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

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never 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 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: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

It is clear to me that a mistake has been made on my credit report. I disputed the accounts with the credit bureaus but end up with nothing. I could not believe they did a full investigation on the accounts I disputed because they are definitely not correct! Account payment history is incorrect, date of last payment is also incorrect. This is ruining my credibility. Please help me remove the errors reporting on XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX,
Product: Checking or savings account

I referred my brother to a CITI Bank account on XX/XX/XXXX. CITI bank has a member get member referral bonus of {$100.00}. Its been more than 6 months and I still have not received my {$100.00} referral bonus. Every time I call CITI, they say I should wait more. It's already been 6 months and they refuse to tell me when I will get my {$100.00} referral bonus.
Product: Mortgage

n XX/XX/XXXX we were finishing up on what was difficult to get modification and I XXXX XXXX all payments with correct amounts yet last one was rejected by ocwen and I had to get it back and resend than I had to verify that that was the amount owed and now that I had to reapply for modification. we were told application would be sent and nothing than after several calls now closer to XXXX there was a sale dateXX/XX/XXXX now several calls to higher up and assistance by XXXX XXXX a real estate agent and legal assistant we stopped it. we had verified all documents were received and still waiting. since they delayed we needed updated information. than XX/XX/XXXX we are informed my father was in BK which he wasn't. Ocwen refused to speak to us and never informed us further until late XX/XX/XXXX. an agent slipped agent from ocwen XXXX XXXX  said a bankruptcy case # XXXX, lawyer XXXX XXXX. XXXX XXXX XXXX that a cease ans desist was placed on ocwen loan XXXX XXXX XXXX/ XXXX XXXX  XXXX so now after 10 months of them refusing any kind of communication with us that we now have to resubmit modification documents in which submitted over 36 times with confirmation was received than need information to trying to stop sale dates. now we don't qualify due to second etc. so under duress we requested to short sale and submitted all documents now 2nd note wasforgiven and and all papers have been signed about 6 to 7 times a confirmation all docs received now a deed in which was submitted in XX/XX/XXXX ocwen agent XXXX that laws changed and that deed for XXXX XXXX is fake and that we provided false document in which it is valid recorded and this is now beyond we have signed over 5 times and submitted since XX/XX/XXXX and still I filed a complaint with the abundance department I don't know what to do anymore I need assistance and there are too many documents to submit I can and will mail to address filed for modification over 36 times on shortsale it states we never requested modification in which we did at this point we just signed under duress.
Product: Mortgage

I applied to refinance my mortgage with Chase and assumed the process would go smoothly because Chase holds the note on my mortgage. I started this process two months ago. The deal ran into one delay after another, and and I was asked to submit more personal information each time, and then we finally got a closing date. At XXXX XXXX the night before the notary was scheduled to come for the final signing, I got an email asking for proof of my employment. I luckily saw it right away and within a few minutes replied with PDFs of both my most recent paystub and a letter from my boss confirming my employment ( dated the previous month, sent to prove qualification for the COVID vaccine ). 

Then, at XXXXXXXX XXXX I got an email saying that proof of the job I have been doing for over 20 years! was not good enough, and that I needed to have my boss call them RIGHT AWAY, before XXXX, to verify my employment. All of this after I had submitted three or four paystubs all clearly showing I am paid monthly. This being near the end of the month, it was impossible for me to produce a paystub dated within the last 9 days, as they demanded. And the suggestion that I call my boss - who is actually a very important person and have him call Chase immediately on my piddly little mortgage refi was insulting. 

As soon as I paid the {$500.00} fee Chase required, it seemed as if the bank was doing all it could to scotch the deal. Information was demanded of me immediately on the most ancillary things ( proof that I own the solar panels on my roof? are you kidding me? ). I refinanced with other lenders twice before and never encountered anything like this kind of treatment.
Product: Debt collection

XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$97.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

my identity was stolen and accounts were fraudulently opened since people have been trying to collect on debts that do not belong to me that need to be removed
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I received an unauthorized Hard Inquiry from OneMain Financial. XXXX from what their website states ( XXXX XXXX XXXX ) is a soft pull ( only ) loan agency, but post application I noticed that I received a hard Inquiry. upon checking my credit report, I seen the company name OneMain Financial which pulled my credit report unknowingly which resulted in an unauthorized hard inquiry. This happened without warning, prompt, or acknowledgement this is definitely a scummy move on their part and a warning to future customers.
Product: Credit card

I received a text message from Chime on Saturday XX/XX/year> XXXXXXXX XXXX regarding an account was created for me. This is a company I have never heard of, nor I have ever conducted any business with. A few minutes later, I got emails to my gmail account welcoming me becoming a member of Chime. One of the mail is urging me to finish the setup. In the emails, I found no information of the account number or ways to contact this company to resolve this issue. I thought these must be some spam. 

On Sunday XX/XX/year>, I received an email from Chime asking to confirm the mailing address of the XXXX XXXX they were going to send me. The address is not my current address. And I have moved twice since I live there. There is no way for me to get the card to destroy if Chime send the card to that address. Again, there is no contact information on the email. If there is, I am hesitant to contact and try resolve the issue because I am unable to verify the contact info. I have receive another email on Monday XXXX that again urging me to complete the registration and setup direct deposit. I decided to ignore it. I just want to file a complaint as a record that I didn't contact Chime in any way, and mysteriously they decided to open an account for me. I hope this complaint will reach someone who can help resolve this issue with Chime. Thank you for your help.
Product: Debt collection

XXXX XXXX  charged off an overdraft account back in XXXX and we got letters from the IRS that we owe the taxes on this amount. We also have Knight Adj Bureau trying to collect this same amount, that has been charged off and again the IRS is sending us statements we owe taxes on this " charged off '' amount. 
I have challenged this credit on my credit report and Knight Adj Bureau will not remove it. 
The charge off was back in XXXX, K.A.B. opened the file on XX/XX/XXXX. 
So how can XXXX XXXX  charge it off, get a tax credit in XXXX and then sell the debt in XXXX? Seems illegal! 
Why do I have to pay taxes on this amount and also be expected to pay the debt as well? 
I have never seen or heard of this and I want it removed from my credit report immediately!
Product: Mortgage

I bought a house in XXXX XXXX with a mortgage {$320000.00} from the quicken loan company. The Rocket Mortgage is collecting money debts on behalf of the quicken loan. At the very begging of the Pandemic my wife lost the job. Then I apply for the forbearance plan and the Rocket Mortgage has approved and it has been extended up to XX/XX/XXXX of this year. 

On XX/XX/XXXX I called Rocket mortgage and ask regarding some questions regarding my payments, because my total due amount is {$34000.00}. I heard about a loan modification and I asked some questions regarding that loan modification. After couple of minutes he said that I have been approved for loan modification and he asked that can you pay three instalment {$1800.00} for three months and there after they can give a permanent modification. My English language is not good understanding of spoken language is poor. I thought about that and the amount that I need to pay less than {$160.00} amount for the modification and I consent to schedule payments. However, they didn't mention that how many instalments I need to pay. I thought that the instalments amounts are XXXX as original mortgage agreement. Thereafter I received a letter yesterday indicating that the total instalments amount are XXXX. My wife didn't know anything about that and he firstly noticed that the instalments amounts through the letter. My wife is the main borrower of the mortgage. But they didn't discussed anything with my wife. Today I called them and i informed that they misled me specially the instalments amounts. Then I asked to withdraw my acceptance. They say that They cant do that and if I need to withdraw I need to pay total amount of the dues ( {$34000.00} ) at one time. Otherwise they will foreclose my house. I need to pay regular mortgage according to the original mortgage instalment after the forbearance plan and give me chance to pay the dues ( {$34000.00} ) at the end of the mortgage agreement or whenever I sell the property.
Product: Debt collection

I am writing to formally express my concern regarding two phone calls and one voicemail I received from a representative named XXXX, who is acting on behalf of Bread Rewards. On XX/XX/XXXX no message was left and XXXX, XXXX left message requesting that I provide her with my attorneys contact information. She indicated on the voicemails that if I did not have legal representation, she strongly recommended that I obtain one to discuss the matter involving Bread Rewards. 

The tone and content of these messages have left me feeling that legal action is being implied or threatened, which has caused me significant distress. I would appreciate it if you could address this matter, as I believe these communications may not align with fair debt collection practices. 

Please advise on the next steps or provide clarification on the intent behind these voicemails.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




UNAUTHORIZED INQUIRIES : Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am being sued in the wrong venue by a law firm claiming to be a debt collector. According to the FDCPA the proper venue for this debt is the district court. This law firm does not have a valid contract after asking to validate the debt and is now filed a complaint in a state court for breach of contract when they have failed to respond by providing the contract. This is a violation of the law. They also ignored my requests to produce the contract and have not done so
Product: Checking or savings account

Navy Federal was my main bank so I just thought that the extra fees that I got charged per purchase was just their policy but with my other bank accounts it didnt work that way. I actually got to a point where I was tired of all the fees I removed my direct deposit for a while.

As Im currently writing this, I had the funds in my account, but received a negative balance. 

