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 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

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist.. ( please remove this account before I seek litigation for defamation of character ) XXXX XXXX {$110000.00}, XXXX XXXX {$14000.00}.
Product: Debt collection

Have sent them 3 certified letters to dispute and substantiate the debt. All 3 have been ignored and no action was taken. They are in serious violation of the FCRA.

Letter # 1, Sent XX/XX/XXXX, Signed for XX/XX/XXXX, formally disputed debt, they failed to update my credit reports to indicate this within the required 30 days Letter # 2, Sent XX/XX/XXXX, Signed for XX/XX/XXXX, indicated that they violated FCRA by not updating my credit reports within the 30 days, received form letter not addressing issue Letter # 3 Sent XX/XX/XXXX, Signed for XX/XX/XXXX, requested substantiation of the debt bearing my signature, received same form letter I have retained copied of the certified letters sent, certified mail confirmation and all documentation related to this matter should you need copies or clarification.
Product: Checking or savings account

On XXXXXXXX, I deposited my payroll check with Bank of America because my direct deposit was caught up in a transition between accounts. Bank of America put a 5 day hold on my check stating it would be released at XXXX XXXX  on XXXX/XXXX, in writing. No probably or might be extended. The funds were not released and I called my bank and while on hold at XXXX XXXX on XXXXXXXX, I called the bank and checked my email and found an email stating they decided to put a hold until XX/XX/XXXX. This is a payroll check from the XXXX XXXXXXXX XXXX XXXX in the city, I can not pay bills, buy food or anything because they have held my money for this long. Their response is oh well, even when I stated I would file that complaint. 3 supervisors pretty much state that it is not their problem. 

This is on top of having funds that they stated were returned to another party sitting in my closed account stating they didn't have it the week before. While that was resolved there seems to be a pattern of holding deposits and not letting people have access.
Product: Checking or savings account

I am having problems with credit karma. I have attempted since XX/XX/year> to add a telephone number and change password. It has been a run a round via email and on XX/XX/XXXX they claim to have mailed a check in the amount of XXXX of which never arrived. I talked with the USPS and the check never came. I have asked for a reissued check and they continue to circumnavagate me. I just want my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially noticed a new XXXX XXXX credit card on my credit report which used a different address and birthday in XXXX of 2021. I disputed it immediately with Experian but was told to contact XXXX XXXX. 
I initiated a fraud complaint in XXXX of 2021 and was informed by a letter from XXXX XXXX that since the account was being paid then it was not fraudulent. I immediately contacted XXXX XXXX again and disputed the decision. Again, I was notified by a letter that its not fraudulent since the card is being used. A second XXXX XXXX card had just opened under my name which I did not apply for in XXXX XXXX. I plan on disbursing the new card as well. XXXX XXXX somehow continued to refuse canceling the fraudulent account. The reasons they provided did not make any sense. They didnt ask for proof of identity during the dispute or fraud investigation.
Product: Credit card or prepaid card

This complaint is in conjunction with complaint XXXX. Initially I was unable to use my card for several months upon credit approval. Several attempts to contact hsbc and several hours of being put on hold and hung up on lead to my initial complaint.

Now, I have completed the online banking months ago as well to manage my account. HSBCs initial classificationof my account has caused me not to have the ability to log on, I have also stopped receiving paper letters in the mail showing me my statement. Since opening I have made one payment over the phone for the complete balance. However now I do not know the remaining payments or due dates which is preventing me to make my payment and ensure I have a XXXX  balance. 

I hurt my credit by opening this account with the intention of using rewards points, benefiting from the annual match of points, using my rewards points, and benefiting from the 0 % transfer. 

I was forced to open an additional card to perform the balance transfer, further harming my credit score. I am unable to use my rewards points because I can not log online. I have been prevented from using my card for several months limiting the benefit I would receive in rewards points and more importantly the annual match. I can not make a payment on this account due to unknown balances which I have never had a late payment and am afraid this may occur due to the mismanagement of opening this account. 

In addition to the hours spent already in the aforementioned complaint I spent additional hours trying to fix my online banking issues. I have attempted several days to contact customer service and resolve this issue. They continue to transfer me from to different departments until I drop from the conversation. Attached are additional documents of me attempting to open my online activity. 

In the aforementioned complaint HSBCs response rewarded me with {$100.00} in rewards points. This is an inadequate amount based on the harm this experience has caused to me credit score and the inability to use the benefits of the card which is why I opened it. Additionally, I can not use any of the rewards I was provided because I can not log on to my accounts although several customer service agents confirmed I opened my online accounts correctly.
Product: Student loan

Called about 10 friends and family members saying that I owe debt when they have my address and phone number
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find an unauthorized inquiry on my credit report, and I have no idea how it got there. I check my credit regularly, but this time, unexpected discrepancies appeared out of nowhere. I even tried refreshing my browser, hoping it was a glitch, but it wasnt. The unauthorized inquiry remained. I need this issue addressed immediately by carefully reviewing the documents I submitted so I can stop worrying about this.
Product: Credit reporting

On XX/XX/2017 upon looking at my credit report i saw that inquiries from XXXX, XXXX XXXX XXXX, XXXX, XXXX , XXXX and XXXX had been removed from my Transunion report on XX/XX/XXXX. Then on XX/XX/XXXX inquiries for XXXX, XXXX, XXXX ( XXXX were added ), XXXX, XXXX ( XXXX were added ), XXXX, XXXX. I did not receive notification on such changes to my report within 5 days as stated in the law. I am requesting TRANSUNION DELETE these inquiries as they are in violation of the law.
Product: Debt collection

I received a letter in the mail from MRS Associates about a XXXX XXXX collection bill of {$530.00}. The letter stated I had until XX/XX/2022 to dispute. I followed the directions on the paper but mailing and emailing the dispute on XX/XX/2022. I requested an investigation within 30 days. I still havent heard anything back. I did not receiving anymore information validating the debt, proof that the amount or cancellation debt was correct. It appeared on my credit report in XXXX for {$990.00} which is illegal and a violation of my consumer rights. 

I dont even have XXXX XXXX I have had XXXX XXXX XXXX  since XX/XX/2022. I have the same phones for 2 years. It doesnt make sense. 

I feel robbed of my rights and I am thinking about seeking legal counsel. My credit score drastically decreased and this has made me depressed. This is extortion.
Product: Credit reporting or other personal consumer reports

Last summer we received a registered letter from our mortgagor, Mr. Cooper, stating that we were in trouble with our mortgage and if we needed help paying our mortgage call the number on the letter. We immediately called Mr. Cooper asking what the letter was regarding as we had never made a late payment ( my husband and I are both seniors and widowed ) and I personally had perfect credit and no money issues, neither does my husband, XXXX XXXX. They told us our payment ( I believe for XX/XX/XXXX ), was short because our escrow account had a shortage. They said they sent an email to both of us but neither of us receivedthe email so we both went back and looked for this notification via email that our Homeowners with XXXX ( our XXXX insurance at the time ) had increased. The payment we made that month was more than the monthly amount as we pay extra toward our principal each month but still short by a small amount ( under XXXX dollars as I recall ). XXXX never sent notification of an increase for our XXXX either. We paid the shortage on the call with Mr. Cooper with our card the day we received the registered letter. After they reported our account delinquent and my credit score has decreased by XXXX points!!! I am XXXX and have never paid late, never had a delinquent account and pride myself on my credit worthiness. The mortgage I had on my home that I sold in XXXX was never late and paid ahead of the 30 year mortgage I carried on XXXX XXXX XXXX XXXX XXXXXXXX WA XXXX. 
I understand that new lack of regulations allows creditors to report someone " late '' for just one time event even though there was no proof provided that they sent us notification of an increase occurring. Since then I sent a letter to Mr. Cooper via their website complaining of this practice and how unfair it is. I have received no response.
Product: Money transfer, virtual currency, or money service

