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

Payment due date occurred on a non-business day and over a holiday weekend. On the due date I attempted to pay online but the online system did not let me post on the due date, I could only post the payment 3 days later. As a result I was assessed a late fee. 

I called on a business day after the fee was assessed but was told the late fee could not be reversed. I was also informed that I could have called and if so the posted date of payment would not have been considered late. 

This makes no sense from a consumers point of view - why does the credit card company 's system allow payment by phone on non business days to be made but not the online system? The online system blacked out the possibility of paying on time for 3 days! This appears to be nothing more than a sneaky way to assess late fees and interest charges to customers for greedy profits. How can the phone system be different than the online website payment processing? If calling by phone could be credited on non business days then so should paying online. I was given run around explanations for the difference. 

The highest XXXX I spoke with on the phone sneered and snickered at me, not taking my concerns seriously or with professionalism.
Product: Credit card or prepaid card

I have been XXXX  in the XXXX XXXX XXXX XXXX  at the XXXX XXXX XXXX XXXX since XX/XX/2007. I recently obtained a current copy of my credit report to only find out that I've been a victim of Identity theft. I wrote a letter to capital one regarding the XXXX store card open in my name without my knowledge or consent, along with a dispute with supporting documents showing my ( CRC ) consolidated record card along with my prison ID, social security number, a Identity theft sworn affidavits. 
Where capital one denied the claim without an active investigation, its response was nothing more then a smoke screen dancing around the issue. Nothing in there response substantiated how I opened this account, they sent any credit card to a prison. Any address on my credit report is a result of my Identity being stolen. And I ask that this company remove this account from my credit report because I had not opened it nor authorized and one to do so.
Product: Checking or savings account

Bank of America claim XXXX On XX/XX/2022, I was charged a fee of XXXX plus XXXX international fee. I was not in the state of XXXX  in the month of XXXX. My checking out was charged that amount and i had my Debit card in possession at the time. Bank of America than did a Temporary adjustment of XXXX and a claim was opened. In the month of XXXX i received a letter that my claim was denied and as of now the claim is closed and they have placed a debit hold of XXXX again. I am the only card holder and have never authorized anyone to use my debit cards. Fraud has been done by that person and Bank of America is not helping me at all.
Product: Mortgage

My Mortgage company escrows taxes to be paid. 
We have faxed and send the bill to them as per there instructions as soon as we receive it And they have not been paid. We have received a notification from the county that our house may go up for sheriffs sale. The tax bill was faxed to them on XX/XX/XXXX. The tax bill was mailed to them on XX/XX/XXXX. The sheriffs notice was received on XX/XX/XXXX. I called them and cant reach anyone to help us to find out why the bill is not being paid. My statement shows that the money for the taxes is in escrow. The same incident happened last year.
Product: Student loan

An online FFEL CONSOLIDATED LOAN was done online without my knowledge in XX/XX/XXXX ... .with a company known as CHASE. This online CONSOLIDATED a parent plus loan that I thought was paid off in XXXX ... .need computer location address contacted Chase..discovered company now called XXXX  ... still told loan sold to XXXX and no information on how this consolidation occurred online ... twice the interest rate and like I paid nothing..and I paid quite a bit..parent plus ... and badness..internal revenue OFFSETS and wage garnish..on a loan I did not INITIATE NOR HAVE ANY INFORMATION BESIDES THE OFFSETS AND GARNISHES AND WRECKING MY CREDIT ... PLEASE HELP
Product: Credit reporting or other personal consumer reports

XX/XX/year> Experian Filed a complaint with Experian requesting an investigation on several accounts. Experian never sent information to prove the debt nor removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering my abilities as I'm trying to advance in my life by getting a house to provide for me and my kids.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX : {$50.00} XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Product: Credit card or prepaid card

On XXXX XXXX, 2022, I was booking an airfare on XXXX and was offered a Citi XXXX XXXX XXXX XXXX XXXX XXXX  Card on the screen during that process. The offer was for a {$250.00} AA Statement Credit towards an airfare, and XXXX bonus XXXX XXXX  points after {$2000.00} in purchases. I applied and I was approved for that offer and card. 

After a month, I called Citi to enquire about the status of my {$250.00} credit and XXXX points. They told me I do not qualify because I had another Citi XXXX XXXX Card within the past 48 months. 

When I asked the Citi customer service rep when I had the card, she could not find a record. I told her that to the best of my knowledge, I have not had this card in the past 48 months. I even logged onto my credit report while on the phone and couldn't find any Citi cards within the past 48 months. The rep stated that this must be an error, and filed an internal dispute. 

