23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX - Account # XXXX. I have never been late to this company providing a payment, yet they have late payments marked on my credit report. This is in reference to 15 U.S.C 1666 ( b ). This information is not accurate In accordance with the Fair Credit reporting act the following has violated my rights XXXX XXXX -Account # XXXX, XXXX XXXX-Account # XXXX, XXXX XXXX  - Account XXXX XXXX, XXXX XXXX  -Account XXXX, XXXX XXXX- account # XXXX, XXXX XXXX - Account # XXXX 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 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 following items of information any other adverse item of information, other then 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 inaccurate.

My rights as a consumer has been violated.
Product: Credit card

On XX/XX/2024 I placed order ( order # XXXX ) for XXXX XXXX treadmill with XXXX XXXX and charged it to my CITI card in amount of {$1800.00}. When I got confirmation email with my order info from the seller I got suspicion that the website was fake and the seller wasnt legitimate since the confirmation came from private email and there was no phone number listed for the seller. I followed up with the seller for update on shipping timeline of the treadmill after couple of days, on XX/XX/XXXX and didnt get any response. After few days the website and the page for my order information stopped working, the links were no longer valid and the website completely disappeared. 

I contacted CITI customer service and reported this charge as fraudulent dispute, dispute number : XXXX. In my opinion it was fraudulent charge since the person faked website to steal money from customers and never intended to ship any of the items that were listed. CITI issued new credit card for me and I was given conditional credit during the investigation. In middle of XXXX I received phone call from CITI representative asking if I authorized this charge and I replied that I authorized the charge but didnt get the item that I ordered and that XXXX still disputing the charge since I didnt receive the item. The CITI customer representative said that the investigation would continue. To my surprise I receive the notice two weeks later, on XX/XX/XXXX informing me that the merchant provided documentation that I authorized the charge, the investigation was closed and the charge was reversed back to my account. 

I called CITI customer service on XX/XX/XXXX and talked with the billing representative that told me that the dispute should have been opened as transactional dispute and not fraudulent since I never received the item. The billing representative opened correct dispute, dispute number : XXXX assured me that it will be investigated and I should get my money back. I received confirmation email for the transactional dispute and conditional credit on XX/XX/XXXX. And one day later received notice from CITI informing me that the investigation was complete and I was responsible for the charge for the item that I never received. 

I contacted executive response unit team and got response that because of conflicting statements CITI can't assist me with resolving my dispute. There is no conflicting statements, simple fact is I purchased item from the fraudulent seller without realizing it and never received the item. 

CITI didn't resolve my dispute and made me responsible for the charge for the purchase that I never received. CITI credit card is taking side with fake merchant that scams people out of money.
Product: Debt collection

XXXX XXXX XXXX repeatedly contacted me to collect a fee I did not believe I owed. Despite communicating with them regarding my dispute they continued to add fees to the original amount claimed. They made repeated phone calls including calling me and leaving a message from an unlisted number. They have proceeded to turn my account over to The Law Offices of Charles G. McCarthy, Jr. and Associates for collection despite my good faith efforts to confirm and resolve fees owed in a timely manner to the original creditor. They failed to correspond with me for over three months following final payment to original creditor to indicate that they still claimed I owed fees and instead turned my account over to the aforementioned law office. This resulted in additional fees from the law office. The fees charged by XXXX XXXX XXXX and Charles G. McCarthy and Associates are inconsistent, unclear, and not supported by the terms of the financial agreement I signed with the original creditor leading to confusion regarding debt owed. This financial agreement specifically states that I owe expense incurred by " my provider '' in collecting balance owed. According to provider, this obligation was met when the {$30.00} collection fee was paid. Finally, law office left message on XX/XX/XXXX requesting I call. The call was returned by me on XX/XX/XXXX. XXXX XXXX at law office claimed that a letter had been sent to me onXX/XX/XXXX confirming the debt I owed. I informed him that I never received any such letter from the law office, despite residing at the same address XXXX XXXX XXXX and The Law Offices of Charles G. McCarthy, Jr. and Associates have utilized previously.
Product: Credit reporting or other personal consumer reports

This second time filing a complaint with Transunion and XXXX about the account XXXX on my account. I have filed FTC and Police Report I spoke to representative on yesterday, with Transunion told me that had information, but their not going to do anything. This NOT RIGHT and CFPB is not helping too much either.
Product: Checking or savings account

Please refer to the details and CFPB complaint number XXXX. 

Immediately upon resolution of my claim the bank closed my account on a Friday afternoon with no warning and mailed the balance of my accounts, which left me penniless over the weekend. To add insult to injury I am now attempting to apply for credit, and they also immediately cut off my access to online banking, so I cant even go in and search my account, history, print bank statements or anything. Ive reached out to Wells Fargo in an attempt to get access within the 90 day period that I am to be allowed access to my account after it was closed. No one has called me back. This is now a stranglehold over me financially when I need to get a loan for funds desperately. I cant qualify without my banking history and now Ive only had my new account less than six months. All of my rental history a lot of my history that was being used to improve my credit. All of this is in those Wells Fargo accounts. I was asked what statements did I need and I need all of them for the entire 3 1/2 year. That I banked with them. I also need to be able to search my XXXX  history and I need XXXX searches done. There is an exhaustive amount of information that I have been blocked from that. I had legal right to access and I have been trying to get this cleared for months. Please help me I cant qualify for a loan without this documentation. This type of retributive action should not be excepted. After months, they finally refunded my money from the prior claim but my punishment would be immediate closure of my account, and no access to my banking history records that is not lawful.
Product: Payday loan, title loan, or personal loan

I feel like Im being toyed with, and this has been going on for years, I think theres a tinge of discrimination here.
Product: Consumer Loan

Our vehicle is financed through Ally Financial. Ally is already known for giving higher interest rates to minorities. They have been under hot water for this act. Ally is now practicing the act of REPORTING FALSE CREDIT REPORT INFORMATION. We made a complaint through XXXX once before and the issue was resolved. After a few months the issue is happening again. They are reporting us being late before our payment is due. Example : Our payments are due at the end of the month XXXX XXXX ... ..Ally is already reporting XXXX late!!! How is that possible? It is XXXX XXXX! Each month it is the same thing. Is this because we are XXXX XXXX? 
Also XXXX people are on this loan ... ..Myself and my wife. There is different information being reported on XXXX credit reports. 
A review of our interest rate is need also. We should NOT have gotten a high interest rate because we are XXXX XXXX. That is unlawful!!
Product: Credit card or prepaid card

In XX/XX/XXXX all XXXX of my children were diagnosed with XXXX. Our only source of income, my small business, was forced to be shut down for the entire month to comply with governor 's orders. I called Wells Fargo to ask for a 2 month deferment which was verbally granted by the woman I spoke with. I was so grateful. Then in XX/XX/XXXX I saw that the deferment was not processed. I called Wells Fargo to discuss. The gentleman I spoke to said that there was a mistake and he would pass this along to the manager to remedy but the manager was out at the time. Nothing was communicated with us until I called to follow up on XX/XX/XXXX when I spoke to XXXX from the Executive Office. She said that XXXX ( Wells Fargo employee ) would be calling me in 48 hours. No one called. Then on XX/XX/XXXX I called again and spoke to XXXX. She had said that now XXXX was assigned to our case but he was away from his phone and he would be calling us back ASAP. No one called. Then on XX/XX/XXXX we received a letter saying that XXXX XXXX was working on our case and we should expect a response by XX/XX/XXXX. There was no response. I called again on XX/XX/XXXX and spoke to XXXX. She said that XXXX was unavailable but that he mailed a letter our asking for more time until XX/XX/XXXX. Then on XX/XX/XXXX we received another letter once again asking for more time until XX/XX/XXXX. Then on XX/XX/XXXX we received a letter from XXXX XXXX XXXX that there was a " delay in processing your request for COVID-19 payment assistance '' and that they processed & corrected. Finally after many months Wells Fargo Executive Offices can see what we've been saying all along. HOWEVER, they DID NOT remove any late fees or delinquent payments to our account from XX/XX/XXXX - XX/XX/XXXX. I spoke with XXXX XXXX on the phone on XX/XX/XXXX and asked him to please remove these fees and delinquent payments because we were simply waiting on Wells Fargo to get back to us on the case. He informed me that he would not do that even though no one ever informed us from the executive office that we needed to make payments while they were working on the case. So what has happened is Wells Fargo made a mistake, took 6 months to remedy that mistake and has racked up late fees and damaged OUR credit in the meantime. Wells Fargo has actually MADE MONEY off of a woman small business owner while trying to keep my doors open and raise XXXX small children in a pandemic.
Product: Credit card or prepaid card

My account was current in XXXX and minimum payment was made before the XXXX XXXX due date. I made a payment for XXXX on XXXX. XXXX. Since my payment was made before my next statement was issued on XXXX. XXXX, my payment was not applied to the minimum amount due for XXXX and on XX/XX/XXXX I was charged a late fee. I have asked to have the due date and statement date set to the same day of the month but the company states that they must keep a 1 week period in between. This is creating a black-out period where my payments are only applied to my balance but not considered against the minimum payment requirements.
Product: Mortgage

