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

I activated and registered a prepaid XXXX card. I used it fully within terms of service and decided at one point to cash advance the card. As a result, my card was placed in  'spenddown mode ' from this transaction, meaning that XXXX/Incomm changed the nature of my account to only work for credit or debit purchases. As a result, I am stuck with {$2000.00} in funds that I do not wish to 'spend down '. I want to have cash access to this amount, and am unable to because of this change made to my account. It will unnecessarily burden me to spend it down, since this card charges {$0.00} per transaction. 

The card was changed to spenddown mode on either XX/XX/2019 or XX/XX/2019. I have no receipts because this change was not a transaction. The action was confirmed to me over the phone on XX/XX/2019. There is no way to access my account online because of the change.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax leaked my personal information including, potentially, DOB, social security number, addresses and more. Now my entire credit history is compromised.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Experian have not been doing thorough investigations of information on my credit reports. I have asked for signed documents stating I agreed to a contract to owe debt to XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX and never received any info, however the information is steadily reported as accurate!
Product: Credit card

Wells Fargo first asked for the proof included inside the email, then they denied me. Then they asked for the proof to be attached as a PDF, then they denied me. Then I did a complaint against them in XXXX review and got a response from their XXXX saying this : Claim XXXX was filed on XX/XX/year>, regarding a transaction for the merchant XXXX totaling {$99.00} that posted to your account on XX/XX/year>. Based on the information provided, our Claims Assistance center investigated this dispute. Our Claims Assistance Center determined no errors were found involving these transactions. 

Due to out Claims Assistance Center not receiving the information that they requested from you, the decision was based on the information that was available. While we understand provisional credit was initially received at the time when the claim was filed, based on the Claims Assistance Center research the provisional credit was reversed on XX/XX/year>. Therefore, as of XX/XX/year>, your claim was closed without pay. Upon completing our investigation, we agree with the decision previously communicated to you by our Claims Assistance department. Therefore, the claim will remain closed and unpaid. 

I GAVE THEM AMPLE PROOF ALL THE PROOF ( TWICE ) SHOWING THE DUPLICATE CHARGE AND THEY ARE GOING TO LET XXXX XXXX  GET AWAY WITH FRAUD. 

I need help getting my {$99.00} back please, this is very stressful and is causing me several health issues, I currently am looking for part time work and every dollar counts. 

Thank you so very much in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on XXXX XXXX  and was not able to access the lender web portal for payment, I usually setup Auto Payments on my accounts to avoid missed payments, I did not do so on this account as it was relatively new. Fast forward, unintentionally the payment was missed, when received a certified mail from lender ( I can monitor my USPS account ) I rushed into calling the lender and clear my ledger- this was very expensive call to make. 

I never missed a payment once, this was purely due to IT issues, not fair to see such damage to my credit report which I worked very hard to maintain for access or IT issues. 

Lender : Mazda Financial Service. 
Reported : yes, to most credit bureaus and lender with no fair resolution.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be 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.

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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX, XXXX XXXX, 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 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 months that are reported late 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, XXXX 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

My homeowners insurance is due immediately, if not paid my policy will cancel effective XX/XX/2020. I have sent 3 emails to Shell Point Mortgage requesting to pay my homeowners insurance from my escrow. My homeowners insurance is due to XX/XX/XXXX and to date they have not received payment.

Shell point Mortgage is the worse loan servicer on the planet. I am sick and tired of trying to work with them. To date I can't even make a payment on my mortgage through their website, it continues to state " this account cant make payments online ''. Plus my mortgage is current, so HELP ME UNDRSTAND WHY MY account is flagged. Shell Point Mortgage forces you to call in and wait on hold for over 1 hour. This is ridiculous. They did the same thing with my 2020 property taxes, paid them late after I reported a complaint for them.

I will not be put through any inconvenience if Shell Point Mortgage fails to pay my homeowner is insurance on time. 

The homeowners insurance is scheduled to cancel in 3 days from Monday XX/XX/2020.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I traded in my XXXX XXXX XXXX at XXXX XXXX in XXXX for a XXXX XXXX XXXX. 
On XX/XX/XXXX I logged in to my Hyundai finance account and noticed my account had not been paid off. 
On XX/XX/XXXX I contacted Hyundai Finance XXXX and explained to them that I had traded in my car on XX/XX/XXXX. The representative explained they had not received my check and I needed to make a payment. I explained to Hyundai finance I had just paid the XXXX XXXX a fee for the trade in, I didn't have money left over and everyone in my household had been laid off and unfortunately i was the only financial provider. They explained because I was not the one laid off they could not help me. I then contacted XXXX XXXX and they explained they had sent out the check. I called back Hyundai Finance and they said to give it a couple of days before I call to clear the account. 
On XX/XX/XXXX I made a payment to Hyundai Finance of {$420.00} in fear of it affecting my credit score since my credit score was XXXX and I am planning on purchasing a home in the end of XXXX. 
On XX/XX/XXXX XXXX XXXX gave me a XXXX XXXX tracking number and I discovered the payment had been received by Hyundai Finance on XX/XX/XXXX ( the day before I originally called them with the concern ) On XX/XX/XXXX I received an email from Hyundai Finance confirming a payment of {$18000.00} had been received on XX/XX/XXXX. I logged into the account and confirmed the payment. I also discovered Hyundai Finance entered my payment of {$420.00} before entering the {$18000.00}, using my second payment to get the interest and principal payment. I then contacted Hyundai Finance on XXXX XXXX and explained to them the payments and the concern of the over payment. They informed me I should get a refund within the next 10 days. 
On XX/XX/XXXX I called Hyundai finance looking for my refund payment plus I explained the XX/XX/XXXX statement showed I had a balance of {$88.00}. I explained to the representative my pay off balance on XX/XX/XXXX was {$18000.00}, 2 payments totaling {$18000.00} was received by Hyundai Finance and I should in fact have a refund of {$460.00} and not a balance. She explained once the account is closed which would be on XX/XX/XXXX it will finalize if I owe more money or I get a refund. 
On XX/XX/XXXX I called Hyundai finance and the representative explained he will send another email to their finance department. 
On XX/XX/XXXX I submitted a dispute with XXXX  due to the Hyundai Finance open account that has been paid off On XXXX XXXX I get an email from XXXX  XXXX  letting me know my credit score dropped 31 points. I logged into my XXXX  account and sure enough my credit score dropped because my Hyundai Finance account is still showing active and a balance so the debt to ratio is much higher.
Product: Money transfer, virtual currency, or money service

Bank of America put a hold on some XXXX  payments i receive from customers claiming they are under review but these are customers I have history with Bank of America put holds on certain payments and I have had so much trouble getting them to help me fix it or even for them to explain the situation to me they transfer me all day long with no results
Product: Money transfer, virtual currency, or money service

My relative used Venmo to send funds to me for an item I sold to them. I have never used Venmo prior to the sale, so I created a new account using my nickname Ive used for the majority of my life. The moment I tried to transfer my money into my bank account, Venmo froze my account saying I had to verify. I provided valid ID and SSN to them and received a response saying there was a name discrepancy. I realized that my nickname was the problem and promptly provided my legal name, but it wasnt good enough for Venmo, so they decided to freeze my account indefinitely and froze every single cent in my account. I tried contacting them regarding this issue, only to be ignored and told I had to wait 180 days. This is extremely frustrating and unreasonable especially since I provided all necessary documentation and proof of my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening Someone use My Person Information With out my Authorization for the Amount of XXXX Which I took the Initiative to Pay. I do Have the Receipt that this fraudulent Accounts was Paid in Full. 
This Account Should not be on my credit.
Product: Debt collection

Complaint is regarding Shell points escrow analysis dated XX/XX/XXXX. This escrow analysis is fraudulent. As a homeowner I paid all county taxes and hazard insurance since the origination of the loan. We are requesting the help of the consumer financial protection bureau to have shellPoint give us a complete escrow accounting since they took over the servicing of the loan. I have documentation that this loan was scheduled to be paid off XX/XX/XXXX. Loan servicers could not put together a complete release. Shellpoint broke federal laws by fabricating this escrow analyst accounting. I have been paying all county real property taxes and homeowners insurance since the origination of the mortgage.

So at this time through the consumer financial protection Bureau, we are requesting shellPointe to submit a complete escrow accounting since shellPointe took over servicing rights.
Product: Checking or savings account

On XX/XX/2018 I received an email from Chase stating I will be receiving a new Debit card in the mail because mine was at risk for fraud. On XX/XX/2018 I had a fraudulent charge committed on my debt card in the amount of {$260.00} at XXXX. The transaction was in city I have never visited in my entire life. That same morning the charge was done, I immediately contacted my bank during work to file a claim. Chase temporarily credited me the money back into my account while they did their investigation. On XX/XX/XXXX, Chase issued a claim reversal stating because the transaction was PIN verified it was not considered fraud. The also stated when I called to report the fraud it was stated I had my debit card on me, which I did. So because of that they felt it was must have been me that used the card to make that charge. They did not take into consideration the email they sent to me 1 day prior to the fraudulent charge that my debit card was compromised. I was beyond shocked that after over 4 years of being a loyal client my claim was denied the for 2nd time. I felt like not only was I scammed by whoever made that charge but also by Chase, who knew my debit card was at risk and did not preventive measures to protect me. Instead, they the fraud happen and then denied it was fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Transunion informing that there are several unauthorized credit inquiries on my report and that they should be removed. To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX Inquiry Date : XX/XX/XXXX 2. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 3. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 4. XXXX Inquiry Date : XX/XX/XXXX 3. XXXX XXXX Inquiry Date : XX/XX/XXXX 4. XXXX XXXX XXXX Inquiry Date :XX/XX/XXXX 5. XXXX XXXX XXXX, XXXX Inquiry Date : XX/XX/XXXX 6. XXXX XXXX XXXX Inquiry Date :XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently discovered that there are fraudulent accounts that were opened under my name and personal information. I am not quite sure as to how this happened but the last incident that I can remember goes all the way back to XXXX of XXXX when my wallet was stolen from me when I was at the XXXX XXXX XXXX XXXX My debit and credit cards, Driver 's license and Social Security card were in that wallet. I had to obtain new cards after this incident and have not had any other theft incidents thereafter. Please help me clear this up. There are credit account and collection accounts that apparently showed up on my credit report that do not belong to me.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I began doing business with a company over the internet. They charged my Pay Pal account {$63.00} on that day, and they stated that they would make subsequent charges against that account, until almost {$300.00} was paid to them. 

I spent the weekend in the emergency room, with a family member, who has since died, and so I paid no mind to it. 

On Monday, XX/XX/2023, I discovered that the company who had charged my Pay Pal account, had done so deceptively. I contacted them, in writing, several times, and I informed them that they had broken state and federal laws, and deliberately withheld facts from me, which I was relying upon when I decided to do business with them. I asked them to delete my profile and refund me, but they refused and did neither. 

I then provided proof to them that they had had committed statutory fraud, but they still ignored me and informed me that they would continue to charge me. 

So I filed a formal complaint against that business with the Federal Trade Commission, and XXXX XXXX XXXX 

I then went to Pay pal, and tried to stop the payment, but they forced me into an automated system, which would not allow it. I called their number, repeatedly, for three days straight, but I never reached a human and I sat on hold indefinitely. Pay Pal obviously does not wish to provide any real service, since their entire resolution process is strictly " app '' driven. 

Nevertheless, it's my money and my right under the law to stop fraudulent payments. 

For the record, I am a XXXX, certified consumer affairs XXXX for the New Jersey XXXX Attorney General, and so when I say that I was defrauded, it is with the full understanding of the law and my rights. 

XXXX XXXX can not just use my money as they choose, and then ignore me. I am entitled to dispute these fraudulent charges.
Product: Credit card or prepaid card

Referencing my CFPB Complaint Number XXXX, this is a follow up submission. I have been charged a fee by Citibank dating back to XX/XX/2003, for " Payment Safeguard '' protection, a product/service that I never signed up for. I have asked Citibank to provide me with proof of me signing up for this product, but they have not produced this proof to date, simply stating that their " ... records reflect you enrolled in Payment Safeguard, formerly Credit Protector, on XX/XX/2003. In addition, we mailed you monthly reminders on your statements, which provided information about the program benefits and pricing, as well as a phone number you could have called to cancel your enrollment. '' I do not recall ever seeing anything come to me in the mail providing me with program benefits and pricing, a phone number to cancel enrollment, not even a letter confirming my enrollment in the program. My experience here sounds exactly like the experience another of Citibank 's customers had ( a XXXX XXXX just last year ) as evidenced by his story at the following link : XXXX XXXX   XXXX. My ask here, again, is that Citibank provide me with proof of my signing up for Payment Safeguard this product on XX/XX/2003.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 2 years I have been trying to get XXXX XXXX credit off of my report. I have never had a card with them, and have already went the route of the dispute. I have contacted them on no less then 50 occasions, to no avail. The account is not mine, nor has it ever been.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding multiple unauthorized credit inquiries on my reports from XXXX, XXXX, and TransUnion. These inquiries were made by various entities, including XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and others, between XXXX and XX/XX/year>, without my consent. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681b, a credit report may only be accessed with the consumers written consent or if related to a transaction initiated by the consumer. These inquiries do not appear to meet those conditions. Additionally, Section 1681m requires that I be notified when my credit is used, but I have not received any such notices.