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

My account with 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 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  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 or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial wellbeing.I am aware of my rights under the Fair Credit reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently the Consumer financial protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes citing, sham investigations, and other unlawful practices these practices outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may have been mishandled in a similar manner. 
Please review the inaccurate information being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

a computer glitch that was TransUnion 's problem - not mine - caused my inquiries to be deleted. I am well aware TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. these inquiries add a hardship and my rights were violated by TransUnion. I am asking you to help me make TransUnion stop victimizing me. As a resolution I ask kindly for  All  TransUnion inquiries affcted by the glitch to be deleted permanently from my report as a violation took place when they were illegally added.   XXXX  Thanks in advance
Product: Checking or savings account

I'm XXXX with XXXX ca t drive so I want a bank account for ssi benefits to go in and they won't let me have XXXX
Product: Credit card or prepaid card

I had a balance on my Barclays Business Card in the amount of {$5800.00} on XX/XX/2020. I made a payment on XX/XX/2020 in the amount of {$900.00}, which my statement shows. However, Barclays Bank never deducted the {$900.00} payment from my balance and is now telling me I still own {$5800.00}, after they already took the {$900.00}. I called on XX/XX/2020 and spoke to XXXX who can not give me an answer. This has happened in the past where Barclays added a {$2000.00} charge to my account and it took three months and a complaint to you to get that {$2000.00} removed. It's absolutely ridiculous that I need to go through this account on line every day to make sure they do their properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the XXXX  XXXX XXXX in 2010. At the time the proffessor failed to enter my grade into the system and I was notified that I had a balance due because dropping the class meant I was now a part time student not full-time student so Financial Aid was refunded. I went to my financial advisor XXXX and explained that was incorrect. I never withdrew from the class. As a matter of fact I A'ed it. I went back to the proffessor, he said he's correct the error and brought proof to my financial advisor XXXX. At the time I explained that I will not be returning to school due to the fact that I was going through a XXXX, XXXX, sXXXX XXXX XXXX XXXX and didnt want to mess up my GPA XXXX He said no problem. However, for me not to be responsible for the funds they returned to Fianacial Aid, he's going to have to put me in classes, apply for the funds from Financial Aid to get the class they mistakenly send the money back for covered, then he'd withdraw me from all the classes and I'll be OK. I specifically told him I don't want this to effect me in any way or have issues. It didnt sound right. He said not to worry, I'll be fine. Of course, as a student, you'd think I could entrust in my financial advisor. Once I saw it on my Credit Report, I immediately starting trying to resolve this issue with the school through phone calls and emails. I just kept getting transferred. Then I tried disputing it with the credit beureaus, they would come off and reappear as something new because the accounts keep getting sold. I contacted XXXX XXXXXXXX XXXX last week to find about my transcripts which still shows as me dropping the class. i never noticed before due to the fact I never requested them till now. I explained everything to them and they didnt want to hear anything. they said I waited too long. I told them I complained immediately when everything happened and was told it was resolved. now I see it hasnt. I asked to speak to the proffessor or my advisor, they said the campus closed so I cant do anything. I don't know where else to turn. It is frustrating being responsible for something they made an error on, and fraud just to get paid and still didnt give me my credit for a class I took which was difficult for me to get through. The accounts are currently showing under US DEPT OF EDXXXX {$9700.00} XXXX XXXX and the other is {$7300.00}. 
They need to remove this off my credit. It is not valid. I also have a letter clearing my debt.
Product: Money transfer, virtual currency, or money service

Below was a message I sent to PayPal that has yet to be resolved/replied to : " I tried to sync my XXXX to PayPal, but XXXX asked me to set up my PayPal as a business account. So I did. Then, 1 minute later, my PayPal account was " permanently limited '' ' but gave NO SPECIFIC reason as to why. I read every User Agreement and Resolutions page on PayPal, but there is no answer I could find. I've been on hold with PayPal 's customer support for over 2 hours! I need : 1 ) to unlock my account 2 ) transfer the money in my PayPal to my bank account, asap! There was already a class-action law suit against PayPal where your company had to pay {$4.00} XXXX in restitution. '' I have close to {$500.00} stuck in my account with no way to transfer and get it ou!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX company account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX  XXXX BANK account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( BANK XXXX XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( BANK XXXX XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX BANK XXXX account # XXXX ) has violated my rights. 



In accordance with the Fair Credit Reporting act Enhanced Recovery company account # XXXX has violated my rights
Product: Checking or savings account

In XX/XX/2021, my fianc and I purchased a XXXX XXXX bike. The bike was stolen in XX/XX/2021, and we filed a claim with our insurance company, XXXX. The claim was settled in XX/XX/2021 and a settlement check was issued for {$320.00}. I deposited the settlement check into my account in XX/XX/2021 and after a few days I checked my account to see if the check had cleared prior to spending the money. 

The check had cleared so I paid my final bill for XXXX off with the settlement check I had received from XXXX. With no warning, US Bank reversed the check and did not notify me. I noticed a negative balance when I logged into my account and called to ask why. I spoke with a representative at US Bank who said the check was not reversed, but they had never cashed it because XXXX put a stop payment on the check. I explained to them that I saw the check clear in my account and i explained that XXXX issued the settlement check and would not put a stop payment on it. I asked to speak with a supervisor, and offered to give them my claim adjuster 's phone number, which they did not accept. 

I called my claims adjuster and she agreed to speak with US Bank and told me that she can see the bank has cashed the check from her end so she could not reissue the check. 

US Bank refused to assist me, they dropped calls every time I called, they did not give me a valid reason for reversing the check, they never notified me, if I hadn't noticed I wouldn't have known until they closed my account. US Bank never tried to work with me to resolve this issue, and they charged me NSF fees for their mistake. When I asked for a letter stating why they closed my account they sent me a letter stating that it was closed due to overdrafts, and never addressed that they reversed my settlement check.
Product: Credit card or prepaid card

I've been trying to pay my New York and Company bill on line and over the phone. when I go on line to pay my bill and submit my information for easy pay to pay my bill, it says " we're sorry. a technical glitch ocurred and your request could not be completed. please try again ''. when I try to pay over the phone there is not response. I've been waiting on phone for a least an hour and they don't respond. On the other hand it seems I get a sooner response when my payment its already pass do and I have to pay the late fee which is {$41.00} more than my actual pay which is {$37.00}. I hope I could find some help on this matter. Thank you in advance. They also change my credit card number and never receive the new card which its also an issue for me to pay my bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2021 i sent a letter regaurding innaccurate and unknown informationon my report to this day over 60 days later I have not recieved a response yet. I feel like im being taking advantage of and being ignored of my disputes. Sec 611 ( a ) plainly states failure to investigate these items in 30 days gives a reason to immediately delete from my report. It has been over 60 days so they should be deleted immediately. I demand they be deleted immediately or I will file for litigation due to stress you caused me. My info may also have been affected by the equifax data breach and got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX. Company Inquiries : 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: Student loan

I applied for a student loan forgiveness program through a firm based out of XXXX, income based program said I did n't have to pay because I was n't making enough money. I had nothing to do with Navient and out of no where they starting sending me bills saying I owed way more than what I borrowed to go to school. XXXX credit reporting agencies have different amounts. They have me in defaulted status and are ruining my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe to XXXX XXXX XXXX Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased? Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
Product: Money transfer, virtual currency, or money service

On XXXX at XXXX my Cash App account was debited {$580.00} in association with activating a prepaid XXXX card on my deceased father 's phone. This occurred when I attempted to download XXXX and was prompted for credit card information. I inadvertently used a card that was supposed to be deactivated after reporting it lost 2 years ago. Despite it being reported lost and supposed to be deactivated ( you have to deactivate to activate a new card ). the transaction still processed, resulting in a significant and unexpected withdrawal from my account. I immediately contacted Cash App support on XXXX and was initially informed that the transaction had been voided and the fund were back in my account and everything was fine. However, not even 12th hours later, I discovered that the charge was not voided and the funds were deducted, leaving my account in a negative balance. Upon filing a dispute my dispute was denied when this transaction shouldn't have happened in the first place considering the card was supposed to be deactivated since i had activated a new one well over 2 years ago but on-top of that cash app had the charge voided/canceled but now i'm being denied my dispute and being sent into a loophole with support who refuses to answer any questions of mine. I have not ate in 3 days I have no fuel to get to work i have no one to help me, each time i get on the phone with someone I am given the same prompts and have to explain the same situation over and over again I also I rely on cash app to run my business and now can't do so, leaving me completely stranded here. XXXX said there's nothing they can do on their end as far as refund upon speaking with XXXX the senior advisor of media and purchases she informed me that XXXX will not be able to resolve the claims even though XXXX refunded XXXX XXXX of the charge which feels like a major slap in the face. This is not my debt it's not under my name, this was a mistake and I was not informed by XXXX or cash app and i did not approve of this transaction on-top of that attached are documents to relieve my late father who passed away XXXX XXXX due to XXXX of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN and AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute fraudulent items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4900.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXX XXXXXXXX Balance : {$2300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and collections are inaccurate
Product: Debt collection

