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

Hello, I have many credit cards never had late fees. I pay my bills ahead of time using bill pay. I applied and received 3 cards from commenity bank. I kept getting hit with late fees from day one, checks sent from my bank bill pay taking 15 to 16 days to post. Always, after the due date. I have been using this bill pay forever to pay other bank cards. It has never taken this long. On another one of their cards the payment was electronic and they hit me with a late charge for my XXXX statement. My bank was able to track the electronic payment and advised me that they had received the payment 4 days prior and were holding the funds instead of posting the payment. This was 4 days prior to the due date and had not posted it. The bank did reverse the {$29.00} fee and offered no explanation. I have closed the cards because I feel this is a scam and a way for this bank to fraudulently make money. The last late fees were on XX/XX/23 from Commenity XXXX for {$26.00} late fee and {$2.00} interest. XXXX Ulta had a charge of {$36.00} late fee on XX/XX/23 and interest of {$2.00}. No explanation was given on why it takes 16 days for a check to post. I explained that I can not pay the bill before it is generated. One of the employees told me that she hears the same story all the time from other customers. Thank you.
Product: Debt collection

I have requested that the company cease and desist telephone calls XXXX times and that has been acknowledged by the company XXXX, but they continue to call. When I asked via email that they stop calls, they continue collection attempts but do not address the telephone issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 FedLoans were opened using my information as a co-signer. The loans were opened sometime in XX/XX/2020 and started showing up on my credit report in XX/XX/2020. I have filed a police report, and filed a dispute with all 3 major credit bureaus as well as FedLoans and the information has still not been removed.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I was reached out to via XXXX XXXX by a XXXX XXXX. She said that she liked my profile picture that I had for XXXX, and would like to use it for inspiration for a mural that she is doing for a business. She told me that she would compensate me for using my picture. I saw that we had a XXXX friend ( who I know personally ) in common, and decided to go with it. She emailed me a check for {$3500.00}, and I cashed this check through the mobile deposit my bank has on its app. After I cashed the check, XXXX XXXX began demanding that I send money to XXXX different people ( XXXX XXXX and XXXX XXXX ) for their art supplies. I questioned XXXX XXXX about this, and she continued to demand about me sending money to these people for the monetary value of {$1000.00} each, and the rest of the money I would be able to keep. I still questioned her about it, since she claimed to be a business woman, and she began to threaten me. She told me that she would XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I gave in and transfered a total of {$2000.00} ( {$1000.00} to XXXX XXXX and {$1000.00} to XXXX XXXX ) through XXXX and PayPal. 
The next day, XX/XX/XXXX, my bank contacted me and I told them what had happened. They told me that since I transferred money, I XXXX not be able to get any money back. They did give me a XXXX credit for the PayPal transaction. I contacted local police, and reported on reportfraud.ftc.gov. The check of {$3500.00} bounced back, and I was left with {$2000.00} less in my bank account. XXXX business days later, my bank sent me a document that the report that they made for fraud was declined. 
I have been receiving emails and messages from various people that have been still threatening.
Product: Credit reporting, credit repair services, or other personal consumer reports

my new account shows derogatory on my credit bureaus and in chapter XXXX ... this account was never in chapter XXXX or derogatory///account XXXX  XXXX  XXXX
Product: Mortgage

XX/XX/XXXX. I had a balance of approximately $ XXXX. XXXX was at a promotional 0.9 % and XXXX was at 3.5 %. Payments are applied to the 0.9 % balance first before being applied to the 3.5 %. I planned to pay the loan off in full, and re draw my balance, after reaching {$0.00} so that all my new balances were at the 0.9 % balance XX/XX/XXXX I wired XXXX from my personal bank account. The title company I refinanced with was supposed to wire XXXX this day too, but instead overnighter a trust account check. 
XX/XX/XXXX Vectra received and deposited the XXXX title company check. I tried to get the check stopped and a wire sent. Vectra returned the XXXX wire that was sent XX/XX/XXXX by the title company and deposited the check, despite me asking to do the opposite. 
XX/XX/XXXX Vectra cleared the XXXX check as they knew it was " good funds. '' XX/XX/XXXX Vectra loan specialists says my account balance is {$0.00} and any money I draw will be 0.9 % and amortized over 10 years. I redraw XXXX and this is amortized properly and payment and interest rate is correct. 
XX/XX/XXXX I receive a wire from Vectra for {$120000.00}. Confused, I call the loan specialists I was talking to. I said I was going to draw that money again, so as long as it was at the 0.9 % I was ok with the payment/redraw to me. She confirmed the XXXX would be at the 0.9 % interest. 

