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

Citi bank closed my account and I asked when will take me close check they reply after min 30 days however I need my money as soon as possible due to I have financial crisis and need it for emergency
Product: Credit reporting, credit repair services, or other personal consumer reports

none of the credit bureau have my number on the fraud alert XXXX aslo XXXX XXXX is not showing on my get credit with experian it showed before and XXXX XXXX also Experian XXXX taking more than 30 days for my dispute and experian wont let me look at my credit even when i tried paying
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with capital one 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 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: Mortgage

Flagstar calculated my annual escrow statement as though it would pay my municipal property taxes out of escrow in XX/XX/2019. However, my municipality has not had an XXXX due date for taxes in at least the past 10 years ( as far back as easily-accessible public records go ). The municipal property taxes are due in XX/XX/2019. The difference between using XX/XX/2019 and XX/XX/2019 as the disbursement date results in a {$1700.00} difference in escrow " shortage. '' This calculation still accounts for the XXXX month " cushion '' Flagstar is allowed under RESPA. 

In prior calls to the XXXX number, XXXX of Flagstar insists that the municipality is " a late release date city ; '' therefore, Flagstar will continue to operate as though the taxes are paid in XXXX. However, Flagstar 's practice is a violation of RESPA because it is effectively increasing its " cushion '' beyond the lawful rate. In fact, any argument by Flagstar that it should be allowed to calculate the annual escrow analysis using an XXXX payment date is nullified by the fact that it already has a two-month " cushion. ''
Product: Credit card or prepaid card

PayPal charged {$140.00} onto my XXXX XXXX XXXX shown as a transaction from XXXX. I have handled this with both PayPal and XXXX to no avail. Both PayPal and XXXX is trying to cover-up this charge as the file will reflect. I am attaching a letter address to Consumer Financial Protection Bureau explaining all of the handling I have given this problem. I have also attached 3 Exhibits that supports everything I am contending regarding this fraud. Neither PayPal nor XXXX can explain what the charge is for nor can either provide any information on this charge. I have not made any transactions with XXXX for a number of years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was used in identity theft I have never applied or signed for any credit cards, insurance or loans which I am disputing. I currently filed with the FTC and local police authorities both have assigned a case and file number to investigate. I discovered the information on my credit report XX/XX/2023 which I notice XXXX XXXX on my credit report for fraudulent amount XXXX I have called XXXX XXXX with no resolution.
Product: Debt collection

I contacted XXXX the " originating '' company and they said they can't find any debt that matches the one on my credit report. they said they can't stop if it they can't find it they said their account numbers are 10 digits and this one is 8 on my credit report from some scam collection agency. 

I have had XXXX phone service and XXXX since XXXX I never had XXXX. 

XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, WA XXXX I filed a dispute with XXXX they change the amount from XXXX to XXXX said it was a new amount so valid. 

This is 100 percent FRAUD not my account. Please help Account name CONVERGENT OUTSOURCING Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2000.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$2000.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX  : # XXXX, XXXX XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash app. ( Block , inc ) due to inadequate customer service and unfair practices, which violated the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed timely and effective measures to prevent and address the 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 Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss to all users. I am seeking appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I TOOK OUT A CREDIT CARD WITH DISCOVER IN WHICH THEY STATED THAT THEY WOULD LOWER THE INTEREST RATE AFTER A YEAR AND FRANKLY ARE LYING TO THE CUSTOMERS AND THEN THEY GIVE YOU A SHORT PERIOD OF TIME WITH A LOW INTEREST RATE AND THEN IMMEDIATELY GO STRAIGHT TO THE HIGHEST INTEREST RATE THAT THEY CAN CHARGE.

I RECEIVED A XXXX XXXX CREDIT CARD WHICH THEY ADVERTISED A 0 % INTEREST RATE AND THEN WHAT THEY DO NOT TELL YOU IS THAT YOU CAN NOT TRANSFER FUNDS WITH THAT GOOD INTEREST RATE. AT LEAST THATS WHAT I WAS TOLD TODAY. A WEEK AGO, IT WAS A DIFFERENT STORY.

TRUMP HAS GIVEN THESE CREDIT CARD COMPANIES FULL REIGN AND WE ARE SICK OF THEM ADVERTISING THINGS THAT ARE FRANKLY FALSE ADVERTISING AND LYING TO T HE CONSUMER. THIS NEEDS TO BE INVESTIGATED. THE INTEREST RATE AT DISCOVER IS CLOSE TO {$90.00} PER MONTH AND I PAY WAY MORE EVERY MONTH AND THEY JUST KEEPING RAISING THE INTEREST RATE, WHY, BECAUSE TRUMP SAID THEY COULD AND SO HELP ME GOD COME XX/XX/XXXXTHE REPUBLICANS ARE OUT AND TRUMP WILL BE GONE. I AM DONE WITH THIS FALSE ADVERTISING AND THE ALL CORPORATIONS ARE DOING IT AND WE ARE XXXX XXXX  SICK OF IT. I'M PUTTING THIS INFORMATION OUT ON XXXX   AND XXXX BECAUSE THESE CREDIT CARD COMPANIES ARE OUT OF CONTROL AND NEED TO STOPPED.

I AM SICK OF CORPORATIONS LYING BECAUSE THE PRESIDENT DOES EVERY XXXX DAY. HE DOESN'T KNOW HOW TO TELL THE TRUTH AND ITS DAMAGED THE PEOPLE IN THIS COUNTRY AND HE WILL GO BY IMPEACHMENT OR BY CRIMINAL ACTIONS OF HIS OWN DOING.
Product: Credit reporting, credit repair services, or other personal consumer reports

My previous account with XXXX XXXX XXXX Account # XXXX was halted for two months in 2020 at company 's discretion at the peek/during COVID-19 Natural Disaster. Account has since been Satisfactorily Paid off and Certified by XXXX XXXX XXXX. But XXXX has deliberately and wilfully continued to report it as two late payments on my credit profile, causing me a significant, downward negative report on my credit, thereby affecting my ability to gain favorable terms on my mortgage and other possible loans. 

I've since attached and sent XXXX proof of the Letter of Satisfactory and Never Late Payments. Notwithstanding, XXXX has refused to adjust it in my favor as with the other bureaus.
Product: Money transfer, virtual currency, or money service

I sent a seller a total of {$680.00} ( three different payments {$300.00}, {$200.00}, {$180.00} ) for three pairs of shoes. I was in contact with her once the payments were made and she told me told me itd be two to three weeks to receive them once shipped. I waited, and decided to get back in contact with her and after multiple attempts I received no response. I went through my bank to file a dispute in an effort to get my money back, and the claim was denied and I was told to get in contact with Cashapp to receive my money back. I then got in contact with Cashapp and was told there is nothing they can do for me, to try again with my bank. After contacting my bank again regarding the same claim, they then explained to me that Cashapp will not issue a chargeback because their service was rendered. This is very frustrating because I have been given the run around looking to resolve this issue. Cashapp 's customer service is next to useless and I would like to be provided with quality customer assistance to get this resolved, its hard to walk away from {$680.00}, especially when you've been scammed out of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to the company multiple times and tried to call the company to remove the inquiry from my credit report and was informed to contact the company that did the inquiry to have them remove the inquiry from credit report. I contacted the company and was informed by the company to contact the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA refuses to investigate my previous dispute regarding a derogatory ( Bankruptcy ) public record that they are still reporting, and refuses to re-investigate. 

Experian has never contacted the data furnisher of information regarding my dispute, rather is using a third party vendor known as XXXX XXXX. 

I'm requesting an investigation how the bankruptcy came to be on my credit report, or that the derogatory public record is deleted within 30 days.
Product: Credit card or prepaid card

Discover card account in place since 2011 Account was closed without notification {$0.00} balance account with a {$3500.00} credit line Closure reduced my FICO score by 10 points When I contacted Discover they refused to reopen my account despite closure not being credit related, closure was due to not using the card This is a predatory practice as a natural result of reducing a consumers denominator in their debt usage ratio is reduction in FICO, which means long standing accounts with Customer-friendly rates and terms can be turned over and converted into newer less Customer-friendly accounts with higher rates and less benefits This is a violation of UDAAP due to its a usive effect on the Consumer
Product: Debt collection

I received a statement from XXXX XXXX about this debt but they haven't provided a contact showing proof of this being my debt. According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed a certified letter to Trans Union requesting proof of verification. In this letter I clearly stated this is not a dispute simply questioning how Trans Union verified this particular account. 

Trans Union responded with a letter my investigation results. The letter states investigation results verified as accurate the disputed item was verified as accurate. 

I would like Trans Union to provide proof of how they verified this particular account and provide me with contact information on who they received the proof from. If this account is unverifiable I would like trans union to remove this account and send me an updated copy of my credit report. 

Attached is a copy of the certified mail receipt also the letter that was mailed directly to Trans Union also train unions investigation results letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act XXXX  Account : 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  XX/XX/XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report was obtained without permissible purpose that is required by FCRA section 604. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureau/Agency ( XXXX  ) and the Creditor ( XXXX XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Debt collection

On XX/XX/2020 i got an alert on my credit report that nationwide recovery system is trying to collect a debt that i have no knowledge of any agreement with them nor have i signed any contract with them nor there affiliates
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute information on my credit with XXXX  they keep replying back within one day of my dispute updated. I have never received proof or validation of account and will like my accounts removed as to showing my prove for XXXX XXXX and XXXX account paid off never late A collection for XXXX was never verified I was never giving proof or validation from creditor or credit bureau I feel like they not following the proper guidelines and are failing to do to proper investigation as to the fair credit act I will like validation from all my disputes immediately verifying validating these account
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & Equifax didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of information in my report was inaccurate. I sent it to all the credit reports, asking them to investigate and verify my files. That information, however, is still being shared and affects my credit. The credit bureau did nothing to remove the incorrect information listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EMPLOYER : XXXX XXXX  Date Updated : XX/XX/2020
Product: Credit card

Hello. I purchased a XXXX motorcycle from XXXX XXXX XXXX and upon the contract agreement was informed of a great offer through XXXX. I filled out the application and was given enough credit to purchase the Motorcycle and a very very wonderful Maintenance/ Warranty package. My payments were consistent yet for some reason after quite a few years and numerous phone conversations the contract I signed for purchase never seemed to drop the numbers down even though I followed the payment plans of my written contract. Upon inquiry with the shop I was made to understand that XXXX changed the terms the moment we purchased items such as the afore mentioned package. I have called XXXX many many times and they tell me each time a new story about my account and now that I have fallen upon hard times the vehicle I have been paying on for an excess of 3 years is still right around the written contract agreement with no hopes of it ever getting below that as I have fallen upon reduced earnings and have gotten behind in payments. I attempted to make an offer of cash to purchase the motorcycle and to attempt an arrangement for repayment of the purchases as these items were XXXX specifically separate entities and XXXX has denied my efforts still not being able to break down my credit card transactions and give me a pay off for this motorcycle. I have like I stated a written contract for this motorcycle as a separate purchase that is suppose to have a contract price of X amount of dollars yet this organization refuses to tell me what I need to pay for the pink slip as if it is never going to happen unless I pay off the credit card which originally had nothing to do with this purchase as I would never have agreed to such a ridiculous amount of interest for a cheap old motorcycle. I have XXXX charges on my statement XXXX of which is XXXX which I have no idea if it is merchandise or motorcycle, a XXXX line item which yet again I have no idea as to the actual product and a XXXX dollar line item that has been on my statement for years. I ask and I ask repeatedly and have done so numerous times as I stated earlier yet nobody can give me a straight answer. The Motorcycle sticker price was XXXX and the contract was for X amount of months yet again, when I ask the company about it they still state to get the pink slip I must pay an excess of XXXX. I have spoken to the dealership as I am a regular there and they have stopped allowing XXXX Credit cards to be used to purchase vehicles and even tried to help me refinance but XXXX has a tight grip and is not willing to release the title unless the entire balance is paid in full and since they change terms constantly according to their agents I am starting to believe that the 25 year XXXX $ estimate within at the current rate of payment which has nothing to do with the actual contract price anymore is my reality. I feel that XXXX has not only refused to consider there are financial issues now and then with their customers, they just do not care and would rather destroy my credit even though I paid them religiously for over 3 years. Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card utilization still shows 23 % although the balance is paid and my credit limit has increased. My credit card company reports the status of my account on the XXXX of every month to the credit bureaus. Experian allegedly updates my report daily, however, this information is not being reported accurately.
Product: Mortgage

I got behind on the mortgage in XXXX, sent a payment of {$17000.00} dollars to catch up account, which never got applied and placed in another area at Rocket Mortgage Company, then in XX/XX/XXXX applied for mortgage help from Ohio Housing Finance Agency, they returned a letter saying i'm eligible but Rocket Mortgage did not send the required documents to OHFA or myself until XX/XX/XXXX, letting the amount due increase, also I applied for a Mortgage assistance application with the mortgage servicer and have not gotten any response, also Rocket Mortgage still have not sent successor in interest documents to OHFA and claiming for over a year I didn't send the correct information to them which is clearly listed on the property deed for me to get the financial help available.
Product: Debt collection

Received a XX/XX/18 call to collect a debt not owed by me or any person at my telephone numbers ; XXXX and XXXX and XXXX  during the past 5 ( first two numbers ) and 10 years ( last #, XXXX  ). Unwanted Company/caller was Dynamic REcovery Solution, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX and mailing address XXXX XXXX XXXX XXXX SC XXXX.

They have the wrong numbers for whomever they seek and they were simply lazy and slothful in conducting their business by failing to check their telephone lists, choosing instead to make calls and interrupt my day with their call and further time needed to attempt to have them stop calling my numbers by filing this complaint and talking with them.
Product: Credit reporting or other personal consumer reports

Hello CFBC, I hope all well. I was appalled today when I login into my credit report and saw multiple unauthorized inquirys. Please see below the unauthorized inquirys. 

XXXX - Unauthorized Hard Inquiries Merchants XXXX XXXX  XXXX XXXX XXXX. CREDCOXXXX  XXXX. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My full name have been miss spelled a couple of times and there is an home address I don't recognize as home.