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

My account with XXXX 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 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 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: Checking or savings account

Citizens Bank has done the following : - The bank website and my statements do not show me who/what is debiting my account. I have no idea who has removed funds from my account. My transactions just show " Debit '' and the amount. It does not show the company or person who made the debit. The website does not provide this information nor does my statement. 
- I called to ask the bank who had made the debits from my account and the customer service rep was " not able to see it '' either- they could not tell me who was debiting from my account. 
- I called the bank on several occasions to complain about this and was given several different answers as to why I can not see who is taking money from my account. In one case I was told it was an " an IT error '' that had been happening that day - I had been unable to see who was debiting for over a week at that point- I was lied to. 

- I am constantly locked out of my online account now- when I try to perform password resets it does not recognize my information and forces me to call. I believe I am having trouble because I complained. 

I called my bank and they are literally not able to tell me who is debiting from my account. If it is fraud XXXX, nor they have any idea who is taking money out of my account. This bank is facilitating fraud- if someone is fraudulently accessing and withdrawing from my account- they are doing it with the assistance of this bank who can not tell me who is even taking the money, whether it is legitimate or fraud. 

The bank can not tell me who is debiting my account, this is aggregious.. How can a bank not be able to see who debited my account!? 

This complaint is regarding : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  rights reserved. Citizens is a brand name of Citizens Bank, N.A. ( NMLS ID # XXXX ) Citizens corporate headquarters : XXXX XXXX  XXXX, XXXX, RI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. -- Prior ( same complaint ) you closed without resolution -- -please STOP closing the complaint when the company responds but the issue is NOT RESOLVED. I am tired of refiling the same complaint over and over. 

This is now my XXXX complaint about the same problem. I can not access my Experian account online. They do not recognize the password and the phone number associated with the account is not mine so that I can update/change my password. 

I received a call about the issue from them and they left a message -- -I followed up and got an answering machine. No one has responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the US Bankruptcy Court of XXXX XXXX Court of California with their office and as well as the credit bureaus Equifax, XXXX and XXXX. The 3 major Credit bureaus claim that this is a verified account. And every time I go to ask the court if they have verified this account with the credit bureaus - they never answer my questions as to if they report to the credit bureaus or not. The court claims to dispute this with the credit bureaus and the credit bureau 's claim to dispute this with the courts. But neither one of these companies can tell me who verified this account, how it was verified.
Product: Credit card or prepaid card

I have 2 American Express Business credit cards which was under financial review for 20 days. Amex requested XXXX to get transcripts from IRS and verify income. After waiting over 20 days and providing all requested information, Amex informed me that they have decided to close the account because of the income listed on business credit card application is not accurate based on the transcripts they received. My business is a XXXX XXXX and income net income from the business is transferred from business to my personal via XXXX XXXX. They only looked my personal taxes without even looking the corporation side depreciation deductions and other staff and made their decision based on that. I insist that the numbers they are trying to consider as my income is not accurate and does not reflect my real income. They need to evaluate both business and personal taxes to get an accurate income information. They closed my account without valid reason and forced me to disclose my personal and business taxes.
Product: Credit reporting or other personal consumer reports

I requested that a few accounts on my credit file with Equifax be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX As of today, XX/XX/XXXXXXXX  I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.
Product: Credit card or prepaid card

Im contacting you because I ordered a XXXX XXXX XXXX on XX/XX/XXXX Order Date XXXX Order Number On this date I cancelled the order XX/XX/XXXX Cancellation Date After several months of reaching XXXX customer services I still have not received a refund of {$1500.00}. Please help me. 
I filed a dispute with Bank of america and they denied my dispute on XX/XX/XXXX
Product: Mortgage

After about 100 phone calls trying to resolve and re-instate my homeowners insurance. Flagstar through a combination of negligence and incompetence failed to make payment on my homeowners insurance. After claiming they sent payment to re-instate- it did not go to the right address apparently. Flagstar charged me for 8 months of their homeowners insurance which cost over 3x the rate and does not cover anything other than the dwelling. Multiple phone calls, they admitted error. When trying to call continuously got pushed around to wrong departments. Ive tried to get back in touch multiple times and have been on hold over 2 hours multiple times. Claimed a supervisor will call me back 5x but has yet to do so. Please help- this feels criminal and I feel unable to resolve w Flagstar. Theyve had over XXXX of mine for years now which has caused financial hardship. Thank you very much. Apologies for being frustrated. XXXX XXXX
Product: Credit card

