23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX shared a false claim to Trans Union, XXXX and XXXX XXXX XXXX companies that there was a late payment of {$790.00}, when in fact they XXXX, made a mistake in there portal resulting in {$1.00} being received 29 days after being due. There were no late fees added to my account. Theses credit services then violated the Fair credit reporting Act by reporting my credit information without my permission. I have not authorized them to collect, maintain, or report my credit information, and I requested they remove my credit from their database.
Product: Debt collection

This company has call me multiple times saying I owe a debt from them. I have no knowledge of the debt they refer to. They have made threats by sending a picture of the street I live on and contacted my family and friends. I have taken to someone name XXXX and he was rude and nasty over the phone when I told him I wasn't aware of the debt. I would like for this to cease before I take legal action especially after sending me pictures of my street address and tracking my location from our phone call. Remove me from you're system immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 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

My accounts with XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX were 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 fo
r 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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: Vehicle loan or lease

They Repo XXXX cars and I was denied credit everywhere for over 9 years, I couldn't even get a place to live in my name because of this situation, not including the trauma and embarrassment that I had to face in the 9 years, and until this day I'm still paying high interest rates for Cars and still couldn't Be able to get an apartment under my name, I got into XXXX and was feeling ashamed of what it has caused me in this life, I can't recall the exact date but this happened between the year XXXX and XXXX, Also there was a moment in my life that I thought of not being able to breath and causing me to go into major humiliation, I'm still leaving in an apartment under someone else name because I wasn't able to do so in my name.
Product: Checking or savings account

On XX/XX/XXXX I added XXXX XXXX as a new payee to my automatic bill pay on my TD checking account. I schedule monthly payments of {$2800.00} to pay my mortgage to XXXX XXXX. On XX/XX/XXXX TD Bank paid XXXX XXXX XXXX {$2800.00} which I saw on my mobile app. I called TD to report the error. I was told by TD customer service that XXXX XXXX  was not a payee in my bill pay which I confirmed on my mobile app. I spent an hour on the phone which ended in TD Bank saying there is nothing they could do to retrieve my money. I was instructed to call XXXX & XXXX. On XX/XX/XXXX XXXX XXXX XXXX confirmed I have a {$2800.00} credit on my account but said they can not return my money. They instructed me to call TD Bank. On XX/XX/XXXX TD Bank said there was no system error on their part. And they said customer service was wrong during our phone call on XX/XX/XXXX. I was told that XXXX XXXX is a payee in my bill pay and has been since XX/XX/XXXX. And they repeated that no error occurred. This part concerns me most because it appears to be a lie. XXXX is STILL NOT showing as a payee on my account. I have screen shots to prove that XXXX XXXX is still not there as of XXXX XX/XX/XXXX. I think there was definitely a system error on TDs part and now they are lying about what they have discovered in order to cover up the problem. In the meantime, I still need the {$2800.00} that XXXX XXXX XXXX has refused to return in order to pay mortgage.
Product: Credit card or prepaid card

I applied for and received XXXX XXXX XXXX XXXX from American Express with a current promotion of XXXX miles if I charged {$2000.00} in the first 3 months. Upon receiving the card, I did not see any mention of the offer, so i called the number on the back of my card, representative from American express informed me that the offer was denied as i had this card in past. I checked my credit report and never had this card, so i opened a case with american express and today when i checked, i was told that when you applied, there was a pop up that said you will not get the bonus miles offer, but i never received any such pop up. this is truly misleading and mischievous. Now they would not let me talk to a supervisor. I saw that promotion on XXXX airline website and decided to apply to get those miles. Now American Express says, they are not willing to do anything for me. case # XXXX that i opened with them is now closed with no resolution. the website never informed me that i will not get the XXXX promotion., otherwise i would have not applied for the card.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, Transunion, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. and North Carolina Child Support Agency are financial institutions by definition under that title. 15 USC1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX, XXXX, and Transunion have failed to uphold this consumer protection law on my behalf as a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and North Carolina Child Support Agency are financial institutions and the Consumer reporting agencies XXXX, Transunion, and XXXX XXXX not have my consent to furnish this information and they surely did/do not have my written consent. Any and all consent to XXXX, Transunion, and XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' No explanation was ever given to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. and North Carolina Child Support Agency never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681 ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' These accounts ( and several of the inquiries ) are adverse items they are reporting again without my permission which is against the law. 15 U.S. Code 16812 ( A ) ( 1 ) A states " 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. They have adequate reason and cause to believe that the information they are reporting is inaccurate because I have written and disputed their reports on several occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$280.00} XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
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 XXXX XXXX XXXX. 


