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

My account with XXXX XXXX TRANSUNION 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. 


XXXX XXXX TRANSUNION 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 or other personal consumer reports

I have disputed this case over and over. The fraudulent check was an IRS tax refund check. I told XXXX that I do not feel that this is my issue to repay. I didn't do it or even knew about the deposit until my account show {$990.00} in the negative.
Product: Credit reporting or other personal consumer reports

To whom it may concern please be advised my account with XXXX XXXX XXXX XXXX is a commercial business purpose loan and should not be reflected or reported on my personal credit report. Please have them remove any reporting on my personal income immediately. Any credit reporting should only be reported on entity
Product: Debt collection

Hello, I have a defaulted payday loan with Mobiloans. It was eventually taken over by XXXX XXXX aka XXXX XXXX. I believe in paying what I owe, so I made an agreement on XX/XX/18 with " XXXX '' at XXXX to have {$25.00} taken out of one of my credit cards every month. When I saw the {$5.00} cash advance fee also taken out, I called XXXX back up and cancelled this arrangement and stated I would call back to make another arrangement. Today, XX/XX/18, I was notified via email from my credit card company that this company tried to take out another {$25.00}. Totally unauthorized. I called XXXX and asked why. He stated " well, you never called back to make other arrangements. '' Isn't this illegal? Please advise. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

Signed up for an online medical course in XX/XX/2013. I was not able to complete the course I notified the loan company and school who would not cancel the loan disputed numerous times still keeps popping up on credit report. I am not responsible for the debt as I did not complete the course.
Product: Credit card or prepaid card

Received an unsolicited debit card from Netspend in the mail on XX/XX/2022. I have no dealings with this company. If the mail were intercepted it could have been activated by someone else without my knowledge.
Product: Checking or savings account

US Bank, I have overdraft protection paid fee forgiveness to bring my account to positive by XXXX MST each night when it gets charged to my account but this is false. On XX/XX/XXXX, I was charged {$36.00}, {$100.00} charged on XX/XX/XXXX, and {$36.00} charged on XX/XX/XXXX. I brought the account to positive but it's not according to US Bank 's standards. If it goes negative at any point, even though I bring the account to positive, the bank will still charge and not give any forgiveness. It is a grey area. I called on XX/XX/XXXX and spoke to an agent about this and they are like, oh no, we don't offer it on ACH but if you bring it to positive within 24 hours of it being drafted to the account, then you won't be charged the overdraft. I've looked and looked and couldn't find that stipulation in their terms and conditions! I made sure my account was positive on XX/XX/XXXX and, again, I get charged overdraft! It's never ending with this bank. What's the point of overdraft forgiveness if they don't even honor it!! 

They are misleading bank account holders with this overdraft paid fee forgiveness and don't honor any of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for months now. I can't get a job or apartment. I also cant apply for credit, due to pandemic I am in need of funding but can't get it due to your company.
Product: Credit reporting or other personal consumer reports

After recently being turned down from apartment I decided to take a look at my credit and I was in distress when I notice the incorrect items listed on here. I have called most of these lenders. And they are unable to give me information. Because I can not verify all the information. XXXX XXXX told me that account was open and a business name. I never had a business account. This is causing great duress to me and I need these items removed. I am unable to get a apartment due to this. 

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 XXXX XXXX, Hard inquiries XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX - XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX I Inquiry date XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX ADDRESSES XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I entered into a loan modification agreement with Huntington Bank. I met the qualifications of the loan modification payments and made my new payments on time XXXX, XXXX, and XXXX of 2021. Instructions as of the initial agreement said if I made payment prior to XX/XX/2021 that I would receive a modified loan agreement with the new payment. Huntington never sent me the new loan agreement. XX/XX/2021 I inquired as to where the new agreement was and was told the flex modification department was behind and to continue making the agreed upon payments. I have made the payments since XXXX of 2021 that were part of the loan modification every month that I was instructed to do in the amount of {$1400.00} and Huntington has repeatedly reported me as 120 or more late which is not accurate. I submitted the modification letter and the inaccurate late payments have not been removed from my credit report. When I call to make a payment numerous customer care agents at Huntington fail to see my modification agreement and tell me it does not exist until they take a while to look into my account and then they see it. Then they accept my payment.
Product: Vehicle loan or lease