In the XXXX of XXXX XXXX, I received and several charges for fees on returned payments and majority of the time, there were funds in the account but due to the delay in processing payments, it led to a clashing and the fees were costing me more returned fees. Its all so overwhelming.
Product: Credit card or prepaid card

I took out a XXXX 's card and set up automatic payments. The payments didn't go through and I never got an email or letter telling me until after I got a late charge. When I called, I gave them the exact same bank account information I had entered for the auto-payment to process the payment over the phone with the late fee and it went through just fine. The person on the phone said she couldn't find any reason in the system why my auto-payment didn't go through and that the account info matched, so she wasn't sure what the problem was, but that I was responsible for the late fee even though it wasn't my fault. I had enough money to cover the payment in my checking account, so that wasn't the issue with why it wouldn't go through. I then told her to cancel the card because I wasn't going to deal with this headache every month and the person on the phone said she cancelled the card. This morning, I got an email telling me that I had a payment due on this card. I looked and there was a {$2.00} interest fee. I just called them again and was told that as soon as I paid the {$2.00} my card was slated to be cancelled in the system. This feels like extortion. How many times do I have to cancel this card before they will actually let me?! She said she would reverse the {$2.00} fee and the card would cancel, but I have very little faith that this will actually happen. I am wondering what my recourse is if they try to charge me a {$30.00} late fee on top of a {$2.00} interest fee? I do not understand how it is legal for credit cards to take advantage of people like this. I will never get a credit card through Comenity again, and as soon as I can pay off the other ones that go through their service, I will be cancelling those, if they'll even let me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  I need you to attend following shown items in this letter which contains data taken directly from my credit report which you have provided Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C 15 U.S.C. 1681 ET SEQ.Section 604 of Fair Credit Reporting Act. 

Once you have fulfilled my request, mail me and updated credit report reflecting these changes.Im
Product: Money transfer, virtual currency, or money service

I did partial transfer of multiple assets because I wanted to remain as a customer with Robinhood ( I invest XXXX ). They stated on phone and in email that it would only be {$100.00} fee charged. They have charged me {$600.00} so far and more on the way " How does an account transfer work? 
You can transfer securities and cash to other brokerages through an ACATS ( Automated Customer Account Transfer Service ) transfer. If you want to keep your Robinhood account, you can initiate a partial transfer. Otherwise, you can initiate a full transfer, and well close your account once the process is complete. 

Note that there is a {$100.00} fee to transfer your assets out of Robinhood, whether as a partial or full transfer. '' From Website
Product: Checking or savings account

On XXXX XXXX.2020 I clicked on a web link, said XXXX help. I called the phone number and the man portrayed to be with XXXX. Iwas trying to collect money on account and fix a email problem. He fraudulently talked me into downloading several apps like any desk and team viewer. He said he was helping fix the situation. He had control over my lap top and phone and and took out of my checking account using my debit card 4 transactions from PNC BANK. The amounts are XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX 
Then he hung up the phone and i knew something was wrong. I called pnc phone number XXXX XXXX. I told them about what happened the man at pnc said the money was pending and it should be okay because the had not left the bank yet and should be back on my account monday. I told them not to let the money go because it was fraud. Pnc never gave my money the next day i called and they said the man I talked to saturday should not of said that. They said i had to file a dispute once the money has left and posted.I call back and dispute it after it posted and talked to a supervisor and said i want my money back and she said they have fraud protection and she was going expedite the situation and the money should be in my account in the morning or afternoon well that never happened and i was told again by a supervisor this time that she should not of told me that. They declined my dispute because i have used bitcoin app before i said this was fraud nothing to do with what i have used bitcoin before. They opened up the case again and declined another dispute. I feel this is very unfair i have banked there for years.
Product: Checking or savings account

XXXX - I attempted to withdraw funds from my account to use for closing costs on my home. The amount that I needed to withdraw was greater than the amount that the bank allowed via online transfer or their mobile app, so I called the customer service center to conduct the transfer. 
XXXX - Transfer is reversed by the bank without explanation XXXX - Called the customer service center to request explanation of why funds were reversed. CSR indicated it was flagged because they " could not verify my identity ''. Requested funds be transferred again. 
XXXX - Called the customer service center to request an update on transfer of funds. Was told the transfer was " still in process ''. 
XXXX - Called the customer service center and was told the transfer was not initiated but the CSR could not explain why. CSR initiated a wire transfer instead of ACH and the funds transferred successfully the same day. 
XXXX - Called the customer service center to request closure of the account. CSR assisted with this process and stated I would receive an email confirmation within one business day. 
XXXX - Received a call from the bank 's fraud department. Employee stated the account could not be closed because a specific amount of funds were determined to be " unsafe ''. CSR could not explain what unsafe meant in this context. Employee stated I would need to transfer the amount of " unsafe '' funds back to their original bank, and then close the account.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charges fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. i believe these practices are unfair and I request an investigation into my account transactions.
Product: Checking or savings account

I had bank fraud occur on XX/XX/21 and the financial institution ( TD Bank ) is not paying me back or responding to my follow ups. I have filed numerous claims, called multiple times and went into local bank branch and no one calls me back to follow up... I was robbed of every XXXX I had to my name, the damages are in the area of XXXX and now I cant pay one bill and literally no one cares at this bank. I haven't a clue what to do next... .I am very hesitant to upload more personal information regarding myself since this may have been part of the problem w/ getting hacked to begin with.