23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I went online to make a mortgage payment. Online the website says that late fees will charged after the XXXX of the month. I made my payment on the XXXX and was charged a fee of {$6.00} to make the payment. I then called to ask why the payment was {$6.00} higher than my actual mortgage payment and I was told that this was the fee to make a payment online after the XXXX of the month, and it wasn't technically a late fee, it is a processing fee. But there is no " processing fee to make the payment prior to that date '' clearly making this a late fee. I was also told that I could have called and made a payment over the phone at no charge. 
This is clearly deceptive as it is not clearly disclosed on the website as the website only references there being a fee after the XXXX. They use deceptive terminology when calling them in an attempt to con the payer by calling this fee a processing fee. But in reality it is a late fee as it is only triggered when making the payment beyond a certain date. I spent 40 minutes on the phone and spoke with 4 representatives. The last one told me to call back in couple of days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE AN EXTENDED FRAUD ALERT TO BE ON ALL 3 OF MY REPORTS FOR OVER 7 YEARS I NEVER WANTED A FRAUD ALERT PLACED AT ALL DUE TO THE NEGATIVE CONNOTATIONS IT BRINGS I FROZE MY REPORTS TO STOP ANY ADDITIONAL FRAUD I WAS VICTIM TO PREVIOUSLY. THE BUREAUS TOOK IT UPON THEMSELVES TO ADD THE EXTENDED 7 YR ALERT AND IVE REQUESTED 3 TIMES TO HAVE IT REMOVED AND HAVE BEEN IGNORED I WANT THE ALERT REMOVED NOW FROM ALL THREE BUREAUS
Product: Debt collection

This is my 5th attempt or more to resolve this issue with PRA. This company has falsified a response in an effort to close out this complain. As a consumer, this is a complete violation of the fair process that the CFPB provides. Additionally the company has sent additional letters to collect a debt that has not been validated and these were sent after I requested all communications to be ceased.

This company has only provided proof of my mailing address, without VALIDATION or competent evidence that I have any legal obligation to this alleged debt.

This office continues to report invalidated information to 3 Major credit bureaus ( XXXX XXXX, or XXXX ) and this action constitutes fraud under both Federal and State Laws : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

Now that it is 30 days later, I demand Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.

Pursuant to 15 USC 1692c. ( c ) I am invoking remedy as a consumer, deletion of all alleged accounts ( ending in 2682, 5799, 6992 and 3759 ) from all credit bureaus.

I will provide every single copy of letters received, including those received after I requested to no longer be contacted, which is in violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged online to check my credit so that I can start to fix it. I found false information and credit being checked with out my permission. this has kept me for taking care of my financial responsibilities. I have been cyberbullyed becuase of my non professional investigation into my financial history and progress. 

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

I am writing with regards to the decision by Transunion on my dispute for a debt with XXXX XXXX credit card and their negative comments on my credit report. 

1 ) XX/XX/XXXX I called for a payoff amount ( {$190.00} ) paid the same and received confirmation # XXXX as proof of my XXXX  balance and requested to close this account once again. 
This was the agreed upon amount with the person that I spoke to on the phone. I believe the original balance at that time was about {$250.00}. This balance was incurred as a result of a purchase that I made for {$50.00} the rest were all fees incurred while I was recovering ( hospital and home ) from XXXX. 

2 ) The gentleman in question said that he did not have the power to eliminate all fees but could eliminate the last ones as a result of the medical condition. He said that the account needed to be paid in full right away and that the best he could do was {$190.00} which I paid immediately. I asked him for some sort of confirmation or proof of that conversation and he gave me the aforementioned number. 
I just found out looking at my credit score that you have been reporting my account as delinquent since that time ( after the payoff payment ) and that I owe you a balance. I have been calling XXXX asking for someone to help me. Finally today I was able to get someone who told me that the only way to resolve this is for me to mail them this letter. I sent the letter certified mail on XXXX XX/XX/XXXX. 

3 ) Throughout this time XXXX  continues to charge fees on an account that was paid off -leaving me with a balance {$220.00} that should never have been assessed as the account was paid off in full. 

4 ) I disputed this bill with transition and on XX/XX/XXXX - after just a few days- they advised that they decided that the charge was accurate. ( It appears that a computer not a person makes this decisions ). No proof at all of how this was determined. 

5 ) XX/XX/XXXX -- called XXXX  again to try to get this resolved- was on the phone for 45m to be told thatchy had to review the case. 

I am asking you to please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX, 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 Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX. 

