23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I logged on to one of my Citi/AAdvantage accounts to make a payment and discovered that the account, with no notice or explanation, had been closed. I logged on to my other Citi/AAdvantage account and discovered the same thing had occurred. 

I talked to three separate customer service representatives, not one of whom had any idea why my accounts had been closed. 

In the meantime, I received letters from Citibank after the fact that my accounts had been closed because I had one or more late or returned payments. 

I made an online appointment with a Citibank representative, who called the credit card division, and was told that I had a few payments that had been returned. None of those payments resulted in a late fee, as the minimum amount due each month had not only been met but also surpassed. The representative with whom I spoke said she had never heard of such a thing as an account being closed because of returned payments, especially those that were in excess of the monthly amount due. 

She filed a request for a review of my accounts, and I was notified two days later that the accounts could not be reopened because I had one or more late or returned payments. The reason there were returned payments in the first place was because on those few occasions they were not showing up on my available credit and I chose to make the payments to another card where they did show up immediately and thus allow me to earn points. 

First, I have not had one late payment on either account since opening them. Second, the returned payments were not due for payment at the time. Third, the Late Payment Warning on my statements is that if minimum payment is not received by the due date that I might incur a late fee and my APR may be increased. Nowhere does it state anything about returned payments that do not constitute minimum payments. Finally, I did not get so much as a letter of warning or explanation, in which case I would have not had the payments returned. 

I see no reason, given my history of prompt payments on my accounts, that Citibank could not have simply reopened my accounts ; instead it has caused great damage to my credit score. I request Citibank reopen my accounts so I can continue to be a valued customer. 

Thank you.
Product: Debt collection

I received a letter from Stellar Recovery for an alleged debt in the amount of {$620.00} on XX/XX/2017. I responded to the letter requesting debt validation on XX/XX/2017 via certified mail. Letter was delivered on XX/XX/2017 but the credit agency never responded for which, they should have responded within 30 days. The said debt collector is now in violation of FTC compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXXXXXX Date Opened : XX/XX/2014 Balance : {$4600.00}
Product: Checking or savings account

I submitted a complaint on the actual day and time when it happened because I never left the ATM machine .The person from the company on the XXXX number told me I did not need a confirmation number or a complaint number. If any thing he has my name he submitted the claim he has my account number.I went into the bank to retrieve my card and show them the receipts from the error at their ATM machine with my cash and they said they had no record of such claims .I HAVE RECEIPTS, IT HAPPENED AT BRANCH BANK NOT RANDOM ATM.
Product: Mortgage

My HELOC was apparently sold by GMAC to OCWEN. A lien placed on my property and I and the title company that is working with my request for refinancing can not locate anyone to make payments to or otherwise clear the lien. 
Moreover I was told the true name of that lien holder was XXXX. 
This all occurred inXX/XX/XXXX-XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was still incorrect when I reviewed it again. You need to validate this account and fix its status. My credit report includes the following erroneous information regarding this account that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance Owed : {$1200.00}
Product: Mortgage

I have been trying to do a modification with Selene Finance. The modification started at my previous bank, because of the reduction of income during the pandemic in XXXX, but my bank sold the loan to Selene. However, this bank has been really inconsistent dealing with the paper work. One agent said, " Yes, I have all of your documents, '' the other one said, " No it's incomplete. '' I have used different methods to send this paper work, one of them via email, and they said some papers were not legible, and then I used Priority Mail which apparently they said, yes they received it, others said no. I have noticed that they are not helping me, but are doing things to deceive me. Then I asked for a repayment plan and one of the agents gave me the quote to pay 7 payments, plus monthly payments for 6 months. I agreed and they gave me 24 to 48 hours to make I the payment. I did it, before the 24 hours were up. Then I decided to call the bank, and two of the agents said that the person I had spoken to was not entitled to that decision, she needed a XXXX 's approval. The next agent gave me an XXXX number, and an account number and the payment was returned, I sent it by a wire transfer and they returned it back to me. After that, I was really upset and called the bank, they said that I needed to make 12 payments instead of 7. Today I called the bank again, two days later, and now they're saying they need the 14 payments. They sent the new modification papers but I am afraid they will just initiate foreclosure. Right now, I am willing to make 12 payments to my account, however, I am afraid this won't work either because of the inconsistent communication. I have read reviews from this bank, and to my surprise, they have horrible reviews and horror stories of families who have been affected by their lack of credibility and customer service. Please, help me with this situation because I feel this bank is not taking me seriously.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Mortgage

I have been trying to get a payoff statement from my former Mortgage company, US bank home mortgage, Last Monday I called to request this and they could not send it to me that day, instead they could email it to me within 3 to 4 days via XXXX secure server. by Friday I still had not received it and so i called them again, they said they would fax it over to me with in 10 to 15 minutes and put in a rush request for it to be emailed to me and also told me that normally it would actually take up 7 days but it is scheduled to be emailed by monday. I never recieved the fax on friday. so I called AGAIN today and they stated that the rush request had been viewed and opened but NOTHING had been done about it, but it is scheduled today to be emailed sometime today and they could not give me a time. i needed this letter last week not to mention they STILL have not reported this home as paid of with a clear title since it has been paid off since XX/XX/2016.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is my name and I am a victim of Identity theft. I have been reaching out to these companies since XX/XX/2023 stating that these are not my unknown inaccurate accounts but they have been ignoring my letters. By Law these companies are not to report anything on my behalf without my written consent and that they are to investigate to make sure that the information reported is 100 % accurate. Each company is reporting something different on each account, which is a violation of the FCRA. These companies continue to violate my consumer rights and is negatively tarnishing my name. I have experienced XXXX XXXX, financial hardships, and embarrassment due to this inaccurate unknow information reporting on my credit report. I am not being treated fairly and I want these companies held accountable for breaking the law!!!!
Product: Credit reporting or other personal consumer reports

I hope youre well. Im reaching out for your assistance in updating several accounts on my credit report. Some of the information is outdated or incorrect, and Id like to ensure my report accurately reflects my current financial situation.
Product: Checking or savings account

On XX/XX/XXXX, I received a text claiming to be the XXXX saying that a delivery could not be completed and I would need to pay for a redelivery. 
I clicked on the link on my phone and entered my card information. 
I now know it is a common scam tactic. 

The charge was supposed to be for XXXX cents but I immediately received an email from my bank saying my account was in low fund mode, and a charge of {$990.00} so I knew something was wrong. 

I headed straight to PNC bank to explain the situation and they removed the hold on the charge but said it might still post. It posted XXXX days later on XX/XX/XXXX. I disputed the transaction and waited while the bank investigated. I received a provisional credit in the meantime. I also headed to a local police station and filed a police report numbered XXXX. 

I received a letter today, XX/XX/XXXX, saying that the bank was going to debit my account the amount and the reason provided was because I authorized the transaction as the only explanation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account shows XXXX late payments that states I was XXXX late on making payments on XX/XX/XXXX and XX/XX/XXXX this is not true by law I am promised accuracy in my credit report pursuant 15 usc 1681i concerning my dispute with Indigo regarding the inaccurate late payment reporting on my credit report. I believe that the information reported by XXXX is incorrect, and I am seeking further investigation and correction based on the following facts : XXXX. Proof of Payment : I provided statements showing that I paid the bill in question, and I made an additional payment in XX/XX/XXXX. Specifically, on XX/XX/XXXX, I made a payment that was less than 30 days late. Under federal law, creditors XXXX only report late payments if they are 30 days past due. XXXX improperly reported this payment, which was not yet 30 days late, as delinquent. 


XXXX. Failure to Provide Required Statements : XXXX has claimed that I had knowledge of a payment due in XX/XX/XXXX. However, I never received the required statement. Under the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act, creditors are required to provide billing statements at least 21 days before the payment due date. In this case, I did not receive such a statement, as it was sent to an address where I was no longer residing due to an eviction ( see Exhibit 1 ). As a result, I was not properly notified of the payment due, which is a clear violation of my rights under the CARD Act.

3. CARES Act Violation : All of the falsely reported late payments occurred during the COVID-19 national pandemic. Under the CARES Act, specifically 15 USC 1681s-2 ( a ) ( 1 ) ( F ), if a consumer brings a credit obligation or account current during the period described, the creditor must report the account as current. XXXX failed to follow this legal requirement and continued to report these payments as late, even after I brought my account up to date.
Product: Credit reporting or other personal consumer reports

CFPB XXXX I have discovered accounts and inquiries in my consumer report that are a consequence of identity theft. These entries are not associated with any transactions conducted by me. I have made attempts to reach out to the companies directly but have been unsuccessful. Enclosed, you will find the FTC report, my consumer statement, and documentation verifying my identity. 

What is a fair resolution? 

It is essential for the companies concerned to act justly and fairly towards me as a consumer by eliminating this erroneous information from my consumer report. 

I, XXXX XXXX XXXX, wish to formally report an incident of identity theft. It appears that an individual has unlawfully accessed my personal information, including my XXXX XXXX XXXX, and has attempted to open multiple accounts in my name. Consequently, I have observed numerous unauthorized credit inquiries on my credit report. These inquiries originate from the following institutions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these inquiries are unauthorized, as I did not initiate any applications for these accounts or loans, and they should not be present in my credit report. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX regarding their financing practices and customer service. This matter pertains to a promotion I signed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX on XX/XX/XXXX ( XXXX XXXX deal ) and financed through XXXX XXXX XXXX XXXX. 

I signed up for a course of XXXX XXXX sessions, a procedure that was marketed as painless. Rather than using my credit card, as I typically do, I was persuaded to finance the purchase through XXXX XXXX XXXX XXXX, under a XXXX XXXX loan agreement. While I found this unusual, I engaged with XXXX XXXX XXXX XXXX in good faith, expecting professional and transparent practices. 
_It was not " free money '' as the beautician promised, there were hidden Fees and other hidden costs attached to that loan. 

On top of that, the XXXX procedure turned out to be extremely painful, leaving me both physically injured and emotionally distressed. After XXXX session, I decided I could not proceed with the remaining treatments. I contacted XXXX XXXX XXXX to request a refund for the unused sessions, providing photographic evidence of the bruising and harm I suffered. Unfortunately, my request was denied. The salon directed me to XXXX XXXX XXXX XXXX, claiming that they were responsible for the financing agreement. 

I found myself trapped, forced to pay for services I no longer wished to receive. When I tried to explain my situation to XXXX XXXX XXXX XXXX, I was met with harassment and threats about my credit score. 
I did not know consumerfinance.gov exist at the time. 
And this caused significant emotional distress and left me feeling powerless. Under pressure, I made a few additional payments before canceling my credit card and stopping payments on XX/XX/XXXX. 

After halting payments, I began receiving weekly harassment calls from XXXX XXXX XXXX XXXX representatives. On XX/XX/XXXX, to stop the relentless calls and resolve the matter, I settled the outstanding balance for {$200.00}, even though the original balance was {$410.00} Despite this, my credit score dropped by over XXXX pointsfrom excellent to barely good. This has caused financial hardship and emotional distress. 

On XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX again to explore the possibility of restoring my credit by paying the remaining {$200.00}, but I was informed that it was too late to take any corrective action. 

The financial and emotional harm caused by XXXX XXXX XXXX XXXX practices have been devastating. I believe these practices are predatory and harmful, and I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate XXXX XXXX XXXX XXXX for potential violations of consumer protection laws.
Product: Credit card or prepaid card

Response to complaint # XXXX Im aware that the Consumer Financial Protection Bureau and the Federal Trade Commission has authority to enforce the Gramm Leach Bliley Act. Discover continue to willfully not protect nor respect my right to privacy as directed when I exercised my option to opt out of sharing my nonpublic personal information to consumer reporting agencies ( nonaffiliated 3rd parties ). They are using unfair and deceptive practices to cause to harm to me as a consumer. Discover fails to provide me clear and conspicuous disclosures which result me making uniformed decisions as a consumer. Discover tries to make me waive my rights as a consumer thru an alleged agreement which is null and void. I DONT NOT CONSENT TO DISCOVER SHARING MY NONPUBLIC PERSONAL INFORMATION TO CONSUMER REPORTING AGENCIES! I HAVE A RIGHT TO PRIVACY! ( see attachment )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have uploaded the FTC Identity theft affidavit, the police report, the utility bill and drivers license, copies of my social security card, and every other ridiculous document XXXX and XXXX have requested. Every time I upload something they tell me they need something else. In my previous dispute with CFPB, XXXX stated that they need the Identity theft affidavit from the FTC, and THAT is what they didn't remove the items. Yet that has been mailed, uploaded, and faxed to them at a minimum 3 times. This is getting absurd. My credit is extremely hurt due to identity theft, and I have taken EVERY step to rectify it only to have XXXX be the ONLY reporting agency to refuse to remove ANY of the necessary fraud items. XXXX  had removed a few but keeps putting them BACK on my report. XXXX removed all these items, and is the only agency to do so. This is not right that these credit reporting agencies can do whatever they want with no accountability.
Product: Money transfer, virtual currency, or money service

My mom had sent me money to my Zelle according to my phone number and my email. It was about {$1500.00} for my deposit for school. The amount never showed up in my bank account so she did it twice and it came out of her account twice. But we were still never able to locate the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going over my credit report trying to refinance my home. I noticed accounts that I have never done business with and I do not have a contract for business with. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : XXXX DEPT # XXXX****, XXXX XXXX # XXXX****, XXXX XXXX # XXXX****, XXXX XXXX XXXX XXXX XXXX****, XXXX XXXX   XXXX XXXX # XXXX****, XXXX XXXX # XXXX*, XXXX XXXX XXXX # XXXX*, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX*, XXXX XXXX XXXX # XXXX, XXXX & XXXX XXXX XXXX* , XXXX & XXXX # XXXX* XXXX XXXX # XXXX*, XXXX XXXX XXXX* I am not sure who is using my name I use to live in XXXX I now live back to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX is incorrectly reporting me delinquent on my account when I am on a forbearance. They have damaged my credit. I have tried in every way possible to come up with a solution for them to have this removed for now and now they dont wan na work with me because of my credit. I need help with this. All three credit bureaus are impacted due to XXXX reporting this
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions! 



In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my Experian, XXXX and XXXX credit reports. I have found inaccuracies. I was never late on my XXXX credit card account. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681section 602 states I have the right to privacy. 15 USC1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I have taken the steps of resolving this issue by filing a complaint with the listed creditors and Federal Trade Commission. 

XXXX Credit Card : Reporting 2 late payments XX/XX/XXXX and XX/XX/XXXX XXXX