the car was sticker price XXXX was not on vehicle,, calll XXXX gave them vin, XXXX rebate, XXXX down loan should of been XXXX, the contract was not given to me but was going to be mail out, GM gave me a copy, XXXX total this is fraud, esp when no sticker was on the window, the excuse the sticker was in didnt have one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called equifax to see why i have good standing accounts that are not being reported, i have contacted the companys first to make sure they have been and they have replied back that they have investigated and are for sure reporting accurate information. But when i contact equifax they tell me to contact the companys again in which i have done so but still have the same outcome
Product: Credit reporting or other personal consumer reports

Identity theft-linked accounts appear on my consumer report without my written authorization or wet signature. Following my recent communication, I formally demand the immediate blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial harm by misrepresenting my credit history and obligations. If not properly addressed, I'm prepared to take legal action to protect my rights and seek resolution. These fraudulent entries have impeded my ability to achieve crucial financial goals, including purchasing a home and providing for my family.
Product: Credit reporting or other personal consumer reports

I have contacted this company in 3 occasions this year with the most recent XXXX XXXX,2024 via usps. I sent in notarized documents letting this company know that my name is XXXX XXXX. This company purposely put my XXXX  sisters name reporting to all credit bureaus. I sent my license in and notarized documents to prove my last name isnt XXXX. Yet this company from what I perceive insists on reporting inaccuracies.
Product: Debt collection

I NEVER RECIEVED ANY COMMUNICATION FROM THIS COMPANY, I SPOKE TO XXXX AND THEY SAID I DONT OWE THEM ANYTHING, IM CURRENT. 


I WANT THIS DELETED
Product: Credit reporting or other personal consumer reports

Hi Equifax, I just received copy of my credit report and I found those fraud inquiries that shall deleted from my credit report. 

XXXX XXXX inquiry date : XX/XX/2024 XXXX XXXX XXXX  inquiry date : XX/XX/2024 XXXX XXXX XXXX inquiry date : XX/XX/2024 XXXX XXXX inquiry date : XX/XX/2024 XXXX XXXX XXXX inquiry date : XX/XX/2024 XXXX XXXX XXXX inquiry date : XX/XX/20XXXX XXXX XXXXXXXX inquiry date : inquiry date : XX/XX/2024 XXXX XXXX XXXX XXXX, inquiry date : XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns.

Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

I did call to pay off the total debt amount for the card and requested the account to be closed as well. I did pay exactly the remaining amount they said it was needed for it be closed. Next month, they were calling me again saying I own late fees claiming the last payment was made a day after ( which I dont believe ), even though is not my fault they provided wrong information with malicious purposes to keep charging me. I refused to pay money I dont own to them and well they sent me to collections and have TWO accounts against me. They justify their mistake saying the assessor who supposed to close the account was fired for his mistake, but didnt changed the status of the account and the amount is being increasing with the time, amount build by itself as late fees only.
Product: Money transfer, virtual currency, or money service

This is in response to your Complaint ID XXXX. 
1. The attached XXXX letter by Ms. XXXX clearly states that XXXX refunded {$990.00}, but Barclays bank never gave me that money. 
2. XXXX refunded this money, even though their policy states that refunds are not allowed. This took a lot of fact finding and discussion with other employees and the Manager, Ms. XXXX. I talked with XXXX, as Barclays bank had requested me do so. 
3. however, Barclays either pocketed or refunded my money fraudulently and without considering my points to XXXX XXXX 
4. As requested by you, I talked with Ms. XXXX XXXX, Office of the President-Barclays . However, she could not explain, as to why Barclays did not refund my money. Unless Ms. XXXX can prove that Ms. XXXX is XXXX, it stands to logic that I should get my money back. Thanks.
Product: Credit reporting or other personal consumer reports

This account for XXXX XXXXXXXX was opened on the following date ( XXXX ). Since then, the Date Of Last Activity has been inconsistently updated. On Experian the date last active was ( XXXX ) and on XXXX its ( XXXX ). If the information is coming from the same creditor, the dates should be the same. Both Experian and XXXX failed to investigate this account properly after I repeatedly ask to have this account updated. Your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : XXXX XXXXXXXX Acct # XXXX
Product: Debt collection

they told me they were going to fix my credit and settle the accounts however they stop paying monthly payments and my credit went way down then they told me to settle the accounts myself which I did and then they placed me inside another company which works with them for a higher interest rate and promised me 2 years debit free and now come to find out another 3 years I will be in that company called consolidation plus which they are mother and daughter companies.
Product: Student loan

Original loan service purposely kept me in default to collect outrageous fees and interest for years without every paying a dollar toward principal. I inquired about ways to get out of default but was n't given workable option. Told I had to make double payments for a year -- close to $ XXXX!! Finally knew someone on the 'inside ' of this corporation and they helped get me out of default. My loans were bought out but still have a have a loan balance equal to what it was even after paying thousands via default. Thinking I was victimized. ZERO communication from lender in order to keep me in default. How do I find out if I was taken advantage of while kept in default??
Product: Bank account or service

On XX/XX/XXXX a " Small Balance Adjustment '' of {$.00} was taken from my account. Four out of the last 5 months this same " Small Balance Adjustment '' has taken place. This " Small Balance Adjustment '' has happened on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX. Submitted complaints every month after this " Small Balance Adjustment '' occurred with no resolution to this matter except, not to keep a balance in the account that was an overpayment on my part. On XX/XX/XXXX I received a phone call from XXXX ( XXXX Ext XXXX ) and was told they expect to have the problem resolved by XX/XX/XXXX. Also informed her I did not want a check mailed to me for {$71.00}, which was the overpayment in my account. At this time I requested a letter be mail to me to confirm our phone conversation. As of today, XXXX XXXX, XXXX I have not received any letter to confirm our phone conversation. I did receive check number XXXX, dated XXXX in the amount of {$.00} which was the overpayment in my account as of XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX, a Customer Service Rep ( Employee XXXX ) in your XXXX, VA office. He suggested to place a stop payment on the above check, which he did on XX/XX/XXXX and the {$.00} ( amount of the check ) would be applied back to my account in 3-5- business days. As of today, XXXX XXXX, XXXX, the {$.00} has not been applied back to my account. I am requesting the {$.00} and the {$.00} in question be returned to my account which were removed at a " Small Balance Adjustment '' on XX/XX/XXXX and XX/XX/XXXX. Please also advise if the " Small Balance Adjustment '' problem was resolved on XXXX XXXX. If it has not please advise when the problem will be resolved. This issues was reported to Bank of America in XXXX, XXXX, which is 5 months ago, and still it is a on going issue. Per XXXX XXXX ( XXXX Ext XXXX ) I was informed the " Small Balance Adjustment would be resolved by XX/XX/XXXX. What happened? Please also inform me as to what steps Bank of American has taken to resolve this issue. Thanks for you help and please call me at XXXX and confirm our phone conversation with at letter stating what was discussed.
Product: Credit card

I got a phone call from " XXXX XXXX '' supposedly from US Bank Fraud Services. His phone number was XXXX. He told me that my XXXX  from Pennsylvania tried to use my credit card information. I told him I do not have a XXXX  in Pennsylvania. He asked me to verify my last charges and when he said XXXX XXXX XXXX, I could not understand him. I logged on to my account and my password was changed. I told him that something was wrong and HE told me the new password was XXXX XXXX  XXXX I used the new password and was able to verify the last charge. I asked was he sending me a new card and he said NO, we are putting special tracers on this account so " we can put these people behind bars ''. I ended the call and called the US Bank and told them what happened. They blocked my online account and issued me a new credit card. The XXXX Banking tech support told me to contact them when the new card comes in so I can get it re-setup with new card information.
Product: Payday loan, title loan, or personal loan

i applied for a loan they told me to fill out the online app i did they said that i was pre approved for XXXX all i had to do was give bank vitrifaction. i did the verification they received and has access to my account couple hours later i received the first email stating i was approved. so i signed the loan agreement papers stating how much my monthly payment was going to be and had the final amount and how many payments it was going to take to pay off loan amount which i agreed to i received an signed and sent back. 30min to 1 hour later i received another email stating i had money waiting for me, so went on break at work called my sons wedding plan to arrange final payment got off the phone with her decide to sign into the account and saw the denied on my loan after being told approved 3 times and signing the loan documents. dirty misleading and put a financial bind on me and my sons wedding plans. if it wasn't for the wedding id sue ive got copies and emails of this misleading issue. they think it's not a problem to XXXX with someone's personal life.
Product: Student loan