Account name : XXXX Account XXXX Account name : XXXX  Account 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: Checking or savings account

On XX/XX/2021 I deposited a check issued from tax products group and a XXXX business day hold was placed on it. Fair enough. On XX/XX/2021, the check cleared and was available in my discover account finally. Attempted to wire transfer to my XXXX XXXX account XXXX dollars because I owed that much in bills so I was aiming to use that bit for bills. When attempting, I received an email from discover stating there was a freeze on my account and to contact them immediately. I called and they stated that due to a business decision they were closing my account. I asked them about my funds and they said they would not release any funds until a 90 day investigation which is insane. I even stated to them that they violated their on deposit agreement. Nothing in the deposit agreement stated holding funds from a closed account what so ever. So I called and called and finally got a hold of somebody who said the only thing that I could have done was to get in touch with the check issuer and ask them to recall the funds. Well the day after I spoke with discover I called the tax groups number and they said being that the check had been cleared and the deposit was successful that discover took the money already ( not to mention XXXX of the funds were sent to my XXXX XXXX  the day AFTER account closure. I read over and over the deposit agreement and it simply stated that funds would be released to the account holder at the time of closing. I filed a complaint with their executive ioffice and got no aswer. This isnt right I didnt do anything but attempt to do things that my account was allowed to do which is initiate a wire transfer. Ive talked to them about a transfer of my funds to my XXXX XXXX but said no. Ive tried and tried and seems like they dont plan on being fair with me. I struggle on a day to day basis with everything I owe and other things like say care with I work XXXX hours a week just to put food in the table.
Product: Debt collection

There appears to be a collection account from XXXX XXXX XXXX with the original Creditor being XXXX XXXX XXXX in the amount of XXXX. I have no knowledge whatsoever on this collection account, and was never seen by any physician of XXXX XXXX XXXX. When asked to be provided with proof that this debt belongs to me, I was sent a list of services provided, none of which was performed on me. Also, I do not have any kind of contract with XXXX XXXX XXXX, allowing them to collect such debt. I need this collection account removed from all 3 credit reporting agencies immediately!
Product: Debt collection

On XX/XX/2020 I received a call from XXXX, they did not leave a voicemail. 
On XX/XX/2020 I received a call from XXXX, they left a voicemail at XXXX looking for a someone that I do not know. 
On XX/XX/2020 at XXXX I called the individual back and told them I do not know who this person is. They didn't ask me any other information, nor do I know what the debt was for. I then blocked the caller. 
On XX/XX/2020 at XXXX I received a notification from my phone that the caller from XXXX attempted to call me again.
Product: Credit card or prepaid card

I ordered an XXXX  on promotion with XXXX that had not been released, but was to be released soon ( and on a special promotion, buy one get one free ). I purchased one in store and paid cash on XX/XX/XXXX, and provided my credit card for the " free '' one, once it was available. The total charges were to include taxes, fees, and the amount over what was given for free in the promotion, for a total future charge of {$450.00}. In XXXX the phone was sent, but never reached me. It was traced and confirmed never received. I called in XXXX to inquire, and another device was sent on XXXX XXXX. This phone was received and I was billed {$450.00}. on my credit card. I was charged again XX/XX/XXXX another {$450.00}, which I disputed. I was charged again, and again and keep disputing. The bogus charge has been showing up and has never been removed from my credit card. I called the merchant XXXX and they issued a credit on XX/XX/XXXX. My credit card has not been usable for three months because it is showing over the balance of XXXX, even though I have made less than XXXX in charges in the last three months, and paid it off completely in XXXX. My payments don't post timely either, taking as much as 15 business days to post, even though I am making ACH draft payments from the same bank account I've made payments from for over a year. 
My credit is being ruined at a pivital time ( I am applying for mortgages ), because my balance reflects over the credit limit, when it is in fact less than 50 % of my credit limit. Please help. 20 hours of phone calls is not getting me anywhere.

I have had this card for over 17 years. At least 10 years of on-time payments, and this bank treats me like I am a terrible credit risk ( XXXX ). There has never been anyone in those 17 years that have suggested other banking products, except one. This past summer ( XXXX ) for the first time I was visiting a branch new to me and the manager suggested I apply for additional products. She was XXXX. First and last time courtesy had been extended to me.
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that aren't reporting correctly. 

These following laws prove that these accounts have to be removed : - 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. 

