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

My account with this company is being reported late 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 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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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: Checking or savings account

COMPLAINT ALLEGING UDAAP and OTHER fraudulent business practices against Merril Lynch ( aka Merrill XXXX ) Date Description XXXX Reach out to my Merrill investment advisor to request assistance transferring {$5.00} XXXX from a joint account held with my sisters to XXXX personal " preferred deposit '' accounts : XXXX held by XXXX and XXXX by XXXX XXXX Send in the required and signed XXXX XXXX to facilitate the transfer XXXX Inquire with both Merrill XXXX  and my advisor about transfer status. Told it is in process and should be completed by Monday XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX with Merrill XXXX , calls to advise me that my form is fine, but my sister 's XXXX has a typo. He asks if he should proceed with my transfer and I tell him yes. 
XXXX XXXX resubmits her signed LOA with typo corrected. 
XXXX Inquire about status of transfer, told it was in process XXXX Inquire about status of transfer, told it was in process XXXX Inquire about status of transfer, told it was in process XXXX My financial advisor informs me {$2.00} XXXX has been transferred into my Preferred deposit account, and that XXXX XXXX XXXX XXXX transfer should be done as well. 
XXXX Review our sister joint account statement online, and discover that the {$5.00} XXXX was removed from the preferred deposit account on XX/XX/XXXX The statement also shows that {$2.00} XXXX was deposited into my preferred deposit account on XX/XX/XXXX, and to XXXX XXXX XXXX XXXXXX/XX/XXXX THIS DELAY OF 6 DAYS, DUE TO FLAWED OPERATIONAL PRACTICES OR INTENTIONAL, RESULTS IN UNDERPAYMENT OF INTEREST of APPROX {$3900.00} ( {$5.00} XXXX x XXXX / XXXX x XXXX ) I reach out to XXXX XXXX XXXX XXXX and XXXX XXXX at Merrill ( my advisor ) and they agree to look into it because it doesnt sound right XXXX XXXX XXXX advises he is reviewing the details and would advise tomorrow ( Friday XX/XX/XXXX ) XXXX Do not hear from XXXX XXXX I reach out to XXXX via email for a status XXXX XXXX responds via email saying not much progress to report because there is a backlog of this type of issue that is under review. 
XXXX I email XXXX for a status. He says nothing new to report. He and his manager are working on it XXXX I advise XXXX that I am officially filing a complaint and will also be filing one with the CFPB XXXX I email XXXX and ask to escalate above him XXXX XXXX calls me and says escalating higher may slow down the progress of the review, as it might irritate the reviewers XXXX I email XXXX for a status XXXX I receive an email from XXXX saying he is confiddent this will be resolved " next week '' he is " in contact with the apprpriate team '' XXXX STILL NO RESOLUTION OR UPDATE. 43 days and counting from when I escalated the issue.

I have copies of all relevent email exchanges as well as the XX/XX/XXXX Merrill statement for if needed
Product: Debt collection

I do n't know. I 've answered a few times but no one on the line. Repeatedly 3-5 calls per day beginning at XXXX EVERY DAY
Product: Credit reporting or other personal consumer reports

These Inquiries are fraudulent and do not belong on my credit reports below from different bureaus Experian inquires below 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I opened my lease with XXXX XX/XX/XXXX and initially had set up my payments to be drafted by Honda from my XXXX XXXX bank account. In XX/XX/XXXX I submitted a change to have Honda draft my payments from my XXXX  XXXX XXXX account. I started getting payment reversal letters but not understanding why because my account had the funds for the payments to be drafted. I called XXXX and no one could seem to explain to me what the problem was. As a result of this XXXX started assessing late payments too. Today, I called XXXX  XXXX XXXX to try to get to the bottom of this and the customer service person I spoke to said they did not see any attempts from XXXX to draft my payment from my bank account so I do not understand why XXXX was reversing the payments I was scheduling to be made nor do I understand how they can assess late charges to my account and in XX/XX/XXXX reported my account delinquent to the credit bureaus. I ended up having to schedule a payment from my XXXX XXXX account. My account is current however it should have never not been. I don't know the inner workings of XXXX 's auto draft system or if it had a glitch but you can see from the transaction history I was scheduling my payments to be made on-time. I called XXXX today to see if they could explain why they were reversing my payments without ever attempting to auto draft from my account and they could not explain this to me. When I asked about them reporting me late when I had scheduled the payments on-time to be auto drafted by XXXX the customer service person refused to provide a letter to remove the delinquency reporting and so now I am filing this complaint.
Product: Credit card or prepaid card

Ordered refrigerator in XXXX From sears having received My refrigerator as yet, it's not in stock and they don't know when stock will be in.I ask sears to freeze my account until I receive item to no avail. 
Today XX/XX/21 I've been on phone from XXXX until 1 trying to resolve this I call seats they have me call city bank city bank tell me to call XXXX It's been back and forth over and over also sent me to delivery Service they sent me to solutions dept.Theu sent me back to seat.com
Product: Credit card

My credit card with Apple Goldman Sachs was fraudulently used in the amount of {$500.00} and {$490.00}, XXXX all done fraudulently. I informed Apple Goldman Sachs as to what was going on and they denied my claim stating that they have information or signed documents from the merchant. I asked them to provide these documents that I so called signed I was never provided with anything. These corporations hold the people who pushes their business reliable even when the customer was not at fault. I never shopped at this merchant and Apple Goldman Sachs can not provide any information stating that Ive done so. They simple just denied my claim and called it a day knowing the consumer cant do anything about it. This is a terrible way of doing business and Apple Goldman Sachs need to be held liable for these bad business practices.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian regarding their failure to properly resolve a dispute I submitted concerning inaccurate information on my credit report. Despite my formal request for verification and correction of the disputed items under the Fair Credit Reporting Act ( FCRA ), the response I received from Experian has been inadequate. 

Here are the details of the issue : Report Number : XXXX & XXXX & XXXX Dispute Submitted : XX/XX/2024 XXXX XXXX XXXX  ( XXXX ) Account No : XXXX Original Dispute Reason : This account does not belong to me. 

And : Report Number : XXXX XXXX & XXXX Dispute Submitted : XX/XX/2024 Account Name : XXXX XXXX  Account No : XXXX Original Dispute Reason : This account does not belong to me. 

Experian informed me that the disputed item had been " updated '' but failed to provide any verification or documentation to support the continued reporting of this item. I formally requested verification as required under FCRA Section 611, and I have not received any substantiating evidence from Experian to confirm the accuracy of this information. 

Summary of My Issue : I requested verification of the accuracy of an account on my credit report, and Experian claimed they updated the item but did not provide any documentation to support their findings. 
I asked for the supporting documentation, as is my right under the FCRA, but Experian has failed to respond appropriately. 
The inaccurate information remains on my credit report, which is negatively affecting my credit score and overall financial standing.

Resolution Requested : I am requesting the CFPB to assist me in ensuring that Experian : Provides the necessary verification documentation they claim to have used in their investigation. 

Removes the disputed item if they are unable to provide verifiable proof of its accuracy. 
Ensures that any actions taken by Experian comply with the 30-day investigation requirement as mandated by the FCRA. 

I also request an investigation into XXXX handling of consumer disputes, as this failure to provide proper verification and their vague response regarding an update is causing significant harm to my credit.
Product: Mortgage

I called Santander Mortgage Services on XX/XX/XXXX to insure that my mortgage which would be paid in full on XX/XX/XXXX would not continue to be auto drafted from my checking account. The normal date of the autodraft is XX/XX/XXXX. Santander is also my bank but they do not communicate with each other. 

I was told that the because the balance would be paid in full there would be no auto draft. 

On XX/XX/XXXX, I called again because I saw a " pending '' auto draft for the mortgage amount showing in my checking account. I was told at this time that the amount would NOT be charged to my account because the balance of my mortgage was paid in full. 

On XX/XX/XXXX, I saw that the autodraft for a fully paid mortgage was still taken out. It is over {$1400.00}. I called again and was told the following : Auto draft is prepared by Mortgage services several days in advance. The mortgage wasn't paid in full until the XXXX, and the only way I would be reimbursed would be a check mailed US MAIL to my address and wouldn't occur for 10 - 14 days. I was also told that the first person I spoke to last week gave me wrong information about auto draft coming out. I asked for the amount to be reimbursed to my checking account immediately. I was told that I had to provide by fax or email a copy of my bank statement showing the amount of the mortgage coming out of my account and they would reimburse me directly to my checking account. I did this BOTH by email and by FAX as well as provided them a copy of the address change submitted earlier. It is now XX/XX/XXXX, and I have yet to be reimbursed my overpayment. 

