23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

these is a follow complain from complain XXXX filed XXXX after XXXX XXXX XXXX transfer the loan to XXXX, I 'm still disputing the amount of the debt and try to get the servicer compliance with california code 2923.5. I hire XXXX XXXX attorney on XX/XX/2014 he file bankruptcy because XXXX, send me to foreclosure without validating the debt, did not consider me for modification I been ask every trustee for full accounting on these debt, but these people its hire just to sale the property they do n't know a true from. a factual matter.another problem its the county records aloud this fraud to continuing to happen they record fraudulent documents its well know the notary and trustees are creating false document. 
the servicer XXXX its been sued for my attorney case # XXXX. the law office of les zevie its the new trustee before was regional trustee then, XXXX XXXX and now these trustees are in federal investigation ( all ) for fraud and they keep filing notice of default without been compliance with California code 2923.5.I went to public records to file a notice of non compliance with ca 29623.5 they did not record my document. 
I m an XXXX I sign a contract for a loan where a lot of people bougth a piece of paper ( bonds ) and treasure department gave them discharge of the note. the Banks and lender are getting rich and they still sending people to foreclosure.
Product: Credit reporting or other personal consumer reports

I contacted Apple Card XXXX on XX/XX/XXXX to proactively discuss their financial hardship programs as I was currently going through a divorce and had a significant increase in monthly bills and decrease in monthly income. I was interested in obtaining a more affordable monthly payment without negative implications to my credit score. I spoke to an agent that discussed their 0 % payment program where my card would be closed for further use and the first XXXX payments would be scheduled on the XXXX of each month. 
I was assured that payments would be scheduled in the amount of {$67.00} for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX from my XXXX checking account I provided. After the XX/XX/XXXX payment completed, I would be responsible for making the rest of the payments manually through the wallet app on my iphone. 

In XXXX : * The first payment of {$67.00} came out automatically on the XXXX. 
* I made an additional payment on XX/XX/XXXX of {$100.00}. 

In XXXX : *No payment was made and did not automatically come out as I was informed. 

XXXX XXXX : I noticed negative credit bureau reporting and contacted Apple Card to dispute. They submitted a case and informed me that a XXXX would follow up with me. I did not hear from XXXX. The Apple Card XXXX did ensure payments would automatically come out in XXXX and XXXX on the XXXX. 

In XXXX : Payment in the amount of XXXX was made on the XXXX. 
I contacted Apple Card several more times to dispute the late payments on my credit bureau and account status being brought back current. The Apple Card specialists submitted a case on my behalf. I missed a call from the XXXX and attempted to call them back the same day and was unable to directly reach them regarding my complaints. 

In XXXX : I filed a credit bureau dispute and Apple Card sent back a message stating " invalid date '' and did not adequately look into my issue. 

In XXXX : Payment in the amount of XXXX was made on XX/XX/XXXX. 

In XXXX : I spoke to several collections ' agents at Apple Card about the missed payment and all of them filed a case. I currently have no resolution, and my credit report has had negative remarks since XXXX. 

I've never been late with a creditor before in my life and was genuinely going through a rough patch. I was proactive in communicating with Apple Card to find a resolution that did not hurt my credit but also show that I was making good faith in paying back my balance. 

I'm asking that all negative remarks be removed from my credit report and my account status be labeled as current. Apple Card XXXX has done a horrible job in helping their clients with disputes and furthermore should be considered predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion freezes my account at a different periodicity then they do my husbands. 

I am using my husband as an example because we have had the same experience. 

When we moved to XXXX  from XXXX XXXX- Transunion froze my credit report without informing us. They claimed that they thought my identity was stolen, however my husband 's profile was experiencing the same changes and his credit was not frozen. 

It took no fewer than 12 hours on hold, and cost us more hotel rentals and kept us from getting in to a rental property by a week. 

Today I attempted to check my credit again, and my account is frozen. There is no way to talk to a representative and I was on hold for hours. 

I want transunion to have to talk to customers before freezing account and they should have to tell people when their account has suspicious activity.
Product: Prepaid card

Using my cashapp card every time I had a problem I could never get any help. Nobody to contact
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about Experian credit bureau. 

I disputed an account error on my Experian credit report. The accuracy of my ( XXXX ) account status was incorrect and I have corresponding paperwork from XXXX and my insurance company to reflect the account as paid. 

The XXXX account has been removed from my XXXX and XXXX credit reports. However, Experian has made no changes. If the account was properly investigated then this would not be the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018 Incorrect information was on XXXX XXXX XXXX 's credit report due to a similiar name ( mistaken identity ) this information was disputed and removed. XXXX XXXX XXXX never received information in writing or electronic notice of the decision. XXXX XXXX XXXX would also request that a copy of his corrected and current credit report be sent to his lenders that have reviewed his credit report in the last 6 months.
Product: Debt collection

Pursuant to 15 USC 1692d, American Express XXXX XXXX used abusive language in its electronic mail messages to oppress me such as final, debt, collections, sue, balance and pay. American Express harassed me with these messages by sending them frequently and also calling me regarding an alleged debt. American Express XXXX XXXX violated by right to privacy by repetitiously and harassingly communicating with me regarding an alleged debt.
Product: Credit card

Hello, Yes, I got a XXXX XXXX XXXX  and I was making the payments on time and when they increased my limit, I was using the credit card thinking I could pay it off I went through the hardship program trying to get help and time to pay it off. Unfortunately, I wasn't able to, and the debt got sent to a collection agency called XXXX XXXX XXXX and they kept sending me notices even after I moved, they found out where I lived and continue to send notices through XXXX. Upon yesterday I received a letter from ANDREU, PALMA, LAVIN & SOLUTIONS, PLLC stating that I have a violation notice stating that I owe {$1500.00} and I am thinking I could get in trouble and because I am on a fixed income, I don't know how I am going to pay what they say I owe. 
Thank you
Product: Debt collection

Calvary Portfolio Servic is trying to say i owe a debt to them of {$4300.00}. When asked could they provide me method of verification and other documents to prove that i signed a contract with them, they didn't have any of this on file. there is no contract signed by me showing i accepted responsibilty for a debt.
Product: Credit reporting or other personal consumer reports

Alarming I received letter in the mail yesterday XX/XX/2024 from XXXX XXXX XXXX XXXX and more. XXXX XXXX reveal a credit score that was off the chain my credit score with XXXX was XXXX in comparison with XXXX XXXX XXXX. I used that credit score to compare with XXXX XXXX a score that I receive daily free. My credit score with XXXX XXXX is XXXX and it is reflexing a decrease in credit score because of a hard inquiry from XXXX XXXX in less than 10 days ago. So, if XXXX XXXX is not accurate then remove it from business. XXXX XXXX is a complete credit score which involves payment history, credit score, and reason why credit score is increased or decreased.it also gives credit age, Derogative marks and hard inquires. It also list total of accounts with each company.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite Zelle using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

A few days ago, I tried applying for an Amex card. I was denied because one of my loans was in mitigation or deferral. This was due to a COVID deferral. I believe this is unlawfully discriminatory under ECOA on the basis of my having exercised a right under the Consumer Credit Protection Act and under the Unruh Act on the basis of my medical condition.
Product: Credit card or prepaid card

Good afternoon, I have an AAdvantage credit card, a MasterCard, with Citi Cards. 
I was recently given an increase to {$11000.00} as my credit limit. My previous limit was {$7500.00}. An increase of my credit limit by {$3500.00}. 
On my last statement, I was charged a {$40.00} late fee. I have contacted the customer service line at Citi ( XXXX XXXX XXXX XXXX ) to contest this fee. Citi will not take the charge off despite being a good customer and having been given an increase in my credit limit. 
In XXXX, I made the XXXX payment - my minimum obligation to Citi - of {$220.00}. My check was dated XXXX and was received by Citi and credited to my account on XX/XX/XXXX. ( I live in XXXX and mail delivery is fast here. ) I made another payment to Citi on XX/XX/XXXX at the Citi banking machine ; it was received the same day, XX/XX/XXXX for {$220.00}. This extra XXXX payment was intended for XXXX - made early - because of my concerns about Covid 19 pandemic and getting my XXXX payment in. 
I was told that the second payment in XXXX was credited back to XXXX ; they could not credit that payment of {$220.00} for XXXX. 
I am still employed and working. That said, I made a payment on XX/XX/XXXX for {$220.00}. I mailed the payment on XX/XX/XXXX. Citi claims they received the payment on XX/XX/XXXX and sent an email thanking me for that payment. They also charged me the {$40.00} late fee. 
I think that {$40.00} is a lot for a late fee given that I had made a XXXX payment for XXXX. Also, even if Citi can't credit a XXXX payment to XXXX ( especially in these times ) then my XX/XX/XXXX payment should be credited on time. 
I do not understand why my payments to Citi have always been credited quickly and now it's taken Citi almost 15 days to credit my payment to my account. 
I explained to the Citi customer representative that I have been making payments ( 3 payments to Citi in XXXX and XXXX ) but that because Citi is working with a smaller crew, my payment was credited late. 
I sent my payment in ample time but believe that in-house delays at Citi ( smaller staff, working from home, etc. ) has caused the delay. This is not my fault that they credited the payment late. 
I would like my account to be credited the {$40.00} late fee because the delay was not my fault. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX, and XXXX is reporting a late payment and shouldnt be according to 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. 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.
Product: Credit card or prepaid card

My identity was stolen and used to make a fraudulent purchase on a Chase XXXX Credit Card. The amount is {$1300.00}, used for a fraudulent " XXXX '' purchase. The transaction/pickup of the merchandise was made 1 hour from my residence. Why would I have a package delivered an hour away from my residence? It is fraudulent and I will have an attorney present with me in court. This purchase took place on XX/XX/2021. A police report was made, as well as contacted the attorney generals office, and made a report with the FTC. The first attorney told me I needed to hire a private investigator and would cost me more than the charge I am currently fighting. Chase will not stop harassing me for payment for this FRAUDULENT charge.
Product: Debt collection

On XXXX XXXX 2016, I received a letter in the mail from law firm Kimball , Tirey & St. John LLP stating they were collecting a debt on behalf of another company. On XXXX XXXX 2016 I mailed a letter to the law firm requesting debt validation. However, on XXXX XXXX, 2016 the law firm already reported the alleged debt to all of the major credit reporting agencies before I had the chance to respond to their letter and request debt validation. According to federal law, 15 U.S. code 1692 ( g ) ( b ) it specifically states that a collection agency can not report a debt to the CRA 's until the debt has been validated. It also states that a debtor has 30 days from notification to request validation of the debt and the collection agency has to send proof that the debt is indeed valid. The law firm purposely disregarded my request for validation and purposely broke this statute that protects consumers and this is a direct violation under the FCRA which is punishable to a tangible extent under this law.
Product: Mortgage

I received a letter on XX/XX/XXXX stating my check was being rejected because We are unable to accept credit cards. The check itself has a stamp that said received XX/XX/XXXX. I called SLS mortgage company XX/XX/XXXX to inquire since the check I sent was through a debit card through Bill Pay. They told me they couldnt do anything and wouldnt research it further. Additionally, the representative wouldnt transfer me to a supervisor and just dropped my call. The money has already been taken out of my account and Im worried now I will incur collections and be reported for a late payment.
Product: Credit reporting or other personal consumer reports

Bankruptcy- How is this coming back verified? What methods are you using to investigate ficticious information? I have contacted this court myself. How are you getting inaccurate information that they aren't even reporting this. This isn't mines. 
Disputed accounts, student loans. How are you saying this is verified? What methods are you using to investigate inaccurate fraudulent info?
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15usc 1681 sec602 states I have the right to privacy 15usc 1681 sec 604A sec 2 it also states a consumer reporting agency can not furnish an account without my willing instructions under 15usc 1666B a credit company may not treat a payment on a vehicle under an open and consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681i 15 USC 1681b-
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because credit bureaus did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : UTAH XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), XXXX XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX   XXXX ( Original Creditor : UTAH XXXX XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX  XXXX XXXX XXXX ), XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account Number # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXXXXXX account # 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
Product: Checking or savings account

On XX/XX/XXXX  I, XXXX XXXX, used the drive through teller at BancFirst location in XXXX, Oklahoma to make a deposit of two customer 's checks made out to our company " XXXX XXXX XXXX XXXX  ''. A check from XXXX XXXX our customer, wrote a check to us for {$2000.00} and another customer, wrote a check to us for {$660.00}. The deposit totaled {$2300.00}. The deposit slip was filled out by XXXX XXXX my husband. The XXXX XXXX was signed and dated by XXXX XXXX and the " less cash received '' box was filled out for the amount of {$300.00}. I, XXXX XXXX had submitted other deposits with no issues. The teller took the deposit slip and checks and walked away from the window. The teller returned about 7-10 minutes later and stated that I could NOT have the cash back because my name was not on the account. I, XXXX XXXX asked the teller to please call my husband, because I'm supposed to be meeting him with the cash so we could both pump gas in the company trucks. The teller did not respond. Next, I asked if the teller would please return the deposit, so that my husband could complete the transaction. The teller absolutely did not respond to me. The teller sent something through the machine/vacuum tube that returned only a receipt for the deposit back to me. I drove away. I gave the receipt to my husband and told him what happened. 
So, now I, XXXX XXXX am working on my husband 's accounting ; the customer XXXX XXXX paid another payment on their account, as we have a tractor repair business and my husband has been re-vamping and repairing an older tractor for over a year now. I, XXXX XXXX, printed a statement for our customer 's account balance due. The customer did not agree with my findings, as he believed he'd paid {$300.00} dollars additional monies than we advised. So, I, XXXX XXXX looked at all of the deposits and figured out that the above deposit was NOT credited the {$300.00}. Whenever I'd reconciled the bank account, I applied the customer 's payment ( less ) than I should have ; I was looking online at the deposit recently and noticed that the TELLER at BancFirst slashed the " subtotal '' and the digital stamp on the deposit slip only reflected {$2300.00} and thus she kept the cash, because she'd refused to give it to me. 
The bank knows us personally, they know we didn't get the money. The teller had been fired and the bank is not willing to repay us. I do not agree with this decision. They will not give us the money.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of  XXXX   XXXX  30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit card

I filed an official written complaint to Citi Bank and still have not received a resolution. They acknowledged receipt and gave me a complaint number of " XXXX '' but still no response. ( documentation available if needed ) The complaint is due to the fact Citi Bank disabled my internet banking access for my credit cards 3 months ago without warning or reason. I am signed up for E-billing so I no longer get my bills nor can make payments online. I have contacted Citi Bank on numerous occasions and was told they don't know how to fix it. According to regulations a written complaint must be answered and can't be ignored so I would like a written response to my complaint from Citi Bank. 

Thank you,