I have been getting REPEATED calls at this number by MRS Associates ( XXXX ). They are robo calls for a woman named XXXX XXXX. I apparently inherited her phone number from XXXX XXXX. I have REPEATEDLY responded that she does not own this number and I do n't know her, but i still continue to receive calls. So I called the # and asked to speak with a representative. I was put on hold for a half hour, then was hung up on. Nothing I do keeps this company from contacting me every single day. Again, this is not XXXX XXXX phone number, nor do i know her.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a car loan with a repossession on both my XXXX  and equifax Credit reports. I have tried getting information from both the lien holder and car dealership listed on the report. The car dealership is no longer in business and the State of Oklahoma has no record that the entity existed as a legal business in the state of Oklahoma. I have repeatedly requested information including a contract and signatures from XXXX XXXX XXXX regarding this transaction. I believe this is a case of identity theft and I am unable to provide ANY information for an investigation and XXXX XXXX XXXX has NOT provided proof of the debt to me. I have disputed with all three credit bureaus. XXXX  concluded that XXXX XXXX XXXX has NOT and CAN NOT provide proof of debt and removed it from my report. XXXX  says the debt has been verified. I have repeatedly asked XXXX  both on-line and by certified letter as is my right under the FCRA 611 ( a ) ( 7 ) for a complete description of all methods used to investigate my aforementioned dispute. XXXX   has NOT provided this information. It has been more than 6 months and I have made multiple calls and sent several letters that have gone ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reported these fraudulent accounts with the proper channels, now im re directing it back to the credit reporting agencies with a demand to remove and block the following unauthorized and unknown accounts. Please remove these accounts immediately. 

1 ) XXXX  XXXX XXXX  XXXX XXXX 2 ) XXXX XXXX XXXX {$610.00} 3 ) XXXX  XXXX  XXXX {$68.00}
Product: Mortgage

During my conversation with XXXX XXXX a loan officer I was told that the money for a home appraisal would be refunded into my bank account if the home was appraised for the value I had stated during initial workup. A second call to Wells Fargo a week after the appraisal occurred I had not received a refund I heard upon this call that it wouldn't be refunded rather applied to my loan?! This was not what was discussed so another week later I called again and was told this time that no refund would be occurring at this point I was transferred to consumer loss prevention or some such department where I received the run around for several more months. Finally after two weeks of me calling several agents repeatedly I hear that from the calls they were " able to trace '' they would not be refunding me and that based on something that I had signed I should have been aware. While I can't dispute potentially overlooking something in the paper work I can without a doubt say this was not the conversation I had on the phone and the lack of ethics this company has shown is shameful. I would like to know what my options as a consumer are to prevent others from experiencing the same scam I have and if there is any hope of recovering my losses ( highly doubt ). Even when I talked to XXXX the executive it makes no sense why I would provide the fee upfront if there was any chance of a rapid appraisal? I feel like I was taken advantage of.
Product: Credit reporting or other personal consumer reports

Best Buy/Citi Bank Credit card is violating a lot of my consumer rights to begin Best Buy and myself are currently under a billing error dispute by law Best Buy/CIti Bank should not be reporting any negative items on my consumer file. Such s late payments as of XX/XX/2024 Best Buy /Citi Bank are reporting late paymentsAccording to 15 US Code 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. 
15 US Code 1681A ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; It is imperative that my consumer rights are respected and that all reported information accurately reflects my credit history.