I gave the company more than 3 business days to stop auto draft. Furthermore, the closing attorney who handled the sale of my house and the subsequent payoff notified them several WEEKS before the autodraft that the loan would be paid off. It is fairly simple to put an alert on a file and not continue to deduct the mortgage. 
It is my opinion that the company does this deliberately because it allows them to continue to earn interest on the amount they withdraw. It is unconscionable that 10 days after identifying the error ( when the autodraft was listed as pending ) I still am not reimbursed. What if this amount had caused me to be over drawn? What if other bills could not be paid? I am lucky that this is not the case for me but I am extremely disappointed at how this company rakes consumers over the coals for the sake of a few dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, the request was made to apply for an auto loan with a specific lender with whom I've already had an established positive lending relationship, being XXXX XXXX XXXX. 

It had been made clear that a security freeze was in place on my credit for safety purposes and avoidance of abuse of process. 

In good faith, I temporarily lifted the credit-freeze for 24 hours with XXXX  for the dealers to contact the requested lender who approved the loan in the amount greater than what was requested. 

The dealers subsequently proceeded to create an additional 7 to 10 hard inquiries against my credit score by other lenders despite my choice lender already approving the loan for a greater amount than requested and without my knowledge or consent. Immediately following this action, the dealers demanded I unfreeze an additional credit profile with XXXX  where they posted additional hard inquiries against my score without reason. XXXX  was lifted for 24 hours at my request, however, upon leaving the dealership without my vehicle, I discovered that the XXXX  freeze had been held open against my request of 24 hours by the dealers who were intending additional postings against my score unnecessarily. 

The dealers refuse to release the vehicle me under the disclaimer of insurance until the hard inquiries had in fact been declared as posted to my account greatly reducing my score. 

The following action was not only unnecessary but heinous.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and equefax have three issues each.XXXX,XXXX,and XXXX XXXX...report should read removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Got divorced in XXXX 2015 and the umass XXXX bill and the mortgage was my ex wifes responsibility according to my divorce paperwork yet it shows up on my credit report as being late. I would like it removed from my credit report as it is aversely affecting my credit score.
Product: Prepaid card

Amex XXXX prepaid cards charge the card holder {$3.00} per month re regardless of balance after 6 months of issuance. 

This is seems to violate usery and common sense. The longer Amex has use of the funds the more they make on the unclaimed balances on these cards. Charging {$36.00} in fees annually on a {$50.00} gift card is obscene and lacks any ethical justifications.
Product: Mortgage

First off I did not receive disclosure XXXX days prior to closing neither did seller. Then at closing my disclosure numbers were different from sellers. I thought the figures should be the same. We did not see this until a few days after closing in meeting with sellers. They deducted {$4800.00} from sellers check that was a deposit already taken of top of loan. Also sellers copy of disclosure date issued XXXX and it is a faxed copy which I did not see at closing. The date issued on my disclosure is XXXX so why were these numbers not on my disclosure and mine is a original and not a fax.
Product: Payday loan, title loan, or personal loan

XXXX/XXXX/XXXX Loan # XXXX XXXX XXXX : ( approved ) Loan # XXXX XXXX XXXX : ( denied ) To Lending Club lending team : I am filing a written a compliant with Consumer Finance Bureau ( CFPB ) about your deceptive marketing and lending procedures. In the meantime, perhaps you should explain to me as to why the Lending Club awarded a loan to me in XXXX which I have paid off after making ten payments. For past several months you 've aggressively used your marketing approach toward me and defined me as a well qualified borrower and you wanted to do more business with me. Essentially you made me to apply for another loan at this point in time and than I was told by Lending Club that I now do not qualify! 
There are visible discrepancies in your criteria for lending that is disturbing. Whatever, my financial ability and credit score is today it is most definitely higher than when you used it to award me the first loan in XXXX. 
Did you just give a loan to unqualified borrower so, you the Lending Club could make his 6 % fee? Let 's find out? 
Additionally, your deceptive emails say that going through applying for another loan would not affect the borrower 's credit. I sure hope that it did not affect mine! Or that 's another untruth statement from your company that add fuel to the fire. 
As matter of courtesy, I will allow you 2 working days for your compliance people to investigate this issue and respond to me in writing with your reasonings. Also return my personal documents before I contact CFPB. By the way, I am determined to get to the bottom of this matter even if I have to retain a legal council. 

Please do not send me standard artificial apology letter for all the inconvenience that you have caused me. That wo n't work! 

