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

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH 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 my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account 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.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

I have disputed the balance of {$30.00} with XXXX XXXX XXXX  XXXX XXXX, requesting documentation that bear my signature that agreed to this charge. It has been over 4 months with no documentation being sent from them. I have contacted them several times over the course of the 4 months with no solution. Now, I receive a collection notice from TransWord Systems Inc -  I am filing this report with the CFPB to alert the illegal practices of XXXX XXXX XXXX XXXX XXXX for ignoring the request for validation of debt which is a direct violation of Federal Collection Laws. If Transworld or XXXX XXXX XXXX XXXX XXXX  proceeds on inserting this to my credit report, civil ligation will result.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the items in my file that resulted from an alleged identity theft but I have remaining items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance : EXPERIAN : XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Balance : {$3800.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Please note that you have 4 business days to REMOVE the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my dispute letters along with XXXX forms of verification to Transunion on XX/XX/XXXX through certified mail. XX/XX/XXXX the company sent a letter out stating that they cant confirm or deny whether it was myself, a third party or robot who sent out the dispute letters. I called Transunion to speak about the letter I received and I was told I can only dispute online. It is now XX/XX/XXXX. I then went online to file a dispute but I was limited on what I could dispute. Still no results from the XX/XX/XXXX dispute.
Product: Credit card

On XXXX I paid my credit card to a XXXX balance ( credit of {$3900.00} ), excluding a couple of pending transactions that weren't included in the balance under {$100.00}. My current balance of XX/XX/XXXX ( not including the pending transactions of {$1100.00} as of today ) is {$1000.00}. The only posted transactions since XX/XX/XXXX until today total {$630.00}. 

My question to AMEX is why is there a balance of {$1000.00}? This doesn't add up, it would be the same if I had used my debit card or the XXXX XXXX card I've used in the past with no issues. This is the only response that they came back with which seems like a play on numbers based on statement dates and " I checked and I see your last statement balance was {$1800.00} towards it we received total payments and credits of {$3900.00} on the account and you made new charges of {$3000.00} and were charged interest of {$31.00} which makes the total as : $ XXXX $ XXXX $ XXXX {$3900.00} = {$1000.00}. '' I had calculated all purchase from XXXX up until that full payment made on XX/XX/XXXXXXXX  as well and it added up to me paying everything off. All purchases were legit nothing fraudulent. Now I feel as if I'm being robbed either by AMEX or something more serious that they should be concerned about. Their chat reps are only giving the play on numbers based on statement dates, not what's going on. Whatever else they are hiding on their website is deceptive if I had another balance else where, because when I make a payment I should have the choice to make a payment based on paying off the credit card 100 %, instead they are using deceptive practices so that I pay interest. I think something else is going on.
Product: Credit card

I am writing to formally dispute several unauthorized charges and billing errors on my Capital One credit card account ending in XXXX. The issues are as follows : XXXX. Unauthorized Year-End Membership Fee : I was charged a year-end membership fee of [ {$39.00} ] on [ date ], which I did not authorize or agree to. This charge appears to be fraudulent, and I request that it be removed from my account immediately. 

XXXX. Improper Handling of Cash Back Rewards : On XX/XX/year> for XX/XX/year> statement, I paid my XXXX bill on time and offset the remaining balance using my available cash back rewards, as I have done for several years without issue. However, I was informed that Capital One no longer allows cash back rewards to be applied toward payments. I was not notified of this policy change, and when I requested documentation of this notification, I have yet to receive it. 
Explanation : My bill was XXXX I paid XXXX and used XXXX of cash back towards billing XXXX. Incorrect Late Fees : Despite applying my cash back rewards to my balance, I was charged a late fee of XXXX for an alleged outstanding balance of XXXX for an alleged outstanding balance of XXXX. I promptly paid XXXX to resolve this, but I was then charged an additional XXXX to resolve this, but I was then charged an additional XXXX late fee, claiming I still had an outstanding balance. This is incorrect, as my cash back rewards should have covered the remaining balance. 

XXXX. Failure to Notify of Policy Changes : I was never notified of the policy change regarding the use of cash back rewards for payments. Had I been informed, I would have adjusted my payment method accordingly. I request that Capital One provide proof of notification regarding this policy change. 
Resolution Requested : Remove the unauthorized year-end membership fee of {$39.00}. 
Reverse the late fees of XXXX and XXXX and XXXX, as they were charged in error. 
Provide documentation of the policy change regarding the use of cash back rewards for payments. 
Ensure my account is credited for any interest or fees incurred because of these errors. 
I have made multiple attempts to resolve this issue with your customer service team, but the matter remains unresolved.
Product: Debt collection

I don't know just found out about a debt for XXXX that I don't owe it was a debt according to my credit report XX/XX/2017 for XXXX XXXX XXXX for education that I never had it says date of first delinquency XX/XX/2017 I've been disputing this cause this is a third party collection which is against the law. I need help to getting this removed from my credit XXXX, XXXX, XXXX. 
Sincerely XXXX XXXX XXXX XXXX Fl
Product: Checking or savings account

