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

We received our XXXX XXXX XXXX statement by mail on XX/XX/2019 and I immediately payed the amount of the bill ( {$95.00} ) via our online banking account with XXXX XXXX XXXX. I called XXXX XXXX and they verified that a check for that amount ( {$95.00} ) was sent by XXXX XXXX to XXXX  XXXX  on XX/XX/2019 with expected arrival no later than XX/XX/2019. The due date on the statement was XX/XX/2019. Please note that the due date was only 10 days from the time I received my statement and that most credit cards give you closer to 21 days. 2-3 days ago we received another statement from XXXX XXXX XXXX showing a late fee of {$27.00} and a finance charge of {$2.00} because our payment was not received until XX/XX/2019, 17 days after XXXX XXXX had mailed the check. When I spoke to the XXXX XXXX " customer service '' representative, I was told that they had no control over mail delivery and that we must pay the fee and interest charge. We had a similar scenario with a different retailer, but same bank, about one month ago. After much time and effort they grudgingly waived the late fee.After going online, I found that there were multiple similar complaints against XXXX  XXXX and their tactics. I think they are running a customer scam to collect late fees. Please help! Thanks. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I found an XXXX XXXX on my credit report. I had requested it be deleted several times as it was not mine, I even offered and started to pay to get it deleted but still they are not removing it from my credit report. This is fraud!
Product: Credit reporting or other personal consumer reports

Transunion site does not work and what I attached is one of many I have which will be presented in arbitration or litigation. I can not access your credit report, file a dispute, or access my information for over a year. Since XXXX. I have emailed, called. I was told I am committing fraud and asked to send my social Security number, my Driver Lisc and my mortgage statement.

I have tried to go through annual credit report and because I complained I am being weaponized. The last report I gave in my possession is from XX/XX/year>. Report XXXX. I have emailed higher ups and ignored and being told I committing fraud by trying to access my own report. I have reported to the FTC. The evidence speaks for itself. I have extensive proof. My attorney also mailed a demand letter to Transunion and ignored. How is it possible that for over a year I can not obtain my own credit report. I have had the same information in my credit report. To falsely accuse me of fraud and weaponize because I told the truth. I have every digital footprint when I tried to log in.
Product: Mortgage

I submitted my monthly mortgage payment to Primary Residential mortgage company via their PO Box address they provided. Payment was sent within the allowed time in XX/XX/XXXX to satisfy the XXXX 2015 mortgage payment. I contacted them on XXXX XXXX 2015 and asked if all was ok with my payment as they had not yet deposited it. They indicated they did not receive my payment and to send it again. I resent the payment with USPS XXXX and got XXXX confirmation. I called them and they acknowledged receipt of the check and indicated all was fine and not to worry. After a few more days, I realized the check still had not been deposited. They told me since the beginning it is not when they receive the check but when they actually deposit it that it then counts towards payment. This seemed ridiculous and a bit scary to me as what if they decide to deposit it after several days, even though they received it within the time frame ( before XX/XX/XXXX )? So, upon calling them again they said they could n't locate my check at the moment but would call me back as soon as they did. They offer no other payment options online, just by phone, but that comes with a hefty convenience fee. They finally located my check and I asked for a signed letter that I would not be reported to the credit bureaus as late and also not assessed a late payment penalty. They sent me a signed official company letter and an email about this assuring me this wouldnt happen. On XXXX XXXX they finally deposited the check after holding it all this time and receiving it XXXX XXXX. I was assessed a {$100.00} late fee as they indicated my payment was late and also reported me as being late to the credit agencies. I now can not obtain credit or make purchases with this. Ive contacted them by email several times and called and they keep promising me they will get back to me but never do.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly indecigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
Collection agency : XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Hello, I have tried calling Capital One repeatedly requesting to be removed as an authorized user on someone else 's account. I haven't seen or spoke to this person in 2 years and was never consulted by Captial One in the first place. I am a XXXX XXXX XXXX veteran and have been XXXX for over a year because my credit was affected badly by this account. When I call they refuse to remove me although the Capital One Cardholder Agreements say this on page 2 : " Authorized Users may remove themselves from your Account upon request. '' This is absolutely ridiculous and after getting legal advice this is my last option before filing a lawsuit. Thank you for your time
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I looked at my report. I sent a letter to TransUnion on XX/XX/year> asking them to reinvestigate these accounts : XXXX XXXX XXXX, and this is my tracking number : XXXX On XX/XX/year> they sent me their investigation and said these accounts were complete and accurate. 
I looked at my report and noticed everything was the same, then on XX/XX/year> I sent another letter with tracking number XXXX, requesting a description of the methods they used to verify the account, which they did not respond to,, and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 ( il ) 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 1681eb they are supposed to ensure this b ) Accuracy of report 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.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Trans Union really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Product: Checking or savings account

I initiated a fraud claim against my debit card which I won 95 % of only one was I declined yet the bank withdrew my ability to access my funds for some 60 days now and it's still not dispersed my money and has told me that basically they can hold it as long as they feel like it until they're ready
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm being billed for charges on a XXXX card that had been locked and inactive at the time of charges when I called XXXX the people on the phone could barely speak English.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Number : XXXX XXXX XXXX XXXX : Account # XXXX : Balance : {$31000.00} Account Number : XXXX  XXXX : Account # XXXX : Balance : {$3200.00} Account Number : XXXX  XXXX : Account # XXXX : Balance : {$1100.00} Account Number : XXXX XXXX  : Account # XXXX : Balance : {$31000.00} Account Number : XXXX XXXX  : Account XXXX XXXX : Balance : {$31000.00} Account Number : XXXX  : Account # XXXX : Balance : {$800.00} Account Number : XXXXXXXX XXXX  XXXX : Account # XXXX : XXXX XXXX {$23.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXXXX/XX/year> 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 have continuously been submitting letters to both creditors and all 3 bureaus over 5 times in a matter of over 120 days and nothing has been resolved. XXXX & XXXX XXXX have gone against my consumer rights and I demand every item on my report from both agencies be deleted before I file a law suit.
Product: Debt collection

I am being harass by IQ Data. XXXX XXXX calls and calls and calls. Even after I tell him I will make a payment on a select date. When he calls he keep telling me I have to pay now and told me on a lot of occasions that I need to take out a loan ( which he try to get me company 's for ) so I can pay IQ. He also told me he was going to call other people to let them know I am not paying my bills on time. Even after I paid a payment, he still said that was enough and I needed to pay the full amount now.
Product: Checking or savings account

Citi Locked my account XX/XX/XXXX for claiming I mailed them a fraudulent check and would not allow me to close my account or receive my money. I spoke to over 10 representatives between phone calls, in person ( XXXX XXXX Branch ), and in chat - none of who knew the issue or could/would help. Though nobody knew anything, I was regularly given the date " XXXX '' to call back and my account could be closed. I called back XXXX, and was told to call back XXXX. I called back XXXX, and was told I had to go to a branch. I went to a branch, and the Representative - XXXX - said that was very odd and assisted in re-verifying my info and would follow up that afternoon. He did not, and I filed a complaint with the CFPB. It wasn't until several days later he insisted on calling instead of email to tell me my account was being closed that day and I'd have a check next week. 

In this time, I received an official letter from Citi in response to my CFPB claim stating if no action was taken, my account would be automatically reviewed and closed on XX/XX/XXXX. 

My account was never closed, and that check never came. 

Before I left the country, I called Citi one more time and also emailed XXXX to help close my account while I was travelling, hoping I would have my own money back. I returned, and none of this had happened, and nobody would assist me in doing it. It is now XXXX, and Citi has constantly lied to me on my closing dates and is holding my money hostage - completely unwilling to do anything to make it right. I have never even heard of worse customer service in my life, and nor has anyone I told.

I'm now forced to carry large balances on my credit cards because nearly all the money I tried to open my checking account with was used for my living expenses such as rent, food, and electricity. This has caused me an immense amount of stress and costs since I have no cash to pay my bills. Citi has lied to me on numerous occasions - one in writing - that they would refund my money, and their reps constantly pass me around their call center or don't understand the issue.
Product: Debt collection

JeffersonCapitalSystemshas been reporting an erroneous account to my credit file for a while now. They are falsely accusing me of owing them {$1700.00}. I have never had any account with JeffersonCapitalSystems. Also, I have no relationship with them.They cant provide me with any agreement that I may have signed with JeffersonCapitalSystems simply because it does not exist.. This is clearly a fraudulent act on the part of JeffersonCapitalSystems. Because of their ruthless and illegal practices my credit score, as well as my life, has been impacted negatively. Please resolve this immediately. Cease and desist. Remove
Product: Debt collection

On XX/XX/2020, sometime before XXXX XXXX, XXXX XXXX called not only my employer, but the office of the Director at my place of employment for the city of   XXXX on behalf of Reliant Capital Solutions. She did not call with questions attempting to identify my location. This company is not the original debt owner. She identified her employer without being asked. My place of employment does not allow personal calls at work. It prohibits personal calls on work time. I was notified via an official email from my Director 's personal assistant. I do not wish the stress caused by this blatant invasion on privacy and violation of the FDCPA amongst other violations. If I lose my job, I will surely sue for lost wages.This account is not even reported on my credit report. I have not ever received any written documentation from this company prior to the escalation of calling the Top office for the company I work for. This is blatant harrassment! An official cease and desist letter has been sent.
Product: Debt collection

I found a collection notice on my credit bureau from a company I never heard of, never received any communication via phone, mail or email. Additionally, I do not even have an account with the company they claim the collection is related to. I was able to dispute this on XXXX and they removed it, however XXXX and XXXX would not remove them despite my dispute and no proof of debt being provided. This information has impacted both my personal and business credit causing me to lose a business line of credit over a fraudulant debt collection that I do not owe or ever related to. My information has been victim to multiple data breaches and I believe that this may be related or they are using it to fraudulantly collect under false pretense. The company information is : AMSHER COLLECTION XXXX Address XXXX, AL XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$140.00} Balance updated-
Product: Checking or savings account

I bank with PNC I had disputed two charges made to XXXX on XX/XX/year> for XXXX and XXXX XXXX they said the response was in the mail 15 days ago and I filed the dispute on XXXX said it would take up to ten days. To date nothing but rudeness and ignorance. I was going to open a policy with XXXX but found the premium was outrageous so I canceled within the 30-day grace period as the agent told me but continued to withdraw the downpayment and the first month 's payments of XXXX and XXXX made my checking account go crazy and just recently they charged me XXXX for an expedited Debit card without getting the permission from me then when confronted they called me a liar embarrassed me and I will be changing banks as soon as these issues are resolved. I think a lot of their practices with customer service should be investigated Thank you for your time in this matter XXXX XXXX
Product: Credit card

on XXXX i called discover to see about lowering the interest rate on my account and was told it could n't be done but financial aid may be able to help. i spoke to XXXX XXXX XXXX XXXX who said i could be put on a program that would reduce my interest rate to 9.9 % o both purchases and cash advances for a period of 6 months. i noticed that each month the cash advance amount would increase. when asked why i was told all money after interest was applied to the lower purchases balance and the only way to decrease cash advance amt. was to get that balance below the purchase amt. XXXX checked with her supervisor and told me if i made a {$150.00} payment, that would bring the cash advance balance below the purchase balance and then any additional money after interest would be applied to the cash advance balance and to call back in a couple days to be put on the 9.9 % program.. i made a {$160.00} payment on XXXX/XXXX/16 after my regular monthly payment was made. i was told by XXXX that it would all be applied to the cash advance balance. before the payment was made the purchases balance was {$3100.00} and cash advances balance was {$3300.00}. when i called back on XXXX i spoke to cooper. after the XXXX payment the purchases balance was XXXX and the cash advances balance was XXXX when i explained to XXXX what XXXX had done, he said he spoke to her and his supervisor and that XXXX was mistaken and the balances were correct and there was nothing i could do about it i feel that i have been lied to. i understand the conversation was recorded and that discover has a record of what XXXX told me..
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACOUNT SHOWED UNDER MY XXXX AND XXXX CREDIT REPORTS. I HAD AND STILL HAVE MEDICAL INSURANCE. I NEVER RECEIVED A BILL AND IT WAS SENT TO COLLECTIONS. NEEDS TO BE REMOVED. THIS IS NOT MY DEBT. I TRIED CALLING THE COMPANY AND NO ANSWER.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I was a victim of TransUnions inquiry issue. I have misreported inquiries on my Credit report That mysteriously showed up. I did not authorize these inquiries. I called Transunion and spoke with them about it and no resolution was made. Customer service would not help and take care of the negative inquiries reporting to my credit report. 

Here are A list of the inquiries ; -XXXX   XXXX , NC XXXX ( XXXX ) XXXX TYPE Finance/Personal ESTIMATED REMOVAL DATE XX/XX/XXXX -XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX ( XXXX ) XXXX TYPE Bank ESTIMATED REMOVAL DATE XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX ( XXXX ) XXXX TYPE Finance/Personal ESTIMATED REMOVAL DATE XX/XX/XXXX -XXXX XXXX XXXX   XXXX XXXX, TX XXXX ( XXXX ) XXXX TYPE Finance/Personal ESTIMATED REMOVAL DATE XX/XX/XXXX -XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX TYPE Credit Union ESTIMATED REMOVAL DATE XX/XX/XXXX -XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX TYPE Miscellaneous ESTIMATED REMOVAL DATE XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX TYPE Finance/Personal ESTIMATED REMOVAL DATE XX/XX/XXXX -XXXX XXXX, NC XXXX ( XXXX ) XXXX TYPE Finance/Personal ESTIMATED REMOVAL DATE XX/XX/XXXX -XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX TYPE Credit Union ESTIMATED REMOVAL DATE XX/XX/XXXX XXXX XXXX, XXXX XXXX, MN XXXX ( XXXX ) XXXX TYPE Travel/Entertainment ESTIMATED REMOVAL DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX TYPE Finance/Personal ESTIMATED REMOVAL DATE XX/XX/XXXX -XXXX XXXX, GA XXXX ( XXXX ) XXXX TYPE Credit Union ESTIMATED REMOVAL DATE XX/XX/XXXX -XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX ( XXXX ) XXXX TYPE Miscellaneous ESTIMATED REMOVAL DATE XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX TYPE Miscellaneous ESTIMATED REMOVAL DATE XX/XX/XXXX -XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX TYPE Miscellaneous ESTIMATED REMOVAL DATE XX/XX/XXXX -XXXX XXXX/ XXXX XXXX, CA XXXX ( XXXX ) XXXX TYPE Finance/Personal ESTIMATED REMOVAL DATE XX/XX/XXXX -XXXX XXXX, WA XXXX ( XXXX ) XXXX TYPE Utilities and Fuel ESTIMATED REMOVAL DATE XX/XX/XXXX -XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX TYPE Finance/Personal ESTIMATED REMOVAL DATE XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX TYPE Travel/Entertainment ESTIMATED REMOVAL DATE XX/XX/XXXX -XXXX XXXX, WA XXXX ( XXXX ) XXXX TYPE Utilities and Fuel ESTIMATED REMOVAL DATE XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX TYPE Bank ESTIMATED REMOVAL DATE XX/XX/XXXX -XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX TYPE Utilities and Fuel ESTIMATED REMOVAL DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX TYPE Bank ESTIMATED REMOVAL DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX TYPE Automotive ESTIMATED REMOVAL DATE XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX ( XXXX ) XXXX TYPE Bank ESTIMATED REMOVAL DATE XX/XX/XXXX -XXXX XXXX XXXX XXXX , DE XXXX ( XXXX ) XXXX TYPE Bank ESTIMATED REMOVAL DATE XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was created fraudulent. And this is not my name nor does this account belongs to me
Product: Mortgage

Back in XXXX of XXXX my adjustble rate mortgage was adjusting up by {$19.00}. I never received the notice for XXXX sent wrong to address because of unit number. When I noticed the increase in on the XXXX XX/XX/XXXX the representative who helped me was able to take an extra unapplied pay i made in XX/XX/XXXX and applied it to the underaged mortgage payment, thus making it current. I even made 2 payments extra in XX/XX/XXXX so this would never happen again. Thus, always having my payments with more money in advance. Chase had reported late payment in XX/XX/XXXX but then fixed the mistake and fixed my credit. 1 year later, in XXXX, Chase now has started to report again and report the late payment after it was taken care of. Now, reporting late again on my credit. They are going back on their word when they admitted they had already fixed and applied payment and error reporting late to credit 1 year ago. My credit is being affected by 40 points.
Product: Money transfer, virtual currency, or money service

Writing my concerns on how disputes are or have been resolved do to the recent CFPB lawsuit with serious issues concerning the platform. Zelle has been found to neglect my issues in the past along with many other consumers and have allowed repeated offenders to continue using the service despite the many attempts that myself and other users tried getting things resolved. I was told reversing any transactions would not be possible. It was later found that Zelle has neglected to take care of its consumers. Which has been very unacceptable.