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

My account with XXXX XXXX, XXXX, XX/XX/XXXX was never late ! I have had exceptional payment history with XXXX XXXX, XXXX, XX/XX/XXXXT 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 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 that are 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 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, credit repair services, or other personal consumer reports

Discovered on XX/XX/2022 that my credit card with Prosper XXXX had a balance owed for an annual fee, but in addition to that I got 2 late fees. I confirmed w/2 agents XXXX & XXXX at Prosper, they never called me, they had my correct #, they never emailed me, they had the correct email as well to advise that I had a balance owing or sent me anything BUT the actual card in the mail. They had my email, phone # and mailing address all correct in their system. I had activated the credit card on XX/XX/2022, unfortunately 13 days after my mother XXXX XXXX passed from XXXX. I do not typically get credit cards with annual fees and not getting any notification I owed anything I had no way of knowing until I tried making a {$7.00} purchase on XX/XX/2022. Initially, I thought it got declined as I hadn't activated the card yet. I spent the next 2 days frantically trying to contact or payoff the amount that I owed. When I called XX/XX/2022 and talked to XXXX, she confirmed they never attempted to call me, or email me. Stated that i had online statments, advsd that I signed up for them on XX/XX/2022 so that wasnt a valid argument, furthermore, all of my credit cards and bills come to me electronically, and I get an email on ALL of my credit cards alerting me my new statement is available for review. Prosper has now denied any credit correction request I have initiated claiming it was not bank error. There was no mitigation on their part as far as trying to protect or inform their customer they are behind or have a balance owed. I feel this is very predatoryXXXX I talked to a XXXX, who also informed me that ALL 16 of the interactions on my credit card account were from ME contacting them. No calls placed to me as of this date XX/XX/2022 as I requested a Supervisor to reach out to me to discuss this concern and also to waive out one of the late charges. I already paid the annual fee of {$39.00} + their {$29.00} late fee and {$1.00} in finance charge for both of these fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX. I am a victim of identity theft and did not make the following charges. Please remove these fraudulent accounts as quickly as possible.
Product: Credit card or prepaid card

For many years I had an AAA Visa -Bank of America credit card XXXX I received a letter dated XX/XX/XXXX that the AAA Member Rewards credit card account by Bank of America was to be taken over in XX/XX/XXXX by XXXX XXXX XXXX. 
I had XXXX points and chose to redeem XXXX for cash. I submitted my request online and the attached Bank of America Cash Redemption email I received stating : Your redemption request is confirmed. Please allow XXXX business days from the date of redemption to receive your rewards. It is noted a personal check was requested and the XXXX ID number. As of XX/XX/XXXX, I have not received this {$100.00} check. 

I read online that Bank of America has been ordered to pay {$250.00} million for illegally charging junk fees, withholding credit card rewards and opening fake accounts. The CFPB accused the bank of harming hundreds of thousands of customers, etc. The bank illegally withheld promised credit card cash rewards. 

My {$100.00} is small in comparison to the money owed to customers but Bank of America needs to be held responsible for all monies withheld and owed to customers, regardless of the amount. Thank you.
Product: Student loan

I have twice now contact my student loan servicer, Nelnet, regarding the issue I am experiencing through their " Contact Us '' portal. I should have an autopay discount applied to my student loans, however each of the XXXX times it has been applied just in this month, it has reverted back to my original interest rates. 

I am properly enrolled in auto-pay, making regular above-minimum payments and yet accruing interest at a rate that is not accurate to my account. 

The most recent attempt at contacting Nelnet was yesterday, XX/XX/XXXX. Prior to that, it was early XXXX and I do not recall the date as it is not directly through email that I contacted the servicer.
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Deletion of Accounts Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to notify you that I am a victim of a data breach. As a result, unauthorized accounts have been added to my credit report. I am requesting that these accounts be blocked and deleted in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

Below are the details of the accounts that require action : Accounts to be Blocked and Deleted : 1. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$25000.00} XXXX. UNAUTHORIZED COLLECTION Account Number : XXXX Date : XX/XX/XXXX Amount : {$1500.00}
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} 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

Hello, I recently took a big hit to my credit score for an unknown balance that I had with Discover after canceling my card with them. I'm hoping that I can have the damage reversed. 

What happened is I canceled my card in XX/XX/2023 after deciding it wasn't useful anymore. I paid off any remaining balance and cancelled over the phone. 

Just now, I saw that my credit score has gone down by XXXX points owing to delinquency on a Discover account. I logged in to find that they claim I owe {$8.00} based on some adjustments that happened following account closure. 

I immediately paid the {$8.00} and called them to ask that the delinquency is removed from their reporting as it had a big impact on my credit score. They said that I would have to contact your office to make the request. 

Again, I immediately reconciled the amount once I saw it reflected on my score. I had no notification from them about there being an outstanding balance, and had tried in good faith to pay the card off in full at time of closure ( it was only ~ {$4.00} and change to close it at that time ). 

Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally request and investigation into an unauthorized hard inquiry from Xactus on XX/XX/year> which I did not authorize in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not remove a collection that is a duplicate report from XXXX XXXX XXXX. I have disputed this specific item 3 times with Equifax and followed up with a customer service representative about this dispute to no avail. 
Date Reported : XX/XX/XXXX 1st one reported Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$230.00} Amount {$350.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # # # XXXX Creditor Classification XXXX  Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX reported Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$240.00} Amount {$350.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # # # XXXX Creditor Classification XXXX  Last Payment Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX
Product: Vehicle loan or lease

My bank has been trying to payoff my car loan since XX/XX/23. Sent multiple checks. I have had to call multiple times and have been hung up more times than I can count. Finally today after being so fed up and speaking with rep after rep all saying the check was not received I asked for a supervisor. He stated no payoff check has been received. At that point I tracked the XXXX  package myself and see the check was indeed received by Ally bank ( for the XXXX time ) on XX/XX/23 at approximately XXXX. I inform the supervisor of this to which he puts me back on a lengthy hold and finally comes back with the processing center does have the check. But still won't post to my account until Tuesday ( Another 4 days ) Not only was this aggravating & asinine but seems extremely unethical to hold over XXXX XXXX dollars for days without posting it to the customers account. The reasoning was to ensure the funds cleared, but Respectfully that is only my problem if the funds are returned. Also someone can call the bank directly to verify funds ( I work at a bank and its done every day ). It seems Ally is trying to rack up those extra daily fees late fees ect & most importantly affecting my account history and possibly my credit just to pad more money onto the payoff. It's really unfair & unacceptable on top of lieing about even receiving the funds. I will attach if able screenshots of the multiple calls made the info sent from the bank and the tracking info from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Youre currently reporting XXXX XXXX XXXX XXXX as Open on my report but this account has already been closed for more than XXXX  days. This is an improper use of my credit. Please fixed this.
Product: Debt collection

They have literally left messages and texts repeatedly. They called my husband, my daughter who lives in another state, my brother in law 's police department issued cell phone number ( I don't even know this number ). They are randomly calling people with the same last name and leaving messages. I have asked them to cease and desist and they continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth attempt to notify you that I am a victim of identity theft and I write to dispute the account XXXX XXXX Balance {$0.00} in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. This account is unknown to me. Also, the information provided on some accounts is DELETED from other bureaus and I have doubts about the accuracy of Experian Bureau the reported payment history on some accounts is a mystery to me. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling my request should result in the immediate removal of the account Pursuant to Section 605B of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEE ATTACHED DOCUMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

For three years Discover Card refuses to remove or correct the incorrect reporting of a duplicate Discover card debt of XXXX. 
Discover claims I have a total debt of XXXX on two seperate cards and that they are being paid on time seperately! This is wholly untrue. 

I only pay one card, one payment, automatically, via my XXXX account on the 15th of every month, as I have forever. 

I DO NOT AND NEVER HAVE had two cards or two payments! 

Discover CSR says their computer has records that reflect back to three years ago of my requesting they repair this issue. Last year, the same, no change. Last month they said they would handle it. Now Discover Card claims its possible someone else listed me on some other card. This is a false statement by Discover Card. No information has been made available to me to validate their THEORY. This is a tech problem at Discover cARD AND THEY REFUSE TO LISTEN TO LOGIC! 

The evidence and information available to all parties is as clear to anyone with a smidgen of logic. Despite multiple verifiable requests Discover Card continues to shirk responsibility for ruining my credit and consequently my personal & financial life. 

My credit has been ruined for three years despite transparent evidence on all my credit reports that I have been paying or paid off multiple reported debts completely. 

