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

My account with ( DEPT OF ED/XXXX, XXXX  XXXX, XXXX XXXX ) was never late! I have had exceptional payment history witH 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 my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING 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. 

( DEPT OF ED/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 card or prepaid card

I have a problem with being charged a {$40.00} late fee when making a payment on the due date, but 90 minutess past the cut off. I sent an email to US Bank on XXXX XXXX requesting a late fee refund and received a reply on XXXX XXXX refusing a refund. My complaint is partly that the fee is excessive at {$40.00} but also unfair in that the payment was made on the due date technically. The receipt I recieved for the payment says it was received on the due date. In another place it notes the time cutoff. I had a late fee the month prior which was waived. 
My complaint is also that they are making no concessions for COVID. A concession could be a waiver of late fees and not fighting it to this degree. 
My second complaint is that they are not willing to negotiate so that I can close this account and be placed on a long-term payoff plan with XXXX or very low interest as most of my other credit cards are doing. My family has 3 XXXX XXXX XXXX and 2 XXXX XXXX cards that have been placed on payoff plans like this and those banks made the process to enroll fairly easy. 
The first time I contacted US Bank to request payment assistance program, I was told that I needed to talk to the Hardship Department. The next time I called which was on XXXX XXXX and asked to speak to the Hardship Dept, I was told that I would not qualify for any kind of Hardship program until I was 2-3 months late. My objection is that the bank is forcing me to choose to damage by credit that I work very hard to build up with NO late pays by letting it go late, then when it does go late by 90 minutes on the due date, they charge a {$40.00} charge. 
Recently, a button has appeard on the US Bank home page that says " learn about our payment programs. That link takes me to a page where I can select payment programs which takes me to this message : Unfortunately, you are not eligible for any payment assistance offers at this time. We appreciate your business and would invite you to contact us at XXXX. A service representative would be happy to answer any questions you may have. 
I have talked to a representative twice and they tell me there are no options for me. 
The reason I was 90 minutes late making a payment was because it was hard to decide whether to let my account go over 30 days late so that MAYBE US Bank would offer me some kind of payment assistance, and ultimately I decided I was not comfortable with not making my payment on time. 
The attached XX/XX/XXXX statement shows both a payment made by me for {$600.00} and a {$40.00} late fee on XXXX XXXX. I have also attached the payment confirmation message I received online that confirms date and time of payment which was XXXX XXXX at XXXX CT and notes that payments made after XXXX CT will be " processed '' the next day, but does not say that the payment is considered " late '' and a fee will be charged.
Product: Credit reporting or other personal consumer reports

