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

My account with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 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 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 XXXX
Product: Credit reporting or other personal consumer reports

XXXX and Equifax-These 3-credit bureaus are reporting fraudulent inaccurate information on my credit report. They also have old addresses and wrong names on my report. This has affected me adversely it's not until I pulled my report recently when I discovered that the information on my report was inaccurate : Wrong names Wrong address Wrongs husband 's names Debts that I was not aware of.
Product: Debt collection

Debt is on credit report, debt is from year XXXX, contacted debt collection by written debt validation letter XX/XX/XXXX, sent certified with signature conformation, never heard back from the company, conformation was signed XX/XX/XXXX, asking to remove debt cause it's too old for collections it's been 10yrs since acct was closed. No contract was signed.
Product: Credit reporting or other personal consumer reports

Attorney and I requested proof of ownership after CFPB Vs. S.N.A.A.C. ( CIVIL ACTION : 1:15-CV-401-WOB, 2017-CFPB-0013 ) was settled and Security National Automotive Acceptance Company closed their doors . They failed to provide proof of ownership over the Title and Loan. At a later date they sent a modified contract with their name as the beneficiary of the loan, falsely removing " XXXX XXXX XXXX XXXX XXXX '' from Original Contract and replacing it with " Westlake Portfolio Management ''. Thus creating a fraudulent document. Westlake Portfolio Management has been sent a cease and desist letter on two separate occasions. They failed to comply and caused further damage to my credit report. They threatened to repossess the car while I was XXXX XXXX XXXX over seas and did not comply with The Service Member Relief Act.
Product: Credit reporting or other personal consumer reports

My Equifax credit score and information is not updating. It is reflecting outdated and incorrect information. It is significantly lower than all of my other scores by XXXX points. This is impacting my ability to purchase a home.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I opened an account with XXXX XXXX mortgage and submitted paperwork that I earn money and that I dont have monthly only taking out as I can and I made my payments and then I was late I spoke to them and tried making partial payment and they did not let me so I had to wait till I can make the payment and it became even latter and now they have on my report that I was XXXX XXXX days late which is not true and as I am looking they still have not posted it and or removed the late as I was promised
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  ( Paid in Full ) Reported : XX/XX/XXXX {$7700.00} XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX( Never Late ) Reported : XXXX. XXXX, XXXX {$0.00} Individual : Bankruptcy ( Never Filed this ) XXXX XXXX, XXXX {$0.00} Discharged CH-XXXX  I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for
Product: Credit card or prepaid card

I was charged by XXXX in XXXX of 2019 when i reported the fraudulent charge to XXXX  the refunded the amount immediately. ( I have documentation of this ) I canceled my card in XXXX of 2019. 
In XXXX of 2019 I was billed for the amount refunded. The credit card company state that i was charged again. The bill state the charge was made in XXXX and was posted on XXXX XXXX bill. XXXX stated they did not make a second charge. I explained this to American Express. American Express has not resolved this issue. American Express is trying to charge me for a charge that was refunded to them. I have tried to resolve this with American Express and they continue to bill me for the amount of XXXX.
Product: Money transfer, virtual currency, or money service

Hi- I filed a wire transfer with Wells Fargo 10 days ago and it did not go through. Upon reviewing the documentation, I discovered that the bank rep had made TWO mistakes typing the IBAN number on the transfer. I had found the first one at the time, but she sent the wire after that and signed off on it. My brother-in-law in the XXXX was in dire need of these funds ( {$22000.00} ) as he was laid off from his airline position, his employer revoked his visa and the gov't is threatening him with prison if he does not leave IMMEDIATELY! This, plus he just found out that his son in The XXXX was diagnosed with XXXX and is XXXX XXXX XXXX, requiring immediate assistance. I have gotten the runaround from Wells Fargo, constantly being told " we will get back to you ''. The money was automatically deducted from my account on XX/XX/10. I received an email from their 'Executive Office '' Complaints Specialist, signed by a XXXX XXXX ( no last name ) instructing me not to reply by email. I believe they are trying to avoid any written proof of the bank error which may cost my relative a prison sentence in the XXXX. They keep saying they 'will get back ' to me, but time is running out. My brother-in-law 's bank told him that all they have to do is send the CORRECT IBAN and the money will be released. I informed numerous management at Wells Fargo to no avail. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, at XXXX XXXX  I tried to call XXXX at XXXX since they have a collection on my report for {$1700.00}. 
I was on hold for 20 minutes as they could not find my account. I gave them my social security number like 2 times and they could not still find my account. I was transferred to XXXX and hung up after 35 minutes. 
I have called back on XX/XX/2021, at XXXX XXXX  and they still can not find my account under my social security number. I asked them to send me a letter to have removed my report and they say they can not do that. Yet their collection is not accurate on my report and I want it removed or closed. 
They ask for the account number and what the credit report says, is not an account number of theirs. 
I have disputed this and the reporting agency will not remove this from my report. I want this off my report as the company has no record of my account with my social security number.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased XXXX plane tickets at the CapitalOneTravel website with 3 upgraded seats in row 19 on XXXX XXXX, I was charged for the XXXX tickets plus {$220.00} for upgraded seats in row 19. 

When I checked my airline booking unfortunately the seat purchase did not go through and instead I was assigned free seats ( while my upgraded seats had selected were still available ). I then used the same card to purchase the seats again separately. 

On XX/XX/XXXX I called customer service to get a refund on the original seat selection I was charged for but never received. I spoke with XXXX XXXX ID XXXX, who after putting me on hold and checking told me the transaction had already posted and there was nothing she could do. 

I then asked to speak to her supervisor and after another 5-10 minutes she came back and told me her supervisor couldn't talk to me either because she couldn't help me. 

I have now been double charged a total of {$440.00} and need to be refunded the original {$220.00} I was charged on XX/XX/XXXX since I never received the upgraded seats I paid for. 

I have attached the receipt sent by capital one showing the {$220.00} they charged me for the upgraded seats and the XXXX XXXX seat assignment image showing I was not assigned the seats in Row 19 that I paid extra for but instead received a seat assignment of free seats in Row 13.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I sent a letter to TransUnion asking them to remove all old and inaccurate address from my credit report. They have done nothing. They also have incorrect NAMES on my report. The only name should be XXXX XXXX XXXX and the only address should be XXXX XXXX XXXX XXXX MD XXXX I sent identifying documents along with the letter as well. 
All phone numbers outside of XXXX should be removed as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act.the following accounts have violated my rights. 
1 ) XXXX XXXX account # XXXX 2 ) toyota motor credit account # XXXX 3 ) XXXX XXXX account # XXXX 4 ) XXXX XXXX account # XXXX 15 u.s.c 1681 section 602 a. states that i have the right of privacy 15 u.s.c 1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish a account with my written instructions.

15 u.s.c 166b a creditor may not treat a payment on acredit card account under an open and consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : 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: Debt collection

This so called debt collection agency is calling me from XXXX. They said I got a payday loan from a company called XXXX XXXX that is located in XXXX, Alabama. I live in XXXX, XXXX and has never been to XXXX. I asked for information about the debt and they hung up on me. I called XXXX XXXX and they did not know who I was. They are constantly contacting me threatening to garnish my wages if I do not send them money. The guy tried to force me to give my bank info over the phone.
Product: Mortgage

I stopped working with XXXX as he was just taking my money from credit card account but nothing being done? On second thought maybe that was a mistake as Wells Fargo will not really be representing??? me if i end up in court. 
I can not go back though, I just want to start paying which i request over and over. XXXX XXXX ( Exec Support Specialist ) who is in the department they told me to contact. ) He was very helpful ( to move my court date to XX/XX/XXXX ) but i guess that did not do anything to get me start paying on my mortgage which i want to start paying on now!!! 
I guess now i go to court on XX/XX/XXXX which will be rough. 
Any suggestions? 
Thank you for your help
Product: Checking or savings account

In XXXX, I sent over detailed documentation to Capital One related to a service that was fraudulent. I provided documents including the owner/ service provider admitting that the service was faulty. When the service provider offered myself an alternative service and a later date, she never followed through with scheduling leaving myself with a faulty service and no accommodation. Capital One has no interest in protecting their customers.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX Bankruptcy - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

In XXXX of this year Costco issued a Citi credit card in my name, as the primary on the account, without my express consent. They claim that they sent a letter indicating that existing Costco credit cards with XXXX XXXX would be switched to the Citi card. I did not receive such a letter. I found out only a few days ago that the Costco XXXX card I had was canceled and a new Costco Citi card issued in its place. At no point did I give authorization for such a change. Was it legal for Costco to issue the Citi card in my name without my express consent?
Product: Checking or savings account

over a period of 5 days in XXXX XXXX dollars was taken from my savings account at td bank. I was out of the country during that time and my card was not with me. when I went to check my account a month after I returned home ( the man at td bank that I reported it to who was an assistant XXXX said I had a 3 month time period to report it and I was within that time period ).. it have spoken to the assistant XXXX and the XXXX of the branch and filed a report with the nyc police department but it is almost 4 months later and this XXXX is still missing. as I need to pay a caregiver for my husband I need this money but am getting no results from the bank and do n't know where to turn to next. any help you could give me would be most appreciated
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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
Product: Credit reporting or other personal consumer reports

Despite verified proof of total payoff of my loan account & verified release of title to me ( verified via my XXXX XXXX account ) recently I received a notice that XXXX XXXX has listed my account as " delinquent status '' with credit reporting agencies despite being paid off in full, irreparably damaging my credit history. This mistake has caused serious pain and psychological damage and demands financial relief. XXXX has yet to respond to my repeated requests to fix this and this fraud must be addressed and I need to be made whole given the grievous negative affects on my credit score as I am house searching. XXXX internal request XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint was closed in 2018. TD Bank keeps reporting this to the credit file. This is incorrect information at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Credit Card with XXXX XXXX XXXX. after nearly 2 years of on time payments i made a payment with a work account which they rejected. No big deal BEFORE the due date i made another payment and not only did they close my account they reported me late on the Credit Bureaus. The payment was made XX/XX/XXXX ironically i made the payment XX/XX/XXXX and payment was not due until XX/XX/XXXX. You can never get anyone on the phone as my account has not been turned over to a " special deparment '' As i type this complaint i have been on hold for nearly 20 minutes trying to make a payment. Practices like this company go unchecked. They have committed an intentional crime not a mistake and i need help getting them to own " their '' mistake and correct my XXXX Transunion and XXXX In conclusion i was just HUNG up on while waiting to make a payment. Thank you
Product: Debt collection

I received an invoice from XXXX  ( Invoice # XXXX, attached XXXX  Customs Invoice '' ) for duties collected regarding an item purchased overseas ( Seller : XXXX XXXX XXXX, Country of Seller : XXXX ). 

This item was found to be defective upon arrival ( see attached " XXXX XXXX supporting emails '' ). Subsequently, the item was returned back to sender and my purchase was refunded by the Seller ( see attached XXXX return invoice and " XXXX Refund for XXXX 55-135 '' ). Under 19 C.F.R. 158.12, Customs should reduce the declared value to reflect the latent defects and adjusted value that the shipper noted on the return invoice. 

I notified XXXX customs department of this issue on XX/XX/XXXX and to ask for a reduction of duty charges. I received a response from the XXXX XXXX broker 230 days later on XX/XX/XXXX stating they could not defer the duty payment. I contacted the XXXX XXXX broker to request a drawback on XXXXas instructed by XXXX XXXX and Tax customer service representative and Drawback Specialist at US XXXX  ( see forwarded email below ). I have not heard a response back from them as of XX/XX/XXXX. 

Due to the value of the returned item was XXXX Euro, which was stipulated by the seller, the duty collected on import should be {$24.00} in accordance with the exchange rate on XX/XX/XXXX ( HTS XXXX is XXXX Euro and XXXX XXXX is XXXX Euro ). 

I requested a drawback from XXXX multiple times the last of which was XX/XX/XXXX. I have not heard a response as of XX/XX/XXXX. 

I have saved emails of my attempts to contact the various entities within XXXX customs/duty to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021. XXXX, XXXX, and Experian failed to produce an investigative report on XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.
Product: Credit card or prepaid card

I was approached by Wells Fargo during a university 's new student orientation day in XX/XX/XXXX. I opened a checking and a credit card accounts in XX/XX/XXXX. A college credit card had a limit of {$1000.00}. After two years, I called Wells Fargo to see if that credit limit can be increased. I was still a college student at this point. The customer representative said yes. After few minutes he said now you have a credit card with {$5000.00} limit. And I said, there must have been a confusion I just want to increase the limit of the current card I hold. The customer service representative said he could not increase the college credit card because it was a college credit card and had a limit of {$1000.00}. So in XX/XX/XXXX Wells Fargo opened a flexible spending credit card under my name without my permission. Now from what I hear Wells Fargo has been doing, I also am a victim of their fraud. Since Wells Fargo is my first bank, it's hard to close my bank account with them without having my credit downgraded. There should be a policy where credit card opened without your consent, your credit score should not be hurt. I urge Wells Fargo 's practice to college students to be closely reexamined.
Product: Debt collection

Hello, This firm is going by two names. 1st is Retrieval Masters Creditors but when you call them back they say they 're American Medical Collections. The caller ID says RETRIEVAL MASTERS. I had thought this tactic alone was illegal. 

I think the debt is medical, we 're not sure. Reason why is when they first called we asked them to validate the debt, the caller stated " she 'd email it to us '' that was not the right answer. Soon after they called again, we demanded validation of the debt, we mailed them asking them to validate the debt as well. To date, we received nothing from them. But yet, they continue to call. We feel they 're clearly breaking the law