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

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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 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: Bank account or service

Embezzlement Comerica Bank ( Texas State Bank ) : Allowed its holding company Comerica XXXX employee XXXX XXXX Senior Vice President Corporate Quality Process Department to create a fraudulent online XXXX Check/ATM Card account to embezzle {$4500.00} from my checking account. 

The online Account Summary indicates current Balance {$17000.00} with Available Balance {$13000.00}. This does not match my current Comerica Bank statement. 

XXXX XXXX Senior Vice President of Corporate Quality Process Department for Comerica XXXX has a history for over 20 years embezzling Comerica Bank account holders, supported by numerous online fraud complaint against XXXX XXXX. XXXX XXXX is a predator going after elderly and persons who will not or unable to defend against her embezzlement fraud for Comerica XXXX. 

This Online Account Summary account is located under accounts tab and can not be found under E Statements tab this account is not associated with my checking account and the welcome line does not display my name as the owner of this online account. 

My XXXX XXXX thru XXXX XXXX, 2016, bank statement from Comerica Bank ( Texas State Bank ) does not list any filing of legal documents to withhold {$4500.00} from my checking account. The entire amount of my ending balance is available. 

Without legal authority, Comerica Bank ( Texas State Bank ) and with no restrictions on my bank account according to my current bank statement. Comerica Incorporated block me from using my XXXX Check/ATM Card to embezzle {$4500.00} from my checking account, using the Comerica Incorporated online summary account created by XXXX XXXX to cover-up their fraudulent act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries that I didn't do XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX dual card
Product: Credit card or prepaid card

I bought two pieces of furniture ( sofa and a Recliner ), both from " XXXX XXXX XXXX XXXX, XXXX, CA XXXX '' and both have bugs in it, I can not use both piece of furniture and they are in usable. 

I bought the sofa for {$690.00} plus tax, and Recliner for {$400.00} plus tax I used Synchrony home Store credit card to make this purchase. 

I first tried calling the store and solving the problem on XX/XX/2019, I called them at the phone number XXXX and left a message with the store clerk for the store manager " XXXX '' to give me a call back. I called him twice but to no avail. 

After that I called the Synchrony home store credit card to solve the problem. Sometimes it connects to XXXX XXXX Call center and other times in XXXX, both the times customer service agents told me that they will first contact the store and call me back with the update, but I never received call back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma made false reports saying that i was approved for credit cards and i was denied and my credit was affected
Product: Credit reporting, credit repair services, or other personal consumer reports

Please know that I was not late on XXXX XXXXXXXX XXXX .. I wonder why Equifax report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Product: Debt collection

Sir, Experian wants to give me a credit card. I do not want a credit card because then I have to pay back my money to them ... 

I want my money. They took me my money ( which is a robbery ). Why do I have to get a credit card and lose my money??? I am going to talk to my Lawyer. She is helping me with the amount from XXXX. I will talk to her about this. For me, this is a robbery. It is my money. She was not supposed to get my money!!! 

I am not sure if you understand me, but this is terrible. If it is my money, they need to pay me ; not to get a credit card and used my money and then I would have to pay them back. I am not an XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was dismissed by court on being the one responsible to make the payments on the mortgage. The late payment made on the home by my ex husband was on XX/XX/XXXX this is when his payment was made on the mortgage. No other information was given to me by the bank. No registered letters in the mail. No phone calls. This company knew where I was employed. Made no attempts to contact me. House was foreclosed on XX/XX/XXXX without either of our knowledge. Again no contact from the lender. House was sold XX/XX/XXXX for back payments. On the credit report it is showing a Max delq. date of XXXX ( House was sold already ) so this is incorrect. Even shows late payments XXXX through XXXX after the house was sold. If I have no balance on this home why are there late payments showing on my account? Why was I notified on anything involving this home?
Product: Debt collection

