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

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


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

I demand the late payment reported in 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

Transunion shows me with XXXX accounts from XXXX XXXX XXXX XXXX. All of the information is innacurate. Thie open and closed dates, balance and payment history isnt correct. They have refused to provide any supporting documents this information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I finished with the process of freezing my minor 's credit by sending three packets of requested information to XXXX, TransUnion and XXXX. XXXX and XXXX  provide forms and ask for copies of documents, which is not a problem. TransUnion does not provide a form, and requests an official copy of the childs birth certificate. I sent a copy of the birth certificate rather than an official copy, as I will not provide such a " breeder '' document to anyone outside of the governments. Please help change the way TransUnion makes it more difficult to protect our minors credit. 



TransUnion TransUnion XXXX. XXXX XXXX XXXX, PA XXXX -One copy of your government issued identification card, such as a driver 's license, state ID card, etc. 
OR -One copy of your Social Security card OR -One offical copy of your birth certificate -One official copy of the child 's birth certificate -One copy of the child 's Social Security card -If you are the child 's legal guardian, a copy of the court document naming you as the guardian or other appropriate court appointed documents -A written request to place a protected consumer freeze on the named individuals file No form. Must include a written request to place a protected consumer freeze on the named individuals file
Product: Credit reporting, credit repair services, or other personal consumer reports

I have summitted a complaint a few times about the fraudulent accounts reporting on my XXXX  credit report, due to me being a victim of identity theft
Product: Credit reporting or other personal consumer reports

XX/XX/2023 each company ran my credit without my permission or written permission
Product: Mortgage

This involves LoanCare LLC again. I sent them my updated hazard insurance policy, which they claim they never received, even though they paid the renewal right out of my escrow account on XX/XX/XXXX. Today, I received another letter from LoanCare stating that they were charging me {$25.00} for a lapse in insurance coverage from XX/XX/XXXX to XX/XX/XXXX because for some reason, their records indicate a lapse in coverage. 
My previous policy on this home went from XX/XX/XXXX to XX/XX/XXXX, and that was with XXXX. The coverage for this year picked up right at XX/XX/XXXX to XX/XX/XXXX. I sent LoanCare the policy for last year XXXX and AGAIN the one from this year XXXX. I will include these documents in my complaint. 
I want them to stop coming up with ways to try and extract money from me with ridiculous fees. If they are truly a legitimate servicing company, I can tell you this XXXX would not be happening. I believe they are a scam company. My loan was sold to them from a reputable mortgage company. I want my loan taken from them and sold to someone else legitimate ASAP. I am going to have an attorney look at everything they have sent me thus far. I've only been with them a month and I have received two collections notices. I have had mortgages for the past 20+ years with all different servicers and NEVER have I EVER received any collections notices. THEY ARE A SCAM COMPANY, PLEASE INVESTIGATE!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

INFORMATION AND ACCOUNTS WAS LISTED ON MY CREDIT REPORT THAT I DID NOT OPEN
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding Kovos reporting of seven late payments on my account from XXXX XXXX XXXX XXXX XXXX. These late payments are a result of payments from my card being misapplied to another account instead of mine. Despite making these payments on time and in good faith, my account was incorrectly marked delinquent. 

I contacted Kovo to explain the error and provided evidence showing my payments were made on time and applied to the wrong account. Kovo has refused to address this issue, investigate the error, or update the inaccurate information on my credit report. 

This is a violation of the **Fair Credit Reporting Act ( FCRA ) **, which requires furnishers of information to ensure the accuracy of data reported to credit bureaus.

-- - **Relevant Laws Violated : ** 1. **15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : ** Furnishers of credit information are required to ensure the accuracy and integrity of the information they provide to consumer reporting agencies. Misapplied payments resulting in inaccurate reporting of seven late payments violates this requirement. 

2. **15 U.S.C. 1681s-2 ( b ) : ** Upon receiving a dispute, the furnisher must conduct a reasonable investigation. Kovo failed to investigate my dispute and did not correct the misapplied payments, which is noncompliance with this section.

3. **15 U.S.C. 1681i ( a ) : ** Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports. Kovos refusal to investigate and address my dispute violates my rights as a consumer under this laws
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these two credit authorizations through XXXXXXXX XXXX for XXXX store card XX/XX/2021 and also for XXXX XXXX  on XX/XX/2021 This is illegal and against the fair credit and reporting act somebody must have access my information and social security number committing fraud and then attempting to obtain credit through my financial information these need to be removed immediately.
Product: Debt collection

I tried to contact credit bureaus XXXX XXXX, XXXX ) to have them remove this paid debt from my credit report and it still remains. I contacted the debtor but was told they can not remove from my credit. I feel it I paid for this debt in full is should be removed with no problems. I have reached out to all credit bureaus and they wont budge.
Product: Debt collection

XXXX  : I purchased a phone through XXXX about XXXX years ago from XXXX and got the additional insurance on the phone. I traveled to XXXX and got robbed. I went to the XXXX store in XXXX, XXXX to get a new phone and instead of giving me a new phone, I had to pay FULL purchase price on the phone and NEVER had my claim processed by XXXX. XXXX refused to pay my claim and XXXX never helped me. They just kept taking money from me. I have never missed a payment or even had a late payment on anything, you can check my credit. I promise, swear, or whatever. This debt isn't mine and it anythingXXXX XXXX and XXXX  owe me a new phone. Thank you.
Product: Debt collection

Beginning on XX/XX/XXXX, I received a letter from the XXXX XXXX XXXX XXXX XXXX claiming I owed a past due payment I was never aware of in the amount of {$220.00} with a late fee included of {$25.00}. The XXXX XXXX XXXX XXXX XXXX also claimed and threatened that they could proceed with the Treasury Offset program and/or other collection action if I did not abide by their Voluntary Repayment Agreement. They never stopped sending statements and making claims of putting the account to the Treasury Offset Program, as well as increasing the XXXX they had set at 1 % and increased to 7 %. On XX/XX/XXXX, I received a letter from Transworld Systems Inc. ( TSI ), this letter claimed that I initially owed {$200.00} on XXXX XXXX, but they added on : an interest fee of {$1.00}, a fee of {$68.00} and totaled to {$270.00}. The letter that TSI did not coincide with the statements that XXXX XXXX XXXX XXXX XXXX had been sending. On XX/XX/XXXX, a full payment of {$240.00} was made from the Internal Revenue Service ( IRS ) to XXXX XXXX XXXX XXXX XXXX through the Treasury Offset program. However, the XXXXXXXX XXXX XXXX XXXXXXXX XXXX and TSI has not stopped sending letters with the wrong amounts they claim I owed. On XX/XX/XXXX, the exchange sent a statement claiming it still owed {$220.00} and of course they have received a larger amount from the Treasury Offset Program. To make matters worse, the exchange has not been in contact with TSI to update them that the account has been paid. On XX/XX/XXXX, TSI sent a letter making false claims that the amount owed has not been paid off. TSI has also stated that they have been contracted by the Exchange to initiate an Administrative Wage Garnishment as a threat for not having paid this threat even though it has been paid. 
The XXXXXXXX XXXX XXXX XXXXXXXX XXXX has failed to update this account and TSI that it has been paid off by the method of Treasury Offset program. The XXXXXXXX XXXX XXXX XXXX XXXX has also failed to send a statement stating that this account has been paid off and has taken more money than what was owed. Furthermore, the XXXXXXXX XXXX XXXX XXXXXXXX XXXX has failed to stop all notifications even though this debt was submitted to the Treasury Offset program and has continuously been a nuisance along TSI. It was stated in their letter sent on XX/XX/XXXX, that no notice will be given before I am offset, but that is not the case because the XXXX has contracted TSI to continue sending letters.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Inquired on XX/XX/year>, XXXX Inquired on XX/XX/year>, XXXX XXXX Inquired on XX/XX/year>, XXXX XXXX Inquired on XX/XX/year>, XXXX Inquired on XXXX XXXX, 2023, XXXX XXXX Inquired on XX/XX/year>, XXXX XXXX Inquired on XX/XX/year>, XXXX Inquired XXXX XXXX XXXX, 2023, XXXX XXXX Inquired on XX/XX/year>, XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/year>, XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX  Inquired on XX/XX/year>XXXX XXXX XXXX XXXX Inquired on XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX Inquired on XX/XX/year>, XXXX XXXX XXXX XXXX Inquired on XX/XX/year>, XXXX XXXX XXXX XXXX Inquired on XX/XX/year> & XXXX XXXX XXXX XXXX XXXX XX/XX/year> 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled a copy of my credit reports and found inquiries from XXXX XXXX XXXX. I reached out to the company on XX/X/17, spoke with rep " XXXX '' but she did not provide any additional identifying information. She explained the inquiry was from a joint application for a student loan. I have never done a joint application and I do not need private student loans as I receive federal student loans. Per the Fair Credit Reporting Act, all information reported to a credit bureau must have validated proof they belong to the reported account. This is usually done with a validated signature and a copy of a current photo ID. I do not believe Wells Fargo posses either of those documents and therefore the accounts can not be validated and must be removed from my credit report.
Product: Credit card or prepaid card

Newly opened account, first payment due XX/XX/2023. I attempted to make the payment, but there was not any money in the account at the time, so it got rejected and I was charged a fee. I made XXXX and XXXX 's payments on time with auto pay. On XX/XX/2023, an auto payment successfully went through, but by accident a manual payment was processed as well. 
I tried to explain the circumstance, but the rep told me the decision has been made.
Product: Checking or savings account

My debit card was compromised and my money was taken out of my account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX. XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX. Sc XXXX XXXX Account # XXXX XXXX. XXXX XXXX- Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reported as having a late payment for XXXX and XXXX, when in fact I have the proof that I made my XXXX payment XX/XX/XXXX, which was not 30 days late and then I made my XXXX payment on XX/XX/XXXX. I provided this proof and their still not correcting the issue. 
This is hindering me from getting approvals for other things when in fact I've shown proof and it's still not corrected.
Product: Credit reporting or other personal consumer reports

Experian is keeping this inaccurate/invalid account on my credit report. They are in violation of the FCRA 15 u.s code 1681e compliance procedure. They have not properly validated this account before reporting it on my consumer report and did not do a proper investigation after notifying them of the issue. I have contacted them about this account multiple times in the past, and they keep saying this account is verified accurate. The alleged original creditor could not provide sufficient documentation to me. There is no way a real investigation was done on this issue, because the original creditor could not provide sufficient evidence to validated or support this account. This account is inaccurate and must be removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is intentionally doing fraudulent or illegal reporting of information. This credit reporting agency is falsely reporting missed payments on an account ( XXXX XXXX ) that does not belong to me and it has been disputed. Not only is TransUnion doing that, but this agency is also reporting missed payments on this account and the account has been closed. If TransUnion is not going to be held responsible for its tactics, by your organization, then who do I need to contact, that is over your organization? Because, clearly, it can be seen that TransUnion intentionally does thing that is in the best interest of TransUnion and not the consumer.
Product: Checking or savings account

In XXXX 2022 and without my approval, Wells Fargo switched my checking account to a different account product with higher monthly service fees and balance requirements. I've been a Wells Fargo for over 20 years and my checking account was called XXXX Checking with a $ 25 monthly service fee that is waived by maintaining a {$20000.00} balance. In XX/XX/2022 and without my approval, Wells Fargo changed my account to XXXX Checking which requires a {$250000.00} balance to waive the higher $ 35 monthly service fee. Wells Fargo explained my account was changed to " XXXX '' as part of a restructuring of their checking account products. However, they still offer a Prime Checking account with a $ 25 monthly service fee that is waived by maintaining a {$20000.00} balance so there was no need for Wells Fargo to change my account to XXXX with higher fees and balance requirements. To switch my account back to XXXX Checking, they requested that I come into the branch to sign forms.
Product: Debt collection

A XXXX XXXX XXXX of US Bank XXXX XXXX XXXX on XXXX/XXXX/15 manually adjusted a check deposit out of a checking account weeks after it had cleared the maker 's bank. At no time have I been issued any notice or option to dispute. They have refused to comply with Cease and Desist so that I can pursue dispute. They have refused to cooperate with external mediation so that the dispute can be resolved. They have refused to issue any form of document regarding how much they claim they are owed on an account that had overdraft protection on a linked credit card account that I was able to pay and close. They blocked deposits or other payments to the account at issue at the same time as the manual deposit. They have only vaguely stated they want cash only delivered in person only to only XXXX XXXX XXXX Branch Manager of US Bank XXXX XXXX XXXX who as in this is not likely to credit the account at a national bank that has no possible options to do so. I do n't live in or bank with that branch at the time or since as one whose ATM never worked either. They retaliate for seeking external mediation. And have completely blocked even paying while continuing to escalate extrernal credit reporting damage and stalking me personally harassing me up to 3x a day with the block of payment, refusing to do other than issue another completely different false claim, taunt, harass while I am at work taunting about falsifying the entire thing, etc. 

