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

My account with EXPERIAN was never late! I have had exceptional payment history 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 to be updated.

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. 


EXPERIAN 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!

Update the late payments from my consumer reports
Product: Debt collection

I have reached out to the original debt collector that held the account via mail on XX/XX/year>, and I have not received a response. The original debt collector has since sold my information to Messerli & Kramer PA to collect on a debt that they have refused to validate that i owe. Messerli & Kramer PA has since filed a lawsuit with small claims to collect on a debt that has not been validated.
Product: Credit card or prepaid card

Bank of America Visa Card : Fraud Investigation Denied my Fraud claim On XX/XX/XXXX My gym locker was broken into on Monday XX/XX/XXXX and my wallet was stolen from the XXXX XXXXXXXX at XXXX XXXX XXXX in XXXX. I filed police report for the theft of the wallet with the XXXX police department ( Report # XXXXX ). My credit cards were then used fraudulently at the XXXX bank at XXXX XXXX XXXX in XXXX to withdraw a {$2000.00} cash advance. I immediately contacted Bank of America notified you of the fraudulent transaction and requested a replacement card. 

On XX/XX/XXXX I drove to the bank ( XXXX XXXX XXXX ) and spoke in person to the bank manager ( XXXXXXX ( XXXX XXXX XXXX ) ) and she in turn spoke to the bank teller who performed the fraudulent transaction. She stated that the individual came into the bank and made an in person " cash Advance '' at the bank tellers counter. Although the individual did not have a PIN number for the bank of America Credit Card, the bank teller gave them the money using my stolen driver license and XXXX ATM card as identification. The individual was wearing a face mask, hat and sun glasses. 
The XXXX Bank Teller did not ask the individual to remove his mask to confirm his identity due to Covid. 
The XXXX Bank Teller did not validate the signature provided with the one they have on file. 

The individual also attempted to change PIN numbers on my XXXX accounts, which was not allowed and this flagged an alert to the teller who then sent an alert communication to other XXXX branch concerning my account. I asked for a copy of this alert notification and XXXX stated to was a privileged internal communication and they would not share it with me. 

In addition, the thief also attempted a {$2000.00} withdrawal from my XXXX XXXX account which was denied. I have the email notification from XXXX XXXX concerning that blocked transaction ( see below ) : I have also filed a police report with the XXXX police department XXXX where the credit fraud occurred ( see attached ). 

On XX/XX/XXXX Bank of America Fraud service again denied my claim and stated that I was responsible for the fraudulent transaction and owed {$2000.00}. Since allowed the thief to use my card. 

On XX/XX/XXXX Spoke with Fraud Services at bank of America and was told to mail in a copy of the XXXX police report. I did that along with a copy of this statement. 

Sent on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX On XX/XX/XXXX Spoke with Fraud Services at bank of America and was told to go into a local branch and fax this letter and the police report from there. 

On XX/XX/XXXX XXXX BOA Fraud Services agreed to reopen the claim and asked me to fax everything again. 

On XX/XX/XXXX I asked to speak to Fraud Supervisor. I was never connected with the Fraud supervisor but XXXX took my police report number and the name of the police officer on the report. 

On XX/XX/XXXX Bank of America Fraud service again denied my claim and stated that I was responsible for the fraudulent transaction and owed {$2000.00} since I authorized the thief to use my card.
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Product: Credit reporting, credit repair services, or other personal consumer reports

BofA claimed that XXXX agreed to reverse a fraudulent charge of {$86.00}. XXXX did not reverse the charge. I closed my Visa card XXXX XXXX XXXX XXXX. 
BofA placed a {$86.00}, reversal of the fraudulent charge credit BofA granted me while BofA investigated my claim that XXXX made this charge fraudulently. I received a letter from BofA stating that XXXX agreed to reimburse my Visa card for the {$86.00} Fraudulent charge. BofA then reversed the fraudulent charge credit, placing this as a fee, on my Visa card, even so this card was, at that time, already closed by me. BofA claimed that the XXXX crediting my visa card would take my closed visa balance to XXXX. 
XXXX did not credit my canceled Visa. Prior to the " fee '' coming due, I contacted BofA customer service ( for the fourth time on this issue ), informing them that there was a demand from BofA for me to pay this XXXX BofA customer service agreed with me that I will not be required to pay this fee. BofA made negative reports to all three credit reporting agency claiming that I was first 30 days, then 60 days late in paying my Visa card. This resulted in a substantial reduction in my credit rating. BofA erroneously though that a {$160.00}. charge I had XXXX reverse prior to this claim satisfied my claim.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

On XXXX XXXX, 2016 a final payment for the credit card debt was processed by Bank of America for {$5200.00} along with a handwritten note on the reimittance to close the account BEFORE the annual fee would be charged in the following month. The instructions were NOT followed and the account was charge for an {$75.00}. I have tried to call them to ask them to read the note, refund the {$75.00} and close the account. they have refused. I believe this is clear example of the misleading practices by bank of America in an attempt to generate more income off of consumer eventhough they have been instructed to close the account before the fee. This appears to be very similar to the technique of delaying payments in order to generate fees.
Product: Checking or savings account

I was charged XXXX dollar though back of America the problem was resolved but I can not get a different bank account or anything due to what they state the reason how the problem was solved
Product: Vehicle loan or lease

To be clear to start, the issue is that I could not get anyone on the phone to understand that the material misrepresentation about payment posting on the website was something that needed to be addressed. Their process to resolve my misapplied payment makes no sense, but it did get fixed after speaking with the company. 

The Hyundai Finance website states that overpayments will be applied to principal once the current bill and any outstanding bills/fees are satisfied. It lists a slightly different posting order for payments under or over {$2500.00}, but both sections state that overpayment will be applied to principal directly. 

I made my first payment on XX/XX/XXXX, before the due date of XX/XX/XXXX. I called on XX/XX/XXXX to ask why the excess had been applied to my following bill instead of principal. The final response I got from my first call was that excess payment is in fact applied to principal and that that is what happened with my payment. 

This did not seem right as I could see that my following bill had been reduced by the extra amount, so it appeared it had not been applied to principal. I called back to verify and the second person I spoke with informed me of the actual policy ( that overpayments on sums under {$2500.00} are NOT applied to principal unless you make a payment then call back two days later to have it reversed and reapplied to principal. ) I tried to inform him that the only available place that I could find in my loan documents or the website stated a different posting method, ( one that is clearly more beneficial to the borrower 's interest paid, ) and he could only " apologize for the incomplete information on the website. '' That is not " incomplete information, '' that is a material misrepresentation that causes the borrower to pay more interest than the posting method stated on their website.
Product: Debt collection

To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim that I owe THE AFFLIATED GROUP {$82.00}. This is a formal notice that your claim is again disputed. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Please note that I never received " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : I do n't have a contract with you, nor have I ever signed anything to THE AFFLIATED GROUP stating I had an agreement with you and owed any monies to THE AFFLIATED GROUP. 
Please be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. 
The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. 
I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX XXXX, TX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is being reported with repetitive XXXX  marks which is a clear violation. Please review this account and provide me with complete information and up to date payment history, if your agency is unable to, please remove.
Product: Credit reporting or other personal consumer reports

I have a past due account listed on my experian credit report. It shows a past due amount of {$45.00} from XX/XX/year>. I paid off that past due amount in XX/XX/year>. It was an XXXX account I had, which was sold to a collection agency XXXX XXXX. I have provided documentation to Experian from both XXXX and XXXX XXXX. XXXX XXXX documentation shows the account was charged off and the balance is XXXX. I made all of my payments for thos XXXX account thru their collection agency XXXX XXXX XXXX XXXX XXXX  documentation shows that my final payment of {$45.00}, for this past due account, was made on XX/XX/year>. I have disputed this several times with Experian, and they continually leave this account remaining on my credit report. I am trying to obtain a home loan, and this past due account needs to be removed. I don't know what other documentation or proof they need to verify this account is paid in full. This is very frustrating. Credit reports should be an accurate report of your credit. Experian is not doing that.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF AN IDENTITY THEFT, AND SOMEONE STOLE MY INFORMATION AND OPENED FRAUDULENT ACCOUNTS, THE CHARGES ARE FRAUDULENT AND NOT MINE. JUST BECAUSE THEY ARE BIG CORPORATIONS AND THEY CAN CONTROL PEOPLE BUT THEY SHOULD UNDERSTAND THAT I AM VICITM THESE CARDS AND THESE CHARGES ARE FRAUDULENT.
Product: Mortgage

US Bank owns a property in a Homeowners Association in XXXX XXXX XXXX. The foreclosure process has been completed, but the bank has failed to upkeep the home. US Bank secured the property in 2014, and it is the Association 's understanding that the property is now under the management of XXXX on behalf of the bank. After several attempts to contact the bank, the Association 's management agency was contacted by XXXX regarding property violations that were outstanding. The Association explained the process to rectify the violations, but it has now been over six months and the property 's appearance remains less the slightly. The Association has received several complaints from members of the community and owner 's are worried that the aesthetics are effecting the property values of the surrounding homes. Despite multiple letters to US Bank and attempts to contact XXXX, requests go unanswered and the property sits just as it did during the foreclosure process.
Product: Checking or savings account