i have filed 2 complaints on bank of america, now they have sent a {$27.00} return check fee to regulatory complaint servicing ( a debt collection agency ), who i can not reach because i could not hear the employee ext. # given by XXXX XXXX who called me on XX/XX/18 at XXXX XXXX. There # is XXXX I HAVE A XXXX BALANCE, THIS {$27.00} HAS BEEN CREDITED TO MY ACCT. I WANT BANK OF AMERICA TO CONTACT XXXX XXXX AND CORRECT THIS EVIL THEY ARE DOING TO ME. 
I CAN NOT REACH HIM BECAUSE I DON ' T HAVE HIS EXT # I CAN NOT BELIEVE THE EVIL SCHEMES OF THIS COMPANY, THIS IS A NEW LOW. PLEASE HELP ME. I WAS ENRAGED WHEN I REALIZED WHAT THIS COMPANY WAS DOING TO ME AND I TOOK IT OUT ON THE CS AGENTS, SO THIS IS THERE REPAYMENT. I WILL STOP THIS DEMONIC GAME RIGHT NOW BY APOLOGIZING FOR MY BEHAVIOR, BECAUSE I DID JUST WANT
EVIL WANTED ME TO DO, SHAMING MY LORD & SAVIOR XXXX XXXX. BUT HE WILL WIN, BECAUSE I FORGIVE.
Product: Vehicle loan or lease

I got an auto loan with Wells Fargo XX/XX/2022 I paid my loan on time its been almost a year and there's no auto loan showing on my credit report, I called them in XXXX of 2022 and reported that my loan was not showing on my credit report and I have been making the payments. They said they were going to send a dispute error to all credit bureau. I never received and correspondence on what was the updated. I tried to trade my car in XXXX XXXX and the dealership ran my credit and still NO AUTO LOAN showing on my credit report. I made another complaint to Wells Fargo and they said that they was going to send another dispute to all the credit bureau and I have yet receive a correspondence. I just don't understand how I been making payments for a year and I have no credit for it.
Product: Credit card

To Whom It May Concern : TD bank unsecured credit card TD BANK N.A. XXXX THIS CONTRACT IS CANCELED SOCIAL Security number XXXX XXXX XXXX I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a ) ( Whenever aconsumer reporting agencyprepares aconsumer reportit shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Product: Credit reporting or other personal consumer reports

To Whom it may concern. I have been reported by a commercial credit card company as no payment and charged off. XXXX XXXX act # XXXX and commercial card act # XXXX. I'm unfamiliar with these accounts and they do not belong to me XXXX XXXX, or my company XXXX XXXX XXXX. I've reached out to dispute with Equifax XXXX XXXX but they have failed to verify the accuracy of this account. They informed me " ONLY THE CREDITOR/LENDOR CAN REMOVE THIS. ''
Product: Debt collection

XXXX XXXX XXXX has reported 3 items on my credit reports - all which are passed the statute of limitations in CA. I requested debt verification XX/XX/XXXX. Heard no response until XX/XX/XXXX but no debt verification on two of the three accounts. Credit bureaus have no removed these items from my credit reports. I have all supporting documentation, if needed. Please note that the credit bureaus have removed the ORIGINAL CREDITOR as it is old debt.
Product: Credit card or prepaid card

I have taken action on this account as of XX/XX/XXXX timeframe and I have disputed this information and it states it does meet the FCRA requirements to be removed from my credit report but the company is still reporting it and the account is closed and paid off.
Product: Money transfer, virtual currency, or money service

PayPal has illegally withheld funds from me and have not released it to my account. I provided proof that the buyer was satisfied with my service and paid for my service in full in return. PayPal continues to hold to my funds illegally. 

Buyer information XXXX Transaction amount {$140.00} USD Refund requested {$140.00} USD Transaction ID XXXX Date reported XX/XX/2020 Buyer notes
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my credit report, I noticed accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the creditor. I am providing information on these disputes. I am demanding these accounts be blocked from my credit report, due to the fact that they are not valid and/or they are not caused by me. I have filed this complaint before without resolve. I am attaching the police report and Affidavit to this new complaint. I have attached everything that this company needs to do it's investigation. THE ORIGINAL CREDITOR XXXX XXXX IS NO LONGER IN BUSINESS. THE OFFICE IS permanently CLOSED THEREFORE THIS DEBT COLLECTOR Transworld Systems Inc. IS operating ILLEGALLY on there behalf. THEY HAVE NOT REACHED OUT TO THE ORIGINAL creditor to resolve this matter because they are no longer in business.
Product: Debt collection

