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

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. 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 MONTHS REPOR
TING 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.

This company 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 card

Got scammed at XXXX gas station through secondary transaction : I stopped at the gas station between XXXX and XXXX in XXXX and paid XXXX XXXX pesos ( XXXX $ ) for filling up, while the staff at the gas station has been holding my card ( less than XXXX minute ), another physical transaction occured - for amount of XXXX USD, with the merchant registered in XXXX XXXX ( 2000 km away ). I've noticed it only when I was out of the gas station as it has been overlaid by the transaction in pesos, but it was within a few minutes since it happen and i've texted XXXX support through the chat right away ( only way to contact them ). 

Obviously, I didn't authorize this transaction in any way, nor provided any personal or PIN details. I've been told to submit a claim and terminate the card, which i've done. 

Next day I received a very detailed answer " we didn't find any fraudulent signs '' - please ask in the chat if you need any details. 
Thrown away another XXXX hours in the chat talking to basic support and than a " XXXX '', with all replies being very simillar to generated by ChatGPT telling me how sorry they are about poor experience and their hopes of it getting better in the future... 

So whenever such scam occurs- all that XXXX does is forwarding a claim to VISA ( card operator ) and then just say it's XXXX 's decision and they can't do anything else but feel sorry for me. 

To me it looks as a very obvious and straightforward fraud, which can be verified very easily- it's a pity that the approach taken by this financial institution is to do nothing to prevent this and helps such criminals to prosper.
Product: Bank account or service

I called in to close my credit card on XX/XX/2015the account was paid to zero and I was told it was closed. I have been getting notified each month that it is past due and late fees keep getting assesed due to unpaid interest. I have told now on 3 occasions that the situation is being taken care of to a bank error in not disclosing that there was going to be an addition {$12.00} to pay. They keep waiving the late fee and telling me that the account is closed while giving me confirmation numbers of this. As of today it is still not resolved and I am getting nowhere with the bank. I want them to remove the late reports as I have outstanding credit and being penalized because of their incompitance. And for someone to help me get this card closed out like I having been trying to do since XXXX/XXXX/15. I am beyond frustrated and about to lose my mind over this.
Product: Checking or savings account

My account with Citibank was closed without notification or explanation on XX/XX/year> after being loyal customer of about 14 years with no history of bounced checks, limit violations, or any other compliance issues. I checked my account during the morning with no access or balance discrepancies. I had a checking account with about {$3300.00} and a savings account with about {$2.00}, XXXX. I'm on XXXX XXXX XXXXXXXX and my funds are locked up at Citibank for 30-60 days making it impossible to pay my bills. I also paid my life insurance with bill pay and it hasn't cleared for another {$300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported to TransUnion on XX/XX/XXXX that my auto loan account was closed and charged off. This closed status has remained on my credit report since then. I still continue to make payments on the vehicle I continue to have possession of. 
I recently checked my credit report and XXXX has now re-aged the closed account date to XX/XX/XXXX. This is a violation of my consumer rights and a violation of the FCRA. XXXX XXXX XXXX is Re-Aging the account to appear as though it is a newly closed account. The account just reached it's 2 years closed mark. I will continue to use my previous credit reports and supporting documentation to fight against this violation.
Product: Mortgage

I have requested mortgage assistance due to ( salary reduction due to COVID impacts ) and completed all required paperwork. The mortgage servicer has continually requested documents that we have already provided even though we have had verbal insurances that all of our documentation was correct. The servicer eventually stopped accepting mortgage payments, although we have continued to submit documents and to get assistance. The mortgage servicer 's rejection of our application was based on erroneous information, or false information ( for instance, the mortgage servicer stated that we did not qualify for a repayment plan because we " did not submit sufficient financial information to determine if our income could support the proposed payment ''. This is not true. We repeatedly all of the information that was requested. Based on these and other errors, we appealed the denial. We were then told to resubmit a request for payment assistance. We would just like to get this resolved, but we feel as though we are getting the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been locked out of my transunion credit report for over a year. I have contacted them numerous times including XXXX and two weeks prior. They have told me several times that it will be fixed and they are mailing me a copy of my credit report. This has not happened. I am certain there are errors on their report and need access to this. I appreciate your help in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion and spoke with a CSR name XXXX. I explained that I was a victim of their inquiry issue. ( I explained that this was their fault due to TransUnions server error, and that is is illegal for the company to place these inquires back on my report without proper and accurate verification or notification to me in writing that these inquires would be re-added ( FRCA 611 ). The inquiries that need to be remove are : ( XXXX XXXX ) ( XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX ) ( XXXX XXXX XXXX XXXX XXXX  ) ( XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have written to Experian many times since this account closed and they continue to report it late when it is actually closed. They made a correction for month of XXXX but they reported late in XXXX. Please have them make correct status of this account. It has been closed since XXXX by bank. They made XXXX entries on my report in the month of XXXX. I have gotten an alert for month of XXXX.
Product: Credit reporting or other personal consumer reports

Companies Involved XXXX. Trans union XXXX. XXXX XXXX. Experience XXXX. Deserve XXXX. XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX reported my account as a charge XXXX XXXX of {$770.00} as of XXXX. However, they continue to report the account as active with late payments with the recent report being XX/XX/XXXX. I have tried to have the issue corrected with the XXXX credit bureaus, they claim to have done an investigation into the issue but continue to report this account as current. 

Deserve on the other hand claims my account is collection for an amount {$1800.00} in XXXX. They continue to report the account as active with the recent report being on XX/XX/XXXX. The credit bureaus have been of no help in addressing this issue. 

XXXX XXXX XXXX charged off my account for an amount of {$530.00} in XXXX. I requested the credit bureaus and first premier to stop reporting the account as active since XX/XX/XXXX. They continue to report the account as active with the recent date being XX/XX/XXXX.
Product: Checking or savings account

To Whom It May Concern, I am writing to file a formal complaint against Santander XXXX related to the handling of a dispute over unauthorized transactions on my account. I reported XXXX unauthorized transactions totaling approximately {$13000.00} on XX/XX/2024. These transactions occurred on XXXX XXXX XX/XX/XXXX, and I noticed them on XX/XX/XXXX. I promptly reported these to Santander on XX/XX/XXXX. After an investigation, SANTANDER XXXX informed me on XX/XX/XXXX, that my claim was denied due to what they termed " inconsistencies '' in my report. I have sought clarification on these inconsistencies and have provided additional documentation and evidence to support my claim that the transactions were indeed unauthorized and not made by me or with my consent. Despite my efforts to resolve this issue directly with the bank, including a request for appeal of their decision with further evidence and a detailed explanation, Santander XXXX has upheld their decision to deny my claim and says that they can not accept an appeal of my claim. This decision not only leaves me liable for the unauthorized charges but also raises concerns about the banks dispute resolution process and adherence to Regulation XXXX requirements.I believe that Santander 's handling of my dispute has not been in compliance with the protections afforded to consumers under the Electronic Fund Transfer Act ( XXXX ) and Regulation XXXX Specifically, I am concerned about the bank 's : Investigation process and the rationale provided for the denial of my claim. Especially noting that I have a police report formally filed for this reason. Compliance with the provisional credit requirement under Regulation XXXX, given the nature and timing of my report. Overall responsiveness and transparency throughout the dispute resolution process.I am requesting the CFPBs assistance in reviewing my case, ensuring that SANTANDER complies with federal regulations protecting consumers in electronic fund transfer disputes, and helping to secure a fair and just resolution.
Product: Credit card

On XX/XX/XXXX, I made a purchase at XXXX XXXX. The total amount of the transaction was {$190.00}. My Affirm Debit card was authorized for {$100.00} and I used my XXXX card to authorize {$92.00}. However, Affirm is trying to assert that I owe them {$190.00}. I was pressured into putting the {$190.00} on a loan agreement because they told me that if I didn't, they were going to withdraw {$190.00} from my back account. I called to dispute the amount of the transaction. I submitted a copy of the receipt from the store as well as a screenshot from my XXXX card mobile app showing that the Affirm card was only authorized for {$100.00} and my XXXX card was authorized for {$92.00}. I was told that the dispute would be resolved and I would get an email from " the appropriate department '' within XXXX to XXXX business days. When I called back after the XXXX to XXXX business days, I'm being told that I have to wait another XXXX to XXXX business days. Also, now all of a sudden they have a high volume of disputes and it may take longer than normal, but none of that was mentioned when I first filed my dispute. I'm being given the run around because they are trying to steal my money from me. I've spoken to multiple unprofessional representatives that tried to feed me lies and talk to me as if I'm stupid. When they realized that wouldn't work, they lie and say that my case has been escalated. I have given them enough time to fix the issue and they refuse to retify the problem.
Product: Credit card or prepaid card

On XX/XX/23 I tried to submit payment in order to use my American Express card. I used the chat function as Ive done in the past. I initiated the chat around XXXX. It was 10 minutes and no agent joined the chat. So I sent feedback to the company online describing how long its taking to get an agent. I also checked that phone had the latest version installed and theres no issues with my XXXX browser which is how I accessed the chat. I was not using an app. I changed the password for the site as well then logged back in. I then tried to start another chat around XXXX. My several chats disappeared and the company sent chats making it seem like I never responded to their messages, which wasnt true. When I tried to get confirmation for payment and the timing it would post they changed the amount. I declined the whole transaction. I asked if it was an advanced persistent threat. This wasnt the first time Ive had issues with chat. I took screenshots of the issue. I sent the screenshots to the American Express XXXX account. The account states a response within an hour yet I never received any response to my messages. In addition, as soon as I sent feedback to the online site, the people who reside next door to me started chatting about my issue without me verbalizing what I was doing at the time. Ive sent police and several states and federal agencies complaints about being monitored electronically by individuals. The XXXX harassment and stalking I endure makes it feel like trafficking. I believe this is trafficking.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I called my Creditor XXXX XXXX last night XXXX XXXX/XXXX/XXXX XXXX one day prior to my due date ( XXXX XXXX ) to pay  XXXX toward my balance of XXXX} The female clerk that took care of the transaction over the phone charged me the whole balance of XXXX instead of the XXXX that I had only authorized, for this reason my account was severely drained since it was a debit card transaction. 
I told her to reverse the charge immediately and She proceeded to say she could n't reverse the payment and that I needed to call my bank.I had no other option but to call my bank I called my so called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and turns out they wo n't help me either. They claim that city bank has the funds. None of these two institutions will refund my money. 
In a matter of hours my account will be negative due to previously programed payments. 
I need my funds to be returned immediately. Not in 3 to 35 business days as they said. 
XXXX has stolen XXXX from me. And I need my money returned immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I have not been checking my credit. Recently as an account with your name addresses a different Social Security numbers. The following are fraud accounts name addresses thats on my credit report. Accounts : XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone numbers : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX  XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX 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: Credit reporting

Transunion shows that I owe XXXX XXXX {$2600.00} but this account has been paid in full since XXXX/XXXX/2015
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified account, PHOENIX FINANCIAL XXXX XXXX, is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the account :
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently settled the amount that XXXX XXXX XXXX accumulated over a late fee charge, interests over several months and annual fee for a credit card that was linked to my checking account that I closed ( to use for online payment and billing statement access ). In XXXX XXXX, my last online payment was {$380.00}, paid in full as I closed my checking account, I had no access to the online statement and closed this credit card. Apparently in XXXX XXXX, balance was {$29.00} including {$1.00} fees charged. I did not receive any notification of my balance owed. In XXXX XXXX, fees were charged, balance became {$31.00}. The fee charges continued for several months without my knowledge. No phone call or mail to notify me that I still owe them on this credit card. During this time, there were no activities or purchases on the credit card. The XXXX statement showed an annual fee of {$50.00}. By XXXX XXXX, the total amount, balance was {$90.00}. They indicated 'charge-off adjustment '. I did not learn about these charges and amount owed until XXXX when a serious delinquency was reported to the credit bureaus and this caused derogatory information in my credit score. I contacted the creditor in XXXX XXXX to work on a settlement. I asked for hard copies of the billing statements because I had forgotten about this account from XXXX. 

I called and asked one of the Supervisors to waive the fees charged over the months as they failed to notify me, I did not have access to the billing statements online. There was no way for me to know I owed them any balance since I closed the account. The creditor refused my offer and demanded that I pay the full balance. 

As I was applying for credit on a big purchase this year, this came back to haunt me. The serious delinquency report lowered my credit score. I called, lost the battle and paid the balance of {$90.00} on XXXX XXXX, XXXX. The representative assured me that I will get a letter in 10 business days to confirm that this has been settled and that derogatory item will be removed from my credit history. Three weeks had passed and I have not received the letter. I disputed with the Credit Bureaus but uncertain on what actions have been taken on their investigation.
Product: Money transfer, virtual currency, or money service

On Saturday, XX/XX/2023, I received a message from someone called XXXX XXXX. She indicated she was interested in purchasing a sofa that I had placed on XXXX XXXX. After some discussion, I agreed to sell it to her. She asked if we could use Zelle and I said okay. She tried to send me {$100.00} via Zelle and sent me a screenshot showing this. I then received a message via text from " XXXX '' indicating that the buyer needed to send {$300.00} in order to " upgrade to a business account ''. XXXX said she could do this and sent me a screenshot showing me this. Then she sent me info " to refund her ''. So I did. Then I received a message from Zelle indicating that I needed to pay for a refundable certificate fee of {$500.00}. I have screen shots of all of these messages when/if you would like to see them- including the whole conversation with " XXXX ''. I ended up paying the {$300.00} and the {$500.00} before XXXX  and realizing I was being scammed. The names on the Zelle accounts where I sent money were XXXX XXXX and XXXX XXXX. I have reported both transactions to Zelle. I am in the process of disputing the transactions through XXXX XXXX. I plan to also file a police report.
Product: Credit reporting or other personal consumer reports

I am filing 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 accurate, 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 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 CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. This is for accounts XXXX, XXXX and XXXX.