XXXX XXXX ( XXXX XXXX XXXX
Product: Prepaid card

I tried to use the card directly on merchant websites XXXX, kinguin.net, but that did not work. I then tried to use the card via XXXX but that did not work either. What is the point of having a gift card that you can't use? I called the company to register it but they just assured me it would work. They said that they did not receive any transactions and told me that I may have been entering the card info incorrectly. Tried to enter my card information multiple times and it still did not work. I then searched the web and discovered other people who have the same exact issue as me who never got their card to work. When I called back to get a refund they told me that it would take up to 2 months to receive a simple refund.
Product: Credit reporting or other personal consumer reports

I am requesting a reinvestigation of the following items on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Following my recent review of my credit report, I have identified more inaccuracies that need immediate investigation and correction. Below are the specific disputes : XXXX  Account : [ XXXX ] ( Account # XXXX ) ** This account is listed as Collection/Charge-off with a derogatory status.

Charge-offs : As per 15 U.S. Code 1601, creditors are required to provide all disclosures under the Truth in Lending Act, which were not provided in this instance.

The payment history shown does not accurately reflect the reported balances or activity, which constitutes a violation of accurate reporting under 15 U.S. Code 1681e ( b ). 

XXXX. Account : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) This account appears as a Collection/Charge-off but lacks sufficient documentation to substantiate the debt. Collections : Under 15 U.S. Code 1692 ( c ), I did not consent to communication or debt collection activities by this agency. Without my explicit consent, this listing is invalid. The comments section indicates a dispute that remains unresolved, yet it still reports derogatory status inaccurately
. 

XXXX. Account : [ XXXX ] ( Account # XXXX ) ** The reported status as Collection/Charge-off includes a balance of {$21000.00}, but the comments show unresolved disputes.

Disputes : As per 15 U.S. Code 1666 ( b ), a billing error or dispute must be properly investigated and resolved, which was not the case here.

The payment history indicates inaccuracies that are not supported by sufficient documentation or evidence. 

XXXX. Account : XXXX XXXX XXXX XXXX ( Account # XXXX ) ** This account reports Collection/Charge-off and an unpaid balance of {$88000.00}.

Charge-offs : According to 15 U.S. Code 1601, creditors must adhere to disclosure requirements under the Truth in Lending Act. Without full compliance, this reporting is inaccurate.

Additionally, the payment history shows derogatory marks that do not align with factual payment records.

Requested Action : I request the immediate investigation and correction of the listed inaccuracies. Specifically, I ask that you : 1. Verify all reported balances and payment histories with sufficient documentation.

2. Remove all inaccurate, unverifiable, or incomplete information from my credit report in compliance with 15 U.S. Code 1681i.

3. Provide a detailed written response within 30 days of receipt of this letter.

Attached are copies of my credit report highlighting the disputed entries, as well as additional documentation to support my claims. Failure to resolve these issues promptly may result in further action under applicable consumer protection laws.

Thank you for your immediate attention to these matters. I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Fraudulent Account on my credit reports for Experian, XXXX, & XXXX I have disputed this account multiple times. 

Fraudulent Account : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Past due amount {$130.00} Fraudulent Account : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Past due amount {$130.00} Fraudulent Account : Medical Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Past due amount {$410.00} Fraudulent Account : XXXX XXXX & XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Past due amount {$1800.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Past due amount {$900.00} Fraudulent Inquiries XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit card

1. IN GOOD FAITH, UNDER U.S.C. 1681 ( A ) I DEPOSITED MY CREDIT ACCOUNT NUMBER WITH CITIZENS BANK ( CREDITOR COMPANY ) AND THEY TRANSACTED AGAINST MY CREDIT. 

2. THE ABOVE MENTIONED TRANSACTION APPEARS ON MY ACCOUNT AND THIS TRANSACTION CREATED A RIGHTS ON MY BEHALF AS DEBTOR. THE COMPANY RECEIVED A BENEFIT OF MY CREDIT BUT DID NOT CREATED THE ACCOUNT. 

THEY MADE AN AUTHORIZED USE BECAUSE THERE WAS NO BENEFIT TO ME ; IN CONNECTION, THE COMPANY VIOLATED MY DEBTOR RIGHTS THAT WERE CREATED UPON THIER ORIGINAL TRANSACTION AGAINST MY CREDIT. 

3. THE COMPANY DISCRIMINATED AGAINST ME BASED ON 15 U.S.C. 1691 BECAUSE I EXERCISED IN GOOD FAITH ALL ACTIONS UNDER THE CHAPTER OF 15 U.S.C. 1691 ( A )