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

Citi Diamond Preferred Card- Don't do it! 

On XXXX XXXX, XXXX  I called Citi to cancel my credit card account. At that time I made a sizable payment toward the remaining balance on the card, but did not pay in full. On XX/XX/XXXX, the company charged me {$22.00} in interest on the remaining balance ( which was fair ). OnXX/XX/XXXX I paid off the remainder of the card, in full, via online payment. I called Citi to confirm that the account is now settled in full and closed. 

So you can understand why I was very surprised to learn that on XX/XX/XXXX ( amount {$1.00} ) and XX/XX/XXXX ( a " minimum interest charge '' of {$.00} ) were charged to my inactive, paid in full, closed account. 

On XX/XX/XXXX I received a voicemail from Citi stating that was in arrears on my account. When I called Citi back to inquire about the call, I was told that " my account is paid in full and not delinquent, so they don't know why I was called ''. That didn't add up to me, so luckily I did a bit more digging, and upon opening my old account ( which again has been closed for months ) I saw  that the company was still charging me interest. When I called the company back, they defended the policy and told me it is standard operating procedure. 

This should be considered Fraud. It is no different than XXXX XXXX opening up thousands of fake credit card accounts and unknowingly charging interest to unsuspecting customers. 

On it's own, the {$2.00} Citi is saying I owe may not seem like much. But the fact of the matter is, if they are doing this to me, they are doing this to customers all over the world and making a killing on the backs of it's customers who believe they have closed an account in good faith. ( what is there to charge interest on?! The account is closed, unable to be used and paid in full! ). 

Buyer Beware.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sagestream llc came up on my credit report back in XX/XX/XXXX so on XX/XX/2019 faxed my info to them i called them 3 times no respond all I want is my consumer report I'm at a dead end just trying to figure out whats on there report I need some help.Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute an entry on my credit report under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that all information provided to credit bureaus must be complete and accurate. It is critical that my credit report reflects the true status of my accounts. 

On my credit report, I noticed a report of a late payment fee on my XXXX XXXX XXXX account, dated XX/XX/year>, which was 60 days past due. Additionally, the account was closed as a result. I believe this information is inaccurate, as the late payment and closure were due to a misunderstanding and not representative of my usual payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX EXPERIAN XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX  XX/XX/XXXX have all 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

The complaints are : 1 ) Champion Mortgage did not properly use the funds provided by the state of California for property taxes in XXXX. Since then the monthly statements indicated the account has always been in good standing. Additionally, the mortgage company representatives have also stated the account was in good standing whenever phone calls were made ( all phone calls are recorded by the mortgage company ), However, in XX/XX/XXXX Champion Mortgage sent information stating some property taxes are outstanding and demanded that I pay them or face foreclosure. There are also late fees associated because Champion failed to properly use the funds provided by the state of California to them. I believe these practices by Champion Mortgage are beyond improper and may not be in lawful compliance. The mortgage company has not responded to the complaints. 
( I am including documents which may be helpful for the compliant review. I also have all statements, if you request ).

2 ) Champion Mortgage used " set aside '' property tax funds provided by the state of California to purchase a home insurance policy in XXXX but after the homeowners insurance verification was provided. The mortgage company sent a letter saying it would refund the money used, but the " set aside '' funds used have not been properly returned. Champion Mortgage has not responded to my complaints. 

3 ) Champion Mortgage has not honored my need for them to comply with the American Disabilities Act for my XXXX, which was made known to them on multiple occasions. 

In summary, Champion Mortgage has not only failed to provide accurate and true monthly statement information about the account but engaged in deceitful practices to both me and the state of California. The mortgage representative who noted my last complaint through a phone call is named Ms. XXXX. Several follow up calls placed but the phone operator who answers the calls would not transfer the call to the representative extension number until the account number was first provided, then she ( the operator ) would place the call hold and return to say that Ms. XXXX was not at work today ... at least 3 follow up calls were placed with a message to return my calls. I also asked if any other representative can check the status of my complaints and requests and was told only Ms. XXXX would know. The current fees associated with the complaint are approximately {$15000.00} and continue to increase monthly due to the mishandling by Champion Mortgage. This is also caused unnecessary health problems.
Product: Checking or savings account

XX/XX/2020 went to the bank to used the atm card.My card got stuck the screen went black looked at my statement there was a XXXX unauthorized withdrawal
Product: Credit card

Please correct the error in my account by removing the erroneous late payment record. I have consistently maintained timely payments and have never failed to fulfill my obligations. This inconsistency is significantly impacting my peace of mind and disrupting my sleep patterns. I urgently implore you to address this issue promptly and ensure the accuracy of my account
Product: Debt collection

I am writing to dispute the following information that appears on my XXXX report from XX/XX/year> : Collection account from XXXX XXXX XXXX with account # and a balance of {$XXXX}. 
The original creditor is XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof of the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Product: Credit reporting or other personal consumer reports

FCRA 605B, I think, requires the removal of any incorrect accounts from my credit report. Can you check the documents? Some of the listed accounts inaccurately report amounts and dates.
Product: Money transfer, virtual currency, or money service

Transaction not going to try to get refunded back having trouble getting talking to someone to try and solve problems and solutions but no help and lost of issues and money transaction
Product: Credit card or prepaid card

Our XX/XX/XXXX Statement from Citibank Did NOT Show a Payment of {$1100.00} to Pay Off Our Previous Months Balance in Full. We Contacted Our Bank ( XXXX XXXX ) and Asked them to Fax PROOF of The Payment to Citibank on XX/XX/XXXX, and Mail Us a Copy of The Front and Back of The Check as a Hard Copy. The Check Showed Our Bank Paid {$1100.00} on XX/XX/XXXX, and Citibank Endorsed The Check on XX/XX/XXXX. I Have This Documentation. I Mailed The Hard Copy of Payment to Citibank on XX/XX/XXXX, to : Citibank, XXXX. XXXX XXXX , XXXX XXXX, Mo. XXXX Today, XX/XX/XXXX - Citibank is Still Telling Me They Show No Receipt of This Payment, My Banks Fax, or My Submission of The Hard Copy of The Payment/Endorsement. To Make Matters Worse, Citibank Has Sent Me a Refund of {$970.00} with No Explanation of What Happened to My Original Payment or Why There is a Difference Between the Two Amounts. They Obviously GOT MY PAYMENT, or I Would n't Have Got a Refund. I Have CLOSED My Account With Citibank, as I Have Spent HOURS of My Time, Trying to Get an Explanation From Citibank, and Have Them Acknowledge My ORIGINAL Payment. I am Now Sending Another Payment by Certified Mail/Return Receipt to Protect my Credit Rating. Can You Get an Explanation For Me?
Product: Debt collection

In the summer of XXXX I attempted to sign up with XXXX  XXXX when they had a {$1.00} promotion but I did not follow through because I did not have enough documentation to complete the process. I then started receiving collection notices from Aldous & Associates PLLC for a {$130.00} balance due from XXXX  XXXX   under my name and another collection with a balance of {$87.00} under the name XXXX XXXX who I do not know. I do not agree with any of these collections because neither belong to me. On XX/XX/XXXX I sent a debt validation letter to Aldous & Associates PLLC requesting : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest and other charges ; and For all other charges, the date of and basis for each charge. Which they failed to respond to. On XX/XX/XXXX I sent a second letter to Aldous & Associates PLLC informing them of their failure to validate the debt. They then responded with a letter stating they contacted the original creditor and they verified the debt. They mentioned sending me a valid copy of the original agreement which I did not receive. And also mentioned that my additional dispute information is not valid. ( all docs attached )
Product: Student loan

Payments to EdFinancial on XX/XX/XXXX and XX/XX/XXXX were incorrectly allocated across only two of my loans instead of all four, resulting in them telling me I am " past due '' on payments even though I made the payments in full. I called and spoke to customer service about this in XX/XX/XXXX ( did not record date ), on XXXX XXXX XXXX XXXX XXXX XXXX and on XX/XX/XXXX ( spoke to XXXX ). They say they will submit my requests to financing to have the payments correctly allocated, but they can not give me an ETA of when that will be done ( although the company continues to incorrectly accuse me of being past due ). I also mailed a letter regarding this on XX/XX/XXXX. As of today XX/XX/XXXX, the loans are still not allocated correctly, my account is showing as being past due, and they continue to send me letters stating my account is past due.