On XX/XX/XXXX, I mobile deposited a cashier 's check in the amount of {$2400.00} to my SunTrust Checking Account. I later recieved a Notice of Hold letter with the available date of XX/XX/XXXX. On XX/XX/XXXX, the funds weren't available, I called customer service and was told my account was closed and further review of the check was necessary with no timeframe given. I called again in XXXX and XXXX of XXXX and was told no information was available other than the check is still being reviewed and to try calling back in 30 - 60 days. I called in XX/XX/XXXX and was told I needed to contact the issuing bank and request they send SunTrust a Hold Harmless Letter, verifying the check was indeed issued to me, in order for the funds to be released. I contacted the issuing bank on XX/XX/XXXX who informed me that the funds were in fact collected from SunTrust for that cashier 's check on XX/XX/XXXX. I was also told that, the process for requesting a Hold Harmless is to be initiated by the requesting institution. So, in this case, Suntrust would need to directly contact the issuing bank to request further verification, which there is no record of any attempts being made by SunTrust to do so. I've tried to relay this information to SunTrust but the representatives aren't knowledgeable enough to help and I'm told there's no way for me to speak with an actual banker to resolve this issue. Again, this was a cashier 's check, which are guaranteed funds, that could easily be verified with a simple phone call to the issuing bank. Its been almost a year since I made this deposit and the funds have long since cleared. SunTrust has violated my rights as a consumer with this 'indefinite ' hold, even after the check has been paid with no evidence or probability of reversal.
Product: Credit card or prepaid card

On XX/XX/2019, I filed a compliant with CFPB against Citibank. Two days later Citibank Engaged in immediate retaliatory actions and lowered my line of credit from {$21000.00} to current outstanding balance of {$9700.00}.

According to Citibank this was based on a recent review of my credit reports which shows a substantial number of debts owed to other creditors. 

This makes no sense due to the fact when Citibank increase my line of credit to {$21000.00}, the same amount of debt if not more was showing on my credit reports. 

In addition, during the same period I paid down credit card debt by {$5000.00} dollars therefore if anything the line of credit should have increased. 

I had been with Citibank for over ( 8 ) years had never missed or been late with any payments. Citibank decision to lower my line of credit was based solely on Retaliatory action for filing a complaint with on CFPB.

I want CFPB to through investigate Citibank and enact or enforce laws to protect Consumers from this type of abusive practice designed to discourage consumers from filing complaints with your organization. 

Citibank engaged willful misconduct with full knowledge decreasing the consumer line of credit had an immediate impact and lowered the consumer credit score.
Product: Credit card or prepaid card

Capital one closed my secured card unexpectedly this is not fair refused to give me back my security deposit after leaving no balance and everytime I login I see 4 different closed credit card accounts they wont remove them tell me it takes months and its been months and its still on my online banking
Product: Credit reporting or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report Number : XXXX which is attached. Please block and remove all information from my credit report and send me an updated copy of the credit report. 
Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below.

Failure to respond satisfactorily will result in a small claims action against your Agency. I will be seeking damages but not limited to and each violation is a statutory cost of {$1000.00} each Per 15 U.S.C 1692k : 1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Product: Credit reporting or other personal consumer reports

I've tried multiple times over the last month to access the Experian website, in order to get my credit report and place a freeze on my credit. I've put in my information and the verify-by-phone code, and each time I try to verify the website experiences an " issue '' and directs me to call their automated phone line. The automated line puts you into circular automated responses ( trying to send you to the self-service website- therefore cutting down on their cost to employ operators that help people. The automated phone program will not refer you to an operator except for " limited '' reasons ( which are not stated ... and I would venture are non-existent ). So despite any action I take I am unable to access my credit report or put a freeze on my account.
Product: Debt collection

On XX/XX/2021 I received a letter from Anderson Financial Network Inc ( AFNI ). The letter stated that XXXX XXXX XXXX XXXX XXXX XXXX XXXX account has been acquired by Afni, Inc. for collections. For {$560.00}. That is not possible as I do not have any Business with XXXX XXXX XXXX. I reached out to XXXX XXXX XXXX Customer Service for fear of potential fraud under my name and information.. XXXX XXXX Customer service confirm what I knew all a long.. There are no accounts are open under my name or SSN. I monitor my credit on a regular basis. Well aware of what accounts are open and close under my name. And XXXX XXXX Has never appeared on my Credit Reports.
Product: Checking or savings account

I was the owner of a beneficiary 401k account after my mother died late last year. 

After speaking with Merrill Lynch on the phone on XX/XX/XXXX and confirming that by me accepting the disbursement prior to the end of XXXX, the disbursement would count towards my XXXX tax year. I took action on the account and chose to complete the disbursement in XXXX for tax purposes. 

By XX/XX/XXXX, I did not receive my 1099-R form. 

On XX/XX/XXXX, I called Merrill Lynch to ask about the status of my 1099-R form. I was informed by the customer service representative, after she completed her research she said since the money was deposited to my account after a certain time, the disbursement would count for my XXXX tax year. 

I made a decision to accept the disbursement so quickly because I wanted it to count for my XXXX tax year. Because of this bad information from Merrill, my finances will be negatively impacted. 

I asked Merrill for a written statement confirming that my disbursement would count towards my XXXX tax year. I asked for this in writing because I was told two different things from two agents. They said they could not provide me with this information in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three bureaus are reporting late payments on these accounts. Experian, XXXX and XXXX. On XX/XX/XXXXXXXX  i open disputes with all three bureaus asking them to remove late payments on my report because i wasn't informed that late payments would be reported by any entity. I didn't give consent for any of these reports to report any information about me. With no change on all reports. Here are a list of all the accounts in question. 
As of XX/XX/XXXXXXXX  Experian, XXXX and XXXX are reporting : XXXX XXXX XXXX late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of XXXX  every late payment. I have paid off this debt XXXX. 

I would like to mention code : 15.us.1666b Timing of payments as well as 15 us code 6802b Obligations with respect to disclosure of personal information. 
I wasn't given any opportunity to opt out. They never gave me an option to opt out.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus last XX/XX/ 2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hope that these accounts late will be removed. 
XXXX XXXX XXXX XXXX Balance : {$4200.00}, XXXX XXXXXXXX XXXX Balance : {$29000.00}
Product: Vehicle loan or lease

I am requesting that this complaint be forwarded to the XXXX XXXX XXXX XXXX regulators. This is a second complaint after several other complaints prior we're not resolved after the respondent has made a clear admission of fraud buy placement of collateral protection insurance on a loan after Commission of the loan. He complained it is a business consumer and is requesting that this complaint which can be found as reference in the document attached to this request where the complaint originally filed can be found has referenced in the attachment. The complainant and respondent has attempted to resolve this matter between themselves and by use of a third-party mediator known as a company by the name of jams. The consent order in the original complaint and the the XX/XX/XXXXXXXX order is not the company got the court authorized the mediation between parties. The Invention has complained had caused irreparable harm upon the complainant whom is a totally and permanently XXXX veteran of the XXXX XXXX XXXX and business owner who has suffered collateral in economical damages, past and future and all matters subject in this complaint is warranted as authorized by the Dodd-Frank consumer protection act the code of federal regulations, and as recently decided in the case Seila Law Firm versus the Consumer Financial Protection Bureau decided by the Supreme Court of the United States honor about XXXX ofXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Product: Mortgage

1 ) TAXES FOR XX/XX/XXXXWERE NOT PAYED! 
2 ) AMOUNTS WITHIN LOAN ARE IN DISPUTE! NEED COMPLETE SERVICE FILE!!! 
3 ) LAST MORTGAGE STATEMENT PRIOR TO THE ONE I RECEIVED FOR THE MONTH OF XX/XX/XXXX, WAS DATED XX/XX/XXXX, NOW I HAVE WRONGFUL LATE CHARGES ADDED TO MY ACCOUNT. FAY DID NOT PROVIDE MORTGAGE STATEMENT FOR XX/XX/XXXX, XX/XX/XXXX, NOR XX/XX/XXXX. BLATANT THEFT AND VIOLATIONS CONTINUE!!! SEE ALL OF MY PREVIOUS COMPLAINTS. 
4 ) PAYOFF REQUEST DID NOT MATCH TOTALS WITHIN LOAN. 
5 ) XXXX FROM XXXX AND FAY DID NOT MATCH TOTALS PAYED ( ONCE AGAIN )!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to dispute an inaccurate account on my credit reports with the credit bureaus for the past two months. The credit bureaus have been responding back the account is verified. I have no idea how that is even possible with all the inaccuracies across the credit bureaus and the paperwork i received from XXXX XXXX XXXX ( The original creditor ) Account number XXXX. I will point out the inaccuracies and being that the credit bureaus have verified this account 3 times already, this complaint does not mean UPDATE the accounts and any UPDATES to this account will be a violation of the FRCA. They have ALREADY updated the payment history several times after saying the account is VERIFIED. 

This account is reporting on EXPERIAN as AN INSTALLMENT with a balance of {$20000.00} with the original balance of {$11000.00} This account is reporting on XXXX  as INSTALLMENT with a balance of {$20000.00} with a highest balance of {$10000.00}. 
This account is reporting on XXXX  as an INSTALLMENT with a balance of {$5500.00}. 

After reviewing my contract this account was written up as a RETAIL INSTALLMENT CONTRACT with a balance of {$6000.00}
Product: Credit reporting or other personal consumer reports

I explained that the account did not belong to me, nor did I have a contract with them. They refuse to remove the inaccurate information causing grave stress as I can not obtain anything because of inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hAve disputes these inquiries with Equifax previously expressed that they are not authorized by me XXXX XXXX. I have multiple lenders pulling multiple reports on multiple days I need these unauthorized inquiries deleted .... 

XXXX XXXX-XX/XX/XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- : XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXXXX/XX/XXXX XXXX XXXX- XX/XX/XXXXXX/XX/XXXX XXXX- XX/XX/XXXX XX/XX/XXXX.XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX. 

XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX I also have a bunch of inquiries from XXXX XXXX and I did not authorized any of them please delete these inquiries ALL of the above are unauthorized inquiries I did not authorized allure above inquiries please have all of them removed