I am writing this letter with a sense of desperation and anger that anyone in my situation would understandably feel. I have provided concrete evidence in the form of an XXXX, so I am utterly dismayed by your bureau 's unexpected and unjust denial of my XXXX XXXX claims. I was the victim, and I am baffled as to why the credit reporting agency is not adhering to the law, especially when the other bureaus have done so. I am particularly confused as to why this particular bureau seems to be ignoring my requests. XXXX and XXXX have already removed this account from their records due to an identified error. I am confused about how you have verified it while the other bureaus have removed it. Please delete this from my file, as it is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Bank of America has done nothing but hesitate and provide misleading information and because of theyre long process customers such as myself are losing money. On XX/XX/2019 I filled a claim against a particular merchant ( XXXX ), they heard of my action so the merchant decided to cooperate and entitle me to a full refund. In order for me to be subject to any refund the merchant was very specific, # 1 i would need to stop any dispute with my bank ( which i did do ) and # 2 a letter from my bank stating that no case was under the specific merchant ( XXXX XXXX XXXX ) anymore moving forward. I follow the step, call my bank, wait and verify through the IVR system that transfers me to an agent, the first agent couldent help me i so got tranferred to the second agent and the second agent advised me she/he would do what she can and when all is said and done all i got was a letter stating " thank you for your inquiry regarding claim # XXXX ''. I called them a second time and explained my situation and what i needed but first i have to call the 1800 number, wait in line, wait for an agent to transfer me, the first agent cant help so i get transferred, agent cant help so i get another transfer to the XXXX who advises me it'll all be taken care of. I cooperate and wait for my letter. I am attempting for the third time to see if they can get it correct this time. XXXX XXXX XXXX will not issue any refund until my bank ( Bank of America ) cooperates, all the agents reply " I dunno who I can contact for that '', " oh ill see what i can do but i cant guarentee anything '', " my system wont allow me sir its down, youll have to go to a branch '' and the branch expresses the exact same words " oh try calling the 1800 mumber '' " I dont have acces to that sir call the 1800 number. Bank of America has kept me in this loop for nearly 2 months now. Please help me CFPB, Bank of America is causing nothing but hassle and sorrow for its customers and are making alot of people very unhappy. They're system doesn't work.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX. In XX/XX/XXXX, I purchased a car for my wife, a XXXX XXXX XXXX XXXX. She has made all the payments for the vehicle. In XX/XX/XXXX she was side swiped by a XXXX bucket truck. XX/XX/XXXX XXXX insurance company deemed the car totaled, as soon as we found out we contacted Santander. The requested that the insurance company reach out to the, which is what they have done. According to my wifes attorney the insurance company has continually sent the documents via email, fax, and have sent letters. Each time weve contacted them they have said the insurance company has either sent the wrong documents or that they havent received them yet. The insurance company ( XXXX ) has told my wifes attorney ( XXXX XXXX XXXX XXXX  his name handling this is XXXX XXXX XXXX ) that they are not sure what is going on over there, that they are not " acting in good faith. '' The paperwork that they are requesting is no different than anyone else who has Gap insurance. Santander is now sending me certified letters they are welcome to take the car, if that will get them to do the right thing, at this point we are very frustrated with this company and will never do business with them and we will make sure all of our friends and family will know to avoid them.
Product: Credit card

I got put on hold several times calling, I had to close bank account do to fraud and reopen. The card was on my bank. I never ordered the card or authorized. But after a couple times they were to transfer me to manager on hold for 35 minutes and operator come back on asked to verify number they call me back. Never got a call back.. this isn't bothering first time. I've git several things on my credit. That shouldn't be there my credit went XXXX XXXX I'm on tears
Product: Checking or savings account

On XX/XX/2022, I attempted to login to my Charles Schwab account that includes my checking account and was met with an error " For your protection, we need to verify your identity before proceeding. Please call XXXX for assistance. '' When I called over the course of the past week and a half, nobody knew why I couldn't access my funds. I was told there wasn't an extension to the office that is handling this and they will review it for 7 to 10 business days. 

I can't access my money in either my brokerage account or in my checking account for almost two weeks. I have tried to resolve this with Schwab, tried to get a reason why my money is unavailable. I trusted them with XXXX of XXXX  of dollars of my hard earned money and they won't let me even close the account or get my funds. This isn't okay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1800.00}, XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$540.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}.
Product: Debt collection

Debts had been paid by my insurance company and they were still attempting to collect the debts for far more than was owed initially before insurance had paid them. The companies I owed the original debts to stated all my debts had been paid by my insurance and my insurance company confirmed I did not owe the debts. They still reported it to my credit report as being in collections for two amounts that were not only higher than I owed but that had already been paid for.
Product: Mortgage

XXXX applied for refinance with TD Bank. Received a rate lock and XXXX points. I supplied all documentation requested by XX/XX/2021. On XXXX I received a " notice of incompleteness '' from TD Bank which they withdrew the next day indicating that they had everything. I followed up on XXXX asking for a status ; received a response XXXX saying they would honor the original rate and that I would have an approval within 2 weeks. On XXXX I still had not heard from TD Bank. On XX/XX/2021 TD Bank requested all documentation - again. Documentation supplied XXXX. On XXXX I was advised TD Bank was waiting for a subordination letter. On XXXX I was advised the application was fast-tracked. XX/XX/XXXX - nothing. On XXXX I was asked for the documentation for the third time with the instructions that they must be returned by XXXX ( 3 days before they sent the e-mail! ). Documents uploaded by XXXX. On XXXX TD Bank requests the documents again - 4th time - which are supplied on XXXX. On XXXX I was advised of a closing date of XXXX - never happened. On XXXX TD Bank requests I unfreeze my credit so they can soft pull - done. Now, XXXX they want more documents signed - but they have changed the original lock agreement to include points. 
All of this is just wrong, incompetent and, I Believe, an effort to force me to quit the application because the rates have risen. 
Interesting detail - the current mortgage is with TD Bank - the refi is also with TD Bank. How difficult can this be?
Product: Credit reporting or other personal consumer reports

I've disputed the incorrect Balance on XXXX XXXX  and provided proof this loan was paid off atleast 5 times to XXXX XXXX,, XXXX and Experian. All XXXX companies have not updated or removed the loan from my credit report and they do not have a live customer service representative that I can speak to. I've disputed the hard loan inquiries as I have not given the companies permission to check my credit and they should have deleted it from my credit. Again, I've provided and disputed the loan amount because it is incorrect and the balance I'd completely paid off to XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove fcra violations : XXXX  XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against them if they do not validate these items. Please follow the law so that this situation can be settled quickly. 
USDOE/XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX
Product: Debt collection

pls verify and validate all data for this account, every notation, dates and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. Inquires : 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: Checking or savings account

On XX/XX/2020, my wife and I purchased an electronic dog toy using our debit Mastercard from Centennial bank. The purchase was for {$77.00}. The merchant name is XXXX ( aka XXXX ). After receiving the toy, it was not the product we purchased. The merchant was using descriptions and photos of another product. We contacted the merchant and they offered a credit of 10 %, but would not go any further in refunding the amount back to us. I called my bank and opened up a dispute on XX/XX/2020. I provided the bank all of the details of the transactions to clearly show that the merchant sent a different product, and they were not honoring their refund policy either. On XX/XX/2020, I received a letter from Centennial bank denying the dispute claiming " no error was made ''. Upon calling a bank representative at my local branch in XXXX, FL, they claimed that they could not follow through with the dispute because it was an " authorized purchase ''. I was under the impression that I had the right as a cardholder to dispute a transaction, and this right was being denied. At this point, it's the only way I can find a resolution. The bank did not follow through with investigating the dispute, or provide documentation to back up its findings. I wasn't able to challenge it either. I feel my rights within the FCBA were not processed fairly.
Product: Checking or savings account

On XX/XX/year>, I visited NBT Bank on XXXX XXXX XXXX, XXXX, NY XXXX, with my husband to open a new bank account. 

When my husband stepped out to withdraw some cash to deposit, XXXX XXXX, the banker tasked with opening our joint account, asked if I were a XXXX XXXX, even though she had a copy of my driver 's license and social security card in front of her. Despite my pronounced XXXX XXXX affectation and living no where else but the XXXX my whole life, XXXX automatically assumed that I was a foreigner because I wasn't white. I've held bank accounts all across the XXXX for over 30 years and have never been asked that by a banker before. After I told her yes and hoped that it would be her last indiscretion, I was wrong. 

When my husband ( who happens to be white and is an immigrant ) came back, he gave XXXX XXXX forms of ID, his driver 's license and green card. After seeing my husband 's green card, XXXX, went to her manager and asked if we needed to fill out an IRS XXXX XXXX. An IRS XXXX XXXX is a form for XXXX who happen to hold assets in the XXXX and don't pay income taxes as they are not authorized to live in the XXXX long-term XXXX This form would take an additional 30 % tax on what we both deposit into this bank account ( as it's a joint account ). This would be unnecessary and completely unfair as I am already taxed on my earnings as a XXXX XXXX 

I told XXXX XXXX that this form wasn't necessary as my husband is a documented XXXX XXXX XXXX  who has been employed by several XXXX employers over the years and happens to be married to a XXXX XXXX. I even showed her the IRS website that said permanent residents and XXXX  should not fill out this form. XXXX didn't listen and even said that not filling out the XXXX XXXX could result in the revocation of our account. To add insult to injury, she even asked for my husband 's last foreign address, even though he's lived in the XXXX for over XXXX decades. 

