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

My account with XXXX XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXXXXXX 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 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

Debt is unknown. I personally reached out to Georgia student finance and they told me my debt was with XXXX  XXXX XXXX. I called XXXX  XXXX XXXX and they never answered my calls so I left a voicemail. I contacted my school XXXX  XXXX XXXX regarding the debt I owed and they told me my debt was with XXXX, XXXX XXXX XXXX XXXX XXXX. I have already settled my debt with them. I have no idea who Georgia Student Finance is and I want this incorrect information off my credit report. I havent gotten not one bill from them stating I owe any payments and I havent taken a loan out with them.
Product: Debt collection

Today I went to court for a Forclosure that they trying to do to a property I dont own any more court case # XXXX the debt was canceled by XXXX XXXX XXXX seems XXXX which I even reported to my taxes in the same year, the judge XXXX XXXX close this case with prejudice seems XXXX and I transfer this property same year and now this company is trying to Forclosure company name XXXX XXXX XXXX locate in XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX phone # ( XXXX ) XXXX Ext XXXX I spoke today with Mr. XXXX XXXX dispute the debt and he send a lot of paper I dont recognize after contact also company name FCI Lender Services , Inc XXXX XXXX XXXX, XXXX XXXX, CA, XXXX phone # XXXX and I spoke few weeks ago with Mr. XXXX XXXX please help me with this injustice matter sincerely XXXX.
Product: Credit reporting

I provided a letter to Equifax that contained an AUD number for the deletion of a collection account entered by XXXX XXXX XXXX in the amount of {$240.00}. This should have resulted in an immediate removal following verification of authenticity. Furthermore, I gave the AUD number to the representative, XXXX, that I spoke with on XXXX/XXXX/2016. I understand that most cases would require a XXXX investigation but the credit bureau has been given the tracking number for the deletion which should expedite this matter and they have chosen to ignore it.
Product: Credit reporting or other personal consumer reports

Back in XXXX I advised One main financial that one of the consumers I included into my debt consolidation loan with them was still reporting that my loan with one of the companies was unpaid. The only information that I received was that One Main mailed the check and the check was cashed by XXXX XXXX. One main never investigated the issue to clear the problem because yet it is XXXX and that same consumer, XXXX XXXX, is now on my credit report in collections status. One main advised that this is not their issue but yet still expects me to make my monthly payments with them for loans they didnt payoff in full as stated in our contract.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Demand for Arbitration Dear XXXX XXXX, I am writing to formally demand arbitration pursuant to the binding arbitration agreement contained within the Cardmember Agreement The Cardmember Agreement clearly states that " in the event of a dispute between you and us arising out of or relating to this Account or the relationships resulting from this Account or any other dispute, either you or we may choose to resolve the Claim by binding arbitration, as described below, instead of in court. '' As I have a dispute with XXXX regarding my account, I am hereby exercising my contractual right to resolve this matter through binding arbitration. 

The agreement further provides that the arbitration will be conducted by the XXXX XXXX XXXX XXXX XXXX ) in accordance with their applicable rules and procedures. It also states that XXXX is obligated to advance any arbitration costs and fees on my behalf if I am unable to afford them and can not obtain a waiver from the XXXX. 

By including this clear and unambiguous arbitration provision in the XXXX XXXX, XXXX has contractually bound itself to honor my demand to resolve our dispute through arbitration. XXXX does not have the option to deny or ignore this binding arbitration clause. 

I hereby request that XXXX Bank take all necessary steps to immediately initiate the arbitration process with the XXXX regarding any and all disputes or claims I have in connection with my XXXX Card account. Please provide me with any required forms, instructions or other information I may need to properly file for and commence the arbitration proceedings. 

If XXXX Bank fails to initiate the arbitration process within 30 days of receipt of this letter, I will have no choice but to directly file for arbitration with the XXXX myself. I will then demand that XXXX comply with the agreement and participate in the arbitration. Any further delay or refusal by XXXX to honor the arbitration clause may result in additional legal action. 

I look forward to XXXXXXXX XXXX XXXX prompt compliance with this demand and the initiation of the arbitration process. If you have any questions or require any additional information from me, please do not hesitate to contact me. 

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

XXXX XXXX, a debt collector, suddenly put a collections on my report in XXXX from an apparent XXXX issue. When asking to provide documentation of the debt, they refused. I contacted Experian and XXXX to dispute the collections and have them provide documentation or some sort of verification from XXXX XXXX and they did not. At no point have I lived at the address they quoted for service or done business with the original company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I mailed in a payment via money order on XX/XX/XXXX for XXXX. It was cashed by Avant on XX/XX/XXXX but never applied to my account. I have called numerous times and I was told to email customer service at XXXX. I have emailed a picture of the money order stub and followed up with emails requesting help. Sometimes they will email me back and tell me to call the 800 number. When I call they tell me to just log into my account online to watch for the payment to post. I emailed XXXX XXXX and XX/XX/XXXX. I have called at least once per week since the end of XXXX.
Product: Credit reporting or other personal consumer reports

I reported this back in 2019 and its still on my credit report! I spoke with the fraud department of this company. The account was closed but still on my credit report and needs to be removed.

Identify theft has been submitted XXXX
Product: Credit card or prepaid card

On approximately XXXX XX/XX/20 I noticed that I was being charged {$21.00} by comenity bank XXXX XXXX I called the company and spoke to a representative and they told me I was being charge by XXXX to a credit card that was closed. Comenity then open that XXXX without my permission. I have an XXXX credit card link to my XXXX XXXX  so I know that couldnt be the case. The representative told me that she will use a {$30.00} reward to cover that balance and I asked to closed that account. Then I received another letter stating that I still owe that amount and with late fees, the amount went up to XXXX. I never authorized comenity to open that account in the first place.
Product: Credit card

I have XXXX credit card with XXXX XXXX that I used to purchase XXXX tickets from XXXX in XX/XX/2023 for {$1300.00} XXXX filed a dispute with Wells Fargo ID number XXXX they refunded me the whole amount after few weeks then took the money back from my account later they called me to offer me getting refund of half the money. 
I refused because I need a-whole refund. 
They did not help me get my refund back. 
The merchandise did not serve us with the service that I paid for. 
we went ahead of time to airport to check in they but our luggage out from the belt then say you can not go inside the plane later told us purchase another ticket with another airlines and call your credit card to get a refund. 
We asked for help to go with another trip or any other options they refused to help. 
They told us purchase another ticket and do refund from your banker which we did.
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting agencies have my name, address and employer listed incorrectly. I have enclosed a copy of my driver 's license which shows my name and address. 
See attachment
Product: Mortgage

I 've been XXXX since XXXX with private XXXX as my only income until XXXX. In XXXX, my private XXXX company began to withhold my monthly benefit from me reducing my income by more than 50 %. This is non-cancellable policy insured to age XXXX. I purchase my home in XXXX XXXX with a loan from XXXX XXXX, who sold it to XXXX. I notified XXXX of the hardship. They informed me I had to apply for Hardest Hit funds first before I could get a loan modification. I did and Hardest Hit funds were applied to bring my loan current. Then I asked XXXX for a loan modification. XXXX turned me down because my loan was current via Hardest Hit. once the Hardest Hit funds were exhausted, I I applied for a modification. Through XXXX 's delays and putting me off- by the time they finally began talking to me about loan modification, they said I was too far behind to qualify for many programs. Many of the HARP programs I did n't qualify for because I purchased my home in XXXX. However, I was forced to purchase this home due to being displaced from my home purchased in XXXX XXXX as a result of an unexpected divorce. A home that I owned with my husband, but I was not on the loan with. I was the person who serviced the loan, but the lender would n't transfer the loan into my name because the house would n't appraise for the amount owed. 
In XXXX XXXX finally agreed to let me make trial payments which I did. After the 4th or 5th payment, they sold my loan to PennyMAC. They did n't like my signature the first time, then they did n't like the military format I used for the date the second time. Then there was some vague language about a {$60000.00} balloon at the end of the loan I did n't understand. As I communicated with PennyMAC, I was told my loan was in review as late as XXXX XXXX. The loan docs were expired, and they could n't send new ones but said I could apply for new ones. XXXX XXXX I received foreclosure notice and date to sell my home of XXXX XXXX. We submitted new documents immediately, but they only confirmed the docs on XXXX XXXX. They said it would take 30-45 days for an answer. 18 days later they rendered a denial saying they had exhausted all options and that my income was too low and what I was behind with penalty and fees was too much. As soon as I hung up with XXXX XXXX, I went to XXXX for an eligibility questionnaire and I qualified to apply. I received a confirmation number and will receive logon credentials for an application within 24 hours. l have a debilitating condition and I care for XXXX XXXX children who need the stability of our home which we 've enjoyed since XXXX. We 're the very example of why these programs are created, but the process is too complex to make them accessible.
Product: Credit card

For over 6 years we have been making payments double the amount Chase Bank said would pay off the credit card in 2 years. Approximately {$34000.00} has been remitted Calling Chase they would not tell us where the additional principle payments were used.
Product: Debt collection

Americollect sent me to collections, PRIOR to investigating the dept. 

XXXX XXXX  Fire Department ( XXXX XXXX XXXX ) sent me a bill. The problem was, the address was incorrect. I never received the bill nor did I receive any phone calls. 
I NEVER received a phone call message. 
The first that I was made aware of ANY outstanding bill was XX/XX/2021 when the " Collection '' appeared on my credit report. I IMMEDIATELY paid the bill via XXXX XXXX XXXX ( Conf number XXXX ) As you can see, Americollect sent me a bill ... but AFTER the debt was already paid. Apparently, the original billing department had my address listed in XXXX WI and not in XXXX, WI. 
I have sent Americollect an email and have not received a response of any type.
Product: Debt collection

I believe LVNV is targeting my data they continue to add accounts even after I have let them no I have no contract with them and have no interest in further communication. They are illegally reporting to my consumer report and using illegal debt collection methods. They are violating data and privacy laws. All of this is being done outside of law permissible purpose and is a violation of my rights as a citizen. It all reports are not removed I will be forced to sue under glba fcra and fdcpa. I have contacted legal counsel and they advised me to send this notice. Consumer reporting agencies also have duty in reporting my data in am ready to hold all parties responsible.
Product: Student loan

I applied for a student loan with Discover Student Loans on the XX/XX/XXXX with the intention of going to XXXX XXXX University. Discover Student Loans did not mention in it's advertisement nor disclosures that contingent upon loan approval that a cosigner is required. When I called to speak with Discover Student Loans I was told that the reason that I needed a cosigner was not based upon my excellent credit history however an agreement they had with the university as XXXX XXXX University has/had a high dropout rate. I was not given this information prior to applying for the loan, the information I was given was unfair, deceptive, and fraudulent. It altered my individual perception as someone applying as if I would have known this information upfront in public data on their website or in the material pertaining to discolors and agreements I would not have applied for the loan. This is resulted in a hard credit inquiry on my credit report because of the company 's blatant negligence in giving consumers adequate information pertaining to student loan applications. I did see on the website that a cosigner may improve chances for approval of the loan, but nowhere did it mention that I would need a cosigner based on the university/college drop out rate. I called again to try to get more information about student loans in the later part of XX/XX/XXXX with the intention of getting information on the loan I originally have applied for as well as information regarding the process of applying for a new loan. The representative was not willing to provide more insight regarding the cosigner issue nor issue me the original document I had online.
Product: Debt collection

I received a debt collection notice from National Credit Systems , Inc in XX/XX/XXXX stating I owed a debt of {$1500.00} from XXXX XXXX for XX/XX/XXXX unpaid rent. I provided proof of rent payment to National Credit Systems , Inc. and received a response letter that they could not verify my claim of payment. I provided an email payment confirmation and bank statement showing payment, which is ample evidence of payment. When
Product: Money transfer, virtual currency, or money service

Collectrix put a lien on my property because they said I owed a debt. I am not the person listed on the documents that they claim the debt is owed. I received the Judgement Lien and spoke to their representative who was very unprofessional and rude. After this, I sent them an email. Their date of entry of judgment was on XX/XX/XXXX and their declaration and date of notice were executed on XX/XX/XXXX. The statute of limitation is 10 years. The amount that the judgment is, is {$16000.00} + XXXX per day + collection cost. On XX/XX/XXXX and today on XX/XX/XXXX I emailed them a statement and their responses are asking me for personal information that is not needed, especially when they are sending documents and placing liens on property that is not even valid, as I am not the person who they should be sending a judgment to.
Product: Credit card or prepaid card

I made a Chase Travel purchase {$460.00} on XX/XX/XXXX and should get {$50.00} annual travel credit as part of Chase Sapphire benefits. On XX/XX/XXXX and XX/XX/XXXX, I contacted Chase Sapphire customer service twice inquiring about why i did not get the {$50.00} credit, on both occasions were told the charge was not eligible due to the date. After conversation with a manger, he said it should be eligible so submitted an escalated ticket on the issue. 
On XX/XX/XXXX, without getting response after one month, I called customer service again, this time a manager said the date is eligible, it's the charge itself is not eligible. So I asked what about the charge is not eligible, and how to make it eligible next time. She said she does not have the details, all she know is that it's not eligible and they don't need to give me a reason. 

As a consumer, I have the rights to know why a charge is not eligible for the travel credit as promoted - date? Type of charge? Instead of being told " we do not have more information and if you don't have another question, I have to end this call '' - what an attitude from customer service!
Product: Credit card or prepaid card

Unknown person hacked into my Checking account with XXXX, Credit Card accounts with Citi Bank and XXXX XXXX and performed a series of fraudulent transactions with my Citi Credit Card. 

Total $ Value of fraudulent transactions made through Citi Credit Card : {$19000.00} Total $ Value of fraudulent transactions made through XXXX XXXX Card : {$590.00} Total $ Value of funds stolen from my XXXX Checking Account to pay off fraudulent activity on Citi Credit Card : {$15000.00} I am attaching copies of Fraudulent transactions for each account as part of this complaint
Product: Checking or savings account

Back in XXXX my debit card went missing. I do not know if someone took it from my backpack, picked it up from the floor, or even if I left it in the machine. I was at the merchant in question ( XXXX XXXX ) shortly prior to the unauthorized use of my card. I immediately locked/blocked the card via the mobile app when I realized it was missing. Then called the bank. These 'people ' ( i use the term loosely ) then denied my claim because the card was present and there were no signs of fraud .... the original agent I filed the claim with did not record the claim/info correctly ... resulting in the claim being denied and my acct being rebillled. I demanded a re-review ; and was advised it would take 45 DAYS .... only to discover today that a 2nd review was never even done, and the agent never even filed the claim correctly to begin with.
Product: Credit card

I was aware that the due date for my account was on XX/XX/XXXX. On XX/XX/XXXX, I set up an automatic payment for the " Statement Balance '' so that I would not be charged any interest on my balance. I logged into my account again on XX/XX/XXXX and found out that no automatic payment had not processed prior to the XX/XX/XXXX due date. Upon inquiry to the customer service team I was told " Since your XXXX due date had already been established, the automatic payment would not occur until your XXXX payment. '' This is an unfair business practice that places an undue burden on consumers. Even though I made proper arrangements for my statement balance to be paid in full more than XXXX weeks prior to the due date, I am now responsible for paying interest on that statement balance and possibly a late payment fee. Using an electronic payment system as the company does should not require such an unnecessary delay before payments may be applied. I feel this delay harms consumers who proactively arrange for payments weeks in advance, only to find out that their actions are not effective and they will be charged interest or added fees by the credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was paid in full by XXXX XXXX, both on XX/XX/XXXX, XX/XX/XXXX. When i spoke to patience accts in XX/XX/XXXX, I was informed this was taken care off, as XXXX overpaid hospital bill and they where going to cover this amt. 


Hospital send this over to XXXX XXXX which close the acct as paid. 

now united collection bur is re billing on an acct taken care. of.
Product: Credit card or prepaid card

Beginning in XX/XX/2021, I had fraudulent charges on my account. Capital One found the charges were fraud and adjusted the charges after canceling my card. What they did not adjust was the minimum payment. They are forcing me to make a minimum payment based off the interest of the fraudulent charges. Due XX/XX/2021 was a minimum payment of {$400.00}. Based off advice from their account manager, I paid {$220.00} which is what the minimum payment should have been. She told me the next bill would even out. It did not. Due XX/XX/XXXX was {$480.00}. I paid {$200.00} ( the appropriate minimum payment for MY charges ). Now due on XX/XX/XXXX, the minimum payment due is {$540.00}. I have called numerous times and told they are working on it, but they never do. They just keep tacking on the portion of the minimum payment I didnt pay to the next months bill. The problem is, my minimum payment should never have been that high to begin with. They based the minimum payment off the fraudulent charges they reversed. They told me once a minimum payment is calculated, they cant change it - but they put in a ticket for higher management to do it. Nothing is being done. This is reflecting as late payments and they keep charging me late fees. I am still paying my minimum payments, but Im paying what they would be had i not had fraudulent charges figured in. I just want my minimum payments to reflect what they should be - not based off almost {$10000.00} in fraudulent charges. Please help!