23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was a few days late paying-off the balance on my Citi card. The payment was due XXXX and I paid the balance owed on XXXX. I subsequently paid the balance owed on the statement due date of XXXX. Citi charged me interest of {$38.00} for the statement balance at XXXX through XXXX, even though they were paid-in-full on XXXX.
Product: Credit card or prepaid card

I have a card with American express, and they emailed about a XXXX   interest pay overtime until XX/XX/XXXXof this year XX/XX/XXXX.

We got a limit of {$35000.00} for this pay over time.

So i had a bill with one of our suppliers for {$29000.00} that we needed to pay, so we thought to use this promotional offer, But since this is a larger amount of our regular cash flow, we reached out to american express customer service to confirm that this charge is eligible for this 'Pay over time ' promotion, and they gave us the OK, and we charged that amount.

Shockingly we saw our statement with a minimum payment due of {$29000.00}, with a due date of XX/XX/XXXX, and a penalty APR of 29.99 % if its not paid.

I called spoke to a supervisor name XXXX from XXXX  AZ branch, and was promised if i pay {$6000.00} she will move this large charge into Pay over time.

We paid the {$6000.00} in full on XX/XX/XXXX and today isXX/XX/XXXX and they still didnt fix this, and i scared of this bill how this will end up on our company.

I believe this was all a dirty trick they used to push us into the 29.99 % APR. and they should stop doing this and give us compensation for our painful time that we are so anxious about this.
Product: Checking or savings account

Several overdraft charges occurring by delayed payment processing and pending transactions. Available balance is inaccurate which then creates overdraft of account. 
Dates between XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Subject : Dispute of Incorrect Late Payment Reporting XXXXXXXX XXXX XXXX Dear Credit Bureau, I am writing to formally dispute the late payment reporting on my credit profile for my account called XXXX XXXXXXXX XXXX XXXX  The reported late payments are inaccurate and should be deleted, as I never held an account with XXXX XXXX but I was a victim of identity theft due to the XXXX data breach XXXXXXXX XXXX has violated my rights under 15 U.S.C. 1666b, which states that a creditor may not treat a payment on a credit card account as late unless it has adopted reasonable procedures to ensure that periodic statements are delivered at least 21 days before the payment due date. I never received such a statement from XXXX XXXXXXXX XXXX If they claim otherwise, they must provide verifiable proof, including a tracking number, showing that the statement was actually delivered to me. Failure to do so renders the late payment reporting invalid and in violation of federal law. 
Additionally, my rights under 15 U.S.C. 6802 have been violated, which prohibits financial institutions from disclosing consumer financial information without explicit consent. I never provided XXXX XXXX XXXX with permission to report my account information to any credit bureau, as I was never aware of this account as this account is a result of identity theft, and I am exercising my right to opt out of such reporting. I formally request that this information be removed from my credit file immediately. 
Furthermore, under 15 U.S.C. 1681s-2 ( 7 ), before furnishing negative information to a consumer reporting agency, the financial institution must provide a written notice to the consumer either before or within 30 days of reporting the negative information. I was never notified in writing of this negative information. XXXX XXXX XXXX XXXX  claim they provided such a notice, they must produce verifiable proof, including a tracking number. If they can not do so, the late payment must be removed from my credit report as required by law. 
In light of these violations, I demand that my account status be updated to reflect Paid as Agreed and removed entirely from my credit report. Failure to do so will leave me with no choice but to pursue legal action against both XXXX XXXX XXXX and this credit bure

au for non-compliance with federal consumer protection laws. I have attached copies of the relev
ant federal statutes, including : 15 U.S.C. 1666b Timely delivery of periodic statements 15 U.S.C. 6802 Consumer financial privacy rights 15 U.S.C. 1681s-2 ( 7 ) Notice requirements for negative credit reporting Please investigate this matter and respond in writing within 30 days, as required by the Fair Credit Reporting Act. 
Sincerely, XXXX XXXX
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 confidentially under 15 USC 1681. 

accounts : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, 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 a reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Follow-up to complaint XXXX Wells Fargo has neglected to provide the documents that were subpoenaed. I spoke with a XXXX XXXX who stated that no documentation was provided by the borrower ; however after thorough review of the documents that Wells Fargo would release, it appears that is not true. In addition to failing to comply with a court ordered subpoena, Wells Fargo has also stated that in order for me to obtain any additional information, including what is listed in the original subpoena, i must provide a new subpoena due to change in counsel. This is absolutely not true and is a waste of time and money as the case has not changed and a substitution of counsel has been submitted. I have sent an appeal letter to Wells Fargo requesting these docuemts. 

As an equal co-owner of the property, I have interest in this property and was never made aware, nor did i authorize, the unilateral forbearance or payment deferral that was initiated by my husband, XXXX XXXX. While I am on the deed and mortgage, i am not on the note ; however his unilateral actions have incurred debt on a jointly owned property. 

I would also question Wells Fargo 's process for determination as well as decision to grant any type of COVID-19 hardship loss mitigation option as the note holder, XXXX XXXX , as he has not had any type of COVID-19 hardship. He has a surplus of funds for XXXX, XXXX and XXXX and was more than capable of paying the mortgage monthly. His suspected fraudulent activity has increased debt to a jointly owned property. 

I would also like this forwarded to XXXX XXXX. 

See attached documentation. 

Thank you.
Product: Mortgage

Back in XX/XX/2019 my husband XXXX XXXX XXXX and myself decided to refinance our home. We needed a new roof. We applied with XXXX XXXX, A corporation of New York, XXXX # XXXX, Originator XXXX XXXX XXXX. They sent out a notary 3 different times and still, no loan. XXXX XXXX, the loan officer, kept saying the VA was holding up the loan. I called the VA Loan Center, XXXX XXXX and spoke with the Underwriter , XXXX XXXX. The loan had been approved and the lender had FAILED to supply requested documents. In the meantime, XXXX XXXX  via XXXX XXXX kept telling me that the VA was holding up the loan. We had taken out an XXXX dollar loan to put a new roof on our home. XXXX XXXX  's failure to do the loan in a timely and proper manner has caused financial hardship on my husband and myself. We were denied XXXX and {$500.00} dollars a month to pay for the new roof. Not to mention, my husband, XXXX XXXX is a XXXX veteran with a XXXX XXXX and XXXX. This has caused unbelievable stress and hardship. If XXXX XXXX  had done their job, the loan would have been funded months ago. Instead they lied to us and strung us along for MONTHS, 5 months to be exact.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account : XXXX from 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 1692b acquisition of location information by debt collectors.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft and have had a fraudulent credit card account opened in my name with a company by the name of XXXX XXXX. I have a fraud alert on my credit file, and have sent them my police report, affidavit from the FTC, and sent them information regarding this being a fraudulent account. I didnt consent, authorize, apply, nor request for this fraudulent credit card account to be opened in my name. The address on file does not belong to me, the account was not authorized to be open by me, and Ive been a victim of identity theft over a year. The XXXX police department deemed this fraudulent account as a fraudulent credit card account, and it is documented with the XXXX police department that, Im a victim of identity theft. There is also a address on my credit file reporting that is a fraudulent address as well in which, I never resided at the address listed. I have that address listed on my FTC/IDENTITY THEFT REPORT as a fraudulent address as well. Per the FTC if an account is reporting inaccurately or if a consumer is a victim of identity theft the account is suppose to be removed off of a consumers credit file. Due to the fact the perpetrator who opened up the fraudulent account in the consumers name used the consumers personal information to have the fraudulent account opened. Identity theft has been on the rise for a very long time now, and several consumers are being affected by individuals stealing their personal information using it to open up accounts in consumers name. Im a victim of having someone steal my personal information and use it for their personal gain which has lead to this issue, Im having with this creditor. Im not going to be liable nor responsible for a fraudulent credit card account being opened in my name as if, Im the one that applied for this fraudulent account. Ive also submitted a FTC/IDENTITY THEFT REPORT as well with the government deeming this account as a fraudulent account, and this account need to be deleted/removed off of my credit files asap. This is not my account, and I shouldnt have to deal with an issue as such. I need assistance with having the account removed off of my credit files, and out of my name immediately.
Product: Vehicle loan or lease

On XXXX XXXX, XXXX I returned my XXXX Volkswagen TDI to Volkswagen as part of the TDI diesel settlement. <P/>On XXXX/XXXX/XXXX I asked Volkswagen Credit of America why even though my account is being shown as closed why {$12000.00} is still being shown as an open amount by credit reporting agencies. On XXXX/XXXX/XXXX they sent me a XXXX balance letter an indicated that it would take 30-90 days for the credit reporting to take affect. <P/>The first of XXXX XXXX I contacted the Volkswagen Credit of America Toll Free number and was informed that they would forward to a special credit reporting group and send me a letter when completed. <P/>As of XXXX XXXX, XXXX the balance is still being shown as open by credit reporting bureaus. Since my loan was paid in full on XXXX XXXX, XXXX I wish to show the open balance of my account with VW Credit as XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

So, at any instance, where there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a deprivation of my rights and a violation of my privacy, as well. With my consumer report, I control what is listed and what is not, and if in the event any accounts are reported without my expressed, written consent, it is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for XXXX XXXX per violation, or account listed without my expressed written consent.
Product: Debt collection

I got a letter from SRA Associates telling me that I owe a balance with XXXX XXXX. I was very confused because this car was totaled out due to an accident and the loan had gap insurance. 
I reached out to SRA Associates, to see if they could prove me information on the account but they couldn't. All I was told by XXXX XXXX that he wanted XXXX a month for the payment plan and if I didn't agree to that then they were going to garnish my account on Thursday of this week. I can't afford that, I'm on social security and XXXX. XXXX XXXX was cruel and very mean. I hung upon him. I called my daughter and asked her to find out what was going on with this debt. She tried to contact them and got XXXX XXXX and he told her that she had to pay XXXX per month for the payment plan or they were going to just start garnishing her too. 

I just got the notification, how did I get sue on this account. The abuse I'm getting from this collector is ridiculous, over a XXXX debt, that I was told by the insurance company was paid off.
Product: Debt collection

Made a formal statement with Ability Recovery Services LLC on XX/XX/2018. Explaining to them that I was XXXX at the XXXX XXXX XXXX in and around the time these services were provided. I asked for proof of a itemize bill. The debt collector refused to send it to me. After calling numerous times they finally agreed to send me a bill. Instead of sending the itemized bill they sent one of their cover letters with an attached payment slip at the bottom of paper.
Product: Credit card

I am in collection with XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX. I have asked XXXX XXXX XXXX XXXX XXXX for proof of purchase and cash advance receipts to prove I actually used the money. I only received back payment histories.
Product: Debt collection

They have called me 47 times in the last 24 days. Most calls are 2 times a day and including weekends. We are currently working with a debt relief program and the program has already been in contact with Barclays to resolve our account yet they continue to call twice a day or more everyday.
Product: Credit reporting or other personal consumer reports

15 US Code 1681 ( a ) ( 2 ) ) ( a ) ( i ) I didnt give written consent
Product: Checking or savings account

United community bank allows my wife without my permission to pay a debt ( which they hold ) They will not allow my wife to withdraw money from the same account because they say its illegal for them to do that When she lays the loan they told her the wrong amount And proceed to charge me {$20.00} late fee every time the transaction is made It is a very sneaky tactic and the very least I want is the late fees to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In a CFPB complaint ( XXXX ), I have tried to correct information held on file pertaining to myself- the information is incorrect and needs to be verified. I have asked many times to have this verified and it is generally completed in XXXX - I have asked for them to check their verification as the I formation is not correct. But they claim it has been done yet show no evidence of any verification process. 
I have asked CFPB to look into this. It resulted with a blanket, nonsensical response to which the case was also closed without any proof of verification. 
Please, provide proof of verification and remove all inaccurate entries from my account- I have not applied for any loans with any of the services shown on my file - there is no signatures from me requesting those applications and at no time have I authorised anyone to acquire information regarding my credit to the companies I have disputed. 
This process is designed to protect the consumer, but it seems it is manipulated by the reporting agencies. 
Please verify and provide evidence of any credit application you have against me, or remove the inaccurate information immediately.
Product: Mortgage

Bank of America has violated Bankruptcy Law and state and federal laws by trying to foreclose on our home while in bankruptcy with fraudulent documents. Master Servicer Bank of America developed a scheme and transferred loan to  XXXX   XXXX   XXXX  to cover up Bankruptcy Law violations.
Product: Debt collection

I was sent a letter about monies owed for cleaning/carpet from a previous apartment ( XXXX XXXX  ). I called the debt collector and asked why they were requesting it as when I left I was told there was nothing owed... The man on from the debt collection agency said not to worry as he will look into it more and get back to me within a month- he told me he would call me in XXXX with more information. This person/company did not ever get back to me ( call/letter/etc ) and then this month ( XX/XX/XXXX ) I get a word from my credit agency my credit dropped XXXX points due to no paying this debt ... Then I finally get a letter from this debt company this month as well ( XX/XX/XXXX ) - - nothing in between XXXX and XXXX! 
I reached out to the debt company yesterday and the gentleman I spoke with was the SAME person I spoke with back in XXXX and he denied saying he was going to call me ( like he said before ), he also told me they sent another letter which was a lie as well.. He basically told me I was wrong and pointed the finger at me. 
I would have paid this debt long ago if I was contacted as it is not a lot of money, but instead forgot about it and/or figure they got rid of the debt as I NEVER heard anything until now.
Product: Student loan

I have mailed a detailed letter to Navient underwriters or General Correspondence & Submitting Documents. I have sent it on XXXX XXXX, 2017 via USPS tracking number XXXX.
Product: Credit card or prepaid card

USAA Federal Savings Bank failed to meet their legal obligations pursuant to 15 U.S. Code 1666. ( a ) ( 3 ) ( B ) ( ii ) by failing to send a  complete written explanation to the obligor ( XXXX XXXX XXXX ) of the investigation conducted by the creditor. On XXXX XX/XX/2020, a USAA CEO member relations representative stated that only a partial written explanation of the investigation was required and that further investigation details would only be passed via non-written means ( i.e. telephone ) and can not pursue the matter further due to Visa policy. Specifically, USAA has refused to provide a detailed record of the telephone contact attempts ( i.e. a list of call dates and times ) to me during this investigation. Additionally, the USAA CEO member relations representative acknowledged that their credit card dispute representative did refuse to contact me regarding my case but offered no written explanation for this contact refusal. I have over 1 dozen documented attempts to receive a full written explanation of USAAs investigation and transcripts of those attempts are included with this complaint. As USAA failed to comply with this legal provision [ 15 U.S. Code 1666. ( a ) ( 3 ) ( B ) ( ii ) ] and the obligor continues to make substantially the same allegation with respect to the error, the creditor ( USAA ) has further responsibility to continue their investigation to remedy the credit card error regardless of another financial services company 's policy ( i.e. Visa ).
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 institutions and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also 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.