I was issued a check on Regions Bank. Called bank to verify that they can cash. They replied yes. I went to bank. XXXX XXXX took check and put it thru machine that printed numbers on back then proceeded to to ask if I had an account with them. After i said no, she said there will be a {$5.00} ( XXXX dollar ) fee to cash check. I refused and went to cash check else where. When I tried to cash check at another place, I was told that the check could only be cashed at Regions now that it had those numbers printed on the back, by Regions. I spoke with XXXX XXXX at same bank branch and she refused to acknowledge fault or rectify mistake. I called Regions Cooperate office 4 ( four ) different times and call was dropped each time, over 45 ( forty-five ) minutes. Finally, on the 5th ( fifth ) attempt, I was able to talk to someone named XXXX. He suggested I get check reissued from original issuer. I proceeded to file complaint thru Regions Corporate office with XXXX. My complaint is they modified the check in such a way that it can only be cashed at Regions Bank, before notifying me that there would be a fee to cash it and now, if I want to cash check I will be forced to do so as Regions and pay their fee instead of being able to cash it else where.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested every month since XX/XX/2018 that Experian and XXXX remove the public record information of the bankruptcy on my credit reports. Both of the credit reporting agencies have responded several times that they received information from the US Bankruptcy Court and the record is VERIFIED and ACCURATE. The attached documentation from the US Bankruptcy Court clearly states that they do not report or verify information with credit bureaus. They also state that agencies do not contact the court to verify bankruptcy filings. 

A credit reporting agency is required by law to the following : ( 1 ) Guidelines. The Bureau shall, with respect to persons or entities that are subject to the enforcement authority of the Bureau under section 621 ( A ) establish and maintain guidelines for use by each person that furnishes information to a consumer reporting agency regarding the accuracy and integrity of the information relating to consumers that such entities furnish to consumer reporting agencies, and update such guidelines as often as necessary ; and ( B ) prescribe regulations requiring each person that furnishes information to a consumer reporting agency to establish reasonable policies and procedures for implementing the guidelines established pursuant to subparagraph ( A ). 624 - 15 U.S.C. 1681s-3 97 ( 2 ) Criteria. In developing the guidelines required by paragraph ( 1 ) ( A ), the Bureau shall ( A ) identify patterns, practices, and specific forms of activity that can compromise the accuracy and integrity of information furnished to consumer reporting agencies ; ( B ) review the methods ( including technological means ) used to furnish information relating to consumers to consumer reporting agencies ; ( C ) determine whether persons that furnish information to consumer reporting agencies maintain and enforce policies to ensure the accuracy and integrity of information furnished to consumer reporting agencies ; and ( D ) examine the policies and processes that persons that furnish information to consumer reporting agencies employ to conduct reinvestigations and correct inaccurate information relating to consumers that has been furnished to consumer reporting agencies. 

My results from these credit agencies now state that XXXX XXXX provided the information. Where did XXXX XXXX get this information if the bankruptcy court states that they do not verify the information with third party vendors or credit agencies. All information collected needs to be verified with the Bankruptcy court directly and must be detailed and accurate, if not they are in violation of my rights. I need these items to be removed immediately, as this organization has not followed, reasonable procedures. It is the purpose of this letter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, ACCURACY, relevancy, and proper utilization of such information.
Product: Checking or savings account

In XXXX of XXXX I accepted an offer where Wells Fargo offered a {$400.00} bonus for opening an account. I was told that they would deposit the money in XX/XX/XXXX. 

When that didn't happen I submitted a complaint with CFPB case # XXXX. 

Wells Fargo responded in a letter to me dated XX/XX/XXXX stating that they would pay the money within two billing cycles. Today is XXXX XXXX and I have received two additional statements from Wells Fargo but they have never deposited the {$400.00} bonus they said they would. 

I spoke with the executive office this morning and they said that they are unaware of the letter that I received. 
I have attached it and certify that it is the letter I received from Wells Fargo Is this really the correct behavior for one of our country 's largest banks?
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Transunion and provided documentation directly from my student loan service that stated my loan was incorrectly reported as late while in deferment and is currently deferred until XXXX. Transunion investigated the dispute and will not update my credit or remove the late payment report. One dispute was completed XX/XX/XXXX and the second dispute was completed XX/XX/XXXX. I have filed a third report today XX/XX/XXXX. This late report has damaged my credit score severely at a time that I am purchasing a home and it is wrong that Transunion will not remove it and restore my score when the lender has written a letter.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the accounts as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute the accounts. It was opened without my knowledge, authority or consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX