23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I made a payment through bill pay. When the payment did not post I contacted the bank to confirm the payment process was handled on their end. I requested the transfer information. I then contacted the vendor and asked them to look into the situation. 

At first I was told the payment was made through a paper check ( later I learned this was not the case and that it was sent electronically. 

After a number of phone calls and email exchanges with XXXX ( the vendor ) I understood 1. They do not receive electronic payments ( their system does not work with that technology. 2. They do not accept paper checks ( they are returned to address on check. 

With this information I contacted Citi bank again. At this point I thought the best option would be to pull back the payment. They ( again ) told me their records stated the payment was made and cleared. This was my third contact with Citi. On the phone I was transferred from department to department which was no help. I was given a number but they in turn transferred me. After trying to approach from the vendor side, I returned to Citi via chat ( I have the transcript ). Again I was transferred around and when I returned to the initial department I started with, I requested to be connected with the supervisor. I simply could not believe it would be that difficult to have a payment pulled back. At this point it was quite possible the payment went to the wrong vendor ... but I had no details as to how to find that out. I would lie with Citi. Unfortunately each time I contacted them I was met with people who quite honestly did not know what to do. 

With over 2 hours invested in what I understand as a rather simple tracking task, I became frustrated. I thought it was important to advise some oversight agency as this kind of inability to conduct business hinges on the possibility of foul play. At the very least both citibank and the public should be made aware of their business conduct.
Product: Credit reporting, credit repair services, or other personal consumer reports

The late payments were part of a Covid deferred program and should not be counted late or missed
Product: Credit reporting, credit repair services, or other personal consumer reports

A creditor may not treat a payment on 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 XX/XX/2021, I noticed that Experian was show showing a repeated charge off that manipulated statute of limitations regarding XXXX Acct # XXXX. I asked Experian and XXXX to investigate and delete as it was reporting inaccurately. Both entities claimed verified with XXXX fraudulently claiming they do not have the power to remove the account. I then asked for MOV that was ignored by both entities. Then I asked XXXX to prove they were reporting correctly. They could not do so. In fact, all they sent me was an unsigned contract which is not proper verification/validation of a debt. 
However, both Experian and XXXX both claim this account is reporting accurate and refuse the delete this inaccurate and unverifiable account. Which is a violation of my consumer rights and an FCRA violation. 
Furthermore, it is blatantly illegal to report a charge off for 5 months in a row then report nothing for 12 months to then remark 'N ' two to three years later. This is clear manipulation of statute of limitations and the inability to properly validate/verify debt with a signed contract with my signature allows me to seek monetary compensation for violation of my consumer rights. I demand that the account be deleted in full or to be compensated to the amount of {$1000.00}. I have been asking that this be resolved for the past 6 months, Per the FCRA I am entitled to monetary compensation for violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

15 US code 1666B timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637B of this title is mailed or delivered to the consumer not later than 21 days before payment due date XXXX, TRANSUNION, and XXXX are reporting this account as late for XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> and XX/XX/year> I made a request for the XXXX XXXX  to provide documentary evidence that the periodic statements were mailed or delivered not later than 21 days before payment due due date XXXX XXXX  failed to provide documentary evidence. XXXX Failed to respond at all. 

I made a request to XXXX to provide documentary evidence or have this item changed or removed from my report. That request was denied, nor did XXXX provide documentary evidence. XXXX denied my request. And has failed to remove the inaccurate information I made the same request to TransUnion to provide documentary evidence that the periodic statements were sent not later than 21 days before payment due date. TransUnion failed to provide documentary evidence. And denied my request. I dispute this adverse action on my report as it is an open end consumer credit plan and should not be reported as late for any purpose. 

I request {$1000.00} per infraction and immediate deletion of this account or this account reported as paid as agreed.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I marked as inaccurate. I want reported accounts removed : - LXXXX 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

Previously, I made an investigation about this account with incorrect information and after checking your responses, I recognized that the same account is still incorrect, with a confirmed status. Please correct the account listed below : XXXX XXXX  XXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$5800.00}
Product: Credit card

Citibank has the recording where I was told that cashing a promotional check the interest rate is 0 % for 12 months. I reinterated to the citibank associate before cashing the promotional check that it was 0 % interest for 12 months. They assured me it is 0 % for 12 months. Now they say that it is 3.99 % interest for 12 months plus an initial fee of 3.99 %. I get the initial fee of 3.99 % but not the 3.99 % for 12 months on top of that. When I contacted citibank they did listen to the recording and confirmed that their associate did state 0 % for 12 months. But they are not honoring that. Total bait and switch. I filed a complaint with citibank and they said they would investigate and reply within 7 to 14 days. Then I canceled my account and they just said fine and hung up. I have not heard back as to what their investigation found. I wonder how many other people they do this too.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) -I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

All debts are not mine, negative reports and delinquency is proving to have adverse effects on acquiring financing. These people, delete these erroneous findings please for heaven sake. I deserve a better quality of life and for this to happen these fake ridiculous accounts should be looked into so they can be removed at once!
Product: Debt collection

Never was noticed of anything and seen a Collection on my account that has nobody to do with me
Product: Credit card

I believe either Citi or XXXX stole XXXX from me. I got a check in the mail ( XXXX or XXXX ) with no restrictions on it from Citi bank for XXXX I put it in my XXXX XXXX XXXX XXXX. Citi then sent a maxed out credit card for XXXX and I was told to pay it back immediately. I paid it back XX/XX/XXXX check # XXXX. I paid XXXX EXACTLY. That should have been the end of it but Citi will not leave me alone stating their interest rate 29.99 % along with a late fee ( monthly ) XXXX on a fraudulent amount of money I have no idea where they manufactured that from. A random number in their head I suppose. 
They now think I owe them XXXX it looks like this : previous balance XXXX payment XXXX, credit XXXX, purchases ( I sent all their credit cards shredded back to them via registered mail on XXXX/XXXX/XXXX  ) XXXX, cash advances XXXX, Fees {$41.00}, interest XXXX I asked them to use the XXXX redeemable thank you points and they deleted them all no credit to me. 
Someone called and asked for {$60.00} I said I wasn't born yesterday and don't send money to people who call me on the phone. Citi immediately reported this to the credit bureaus. I began with XXXX credit score Citi has ALONE brought it down to XXXX. BY THEMSELVES. They are vindictive liars. I wrote on a check PAID IN FULL. They cashed it and think I still owe more money. I DO NOT. I am paid in full. I paid them : XXXX ; {$190.00} on XXXX {$190.00} on XXXX {$26.00}
Product: Debt collection

This is XXXX XXXX with new & updated information about my previous complaint XXXXXXXX XXXX XXXX XXXX & FirstPoint Collection Resources, Inc still has failed to send me verification- ( XXXX XXXX XXXX ) for both alleged debt ( XXXX ) as requested & is still reporting this alleged debt to third parties - XXXX XXXX XXXX XXXX XXXX without my written express consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN sent out a letter giving FALSE information to XXXX XXXX. 
Attached is the letter sent to XXXX by EXPERIAN. 

As of XX/XX/2022 Experian stated that key factors that adversely affected my credit score were : Lack of recent installment loan information ..... Which is FALSE! I have over XXXX of credit history with no late pays or negative information. 

Time since most recent account opening is too short .... Which is FALSE! 

Too many accounts with balances... Which is FALSE!... I have just a couple of accounts with small balances that are normally PAID IN FULL EVERY MONTH!!! 

Too many accounts recently opened ... .. FALSE! I recently opened an account with XXXX for approximately {$23000.00} and paid it off within 30 days. 

I have worked hard to maintain an EXCELLENT credit score ( approx : 840 ) and don't need it trashed by Experian giving out FALSE information! 

Furthermore .... it is IMPOSSIBLE to have the opportunity to talk to someone from EXPERIAN. I have notice over the years, a lot of info in my report was inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my credit report, I noticed a major error. There are DUPLICATE accounts with the same account numbers on my credit report. The following accounts are 1. XXXX XXXX XXXX ( Act Number XXXX ) 2. XXXX ( Act Number XXXX ) Under the provisions of the XXXX Fair Credit Reporting Act, I hereby request that your agency fix this issue immediately. This erroneous error is detrimental to my overall credit rating and has caused me severe emotional and financial distress. I request that you immediately remove the duplicate account from my report and send me an updated report after the duplicate account is removed.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally notify ChexSystems of my intent to pursue legal action for damages caused by your company 's continuous and frivolous reporting of inaccurate information. Despite my prior formal disputes under the Fair Credit Reporting Act ( FCRA ), your company has failed to correct or remove the erroneous data that is being reported under my name.

This inaccurate reporting has caused significant financial harm, emotional distress, and damage to my creditworthiness. Your company 's failure to uphold its legal obligation to ensure the accuracy and fairness of the information reported under my name has resulted in the following : 1. Denial of credit and banking opportunities. 
2. Damage to my financial and professional reputation.

3. Ongoing emotional distress and frustration caused by dealing with the consequences of your negligent reporting.

These actions are in violation of the FCRA, and I believe they reflect a blatant disregard for the legal rights of consumers. Furthermore, if my information was shared without my consent, this may also constitute a violation of privacy under the Gramm-Leach-Bliley Act and other relevant state privacy laws.

I am now demanding the following : 1. Immediate removal of all inaccurate information from your records. 
XXXX. Compensation for financial and emotional damages that have arisen from your company 's negligence. 
3. Cessation of all further reporting of unauthorized or inaccurate information regarding my accounts.
Product: Credit card

I was past due 30 days with Bank of America on my credit card due to a hardship. 
I enter in to hardship program and I made a payment on XXXX the representative advice me that I wont get any late fees and that they wont report me to the credit Bureaus as late. To this date I am being reported to the credit bureaus and it is affecting my credit worthiness. I am a single parent trying to catch up and be responsible with my payments and this is affecting me moral and financially. They claim that they never said that and that it would be their decision if they want to do that. I called several times before just to make sure about the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, I don't believe I'm late on thise late dates, Under USC 1666b, you should remove this late payment. Please update. 

( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. This account need to be updated : XXXX XXXX XXXX XXXX Date Opened XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Constantly telling them this information is incorrect. Through the year of 2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company an identity theft police report from XXXX XXXX County Police Department showing that my information was used for fraud in starting a fraudulent auto loan. The police have arrested the perpetrator XXXX XXXX and shown this proof to XXXX XXXX. Even with proof and a police report stating that my name was used for fraud to start an auto loan, this company refuses to delete this account from my XXXX, XXXX and XXXX credit reports. At this point its defamation and a complete violation of my rights and the FCRA sec 605-609
Product: Debt collection

In 2017 Citibank charged me {$1500.00} for 2 fraudulent transactions that weren't made by me. Now after 2 years, Citibank added {$1300.00} in interests and fees and sold the debt to multiple collection companies. One after another tried to collect the same amount of money from me. 2 weeks ago, XXXX XXXX XXXX agreed not to contact me anymore for the debt. Today, XXXX XXXX XXXX contacted me to try to collect {$2500.00}.
Product: Checking or savings account

I had an account with Wells Fargo in XXXX and there were multiple occasions where overdraft fees where charged to my checking account. I would make cash deposits often from my job as a server and I would lose this money to the overdraft fees.
Product: Student loan

XXXX XXXX. 

When i signed up for the school they promised top of the line class education. I graduated from XXXX School with a XXXX GPA. How can I get XXXX in college. The classes were kindergarden education. After graduation they also promised career placement. I went to several jobs and they were all sales jobs. Nothing to do with XXXX or XXXX. Im still trying to pay these loans.
Product: Money transfer, virtual currency, or money service

I Am Filling A Complaint Against Cash App ( Block, Ink. ) due to inadequate customer service and unfair practices, which violates the Customer Financial Protection Act ( CFA. ) Specifically Cash App failed to take timely and affective measures to prevent and address fraud On their platform, leaving my account vulnerable And unprotected, furthermore, Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

XX/XX/year> credit acceptance sold my debt to XXXX, catchers, XXXX and Im currently being garnished for a account thats closed on my credit report on all three site and have no got any letter from them only what I requested from my hr
Product: Prepaid card

On XX/XX/year> my ReliaCard was stolen. I had made food purchases and last used my card at a corner store. Since, I have not had possession of my card. I went to purchase lunch and noticed I could not find my card. I checked the app and noticed several ATM transactions totaling {$1000.00}. I had only used this card for food and when I realized my account was compromised I immediately reported this to US Bank ReliaCard and was told I would not have liability and that I would be protected. My claim was incorrectly denied stating I benefited from these transactions in which I did not as I did not have possession of the card and have not had the card since XX/XX/year>. There were food transactions that posted later which I made the agent aware and he stated they know sometimes restaurants post purchases the following day. I did everything on my end to ensure the card was reported stolen and they denied my claim which is wrong and not protecting me as I should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, CA XXXX XXXX Acct # 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