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

My account with ( 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. 


( 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 or other personal consumer reports

My account with 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 those account 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 Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this informati

on 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

Collection companies have inaccurately reported balances for accounts that have been either closed or paid off. Ive reached out to companies with my account numbers requesting for proof to validate the owed debt they say I was responsible for paying to no avail I have not receive proof of a contact agreement between me and these debt companies. Ive also requested that TransUnion, XXXX and XXXX update and correct my personal information that I am no longer or have not been associated with and that has not happened. Theres is a bunch of false information on my credit report that I am eager to correct.
Product: Debt collection

On XX/XX/2020, I submitted a notarized request to XXXX  Credit Bureau to verify and validate negative items. The 30-day window allotted by law to investigate was never honored and even after many attempts have still been ignored. I have asked to have these items deleted but to no avail. I am asking the CFPB to enforce the law as stated in the fair credit reporting act. 

The negatives are : CHRYSLER CAPITAL XXXX XXXX XXXX XXXX
Product: Debt collection

I dropped a class from XXXX university within the allotted time. They still charged me for the class. They then referred me to their collection agency which never wrote or contacted me. They just put it on my report. When i called them they had the incorrect information. But they stilled kept it on my report and are reporting as reported correctly. I disputed electronically with the bureau but they came back that said it is the correct debt. This is a false debt that is reporting on my credit report
Product: Debt collection

Debit collector called my boss at work and left a message and then proceeded to give him information about this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with Equifax, XXXX, about credit alerts on my credit report. I do understand that they are protecting me as a consumer but this is ridiculous. I am unable to obtain a Mortgage Loan because Equifax does not remove the credit security alert on my file, which I originally filed to put in when there was a breach of credit in 2017 with XXXX  and another company which name I can't recall. I have faxed them, email them, US postal service and only XXXX had it removed. 

I have several disputes that do not belong to me which have been reported but continue to appear in my credit report. I am a member of XXXX and have contacted them on several occasions but the representatives have hung up twice on me and I am at the point of pulling my hairs out! 

This is unacceptable and unprofessional. I have sent them my California Drivers License a copy of my Social Security, a current bill of my present address, tax verification all that they have requested and the problems still remain there. I have verified my identity over 15 times and they still do not proceed to assist me. If I was an Identity Thief I would not contact your office nor continue to battle with none of the consumer credit reporting agencies. Please help. I have documentation that I have sent Equifax, XXXX, and XXXX.
Product: Debt collection

so back in XXXX, I found out that I was a victim of identity theft through IRS, so I have filed several reports to credit bureaus, law agencies so pinnacle credit for XXXX XXXX, was open in XXXX but I have not been able to get this out of my credit report even after several attempts proving its not my bill
Product: Credit reporting, credit repair services, or other personal consumer reports

My last name has a typo that needs to be corrected. My last name has an " A '' at the end, not an " O ''. 
This typo seems like an alias which I don't have or use or need to use ever. 
This last name has a typo most likely made by a clerk unbeknownst to me.
Product: Debt collection

I received notification and phone call from National Credit System about a debt said owed to XXXX XXXX, I contact XXXX XXXX in regard to why i was receiving calls from National Credit System. XXXX XXXX XXXX stated that the previous property management showed I owned a debt but they could not locate the owed debt or a file belong to me. I have documentation on final payment and a move out clearance letter from XXXX XXXX that no balance are owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On credit report : Item # XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) In accordance with the FCRA XXXX  15 USC 1681 Section 602 A states have the right to privacy.

15 USC 1681 Section 604 A Section 2 it also states consumer reporting agency can not furnish an account without my written instructions.

