23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX credit card switched their services to Citibank in XX/XX/2020. This is my second payment on my account through them. I initially made a payment of {$43.00} on XX/XX/2020. The payment did not go through. I have asked XXXX for a audit of my account, because I checked my account and had the money available. Citibank then went into my account on XX/XX/2020 and tried to pull a payment for {$40.00}. I never authorized the payment for {$40.00} at any time. Then XX/XX/2020 they went back into my account for another {$43.00}. That is three {$29.00} NSF fees on my account. One of which, for {$40.00} that I never authorized. Citibank changed the amount on that payment to be able to go into my account three times. No merchant is allowed to go into an account more than twice. Citibank says they always go in twice, but I don't think they are allowed more than two attempts, but if they change the amounts they can go in as many times as they like. This is my third problem with Citibank having had a bank account that was slow paying and my direct deposit was not deposited in a proper or timely manner, causing me NSF fees that they had to refund. 
XXXX account ending ... XXXX XXXX card ending ... XXXX
Product: Debt collection

This debt was originally from Capital One credit card. I disputed charges with them on multiple occasions and my issues went unresolved. The debt was disputed with the credit bureaus. Removed and then on XXXX/XXXX/16 the debt was added back to my credit report but through XXXX XXXX. XXXX has now illegally re-aged the debt to appear current even though the debt is old and from capital one charges, that they still have yet to resolve. In addition, capital one did not provide any information that the debt was being sold and/ or any update to the investigation regarding charges before putting on my account.
Product: Mortgage

I paid Greentree Servicing, LLC XXXX payments in XXXX and XXXX after my loan was up because a rep. with their company told me if I made the payments I would be fine nothing would happen. Then they mailed a paper dated XXXX/XXXX/15 saying I owed a balloon payment owing them {$2400.00} and then they turned around a day later I received a certified letter I signed for on XX/XX/XXXX saying that I owed {$3000.00} and that letter was dated XXXX day later on XXXX/XXXX/2015 so it went up {$570.00} plus a {$5.00} late fee was added into that how I dont know? Then on XXXX at XXXX I spoke with XXXX XXXX and we cam to an agreement settlement that if I paid them {$6100.00} that my account would be paid off in full and I told her I wanted documentation that it would be and she refused to send me anything. So finally XXXX XXXX XXXX sent a letter saying if I sent a certified check by to the XXXX it was paid in full. I asked XXXX XXXX if I could deduct the checks from XXXX & XXXX and he said XXXX XXXX we have had a good relationship so far and if you deduct those amounts from the money or stop payments on any checks we WILL have a problem.Now today XXXX/XXXX/2015 I get a letter in the mail from XXXX XXXX saying my account will be paid in full when I send {$500.00}. I have XXXX payments missing from my account payments and I found XXXX of my check registers and XXXX of the payments was over {$900.00}. How is this company still in business. They said I owed them money because I had late payments but looking at the statement they gave me its all under XXXX days except a couple was XXXX days and most was XXXX days and they can put in willy nilly. They have law suites for holding payments to charge interest. I added the spreadsheet ( because thats all it is ) and the columns dont even add up. If you make an agreement and its in writing how can they turn around and then tell me I owe {$500.00} more. I 'm on XXXX with XXXX kids and they know that. Please help.
Product: Checking or savings account

I schedule a phone appointment to occur on XX/XX/XXXX at XXXX PT via the U.S. Bank XXXX on XXXX the message for the purpose for the appointment, I stated I had incurred overdraft fees and am struggling financially and the amount of fees that have been incurred has created a spiral effect and I was requested approximately half of the fees back. 

On XX/XX/XXXX I did not receive a call from anyone at U.S. Bank. 

On XX/XX/XXXX I scheduled another phone appointment to occur on XX/XX/XXXX at XXXX XXXX  and stated the purpose again and also stated I did not receive a call on XX/XX/XXXX. 

On XX/XX/XXXX I did not receive a call from anyone at U.S. Bank. 

On XX/XX/XXXX I scheduled another phone appointment to occur on XX/XX/XXXX at XXXX PT. This request I did not state the reason for the appointment. I received an email from U.S. Bank on XX/XX/XXXX asking for some details pertaining to the appointment. I responded stating, " I want to have a conversation with the XXXX XXXX at this scheduled time pertaining a fee reversal. '' On XX/XX/XXXX, I did not have receive a call at the requested time. I had to call the branch at approximately XXXX XXXX. The XXXX answered the phone. I shared with him all of the attempts in obtaining an appointment pertaining to the fees and the avenues of speaking with him was not to my satisfaction. He acknowledged he was supposed to have called me but was with a customer at that time. He asked if he could call me back pertaining the matter, I agreed. 
He called back and had reviewed the account and he inquired what was going on, I shared what I am dealing with, going through a divorce all while being a single parent and now going their XXXX treatment. I could not afford the fees I have have incurred which has causes a revolving door. He reversed XXXX of the XXXX fees ( as of that date ) that were incurred and offered to reach out to his XXXX XXXX and XXXX person to fulfill on my request. He also said it was unlikely, and it would be approximately a week before hearing a response. I requested a response prior to a week. 
It is now 9 days following that conversation and I have not heard back. I have since incurred more and more fees. I CAN NOT AFFORD ALL OF THESE FEES. My new request to have XXXX of the fees to be reversed to my account.
Product: Mortgage

The family has had extreme hardship including the XXXX of a very young son and numerous illnesses. The attorney that was mentioned before collected the mortgage payments from the family for almost 5 years with the promise that he would get them a cheaper mortgage payment and save their home from foreclosure or any other negative situation. We paid him {$1500.00} to start and then he requested {$1900.00} our mortgage payment each month for five years. Each time he assured us that he was working with the bank and we were going to be very pleased with the results. In XX/XX/XXXX he came to our home picked up the mortgage payment that we thought he was paying to the bank. We called him and there was no answer. He disappeared with no way to contact him. WE reported him to the DA nothing happened we paid him all of the payments we thought were going to the bank. When we contacted the bank they refused to work with us.A friend recommended women to us who we paid {$5500.00}. to help us and still nothing. 

We have monies saved to pay a sizable down payment and payments to be considered for a loan workout..Please help us save our home. We are now working with a not for profit and we are not getting good help from Carrington Mortgage. At this point they are not giving us much hope.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me 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 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 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: Credit card

In XXXX 2014, I opened a Care Credit card as a way of funding dental work. The card was six months at 0 % - so I spaced out my payments to be paid off in six months. On XXXX XXXX my balance was {$160.00}, on XXXX XXXX, Synchrony charged me XXXX in interest making my new balance XXXX. Can they do this? Thanks for your help.
Product: Credit reporting

There are numerous mistakes on my credit report. I have attached a narrative to explain the details. The bureaus want me to sign up and pay for them to make corrections.
Product: Bank account or service

There were fraudulent transactions that occurred to my bank account. I left my belongings on XX/XX/2017 and my routing number and account number information was stolen. I reported this to A lot of agencies but noticed {$340.00} negative balance to my account. I called WELLS FARGO TO MAKE THEM AWARE I DID NOT MAKING THIS TRANSACTIONS. I asked them to put my account back to good standing. As I do NOT owe my bank. I received many letters dated XX/XX/2017 via mail from wells fargo claims department regarding a STOP PAYMENT has been placed..but no resolution to my concern that my routing and account number has been compromised by a identity thief. I am asking wells fargo to get my account back to zero balance..not a NEGATIVE BALANCE OWED OF {$340.00}
Product: Credit card or prepaid card

On XX/XX/2022, XX/XX/2022, and XX/XX/2022, I attempted to make a payment on my store XXXX credit card online, but an error message appeared and advised me to contact Customer Care. I've been trying to make a payment on my XXXX credit card for a while online but always get an error message whenever I have a past due balance. I called the store to see if I could make a payment with them, but they told their systems were unavailable to accept pay. It's so frustrating handling my affairs with this company. They purposely make it hard for you to pay your bill and your account accrues tons of charges. I reached out to XXXX today to let them know my problems, asked to speak to a manager, got transferred to XXXX, I asked XXXX could he walk through the transactions with me to give me more information about the interest, finance, and late fees that were all inconsistent and out of order. XXXX Was no help, he went broken record and continued to repeat himself. He didn't offer a solution or make sure my problem was going to resolved today. He didn't bother pulling up my account either. XXXX seems to be unfair and has deceptive practices for charging unnecessary fees.
Product: Credit card or prepaid card

In response to many complaints that I have submitted against Discover. My name is XXXX XXXX, a federally protected consumer, an agent and principle, holder in due course and attorney in fact to XXXX XXXX. 

This is a follow up to cfpb complaint # XXXX XXXX of the XXXX Office of XXXX XXXX stated After further review, we maintain that we are accurately reporting the past due history for your account to the credit bureau reporting agencies, and are unable to honor your request to remove or alter the credit history previously reported. Due to your continued dispute, we will report the account to the credit bureau reporting agencies as disputed until you advise Discover to remove the dispute status. 

Discover told me that they couldnt remove the late payments because it was accurate. I I am aware nothing under the FCRA REQUIRES a creditor to report negative information. That late payment is being furnished without my lawful authority and is a violation of 15 USC 1681s-2 ( 7 ) ( E ).

The creditor knowingly reporting inaccurate information to a consumer reporting agency is in violation of 15 USC 6821 ( A ) ( 2 ) and that leads to jail.

Also, how can I be late when a finance charge was involved? So am I late paying myself back?

