23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have called 3 times now. In XXXX I used this card, paid it off in XXXX and closed it out because I didn't need it anymore. I received a statement in XXXX of XXXX saying I owed {$700.00} on a card that has a limit of {$400.00}. They CONSTANTLY harassed me by phone even after being called and asked to please stop. The second time I said I would just pay in 3 months if they quit. I paid {$280.00} for the 3 months in a row and now the balance is somehow back at {$500.00}, when I called to ask why he couldn't tell me other than I haven't paid. He told me I only made one payment in XXXX, then proceeded to say XXXX and XXXX but not XXXX which still doesn't make any sense and he just kept asking for proof even though I said I have my bank statement and he basically told me I need to prove my statement all the way from XXXX and I can't even pull that from online. Comenity Bank has stolen over {$1000.00} from me on a card that has a max of {$400.00} and I didn't even max it out when I did use it 3 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upstart reported 30 days late on a {$30.00} late fee. They took my regular payment on time out my bank account but reported {$30.00} fee. I asked them why would they take out my regular pay if I owed more, and report the fee. I uploaded XXXX and XXXX you can see they took normal pmt if I owed 30 more why not take that too. Then in XXXX my normal pet again was taken plus additional fee {$85.00} then they credited the {$30.00} to my account this is predatory. 

I don't agree with their decisions of being late.
Product: Credit reporting, credit repair services, or other personal consumer reports

{$15000.00} XX/XX/2020 ( around ) My Wife/I originally did business with this company and took out a personal loan, that I paid off in full. I never applied nor requested a second loan. 

My Spouse, later reapplied with the company, on her own. However, Lendingclub took It upon themselves to use previous loan information including me in the loan, without my consent, After we both contacted the company to tell them this was not the case, the person told us that it was too late the loan was funded in both of our names, every chance to correct the problem, was shot down.
Product: Student loan

For at least XXXX weeks, I have been unable to access my account. I have attempted to log in to my online account on several devices using different browsers, tried resetting password, and spent several hours on the phone trying to contact a service representative. I am concerned that I will not be able to make my next loan payment on time, because I am unable to access my account information. 

The problem has persisted for several weeks, but I only started tracking my contact attempts this week. Here is the list of the last few days. 

Login Attempt XXXX/XXXX/XXXX XXXX Service unavailable message Call ( XXXX ) XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Phone menu ; information not found Call ( XXXX ) XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX On hold for XXXX ; never XXXX through. 
XXXX XXXX XXXX/XXXX/XXXX XXXX - XXXX unavailable message Call ( XXXX ) XXXX XXXX/XXXX/XXXX XXXX XXXX Received busy signal. 
Login Attempt XXXX/XXXX/XXXX XXXX - Service unavailable message Call ( XXXX ) XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Phone menu ; XXXX & XXXX not found The message I receive online is, " We are sorry, the service you have requested is temporarily unavailable. Please try again later. '' This is not a wrong password ; I get a different message if the password is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has leaked my information in nation-wide data leak. I believe they improperly delayed the disclosure of the event. They neglected to take the proper cybersecurity precautions. I believe that they are technologically incompetent for the following reasons : 1 ) Lack of third party security audits 2 ) Creating a whole new domain with a completely different certificate authority signing it just to relay important information. This has prompted many fraudlent other domains with the words " equifax '' " XXXX '' and " security '' to be created that will no doubt be used to further defraud its customer base. 3 ) Equifax lacks the modern infrastructure to manage such a large amount of important data.
Additionally I believe they completely mismanaged the situation. XX/XX/XXXX they were alerted to the breach. They did n't even get their new domain signed ( SSL cert ) until XX/XX/XXXX. Why did it take them over a month to begin notifying users? Why did n't they immediately email or mail their affected customers? Why does it become the consumer 's responsibility to go check if they leaked our information?
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX AND 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 21 days before the payment due date. 

XXXX XXXX AND 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: Credit reporting, credit repair services, or other personal consumer reports

Capitol One has not contacted me to address their obligation to the costs I was forced to pay, the financial damages, the postponement of a remodel project that will result in a 50 % increase in materials and labor and financial freeze I was forced into to fight this malicious attack.
Product: Credit card

I have a credit card with first access visaand I've had it for a good minute my concern is I was charged a late fee ofA {$41.00} in the month of XXXX of XXXX and the month of XX/XX/XXXX I made my 2 payments on the day of which is the XXXX of the month I call to request to have those 2 41 late payments wave they put the request in and they only gave me a {$10.00} credit. I make my payments on time every month for years since I've had this card. On the payment website it does not state if you make a payment after XXXX XXXX it's going to be late.
Product: Mortgage

I have a XXXX with PNC bank as of XX/XX/2022 with a {$100000.00}. On XX/XX/XXXX, I had a closing call with XXXX XXXX # XXXX. During the recorded call, he used language that suggested I draw the full {$100000.00}. The benefit would be the money 'not collecting dust ' and being accessible to me sooner with the opening of an account. I asked him on several occasions what the interest rate would be on the full draw amount. He stated I would have a XXXX month introductory rate of XXXX XXXX ( even if I chose a fixed rate product ). 

Do to his wording, I chose to withdraw the full {$100000.00} instead of the {$5000.00} I initially decided upon. After closing, I received a monthly bill in the amount {$590.00} which did not reflect the XXXX XXXX ( {$270.00} payment ) rate he promised. I called customer service for several days and no one could help me even though the rate was ( and still is ) reflected on my account. I sent XXXX an email with my concerns. He agreed that he saw the rate of XXXX and would get back to me. He later said I did not qualify for the rate due to me locking the loan. I would have never taken the full amount or locked the rate if he were more honest and/or knowledgeable of PNC 's products and caveats. 

Once it was determined that I would have a payment of {$590.00} vs. {$270.00}, I contacted customer service on XX/XX/2022. I specifically asked the agent what my payment would be if I were to put {$77000.00} back into the account. She spoke with her manager and told me my monthly payment would be {$120.00}. I funded the account with the {$77000.00} due to her words. However, my account still reflects an expected payment of {$590.00} for the XX/XX/XXXX bill. 

PNC made several false and predatory statements to me involving this loan. If the bank 's employees were honest and/or knowledgeable, I would have made other decisions surrounding my choice of lock, lender and draw amount. 

These unfortunate misrepresentations have been daunting to me and my family 's financial well-being. I am asking that you please assist me with this complaint. I can provide snapshots and the calls were recorded. Thank you.
Product: Checking or savings account

I canceled my debit card with Suntrust because the card was lost or stolen. I was issued a new debit card with a new card number. I did not give out my new card number to XXXX. I decided that I no longer wanted to do business with XXXX. XXXX kept trying to charge without my consent but I ignored it because I had a new card number. To my dismay XXXX charged my new debit card. I did not give out the new card number. I called Suntrust and they said that Mastercard gives the merchants your new account numbers if the merchants are part of a program. I could not believe what I was hearing. I talked to a supervisor and they said they same thing. So my problem is Mastercard should not have to the right to hand out my debit card number to people without my consent or knowledge. That makes me feel that my money is not safe at all. Anyone can have access to your old card number and try to purchase something. Mastercard will allow Suntrust to let those charges go through that is what I was told.
Product: Credit reporting or other personal consumer reports

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with Calrity Services XXXX Please prioritize this matter for prompt action. I have tried to email them, at Clarity Services XXXX, a part of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX But I am not getting any response or completion of my request. 
"
Product: Credit reporting or other personal consumer reports

My account balance should be {$0.00}. According to my last statement, XX/XX/year>, my XXXX balance was {$0.00} and total minimum payment due is {$0.00}. Also the Interest charged was {$0.00}. My current balance should be {$0.00} and updated to good standing and not be a negative on my account.
Product: Checking or savings account

On XXXX, both a checking and savings account were closed at Ally Bank. According to the agent spoken over the phone to on XXXX, 2 separate checks were to be issued, one in the amount of {$8000.00} [ Savings ], another for {$61.00} [ Checking ]. A representative in charge of closing the account contacted me on XXXX and stated the accounts were officially closed and two checks were processed and sent out on said date. They implied that it would take from 5-10 business days to receive the checks. A few days later I went online to check the status of the checks since a virtual copy of the checks was made available online for record keeping. I noticed the statements had the correct mailing address on them, except the city was incorrect [ made out to XXXX, but it should have been XXXX ]. I called an agent to resolve the issue, they did notice the city was incorrect and stated that nothing could be done at the moment since the checks were sent out. They made a note on the account about it and advised me to call back a week later and check with them to see if the checks were sent back due to being undeliverable. I called as advised, spoke with an agent about the matter, but now the online statements for the checks made out on XXXX with the wrong city have mysteriously disappeared online and replaced with checks made out on XXXX with the correct city. The agent said that the checks were sent to the right address, but acknowledged that the city was wrong, yet again, but did not want to get into the old statements dated from XXXX mysteriously disappearing and being replaced. Now they have asked me to fill out some forms for lost checks and have them notarized. I have to pay for notarization on behalf of Ally Bank for a mistake they committed for not being diligent enough to set up the address with the correct city. This entire ordeal will cost me approximately {$25.00} to have all this paperwork notarized and sent out. It is not fair for me to have to pay for a mistake Ally Bank made. They should be held accountable and reissue the checks. Now, something that should have taken 5-10 business days to complete is now close to a month. This is completely unacceptable. I am sensing very shady business practices with this entire ordeal. Statements disappearing makes me raise an eyebrow. They are covering their tracks and making customers pay for mistakes they have done. They were fast to take my money when I opened the account, but now they are taking their time returning it to me. They are making me jumps through hoops and all sorts of nonsense. Unacceptable!
Product: Credit card

First week of XXXX I discovered several fraudulent charges on my card, I called the cc company, they told me they were going to investigate, about XXXX weeks later they refunded the charges, they closed that XXXX and sent me a new card with a new number, however a week later they closed that cc too.I received a letter the last week of XXXX saying a charge for XXXX was going to be refunded for the next billing cicle XXXX, so last month I paid the whole balance minus XXXX assuming for XXXX the balance would be XXXX, but I just checked the cc account and they have charged me an anual fee of XXXX, they say the XXXX charge was rebilled, why? the account is closed, they say it was charged before the account was closed, but the account was already under the suspicion of being used to commit fraud, why they approve the charge? Now the balance is XXXX dollars, I called the cc company spoke to XXXX people none of them can find a solution to this problem.
Product: Mortgage

My ex-landlord, XXXX is also an ex work peer and she is refusing to respond to a request for a VOR so that I can close on my mortgage. In spite of the fact that I never paid her late, she has threatened to report negatively and is purposely delaying completion of the VOR due to the fact that I refused to allow her to break our 6 month lease. She requested many times to break the lease and tried to intimidate, threaten and bully me over my refusal to break it. She is now jeopardizing the successful close of my transaction and my earnest money, appraisal fees, hoa condo doc fees, inspection fees, I have had to move my things into storage and find temporary housing all due to my refusal to let her break the 6 month lease because her boyfriend was constantly breaking up with her. I have proof that I paid her on time every month any time from the XXXX through the XXXX and she is also accusing me of never having paid on time. I need immediate assistance and am also having to retain an attorney now which is an additional expense. It is my understanding that in all real estate dealings, she should be operating in good faith as I have and can not threaten, harass, intimidate or retaliate against a tenant in any manner. On XXXX XXXX, my move out date, she also sent her fiancee to the rental to try to intimidate me. I have text messages from her that confirm my claims and apparently her previous tenant, XXXX XXXX was subjected to the same behavior. The lease was only from XXXX XXXX through XXXX XXXX and she asked me to move out no less than 4 times and I can prove at least XXXX of those times through texts and that I did actually attempt to accommodate her demand although I was not required to. The XXXX demand was on XXXX XXXX ; just over a month into the lease. She is definitely vindictively retaliating against me for not moving out per her demands. She had no cause to remove me and has never posted an eviction or claimed in writing or otherwise that she did not get her rent or I assure you, as desperate as she was to move back in, she would have filed an eviction notice. I desperately need assistance and I need to to provide an honest, accurate rental verification so that I can close. Thank you for your assistance. Please contact me at XXXX or XXXXXXXXXXXX or XXXXXXXXXXXX. XXXX XXXX is employed at American Financing LLC and her phone number is XXXX, work phone is XXXX. 
Please provide a portal access, fax or email address so that I can provide proof. Thank you. 
Thank you for your assistance. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I received a communication from a collection agency XXXX XXXX XXXX XXXX for a {$6800.00} XXXX XXXX XXXX Charge. Since my insurance company claims that I should only be billed {$650.00} for an emergency room visit - this amount being charged in the first place was astounding. I stated my surprise that this was in collections since I was talking with the hospital at the time as well as my insurance company as to what was going on. 

