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

My account with the company and i 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 MONTHS 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.

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: Debt collection

I received a second notice from a law firm in XXXX alleging that I owe the XXXX XXXX # XXXX for non-payment of a road toll. In the second notice they say I did not respond to the first notice, when in fact I did respond to their first notice. In my written response I told them the debt was not mine and explained why I did not think so. I also called the collectors to explain but they insisted that I provide proof. 

Do I have the burden of proving their allegations are false before they will stop their proceedings? I live in the XXXX XXXX XXXX XXXX. This is a toll for a roadway near XXXX. No car I own has been close to it.
Product: Student loan

Good afternoon, I enrolled in auto debit with mohela, for the past three months there has been no issue with deducting from my bank account and having my payment processed in time. For this month, I got an email saying that my payment is " past due '' despite receiving email confirmation that they deducted from my bank account AND the amount posting to my bank account. Not only is my payment " past due '', I am incurring penalty charges and it is not showing up on Mohela 's website as being paid.
Product: Debt collection

I disputed an account on my TransUnion report ... ..the account in question is : XXXX XXXX XXXX It is still reporting after my request to delete it because it does not belong to me.
Product: Mortgage

My mother, XXXX XXXX XXXX XXXX ( the Borrower ) passed away in XXXX, 2023, with a reverse mortgage on her home. The lender is REVERSE MORTGAGE SOLUTIONS and the servicer that we have been dealing with is PHH MORTGAGE. We wanted to pay off the mortgage because the interest rate was high. We requested a payoff but never received it. We were able though to get the house under contract rather quickly so decided not to continue to pursue the payoff further but to instead pay the loan off at closing. The lender has been incredibly slow giving us the payoff and I and the closing law firm 's paralegals have been placing numerous calls in an effort to get the payoff. I learned on the phone today that the reason it takes them so long is that there procedure is that before giving a payoff they order an appraisal on the house -- THE COST OF WHICH IS CHARGED TO THE LOAN!!! There is not reason for an appraisal. We are asking for a payoff, not a loan write down. So, in the end we will be CHARGED OVER {$1000.00} TO RECEIVE A PAYOFF! This is unconscionable. Also, they told me that you must order a payoff for a date certain, which means to be on the safe side you must order it for at least two weeks out and overpay if the closing occurs before the date of the payoff. They then take 90 days to give you your money back! This must be illegal lender arbitrage.
Product: Credit reporting or other personal consumer reports

Synchrony Bank HSN is not reporting balance history correctly on the XXXX credit reports. They are showing last payment in the history for XXXX  XXXX, XXXX and XXXX payments in the balance history, I have documents of all payments made for those months that were not 30 days late,
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystems is currently reporting erroneous information on my ChexSystem report. I have contacted ChexSystems on several occasions via certified mail on XX/XX/2021 & XX/XX/2021 with no resolution. ChexSystems is reporting an account from XXXX XXXX XXXX XXXX showing a balance of {$1500.00}, that I have no knowledge or relation to this supposed debt. ChexSystems has failed to provide me with sufficient verification of this erroneous information that is currently reporting on my ChexSystems file. In my letters to ChexSystem I asked for a procedural request, asking for any proof of this debt and what info they obtained from the source. ChexSystems responded to my first letter stating that the account was verified from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX used a XXXX Drivers License to verify the account opening. This is absolutely % 100 inaccurate as I have never lived in XXXX and I do not have a XXXX Drivers License. I contacted ChexSystems a second time, again requesting verifiable proof of this account that is negatively reporting on my ChexSystem file. ChexSystems responded to my 2nd letter stating that they re-investigated my concern and again stated that XXXX XXXX XXXX XXXX verified the account with a XXXX Drivers License. ChexSystems is obviously just parroting what XXXX XXXX XXXX XXXX is telling them, without conducting a proper investigation. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that ChexSystems disclose to me all of the documents that they have recorded and retained their file at the time of my request concerning the accounts that is reporting in my ChexSystems report. 

I have also contacted the source ; XXXX XXXX XXXX XXXX via certified mail on XX/XX/2021, with no response to date. I am demanding that ChexSystems removes this erroneous info from my report. This reporting error is causing me extreme financial difficulties while in the process of purchasing a home. Under the Fair Credit Reporting Act, ChexSystems has failed to provide me with my basic rights as a consumer by not conducting a proper investigation of my concern. 

I find this entire investigation demeaning and disrespectful. As a member of the XXXX community and born of XXXX descent, I was stereotyped and profiled based on my last name XXXX. I am an XXXX born and raised citizen, who is very proud of my country. I was directly insulted by Affinity XXXX XXXX XXXX, stating on 2 separate occasions that this erroneous account was opened with a XXXX Drivers License. It is obvious that this is a reporting error from XXXX XXXX XXXX XXXX, and ChexSystems refuses to remove this inaccurate information from my file. Between this and XXXX XXXX XXXX XXXX ignoring any attempted contact I try to make with them, I have no choice but to reach out to your office for further assistance with this matter. I thank you in advance for you help, and look forward to hearing from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to this company XXXX, 2023 asking about this debt they disclosed a different amount that was in my credit report. I asked when did they send me letters in the mail because they were not received they stated they couldnt tell me this information. I asked about paying to delete off my credit report they told me they dont do that. I told them that I have the medical card in my state which means free medical insurance so I dont understand how I owe a debt in the first place. The representative told me she could not help me and was really rude over the phone. 

The account is a medical bill in collections from XXXX XXXX XXXX Amount {$330.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was not entitled to check my credit history, I have no interest in getting a new loan or purchase any items from them.. It is not authorized and therefore must be deleted from all my credit reports
Product: Credit reporting or other personal consumer reports

This is will be my third compliant about inaccuracies on my report. Transunion has been reporting transactions and experience from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stated under the fair reporting credit act 15 u.s code 1681a ( 2 ) as provided in paragraph 3 the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and person making the report.The above mention accounts are reporting transactions and experiences making the report inaccurate.Transunion has failed to ensure proper procedures to assume maximum possible accuracy of the information being reported. Transunion has failed to provide me before hand of how reporting was verified. What procedures was taken to ensure proper accuracy was being reported.As 15 u.s code 1681a ( 2 ) ( I ) stated the consumer report DOES NOT include transactions and experiences. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Today, in the mail, I got another fraudulent card opened in my name. I've tried contacting the company to have the card marked as fraudulent and have it cancelled with no results. The card company only has a recording and voice mail. This is a debit card issued by a company called Current. They have no email or contact information other than the phone number on the card. How do I get this card cancelled? 

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

I'm writing to request that these charges be removed from my credit report ; I didn't make these purchases, and someone has access to my personal information and is applying for multiple credit cards.
Product: Consumer Loan

I purchased a XXXX Chevrolet Silverado from XXXX XXXX XXXX in XXXX, OH on XXXX XXXX, XXXX. I recently pulled my credit report and I am shocked to see multiple hard inquiries that I did not authorize.
Product: Mortgage

I closed our HELOC on XX/XX/XXXX and requested a reconveyance be recorded to remove the lien from our property because we were refinancing to build a new home and had a lock in rate on both the construction loan and cost of the new home from the builder. This HELOC was paid in full ( zero balance ) for almost a year prior to closing the account XX/XX/XXXX. I have since called USBank 14 times and spoken to 21 different people all assuring me either a satisfaction of mortgage has been recorded or will be recorded. To date one has not been recorded. Nor can I ever seem to talk to anyone higher up than someone answering a phone who can't tell the difference between a recorded document from XXXX or current. I can provide every day and to whom I have spoken.
Product: Mortgage

I am filing this complaint out of total frustration with Wells Fargo. I have a mortgage with them and I just want to log in and see get a statement. After successfully logging in, when I clink on on statements the web site tells me I need to phone in to WF to get an access code. After holding on the phone for 20 min I finally get connected with a person who asks me several security questions,. He then informs my responses failed. He asks me another set of questions which also fails. I am 1000 % sure that the answers I gave him are correct. At my request he connects me with a supervisor who informs me that I can either call back and be re-validated or go into a branch ( I do not have time to spend hours going to a branch to deal with this ). I call back and wait on hold for and extremely long time again finally speaking to a representative. After giving her my info she says she is working on it, then there is a click and I am back in the holding queue to speak to a representative again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 3 disputes online through XXXX  regarding and unauthorized hard inquiry on my credit from the department store Kohl 's. I have a letter from the actual store saying they made a mistake and they will remove this from my credit and yet XXXX does not reach out via email or phone to follow-up and ask for supporting documents and they close my dispute saying everything looks correct. I have been calling XXXX  to dispute this over the phone and every time I do, they always say there system is down to call back in 30 mins to an hour! I tried sending a fax with this prove that this hard inquiry should be removed from my credit report and they do not do anything about it! I tried reaching to Kohl 's and they say it could take up to 30 days but it never gets removed and this was a hard inquiry made in XX/XX/XXXX! Kohl 's letter is dated XX/XX/XXXX and we are now in XX/XX/XXXX and this is still showing on XXXX credit report!
Product: Checking or savings account

The bank is chime.I had reported the card stolen online on XX/XX/year> When I found out it was stolenthe same day.The online generated a card. 
And I thought that the trans Actions would not be made after. I made an online about my card but the next day. I saw that all my money was takenand I called and spoke to a representative. They issued another card which I wasn't aware of cause they did not mention I called to dispute the amounts that were on my account which came out to XXXX XXXX dollars and they said I had to wait till that it was pending No longer so I did and chime denied my money back. They sent me a letter stating. It was denied because of other financial institutions. Or some other stuff like that. But I don't understand is why the transactions kept happening. After I did it online and reported the card stolen. They took all the money I had. And I was late on my light bill.And I keep calling back to deny.Or to try to get my money back and they keep giving me the same answer
Product: Credit reporting, credit repair services, or other personal consumer reports

This account with XXXX XXXX XXXX is reporting inaccurately on my credit report I have sent disputes to the credit bureau that have been flat out ignored in the months of XXXX & XX/XX/XXXX. The account states that it has not been disputed which is absolutely untrue because it has been removed from Experian and I have sent disputes in three times Ioan understand the mail not getting there once but not three times. The account is showing an inaccurate date of last payment it reflects XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) but according to the rep I spoke to XXXX the account was last paid on XX/XX/XXXX. The account also reflects a payment status of 90 days late but the account was paid off and made current. On XX/XX/XXXX I requested that XXXX XXXX send me information about this account directly but they have yet to respond to my request and my growing frustration has encouraged me to start filing complaints.
Product: Mortgage

XXXX XXXX XXXX with Flagstar Bank requested a notary correction letter via email on XXXX/XXXX/2015. The notary correction letter requested the complainant to attest to the year in which the mortgage was signed. The notary inadvertently omitted the year from the acknowledgment. In a phone call to the notary/attorney 's office, XXXX XXXX threatened to report the notary/attorney, who is also admitted to practice in bankruptcy court, to the bankruptcy court. This conduct is not only unprofessional on the part of XXXX XXXX, but also constitutes harassment and unlawful and/or unethical intimidation on the part of XXXX XXXX, and his employer Flagstar Bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XX/XX/XXXX Experian, XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian, XXXX XX/XX/XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XX/XX/XXXX Experian, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX Experian, XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian, XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XX/XX/XXXX Experian, XXXX  XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I wan na to delete those inquiry from my credit report and it is on TransUnion. 

XXXX ( Bank ) XXXX XXXX XXXX ( Finance ). XXXX XXXX  ( Auto ) XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Finance ). XXXX XXXX ( Bank ). XXXX XXXX XXXX ( Finance ). XXXX XXXX XXXX ( Auto ) XXXX XXXX ( Finance ) XXXX XXXX XXXX  ( Bank ). XXXXXXXX XXXX ( Finance ) XXXX XXXX XXXX ( Auto ) XXXXXXXX XXXX ( Bank ) XXXXXXXX XXXX XXXX ( Bank ) XXXX
Product: Payday loan, title loan, or personal loan

I took this out and redid 4 years ago I had my XXXX XXXX so had to stop so I lost my job there still adding interest and really affecting my credit even after many years later I dont know how that is legal
Product: Mortgage

This XXXX complaint is filed against my mortgage processor company making the following accusations:1 ) Pursuant to my complaint # XXXX wherein, on the CFPB Website, I received notice that the company had responded to my complaint, stating that : a. " Response : Company states that " We are continuing our review to complete a formal response. " 2 ) That on XX/XX/XXXX, I received a letter from the office of the President stating that I would receive a response by XXXX XXXX, 2015. 
3 ) That as of today, XXXX XXXX, 2015, I have not, and neither has the CFPB website received a response from the company to complaint # XXXX. 

I request that the CPFB take into consideration that beyond the above accusation, that the CFPB give due consideration to other actions taken by my mortgage processor during period surrounding the time of the last complaint, and other letters, I have reviewed by my mortgage company. ( Again, I state that I have not received a response from the company regarding complaint # XXXX ) Post my complaint # XXXX ) I subsequently requested additional information from my case manager - for the following information which I have not received : a. A copy of the NAV calculation. 
b. I requested a copy of the NAV calculation because it can not be correct, as no appraisal of my property was performed : ( a proper NAV would include an appraisal of my property. ) i. Evidence : I have recorded telephone conversations wherein, as I was concerned about the NAV. During a telephone conversation with my case manager, I was told by my case manager that the mortgage service processor " did not do an appraisal, but that XXXX had done the appraisal ''. ( In a telephone Conversation with XXXX, I was informed that " they do not perform appraisals on properties ''. ) In other words, the NAV can not be correct, as NO APPRAISAL of my property was performed. 

c. Additionally, on the same date, XXXX XXXX, 2015, I received another letter from my case manager ( one that is not contained in my complaint # XXXX, XXXX regarding the Homeowners Assistance Program Evaluation Summary '', In THIS letter it was stated thati. " Even though you have a hardship, you are NOT eligible for the Homeowners Assistance Programs listed on the Evaluation Summary '' 1. I was not approved for ANY Homeowners Assistance Programs especially and including : a. Pre-Foreclosure Saleb. Deed-In-Lieu. ( Why have the above basic rights of settlement been removed? ) What is interesting, is that in this Evaluation Summary, I am simply told that I am not eligible for any assistance programs ... NO EXPLANATION/s as to why I was not eligible for these programs were offered. NOT ONE! 

Pursuant to my right to appeal the determination, I received nearly a carbon copy of the same letter of XXXX XXXX, on XXXX XXXX entitled " DECISION NOTICE ''. This letter simply restates what was said on XXXX XXXX that, " I am not eligible for any Homeowners Assistance Programs ... .Homeowners Assistance Program Evaluation attached to this notice ''. 
i. NO PROGRAM EVALUATION WAS ATTACHED TO THE NOTICE! 
2. NO REAL REASONS AS TO WHY i WAS DENIED WERE OFFERED.
Product: Student loan

I have student loans through Navient and was seeking to resolve my loans. 
My school XXXX did n't fulfill the promise of certification and job placement after graduating. Now, I am just seeking not to payback the loans I have. My school XXXX has been re-named to XXXX located in XXXX, AL. My name is XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

requested via the 3 bureaus the info from this debt to include itemized calculations of debt, copy of contract or lease w my signature and other identification of who put this or allowed this debt to be in my name. Only XXXX has removed this debt on the basis that XXXX XXXX XXXX is not licensed to collect in my state amongst other reporting errors. I have never lived in, went into contract, inquired for help or services or even seen these apartments before. I was never even sent a bill or notice. Requests were on XXXX XXXX XXXX XXXX XXXX Transunion refuses to acknowledge my disputes at all. XXXX keeps saying they have verified the debt on the same day yet fails to provide me with the manor in which they verified or provided me with a copy so that I may follow up with legal help in getting this erroneous debt off of my consumer report as I have never lived here XXXX XXXX XXXX has several large debts under my name that occurred at the same time. I can only live in 1 apartment at a time. There is no physical way my children and I can live in this many apartments and accumulate such large bills across different states. XXXX and the bureaus have not provided me or shown any proof that this debt is actually mine or who in fact signed my name for this debt. I have NEVER had any business with or any bills from this place.