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

THIS IS NOT A DUPLICATE. THIS IS A FOLLOW UP TO COMPLAINT XXXX WHICH WAS NOT RESOLVED. 

I received the letter attached from the Citibank Executive Response Unit XX/XX/XXXX. This letter references the incorrect account number, states that a check was sent to an unrelated address ( even though I confirmed the correct address 3 times, yet they managed to send a check to XXXX but the account address is in XXXX? ). Additionally, they state I requested to close the account but this was their decision and they failed to request any additional documentation due to a systems " glitch ''. 

I called the executive response unit and was assigned an investigator - XXXX XXXX, whom I have yet to hear from even though I was promised she would reach out to me within 24-48hrs ( it has now been over a week, I have called, left VMs, etc and nothing ) I called customer service various times. Asked for the previous check to be cancelled and for a new one to be mailed to the correct address ( I called Friday XX/XX/XXXX ) was told by an agent he could have this done. Called Monday XX/XX/XXXX, spoke to XXXX and she says she didn't see any request done on XX/XX/XXXX that she would do it. Called again today XX/XX/XXXX, the agent states a check was sent XX/XX/XXXX to the wrong address. I asked if I could go to a branch and withdraw the funds, she says no because the account balance is {$0.00} as the {$27000.00} was already sent .. a month ago and I haven't received it? makes no sense.
Product: Mortgage

I have recently changed homeowners insurance policy in XXXX XXXX XXXX  for the first time since inception of mortgage ; the cost of premium decreased from around $ XXXX annually to around $ XXXX annually ; however the escrow amount increased by the amount of the savings. My payments were around $ XXXX before the change of insurance to know over $ XXXX, payment should be around $ XXXX after insurance change.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is inaccurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of my disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFBP 's recent administrative proceeding ( File No. 2025-CFPB-002 ) against them for similar violation. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the account that I've marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

just recd new credit report # XXXX from trans union they have put adverse accounts XXXX # XXXXback on report 90 days late 6o days late this is cc ending in XXXX we now have a credit balence why is this back on my credit report these people are driving me crazy please get off my report
Product: Vehicle loan or lease

Logged in to mobile app to make my XXXX payment on my XXXX XXXX XXXX to find what XXXX XXXX says is a past due of over {$800.00}. I immediately called them and was told the amount was correct. The customer service rep stated that no payment was made in the month of XXXX. I told her I watch the account carefully and I know the payment was made on time. I told her I would go home and look at my records and call back. By the time I got off work and called them back, they were closed. I called repeatedly today to speak with someone but could never get anyone on the phone until I input incorrect information so I could speak to an agent. I finally was able to speak with XXXX at XXXX on XX/XX/XXXX. XXXX informed me that my XXXX payment was returned. I advised XXXX that this is not what showed online. The payment shows successful as well as cleared at my bank on XX/XX/XXXX for XXXX. I made the payment on XX/XX/XXXX for XXXX with a confirmation # of XXXX. I also went on the tell the agent that I made 3 payments in XX/XX/XXXX : payment of XXXX confirmation # XXXX ( XXXX payment ) XXXX : payment of XXXX confirmation of # XXXX ( XXXX payment ) XXXX : payment of XXXX confirmation # XXXX ( XXXX payment ) Then I just made the XXXX payment on XX/XX/XXXX. So the account is not past due and should not be reported as a late payment. XXXX uses deceptive practices and makes it hard for consumers to keep up with payments. This keeps consumers with low credit scores in the market for these subprime loans.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I submitted my valid request to the credit reporting agencies that I am a victim of Human Trafficking and according tot he FCRA 605C all negative items should be blocked and deleted from my credit report within 4 days. I've submitted my attestations form, statement stamped and sealed by a government agency and my ID for verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting child support as a loan. This reporting includes payment history. It's showing on my credit report as an installment loan. XXXX disputed with experian twice. The second time. They completed the dispute in a day. They did not change the way they reported. It is my debt, they should not be reporting it as an installment loan though.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required un-der the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who veri-fied these accounts?

You have NOT provided me a copy of ANY original documentation required under Sec-tion 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

DEPT OF ED/XXXX Account Number XXXX DEPT OF ED/XXXX Account Number XXXX DEPT OF ED/XXXX Account Number XXXX DEPT OF ED/XXXX Account Number XXXX DEPT OF ED/XXXX # XXXX DEPT OF  ED/XXXX # XXXX XXXX  # XXXX XXXX  # XXXX Also I have received a statement claiming that I owe a debt to XXXX # XXXX and that some 3rd party collection company was handling the account when the alleged company never verified this account. Since this is an error, I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; XXXX. ) Original date of default and collection activity begin. 

I AM A XXXX AND THIS FRAUD IS HOLDING BACK FROM CONDUTING BUSINESS TRACTIONS.
Product: Money transfer, virtual currency, or money service

I have went on the cashapp support over 2 years this has been a huge issue 3 days ago I noticed on my app devices on my account and in 3 days there were over XXXX devices a day connected to my account I took screenshots of the devices and then removed them and changed my pin Cadhapp did absolutely nothing but ask me for more information and my personal information and I uploaded the transactions and the screenshots of the illegal devices I filed a complaint with the police department and they have not done anything to help me out in any way it was closed
Product: Credit reporting or other personal consumer reports

I traded my leased vehicle and the dealership sent payoff late to the loan holder therefore allowing them to make negative remarks on my credit report. The loan holder indicated the institution reported that I purchased the vehicle on XX/XX/XXXX, as opposed to XX/XX/XXXX XXXX
Product: Credit card

My wife and I have A XXXX credit card ... .my wife ordered a shirt from the store @ XXXX XXXX XXXX store.The shirt arrived was great when she got the bill she called the store @ XXXX and paid the bill over the phone in full ... .the next month she got a bill that stated that the XXXX payment was returned because she paid with a debit card ... ..How was she to know that the charge payment was returned. When she called she was told that they do not accept debit cards over the phone???? Will accept in store so we got a XXXX dollar charge for returned payment and XXXX charge for late payment ... ... .if we were not in our XXXX 's they would not be taking such advantage of us We paid our bill in good faith ..was pleanty of funds ... we were never told that the payment was not accepted till it was too late. Not fair!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credence Resource Management was paid in full for 'A pay to Delete ' collection XX/XX/23. As of yet they have fail to delete and instead have update my account as balance due 3 different times with 3 different balances. I have called them every month since XXXX to resolve the account. Ive also file a dispute XXXX 2023 with XXXX and XXXX and both reported back as Dispute resolved by grantor! The information continues to be incorrect and with a new balance instead of a XXXX balance/deleted account as agreed. I turn to you CFPB now because at this point the only other help I can seek is with an attorney. This is an easy fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX - partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Mortgage

My account was transferred to Fay servicing in XX/XX/XXXX. My first payment to them was for XX/XX/XXXX which I made through their automated phone system on XX/XX/XXXX. The payment didnt go through so I called a representative and paid that payment around XX/XX/XXXX. From there forward I called every payment in over the phone. The problem at first was that they said my first payment to them was returned. But This is how I found out there was a problem. I got a letter from Fay servicing stating that My payment {$1000.00} changed to {$1300.00} because of an escrow shortage. And it would start XX/XX/XXXX. When I called to make the payment the representative told me that I owed {$1000.00} for XX/XX/XXXX. I told them that I had not missed a payment. They would not take my XX/XX/XXXX payment. I made several calls since then. I have been told everything from my payments were posted to XX/XX/XXXX, two payments were posted to XXXX, and several times I was told that a supervisor would call me within 24hrs which never happened. I was also told that I would be sent a statement showing all payments to them which never happened. Yesterday a representative told me that they had a letter from the previous servicing company saying that I was delinquent. Then she said that she was going to request records from XXXX. This appears to me to be a stalling technique. It appears that they are trying to force me to pay an extra payment which I dont have or even force me into foreclosure. Ive been in a bankruptcy which was discharged on XX/XX/XXXX and I have never missed a payment. I am a XXXX XXXX retired XXXX veteran and I would appreciate any help that you can provide.
Product: Debt collection

I am a Victim of Identify Theft. On XX/XX/2021 I pulled a copy of my Credit Report and there was a Collection account on my credit report that I had never seen before. I asked for supporting Documents from the company United Resource Systems and instead was sent a Computer Generated bill ( to my mothers address ) stating that no signature was required at time of services?? for XXXX XXXX XXXX XXXX. It does not state where I supposedly was taken and this is all the information I received. I have Disputed with the Credit Bureaus and placed a Fraud alert on my Credit Reports. I suspect this is a Family Member that may have done this but it is not my Debt. This is a clear violation of my privacy under the FCRA as it was sent to my Mothers address not marked personal and confidential. This is not my Debt, it resulted from someone using my name to avoid a bill.
Product: Credit reporting or other personal consumer reports

Your Company : A L FINANCIAL CORP is furnishing inaccurate information to the consumer reporting agencies.

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes.

The continued reporting of this inaccurate information is a clear violation of the law 15 USC 1681 s2 of your responsibilities as a furnisher of information A - L FINANCIAL CORP XXXX  Balance
: {$1700.00}.
Product: Credit card or prepaid card

XX/XX/XXXX Citi Cards Customer Service Box XXXX XXXX XXXX, SD XXXX Re : Account XXXX XXXX XXXX XXXX Gentlemen : In a telephone conversation with your agent on XX/XX/XXXX, I disputed a late charge which appeared to be waived, but was subsequently reapplied together with interest charges to my account. I normally pay my account two days prior to Citis due date and confirmed that the payment in question had been issued by my credit union timely. 

Subsequent statements indicated more fees and charges based on that same event. I disputed the reapplication and additional fees in a subsequent telephone call, however your representative declined to remove the fees and rudely told me to post payments four to five days earlier so Citi had adequate time to process them. 

I shall not allow Citi to apply fees and charges due to its inefficiencies and, as stated to that representative I shall not waste my time to speaking to rude personnel. 

I paid all current charges cited on subsequent statements, but not fees and charges. I demand said fees and charges be reversed and the account returned to a XXXX  balance. I shall not use the account until such is done. Should Citi refuse to do so, please close the account and note it was done at my request.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are all unauthorized and 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.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

XXXX and XXXX have allowed unauthorized access to my protected person data and they now have access to get my finances and hindering my ability to obtain safe housing. I am an XXXX XXXX veteran and former XXXX  XXXX XXXX who is retired on XXXX. 


They have affected my financial capability to pay and use my phone services.
Product: Checking or savings account

I called the bank due to unauthorized charges from a XXXX service since XX/XX/2018. Chase bank was only willing to refund me XXXX charges since XXXX till XXXX when in reality most of the charges happened in XXXX. There was about {$120.00} that was charged on my card in one day and their l fraud department failed to do the investigation work to refund me the unauthorized charges. When I told the representative why she didnt go back 60days from today she said thats not how it works. When I asked her if I can file a different claim she said no. Basically unwilling to work with me and gave me attitude for something that was not my fault.
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history with 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 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 XX/XX/year> 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 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: Debt collection

I disputed the collections that LVNV Funding LLC had reported on my credit report. As a result they were removed by LVNV, but less than 48 hours after they were removed from my credit report, LVNV placed them back on my credit report. LVNV reported this as NEW Collections. It is not new collections it is the same that was placed on my credit report before.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXX/XX/XXXX # XXXX XX/XX/XXXX - Balance : {$160.00} XXXX XX/XX/XXXX # XXXX XX/XX/XXXX - Balance : {$160.00} XXXX XX/XX/XXXX # XXXX XX/XX/XXXX - Balance : {$160.00} XX/XX/XXXX # XXXX XX/XX/XXXX - Balance : {$840.00} XX/XX/XXXX # XXXX XX/XX/XXXX - Balance : {$10000.00} UNIVERSITY XX/XX/XXXXXXXX XXXX # XXXX XX/XX/XXXX - Balance : {$770.00} XXXXXX/XX/XXXX # XXXX XX/XX/XXXX - Balance : {$10000.00} XXXXXX/XX/XXXX # XXXX XX/XX/XXXX - Balance : {$10000.00} XXXXXX/XX/XXXX # XXXXXX XX/XX/XXXX - Balance : {$10000.00}XX/XX/XXXX # XXXX XX/XX/XXXX - Balance : {$56.00} XXXXXX/XX/XXXX # XXXX - Balance : {$2200.00} XXXXXX/XX/XXXX # XXXX - Balance : {$1200.00} UNAUTHORIZED INQUIRIES XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX
Product: Checking or savings account

My account was held on XX/XX/2020. I have not.been given a reason of why or until XX/XX/XXXX I received a letter stating it was closed for suspected fraudulent activity. I had gone in on XX/XX/XXXX and was told in a utmost rude fashion and disrespected by one of the tellers that they closed it. So I received a statement for XXXX to XXXX closed XX/XX/XXXX statement received late XXXX. Now it's XX/XX/XXXX. I have no funds from my account. Which was over XXXX $ and I on XX/XX/XXXX receive a text and email saying my account which I have had no access to nor have I made any checks out on. Or other payments, is overdrawn XXXX $ with was the EXACT amount of the unemployment check in which they stated was fraudulent. When will I get my money refunded and how is this negative balance even allowed on the account, and how does a bank get awY with taking your money and not telling you why or when especially during a pandemic in which we are already suffering. This is inhumane. I can't qualify for funding cause of unemployment money I received but I don't even have. So how long does my family suffer and my kids go hungry because of this. It's appalling. I need my funds returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted disputes to equifax regarding two accounts on my report ( with them only, not XXXX  or XXXX ) that do not belong to me. In addition, there were numerous addresses that Id never heard of and a suffix XXXX added to my name thats not correct. It has taken a month, hours and hours of phone calls, and the issue is still not resolved. They finally today gave me an update, but the XXXX is still on my name, they added XXXX XXXX to my address for some unknown reason ( its a house! ) and told me one of the two disputed accounts was verified accurate. I called the bank in question who told me in no uncertain terms that they dont have an account with me and would not report that to equifax. Someone over there seems derelict in their duties. Im the farthest thing from a xenophobe, but I want to add that in the 10 or so calls Ive had to try and make to resolve this, every person has had the same strong accent, so they may want to reconsider if outsourcing this job to save costs is worth the loss in consumer confidence. Im beside myself right now and wish there was some recourse I could take against a company that I dont have a choice on whether or not I deal with behaving so irresponsibly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off the loan -- in full -- on XX/XX/XXXX ; that's the day XXXX delivered the check. XXXX XXXX XXXX claims they didn't credit the account until XX/XX/XXXX. 

XXXX XXXX XXXX told me it takes them 30 - 45 days to update their system ( which is outrageous because they IMMEDIATELY report if I miss a payment ). 30 days from receipt of the payoff check would be XX/XX/XXXX. As of XX/XX/XXXX XXXX XXXX was still reporting the loan open and now 90 days late. On XX/XX/XXXX ( after 45 ) the account was still listed as open and 90 days late on my XXXX  report. 

As of XX/XX/XXXX, XXXX XXXX XXXX still reporting the account as open and late to XXXX  and XXXX ; thus harming my FICO score and my individual credit rating at XXXX  and XXXX  at 60 days since I paid off the balance.