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

My account with the XXXX XXXX  company and i was never late! I have had exceptional payment history with this company 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 XX/XX/year> 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.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 an 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 even years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I have an account with XXXX XXXX XXXX XXXX.. On XX/XX/2021, I tried to withdraw {$300.00} cash from my XXXX checking account using a Bank of America ATM . I did not receive any money. I went home and reviewed my checking account balance and {$300.00} ( including a {$3.00} transaction fee ) was deducted for the disputed transaction. I immediately called my bank to dispute the transaction. 

XXXX responded the same day and said they were investigating the transaction and would provisionally credit me the disputed amount, which they did. 

On XX/XX/2021, XXXX informed me that their investigation found no error in the transaction. I called them that day and asked for a copy of the documentation they used to make their decision. 

XXXX sent me the documents on XX/XX/2021, which included a transaction report from BoA showing that the transaction was successful. 

I immediately called XXXX and asked for a copy of the video of my transaction as this would conclusively prove or disprove my claim. I was told that a dispute specialist would call me and I received that call today. The XXXX representative told me that unless there was an obvious problem with the transaction, he could not help me further and suggested that I contact BoA. 

I called BoA right away and was told that they would not help me since I am not a BoA account holder. After further discussion, I asked for a copy of the video of my transaction. She said that I needed a subpoena or my bank would have to request a copy. 

So, in order to see the video evidence, I would have to spend a lot of money on an attorney and take time off from work to attend hearings. 

I am attaching all the documents I received from XXXX on the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has placed incorrect inquiries on my credit report history. When I reached out to Transunion they would not comply to remove incorrect information. 

# 1 XXXX XXXX XXXX dated XX/XX/17 # 2 XXXX XXXX from XX/XX/17 # 3 XXXX XXXX XXXX XX/XX/17 Transunion is unwilling to correct false information that is negatively affecting my credit history. Please provide assistance. Thank you
Product: Credit card or prepaid card

I have been getting charged {$2.00} minimum interest charges after paying the account off on the due date. Starting back to XX/XX/XXXX. Due date for this account is the XXXX of every month. 

-- XX/XX/XXXX, payment made of {$37.00} -- XX/XX/XXXX, payment made of {$5.00} -- XX/XX/XXXX, charged {$2.00} minimum interest fee when account was paid off on XX/XX/XXXX. 
-- XX/XX/XXXX, payment made of {$16.00}. Account paid off. 
-- XX/XX/XXXX, charged {$2.00} minimum interest fee. I knew account was paid off so didn't bother to check my balance. 
-- XX/XX/XXXX, charged {$2.00} late fee. 
-- XX/XX/XXXX, payment of {$2.00}. 
-- XX/XX/XXXX, received a credit of {$2.00} as " small balance adjustment '' -- XX/XX/XXXX, payment made {$37.00} -- XX/XX/XXXX, charged {$2.00} interest fee. 
-- XX/XX/XXXX, payment of {$8.00}, account paid off. 
-- XX/XX/XXXX, charged {$2.00} minimum interest fee. Paid the {$2.00} on XX/XX/XXXX. 
-- XX/XX/XXXX : I paid off the account for {$67.00} on the exact due date. 
Received an email on XX/XX/XXXX that my minimum payment is {$2.00} for interest, due XX/XX/XXXX. Received an email XX/XX/XXXX saying my new balance due is {$6.00} ; Previous {$2.00} interest fee, {$2.00} late fee, and now an additional {$2.00} interest fee. Contacted Victoria Secret, representative stated that he could not waive the late fee of {$2.00} but would waive the total of {$4.00} for the interest fees. Representative explains that the {$2.00} is the interest being " Carried over for the next month '' but I paid the balance off on the due date, paid in full. 

The last several months, I just paid the {$2.00} because I didn't think anything of it but been catching on to this and the fact that they're charging people interest when the account is paid on the due date.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX failed to provide sufficient notice of balance on inactive credit account. This resulted in an unforeseen late report which could've been resolved. I paid the balance and closed the accounts immediately but was unfortunately only notified by a 3rd party credit score monitoring service. I have disputed this report with the bank as well as state and federal agencies. My concern remains that communication to customers from the XXXX XXXX prior to taking credit-impacting action is insufficient. I was only provided a single mailed letter. Being out of town at the time, this was not received for weeks. The XXXX XXXX has an account messaging system that was not used to provide notice. My contact information including accurate email and phone number was not used to provide notice. Engagement to the customer was minimal to the point of negligence. Removal of " late '' status from reporting and my credit history is requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had this account opened back in 2010 I only had missed one payment and the rest I made payments on time. Before I closed the account I made sure to paid in full. Its still showing up in my credit report as missed payment and its preventing me getting a good loan with my lender.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, XXXXXXXX XXXX I attempted to withdraw XXXX XXXX from my XXXX account. The XXXX was not transferred as requested. I attempted to contact XXXX via the support ticket protocol several times they were nonresponsive ( XXXX withdrawal missing # XXXX XXXX withdrawal ). 

