23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I purchased several XXXX XXXX for an upcoming private XXXX  event by XXXX XXXX on XXXX. In the stream from XXXX XXXX, I was told to give them my account name and order number and they would hold said XXXX  for the event. I gave them this information as soon as I had the opportunity after buying the XXXX, as well as additional payment for the upcoming signing through the mail in order option. I did use their installments options through shop/affirm, because it would be too costly otherwise. However I paid those off ASAP and they should still have the orders on file. This was also on XX/XX/XXXX immediately after I bought the figures. The instructions were not clear, and I admit that it is possible I misunderstood what was needed. However, even if that were the case I would have expected any kind of communication from them if I had made an error. I did not receive any emails from them in regards to any mistakes, after I had made the signing payments, so I assumed things were proceeding as planned. To my surprise and confusion, on XX/XX/XXXX I received several emails from XXXX saying that the XXXX XXXX I had ordered through XXXX XXXX XXXX XXXX were to be shipped out to me. They had said in the email on XX/XX/XXXX that they were going to send out thank you cards in place of the XXXX  I had asked to be held. 

Part of me figured that might be the case, but unsure I emailed them again, literally thirty minutes after I had gotten the email after the items were to be shipped, concerned about the payments I had made for the pre order signing. I received no response from them about the status of these shipments. Nothing at all. I contacted them once again after I had gotten the items on XX/XX/XXXX stating that I was grateful I got the items but disappointed they were not held for the signing like I had asked them to. I told them I would be disputing these charges as I had been misled and what was agreed upon was not promised. I graciously gave them a few days to respond to me, which was not done, where I then emailed them the final time on XX/XX/XXXX in a very understandably upset email. I was promised something, paid for it in full, and was completely ignored when I attempted to reach out for any issues or discrepancies, and even silenced when I attempted to share my experience with them in their comments to warn people. I am XXXX  XXXX and do not have the ability to send these items back to them for shipping for the signing, which is an absurd thing to do when they were asked to be held in the first place for me. Please do not buy anything from this company ; they are disingenuous at best and maliciously incompetent at worst. I am currently fighting these charges, and am hoping to get back any of the exorbitant amount I paid for this pre order signing and another one I made earlier thinking they are legit, because I do not think this company is competent enough to even do that correctly.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  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 in 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. 

XXXX 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: Credit card or prepaid card

My husband and I have been customers of American Express for a decade or so. After making on-time payments for years, in the late summer/early fall of XXXX, I shorted a payment by {$15.00} on accident. Seeing the error I quickly made the payment so the account would not reflect as past due. Little did I know that {$15.00} missed payment would trigger penalty based pricing and nearly double our interest rate. 

My husband ( XXXX ) contact American Express on approximately XX/XX/XXXX for a separate matter and was advised that our interest rate was an incredibly high 29.24 %. We were shocked to find out that our rate went from a variable rate of 17.24 % to 29.24 % because of a {$15.00} discrepancy in payment in XXXX. Looking back through statements, I finally found the notice indicating the increase in rate, but it was in small print and not easily located. When my husband inquired of the American Express representative on how we could return to our regular contract rate, the representative was quick to offer to have it changed back for the next statement cycle and advised him that if we had called earlier, they would have taken it off at our request. 

The fact that American Express has no guidelines on when a customer 's penalty pricing will be removed is unfair and disparate treatment. All of their customers are not being treated consistently. Most credit card companies I know will return a customer to regular pricing after six months of consecutive on time full monthly payments, but penalty pricing would have continued indefinitely had we not contacted American Express regarding a completely different issue. How can a credit card company get away with such treatment of their customers? We are not wealthy by any means and the increased APR caused our payment to go up nearly {$120.00} per month. {$120.00} during the covid pandemic that could have put food on the table for our children, helped provide for tutoring for our struggling XXXX  aged XXXX learning virtually, or allowed for us to live with some peace of mind.
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 XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Kindly eliminate these queries. I lack any relevant information on this matter, and the company proceeded without my approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am sending presenting this complaint on my own behalf, as a natural person, consumer, and without any connection to a third party. 


There are late payments inaccurately reporting on my credit report and file. It is your grave responsibility to be reporting correct and accurate information on my credit report and file. 


These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes late payments- resulting in XXXX violating my federally protected consumer rights. Additionally, I did NOT give XXXX written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). 


The inaccurate reporting of these late payments has caused me and my reputation severe harm and discrimination. Please correct your records and have ALL of these inaccurately reporting late payments changed to the correct status of PAID AS AGREED immediately. 

I was the victim of a scam and I'm still having trouble because of that.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified XXXX accounts that are reporting as separate but appear to be the same debt. Furthermore, these accounts are past the legal statute of limitations for debt collection in Texas, which is XXXX ( XXXX ) years as outlined in Texas Civil Practice & Remedies Code 16.004. The details are as follows : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On or about XX/XX/XXXX, I opened a checking and savings account at Citibank after seeing an incentive to open a new Citi Priority checking account and deposit {$50000.00} in new money. 

