23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I attempted make a payment to Citi Bank credit card several times on XX/XX/year>, which was the due date. Unfortunately, I was unable to access their website to make payment on XX/XX/XXXX. I have a screen capture on my phone that I hope would show that I was not able to access their site. 

However, I was able to access their website on XX/XX/XXXX, and I paid the full outstanding balance as I do each month. 

After learning of the charge, I contacted Citi Bank to request that the late payment fee and interest be removed. They refused to remove the fee and interest. I believe Citi Bank purposely prevented me from gaining access to their site to complete the payment.
Product: Prepaid card

So I have had money taken out my dash of direct account which wasn't me and I was trying to get my money back so I called Dasher Direct and he told me they couldn't do anything. They told me to call the merchant which was XXXX XXXX so called XXXX XXXX and they told me they couldn't do anything since I don't since I didn't have a XXXX XXXX. They told me to call the bank the so I called the bank and the bank said to call - Dasher direct that they couldn't do anything, been really aggravated cuz nobody can can seems to be able to help me get my money back and I worked for that money it's not fair. I want my money back now please. It seems ridiculous that none of these companies can help me out to get my money back that was taken from me
Product: Checking or savings account

Wells Fargo business account They said my physical address from years ago was a Pak mail. I closed that years ago and updated my addresses. 
They sent a letter on XXXX XXXX stating I must go into my branch which I did. It was corrected in computer on XXXX XXXX before cut off date XXXX XXXX. 
I woke up today and my account was closed. I have over XXXX in business checks that are worthless now. I have to change all of my business automatic withdrawals. 
On the website it states I chose to close my AC and that is false information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late on the following account and requested physical verification of late payments and never received this information. 

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, credit repair services, or other personal consumer reports

i have noticed some late payments in my report.I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are : XXXX XXXX CO ACCT # XXXX, XXXX XXXX XXXX BANK ACCT # XXXX, XXXX XXXX XXXX XXXX XXXX ACCT # XXXX. I do not consent to XXXX or any means of automated verification, so conduction this investigation the proper way.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I sent a certified letter for a cease and desist in XX/XX/2018. The company receive the certified letter and the calls continued to come to my home and cell phone. I filed a complaint on this site. I received a response back that I am not the person they are looking for and my home phone was removed. The calls continue to come in on my home and cell phone. I have never disclosed my cell phone nor do I allow calls on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXXXX/XX/XXXX Balance : {$1600.00} XXXX XXXX XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXXXX/XX/XXXX Balance {$310.00} XXXX  XX/XX/XXXX XXXX : {$2400.00} XXXX XX/XX/XXXX Balance : {$700.00} XXXX XXXX XX/XX/XXXX Balance : {$3700.00} AFFIRM INC XX/XX/XXXX Balance : {$530.00}
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report the account as XXXX  XXXX Account # XXXX there are several late payments and inconsistency with the report. 


High Balance : {$340.00} {$340.00} - XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Experian XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Checking or savings account

I opened an account with US Bank a few months ago, i was told once i do 2 direct deposit for total no less than {$4000.00}, i would get {$400.00} promotion, and i did that, the last few months, i contacted them several times, agent told me i have met the requirements, and the reward would give to me, i even received a paper letter on XX/XX/XXXX, said the reward would give to me by XX/XX/XXXX On XX/XX/XXXX, i contacted them, they promised would give me the reward, told me to wait till XX/XX/XXXX, but i still havent seen the reward, so i contacted them on XX/XX/XXXX, they said sorry you didnt meet the requirements.
Product: Debt collection