Also, upon checking my account on XX/XX/XXXX, my payment on XX/XX/XXXX is showing as {$240.00}, despite my full payment of {$470.00} being debited from my bank account. It appears someone manually changed my payment amount.
Product: Payday loan, title loan, personal loan, or advance loan

Scratch sets up a XXXX loan payment with a XXXX % interest period. Fine print - XXXX % interest IF paid in full within XXXX  months. 

However, you pay interest for the entire duration. When you finish paying off the loan principal, which would be at {$0.00}, the interest collected during that period is applied to the principal. 

Applying collected interest to a {$0.00} principal would be negative- which amounts to essentially theft of their interest rate they've been charging for XXXX Months. 

It's theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry made on all XXXX of my credit reports from XXXX on XX/XX/2022. I did not give this business permission to pull my credit and believe someone tried to open an account in my name. The credit bureau told me to file a fraud report with the FTC in order for them to remove it from my credit report since it decreased my XXXX XXXX.
Product: Debt collection

Received an attempt to contact me by a representative at Transworld Systems collection agency on XX/XX/2022. They did not leave a voicemail, so I called back to investigate. This phone call was an attempt to collect a debt that is not owed, no prior knowledge of the debt or the company that issued a request to collect a debt. 

They used an old address of mine to verify who I was. 

Details of the debt from the phone call : XXXX company requesting around {$69.00} debt collection from a bounced check. 

I told Transworld systems that this is a fraudulent check, I never use checks to pay for anything and I don't do any sort of gambling. 

I contacted transworld systems a second time to confirm some details and the last name they had on file for me is incorrect. They then removed my phone number from their contact list.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof for the creditor bank account that I didnt pay and was marked late because this is clearly a billing error.
Product: Credit card or prepaid card

Someone keeps opening cash app cards in my name and sending to a relatives address.
Product: Checking or savings account

I already went through all of this and that was checking on the status of the complaint it says you closed the complaint what does that mean you please explain why it says it in there
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and removal of fraudulent accounts and unauthorized inquiries from my credit report. I am a victim of identity theft due to a data breach, and the information listed below was reported without my authorization. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ), I request that these items be blocked and permanently deleted from my credit file. 
Fraudulent Accounts 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 XXXXXX/XX/XXXX
Product: Debt collection

DIVERSIFIED CONSULTANTS INC reported to my credit report XXXX XXXX XXXX. After purchasing the debt ( {$1200.00} ) from a collection agency ( XXXX XXXX XXXX ) who was not authorized to report on my credit due to having invalid information. I was never notified to the debt being sold or my right to dispute. I understand I am supposed to have 5 days but I was given none. The original debt was from XXXX in XXXX with the amount of {$540.00} being owed. None of the information Diversified Consultants inc is reporting is accurate, along with the fact that I was never notified.
Product: Checking or savings account

I kept denying to get my frist personal loan and I'm new to credit score and I have a payment in like 3 more days left from today ... why can't I get one? I have bad credits or good credits I just started I should be able to get a chance so that I can fix my credits
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX Account XXXX In accordance with the fair credit reporting act, XXXX XXXX Account # XXXX, has violated my rights.

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

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

15 USC 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX-Account Number : XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Remove Account form my credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove a Fraudulent Credit Card Account from my credit report since I discovered it in XXXX of 2018. It was used without my knowledge or authorization I filed a police report as well as an identity theft report with the FTC. I have provided both these documents to the credit bureau and to Chase despite my following through with all the guidelines set forth by the FCRA Chase has continued to report this account incorrectly on my credit report. It is illegal to continue reporting an identity theft account to the bureaus as standard account. Chase refuses to accept my police reports and FTC information and continues to illegally report the account. 
This card did not show up on my original credit report so I did not know it was being accessed. When chase first contacted me I thought they were contacting me about another card. Their representative literally tried to trick me into accepting responsibility for the account that was not mine. Then called me a liar, and tried to manipulate me into saying things that were not true. I am not responsible for the charges on this account and Chase refuses to admit that. As a result, i have suffered significant financial losses, from higher interest rates, failure to qualify for loans, and a multitude of other things all because a representative at chase decided she wanted to manipulate what I was saying to make up a story that was not true. It was highly unethical, a business should never call their customer and try to manipulate them into saying something so the bank is in a better position to sue them. I am not responsible for this debt so chase has collections officers call over and over and ask different questions trying to manipulate me into saying something they think makes me responsible for the debt. 
Despite what stories they want to make up I am not responsible for these charges. I would really like them to stop reporting inaccurate information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had noticed that a previous bankruptcy was reported to the bureaus without my consent nor permission. This has violated my right to privacy. I mailed a letter to LexisNexis to advise them of this and I have not yet heard back. The bankruptcy was a discharged in 2019. This has prevented me from being able to use my credit for anything.
Product: Mortgage

There is a foreclosure sale on the calendar for tomorrow, as I was just notified that the sale is still on by the Rep at Well Fargo. 

Here are the facts : 1 ) Listed my house For Sale on XX/XX/2019 with XXXX XXXX ; 2 ) I submitted a Mortgage Assistance Application for a short sale on XX/XX/2019 by the Realtor, XXXX XXXX ; 3 ) In early XXXX, I was told that a foreclosure sale date had just been obtained by counsel but was advised that it would be canceled due to Dual Tracking as we were actively working with Loss Mitigation at Wells Fargo for the short sale ; 4 ) Apparently, Wells Fargo failed to acknowledge the Dual Tracking situation and kept proceeding with the foreclosure sale ; 5 )  XXXX XXXX was negotiating with XXXX XXXX from Wells Fargo about the short sale and had requested for a counter offer 2 weeks ago and while I was reviewing the correspondence sent by Wells Fargo for a counter-offer, I received a USPS forwarded letter that was originally sent to my former DC apartment that the foreclosure sale was still on the calendar for XX/XX/2019 ; 6 ) At this point, I contacted both Wells Fargo 's Loss Mit and Foreclosure Attorney and was advised that the sale was active - even though they confirmed all the items above. 

I was under the impression that Wells Fargo would comply with these rules and regulations set forth by the CFPB and that consumers would be protected by banks & lenders pushing to improperly foreclosure when these simple steps have been followed. This sale needs to be canceled for Dual Tracking. 

Please contact me for additional questions or comments.
Product: Debt collection

Theyve been calling me for months trying to collect on a bank account that was closed in XXXX. When I closed the account the balance was XXXX. Theyre claiming its almost {$1000.00}. When I explained this to the caller he started getting irate and then started shouting my entire social security number through the phone. So I hung up on him.
Product: Credit reporting or other personal consumer reports

This CFPB Complaint has been filed to request pursuant to FCRA 605B ( 15USC 1681 C-2 ) that you, the Equifax Credit Reporting Agency , block information appearing on my Consumer Credit Report that is the result of Identity Theft and Fraud within 4 Business Days of you receiving this Complaint. This fraudulent, inaccurate and false information consist of 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. These accounts and fraudulent names have resulted in fraudulent collections and fraudulent hard inquiries appearing on my Consumer Fico Credit Report. I do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquiries appearing on my Consumer Credit Report maintained by you were not opened, made or initiated by me. The aforementioned accounts, collections and hard inquiries are the result of Identity Theft and Fraud. I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that the aforementioned Consumer Credit accounts, collections and hard inquiries are the result of Identity Theft and Fraud.
Product: Debt collection

This was for a online class at XXXX XXXX University. I was unable to complete the class and with drew from same, The teacher I emailed with said dont worry about it, he will take care of it. Years later he no longer works there and the school refuses to honor it. All attempts to clear this up with the school and debt collector failed and they didnt care, just want the money. 

Well I noticed that i appeared on my credit bureau and in XX/XX/XXXX, so i disputed it. The credit bureau XXXX XXXX  removed it on XX/XX/XXXX. Well it happen to appear again. I have had no notification from Penn Credit that they were gon na be putting it back on my bureau, whihc as you know is a violation of the FCRA. On the XXXX report it was also removed but again reappeared.