In XXXX a case with the XXXX California - State Fair Hearing for Covered California was opened and a response was issued that the hospital was charging on a cancelled insurance policy and not the current XXXX XXXX XXXX HMO plan. The resolution of this was handed down in XX/XX/XXXX that the triple charging of a XXXX XXXX XXXX HMO for XXXX and XXXX was cancelled as never effective. 

It was then the responsibility of the hospital to resubmit billing under the correct Plan. Which the hospital stated in a collection call to me in XXXX of XXXX. But they stated that instead they has sent it before their charitable fund committee and I was granted a reduction from the now {$7000.00} bill down to {$3500.00}. When I asked to make payment arrangements I was told that it had already been sent to collections and that I need to contact them if I could not pay the full {$3500.00} on demand. 

On XX/XX/XXXX - An attorney service XXXX XXXX wrote a formal dispute letter to XXXX XXXX XXXX XXXX on my behalf asking for immediate investigation of the facts and circumstances concerning the matter and a response of " at a minimum, immediate cessation of any further collection activity against this account and immediate deletion of any and all negative credit references against her. '' XXXX XXXX did not comply and continued to report on my Experian credit report of my delinquency on this account as of XX/XX/XXXX. 

When I contacted XXXX XXXX XXXX XXXX again, I was told that " Thank goodness I had called in when I did because my account was up for review to have my wages garnished. I then stated that under duress and payment under protest that I would start paying on this as the absolute refusal to comply with accurate medical billing practices and the threat of wages being taken that this was my only recourse while I continued to wait for the insurance company to respond. 

When I disputed this with Experian which was done inaccurately due to the letter from attorney 's sent. I tried to upload my documents which I kept being told that my request to upload, " We're sorry. We were unable to honor your request. '' and I was instructed to mail the documents in, which I did on XX/XX/XXXX. I received a response today from Experian that my dispute has been " resolved ''. Without receiving my additional documents and that I can not dispute this any further.
Product: Debt collection

In accordance with the Fair Credit Reporting Act, Portfolio Recovery Ass has violated my consumer rights. 
15 U.S.C 1681 Sec 602 A : States I have the right to Privacy.

15 U.S.C 1681 Sec 604 A. Sec 2 : Also states a consumer reporting agency can not furnish an account without my written consent. And i have no contract with this debt collector so how did they get my consent?

15 U.S.C 166b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 
15 U.S CODE 1692c ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
I have never given prior consent or have any contractual agreements with any of these creditors agreeing to buy, sell or report misleading representations of myself, the consumer. Please ensure this creditor and credit reporting agencies correct any and all errors relating to payment history, late payments, for I have never consented to any such terms of agreement. Provide Geo-Location for debt purchase, copy of original contract bearing signature and proof i agreed to deal with any third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my credit ran today XX/XX/2020 because I applied to XXXX XXXX Apartments and I did not qualify to rent an apartment because my report came back with a lot of accounts in negative standing. Before today I didn't even know that these accounts were on my credit because none of them are mine ; I did not open any of the accounts I listed on this report and I have never allowed anyone to open any credit card, loan or anything else in my name. I don't know who is responsible for all of these accounts but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payment towards any of these accounts. As for the companies that the accounts are coming from, I do not have any written/verbal contract with any of those companies nor am I affiliated to them in anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act, XXXX  the company CREDIT COLLECTION SERVICES located at XXXX XXXX XXXX XXXX, MA XXXX XXXX has violated my rights. 

As of XX/XX/2023 this was still reporting on my account 15 U.S.C 1681 Section 602 A States I have a right to privacy 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a written account without my instructions 15 U.S.C 166 B : A creditor may not treat a payment on a credit card account under a open end consumer account for credit plan as late for any reason
Product: Debt collection

the company is a debt buyer.XXXX XXXX in 2015 they purchased an account from XXXX XXXX. the account XXXX XXXX was fraudulently obtained by identity theft and the XXXX account has subsequently been removes from my credit report However XXXX XXXX Remains. I explained to XXXX XXXX i reported this to the ftc, multiple disputes with XXXX and XXXX only one dispute with XXXX  and it was removed with XXXX it still remains with XXXX and XXXX who agree the dispute is valid yet it still remains. If the originating account has been proved fraud and removed how is not the debt buyer of the fraudulent account. This is affecting every aspect of my life in a very bad way. It is unfair i feel as though they are strong-arming me. Again when the originating debt is proved fraudulent how is not this fraudulent as well.