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

I have a credit acct with TD XXXX Card Services from XXXX XXXX XXXX. In XX/XX/XXXX I paid my acct. 1 day late ( made pymt on XX/XX/XXXX ) and was charged {$27.00} late fee. In XX/XX/XXXX I paid it 2 days last ( made pymt on XX/XX/XXXX ) and was charged {$40.00} late fee this time, a {$13.00} increase. Both times I called to ask for assistance with the late charges and if they could offer a hardship and they refused to refund the late charges and said I was not eligible for a hardship. I explained I am out of work, I lost my job due to the COVID pandemic and juggling to pay the bills but make sure this gets paid every month. I was told I used a hardship for deferred pymts from XX/XX/XXXX until XX/XX/XXXX, when I actually only used the deferral for XXXX and XX/XX/XXXX. They stated both times I was not eligible for another hardship. I asked if I could re-apply for another hardship since I did not use the entire 6 months they offered but I was declined. I make the pymts monthly but was late due to having to make mortgage obligations and make their pymt once I receive my unemployment. They are not willing to work with me to make the pymt due date a few days later to avoid the late charges. When I asked to speak to a supervisor I was told there is nothing the supervisor could do and told me it would be a long wait to speak with a supervisor, When I was on hold for the supervisor, they disconnected me. XX/XX/XXXX 's pymt was 3 days late ( made pymt on XXXX ) so I included the late charge when I made the pymt. on XXXX. When I seen my next bill online they still included the late charge of {$40.00} with the next pymt. ( {$170.00} ) for a total due of {$210.00}. When I called to see why I was told the late fee was applied to my principal and nothing she could do about it. When I asked if she could re-apply the {$40.00} I paid with the pymt to the late fee she said no as I tried to explain I am having a hard time making the pymts and to see if she could ask if this could be done she in a hurry said no and thanked me for calling and rudely hung up. Her agent id # XXXX. With my unemployment and the pandemic stimulus payments it does not come near to what I was making while employed. My wife has been out on FMLA due to an unexpected XXXX. I am not looking to not make my payments, just a little assistance with the due date change or the late fee waved, as I have tried to explain this to the credit company. Given we are in the mist of a pandemic I don't know how they can continue to charge late fees and then raise the late charge.
Product: Credit reporting or other personal consumer reports

Capital one reporting a balance on a sold charged off account asking for a balance and collections also asking for a balance. I never said the account was not mine I asked for validation. Please focus on you reporting a balance on a charge off sold account. Where is my 1099? You can't report income on my credit file.
Product: Credit reporting or other personal consumer reports

I have previously made an online disputes with all XXXX CRA 's of the reported inaccurate lateness 's on my XXXX NELNET student Loan accounts. These false lateness 's have not been deleted and the disputed lateness remain on my credit report. As of this date, you have failed to respond to my request and my Credit report dispute reads ( In Process/ Now resolved by data finisher ) Disputes files XX/XX/XXXX and follow up XX/XX/XXXX. 

Both of the Student Loan Nelnet accounts have Latenesses Reported from XX/XX/XXXX thru XX/XX/XXXX, which is falsely and legitimately impacting my credit profile, while the federal administrative forbearance was in affect. 
These late marks must be removed as they were reported late during the COVID-19 Emergency Relief XX/XX/XXXX, until XXXX XXXX, XXXX. 


COVID-19 Emergency Relief and Federal Student Aid The U.S. Department of Education 's COVID-19 relief for student loans \automatically paused your loan payments and set your interest rate to 0 % from XX/XX/XXXX, until XXXX XXXX, XXXX. This payment pause is also known as an administrative forbearance.
Product: Credit reporting or other personal consumer reports

Dear Transunion, XX/XX/2024 In Accordance with the fair credit reporting everything has to be XXXX percent accurate on my consumer credit report. 
The Credit bureau stated my account was properly investigated but how is that possible if the open date and close date and last date active is inaccurate. This is ground for deletion. 
Inaddition you violated my right according to congress.

15 U.S.C 1681 section 602. A state I have the right to privacy.

15 U.S.C1681 section 604A section 2. It also states a consumer reporting agency can not furnish information without my written consent. Please show me where I gave consent. 
Also the credit breau took longer than 30 days to complete my investigation. 
The information that is showing on my credit report in correctly is XXXX XXXX financial account number XXXX. 

Please reinvestigate this is incorrect. if not moved I will have to pursue legal actions because you are damaging my credit report. 


Thank you, XXXX XXXX,
Product: Mortgage

approximately  XXXX  of    2007 Peop  le 's United  Bank  I r eceived a 15 year loan of {$300000.00} for repairs on m y  XXXX family home.  I am in t he 11th year of   the loan and upon requesting a payoff statement for a closing to take place in approx. 2 weeks, to my astonishme nt People 's United B ank, CT has tacked on a pre-payment penalty of {$13000.00}.   A pre-payment penalty figured out by this bank without even showing me the formula used to calculate it. No interest rate. They say " the guys in secondary figure it out ''. I need help navigating this maze of Bank greediness and criminality. Please help. P.S. The loan payoff is approximately {$140000.00} so the  PPP i s close to 10 %. This I feel is egregious and should not stand.
Product: Credit card or prepaid card

Bank of America has several options for setting up autopay for your credit card. I selected to have the amount due paid each month 5 days before it was due. After several months I noticed I was being charged interest. Upon further research I discovered that amount due is actually the same as minimum amount due which is another option they provide. This is incredibly misleading and irresponsible by Bank of America. My research online revealed that many people have had this happen to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX - XXXX- This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the 1 of 2 account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2017 my credit scores dropped 2 and 3 points with XXXX and XXXX.My credit scores should be at the excellent pinnacle by now, but are always being knocked down just beforte the excellent range. Is this intentional? to keep me from paying the lowest insurance rates. There is never an explanation behind these actions which make them suspect. My account balance on my mortgage payments are always reflected leter than they should. The previous complaints I made never offered me an explanation. Please put my credot scores to excellent where they belong and offer an intelligent explanation of any future changes that occurr.
Product: Debt collection

I do not know who opened an account with my name but with another address so best buy contacted me and they ask me about but I did not know nothing about so they sent me a letter where say that they took off all charges on my name month later they sent me a letter and they say that they going to do legal actions on me but I never used the credit card that they suppose I have.
Product: Checking or savings account

My account at direct express was shut down on XXXX on XX/XX/2022. With no phone call I am on XXXX and i no money was put in to my account. I have called every day for weeks and they will not answer their phone or have they called me.
Product: Credit card or prepaid card

Letter from XX/XX/XXXX from Citibank which CFPB helped me with stated that my account was under review for a XXXX. I know there should be a XXXX issued by tax law. 
1. They wrote it off their books in XXXX 2. The balance wrote off was over {$600.00} 3.  No collection activity since XXXX or XXXX. 

I called today ( XX/XX/XXXX ) - the date a XXXX is required by IRS rules to be mailed out by. They have not issued said tax form yet. I am asking your assistance in making sure they do not circumvent the law and issue the tax form as they are required to. I may not know a lot about tax laws, but I do know that much. I also know that once that XXXX is issued, they are to start reporting my balance to the credit bureaus as {$0.00} - both XXXX cards I had have done this once they issued their XXXX forms. Im tired of Citi Bank trying to get around the laws and write their own.
Product: Credit reporting or other personal consumer reports

I uploaded and mailed an Identity Theft report along with a personal handwritten letter pertaining to my complaint pursuant 15 USC 1681 C-2 ( Identity Theft/ Block ) with all required prerequisites for blocking. XXXX claims they did not receive an upload even though the system upload was successful. Several accounts were listed as fraud and 86 addresses as well as 4 different social security numbers. This is nothing more than a refusal to comply and a stall tactic. Therefore, I am requesting all accounts identified as fraud related be blocked immediately according to federal law. XXXX XXXX rejected the process to initiate a claim with documentation being received. They stated the information was not sent by me, even with personal handwritten letters. Equifax has extorted all documentation that was included with my packet, including my personal identification such as Social Security Card and Drivers License.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  sold and DELETED my mortgage account I had with them, account # XXXX without my permission to another lender, Rocket Mortgage. On my credit report it does not show a mortgage on all 3 Bureaus, XXXX, XXXX or XXXX. I am currently paying my mortgage and have never missed with XXXX XXXX or the new Lender Rocket Mortgage. This is a blatant violation of my rights & caused damage to my credit profile. FCRA ( 15.U.S.C 1681s-29a ) ) explicitly requires furnisher of information to accurately report data to the credit bureaus. XXXX XXXX 's arbitrary deletion of positive information constitutes reckless disregard for accuracy & is the cause for potentional unfair credit denials. By removing accurate & positive information specifically, my long-standing record of timely mortgage payments-XXXX XXXX has engaged in unfair practices that violates both the letter & the spirit of the law. Removing accurate positive history from my credit report without valid reason is not only inaccurate reporting but also a direct infringement of my consumers rights under 15u.S.C.1681 ( a ). FCRA Section 611 ( a ) ( 1 ) ( A ) I strongly request that this matter thoroughly investigated by the CFPB. The credit report agencies with XXXX, Rocket Mtg reinstate and post my positive credit history & provide verification of the information. 
Restore my positive credit history and post my new Mortgage with Rocket Mortgage
Product: Debt collection