The account was settled on XXXX XXXX XXXX. I have contacted Credit Management LP multiple times to request the closure of the account to XXXX  balance and deletion from my credit report. However, to date this issue remains and continues to negatively impact my credit rating. Therefore, I am demanding the IMMEDIATE deletion of this item from my credit report, close this account, and cease all collection actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I live on XXXX XXXX and took a direct hit from Hurricane Ian. I called them when I was able to finally get phone service back and they told me they weren't reporting late payments for 90 days due to Ian. I have always and am currently in good standing with them. This is holding up my credit as I'm trying to buy a house. XXXXXXXX XXXX XXXX with XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX XXXX Date is XXXX XXXX My Equifax Confirmation Number IS XXXX OR XXXX And My FTC Report Number Is XXXX I'm Writing This Complaint Because My personal Information Was Exposed In A Data Breach I Checked Online & Found Out About The Data Breach I Looked Up My Credit Report I Found Inaccurate, False And Fraudulent Information That Don't Belong To Me I Contacted My Local Police Made A Report They Also Told Me To Make A Report With FTC Because Of Jurisdictions Ive Listed As Many Fraudulent Accounts As I Could .Also Recently I Called Equifax Filed A Dispute Myself And Also I Went Online Submited A Dispute And That Wasn't Helpful At All!! These Fraudulent Debt Is Hindering My Ability To Apply For My New Home Loan I Don't Know Where To Start Or The Next Step To Take To Remedy This Situation Which Has Caused Financial And Emotional Stress Worst Part I Was Denied A Job Based On Negative Information On My Report, Due to Covd19 I Was Recently Laid Off My Last Employer Now Every Employment Job Opportunity Is Online Based With Background & Credit Check Which Ive Been Denied Due To False Information Reporting With Equifax..I Have Been Subjected To Adverse Action Pertaining To The CRA 's Reporting XXXX Information As A Result Of Fraud Am A Victim Of Identify Theft And I Already Placed A FRAUD ALERT On My Credit Reports Here 's The List Of The Fraudulent Accounts : XXXX XXXX XXXX  XXXX XXXX {$36000.00} XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$590.00} Collection opened XX/XX/XXXX XXXX XXXX XXXX ( ( XXXX XXXX XXXX XXXX XXXX XXXX ) ) XXXX XXXX XX/XX/XXXX I Even Called Equifax Today Waited 3 Hours Before Someone Answered The Phone Just To Hang Up In My Face I'm Very Disapointed With The Way Equifax Has Been Handling My Report 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, FTC Report Number XXXX 605 ( b ) Block. Item must be blocked in no less than ( 4 ) days
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America ( " BOA '' ) serviced our mortgage until XX/XX/2013. Our mortgage was sold to XXXX that month, after BOA puller their business out of most of Maine. Prior to the transfer BOA agreed to modify our loan to allow us to bring our payments up to date. We recently attempted to obtain a home equity loan with XXXX however BOA continues to show our late payments on our credit reports. We have written to the three major credit reporting agencies and requested that they delete the negative item, but they will not do so without BOA 's action. We have asked BOA to remove the negative item from our credit reports, but the company refused to do so. Given the fact that BOA has not serviced our loan in nearly five years, we feel that continuing to report a negative item to the credit reporting agencies only serves as an open ended punishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

FedLoanServcing As of XX/XX/XXXX they're still reporting FALSELY. I see what's going on. For example the original high balance is {$2800.00} BUT once I make a payment, they're changing the new balance to be the " Original High balance '' therefore resulting in my debt to ratio over exceeding ( over 30 % ). It's appearing that payments are not being made, causing my XXXX to stale and not increase. I disputed several times with all three credit bureaus and NOTHING is being done about the falsifying of data and disparities to my FICO score. I called last month XX/XX/XXXX and spoke with a Rep, of course she placed the blame on the credit bureaus, Rep stated they're accurately sending data through e-coach. Rep wanted to see a copy of dispute results so I uploaded it onto the website so she can view the dispute. She ensured me that the issue should be resolved. She did find it strange that my rejected {$50.00} payment on XX/XX/XXXX actually got reported to the credit bureau. XXXX shot up 52 points after a ( fake ) {$50.00} payment YET authentic large payments FICO doesn't increase. I understand why now. Fed loan is CONTINUING to falsely report principle ( remaining balance ) as the high balance. Example once I got my payment down to {$2500.00} from {$2700.00}. They're reporting {$2500.00} as the high balance AND remaining balance. It's should reflect High balance as {$2800.00} and remaining balance {$2100.00} ( my last payment on XX/XX/XXXX wasn't reported as well and they report at the end of each month. 
I've been dealing with this now since XX/XX/XXXX going back and forth getting no where. Fed loan & XXXX XXXX say it's the Credit Bureaus and The Credit Bureaus say it's the Creditors. I've Attached images and proof of payments.
Product: Debt collection

XXXX XXXX XXXX XXXX has damaged my credit and defamed my credit by doing the following : 1. Did not send me proper validation when I requested, proving that I owe the alleged debt and that they have a contractual obligation between myself and this company, proving that they have the right to collect on this alleged debt, on the behalf of the original creditor. 
2. They had violated my rights under the FDCPA 809 ( b ) : Collectors that have not validated your debt, but they still continue to report to the credit bureaus, which is punishable by up to {$1000.00} for each proven violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate details being reported about loan on my credit report. My student loans were discharged because I am XXXX XXXX because of XXXX and I live in a XXXX XXXX. I hope to one day be XXXX, but until then I feel as though I am be criminalize over something that I have no control over. Sickness disease  and death is something we have no control over. I am very thankful for the rule of law that gives people like myself a Fighting Chance and Hope. Character and the peace of mind is what I 'm fighting for now, XXXX University is reporting that I have had late payments which is not true because I have never made any payments I 've been in the XXXX XXXX. Due to the government bailout I have been advised that all of my student loan accounts will show in good standing, no derogatory remarks or any such things that would be another battle to fight in addition to XXXX XXXX. I am fighting for my life and a credible name.
Product: Mortgage

On XX/XX/2020 I sent a request for documentation to Specialized Loan Servicing Consumer Complaint Division. I requested three specific types of documentation, all related to fees I was charged at closing that I believe were unallowable, unreasonable, or not incurred, including attorney fees for services that were undocumented, unnecessary or not-incurred. 

I requested, by XX/XX/2020 : 1. A detailed itemization of outstanding fees/corp. Advances 2. A full explanation for a {$1000.00} error in the last payoff statement provided by SLS, good through XX/XX/2020, and used at the XX/XX/2020 closing. 

3. A final, detailed accounting for the full {$8700.00} escrow/impound advance balance. 

As of XX/XX/2020 I have received no response, by email or post. 

I did receive a " payment notice '' with additional charges added to the " past payments breakdown. ''
Product: Checking or savings account

Got notice from US Bank that all our accounts were put on hold and would be closed by the bank. 
There was NO prior notice. 
Bank would not give us reason for accounts being closed. This was our primary saving, checking and credit card accounts leaving us with little to now way of managing our day to day financial obligations. ( buying food, paying bills etc. ). 
Our only option was to close out the accounts that we have had with USBank for 40 years for my wife and 30 plus years as a joint account. 
Now we are scrambling to figure out our banking and how we are going to pay bills, get paid by our employers etc... 
We had a deposit yesterday that they would not release back to us. Basically saying we had to either wait a month to get back the physical check or request the payee issue us a new check. 
We called multiple numbers for US bank fraud, customer verifications, and went to two separate US Bank locations with no help at all. The only think they said was US Bank was discontinuing its business relationship with my Wife as a customer immediately ( But not me ) This is unacceptable.
Product: Checking or savings account

The problem occurred XX/XX/2021, and I sent a letter of complaint to Citibank XX/XX/2021.
Product: Credit card or prepaid card

I filed a dispute on XX/XX/XXXX to dispute fraudulent charge of {$5500.00} to m yXXXX card on XX/XX/XXXX after returning home from vacaction. Tried to cancel with vendor while on vacation and got the run around so did some investigating and found hundreds of the same complaints.I have called, written and sent supporting documents to the card company numerous times with the end result being they need a detailed letter describing the events surrounding my claim and the credit amount I am requesting! I have attached 3 letters and all the documents I have sent them 3x 's and have probably called around 20x 's! What more could they possibly need with all the documentation and complaints I have attached. I do not have proof of cancellation, since I could never speak or get in touch with anyone from the provider as everyone else in this same situation. This vacation company is a scam and are ripping off tons of people and XXXX chooses to ignore it! I know they have received other complaints against this company since their name is mentioned in many complaints!
Product: Credit reporting

I have done multiple disputes against a XXXX XXXX XXXX account that shows delinquent status. Transunion is the only credit reporting agency that shows incorrect information marking my account as delinquent. I have disputed this directly with XXXX XXXX XXXX through XXXX and they responded stating that the information is correct on their end. They are NOT reporting any delinquencies during the time the account was opened with them. Please dispute the delinquency on the attached Mortgage account.
Product: Mortgage

On XX/XX/2022, my loan ( Loan # XXXX ) with LoanDepot was paid in full in conjunction with the sale of my home. I have been enrolled in autopay so that I would never miss a payment. I consented for LoanDepot to withdraw my monthly payment on the first of each month. I did not consent for LoanDepot to withdraw my monthly payment before the first of the month or after my loan was paid in full. Yet that it what happened. 

I close on a home purchase today, XX/XX/XXXX. I intended to use my home sale proceeds to purchase the home. But LoanDepot threw a wrench into that plan when it wrongfully debited {$4200.00} from my checking account on XX/XX/XXXX. The withdrawal cleared the morning of XX/XX/XXXX. This withdrawal is nonsensical - my mortgage was paid in full on XX/XX/XXXX. There was no outstanding obligation against which to apply any payment, much less {$4200.00}. 

I immediately called LoanDepot, around 7 AM, explained the situation, and requested an immediate return of my funds. LoanDepot refused to return the funds by ACH or wire. Two escalation agents told me that LoanDepot would overnight a check to me. Today, XX/XX/XXXX, I called LoanDepot to check in on the status. Two hours later, I received an email from a third escalation agent, XXXX XXXX XXXX ( phone ( XXXX ) XXXX ext. XXXX ) who informed me that LoanDepot would not take 3-5 business days to " review '' my request. This is an unfair and deceptive business practice and constitutes theft. LoanDepot had no basis to make a withdrawal against my checking account and by doing so has stolen from me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit ReportingAct this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 A section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I owed a medical bill to XXXX XXXX and they sent to collection agency. The amount owed was XXXX and collection agency continually increasing the amount and reporting on credit report and I made a payment to them for the bill and was not shown on credit report and did not apply toward bill. I just paid directly to XXXX XXXX the remaining balance minus the money already paid to collection agency.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX 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 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 XXXX  days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023 XXXX XXXX I believe thats her name ) from service loans located at XXXX XXXX XXXX XXXX XXXX tn XXXX contacted my mother XXXX and told her that I needed to contact her in reference to my past due account. I know there is privacy laws when it comes to personal loans. She isnt able to let her know what the call is about just who she is.It was very unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has removed my XXXX XXXX account from my credit file I have called and written on several occasions still have not gotten any results. Equifax refers me to XXXX XXXX, XXXX XXXX refers me back to Equifax and states that they have reinstated my account that was removed in error they continue to report to all credit bureaus XXXX, XXXX  and Equifax, My account is shows on XXXX  and XXXX  Equifax seems to be the only agency that their is an issue with. I received this credit card account XX/XX/XXXX the account stop reporting to my Equifax file in XXXX of XXXX. My account is current and in good standing, But this has been a continuous problem for two years I pay bill for a credit card that does not reflect my credit file or score this not right.