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

My account with ( XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX 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 ( MONTHS REPORTING LATE ) 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. 


( XXXX 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! 

Delete the late payments from my consumer reports
Product: Payday loan, title loan, personal loan, or advance loan

Please be advised that on the date of XX/XX/XXXX I was at my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  when I received a telephone call from ; XXXX XXXX, employee letting me know that I had been Selected & Prequalified for an Extra loan, I was excited, but the process was taking to long my XXXXXXXX XXXX  was @ XXXX XXXX XXXX  it was XXXX I had to ask if I could finish the call when my XXXX XXXX was over the XXXX XXXX XXXX agreed. When I Return home I called & picked up where left off the XXXX XXXX XXXX, employee said that all they needed was my Signature so he text my XXXX the Link to XXXX Nowhere on the app. From ; XXXX was there any Indication that I was signing my name to a refinance loan. I thought it was a Completely separate loan from my first my first loan was taken out XXXX XXXX XXXX this money was used to purchase a XXXX XXXX XXXX XXXX XXXX XXXX the first loan amount was {$2600.00} I have made {$990.00} in monthly payments never late never short & I only owe {$1600.00} again I was never told that I was taking out a Refinance loan this would throw me Further into debt when I could have just finished paying off my XXXX loan the XXXX loan was for the amount of {$2100.00} the XXXX XXXX employee told me that my XXXX XXXX, XXXX XXXX account would receive the money the next day yes indeed my XXXX bank account did but only for the amount of {$490.00} I was more than Confused so I called XXXX XXXX seeking some answers? & was told that I signed my name to their Contract I ask to speak to a Supervisor so that I could explain about the mix up, on the XXXX there was no mention of it being a Refinance loan The XXXX link that was sent to me only explained about how that Application and System works ect. I did not find out about it being a refinance loan until after I went through the XXXX process I ask the Supervisor at XXXX XXXX,, if I were to return the monies directly deposited into my XXXX XXXX XXXXXXXX XXXX  account which total {$960.00} to them could I return back to my first Original loan Agreement because I did not know that I was signing my name to a refinance loan Please note even if I were to return the {$960.00} I will still owe XXXX XXXX {$2300.00} Subtract {$490.00} Equals {$1800.00} just need some help trying to undo this refinance agreement
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP ! !! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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

TransUnion continues to keep an erroneous charge off from a collection agency, XXXX XXXX. I have already disputed this with TransUnion and it came back as the infamous " that they are reporting correctly '' which they are not. 

To again expedite the process. I have a signed release from XXXX and their original creditor in lieu of suing them for having violating both the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 

TransUnion again has had more than the allotted time twice to delete this frivolous trade-in from XXXX XXXX! 

I have enclosed the copy of release and expect TransUnion to IMMEDIATELY DELETE and not again send a partial automated response by just " reinvestigating this item '' by their e-Oscar system. 

They care continuously and willfully causing financial harm and I am giving TransUnion until the close of business on the XXXX of XXXX 2016 to have this permanently deleted or I will sue TransUnion both in State and XXXX XXXX. 

Time has run out and they need to be compliant! 

XXXX XXXX XXXX
Product: Credit card

I received a call from Capital One saying there was fraudulent activity on my credit card. They asked me to go onto my app and check which expenses weren't made by me. This occurred on XX/XX/XXXX. I saw no expenses on the card. 
Then they said, for my security, they would need to protect my card, and that they'd need to make some changes on the card for this protection to occur. This occurred on the same day. I was on the phone with them for around 2 hours. I received several texts from Capital One during this 2 hour period. They kept assuring me via text that a new card would be coming soon. I also received emails saying the same thing. 
They told me someone needed to come to get the card in order to do a " chip scan ''. A man came within ten minutes to pick up my card. I immediately locked my card on the app, as I felt uncomfortable with it being out of my hands. 
The next day, on the XXXX of XXXX, they called me again. We went through a similar process. They confirmed my security settings had been changed, and they kept sending me texts and emails to show that. 
By XX/XX/XXXX I still hadn't received a new card. I checked the app and I saw around $ XXXX purchases I didn't make, so I called Capital One, and they told me that a card had been sent out, but it wasn't sent out to my address. This is when I realized I got scammed. 
Capital One originally told me that everything was ok, and that they'd take care of it for me. They even reversed the charges on my credit card app ( I will attach pics of this below ). I looked at the app a few days later and I noticed the balance due went back up after going down from them erasing the purchases. When I contacted them, they told me that the case had been " escalated '' and that a new decision had been made, and that it was technically my fault, cause I gave the card to someone willingly, and that that counted as giving authority to the person. I obviously didn't give permission to this person. I wouldn't willingly let someone spend money on my card. 
I'm hoping for some help. I can't even come close to affording this right now. 
Thank you for any help you can offer.