They have in the XXXX and XXXX suburban areas of US Bank as well as MN Fraud Division for all of XXXX, refused to comply with Cease and Desist so that I could pursue dispute and resolution of this false claim. 

They continue to and take all these actions with fraudulently created debt which is against the law directed at anybody or any type of entity. 

I am being harassed so continually and methodically, including the XXXX XXXX and other taunting up to 3x a day, that US Bank has become violently dangerous to my personal safety. They are disrupting and forcing cancellations of necessary health care XXXX, etc. 

The time and money they are gouging about this dispute are also in XXXX dollars by now and irreparable damage has been done over this nearly 2 month time frame of illegal collections, illegal credit reporting, and illegal personal stalking to the point of a computer cartoon entertainment on the part of US Bank employee who continues to orchestrate it.
Product: Credit card

On XX/XX/2023 I made two purchases from XXXX XXXX ( XXXX ) totaling {$10000.00} on two vintage time pieces. The promised delivery dates came and went and after waiting two months I cancelled the order and requested a refund per the vendors policy stated on their site. The vendor apologized and stated a refund would be processed within days. After a week I received a refund confirmation e-mail stating a refund was processed but nothing hit the credit card. I called CitiBank and they confirmed, no refunds from the vendor had been sent. I followed up with the vendor who apologized and stated it was an issue with their accounting team. I went back and forth with the vendor for another two months and reached out to my credit card company for advice. They suggested I dispute the transaction so they could investigate. I did this and waited the required time. After the vendor responded CitiBank closed the case and reversed the charge back to me. They have not been able to provide information on what the response from the vendor was. They are doing a follow-up on my case but have not been very good with follow-up. I provided 16 pages of e-mails with the vendor to CitiBank as part of the dispute. I feel none of this was reviewed as CitiBank would have clearly seen the company had promised a refund and no product was ever shipped. Even the order number shows as cancelled on the vendors website. I am seeking assistance with CitiBank as no refund has been received and no product received yet I was still charged the $ XXXX on my credit card.
Product: Mortgage

I bought my home in XX/XX/XXXX I used the VA Home loan and I am a XXXX   veteran. I have made all my payments on time the entire time I have owned my home. In XX/XX/XXXX, my house payment was kicked back to my account. Unbeknownst to me, SWBC changed the payment portal website and did not notify me in any way. When I called to find out why my payment was sent back to my account, they told me that they have a new payment portal and to use this website from now on. So by the time my payment was processed again it processed on the 31st day so it was late. I paid XX/XX/XXXX and XX/XX/XXXX payment together and I was told I was current and up to date.

I go to purchase another home utilizing a different company and on my credit report it showed XX/XX/XXXX was late. When I go to dispute it, it was taken off and then moved to XX/XX/XXXX on my credit report. SWBC refuses to write any type of letter saying that my account is in good standing and current when it is. I have nothing late and the one payment that was late would not have been had it been processed the first time and I was notified of the payment portal change. I feel like they are hindering me of a purchasing a new home with a different company.
Product: Debt collection

I requested validation of the debt from the company. After reviewing the documents, I saw there was a discrepancy in the amount I was being charged under the original contract. The payment was not supposed to be changed at all since I signed a 60 month contract. When XXXX sold my account to XXXX, that is when all of the issues began. I was charged {$87.00} more over the course of 23 months of the contract, with the payment increasing about every 3 to 6 months. After reviewing the invoice from the credit collection agency, I saw they added additional charges and fees than what was outlined in the contract and what was charged off by the original collector. The original contract does not give the collection agency additional remedies that they can collect, other than the charge off amount. The charge off amount itself is incorrect because they added an additional {$87.00} above what was mentioned in the report. I attempted to contact the collection agency regarding this and the person I spoke with kept speaking over me, told me I needed to " just pay it '' and then finally she said if I didn't like it, I could " try '' to dispute it with the credit agencies. I am doing that and sending this complaint here as well for assistance with resolution.