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

I applied for a Citi Bank Simplicity card and received it in the mail about 4 weeks ago. They had an advertised special of being able to make balance transfers with 21 months 0 % interest and a 3 % balance transfer fee good for 3 months that is good on my card until XX/XX/2023. When I received the card, I set my account up online. I had to go to Citibank.com to set it up and I did it successfully. I decided to do a balance transfer today. I could not log on. It said my password was incorrect but it wouldn't let me change my password, even with trying to put in the 16 digit account number. There were two phone numbers listed to call for help. Neither number was an operating number. The numbers are XXXX and XXXX. I called the number on the back of the card. I was on the phone with them for over an hour. They could not verify my account, not even my phone number. They tried to text me a verification code to m phone, but it would not come through on my phone. Even with the 16 digit card number and the security CVV code on the back, they couldn't verify my account. They kept saying I had set up a security code when I registered on-line and wanted that code, but I was not asked to set up a security code in the first place. Also, when I tried to sign in on-line, it says they are in XXXX. I talked to two women I could not understand. At the end of the almost one hour conversation, she wanted to send me a verification letter in the mail. I told her no, that I'm not waiting on a letter and that I think they are a scam company. I told her I want to close the account but she totally ignored me and kept saying they would send me a verification letter. I finally hung up. Now I'm really afraid this is a scam and I'm afraid charges are going to be put on this card that are not mine. The last woman I talked to was supposed to be in he technical support dept. That number is XXXX.
Product: Checking or savings account

Navy Federal close my account and not only that day was overcharging me with the overdraft fees
Product: Debt collection

Ive received a letter from PAM ( Professional Account management ) LLC which I do not have any account with never signed a contract with this company to do any business with them. Theyve reached out to me about an alleged debt this company should not have my contact information not my personal information such as my name, and address this is a violation of the FCRA, This collection agency shouldnt be contacting me as if I owe them anything this is violation of the FCRA. Respectfully requesting that you provide adequate validation of this debt you claim I owe, along with an agreement giving you the permission to collect a debt or disclosure with my signature giving you the right to collect a debt I allegedly owe, This account is under litigation ; according to FCRA section 605B it is illegal to report information on my credit report without my permission/consent. Please remove this item from my credit report as it is violation of the Fair Credit Reporting Act. However I was not sent a letter stating this information would be reporting to the credit agencies to be placed on my report which is another violation. The Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) both allow for statutory damages of up to {$1000.00} for violations. This means that a consumer or debtor can recover up to {$1000.00} in damages from a collection agency or credit bureau that violates the law ILLINOIS STATE TOLL HIGHWAY/ PAM LLC is violating the FCRA .
Product: Mortgage

I was notified by XXXX XXXX County Tax authority that my Homeowners taxes were past due in the end of XXXX. I immediately notified my bank ( Flagstar ) of the problem since funds for taxes were in Escrow and should have been paid by Flagstar. The bank informed me that they would research the problem and issue a payment to my tax authority within 10 days. After more than 10 days, a tax payment was issued and deducted from my escrow account on or about XX/XX/XXXX. That tax payment was rejected by the county since the funds were not sent in a certified manner as the county requires for delinquent taxes. On XX/XX/XXXX a second amount was deducted from my Escrow account by Flagstar in order to pay my taxes with certified funds as the county requires. This caused my escrow account to go negative. Within several days, the original amount that had been deducted was refunded to my escrow account. By XX/XX/XXXX, my county tax authority had still not received the second check of certified funds which were supposed to be overnight-ed on XX/XX/XXXX. I was provided a tracking number for the check from XXXX. This tracking number was created but never activated according to the XXXX  tracking service. On XX/XX/XXXX, I paid my homeowners ' taxes directly in order to prevent a tax certificate from being issued for my property. I provided proof of this payment in duplicate to Flagstar as they required. As of the time of this writing ( XX/XX/XXXX ), I have still not had the original amount of the taxes that I paid refunded to my Escrow Account ( more than {$3700.00} ) by Flagstar. This amount must be refunded before the bank will run a new escrow analysis and send me a check for the difference so that I can be made whole for the more than {$4000.00} ( Including late penalties ) that I paid out of pocket to satisfy my tax requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to dispute the following information on my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. The same Inquiry does not show on my Equifax Credit Report. As such, it is a very serious error in reporting. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681 ), there should be no charge for this report.

Your immediate attention to this matter is appreciated.

Sincerely,
Product: Checking or savings account

On Friday XX/XX/XXXX, at approximately XXXX XXXX XXXX, made a XXXX transaction to my bank account for {$500.00}. As per TD Bank 's Mobile App, the money was to be deposited in my account " within minutes '' as it always has been with XXXX since the very beginning. The whole purpose of XXXX is to receive and send money instantly. We have used this service several times and there was never an issue. On XX/XX/XXXX at approximately XXXX I spoke to XXXX a supervisor at TD Bank. There were numerous excuses given regarding their policy and XXXX 's policy. Point of the matter is this : TD Bank allows XXXX to tell customers " available within minutes '' when sending a transaction and once the transaction is processed, the customer receives an email advising the money won't be available for 3 days. " next business day ''. this is defrauding customers who use the XXXX service on TD bank mobile app. Furthermore, no one at TD bank could tell me where the money is located. The monies have been taken out the sender 's account and not put back nor deposited where it should be. Who gave authorization to XXXX or TD Bank to Hold on to the money? TD will not accommodate customers, their response is we can cancel the XXXX transaction and you can resend the money with hopes that it will be available within minutes and if not oh well you have to wait 3 business days for the transaction to " clear '' it was a money transfer from TD bank to TD Bank-wait for it to clear? TD Bank did not want to take the extra step to contact XXXX Thier response to get me off the phone was " Ma'am there is nothing we can do about it '' meanwhile, about 3 weeks ago I was a victum of fraud were almost $ 5k came out of my account and what do you know that was instant, " within minutes '' as XXXX likes to portray.
Product: Mortgage

The servicing company show a balance of {$10000.00} on my mortgage after the maturity date of XXXX XX/XX/2021. This would mean that I had missed 2 years of payments. I did not have any modification to my original loan agreement. i was approved for 2 times for deferment payments totaling {$2500.00}. As of the XX/XX/2021 statement I mailed in the XXXX P & I payment and the deferred amount of {$2500.00} for a total of {$3100.00}. This should have satisfied the account. Prior to the maturity of the loan, i made numerous contact with the prior servicing company, Ditech, and the current servicing company, Shellpoint. Neither has given proof showing 2 years of the missing payments nor any legal documents showing that there was a modification to the loan that would validate the balance in question. The payment documents provided by the companies do not show 2 years of missing payments but only the deferred payments.
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 reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX 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 consists of a Accounts : XXXX XXXX Account # XXXX date opened XX/XX/XXXX Ba ; XXXX {$0.00}, XXXX XXXX Account # XXXX XXXX XXXX XXXX XX/XX/XXXX Bal. {$0.00}, XXXX Account # : XXXX date opened XX/XX/XXXX Bal. {$71.00}, XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$0.00}, XXXX Account # : XXXX date opened XX/XX/XXXX Bal. {$120.00}, XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Bal. {$190.00} XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$260.00}, XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX Bal. {$280.00}, the XXXX XXXX XXXX Account # XXXX date XXXX XX/XX/XXXX XXXX {$340.00}, XXXX XXXX XXXX Account # XXXX XX/XX/XXXX Bal. {$430.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$480.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$490.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX Bal. {$650.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$1500.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$4200.00} XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$5200.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$21000.00}, XXXX XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$41000.00}, XXXX  XXXX XXXX # XXXX date opened XX/XX/XXXX Bal. {$41000.00}. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries 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. All of 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was pulled over in PA. For going XXXX in a XXXX. Given a citation and i wS on my way. I paid the citation and now it's on my background check 3 years later and it shouldn't be there. Jobs have denied me employment because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Express Recovery is reporting multiple accounts on my credit file that need to be removed. I paid off all accounts a while back ago however, they continue to report on my credit and affecting my ability to be able to finance. This is completely unfair as the debt was paid even though I never received a 30 day right to dispute notice for any of the accounts. That is a violation under the FCRA and the FDCPA. I am now asking that Express Recovery delete all accounts from my credit file. I am aware that Express Recovery has the ability to report this account to the bureaus as they deem necessary. If I do not receive a response in 30 days, I will have no alternative but to exercise whatever rights and remedies we have under the law to enforce the removal, including but not limited to institution of legal proceedings against them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account XXXX XXXXXXXX, is reporting to Experian that date of ast payment was on XX/XX/year> and a last date active on XX/XX/year> and XXXX is reporting the same XXXX XXXXXXXX account XXXX XXXXXXXX, with a date of last active on XX/XX/year>, and a date of last payment on XXXX and XXXX XXXX does not report it nor have it as hurting my chances of getting a first time home buyer loan please remove all the confusions and misinfomation about me
Product: Credit reporting or other personal consumer reports

Unable to login to existing Transunion account or create a new account due to error on website " We are temporarily unable to complete your request. Looks like we are experiencing a problem on our end. '' Due to being unable to login, I can neither view my annual credit report nor freeze/unfreeze my credit on their services.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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

I have been contacting XXXX to resolve a credit card account since XX/XX/XXXXXXXX XXXX The account was paid in full and closed. XXXX has provided provided letters stating this information ; however, they will not update the credit bureaus ( XXXX, Experian, or XXXX ). I have contacted them numerous times, contacted all three bureaus as well, and the account balance still reflects past due of {$790.00} when the actual balance is now - {$0.00} after making an {$800.00} payment on XXXX 

Attached - Credit information with balance showing Receipt of payment made on XXXX for {$800.00} Three letters from the creditor.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, Subject : Dispute of Inaccurate Reporting of Late Payments Account # XXXX XXXX XXXXXXXX I am writing to formally dispute the inaccurate reporting of late payment on my credit report concerning the account referenced above ( XXXX XXXX XXXX XXXX ). Upon thorough review, I have identified discrepancies in the reporting, which I believe may constitute a violation of the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S. Code 1681. 
The reported late payment on the aforementioned account are inconsistent with my payment history. To the best of my knowledge and based on my records, I have consistently made timely payments in accordance with the terms of our agreement. 
In accordance with 15 U.S Code 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 U.S Code 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

Reference to PAANL ( Paid as Agreed Never Late ) The terms of our agreement have always been adhered to, and the accounts in question should reflect a status of Paid as Agreed Never Late based on the timely payments made. It is imperative that my credit report accurately represents my financial and commitment to meeting payment obligations. 
I hereby request that you provide documented proof supporting the claim of late payments on these accounts. This proof should include specific details such as dates, amounts, and any relevant communication indicating that the payments were indeed late, in the absence of valid proof, I expect the credit reporting to be rectified promptly. 
If, after a thorough investigation you are unable to provide verifiable proof of late payments, I demand that the accounts be promptly updated to reflects its accurate status as Paid as Agreed Never Late. Per the FCRA, I request that you conduct a timely investigation and provide a written response 30 days from the receipt of this dispute letter. Failure to adhere to this timeline will be considered a violation of the FCRA. 
I appreciate your immediate attention to this matter and expect a resolution that aligns with the legal obligations outlined by the FCRA. Your cooperation is essential in ensuring the accuracy and fairness of my credit report. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I received a notice of collections ( XXXX XXXX ) on XX/XX/XXXX. Immediately, I sent a verification request and dispute as my records showed the alleged account was beyond satisfied. The Debt Collector never responded to my verification request but continued to contact me and collect the debt. 
On XX/XX/XXXX I was contacted by one of the Debt Collectors agents by phone who immediately demanded payment. I informed the agent that I had sent a verification request in writing, well withing 30 days of XXXX XXXX and had not received a response. The agent acknowledged receipt of my dispute and verification request but still asked for payment. I further pressed the issue about them not responding to my verification request and continuing to attempt to collect the debt which violates the FDCPA. The agent took a moment to review the notes in my " file '' and informed me that they had requested the verification information from their client but had not received it and therefore had not yet responded to my verification request. I asked that they cease calling and to only contact me in writing. 
On XX/XX/XXXX I was alerted to a new collections account that was reporting on my credit as of XX/XX/XXXX. I immediately disputed the accounts online and provided copies of the written dispute and verification request that I had mailed to the Debt Collector. The credit bureaus quickly returned their answers to my disputes and to my great dismay, had " Verified '' the accuracy of the debt and had deemed it valid and to have met FCRA requirements. 
On XX/XX/XXXX I contacted the Debt Collector by phone as the next step to obtain a resolution. I spoke with an agent who asked for payment on the account first thing. I explained the situation to her about my dispute and the credit reporting. The agent reviewed the notes on my " file '' and relayed that they still had yet to receive the requested information from their client to properly verify the debt. I was placed on hold while the agent spoke to their supervisor about the situation. The agent returned and informed me that they were closing out the account and returning it to their client. I asked about the items on my credit and was told that they would be contacting the credit bureaus to have them removed. As of XX/XX/XXXX, they are still reporting on my credit. 
Following my written verification request this Debt Collector acted in complete negligence and disregard to the FDCPA and the FCRA by ; 1. Continuing to attempt to collect the alleged debt after receiving and not responding to a written verification request sent within 30 days. 2. Reporting collections account to my credit without responding to a written verification request. 
The collections account prematurely appearing on my credit profile has had a severe negative impact that has affected me financially and has halted me in my attempts to use my credit.