Fingers crossed XXXX
Product: Credit card

On XX/XX/2017 I logged into my account and noticed that all my credit cards had XXXX available credit. My reward points were also missing. I contacted Citicards to inquire regarding this and was notified that all my credit cards were unilaterally canceled and my points were confiscated. No reason was given by the supervisor I spoke with. I was told that my points were forfeited as the bank had decided to cancel my accounts with no prior warning. Such an action is disingenuous and it seems that the bank can simply close your accounts to avoid allowing you to use that which you earned and that which is rightfully yours. I spent thousands of dollars on my cards which Citibank earned processing fees for. Part of the reason for my use of Citibank 's cards was due to their generous rewards programs. This seems like an easy out for the bank to collect fees without giving anything in return. My credit is stellar and I have never missed a payment with Citibank or any other bank. I have always paid in full. 
While I ca n't fault the bank for making a business decision ( if that 's what this was ), I should have been given notice prior to closure and should not have had to discover this myself. I should have also been given an opportunity to redeem any rewards that I had accumulated over the years being loyal to the bank. I rely on my credit cards for daily spending and deactivating all my accounts without informing me at all is inappropriate and unfair. This closure with no warning resulted in extreme inconvenience to myself as well as my family.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX ( 13 minutes ago ) to Customer XXXX XXXX , Unbelievable answer to my question. 
I did the location search and the answer was " no locations found ''. 
That is why I asked you for a location. You did not respond, only sent me to your location finder again. 
Doing a little research, I did find the nearest location in XXXX XXXX, Va. XXXX which is about 250 + miles from my house. My question to you now is, how do you expect me to do business with a bank location that is 250 miles from my house? The Sun Trust location I used is 2 blocks from my house and there are 20 locations within 15 miles of my house. Not sure this was the correct action for my banking needs! 
XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Dispute using Zelle numerous times and reporting discrepancies, my finically institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking this transaction was infeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploited the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a previous identity theft victim, I recieve a PIN from the IRS every year in order to file my taxes. When I found my credit report accounts were no longer frozen I attempted to freeze them again. XXXX and XXXX were easy 10 minute efforts and allow me to return to unfreeze when I need them, which is a fantastic improvement. Equifax has been a difficult nightmare, requiring a code sent by mail, and now repeated 'website down " messages when I try to freeze account online. It shouldn't be this difficult. This process has dragged on now for 2 weeks. That is unacceptable. As long as my credit report is unsecured my identity can be used for criminal purposes. Please help me secure a credit freeze with this company. Considering their history this should be dealt with severely as it has the worst reputation of the three bureaus.
Product: Credit card or prepaid card

I was unable to load, log in, use my prepaid debit card. I received an email that they permanently banned my account. Upon phone call Serve, I was told that XXXX emailed them about me not paying XXXX to load the card. There was a moment when I had to cancel loading money into my prepaid card using XXXX check out stand. I have had this card for 3 months with no issue. Serve did not give me a real explanation as to why the account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning guys, I am XXXX XXXX XXXX XXXX, I noted that my credit report through XXXX XXXX has an incorrect information. 
My mortgage account with XXXX XXXX XXXX XXXX XXXX still open and in good or excellent status. 
The only things is that the names in that account was changed from my Mother ( XXXX ) and me to my only name because of donation of my sister participation. 
The account never has being closed. 
So please correct this information that affect my credit score, with XXXX XXXX XXXX XXXX XXXX 

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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, amount XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, amount XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, amount XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX amount 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

On XXXX XXXX, 2022, I wrote a letter disputing the inaccurate account posted on my credit file. I requested from the Creditor to show proof of contract that legally obligate me to the account that report on XXXX. It has been 30-day pass and I have yet to receive a response from Macy/DSNB. Also, company failed to report the account to XXXX as disputed. Down below you will see the letter that I send out to the company which they failed to respond to in a timely fashion
Product: Credit card

I went to my online credit card account for Citibank Costco Visa on XX/XX/XXXX. My last month 's Statement Balance was several days Past Due. When I got to the menu item to select the Amount to Pay Citi clearly showed that the Past Due Amount was nearly {$1000.00}. Also the Current Balance amount was show as the same amount, nearly {$1000.00}. The third choice was to pay a " Custom Amount ''. This was very disturbing to me because I had my Paper Bill which indicated that the now Past Due Amount was just over {$400.00}. In the past this has been a very routine task. I knew the Past Due Amount was less than HALF of what Citi was requiring. So I selected Custom Amount and entered the total of my last Statement Balance, Upon reflection, I realized that this online glitch ( or tactic ) was possibly causing millions of Citi Visa Customers to PAY THE CURRENT ACCOUNT BALANCE AS IF IT WERE PAST DUE... .when the new Current Statement Balance is not due for another 30 Days or so. In effect, Citi Bank Visa was TRICKING it's customers into making credit card payments that were NOT YET DUE. 
I then called Citi Bank Customer Service and spoke with a Representative who claimed no knowledge of this practice. She offered to let me speak to her Supervisor ( named XXXX ) who also claimed ignorance. 
The pending Late Fee was accurate and proper. However, as compensation for the improper bank conduct, I asked that the Late Fee be removed and XXXX refused. I then asked that he have someone at Citi Bank who is aware of the problem to call me.
Product: Mortgage

XXXX  XXXX XXXX sold my mortgage to Carrington Mortgage Services. C.M.S. has never complained to the credit bureau ( XXXX  ) until three months ago. I have been receiving e-mails stating, " We see from your account history that youve made payments after the XXXX of the month and you're required to pay a late charge. '' Alternatively, the monthly statement states payments are due by the XXXX of the month. I program my bill-pay from on line-banking on the by XXXX ( if the XXXX happens to fall on a Sunday ). It is withdrawn from my bank account on Monday, the XXXX. This month, XX/XX/2020 I received a late payment fee on my monthly billing statement.
Product: Debt collection

During covid-19 My landlord insisted that all his tenants should get on the program to help the future rent payments. I was told to come to the property managers office and they would set up the account and reach out to the rental assistance. Rental assistance paid the amount that they said was due. The amount could have been correct because I wasn't behind on my rent. The property manager came up with a balance and rental assistance paid and then months later when rental assistance shut down. I was facing and eviction me and my child was evicted. The owner of the property then sold the property to someone else after rental assistance sent the checks out to the property owner.
Product: Credit reporting 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. 

Account names : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX 15 USC 1681 section 602A states that I have a right to privacy.

15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) 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 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 has reasonable cause to believe that the information is inaccurate
Product: Credit card or prepaid card

On XX/XX/XXXX I notified all three credit bureaus that I was a victim of identity theft. In the packet I included the FTC identity theft report, the proof of my identity, and a copy of the fair credit reporting act section 605B. There were multiple accounts that were opened in my name. I identified an account with Discover Bank as one that was open fraudulently in XXXX of 2016. 

On XX/XX/XXXX I received a letter from Discover requesting information to assist them in investigating the account. On XX/XX/XXXX, I submitted the requested information, including a copy of my federal tax return, showing that I did not live at the address that they had listed on that account. Whereas I requested any and all information that was used to open this account, I was not provided that information. Included in that letter was a copy of the FTC notice to furnishers of information which outlined that upon receipt of a consumers written request that includes an identity theft report that the information furnisher must cease to report that information to the CRA. 

XX/XX/XXXX, I received a letter from Discover saying that they researched the dispute of liability for the account and found the account to be valid. The letter also said that the payment in full is currently past due and until the full payment is made the negative information will continue to be reported to the reporting agencies. I also recieved a large envelope that contained copies of statements that weren't sent to the address that I resided. I immediately contacted Discover directly requesting the information that was used to determine that the account and balance was valid. I was informed that they did not have to provide me that information. I have continued to request this information and have made no progress. I don't understand why if I provide multiple pieces of information as to this account not being mine and opened fraudulently why the bank who is reporting this negative information will not provide me with any information as to how they came to that conclusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It XXXX concern, I was a victim of identity theft. On XX/XX/2023 I went to look at my credit report. I have all these collections and none of these I recognize and I do not owe them any money. I have contacted all XXXX major collections agencies and with little help from them which is why I was referred to come here since this is all fraud and I'm just trying to make my XXXX XXXX accurate for me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

After an automobile accident that after court deemed other individual at fault for the accident, one medical bill was added to my credit report as a collection ( Hospital bill ). It is still in my collection report even though this accident happened a few years back and it was settled. I still have the collection on my report affecting me even though the other individual was responsible to pay the bill.