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

I currently have several general and store credit card accounts through Citibank. Due to previous economic hardship, I opted to close the accounts and pay off the remaining balances with monthly payments made through a debt management plan. I have been making regular and timely payments through this plan for over a year. 

As a consequence of the recent Covid-19 pandemic, I lost work and income. I saw that Citibank offers temporary ( one- to two-month ) Covid-related payment deferrals to its customers, so I called on XX/XX/2020 to arrange deferrals for my credit card accounts. I was told by several very polite and apologetic customer service agents that because my accounts were being paid through a debt management plan, they did not qualify for deferral. The agents mentioned that since such accounts are not charged late fees, I could just choose to withhold payments for a month or two. However, they noted the accounts could still be reported as delinquent if I chose to not make payments. 

Policies such as these unfairly penalize customers most in need of aid. A one- or two-month payment deferral on these accounts would significantly ease the financial strain on me and my family, prevent me from having to take more drastic steps ( e.g. bankruptcy ) that would further harm the credit I am trying to rebuild, and help me to continue paying off my balances in a timely manner after the deferral period. I am surprised by the company 's lack of compassion and understanding at this difficult time.
Product: Bank account or service

In XXXX 2015 I used my First Citizens online bill pay service to pay several bills. First Citizens returned the bills as unpayable, even though I had more than enough money in my account to pay them. I have made repeated phone calls to correct this, and was told something different each time. Each time I was assured that the problem was resolved and the creditors were paid. I am now getting collection notices from XXXX of the creditors, as well as late fees and damage to my credit report. 

I am attaching my First Citizens bank statement for that month to show a balance of over {$20000.00}, as well as the notice from XXXX of the creditors stating that my bank had denied payment.
Product: Money transfer, virtual currency, or money service

I had purchased an item from XXXX, I returned it, the refund amount was for {$8.00} on my AppleCash card. 

XXXX refunded to my AppleCash card on XX/XX/year>. 

I have sent XXXX " report the Issue '' to Apple. No response from them. 

I have screenshot the prove.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here 's the list of inquiries which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts, has violated my rights. 
( XXXX  ) # XXXX ( XXXX XXXX # XXXX ( XXXX XXXX ) # XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy.

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

On XX/XX/XXXX, I was approved for a {$7000.00} hybrid loan from SeedFi. {$4000.00} available immediately, and {$3000.00} secured in a 'locked ' savings account. The monthly payment was {$320.00}, which I kept current. On XX/XX/XXXX, I received an email from SeedFi stating that my loan was being taken over by their 'trusted partner ', XXXX. The monthly payment was still {$320.00}, which I kept current. On XX/XX/XXXX I decided to pay the loan off and have the savings account unlocked. I initiated a payment of {$4000.00} which was processed, and deposited, by XXXX on XX/XX/XXXX. I immediately called XXXX and asked them to release the lock on the savings account so I could access the much-needed funds. Was told they would unlock the funds and have it deposited to my checking account as soon as possible, but no later than XX/XX/XXXX. It is now the end of business on XX/XX/XXXX and I still do not have the funds. Furthermore, XXXX outright lied on an email to me about the payoff of the account, claiming it was XX/XX/XXXX ( please see attached document ). The payoff was 17 days earlier. Furthermore, XXXX initiated an auto-withdrawal from my checking account AFTER I paid off the account even though I have called numerous times informing them the auto-withdrawals need to stop immediately. In total, SeedFi/XXXX  owes me {$3300.00}, DUE IMMEDIATELY.
Product: Debt collection

This was a bill generated after they couldn't collect thru my health insurance ; I've asked for more details on this invoice and never got it, also they never provided and specific date or treatment done and cost billed to insurance, as my insurance was valid and covering any treatments at the time. 
Also if it was a deductible, they never specified it in the bill.
Product: Credit reporting or other personal consumer reports

I have disputed accounts on XXXX, XXXX and XXXX for accounts that are not mine that are listed reporting as collections or bad debt. I have requested documents contracts I have not been supplied any on multiple occasions in dating from year XXXX to current year with statement I HAVE NOT SUPPLIED PROOF UNDER THE XXXX XXXX XXXX BY SILENCE. XXXX. XXXX XXXX ( MO ) XXXX XXXX, XXXX I PRESUME THAT PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE DOES NOT EXISTS Accounts listed below as follows XXXX XXXX Reported : XXXX XXXX, XXXX {$690.00} XXXX Reported : XXXX XXXX, XXXX {$480.00} or {$580.00} XXXX Reported : XXXX. XXXX, XXXX {$990.00} LVNV FUNDING LLC Reported : XXXX XXXX, XXXX {$510.00} XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT and XXXX account XXXX said to be opened on XX/XX/2018, both parties have violated my rights. 

15 USC 1681 section 602 A - States I have rights to my privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 166b states s creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Debt collection

XXXX isn’t removing this debt that has been paid off on my credit report, they are stating that this debt is accurate and true even after disputing this and uploading documents that show/prove that I paid this debt off. I submitted a dispute XX/XX/19, they resolved it XX/XX/19 and said that they didn’t delete this because I still this debt to a company.
Product: Mortgage

In XXXX my wife and I purchased a sail boat. The mortgage was held by Washington Mutual, XXXX Wa. In XXXX we paid off the mortgage for the boat and I received a Discharge of Mortgage. In XXXX our first floor of our house was washed out by Hurricane XXXX and we lost all of our paperwork including the Dishage of Mortgage. In XXXX I sold the boat. When the new owner tried to register the sail boat with the XXXX Documentation office they told the new owner he could n't because they never received the Discharge of Mortgage paperwork from Washington Mutual. I contacted JP Morgan/Chase and asked them to supply one. They explained to me that they only transferred electronically into their system account information that had open liens or mortgages. I then contacted Washington State DMV to see if they had record of my mortgage. They explained to me that they only keep records for six ( 6 ) years once they have received a Discharge of Mortgage notice. They suggested I contact the Credit Bureau which I did. They ran my credit history and there was no information on the report concerning our loan with Washington Mutual. They explained to me that meant I had paid off the mortgage and they do not keep payed off loan info for more than 10 years. So here we are, caught between a rock and a hard place and we may have to return the money we received from the sale of the sail boat because I can not prove to the XXXX XXXX Documentation office that we paid off our loan with Washington Mutual.
Product: Debt collection

I have reached out to NCC three times, on three separate occasions, to request verification of debt over the last 3 months ( 90 days ). The representatives keep telling me my requests have not been processed and " hopefully '' something will be mailed to me. I called the original creditor and they don't have anything on file for me and told me to contact the debt collector again. Nothing has been provided to me. I can not verify this debt is mine and they have continuously failed to prove that. I want to dispute the validity of this debt due to XXXX 's failure to provide me materials I need to verify this is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act account # XXXX  XXXX, XXXX 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 reporting, credit repair services, or other personal consumer reports

Credit report is showing late payment on my personal credit report for business credit card accounts. I have repeatedly try to have this removed. These are continuously affecting my ability to get credit for my personal use.
Product: Credit reporting or other personal consumer reports

See letter in attachment. 

XXXX Transunion and XXXX continue to report inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your agency is reporting inaccurate information on my credit report for trade line XXXX XXXX/XXXX  XXXX ; incorrect payment history
Product: Credit reporting, credit repair services, or other personal consumer reports

am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated XXXX ( 3 ) accounts inaccurate information please remove XXXX {$1100.00} XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX Equifax
Product: Vehicle loan or lease

The situation with Ally Auto began last year during covid. We were offered more than XXXX extension last year due to covid and none of them were honored. It became evident when it started showing up on our credit report. During communication with their customer service, we would repeatedly ask if our account was current and were reassured that we were only to find out later, usually beyond the 30 day past due mark, that it was not. This issue has been continuously ongoing for the past year. Our vehicle ended up in XXXX status in the month of XXXX. Ok, we will make arrangements to pay, catch up and clear our account so that it will not further damage our credit. We worked with a gentleman from their XXXX dept and were given the amounts we were to pay for our account to come out of XXXX status and become current. We made al the agreed upon payments, at the time we were scheduled to make them only to find out today, XX/XX/XXXX, that our account was not current in XXXX, XXXX and XXXX. I honestly think that it is a result of the covid extensions not being honored that has had a ripple effect to now because we have been making monthly payments to this company, in the full amount. I am tired of this company telling me something different every single time I call them. It is ruining our credit and the frustration at this point is inexplicable. No one will help me other than to keep pushing the notion that I am late. I need help and resolution because they are single handedly ruining our credit.
Product: Mortgage

I APPLIED FOR HARDSHIP ASSISTANCE AND TRIED TO MAKE MY PAYMENT SEVERAL TIMES, MY PAYMENT WAS DUE IN XX/XX/2018 I MADE MY MORTGAGE PAYMENT AFTER STRUGGLES OF TRYING TO MAKE IT WITH SPS. AFTER I FINALLY GOT A HOLD OF SOMEONE ON XX/XX/18 WITH SOME HELP THEY INFORMED ME TO WIRE FUNDS TO THEM WHICH I DID AND I GOT MY CONFIRMATION. I WAS THEN TOLD THAT I WAS STILL DELINQUENT AND THAT I TELL MAKE MY FULL PAYMENT, THEY REPEATED BACK TO THE AMOUNT I MADE WHICH WAS {$900.00} AND THAT IS WHAT THE APPROVAL SAYS. HOWEVER THEY ARE STATING THAT THEY CANCELLED IT OUT DUE TO NON-PAYMENT. I AM SO FRUSTRATED WITH FIGHTING WITH SPS TO GET APPROVED NOW I AM APPROVED AND THE LENDER IS NOW FIGHTING ME ON TAKE THE FUNDS FOR MY APPROVAL. 

FHA GUIDELINES ARE VERY EASY TO FOLLOW EVEN IF IT IS 1009 PAGES, IT IS APPARENT THAT IT IS NOT SPS POLICY TO BE KNOWLEDGEABLE WITH THE GUIDELINES FOR THE INVESTOR AND THE LOANS THEY SERVICE. FOR THE MANAGERS AND THE EMPLOYEES IN THE LOSS MITIGATION DEPARTMENT I HAVE WENT THROUGH FHA GUIDELINES AND HAVE POSITED BELOW SO YOU CAN SEE THE GRACE PERIOD FOR ALL TRIAL MODIFICATIONS IS THE FULL MONTH IT IS DUE, NOT ONLY ARE THEY NOT FOLLOWING FEDERAL REGULATIONS ON MY FHA LOAN WITH THE PAYMENT. I WAS ALSO SUPPOSE TO SIGN AN AGREEMENT WHICH WAS NOT SENT TO ME, I ONLY RECEIVED A ONE PAGE APPROVAL.

FHA GUIDELINES : ( b ) Trial Payment Plan Failure The Borrower has failed the TPP when one of the following occurs : the Borrower does not return the executed TPP Agreement within the month the first trial payment is due ; the Borrower vacates or abandons the Property ; or the Borrower does not make a scheduled TPP payment by the last Day of the month it was due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with address appearing on my file that do not belong to me! the following addresses are no mine please delete ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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 -Untitled { Medical Subject has not satisfied debt. XXXX -Untitled { Medical Subject has not satisfied debt. XXXX -Untitled { Medical Subject has not satisfied debt. XXXX -Untitled { Medical Subject has not satisfied debt. XXXX -Untitled { Medical Subject has not satisfied debt. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at Account nameXXXX XXXX XXXX Account number XXXX Date XXXX Balance {$77000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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: Money transfer, virtual currency, or money service

I have tried to do a money transfer from USA to XXXX. The service/used was from Skrill. Transaction Date XXXX XX/XX/2020 Transaction amount {$1000.00} They asked me to submit documents for identity verification before continuing with transaction, I submitted those via their website They came back and said it is not the correct docs. I resubmitted the docs, and still the same issue. Tried this 3 times and since this was not being successful, I requested them to cancel the transaction and refund the money I called their helpline couple of times, send the refund request around 4 to 5 times ( via email ) and they did not processed the refund till date. Now they have disabled my account ( which is fine ) but I have still not got the refund or any status update in this regard. Appreciate your help to resolve this issue
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report from one of the credit agencies. XXXX, Equifax or XXXX. Upon reviewing it I noticed some discrepancies that I would like to address. There seems to be a record of payments and inaccurate accounts associated with my profile specifically concerning the account under ( XXXX XXXX ). I want to clarify that I have never been late in making payments for this account. Kindly provide documentation supporting any alleged payments so that we can rectify this error. If you are unable to provide evidence, I request that these inaccuracies, be promptly removed from my credit report as per 15 USC 1681b. It appears that there may have been a misunderstanding or oversight on your end regarding the reporting of information related to my account. According to the law outlined in 15 USC 1681b concerning purposes of consumer reports it is crucial to adhere to guidelines when furnishing consumer reports. As per the statute mentioned above consumer reporting agencies are only permitted to furnish consumer reports based on written instructions from the individual. Therefore, I urge you to verify whether I explicitly authorized the inclusion of this information in my credit report. Thank you for your attention and cooperation, in resolving this matter efficiently. Additionally, the FAIR CREDIT REPORTING ACT, under section 15 USC 1681 ( XXXX ) ( a ) ( i ) specifies exclusions regarding information in consumer credit reports. ( XXXX ) EXCLUSIONS. With the exception outlined in paragraph ( XXXX ) a " consumer report '' does not encompass Within the provisions of section XXXX XXXX of this title any ( i ) report that solely contains details about interactions or transactions between the consumer and the reporting entity. Kindly remove the payments from my consumer report as it violates 15 USC 1681. Failure to adequately respond by deleting the specified account from my report and providing a complimentary copy post adjustments will lead to action against your organization. I intend to seek {$1000.00} per violation for. XXXX. Defamation of Character XXXX. Negligent Enablement of XXXX XXXX XXXX. Violations under XXXX XXXX Collections Practices XXXX specified in 15 USC 1692g XXXX. Willful noncompliance with Fair Credit Reporting Act outlined in 15 USC 1681. Liability, for noncompliance [ XXXX XXXX. XXXX In ] XXXX year payment history is erroneous and incomplete with all three credit agencies. XXXX : 30 days late XX/XX/2023 & XXXX XXXX XXXX days late. 
XXXX : XXXX days late XX/XX/2023 and XXXX XXXX XXXX days late. 
Equifax : XXXX XXXX XXXX  days late and XXXX XXXX XXXX days late, XXXX XXXX XXXX days Late and XXXX XXXX XXXX days late.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported 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