My XX/XX/XXXX payment comes and my payment is XXXX what it should be! When asked why, Vectra said I didn't pay down my XXXX of the XXXX loan completely, so it was amortized on the XXXX owed at one point. This is even though the statement they sent me showed me having a negative balance for 3 days. Vectra then changed dates on when money was received. My statement that was mailed to me says one thing, the statement online on XX/XX/XXXX say something different, and the ledger online says something different. None of the current statements reflect my payment made on XX/XX/XXXX. On XX/XX/XXXX I get an email from Vectra rep that states false dates wires were received ( I have confirmations and dates ), and that Vectra was the one that MISTAKINGLY returned the XXXX wire that was not requested by anyone except internal errors/assumptions thinking the loan was overpaid. Vectra also stated that was the last time they would talk to me about the loan. Despite the paper trail saying something 100 % completely different from what they are telling me. They refuse to correct my payment. In the mean time, I had to pay over {$400.00} in late fees waiting their response, and paid about XXXX more in principle than I needed to due to their error. Vectra is just hoping I go away and they don't have to honor their 0.9 % offer on the correct amount I have drawn.
Product: Vehicle loan or lease

I have made my car payments on time even after I lost my job. My car payment was my # 1 priority. I had surgery and when I made my Payment I didnt realized I paid the wrong amount. When I noticed I went back to pay the correct amount only to time the system was down and did not allow my payment to go through. I was unable to make a phone payment at the time. Being in the hospital but when I was able to make the Payment they have already reported to the credit bureaus. Now my score went down 154 points and i was denied for the house i was approved for already because of the late Payment. I would have not received a late Payment if the system was not down. I spoke to someone that said they would help me and nothing happened again I called and no one then was willing to help me. I have called several times with no help and I am living in an efficiency with my kids now because I will not be approved for anything right now. I only have 1 late Payment out of 14 months and it wasnt even my negligence. I would have corrected the mishave if they system was working as it should. The rep told me the system is always doing that. But that is not anything I could tell the rental property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get several errors fixed on this account for 6 months and it's been horrible. First, they my balance kept reflecting {$760.00} dollars even though it was paid In XXXX of this year. Now they made ANOTHER ERROR and my payment history was changed on XXXX to missing 2 payments in XXXX and XXXX of this year, while the actual late payment from XX/XX/XXXX was removed. I WAS NOT LATE. I was in a hard ship program that Uplift offered and credit reporting was postponed. The payment was due by XX/XX/XXXX which it was, hence why my payment history was accurate until someone made a HUGE MISTAKE! I called today and spoke to a rep who indicated the whole financial team who reports and call center were new and she never knew they had it because it's no longer offered. It doesnt matter if it's no longer offered because at the time, I was in it. All the emails are attached to this complaint and CAN BE SEEN IN THE SYSTEM AS WELL AT THE COMPANY THAT CLEARY SHOW I WHAT I SAID was accurate. She has no idea why this happened and told me I must dispute it and show proof that it is reflecting wrong. This is horrendous. I shouldnt have to constantly call and file disputes for someone not doing their job in a sufficient manner.
Product: Credit reporting or other personal consumer reports

I was checking my credit on Credit Karma and noticed significant errors recently, specifically on my XXXX report on Credit Karma. It shows that they closed three ( 3 ) ACTIVE in GOOD STANDING credit card accounts that I use on a regular basis. I went to the direct XXXX site and these accounts are NOT closed on the XXXX site. I contacted XXXX via telephone and filed a dispute even though XXXX did not close the accounts on their end. These three ( 3 ) accounts are showing closed on Credit Karma and have a note that they have been included in a bankruptcy. This bankruptcy was prior to opening these accounts a couple of years ago. These ACCOUNTS ARE NOT CLOSED. I also contacted my lenders to advise them that Credit Karma has reported incorrect information and confirm that they did NOT report this information. I then contacted Credit Karma and they said they only enter information as received. THIS INFORMATION WAS NOT RECEIVED FROM XXXX and they closed these accounts in error. Credit Karma refuses to correct the problem. This is a huge mistake and I need it corrected immediately. How can a 3rd party credit reporting agency arbitrarily close someone's accounts with receiving that information from a lender or the main credit reporting agency. This is an error on the part of Credit Karma. This also adversly affected my credit score.
Product: Money transfer, virtual currency, or money service

Im filling a complaint with Cashapp due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fraud fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek to appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

This concerns PNC Bank in XXXX NC. I deposited XXXX on Sunday XX/XX/2019, at a local branch ATM. The ATM malfunctioned and kept my XXXX bucks but didnt credit to my account. Of course first thing after I contacted PNC customer service. They filed a dispute as this is the procedure in order to have missing money returned to the customer. This so called dispute procedure takes 10 days according to the policy in place. I just got the news my dispute has been denied. So in other words they kept my money. Understand that machine malfunctioned and it was indeed in need of major repairs. Yet and still I was denied my own money that was literally stolen from me via PNC ATM machine. This is not only ridiculous but shows what kind of company PNC really is. I just want my money back ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeal I sent. The last letter sent to XXXX and Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The account listed below is still reporting on myCredit Reports and needs to be deleted immediately : XXXX XXXX XXXX ( Original CrediXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX
Product: Credit card

On Friday, XX/XX/year>, I received a communication from Citi regarding my credit limit being lowered significantly ( $ XXXX less ). Allegedly, this was due to a review of XXXX. This is not the first time that Citi has done this to me. Rather than being at about XXXX  % utilization, I now am at XXXX  %. Interest will make me over limit. 