Today I received a letter from Citi declining to offer me the XXXX points and {$250.00} bonus. I would have never signed up for the card had I known this. Furthermore, they are incorrect - I am qualified for this card because I have not had this card in the last 48 months.
Product: Credit card or prepaid card

I received a call at XXXX on my way to work on a past due XXXX credit card that was issued through Comenity Bank and of course that upset as I was driving to work. so in haste I told them that the XXXX account was included in a chapter XXXX bankruptcy. so they noted that on the account. I went to use my XXXX account also issued through Comenity Bank and was told that the account ca n't be used because I was in a bankruptcy and once they hear the word bankruptcy they no longer allow charges. I was informed by my attorney as long as I kept making payments on the cards I used be able to use them and they are telling me something different. Comenity statement that once they hear the word bankruptcy they cut off access to using the accounts is not accurate as all my comenity accounts were opened when I was in a chapter XXXX. This includes XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 's and XXXX XXXX. I would like access to use these accounts or if they are not going to allow them stop sending statements and write it off as bad debt. they are quick to cut off access to borrower from using card but still send statements and still hit borrowers with late fees. you ca n't have both the borrower paying the card ( whether it 's late or not ) and late fees but not give them any advantage to paying them off. I owe this company a total of less than {$400.00} and have paid on the cards even after the bankruptcy
Product: Debt collection

My insurance company pass and I give them a copy of my insurance card at that time. 


Accordance with the fair credit it reporting act XXXX  account # had violated my rights. 
15 u.s.c 1681 section 602. A. States I have the rights to privacy.

15 u.s.c. 1681 section 604 A section w : It aslo states a consumer reporting agency can't fumish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Subject : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified certain erroneous item ( s ) that require attention : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
In accordance with the Fair Credit Reporting Act, I hereby request a thorough investigation into these items and their subsequent removal from my report. It is my understanding that you will contact the relevant creditor to verify the accuracy of the disputed information. Please eliminate any data that can not be substantiated by the creditor. I am aware that, as stated in 15 U.S.C. Sec. 1681i ( a ), you are obligated to complete this reinvestigation within 30 days of receiving this correspondence. 
Kindly provide an updated copy of my credit report to the aforementioned address. As per the legislation, there should be no fee associated with this updated report. Furthermore, I kindly ask that you notify anyone who has received my credit report within the past six months regarding the corrections made. 
Thank you for your attention and assistance in this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

No information given regarding account. Violates federal XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX i XXXX. The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been XXXX months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX i XXXX The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been XXXX months and no information given. No medical release to collect on this debt either
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a student loan account with DEPT of ED/XXXX account # XXXX. The account on my credit file incorrectly shows 90, 120 and 150 days late from XX/XX/XXXX to XXXX and XX/XX/XXXX. Under 15 USC 1666B this is a billing error. I have never been late with any payment. 

What is the USC code 1666b? 
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.
Product: Mortgage

I have been in my home for 20 years. It is in good condition. I have paid the principal balance down to {$32000.00} from {$100000.00}, so I am sure that I have equity in this property that they are trying to take from me. They initially offered me an opportunity to modify the loan over the phone, but never collected documents from me to complete the review. 



My interest rate is 8.95 % which is significantly over the current market rate. A modification would make my payments affordable by lowering my interest rate, and possibly reforecasting my term. 



They have escalated my situation and referred my property to foreclosure without giving me any consideration for loss mitigation retention options, or any of the reliefs that the CARES Act 2020 offers. I do not believe that they are servicing within the DOJ or CFPB servicing guidelines for home owners.
Product: Mortgage

Firstly, there is no such thing as Customer Service with this company PHH or its predecessor OCWEN. They are both companies which do not care one bit about their customers. They do not do as directed. They do not answer calls in a timely fashion ( if at all ). One waits on hold listening to the same deplorable messages to finally get someone in XXXX or the XXXX who know nothing and promise you everything ... ... very cordially. 

I asked that money be forwarded to my principal ... ... I wish to pay down the principal ... ... this is always ignored and they apply it to my mortgage even though I clearly state and write in the check memo line that I wish the extra amount go to principal. 

The business is probably 'machine ' driven and one can not get a human being to do what is requested. The agent XXXX in the XXXX ( XXXX ) promised me this would be corrected. He promised me he would call to say it was satisfactorily completed. He did not. I sent this check in XXXX and am so done with your company. I am not dealing with you anymore and will count on the oversight agency of the CFPB to deal with you. You are inept. 

Secondly, I tried dozens of times literally to call the number on your glossy " COME ON AD '' contained in my monthly statement to inquire about a refinance ... ... HOURS ON SPEAKER AND WAITING ... ... ..NEVER did anyone come on the line ... ... .you are SCAMMERS!
Product: Debt collection

Initially, I received an alert on my credit report stating that I owed {$1300.00} to Credence Resource Management for an unpaid bill from XXXX XXXX XXXX. 
I disputed this claim with XXXX and XXXX, because I had no knowledge of any past due debt with XXXX XXXX XXXX. 
Credence Resource Management responded to XXXX and XXXX saying that I did owe them {$1300.00} from an unpaid XXXX XXXX XXXX bill. 
They eventually sent me a copy of the past due bill from XXXX XXXX XXXX and it was dated " XXXX XXXX ''. 
The address on this bill was an address that I hadn't lived at since XX/XX/XXXX. 
Also, I am currently a customer of XXXX XXXX XXXX and my account is in good standing. When I called XXXX XXXX XXXX customer service, we were unable to access this account with my information. I was told that even the last 4 digits of my SSN didn't match with this account. 
I sent a certified letter to Credence Resource Management stating the above information in greater detail. It was received by them XX/XX/XXXX. 
As of today, I have not received any response from them, and this debt is still showing on my credit reports. 
This is not my debt, nor am I not responsible for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect data on my credit report with Equifax. alot of information is not accurate and is hindering me from approvals. please update all listed items to be removed asap.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress. for these violations.
Product: Debt collection

on XXXX i sent an Estoppel by silence letter to Wells Fargo. to this day they failed to removed the alleged debt. I am seeking monetary damages for violations. Under 15 U.S code 1681b permissible purposes of consumer reports, I never gave Wells Fargo any written consent to report anything on my consumer report. No consent is identity theft. As a consumer by law this account must be deleted immediately. thanks!
Product: Credit reporting or other personal consumer reports

XXXX credit services was a account charged off put in collections and resolved. XXXX has refused to the original XXXX account and also the charge off that has been resolved and instead are leaving both as as derogatory and further hurting credit. Account was closed XXXX XXXX and they keep updating derogatory mark to further hurt credit ( Updated XXXXXXXX XXXX ). Last update was XXXX. The files show XXXX XXXX reporting both accounts as derogatory to further hurt consumer and prevent scores from improving.
Product: Money transfer, virtual currency, or money service

I created an account with company - Betterment, however they closed my account and said due to suspected fraud activities. They just closed my account and my money is stuck with them, they did not give me any detail or information about when the money will transfer back to my account, my money was just gone with betterment. I'm here to file a complain regarding they did not give me any further information.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Fraud accounts unverified and sent to local police are being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX PD and CFPB. 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  Charges filed with Arizona supreme court for all 3 credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE address, emails, bank statement, FTC, police report and ID attached for full verification
Product: Debt collection

I received, via USPS, a letter from American Coradius International LLC that I owed XXXX {$680.00}. I do not have a XXXX account. I had one many years ago and have not used XXXX in years. I tried to call the company, someone picked up the telephone, but did not speak. I also didn't speak, but listened to people speaking in the background, the person breathing on the telephone. After 5 minutes, I hung up. 

I then contacted the FTC and I was instructed to look at my 3 credit reports to see if this fee was on there. There is nothing on the 3 credit bureaus reporting this debt. 

I was a victim of Identity Theft in XX/XX/XXXX and XX/XX/XXXX, as someone filed for unemployment under my name. No funds were ever paid out and I had the 3 credit bureaus freeze my credit. I unfroze the credit the summer of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I contacted Equifax to request the removal of a comment listed on my XXXX credit card ( consumer dispute this account ) the rep stated she has had put in the request to remove comment it would take 24hours. When I checked my Equifax report on XXXX XXXX my XXXX credit card was not reporting at all disappeared when I spoke to Equifax supervisor XXXX ID # XXXX on XXXX XXXX he stated that the company/LENDER is the only one that could had remove my account. after speaking to XXXX who states they did not request removal of my account and that the account is still being reported in good standing on other credit agency and is still open. this is an error on Equifax side and to give them call to fix it. after calling Equifax they refuse to look into the matter of what happed to cause my open account that had been reporting for 1yr to just disappear the next day after request removal of a comment. how did this account get removed completely if the Leander did not do so? and let me remind you the removal of this account decreased my credit worthiness of {$4300.00} that's not being reported
Product: Credit card

Goldman Sachs Bank claims that [ I ] already received a credit from the merchant for the disputed amount ( attached ) under prior dispute case number XXXX ; note that the disputed amount was {$960.00} for this dispute ( attached ). This was an incorrect statement made by the Bank, as both XXXX XXXX XXXX and the Bank have not collectively issued a total non-provisional credit of {$960.00} to the Apple Card for this transaction made on XX/XX/2023. A complaint has been filed with the Consumer Financial Protection Bureau regarding this false statement, as this specific mis-statement was not addressed by the Bank till date. Moreover, the Bank wrongly marked Consumer Financial Protection Bureau case number XXXX as a duplicate of case number XXXX. The banks issuance of a false assertion about the merchant having issued a credit for the disputed amount, where the disputed amount was {$960.00}, was not addressed and was a separate, distinct complaint.
Product: Checking or savings account

On XX/XX/XXXX, I called because my account was locked. They asked for my phone number and told me to wait until XX/XX/XXXX. I called again on XX/XX/XXXX, and they asked for my phone number and my wife 's phone number. They also asked for our driver 's licenses, and when they realized the licenses were from California, they couldnt verify them. I was told to wait 3-4 business days. 

When I called on XX/XX/XXXX, I was informed that the representatives couldnt send the one-time password because neither my wifes nor my phone number was secure enough. They also asked for my license again. I was told that I would need to visit a notary to verify my identity and that I should wait 4-7 business days for the document to be sent. 

I called back on XX/XX/XXXX, and they started asking for my phone number and license again. I told them that neither was working and that I was calling to confirm that the document was being sent. They ignored me and insisted I provide my phone number again, only to find out it was still not secure. They said I would receive the document to bring to the notary within 7-10 business days from that day. When I spoke to Supervisor XXXX, he told me that the previous 4-7 day estimate was incorrect.

At this point, I am unable to pay my rent because of this ongoing issue.