23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

ON XX/XX/XXXX OF 2018 THERE IS A CHARGE TO MY ACCOUNT OF {$160.00} FROM XXXX, I DIDNT HAVE ENOGHT MONEY AND PEOPLE UNITED BANK PAID AND CHARGE ME {$37.00} FOR OVER DRAF, FINE THEY PAID I SAID IN MIND, ON XX/XX/XXXX I WHEN AND DEPOSIT {$500.00} AND MY NEW BALANCE WAS XXXX BECUAE THE THE XXXX THEY CHARGE WITH I WAS FINE WITH IT, BUT TODAY XX/XX/XXXX I GET BANK IN TO ONLINE BANKING AND I SEE THEY RETURNED THE XXXX TO MY ACOUNT AND THEY CHARGE ME AGAIN {$37.00}, SO THIS PEOPLE IS CHARGE TWICE FOR THE SAME TRANSACTION, I CALLED THEM AND THEY DIDN'T GIVE A SOLUTION, MY COMPLAIN THEY CHARGING TWICE FOR THE SAME, HOW UNFAIR BASICALLY THEY CHARGING {$74.00} TO MUCH MONEY.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up n accordance with the Fair Credit Reporting act XXXX  Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Citibank Mastercard account XXXX which was opened XX/XX/XXXX, and currently has a XXXX balance owing. However, XXXX is reporting that I had a late payment in XXXX of XXXX. That is not accurate. I have never been late in paying this card. I disputed the inaccurate reporting directly with XXXX and XXXX and both credit reporting agencies have corrected the inaccuracy. However, despite different disputes with XXXX, XXXX has failed to correct this inaccuracy and continues to erroneously reflect a late payment for the month of XX/XX/XXXX in the payment history. It is clear that XXXX and Citibank have failed to conduct a reasonable investigation of my dispute as required under the Fair Credit Reporting Act and the Fair and Accurate Credit Transactions Act, and have subsequently failed to correct the inaccuracy in their reporting of my payment history for this trade line. Being that I have twice attempted to indirectly dispute this through the CRA, without resolution, I now have private right of action to bring litigation against XXXX and Citibank for falsely reporting this inaccurate information ; and I intend to do just that if it not rectified with the assistance of the CFPB.
Product: Debt collection

I have disputed Omega RMS countless amount of times since 2020. I have requested all communication be dont through mail and proof of the original contract, original creditors info, wet signature payment history and proof of ownership send to me showing I authorize this with my signature or pay me {$1000.00} per violation. They have not provided any of this information and continue to call and threat me about making a payment to them.
Product: Money transfer, virtual currency, or money service

XXXX XX/XX/year> I noticed that there were charges being withdrawn from my CashApp into XXXX. XXXX contacted me as suspected fraud. I had asked Cashapp to reverse these charges. Both the withdrawal and deposit were not made by me. Ive asked to speak with someone and provide evidence and I keep getting new case numbers, mis information, and no communication. My account login was shut down completely preventing me from being able to see any update on the case. When the dispute was denied it says I can request documentation which they have still not provided. The only explanation I got was that it must be me. The only person currently residing here capable of using a phone is my XXXX XXXX XXXX son. I didnt authorize these charges and I need them returned. I rarely use my CashApp and if I had not received a fraud notice I would not have even noticed.
Product: Credit card or prepaid card

I have purchase a flight for my family for XXXX XXXX in XXXX using my Capital one credit card. When XXXX arrived my daughter had XXXX, XXXX and XXXX  XXXX and was told by the doctor to not travel. I have the doctors note of travel restriction and sent it to XXXX  for a refund of the booked flights. They agreed to refund me of the full amount. Fast forward year XXXX I wanted to use my refund in my account and i booked a flight but then my refund was missing. I was never refunded and I called XXXX  and said that my refund is gone because I dont have the same email when I booked my flights. Ive called capital one and they said that the dispute timeline has surpassed and wont be able to refund me. I have tried calling XXXX  but ive been unlucky to reach them as you need to book a flight to reach customer service.
Product: Debt collection

I am not liable for this debt with XXXX XXXXXXXX XXXX and don't have a contract with Gate stone & co. International inc . They did not provide me with the original application like I asked. Acct # XXXX
Product: Mortgage

I responded to 2 notices from Shellpoint my Homeowners Association Insurance and uploaded certificate twice. I called after uploading on XX/XX/2024 to XXXX XXXX Info on XX/XX/24 and was told they received the policy and sent something cancelling their upcoming payment to outside insurance on XX/XX/24. Tonight I received email saying its time for them to pay my HOA insurance! That's why I needed to file a complaint.
Product: Credit card

I closed my account with Bank of America approximately XXXX  years ago. When I closed it I paid the balance due ... .twice unbeknownst to me at the time. approximately XXXX  months ago I received a statement from BOA indicating the credit balance. I called them and they acknowledged the credit balance and said a refund would be in the mail within XXXX business days. Those business days came and went. Shortly thereafter I called again and was assured that the refund would be processed and send to me immediately and I would receive it in the mail within XXXX business days. Those XXXX business days have come and gone. 

This is ludicrous. 

Thank you.
Product: Credit reporting or other personal consumer reports

Recently I noticed that this account on my credit report is in violation of 15 US code 1692j. Furnishing certain deceptive forms- XXXX XXXX XXXX Original Creditor : THE XXXX XXXX {$4500.00} Account info Account number XXXX Date opened XX/XX/scrub> XXXX XXXX XXXX
Product: Debt collection

This company has called several times for a XXXX XXXX and I do not know this person and I have told them repeatedly that they have the wrong number. I have received calls from XXXX, XXXX, and XXXX XXXX/XXXX/16 XXXX, XXXX/XXXX/16 XXXX, XXXX/XXXX/16 XXXX respectively. These are only the calls I received this week.
Product: Credit reporting or other personal consumer reports

Retaliation tactics used by former lenders/credit card company resulting in inaccurate and conflicting data on my Credit Report with all 3 Bureaus. Significantly impacting my livelihood along with ability to obtain housing, transportation, and other life necessities.

What is most concerning is that the financial institution appears a bit emotional, where legal and ethical practices should take priority, especially compliance with Federal Law. A sort of double-dipping and whipping is the best way to describe it. 

Whether upset about the charge-off account or not, writing it off as a loss on their financial books and with the Internal Revenue Service on a legal form for accounting purposes, titled and quote " Account Charged off, $ XXXX, XXXX written off '', then reporting to all credit bureau 's that the account is still open with original delinquency status to current month, is not only unethical but horrible business practice and disregard for the FCRA and my rights.

If the original creditor still owns the debt, where are my notices, attempts to negotiate or collect? A write-off/charge-off has meaning. The term is supposed to be used to identify the account status, thus indicating a closure, no further collection activities from the original creditor. Once you charge it off or write the balance owed off as a loss, cease reporting activity and accurately reflect the account status, I mean isn't this the process? 

Several financial institutions are playing the " ill get you back game '' these companies are : XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Blasting the unpaid balance while taking insurance, or tax credits for the loss while still reporting after write-off/charge-off. Some even reporting monthly since XX/XX/2021n attempts to sabotage my credit standing for the next several years. 

Requesting assistance from CFPB with ensuring my credit information is reported correctly. As of today, the inaccuracy is causing confusion because the accounts should be coded in the closed status.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX i contacted XXXX XXXX XXXX to inform them that i would like a fraudulent account removed from my credit report and what actually happened was that XXXXXXXX XXXX XXXXXXXX reported it as an closed collections which is impacting my credit report, i had already requested the fraudulent to be completely removed and deleted due to some contract being opened and reported with XXXX XXXX with out any of my knowledge.
Product: Credit card or prepaid card

On my way back from my trip to The XXXX XXXX, I applied for the XXXX card on XX/XX/2021 while on the plane. The staff member was passing out applications. I had heard many good things about it and since I wanted to keep traveling I felt like it was something I needed. I got a letter in the mail saying I got approved about 3 weeks later. The was the last letter I ever received. In the last 6 months I didnt receive a card, no mail, a XXXX $ charge, ( which doesnt make sense if I never received the card ). I have called Barclays Bank to resolve this issue and they cant locate this account anywhere, and it still shows on my credit file. I have submitted XXXX disputes to close this account on XX/XX/XXXX and XX/XX/2021 because Im sure someone did some type of fraud with my information. This account shows as open on my credit file with great payment history but I havent made any payments since I have no access to it. An account number was never provided, no info was ever provided. They keep sending me emails that I have to make payments for an account that cant be located in their system and was charged XXXX $ without me ever receiving a card. I have called Barclays more than 10 times in the last 6 months and nothing has been resolved. I have good credit that I worked very hard to build and I dont want this to ruin it. I dont understand how it can appear in my credit file but yet they cant locate it with my Social Security XXXX or any of my information. Please help.
Product: Credit reporting or other personal consumer reports

Unknown inquiries on my credit report. I did not I did not authorize these transactions. Please remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

checking my credit profile ive noticed alot of information that is hindering my file with transunion. I am interested I disputing all invalid information on my credit report please update the errors reported in the files submitted asap.
Product: Credit card

Last year I called Bank of American to apply for a credit card to make a balance transfer on another credit card. The bank representative told me he recommended adding a new credit line on a credit card I already had. He told me I would be a new credit line and I wouldn't be charged interest. I noticed they have been charging me interest on new purchases I've made since last year after he told me I wouldn't be charged interest until the year 2024. I explained the misunderstanding to the bank but they refuse to take action and fix things.
Product: Debt collection

XXXX XXXX XXXXn has had two accounts for collections on my credit account I Have disputed the accounts several times because they are identify theft accounts I supplied documents supporting this and it turns out its Citibank they have sued me and now I have to appear in court to disclose my income so they can get paid this is ridiculous and unfair
Product: Credit reporting, credit repair services, or other personal consumer reports

Late Payments Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$8700.00} Dates of Late : XX/XX/XXXX Account Name : XXXXXXXX Account Number : XXXX Balance : {$1600.00} Dates of Late : XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how I was late in those months. I know I have made those payments to you. I might have gotten my statements late during those months.. But I have always made my payments on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax in XXXX regarding true name identity theft, after contacting the companies reporting incorrect information on my credit. 

My biological mother has been using my credit and SSN since I was a young child. XXXX as well as XXXX has adjusted and corrected my report, although XXXX is not investigating or doing their part. Ive submitted FTC reports as well as lists of all incorrect information and accounts that were fraudulent on my report & they are failing to delete, this is not okay to be reporting incorrect fraudulent accounts and information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 information is inaccurate.
Product: Checking or savings account

on XX/XX/XXXX I withdrew {$9000.00} from checking account but I received only {$8000.00}. The teller used the counting machine so I didnt question that it was correct. When I got home I counted the money and it was missing {$1000.00}. I went back to the bank and had them re-count it. Below are my attempts to resolve the issue. In short, I had been asking to speak to a manager and see if video had caught what the counting machine counted. Below are my notes regarding multiple attempts to resolve, or make any progress toward resolution Date of transaction $ XX/XX/XXXX - {$9000.00} Received only {$8000.00} XX/XX/XXXX - went in to bank noticed missing {$1000.00} Teller XXXX, long conversation. Teller avoiding my request to speak to a manager ( approx 20 min ) Finally said she would see if the video would show the counter machine I asked to have manager call me back regarding video XXXX XXXX, the teller called me back ( not a manger as requested. She said she viewed the video did not show counting machine XXXX I called corp customer service Rep was trying to put in a complaint about missing {$1000.00} Was on the phone for almost an hour Finally said she couldn't and that I needed to go to the branch and handle it there. 
She said she could and would file a complaint for the teller / customer service I asked that she have the bank manager call me. She agreed XX/XX/XXXX no call from the bank - or anyone I called corp customer service again - spoke with XXXX XXXX also could not file a complaint and said I need to work with branch Gave me branch managers name : XXXX XXXX- I am back in MN and stopped back in to branch - XXXX, the manager is not there. 

XX/XX/XXXX left message for XXXX XX/XX/XXXX - XXXX called me Listened to what I said had happened. Was apologetic Proceeded to tell me what a great employee XXXX the teller is and what a long history they have working together I again asked that the video be checked Now XXXX says she has to put a request in for that and it can take some time. And she is not sure if it is even available since it has been so long but would see what she could find and call me back note per above : XXXX the teller claimed she saw it and called me the next day ( XXXX ) XXXX - no call from XXXX the bank manger I called 3rd time to customer service Talked to XXXX for over an hour Was able to file a case XXXX Stated these are very difficult to file and the others probably didnt know how to do it This phone call was also about an hour long She said to expect 2-4 weeks for a response but that I would hear back and not to worry- apologized for all the delays XX/XX/XXXX no call from Huntington Investigated my options outside of the bank Small Claims court (? ) XXXX : Friend of our family who used to own a bank out XXXX. Recommend filing a complaint with XXXX XXXX XXXX XX/XX/XXXX : filed complaint
Product: Mortgage

Called the servicer to inquire about why PMI had not dropped off the loan, was told I meet all three checkmarks for the requirement but received two notices stating not eligible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  # XXXX has violated my rights. 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

I received a call on XX/XX/2018 from a XXXX XXXX, ACCOUNT MANAGER at XXXX XXXX XXXX   attempting to collect a debt owed to XXXX XXXX  XXXX   XXXX, in the amount of {$710.00}. 

I have no prior knowledge of this debt and asked for a copy of any written notice that was sent to me. I was forwarded a collection notice dated XX/XX/2018 as an e-mail attachment. In the meantime, I reached out to the creditor XXXX XXXX to find out what's going on. 

The next day on XX/XX/2018, I have received a call back from XXXX XXXX explaining that the claim processor denied the claim around XX/XX/2018. Apparently I was not informed about that by XXXX XXXX ( despite they have my e-mail and phone number ) nor claim processor XXXX. I also was notified that my credit dropped 40 points which surprised me. 

I called XXXX XXXX XXXX and talked to a XXXX, who informed me that there is a 90 days grace period for me to resolve the matter and there should be no reporting to the credit bureau during the grace period. Then I was transferred to XXXX as she handles my claim. I updated her on my findings from creditor, informed her that I am in touch with the claim processor, and wanted to make sure no reporting will be done during grace period. Not only XXXX claims it is only 30 days, she says it is running out already, also she threatened to report to the credit agency this coming Friday on XX/XX/2018, despite the fact that I was first contacted by XXXX XXXX XXXX on XX/XX/2018 and XXXX was not able to provided any proof of prior communication to me. 

I felt the collection effort is unethical and unfair as they have threatened/damaged my credit while not giving consumer any time to resolve the matter. 

I requested escalation on the matter to a supervisor and have not heard back.
Product: Vehicle loan or lease

In XX/XX/XXXX, I leased an XXXX XXXX. I knew that my first payment would be {$480.00}, and that is the amount I paid on XX/XX/XXXX. Shortly after that, I received a " welcome '' packet from Audi Financial with a booklet that states " your account information has arrived. '' In the booklet, there is a page that clearly states the monthly payment amount is {$440.00}. There are no monthly statements sent, only this booklet at the beginning of the lease. This is the amount I have been paying every month starting in XX/XX/XXXX. At no point has Audi contacted me to say this amount was incorrect. Today, XXXX XXXX, XXXX, I received a letter from Audi Financial saying my account is past due in the amount of {$270.00} - this includes {$230.00} in past due lease payments plus {$37.00} in late charges. 

I called Audi Financial to speak with someone. The person explained the amount I am supposed to pay is on the contract I signed. This is one page of MANY that I signed that day, and I distinctly remember being told the actual monthly payment amount might change - wait to get the account statement/booklet. He then explained that after 10 days, a late charge is applied to the account ; after 29 days, it's reported to the credit bureaus. I am not clear why I was not told anything about this until XXXX, if they've known I've been paying the incorrect amount since XXXX. 

I understand I have been paying the incorrect amount and will certainly pay what I owe on this account. However, I now have a much better understanding of why I was turned down for a personal loan earlier this year. I had no idea Audi had reported me to the credit bureaus without telling me there was a problem. Had they notified me earlier, I could have corrected this earlier. 

I think Audi 's leasing practices are deliberately deceptive or completely incompetent. If I could turn the car in tomorrow, I would.