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

My account with 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. 

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

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

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, 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 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Student loan

My XXXX loans given to be while attending XXXX XX/XX/XXXX, were converted to loans because the XXXX I ended up working for was not low-income ; even though, this is ridiculous because teaching in math is a difficult task in itself. That was problem number one. Problem # 2 - Then years later, my other loans from XXXX were taken by XXXX XXXX and then passed on to XXXX. This past year when I applied for the Teacher Loan Forgiveness, my loans from Navient got sent to FedLoan and since then ( XX/XX/XXXX ) I have been dealing with XXXX. To begin with, my account showed 'delinquent ' for an issue that was FedLoan 's for not applying my payments correctly. Currently, after trying to consolidate, my payment is high because the paperwork I submit is never correct, but no one ever calls or sends email to let me know what the problem is even though I always call to make sure I am submitting the proper paperwork. It seems as though all the people working for FedLoan have different information and there is no office where I can personally talk to someone. I just keep having to call an obscene amount of times talking to different people to give me different answers to my problem. This consolidation is XXXX too since once I consolidate that is when the 120 payments will start counting towards the Teacher Loan Forgiveness even though I have been paying now for 8 years and I am near the end of my 120 payment. I think that it is ridiculous how difficult it is to teach ( especially math in any school ), and how it is so difficult to have part of these loans forgiven after giving back to the community by teaching kids. The school rates are ridiculously high and all the hoops that one has to go through just makes it seems as though it is nearly impossible to have Loans forgiven after 10 years. There is something really wrong with the system. It 's like being punished for going to school. Now I see how people see going to school : as a way to be in debt for life and feel like one just works to pay off loans for getting an education. I am so tired of paying these ridiculous amounts in which my debt never seems to come down since it all goes to interest. I hope more people feel the same so there is a way to change this ridiculous system.
Product: Checking or savings account

Between XX/XX/XXXX and XXXX 2017, Wells Fargo began taking {$5.00} a month because my savings account was below {$300.00}. I did n't receive clear warning or notice of this fee.
Product: Credit reporting

On XXXX XXXX, 2015, I received an adverse credit letter from XXXX. They stated their decision was based on information received from XXXX credit reporting agencies, XXXX and IDA , Inc . The information was inaccurate. On XXXX XXXX, 2015, I requested my credit reports and credit scores from XXXX and SageStream ( formerly IDA ). I promptly received my Credit Report and Score from XXXX ; XXXX ; XXXX. The credit report from XXXX revealed no adverse information. 

Instead of sending my Credit Report and Score, SageStream sent me a letter requesting identify information as well as XXXX verification documents. This was done along with my second request for my Credit Report and Score on XX/XX/2015. To date I have not received a response from SageStream and I am continually being assessed the XXXX monthly bad credit fee.
Product: Debt collection

On XX/XX/XXXX, my grandson told me a person had called him looking for me, using my previous married name. My daughter, who was visiting with me said she had also gotten a similar call earlier in the day. Within XXXX minutes, my son called and told me he had also gotten a strange call asking if he knew me, and wanting him to give me a phone number. I called the phone number, and was transferred to a woman who said they were representing the city of ( where I live ) and stating they were trying to help a currier locate me to serve me papers. She was unable to tell me anything other than it was credit card debt, from XXXX, and that if I didn't request mediation through them, I would be responsible for all those years of interest and penalties and court fees. She also claimed they had already sent me all of this in writing.she had my current address, the last XXXX of my social, and my current married name. 
I told her that I have habitually reviewed my credit report, and there was nothing outstanding on it. She said it didn't matter because obviously the original creditor had sold the debt to someone else, so it wouldn't be on there. 
I was very flustered during the call, especially knowing they had called all my children in the last day. So I told her I would try and find more information and call her back on Monday. 
Then, I started thinking. She said she was calling for the city of ( ). Then she said they were an attorney firm. Then she told me they were Credit Services '' but she also referred to Assured. She said the debt has been " charged off '' but then said it was sold to another company. ( When? In XXXX? ). 
After giving me so much contradictory info, and the fact she is saying this is from XXXX, far enough back that it would confuse me, I feel like this is likely a scam. 
The number she had me call was XXXX. She also gave me a file number I can provide, even though she could not " find me '' under that file number. ( Ref : XXXX ) This is either a very detailed scammer, or a very unethical collections company. Either way, I do t want them contacting me or my children again. 
The only call I have received today has come up " Portfolio Recovery '' which my phone cuts off immediately because there is a SCAM Alert that pops up. It may be the same company, since they have now given me a variety of names.
Product: Credit card or prepaid card

I have been a credit card customer of Bank of America for approximately 26 years. Due to some financial difficulties that lowered my credit scores about 13 years ago my credit limit was reduced to {$900.00} and never has been raised again naturally by your company over the years that I have been a loyal customer. I have never used all of that credit at any time for such a small credit limit utilization would hurt my credit. I have paid off each monthly statement on time and actually paid ahead creating a credit balance because the limit was so small as to not cause negative impact to my credit. A few months back I requested an increase of {$600.00} in my credit limit and was denied, then as part of my business I added a few authorized users to my account which I was allowed ( I heard I was even allowed 10 ) and as a consequence my credit card was closed by Bank of America without ever contacting me as to whether I had initiated the aforementioned changes to the account. When I questioned why the account was closed I was told I had to apply for a new credit card. I followed through with the application process only to be denied. I have had no derogatory information or late payment with your company. This is negatively impacting my credit scores and average age of accounts and number of accounts. I am planning on a home purchase and was going to you Bank Of America. I feel you do now appreciate out long standing history together. Is this accurate? At the time the account was closed there was a credit balance that has not been returned. I also received customer surveys after the account closure for valued customers like me. I do not feel valued. I have also included Texas Exes terms of conditions attached along with other supporting documents. Also I included my new Bank of America credit card that was seemingly sent after my alleged account closure. How i this possible. I believe the board of directors would be interested in this as would the attorney general of Michigan and supporting government agencies local, state and federal.
Product: Prepaid card

NetspendXXXX XXXXMy card was hacked a year ago during a breach with XXXX XXXX. Netspend notified me and sent me a new card and my old card was supposed to be cancelled. I noticed on two different occasions that the card was still active so I called customer service and attempted to speak to the customer service. I say attempt because the only english they seem to speak is what is written on their script but they assured me the card would be cancelled. Well here we are a year later and the card that was supposedly cancelled got used in XXXX about 7 times within 15 min and took {$600.00}. I immediately called when I got the text alerts ( the charges started at XXXX and I called at XXXX same day ) and told them not to approve the transactions which were still pending. Again the lack of understanding english was a huge barrier and three different customer service reps told me different things. I finally got someone from corporate to call me back three days later and she stated since this was clearly their fault my money would be credited by the end of business. Here we are and no money. I am unable to talk to the corporate office again they told me they cant transfer me, my money is no longer pending but paid to the company in XXXX, and now they are telling me it can take up to 60 days to see my money because it was posted I had to file a written dispute that must be investigated. They admitted to me that this card was part of the security breach and should have been cancelled but there was nothing they can do to help me and they refuse to transfer me to corporate again. This is outrageous, never have I had such difficulty when a company clearly dropped the ball. Now my mortgage is going to be late and I have no idea when I will see my money. They refuse to allow me to speak to an American or give me the corporate number. Total I have spent over 5 hours on the phone and all I get is some foreigner reading off a script. They will not give me their names either when I speak to them! I am wondering if I should contact an attorney.
Product: Debt collection

1st called me on my cell, made arrangements to make a payment 1st payment was made XX/XX/XXXX, which bounce back but also made two pay arrangements XX/XX/XXXX which this ladies has my bank information and theirs funds in, but they never took it out which I do n't understand but the this hole time they been calling me, my job server all times, I 've asked them to stop calling my job, since I work in retail and a cashier, taking care of customers I put this lady on hold and somthing happen, then my boss is asking who keeps calling, so that I got into trouble n I 've been repeatly told her that I 'm busy I ca n't take personal calls or I 'm going to get fired. She kept saying yelling at me and going on, and on, and on why I ca n't handle it right now or she kept asking when to call back. She ask why I do n't pick up or call back? And when I do call back their number does n't even work. So I do n't understand that on their end. I work both jobs, a mother, and I have a sick mother in the hospital, plus I do n't carry my phone all the time. I have to take care of my customer first. But kept asking personal question to why I do n't answer. If they have my info and bank account to take the money I do n't understand why this lady keeps calling about. Just take their money
Product: Credit reporting or other personal consumer reports

According to 15 USC 16c-2, Ive noticed incorrect information on my credit report, which is impacting my creditworthiness.
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 XXXX my ability to obtain credit. Its my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX # XXXX {$0.00} XX/XX/XXXX XXXX XXXX  # XXXX {$0.00} XX/XX/XXXX THE FOLLLOWING ACCOUNTS ARE REPORTING ICORRECTLY
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Im the victim of identity theft. Im not sure how it happened, but it seems that my personal information was used to open accounts that I dont recognize, and I did not authorize. I did not open nor benefit from them, and I request that they be removed immediately Per FCRA 605B ( 15 U.S.C. 1681c-2 ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. This is an incredibly XXXX situation, and I would be grateful for assistance. Thank you for your time.
Product: Debt collection

COLLECTOR FAILED TO VALIDATE, CEASE COMMUNICATIONS AND IGNORED CEASE AND DESIST ORDERS.. CEASE AND DESIST COLLECTIONS WE ARE DEALING XXXX XXXX XXXX XXXX DIRECTLY! WE ARE CURRENTLY SUING THEM AND ARE IN LITIGATION AND YOU MUST REMOVE ALL CREDIT REPORTING OR YOU WILL BE SUED TOO!!!
Product: Debt collection

I have a credit card account with Best Buy Credit Services. I have legitimate purchases on the card that my daughter incurred and did not pay. She had been intercepting our mail in order to hide the delinquent status, but we have since been notified through a phone call. We have also been advised that the bill has been passed to a third party collection agency ( XXXX XXXX XXXX ). I do not refute the bill and would like to make a payment. However, I am deeply concerned with the nature of the collection effort. To this day, I am still receiving bills from BOTH Citibank ( Best Buy ) and XXXX. Despite my attempts to make payment, Citibank wo n't take a payment and refers me to XXXX. Furthermore, XXXX indicates that they have not bought the debt so of course they ca n't negotiate a settlement amount. I am very uncomfortable with this scenario. The representatives at both organizations were unable to de-conflict. Why is Best Buy billing me, requesting payment, and then refusing payment? If they have fully passed the debt, why is Best Buy still billing me? Why is XXXX indicating they do n't " hold '' the debt? ( which I suspect is an attempt to bypass settlement negotiations ). XXXX has also advised that interest and late charges can still accrue, which suggests that Best Buy has not passed they debt. Please help.
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report and I found several items to be inaccurate. 

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 : states a consumer reporting agency can not furnish an 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 card

XX/XX/year> I called and asked Chase why the credit card ending in XXXX was charged on a bill that was not yet due. I understood that Chase automatically places the charge on my bill before the bill is due. 
XX/XX/year> I attempted to block the Chase card ending in XXXX from completing that transaction but was alerted that Chase will still accept charges from reoccurring billers. So I went to all the creditors and removed Chase Visa credit card ending in XXXX then replaced with XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX. 
On XX/XX/year> I was able to lock the Chase card ending in XXXX. 
XX/XX/year> Chase Visa claimed they paid XXXX XXXX XXXX with Chase Visa credit card ending in XXXX I explained to Chase that on XX/XX/year> the XXXX XXXX ending in XXXX paid XXXX XXXX XXXX ( XXXX ). Chase said they would do further research. On XX/XX/year> I checked for Dispute update. There was no movement it was waiting for documents. I called Chase and was told that I need to read the Action Needed letter. I did not have the letter and asked what does Chase need? Agent said proof that another credit card paid the bill. 
On XX/XX/year> I obtained the Action Needed letter outlining the Action Needed On XX/XX/year> I uploaded the XXXX payment history. I checked for updates it showed waiting for documents. I called Chase again the agent said if I have proof that another credit card paid I should upload it. On XX/XX/year> I uploaded the following to Chase Dispute : XXXX XXXX Statement details for XXXX XXXX XXXX  - Shows payment posted XX/XX/year> - XXXX XXXX chat from XXXX XXXX Chat Transcript - Agent advised only one payment from XXXX XXXX XXXX XXXX in XXXX was taken. 
On XX/XX/year> I received the Chase Dispute Resolution that that stated Based on the information available, Chase found the merchant had no record of payment made by other means.
Product: Credit card

American Express denied access to my Credit from original application. ( Reference # XXXX ). This is Fraud according to The Federal Reserve Act section 16 paragraph 2, 15 USC 1602 ( p ) and 15 USC 1602 ( f )
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score has been in the mid 700 's ... 750 or so. I paid off a car loan that had been in existence for two and half years. This account with XXXX XXXX was paid on time and no late payments. As was all my other accounts. When I paid off the loan, my credit score with Transunion dropped 97 points. I called transunion and was told I need to use some of the credit I have. I currently have credit cards with balances that have been paid on time. 

I want my credit score adjusted reflect the on time payments that I have been making. I have worked too hard to get my credit score where it is/was. When I paid off the car loan, the other two reporting agencies dropped my score by two or three points. NOT 97 points.

I did what the representative at Transunion told me to do, use some of my credit and I did. I used {$1000.00} on two cards and my score has not changed. I am in the market for a mortgage and this is hurtful to my chances of getting a decent rate. I don't think it's fair that a computer is left up to deciding my credit score. thank you.
Product: Consumer Loan

I 'm an XXXX. Because of this I feel as though I was discriminated against when getting a loan from Honda Financial Services. For some reason I feel as though something is n't correct and I believe I was overcharged interest on my car loan. If possible I would like someone to look over my paperwork.
Product: Mortgage

I applied for a loan and the loan was denied because my mortgage statement indicates I deferred a loan payment, which I didn't request to be deferred and through discovery, the mortgage company stated I contacted them to request a payment deferral due to a financial hardship, which I never requested and later, it was stated in their response, my account was reviewed in XX/XX/XXXX, and an investor requested the payment be deferred and I was never notified of the decision that was made on my mortgage account by the mortgage company, which I had been pay my payments during the start of my loan modification with XXXX XXXX and the other mortgage serving companies, with no issues, until the moratorium that was put in place by the government on Rent and Mortgages, the company deferred my payment which I always paid within the same month, the payment was due and I was denied the loan I applied for with my bank. 

On XX/XX/XXXX, I XXXX a cashier 's check to XXXX in the Ombudsman Office attention from my XXXX XXXX account to pay the deferred payment, which a signature was requested and the confirmation of delivery shows the company received the payment on XX/XX/XXXX. 

I am requesting my account be updated to reflect the payment for the deferred payment, since I never requested to defer my payment and they agreed to remove the late fees as a courtesy, if I could show that I had PAID my XXXX, XXXX and XXXX mortgage payments, which I sent them and it was later stated I didn't defer my payment but the reviewer on my mortgage account in XX/XX/XXXX, deferred the payment.

If Covid and the moratorium never happened, my payments would have continued as I was paying before the end of the month, prior to SPS Mortgage Servicing picking up my account from XXXX XXXX in XX/XX/XXXX.
Product: Student loan

I have Navinet and was told I had to do a forbarence in order to bring my account current to do the IBR. They reported my payments of IBR and it lowered my credit score. I pay my bill through their site which is now no longer working and they say I am missing payments. I ay what the online says each month. Apperently not all of my accounts are in one profile? I do not know where my payment is going? Site just went down this month.