The next day my husband went to the NBT Bank Branch on XXXX XXXX, XXXX, NY XXXX and told them what happened. They confirmed that XXXX was wrong and apologized to him. I had also asked XXXX to order a check book for me prior to my husband stepping away to withdraw money. The tellers at the NBT on XXXX XXXX, said that no check book was ordered, which indicates that XXXX believes that she was in the right and thought that our account would get shut down. In the end we decided to close the account, as we wouldn't want people like XXXX XXXX and her manager benefitting from our business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I, XXXX XXXX, S.S. # XXXX has had an issue with three of my accounts showing on my credit reporting status with XXXX, XXXX and XXXX ... I have a XXXX -- XXXX XXXX XXXX, XXXX, NC XXXX Credit Card that is not showing where I have paid since XX/XX/XXXX -- -Credit Card # is XXXX Exp. XX/XX/XXXX 4 digit code on back of card XXXX. I also have a second account that I am concerned about, which is my Mortgage which was closed on XX/XX/XXXX with Summit Lending and was sold shortly after to XXXX XXXX XXXX that is not currently showing since I purchased my home ... Account Mortgage Number is XXXX -- -Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX and XXXX XXXX XXXX Address is : XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX -- -Mortgage Amount Monthly paid is {$1200.00} -- NEVER BEEN LATE!!! Also, a third issue not reporting on the Credit Bureau 's are my car payment with XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, AL XXXX -- -Account Number is XXXX of {$560.00} Monthly Payments ... NEVER BEEN LATE!!! 
I would like to say that I went to XXXX since the COVID 19 - Pandemic to get a LOAN to help assist me with my bills since my husband 's job was depleted and unfortunately, they were going to give me a LOAN but said to me that nothing that I was paying MONTHLY was showing up on my CREDIT REPORT. I have been paying each of these LOANS ( Mortgage, CREDIT CARD, Car Payment ) for approximately 2 years each and NOTHING is showing up on my Credit Reports when they pull it. I was very upset and was not able to get additional funds to help me with my bills and would like for this issue to be resolved ASAP. I need assistance. I have a Fraud Alert from years ago of Identity Theft. I just need to show these reportings on all 3 Credit Files of GREAT PAY HISTORY : ) My telephone number is XXXX and my mailing address is XXXX XXXX XXXX XXXX, XXXX, NC XXXX. I sent over to all three Credit Bureaus a copy of my License, SS Card, Letters they requested when I could not reach them over the phone months ago to take care of this problem and I have not heard any thing back from them as of today and that's been approximately 8-9 months ago. I would appreciate if someone was to assist me immediately. Thanks in ADVANCE!
Product: Credit reporting or other personal consumer reports

While I was reviewing my most recent credit report, I noticed several inaccuracies on one of the reported accounts. This account is hurting my ability to rent a decent apartment for me and my family. Its my understanding that the credit bureaus will investigate this account on my behalf to ensure that it is accurate. Here is the account I am asking you to verify for accuracy Name : XXXX XXXX XXXX Account XXXX XXXX I appreciate your attention to this matter.
Product: Checking or savings account

XX/XX/2024 account blocked they released it a few days later XX/XX/2024 and account locked only today is Friday Monday is a bank XXXX. I will have no access to my funds for 4 days. Iam XXXX and have XXXX I need to pick up and pay for. 

Since they were made aware of my XXXX status they have done this every 3 weeks its discrimination
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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.