A few months ago I started receiving emails from Citi XXXX XXXX telling me that I have a new credit card. I simply deleted the emails because I never applied for their credit card. Then a couple of days ago I received an email with a statement attached requesting payment. This I opened and it showed a balance and a credit limit and my minimum payment. We use a Citi Bank XXXX at work so I have seen their statements before. This one looked legit so I scrolled down to find a " Contact Us '' link. XX/XX/year>2025 I called that customer service line listed there. After a long phone tree and asking for the last 4 digits of my credit card account number or the last 4 of my SS #. I got someone to answer the phone. I explained what happened. They gave me a different phone number to call for their Fraud Department. I called that number XXXX/XXXX/205. After a similar phone tree, I finally got to an agent. She said she located my account with the information I gave her ( name, address, phone number ). She said she would close the account, but she would need my social security number to do so. At first I refused, but she assured me that she works for Citi Cards. I believed her and so I gave her my SS number over the phone.
Product: Credit reporting or other personal consumer reports

XXXX will not fix and report my account as paid off! Experian will not fix this either even with the attached pay off statement. Fix it! 

I have disputed this 3 times!
Product: Debt collection

I have attempted to get debt validation from this company in XX/XX/2017 to no avail no validation was sent. I am filing this complaint after recently obtaining my credit reports from XXXX, XXXX, and XXXX. I believe the debt to be invalid and I am requesting and have requested in the past that this be rectified. I have yet to be provided with the following information : 1. Evidence of their authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2.What is their authorization of law for their collection of information? 3. What is their authorization of law for your collection of this alleged debt? 4. Provide evidence/proof of the alleged debt including specifically the alleged contract or other instrument bearing my signature.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I sent an {$120.00} to someone an they never followed through on there end of the deal tried cancelling the payment immediately after sending but it wouldn't let me is there anyway to get my money back or is it a total loss? 
I sent it through PayPal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

On XX/XX/2024 I submitted a balance request to move the balance of my M & T Bank XXXX to my XXXX XXXX XXXX As of XX/XX/2024, my M & T Bank portal is still showing the amount in my account, despite the XXXX saying the transfer was complete and the amount showing up in my XXXX account. Numerous calls to M & T have been placed but the issue persists ; M & T is also charging me fees for past due payments and interest on this amount.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I received an email with loan details and a repayment plan from the company Affirm for the loan amount of {$140.00}. I did not apply for, or inquire about, this loan. I called Affirm to discuss this and upon mentioning that this was fraudulent activity, they hung up on me. I then called and filed an XXXX XXXX XXXX with the Federal Trade Commission. The Federal Trade Commission informed me to file a complaint with the Consumer Finance Bureau to see if Affirm would respond via this process. 
I received an additional email on XX/XX/XXXX indicating that I have a payment for this loan due on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

BECAUSE OF THE CLASS ACTION LAWSUIT AGAINST [ XXXX XXXX XXXX ]. 
XXXX. DEFICIENCY WAIVERS : XXXX IS REQUIRED TO FORGIVE THE REMAINING BALANCE ON CERTAIN CAR LOANS FROM XXXX TO XXXX. ALSO XXXX WERE TO REQUEST THAT THE LOANS BE REMOVED FROM CONSUMER ' CREDIT REPORTS. XXXX VIOLATED CONSUMER PROTECTION LAWS BY EXPOSING SUBPRIME CONSUMERS TO UNNECESSARILY HIGH LEVELS OF RISK. ( PREDATORY LENDING PRACTICES ). THIS REPO SHOULD NOT BE REPORTING TO MY CONSUMER REPORT ACCORDING TO THE UCC.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX, Account name : # XXXX XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

A credit card account ( I am co-signer ) was charged off XX/XX/2014 ( Main person on card claimed BK ) Experian ( only ) continues to report this as open and 120 or 180 days late every month. The other XXXX are reporting accurately. The creditor says I have to take it up with Experian. I have disputed now 4 times with them in the last 3 years. I am exhausted and do not know what else to do. I have wanted to purchase a home two years ago an still can not because of what they are reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Debt collection

Dear Caine & Weiner I am writing to express my concern regarding my inability to effectively dispute the alleged debt with your organization. Despite my repeated attempts to communicate, I have encountered several obstacles that have prevented me from doing so.