All Credit reporting agencies continue to reduce my credit score. 

There is a direct correlation between my poor credit and my inability to secure loans due to Discovers error. They continue to excuse their bad behavior with nice talk and get NOTHING DONE! I am seeking counsel in order to secure restitution from the XXXX  dollar company that appears not to care about people, the very reason they are in business in the first place! 

XXXX REPORTS TWO DISCOVER CARDS YET THERE IS ONLY ONE!! 

XXXX XXXX Last reported : XX/XX/2019 {$12000.00} Good  XXXX XXXX Last reported : XX/XX/2019 {$12000.00} Good
Product: Mortgage

Prior to purchasing my home, the previous owner removed her pool. I was being overcharged by my township and informed them. They reduced my taxes. I sent the reduction of taxes notice from the Township to PNC as they directed in XXXX. My taxes are reduced by {$210.00} a quarter. PNC has for the past 3 months still have still been charging me the same monthly payment, even though I see that are paying the reduced tax amount correctly. They will not adjust my monthly payment to reflect the reduction in taxes. 

I have sent multiple letters and have called a number of times, I get passed around from person to person with no answer. I left numerous messages for managers I was told were not in and will call me back. The last person, switched me to a number that is no longer working at PNC Bank. I keep paying the overpayment because I do not want this incident to affect my credit but at this point I want to be reimbursed for all overcharges and to have my monthly bill adjusted to reflect the correct payment amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX/XXXX  XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Mortgage

My wife and I initiated a refinance through our existing mortgage lender, Pacific Union Financial. We started the refinance process with plenty of time for the loan to close prior to a 30 day late. We have never experienced a 30 day late in all of our years as homeowners. We were assured by the loan consultant that our loan would close/fund within 30 days. Although we signed all loan documents on XXXX XXXX ( with plenty of time for the loan to close/fund prior to end of month ), the loan did not close until XXXX XXXX, 2015. I have documentation in writing ( e-mail from escrow office to loan consultant ) explaining that a mistake was made in terms of the payoff amount and this caused a delay in closing our loan. Nevertheless, Pacific Union Financial reported my wife and I to the national credit agencies as being more than 30 days late in our mortgage payment resulting in a severe impact to our credit rating. I wrote a letter to Pacific Union Financial on XXXX XXXX, 2015 but was surprised to receive a response on XXXX XXXX stating that they were denying our request to correct this issue. This was an irresponsible reaction given that the mortgage lender was provided with the written documentation clearly showing that a mistake was made in the processing of our refinance.
Product: Credit reporting or other personal consumer reports

I sent a dispute about my XXXX account status that shows multiple late payments. XXXX XXXX doesnt respond to me, I have a monthly automatic payment so the payment comes out every month from my account, and the credit bureaus just keep saying they verified its late and refuse to send me validation like they are supposed to according to law from the fair credit act. I want the late payments updated on my report since they have failed 3 times to show me validation and now have made it where I can NoT dispute it anymore.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history 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 to be updated.

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.

EXPERIAN 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! 


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

XXXX XXXX  is continuously reporting DEROGATORY STATUS in regards to my loan UNDER FEDERAL LAW (CARES ACT RULES) I reqested a forbearance  COVID-19 (PRIOR to becoming deliquent ) PLEASE NOTE THERE RESPONSE IN PREVIOUS COMPLAINT A LYE !!! XXXX the time of first complaint NOT OFFERING ME THE FORBEARANCE THEN ALL OF A SUDDEN AFTER MY COMPLAINT THEY WERE FORCED TO COMPLY, ALSO THEY VIOLATE THE GRACE PERIOD XXXX no time was I delinquent when applying for COVID-19 therefore its illegal under Cares Act. THEREFORE THERE NOT REQUIRED TO MAINTAIN A DELINQUENT STATIS "there a lyer)  by federal law required to report as CURRENT, I spoke to there legal department numerous times and they agreed the report was wrong then last week he stated it was not wrong and I hung up in his face, there tactics and damaging my report has acquired much emotional harm as well higher interest rates that creates a hefty penalty/LAW SUIT there wrong reporting dropped my score XXXX points QUITE DAMAGING please note I am a payee on the XXXX XXXX law suit and XXXX has adopted the same practices.