At XX/XX/2022, XXXX XXXX I filed a second support ticket ( Missing Deposit / Missing With Drawal # XXXX ). On XX/XX/2022 @ XXXX XXXX I received the following response : Hello Your withdrawal attempt on your account has triggered a review for potential fraud. While we investigate this all withdrawals on your account have been disabled. 

In order to help us with this investigation please can you send us : 1. A selfie ( a photo of yourself ) - The photo must show you holding both your ID and a hand written piece of paper that displays " XXXX Verification '' along with the current date. 

Once we review the information you submit, please note we may ask for additional information as we carry out our investigation. 

We apologize for any inconvenience this investigation may cause you and we hope to get this matter resolved as swiftly as possible. 

Best, XXXX On XX/XX/2022, XXXX XXXX I complied with the requested information. Since my response XXXX has been non responsive. 

On XX/XX/2022, XXXXXXXX XXXX I filed an additional support ticket ( Missing Deposit / Missing With Drawal # XXXX ) I attemped to make a deposit & subsequent withdrawal yesterday. I was told that my withdrawals have been blocked due to a fraud invistiuagation. I was ask to send addtional verifcation of my identity yesterday. I complied with the request. Support has been non-responsive ... ... .. See attached the requested information ...... 
Uploaded XXXX XX/XX/2022, XXXX XXXX XXXX is still non-responsive ..... 

Subsequent attempts to file a support ticket resulted in the following message : You are not allowed open more support tickets right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of of XX/XX/2019 an inquiry that I did not authorize was generated on my credit report by Clarity services Inc . Upon knowledge of this information i disputed this with the credit bureau to know avail. I then attempted to reach out to the creditor to get proof of authorization for this inquiry as the federal law under the frca company 's are supposed to have but to no avail.
Product: Debt collection

I signed up for XXXX service in conjunction with an Internet service the Internet service site that I signed up with said no contracts no prepayment penalty I moved from the location I was that in 2017 XXXX continues to send to 3 different credit bureaus collection agencies demand for payment of the {$200.00} I have spoken with XXXX on several occasion 's I have repeatedly told them show me send me a copy semi a recording where I agreed to pay a {$200.00} termineation thing and now this case is with Franklin collection service inc XXXX  Mississippi case numbers XXXX I do not believe I owe this debt and they continually send it to another collection agency please help me
Product: Credit reporting or other personal consumer reports

Effective XX/XX/, XXXX XXXX transferred my mortgage to XXXX Mortgage. I paid my XXXX mortgage payment on XX/XX/XXXX. My TransUnion credit report shows that I have a new account with XXXX and that I have a missed payment with XXXX and that my mortgage balance is now {$1900.00} higher and that I have two mortgages. This lower my score in the double digits. XXXX also shows that I have a 40 year mortgage when I only have a 30 year mortgage. This was reported to TransUnion on XX/XX/XXXX. I need XXXX XXXX to report my account closed, and I need XXXX to correct my mortgage term, my account balance and my mortgage term, and that I don't have a missed payment. I also need my payment reduced. I had an escrow shortage with XXXX XXXX that was spread out over 24 months with a mortgage payment of {$1600.00} that has jumped to {$2100.00}. I am on a fixed income that is net $ XXXX/month. I believe that that, because I have so much equity in my home, they want me to foreclose. A friend of mine won a XXXX XXXX lawsuit against XXXX, which is the parent company of XXXX, due to fraudulent practices and XXXX XXXX has the same practices. XXXX XXXX added {$5000.00} to my balance with no explanation and I can't get to the bottom of this with either lender. Please help me.
Product: Credit reporting

I have submitted proof that certain accounts are not mine and these accounts have not been taken off. I have also disputed XXXX Credit Card account because it says I have paid late but I have submitted proof that I was not late on the account. There are other accounts I have disputed as well but they do n't verify the information and they do n't even look at the proof I have submitted. This is frustrating. I would like to buy a house and with this incorrect information on my credit report it is impossible to do so. I have submitted the same proof to all 3 credit agencies but it is clear that they do not even take time to look at the proof. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that have been posted on a credit report. Countless times I have fought with the credit agencies but have made very little progress. Even with the proof I have submitted it is still ignored. There are also other accounts that I never opened. I am trying to be proactive and tackle this before I hire an attorney to go after these credit agencies. Because the XXXX website only shows payments made during the current year I am unable to print off the proof of on time 2015 payments.
Product: Checking or savings account

I HAVE TRIED NUMEROUS OF TIMES TO GAIN INFORMATION ON A TD ACCOUNT THAT I NEVER OPENDED. THIS ACCOUNT IS STOPPING ME FROM OPENING ANY ACCOUNTS. THIS ACCOUNT IS NOT MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/2013 and XX/XX/2013 I deposited a check in my account in the County of XXXX XXXX California, from a third party. Check did not clear, maybe altered or stolen. Bank of America closed my account after freezing it an reported me to XXXX XXXXXXXX and XXXX XXXX for fraud activity or intent to commit fraud. For more than four year I have not being able to open a checking or savings, personal not business for my corporation with any financial institution because Bank of America reporting.
Product: Debt collection

Messerli & Kramer has received several documents from me proving I am exempt from financial judgments & wage garnishments. I am exempt because I currently receive government assistance & have for several years. I received notice dated XXXX XXXX, XXXX a notice to appear in conciliation court on XXXX XXXX, XXXX. XXXX XXXX had hired Messerli & Kramer to obtain a judgement against me. This is a violation, as I have exempt wages in which XXXX XXXX XXXX has been made aware through supporting documents I had provided them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Total account was {$1300.00} XXXX XXXX XXXX XXXX credit collection settled with me for {$960.00} Now I'm seeing a balance on my credit report for {$410.00} that account is settled and it needs to be close at a XXXX balance I've reached out to the company in numerous of time How's change
Product: Credit reporting or other personal consumer reports

In accordance with XXXX XXXX, which stipulates that all contracts entered into by myself with a buyer must be supported by proof of debt and a copy of the contract, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Furthermore, both the Federal Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) reinforce the necessity for strict adherence to these conditions. 
Inquiries that I have not authorized also have affected my credit standing XXXX  XX/XX/year> XXXX  XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX XX/XX/year>
Product: Credit card or prepaid card

Today XX/XX/2020 I received a Brinks Money Prepaid Mastercard at my address but not in my name. I did not request a card. I am worried that it is a scam and do not want to call Brinks because I do not know if it is a legitimate number or some type of physhing scam. I have also received several text messages on my phone over the last 10 days to the name listed on this card which is why I opened the letter even though it was not my name.
Product: Credit card or prepaid card

On XX/XX/XXXX J went to XXXX to buy XXXX XXXX XXXX . I have told them that I want to finance it through my Barclaycard Apple rewards card. They have made a charge. My first statement went out fine as it should without any APR charged yo my account. But after I got second statement I was already charged APR 21.85 . I have called Barclays and they told me that I have to call them before I make purchase to make it promotional, but nobody has told me that and my first purchase year ago was promotional without any call. Plus all this happened 45 days after I have made a purchase and they cant change it to promotional purchase due to exceeding 30 days period. Sounds like a nice trap yo me.
Product: Debt collection

