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

On XX/XX/2020 the XXXX  dollar annual fee for my CitiBank XXXX XXXX Platinum Select Card post to my account. On XXXX XXXX I contacted Citibank 's Consumer Credit Division to ask if it was too late to cancel the card and have the annual fee refund. The Citi representative replied that it was not too late to have the annual fee refunded if I canceled the card, as Citi would refund an annual fee as long as the card was canceled within 60 days of the fee posting. Given that information, I asked and was approved to close my Citibank XXXX  Platinum Select on XX/XX/XXXX. When I noticed that the annual fee had not been removed from my account the following day, I again called Citibank and was informed on XX/XX/2020 by another representative that the fee would be removed as I had cancelled within Citi 's 60 day refund window. I assumed the matter was closed and did not monitor the account further. 

On XX/XX/2020 I received an email, noting that I had a XXXX  dollar past due payment on my Citibank XXXX  Platinum Select Credit Card. After verifying that the fee was in fact still on my account, I attempted to contact Customer Service with seven separate calls. I was placed on hold for more than two hours for two of the first six calls. For four of the first six calls, the automated system ended my call during my wait period with no explanation. I was finally about to speak to a Citi customer service representative on my seventh attempt. The representative informed me that she could not remove the annual fee from my account, as Citi had recently changed its annual fee refund policy, saying that while it had previously been 60 days from the fee posting it was now 37 days. I pointed out to the representative that was not what I had been told when I cancelled the card, and noted that if I had known I would need to pay the annual fee regardless, I would have at least chosen to keep the card for the additional year to take advantage of the benefits. I also pointed out to the representative that no where in Citi 's Card Member Agreement do they define a specific timeline for how long a client has to request a refund after an annual fee posts to their account. I also pointed out that I had never received any notification regarding Citi 's refund policy change. Most importantly I felt it was completely unjust that I am expected to pay an annual fee for benefits I will not be able to use, as I had already cancelled the card based on different advice.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX 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 21 days before the payment due date. 


XXXXXXXX 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 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: Vehicle loan or lease

I am the co-signer of a loan for a XXXXXX/XX/XXXXXXXX XXXX XXXX ; a car leased by my daughter. On XX/XX/XXXX, she was involved in an auto accident and charged with a XXXX. This case is still in court and has not as yet been adjudicated. Around the time of her accident, her initial lease period was up, and not knowing what else to do, she verbalized a request for a six month lease extension. The car was impounded ( impound #XX/XX/XXXX ) and stored at a police lot. She was originally told that Chase would pick up the car and either have it fixed or auction it, or they would allow the police department to auction it. Three months later, we still don't know the status of the car as XXXX ( XXXX XXXX  ) the case manager.keeps telling us that she doesn't know what is going on with the car and has no answers to our questions. We have called her about eight times since late XX/XX/XXXX or earlyXX/XX/XXXX The only thing she tells us is that the bank 's attorney and the police department attorney need to talk to discuss what will be done with the car. This is told us despite the fact that my daughter 's attorney spoke to the DA, back in XX/XX/XXXX, and was informed that there was no issue with releasing the car and they sent paperwork to Chase months ago informing them of this. Meanwhile, they keep charging my daughter and expecting her to pay lease payments on a car that is no longer in her possession and never will be again. I feel that we are being held hostage by this situation, and no one is trying to resolve the matter in any kind of a fair or equitable way. Chase seems content to just keep stalling and keep charging us for a car that they seem to have no desire to do anything with except leave it in limbo forever. They have been anything but helpful and perhaps dishonest or at the least not forthcoming.
Product: Debt collection

Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by JP Recovery Services , Inc. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XX/XX/2015 for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
Product: Mortgage

I 'm in the process of completing a reverse mortgage ; however, I 'm finding this process to be very diffcult due to my loan processor, XXXX XXXX. She is very combative and hostile towards me and none of our discussion are productive. I 'm not sure is she is treating me unfairly due to may age ( XXXX ) or due to my ethnicity ( XXXX ). I 'm at the point I 'd rather due without the loan than have another conversation with her. We 've already spent over {$1000.00} for the appraisal and survey so I ca n't just drop the loan. Please help!!!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : Balance : {$3900.00} XXXX off XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : $ XXXX open
Product: Checking or savings account

