23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Bank of America ( BofA ) is engaging in a misleading and unfair business practice by inaccurately treating timely remitted credit card payments on the statement due date as delinquent, thereby subjecting the account to unwarranted " collection status '', late fees and interest charges. 

BofA 's unilateral time shifting technique is a significant generator of unearned revenue from its cardholders and windfall increases from across its customer base, by imposing both late fees ( e.g., {$25.00} to {$39.00} ) and penalty interest charges ( e.g.,18.24 % to 29.99 % APR ) to consumer accounts. 

Specifically, this subterfuge is accomplished by BofA 's disregarding and invalidating the local time at which payment is made ( if outside the Eastern Standard Time zone ). For example, a cardholder for an account based in the XXXX XXXX area, who timely remits payment in full for the statement balance at XXXX ( PST ) on the due date, will be automatically debited by BofA for an unjustified late fee and penalty interest charge on their next billing statement, even though payment was verifiably timely remitted in the ( non-EDT ) time zone where the cardholder resides. 

Additionally, BofA may incorrectly report the timely payment as delinquent to consumer credit reporting agencies, thus misreporting their payment history and damaging their credit score, credit worthiness or standing to lenders, rental housing providers and others who may use such agency information and rely in their accuracy and completeness.

Please note on the attached BofA current credit card statement the words " Payment Due Date '' ( highlighted in yellow ), which includes no written reference to a specific time ( geographically somewhere else ) by which such payment must be received in order to avoid late fees and penalty interest. A reasonable person would intuitively interpret the stated payment deadline as up to XXXX on the due date in the cardholder 's time zone ( where BofA 's statements are respectively mailed ). Indeed, there is no objective basis for any other presumption, imputation or good faith rationale. 

BofA can easily cause its bookkeeping software to accurately log payments according to local time, as other credit providers routinely do. Local time payment validity has been BofAs longstanding policy, and the opportunism cited here is a recent policy departure from a more honest and conscientious standard. 

Of course, BofA can correct its misbehavior seamlessly, as it already knows the cardholder 's identify, the time zone where the cardholder resides, and the precise moment when payment is being made in the cardholders time zone. It is simply choosing to ignore it to gratuitously increase its own corporate revenues at the expense of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.XXXX XXXX,XXXX XXXX XXXX,XXXX XXXX XXXX,XXXX XXXX  and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous and misleading. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$410.00}, XXXX XXXX XXXX XXXX  Balance : {$8.00}, XXXX XXXX Balance : {$5900.00}, XXXXXXXX XXXX XXXX Balance : {$23000.00}, XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX XXXX  Balance : {$950.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00},
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a dispute with Midwest recovery about the account covered by insurance showing as a negative account in collections on all three of my credit reports.
Product: Debt collection

All of the companies involved with this debt have numerous complaints against them for dishonest and illegal practices. XXXX XXXX XXXX and XXXX XXXX of Oklahoma, both violate consumer rights non stop. I filed a complaint against XXXX yesterday and in less than 24 hours they dismissed my complaint and closed it out. Their response was full of inaccurate information. 
Again, they have refused to provide my consumer disclosure file, ANY proof of debt validation or any other information as they are required to do in accordance with federal law. They have also refused to show proof that they are legally able to pursue this debt in the state of Oklahoma, especially considering they have admitted that they are not the original debt collector. 
In their response, they are trying to play games and say that my speculation from where this debt came from is completely false. There again, they have NEVER provided any proof or actual bill from the original source. They are now claiming that this is from XXXX XXXX XXXX, which I have NEVER been a patient at and is located in XXXX, Ok, NOT XXXX, Ok. The information on my credit file, indicates this is from sometime in XX/XX/2013. XXXX XXXX XXXX was struck by a tornado in XX/XX/2013 and completely torn down by XX/XX/2013. This is a verifiable fact, just like the fact, that I have NEVER been a registered patient at XXXX XXXX XXXX. Another verifiable fact, when one does a simple search for XXXX XXXX of Oklahoma, there are literally thousands of consumer complaints, where they have done the exact same thing to many other people, NEVER billing them, and multiple examples where they attempted to commit insurance fraud and were caught.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the incorrect information on my credit report for several months with TransUnion, XXXX, and XXXX and I have not been able to get the errors on my credit report corrected. There are several erroneous accounts on my credit report from creditors that I have never had an account with and I want this information to be removed immediately. I have never had an account with XXXX XXXX for {$740.00}, XXXX XXXX XXXX XXXX for {$630.00}, XXXX XXXX XXXX XXXX for {$910.00}, XXXX XXXX {$680.00}, XXXX XXXX  {$1200.00}, XXXX XXXX XXXX {$740.00}, XXXX XXXX XXXX {$440.00}, XXXX  {$740.00}. Please remove the incorrect information from my credit profile as it is negatively impacting my scores.
Product: Credit reporting or other personal consumer reports