Account # XXXX XXXX XXXX. 
Account # XXXX Account XXXX XXXXUS.dept of edXXXX Account # XXXXUS.Dept of Ed/XXXX Account # XXXX. Dept of ED/XXXX Account # XXXX Account # XXXX collection service-XXXX Account # XXXXXXXX XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX
Product: Debt collection

Central States Recovery called me this morning regarding outstanding medical bills. I asked for the date of services and whether they had been submitted to insurance. She replied she didn't know if they were submitted to insurance and that I would need to contact the client. She said she had mailed the debts to me but I had never received them. I advised her that I was in an active Chapter XXXX bankruptcy and she would need to contact my attorney. She told me know it was not their job to contact my attorney and they did not need to contact them. I got pretty upset because I knew she was violating my rights and said a few choice words.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report on XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX / Experian / XXXX has not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX  XXXX Account XXXX I believe it was reported in error XXXX XXXX XXXX XXXX Balance : {$13000.00}
Product: Credit card or prepaid card

XX/XX/2020 i was shopping online XXXX bought a XXXX gift voucher XXXX XXXX XXXX  card and XXXX XXXX  XXXX  that was the last i used card .. fee of 5 replacement card and XXXX XXXX  card shows up on purchases soi just dont do anything it happens all the time i have opened an account XXXX XXXX  XXXX XXXX XXXX XXXX va XXXX .. my girl and i are fussing back and forth her name is XXXX XXXX XXXX and she is out with Best friend XXXX XXXX my girl let her use her card i dont know but i know im going thru a situation of fraudulent activities being put on me and i want to clarify that a card recieved on monday ups in my name im looking at it i look at the number in the corner i call it says indiana something .. i still have the card in muy posession ending XXXX when i sign into my account card ending XXXX XXXX something like thatmy charfes i made prior weeks are showing up in all other transactions a re w pending .. something real crazy with that XXXX my emails locked out i was using XXXX my sim card gets locked ..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting two accounts in my credit profile under authorized user. Let me be clear I have never held a XXXX card much less having one in my credit report. 

Those cards that are on my profile are affecting my utilization % and this is not ok. 

Please verify and remove such accounts from the credit bureaus as soon as possible. 

I attached a copy of my Experian report, however, I have confirmed the existence of these accounts with XXXX and XXXX
Product: Credit card

I was offered a balance transfer. No interest until XXXX 2017. I took advantage of special offer and paid the 3 % transaction fee. I have made my payments prior to due date and larger than required. The bank closed my account, did not state why. Then changed my interest rate from zero per offer to a default rate. They also more than doubled my monthly payment. I tried contacting them to resolved on several occasions this month spending more than 30 minutes each time. This is deceptive marketing. I believe due to the fact the closed my account could have negatively impacted my credit which could prevent me from seeking additional credit. I have not missed any payments on any accounts ever. They chose to make balance transfer offer and received offers from them on a monthly basis. Then as soon as I took advantage, they reneged on their " offer '' so they could charge me interest. The already took a large up front fee to take advantage of this offer.
Product: Debt collection

Factor Trust XX/XX/2019 XX/XX/2019 XXXX know what this is I had a credit fraud reported in XXXX  requesting to be removed because this was not me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 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 An 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 card

Today, XX/XX/year>, I received a call from Capital One claiming that I three credit card accounts with them. Until I received the call earlier today I have no prior knowledge of having any active credit card account with Capital One. 

I did however receive a call from Capital One approximately 3 months ago in XXXX of XXXX  wanting to verify personal information for 2 credit card applications I made with Capital One. I proceeded to tell Capital One I had not applied for any credit card ( s ) with Capital One and it was an attempt on stealing my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested copies of my credit report from transunion & XXXX XX/XX/XXXX that had many inaccurateies. I called them transuinion to dispute 2 visible items XXXX XXXX ( XXXX ) {$320.00} from XXXX. I was told contact debt collectors and agencies linked to origins of account. I did and was treated very terrible and was given no information from them to verify facts. I called transunion back to update the conversations and to exercise my fair credit reporting rights. They opened their own dispute again for the multiple time. As per the same with XXXX. This is a money making business they want us to struggle and force us to higher 3 rd party law/credit building or repair instututions. I'm XXXX! I can't afford this hassle I filed with the ftc fraud alert as suggested by them and now they say send all this other requested documentations. I'm confused where and when do the rights of a United States citizen go into effect? I have been ask series of authentication questions via the web and no pertain to me. When answered correctly access is denied. Credit monitoring done out side of the United States. Does GDPR apply here? How do I know that the generated questions are nothing more than a trap to suggest worse credit monitoring requirements? They set this up in hope anyone willing to pay their 3rd party agencies to fix false information that has been applied to my credit report? They are not being honest however the little proof I have will not be admissible because they are not based inside the United States. They have lied to me over the phone. They have redirected me. They said things to make me feel like they cared and requested me services that i denied. I want this fixed per myself. XXXX- {$320.00} XXXX, XXXX {$2800.00} XXXX, are not my accounts i have done and ask all the appropriate questions. Results are unsatisfied. I'm asking for backup. My word in writing XXXX XX/XX/XXXX they are not my accounts. XXXX I assume opened them and i asked that they be removed because they are hurting me in my desired time to request emergency funding not available due to the inaccuracies. I read by law these companies can be held liable.
Product: Money transfer, virtual currency, or money service

My customer 's business email was hacked by a hacker who had set up fraudulent accounts at Citi Bank. I made two payments totaling a little over {$2.00} XXXX dollars to these accounts ; the day after the second payment, XXXX  XX/XX/XXXX, it was realized through communication with my customer that this was fraud. With the help of my bank ( XXXX  ) and a fraud investigator ( XXXX XXXX ) Citi Bank confirmed that all the money was still in the bank and was in two accounts. According to Citi Bank they immediately froze the accounts. The following week XXXX  sent copies of my police report and the indemnification paperwork to Citi Bank. The GA FBI also contacted Citi bank and was told the funds were there and frozen. 
We are over 3 weeks since this event and Citi Bank is giving us no updates, no timeline of when the money will be returned, no communication what so ever. This is causing personal XXXX  as well as financial business constraints and they are essentially holding the money in a thief and criminals account in their bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting or other personal consumer reports

To whom it may concern : When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th 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 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: Credit reporting or other personal consumer reports

It has been XXXX  months since I have sent a dispute with a notice to opt out of reporting my nonpublic information on my consumer report and I have yet to receive a response. This is why I am submitting a complaint today. Per XXXX XXXX XXXX as a federally protected consumer I am now revoking any and all authorization I the consumer XXXX have given you written, non written, verbal, and nonverbal to report the following accounts on my consumer reports. Account # ; XXXX, XXXX, XXXX. As you are a financial institution, I demand that these accounts are removed from my reports permanently. As federal law dictates, I the consumer can revoke consent at any time and of course it can be specified. If you do not believe that you must abide by this law, I will reference your XXXX and/or XXXX forms from SEC filings.
Product: Debt collection

I initially received a letter from Navient in XXXX saying they are putting me on a loan deferment even though I had never requested this. I contacted them in XXXX and told them I wanted to continue to pay my loans as scheduled and not be on deferment. They said they would reinstate my on my loan payment plan but now are charging me over {$30.00} dollars more per month ( ~ {$450.00} vs ~ {$420.00} ). 

My unpaid principal is {$54000.00}, my remaining # of payments is XXXX, and my interest rate is 1.75 %. Based off a loan repayment calculator, my monthly payment should be {$420.00}. This amount is about what I have been paying for the last 18 years! 

I'm not sure where Navient gets off charging me an extra {$30.00} dollars per month as I've always made my payments on time for the last 18 years. Your help is appreciated. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

I WAS A VICTIM OF IDENTITY THEFT AS A RESULT THESE ACCOUNT WERE OPEN UNDER MINE AND TAXES WHERE FILE UNDER MY NAME AND THESE COMPNAY REFUSED TO REMOVED THESE FRAUDELENT ACCOUNT FROM MY REPORT THAT ARE NOT MINE I HAVE PROVIDED THEN WITH ALL XXXX BANK OF AMERICA # XXXX .... 
XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 
XXXX XXXX XXXX # XXXX 

I have provided you all document of the illegality. 
Of this account. 
1- Federal Trade Commission Report 2- XXXX XXXX sheriff 's Report 3-Identity Theft Victims Complaint Affidavit 4- IRS Identity Theft Affidavit
Product: Credit card or prepaid card

On XX/XX/XXXX, I made an online payment of {$45.00} to the " XXXX XXXX XXXX '' ( The XXXX ) for club fees. 
After pressing the " Submit '' button, the website crashed. 

My card shows the transaction and posted it. The XXXX has no records of my payment on their system and my membership was not established - because they have no payment on record. 

I have immediately submitted a dispute about the transaction with Bank of America.

The transaction is STILL posted on my account and Bank of America is UNRESPONSIVE. I am a " Platinum Tier '' customer with them and as a result of their poor service, lack of responsiveness and as a matter of principle, I am in the process of transferring my business to a different bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian because they have two companies on my credit report with whom I never signed a contract. These are : XXXX   XXXX  ( aka XXXX XXXX XXXX ) and XXXX XXXX XXXX. It has been over sixty days and they still have not removed these collections from my credit report. I have never had business with either one of them.
Product: Debt collection

Debt was acquired under an inaccurate/false charge. 
I disputed this debt XX/XX/2012, XXXX resubmitted it two years latter without my being given the opportunity to dispute the XXXX collection submittion. 
Debt is in collection and effecting my credit.