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Checking or savings account

We are continuing the previous case ( CFPB XXXX No : XXXX Ref : XXXX ) because the irresponsible and unprofessional response from XXXX XXXX from Customer Advocate Services Team of American Express XXXX 

After we provided the evidence from our payer 's bank, it's so ridiculous to see " There is a {$100.00} credit on XX/XX/XXXX '' as another explanation here. DOESN'T XXXX XXXX KNOW COMPANIES ' SELL SAME PRODUCTS WITH SAME PRICE? OR AMERICAN EXPRESS NEVER TOOK/PROCESSED DEPOSIT WITH SAME AMOUNT? 

We provide products/service to our patients, it's VERY NORMAL to be paid with SAME AMOUNT of check from time to time and even at the same date. And the amount of {$100.00} has been paid multiply times since we opened an account with Kabbage. 

As attached, please find three photos to support our claim for the deposit of {$100.00} paid us ON 12/2/2021 that has NOT been credited to our account due to your banking malfunction.

Photo 1. Check paid {$100.00} on XXXX XXXX, XXXX, which is the one credited on XXXX XXXX. 

Photo 2. A DIFFERENT CHECK paid {$100.00} on XXXX XXXX, XXXX but has not been credited to our account yet. This check number is XXXX and IS THE ONLY ONE we have been contacting with Kabbage. 

Photo 3. The proof shows that the payer has never received {$100.00} but Kabbage claimed that this check with # XXXX has been returned to payer 's account on XX/XX/XXXX after " Mobile Deposit Reversal '' from our Kabbagge account. 
This evidence also shows that Kabbage cashed {$100.00} on XX/XX/XXXX from payer 's account. 

So, who stole the {$100.00}???????????? 

Hope Kabbage/American Express can get someone who is capable to understand and straight this out. Otherwise, we will continue the complain.
Product: Debt collection

Company popped up on my credit report without any communication to me and I dont even know who they are no notice I havent received anything to my home which I have been here 15 years or more I tried to dispute it on my XXXX they said I have nothing in collections but the company is there
Product: Credit card or prepaid card

On XX/XX/2023, I filed a complaint against XXXX XXXX, for not giving me the refund of {$440.00} as promised. This was on my Citi Rewards Credit Card. The Disputes Department failed to send me the letter for additional information and, subsequently, closed the dispute out on XX/XX/XXXX in XXXX 's favor and put the charges back on my card. 
I called CitiBank, who said the notices were sent electronically under my account. I explained I wasn't aware of this and the dispute was reopened. 
I sent supporting documentation ( attached here for your review ). CitiBank has once again failed to give me a conditional credit and again closed the dispute. According to a representative I spoke to, the notices on my account were generated automatically but the dispute had not been closed out and my response has been sent to XXXX XXXX, who has 45 days to respond. I was advised the conditional credit would be put on again, but this has not been done and payments are still being taken out.
Product: Money transfer, virtual currency, or money service

I received four Virtual Cards from American Express Rewards for answering surveys and playing games on XXXX XXXX. The amounts were four cards at {$5.00} each, so {$20.00} total. I have not been able to use these cards anywhere. I have tried major stores, XXXX, XXXX, and gas stations, food places and also XXXX XXXX. I have tried vending machines to, and used the card where my regular banking card works, but these virtual cards just will not work, and I get a notice saying, something like, invalid card. I have talked to American Express and they say to use this card at another fast food place, which I tried and they still don't work. I call them back just to be put on hold for hours. I also told XXXX XXXX about this and they just refer me back to calling American Express XXXX Rewards XXXX which I have already called several times. I got these cards in XXXX of XXXX and they expire at the end of this month, XX/XX/XXXX, as the date on the cards are good for 6 months, but the cards are not even good for one  day! I've asked American Express for my money given to me in another form and I have asked XXXX XXXX  that to, only to be put on hold and then a rep doesn't get back on the line.
Product: Payday loan, title loan, or personal loan

I have been contacted repeatly for 2 months three times a day by speedy cash. they call using a call spoofer with the name XXXX XXXX. I have told them on several occasions that I never took out a loan with their company and for the to stop calling. I sent a cease and desist contact letter on the XXXX of XXXX 2017.
Product: Mortgage

I have received instructions from Nationstar that I have to place a property into XXXX so that it can go to auction. We already have a purchase contract on the property and have submitted it for review of a short sale to Nationstar. How does adding time to the short sale review process by placing the property in auction benefit the consumer. It potentially could make the current buyer walk and we are then at risk of not getting any other offers. Now the seller has suffered as he has no buyer.