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

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 XXXX days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  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

THE COMPANY CHARGED OFF THIS ACCOUNT AND FILED ON THEIR TAX RETURN. 15 USC 1681(e)B . I REQUESTED A 1099C AND HAVE NOT RECEIVED IT. ACCORDING TO THE IRS, THIS DEBT IS CONSIDERED CANCELED. THIS ACCOUNT SHOULD NO LONGER BE REPORTED WITH A BALANCE REQUESTING PAYMENT FROM ME.

Account name  XXXX XXXX
Account number XXXX
Account type   Note Loan
Responsibility  Individual
Date opened XXXX
Status   Closed. XXXX written off.
Status updated  XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have some CDs at Ally Bank / Invest which I wish to transfer to XXXX XXXX Investments. XXXX is standing by, ready to accept the CDs. However, Ally continues to drag its feet and ignore my repeated requests for assurances that they will do this. 

Please help.
Product: Mortgage

I have been attempting to get a loan modification. When I last submitted the modification package in XX/XX/XXXX and XX/XX/XXXX the representative told me that I needed additional income. So I found a part time job that I started XX/XX/XXXX. In the process of doing that I received a letter stating that a sheriff sale was scheduled for XXXX/XXXX/XXXX XX/XX/XXXX. After calling a countless number of times and none of my phone calls being returned, I was able to reach my account manager on XXXX/XXXX/XXXX. We discussed the sheriff sale date, the option of a short sale as well. I informed her that I had a part time job and was there still an option to do a loan modification. She said yes and once she had a completed package that would stop the sheriff sale. I sent a completed package in on XXXX/XXXX/XXXX. A few days later I received a letter stating that the modification was denied because it was not received 37 days earlier. And the funny thing, is that as many times as I have applied for a loan modification, I never received a letter stating why I was denied. I would find out that I was denied by the constance calling I was doing to check the status of the loan modification. I have been calling my account manager every day, sometimes 3 times a day and none of my calls have been returned. Finally on XXXX/XXXX/XXXX I called and asked to speak to a supervisor. I spoke to XXXX explained my situation and he said he would see what he could do and call me back in one hour. Needless to say no one has called and today is XXXX/XXXX/XXXX. I 'm frustrated and do n't know what else to do. I want to keep my home but how am I going to do that when no one from the mortgage company will contact me back. This is an ongoing issue with this mortgage company, which causes so much frustration. Due to non response from the mortgage company I filed a request to reopen my case. It was granted and I have to appear in court XXXX/XXXX/XXXX.
Product: Bank account or service

Hello : I 've been to Bank of America at XXXX New York XXXX three times in the past 6 months to cash a large check up to {$5000.00}. Each time, I was treated with extremely rude disrespect by that branch manager. He accused me of trying to cash a check that was n't real and treated me as if I were a criminal. Each check I submitted for remittance was indeed legitimate, but I had to go elsewhere and spend money to cash them. I truly hope that the manager of this particular branch gets a lesson on how to treat customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company treated me horibke I am a victim of identity theft and have tried contacting them they dont care they are reporting fraudulent account banks and inqueires so many and they refuse to delete this from my report its hard for me to get a bank account opened by all of this negative I for reporting about me Ive been declined at multiple Banks for an account due to the information they are reporting about me
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion on XX/XX/XXXX at XXXX to dispute XXXX hard inquiries that were removed summer XX/XX/XXXXand early XX/XX/XXXX due to a glitch in their system. Transunion illegally re-added them back because I never received written notice 5 days before Transunion reinserted them. Although Transunion acknowledge it was a glitch, the Rep XXXX only agreed to deleted the XX/XX/XXXX XXXX XXXX Inquiry.
Product: Checking or savings account

Chase Bank appears to be intentionally slowly handling the check deposit from my home sale. They are insisting on holding the funds for XXXX days even though they verified that the check is valid with the paying bank. 

When you sell a home, it is reasonable to expect that the check deposited will be processed at least within a few days.I have made multiple calls to resolve and received misleading information ( one agent said the paying bank would not take calls to verify ). 

After resolving that mis-information and having the check verified as valid, I was told a supervisor would not release the funds until the XXXX days had passed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My balances are incorrect my credit age is not reflecting! Reported Bad payment history is incorrect. Im unable to dispute online. This is Seriously hurting my credit as I am a XXXX XXXX XXXX  Veteran Attempting to purchase a Home.
Product: Checking or savings account

Once again Wells Fargo has allowed a scheduled payment that would overdraw my account show they can charge me an overdraft fee. This is a yearly payment that had slipped my mind. I have asked them not to allow such payments but to decline them. I tried to contact the bank about this matter but was told by the automated system the wait time was 2 hours. Wells Fargo does publish an email to send to complaints to. This is the second time I have had to file complaint about this issue.
Product: Debt collection

I have received continuous calls from '' Transworld ''. They will not tell me WHY they are calling. They only want verification of my personal info. I 've asked them not to call unless they tell me who they are and why they are calling.
Product: Money transfer, virtual currency, or money service

I had my tax refund prepared and sent to a routing number associated with my Cash app account. My taxes were prepared XX/XX/2022. The IRS released my refund and sent it to the routing and checking number associated with my Cash app account XX/XX/2022. I spent three months trying to recover my Cash app account because I have been refused access to the Cash app account I created. Cash support hasn't been able to allow me access to this account for security purposes. I have all identifying ( I9 ) documents on hand to prove that I indeed am the rightful owner of said Cash app account, also in relationship to payroll and IRS documents that will coincide. The IRS sent a deposit of {$3600.00} on XX/XX/2022. 
Also two payroll deposits ( {$700.00} and {$100.00} ) were also deposited within that time frame where I had been denied access to my Cash app account. An estimated total of {$4400.00} is owe to me and acknowledged my Cash app customer service on XX/XX/2022, however I am with no avail granted access to my Cash app account to recover my funds. Today XX/XX/2022 I am writing asking for support in this matter, advice, and other cases of action to finally resolve and correct the fact that I am not being granted the funds earned and due to me. I can be reached here or vial email @ XXXX Thank you
Product: Checking or savings account

XXXX  bank to US bank merger, all online systems are unusable and customer support is useless. this is causing me to have to resort to payments via credit card from another company which is, in turn, causing me to have to pay additional fees. 

A quick look at their XXXX  page reveals a huge number of customers with the same issues. Apparently, customer service is clueless or grossly understaffed, telling people to wait 4-7 hours for a callback.

I can not get the link, but one such post contains the title, " Joining U.S. Bank
from XXXX XXXX? Mobile and online banking new enrollment is not quite ready. Were working quickly to give you access. Thank you for your patience. '' The user comments can be viewed there. 

I also received a credit card to activate, which was, as expected, unsuccessful. When attempting to log on to the US Bank site at which I had previously registered, my username was disabled, no doubt due to some glitch in their system. 

This merger as it is called, happened on XX/XX/2023. Why wait for our enemies to cripple our financial systems when our own institutions are doing it just fine?
Product: Debt collection

Portfolio Recovery Associates is co ntacting me to collect a debt I have disputed with   XXXX     XXXX   XXXX  . I asked for a Verification of  Debt Letter, wh ich I never received. They claim to have sent  one  already telling me I need to send a written request in order to obtain another.
Product: Debt collection

I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I received proper notification please provide me with the certified receipt with my full name on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's put me in on a " Long Term Assistance Program '' for the credit card on XX/XX/XXXX. The terms were to pay the minimum payment for 60 months and they closed the credit card. This was in XXXX of XXXX. They then continued to report late payments - 120 Days Late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Then started reporting On Time Payments in XX/XX/XXXX and XX/XX/XXXX. Then from XX/XX/XXXX to XX/XX/XXXX they have reported 30 Days Late EACH MONTH. I've been making my minimum payments as I was instructed to but XXXX says the way that it records in their system is late ( even though its not 30 days late ). In XX/XX/XXXX they stopped the Late Payments ; however, the previous ones are still there when I was just following the plan that they gave me. They did not disclose that paying the minimum payment and being on the program would still report late payments to the credit bureaus. 
I've disputed this issue with the Bureaus and XXXX 's multiple times but can't get them removed. XXXX 's has admitted over the phone that it shouldn't have reported late payments but they can't do anything about it because of their system reporting. The credit bureaus just verify the information when I dispute with them. 
Further, the letter received when put on this program says that my minimum payment will be {$120.00} and no late fees will be applied.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on 3 Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information from my credit report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the Items be deleted to correct my consumer report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Consumer Loan

In XX/XX/XXXX my husband at the time, XXXX, purchased a XX/XX/XXXX XXXX At the time of the purchase, XXXX was a XXXX. We financed the vehicle with the military program JP Morgan Chase Bank NA had available. My name at the time of the purchase and repossession was XXXX XXXX XXXX. The address of the repossession in XX/XX/XXXX was XXXX, XXXX Colorado XXXX. 

In XX/XX/XXXX my XX/XX/XXXX XXXX was improperly repossessed by JP Morgan Chase Bank NA. In XX/XX/XXXX, I received checks for {$10000.00} and {$600.00} as well as a letter explaining that the vehicle was illegally and improperly repossessed. The check for {$10000.00} was reimbursed for the payments that were made over the course of the life of the loan. The check for {$600.00} was for the inconvenience of that action. In the process of gathering my tax forms for XX/XX/XXXX I received a XXXX form for the XXXX checks with total " income '' showing as {$10000.00}. I am at a loss why I am being taxed on a refund when the money that I had paid on this car was after tax. This has caused even more hardship than when the car was first taken. I am now paying taxes again for something that was not my fault and I should not have further repercussion for the banks misconduct. Had this XXXX been for the check for {$600.00} ( Lower amount ), I would understand as that money was income above and beyond what was paid on the vehicle. 

The impact this has on me for this tax year is that instead of getting a refund of {$1300.00} from the IRS for XX/XX/XXXX taxes paid in, I now owe {$180.00}. This needs to be remedied on your end as this issue was your error that precipitated this in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps removing current Employers on my credit file as XXXX XXXX in which is on some reports. Experian has issues with correct information. on reports going back over a year XXXX XXXX is not showing on the credit report I work here since 2015
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX, XXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 60 days 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, 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 8
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted back towards the end of XX/XX/XXXX early XXXX of XXXX a Identity theft affidavit XXXX # XXXX ) ( to XXXX, XXXX, and XXXX  who was also included along with the affidavit ; a copy of my drivers license, social security card, and a recent copy of a utility bill. The Affidavit included specific detailed information relating to fraud related accounts due to identity theft which were XXXX XXXX # XXXX, XXXX  XXXX  # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX, XXXX XXXX # XXXX, and XXXX. XXXX  and XXXX  both failed to adhere to section 605b of blocking fraudulent information after being notified within 4 business days by a consumer. In addition XXXX   failed to investigate my dispute by responding with report # XXXX for XX/XX/XXXX stating they are declining my request and would require a copy of an identity theft report, drivers license, and social security card which is THE SAME INFORMATION THAT I SENT TO EXPERIAN WITH BOTH OF MY INITAL DISPUTES. This clearly violates section 609 and 611 of the Fair Credit Reporting Act and is a deliberate refusal to honor my request. Yet it has beyond 30 days and these fraudulent accounts still remain on my credit file which is against the FCRA guidelines. Due to the numerous violations these fraudulent related accounts should be removed immediately from my credit report from collectors as well as the bureaus.
Product: Debt collection

XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX, VA XXXX Subject : Debt Validation Request Dear Portfolio Recovery Associates, I have received correspondence regarding a debt collection and need to verify that you have contacted the correct individual. I am writing to request validation of the debt you have reported to me in your recent communication and am requesting that you provide documentation supporting this.

As per the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of the debt.

Please provide me with the following information regarding this debt : 1. A detailed contract showing the amount owed exists along with verification of the debt amount you are attempting to collect.

2. The name and address of the original creditor to whom the debt was originally owed and the current creditor.

3. Documentation showing that you are authorized to collect this debt, such as a copy of the original contract or agreement. Include documentation showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please provide this information within 30 days from the date of this letter. During this period, I request that you cease and desist all collection activities until you have provided the requested validation.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus.

Please note that this request does not acknowledge that I owe the debt. If you are unable to provide validation, please remove this entry from my credit report and cease all further collection efforts.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you.

Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Product: Credit reporting

There are XXXX accounts un the XXXX XXXX. of XXXX that are showing closed/derogatory. These accounts have long since been satisfied.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I wrote a letter to XXXX XXXX XXXX department to have late payments removed from my credit report with the credit bureau and asked for a written response but never received XXXX. Since then the late payments are still on my report
Product: Debt collection

On XX/XX/XXXX my account was sold to Cavalry Portfolio Services. I did not sign up for this service. This company is reporting on my credit report. 

I do not have a contract with them. 

Please help me remove this collection agency from my credit
Product: Credit card or prepaid card

During the payment cycle of XX/XX/XXXX and XX/XX/XXXX Fifth Third Bank posted 30 day delinquent updates on my credit report. These payments were only late due to a technical issue on the Fifth Third website. I 've engaged them back in XX/XX/XXXX and recently to resolve this issue but nobody can seem to fix my inability to make a payment online. If the site was functioning properly I never would have been late. This could be confirmed by looking through logs that show I attempted to make a payment before my due date online but was presented with errors. My other Fifth Third credit card allows me to make payments online but this card in question does n't. It feels like this was done by design, due to these issues my credit took a 150-point hit. I 've tried to dispute these entries with the 3 bureaus but nothing ever comes of it since its hard to prove I tried to make a payment on time but due to technical site issues was unable. To be fair the second late entry, I could have visited a branch but expected the technical issue to be fixed. Since this company can report negative information on my credit I expected all avenues to make a payment on time be enabled and functioning. Im asking that the issue be resolved and negative entries removed. I believe this to be a violation of the fair credit reporting act. Next steps are to file a complaint with my attorney generals office and the BBB if this attempt to resolve goes nowhere. Thanks for your time,