23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have been charged XXXX as return check charge in the XXXX statement. I request this charge be waived since the balance due of {$99.00} on the XXXX statement had already been paid in full on time and there was no outstanding balance. 
My bank had sent a check for {$99.00} on XX/XX/23. When I followed up with Cominity Bank customer service, I was advised that the check has not been received and presumed lost or stolen. On customer service suggestion, I agreed they debit my checking account for full payment of {$99.00}. This was done by them on XX/XX/23. 
I am therefore surprised that now customer service is saying they did receive my banks check and tried to cash it. I had of course put a stop payment to prevent loss or fraud. 
I fail to understand why Cominity bank would try to cash the lost check when you had already debited my checking account and there was no balance due.

I also fail to understand why customer service would not advise me before trying to cash the lost check that it had been found by Cominity bank.

Finally I question why customer service did not advise me when I called them to debit my checking account that if the lost check is subsequently found what action Cominity bank would take.

Why am I being penalized for following up on my banks check, making debit payment to Cominity bank on time and why customer service did not advise me in advance of Cominity bank policy if lost check is subsequently found? 
Kindly reverse the return check charge and confirm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong addresses that do not belong to me. 
There are late payments and other accounts that are reported late that are not true. 
I see an accounts that does not belong to me.
Product: Credit card

Chase bank closed XXXX credit cards I had with them. XXXX ending and XXXX. I never had a late payment. Never missed a payment. My credit score is in the XXXX. I did open some disputes of items because they were never shipped to me. When I opened the disputes I provided tracking numbers and all. I even had a video of a package stolen because delivery companies throw the packages and don't even notify you. So they say that I abused my XXXX card and closed all my credit cards. Very unfair treatment which now affects my credit score that I never had an issue with because I pay timely & and monitored my credit.
Product: Credit reporting or other personal consumer reports

For ACIMA - I had received a loan from them once that got paid. However, a 2nd loan shows, and it is not mine. 

For XXXX XXXX XXXX I have no record of this bill ; it should not be in my credit report.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 - {$2000.00} XX/XX/2021 - {$1500.00} I have contacted Chase Bank and they said they were unable to help in this matter due to it being a XXXX payment. I have called multiple times on this matter. They finally said I needed to contact XXXX to which XXXX states it only handles transactions made in their app, not through a banking app such as Chase.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in ( MONTHS REPORTING LATE ) 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.

( CREDITOR NAME ) 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: Credit reporting or other personal consumer reports

Experian refuses to correct my information. I have a XXXX credit card that they have listed as other account with no status information. I have put in a dispute twice and messaged them twice regarding this account, to no avail. I notified the bank that holds the card and have received a letter from them informing me that they last updated my accounts on XX/XX/2023. The other XXXX reporting agencies have this account in my credit report correctly. Without this information in my report, my XXXX XXXX can be affected incorrectly.
Product: Checking or savings account

I have requested numerous times for all transactions, withdrawals and deposits, to be frozen and not allowed in my account while this issue is being handled. Fulton Bank does not do this. I want all debits and credits disallowed on my account at this time. This is not a duplicate. This is separate issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/2020 we have been trying to work with Transunion and XXXX on trying to resolve my credit score because we are trying to refinance our home and we needed to pay off a credit card and so we did. XXXX sent a letter saying that the balance was paid off but Transunion is saying that they have not received it after 3 times. XXXX and XXXX at Transunion are both very rude and was not helpful at all. They was saying that they cant help us and that there is nothing they can do. I need this to be resolved as soon as possible.
Product: Debt collection

XXXX,2016 XXXX XXXX XXXX placed a collection on my credit report for {$2800.00} AND I DONT KNOW WHAT FOR.
Product: Money transfer, virtual currency, or money service

On Tuesday XXXX XXXX Wells Fargo called me to say that someone had just tried to transfer {$2500.00} with XXXX from my online account. I had not done this transaction. I went to my local bank, but they were not able to help me get my money back. I filed the complaint with Wells Fargo. They said I had to wait 10 days to see if I would get my money back. I have bills to pay, like my house and utilities. I want my {$2500.00} back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the with the fair credit reporting act XXXX  The XXXX XXXX- the original creditor : XXXX XXXX XXXX - account number XXXX, XXXX XXXX XXXX -the original creditor : XXXX XXXX- account number XXXX, XXXX-account number XXXX, XXXX- account number XXXX, XXXX- account number 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts ( 1 ) XXXX XXXX XXXX {$4.00}, ( 2 )  XXXX XXXX XXXX {$3.00}, ( 3 ) XXXX XXXX XXXX {$640.00}, all are reporting fraudulently on my credit report. I have absolutely no knowledge of these accounts nor have I authorized the use of my information to obtain these accounts. I have previously on numerous occasions disputed them but the 3 major credit bureaus response was account verified. Now I'm demanding the Method Of Verification inwhich was used to equate the accounts to me. What department investigated it, what was the employee name, and title, and what certified documentation was used to affiliate the accounts. Please provide me all relevant information or as stated within the FCRA laws, these accounts shall be blocked/ removed immediately from my credit report.
Product: Credit reporting or other personal consumer reports

Over the past several months I have been going back and forth with XXXX in regards to inaccurate information on my credit report. Throughout this time I have suffered sleepless nights, XXXX XXXX XXXX because of this situation. XXXX has been reporting inaccurate, invalidated and unverifiable items on my credit report. I have requested a reinvestigation in regards to these items but here we are 6 months later and the information still is inaccurate. At this time, I am again asking the CFPB to help me get this inaccurate information removed from my credit report. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681 e ( B ) and 15 U.S Code 1681 these accounts are in violation of not reporting 100 % accurate. Listed below are two egregious examples that I have noted on my credit report. There are several other incorrect accounts but these two are the most notable ones. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) This should be against my HIPPA rights! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is not possible to open a account on two different days. This account is inaccurate and has been inaccurate since I discovered it back in XXXX XXXX XXXX XXXX CONTINUE to report this inaccurate account. It should be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Once again this disputed account is inaccurate. But XXXX and XXXX CONTINUE to violate my rights and report it inaccurately. The credit reporting agencies stated that these accounts were properly investigated and came back verified. However, how is this true when there are several inaccuracies showing on my report. 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( & ) Method of verification- Description of reinvestigation procedure.
Product: Mortgage

On XX/XX/XXXX, I submitted my home mortgage refinancing application to CITI Mortgage and on XX/XX/XXXX, XXXX XXXX, CITI Mortgage Representative collected a deposit of {$700.00} from me ( please see attached ) for property appraisal fee ( {$500.00} ) and other charges ( {$200.00} ). On XX/XX/XXXX, XXXX XXXX sent me an email ( please see attached ) informing that he requested and waived my appraisal fee ( {$500.00} ). Per XXXX instructions, I started submitting all the required documents for loan processing and eventually my refinancing loan was approved. 
However, months went by and despite repeated requests/enquiries, there was no sign of a closing date. Finally, in XX/XX/XXXX, exactly one year after the submission of my refinancing application, CITI Mortgage sent me a draft closing disclosure for my review. Upon reviewing the closing disclosure, I found some errors such as escrow account issue. CITI mortgage was trying to collect more money for escrow payment than it was required. Per RESPA requirement, lenders can not collect more than XXXX of the total annual payment as a cushion. Section 10 of the Real Estate Settlement Procedures Act ( RESPA ) provides protections for borrowers with escrow accounts. Specifically, it limits the amount of money that a lender may require the borrower to hold in an escrow account for paying taxes, hazard insurance and other charges related to the property. In addition to that, there was another issue identified with XXXX XXXX. Replying to an email enquiry, XXXX XXXX informed me that XXXX XXXX, a partner of CITI Mortgage, will service my loan on behalf of CITI Mortgage. At first, I told him that I had no issue with a third party servicing my loan. However, after some extensive research, I discovered some serious problems/complaints against XXXX XXXX and brought it to XXXX and other team members attention immediately XXXX XXXX XXXX XXXX XXXX 
In XX/XX/XXXX, CITI Mortgage sent me the final closing disclosure and asked me to prepare for closing. I informed XXXX and the team that I was not ready to close my refinancing loan in XXXX and requested a closing date in XX/XX/XXXX and asked them to address my concerns ( i.e. Celnar issue ) properly. I waited more than a year and expected them to wait at least one more month for my closing so that my concerns would be resolved and addressed. Unfortunately, XXXX and the team ignored my request and withdrew my refinancing loan application file completely. 
Citi Mortgage promised me at the time of the application that the closing would be completed in 90 days and charged me a deposit worth {$700.00}. I submitted a lot of documents ( at least 7 times ). I have had many opportunities to refinance with other banks with a lower interest rate that CITI mortgage offered me. Since I paid the deposit money to CITI Mortgage, I had no option but to stay with them. Since the approval of my refinancing loan application ( XX/XX/XXXX ), I have been losing a lot of money and I need to be compensated by CITI Mortgage for my financial loss.
Product: Checking or savings account

XX/XX/XXXX at XXXX pm Citi bank XXXX department called me unfortunately I was not able to pick up, but they left a voice message. I called them back and spoke to XXXX, and she informed me that the analyst responsible for my case is having issues with her computer. then proceed to ask me for a bill on my name I informed her that I have no bill on my name, and I sent My XXXX form and my driver 's license info. I informed as a matter of fact I could go to the branch in person to verify who I am which is the best form of identity verification. I proceeded to inform her the only reason that Citibank is reaching out now is due to being caught, they did not think I will submit a complaint. they had every intention of keeping my fund and not giving it to me because if they did want to give my fund back they would have reached out sooner not after I submitted a complaint requesting my info. 
Citibank has a habit of doing so, back in XXXX Citibank was sued for stealing funds from clients. I will not go peacefully into the night regarding this matter. I am keeping all my recording for when it goes out to the media. Hopefully, I will numerous individuals going through the same thing so we can bring a class lawsuit against Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXX  Date Opened XX/XX/2017 Balance {$7900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I found fraudulent accounts on my credit report I was applied for a credit and I found some one used my personal information and open credit under my name.
Product: Checking or savings account

I have bank with the following Banks in XXXX SC XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX  and TD Bank and now XXXX XXXX. This complaint is about TD Bank and XXXX XXXX XXXX bank both these banks is where XXXX XXXX have worked and possibly XXXX XXXX  XXXX where I have had money stolen from and identity. When I started having problems with TD Bank I recognize who she was from other bank her name now is XXXX XXXX XXXX. I told her that I recognize her and we talked for some time in her office. I immediately left and called to speak to someone in a regional office XXXX who never returned phone call after his first intinal call. I told him my account was coming up short for the past couple of months since XXXX XXXX XXXX was there and I would add up everything and call back but he didn't return call. I have had XXXX XXXX dollars stolen from XXXX XXXX XXXX XXXX  and XXXX from XXXX XXXX XXXX and TD Bank at least XXXX .I don't know what to do please help me about this situation that is getting worse instead of better I am tired of being bullied by whomever causes me all kinds of problems with bills and identity theft issues. Someone also has a duplicate copy of my XXXX and tried to get money from bank account at TD Bank but XXXX XXXX XXXX recognize person wasn't me I got a police report number and tried to get footage but XXXX said I need to have the exact date and time. I need someone to look at what has happened to me at TD Bank my account I left soon as I recognize XXXX because I started having so many problems and alert coming to my phone day and night I just took the last money I had and went to another bank so person kept trying to get money from ATM at XXXX I would get alerts to my phone person drives a gray car what kind I don't know but XXXX XXXX XXXX at Bank when it happen XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove 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 a few Personal credit card accounts. 
Account name : XXXX XXXX opened : XX/XX/year> Account name : XXXXXXXX XXXX XXXX  Date opened : XX/XX/year> These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and identified several inaccuracies that require your attention. Upon examination, I found discrepancies in the reported accounts, including inaccurate account numbers, balances, and payment history. Specifically, the XXXX Account # XXXX contains inaccuracies that violate 15 USC 1681 Sections 602, 604A Section 2, and 1681a paragraph 2 subsection I of the Fair Credit Reporting Act ( FCRA ). 

These inaccuracies have the potential to adversely affect my creditworthiness and financial standing. Furthermore, I believe these discrepancies constitute violations of my rights under the FCRA, including my right to privacy and accurate reporting of credit information. 

Therefore, I am requesting a thorough investigation into the reported accounts and personal information discrepancies, with particular emphasis on the XXXXXXXX Account # XXXX. I seek validation of the accuracy of each reported account, documentation of the sources of information, and clarification on any inquiries made to my credit report. 

I urge you to take immediate action to correct these inaccuracies and address the violations of the FCRA. 

I look forward to receiving a prompt response regarding the outcome of the reinvestigation and any necessary corrections made to my credit report. Otherwise legal action will be taken. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In sum, dismissal on the stated ground that XXXX had failed to comply with a XX/XX/XXXX order to amend his complaint is unsupportable because the order referred to did not in fact order XXXX to file a new complaint. Dismissal with prejudice was inappropriate because the amended complaint stated nonfrivolous claims and sufficed to give defendants notice of the substance, and many of the details, of XXXX 's claims. Further clarification of his claims may properly be gained through discovery. We conclude that the district court 's dismissal of the amended complaint was an abuse of discretion. 

We have considered all of defendants ' arguments in support of the dismissal and have found them to be without merit. The judgment of the district court is vacated, and the matter is remanded for further proceedings not inconsistent with this opinion. 

Costs are awarded to plaintiff against those defendants who have been served. 

Simmons v. Abruzzo, 49 F.3d 83, 88 ( 2d Cir. 1995 ) When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial.

SEC v. Jarkesy, 603 U.S. ___ ( 2024 ) 28 U.S. Code 1691 - Seal and teste of process All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof.

( June 25, 1948, ch. 646, 62 Stat. 945. ) Writ of XXXX XXXX XXXX never served by clerks and Writs never signed and sealed
Product: Mortgage

I was shocked when reviewing my credit report in regards to a late payment reported for Shellpoint account # XXXX in XX/XX/2019. I am not sure what had happened. I believe all my payment to be made on time. My thought is that a statement was never received. As soon as I became aware of the issue I quickly resolved the issue and have been on time since.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed accounts that were opened via identity theft with servicer between XXXX to 5 times and they keep verifying the information is correct. I've told them to block the information also but they refused to do so. Their response was my dispute isn't valid, because I didn't identify the account I wan to be disputed/erased. I took all the necessary steps to remove the tradelines off of my report.