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

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made 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 those account 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: Checking or savings account

I went into a Citi Bank Branch to retrieve funds on XX/XX/2019 from my account at a bank teller. I asked that all the funds in my account be given to me after providing my credentials, like my State ID and Social Security Card. The teller proceeded to ask me why I wanted to empty my account, and I explained that my account was constantly being blocked for senseless reasons. My Citi Bank account was blocked literally 72 hours before I went into the branch, which was on XX/XX/2019 to clear up a fraud block that I tried to clear up over the phone, but was lied to multiple times by representatives. When I went into the branch the personal banker was surprised that my account had been blocked for just a XXXX transaction. However, he called customer service and was able to clear it up and open a new account for me. The supervisor he spoke to said someone was calling in pretending to be me ( I had no idea about that ). Fast forward, I try to use XXXX with my newly opened account and I was BLOCED AGAIN. My online access and temporary Citi Bank card were blocked. When I called customer service, they adamantly stated my account was absolutely fine, but I STILL WASN'T ABLE TO USE MY CARD OR LOG IN ONLINE. So, I decided enough was enough and I went into a branch on XX/XX/2019 to take all my funds out of my account because I was tired of this sick GAME Citi was playing. I asked that the {$1900.00} be given to me at the teller. After the funds were given to me, I left the branch under the impression that ALL of my funds were in that envelope as I'd requested. But when I got home I noticed that I was missing {$300.00}. The envelope was sealed and never left my possession, meaning the teller had miscounted my money. I called Citi Bank Customer Service and filed a dispute about it. The representative said she would open up an investigation and someone would reach out to me in 24 hours, which has yet to happen. I am very displeased with the the HORRIBLE " Customer Service '' I've experienced thus far with this financial Institution.
Product: Mortgage

In XX/XX/year> a credit line transfer request in the amount of {$45000.00} was done over the phone with Wells Fargo by a fraudulent person through my account. There is an open investigation with my account and multiple things that occurred after this money was transferred into my personal checking account. Multiple attempts have been made by filing fraud claims through Wells Fargo, consulting with my local branch, and filing with the superior offices of Wells Fargo. There has been no communication from the fraud department at Wells Fargo. The only information I get is by going into the local branch. All they say is the claim has been closed due to no findings. One simple question is all that I have asked of them and that is to provide the phone recording of the transfer or documentation. No one can give me that information stating that too much time has passed. Seven months had passed by the time I realized this issue and made the first fraud claim. We are now at almost 18 months. I began paying the payments every month, and was told by the fraud department that that was admittance to it not being fraudulent activity.
Product: Debt collection

Someone in Connecticut utilized my information to open a cell phone account. The account went into delinquency and was sent to collections under my name. I spoke with XXXX about the issue, they verified I was not the person who opened the account and expunged the issue. I had XXXX debt collector try to collect this debt and used XXXX as an intermediary to address the issue. Trying to speak to the collection agency was not fruitful and had to open a dispute, which was successful. I know have another collection agency trying to collect on the same debt and they have sent that same debt back to collections. How is XXXX to close out an issue that wasn't mine and has been successfully resolved with the original company if collection agencies can continue to try and collect on something that isn't there and effecting my credit? I am guilty until proven innocent. I have opened another dispute to deal with this new collection agency, how many more times am I to deal with an issue that no longer exists at its point of origin?
Product: Debt collection

This debt collector has not provided notice of when the original debt occurred and submitted collection as of XXXX/2020. I still do not recognize this debt from any prior purchases. This debt collector has sent invoice documents that I do not recognize since I never made any purchases through XXXX ( original debtor ). This collection notice needs to be removed from my credit report. I did not recognize this debt and don't understand how it was even opened for collections in XXXX, 2020 so it can be related to identity theft.
Product: Checking or savings account

On XX/XX/XXXX, I paid for a good that was never delivered. I found out the good would never be delivered a day after paying for it as the seller stopped responding to me and showed upon further research on a list of known bad actors. On XX/XX/XXXX I alerted my bank ( TD Bank ) to file a dispute. They started a claims process, and credited my account provisionally. 

This claim was ultimately reversed on XX/XX/XXXX, 62 days after the charge was made. 

I called the bank several times over the next few months to get insight into what happened. In one conversation, the agent made clear that the charge had been erroneously flagged as fraud, rather than as a dispute for goods undelivered. She suggested I file a police report and fax my statement and relevant information to the bank 's claims department, which I did on XX/XX/XXXX. I heard nothing, but assumed another few months time may be warranted, given the last review took 62 days of silence and waiting. 

On XX/XX/XXXX, after giving the bank ample time, I called again. The fax had not been reviewed, and a new corrected claim had not been opened. I had to speak to yet another agent, who resubmitted the claim, presumably correctly, then fax the forms again. I was re-credited on XX/XX/XXXX. I was then later asked for further information, which I provided in detail on XX/XX/XXXX. This suggests that content, not timing was the issue. 

On XX/XX/XXXX, I received a letter stating that " The customer must notify the bank of an error, orally or in writing, no later than 60 days after we send the periodic statement. '' I notified the bank far sooner than 60 days after receiving a statement, I notified them 3 days after the charge in question. Moreover, I could not have notified them that the dispute had been mishandled within 60 days of the charge in question, as the rejection of the claim was submitted to me 62 days after the charge was made. 

Upon speaking with an agent on XX/XX/XXXX, his admission was, 'The only reason that we weren't able to credit you is the 60 day window elapsed. ' I could not have observed the 60 day window if I wanted to, due to the flawed dispute handling and laggardly behavior of the bank. 

By no account is TD Bank upholding their own rules, nor are they acting in a timely manner or in good faith. I would like my money back, and for my time to not be wasted.
Product: Debt collection

Pioneer Credit recovery called my sister, Mother-in-law, and sister-in-law asking for me. They identified themselves as debt collectors which I believe violated my privacy. After speaking to the debt collectors they reported only having my information for two days.
Product: Mortgage

I have been a first time home buyer since XX/XX/XXXX my initial mortgage was through XXXX It was sold soon after to Caliber home loan. I made consistent payments to for the loan since I've had my property. I started a refinance process Caliber back in XX/XX/XXXX I was alarmed because the initial loan officer XXXX XXXX submitted than drop my application and re ran my credit giving me two inquires. I allowed some time from now until then to pass and consider the option again after Caliber alerting me that I still qualified for refinance, wanting to pay some debt down with the equity in my home I started working with a new loan officer XXXX XXXX she started the application process for me again reassuring me that all would be taking care of and moving expediently fast to me making a payment for the appraisal of {$99.00} dollars because they had a prior approval for my refinance to now no contact of any sort and a letter of withdrawal that I never made to the company. this recent application has dragged my credit score down drastically and has left me with no communication for anyone on Calibers end. its very unfortunate that this company is allowed to treat there customers in this manner when we are making payments and effected personal by credit reports
Product: Credit card or prepaid card

THE ACCOUNT WAS CLOSED BY BANK OF AMERICA DO TO A SIMPLE FIRST TIME MISTAKE THAT I DID NOT KNOW ABOUT ... BUT THE COMPLAIN IS ABOUT THE TRAVELING REWARDS OF XXXX THAT THEY ARE SAYING THAT EXPIRED DO TO CLOSING OF THE ACCOUNT ... BUT NEVER RECEIVED ANY KIND OF NOTICE ... SEE ATTACHED FILES. THANK YOU XXXX XXXX
Product: Mortgage

I filed complaint, regading SPS Serving not providing XXXX with requested info for receive assistance package. CFPB opened case and closed without resolution. SPS and XXXX are not communicating. 

It is imperative that SPS submit requested info for XXXX so I can receive assistance package.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft. I have senXXXX XXXX XXXX certified mail, return receipt mailings, asking them to provide proof that this is my debt, such as my signature and to date, they have not responded. Also, I am providing a partial copy of my XXXX credit report, showing that a payment has been made on the account on XX/XX/2017 AFTER the account has been charged off. Under the FCRA 605 ( c ), this is a violation of my rights by trying to " re-age '' this account by falsely updating the last date of activity on my credit report in order to keep reporting the negative information longer. I did not make a payment on this account. and want this unverified account removed immediately from all of my credit reports.
Product: Payday loan, title loan, or personal loan

Don't let the public intervine with business or accounts XXXX XXXX XXXX paid for
Product: Student loan

For years I have tried to get information from Mohela, spent countless hours on hold, and received bad information when finally reaching someone. Most recently, I have spent hours trying to reach someone, but no one ever picks up or calls me back. I can't understand how I could still owe money on my federal loans, if I've made 126 PSLF qualifying payments ( per the information in my account profile ) and you only need to make 120 qualifying payments. Meanwhile I continue to be charged each month and accrue interest. If someone would just explain this to me, I could pay what I need to pay, or resolve the issue, but the information available online in my account makes no sense and you can not reach anyone for more information. 
As a more general issue, this company should be investigated, they consistently give out misleading information, and make you resubmit the same thing over and over again while never looking at their own errors or improving their processes. I work in public service, I pay my taxes, and it is infuriating to be treated like this by this company which is being paid with taxpayer dollars. Dealing with them has become a second job and a misery.
Product: Checking or savings account

I have ha d a Health Savings  Account with Bank of America for serveral years. I had saved $  XXXX  in that account and had most of it invested in mutual funds that I had chosen. In  XXXX  Bank of America upgraded its website for health savings accounts and migrated to a new site. As part of that process they sold all of my investments without my knowledge or authoization. Some of the mutual fund sales were in  XXXX  and some in  XXXX . They placed the proceeds in a cash savings account, but they have not sent me a statement or notice of the transacations on my account.     I had an online chat session with a representative at BoA ( see attached for transcript ). I was told that they had notified me and referred me to this web page :   XXXX   XXXX   XXXX   This page obscurely mentions that if I have investments I should be sure to check a box for auto invest. It does not explain that my investments would be sold. I did n't check the box because I do n't want " auto-invest '' I just want my investments to stay invested the way I had set them up.I do n't think I was given adequate notice of their intentions with my investments.
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 {$4400.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/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

I 've recently began the process of purchasing my first home for my family. Upon retrieving and reviewing my credit reports, I 've noticed 2 collection accounts listed from Portfolio Recovery Associates. After researching this company on the Georgia Secretary of State website, I 've discovered that Portfolio Recovery Associates is not licensed in my state. Also, I 've never had any contractual agreements with this company. The unlawful collection practices and negative reporting of Portfolio Recovery Associates is extremely detrimental to my home buying process, which is causing major delays. This reporting is preventing me from purchasing a home for my family. We are on the verge of being HOMELESS. I 'm truly disgusted!
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 my fiat balances on Binance.US was around {$4000.00}. A few hours later I checked back on Binance.US and my balance was {$2500.00}. So where did my {$1500.00} in XXXX  went? My account trading is also disable and I can not buy, sell, withdrawal, and deposit. I tried to reach out to Binance.US on every single social media page. I message and also email. But so far no reply. My case/ticket number with Binance is # XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XXXX XXXX XXXX letting them know I am a victim of identity theft and that 2 accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the second letter to them on XXXX XXXX XXXX  letting them know that I know they have 30 days to verify the disputed accounts and that I haven't heard from them yet. 

I sent the third letter to them on XX/XX/, letting them know that I still have not heard from them and that further action would be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I am sending the fourth letter on XX/XX/, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I will inform them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm if they have done a single thing to protect me and my credit.
Product: Credit reporting or other personal consumer reports

I can not log into the account, and Transunion keeps requesting I contact them at XXXX and when I do, it tells me it sends me a link to my phone and hangs up. We are able to log into my wifes account on same PC and same Browser but they keep telling me its a problem on my end, XXXX XXXX XXXX
Product: Debt collection

We have received numerous calls from IC Systems saying they are trying to collect a debt and they need more information from me ( date of birth, social security #, or home address ). IC Systems has never sent me a bill. They would like me to pay over the phone. The amount owed is {$88.00} and was for an XXXX performed on XXXX XXXX, XX/XX/2015. I did have an XXXX on XXXX/XXXX/XX/XX/2015 at XXXX XXXX XXXX XXXX. I called XXXX XXXX. XXXX XXXX said that I do not owe that amount. I have not received a bill yet from them as of yet.
Product: Debt collection

I already reached out to the credit bureaus and to XXXX XXXX for the account number XXXX and XXXX XXXX XXXX for the account number XXXX, notify them of their error posting for this account. I DO NOT OWN THIS DEBT, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. Continued reporting of this inaccurate and UNVALIDATED debt. I thought they had dutifully complied to the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.
Product: Credit card

XXXX my credit card was closed by US.BANK. They were {$750.00} welcome bonus haven't been cashed out
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies, including XXXX and Experian, must carry out their significant responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. As a consumer, I assert my right to ensure the non-disclosure of my private information, supported by 15 USC 6801, which declares the Congress 's policy that each financial institution has a continuous obligation to respect customer privacy and safeguard the security and confidentiality of nonpublic personal information. 

The term " ( Furnisher of information to credit agencies ) '' qualifies as a financial institution by definition under this title. According to 15 USC 1681 section 604 ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report only under specific circumstances, such as in accordance with the written instructions of the respective consumer. Both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, XXXX and Experian, lack my consent to furnish this information, and they do not have my written consent. I hereby revoke any and all consent to XXXX, Experian, and the Furnisher of information to credit agencies, whether it be verbal, non-verbal, written, implied, or otherwise. 

Referring to 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how to exercise the nondisclosure option. The Furnisher of information to credit agencies never informed me of my right to exercise this option. Additionally, 15 USC 1681C ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse item of information in a consumer report without authorization, except for records of convictions of crimes that predate the report by more than seven years. Reporting this account as an adverse item without my permission is a violation of the law.

According to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), a person is prohibited from furnishing any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations and limit the furnishing of consumer reports to specific purposes listed under section 1681b of this title. XXXX and Experian are not upholding reasonable procedures. 

Furthermore, as stated in 12 CFR 1016.7, a consumer has the right to opt out at any time. Accordingly, I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy Information giving has been resolved but not removed attached is supporting documentations account has been XXXX since 2014.
Product: Credit card

I have a Capital One card and have made 100 % of my payments. Today, I disputed XXXX fraudulent charges that we on my card. They gave me a temporary credit but when I asked them to block those merchants, they told me they can't. 

These fraudulent charges are recurring charges and even when you cancel the card and get a new number, these recurring charges will still go through and this will be charged every month. They told me they can not block the merchant so this means that they are criminals as well and working with the criminals. 

The supervisor in the fraud department was a horrendous and beyond rude and beyond unhelpful woman who did nothing to help me. 

These credit card companies are working with criminals and not preventing fraudulent charges from occurring has to be illegal and these people can not be allowed to get away with this or this entire economy falls apart.
Product: Debt collection

I requested a detailed verification of a debt I was not familiar with. I sent the letter and was sent a response that was not sufficient for me to be able to identify if the debt actually belonged to me. I did not get any satisfactory answer after their initial response.
Product: Checking or savings account

Two saving accounts, one for each of my grand children at Wells Fargo XXXX XXXX XXXX, XXXX Florida. They could not find them when I went to put more money in them. They told me to check corporate. They were not there eiher I was told. It has been 7 years back. I left the accounts alone because they did not want to help me.