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

My account with ( XXXXXXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX 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. 


( XXXXXXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Product: Checking or savings account

I had an account with Chime. I disputed a charge with chime. Without telling me or asking me, they said during time on phone. We cancelled your chime card & ordered you a new one. I needed the {$1300.00} to pay my rent. They said 7-10 days. This was 1st week in XXXX. Card didn't come. USPS said wait 7-10 days. Ordered another card thru Chime end of XXXX. It didn't come. On XX/XX/XXXX I called Chime and asked for them to send check of balance of {$1300.00}. I have email confirmation. Never got check. Tried calling Chime. First I was told XXXX XXXX XXXX XXXX  & hung up on. Called back got hung up on. Called back, after the lady dancing in circles with me, she said my email address didn't fit my account. I took screensjot and sent it in. She didn't care that I was into my account with my email. She said she couldn't help my because she could not verify my account. In the mean time since I could not access my funds to pay my rent, I'm evicted from my place. I tried to pay XXXX 's rent and they said they would only accept XXXX, XXXX rent 2 late fees and attorney fees and court cost! Thats {$3500.00}. My rent is XXXX. I never received my money from chime and they closed my account. They owe me {$1300.00}.
Product: Checking or savings account

My checking and savings account with citi bank was randomly closed for fraud supposedly. I called and called all day until I received a number to call only to be told call back I'm 24 to 48hrs. I don't have access to my money and my account which I use to pay bills and get paid as well.
Product: Checking or savings account

XX/XX/XXXX Response from Navy Federal Dear Member, Thank-you for your e-Message. Our records indicate your requested cashier 's check was mailed on XX/XX/XXXX. According to the United States Postal Service, the check was marked for return to sender on XX/XX/XXXX as the payee was not recognized at the destination address. 

The tracking number indicates that the check is on its way back to us. Once we receive it, we will issue a credit to your account. 

The USPS Tracking Number containing your documents is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Please let us know if we may further assist you. 

=============================================================== NAVY FCU is making me jump through hoops to get my {$45.00} back. 
I ordered a cashier 's check online, through my checking account. 
The website said it would be sent to me. So I figured I would order it and then in turn send it to the payee. 
The silly system NAVY FCU has in place, puts the PAYEE 'S name on the envelope, instead of my name ( website says it can be sent to ME ). In doing so, the post office refused to deliver it and the cashier 's check went back to NAVY. They received it back and the tracking is XXXX. So I would like my {$45.00} credited back, without jumping through hoops. Every time I try and email them the next staff member is worse than the one before. It's a circus. Please help me get my {$45.00} credited back to my account like they told me : ***The tracking number indicates that the check is on its way back to us. Once we receive it, we will issue a credit to your account. *** ***The tracking number indicates that the check is on its way back to us. Once we receive it, we will issue a credit to your account. *** ***The tracking number indicates that the check is on its way back to us. Once we receive it, we will issue a credit to your account. *** Thank you.
Product: Debt collection

XXXX to XXXX I have had H & R appear in my credit report I have disputed these charges. It is constantly being put on to my credit as new after its disputed and deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw my credit report and saw accounts appearing on my report that I am not aware of, I contacted the credit bureaus but have not received any response. Below are the accounts appearing ; XXXX XXXX XXXX XXXX XXXX XXXX PARK XXXX XXXX XXXX XXXX XXXX XXXX XXXX FIN XXXX
Product: Mortgage

I wanted to pay off my mtg. No information provided on statement. Had to call XXXX, Cust. Serv. Teleprompt - provide loan #. I did. Additionally, I had to provide last 4 digits of S.S #. I did. " XXXX '' identified herself. I asked for loan pay off quote, as written on my statement. She did not understand the ques.. I ask if she is located in the United States. Her response, no. I ask for representative in USA. I was supposily provided one, XXXX, and I have no way to verify that she was in the USA. In this era of identify theft why is my identifying information allowed to be collected from outside of this country? Should n't I have received a warning first? Company is Nationstar Mortgage. Please stop this from being allowed to happen.
Product: Debt collection

Electric bill XXXX From XXXX  XXXX account number XXXX Never lived at address
Product: Student loan