On XX/XX/year>, I called Wells Fargo to inquire about the Reference Numbers for the compensation payments linked to them illegally enrolling me in Identity Theft ( XXXX  ) products. The agent I was transferred to ( XXXX ) refused to research my account to give me the reference numbers so I could fax my Mediation paperwork. The previous agent that transferred me had given her the 3 reference numbers that I needed. XXXX ended up telling me that she accidentally deleted the reference numbers and that there was no way for her to find them again. We argued a total of 20 minutes before I decided to simply hang up with the disgruntled employee. Refusing to provide critical information to customers is further evidence of how dishonest and unethical Wells Fargo is. What is even more amazing to me, if that I called back a few minutes later and spoke with a Tier 1 rep, named XXXX, that waa able to give me the missing reference numbers within about 30 seconds. Why did XXXX refuse to do something that she is legally obligated to do? XXXX actually told me that because I misplaced my reference numbers, I was XXXX out of luck for trying to get any form of compensation.
Product: Mortgage

I applied to BANK OF AMERICA for a home mortgage loan which was preapproved I have complied promptly with all requests for documents and based on the preapproval I made an offer to purchase a property at XXXX XXXX XXXX, XXXX XXXX CAXXXX the offer was accepted on XX/XX/2019. Today I was supposed to remove the loan contingency however I received a call from the assigned loan officerXXXX, XXXX, informing me that the underwriter is not willing to approve the loan without giving me a reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 collections with date opened of XX/XX/XXXX that are showing paid with a {$0.00} balance. However, Gold Key Credit, the collection agency that owned the debt at the time that I paid, agreed they would delete these two collection from my credit report as long as I paid them in full. So I did so. Since then, this company is no longer in business and it's impossible to reach someone. I have disputed these two accounts on several occassions as well as tried to reach the collection agency but have been unsuccessful. How is it possible that I've submitted 2 different disputes with both XXXX  and XXXX, the company is out of business, yet they continue to report information that is inaccurate and the bureaus are allowing it. Gold Key Credit made an agreement with me yet have not kept up their end of it. The disputes were sent on XX/XX/XXXX and XX/XX/XXXX. After researching Gold Key Credit it seems as though there was a pattern of them agreeing to these terms right before they went out of business but not actually removing the accounts as they agreed. Instead they have disappeared from the face of the earth.
Product: Mortgage

I am having many problems with this XXXX Mr Cooper. For a decade things were fine, but as soon as Mr Cooper assumed my loan things have gone array. Before they refused to process my payments, now a monthly fixed payment of XXXX $ has balloned to XXXX XXXX I have no choice but to pay until this is fixed. I would request assistance returning my payment to XXXX $ and staying there like a fixed rate should. There have been no increases in my lot property taxes so it should still be XXXX $ XXXX. I pray you can assist. XXXX
Product: Debt collection

I have repeatedly informed this company to stop all contact and collection with me. 

They text everyday and call everyday.
Product: Mortgage

On XX/XX/XXXX a notice was dated that stated my mortgage loan had been transferred effective XX/XX/XXXX and that a new servicer would be collecting payments. I was unaware of this when I submitted my payment for XX/XX/XXXX to my orginal servicer. I called the original company on XX/XX/XXXX because I noticed my check had not cleared and was told that it could be mailed back to me due to the transfer. I received 2 return fees from my bank on XX/XX/XXXX and XXXX for {$32.00} each subsequently because I pulled money from the account as I believed the check would be returned to me as was stated and I would write a new check for the amount due to the new servicer for XXXX and XXXX. 