I sent IC Systems an affidavit of truth and invoice for {$12000.00} back in XXXX. They violated several laws under the FDCPA and have not sent a rebuttal to my affidavit, meaning it is true. However, they have not paid the invoice that they are now liable to and only sent me a letter saying the accounts were being sent back to who they came from. It's too late.
Product: Student loan

On XXXX XXXX I inquired through Discover Student Loans secure messaging center whether Discover would be offering any lower interest rates or special accommodations due to the COVID 19 pandemic? 
I did receive a email response but was not able to call the customer service department until XX/XX/2020. ( The delay in my response was in direct correlation to caring for an ill family member, whose health failed and resulted in her death. ) When i asked if I could enroll in the offer of zero percent for the next 2 months I was told the offer expired! Also Discover did not offer this accommodation, you could only get the information if you reached out to them, offering no transparency. Even if you could afford to pay something on the loan during the offer, it was not permitted ; therefore there was no way to take advantage of the zero percent offer by making any payment. Discover offered to defer payments but interest would keep accruing at the same rate of the current loans. 
It seems Discover is doing nothing to support the student or the parent as a co-signer.
Product: Mortgage

On XX/XX/2023 I returned a call from Bank of America and spoke to someone named XXXX. 

She stated A letter was sent to you in the mail yesterday with no other explanation. 

XXXX was short, dismissive and reluctant to provide any other details. I then asked what does the letter say? 


She was very difficult to communicate with. 

XXXX stated on XX/XX/XXXX I was approved for an extension of the forbearance. I then asked what are the available terms for payment under this forbearance? 

XXXX stated no terms of payment are known at this time. I then explained upon the first forbearance the available terms of payment options were made known. 

XXXX just kept repeating the same boiler plate template statement, i.e., no payment options are known until after the forbearance is over. 

I then stated again, the payment options were available at the time the first forbearance was requested. 

She just kept repeating the same thing at which time I asked she reach out to a supervisor to confirm. She did not. 

The investor my loan is with has in writing what the payment options are and they should be disclosed by Bank of America upon extension. 
It sounds like Bank of America has no idea what my investor has set up as to terms. 

My investor is XXXX XXXX ( see attachment explaining payment options ).
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a medical office provided my information to a debt collection agency without my written permission. I did not sign a XXXX  waver allowing XXXX XXXX to disclose any of my personal information to the debt collection agency PARAGON REVENUE GROUP. I immediately called the collection agency and began feeling pressured to give an immediate payment even though I explained I did not currently have the amount requested. I have since been advised to send a letter to the collection agency explaining my rights under the HIPAA law were violated as I did not give permission for XXXX XXXX to disclose my personal information to PARAGON REVENUE GROUP, a collection agency. The amount that the collection agency told me that I owed was {$300.00}. I requested to see exactly what XXXX health sent to them and where in that paperwork was my signature stating that they were allowed to forfeit my personal information to the debt collection agency.I also submitted a dispute letter to XXXX requesting that the debt collection report be removed from my credit score, and i recieved a formal letter on XX/XX/XXXX showing the investigation results as DELETED- disputed item was removed from my credit report. I have attached documentation of the letter that was sent to me from XXXX, a record of the incident being reported to my credit score, and record of XXXX removing it, but XXXX and XXXX NOT removing it. If any additional information is needed I will be happy to supply it. This collection is a medical debt under the {$500.00} threshold and I am under the assumption that medical debts less than {$500.00} can no longer be reported to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this Account on many occasions with Equifax, XXXX and XXXX  about the Inaccurate reporting and each time it comes back as verified. I have sent an email to XXXX XXXX XXXX regarding this issue and have n't gotten a response back from them. 
Date of first delinquency show XXXX Monthly Reporting history show XXXX
Product: Credit card

Hi CFPB, My Discover account was closed, while in good payment standing. 

Discover suddenly, without reason, requested an XXXX IRS form 4506-C be filed. I submitted it 4 times electronically and it was not accepted each time. I spoke with a Discover personnel each time and finally one decent Discovery employee told me their XXXX system was faulty. She offered to send a written copy. I filled out the written copy before the postmarked date and yet, a few days later my account was closed. 