As a consumer, I have the right to dispute the validity of a debt and seek clarification and resolution under the Fair Debt Collection Practices Act ( FDCPA ). Therefore, I request that you provide me with the necessary information and documentation to substantiate the alleged debt, and to enable me to engage in an effective and fair dispute resolution process.

If I do not receive a response within XXXX  days, I will be forced to take legal action to have the debt cleared from my credit report. 

I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am unable to link my PNC Virtual Wallet account to my XXXX account.
Product: Checking or savings account

Hello, I have a complaint to file against Capital One Bank.Back in XX/XX/XXXX I was approved for XXXX XXXX XXXX XXXX XXXX ( XXXX  ) in the amount of {$140000.00} to help support my small business.The money was disbursed through my Capital Business Account, for reasons known just to Capital One my bank account was closed.I was told the funds would be sent back to XXXX, I called XXXX to inform them of this and tried providing them with my XXXXXXXX XXXX  account hoping they would send the funds over to Chase immediately they get the refund from capital.I gave up after calling XXXX severally and learning they had not received the funds yet. 
Fast forward to XX/XX/XXXX, I surprisingly received a mail from XXXX stating my payments are due.The terms of this loan were as follows : -It was interest free for 30 months after it was approved -Payments ( interest included ) were to be made 30 months after the loan was approved This explains why I got contacted through mail by XXXX.This was when I understood that Capital One never returned the loan to XXXX.At this point my payments are due, if I dont make these payments it will go against my credit, its sad because I have to make payments for a loan I did NOT RECEIVE. 
I have called XXXX countlessly, they are still saying they did not get any refund whatsoever from Capital One I have been calling Capital One, I was told they are working on the case and they cant provide me a cut off time to when this case will be resolved ( sadly I have to keep making payments to XXXX at capital one takes it swee time ) I finally got hold of a Capital agent yesterday who sent me statements from XX/XX/XXXX which shows the funds were withdrawn, doesnt show the method how it was withdrawn and doesnt show who it went to but this agent claims it was withdrawn and sent to XXXXI will provide supporting documentations. 
At this point I am super stressed and confused because I honestly dont know what happened to these funds, I have to make monthly payments for a loan I never took.If this can be thoroughly looked into I will deeply appreciate
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I previously filed a notice of direct dispute with several collection agencies ( namely XXXX XXXX doing business as " XXXX '' & " XXXX XXXX '' and Cascade Capital ), under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information reported to my credit file in XXXX for entries made to my credit report at XXXX and XXXX for an amount of {$4400.00} with an original creditor of XXXX. Both entries were subsequently deleted as the collection agencies were not able to verify/validate that the debt belonged to me as they found the information to be inaccurate or incomplete, or could not verify the accuracy or completeness of the disputed information. As required under FCRA 623 ( 1 ) ( E ). 

However, I received an alert from my credit monitoring subscription that a collection account was added to my XXXX credit report on XXXX XXXX, XXXX. This entry is from XXXX XXXX XXXX XXXX XXXX, has an account number of # XXXX, is for the amount of {$4400.00} ( identical to the amount for the previously disputed and deleted accounts ), but lists the original creditor as Cascade Capital. Cascade Capital is XXXX of the collection agencies, as I noted above, with whom I have previously filed a direct dispute for this exact account and for which they are not the original creditor. I have never had an account with Cascade Capital. It is my belief that they are re-reporting this inaccurate account in an attempt to fraudulently collect in violation of FDCPA 15 USC 1692e ( 8 ) by communicating credit information which is known or which should be known to be false, and 15 USC 1692f by using unfair or unconscionable means to collect or attempt to collect any debt -- by re-reporting the account with a different original creditor and placement date to result in a greater negative impact to my credit scores.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) 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 resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.