When I called the new servicer Specialized Loan Servicing on XXXX to determine if they had the check they would not tell me if they attempted to cash the check twice that was addressed to XXXX XXXX. Further they were very hostile and threatened to put me into foreclosure. Additionally the supervisor said my loan was late although the transfer notice stated it would not be treated as late. I simply tried to figure out who attempted to cash the check between the two and I felt that I was in a game of not me which I feel is a violation of my rights as a consumer to be treated fairly and be provided information. I simply asked for a credit or refund of the fees and for my credit to be reflected accurately due to the failure of these two creditors to transition the loan in a timely manner. To date this check still has not been cashed nor returned to me and I would like to make this complaint regarding the bullying I endured and attempted scare tactics and request a check in the amount of {$65.00} be disbursed to me from Specialized Loan Servicing.  Thank you.
Product: Credit reporting

I want to thank you because the last complaint, I sent in regarding an account was corrected. Now I have XXXX accounts that are on my report that are reporting incorrectly. Also I want to point out that if they had investigated it would show reporting incorrectly. XXXX XXXX county child support account number XXXX it shows it was in collection in XXXX of last year. Now clearly this is a mistake that experian refuses to investigate, because if they did investigate it it would show it was paid and reporting incorrectly. Because it is taken out of my check every week and has for the last eighteen years. Here is another example of experian breaking the law. Also how can something be in collections for one month then the next month be okay does that mean it was paid at the end of the month? How can you be in collections for a month and not the next. If I were to make an assumption I would say that 's entirely wrong. The second account is XXXX XXXX account number XXXX ... Again another account this is not mine and they refuse to investigate because if they had they would see this is not mine just like XXXX and XXXX, its almost like they get off on reporting incorrect information
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX - XXXX 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 me 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 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. 


XXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7900.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a recent data breach and, as a result, several unauthorized accounts and inquiries have been placed on my credit report. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that all accounts and inquiries listed below, which are a direct result of the data breach, be blocked and deleted from my credit file. 
The following accounts have been fraudulently opened in my name : ACCOUNTS : XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX XXXX XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$2500.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$740.00} INQUIRIES : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit card

Previously had TD Business Checking and Credit Card Accounts from about XXXX to XXXX with my own LLC business. 

Went well for several years, but ultimately filed for XXXX XXXX  bankruptcy in XXXX, and TD Bank Business Credit Card was included. 

Now newly employed and with a steady paycheck, I applied for a Personal Credit Card with TD Bank last week. Yesterday I received a letter stating that I was not approved due to " DELINQUENT PAST OR PRESENT CREDIT OBLIGATIONS WITH TD BANK, NA ''. 

I called and asked exactly what this meant, and was informed that despite exercising my right to file for bankruptcy in good faith under the Consumer Credit Protection Act, TD Bank did not consider my past credit obligation discharged. I was again told that my application was denied. 

The federal Equal Credit Opportunity Act strictly prohibits creditors from discriminating against credit applicants on the basis of ( among other things... ) : " or because the applicant has in good faith exercised ANY right under the Consumer Credit Protection Act. '' Bankruptcy was a difficult decision, and I am not proud of that. However it is illegal for TD Bank to hold that against me and deny credit out of spite. 

In addition, while I hope to never have to go through that again, I am completely forbidden from filing bankruptcy again for three more years. I'm a safe-bet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX Balance : {$55.00} ; XXXX XXXX XXXXXXXX Balance : {$510.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$30.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX  XXXX Balance : {$520.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I do not consent to XXXX  verification and want an actual living human to read this complaint. I will have my invoice for damages and federal consumer violations attached below. Also, a marked-up consumer report showing the XXXX XXXX XXXX violation 's that EQUIFAX are furnishing with the accounts. Every marked/circle furnishing are violations of the Privacy Act of 1974, 15 USC 1681, 15 USC 1681e , 15 USC 1681b , 15 USC 1681n , 15 USC 1681a , 15 USC 6801, and 15 USC 6802 . There are well over a 100 federal consumer violations EQUIFAX is furnishing with the XXXX XXXX XXXX accounts on my consumer report. I fully intend to pursue arbitration or litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance in reference to me being violated by the XXXX XXXX XXXX reporting 's by EQUIFAX