On XX/XX/XXXX, I transferred {$50000.00} from an external account into my newly opened checking account. I also requested to link all my accounts ( new and existing Savings ) so I can qualify for no monthly fees because my combined balance exceeded {$50000.00}. 

The terms of the promotion stated if the new money remained at Citi for 60 days in an eligible account, then Citi would pay me {$700.00} within 90 days following the 60-day mark. 

I was an existing client but only had an accelerated savings account, so I was eligible for the new checking/saving account promotion. 

On XX/XX/XXXX, I contacted Citi customer support and inquired if I could transfer my new money into my existing savings account now that it was linked. The representative told me it was okay but advised to leave {$50.00} in the new account, so they do not automatically close due to a low balance. So, I transferred the new money into my existing savings and left {$50.00} in the new account. 

In XX/XX/XXXX, I received a monthly fee and was deducted {$30.00} from my checking account. The bank did reimburse me and reassured me that my accounts were going to be linked correctly going forward. So, I assumed I would not have to pay fees again unless I lowered my balance below {$50000.00}. I also inquired about the {$700.00} promotion and was told it will be paid within 90 days of the XXXX day of depositing the new money. I expressed my concern that we were near the end of the 90-day period and the deposit has not been made. I was told to be patient. 

On or about XX/XX/XXXX, I reviewed my account and saw another $ 30 monthly fee from my checking account. I was told to call back once the fee was fully assessed against my account. I also inquired about the new account promotion and was told the 90-day period has not been fully met. 

My concern is the Citibank website has updated the terms and conditions of the new account promotion, effective XX/XX/XXXX. So, now I no longer have written proof to show them I was eligible at the time I opened my accounts. I also escalated my concern to a personal banker who submitted a complaint on my behalf. The result of my complaint was that it was denied because my funds were deposited in an eligible account despite being misled by a customer service representative.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or XXXX  verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance.
Product: Mortgage

I am the representative assigned for the XXXX XXXX  XXXX XXXX. She purchased a condo on XX/XX/XXXX. She died XX/XX/XXXX without funds in the estate. 

Her mortgage was originally with XXXX XXXX. It was foreclosed on and sold at a XXXXXXXX XXXX  sale XX/XX/XXXX to XXXX XXXX XXXX. 

Some months after the foreclosure and sheriff sale, I started receiving calls and emails from Selene Finance concerning the property that had already been foreclosed on by XXXX XXXX. 

I informed them on several occasions that XXXX XXXX had already foreclosed and the property had been sold at the sheriff sale. I told this to more than XXXX person in more than XXXX department. 

I continued to receive notice of monies charged to the account ; taxes, insurance, attorney fees, inspection fees, etc. They could not possibly have inspected as the property had been sold months prior. 

I referred them to XXXX XXXX and their attorneys who had done the foreclosure and to the public records where the deeds were recorded. 

On XX/XX/XXXX, Selene Finance sold the property they didn't have a right to at a trustee 's sale to XXXX XXXX XXXX and XXXX XXXX XXXX. This was done on their behalf by attorneys XXXX XXXX XXXX and XXXX XXXX of the XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agency indicate my dispute of information in my credit report. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. I believe it was reporting in error, please fix this account as soon as possible. 
XXXX XXXX Balance : {$1100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was XXXX  my identity was stolen and abused. This account do not belong to me and I'm asking that it be blocked immediately from my credit file. The account in this instant matter is, XXXX XXXX XXXX {$790.00}
Product: Vehicle loan or lease

Never received any bill for XXXX or XX/XX/2019 company has zero website zero mobile app they had my info mixed with other company was also notified of intent to restructure as vessel was only acquired under the assumption it would be converted to auto transmission Also advised it would be listed as auto loan it is improperly reflecting as a secured personal loan they have ignored all requests for restructuring and dismiss all attempts for two years to correct to ensure i have the right unit they have shown zero care Also unit has multiple recalls
Product: Debt collection

I rented an apartment at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, indiana XXXX from XXXX XXXX. They agreed to let my ex wife continue my lease when I moved out XX/XX/2021. My ex wife and son moved in the next day. I paid a {$620.00} deposit and they are suing me for {$460.00} because they said I broke the lease. I had a verbal agreement with them. National credit systems now has this on my credit report. My ex wife can verify the dates. I do not owe this money.
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Was notified by the credit bureaus that there was a medical collection on my accounts which posted XX/XX/XXXX. I sent a letter to the collection agency for validation and they sent back a bogus letter saying it was a hospital bill from XXXX. I have not been to the hospital at all. The credit bureaus sent back letters saying it was validated. How can you validate something in less than one week after the postage date of me sending letters. This situation has caused me nothing but stress and anxiety.
Product: Vehicle loan or lease

I switched payment schedule from mail to direct deposit and the company has me 30 days late which is incorrect.
Product: Credit reporting or other personal consumer reports

Per the Family and Privacy Act of 1974, my privacy was violated per 34 CFR99 which states Directory information includes, but is not limited to, the student 's name ; address ; telephone listing ; electronic mail address ; photograph ; date and place of birth ; major field of study ; grade level ; enrollment status ( e.g., undergraduate or graduate, full-time or part-time ) ; dates of attendance ; participation in officially recognized activities and sports ; weight and height of members of athletic teams ; degrees, honors, and awards received ; and the most recent educational agency or institution attended.

( b ) Directory information does not include a student 's ( 1 ) Social security number; or ( 2 ) Student identification ( ID ) number, except as provided in paragraph ( c ) of this definition. 

( c ) In accordance with paragraphs ( a ) and ( b ) of this definition, directory information includes ( XXXX ) A student ID number, user ID, or other unique personal identifier used by a student for purposes of accessing or communicating in electronic systems, but only if the identifier can not be used to gain access to education records except when used in conjunction with one or more factors that authenticate the user 's identity, such as a personal identification number ( PIN ), password or other factor known or possessed only by the authorized user ; and ( 2 ) A student ID number or other unique personal identifier that is displayed on a student ID badge, but only if the identifier can not be used to gain access to education records except when used in conjunction with one or more factors that authenticate the user 's identity, such as a PIN, password, or other factor known or possessed only by the authorized user.

( Authority : 20 U.S.C. 1232g ( a ) ( 5 ) ( A ) ) Disciplinary action or proceeding means the investigation, adjudication, or imposition of sanctions by an educational agency or institution with respect to an infraction or violation of the internal rules of conduct applicable to students of the agency or institution.

Disclosure means to permit access to or the release, transfer, or other communication of personally identifiable information contained in education records by any means, including oral, written, or electronic means, to any party except the party identified as the party that provided or created the record. 
As a result my rights were violated when my information was given to the credit bureaus regarding my financial information.
Product: Money transfer, virtual currency, or money service

I attempted to rent a vacation home over the 2018  holiday season in XXXX XXXX California. The home was listed on XXXX and ended up being a scam. Unfortunately the police couldn't help and also let us know that this was becoming a problem. The person that I was dealing with had a legitimate bank account with Capital One Bank. I attempted to verify this person in one of Capital One 's Bank branches but they only have teller machines and no actual live bank representatives to verify anything. This individual had a bank account that was verified by Capital One Bank who enabled this person to not only use the bank for fraudulent activity which I would call wire fraud across state lines or possibly international. Capital One Bank declined to do investigate at all and rejected XXXX XXXX ( my bank 's ) request for return of funds based on fraud. See attached letter which included everything. Also, a police report is available as well. Capital One Bank takes no responsibility and is enabling this criminal behavior to persist. I have not way to talk to them and find a resolution. They refuse to acknowledge the problem and just direct me to their website which is designed to deflect any blame or ownership. The police are helpless as well and have no authority on this type of crime. People are using these banks to conduct fraud at a rapid rate and the banks are a party to the crime. we need help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

i HAVE BEEN REQUESTING THAT THE BUREAUS REMOVE NEGATIVE ITEMS THAT AREN'T REPORTING CORRECTLY SINCE XX/XX/XXXX i AM LISTING THE ISSUES BELOW XXXX XXXX - REPORTS THAT THE CREDIT LINE IS SUSPENDED ON XXXX AND EQUIFAX. XXXX REPORTS THAT I WAS LATE. i HAVE PAID ON TIME AND THEY WON'T SEND ME PAPERWORK PROVING OTHERWISE. XXXX HAS XXXX MARKED LATE IN XXXX OF XXXX AND SO DOES XXXX. EACH BUREAU HAS A DIFFERENT DATE LAST ACTIVE. EQUIFAX MARKED ME LATE XXXX OF XXXX AND THEY MARK THE DATE LAST ACTIVE AS XX/XX/XXXX. THIS SHOULD NOT BE ON MY REPORT. ANOTHER XXXX XXXX XXXX - XXXX MARKS ME LATE " 2 OR 3 TIMES '' WHICH IS AMBIGUOUS AND NOT ALLOWED TO BE REPORTED THAT WAY. THEY REFUSE TO INVESTIGATE OR CORRECT IT. XXXX HAS NEVER INVESTIGATED THIS ITEM. XXXX HAS NEVER INVESTIGATED THIS ITEM. EQUIFAX REPORTS THIS WITH CURRENT AND POSITIVE PAYMENTS AND IT'S CLOSED. THEY REPORT THE DATE LAST ACTIVE AS XX/XX/XXXX. XXXX XXXX XXXX HAS THE DATE LAST ACTIVE LISTED AS XX/XX/XXXX, XXXX REPORTS XX/XX/XXXX AND EQUIFAX REPORTS POSITIVE AND CURRENT PAYMENTS AND IT'S A CLOSE ACCOUNT. THIS IS INACCURATE AND SHOULD NOT BE ON MY REPORT. THE BUREAUS ARE REFUSING TO CORRECT AND REMOVE THIS INACCURATE INFORMATION.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under Fair Credit Reporting Act 15 U.S.C.1681 section 602, I have the right to privacy. Fair Credit Reporting Act 15 U.S.C. section 604a part 2, also states a consumer reporting agency can not furnish an account without my written instructions. Under Fair Credit Reporting Act 15 U.S.C.1666b, a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.