I have reported previously to the three bureaus, FTC and creditors of FRAUD on the above-mention two accounts.
Product: Checking or savings account

For many months now, the transfers that I schedule manually or automatically at Capital One ( Spark for business ) have continued to be either canceled or I get an email stating they are having issues. I believe they are purposely doing this to avoid paying interest. I have called multiple times, and they continue to tell me they are working on it. In the meantime, I can not make interest from the money and must keep it in the checking account. This has happened since the lawsuit against them took place. Before, this was never an issue since the interest rate they provided was so lousy. Now that they have been sued, they are internally doing anything within their power to avoid the money being transferred to their accounts. I just called yesterday from a call I had done in XXXX, and they keep telling me they are working on it. 

I was already a victim of forcing me to change my savings account. This company is certainly corrupted. I am going to close all my accounts with them for sure.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor Opened XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) Account status Open Type -- Account paid for less than full balance Paid collection Original creditor name XXXX XXXX XXXX XXXX XXXX  This account is CLOSED!! Please remove from Credit Report
Product: Mortgage

I am a first time home buyer that began shopping around for a home mortgage loan. I made contact with XXXX XXXX of HomePlus Mortgage. On XX/XX/2019 XXXX XXXX had me sign documents that required me to provide a credit card for a {$500.00} appraisal and sign an intent to proceed despite not receiving a loan estimate. The document 's wording was as such : " By signing below, I/we express intent to continue with the application for which a Loan Estimate was issued on ________. '' No date was given because I had not received a loan estimate. The document for the appraisal fee also contained wording requesting a contact number and best time to contact me to " schedule an appointment. '' I expressed my concern to Mr. XXXX about paying {$500.00} for the appraisal and he advised that I would not be charge until the disclosure. On XX/XX/2019 I received the loan estimate from HomePlus Mortgage. On XX/XX/2019 I advised Mr. XXXX that I would be reviewing the disclosure with my wife. After comparing HomePlus Mortgage 's loan estimate with other mortgage lenders I advised Mr. XXXX on XX/XX/2019 I declined his offer and that I would be working with another loan company. Between XX/XX/XXXX and XX/XX/XXXX I had no conversations with anyone from HomePlus Mortgage indicating that I accepted the loan estimate. On XX/XX/2019 I received a text from Mr. XXXX stating that I gave him fake credit card number and demanding {$500.00} for the appraisal. I indicated to Mr. XXXX that I did not give him a fake credit card number but had cancelled said credit card and that I never accepted the loan estimate HomePlus Mortgage. When asked when he ordered the appraisal Mr. XXXX refused to answer. HomePlus Mortgage continues to demand {$500.00} and threatens to send the matter to a collection agency and/or contact the police for " fraud. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I've disputed fraudulent accounts, inquiries and personal information multiple times with the bureaus without a proper or fair investigation. Its been six months and I need these items that I have disputed removed from my credit reports immediately.

Please see the letters, ftc report and my ID attached to this complaint. 

Thank you
Product: Credit card or prepaid card

At the end of XXXX and the beginning of XX/XX/XXXX I submitted a payment for my Banana Republic credit card for XXXX XXXX It was a time when Banana Republic was converting from XXXX Bank to Barclays. The personal check was issued to XXXX Bank. The money was withdraw from the account on XX/XX/XXXX by XXXX Bank XXXX never acknowledged receiving the amount of XXXX XXXX Every month I am receiving a Banana Republic credit card statements from Barclays for that amount including late fees every month. I am not using this card since the issue started back in XXXX XXXX. I made numerous calls and spoke to so many customer service representatives, relationship managers and supervisors, but they were not able to resolve an issue. The were keep reopening the cases XXXX after another over the XXXX past months with no resolution of the problem. As per Barclays, they never received the money and as per XXXX Bank, the check for XXXX $ was returned to Barclays. The check was never returned ( see attached documents from my bank and the letter from bank XXXX ). XXXX Bank keeps telling me that the money was returned to my bank, but they are not able to provide me or my bank with the proof. They acknowledged they experienced so many issues during the conversion period, yet they do not want to take responsibility for the missing money. As of right now, XXXX  months later, both XXXX bank and Barclays say they are unable to resolve the problem and they expect me to pay XXXX $ again. 
As of today, XX/XX/XXXX, I just received the statement from XXXX bank saying " .. your payment was included in XXXX  trailing payment request # XXXX, sent to Barclays Bank of Delaware on XX/XX/XXXX, XXXX at this time, we encourage you to contact Barclays Bank in order to provide the transmittal information and discuss the payment '' ( see attached document )
Product: Checking or savings account

i have been trying to help my wife get in to her bank account where see gets a ssa payment this all started on XX/XX/2021 and we have done everything they have asked for to do and still noting, my wife went all out and gave me power of attorney so we sent all that in like they asked us to do and we get nothing in return
Product: Checking or savings account

On XX/XX/XXXX XXXX I deposited a personnal check from my son for {$70000.00} drawn on his XXXX XXXX account. He had funds in his account from a recent sale of a previous home. Two days later, he mentioned that the funds were debited from his account. I deposited the check with Truist bank in XXXX GA, his bank being XXXX XXXX in same XXXX XXXX On XX/XX/XXXX XXXX XXXX I received an email from Truist that the total funds exceeded {$5500.00} and the balance would not be made available until XX/XX/. After several calls to Customer Service at Truist Bank during the time of XX/XX/XXXX thru XX/XX/, the only response I received was, " I'm sorry '' and " Do you want to speak to a supervisor? ". On the first call I did speak to a supervisor who gave me no answers to my questions, Why does it take so long to clear the check? and what is the process that takes 10 days, when the funds have already been debited from my son 's account at XXXX XXXX?
Product: Debt collection

I have disputed XXXX XXXX XXXX ACCOUNT XXXX and they are claiming that the information they are reporting is correct and verified! Even the credit bureaus report that the issue has been resolved according to the creditor. The issue was not resolved and definitely incorrect and has been reported for several years which cost me a lot financially. The mentioned account is a secured credit card for only {$300.00} and XXXX is charging me SEVEN TIMES the original amount! From what I 've read online, according to TILA ( TRUTH IN LENDING ACT ), legally, only 10 % interest can be charged. These incorrect pieces of information they are reporting has damaged my creditworthiness for several years. I could not even afford the interest for new loans. They gravely violated FCRA and TILA.
Product: Credit card or prepaid card

On XX/XX/XXXX and XXXX of 2023, I went on a XXXX XXXX. There was an issue with my sail and sign card giving me an error code of XXXX. I went from machine to machine and sometimes it worked fine and other times I received the error code. What I didn't know was every time I received the code, I was being charged. I showed 3 attendants at XXXXXXXX what was going on and they did know what the code meant. When I showed them the error code I was charged XXXX, just for showing them what was going on. I received a print out of my charges and on the 1st day and 2nd day of the cruise I was charged around XXXX to XXXX. Its that did not make. I went from customer service to casino and they printed out a report that said I had charged it. I told them to look at the surveillance video and they would be able to tell what was going on. No one at XXXX or XXXX XXXX  XXXX would listen to me and they never would allow me to view the surveillance. I called XXXX XXXX office from the ship and the lady said she would look into it. A few days later the holds were lifted off of my account so I thought everything was good. As soon as I leave the ship they put the charges back on my accounts. I have several credit cards on file with XXXX and they were all charged the fraudulent charges and all of the cards keep putting the charges back on my accounts. Then I will call them again because XXXX keeps sending them the paperwork that says I charged that much. They will not send the surveillance which is what is needed. XXXX XXXXXXXX allowed them to go over my credit limit by XXXX and they are refusing to adjust. I have been back and forth with them all and I am getting no where. This has been going on since the XXXX of XXXX in dealing with XXXX and I have been dealing with my credit cards since XX/XX/XXXX. Nothing is being resolved and I did not make those charges. My credit rating has dropped dramatically and no one will help. This is unfair and I want justice.
Product: Mortgage