I had done business with cash app for awhile and I had about XXXX in my account I ordered there {$50.00} metal card and the next day my account was shut down depleted and nonrefundneas giving and because I had no reason 800 number to call I lost all my money
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX CA XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX, XXXX  XXXX : {$2900.00}
Product: Debt collection

The collection agency " The XXXX XXXX '' called me numerous times. This morning they called again from XXXX and I answered. They asked to speak to XXXX XXXX, who is my XXXX year old mother. I told theM she was asleep and XXXX. The Representative XXXX XXXX asked if i would wake her up and i said no i would not and asked if i could help them as i am her son. She then explained that she was a debt collector and that my mother owed money to someone - I did not catch to whom - at this point I explained that she had violated the Fair Debt Collection Practices Act by disclosing to me a third party that : A. Who she was B. Who she worked for C. That she was a dept collector D. Who her client is She began to try to talk over me, insisting she had not violated the law. 

I asked for her name which she gave willingly, but I had to ask her a few times for the name of her company and she all but refused to give me her phone number saying " do n't you have it on your cell phone? '' I told her that the number that appears on my cell phone may not take incoming calls and that I wanted the correct number to her company, which after a few more requests she gave me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Edfinancial continues to reverse all payments I make and puts my account in delinquency. I've been trying to make payments for months and they won't take it.
Product: Credit reporting or other personal consumer reports

hi, i reviewed my credit report and noticed some fraudulent accounts. could you please remove these accounts from my credit file report because they are affecting my ability to obtain credit. 

XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXXXXXX XXXX Account number : XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX Date opened : XX/XX/XXXX 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Midwest Recovery Systems reported a debt of {$450.00} to my credit report. I do not nor have I ever held any account with said company. This company did not notify me in writing of any debt that I have with them Furthermore, this company is not licensed to collect in the state of Texas.
Product: Credit reporting or other personal consumer reports

Theres a bankruptcy on my credit report that dont belong to me i am uploading XXXX XXXX  report stating they removed it
Product: Credit reporting, credit repair services, or other personal consumer reports

REXXXX  Dear CFPB : The company did not remove derogatory information from my credit report based on the creditor pay history documents I provided them. As in the previous 9 disputes, they say the creditors verified the inaccurate information on my credit report is accurate, when the documents they provided to me and I, in turn, provided Equifax prove otherwise. 

Results, more time wasted, nothing done and Im being financially harmed because Equifax has not complied with the FCRA laws. 

BTW : Your portal says that no complaint was ever filed by me. There was no way for me to monitor or respond. 

Thank you. 

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

XXXXXXXX XXXX, TransUinon, XXXX and XXXX are reporting inaccurate information on my consumer report. XXXXXXXX XXXX didnt have permissible purpose to pull my consumer report on XXXXXXXX XXXX This unauthorized inquiry was not authorized by me. I didnt apply for credit with XXXXXXXX XXXX or any other credit provider on XXXX XXXX I have provided my Massachusetts state issued driver license as proof of my identity.
Product: Vehicle loan or lease

My complaint is with Santander Bank. I purchased my vehicle at the XXXX dealership in XX/XX/2016, new, at roughly {$20000.00}. I have never missed a payment, and have always paid more than the minimum amount required. I have paid over {$23000.00} but yet still owe {$15000.00} on the vehicle. My interest rate is 24 %!! I was told by the lender as long as my payments were met on time, the interest would drop. I have tried to refinance at other banks to get a lower interest rate but no one will touch the loan because the loan is considered " upside down ''. Basically the car is now worth about {$12000.00} and my loan is more than that. I checked my payments to find only about {$110.00} of my {$600.00} payments was being applied to my principal, even after requesting them to apply the extra payments directly to my principal balance. I contacted Santander to see if, due to my excellent payment history, would they refinance me and they told me no, they don't offer refinance. I discussed returning the vehicle and was told they would make sure it stayed on my credit for up to 7-10 years and it would prevent me from financing other vehicles, or even a house. I've been a perfect customer to this company, I've paid them well over what my car was worth and what my loan was for. They have been rude every time I have reached out to them and have offered no help nor logic reason as to why I still owe them {$15000.00}. They are predator lenders and take advantage of good people just trying to make a living and have a reliable vehicle. I wish to be refunded the extra money i paid over what my original loan was for and to be considered as PAID. I wish for someone to look into them and request them to lower their interest rates, and at least give good customers the option to refinance at a lower cost after establishing a good payment history. My credit is better now than it was when i purchased my vehicle, but due to the large balance with Santander it throws off my debt to income ratio so I don't qualify for buying a house or another vehicle. I just want to be done with them so I can move on and begin the home buying process for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute to Equifax in regards to a fraudulent, unauthorized, collection account that is on my credit report. I wrote a letter stating that the account did not belong to me and indeed was a fraudulent account. I sent over the FTC Identity Theft report Affidavit as well as a police report, copy my credit report with the fraudulent account highlighted, as well as section 605 ( b ) from the FCRA.. On XX/XX/XXXX I called Equifax to check on the status this claim and I was told that they could only see the affidavit and they would need me to submit another copy of the police report. On XX/XX/XXXX I sent over not only a copy of my police report but also a copy of my credit report with the fraudulent account highlighted, a copy of my identification, a copy of the affidavit, as well as another copy of section 605 ( b ) ... On XX/XX/XXXX I call and Equifax and no one is able to assist me ... They kept telling me that it was in dispute but per the law it has to be blocked in 4 days while there is an ongoing investigation .... I am attaching a copy of my police report, affidavit, copy of identity theft, as well as a copy of the 605 ( b ) section ...
Product: Checking or savings account

I made a transaction on XXXX using my Chase XXXX account to which I was scammed. I called Chase to make a claim and spoke to a claims supervisor named XXXX ( badge # XXXX ) and she told me that I had no recourse of action. I questioned her about regulation e and she informed me that XXXX doesn't fall under this. The scammer received {$120.00} from me and she didn't even want the information to investigate the details saying that it was not the bank 's responsibility to shut this scam down. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to Transunion and they received it XXXX XXXX, 2017. I sent in a letter requesting TRANSUNION not the creditors, to verify specific accounts that are listed on my credit report. I clearly understand that the FCRA requires Credit Bureaus to provide all documents stored on file that were used to verify the information that is being reported on me when requested. XXXX is disputing the with the creditors I listed in my letter. However, this is NOT what I requested Transunion to do. This letter has nothing to do with the creditors.  I am specifically asking Transunion to provide me with proof of these accounts, written contracts or any information to validate the debt, they responded saying they do not have that information. Therefore, the listed accounts are unverified. I am fully prepared to take legal action in order to protect my rights under the FCRA. I am requesting the unverified accounts be deleted immediately under FCRA section 609.§ 609.  Disclosures to consumers (a)  INFORMATION ON FILE; SOURCES; REPORT RECIPIENTS.--Every consumer reporting agency shall, upon request; and subject to section 610(a)(1), clearly and accurately disclose to the consumer: (1)  All information in the consumer's file at the time of the request*I also sent Transunion a photo copy of my Drivers License and SS card*
Product: Student loan

I called FedLoan Servicing to ask a question. The computer voice said wait times were longer than 20 minutes and to press 1 in order to receive a callback without losing your place in line. Instead of being offered a callback, the computer system repeated the same message, no matter how many times I selected the 1 option when asked to do so. Finally, FedLoans phone system hung up on me. This is only the latest example of how pitifully bad FedLoan Servicing behaves towards federal student loan borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the XXXX reporting companies asking them to investigate the bankruptcy that's reporting. ACCORDING TO 15 USC 1681i INVESTIGATION HAS TO BE CONDUCTED WITHIN 30 DAYS WITH THE COMPLETED RESULTS. THEY HAVE YET TO RECORD THE DISPUTED INFORMATION AS WELL, THATS ANOTHER FORM OF VIOLATION.