23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Shellpoint has charged a late fee that I feel was wrongly imposed and they stated they are unable to reverse it. Customer service told me they the ability to waive the late fee had I already not made a subsequent payment but because I made the next months payment, the late fee was already applied and they can not credit my account. 

The mortgage payment for XX/XX/XXXX went up by {$83.00}. I never received the notice of the increase payment, although their records show that it was sent to me. Anyhow, I made the XXXX payment ( via my automatic bank pay ) of the old amount. Because there was a deficiency, of {$83.00} Shellpoint imposed a late fee of {$20.00}. 

The late fee notice is dated XX/XX/XXXX but since I was out of town I did not get the notice until XX/XX/XXXX. Since the XXXX payment was now due, I went ahead and made sure to submit a timely sufficient XXXX payment and believing I could contest the late fee after. 

I called Shellpoint after the XXXX payment was received to challenge the imposition of the late fee. The customer service rep explained that he did not have the technical capability to reverse the fee. He informed if I called before I made the XXXX payment he could have waived it. 

First, I believe I should not have been imposed the fee due to not having received notice, and the amount of the deficiency balance. 

Second, the imposition of the full amount of a late fee- {$20.00}- declared owed due to a deficiency of {$83.00} on the account is wrong/disproportionate. The late fee amount is what is supposedly stated in the mortgage note and is the full late fee regardless of what the amount owed. To me this is highly unfair and deceptive. 

Third, the inability of the customer service rep to remedy the situation due to payment and timing is unfair and illogical. 

Fourth, the rep did provide a means to snail mail submit an appeal or to fax, which I may still try to do, but they should have an electronic means to submit such things. Going through the extra steps of write, print and snail mail/fax is burdensome compared to the {$20.00} fee in dispute.
Product: Credit card or prepaid card

I have a Upgrade card line of credit # XXXX and the other day I tried to make a purchase only to receive a letter that I was not able to make a draw because they were not able to verify my identification. I am really concerned because I submitted the documents including a picture of myself and my Identification along with verification to my bank and income verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment updated from my account within 15 days, I'm not aware of this, Under USC 1666b. See the documents attached. 
JPMCB CARD XXXX Date opened XX/XX/2016 Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just found out about this on my report about two weeks ago and didnt really know what to do about it the account says open on XX/XX/2019 in the amount recorded on my credit report says {$230.00}. Now I have no knowledge of the company or services rendered. So after i noticed this on my report i began looking for my SS card which i have now noticed is also missing. After coming to this website i will be contacting the company in question but i also wanted to file a complant for identity theft as well because I truly believe that is what is going on with this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - PAY TO DELETE ARRANGMENT - BUREAU WILL NOT REMOVER PER ATTACHED LETTER. LETTER HAS BEEN NOTARIZED FOR COURT PROCEEDINGS. DISPUTE WAS SENT BY CERTIFIED MAIL.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the late payments reported on the accounts. I wasn't late on the month which credit bureaus report..How can an account be a charge off with balance? This is ridiculous.. Please fix the accounts and update it the correct status on XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX My credit was pulled with my permission.
Product: Credit card

Discover card was paid almost 2 years ago and they continue to update monthly and damage my credit. It is affecting my financing and they are in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX and transunion XXXX keep reporting accounts that should be erased due to the fact that they did not validate there claim that that stated i owed, this has caused me lost of hard XXXX an cause me to not be able to get housing for me and my family i ask that these be removed off my report asap XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$62.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX, XXXX XXXX {$200.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$59.00} XXXX XX/XX/XXXX XXXX {$280.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX, XXXX XXXX {$390.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX, XXXX XXXX XXXX {$60.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to all 3 credit bureaus- Equifax XXXX XXXX XXXX and XXXX disputing this Account with ( XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. 

This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX  ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX  Account # XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. XXXX Account # XXXX. XXXX Account # XXXX, and 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX  in regard to this issue but they have disregarded my claim I don't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the investigation, on XX/XX/2022 i was told the two accounts mentioned are not listed on the credit report and all other accounts have been verified. This was false, I listed all accounts with inaccuracies being reported. Refer to the documents attached which shows proof of my complaint. I have not been given a fair and accurate investigation. 

This includes the date last active, the open date, two year payment history, last payment date, and the date last reported. I feel like my rights was violated and i didn't receive a fair investigation. This has cause me so much hardship and stress.

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I have not given these accounts written permission to furnish these accounts on my credit report.

Please refer to accounts listed on the documents provided.
Product: Checking or savings account

Please refer all my complaints about Keybank : XXXX XX/XX/XXXX  XXXX XX/XX/XXXX  XXXX XX/XX/XXXX   XXXX XX/XX/XXXX  XXXX XX/XX/XXXX  XXXX XX/XX/XXXX  I had a checking and savings bank account with Laurel road bank. It's Keybank. I have my salary direct deposit in this account. Since XXXX XX/XX/XXXX  I am not able to access this account. Whenever i tried to login I am getting this message : This is the message I am getting Your Online Banking account is restricted. To verify your identity and gain access, please call us at XXXX or TDD/TTY XXXX that i need to call the bank. 
Laurel road bank is strictly an online bank so I can not go to some branch to do these transactions. 

Today I got this letter from Keybank stating that they had charged {$20.00} overdraft fees into my account. Any reasonable person can understand that if the customer is not having any online access how come they can address these kind of issues - overdraft fees etc... Moreover Laurel Road Keybank is strictly online bank - so i can not go to some bank branch and do this work. 

I want my {$20.00} overdraft fees to be returned back to me.
Product: Credit reporting or other personal consumer reports

I pulled my credit report on XXXX, XXXX XXXX, and I notice there is a charge off on my credit report. for being reported by XXXX, XXXX, and Experian First, I notice inconsistent information as it relates to the account. The date of last activity on this account, XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, However the Last reported date is reporting as XX/XX/XXXX. This indicates some re-againg or manipulation of the dates which would violate FCRA 15 U.S.C 1681s-2 ( a ) ( 3 ) - ( a ) ( 4 ) which prohibits furnishers from re-aging a debt to extend the reporting period, and falsely representing the date amount or status of the debt.
Product: Debt collection

Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified mine, please correct status or delete them from the credit file : COLLECTIONS XXXX {$990.00} not mine XXXX {$100.00} not mine XXXX XXXX {$1400.00} not mine PUBLIC FILINGS BANKRUPTCY : DISCHARGED CH-XXXX XXXX not mine Identification already on file, please notice your internal notes. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.
Product: Debt collection

Starting XX/XX/year> I have received multiple phone calls and voice mails, about XXXX calls a month from Genesis Debt collector just saying I need to call them back. I never did because I thought it was spam calls. I just applied for a personal loan with my bank and they said no because there is a charge off on my credit report from Genesis Credit Management companyXXXX for {$3700.00}. I rented an apartment complex in XXXXXXXX XXXX called XXXX  XXXX so I have to imagine they are claiming owe something toward that apartment. When I moved out of the apartment there was no balance and I have never received any documentation stating I owed any balance to them. Ive only received phone calls from Genesis and now its reflecting on my credit report which wont allow me to get a personal loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a credit dispute with several credit reporting agencies regarding errors on my credit report I have submitted several disputes and sent documentation to the bureaus and requesting them to provide me with documentation showing proof that the negative accounts reporting on my credit report are valid. I submitted a dispute on XX/XX/2019, XX/XX/2019 and XX/XX/2019 to XXXX, XXXX and Transunion. None of the bureaus did a fair and reasonable investigation, instead choosing to do an automated verification through the computer system. 

They are reporting a negative account of {$400.00} and an account of {$250.00} on my credit report and refuse to give me any supporting documentation to prove these debts and this is affecting my ability to obtain credit, get better employment, my financial goals and the ability to start a business. I disputed the accounts directly with the two creditors and one sent me a letter stating they are not obligated to show me proof which is a violation of my FCRA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no relationship with XXXX XXXX XXXX that is reporting on my credit report. It's been over 2 years and I still have zero information about this company, or any proof of this collection. If no one can provide me with any information, it needs to be removed immediately. 
I have also paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not owe them ANYTHING, they got upset I moved to XXXX XXXX and dropped their service and tried to over charge me. Remove the account immediately. I have told Transunion about this a several times over the last 7 months. Stop with the negligence or I will pursue this legally in court.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I affirm that no overdues were made under these accounts. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Product: Credit reporting or other personal consumer reports

This isnt my debt I have no proof that it is mine ie color ID photo and would like removed from my report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/2024 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Credit Reporting Dear Equifax Customer Service, I am writing to formally dispute the accuracy of information being reported on my credit file, as per my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I have identified an account that is being inaccurately reported, which includes an address and name that do not correspond with my Driver 's License or rental agreement.

According to 15 U.S. Code 1681, consumer reporting agencies are required to conduct a fair and reasonable investigation upon receiving a written dispute. Inaccurate credit reporting not only undermines my creditworthiness but also violates my rights as a consumer. 

I request that you investigate this matter promptly and remove the inaccurate account from my credit report. Please find attached any supporting documentation that verifies my claim, including copies of my Driver 's License and rental agreement. 

I am looking forward to your swift response and resolution of this matter. If you require any further information or documentation, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your attention to this important matter. 

Sincerely CFPB PLEASE REVIEW FOR VIOLATIONS
Product: Credit card

On XX/XX/year> I opened a new line of credit when I applied for a store card account at Guitar Center/ Synchrony Bank XXXX This account would be for personal & house hold use, so I was fully aware I was entering into a " Consumer Credit '' transaction. Synchrony Bank would be the " Creditor, '' and I would be the " Original Creditor. '' My application was accepted for a new line starting at {$2000.00}. I made a store purchase on the same day and waited for the bill in the mail. XX/XX/year>, I mailed to their CFO 1. My Power Of Attorney, 2. Notice Of Claim To Interest ( tender payment letter ), 3. Transferred the bill ( Bill Of Exchange ) with a restrictive endorsement and stamp, and Accepted the positive balance as consideration due to the principal. I sent my claim to Interest and Instructions letter 2 times. I requested a full copy of our agreement for review. They responded in a letter on XX/XX/year> saying " Based on the information you had provided on our website, we are unable to locate your account. '' They continued to say, " In order to provide you a copy of the terms and conditions you requested, please contact our Customer Service at the telephone number listed on the back of your card. Etc. '' I sent my 3rd notice Default Judgment letter, on XX/XX/year>. They responded immediately after my 3rd letter saying " returning my billing statement with notations " accepted for deposit '' and " returned for value '' does not fulfill your obligations under the terms of your account, which includes timely payment of debts incurred. The Notated Billing statement will not be honored and will not be accepted for " value. '' In my response, XX/XX/year>, states that under House Joint Resolution or HJR-192, The Bill Of Exchange Act, and The federal Reserve Act, the guaranteed interest due to the principal has been claimed! Make note that the dishonor of my endorsed bill of exchange with tender instructions has not been returned. Therefore I requested that Synchrony complete my instructions. I received a response from someone saying they needed time to investigate this further but they never got back to me. Instead they continued to send mail requesting I address a delinquent account. I make a few calls over the next couple of months to the service number they offered and called the Office Of The President to speak to the person who responded to my letter. She never returned the message. I left her 2 messages. XX/XX/year> Synchrony sent notice to me they closed my account, and on the XXXX the wrote me stating they received my inquiry to investigate my payment. I sent another endorsed bill of exchange with instruction to their CFO. On XX/XX/year> Synchrony said they were unable to produce a screenshot or printout of the system. XX/XX/year> I sent my " Official Notice '' letter to the CFO to claim interest owed to principal, request the Liquidation of the Account, withdrawal consent to share any personal information of any kind, and the removal of reports made to all non-affiliates and every credit reporting agency.