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

My account with TransUnion 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 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.

TransUnion 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: Debt or credit management

I was working with National Debt Relief. Also, Through the debt relief program, we were using XXXX XXXX XXXX  XXXX. They were supposed to pay off a creditor of mine, XXXX  XXXX. The payoff amount, {$1800.00}, was withdrawn from my personal bank account, it was paid to XXXX XXXX. This happened in XX/XX/year>. XXXX XXXX confirms the payoff was made, but, then was withdrawn. I never authorized nor was informed of this withdrawal. I just discovered this yesterday XXXX. Neither National Debt Relief nor XXXX XXXX XXXX will discuss this transaction with me. XXXX XXXX XXXX informed me they are sending me a transaction history.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute fraudulent information on my credit report under the Fair Credit Reporting Act ( FCRA ) 605B, due to identity theft. The accounts listed below do not belong to me and were fraudulently opened using my personal information.
Product: Bank account or service

Hi, I am writing this regarding issue that I encountered with my Checking Chase Bank. My wife received a check from person who hired her for a job. As per her job she needs to credit the check and once the check is cleared she needs to buy stuff for XXXX XXXX and donate it to them. My wife deposited the check in XXXX/XXXX/2016 and the check got CLEARED per bank records as of XXXX/XXXX/2016 and the total money available included the money from Check. Once the check was cleared money has been drawn as part of the job work and stuff was sent to the account provided by the employer. Now the check that was cleared on XXXX/XXXX/2016 has been reverted on XXXX/XXXX/2016 by Chase Bank without giving me intimation as to what happened. I got an alert message with negative balance and when check with bank why was the money which was cleared reverted they said that there was an issue with the check that was deposited and money was sent back to source bank. As a result of this my account went in to negative and my own bills are about to get bounced. When I check with the back as to why the money was reverted after the check has been cleared they kept saying that they have the right to do without our consent up to 1 year. When I asked for the policy they asked me to read the disclosure when I ask to send the same in a mail they refuse to do so. When I called the customer care and spoke all the above the call has been transferred from customer care to supervisor then to manager and they all say that even after the check is cleared they can revert the money without letting us know per their banking policy. When asked them why was the check cleared when there is an issue with the check they did not give a proper answer and were talking about their internal check processing which as a customer I am not ware of. As a result of incorrectly clearing the check we lost {$3000.00} from our bank account for incorrectly clearing a check. We launched a official police complaint on the person who conned us but this all would not have happened if the money was not cleared incorrectly. Bank seems to be throwing blame on the customer for not knowing their internal check clearing process of their bank which resulted in this issue. The customer care has all the call recording for further inquiry.
Product: Mortgage

I was sold a predatory loan ( 7.67 % compounded DAILY ) for {$100000.00}. I purchased the loan as Second Mortgage in 2006. It originated with Wachovia and was purchased by Wells Fargo. I have tried to refinance on multiple occasions but neither the XXXX Mortgage Lender will assist nor will Wells Fargo restructure my loan so that it is a reasonable interest rate or compounded Annually. In spite of the fact that I have managed to pay on-time and am current, no lender will refi me ( after XXXX attempts with XXXX different companies ) I am told this is due to Debt/Income Ratios that are no longer flexible. My Loan/Value is excellent ( XXXX vs. XXXX ). I can easily handle my mortgage if can REFI, but am struggling now ( selling assets and savings ) to make ends meet. This type of loan is unheard-of in the current market and may even be illegal under predatory lending laws. HOW CAN I REFINANCE with current laws as they are? I refuse to skip payments to become eligible for default status. But if I continue to operate under the terms of this loan, I will be forced to fail. I believe there are hundreds of thousands like me and the current laws are crippling my ability to pay at a reasonable terms and competetive rates. This is a travesty forced upon the American Public as a result, not of consumer behavior but the unbridled greed of large too-big-to-fail banking institutions. Where is the assistance for those like me. Wells Fargo is squelching my successful financial future without concern or remorse. I challenge them to give me assistance and they refuse. My hands are tied and failure is imminent. Being Self-Employed should be supported, and not punished. I am without recourse.
Product: Credit card

On XX/XX/year>, I received a promotional email communication from Chase offering a {$900.00} reward if I open up a checking & savings bank account with them and complete several conditions. As part of this communication, they clearly state in the email : " Plus, boost your earnings to 2 % back on everyday purchases up to an additional {$200.00} in rewards with your Amazon Visa. '' In the fine print, this bonus is detailed to be a 1 % boost to the existing 1 % cash back perk on the Amazon Visa card ( totaling to the 2 % advertised rate in the email ) ; however, despite completing both of the criteria for the new checking & savings checking account ( which isn't even an outlined requirement as part of this promotional communication ), I do not have any mention on my account of a 2 % cash back promotion. 

I have called multiple times ( most recently on XX/XX/year> ) and was bounced between their Retail & Card support agents, with both agents confirming that they do not see any promotion on my account relating to a 2 % offer for the Amazon Visa. I want Chase to fulfill their advertised 2 % everyday cash back rate on this card. I have used this card extensively since receiving this communication due to the language leading me to believe that I would have 2 % cash back on purchases. If I knew this was not the case, I would not have purchased ( $ XXXX in spend ) with the Amazon Visa card.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account should be deleted. Seems as if most recent status has changed to " Charge-Off. '' This account was charged off years ago and should not be updated as a charge off as of XX/XX/2024.
Product: Credit card or prepaid card

I received a promotion offer of convenience checks from Barclays Bank in XX/XX/2021. 
At that time, I decided to use XXXX of the convenience checks to pay off my XXXX account. On XX/XX/2021. I used check # XXXX XXXX department store for {$750.00}. 

XX/XX/2021. I received an alert on my phone stating a {$750.00}. transaction was posted to my Barclays Bank, not realizing I had written the check in XXXX. I panicked and called the fraud department to dispute the transaction. 
The transaction was reversed on my XXXX account XX/XX/2021 for {$750.00}. 
According to my Barclays account statement, the transaction was credited back to my Barclays account on XX/XX/2021. But unfortunately, the transaction was never credited back to the XXXX account. 
Ive made several attempts in the last last 19 months to correct the error on my account. Ive sent registered letters copies of check, statement showing where the error was made with no resolution. 
Attached, you will find the statements indicating when to error took place. Please review throughly. My last complaint was not resolved due to investigation of information. 
I know the check cleared. The problem is, it was never credited back to the merchant.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report as they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is on my credit when it should not be.
Product: Credit card

Please help me. I am XXXX XXXX XXXX and no longer able to work to take care of myself properly. XXXX XXXX  caused me to leave workforce. I could not afford to take care of myself because of not being able to work. I explained to them the situation that had occurred. I could no longer make timely payments on this account. Their solution would have been to miss a couple of months and go back to payments between of about XXXX XXXX a month.
Product: Debt collection

Midland credit is saying I owe them {$1000.00} I never dealt with this company in my life they threatened to sue me sending people to my house that have attitudes
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be Block. Per FCRA segment 605 CREDIT BUREAUS are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter I sent to Bureaus on XXXX XXXX and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider responsible for this ISSUE. 
The items listed below need to remove from my file : XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance {$25000.00} ; XXXX XXXX XXXXXXXX Inquired on XX/XX/202XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian Credit Bureau continues to report an open balance monthly with a negative payment history on XXXX XXXX XXXX card that was placed in collections on my credit profile inaccurately. Essentially Experian Credit Bureau goal is to update the account monthly creating a false payment history on an account that was written off falsely. 

XXXX XXXX was not posting my payments and closed the account and wrote off the balance. XXXX XXXX increased the amount of the card limit placed the account on my credit profile because of their error. 

Now Experian update the account monthly showing an open balance and an open payment history on a closed written off collection report which was reported to the IRS as 1099A. 

Please assist me in getting this situation resolved because Experian Credit Bureau does not investigate data. Poor best practices policy.
Product: Checking or savings account

I received an offer in the mail that if I open a checking account with chase, I will get a {$300.00} credit, if I make a direct deposit.before XXXX. I took a screenshot of what I received from Chase when I opened the account online on XX/XX/XXXX and I made a direct deposit from my other account on XX/XX/XXXX. I then called Chase a week later to ask when can I expect the direct deposit, I was told that it will come 10 business days after the direct deposit. After the 10 days have elapsed, I called them back again and this time they said the direct deposit has to come from either the government or employer. This was nowhere mentioned in their previous advertising or correspondances so, in my opinion, it is totally misleading customers, a total scam to trick them into opening an account with Chase.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed inquiries from your company that I dont recall authorizing. To my understanding, inquiries should only appear on my credit file with my explicit permission. 
XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXXXXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit card or prepaid card

Replacement card unable to be sent as company is supposedly undergoing system maintenance for 3 months straight. Not able to log in to account to pay card for 1 month due to system glitch.
Product: Credit reporting or other personal consumer reports

A dispute was filed XX/XX/year> and completed XX/XX/year> now I'm unable to see the results
Product: Student loan

My husband died in XXXX, and took out egregious loans with many student loan companies. XXXX XXXX transferred some of our loans to debt XXXX XXXX, with whom I fought tooth and nail with my attorney, but with whom we eventually settled in XXXX and paid them XXXX amounts for my twin sons. They destroyed our credit. 

In XX/XX/XXXX, I was informed that I never signed XXXX of the settlement letters, and was asked to do so. I could not open the link, despite repeated attempts. I called, I emailed, I begged Firstmark Services specifically XXXX XXXX to help me open the link so I could sign it. I tried and tried over many days, receiving no response. I have the email thread. 

Today I received a bill for XXXX because I was told I never signed the settlement letter, so I owe this interest. I was not allowed to speak to a XXXX. I am supposedly getting a call in the next couple of days, but the person on the phone does not hold much hope in getting the amount withdrawn. WHY???? Because I could not open the link. 

This is illegal, and I was hoping you could step in on my behalf.
Product: Debt collection

XXXX and XXXX have repeatedly, several times per day and prior to XXXX tried to call me regarding a fraudulent debt. This debt has previously been taken to court and the case dropped due to complaints about it being fraudulent. XXXX and XXXX purchased this debt and are now constantly calling me from various numbers. Answering the call, there is no response on the other end. 

From XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX FROM XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX PM XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX FROM XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX There are also numerous calls by robo callers with XXXX XXXX codes that are more likely than not associated with this company. 

Attempts to have them cease calling and contact has not been fruitful.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

I am a victim of identity theft. The account was opened by someone in XXXX XXXX Texas which is around XXXX miles from my house which we have owned since XXXX. The account was opened around XXXX. The original account was from XXXX wireless and later transferred to Jefferson capital systems. The amount owed is XXXX. I contacted XXXX as soon as I saw it and tried to get it removed. I have tried to work with Jefferson capital and they have made me reduced debt offers but are still over a XXXX dollars.
Product: Credit card or prepaid card

The application was on XXXX and kept getting call from the credit card company, I called back today on XXXX spoke to rep XXXX from Capital One XXXXo completey application and I never applied for one. Application number is XXXX and instructed me what to do and information to give you.
Product: Credit card or prepaid card

On XX/XX/2019 I attempted to log into my Serve.com   app to check my balance, and was unable to do so. Upon further investigation, I realized that I was unable to use my card, check balance or anything at all. This is the card that I use to have my paycheck direct deposited on, and being unable to access my funds is causing me financial hardship. It is five days before XXXX, and not only do I have bills to pay, presents to buy and children to feed, but I can't even put gas in my car to get to work. This is unacceptable. As of this point, this is the first issue I have had with this company, but I am beginning to think I need to find another prepaid card to have my deposits added to. I would like compensation for my trouble and hardship.
Product: Debt collection

I disconnected service with XXXX XXXX several years ago! I was not under contract! The debt was taken off my credit and reappeared 1 year later, the debt is fraudulent.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I received XXXX 's response that Bank Of America did not remove it. They have it listed as though the two mortgages were in my name and my brother 's. This is false! Now they are adding me on a mortgage that I never signed for. I was not even in the country when this took place, nor did my brother have POA. The two mortgages are under XXXX XXXX XXXX. I have nothing to do with them.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

XXXX : XXXX XXXX XXXX ( {$670.00} Written off ), Item disputed, requested original documentation from creditor supplying all information required. 

XXXX XXXX XXXX ( {$850.00} Written off ) Item disputed, requested original documentation from creditor supplying all information required. 

Credence Resource Management : ( {$3300.00} ) item disputed, Item disputed, requested original documentation from creditor supplying all information required. Creditor claims information verified, but no documentation was provided.

Credence Resource Manangement : ( {$820.00} ) item disputed, Item disputed, requested original documentation from creditor supplying all information required. Creditor claims information verified, but no documentation was provided. 

XXXX XXXX XXXX : ( {$1600.00} ) item disputed, Item disputed, requested original documentation from creditor supplying all information required. Creditor claims information verified, but no documentation was provided. 

XXXX : XXXX XXXXXXXX XXXX  : ( {$540.00} ) item disputed, Item disputed, requested original documentation from creditor supplying all information required. Creditor claims information verified, but no documentation was provided. 

XXXX XXXX XXXX  XXXX : ( {$600.00} ) item disputed, Item disputed, requested original documentation from creditor supplying all information required. Creditor claims information verified, but no documentation was provided. 

XXXX XXXX : ( {$190.00} ) item disputed, Item disputed, requested original documentation from creditor supplying all information required. Creditor claims information verified, but no documentation was provided. 

XXXX XXXX ( {$850.00} ) item disputed, Item disputed, requested original documentation from creditor supplying all information required. Creditor claims information verified, but no documentation was provided.