I began repayment of a private co-signed student loan on XX/XX/XXXX in the original amount of {$16000.00}. As of today, XX/XX/XXXX, I have paid a total of {$21000.00} with {$8600.00} allocated to principal and {$12000.00} allocated to interest. However, {$13000.00} was added to my principal in the form of capitalized interest. My present balance on the loan is {$15000.00}.
{$470.00} is the only amount out of my {$21000.00} worth of payments that has been used to pay off my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX reported my utilization rate changed from 5 % to 23 % by reporting a balance of {$1700.00} for a XXXX XXXX account. My balance for XXXX  XXXX was report as a zero $ balance for XXXX and XXXX. My score decreased XXXX points instead of it increasing and this is hurting my chances of homeownership. I mailed a letter to all bureaus and this issue has not been resolved. My credit card statement billing cycle did not end until XXXX and this balance was reported on XXXX before the billing cycle ended. The credit card was paid off prior to the billing cycle ending which is not supposed to happen. Please see attachements
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX oXXXX XXXX I found 3 unvalidated collections had been added to Experian 's credit reporting service under my name. I disputed with this bureau last XXXX and they left the collections in place. Then I contacted the collection agency, XXXX XXXX XXXX, mailing them via certified mail a request for them to validate the debts listed. On XX/XX/2022 they sent my a pack of documents that gave line by line medical codes, medications, and procedures performed. There was NO ORIGINAL SIGNED CONTRACT bearing my signature, no signed XXXX release attached giving this creditor access to personal medical history and data. There was nothing in this mailing to me that indicated they had any relationship with the original creditor to collect this debt. According to federal guidelines, they had FAILED to validate these three collections listed on my report with this bureau. I did not realize how my rights had been violated until meeting with a lawyer last week, who informed me of what had been done and gave me instructions to do next. I began a second dispute online with this credit reporting bureau, this time uploading my supporting documents that XXXX had failed to validate the three debts. After only 2 days, Experian came back with the results of their " investigation '', leaving the unvalidated three collections on my report!! I feel that the reporting bureau did not even look at my documents or bother to read my dispute. This is an outrage! I demand that Experian Credit Bureau remove the three collections that XXXX has placed on my credit. This has severely damaged my reputation, my ability to borrow money for nearly a year now! I demand restitution. According to federal guidelines regarding credit reporting, that I am entitled to have Fair and ACCURATE reporting on my credit!! This is a serious situation!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am personally submitting this complaint. Please see attachments and my ID as it explains my complaint and request.
Product: Payday loan

I applied for a loan for on XXXX XXXX, 2015 for {$420.00} providing correct information that I was paid on a monthly basis on the XXXX of the month and the due date for the loan was made XXXX XXXX. I extended the loan and made a partial payment on that date - but when they extended the loan they unilaterally switched my pay frequency to XXXX per month and made the payment due on XXXX XXXX - which I could not pay. I did n't know this until I got a reminder from them on XXXX XXXX. I e-mailed them on XXXX XXXX, and called on XXXX XXXX to get them to correct this error and they refused. They said I had to provide evidence that I was paid monthly, which I e-mailed them on XXXX XXXX. However, they still ran through the payment resulting in a {$29.00} overcharge fee. They have now referred the loan to their collections department. As far as I am concerned unilaterally changing the terms of a contract under the guise of an extension of that contract is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never opened a credit card with XXXX XXXX issued by Continental Finance under Celtic Bank. In fact, I never heard of them until they showed on my credit report around XX/XX/2022. I contacted them several times to inform them that the account is not mine and to remove it from my Credit Report. I also contacted the XXXX  about this issue and the business attempted to solve the issue, the account recently showed back up and I started getting mail from a collection agency XXXX XXXX XXXX about this account. THE ACCOUNT IS NOT MINE AND IT MUST BE REMOVED FROM MY CREDIT REPORT AND ALL COLLECTION MUST STOP ON THIS ACCOUNT. I already disputed the account with the collection agency and filled out an Affidavit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This account is not mine and is a result of confirmed identity theft.
Product: Debt collection

