23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian just posted that I was late on a payment for XXXX. 

I made my payment and have the screenshot to prove it that will be provided with this complaint. 

My score dropped over 70 points! 

First I paid off my entire balance. And then there were a few charges so I made a payment of {$1100.00} XX/XX/2021 Today is XX/XX/2021 and they said I am 30 days late for a payment. 

How the heck is that possible. 
Its ridiculous. And very much incorrect. This is an important time for my credit to be high because Im getting a house for myself and now with my credit dropping 70 points its making my life XXXX. 

On top of that they still have not done anything about the incorrect collection on my account. This is ridiculous. 

First my credit dropping because of incorrect info about a collection and now 70 points for incorrect late payment? 

Whats going on with Experian
Product: Credit card

To whom it may concern, Please I need some help here. I have not received my merchandise a Samsung tv that I ordered on line. On or about XX/XX/2016 I saw an ad on craiglist for a sansumg tv XXXX so I inquired to the phone number listed XXXX I talk to a XXXX XXXX and his email address is XXXX XXXX XXXXXXXXXXXX. He said he has just started working there and said the tvs come from California. I asked him to send me an invoice and price on priority shipping. From this email he sent me an invoice and requested I send him my credit card info.So I sent him my credit card information couple of days later I asked for the tracking number after a bunch of the run around no tracking number was sent and communication stopped. I have copies of the conversation that was via text and the invoice for the tv. Please this is a fraudulent transaction. I did n't receive any merchandise. Figuring this is an open a closed case with my credit card company. I explained to my credit card company the fraud they told me it was a dispute matter and said they would reverse the charges. Atfer doing a dispute with the credit card I pretty much got the run around with the dispute process. On the invoice it says 14 day money back guarantee. which the credit card company refused to look at it. as of right now citi closed the dispute. Talking with citi they informed me this is a taxi company. not the company on the invoice.
Product: Checking or savings account

Citibank makes it incredibly easy to sign up for checking and or savings account. You can do so online without ever talking to a person. If you want to cancel your account they make it incredibly difficult. There is no way to cancel online. You must call their customer service line. That customer service rep will request you give them your security word. I have no recollection of ever filling out a security word for my account and am usually very good about keeping those sorts of things. A XXXX search suggested that XXXX only has you select a security word for accounts that have credit cards. They also requested my card number, but I was never issued a card for my account ( no debit or credit card ). When I searched online on Citi 's webpage and app, there was no way to look up my security word and when I clicked on a link in their " FAQ '' that said " Forgot Security Word '' the link opened to a page not found notice. 

I asked for assistance and the first customer service person hung up on me. The second one was more helpful ( because I stated I intended to file a complaint with the CFPB ) and stated the only way I could close my account was to go to a branch. I asked her where the closest branch was from my city ( XXXX  XXXX XXXX ), knowing the closest branch was hundreds of miles away. She was unable to answer and said I needed to send them a letter and she was going to give me a mailing address. I asked to speak to her supervisor. 

Her supervisor was able to send me a text message to authenticate my identity and then stated he submitted an application to cancel my account. This shows the bank CAN cancel accounts over the phone without a security word or debit card number ( both of which I do not believe ever existed for this account ), but they make it very difficult to do so. Most consumers can not aggressively advocate on their own behalf and had I not been aggressive, they would not have canceled my account- and eventually would have started charging fees on my checking account. There is no way to change or look up the security word and they stated they couldn't issue me a debit card without the security word. As a result, I was going to be forced to drive hundreds of miles to the nearest branch just to close an account. 

I agree with the FTC that it should be as easy to cancel something as it is to sign up for it. The barriers Citi has placed in the way of canceling accounts are intentionally designed to stop people from canceling, so that they can continue to collect fees and keep money in their bank.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Upon a thorough review of my consumer credit report, I have identified multiple egregious violations of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681s2 and related provisions. These violations entitle me to monetary compensation, and I am prepared to pursue all necessary legal avenues to ensure these rights are enforced. Violations Cited : Under 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ), your agency has furnished reports in connection with credit or insurance transactions that I did not initiate or authorize. Specifically : XXXX XXXX XXXX - XX/XX/XXXX These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit. 

XXXX  - XX/XX/XXXX These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit. 

XXXX - XX/XX/XXXX These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit. 

XXXX  - XX/XX/XXXX These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit. 

XXXX  - XX/XX/XXXX These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit. 

XXXX XXXX  XXXX - XX/XX/XXXX These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit. 

XXXX XXXX - XX/XX/XXXX These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 60 days and I have not received a response yet. I feel like my disputes are being ignored and that I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate incorrect items within 30 days gives reason to immediately remove those items from my credit report. it has been over 60 days now so those incorrect items should be deleted immediately. I demand that these accounts be deleted instantly or I will file for litigation due to the stress you caused me. Also, my information was impacted by the Equifax data breach and may have been stolen.
Product: Debt collection

This company has violated my consumer rights and continue to attempt to collect on a debt by reporting it to my consumer credit report, when I do not owe any debt to this company or the original creditor and the statue of limitation is past three years to collect on this debt. Regardless if they are a third party, the same statue of limitation applies. The clock does not restart when the debt is transfer or sold to another collection agency. These are the following consumer laws I know they are violating for sure : Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ), not been given a chance to dispute an account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ).

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I attached a copy of the full complaint letter as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S code & 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this CFPB you did not handle my complaint correctly! You are helping these 3rd parties companies house illegal activities and information! You also didnt notify me of my dispute! Experian and XXXX is illegal housing information causing me hardship! I am the original creditor and I didnt not give no consent or permission to have these companies to report negative information on myself! That is against FCRA! I want to know what proper steps was taken to know how wasnt my dispute resolved? Can you show proof of how those negative collections belong to me? Can have the companies send me the account information? Like account records, with payment information as wells? original signing signature? Can u show me all the open dates, account details? I sent in cease-and-desist letters. I sent in all my correspondence to via certified mail. CFpb have Experian and XXXX send in all the paperwork showing that all proper step was taken to to investigate this complaint! Because right now you all illegally helping Experian and XXXX participating in fraudulent activities! I will take legal action against you all! Collections thats need to be removed are XXXX XXXX # Acct number XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX account thats is reporting .. All them accounts needs to be removed & discharge immediately! None of those accounts belong to me legally! All the information from accounts number and open dates and late payments are illegal and wrong! These items do not belong to me! So show me prove? What step was properly taken? Please have experian and XXXX provide proof of a lawful and legal investigation.
Product: Checking or savings account

I had a checking account with FIRST BANK and some of there fees caused the account to go negative and they reported this as a charge off on my credit report. It is reporting as a line if credit that was charged off. This was a checking account with no credit associated with it. I requested a validation of debt and never got any response. Just a response stating they will not further investigate after I disputed it again.
Product: Mortgage

My husband and I applied for a refinance with our existing mortgage company -- M & T Bank -- in XXXX of XXXX. We worked with mortgage lender Mr. XXXX XXXX who submitted our application for the refinance. We were told that the best interest rate we could obtain on the refinance was at 3.1 percent. We submitted all of the information requested by the bank for the refinance, and paid fees to obtain our credit reports and the appraisal. Since that time, we were told that the refinance loan was approved on XX/XX/XXXX, and that we would soon close on this loan. But, as of today, we have not closed on the refinance. I have sent numerous e-mails on this mater and also asked if we could obtain a lower interest rate because we were told that the have gone down between 2.5 to 2.75 percent. Overall, M & T bank does not respond to our questions on the status of closing or whether we could obtain a lower interest rate on the loan. I talked to Mr. XXXX the last time on Wednesday, XX/XX/XXXX, but he could not tell me when the closing would occur. As I have explained to M & T Bank representatives it does not and should not take over 6 -7 months to close on a refinance. Especially when this is our current mortgage company and we have an excellent payment history with this bank.
Product: Mortgage

the lender has neglected to postpone sale during the review process of loss mitigation - the lender deemed the package complete on XX/XX/2017 - sale date is set for XX/XX/2017 Please suspend all foreclosure activity during the review period in accordance with Section 12 C.F.R. 1024.41 ( g ).
Product: Credit card

Contacted Bank of America to get a 10-day payoff balance on my account. I was given the amount of {$7200.00}. B of A faxed this paperwork to my credit union and the payment was made. I then called B of A to close my credit card account and was told that I had a credit of {$100.00} and was asked how I wanted to receive that credit. I asked the rep if there was going to be any additional charges or fees on the account and was told no. I had them send me the refund amount and was told the account was closed with a {$0.00} balance due. I have now received a bill that I owe them an additional {$74.00} due to interest. I have contacted them to find out why I was not told about this at the time I closed the account otherwise I would have left the money in the account & that this should have been taken care of when the account was closed. They then failed to take care of this balance as a courtesy even though the rep on the phone completely agreed that there was no way I could have known there was going to be any additional balance to pay. I am refusing to pay this amount to B of A.
Product: Mortgage

I am expressing my concerns about the unprofessional and potentially unethical practices I have encountered since Mr. Cooper and XXXX acquired my mortgage loan. It has become evident that this company have consistently sought to increase my monthly payments through questionable means. I am particularly troubled by the following issues : Unwarranted Escrow Charges : Despite providing proof of full insurance coverage, Mr. Cooper and XXXX have charged me an additional {$180.00} in escrow. This charge appears unjustified, given that my insurance coverage meets all required standards. The continued imposition of this fee suggests either an error or an attempt to exploit my situation for additional revenue. 

Excessive Interest Rate Adjustments : My mortgage agreement purportedly includes an adjustable interest rate, which has been raised to the maximum allowable rate of XXXX percent. This adjustment results in a monthly payment of {$1800.00} on a {$200000.00} mortgage. While interest rates are known to fluctuate, it is concerning that the rate was increased to its peak during a period of rising rates without a corresponding decrease when rates dropped. This practice seems designed to maximize profits at the expense of my financial stability, particularly when market rates decline but my rate remains excessively high. 

These practices not only impose a significant financial burden on me but also raise questions about the ethics and legality of the actions taken by Mr. Cooper and XXXX. I urge you to investigate these concerns thoroughly and take appropriate measures to rectify these issues.
Product: Mortgage

Seterus sent me a letter stating that I am eligible for a {$5000.00} incentive in coordination with my Home Affordable Modification ( HAMP ). Their letter states, 'this new benefit of {$5000.00}, which will be applied to your unpaid principal balance after the sixth anniversary date of your first trial period payment due date ' ( which for me XX/XX/XXXX so I should be receiving the benefit six years later, XX/XX/XXXX ). But when I called Seterus, they said that they are changing the date to when the loan was transferred to Seterus instead. Which would mean I would have to wait another year. First of all, what they are saying is not in accordance with the letter THEY sent me. Secondly, the sentence that I quoted from their letter is also stated on various websites of the Federal Government ( of which I have referenced at the bottom of this complaint ). So by changing the dates to match their own interests, they are not just breaking their own pledge, but also that of the Federal government. 

Effective XX/XX/XXXX, borrowers who remain in good standing in accordance with Guide Chapter XXXX, Home Affordable Modification Program, and who have submitted the appropriate Dodd-Frank Certification form or Guide Form XXXX, Real Estate Fraud Certification, may be eligible to receive a HAMP Year Six " Pay for Performance '' incentive. This incentive, which is in the form of a one-time, lump sum principle reduction of {$5000.00}, is payable the month after the sixth anniversary of the HAMP Trial Period Effective Date.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX 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
Product: Credit card

Decision to pay off balance. On XX/XX/XXXX went into online account to check balance so I would have correct balance due. 
Caught off guard because the balance was so high, which I looked at the only correspondence from company regarding my account. I only get statements online, no emails, text messages, or mail. 
The statement showed ending XX/XX/XXXX where the balance was at almost {$2400.00}, with a notation saying promotional period will be ending shortly ( I had believed promotional period would end in XXXX ). 
Found out during conversation with companies customer service that the total balance ( which was about {$2400.00} ) now had the total interest ( 32.99 % ) of about {$1600.00} added onto on balance. Company did this on XX/XX/XXXX when they said promotional period ended. 
Looked at next statement ( that is only provided online, which I had never looked at, only making all necessary payments online ). 
XXXX statement showed additional interest charged adding almost an additional {$150.00} to balance, now bringing total due over {$4000.00}. Figures are not exact, but approximate since I didn't know if I was to download all statements. I have always made monthly payments, trying to make payments a little more. 
But no other form of communications ( email, texts, letters, etc ) were provided that promotional period was ending ( except in a note on online statement ) helping me as a great citizen who pays her bills! 
I communicated all information to the company that on XX/XX/XXXX I was going into my account to pay, in full, my balance due of about {$2400.00}. I informed them I thought promotional period ended in XXXX and that is why I planned to pay balance in full. I actually begged and pleaded to eliminate interest and I would pay immediately. They refused. Talked to management and was told that the COMPUTER would not allow that. 
Was shocked that a computer dictated how a good paying customer, could be denied the common courtesy to eliminate interest charges that I know every company could adjust with management approval. Now this will effect and seriously hurt my credit score which has always been top notch. 
So this company said in a online statement that promotional period would end shortly ( no actual date or month was provided as far as I know ) which a date on statement said XX/XX/XXXX. Then on XX/XX/XXXX when attempt to pay balance in full was made is when I saw the whole promotional period interest was added. Next payment was due XX/XX/XXXX with additional interest of about {$150.00} was added. 
Called company immediately and was told the interest was added on XX/XX/XXXX. I would have paid balance immediately if they would have somehow disclosed the dates. Please contact me for additional information please. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX account opened XX/XX/XXXX is reflecting an inaccurate late payment XX/XX/XXXX late and XX/XX/XXXX current XXXX and XXXXcurrent and later XX/XX/XXXX on Equifax and XXXX this information is incomplete and inaccurate and in inaccurate balance the bal on this card is XXXX as on my report it reflects at XXXX a I have opened a case and was told the information will be updated with XXXX XXXX  for the error on my report the case number is XXXX I have contacted their office of the president and was told that information will be updated and to contact the bureau to dispute it this makes this account incomplete and inaccurate please per FCRA RIGHTS 1 ) 15 USC 1681 ( 2 ) ( a ) ( state 's Transactions and Experiences between the consumer and the person making the report are not included in " consumer Report Please update my report as Paid never late as it violates 15 USC 1681 ( 2 ) ( a ) law by not reporting accurate and complete information
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft - All this stuff is fraudulent. I need all this stuff removed from my credit report. I already put a freeze on my credit account. Please help me out. 

Alert Date XX/XX/2018 Source XXXX  Phone ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Company XXXX Alert Date XX/XX/2018 Source XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Company XXXX XXXX XXXX XXXX Date XX/XX/2018 Company XXXX XXXX XXXX XXXX XXXX XXXX About this Alert XXXX XXXX XXXX  is a XXXX-based national bank with in-person financial centers, online, and telephone bank. Your identity may have been verified for a new account or access to an existing account Date XX/XX/2018 Company XXXX XXXX XXXX   Activity New Application About this Alert Bank of America is a XXXX-based national bank with in-person financial centers, online, and telephone bank. Your identity may have been identified during a financial transaction or discussion Alert Date XX/XX/2018 Source EXPERIAN Phone ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Company XXXX XXXX XXXX XXXX