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

My account with ( XXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on 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. 


( XXXX XXXXXXXX ) 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 card or prepaid card

Unfair deceptive practices. Complained about insurance not covering what Im paying for, retaliation for filling complaint by having credit reduced 2 times when account was paid off completely. Asked for a copy of credit review was told cant have company only keeps for 6months. Rep kept referring to other customers account and I was only calling about my account and was was going on with my account. Paid accoynt on XX/XX/2018 and XX/XX/2018 XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX. Account was reduced to XXXX called rep advised that my account would be back at credit XXXX since it was paid in full. Not true sent secure message to complain and close account. Message sent back from new york company stating reduced credit due to non payment. Called into call center complained. Received a letter dated XX/XX/2018 on XX/XX/2018 saying credit was reduced again to XXXX  this time due tan an review which seemed to happen after I complained and filed another complaint.
Product: Prepaid card

Cash App is consistently charging my cash app card for duplicate transactions. This has happened on XXXX separate occasions. I have asked cash app to resolve this issue and nothing has happened resolve this matter at hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my annual credit report I noticed a hard inquire that I never approved from XXXX XXXX on XX/XX/XXXX and XX/XX/2017. I attempted to reach creditor and was unable to.
Product: Mortgage

Loancare a XXXX company, have failed to pay my property taxes on my impound account. I contacted them back in XX/XX/XXXX, no resolution as of today.
Product: Credit reporting or other personal consumer reports

I recently try to remove the freeze on my credit reports. But for some reason I can't get credit unit XXXX. I downloaded the report. Please help removing the extra freeze on credit with Equifax. They always don't listen to my request.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, Synchrony Financial placed a hard inquiry on my XXXX Credit Report. I do not recognize this hard inquiry ; I do not recall placing a request for any products or services from this company. 

In XX/XX/XXXX, I called XXXX and asked to dispute this hard inquiry. XXXX told me that only the company that originally placed the inquiry can delete it ( or ask XXXX to remove it ).
Product: Debt collection

XXXX XXXX, I noticed a mark on my credit reports that I had no knowledge of. Thus, I disputed the debt with all of the credit reporting agencies, and except for XXXX, the results came back as " verified and accurate '' from the credit agencies. As a result, I wrote a letter to Bull City Financial Solutions on XXXX/XXXX/XXXX asking them to provide me with the documents used to verify this debt. BCFS received my letter on XXXX/XXXX/XXXX. Admittedly, I know that they have at least 30 days to respond to my letter, however, I also know that this is not my debt. Thus, BCFS is violating the FDCPA. This company is reporting a debt on my credit profiles that is not mine nor do they have any contractually binding documentation that states otherwise.
Product: Student loan

Please see attached provide Master Promissary Note that shows debt is paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

I cosigned a car loan for my step son several years ago with Wells Fargo Dealer Services. He new he was about to pay it off back in XXXX of XXXX. He called Wells Fargo and got the pay off. It was a phone call so nothing in writing. He then had them take out of his account the amount he owed. In XXXX of XXXX I went to apply for a loan to buy a house. The banker told me I had a 90 day late mark from Wells Fargo on my credit report. I of course said no way that it was paid off. It showed {$2.00} was still owed. I did not receive a phone call or a letter telling me we still owed. So Well Fargo just kept turning it in to my credit report as late for three months. Once we knew about it my step son went to Wells Fargo in early XXXX to pay it off plus late fees. I called them to try to get fixed and they refused to do anything for me. They gave me a fax # to fax my dispute. I was not ever able to talk to anyone. I finally after about 5 weeks received a letter in the mail say that they would not fix it for me. Still cant get anyone to talk to me. I sent three fax, a certified letter and an Email. I am very upset as I am trying to build my credit and trying to buy a house and they don't seem to care. The thing that is crazy is after my step son paid off what he was told was the pay off he received a refund for over payment in the mail, so where did the {$2.00} come from if he received a refund.
Product: Credit reporting or other personal consumer reports

This is a screen shot a call I received from a woman from experian who said her name was XXXX but couldn't even pronounce the name
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans with XXXX have been paid in full. I spoke with XXXX on XX/XX/ and and XXXX XXXX XXXX  XXXX said they notified XXXX, Experian and XXXX that these loans were paid in full on XX/XX/. XXXX stated they sent me a paid in full letter on XXXX XXXX XXXX  which I NEVER RECEVIED. I had spoke to XXXX, XXXX and Experian all of them said that XXXX NEVER CONTACTED THEM STATING MY LOANS WERE PAID IN FULL. ATTACHED YOU WILL SEE WHAT XXXX SENT TO ME BY EMAIL. THEN I WAS TOLD ANOTHER PAID IN FULL LETTER WOULD BE SENT TO ME.
Product: Credit card

I have consistently ensured that payments on this account are made on time, never allowing them to become overdue. I am uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Debt collection

I never lived at this address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

BAY AREA CREDIT SERVICES VIOLATED MY FCRA RIGHTS. They INACCURATELY reported to XXXX XXXX on XXXX XXXX, 2015 on an old COLLECTION account. Bay Area Credit Services reported to XXXX XXXX as a New Account. This is highly illegal for any company to report as a New Account. This account was generated originally over 5 years ago and was part of a Chapter XXXX Bankruptcy. Not only did they violate FCRA rights they also NEVER advised me of any reporting. Clear VIOLATION OF MY FCRA RIGHTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX inquiries 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 Employers XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have been paying Navient ( formerly XXXX ) loans for years, both for my own XXXX ( which is XXXX paid off ) and for my daughter 's XXXX school, XXXX College in XXXX XXXX. I have been receiving my statements via paper mail all of these years. Navient has stopped sending me monthly statements which is making it impossible to know how much is due, if the monthly calculation is correct, and making timely payments. I have repeatedly said I do not want email communication. Navient disregards my requests and sends out phony mail correspondence to me in order to pretend our conversation had a different subject, other than what I just described. Over the phone the phone reps acknowledge that monthly statements are not being sent, however when I asked for verification of their acknowledgement in writing they refuse. They harass me and my daughter at work with robotic phone calls even though they know they have not send out a paper statement. One such account XXXX all I get is quarterly payment letter reminders however I have no idea what is owed bc they have not sent me a paper statement in a couple of years. When I ask them who authorized a change with my account ( from receiving monthly paper statements ), they make up inconsistent answers to try and justify their actions of not sending me monthly statements. This is deeply frustrating, I feel harassed and feel this is extortion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to this company in regards to my XXXX XXXX XXXX XXXX Credit Account that has 4 of late items on my report.. I have never been late on this account. Also I have a XXXX XXXX Credit card account that shows 5 late payments in which I have never been late on this account either.
Product: Mortgage

I receive refinance information multiple times from my mortgage processor caliber home loans. I am interested in short refinance program FHA loan and this offer ends by the end of this year. I found a lender willing to do the loan but because caliber has my information false they have me delinquent in XXXX even though I was not and they have me as having taken out a second Lian even though I have not because my home has been upsidedown since I bought it in 2006.
Product: Credit reporting, credit repair services, or other personal consumer reports

Entered into a forbearance due to financial difficulty with citi bank XXXX XXXX card and its showing late 30 days but according to thr cov19 relief plan it shouldnt show late at all because its not this has not been corrected.
Product: Credit card or prepaid card

Signed up for Chase Southwest Rapid Rewards credit card on XX/XX/XXXX. Inquired about the statement closing date and was told it would close 1 month after opening on XX/XX/XXXX and at that time any points that I accrued during the statement period would be sent to my SW Rapid Rewards account upon statement closing. 

Due to customer service misinformation, the statement closed in XXXX and the points were sent to my Rapid Rewards account in XXXX, effectively not counting towards my XXXX points accrual. I called in and was told the points with be revoked and re-issued so they would count towards my XXXX points accrual. Again, I was misinformed as this did not happen.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Credit card

On XX/XX/year> some individual ( XXXX ) opened up multiple fraudulent credit cards in my name. I noticed the inquires on XX/XX/year>. I spoke with a police detective and he informed to call all the credit bureaus to freeze my credit, call any banks associated with the cards that were opened and to make sure you keep copies of all paper trails thats with this identity case. I did all the instructions the police officer told me to. XXXX, XXXX XXXX and XXXX closed the accounts successful, except Chase. They determined I opened the account and I am responsible for it. They refused to give me any insight on whats going on, nor did they ever contact me which I have all incoming and outbound calls recorded from XXXX. After I called back twice they told me same merchants were used with your other chase credit card and information to open up the cards match. Why would those XXXX correlate to if I opened up the card with using it at the same merchant and also obviously they have my information and its going to match because it is identity theft!
Product: Debt collection

CAPITAL ONE BANK is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2500.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my bank, XXXX XXXX XXXX XXXX ( XXXX ), that Equifax is guilty of suppressing the due monthly reporting of my XXXX XXXX Credit Card the suppression of which was never authorized by the bank and certainly not by me. 

Subject : Account Balance hasn't been updated XXXX XXXX XXXX XX/XX/2021 : Thank you for your eMessage. XXXX XXXX sends your credit file to all of the major credit reporting agencies each month at the end of your billing cycle. Your account last reported XX/XX/2021. The card will report for XXXX after the billing cycle. The exact reporting date is unavailable. The account ending in XXXX is being suppressed by Equifax. You will need to contact Equifax regarding why they are suppressing your account. This is not something XXXX XXXX can correct since we never requested suppression. If you have further questions, please call our 24 hour, toll-free member service line at XXXX. 

Equifax XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Georgia XXXX, XXXX XXXX, www.equifax.com Your Message XX/XX/2021 : Why has't my XXXX XXXX credit card balance been updated with XXXX, Equifax or XXXX  for the current cycle? In fact this card isn't even reporting on Equifax. Please help.
Product: Mortgage

I was unfairly treated for a possible Loan Modification or a Refi. by my Bank JP Morgan Chase. We have been unsuccessfully since 2011 trying to get this done with them to no prevail. I have documentation that shows a pattern of unprofessionalism with regards to obtaining either. Also I have experience a unwillingness to help in this matter from the bank. Only to have them try to Foreclose on my home twice now in the last 6 month 's. 
This experience has been very stressful and nerve wrecking. 
I have experienced all types of unprofessional persons form within the Chase Mortgage Realm that could be listed as border line Monsters. evil persons with no Business Ethics at all My documentation will show a pattern of this behavior with brings us too why we are here today.
Product: Checking or savings account

on XXXX XXXX I payed XXXX XXXX of XXXX XXXX on XXXX for a rear end for my XXXX ... he never sent the part..he also ask for XXXX more for insurance but I didn't send it..I relized at the time it was a scam..notified bank..they said nothing they could do it was PNC bank
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : LexisNexis XXXX LN ) Once I received my credit report from LN, I sent in my reply to the incorrect reporting of information. I received XXXX letter asking that i verify jy identity, which i returned promptly, Did not hear anything form them again. This events happened in and around XX/XX/2020. At the beginning of this year i sent in a request for my credit report. Again. I did NOT hear form them - over 3 months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX  app which reports my credit I got a notification that an account has been open today which is XX/XX/2022 with Affrim Inc. I didnt open this account
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : XXXX XXXX XXXX - XXXX - XXXX - {$250.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I recently investigated my XXXX credit report and noticed the account listed directly below is in the " Accounts with Adverse Information '' section, when it is in good standing, and verified by the credit card company as paid on time. 

Bank of America # XXXX Under 15 USC 1681 ( e ) ( b ) Accuracy of report : when a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681 ( i ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

In accordance with the Fair Credit Reporting Act, this error on my credit report has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Please remove the " Account with Adverse Information '' designation on this account from my credit report, immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$920.00}, XXXX XXXX Balance {$1400.00}, XXXX XXXX XXXX XXXX XXXX Balance {$1800.00}, XXXX XXXX  XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00}
Product: Payday loan, title loan, or personal loan

Dear Sir /Madam, We would like to report what we consider to be a predatory practice regarding a XXXX XXXX loan by our bank, Wells Fargo . 

In XX/XX/XXXX, we took advantage of a zero interest loan offer to finance the replacement of the old air conditioning system in our house. The amount of the loan was {$5500.00} to be repaid over 18 months. The loan was to be repaid through monthly installments of {$310.00} ( the first one was a little more, at {$380.00} ) and a last one of {$190.00}, to be paid through automatic debit from our bank account. All XXXX installments were paid in a timely manner through automatic debit. XX/XX/XXXX was the last installment of the 18 month loan. However, the last installment of {$190.00} was not debited, for a reason unknown to us. We received no alert, email or notification whatsoever that this final installment had not gone through. Because of this, Wells Fargo is now charging us with almost {$2000.00} interest retroactively, or nearly 40 % of the borrowed amount. 

On XX/XX/XXXX, we contacted the bank to contest this. Their justification wasthat an e-mail had been sent to us alerting us aboutthe last installment. Searching our personal emails and online Wells Fargo messaging system thoroughly, we found no record of any message. We paid the final {$190.00} but refuse to pay the XXXX dollar interest on the loan. The banks answer was that the dispute would be taken to a higher hierarchical level. To this day, no-one has gotten back to us. 

We consider that the bank is trying to retroactively change the conditions of the loan alleging the missing of a smallpayment that should have been directly debited by the bank. We would be grateful if the Bureau could provide some advice on how to proceed to stop a claim that is not only undue but completely out of proportion to the initial amount of the loan.