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

Due to COVID I had a check come in late. My bill is due on XX/XX/XXXXI saw that Citibank had started processing my payment on the XX/XX/XXXX. It came back NSF on XX/XX/XXXX. I moved funds into the XXXX account that they withdraw funds from. I called Citibank and manually paid the bill on the XX/XX/XXXX. I spoke to a Citibank representative at that time and explained that I had manually paid and that I had had some delays due to COVID. He said it was fine, that I wouldnt be charged late fees because I had called. 

Subsequently, they have tried to collect the same bill 3 times. Each time I call and each time they say they can do nothing about this. So far I have had to pay XXXX $ in NSF fees because after 2 weeks they are still trying to collect the same bill which has been clearly posted as paid. In the mean time, they are charging me late interest on the same bill claiming the fees are standard on an unpaid bill. They are now not taking my calls. 

The 3rd time I called them they said it had been taken care of. I asked them to remove my autopay feature, and send paper bills. I informed them that XXXX would be refusing any further autopay from them. The next day they did it again. They are crippling me financially. 

The managers say there is nothing they can do. Every other bank I have recognizes that if I make a manual payment that my minimum due has been paid. But Citibank practices predatory lending practices and is currently collecting late interest and continues to ruin my good payment history with XXXX. I am reaching out to you because I have no other idea how to resolve this. Attached are my bank statements that clearly show that the minimum due was paid and that they have continued trying to collect 3 times after it was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Transunion have violated my consumer reports. 
They are reporting information such as student loans, closed accounts, and inquiries. 
The inquiries with XXXX are fraudulent. I have filed an FTC report and they have yet to handle the situation in a timely manner. 
" According to the Family Education Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). 
Any and all consent to XXXX, XXXX, and Transunion ( Furnisher of information to credit agencies ) whether it be verbal, non verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party- unless the consumer is given an explanation of how the consumer can exercise that non disclosure option.

Every company have to give a privacy notice before furnishing information to my consumer report. This was not given. Part 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ) 12 CFR 1016.1 Purpose and Scope ( 1 ) " Requires a financial institution to provide notice to customers about its privacy policies and practices. '' ( 3 ) " Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated thirsd parties by " opting out '' of that disclosure. '' XXXX, XXXX, and Transunion are not maintaining reasonable procedures. 

ACTS VIOLATED, 15 USC 1681 15 USC 6802 Family Education Rights and Privacy Act ( FERPA ) 15 USC 1681b 15 USC 1681e Privacy Act of 1974 ( % U.S. Code 552a ) Regulation P Part 12 CFR Part 1016
Product: Credit reporting or other personal consumer reports

I have tried telling them that I have never heard of XXXX items on my report but they refuse to provide proof or remove the items
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts is unaware of
Product: Credit reporting, credit repair services, or other personal consumer reports

So I am seeing that EXPERIAN, XXXX, AND XXXX IS REPORTING LATE PAYMENTS ON MY CREDIT REPORT. AS A CONSUMER I KNOW I HAVE NOT GIVEN THEM ANY PERMISSION TO REPORT THESE SUCH ALLEGED LATE PAYMENTS. I AM STRESSED THE HECK OUT BY ALL THIS NONSENSE AND THIS HAS CAUSED HARDSHIP TO ME AND XXXX FAMILY BC OF ALL THIS ALLEGED LATE PAYMENTS ... STOP THIS AT ONCE AND THIS NEEDS TO STOP THEY ARE IN VIOLATION OF THE FEDERAL LAW. I HAVE WRIITEN THEM NUMBEROUS TIMES AND STILL THE LATE PAYMENTS ARE ON MY ACCOUNT. I AM DEMANDING ALL LATE PAYMENTS OFF MY REPORT IMMEDIATELY. ACCORDING TO 15 U.S.Code 1666 ( b ) it states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes. Also 15 U.S.Code 1681 Sectiom 604 ( A ) Section 2 states a consumer reporting agency can not furnish account without my instructions. 15 U.S.Code 1681 Section 602 states I HAVE THE RIGHT TO PRIVACY.. THESE CREDIT AGENCIES ARE IN VIOLTAION OF THE FEDERAL LAW. AS THE COSUMER I DEMAND ALL THE ALLEGED LATE PAYMENTS REMOVED IMMEDIATELY. ... THIS IS A FEDERAL VIOLATION ... REMOVE ALL THE LATE PAYMENTS ON ALL MY CREDIT REPORTS.ALSO DO NOT EVER REPORT ANY ALLEGED LATE PAYMENTS IN THE FUTURE ON ANY OF MY CREDIT REPORTS...
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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

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

Im restricted from using or closing my account. I have provided identify verification documents. My account has been in review for weeks and months. They wouldn't do anything. They wouldn't close my account or remove restrictions on my account. They violate many rules in their US operation. They say they are bound by XXXX  rules, and they don't care about US laws
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Radius Global have committed several federal violations against me, a Private law abiding Federally Protected Consumer.The attachment show they created me a false account number, false open date, and false amount owed and I have never had a contract with this company and they are hurting my credit with this false information. I revoke all power of attorney to Radius Global. Radius Global does not have a certificate of Authority to do business in Alabama. Radius Global have not sent me a dunning letter but they have put a fraudulent account on my credit report.Radius Global do not have the authority to collect any money from me.Radius Global is guilty of racketeering, forgery, and obstruction of justice.Radius Global is in violation of the FDCPA and FCRA Violation of 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to Radius Global, Violation of 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to Radius Global. Violation 15 USC 1692e ( 2 ) ( A ) False representation of the character and amount of the alleged debt, Violation of 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.And a violation for collecting on behalf of another company XXXX of fdcpa.Acccording to the FDCPA XXXX I am owed money for all violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had my XXXX XXXX XXXX  with XXXX for 7 years and not used it in the last few years why I canceled my credit card in order to save USD XXXX annual fee. XXXX then persuaded me to keep the card because of the benefits XXXX XXXX would offer. Upon reactivation, my auto payment feature has been somehow XXXX, resulting in my USD XXXX annual fee not being paid. Since my monthly statement did not reach me either despite paperless statement ( got also XXXX ), this amount was overdue. At no time did I know that this amount was overdue. This resulted in a significant drop in my credits score. I have reported this to XXXX and also to Transunion which then reached out to XXXX. Despite all this information, my credit score has not been adjusted accordingly yet. For a XXXX who is struggling to build a credit score, this is hard to accept. I disputed on the Transunion website again, send this complaint here and won't give up before I am not treated the right way here. Thank you.
Product: Debt collection

I am a victim of fraud. XXXX allowed some one who used my identity to open utilities in my name. I found out about the account once my credit score plummeted. I called XXXX and turned in proper documentation. A police report, paycheck stubs. The issue was resolved and my credit score was restored. XXXX XXXX XXXX continues to ding my credit even after XXXX has investigated and restored my credit. This company continues to come after for a debt that wasnt created by me. They continue to harass me by dinging my credit score. This is nightmare!! This debt was created in XXXX, Texas. This collection agency represents XXXX XXXX and I have never even heard of this company. Its ironic how these collection agency can find the victim. Its not rocket science. Go after the address that is affiliated with the name. My good name is being dragged!! Stop dinging my credit every month!!!!
Product: Credit reporting or other personal consumer reports

There are several names listed on my credit report and they are not correct. I need them to be removed from my credit report, also there are addresses that are not correct listed on my credit report and i am requesting them to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I purchased tickets to an event scheduled for XX/XX/XXXX in XXXX. The event was rescheduled for XX/XX/XXXX. I was not in XXXX at that time. I was unable to cancel my order, but I was also unable to resell my tickets, despite that being outlined as an option on the vendor 's website. They did not work with me despite my attempts to cancel/ resell the tickets. I have called them and chatted with them through their website. After explaining this to Citi Bank, they response was as follows : " Since the merchant has not agreed to accept your cancellation request, we are unable to assist you in obtaining credit for this dispute. If you wish to continue this dispute, please contact the merchant directly. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent account on my credit report that I did not file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information for this account is incomplete and INACCURATE across XXXX  and TransUnion. 

Reported up to XXXX on XXXX  with a STATUS DATE XX/XX/XXXX with payment history ; STATUS : " Account transferred to another office '' XXXX XXXX # XXXX Reported the TransUnion with STATUS DATE XX/XX/XXXX with NO payment history ; STATUS : " Charged off as bad debt '' XXXX XXXX # XXXX Please remove, per the Fair Credit Act 611
Product: Debt collection

In reviewing my credit reports on XX/XX/2016 I saw that AWA Collections had submitted a claim as collections to my reports. I had never heard of this company nor who they list for representation on the report XXXX. I have never received notice via mail of any debt or bill from AWA Collections or their client XXXX. I called XX/XX/2016 AWA and was told this was actually a debt through XXXX for early disconnection. I called XXXX XX/XX/2016 and was told I never owed them anything as they never honored my original contract of stopping service with my other phone company, I never used their XXXX phone and therefore nothing was ever owed. I then called XXXX XXXX who also stated that there was nothing owed nor had there ever been anything owed even early disconnection charges. Both XXXX and XXXX are mailing me verification of non-debt and neither claims knowledge of the this collections company. At this point I created a cease and desist letter which I faxed to AWA Collections XX/XX/2016 and immediately followed up and called AWA back and informed them of this cease and desist letter, that I would be forwarding this paperwork as soon as I got it and that this was a fraudulent claim on their part and needed to be removed from my credit reports. They insisted that they have bills but would not send me anything. On XX/XX/2016 after having received the cease and desist letter the day before AWA Collections again called me to try to collect on this fraudulent claim. I again explained that not only was this fraud but that as soon as I got the mailed proof I would fax it to them at the same number that I faxed the cease and desist letter to and they said yes. 

Bottom line this is a fraudulent claim on their end, they continue to misrepresent who they represent in this fraudulent claim and they have acknowledged receipt of the cease and desist letter and continued to call.
Product: Checking or savings account

On XX/XX/XXXX my mortgage company went into take money out for my payment it was {$160.00} short my paycheck hit the next day they took the money from my paycheck and put it with the mortgage payment and then turned around 24 hours later and took it back from my mortgage company and put it back in my account with no explanation but showed me that they had paid and it had processed
Product: Credit reporting or other personal consumer reports

XXXX has been illegally reporting on my Consumer Reports 15 U.S Code 1681 ( b ) - Permissible purposes of Consumer Reports States that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : XXXX. In accordance with the written instructions of the consumer to whom it relates I did not give verbal or written permission for my information to be shared with Credit Reporting Agencies XXXX XXXX, XXXX or Trans Union ). This is a clear violation of my rights under 15 U.S. Code 1681 ( b )
Product: Credit reporting or other personal consumer reports

I was advised by a XXXX and Equifax rep to fill out this report because of unauthorized inquiries in my report, please remove all these fraudulent unauthorized inquiries in my report. These are the fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I took a look at my credit report a few months ago and seen 3 accounts that i didn't recognize. After doing some investigation, i found out that those accounts where open fraudulently. I cantacted the bureaus and did exactly what they told me. i contacted the police department and filed a police report with the XXXX XXXX police department. I sent this to the bureaus but the accounts didnt come off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$430.00} XXXX XXXX  XXXX XX/XX/XXXX {$430.00}
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I called up the collection attorney that has my file asked them to let me set up a payment plan. they told me I have to send over my pay stub that they will take 20 % of my wages I told them I am a single mother of XXXX I can not afford to do that I can pay them XXXX on XX/XX/XXXX and XX/XX/XXXX. they said that is not acceptable they just will get a judgment against me and see how I like it when they garn my paycheck. I really do n't believe this is fair the debt turn form owing XXXX to XXXX. I was told that they do not care how many kids I have of who I have to pay in bills. they just need there money. I told them im willing to pay how come they can not work with me on my terms. XXXX said because we do n't have to we do not care about your terms only to get out money.
Product: Credit card or prepaid card

on XX/XX/2020 XXXX XXXX accidantly sent a duplicate balance transfer to bank of amercia for XXXX to visa ending in XXXX -- this resulted in a credit of the same amount on this account -- i have called boa several times trying to get a refund of the above said amount i called on XX/XX/XXXX and was told since there is a credit on my account the money should be reversed back to XXXX by XX/XX/XXXX-didnt happen called on XX/XX/XXXX to find out what is going on the told me that the money would be in my checking account in 1 to 2 business days -- didnt happen ( gave them my bank routing number and acct number ( XXXX XXXX ) called XX/XX/XXXX and asked status and they said the agent i talked to should have read me a disclouser that said it would take 3 to 5 business days called XX/XX/XXXX and asked status -- they said something about having to wait till XX/XX/XXXX because of the large amount to be refunded??? 
xmas ruined pls get my XXXX back to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is an ongoing situation that is far more then my bank. Its my son my brother his wife. They all have fraudulently destroyed my youngest son SSI and my payments. They have comprised my cable and hacked our devices. They have planted things in my unit destroyed both vehicles twice. My mom left me beneficiary after her death. They have destroyed my mail and hers. They are impersonating me with social security, XXXX and XXXX. I have made a report with Federal Trade Commission. They gave me a reference number. Tried making police reports but phone keeps disconnecting do to monitoring. I my keys and wallet has come up missing in the past. Online shopping in my name unauthorized. PLEASE, whom ever gets this, PLEASE HELP ME. My life and my youngest sons life is in danger. I have contacted prosecutor XXXX XXXX office for help and was told to seek a probate attorney ASAP because she felt I was in danger as well. I tried contacting XXXX  to block my credit report, no luck. I have no one to go to for help. I desperately need help with this. I have done nothing, this is all about my mom and our closeness that her and I shared. My email accounts are hacked. All of my phones ( 7 ) has been compromised. This is the eighth phone in 1 1/2 years. Please someone help me. I am constantly getting scam calls EVERYDAY .... please help me.
Product: Debt collection

In XXXX 2014 I entered into a settlement agreement with Vital Recovery. The terms included making XXXX of the past due balance and the account will be settled. Terms also included removing past negative marks and tradelines on my credit report. XXXX XXXX has completely removed the prior payment history on XXXX however they have not honored the agreement to remove the tradeline from XXXX, XXXX and XXXX. It 's been a year and I would like the credit reports updated immediately per the settlement.
Product: Credit reporting or other personal consumer reports

Equifax, is illegally reporting my credit information to XXXX XXXX XXXX XXXX XXXX On a monthly basis without my knowledge? 
XXXX XXXX didn't pull my credit report because there is a freeze on it? 
In return even though I have never missed a payment and at this time I had over half of available credit on this card. 
Based on this information that they Illegally obtained from Equifax they reduced my credit limit? 
Equifax is selling my information and want to sue them.
Product: Checking or savings account

Tried making a deposit at navy federal atm and it stole XXXX from me on XX/XX/year>. Today is the XXXX of XXXX still havent heard anything from bank and they will not give my a provisional credit. I have reached out explaining I dont have any money to pay my bills because of this situation has left me in an unfortunate situation. Which is so unfair to my as a customer!
Product: Mortgage

Loan company is unable and unwilling to provide me monthly statements. They claim that since they provided me a " coupon book '' when I got my mortgage, that they are not obliged to provide me monthly statements. They offered to mail or fax me a statement, but that they will not do this routinely nor will they make statements available on their website for me.