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

My accounts 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 to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its req
uirements 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. 

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!
Product: Credit card or prepaid card

On XX/XX/XXXX, I filed a fraud claim ( XXXX ) after not being able to get anyone over the phone for weeks. The agent told me that in addition to him submitting the claim, that I needed to fill out a dispute form and email it to them no later than XX/XX/XXXX. I completed the form and emailed it to them on XX/XX/XXXX. I have gotten no response whatsoever, even after I asked them to confirm receipt of the email, and after I resent it to them again on XX/XX/XXXX I recently received a letter in the mail from them dated XXXX, stating they denied my claim, with a reason that makes absolutely no sense. Based on the results of this investigation, your claim has been denied due to your other purchases related to the transactions in question. '' What does that even mean, other purchases??? There werent any purchases made on the card that I told them were authorized!!! Every single transaction done I reported as fraud. Again, they make absolutely no sense!!! Not to mention, their denial was literally three days after it was filed by the agent over the phone!! The agent had told me that in order for the claim to be processed, I needed to fill out their dispute form and send it back to them So then, how could they deny my claim before even giving me a chance to complete the form??? In addition to that, now its right back to me not being able to get anyone over the phone who can help me. I call and get someone oversees, they transfer me to an automated system that doesnt even recognize my card or personal information and doesnt give me the option to speak to someone.. just tells me to call back when I have the correct information and then hangs up on me. This company needs to be reported and dealt with, aside from them grossly handling my fraud claim. They should be forced to terminate their business operating this way
Product: Credit card or prepaid card

I bought a house XX/XX/XXXX. I opened an account with XXXX internet services in XXXX, Virginia for the house i was moving in. I set my account up with autopay like i do all my bills and they took monthly payments out of my account of {$54.00} like authorized. They made a mistake when i set up my autopay over the phone after having fraud on my account and charged me {$100.00} in XXXX. I called XXXX and they refunded me the {$50.00} for overcharging me in XXXX but then in XXXX they charged me a payment of {$160.00} and when i called XXXX they said it was because they never received a payment from me in XXXX. That is negative i have bank statements to prove that i paid them every single month. I explained to them everything and they removed the fees and refunded me {$63.00} but would not refund me the rest of my money because they kept saying that i owed them because i did not pay them in XXXX which is not true. So $ XXXX {$63.00} = {$100.00}. They owe me {$50.00} since i pay {$54.00} a month and they charged me {$100.00}. I disputed the {$160.00} with Fifth Third Bank after explaining to Fifth Third what happened and walking through each month to confirm all the payments that i made. In XXXX I continued my {$54.00} payment as scheduled and when XXXX refused to give me my money back i closed my account with them and paid my remaining balance in XXXX of {$14.00}. I still have not received the {$50.00} that XXXX owes me and Fifth Third canceled my dispute even after all the evidence that i sent and the proof of my bank statements. I attached all the bank statements of XXXX. I can not access XXXX XXXX Bank statements from my mobile app since it only shows me XXXX bank statements but i attached a screenshot i took a year ago to prove that i had made those payments in XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020 my bill did not go through AMERICAN CREDIT ACCEPTANCE - account with 1 missed payment. I am kindly requesting AMERICAN CREDIT ACCEPTANCE to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit reporting or other personal consumer reports

I purchased a new home in XXXX  and moved from XXXX. Unfortunately, plans did not go as planned and I was behind right away. I kept close communication with my lending company letting them know when I would be making my payments. A representative I spoke to assured me, my credit would not be affected as long as I made my payment when scheduled. A couple of times, the second half of my payment was past the 30 days but it was confirmed by a representative that there would be no credit reporting as long as I paid it as scheduled. I have been hit with a payment on my credit report which has brought my credit score by about XXXX pts. The mortgage company said they did an investigation and found no calls of any of their representatives telling me such information. I find it hard to believe they thoroughly went through those calls because if they did, they would have heard when the representative told me my credit would not be affected. I have worked really hard to make sure my credit does not go down due to late payments. I have 100 % payment history on my report.
Product: Credit card

I purchased a coat from jomashop on XX/XX/23 and returned the coat through usps XXXX. XXXX has confirmed that the package was delivered to an individual at the merchant address. The merchant however has refused to issue a refund. I have disputed the charge with my citi credit card however my credit card has said the company disputed the charge and will not respond to their calls or e-mail and cant resolve my dispute or refund.
Product: Mortgage

On XX/XX/XXXX, an authorization and documents to begin a short sale were faxed to Selene Finance. As of today XX/XX/2022, I am not able to speak with anyone at Selene Finance to obtain a short sale. I have even been hung up on. My home is in danger of being foreclosed on. Since this is an FHA loan the bank has to follow certain procedures, which they are not and are refusing to cooperate with me to obtain a short sale. I can not even speak with a manager when I call, which I have done numerous times. Please help me fix this situation. I have been denied speaking with the bank regarding my account on numerous occasions.
Product: Debt collection

In a recent review of my credit report, I have noticed some errors. Please make the following changes : XXXX XXXX account # The Date of First Delinquency with the original creditor is not provided. Please provide this. 
The end of the seven-year reporting is not listed. Please provide this. 
Credit Limit is not listed. Please provide this. 
Date of Major Delinquency is not listed. Please provide this. 
Actual Payment Amount is incorrect. Please correct or remove this The Date of Major Delinquency is not listed. Please provide this. 
Charge Off Amount is not provided. Please provide this. 
Incorrect Account Status. Please correct or remove this. 
Original Company Name Not Listed. Please provide this I understand that under the Consumer Credit Act 1974 ( sections 77-79 ), I am entitled to receive a copy of any credit agreement and a statement of account when I request it. I understand a copy of any credit agreement along with a statement of account should be supplied within 12 working days. 
I understand that, under the Consumer Credit Act 1974, creditors are unable to enforce an agreement if they fail to comply with the request for a copy of the agreement and statement of account. 
In the event that you can not verify the details and/or provide the requested information, kindly remove these damaging accounts from my credit report.
Product: Credit reporting

XXXX XXXX, 2016 XXXX XXXX XXXX XXXX processed a request for a change of address to a fraudulent address. I recieved the copy of the address change in the mail thus alerting me that is fraud activity. This enabled the thief to utilize my visa card, change the address and have access to confidential information. This accelerated an additional fraud with XXXX giving access to both accounts .... as the statements were mailed to the fraud address of : XXXX XXXX XXXX, XXXX XXXX, Fl. XXXX. 
A report was filed with The City of XXXX Police, case # XXXX : XXXX, as well as with Credit XXXX Bank .... the original offender and XXXX . 
XXXX XXXX XXXX has refused to remove the fradulant fictitious address information from My Equifax credit report.They were the original ones that caused the felony. 
XXXX has processed the claim and credited back ALL of the fraud charges. 
XXXX had corrected the address.as the fraud claim is still ongoing. 
I am XXXX in Florida. 
It is imperative that the incorrect Fraudulent address be removed from my credit reports.
Product: Credit card or prepaid card

Citibank - 0 % interest promotional rate expired on XX/XX/XXXX. {$7900.00} promotional rate balance " moved to standard purchase '' interest rate on XX/XX/XXXX, with 16.99 % interest rate. Standard purchase balance was {$0.00} prior to XXXX. Payment of {$8300.00} made on XXXX should have been applied to " standard purchase '' balance of {$7900.00} after minimum payment amount due of {$220.00}, in accordance with Citibank 's own policies, which state : " Each month 's minimum payment due is applied in the following order : 1. Past due amounts ( if applicable ) 2. Current interest charges 3. Principle balances in Annual Percentage Rate ( APR ) order from lowest to highest. 

Please note that payment amounts greater than the minimum due are applied to balances with higher APRs before balances with lower rates. '' I contacted Citibank on XXXX via chat, then was transferred to a supervisor via telephone. After extreme resistance, they admitted that XXXX, the date of the payment, is indeed after XXXX, the date they moved the promotional balance to the highest interest rate in my account. They advised me that they would " make adjustments '' in accordance with their policies. 

I then received a letter from Citibank dated XX/XX/XXXX that they were " unable to apply your payment as requested, '' EVEN THOUGH THAT WAS A VIOLATION OF THEIR OWN POLICIES AND CONSUMER PROTECTION LAWS. 

As a result, I am now paying 16.99 % interest on a large balance, and they incorrectly paid off a 1.99 % promotional rate through XX/XX/XXXX on a balance of {$3700.00} on the XX/XX/XXXX statement, terminating that rate on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2022 XXXX XXXX XXXX AV XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX  : {$0.00}
Product: Credit reporting or other personal consumer reports

I asked to dispute XXXX Hard Inquiries but Equifax does an automatic check and does not investigate or give the option to provide any supporting arguments This was with XXXX and I called to explain that the agent did this inquiry in error, and she said it would drop if I didn't confirm the check XXXX XXXXXXXX XXXX XXXX XXXX XXXX OH XXXX Date of inquiry XX/XX/2023 This was with XXXX in XXXX, and I soent almost XXXX full days with their customer support THEN to make sure it was NOT A HARD Inquiry and they assured it ... so why is it appeareing now? 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX of inquiry XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Transunion credit report in XXXX XXXX 2020 and noticed a hard on my report which I did not authorize. I had then contacted Transunion about this matter but due to the pandemic was not able to get a response. 

The inquiry for - XXXX XXXX XXXX  on the XX/XX/2020 I contacted TransUnion to have this removed but they did not respond.
Product: Checking or savings account

On XX/XX/2023, I wanted to get rates for Citizens Access CD. Since I was already in my account online, I entered 2 year cd and it asked for the amount I wanted to put in, which I did. When I pressed next, I was locked into that CD rate. I have never had that before. When I am going to lock in, it asked me if I want to lock in. No rate was quoted, just locked in and my money taken out of my savings account right away. 

I called the next day and spoke to a supervisor, XXXX, at the call center. She denied my request to cancel without a penalty. 
I then submitted a claim to the Office of the Controller and spoke to : XXXX. She called back and told me my request was denied, that I could see the rate online, which is incorrect. 

There is nowhere advising me of the rate before I was quickly locked in by Citizens Access. 

To explain the screens : When I was going through the screens, and put in the information amount, it said continue, which I followed the prompt. ( on the bottom it say see rates, but I did not see it, since the continue button was much bigger ). I kept on continuing to see the rates and they never appeared, just the next button locked me in. 

I have opened many CD and have never been locked in without giving the rate and asking if I wished to continue. I think it is wrong that no where in the screens did the rate appear, just all of a sudden, I pressed next and was locked in without any options to not open the CD. 

I do not feel it is right that I should forfeit 6 months of interest and a XXXX penalty because the rate was not made clear before I locked in. 
I feel that I should have been able to get out of the CD without being penalized for non advertising, in other words, rate just not being disclosed. 

I have submitted a screen shot that shows : 2 year CD and continue but does not show the actual rate, which is the basis of my complaint.
Product: Mortgage

In XX/XX/2021, I applied for a refinance on my home, sent in all the required documents and was approved for a conventional loan ( Loan # XXXX ) according the mortgage company - Loan Depot. The loan was for {$230000.00}. I submitted all the required, was told that i was approved and I even signed the loan papers electronically. I was then told that the only thing needed was to get the appraisal done. I gave the loan officer, XXXX XXXX my credit card for him to pay for the appraisal. The appraisal apparently came out fine so I thought that all was okay. 

Mr XXXX called me afterwards ( after the appraisal ) to let me know that I could not get the loan because of my income. He had already told me that the loan was already approved and the only action was to do the appraisal. I confronted him and his supervisor and he, Mr XXXX admitted that he made an error and that he rushed to get the appraisal done because he thought the loan was approved. He prematurely have me order the appraisal. 
I told him that i needed my {$500.00} appraisal fee back due to his error and he told me that would not happen. he kept forwarding me to other people and now they're not answering my calls. 

I need a refund of my fee. No one should be able to lie to a customer like that and not pay back for damages. 