Found out about this debt when attempting to refinance a home equity loan we inherited from my XXXX. 
XXXXXXXX XXXX - account was opened XX/XX/XXXX and closed XX/XX/XXXX ( I was supposedly paying for some kind of account protection for job loss/lay off/illness ). Apparently was not true. 
I had lost my job balance was XXXX On XX/XX/XXXX called XXXXXXXX XXXXXXXX to attempt to clear this up ( XXXX ) was told it had been sold to XXXX XXXX XXXX On XX/XX/XXXX made my first of 7 phone calls ( XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to Federal bonds and had been told their system was down, they could not give me the information I was asking for - proof that I signed anything allowing them to obtain my debt, balance, payoff ) this has been the same conversation at each call. Today XX/XX/XXXX I once again attempted to contact them only to be asked to leave yet another detailed message. 
This is the ONLY delay I have to finishing my loan refinance and I'm getting no where with them. 
I have disputed this on XXXX XXXX and informed them that if this is not cleared up I will be forwarding all of this to my attorney. 
I'm hoping you can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, Ally Financial stopped reporting my decreased loan balance to the credit bureaus, so I called them and requested that my new monthly balance be updated. I called them every month from XX/XX/XXXX until XXXX of XXXX. Even when I had paid off my loan on XX/XX/XXXX, Ally Financial refused to update my information and report my account as being paid in full. They promised me they would make the necessary corrections but never did. It wasnt until XX/XX/XXXX, that I was alerted that Ally Financial closed my loan account and reported me as being over 60 days delinquent on payments. I checked my credit reports to find that Ally Financial had reported the months of XXXX, XXXX, and XXXX as paid. However, XXXX through XXXX were reported as no data. Meanwhile, XXXX and XXXX had been marked as delinquent. I immediately called Ally Financial frustrated because they promised that they would update my information but never did. Ally Financial was being deceitful, so I filed two disputes with three major credit bureaus ( i.e. XXXX, XXXX, and XXXX  ). The first dispute that I filed was practically ignored because Ally Financial reported to the credit bureaus that nothing was wrong with my account ; so, everything stayed the same. Thats when I requested Ally Financial to send me the necessary documents that I needed to prove that I was correct and show that Ally Financial was falsifying my information. I included my documents as proof when I filed my second dispute. However, all three credit bureaus are still reporting various false information. The date that my loan was paid off is wrong, the months that my loan was being paid are incorrect, my account is still dated as being delinquent, the date of my first delinquency is reported as of XX/XX/XXXX, and my account status is still reported as not more than three payments past due. I was never late on a single payment. Ive requested for Ally Financial to correct everything and they havent. How can Ally still report that I made payments in XXXX and XXXX when my loan had already been paid off since XXXX? That has to be illegal. I believe they reported it like that on purpose, to make it seem like I was behind on payments for two months, and finally paid off the delinquent payments. We are now in XXXX, after eight long months of back and forth phone calls with Ally Financial, and three grueling months of filing credit disputes, I refuse to file a third dispute. The credit bureaus continue to report what Ally Financial says and refuse to make the corrections that I have sent proof of. Ally Financial has affected, and is still affecting, my credit score with their fraudulent activities. My credit score fell about 200 points! Im trying my best to get back to the initial score I had before the derogatory trades were reported in XXXX. However, its difficult to do so when negative information wont be removed from my file. I have done my part, without help from Ally Financial, and I am now at my wits ' end. Im hoping you can correct this for me and hold Ally Financial accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX and Equifax have denied my multiple disputes on deleting my bankruptcy after the time it legally should be deleted. I have attached official official copies of my discharged bankruptcy! remove from my reports Equifax, XXXX and XXXX asap as i have hired an attorney to handle this wrongly emotional distress situation with XXXX, Equifax and XXXX. i will contact the Vice president of company in a week if this isn't handled correctly and the right way to treat someone.I have attatched multiple proof of official XXXX. XXXX dismissal date as of XX/XX/2012.
Product: Student loan

I complete paid off my Unsubsidized and A big chunk of my subsidized to the point I had only had {$750.00} left in XXXX. I checked this morning to see that it said I owed {$4000.00} Ish on my student loans I know that some were dispersed for spring semester a couple days ago but That was about {$1500.00} so my loans total would be about {$2200.00}. 

I checked and it said I never made a payment but I looked at my bank statement with the {$2000.00} taken out of my account in XXXX. 

Idk what to really do. Id apprecite if someone can help me
Product: Credit reporting, credit repair services, or other personal consumer reports

AMERICAN EXPRESS - have closed my account in the beginning of XX/XX/2017 without contacting me. They kept sending me the bills and at the same time they have put my card in collection. They started saying I had to make full payment to stop the collection and/or accept they high interest if I had a payment installment. For that reason I didn't make XX/XX/2017 payment and I contacted XXXX XXXX XXXX XXXX to help me negotiate the interest and have monthly payments I could afford. It was negotiated in XXXX and even though we had the agreement they kept reporting late payment to the credit bureaus. I would like it to be removed from my credit reports as I made payments agreed on time and I have a proof of it. Also, if they could remove XX/XX/2017 late payment as well, as I believe I though the minimal payment was done and they never notified that it wasn't. I feel very hurt my American Express because they have put my account in collection without first talking with me about it and trying to find a great and fair agreement.