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 XXXX XXXX  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 XXXX  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 have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. Please DELETE the following account from my consumer report as it is not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I had previously filed a complaint regarding PennyMac Mortgage but would like to add retaliation to it now. My initial iterations are noted in my prior complaint. XXXX with the priority complaint team did quickly call and was highly apologetic, so I did hold off on further complaints ; but did continue to send additional documents to a manager who was reviewing my application. It was quick to determine that the initial agent did review much of my file and had double counted about half of my debts along with not addressing other items such as transfers between my accounts. My gut feeling and general instinct from here, being that I had to escalate my complaints with their negligence ( possibly gross negligence ) and poor service, was that they would need to find a way to cover for their errors and poor care, or to find a way to retaliate against my complaints. However still curious to see if they actually would or not.

As my time has been pressing and PennyMac had already wasted a lot of it, I sought other lenders who I was not a current customer of. There the customer service was considerably better. They did stop to ask the right questions when needed and in only a few days they were able to get pre-approvals out and I have been able to move forward on my transaction. Additionally they stated to me that they could approve me for a considerable amount more than I was asking for. Their rate is the same that I was quoted from PennyMac but unfortunately I have more in fees as I'm not an existing customer. But unbelievable how much better and responsive the service has been. 
Still waiting on PennyMac, though I am approx 2 weeks in with the other lender, but only really due to curiosity at this point ; to see if they will continue with the retaliation I had suspected. Again to try and cover for their initial errors and poor care and service or as retaliation for my complaints and sure enough, the mgr or whatever his position continued to play with why they had to double count items and rearrange other income of mine to note come up with the right amounts. All a conclusion I had expected several weeks prior and I was kind of grinning while listen to it actually play out. Just surprising that a company in such an important filed is allowed to operate with such little ethics or integrity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have follow-up with XXXX XXXX XXXX and consumer reporting agencies ( XXXX, XXXX XXXX and EXPERIAN and they do not want to removed the 30 day late in my account when I paid before the due date which did not go over 30 days late. 

This letter is a formal complaint that XXXX XXXX XXXX gave inaccurate and incomplete credit information as reported for my account with XXXX XXXX XXXX CREDIT BUREAU reporting agency. 

Please review my 30 day late payment for XX/XX/2017 and I was never late in 2017 for the monthly payment in XX/XX/2017 and update Credit Bureau 's as it effecting my mortgage loan refinance in these uncertain pandemic period. 

This letter is a formal complaint that you have inaccurate and incomplete credit information as data furnisher to the Credit Bureau for my closed/terminated XXXX account : Name of company that reported the late item ( XXXX XXXXXXXX XXXX ) Reason for dispute : ( NEVER LATE - 30 DAYS ) XX/XX/2017 Payment Date : XX/XX/2017 XXXX -- -- -- -- -- -- -- > Amount {$600.00} Payment Date : XX/XX/2017 XXXX -- -- -- -- -- > Amount {$620.00} Payment Date : XX/XX/2017 XXXX -- -- > Amount {$600.00} Payment Date : XX/XX/2017 XXXX -- -- -- > Amount {$580.00} Payment Date : XX/XX/2017 XXXX -- -- -- > Amount {$600.00} Payment Date : XX/XX/2017 XXXX -- -> Amount {$600.00} Please update COMMENTS / REMARKS on ACCOUNT with STATEMENT ( PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE ). 

When XXXX XXXX XXXX as the data furnisher transmit the customer data to the credit bureau before 30 days the customer will be considered late on their account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts does not belong to me and I'm asking that these fraudulent accounts be blocked from my credit report. Not one single credit reporting agency provided any physical documentation for these accounts before reporting them, opposite of my request for physical documentation. I'm demanding that these accounts be blocked/ removed immediately. 