Loan documents had spouses name added after the closing date. Her name was wrote in after the closing date and signature forged on loan documents. Also Notary falsified documents stating they were at the closing. -- The Notary was not present at closing. -- Some documents by Notary state closing took place in XXXX XXXX and another document states the closing took place in another XXXX hours away from place of signing at closing.This information was found after our attorney requested information from Wells Fargo about our payments not being applied and always showing me as a late payer.Have tried for several years to refinance else where but because Wells Fargo falsified payment information other lenders could not refinance us. We recently hired an attorney and because of this they have accelerated our mortgage and are trying to foreclose our home. Once again not trying to work this out. We have been paying on the loan for ten years and due to there record keeping practices we supposedly have only paid off {$5600.00} towards the principle?? Yet we have paid {$90000.00} in interest? I could keep writing for awhile about the other stunts they have pulled on us from XXXX to XXXX. We are slaves to them and now they are trying to foreclose even though we have proof of making our payments on time.We tried to get a loan modification and after being turned down for not sending docs in on time .The XXXX different times they requested the same docs we had sent numerous times previously we were kinda given a loan modification. ( They gave us a balloon payment due at the end of the note and increased our principle balance by {$4500.00}. NO interest reduction and a second Mortgage ) Some modification huh? But I was told after paying on the modification payment for eleven months successfully that I had paid late the last month and lost the Modification.?? So I am deeper in debt than I was before the Modification. This company is a predator, dishonest and full of greed. WHAT HAS HAPPENED TO AMERICA? We are hard working, WE do not work the system. We do not live beyond our means We do not waste money on unnecessary things. Is it to much to ask that when you buy a home and make your payments, That your mortgage company applies your payment? Then when you question there accounting they try to sneak a fore closer sale behind your back while saying they are looking into your concerns. They have to be stopped other wise other honest, hard working Americans will suffer.
Product: Credit reporting or other personal consumer reports

FCRA Section 605B of the Fair Credit Reporting Act ( FCRA ) allows victims of identity theft to request that credit bureaus block fraudulent information from their credit reports.

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am currently reviewing my Experian Credit Report and there is an address that I would like to have permanently deleted. 
Below is the address that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on SOURCE RECEIVABLES MNG ( Original Creditor : XXXX ) ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Debt collection

I keep getting calls at my work office and I have told them not to call me at work. I just got another one over the weekend and they said in a harsh recorded tone that I am a person of interest and if anyone knows me or knows were I 'm at that they need to call them and let them know. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 informationisinaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not XXXX XXXX XXXX I am not affiliated with her
Product: Debt collection

LVNV Funding has sued me for a debt that has NOT been verified. They have made no attempts to contact me regarding this debt, and the documents provided by the court and to the court from LVNV Funding are reporting INACCURATE information. LVNV funding is attempting to sue me for the amount of {$1100.00}. The inaccurate information that is being reported to the court is : Last name and address. This account/debt have not been verified, and they've made no attempts to verify it. They went straight for legal action, and have violated the FCRA rights, by not sending proper communications, and giving me the option to dispute the debt. All the documentation provided by the court has a previous address, and somehow the court documents were delivered to my new address without this information being provided to LVNV Funding or the courts.
Product: Credit card or prepaid card

on XX/XX/XXXX i made a payment on the XXXX website for {$2200.00}. The website produced an error and told me to try again. i clicked pay a XXXX time and the payment went though. today, XX/XX/XXXX i see FOUR payments on the XXXX website and 2 payments in my bank account. 

i immediately called XXXX bank and they told me there was NOTHING they could do about it and i would have to wait 10 days then they could MAIL me check!!!??? what??? you can take the money instantly but you can't credit back instantly?? 

this was the fault of 53rd bank as per the technology of their web site NOT from me. 

this should have been reversed and credited back immediately.
Product: Student loan

I suffered a shoulder injury the beginning of the year, which limited mywork. I am a XXXX who is XXXX and use my XXXX for my job. I have private loans with Discover Financial andcontacted them via phone several times to see options. The responsewas that nothing could be done and I did n't qualify for deferral. Theythreated default and sending to collection. I have tried over the year topay what I could afford. Then my father passed in XX/XX/XXXX and I havebeen out of work. They have put the loan in default and are not giving oroffering any options for me to repay loan. I am not in a position to borrowfrom family given the recent events with my father 's passing. I amattempting to get back to work immediately and begin paying what I canafford. I am at a loss as to what my options are to resolve the matter.
Product: Vehicle loan or lease

On XX/XX/XXXX i applied for a car finance to XXXX XXXX XXXX XXXXl ca and i was reassured i was approved i have the messages and emails that were sent to me i went in to sign the contract i asked for a copy i wasnt given a copy i gave them XXXX and i didnt even get that back, i was told i was approved and 12 days later im told to take the car back thats its getting repoed because i was denied after i was approved and XXXX contract my finance was honda they were just giving me diferent reasons which i find very unfair and unprofessional its not fair that they make me go through this i have XXXX XXXX kids who i had made XXXX for their XXXX XXXX XXXX and now i. Cant even take them its not fair that i was lied to i have proof i even have the temprorary licnese plate with my info and the emails for the payments and there telling me i was denied
Product: Credit reporting or other personal consumer reports

In reviewing the attached credit bureau report issued by your agency, I have discovered an error mistake. The following accounts are reported inaccurately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX