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

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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/updated.

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.

I have requested proof that this information was mailed or delivered XXXX 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!
Product: Credit card

For many years, I have paid my Citibank credit card by selecting pay your remaining Last Statement Balance on Citibank.com and incurred no interest. So for my XXXX statement, I paid the same way. So when I incurred interests in my XXXX statement, the customer service told me I can not follow the remaining last statement balance on their website because that included a refund from a merchant, I need to go to the actual statement and pay the last statement balance from there but she made an exception and waived my interest in the XXXX statement. So for my XXXX statement I overpaid my actual statement balance by {$200.00} because of my concern about trailing ints. Despite that overpayment, I still incurred interests in my XXXX statement despite my overpayment. Citibank told me they can not waive the XX/XX/year> interests even though I escalated XXXX levels up. I even shared with them I used to work at XXXX and they have the ability to suppress trailing ints. I decided on my own to stop using the card to stop the trailing interests on my card and may consider not using this card anymore. I am upset they are not able to waive my XX/XX/year> interests and I hope you will not give me the same answer they are giving me after your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with a car dealership before the year XXXX, last transaction on that loan was XXXX. It's still reporting on my credit as and owed debt. It shows transaction was taken XXXX of XXXX. Which is untrue.
Product: Debt collection

Today I got a bill for {$240.00} from Advanced Recovery as of todays date I have never been aware that I owed this bill for my insurance is to pay this bill this is what the state of ms calls surprise billing after they have taken money from the insurance company that is suppose to pay off the debt they seek more which is illegal in the state of ms and is called surprise billing making the consumer a victim of collection when the billing is illegal to get money after being paid and being in the approved network
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX #XXXX XXXX XXXX XXXX XXXX XXXX  FLXXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX     15 USC1681 602 STATE A CONSUMER REPORTING AGENCY I HAVE A RIGHT TO PRIVACY .15 USC.604 IT ALSO STATE A CONSUMER REPORTING AGENCY CANNOT FURNISH A ACCOUNT  WITH OUT MY WRITTEN INSTRUCTIONS
Product: Checking or savings account

XXXX of Events : XX/XX/XXXX : My CitiBank Checking account was opened. 
XX/XX/XXXX : I enrolled in the online banking app. 
XX/XX/XXXX : My debit card was issued and sent to me. 
Between XX/XX/XXXX and XX/XX/XXXX ( I can not say exactly because my account access is blocked by CitiBank ) : I attempted to deposit my paycheck, issued by my employer ( XXXX XXXX XXXX ), through the CityBank mobile app. The paycheck was issued by XXXXXXXX XXXX ( formerly XXXX XXXX XXXX XXXX ), which was acquired by XXXX XXXX XXXX ( XXXX ) in XXXX. 
During this period, my deposit was repeatedly declined, accepted, then declined again, with no clear explanation from CityBank. Subsequently, I received an email notification that my account would be automatically closed within 60 days.

Additionally, my access to the CityBank mobile app was blocked, and I am unable to access my account number, as the app requires the account number for logininformation I can only obtain through the app itself. Despite multiple attempts to contact CitiBank customer service, I have been unable to receive any substantive information or explanation regarding the account closure. The customer service representatives have refused to provide reasons for the account closure. 

Nature of the Complaint : Improper Decline of Paycheck : My legally issued paycheck was declined by CityBank without a valid reason, causing significant inconvenience and disruption to the processing of my salary.

Unjust Account Closure : My account was closed due to errors or mismanagement on CitiBank 's part, without proper communication or transparency regarding the reasons for the closure. 
Blocked Access and Lack of Support : I have been unable to access critical account information due to the blocked app, and CityBank has failed to provide adequate customer support, leaving me unable to resolve the issue. 
Regulatory Violations : Based on the facts of this case, I believe CityBank may have violated several laws and regulations, including but not limited to : Regulation E ( 12 CFR Part 1005 ) : This regulation governs the rights and responsibilities related to electronic fund transfers, which may apply to my attempt to deposit my paycheck through the online banking app. The repeated declines without proper notification or explanation may constitute a violation of my rights under this regulation.

Truth in Savings Act ( 12 USC 4301 ) : This law requires financial institutions to provide clear and accurate information to consumers regarding the terms and conditions of their accounts, including any fees, closures, and account management procedures. CitiBanks lack of transparency about the reasons for closing my account may violate this regulation. 

Fair Practices in Account Management : CityBank may have violated fair consumer practices by failing to provide clear communication or adequate support when issues arose with my account, as required under consumer protection laws.
Product: Credit reporting or other personal consumer reports

My wife and I were on celebrating our anniversary in the XXXX, VA area ( XXXX XXXX ) when we were introduced to XXXX XXXX. We attended a presentation and committed to a XXXX XXXX XXXX XXXX XXXX. In which, due to life happening ( before and after Covid ) we never was able to utilize the facility. Fast forward, XXXX years later ( XXXX ) we finally booked a stay in XXXX. While celebrating another anniversary, we entered into what we thought would be an update session but turned out to be another presentation. XXXX to XXXX hours later, we exit the pressure tank! We had signed contracts that appeared later that we couldn't had read. That was the first red flag... Here 's the second flag! We had a free week vacation that needed to be used by XX/XX/XXXX. My son was getting married in XX/XX/XXXX so as a wedding gift I figured that would be a great honeymoon sendoff. Long story short, turns out that free week ended up costing me {$1700.00} not including airfare!! Something was wrong and I began looking at these contracts. These folks had done a number on us. Quiet Deed for {$10.00} .... WHAT IN THE WORLD HAS THESE PEOPLE DONE was my thoughts! I stopped making payments and starting seeking legal counsel. I wrote a detailed complaint in XX/XX/XXXX. XXXX XXXX XXXX is reporting differently on each of the credit bureaus!! XXXX is reporting that is a Travel Card / Entertainment {$3200.00} while Equifax is reporting as Miscellaneous {$33000.00} and XXXX is reporting as Mortgage Company. They should be straight forward with consumers and stop setting traps. Now they do everything they can do to try ruin the consumer when they have been discovered! 

Here 's the problem, I feel that XXXX XXXX XXXX is misleading consumers as well as these credit bureaus!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in need of your immediate attention regarding this matter. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your investigation. Send me the results as soon as available. Your cooperation is badly needed!
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX - XXXX - XXXX - {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - {$250.00} XXXX XXXX XXXX XXXX. - XXXX - XXXX - {$180.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX XXXX  reported as FRaud and went through investigation. The progress has passed more than 90 days without validations.
Product: Credit reporting or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : - XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance XXXX {$9900.00} XXXX  XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$130.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : {$9900.00} XXXX Inquired on XXXX XXXX, XXXX  XXXX Inquired on XXXX XXXX, XXXX  XXXX XXXX Inquired on XXXX XXXX XXXX 2023 XXXX Inquired on XXXX XXXX, XXXX  XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Bank account or service

In XXXX XXXX I received a notice in the mail stating that I would be able to earn up to XXXX XXXX XXXX XXXX by opening up a Citigold account. That month after I opened the account I sent them an e-mail that confirmed that they had applied the promotion to the account and they were waiting for me to fulfill the requirements. In XXXX XXXX I sent an e-mail to get an update on the promotion. Citibank stated that my requirements were completed and that I should wait until XXXX to see the points applied to my account. As of today I have n't seen any points and citibank refuses to respond to me.
Product: Debt collection

PMAB LLC. 
XX/XX/19 Spoke to a collection agent and stated that I wanted to close out one of my two items on my credit report with them. She informed me that I had three items on my report with them and if I couldnt yet see the third item I would soon. The total she said was XXXX. I stated verbally at least two different times that I was disputing those charges and they were already off of my credit report. Again I said I want to go ahead and settle the one item for XXXX and just take care of that today. She stated that they would not close my account and could not mark one item as paid with other items on my collective report with them ( not true ). When she finally ran my credit card she did not confirm the amount she was running for only restating my words so you want to go ahead and take care of this today.. She ran my card for XXXX. I called back as soon as I saw this in my email inbox. Talked to her again and also her supervisor and he never apologized or acknowledged that anything happened, only proceeded to ask if I wanted a refund or not. I said I would call back after doing some research to let him know how to proceed. Without consulting me he went in and fully refunded to XXXX. I called back and paid XXXX. They said that they would send a verification letter that the account was paid and yet I have not received anything. 
XX/XX/19 They reported to XXXX that I had paid off the one account. 
XX/XX/19 They then also refiled a new account in my collections for one of the amounts that I was disputing. The amount shows as {$0.00} with a negative impact on my credit score. I called in to their phone line and as soon as I gave my name was put on with the same woman. She told me that one of the charges that I did not want to pay the other day was not on my credit report before and had just hit my credit report ( not true ). There was one for {$160.00} that she was referencing but it was on all of my reports, however I have disputed it with all 3 agencies. She said that it was just now processed to hit my credit because I did not pay it. 
This is predatory and they are not in the right to hit my credit for a {$0.00} collection or reassess a fee that has been removed! The person I dealt with XXXX XXXX is trying to manipulate people and double talk to extort money out of them. They are not trying to reasonably help consumers to settle debts. She said that they were definitely looking forward to the call to prove that my disputes were valid so they could uphold the items on my collection report. 
Do not give these people any personal information like I did to indicate that I needed the items removed from my report for an upcoming credit check for a move. They will use that information against you to try and get every dime out of you even if it means hitting your credit for a {$0.00} collection like they did to me. If they ask why you want to settle the debts say that you are just tidying up your finances and leave it at that. Force them to confirm what they are charging and make them send a letter before payment or some confirmation.
Product: Mortgage

I contacted XXXX when I was unable to make payments in XXXXXXXX XXXX XXXXXXXX due to COVID job loss again during that time. I was sent several contacts, who kept changing, during the year long process to fill out the loss mitigation paperwork, which I did and returned. During this entire time I was in the loss mitigation process I continued to call throughout XXXX, and into XXXX and was told that it was in underwriting and that they were either short-staffed and/or backed up but not to worry and I would receive paperwork once complete. Fast forward almost a year later and I FINALLY received partial claim papers in XX/XX/XXXX and signed and returned by the XX/XX/XXXX date requested ( paperwork attached ). It is now XX/XX/XXXX and I checked my credit reports. XXXX updated my XXXX and XXXX reports to reflect current, but have not removed all of the late payments reporting while in loss mitigation on both reports. In addition, they are STILL wrongfully reporting my mortgage for XXXX as delinquent and listed as " foreclosure processing started '' ( please see proof attached ). I have called BSI many times, filed a previous complaint through CFPB and XXXX holding my end of the bargain and making monthly payments for both XXXX and XXXX per the partial claim contract COVID XXXX Recovery Standalone Partial Claim Contract. This is unacceptable. On XX/XX/XXXX I called and spoke with " XXXX '' in the Loss Mitigation department and she stated that she would put in for an update to my credit report because during the loss mitigation process it should not have been reporting delinquent payments. I waited the XXXX days for the update ( which she stated to do ) and they are STILL reporting the lates during loss mitigation on XXXX and XXXX, and updated the month of XXXX as foreclosure proceedings started and with late payments for XXXX with XXXX. The fact that they CAN NOT follow the law and fix this is hurting my ability to sustain and maintain everyday needs being that everyone checks credit. Please step in and MAKE them follow the law and update my credit report correctly.
Product: Mortgage

I refinance my mortgage with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, At the time of refinance, original lender did not required me to have any other additional insurance other than XXXX. I provided it to Lender and we closed the loan. At the present, Ocwen as the new Servicer has put forced place insurance on the unit. Now Ocwen raised raised my monthly mortgage payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 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 XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting

I am writing because there are some errors on my credit report and they belong to my sister and my mother. My name is XXXX XXXX, and I am continually linked to my mother, XXXX XXXX, and my sister XXXX XXXX. I can not change my address because whenever I have my mother and sister 's mail is redirected as well. I have realized that this is due to errors on my report. I have never lived in XXXX, MA. My sister, XXXX XXXX has. I have also never had a XXXX credit card, this account belongs to my sister as well, and I need it to be removed from my financial record. We are XXXX different people, with similar names and addresses, until recently, but we do not share a social security number. I need my account separated from my mothers and sister 's as I plan on moving and purchasing a home. My sister had been dealing with the XXXX crediting companies for many years, trying to separate her financial record from my mothers, but I do not understand how this could be hurting me as well, since I do not share the same first name with my mother or sister. The XXXX crediting agencies have made these errors on my report and have not corrected them, thus I thought to report it once again before seeking legal action. I have attached copies of our XXXX different passports, in the hopes of showing XXXX different individuals, whom happen to be related, not the same person.
Product: Checking or savings account

I, on behalf of the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), asked Citibank to provide written explanation of why they did not alert me ( by email, phone, or text ) when on XXXX consecutive days UNAUTHORIZED wire transfers occurred to XXXX XXXX XXXXXXXX XXXX {$47000.00} ; XX/XX/XXXX -- {$48000.00} ; XXXX XXXX {$50000.00}. 
I asked Citi to provide written evidence of their process for approving such unusual transactions. Who validated? Who verified? Why Citi did not find such unusual back to back transactions suspicious? 
I asked Citi to explain and answer why the bank did not contact me when Citi knew on XX/XX/XXXX, someone in XXXX attempted XXXX transactions from the XXXX account. I received a call from legitimate Citi number and advised Citi these were not authorized transactions. Transactions were aborted. 
I also asked for written explanation of why Citi would assume XXXX such consecutive wire transfers were appropriate when XXXX HAD NEVER previously originated wire transfers. 
My complaint is associated with XXXX. 
It is not regarding my personal account or any other account.
Product: Debt collection

In XX/XX/XXXX I rented a vehicle in XXXX when I was there from XXXX XXXX XXXX. I paid a {$500.00} deposit plus fees for the rental. The deposit was for missing gas or damage to the car or extra days if I kept it. I videotaped the vehicle when I first received it. 

On XX/XX/XXXX I return the vehicle and a XXXX representative got into the vehicle as I was taping the car for proof of return in baseline condition. During this time, the XXXX representative that is sitting in the car evaluating the vehicle, gave me my money back for the deposit, and I was able to get on my flight. As you can see in the video, there is XXXX damage to the car and no mention of any damage from the representative and she did not deduct any monies from my deposit. 

XX/XX/XXXX I was notified six months later that there was damage to the car ( XXXX XXXX XXXX that I rented 6 months prior ) by alternatives claims management. 

They are trying to charge a bunch of fees that I am not responsible for and threatened me with action if I dont give them money. 

I uploaded the video from when I return the vehicle as you can see in the video its very clear there is no damage caused by me on the car, the XXXX representative and evaluating it and there was no damage caused by me and it is the right vehicle with the right license plate number that they are claiming. This video is taken right when I drop the car off XX/XX/XXXXXXXX XXXX XXXX I dropped it off. In the same condition I rented it. 

Not only did I save the videos, but I also saved the receipt of the representative immediately returning my deposit. I forwarded both of the video and the return deposit receipt to this agency. 

I was really upset that theyre trying to scam me so I looked on XXXX and I found a myriad of claims where they try to scam people and even people have sued them for this. 

Please pursue these individuals further fraudulent behavior. 

Because of the size of the video I am unable to upload it however, any consumer finance person can reach out to me and Ill be happy to send it via email. Alternative claims management already has a copy of the video.
Product: Mortgage

I applied for a trial period for lower payment withXX/XX/XXXXXXXX XXXX in XXXXXX/XX/XXXX2024 for a reduced payment. The trial period was approved in the amount of XXXX and was told to continue to make payments in that amount until XX/XX/scrub> 2024. My mortgage was transferred to Shellpoint mortgage who is refusing to accept my payment or the terms outlined and agreed to withXX/XX/XXXXXXXX. They are mis applying my payments and claiming I am only making partial payments which is not what Im contractually obligated to do during my payment. I have spoken to several reps and they each tell me different updates
Product: Debt collection

XXXX XXXX from Warner Asset Location Services ' Legal Department called me looking for my ex sister-in-law, stating that there was a complaint filed against her and XXXX wanted to help my ex sister in law defend herself.
Product: Money transfers

I sent a payment for a replica wrestling belt through paypal and they said they were keeping the money and that i violated federal law by buying overseas.i even called and told them what i was doing and was told the same thing.