1 ) XXXX XXXX {$820.00} 2 ) XXXX XXXX {$670.00} 3 )  XXXX XXXX {$120.00} 4 ) Missouri XXXX XXXX XXXX 5 ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputing Erroneous Credit Reporting by Target Credit Card late payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I was approved for a Target Credit Card for a second time. The new Target account ends in XXXX, in making payments for those months I used my Bill Pay from my XXXX Account and did not realize it was the old closed Target account ending XXXX. I made the payments to that account in error but was not informed or received notification. The Bill Pay payments were cancelled on their end and were not used for the new open account. When I called to inform of the issue, the Target Representative stated that there is nothing she can do and gave me an address to send dispute in writing. I asked to speak to a supervisor and representative again gave me the run around, made me hold for over 30 mins and Supervisor did not give me a chance to explained and refused to help me resolve the late issue. I asked to speak to her Supervisor and she said she does not have one and will not be able to help me. I'm dumbfounded that Target would treat me this way and would not provide any help to my issue. Customer services was aggressive and not helpful at all, with no information to provide me.
Product: Credit reporting or other personal consumer reports

I contacted and filed a complaint with CFPB against XXXX XXXX  regarding incorrect reporting of late payments during the loss mitigation process to the credit agencies and provided proof in XXXX. I also disputed with Experian directly. XXXX admitted in their response to CFPB that they made a mistake reporting my mortgage as late and that it would be updated to current because per the loss mitigation process that the account was in since XXXX, it should not have been reported as such ( please see documented proof and response below ). However, Experian refuses to correct it and is STILL reporting inaccurate information ( both a foreclosure status and late payment for XX/XX/XXXX ) in my credit report inaccurately per XXXX  response to CFPB, and that it should be reported current since XX/XX/XXXX per law.
Product: Credit card

I opened an American Express account back in XXXX of XXXX. It 's a XXXX XXXX credit account and with that there was a promotion being offered to get XXXX bonus points on my XXXX XXXX membership after spending {$750.00} within 3 months. I called Amex and XXXX and neither are willing to rectify the situation and give me the points I rightfully deserve. I called both parties around midnight - XXXX on XXXX XXXX, XXXX. 

PS I spent way more than {$750.00} in 3 months! 

( I believe there was also a {$50.00} Statement credit at the time, but not sure on that. )
Product: Checking or savings account

I hope this letter finds you well. I am writing to express my concern regarding overdraft fees that have been charged to my account over the past several years. I have been a loyal member of Navy Federal Credit Union for over 20 years, and I have always held the credit union in high regard. However, I feel that I have been unlawfully charged overdraft fees on my account, and I am requesting a review of these charges. 
As a longstanding member, I have always made an effort to manage my account responsibly, but I believe that these overdraft fees were applied incorrectly or without proper notice. I request that a thorough review be conducted, and that at least the past 48 months ' worth of overdraft fees be refunded to my account as a courtesy. 
I kindly ask for your assistance in resolving this matter in a fair and equitable manner. I would greatly appreciate your prompt attention to this request and look forward to hearing from you regarding the next steps. 

Thank you for your understanding and consideration of my request. Please feel free to contact me at ( XXXX ) XXXX or XXXX if further information is needed. 

Sincerely, XXXX XXXX
Product: Debt collection

This card was part of a bk ( {$3800.00} XXXX XXXX XXXX, Quantum3 Group , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Washington XXXX Phone : XXXX Facsimile : XXXX Email : XXXX Website : XXXX Phone number sends me to voice mails no call back. Agents not willing to help resolve and is hindering the owner of the property to refinance, causing hardship to me and the property owner. I have sent the docs they request and still no action. I feel this company is purposely causing this hardship and their process is to hurt consumers during their recovery. - Requested for Lien Removal Attached is a copy of the court doc removing our attorney, I was shrugged off by Compliance Officer : XXXX XXXX XXXX saying to contact my attorney. My brother is unable to refinance his home and can't move forward. All other creditors have honored the BK and released judgements since the court trustee acknowledged the property on XXXX XXXX XXXX XXXX XXXX, AZ XXXX was no mine and I had not lived there in over 10 years nor had any part on any financial obligations towards the home. My brother, XXXX XXXX, is the sole property owner who is trying to move away from the existing Obama save the house loan, and go into a regular mortgage. Why would this company hold him back from progressing? Please help as this is causing a family hardship over a BK nearing 2 years ago. 

XXXX last message knowing I don't have an attorney : XXXX XXXX Mon, XX/XX/XXXX, XXXX XXXX ( 10 days ago ) Please talk to your bankruptcy attorney. Thank you. 

I don't understand how these company 's are legally allowed to collect on a BK when they are not in the State of AZ, I am not sure if they follow the rules for collections, and not being able to talk to someone is very frustrating.
Product: Debt collection

National Credit Adjusters , L.L.C XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of Collection Account Request for Immediate Deletion To Whom It May Concern, I am writing to formally dispute the validity of a collection account appearing on my credit report. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1692g, 15 U.S.C. 1681s-2, 15 U.S.C. 1681i, and 15 U.S.C. 1681c-2, I am requesting the removal of this erroneous item. 

The account in question is as follows : Creditor Name : National Credit Adjusters , L.L.C Account Number : XXXX Date of Alleged Debt : XX/XX/year> Amount : {$310.00} Pursuant to 15 U.S.C. 1692g, I am requesting validation of this debt. If the debt collector can not provide sufficient proof, they must cease collection activities and remove the account from my credit report. Additionally, under 15 U.S.C. 1681s-2, furnishers of information are required to provide accurate reporting. If this account is erroneous or unverifiable, it must be deleted immediately. 

Furthermore, under 15 U.S.C. 1681i, I am requesting an investigation into this matter. I demand that this account be removed unless proper validation is provided. If this debt has been paid, settled, or does not belong to me, I request its deletion in accordance with 15 U.S.C. 1681c-2, which mandates that adverse information resulting from identity theft or errors must be corrected immediately.

Please provide me with a written response detailing the results of your investigation within the legally required timeframe. If the disputed information can not be verified, it must be removed from my credit report. 



Failure to comply with federal law may result in legal action against your company. I expect prompt attention to this matter and appreciate your cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of fraud/a job Phishing email I got via my university  email. the scammer convinced me I was employed and that I should send out donations and later be reimbursed in the form of fraudulent forged checks ( total of 6 checks I deposited across all 3 accounts ) that I placed into three of my XXXX  XXXX accounts. all of these bank accounts were then closed and XXXX  XXXX ended their business relationship with me and one out of three of these bank accounts had been overdrawn into a negative balance because I had sent out my money for one of the donations and then I deposited the {$950.00} check just for it to be reversed days later I immediately paid this negative balance to bring my account back to XXXX dollars. XXXX XXXX has been communicating with me the remaining funds in my account and is in the process of mailing me my money in the form of check as of XX/XX/year>. XXXX XXXX reached out to me and let me know that they are reopening their business relationship with me and that I'm allowed to open up bank accounts with them again. I am very grateful that XXXX  XXXX has changed their mind as I have been banking with XXXX  XXXX since I was XXXX XXXX XXXX and the mistake I made came out of a police of innocence. Very happy about this decision. I decided to go straight ahead and open up a savings account again this went through successful however the checking account was denied because of early warning services who reported to XXXX XXXX that my deposit score is XXXX and that it is a higher risk score. XXXX  XXXX informs me that these are the major factors impacting my score the number of accounts in a hybrid status the time since the accounts last went into high status, the number of different banks inquiring during the last two years, and that the consumer currently has no accounts in open and in present status. I asked XXXX XXXX if this situation I've been and will have negative consequences financially and they stated no as long as I paid the overdraft amount. I'm only XXXX XXXX XXXX and I'm unable to open a checking account, because XXXX XXXX XXXX is keeping a bad record of me when I have already resolved the situations with XXXX  XXXX and it was truly an innocent mistake that I will never make again because I know how to navigate fraudulent checks now and job fishing emails that can get to me via my university email.
Product: Mortgage

From XXXX 2016 to present, Citifinancial has continued to report erroneous information on my credit report. I have attached the response I received from them. They state that I took out a loan, secured and defaulted with a property located at XXXX XXXX XXXX XXXX XXXX FL. This would not be possible, since I have never owned a property at such address.
Product: Debt collection

This company Consumer Adj, has reported on my credit reports that I owe a debt a medical claim debt from XXXXXXXX XXXX XXXX XXXX XXXX XXXX. They claim that I opened this account on XX/XX/21. This information is incorrect and as a result they have placed this collection on my credit report and state that I owe them {$1000.00} This is incorrect and fraudulent reporting. They have not only fraudulently listed thus incorrect data on my credit report but that have no information for contact, no account number, no address, no telephone number and no email address, this is a crime according to the FCRA, and I will seek justice. I am very upset that this company not only failed to reach out but they have failed to verify that thus is an account that I owe. I have looked them up on the internet in an attempt to get a good address and my letters have been returned undeliverable. XXXX XXXX has never sent me not XXXX letter in the mail trying to collect on this debt that they say I owe, and have never sent me any documentation that proves this is a debt that I owe, nothing bearing my signature. I am the victim of identity theft and my Identity Theft reference report # is XXXX, my police report # is XXXX I ask that this information be removed immediately from all 3 of my credit reports including XXXX XXXX, XXXX, and XXXX. 
.
Product: Checking or savings account

I opened an account with Regions Bank over the phone on XX/XX/year> and funded the account remotely with {$50.00}. A week later, my account was automatically closed ( without warning or a way for me to withdraw my funds first ). I called their customer service who redirected me to the branch, who said my account was closed due to needing additional address verification ( they should have asked for this BEFORE opening my account ) and that a check with my balance would be mailed to me. 

A bit over a month later I realized the check did not arrive. I had temporarily relocated by that point and asked the branch via phone if they could send a new check to my new address. They said I had to come into a branch to do that, but there are no branches in my new state. Eventually they agreed to send a new check out to my initial address. After another month it still did not arrive at the old address ( my sister was getting the mail ), and so I called the branch again. After a long call they said they contacted the corporate office and found that the check was lost in the mail, and they would submit a stop payment request to reissue another check. After another month I still did not get the check, and called the branch again. They said they called corporate and found out the second and third checks didn't even get sent out ( so the previous calls were misinformation that caused me to needlessly wait ), and that I needed to submit a stop payment form in order for a new check to be issued. The form they gave me had a lot of fields I obviously wouldn't be able to fill out ( like the check number, and other internal recordkeeping ) and so I again asked the branch about this. They eventually called corporate and said actually that form won't work ( i.e., another call was misinformation ) and that I would need to call the general customer service number, ask them to mail me the form, and then I would have to mail it back. I called the general customer service number and they said my information is no longer showing up in their system and that I would have to work with the local branch. 

I am being misled and redirected over and over again with no end in sight. 

In all, Regions Bank has been holding onto my money for several months after they abruptly closed my account, and has caused me to waste several hours on the phone with them trying to get it back.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recover lost funds was infeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

Prime lending mortgage. We have made numerous attempts to get our HAF payments applied to our account. HAF states their sent payment XXXX on XX/XX/23 XXXX for XXXX XX/XX/23 XXXX for XXXX We have called daily and been asking for a case status or our payments to be applied. We have had no luck finding out why our payments havent been applied. We are concerned as XXXX XXXX we will owe another payment. Everytime we call we get different answers and have yet to know or find out where are these paymentsXXXX XXXX XXXX from HAF has sent mortgage company check numbers also and has had contact with them she has stayed. Can someone please help us as we are being told our mortgage company is failing To post our payments that HAF states they did recieve. Thank you
Product: Credit reporting or other personal consumer reports

My credit report shows that this account was charged off. Thats fine. However, I called XXXX and paid them directly to settle my account in full. XXXX did not report that my account was paid at all, instead, they updated my credit report to show that it was charged off twice. Once AFTER I paid. I disputed this information with Experian and within 24 hours, XXXX dropped my score another XXXX points with showing the 2nd charge off. I called XXXX and customer service said they could not help me so they transferred me to the Collections Department who told me they are not required to report that an account is paid. Just that it is charged off. I know this to be false. I tried to explain that its false. XXXX is refusing to handle this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and other fraudulent company attempting to claim illegal rights to property. XXXX XXXX XXXX has no right reporting on personal profile to Experian by illegal reaging and flagged account as Loan Modification on XXXX XXXX, XXXXby reporting personal credit report debt resolved in bankruptcy.in XX/XX/XXXX. Now illegal harassment with notices and neighbors at personal resident and illegal entry personal property. Failing to obey U.S fair credit laws with illegal credit reporting, aggressive & illegal business practices of illegal reaging debt collection practices..
Product: Debt collection

I sent XXXX XXXX 2 certified letters for account verification. Enclosed is what I received that looked like it was copy and paste of a statement. I requested proof of The amount of the debt ; The name of the creditor to whom the debt is owed ; Verification or copy of any judgment ( if applicable ) ; Proof that you are licensed to collect debts in Florida ; Proof of the last payment made on the account. 
Copy of Assignment Contract Copy Original creditor Copy Original contract