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

I have been trying to resolve issue with my account with Citibank since XX/XX/XXXX. My account has been enrolled into Debt Management Program since XX/XX/XXXX and I was paying out my outstanding balance since then. I contacted Citibank a numerous times to resolve an issue with interest charges that a creditor charges me every month for cash advance transaction in the amount of {$54.00} that was posted on my account in XX/XX/XXXX. After careful review of my billing statements since XX/XX/XXXX, I noticed that Citibank charges me extra interest, average monthly interest charge for the above cash advance transaction in the amount of {$0.00} every month. My research shows that a creditor calculate an average amount subject to interest charge is {$66.00} and this amount has not been changed since XX/XX/XXXX. Since XX/XX/XXXX my cash advance transaction was paid off and I paying additional interest charges due to Citibank cardmember agreement. All my attempts to resolve an issue with Citibank were unsuccessful. 
The last time I contacted Citibank on XX/XX/XXXX and I spoke with Payment Arrangement department. The representative name XXXX reviewed account information with me and provided the following explanation why my account is still accruing interest charges for cash advance transaction. She stated that according to Card Agreement, they will apply the minimum payment due to interest charges and transaction fees first, then to cash balances in order from lowest to highest. She also mentioned since my account enrolled into DMP in XXXX and my Annual Percentage Rate was lowered to 9.9 % it will take longer time to pay off cash advance interest. I completely disagree with this explanation and I am trying to resolve the above issue with Citibank second lever management. I was advised that someone from CCG department will contact me within 2 business days and I have not heard back from them. I have been trying to call back and I asked to speak to department supervisor and I was advised that supervisor is not available and someone will call me back again. I spoke to 3-4 different representatives. I have received a letter in the mail from Citibank dated XX/XX/XXXX that has been informed me they have completed their research regarding a recent issue and asked me to contact them back, son they can provide the results of their research The letter was signed by Vice President of Citibank, NA XXXX XXXX. 
I have been trying to call the number listed in the letter and reached different department who has no information about my account since my account has been closed. They transferred me to another department who is unable to assist me neither regarding my account and their research.
Product: Checking or savings account

Bank of Hawaii is refusing to provide copies of checking account agreements and signature cards. They refuse to do so absent a court order or subpoena according to their customer service representative and the 'supervisor XXXX '. They will also not provide their names or employee ID so there is NO accountability. This is poor customer service. They only provide a single phone # XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX, XXXX, XXXX XXXX, XXXX, XXXX, AND XXXX 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 XXXX XXXX XXXX XXXX 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: Debt collection

Debt collector is showing up on my credit report in the amount of {$1800.00}. sent out a validation letter on XX/XX/2018 requesting for them to send me the information pertaining to this so called debt. Have not received anything from them and this is impacting my credit score.
Product: Credit reporting or other personal consumer reports

I reviewing my cosurmer reporting credit I discover some instances of late payment on my account for Wich I have always maintained on timely payment consumer roporting agencies play a crucial role in accurately reporting consumer information I demand those late payment removed them from my account please thank you
Product: Credit card or prepaid card

There are XXXX inquires from CITI listed on my credit file which I have NOT applied for credit. I would like to know why? This is fraud and I want the inquires removed
Product: Checking or savings account

Respected Sir/Madam, I am very well customer of Bank of America since XXXX. I have student checking account with them. On XX/XX/XXXX ( Friday ), i noticed that somebody used my debit card details and made transaction of {$2500.00} and {$500.00}. As soon as i got this details, i called customer representative and told them this transaction is not made by me. At that time, she told me that transaction in under process state, as soon as they deduct they will file claim for it. i was ok with that. Than i suddenly noticed that, on XX/XX/XXXX XXXX Saturday ), There were more three transaction made of {$100.00} with the same details. I called customer representative and told them this transaction is not also made by me. So, he file claim for that as well ( total claim money {$3300.00} ). And i requested for issue new debit card because some was using my debit card details. After one week, i got letter from bank of america indicating that my claim is denied and they think this transactions are made by me. But i did not make a single transaction of that. I am very worried about my money because i have to pay tuition fees as well. please kindly help me in this situation. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

A business alleged that a negative information must be stated on my reports to cause a 243-point deduction. However, did not stand to the challenge of reporting accuracy and has refused to cooperate with investigating the matters in a honest and fair consumer manner, MGL 93A. The bureaus are requested to remove the items over 60-days now and have done little or nothing, some even causing further  damage to the reports. It is time to restore my credit to its original state of XXXX points since the disputes have gone on for long enough, i.e. since XX/XX/XXXX to XX/XX/XXXX, and every effort was made to help them reconcile the reports to accuracy including the detailed reporting based on the business ' own printed statements.
Product: Checking or savings account

Years ago, I was assessed an overdraft fee on my checking account. I was surprised because I thought I had opted out of overdraft fees when I opened the account and that any payments that would overdraw on my account would just be declined. However, when I contacted the bank, a teller told me that I had not opted out fully, so I paid the fee. At the same time, I asked the teller to ensure that going forward I would be fully opted out of any overdraft coverage at all. The teller told me that I would be opted out for all transactions going forward. I re-emphasized that I wanted the bank to decline ANY payment at all that would overdraft my account, and the teller reassured me that that would be the case. This assurance was not tested until now, since I've not been close to overdrawing on the account until recently. I just received {$36.00} overdraft fee on my account. I just called the bank and they said I was not fully opted out and that I would need to visit a branch location in-person to opt out although I was already assured the last time this happened that I was fully opted out going forward.
Product: Mortgage

We applied for and received a {$180000.00} HELOC loan with Regions Bank for our condo home. The application required us to provide copies of our insurance on the unit as well as the 196-Unit Condo Association Master Insurance Policy . Both policies were reviewed by the loan officer, the underwriter for Regions, and we were approved for the loan. The Condo Master policy provided to Regions Bank showed that our Association had a 10 % windstorm insurance deductible. The loan was recorded on XX/XX/2024. 

A few weeks after receiving the loan in XX/XX/2024, and before we even had a chance to use the loan, on XX/XX/2024 we received an alarming threatening letter from Regions telling us our insurance was in violation of Regions insurance requirement policies because they require that the Condo Master policy windstorm deductible be no more than 5 %. The Regions notification letter states that we must have " the deductible amount adjusted to meet our requirements ( 5 % ). '' As individual owners in a large building, we, of course, have no ability to do this. Our Condo Master policy is the same as when we applied for the loan and is in effect for a year : the windstorm deductible was 10 % when we applied for the loan and is still 10 % now. 

We contacted Regions Insurance department and reiterated our position that we should not have been approved if the insurance we provided was lacking. We have asked to have this lien removed as 1 ) we have not used it because we have been told we are in violation of Region 's insurance standard, and 2 ) we can not use it because we do not want to put ourselves in legal jeopardy by using a loan in violation of the Bank 's standards. Regions says we must pay {$1300.00} to remove this loan that we can not use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already opened a dispute with the XXXX XXXX XXXX and they failed to remove the account from my credit report. I did not open a leasing contract with the company the collection agency is reporting for. The collection agency has also failed to provide documentation of a leasing agreement with my signature.
Product: Credit reporting or other personal consumer reports

My Company was closed due to COVID 19 and we never reopened so in XXXX and XXXX the 5 companies wrote off the amount owed and never sent a 1099c so I could claim it as income on my Taxes this is considered IRS Fraud since it has been 3-4 years the accounts should be removed the information listed for the last 3-4 years is false and has had a bad effect on my personal credit the information is considered income not debt after it is written off
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has 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 : 8556 has violated my rights.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

There was identity theft used to open an account with fraudulent activity causing all of my Chase Accounts to be closed and my personal file to be hotlisted. I filed a claim to prove it with their department in which they sent me an unsigned confirmation letter that my claim was true, they still refuse to remove me off of the hotfile. They will not participate with the branch to the point that one department denied the letter was sent or issued while another department stated it was sent but not signed as was their protocol. At this point Chase has not acted in good faith. Despite being found innocent.
Product: Credit reporting or other personal consumer reports

The company portfolio recovery, bought an account that was closed on my credit, the account was opened by the original creditor, in XXXX, it was scheduled to fall off my credit report, it was closed, portfolio recovery some how added it to my credit report profile, as if I opened the account in XXXX, this is false. The original credit account was taken off my account. I have had no contact with this company concerning this account, Im not sure how they were able to get my information. They original account was with XXXX XXXXXXXX, now its on my credit report as portfolio recovery is the original creditor. This is false.
Product: Debt or credit management

I don't know any of the dates but my name and information was used in a data breach
Product: Debt collection

On the date of XXXX XXXX 2017 for the amount of {$330.00} A Company opened a collection I never signed any documents saying that I owe this debt to this collector They are violating my rights of the FCRA as a consumer I do not know who they are and have not written a consent from my end Also they have not verified that I owe this debt to this alleged company Please have this removed from all three credit bureaus XXXX XXXX
Product: Credit reporting or other personal consumer reports

I keep receiving phone calls and letters from MMLLC stating that I am behind on my mortgage which I am not this is a constant thing. First of all I have told them repeatedly I am not verifying any information if they call me. They should already know my address second I have paid my mortgage on time the agreed upon amount is {$1700.00} which I pay half on the first and the other half before the XXXX of every month which makes is not late. This is the amount {$2300.00} that movement is claiming I owe which is not true and I don't know where they got this amount from. Which is according to MM is 38 days past due. I never agreed to pay $ XXXX plus a month and I will never agree to that amount. The calls needs to stop not only that the excessive amount that they charge for homeowners insurance is close to extortion. I finally have my own insurance and the amount again that I have agreed to pay is {$1700.00} and that is all I am paying every month. MM needs to fix what they have put on my credit which is late notices and late fees which I have not been on either.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my monthly credit report, I note an amount of {$95.00} shown as seriously delinquent and reported to both the credit reporting bureaus and referred for collection by XXXX to Diversified Consultants a debt collection company. This has resulted in a significant negative impact on my credit score.

I have two legitimate accounts with XXXX. The first is for my principal residence which shows that the account is fully current with the next payment due on XX/XX/XXXX. That account is on auto pay with my credit card. 
I have a second account for my weekend residence which is paid for by the Homeowners Association through a Master Contract between XXXX XXXX XXXX and XXXX XXXX and XXXX. That is included in my monthly maintenance which is also current and has a credit balance. 
The account which has been reported as delinquent and referred to collection is NOT properly my account and I do not owe any amount on that account. The error is entirely with XXXX for creating an account in my name which is NOT authorized. 
I contacted XXXX to resolve the situation. However, the XXXX Representative required an account number to proceed with assisting me. I do NOT HAVE an account number. I do not have any bill or other indicia of an account or balance due. I am unable to provide an account number for a phantom and non-existent account that I did not create, incur or authorize. 
Accordingly, I have no alternative to resolve this matter except by filing a complaint under the FCRA and FDCPA. 
I am filing this complaint against both Diversified Consultants for fraudulently attempting to collect a debt not due and XXXX for providing false credit information and referring a non-existent debt for collection. 
Both entities have created significant harm to my credit status. 
I require immediate correction of the matter with appropriate notification to all Credit Reporting Bureaus that the statement of delinquency is totally erroneous and due to an error by XXXX. In the event that I am unable to resolve this matter through the CFPB complaint process I will proceed with further remedial action against both entities for damages as provided under both the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent account name XXXX / XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX  # : XXXX, Account name : XXXX, Account name : XXXX XXXX XXXX # : XXXX, Account name : XXXX XXXX XXXX # : XXXX, Account name : XXXX XXXX # : XXXX. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX : XXXX, XXXX has violated my rights. 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Contacted at XXXX XXXX EST on XXXX/XXXX/2015 from phone XXXX sears department to my cell phone at XXXX. I told the rep that I will make payment on the next due pay because I had tried to make a payment extension to avoid late fee and it was not granted so I received a late fee. Rep told me if I wanted to make an automatic payment on the due date and I said no. Rep then told me that If did not set the automatic pay I will continue getting calls. I said that 's ok I am busy good bye.
Product: Student loan

In XX/XX/XXXX, XXXX XXXX XXXX, XXXX ( XXXX ), a collection agency acting on behalf of its client, NAVIENT ( a.k.a " Sallie Mae '' ), had reached out to me with a settlement offer. Because Sallie Mae and Navient had a history of harassing me on a daily basis with non-stop robot calls morning, day and night, 7 days a week, I had chosen to make the sacrifice myself to be able to settle for the sake of my overall sanity. 

Please note that there were no other options that were previously made available or granted to me, rather, it was " take it or leave it ''. Despite of Navient, and also previously, Sallie Mae knowing of my consistent on-going hardships and inability to benefit, no other offers were made available or granted to me. 

It's important to note I had previously filed for XXXX  XXXX Bankruptcy in XXXX, which I then converted to XXXX  XXXX, where I listed Navient on the List of Creditors. This was all done in an attempt to provide myself which the much-needed relief of being under the protection of the Federal Protection code under Bankruptcy, due to the fact that no options were ever granted to me whatsoever, and also because I wanted relief from the on-going harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chex systems received a LEGAL Notarized BANK affidavits the Certified Receipt shows Tracking Number : XXXX XX/XX/XXXX DELIVERED to them disputing XXXX and XXXX bank under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For Chex systems to Provide physical verification of the original signed consumer contract. <P/>I demanded from Chex systems to see Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY the Certified Return Receipt shows XXXX sent to me XX/XX/XXXX. UNDER the FCRA they are Now REQUIRED to REMOVE BOTH XXXX and XXXX under federal law. Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts XXXX AND XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple requests but the accounts listed below are still reporting on my credit report and are violating Federal Law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 
XXXX XXXX XXXXXXXX Balance {$73000.00} XXXX XXXX XXXX Balance {$20000.00} XXXX XXXX Balance {$17000.00} XXXXXXXX XXXX  Date of inquiry XX/XX/2021 XXXX XXXX Bankruptcy XXXX XXXX  XXXX  XXXX Bankruptcy XXXX XXXX  XXXX  XXXX Bankruptcy XXXX XXXX
Product: Credit card or prepaid card

I had five cards open with American Express and nearly 150,000 Membership Rewards points ( worth ~ {$3000.00} ), earned through spend and the proper fulfillment of many promotional offers over the past 7 years. As far as I'm aware, I have not once violated American Express 's terms and services or even missed a payment. I was notified today that all of my cards have been canceled and that my points have been forfeited because they detected that I was " gaming the system ''. Customer service assured me that there is no way they will give me these points back and was unwilling to tell me how or when I violated their terms. I think that it is improper for a large US bank to take {$3000.00} away from a customer and not tell them why or give them any avenue towards rectifying the situation.