XXXX XXXX - XXXX # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Supervisor XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

It has been a whole year and no relief so my issue is with Transunion, XXXX, and XXXX with their reporting of a loan company, XXXX XXXX XXXX, in which each reports a 30 day late when in actuality I used their app to close the account in XXXX of XXXX. I have proof that their app was not working properly but I didn't catch it until XXXX because I noticed a XXXX charge. I will attach the email where an agent of XXXX XXXX XXXX talks about the app and guides me through the cancelation process. This was their error, not mine. I reject and am offended by XXXX, Transunion, and XXXX reporting this misinformation. This seems deliberate and is hindering my rights to fair credit while I am currently seeking a mortgage and other credit. XXXX XXXX XXXX has been compensated. In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX XXXX, and XXXX, Transunion, and XXXX have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. This is a blatant violation of my rights to fair credit and it is overwhelming. I am tired of being denied credit and having my rights violated. As a XXXX  and a consumer, I should be treated fairly, as should anyone any consumer any American.
Product: Credit card

As stipulated by 1666b, it is essential to promptly eliminate these late payment remarks.
Product: Mortgage

Ocwen purchased our mortgage in XXXX XXXX. We made our payments through XXXX XXXX, but our XXXX statement raised the payment from $ XXXX to $ XXXX, supposedly based on escrow. We contacted the company and were told the only way to fix the escrow was to apply for a loan modification, which we did. From there, things went from bad to worse. After months of submitting paperwork and proving our ability to pay and proving the actual escrow owed and legally due, Ocwen denied the modification, declared us in default and served us with a foreclosure notice in XXXX XXXX. We filed a Chapter XXXX bankruptcy to stop the foreclosure. As our home was also our business ( a traditional bed and breakfast ), these actions affected not only our financial status ( legal fees, etc. ) but also our ability to continue to operate our business. We wound up selling the home in XXXX XXXX. Our original loan amount of {$470000.00} was repaid {$650000.00} by the time Ocwen added fees, penalties and other charges to the final amount. We attempted, through our lawyer, to get a lowered payoff and to dismiss some of the fees and charges, but Ocwen 's lawyer refused to cooperate. We have suffered tens of thousands of dollars in damages, all because Ocwen and its representatives lied to us, manipulated us and cheated us on a mortgage for which we had never missed a payment since XXXX XXXX. The XXXX lawyers we consulted all told us our only option was to file a Chapter XXXX, and it appears that may have been a mistake. But we contacted the Nebraska XXXX, the Nebraska XXXX, the XXXX XXXX and even the XXXX to try to find assistance in resolving this without selling our business and our home. The original escrow discrepancy was never resolved, even with a court order for Ocwen to produce the paperwork proving its why the escrow jumped more than {$2000.00} per month. Such paperwork, to our knowledge, was never submitted to the court. We have a detailed chronology of our interactions with Ocwen, along with mountains of paperwork requested and submitted. When Ocwen purchased our {$470000.00} mortgage, our home appraised at {$820000.00}, and this was clearly nothing more than a bold-faced attempt to steal our house.
Product: Checking or savings account

In mid-XXXX I filed three disputes with Citibank regarding three transactions totaling approximately XXXX XXXX The day before I was supposed to get a provisional credit attached to my account I was notified that the bank had decided to close my accounts. Since then they have told me next to nothing about what is going on, except to say that my accounts are blocked pending review and telling me that I would be unable to retrieve the funds from my account - that rightfully belong to me - until the dispute process was complete, some 30 to 60 days from then. It has since been well over 45 days and I am still getting stonewalled by Citibank. All I want to be able to do is to go into a branch and pick up my money. One of the disputes I have already been informed has been resolved in my favor while the other two are, I suppose, still pending. I wouldn't know because they refuse to tell me anything about them. I tried going into a branch and the banker there told me he couldnt help me because the accounts are blocked. I keep getting the run around from Citibank and all I want is the money that is rightfully mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with all 3 bureaus in disputing credit report balances that either are closed and have been reopened by the collection agencies or medical bills that the hospital wrote off as charity due to no insurance or not able to pay. 

Ive been disputing for over 2 years and last year during XXXX XXXX and just tonight. Some bureaus have them off and others do not. This is affecting my application for my XXXX with my processing.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 i wrote you about these accounts and didnt get a response. I also wrote you on the XXXX of XXXX which was last year.By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ).

This is my last request ; I have also submitted a copy of this letter to the Federal Trade Commission, alerting them that I have signed receipts for letters delivered to you. You have not complied with my request under 15 U.S. Code Section 1681e ( b ) Accuracy of report -Compliance processes. I regret that I am obliged to take such action. As you are aware, federal law compels you to react within 30 days ; yet, you have not responded.