I had a mortgage with Wells Fargo. I had got behind on monthly payments. We were in the process of remolding the house in order to sale it. While away XXXX week, we returned home to find the house had all the locks changed. The house had been winterized and electrical tools were missing. I had contacted the police and they said the mortgage company had changed the locks. I contacted Wells Fargo. They said that when someone gets behind on payments, they sent someone out to see if the house is still being lived in. They said the house appears to be XXXX. I explained to them that we were in the process of remodeling the house. All of our personal belongings were still in the house and we had XXXX  and tools in the main living area. XXXX informed them that some of the XXXX XXXX  were missing. We changed the locks back and continued with the remodeling. The following month, we had to be out of town again for a week and when we returned home, they had changed the locks again. Called them again and they repeated the same thing. I received a letter telling me I had to pay over {$10000.00} to make the mortgage current. This amount included all types of extra fees and the cost of sending people out to change the locks and winterize the house. We were only behind XXXX months on payments. This mortgage was under my XXXX name of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was employed by a legit company and according to Bank of America multiple wire transfers I received from this company to my Business Checking in a period time of more than 3 weeks all the transactions funds was made available to me for days until they deactivated my account for what I was told by multiple representative of the bank that was for routine methods. I was told first that it was most likely because my account was fairly new and that due to the large wire transfers they needed to verify where the funds had came from. I provided all the documentation I have in regards to who sent and the reason the funds was sent to me. I have detail email communication between me and the company who sent the money. I provided all the information voluntarily. Once they identified that the transactions was unauthorized they decided to close all my accounts and the only explanation given to me it was because it was a business decision. I was sent a letter from Bank of America that they had reported the  fraud to XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX and that I may be affected by their decision open other accounts with other financial institutions. I believe this is unfair and unethical given the reason I am myself a victim of identity theft by the employment scam and fraudulent activity. I am XXXX XXXX XXXX  and had been under a lot of stress and uncertainty since this happened creating health risks for me and my XXXX   XXXX. I am working on getting my XXXX  license and this situation can affect me in a negative manner or even prevent me from getting my license. Bank of America has all the documentation that clearly shows I am a victim of fraud. I will send any documents via email upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is XXXX XXXX XXXX. 

This delinquent account record is inaccurate because I did not miss payments between XXXX and XX/XX/2017. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent. 

Please investigate this matter and correct the disputed item as soon as possible. 

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

Hello : I am filing this complaint against Jefferson Capital Systems , LLC. They are a debt collection agency that is reporting on all three of my credit reports ( XXXX, XXXX and XXXX ) and they should not be. 

I want them to delete their tradeline from all three of my credit reports immediately. 

This account is closed and should not be reporting anymore. 

Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX This is a result of an old account with XXXX XXXX and it is closed and old and I think because of Jefferson Capital Systems , LLC it is reporting twice on my credit reports. Please remove this information from my credit reports immediately.
Product: Debt collection

My XXXX doctor for the last four years billed the wrong insurance company ; then before they billed me, or called me, or talked to me when I had quarterly treatments at their office, turned me over to a collection agency. 

We called them and talked to three staff members in services, billing, and authorizations to explain the issue. They ignored us. 

I paid the whole bill out of pocket and will wait for them to bill the right insurance company so I can get reimbursed. People with less money that I have would not have this luxury. 

Both companies administration services are incompetent.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX agreed that I would pay a {$1900.00} by XX/XX/2019. In return they would not contact my new employer. I told them who I worked for and paid the total amount by the due date. They still contacted my employer before the due date.
Product: Credit reporting or other personal consumer reports

I have tried to reach out to ALL financial several times and no response or reply from them. they have changed my account status on my credit report several times from current to charge off. i have discovered that XXXX XXXX has sold my account to a XXXX party, but has not reached out to me to discuss my account. I turned my lease back in to XXXX XXXX and never had a missed payment. I have sent this
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX Balance : {$370000.00}