Full transparency I added my address to line XXXX, where is states " XXXX. ONLY complete Line XXXX if the address listed on your last filed tax return is different than Line XXXX ( current address on file with Discover ). 

I added the same address that I filed the last tax return. I should have left it blank. 

IM SO XXXX  SORRY!!!!!! 

Now my credit score dropped XXXX! 

Discover Security department wont help me over the phone. They say " although we can not re-open your account we can open a new credit card for you. '' I never want a Discover credit card again. 

I shouldn't be effected in this way because I put the right answer where it didn't call for an answer. Their automated electronic filing system says I gave incorrect information and canceled my account. This damaging, deceptive, unfair, and faultypractice was poorly administered. 

I'm going through one of the hardest years of my life with actor and directors strikes in entertainment and another strike looming this summer with XXXX. I have so many things going on that I missed on step and I'm greatly effected. 

I want this NON-financial credit card closure to be removed from my credit report. 

Thank you so much for your assistance in my matter.
Product: Student loan

My daughter XXXX XXXX has three student loans in repayment. I am a cosigner making her payments. XXXX XXXX but is currently in an internship sponsored by XXXX. We submitted a letter from XXXX explaining the internship runs from last fall to XXXX XXXX XXXX We submitted this letter to Sallie Mae together with a request for a forbearance. Sallie Mae declined, indicating the investor was not offering any assistance. Failure to offer a forbearance while students are still in school trying to further their education is not industry standard and is not what we were advised at the time we took out the loans. Such actions are unfair and deceptive. Moreover, the loans border on being usurious with rates as high as 15.75 %. I would appreciate it if Bureau would investigate Sallie Mae and its investors to prevent such unfair actions in the future as well as ask Sallie Mae to grant us the forbearance and refund payments responsibly made since last XXXX.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S, C 1681section 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

On XX/XX/year> I had ordered a part for my vehicle as instructed by my mechanic via XXXX XXXX and changed the part to my Citizen credit card in the amount of {$80.00}. 

I had disputed this amount originally via Citizens online portal on or around XX/XX/year> for non delivery. 

When calling parts geek they stated the item was delivered on XX/XX/year> which I refuted as so. 

XXXX XXXX customer service would not make good on the replacement or credit to my original credit card ( Citizen Bank ) On or around XX/XX/XXXX, I received a letter which arrived late to my address dated XX/XX/year> from citizens bank. The letter indicated they completed their investigation and reversed my temporarily credit and fully charged my account solely by the fact XXXX XXXX provided evidence that the item was delivered. And I had to respond by XX/XX/year> if I wanted to continue with this dispute. 

On XX/XX/XXXX, I spoke to a citizen rep XXXX XXXX Ref # XXXX regarding the issue in receiving their response letter late on XX/XX/XXXX and that I will submit the continued dispute option by faxing my response to do so. 

XXXX XXXX indicated claims was closed and that they will call next available day On XX/XX/year>, I prepared my new statement indicating I wanted to continue with this claim and detailed that I tried to resolve this with the merchant to no avail. I also indicated claiming an item as delivered is not evidence of actual delivery as many events could have resulted in the items not delivered but marked as delivered. Carrier may have claimed delivery but actually did not delivered the item, delivery to incorrect address, stolen by carrier or others and so forth. I further went on to explain that in civil law, title or possession does not pass from vendor to consumer until such time the actual physical goods were received by the party whereby actually physical evidence of good were transferred, evidence by signature. At that point title or possession passes. Without such evidence, the responsibility is on the vender sending out the goods and as such Citizen has a legal obligation to protect my interest as the contracted card holder. 

I faxed this document on XX/XX/XXXX and did finally receive a phone message from citizens dispute department stating for us to just send in the letter of continuance and indicate under penalty of law that I have not received the item in questions On XX/XX/year>, I spoke to a Supervisor XXXX XXXX whom appeared to be hostile with my claim and my inquiry, was aloof to my concerns and could not provide me with any information as she was confused with the notations on the account regarding this matter. She indicated someone from the dispute department will call and that never occurred. 

So as of today the charge is appearing on my account for items never received.