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

As of XX/XX/XXXX I had a credit card balance of {$810.00}. I made a payment of {$810.00} on XX/XX/XXXX and as far as I was concerned, I thought I had paid off my total balance. On XX/XX/XXXX I received a text message from Capital One stating that I had a new balance due of {$6.00}. When I opened the Capital One application on my phone I saw that the balance was due to interest. I called Capital One that day and asked why I had interest charges when I had paid off my balance on XX/XX/XXXX. The woman stated that interest is accumulated every day even though I have a {$0.00} balance. I questioned that, telling her that it's not right that they do that. She then put me on a brief hold and when she came back she said that in order for no interest to be added, I must pay off the total balance in two consecutive months. I don't understand how interest can be accrued when I have a {$0.00} balance. She continued to say the same thing over and over. I ended up ending the conversation with her because I was getting no where. My payment date for this balance is XX/XX/XXXX and I refuse to pay this. I am now concerned they are going to charge a late fee when I do not pay this and I would like this taken care of.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX ( Costco ) Reward earned over {$100.00} XXXX XXXX XXXX XXXX XXXX Reward earned over {$170.00} XXXX XXXX XXXX XXXX XXXX Reward earned over {$200.00} All three cards by Citi were canceled on XX/XX/XXXX without any warning. We were told that we would loose all the reward $ $ that we had already earned based on our purchases. It amounts to over {$470.00} as broken down above. How can Citi take away our reward $ $ that we had already earned. 

I wrote to them but their response was the same - - - stating that it was in the contract. Well it is an unfair contract and it must be in the fine print that the consumer never sees. 

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

On XX/XX/XXXX I realized that I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXXXXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Checking or savings account

I XXXX XXXX on XX/XX/XXXX, I walked into XXXX XXXX and purchased a radio to be installed into my XXXX XXXX. During the process of purchasing the radio I was told I needed to pay for the product before it could be installed, so I prepaid {$730.00} for a radio and was told I will received a call once the product come into the store. After two weeks I did not receieved a call to come get my radio installed and decided to call the merchant to see what was going on. The I left two messages in which the merchnt never called me back so I decided to dispute the amount with my bank ( Bank of America ). I disputed the transactio with BofA in which it took over 90 days to get a respond so in the meanwhile I called the merchant to try to get my money return, in which the owner XXXX stated the guy who serviced me is no longer employed and was terminated due to loss of product from his company. I tried to explained to him I purchased a radio and did not get it installed and he say " I do not know if you did or not ''. So after finally awaiting a reponse from my bank he sent Mastercard a stated saying he mailed the product to my home in which he did not. So I made a rebutal with BofA and during the process of the rebutal he told Mastercard he will install the product in which he has not as of today. Also I would like to mention due to the mutliple transaction of dispute a timeline of returning my money has expired and now I am out of a radio, installation charged and time. I am a cosumer who was fooled out of {$730.00} for a radio installation from a non XXXX owner. I tried to persue XXXX in which he is not accredited shop and nothing can be done. The name of the store is XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. The owner is XXXX XXXX. XXXX claim # XXXX.
Product: Debt collection

My ex-wife and I had a loan through Santander for a vehicle. When we divorced, I received the vehicle. I discovered that my ex-wife took out a loan on the car, which added to my car loan payments. Since I refused to pay her loan and Santander refused to remove the loan from the car note, I surrendered the vehicle to Santander. The vehicle was sold at auction. I then received correspondence from XXXX XXXX XXXX XXXXXXXX XXXX on behalf of Santander to settle the remainder owed on the vehicle. Although I still did not want to pay for a debt that was not fully mine, I took the settlement offer and paid it off, documents attached. 
I am continuing to get threatening phone calls from collections agencies on behalf of Santander telling me that I am being sued and this is goign to litigation. I already paid what they asked for.
Product: Payday loan, title loan, or personal loan

It was XX/XX/XXXX, very early in the morning, around XXXX, I got a phone call from this random number, it woke me up, there was this lady, who said I was prequalified for a loan, I was passing trough a very bad financial situation at this time, so I thought it was a bless, she started saying that, they were a very reputable company in the US , and then to explain, what the loan was about and how much I would pay if I accepted, she said they were able to borrow me {$850.00} and I will have to pay in return {$1100.00} because I would be paying XXXX, so I thought it was a good deal, and then I accepted, I made the agreement over the phone, and I agreed to pay {$250.00} twice a month for over a period of two months, the first payment was {$320.00}, on XX/XX/XXXX, next was {$250.00} on XX/XX/XXXX, next {$250.00} on XX/XX/XXXX, next {$250.00} on XX/XX/XXXX, and the last one XXXX on XX/XX/XXXX. On the previous XX/XX/XXXX it was when I found out that something was wrong, I call them to the phone number on their website witch is XXXX, I wanted to make sure my account was released from their end, and, if there was any remaining amount I wanted to pay it off, and this person said that I owned them {$1100.00}, I was in shock, then he continued saying that, if I wanted to keep paying twice a month, I still have to pay over {$5000.00} at a interest raite of 763 %, for the {$850.00}, so I told him that I wouldnt pay that because is too much and the agreement was that I will be paying them {$250.00} for over two months and believed I paid it off already, even with a interest of 50 %, he said I had to paid them, I believe thats unfair. Today XX/XX/XXXX, at XXXX, I got another phone call from them, the phone number was XXXX, there was a guy who started telling me that I have to pay them, That I own them, and I have pay. Im so scared that, they will come after me, and try to do something on my pay stubs from work, or in any other of my bank accounts, or on my credit score. I refuse to pay what they say I own them, because I believe that, I already did, and even more than 50 % XXXX. they have all my information, and I dont Know what to do about it.
Product: Checking or savings account

I have been a XXXX cardholder with American Express and recently opened a small business credit card. I received a promotional advertisement for XXXX membership rewards points if I open a Business Checking Account. 

The application required me to submit a copy of my drivers license and take a picture, which I completed. I received a message saying it was pended on XX/XX/XXXX American Express responded asking me for tax return transcripts on XX/XX/XXXX. These were submitted on XX/XX/XXXX. 

I called American Express days later and was advised the IRS is slow to respond and I could send existing business account statements, which I did. 

On XX/XX/XXXX, I called again to check the status of the application. They questioned my address changes, I pointed to the last address on the statements provided matching, then they asked for personal account statements. I provided those. 

The company then asked me to complete the ID process again, which there software wouldn't take. I was then pushed into a Mobile Notary program / process, where I waited for XXXX hours to be notified by the mobile notary my ID wasn't good enough. The first available appointment on this system is XX/XX/XXXX. 

I am not sure what the issue is, American Express blames the software or says this is out of their hands, but is actively advertising for business checking accounts with a promotional bonus, but I'm not sure anyone is actually getting the bonus. 

It's the strangest behavior from a company that I have approved credit lines with but is unable to open an account for me to make deposits into.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continuously reporting a balance increase and reporting a incorrect balance of {$18000.00} for my XXXX XXXX XXXX XXXX each month. I disputed this twice with no update.
Product: Credit card or prepaid card

I found out someone opened a credit card account with the company in question in my name and called to close the account in 2019. I filed an identity theft report as they had also opened a XXXX XXXX card in my name, with my FTC Report Number being XXXX. XXXX XXXX closed the account immediately and removed it from my account. Indigo, however, closed the account by did not remove it from my credit report. 

Recently, I checked my credit report again, only to discover this account was closed but still reporting late payments. When I was able to gain access to an online account, I learned that not only were the statements going to an address in Virginia I've never lived, but the phone number and other important information was also incorrect. I have lived at the address starting in XXXX in New York since 2019 and the address starting in XXXX New York my whole life before that. I have never lived out of state or even out of my hometown. 

Indigo argues that they used my social security number and birthday to sign up for the account, which of course they did. That's what happens when someone steals your identity. They also claim they sent information to my address, but they either sent it to a wrong address ( if it was an address beginning in anything but XXXX or XXXX ) or it was stolen from my mailbox, hence was I initially reported it stolen and closed my account. They claim they've sent an affidavit of identity theft, but if they sent it to the address they had on file, they've sent it to someplace in Virginia I have never lived. If they check my credit report, they'll notice that they're the only ones reporting it as my address, as I've never lived there. 

So in summation, Indigo did not get my address, phone number, or anything else correct but issued a card to someone and, despite being alerted it's fraud, is negatively reporting on my credit report, sending important communication to the thief 's address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 asking XXXX, TransUnion and XXXX to investigate an account that is reporting on my consumer credit report that is not mine. It has been over 30 days and these consumer reporting agencies are in violation. 

According to 15 USC 1681i : XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. They did not even record the current status of the disputed information which is another violation. 

So in general to sub-section F and extent as provided in sub-section G if the completeness or accuracy of any item of information contained in the consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute that agencies shall free of charge conduct at a reasonable reinvestigation to determine whether the disputed info is accurate and the record the current status of the disputed information or delete the item from the file in accordance with paragraph 5 before the end of the 30-days beginning on the date in which the agency receives the notice of dispute from consumer or reseller.
Product: Checking or savings account

I contacted Synchrony Bank on XXXX, XXXX, before my CD came due on XX/XX/XXXX. I was told that the money would be transferred to my XXXX XXXX account on the day it came due. When it didn't arrived, I contacted them again on XXXX. They said it would be in my checking account by XXXX, When it still didn't transfer I called again on XX/XX/XXXX. They said they would call me on XX/XX/XXXX and let me know what was happening. No call. I will not be using online banks again.
Product: Checking or savings account

I am still having issues opening up a checking account with BMO Harris Bank online and in person. BMO Harris Bank continues to deny me credit, and discriminating against me because of my race, me being XXXX XXXX ( XXXX ). BMO Harris Bank is in violation of the 1974 Equal Credit Opportunity Act ( ECOA ) under federal law. My full name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian, XXXX and XXXX will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX Account Number : XXXX The Payment Status for this account on XXXX is Late 60 Days. 
The Payment Status for this account on Experian is Late 30 Days. 
The Payment Status for this account on XXXX is Current. 

This is inaccurate history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. 

XXXX, XXXX and Experian failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX {$850.00} XX/XX/XXXX NATIONWIDE CAPITAL XXXX {$170.00} XX/XX/XXXX EVOLVE SPARROW FINANCIAL XX/XX/XXXX ELAN FINANCIAL XXXX XX/XX/XXXX XXXX FINANCIAL SER XX/XX/XXXX
Product: Mortgage

OnXX/XX/2018 I received a call at XXXX XXXX. US Bank called me. I answered the phone the caller stated her name and asked for the name she was calling for. I asked her to identify the name of the company she was calling for. She evaded the question. I informed her per cfpb when you are making an outbound call and the person who answers asks you to identify your company name you are required to do so. She refused. We went in circles for 2m and 32sec all the while her harassing me trying to trick me into stating my name or verify I was who she was calling. I repeatedly told her she was in violation of cfpb and eventually she just hung up on me. I XXXX the number she was calling from and found it to be US Bank I called them and went around and around with them for 26 minutes. They didn't seem to care they were in violation of cfpb requirements. I just called and verified they did not have my number marked as dnc as per my request onXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account reported are inaccurate. Multiple disputes and furnisher will not update record. Debt cancelled effective XX/XX/19. Balance and history incorrect. CRA can not establish accuracy and integrity despite reinvestigation. Description of the procedure used to determine the accuracy and completeness of the information was not provided upon consumer request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXXXXXX XXXX  ) : Account Number : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I wasn't late. 
Thank You
Product: Payday loan, title loan, or personal loan

In XXXX of 2019 I opened a CITI BANK credit card. Recently they put a late payment on my account. This was an auto bill pay issue and the bank recognized this as a problem on their behalf. I have disputed this issue and I am still waiting for this to be resolved. This is now on all three of my bureaus and has greatly lowered my score.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$59000.00}
Product: Mortgage

Hello, We went through the underwriting process for a conventional construction mortgage with Associate Bank in XXXX. The initial reason we went down the underwriting process with Associated was their construction loan product had a 12 month interest only period followed by a traditional 30 year mortgage. We received multiple rounds of " Initial Disclosure Documents '' from Associated all that had 12 months interest only payments, displayed very prominently, with no additional disclosures or asterisks. We finished construction early ( about 4-5 months into the loan ) and got a notice that they were converting our loan to principal and interest payments. I reached out initially, via email in early XX/XX/2020, to the loan officer : ( XXXX XXXX Residential Loan Officer | Residential Lending Office : XXXX | Fax : XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX NMLS : XXXX ) we worked with to inquire about what had happened and got no response. I followed up again a week later and got a response which was a forwarded email from her supervisor : ( XXXX XXXX VP | Senior Residential Sales Manager Office : XXXX | Cell : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX NMLS ID : XXXX The response was that buried in the FAQ 's on our loan documents, which we received late the night before a morning closing, there is a provision that says once construction is complete they will convert our loan. During numerous calls and emails with our loan officer during the underwriting process this material fact was never mentioned despite the fact we said 12 months interest only was very important to us. I told our loan officer that I though the response was inadequate and the language in the initial disclosures and our discussions ( mine and the loan officer ) were misleading for not ever mentioning such a material fact and I wanted the bank to honor the 12 month interest only commitment. I never received a response back. About 10 days ago I received a call from the bank asking about why we had not made out payment, I told the woman on the phone why and again asked to speak to a manager. I was told that no manager was available at the moment, but that one would absolutely give me a call in 24 hours. To date I have still not heard anything from the bank. 

I have attached 1 of the many disclosure documents that we signed and highlighted all 5 of the spots where is says interest only payments for 12 months and not one spot is there any qualifier or note that once construction is complete the loan will automatically convert.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that Equifax conduct an investigation of errors on my credit report over 45 days ago. They have yet to respond.
Product: Credit reporting or other personal consumer reports

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

This was clearly a billing error made by XXXX XXXX XXXXXXXX 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 XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 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. 

XXXXXXXX XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! I demand that they delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted complaint to Credit Reporting Agency Experian on XX/XX/2022 they received complaint XXXX on XX/XX/2022 still Open and it bend over 30 day whit out a resolution. 

I provided factual info directly from the credit report. 

In accordance with the Fair Credit Reporting act. Credit Reporting Agency Experian are in Violation of Law 15 U.S. Code 1681i - Procedure in case of disputed accuracy Violation of 15 USC 1681i ( a ) ( 1 ) ( A ) ( 5 ) ( A ) ( ii ). 

if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, Before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. 

An item of the information is found to be inaccurate or incomplete. 

Promptly delete that item of information from the file of the consumer,