Clarify this billing error!
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as XXXX supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit reportXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates LLC is reporting an alleged debt to the major credit bureaus as of XX/XX/XXXX. I requested debt validation by notorized document XXXX XX/XX/XXXX sent by certified mail received and signed for by business verified by XXXX but the business has failed to validate the alleged debt to date far exceeding the 30 day requirement by the Fair Credit Act. A contract between myself and original creditor and a transfer of debt document from alleged original creditor to Portfolio Recovery is required to collect and or report alleged debt. I request Validation to be posted here on the Consumer Protection site, do to the business claiming to send validation via mail to my address. Only requested documents are validation and gives the right to collect and or report on the alleged debt according to FCRA, federal and state laws.
Product: Checking or savings account

My husbands debit card was hacked ( joint account ). Then someone called him about fraudulent charges. When he got home, we looked at about {$500.00} in fraudulent debit card charges and a XXXX transfer for {$1000.00} ( saying he sent it to himself- XXXX XXXX XXXX. We called the bank immediately to cancel his card and freeze his banking app. 
The bank reversed the charges as we were reporting them real time ( on the XXXX ). However, the XXXX charge posted. 
We submitted a crimes report with XXXX on XX/XX/XXXX but have been unable to get our money recovered. I had to submit another crimes report with them today XX/XX/XXXX. I am unable to report it to XXXX because they keep referring us back to our bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report an noted some unauthorized inquiries. Unauthorized inquiries are listed as : XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

First, thank you for listening. On XX/XX/XXXX, I received a Fraud Alert for my Citi Credit Card ending XXXX for a {$450.00} Best Buy purchase made in XXXX XXXX. As I am living in XXXX  and have not been to XXXX XXXX since last year ( XXXX ) and have not purchased anything from Best Buy, I knew immediately that this was fraud. I confirmed with the Alert that this was indeed fraud, and was issued a new card XXXX. Citi credited the {$450.00} to my card XXXX and subsequently closed that account. So far so good. However, I saw that fraudulent {$450.00} charge was now on my new card XXXX. Over the next couple of weeks ( I don't remember the exact date ), I received a call from a Citi investigator to discuss this charge. I was told that on XX/XX/XXXX someone ( NOT ME ) requested for a duplicate card ending XXXX to be sent to my address in XXXX XXXX ( XXXX  was my billing address at that time. I updated my address recently to XXXX as I recently got a new home ). I did NOT receive any notification of this duplicate card. Then on XX/XX/XXXX, the charge of {$450.00} for Best Buy was made IN PERSON in a store in XXXX XXXX. First, not only did I not request for a duplicate card, I was also NOT PHYSICALLY in XXXX XXXX. I relayed this to the investigator and thought everything was resolved. 

Unfortunately, on XX/XX/XXXX I was notified by letter ( dtd XX/XX/XXXX ) that Citi will be closing my fraud case because I " was in possession of the card XXXX ''. THIS IS FALSE. I was NOT in possession of that duplicate card XXXX and was not even physically in XXXX. I also did not authorize a duplicate card to be sent. I then sent a letter via priority mail to Citi ( which was received on XX/XX/XXXX according to XXXX  ) requesting for my case to be re-opened. I believe it has since been re-opened but I'm uncertain because I have not received any notification from Citi. They have since started charging INTEREST on that {$450.00}. I will not pay for a transaction that I did not authorize. Furthermore, I am a VICTIM of identity fraud. 

Please help!
Product: Checking or savings account

I have been banking with Chase for a long time, i manage both of my sons and my husbands accounts as well. I had every one move their accounts over to chase many years ago. 
WIth out giving me any reason, as i was travelling through XXXX, chase decieded to close my accounts, they drafted a letter to me on XX/XX/XXXX htat they decided to close my accounts, they sent me that letters one of which i received the day after they closed and one a month after they closed. 
I have never over drafted or missed a credit card payment. 
The fact that they closed the accounts without any proper advance notice and the fact that they did not give me an explanation about why they chose to close my accounts. They closed my credit card accounts, my various checking and savings accounts. 
I have worked hard all my life to have good credit, I live an honorable and ethical life, how has this institution decided that i had conducted an unexpec ted activity? 
I would at least like an explantion of what exactly triggered them to do this to me. 
The fact that they did not give me adequate notice, meant that all of our family, mine and my sons essential payments like utilities, phones etc which were on auto pay had to be adjusted, it was a lot of trouble start a new bank account, have new deposits clear through the new bank and have the new payments set up for essential services like heat and water etc. 
We had late fees and fines that we had to deal with for so many payments that we had on auto pay with Chase. 
I feel that after my loyalty to chase for the past 7 to 8 years, they least they can do is tell me what triggered them to classify me as an unsage customer
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX ( Original Creditor : XXXX XXXX  ) and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) and XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts are not mine, nor have I ever opened or applied for the accounts. They are Identity Theft accounts and under section 1681c2. Block of information resulting from identity theft of the FCRA ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer.

( 2 ) a copy of an identity theft report.

( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

They must be removed and blocked XXXX. XXXX XXXX XXXX. Lead Bank I have never lived at the following address, and this address was added to my credit report under fraud accounts and must be removed XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX the FTC and the FCRA Equifax Must provide me with full information on how the invested the accounts and just calling or getting a respond from the alleged creditor is not sufficient to state that the accounts are mine. They must conduct an independent investigation and prove to me with how it was done and the results.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.