After discovering this derogatory mark on my credit report and requesting information from this debt collection agency, i have come to the conclusion that this was a result of me being a victim of identity theft. National credit adjusters provided me with the information i requested and also asked that I submit an Identity Theft Report. I have already emailed them my identity theft report after they somehow got ahold of my email and sent me an email requesting the identity theft report. I also attempted to reach out to XXXX XXXX with the phone number I was provided in the letter i received but have yet to speak with him after leaving a message and calling several times to inform him of the identity theft report. They now have my information and have sent me a written letter through mail of the debt I have been disputing with them. I do not wish for them to have any of my personal information such as my phone number, home or email address, etc and ask that this collection be closed and removed from my credit report immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 my girlfriend signed over a check to me so I could mobile deposit the check in my chase bank account. The check was for XXXX. The check was cashed into my account but they froze my account due to which they thought was fraud according to their policy. I tried talking with customer service everyday since then trying to verify my girlfriends phone number. They said that her name needs to match up with her number to verify the check. She even went to the lengths of getting her own XXXX plan to make sure her name matches up with her number. They are giving us a run a round. It'd highly I'mpossible to have her name match with her number. She has documents stating it's her number from. XXXX. They can't tell us how to get it verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have an account with COMENITYCAPITAL/XXXX I had one years ago. I do not have one now and never tried to get another one after I closed my account in good standing with them. My identity was stolen in 2022 in the process of me moving. My photo ID 's, social security cards and much more went missing. I have sent over numerous letters to this creditor along with police reports and report numbers and they refuse to remove the inquiry. I have a copy of the report slip before the numbers generated. The report number is XXXX. I live in NYC where they do not give out paper reports and the number should be sufficient enough. This inquiry was not me and I would like it removed off of my report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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  : {$1100.00} XXXX XXXX XXXX XXXX XXXX  {$400.00} XXXX XXXXXXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$300.00} XXXX XXXX Bankruptcy 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 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), my rights have been violated.

Under 15 U.S.C. 1681, Section 602, I have the right to privacy regarding my credit information.

Under 15 U.S.C. 1681, Section 604A, Subsection 2, a consumer reporting agency can not furnish an account without my explicit written instructions.

Under 15 U.S.C. 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.

I am requesting the immediate correction or removal of the erroneous late payment from my credit report.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX  XXXX Balance Owed : {$600.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$790.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$600.00}
Product: Checking or savings account

I am reaching out to file a complaint against Citibank regarding their handling of my fraud claims. Despite previously submitting evidence of unauthorized transactions and detailed police reports, Citibank has denied multiple claims associated with my account. 

Recently, I was contacted by Citibank, and they reaffirmed their decision to deny my fraud claims without conducting a thorough investigation. This is concerning, as I have been the victim of robbery and several data breaches since 2019, resulting in significant financial distress. 

Additionally, I have been in communication with a Citibank executive office worker named XXXX, who has been handling all of my CFPB complaints. When I requested to speak with her supervisor, she was dismissive and claimed she didn't have one, which I find troubling and unprofessional. 

The unauthorized XXXX transactions were made from my stolen phone to unknown individuals, and I have provided valid documentation verifying this situation. Below are the reference numbers for the claims I am requesting to be refilled, including those not listed due to a lack of case numbers : - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX I appreciate your assistance in addressing this matter and urge you to look into the inadequate investigation process conducted by Citibank, as well as the unprofessional behavior exhibited by their representative.
Product: Credit card or prepaid card

Today I received a credit card and new account information for XXXX XXXX XXXX issued by Bank of America. I never applied for this card but it arrived today with my full legal name on it just so you know I never put my full name on any cards. Im not sure what to do. Im definitely not activating this card and am very irritated that this has happened in the first place
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax and XXXX  in reference to accounts : Dept of Ed/XXXX   XXXX ; Dept of Ed/XXXX XXXX ; Dept of Ed/XXXX  XXXX ; Dept of Ed/XXXX XXXX ; Dept of Ed/XXXX XXXX. I contested the accuracy of the furnisher 's reporting of the payment history which both companies responded to my dispute that the accounts were being accurately reported. How are these accounts being " accurately reported '' when they have the payment status for XXXX listed as " OK '' but the following month XXXX is listed as 90 Days late. How can they report a 90 day late payment status without first reporting 30 and 60 day late payments. These erroneous accounts should immediately be deleted from my consumer report.
Product: Checking or savings account

Bank of America has stone walled me and refuses to return an item I presented on XX/XX/XXXX for payment at a financial institution. Also I have a 17 year relationship and the bank refuses to disclose the location of debt securities and other notes due to my familys trust on my behalf. Bank of America also allowed XXXX XXXX XX/XX/XXXX and XXXX XXXX to commit fraudulent acts on my accounts from XXXX to XXXX and refuses to pursue the criminals and has penalized me. I have been caused great emotional stress and economic loss. Transactions were timely reported pursuant to federal regulations as unauthorized. Also my draft was not honored or returned in accordance with law and equity. Bank also kept unemployment funds due from state of Maryland and refuses to return or credit.