This company appears to be incredibly corrupt. When I was in high school, my parents unknowingly used this company for the majority of my loans, probably believing they were connected to the state itself ( as indicated by the company 's title ). When I graduated and did not have a job within my career, they did not allow any income based repayment or deferment, so I was forced to pay $ XXXX monthly from about a month after I graduated ( this does n't include federal loans I also owed ). I graduated almost 7 years ago, and my payment has only moved down to {$490.00} after consistent monthly payments since then. Roughly, I have already paid them over {$40000.00} with no late payments, and my balance is still somehow greater than {$40000.00}. I feel completely entrenched by this company, and there is no end in sight because they are a private loan provider. Their website is horrific, their customer service nonexistent, and I ca n't find any information about the company 's " acting director '' except that he provided incentives for students to write 5 star reviews on XXXX XXXX. I just believe something needs to be done about these business practices, and the source of their income needs to be investigated.
Product: Mortgage

United Wholesale Mortgage sent me a letter in XXXX of XXXX acknowledging fault and that they were going to rectify and update credit report they then sold my account to another lender and only partially rectified my account. Missing information for my property taxes and my homeowner insurance almost caused a lapse in insurance. united Wholesale was supposed to update new company that they sold my account to on insurance they did not. They were also supposed to update property tax info to bring escrow account back to positive. I am XXXX percent XXXX veteran with an exemption that I provided proof of XX/XX/XXXX. They also have not updated credit report which I found out after being denied for a pre-approved credit card. It is not the consumers responsibility to ensure that companies are doing there job and holding true to written documentation. It took them 8 months and me filing a complaint for them to take action the first time now 5 months later they have still only completed 25 % of said task. I am dealing with XXXX XXXX and can not keep cleaning up after the companies errors and mismanagement of accounts.
Product: Debt collection

I have an ongoing issue with XXXX for almost 3 years now. I returned their equipment at my expense on XX/XX/XXXX and it was delivered at XXXX I was told that I would be charged {$350.00} for an early cancellation fee which was untrue as they kept changing their minds and decided to bill me whatever amount they felt like billing and whenever they wanted to. First I'm told {$350.00}, then I'm billed {$480.00} and then they tried to charge my credit card {$650.00} on XX/XX/XXXX-they 're not consistent. To continue, I wasn't credit for the returned equipment AND THEY ADDED {$53.00} A MONTH TO MY BILL FOR PREMIUM CHANNELS THAT I NEVER ORDERED/AUTHORIZED WHICH I WASN'T CREDITED FOR EITHER. I have so many letters, emails, many addresses for XXXX and no one ever replied. I have received calls from collection agencies. I had to start making payments as they were ignoring my requests for review account etc ... and in the end I realize that they truly want to get {$650.00} from me more or less for the following reason : As of XX/XX/XXXX I've paid XXXX {$400.00} and this month I received a letter from Diversified Consultants showing that my balance is {$240.00}, add the XXXX that I've paid and the total is {$650.00} which is ridiculous in so many ways. I know that many folks have filed complaints against XXXX and with good reason-look what they did to me and continue ... I've asked many times via postal mail to review and reduce my bill but they never did-they don't care, they don't have problems sleeping at night nor they have a conscience so why should I allow this to continue when they owe me money? It's always the same ... Last, while I am retired I'm also XXXX and they didn't care about this one bit nor did they care about how their lies added to my daily, XXXX XXXX.
Product: Vehicle loan or lease

I Have Reached Out To Capital One Several Times Regarding Financial Auto Loan. & they have refused to help me Im really confused. And would like some assistance.