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

XXXX XXXX, has been charging late fees before posting payments to my Wal Mart, JCPenney, and XXXX XXXX cards. This resulted in a negative effect on my balance, never being paid below the credit limit. Even if a payment was a day late they would charge me a late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to the bureaus about my late payment with XXXX, I gotten that resolved, I called and emailed them, it came back verified but I know that was not possible because according to 15 usc 1666b it states that 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. This is a violation I sent them an invoice for the violations, instead what they did is delete the whole account. 

As a result, I was discriminated against and denied my right to extend credit. I also suffered emotional as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an inaccurate and unverified account XXXX XXXX XXXX XXXX XXXX  several times with Experian. After repeatedly providing factual proof that is account is being reported inaccurately, Experian continues to violate the FCRA by reporting inaccurate information. Secondly, Experian has yet to provide any proof of verification upon request after this account was allegedly verified. How can this account be verified as accurate when it is reporting a balance. A charged off account should never show a balance since it has been charged off. The continued deliberate noncompliance of FCRA regulations by Experian has been well documented with each certified dispute. I have carefully recorded each violation that has occurred throughout the dispute process. This account has adversely affected my credit profile and does not accurately reflect the true nature of my responsible credit use. Per the FCRA, I am requesting this inaccurate and unverified account be deleted immediately.
Product: Student loan

I was contacted by a third party collection agency named " Coast Professional '' to make payments to my XXXX. They have taken XXXX out of my bank account for 7 months. I am now being told that I am at risk of defaulting. I have been unemployed since XXXX. When I called them to stop taking money out they gave me a website " mydebted.gov ''. When I called XXXX servicing back they said that is not the correct website. I am emailing coastal professional a ceases and desist letter.
Product: Mortgage

We, like most, have been severely impacted by the COVID-19 pandemic. We both are currently out of work due to the National Guidelines, as well as our state mandated and city mandated orders to stay home. 

We live in XXXX XXXX, Florida which most of our economy is generated through tourism. I am a XXXX XXXX ( we use no personal protective equipment ), and the other person on the mortgage is a small business owner ( XXXX XXXX XXXX ). We have zero  income coming in. Besides the problems with filing for unemployment in the state of Florida, we are both XXXX XXXX and 1099.  

I called Lakeview Loan Servicing LLC, with subservicing by XXXX on XX/XX/ 2020 at XXXXXXXX ( XXXX ). I spoke with Customer Service regarding our mortgage, about being out of work, the forced closure of business and our town. They literally have put up a roadblock at the top of the Florida XXXX and are only allowing residents in. I told them we had zero money coming in and they only offer a forbearance. 

The problem with the forebearance that they offer, however, is that at the end of the forebearance period ( 3-6 months ) any unpaid payments will become due at the end of the forebearance period. I'm not sure how they expect people to come up with that kind of money with zero income coming in at no fault of our own. I thought they would at least offer to put the months in forbearance at the end of the loan. 

This type of behavior with a {$22000.00} balloon by our lender and their servicer is predatory and setting us up to fail and lose our home.
Product: Money transfer, virtual currency, or money service

I initiated a money transfer with Sendwave on XXXX/2024XX/XX/year> @ XXXX for {$620.00} but the transfer was NOT DELIVERED but they placed a hold on the funds with no explanation why the transfer was cancelled. I had not reached my daily limit and the wallet where I was sending the funds had not reached the daily limit. I assumed it was a technical issue and they should be able to straighten it up. 

I initiated another transfer with Sendwave on the same day XXXX/2024XX/XX/year> @ XXXX for {$740.00} and they went ahead and the transaction again and placed a hold on the funds with no explanation why the transfer didn't go through. Now they were holding {$1300.00} which I could not transfer with another service for a few more days. 

I called their customer service ( the worst there is ), they couldn't tell me why the funds were not transferred and they couldn't release my funds immediately. I requested to speak to a supervisor and I was told I couldn't talk to one but they can call me back after 24hrs. 

I initiated a chat on their APP to try and get my funds released so that I can use another service to transfer the funds since I had some business transactions to take care of and they wouldn't help either. Now my bank is holding {$1300.00} courtesy of Sendwave but Sendwave can not issue an instant reversal after cancellation. I have to wait for 3-7 days for the bank hold to eventually be released. 

Their transfer APP did not generate any error, I never got an answer why the transfer failed and now I am temporarily out of {$1300.00} that I was going to use for a business transaction. XXXX ( Their Competitor ) credits funds immediately there's a technical glitch, Sendwave does not care and their customer support is useless and clueless.
Product: Credit card or prepaid card

On XX/XX/2018 I noticed a late fee ( {$38.00} ) and service charges ( {$12.00} ) on my credit card after just making a payment. My payment was due on XX/XX/XXXX I paid the balance which was {$1300.00}. I used the companies online banking to make the payment. I have several accounts with PNC they include mortgage, unsecured loan, two credit cards, and a checking/savings account. I also have an investment portfolio with them. All of which I can access through online banking. XX/XX/XXXX I was in the credit card potion of online banking to make a payment, I had two options Schedule a payment and Pay today. I selected Pay Today, selected pay balance and clicked submit. The bank reported my payment as coming in on XX/XX/XXXX, four days late. I called customer support and asked how this could be. The answer stunned me and sounded nothing short of fraud. They said that there were two reasons it was late. First they claimed I paid after XXXX eastern time and second that they used a third party to make the payment. The third party then sent them a check. I was told if I wanted it to be credited that same day I should have gone to the transfer funds page to make the payment. So the Pay Today button did not make the payment that day as you think it would have being called the pay today buttom. Keep in mind all these accounts are with PNC and for the Pay Today option they use a third party? They claimed that when I used the Pay Today button that it would have told me the date it would arrive and warned me about paying before XXXX. I checked and it does give you that information in very small print way off to one side and in lettering close to the same color as the back ground. I was not sure what time I made the payment but knew I used the Pay Today option on my due date. I asked them what time I paid, they said they had no way to know but it must have been after XXXX because I received the late fee. I was told it was my fault and the fees would not be refunded, I asked for a supervisor and was transferred to a senior credit card associate who denied the refund as well. I asked to be transferred to online banking to see if they could tell me when I made the payment, they could not so I was transferred back to credit card services. After going back in forth with a new consultant, I was informed that she would ask her manager to reverse the fees and I should see the refund on the account in by XX/XX/XXXX. She said she could not guarantee it but felt strongly that it would happen and from that point on in the conversaion she used words like when and would in realition to the refund. After not seeing the refund on the XXXX I called and checked on the status of the refund and was told I did not qaulify for a refund. I was also charged a late fee ( {$270.00} and service fees ( {$9.00} ) in XXXX for the acact same reason, only I had not realized those charges untill they told me about them when I called on XX/XX/XXXX. I feel the Pay Today option is missleading with the intent to charge late fees and it is impossible to reach a real supervisor of any kind.
Product: Money transfer, virtual currency, or money service

Robinhood used a dark pattern to trick me into selecting an instant wire transfer that comes with a {$4.00} fee. I have contacted Robinhood to demand this fee be reversed. They are not being responsive.
Product: Debt collection

Sometime in the past I had disputed the medical bill I received from the hospital and then later I received a call from the collection agency ICS. At the time of service I had XXXX and conveyed to the hospital that the bill would need to be billed directly to XXXX and there was no other insurance. That same month I had services at the hospital with another department and they verified that I had XXXX and billed to XXXX. The XXXX services that I received that were sent to collections were indeed covered by XXXX. I was told by the hospital and the collections agency that even if they billed the services to XXXX that it could take too long to pay in and they were demanding monies over the phone or I would be sent a bill for collections. Spoke with the hospital and was told that the bill is covered by XXXX so the balance would not be sent to collections. 

Fast forward to XX/XX/XXXX, the account was placed into collections and is affecting my credit score. I never received a written notice that this account would actually be placed in collections. The hospital never informed me that the balance was no paid by XXXX and I was told the situation was resolved from the last communications back in the fall.
Product: Vehicle loan or lease

On XX/XX/XXXX at XXXX XXXX  Central time I called to make a {$130.00} payment on a card so that I could then make another payment on a different card for {$140.00} tho make it a total of {$270.00} that I wanted to pay. My balance is {$900.00}, due to the pandemic and my fiance losing her job. On top of that for some reason their payment system never accepts my debit card which is a visa. On this particular call I was transferred to a gentleman who said hes name was XXXX and that he was the account recovery specialist and he would be not only not able to accept that amount but that I need to give him His car back or that he would call the police to my house and say I was withholding there vehicle illegally. Which is whats called filing a XXXX report on someone, because I have been a loyal and faithful customer. Not only have I already paid over half the balance on this vehicle which was purchased for {$22000.00} for a XXXX XXXX XXXX, thats robbery just the price alone. Ive already paid a total of {$15000.00} as of XX/XX/XXXX, and now during a pandemic and all the other issues I have been having with there payments system. Something is not ethical about the business their conducting. Every time I make a payment and I asked for a receipt I get an email with no link?? Im not sure the exact amount of anything because theyre payment email receipts do not display anything. I have complained and begged them 2 resolve that issue to no avail.
Product: Credit card

Bank of America violated the federal TIL with incorrectly handling of a billing error. 

According to the Truth in Lending, Regulation Z ( 1026.13 ) the section about Billing error resolution, Bank of America is penalizing me for their mistake. 

Part a-4 mentions that an error includes " the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account. '' Bank of America did this because I have had automatic payments set up since I created the account, and one month they did not apply the payment due to an error in their system Part c mentions that the bank needs to resolve this within 2 billing cycles, which they did not. I had to manually call in and apply a payment.

Part d and g mentions that negative credit reporting related to this is not allowed : " The creditor shall not make an adverse report that an amount or account is delinquent... '' which Bank of America also failed at. They have reported this error to the credit agencies and negatively impacted my score which results in increased lending costs and fees to me.

They have also no reversed the charges related to their claimed late payment that was due to a fault within their automatic payment system.
Product: Credit card or prepaid card

Last year at the start of the Pandemic we were placed on shelter in my State. That was in XX/XX/2020. I immediately called my credit card companies and submitted financial hardship. Everyone was happy to extend my payments out by a few months except Victorias Secret and XXXX. I was told that they had no such forbearance in place. This caused me to be late 30 days and reported in XXXX as a late payment. I have never been late in my account. I have already written letters to remove my late payment since it was covid related and I was denied.
Product: Credit card or prepaid card

Synchrony bank has lowered my credit limit on 2 accounts that I have with them. They removed one account from my credit report. These adverse actions have greatly affected my credit score. While, I did receive a notice, the information on the notice is entirely incorrect. The information they say they based their decision on are erroneous. My on time payments are at 100 %. The 3 derogatory or delinquent accounts are >3 years old. Soo they have been and were there when initially approved for both cards. As Ive come to learn, this is a regular practice for this company, which has affected very many people. I would like my initial lines of credit restored to their original limits and I would like this reported to all credit bureaus. Hopefully this will mitigate some of the damage they have caused. I implore anyone to research this company. There a very many complaints regarding this companys practices and how they have affected people without any thought of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXL Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX # XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

It is astonishing to me that my previous complaint ( XXXX ) was closed and deemed resolved on the basis of a completely unsubstantiated and UNRESOLVED response from the Mortgage Company ( Rushmore ),  without ANY feedback from me, as to my level of satisfaction. 
The response involves statements which are inaccurate, to which I am given no opportunity to respond, and the issues are in no way resolved. 
I am, therefore, re- opening this complaint and will continue to do so until it is resolved to the satisfaction of all parties concerned.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I submitted a dispute letters to XXXX, XXXX and Experian I have not received a response from either about inaccurate reporting information.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX  Balance : {$520.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX - XXXX XXXX Balance : {$0.00}.
Product: Student loan

XX/XX/XXXX Navient forgave my student loan and it was followed up by letter from dept of ed on XXXX  and said I didnt have to repay.. 

My credit report says paid in full no amount due just got phone call from Nebraska XXXX had turned it over to collections date XX/XX/XXXX I sent them a letter no taxable income I on XXXX .. XXXX. Is poverty level.. I just dont understand what going on Why is it not forgiven should be
Product: Student loan

HELLO. I WOULD SOME INFO.HOW I CAN GET SOME HELP WITH MY STUDENTLOAN IAM XXXX I CANT WORK & I HAVE MY MED.PAPERS TO PROVE IT IS THERE ANY SOLOUIONS PLEASE HELP ME?? MY EMAIL IS XXXXXXXXXXXX
Product: Credit card

Around XXXX months ago, I found out I was the victim of identity theft. my XXXX was hacked and the hackers were able to charge the cards that I had on file. it was XXXX charges ranging from XXXX to XXXX, totaling around {$12000.00}. Luckily, I only had my XXXX XXXX and my Wells Fargo card on there. I was panicking and very stressed out as Ive never been in a situation like this. My friend advised me to dispute these balances with the credit bureaus, and I thought that would be the best course of action. Dealing with the credit bureaus has been a long and tedious process with a large amount of time in between their responses. I later realized that I shouldve contacted the credit card companies directly as well. I contacted Wells Fargo on XX/XX/XXXX to dispute the charges. I called again a month later on XX/XX/XXXX asking for an update and why I havent been issued temporary credit. I was on the phone for over an hour when I contacted in XXXX, yet during my call in XXXX, they claim that my dispute was never filed. This was extremely frustrating, but I went ahead and filed my dispute again. I called again on XX/XX/year> to ask for updates and why they still havent issued me temporary credit. The representative was not very helpful and she kept repeating that I was not responsible for making any payments to the disputed amount, yet the disputed amount is my entire balance on the card. She then said that the delay could be because of the size and the amount of transactions. Since she wasnt very helpful, I decided to call again the next day. This representative was much more understanding of my dilemma. He was able to find out that my claim had already been denied, but he was unable to give a reason as to why. This was also extremely frustrating because I didnt even get the chance to present my side of the story. XXXX XXXX asked for more information when I filed my dispute and resolved it properly in less than XXXX weeks. It almost felt like Wells Fargo didnt even care to do any research into this claim. Now almost a year later, I am back at stage one. Extremely stressed out and dont know what else to do and Im living in fear of having to bear responsibility for this egregious debt that isnt mine. 

The claim number is XXXX. When I called Wells Fargo they said they use the old credit card number as the reference number. 

Attached is a letter in the mail that I received in the Fall about my data being involved in a data breach around the time my identity was stolen. Im not sure if its correlated, but thought Id include it just in case. 

Any help would be greatly appreciated!
Product: Credit reporting or other personal consumer reports

My account with ( DPT EDXXXX, XXXX XXXXXXXX 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. 


( DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports