23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I ALWAYS pay all of my monthly charges on -time and in-full. 
However, this Credit Card Company fraudulently claimed that I was Late with a payment, even though they cashed my payment check just prior to the due date, which I confirmed with me XXXX XXXX. 
Then, as these companies very often due, then began to accumulate bogus Late Charges and Interest Fees. 
This is a strategy that many unethical Credit Card Companies use to make money. 
AND THIS IS ILLEGAL!! 
They then ran my Bill up to over $ XXXX and reduced my XXXX score by over XXXX points.+ I filed a previous complaint with the CFPB, and was offered a Settlement to pay {$37.00}, which I agreed to as a compromise. 
HOWEVER, they accepted my compromise payment, and then BROKE the agreement by continuing to BILL me for Late Charges and Interest Fees!!! 
THIS IS DESPICABLE!! 
And this is why they will continue to do this, because there are NO consequences for their illegal actions.
Product: Checking or savings account

I was charged {$250.00} in overdraft fees on XX/XX/2021 that have no correlation to an actual overdraft. Citizens Bank reorders transactions behind the scenes in the most underhanded, cynical way possible to artificially create microsecond overdrafts and then charges you obscene fees for these artificial overdrafts it has created. All throughout the day of XX/XX/2021, my account balance was positive. And on XX/XX/2021, my account balance was also positive. But according to Citizens Bank 's 'eNotice ', there was some abstract moment of time between days where its systems reordered all my transactions with all debits first and all credits last so that it could artificially create a negative balance.

I've tried to talk to Citizens Bank customer service reps and they can't do anything. I don't fault them, they're all forced into this as part of their job and at the mercy of the computer system. But they couldn't do anything for me even though they understood my complaint.
Product: Credit card

In XX/XX/XXXX, my Citi XXXX Credit card was charged a {$95.00} annual fee. I called Citi and asked to cancel the card. They provided a retention offer, saying that if I spent $ xx on the card in a certain amount of time, they would waive the annual fee. A couple weeks later, I could not remember what the offer had been that I needed to complete, so I called citi back to ask what I needed to do. The representative shared with me that I needed to spend {$95.00}, and I did so that same day. A month later, when the annual fee had not been refunded, I called Citi to inquire why it had not been refunded and I was told I had not made the charge in the required timeframe. I shared that I had called Citi the same day I made the charge and had been told at that time that the offer was still valid. Citi still refused to refund the annual and said they would need to go back and  listen to the call history, which might take up to 30 days. I informed them that would not be paying until they called me back with the resolution on the dispute. This dragged on for 3 months, and I was not provided a resolution until XX/XX/XXXX. Citi did at that time refund the annual fee and the late charges due to their error, and I paid the full account balance at that time. Citi refused to let me dispute the derogatory credit reporting.
Two months later, I have tried to use my card and was declined multiple times, I assumed my card was expired or something. I called Citi to have a new card sent, and was told that my account was closed, prior to my discussion and resolution with them in XX/XX/XXXX. I was never sent a letter informing me of the account closure. They also stated that I would have received a letter in my online banking and there is no such communication there. The person I spoke to for over an hour who refunded my fees also never informed me that my card was closed. Additionally, I have had a credit balance on my card for two months now, and despite the fact that the card has apparently been closed for almost three months now Citi was simply holding on to my money, instead of sending me a check for my balance.
Citi clearly violated regulations in not sending me notice of account closure, they also should have sent me my credit balance, however my primary concern is the derogatory credit reporting that Citi reported, despite the fact that there was on ongoing dispute regarding the charge on the credit card that was not paid. Citi dispute # : XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates XXXX and XX/XX/24. Please investigate and provide proof with statements showing these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate dates, amounts, and showing past due! Some the accounts are open and still showing past due! I have disputed the information with all 3 credit bureaus and they have not investigated correctly and are reporting that the information is correct! XXXX has been paid in full and are still reporting flags on my accounts! This is against my consumer rights per FCRA and is against the law! I am trying to purchase a house and these accounts and their inaccurate information are hurting my credit!
Product: Payday loan, title loan, or personal loan

I applied for a payday loan with XXXX ( as it was advertised ) for {$1200.00} back on XX/XX/17 as I was in financial distress. This was done via phone and online. I spoke with a gentleman to complete the process via phone. I was not told of my APR on the phone when applying for this loan, I wish I understood it further as previously I had no issues when borrowing from them before. I have so far paid 14 payments back to date totaling {$4600.00}, I have a total of 20 payments. Upon reviewing this further, I found that this company may not be licensed in the state of New Hampshire to provide loans, if it so is, it's not in compliance with state laws on the max APR and amount allowed to borrow - state of NH states {$500.00} max for the loan amount and no more than 36 % annual interest. My interest rate is 720 %!!! Things like this need to be stopped. They have well enough got their loan amount back and then some.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I requested on various disputes that the following companies make the following revisions to my report based on fraudulent date being reported. 

Personify- reporting account status as Derogatory, despite the fact that this account was settled and paid as requested. 

XXXX - reporting account status as Derogatory/Collections, despite the fact that this account is settled and paid as requested. 

XXXX- reporting account status as Collection/Chargeoff, despite the fact that this account is settled and paid as requested. 

XXXX XXXX XXXX - reporting payment status as Collection/Chargeoff, despite the fact that this account is settled and paid as requested. 

XXXX XXXX - reporting payment status as collection/chargeoff, and reporting account status as derogatory, despite the fact that this account is paid and settled as requested. 

XXXX XXXX - reporting account status and payment status as derogatory, despite the fact that this account is settled and paid as requested.
Product: Credit reporting or other personal consumer reports

I recently received my documents, and there is a debt that I requested to be investigated because I am not familiar with it. I request an investigation, and the only response I get is " we think its not you, '' but I don't receive any resolution to my dispute or any evidence regarding it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXXXXXX 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
Product: Credit reporting

I submitted a form requesting from all XXXX major credit bureaus a copy of my free annual credit report. I received a response from Experian telling me that I have already received my free annual credit report. They are trying to count a free credit report as one in which you are decline for credit and request it as the annual free credit report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt XXXX and would like for all listed account to be blocked and deleted company information from Experian and XXXX. 

Please delete the following account : XXXX XXXX XXXX Account XXXX Balance : {$14000.00} XXXX XXXX  Account XXXX Balance : {$14000.00}
Product: Credit reporting or other personal consumer reports

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXXXXXX XXXX XXXXXXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX {$7400.00} Accounts : XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$9600.00} XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit reporting agencies a letter on XX/XX/22 and they were required to enter a notice of dispute within 30 days of receipt to my accounts so that my creditors and anyone else pulling credit report will know that these items are being disputed by me, but they failed to do so. Section 623 stipulates that if this notice of dispute is not entered within this given timeframe, all disputed accounts must be deleted from my credit report for violation. I am including a list of my disputed items that do not report this requirement. I will attach the letter that was sent which is dated and time stamped along with the credit report showing that the credit bureaus failed to enter a notice of dispute. I can take this to court for legal action, but at this time I am only asking for the removal of the inaccurate late payments. Please remove the following late payments from these accounts immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion LLC is reporting information on my credit report that's not mine. 
Account # XXXX I have asked for proof of verification and deletion of this account but never receive neither of the two.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Mortgage

We have a XXXX exchange and contracted XXXX XXXX to do these loans. We had used them recently on a refinance and they had all the documents on file to close escrow. I asked them if they knew who to handle a Corporation loan and XXXX exchange and they stated that they had a lot of experience.Escrow opened on XX/XX/XXXX, XXXX Broker waited until the day we were suppose to close to let us know that they needed a Letter of Opinion form a Attorney and the Operating Agreement. When I asked them why they did not tell us about these letters they stated that they had just found out 2 days ago about the letters. I called the bank who was doing the loan and spoke with the person handling our loan and she advised me that the Broker knew about these letters for a long time. I called several attorneys offices and was advised that the letter of opinion would cost {$5000.00} to {$6000.00} and the letter of organization would cost {$1000.00} and that they would take approximately 4 to 6 weeks to finish. I called the Broker and advised him of the cost. He stated that even if we paid for these letters there was not guarantee that the loan would be funded.We were already 53 days into escrow. We had no choice but to cancel the loan as the sellers were not going to wait. We requested a refund on the Appraisals as they should not have been ordered until they were 100 % sure that the loan was going to be funded. They refused to refund the amount of {$1500.00} stating that they had lost money on this loan. 

Attached is a more detailed description of what happened. 

We are requesting that they refund us the {$1500.00} and that we get compensated for losing our investment monies due to their negligence. 

Thank you very much for taking the time to review our complaint. We hope to hear from you soon. 

Have a wonderful day. 

XXXX & XXXX XXXX XXXX Home XXXX Cell
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX 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 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.

TRANSUNION 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 reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : 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 XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

A {$1000.00} payment was made via bill pay on XX/XX/2023. The payment was made in error to my previous account # XXXX. 

Ford acknowledged that the payment was made but said the payment was returned to my credit union. 

Two months of statements were provided showing that the no payment was returned to my account. 

Emails have been sent to XXXX and there has not been a reply. 

I have been requesting that the {$1000.00} be applied to my account number XXXX.
Product: Credit reporting or other personal consumer reports

I do not consent to e-OSCAR verification and want an actual living human to read this complaint. I will have my invoice for damages and federal consumer violations attached below. Also, a marked-up consumer report showing the XXXX XXXX XXXX XXXX violation 's that EQUIFAX are furnishing with the accounts. I fully intend to pursue arbitration or litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance in reference to me being violated by the XXXX XXXX XXXX XXXX reporting 's. Every marking is a federal consumer rights violation, and each violates the Privacy Act of 1974, 15 USC 681, 15 USC 1681e, 15 USC 1681b, 15 USC 1681n, 15 USC 1681a and 15 USC 1681s-2. I will file arbitration as my next step.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday XX/XX/XXXX I had went to a car dealership that I wanted to buy a car from. I advised them that I only wanted my credit ran once being that I am in a process of buying a home. The man by the name of XXXX XXXX that works for XXXX XXXX XXXX advised me it will only be ran once. The very next morning that I woke I saw my credit was ran 6 times which is unfair to me as a consumer because I was never advised that my credit will be ran 6 times. I need to know what steps I need to take to correct this.
Product: Debt collection

I requested validation of debt, despite my effort they didnt responded me back and are calling me and threat to report on my credit report.
Product: Money transfer, virtual currency, or money service

I got scammed on XXXX for a car. A dealer offered me car and once i paid the advance, he blocked. They have a XXXX  page. This is a very large network who scams people by show casing cheap cars.
Product: Mortgage

Hello Sir/Madam I got a 30-year conventional loan from XXXX XXXX in XXXX. I am paying PMI on my mortgage as my LTV was higher than 0.8 and it was promised that as soon as my LTV goes below 0.8, my PMI will be deleted. 

In the meantime during XX/XX/XXXX, XXXX XXXX is transferred from XXXXXXXX XXXX to Suntrust ( Truist now ). I don't know why and when that happened but when I realized that payment is not deducted from my account, as usual, I reached out to them and made two months ' payment in XXXX. At that time Suntrust mentioned that this will not be a problem because such service change comes with 60 days payment grace period. 

Now, from XX/XX/XXXX, I put a request to Truist to delete my PMI because my LTV is below 0.8. From XX/XX/XXXX, I did numerous mail and call follow-ups but never got a response and they came today and replied that PMI can't be deleted because I had a late payment. I always made my payment on time as it is auto debit from my checking account. They can check all my past XXXX payments and Truist payments till now. There is only one instance and that too when service was changed from XXXX to Suntrust and when I realized did payment to them and that is within 60 days of grace period. 

This is very bad from truist that they took so long and I kept paying PMIs. I request you to please review and let me know if you need supporting documentation. 

Thanks XXXX XXXX
Product: Debt collection

I first reported the fraudulent activity to CapitalOne XXXX XX/XX/2019. Two fraudulent transactions took place XXXX XX/XX/2019 ( {$2500.00} ) posted to my account XXXX XX/XX/2019, and XXXX XX/XX/2019 ( {$2400.00} ) posted to my account XXXX XX/XX/2019 for a total of {$4900.00} ( excluding finance and other charges ). Upon noticing the fraudulent charges I immediately froze my account with CapitalOne, and have since closed the account and filed a police report with the City of XXXX Police Department. I have also registered for fraud alerts with both XXXX and XXXX, and have at my own expense, signed up for a credit monitoring/fraud alert service. To date, from XXXX XXXX, after several phone calls and several documents provided, CapitalOne has not corrected the fraudulent transactions and the finance and other charges related to the fraudulent amount.