added to my credit report in XXXX of XXXX : LVNV FUNDING LLC Last reported XX/XX/XXXX {$2600.00} Open balance I never received a notice regarding this debt before it was added to my credit report. I received a letter from this company several months after they already added the debt to my credit report. I do not owe this debt to this company. This debt was last reported in XXXX of XXXX.
Product: Debt collection

This company has called me every day for the last week I've called every day right after and explained to them that I am not the owner of the set in and not in contact with the owner of this debt. I've also explained to them my wishes to be removed from this list. This was confirmed every single day but the following day I was called again. Today I called and before I could even respond I was called a XXXX, a XXXX and the caller refused to give me their information so that I can report it here he stood on the call mocking me calling me XXXX and XXXX over and over. This behavior is unwarranted as I am not the responsible party for this owner I'm not in contact with the responsible party for this debt. I was confirmed each time I called that my number would be removed it has not happened I do not wish to be subjected to any kind of bullish behavior for it that I don't owe. I spoke to Miss XXXX yesterday She confirmed that my information was noted to be removed but not taken off She removed it yesterday but today I was contacted again and called a XXXX and a XXXX. 

I I explained to the young man that I was recording all of this as it was exceedingly unprofessional rude and a bit threatening. The young man acknowledged the recording I have this for proof if needed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with WELLS FARGO HOME MOR, XXXX, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, WELLS FARGO HOME MOR, XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Debt collection

On XX/XX/scrub>XXXX XXXX XXXX   I made a debt settlement payment of {$2100.00} through XXXX XXXX XXXX to XXXXCiti . I was informed by XXXX XXXX that this was a settlement that XXXX and Citi agreed upon and would clear any other amount I owed. XXXX XXXX XXXX uses XXXX XXXX XXXX to make payments. 

1 ) XXXX XXXX has never provided me with written information on any of the settlements I have completed. 
2 ) XXXX says they returned my account to Citi on XX/XX/year> and do not show a settlement payment. 
3 ) Citi recovery department says they haven't received a payment since XX/XX/year>. 
4 ) I have not received any paperwork from XXXX nor from CITI the entire time I have been in dispute and or settlement with them. 

The payment was made, money was taken out of my account, and not one of these companies is taking responsibility to post this money. Fuerthermore, XXXX XXXX XXXX owes me a refund of {$1200.00} per the case manager I have spoken with. Finally, XXXX XXXX XXXX does not return my phone calls nor do they return my email requests to speak.
Product: Credit card or prepaid card

When trying to set up my XXXX bank account for payments, Citi charged me a {$29.00} fee claiming that Citi IT system failed to connect with XXXX  IT system and that my payment was therefore flagged as return by Citi IT system. Therefore I was responsible for paying this fee because the option to reverse this fee is not available in Citi IT system.
Product: Credit card or prepaid card

I have never been late on this account until this past month, XXXX 2017. I have had the card for at least 5 years, maybe 7. The payment issue was due to a Capital One system issue where it automatically linked a new checking I 'd opened with their XXXX XXXX group. Upon resetting my autopay, the XXXX checking ( there was little description of what checking account ) was chosen as the payment account verses choosing the XXXX checking that has been linked to the card payments all along. 

The XX/XX/XXXX payment bounced a couple of times. I kept resending it as I was baffled by the return. I called XXXX and nothing was hitting their systems. I called Capital One and after much research ( it was n't clear to them either at first ), we determined the mis-linked account. At this point the payment was not 30 days late and she informed me nothing would be wrong with the account-she even refunded the {$15.00} late fee as a curtesy. I immediately instructed her to debit XXXX for the full card balance that day. The card had a {$0.00} balance ; it now has a negative {$15.00} balance. 

Subsequently the card stopped working, no notice from Capital One. No calls, no emails. I had to call in to work out they 'd cancelled the card! It is a secure card I set up many years ago, so they have my deposit. They also told me I 'd have to re-apply for a card. 

By cancelling the card, Capital One has impacted me in 3 ways : 1 ) Where 's the large deposit plus account balance of - {$15.00} going to go? The chat agent said it would be refunded, but not sure if this is the case. 
2 ) The credit report will read " closed by credit grantor '' which is negative and awful vs " closed by consumer ''. I 'll have to spend my lack of time fighting that now.

3 ) I 've lost one of the oldest lines of credit which helps my FICO and I 've never had a late payment. 

I find this whole experience to be a way for Capital One to quickly secure my deposit for their bottom line and it 's wrong. The lack of communication is flat out incomprehensible.
Product: Credit reporting

Account is not mine. I disagree with the investigation. XXXX and XXXX both deleted this account. What information does Equifax have that XXXX and XXXX do not? If you have this information, please share. Thank you.
Product: Checking or savings account

I have opened savings account in response to Citi offer to deposit $ XXXX to the savings account and receive the {$700.00} reward. I have deposited the funds however Citi closed my account originally because their branch in FL sent documentation with the check into the wrong department. Citi cashed the check but lost rest of the documents therefore allowing deadline to pass. 

An addition, Citi fraudulently charged me {$30.00} service fee each month while I complained with requirement to deposit $ XXXX to avoid service fees, monthly {$30.00} fraudulent fee which lowered my balance each months. 

I addressed this issue with Citi multiple times with no avail. 

I need all fees refunded promptly.
Product: Credit card or prepaid card

CAPITAL ONE IS NOT REPORTING TO CREDIT BUREAUS AND IS RUNNING MY CREDIT BY REPORTING WEEKS LATER!! They will inform the bureaus immediately if i miss one payment, but when I make a payment early/on time, CAPITAL ONE will not update my payments for up to one month OR MORE!! 

I paid my credit card balance precisely one week ago and I also completed two separate payments to the exact same credit card. All of my payments have been deducted from my bank account and have posted to my bank account as well. The problem is that I called capital one about updating my available balance and was given an ultimatum. It has never taken more than 2 days to update. I have made and posted 3 separate payments to this credit card and the balance is {$1.00} but my available credit is {$0.00} and it has been that way for a week now. I believe that I was targeted by the senior account manager due to their extreme rudeness and me, clearly informing them that they are not helpful whatsoever and that my problem was not addressed or merely resolved. How can capital one just take our money and hold it hostage. 

This is directly ruining my credit score due to the fact that they are not reporting on time. This credit card is completely useless and it has only made my credit score drop by over 100 points. They only ruin my life and credit instead of helping make it better. I wish this company could be brought to justice!!!!!!!
Product: Credit card or prepaid card

Chase Bank online website states that they are able to waive the fee for a new chase slate credit card for a balance transfer IF the original credit card was with chase bank. Yesterday ( XX/XX/2023 ), I went to the Chase Branch at XXXX XXXX in XXXX, Oklahoma so I could complete a balance transfer from one credit card to another in order to pay off some debt that I have accrued. They assured me that this was feasible so I opened up the credit card and attempted the balance transfer. They said it was approved and that I would be able to see the transfer within a few days. Today ( XX/XX/2023 ), I received a phone call from the woman who helped me yesterday stating that Chase bank can not accept balance transfers from an original chase credit card which was completely different from yesterdays conversation and the information that their website states. This is a major issue as it will likely affect my credit report, as I will have to close the new credit card. A reputable bank such as Chase bank should absolutely never market these lies, and have their employees state this, and then a day later after the credit card has been approved state that they are not able to do what they originally intended.
Product: Checking or savings account

Capitall One sent an offer entitled " 360 Money Market ''. It offered an interest rate of 1.60 % APY with up to {$500.00} in bonus cash. The account is referred to as " 360 Money Market '' in five different places on the written offer. It also has a quote by a Money Market customer saying, " Great Interest rate, super easy website to navigate, easy to open, EASY TO MOVE MONEY ''.

When I went to a Capitall One Bank to open the account, I was told that it had to be a paperless account. Next, I was told there would be no way to designate a beneficiary until at least the end of the summer. When I asked if I would be able to write checks on it since it was entitled " MONEY MARKET '', I was told NO. I was further told that it is a savings account and NOT A MONEY MARKET!!!

To me, this is outright intentional deception.