Spoke with company XX/XX/2023 and explained I am disputing the debt. Later that day he called back and also called again XX/XX/XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I posted on XXXX ( now known as " XXXX  '' ) that I was looking for XXXX XXXX concert tickets and an account with the username of XXXX XXXXXXXX direct messaged me that she had tickets to sell. She showed me a screen recording of the tickets to prove that she had them and told me they were {$160.00}. I sent her a XXXX  payment ( XXXX  to XXXX XXXX XXXX ) of {$160.00} Friday XXXX and she showed me that she 'sent ' the ticket to my XXXX  XXXX account ( so I could accept the tickets ) but it never showed up. She then said there was a 'transfer fee ' of {$100.00} which I XXXXXXXX XXXX  as well ( so I sent her a total of {$260.00} at this point ) and it was emailed to my XXXX account, but I still had no ticket in my XXXX  account. I then asked her to just give my money back and she told me her uncle would email me a check for {$450.00}, " {$260.00} for your money back and {$190.00} for the trouble ''. I told her that I did not need extra money, just my {$260.00} back. Then the XXXX ' emailed me a {$800.00} check and she told me he sent it to me so I can send it to her for her 'upkeep ' and I told her I was uncomfortable getting this much money from someone I don't know and she asked if I could deposit it and send it to her. I wanted to get over the situation so I deposited the checks to my account and once they were cleared, I sent her money and kept my {$260.00}. Both checks were deposited online on Monday XX/XX/XXXX : XXXX for {$450.00} and another for {$800.00}. She then told me to XXXX  her boyfriend the {$500.00} that was immediately available after the online deposit, XXXX  to XXXX XXXX XXXX. As the checks were pending, I called XXXX twice on Monday XX/XX/XXXX and spoke to XXXX different representatives to ask them if they can look into the checks and verify that they were real. I was told that they were real and money has been credited into my account. On Tuesday XX/XX/XXXX, the total amount was credited so I sent her the rest of the money via XXXX  to XXXX XXXX XXXX. On Thursday XX/XX/XXXX my account showed that the checks were altered/fictitious so I called Chase again and was able to speak to the claims department to report the scam. I also called XXXX and spoke to a representative who was able to document my case and said they will look into it. In total, I have lost {$1500.00} and am seeking help to get my money back.
Product: Debt collection

I'm am being ask to pay a debt to a company I have never had service with. I did not authorize or agree to pay them. I have no recollection of this debt and it does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 a violation notice was sent to XXXX in XXXX, XXXX Their response was something of the fact that I had to fill out their dispute template that has room for XXXX accounts. Problem is there are XXXX accounts their reporting inquiries from that I dont recognize and they never responded with conclusive evidence that I verified and expressed wanting those companies on my XXXX Report. Pure violation of 15 USC 1681. 
Consequently, a much similar letter was also sent to Experian down in XXXX XXXX, AZ and XXXX in XXXX, GA. 
Please find pdfs of the posts below.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX report. Midland Funding, XXXX acct. start with XXXXxxxx. In, are payment on XX/XX/19 of {$290.00} in XXXX reports in payment status it still says unknown. Im trying very hard to fix my credit. Please can this acct be removed completely
Product: Mortgage

We are in the process of selling our home to XXXX, the escrow company XXXX   has contacted Selene Finance for a payoff statement on XX/XX/2019, they were advised it would take 24 to 48 hours to " get into the system '' and 5 to 7 days to issue payoff statement. We contacted Selene Finance on Monday, XX/XX/2019  to check on status of payoff statement, they stated it had been sent out to check with the title company, we contacted XXXX XXXX at XXXX to see if she received payoff statement, she had not. XXXX XXXX contacted them once again on Tuesday, XX/XX/2019 for a payoff statement and spoke with a manager XXXX, they were to place a rush on the payoff request. As of today, XX/XX/2019 XXXX has not received the payoff statement. 

We also requested a payoff statement on XXXX XXXX, 2019, and we are waiting for the payoff statement as well. The closing date has been postponed twice due to Selene Finance not providing a payoff statement.
Product: Credit reporting or other personal consumer reports

Multiple times I disputed this. Not one time did they change the information. Even though I furnished them multiple excerpts of proof. I then reached out asking for the information they used to come to their conclusion or decision on the dispute. I recorded that conversation and I have copy of that for my record if it's necessary. But it was refused. I was refused a copy of how they came up with that decision. They said that that creditor is the one responsible for what's on my account. They were not taking any accountability in their decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. I finished paying off my car loan loan to Kia Motors Finance. After I received the paid in full letter and the title for the vehicle. Kia Motors Finance continued to call me demanding additional money. After I paid my car loan off in full. The amount representative from Kia Motors Finance demanded was {$1400.00}. When I refused Kia Motors Finance started to put false information on my credit report. They stated that the {$1400.00} was a " charge off ''. On or about XX/XX/XXXX. I notified the State Of New York Office Of The Attorney General, file # XXXX to step in. An help resolve the matter. After a brief investigation Kia Motors Finance admitted that I showed proof of payment. However they refused to stop falsely reporting too all three credit reporting agencies. Kia motors Finance has severally damaged my credit for the past three years and still continues too do so. They attempted to extort me of funds and have damaged my reputation. They have caused me great lose and the ability to purchase a new home, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This is for Barclay credit card : For some reason I was locked out of my phone APP and on-line account. They provided a number for me to call. I have called the number they provided two times and the customer service line once. The first time I was on hold for over 15 minutes and had to end call. The second time I was on hold for over 25 minutes and again had to end call. On my third attempt to the customer service line I was on hold for over 30 minutes and had to end call. I do not feel this is a reasonable wait time. I tried to email them but I have to log in to do so and told I have to call the number provided to resolve the issue. I have no way to access my account on-line. All I am looking to do is unfreeze my account. I don't believe I have a balance but do not want to get charged or a negative credit report in case something unexpected shows up.
Product: Vehicle loan or lease

I purchased the car and since very first day I was mislead with price it was not posted on the vehicle. 
Contract was misleading representation, it was false ad deceptive, unfair methods of competition, I was required to give a downpayment when it is not required when a credit S.S has being processed or checked. I was charged more apr than they were suppose to have charged and XXXX charges as well. Finance company audited the dealership and was forced to cancel the first contract and prepare a new one in which dealership didnt notified me nor asked me to come in to the dealership to sign a new contract with changes. I received by us mail the new contract w proof of check of difference send to finance company and they mailed me another check for there over charge w the XXXX, I called XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX about the matter several times w in the month, no one was interested, untilXXXX XXXXXXXX it was a Thursday and Friday before the car was repossessed on XX/XX/XXXX they hurried and got the car repossessed because I threatened to sue for fraud and defamation. I told them the car was mine and I didnt have an obligation to pay since contract has no wet signature from me the living person with a soul I am XXXX XXXX XXXX the beneficiary l want my security back ( car ) XXXX XXXX XXXX  back asap as they frauded me and stold my car. 

No one from global lending called me nor reached out to me until two weeks later letting me know my security was to be sold in auction on XX/XX/XXXX. Giving me less than a week to try and solve this matter, No one from repossession company has contacted me to allow me my personal belongings nor where they are located. I have been treated unfairly and inhumane under title 15 truth and lending act, I have been frauded and mislead as well. I also do not have any contract or written statements with the third party company repossession company nations recovery services inc, nor have I consented to them stealing my car security. I want my car back and i want the auction to be stopped
Product: Student loan

I received an email from Fedloan Servicing that I needed to re certify. I tried to complete online and could n't so then I had to call to get the info sent. After I received the forms, I opened a chat window to get the fax number and was told by a customer service rep that I was sending the info to the wrong place. I mentioned that the emails and were from their website that asked me to fill it out, but did not receive any additional information from her, she just closed the conversation. So I have faxed very personal financial information WITH my SOCIAL SECURITY NUMBER VISIBLY listed to 3 different companies because in the meantime I received another email stating that my payments were going up because I did n't do the paperwork that they said I should n't have sent to them. FINALLY today I called after being locked out of my account and just asked if the paperwork had been received and was told yeah, we have it but it takes some time to process. STOP GIVING CUSTOMERS THE RUN AROUND. This has impact on our financial well being. I want to have 1 loan servicer, that does not change every 6 months making me fill out constant paperwork and continually threatening me with wage garnishment.
Product: Vehicle loan or lease

We paid off our car loan last week ( to get ownership of the paper title so we could sell the car to a new owner ). This week, Chase still debited their monthly payment from our checking account.

We have been trying on the phone for three ( bleeping!! ) hours now to get them to turn off that XXXX automatic payment. They keep transferring me from person to person and telling me I need to do it on the website, but on the website there is no account access because it lists the account as closed. 

As far as I am concerned they are making it impossible to cancel the automatic payment, while acknowledging the loan is completely paid off. That is stealing.