23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I last spoke with a supervisor ( XXXX ) on XXXX after receiving the last response from a Citibank Representative on my recent complaint with CFPB. 

Although, I did not inquire about " settling '' the account I was not given any options on how to resolve the balance either. Currently, the principal balance according to XXXX is {$590.00} with {$170.00} ( late fees of {$25.00} per month ) plus any interest. 

Prior to the conversation with XXXX, a conversation ( early XXXX ) with a representative in the loan department stated that " for two payments ( XXXX and XXXX ) no interest would be charged and the account would be deferred. '' I would not need to make any payments. But, I made a payment in XXXX in the amount of {$250.00} ( {$220.00} is the minimum payment ). XXXX refused to provide any options on how to resolve the matter. I asked about waiving a few fees, to which were immediately dismissed by saying '' we can't do that because you were consistently late. '' Which I felt was extremely offensive, I felt like a criminal in that moment. In XXXX of last year, I lost my job which put me behind in payments. But I paid what I could. Now I am a product of the Pandemic, but I am still paying trying to resolve this responsibility. 

I was so angry by her statement that I responded back stating " I could easily let the account go and not pay anything! '' My experience with Citibank has been an extremely horrible ordeal. It is unfortunate that I stayed this long, over 10 years.
Product: Checking or savings account

I attempted to mobile deposit a check I received with Bank of America. It stated that it usually took about 3-7 business days to clear to insure funds were available to cover the check this happened back in XXXX I believe. Undoubtedly there wasnt enough money or the account had been closed so the check came back I never had access to the money whatsoever. Months later I had two fraudulent charges on my account that I reported about two weeks later I attempted to login to my account and was unsuccessful. I reached out to Bank of America where I was told my account was closed and my funds would be sent to me whenever they saw fit.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED. 

INACCURACIES ON CREDIT REPORT AFTER MULTIPLE DISPUTES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX with the XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment EQUIFAX XXXX XXXX XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) 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, XXXX XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXXXXXX XXXX
Product: Debt collection

On XX/XX/2022 Sunrise Credit Services placed a collections debt on my credit report, I have never received anything in the mail or have gotten any calls regarding this debt and for them to just up and put this collection on my credit report is very upsetting. I would like for Sunrise Credit Service to please Validate this Debt with proof of any documents that they may have, the company they're stating that I owe I'm currently still a valued customer
Product: Credit reporting or other personal consumer reports

the employment and name are not correct, i need removed from my credit report immediately.
Product: Credit card or prepaid card

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on WNORDSTM/TD with the account number XXXX Also, I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Debt collection

I received several calls from XXXX XXXX. XXXX from Schwartz and Schwartz & Assoc. I inquired about the concern. I explained that I did not receive letters and asked for the address on file. They had the wrong address. XXXX XXXX stating I owed funds from when my daughter attended school. I told her that was not accurate and I asked if I could call her back after speaking with Mr , XXXX XXXX. During the four days attempting to get in contact with Mr. XXXX, XXXX XXXX called several times during the work day. I repeated told her I was attempting to get in contact with Mr. XXXX. Ms. XXXX continued to threaten reporting this debt to the credit agency. I told her that I was in the home buying process and will correct this error. I continued to receive calls a day later. I finally called the office and asked for a different person on my case as she was harassing me via email and phone.

Almost two days later, I told the Mr. XXXX XXXX I did not own that amount of money and would gather the evidence to prove that I did not owe the money. He stated that it was no longer in hands. I told him that I personally paid him in for my daughters tuition and that he did submit most of it right away. I remined him that I called in the Summer to ask that he make the corrections as well as there was still a balance. He acknowledged that I did pay him ; however, he stated it was out of his hands. I asked him for the name and number of the Business office manager. He refused and stated he would not provide me with that information. I again stated that I paid him, and he yelled at me and hung up on me.

Immediately after my call with Mr. XXXX, I reached out to the collection agency ( XXXX XXXX. XXXX , Schwartz , Schwartz & Assoc . XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX LIC. # XXXX ) and told them the I did not owe {$1400.00}. They called me several times and kept threating my credit report- this happened in one week. I asked them to allow me until next Thursday to gather the necessary information to prove that I paid all bills and that my daughter was only in school for 4 1/ months. A few days later my credit report showed I owed the balance of {$1400.00}. This lowered my score and prevented me from moving forward with a mortgage loan
Product: Credit card

I have a credit card with TD Bank. I received and accepted a balance transfer offer. I asked for XXXX. I was advised by TD Bank on XX/XX/XXXX that it was approved. My card was charged XXXX plus the fee of XXXX on XX/XX/XXXX. I was subsequently advised by TD Bank that the original request was not processed however it would be. I also received a statement from TD with a payment due date of XX/XX/XXXX. As of today XX/XX/XXXX the balance transfer has not posted to the recipient bank. My balance prior to the balance transfer was XXXX. To avoid late fees and other issues I was forced to make a payment to TD Bank today for funds I have yet to receive the benefit of. I believe this to be an Unfair or Deceptive practice on their part.
Product: Mortgage

I lost almost all my work during the beginning of Covid and my Mortgage company Wells Fargo offered me a Mortgage deferment. I signed up for 6 months, but they didn't get the paperwork sent to me in time and did 7 months I am now back to paying my payment but I saw instead of my mortgage balance being the same, it is now the amount ( over {$6000.00} ) of my deferment. I was at {$72000.00} principal balance, but now am over {$78.00} When I reached out to them, they sent me a response back stating it is an " unpaid secondary principal balance. '' This isn't what I was told at all. I only deferred my payments, they shouldn't have added it like I'd taken a secondary account! Please help I havne't uploaded a copy of the response back, but I can upload later if you need it
Product: Debt collection

CAVALRY SPV I , LLC sued me for debt while I was in the process of declaring bankruptcy. They did not serve me notice at the proper address ( I did not reside at the address they did serve ). They levied my bank account and took {$1200.00}, well above the amount allowed. I am indigent, living on welfare. The court nevertheless decided against me, despite at least two clear violations of law ( failure to notice, taking above the amount allowed ). When I first submitted paperwork to reverse the judgement, I demanded to see proof of service, Cavalry failed to provide it. 

I would like to clarify that I have been incarcerated from XX/XX/XXXX through XX/XX/XXXX, and from then on I remain on parole. My whereabouts are absolutely clear, despite the court complaining that my address is not stable. I am searchable on the internet without using legal tools ; I am equally searchable on the internet via a variety of legal search tools. My address is known by the state, the counties of XXXX and XXXX, the courts therein, the state police, and state parole. The complainant simply didn't bother to verify my address ; there is no excuse. 

SUPERIOR COURT OF NEW JERSEY - XXXX The following was filed by XXXX XXXX XXXX on XX/XX/XXXX : Plaintiff Name CAVALRY SPV I , LLC Defendant Name : XXXX XXXX XXXX Case Caption : CAVALRY SPV I , LLC XXXX XXXX XXXX XXXX Case Number : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXExperianXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Product: Credit reporting or other personal consumer reports

I was part of the data breach with equifax and my information was compromised and do not recall these files please delete off my credit report I have submitted a complaint to the ftc as well. 


Attached is information off the ftc website
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 U.S.C. 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 reporting, credit repair services, or other personal consumer reports

I am apply for my first home loan all three credit reports are showing different account XXXX has XXXX XXXX loans that were removed 2009. XXXX has removed this. And all the letters I have sent the accounts XXXX Bank of America, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX ) have not be updated to never late. 
XXXX is obligated by the XXXX to report accurate accounting consumer has advised. ALL injuries reported was fraud said company had 4 days according to the LAW to remove such items. FTC XXXX report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine the injury was indeed authorized by the consumer XXXX has 15 days to provide me with wet ink signature consumer is NOT asking for an e-Oscar report. If XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID company ( listed below ) will be liable under SEC to follow certain rules. XXXX XXXX file number XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX BofA XXXX XXXX XXXX XXXX XXXX of the XXXX, XXXXXXXX XXXXXXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX I will be filing form XXXX treasury omb forms to audit consumers account. XXXX is securitizing consumer data yet refuse to provide consumer a copy of their Consumer File Not Consumer Report. 

Companies : Account name BANK OF AMERICA Account number XXXX Account name XXXX Account number XXXX .... 
Account name XXXX XXXX XXXX Account number XXXX .... 
Account name XXXX XXXX XXXX  Account number XXXX .... 
Account name XXXX XXXX XXXX  Account number XXXX ....
Product: Credit reporting, credit repair services, 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. XXXX XXXX XXXX XXXX XXXX Acct # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 U.S.C. 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 reporting, credit repair services, or other personal consumer reports

This is my second 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 an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened XXXX business accounts at Bank of America XXXX I order XXXX cards XXXX for my primary account the other an employee card for the secondary account however I added funds to the secondary account and it automatically without authorization or knowledge went into the primary account I called and spoke with a representative and was told the cards are attached to appropriate accounts and that I may have made an error with deposit into wrong account after further issues being the same I called in Again and was told on XX/XX/XXXX XXXX XXXX that both cards was attached to the primary account and that funds have been used from my primary account every time the my employee swiped their card my account was notated and I was told the issue was resolved however upon further issue I noticed the card was still attached to my primary account and my employee was able to directly have access to my business funds via XXXX atm and any other means and I was told by the bank that they cant issue my money back and that I can file a civil suit this has caused a great deal of stress both financially and emotionally and I just want my money back
Product: Credit card

I have a Chase XXXX XXXX credit card, which provides a fee waiver for the first checked bag on XXXX XXXX. When I arrived at the airport on XX/XX/XXXX for my flight from XXXX XXXX to XXXX, I was informed that I needed to pay a {$75.00} checked bag fee, despite 1 ) having booked my flight on the XXXX website, 2 ) having booked a United code shared flight ( which I didn't realize at the time was actually operated by XXXX because it was buried in the fine print ), and XXXX ) the flight being operated by a XXXX XXXX XXXX XXXX XXXX ( XXXX ). 

I called Chase to ask about the charge on XX/XX/XXXX, and the Chase representative informed me that I could ask for a refund through XXXX, which I did ( Request ID : XXXX ). The Chase representative also informed me that the card waives checked bag fees for all XXXX and XXXX XXXX flights. XXXX denied my refund request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( XXXX XXXX ), after settling a lawsuit for $ XXXX, is still reporting derogatory statuses on my credit reports for loans dismissed as a result of their illegal & fraudulent business practices including but definitely not limited to forbearance steering & payment mismanagements originating in loans taken out in XXXX and in repayment from XXXX onwards. I was directly and adversely effected and it has cost me thousands in the ensuing years in the form of higher interest rates, denied financing, and an inability to demonstrate an established good payment history. This predatory and illegal behavior occurred at a time when I was overseas on XXXX & serving in US military which only exasperated my ability to handle it quickly or effectively. I almost lost my security clearances multiple times and only maintained those by paying large lump sums of money out of pocket over a satellite phone to cover XXXX predatory and purposeful mismanagement. I was working XXXX hour days on the XXXX XXXX of XXXX XXXX XXXXXXXX. I couldnt simply step away for a minute to handle my finances as a result of a bad loan service providers actions back home within the XXXX time zone differential very easily and even if I could have for a minute, the chances of calls dropping neared 100 %. Can you imagine? As you know, this is an extremely important and arguably the most important part of having access to reasonable credit at competitive rates. To this day, the Credit Reporting Agencies are unable to remedy the situation through their normal investigative methods. Ive given these agencies detailed explanations referencing dated documentation aka PROOF. This is in addition to the public evidence brought forth by 39 State Attorneys Generals which undoubtedly provides the most insight into how this company has operated in the past and during the exact timeframes mentioned/reported in the enjoined multi-state lawsuit and displayed in bold print on my credit reports. Despite my best efforts, those damaging accounts remain a burden to this day. I am seeking a mortgage to buy our first home with my wife. Weve worked hard and weve attained good careers through dedication and hard work and we deserve our dream home and these negative remarks are an unfair hindrance to this goal. They were rightfully dismissed in the lawsuit yet remain derogatory stains ( through no fault of my own ) on all 3 reports despite my best efforts to have them removed. Im filing this complaint because it is the next step for me seeking this relief. XXXX still reports derogatory remarks ( collection/charge-off/bad credit ) for 6 accounts beginning with numbers XXXX in the amounts of {$8600.00} ( opened XX/XX/XXXX ), {$12000.00} ( XX/XX/XXXX ), {$14000.00} ( XX/XX/XXXX ), {$11000.00} ( XX/XX/XXXX ), {$1900.00} ( XX/XX/XXXX ), & {$1900.00} ( XX/XX/XXXX ). Note : These amounts are nearly double what I originally took out because of their practices. Its ruinous to say the least. Assistance is warranted and would certainly be appreciated.