I am requesting the following : XXXX Financial compensation in the amount of {$1000.00} by way of interest charge credits. I need to have more available credit and the sudden and drastic decrease is going to very negatively impact my credit score. 2- Going forward, I would like Citi to ask me if I want credit line increases, rather than giving them and snatching them away randomly. I'd like to provide consent for an increase so that they can not pick and and choose when to destroy my credit score. No other credit card that I have ever had has done this and it feels very unethical to make such sudden and drastic changes that so greatly impact customers.

This has happened before, and Citi provided an interest credit. I am asking for the same, however more than one month 's worth. Previously, I did not notify the CFPB but because this is a repeat incident without a worthy explanation from Citi, this should be reported.
Product: Debt collection

calls daily from various phone numbers listed across the country. The name that shows up on caller ID is First Credit Ser ( vices ). Never received any notification from company, no explanation. I do not want to engage personally as this is totally unknown entitiy.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the tile of a consumer that the consumer identifies as in information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete items immediately.

These accounts should not be furnished on my consumer report as they are in violation. Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection in any consumer report agency may tarnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer whom it relates, I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. As a consumer, I am requesting deletion of all negative reporting accounts immediately. Thank you for your time.
Product: Credit reporting

EXPERIAN is illegally and unlawfully reporting information on my credit file. I 'm asking for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( 5 ) prospectus, ( c ) Federal Reserve form XXXX XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have 30 days to responded to my request. I also need EXPERIAN to present a certified final forensic audit in accordance with XXXX in accordance with basel XXXX accord and XXXX. I also need them to present these documents from the following vendors/creditors : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit card

I requested a payment to Bank of America be reversed in the amount of XXXX on XX/XX/year> because it was not authorized. I was told it would take up to 5 to 7 business days to reverse it, by multiple representatives. Over XXXX months later and the money has not been returned to my checking account. On XX/XX/XXXX the charges reappeared on my Bank of America statement and I have been charged interested the entire time, as if I had been refunded the money. I have yet to see the money and today XX/XX/year>.
Product: Credit card or prepaid card

I try to take money out of the ATM and it says please contact your finacial institution. 
When I call the XXXX it says " We are currently experiencing high call volumes, please call again later '' and hangs up on me! 
They promise " 24/7 '' customer support. I am a XXXXXXXX XXXX  service conected XXXX veteran who can not pay his bills. I don't care if you tell me I have to be on hold for a hours just don't hang up on me!
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? 
I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
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

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 



Based on, IS U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identiftes as information that resulted from an alleged identity then, not later than 4 business days after the date of reccipL It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, IS U.S Code 1681 b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consurer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Bank account or service

My story is pretty simple. I work for the state. the program is called In-home-supportive services. I have been with them for 8 years. The month of XXXX was the longest time I ever waited for my direct deposit. It was three weeks late. Causing my reoccurring bills to over-draft my account by exactly {$170.00}. 
I had reached out several times to the customer services Center and with no feedback as to why I could not be refunded the XXXX over draft fee 's totalling XXXX. I called my XXXX XXXX attorney and they advised me to write to this Web site.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX BANK XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX CARD # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX US SM BUS ADMIN XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

{$4100.00} inaccurate information no action was taken nor court to address this is identity theft.
Product: Credit card or prepaid card

First the credit card company has been wonderful about trying to resolve this complaint. The problem is XXXX XXXX refusal to admit to incorrectly force me to purchase another ticket in order to fly. XXXX XXXX shares with XXXX where I purchased XXXX tickets from XXXX, FL to XXXX, XXXX on XX/XX/2022 for travel on XXXX XXXXXXXX XXXX Everything seemed fine, including a valid PNR in my XXXX account to this day. Seat assignments email reminders were sent and acted upon with no problem. Upon arrival at the airport we were told that my wife 's ticket had been voided. We stood at the ticket counter for 3 hours XXXX told us that we would have to purchase another ticket. Since it was 45 minutes before the flight, we had no choice but to do so for {$850.00}. There was nothing in the computer in my XXXX PNR nor as of XXXX XXXX on the XXXX PNR. How would a ticket voided on XX/XX/XXXX remain valid in both airline systems to this very day. Additionally, XXXX did not issue the ticket until XX/XX/XXXX. Both PNR 's are attached. 
XXXX does not maintain a customer service line and the only available communication is by chat. You can see that the agent in the chat, admits holding the ticket in question not as void but as 'not flown '. XXXX insisted i resolve the issue with XXXX. 
XXXX, though, issued the new ticket as a XXXX ticket not as a XXXX ticket and therefore the new ticket was the property of XXXX. My credit card company has tried twice to get XXXX to refund the {$850.00}, to no avail. 
I have never heard from XXXX or XXXX outside of the initial chat session. They document to my credit card company that the ticket was " VOIDED DUE TO REASONS UNKNOWN ''. How does that hold up anywhere. They don't know why the ticket was voided after 8 months time. Credit card company has all documents