UNDER FCRA ALL INFORMATION ON SOMEONE CREDIT REPORT MUST BE ACCURATE AND TRUTHFUL.
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 XXXX XXXX XXXX. 

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 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 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: Bank account or service

i deposit my money on friday and on saturday money desapire i ask the bank an they told me they dong know
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, the consumer in this matter. Requested my free annual consumer file in XX/XX/2021 from XXXX, Equifax and XXXX. Through their toll free number XXXX, thats on their website annualcreditreport.com. But I only received a file from XXXX. Equifax and XXXX failed to give me my credit file. I have attempted on numerous occasions to get my file. I signed up for Equifax for the free annual report ; but was only given the number of accounts I have on my file, not the full information that is in my file. XXXX only offers the report you have to pay for or it leads you back to the website they use together or annualcreditreport.com. I even sent an express overnight letter on XX/XX/2021 to them for my report and I have proof ; that they have received the request form in the mail but still, I didnt receive a file from Equifax or XXXX that is a violation of Title 15 USC 1681g ( a ) ( 1 ) ; Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
US DEPT ED XXXX {$3400.00} US DEPT ED XXXX {$2500.00} US DEPT ED XXXX {$4100.00} US DEPT ED XXXX {$1600.00} US DEPT ED XXXX {$3300.00} US DEPT ED XXXX {$7600.00} US DEPT ED XXXX {$5400.00} US DEPT ED XXXX {$4100.00} US DEPT ED XXXX {$1300.00}XX/XX/XXXX XXXX XXXX : {$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted 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 XXXXXXXX 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 XXXXXXXX
Product: Checking or savings account

On XX/XX/XXXX I tried to withdraw {$500.00} from XXXX XXXX  atm which is partnered with discover. The atm shut down mid transaction and did not give me my money or a receipt but still charged my card. I went into the bank and they told me I had to dispute with my bank. I disputed with my bank but they closed the dispute due to needing documentation. XXXXXXXX XXXX  says they can not give me documents and discover will not give me any other options but give them documentation I do not have.
Product: Credit card

Purchased a new XXXX XXXX and its advertised as no interest payments with the Apple Card. When I got my statement the whole balance was due. I felt that it would a hassle and their power would outweigh the complaint since its Apple and Golden Sachs so I paid it off to avoid huge interest charges
Product: Credit reporting, credit repair services, or other personal consumer reports

The vendor XXXX XXXX XXXX is involved in litigation and the item being reported falls under litigation items with the company. I am requesting all reporting to stop and previously reported information to be removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15usc1681 section 602, states I have the rights to privacy. 15usc1681 section 604a section2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Fox Collection sent me a bill in the mail inwhich I return it asking them to validate that I had an agreement with them and if they could not prove I had a debt with them to cease and desist all collection action. They have since reported this debt on my credit report. Fox Collection has yet to prove they are a holder in due course with the right to enforce according to XXXX XXXX XXXX 

Since I have no contract with Fox Collection, they have obtained my unpublished personal information and reported it on my credit report by means of fraudulant and deceptive methods according to the privacy of consumer reported in 12 CFR 1016, the right of the consumer to opt out of reporting nonpublic private information, 15 USC 6802, Regulation Z 12 CFR 1026 which states that a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

Fox Collection has not provided any notice of reporting information on my credit report, nor should they have my information since we have no contract giving them the rights of a holder in due course.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 XXXX added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and charged off and i am no longer responsible for the account. debtor creditor did not verify this account. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the XXXX has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
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. 

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

I wrote and had notarized a signed letter and sent it via certified mail through the USPS to Equifax. The letter was received by Equifax on XX/XX/2019. 
The letter requested the physical verification of creditors and the information be sent to me of their legal ability to collect a debt and/or physical proof verifying of these debts so that they may be removed from my credit report or remain listed. I have not received the results of the investigation.

The letter also requested my legal name be corrected and any/all not-correct names be deleted. Correcting my name was not performed and/or I have not received the results of my request.

The letter also requested incorrect addresses be deleted, the requested revisions were not performed and/or I have not received the results. On further review I have now found two more incorrect addresses that need to be deleted. 
The letter also requested verification of several hard inquiries and the physical proof of applying for credit be sent to me. I have not received verification of application for credit nor have I received information that they were removed from my report. 
The letter also requested my personal information cease being sold to marketers by placing a Promotional Suppression on my personal information. I have not received written notice that they are in compliance with my request. 
The letter requested the Fraud Flag and/or personal statement be Removed from my credit report. I have not received confirmation this was completed and/or I have not been given a copy of my new credit report with the required changes. 
The letter requested my telephone numbers be added to my credit report. I have not received notice of or received a copy of my credit report with the requested changes. 
To date I have not received physical proof validating any requests of a physical proof of the accounts or inquires or requested changes. 
The only physical letter received from Equifax was dated XX/XX/2019 requesting that I mail them a copy of my drivers license and social security card for proof of identity and current address. This redundant request was ignored by me because Equifax was already provided a copy of both documents and is not needed by law to comply with my request. This was a blatant stall tactic with the intent to harm my reputation and personal credit and reputation.
Product: Mortgage

After submitting my completed COVID 19 Forbearance request package in XX/XX/2022, I received a letter stating that you have received all the documentation you need from me and I should receive a response in the near future. After waiting some time, I called customer care requesting the status of my request only to be told I was approved for a VA traditional modification but my payment was late. I never received the decision letter and the customer care agent was able to confirm that the letter had NOT been mailed and flagged my account for escalation. 

I called numerous times during the next few weeks and the incident was escalated again with no response from legal or the escalation team. After receiving no response on the escalation and customer care agent and I agreed that it might be best to submit another package. I started on the new loan modification package in May and submitted the final document needed on XX/XX/2022. Approximately a week later I received a letter stating that no further documentation was needed and I should receive a response in the near future. I was still awaiting that decision when I received the letter stating that a foreclosure hearing had been scheduled. 

My home is being sold at auction on XX/XX/XXXX. I've requested an extension to try to sell the home myself because it has quit a bit of equity in it but to date I have heard nothing from Freedom Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, I reviewed my updates credit report and noticed that XXXX XXXX, XXXX, is reporting twice on my Experian Credit Repoert. Negative information is reflecting twice which is affecting my credit score. I'm the process of closing in my new home.
Product: Mortgage

On XX/XX/XXXX TIAA bank combined with XXXX to service my lone # XXXX with TIAA bank was changed to loan # XXXX. I tried to log on and make a payment. And was unsuccessful, then when I call there automated system states my loan payment was now {$430.00} my previous payments was {$420.00}. I tried repeatedly to contact the number provided and keep getting hung up on before I can speak to anyone concerning the increase of {$16.00}. Now I am a day late and have never been late paying the payment. No email was provided and not able to reach a real person.
Product: Credit reporting or other personal consumer reports

My information has been exposed to 2 different data breaches that I was made aware of. There is no telling who all have my information now. I was advised that XXXX XXXX have reported it to law enforcement. one of the companies affiliated with them ( XXXX XXXX ) was accessed with a data breach. I have seen address and phone number and credit issues on my reports. I have tried to dispute the errors with all 3 reporting agencies and they refused to correct it.
Product: Debt collection

I received a notice from Midland Credit Management on XX/XX/20 about a supposed credit card debit from XXXX XXXX XXXX. The they originally contacted me three months ago, I disputed this, but. when I reached out to them again today they said that their records were correct. 

I have knowledge of ever apply for credit with this bank. I have never received any credit card from them nor have I received any type of statements. I do believe someone opened this account in my name without my knowledge. 

The creditor is XXXX XXXX XXXX XXXX XXXX  and the MCM account number is XXXX. The last digits of the card are XXXX. They told me that I would have to download and fill out a form from you and send it to them. I do not see where I can do that. 

You can reach me at XXXX or XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im hearing that experian and other credit reports has been compromised and Ive been getting crazy calls from different marketing companies. I had to change my number which is connected to my job and school and other things.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX still reporting open with a balance on my credit reports. The account was paid off on XX/XX/2018 which is well over a month from now. This is a violation of the FCRA federal law and I will seek litigation if this issue isnt resolved immediately. The account should reflect paid in full with a XXXX  balance and never been late!