23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I have a home improvement loan with this company since XXXX XXXX, 2015 and this is a interest free loan for 18 months. This was approved by XXXX XXXX. 
I am suppose to pay BB & T {$250.00} per month for 18 months. 
This amount is suppose to be applied to my principal. After 18 months I pay the remaining balance. 
I have been paying {$250.00} for the last one year. BB & T has been sending me statements stating that only {$9.00} go towards the principal and the rest {$190.00} goes towards the interest. 
I have contacted the company in reference to this issue many times and they state that they can not do anything. 
This is the way the statements are printed. 
On XXXX XXXX I spoke with the manager ( XXXX XXXX ) and she promised that she will investigate it and call me back. It has been a month and I have not received any response yet. 
I had notified the sales rep from the contracting company ( XXXX XXXX ) who had offered me financing through BB & T home improvement. 
I had notified the accounts payable manager and told her that the consumer should have a clear statement of what the client has paid and what they owe at the end of the term. 
This is unacceptable. 
The contractor was notified that they should not use this company anymore in order to sell their product.
Product: Credit reporting or other personal consumer reports

I currently have Bankruptcy that is reporting on my credit and has been for a while. A XXXX XXXX and a XXXX  XXXX. I have been disputing for almost a year and has had no results. It keeps coming back verified with no proof that it is mine. I have had XXXX XXXX dispute this information With No results from that as well Because they claim it is where they are getting the information from But there is NO Bankruotcy on my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The car dealership Flagstar and XXXX are showing up as an inquiry on my credit report as I didn't authorize anyone to pull my report nor did I apply for any loans. I have contacted them on several occasions and no one has been of any assistance to have this removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has violated my privacy and illegally viewed and/or used my private data through the XXXX. XXXX XXXXXXXX without my permission. I feel violated by the U.S. Government Agency, DOGE, who knows what they'll use that data for or where it has gone already.
Product: Mortgage

Today ( XX/XX/XXXX ) I received a XXXX Envelope from Citi Mortgage which clearly attempts to raise doubts/worries for the consumer ( me ) to get me to apply for a Home Affordable Modification Program, including a request for a copy of my tax return ( form XXXX ). The XXXX page of this package refers to this as an " Urgent Notice '' with " All REQUIRED documents being due XX/XX/XXXX '' and implies that it is needed so I can " avoid foreclosure ''. Since I am on auto-pay to Citi for my mortgage, and am up to date on payments, I found these scary tactics completely unwarranted and clearly falling into the category of deceptive business practices. My current loan balance is in fact for less than XXXX of the current property value for which I have a Citi loan, and if needed, I could pay off the loan in full from my retirement savings. Also my mortgage with them is a long-standing loan and I SHOULD be in good standing with Citi Mortgage. Note that this is the XXXX time in the last year that my experience with Citi 's business practices could be characterized as not befitting a major lending institution. This makes me wonder why in the world we taxpayers have bailed out businesses that continue to operate near the margins of legality. Pleas note that your categories for multiple choice items are limited, and so my ability to pay is not at issue ; what is at issue is Citi Mortgage implying/suggesting that there is a problem with my ability to pay.
Product: Checking or savings account

I sent {$990.00} to move into this house and the landlord stopped calling me and I was supposed to move in XX/XX/year>
Product: Mortgage

In XX/XX/2019 we purchased a home. Shortly after the time of purchase we provided a letter of tax exemption to the mortgage company as well as the county, school and township. My husband is a XXXX Veteran and receives 100 % tax deduction granted per the VA. We are were aware that until everyone was notified that we would have to pay the taxes on the property. After a few months we called Caliber Mortgage and reminded them of the tax exemption and that we were awaiting the return of tax money paid on the property. Since then we have called at least once a month. Each time the response is they have to do a 21 day escrow analysis in order to see if the money should be returned to us. Caliber Mortgage has also made an attempt to pay the county taxes even after being notified of the tax exemption. The county has since stated they are returning the funds to Caliber Mortgage. Yet Caliber mortgage still says we have to wait for yet another 21 day analysis to return any funds. We have been paying our mortgage on time monthly which includes taxes that we are exempt from without fail. We would like our refund and to no longer be billed for the taxes on the property.
Product: Credit card or prepaid card

I pay all my credit balances electronically from my account with XXXX. Payment paid electronically to credit card companies have always been credited to my credit card account same day payments are paid/received ( value date of electronic payments ). 

Only Synchrony credits my credit card account 3-5 days after date of such electronic payment is receipt. As a result, my account receives late fee of {$27.00} plus interest on the late payment. 

To be specific, XXXX paid my credit card balance electronically value XX/XX/2019. 
Credit card payment was due on XX/XX/2019. 
Synchrony bank applied my payment to my account on XX/XX/2019 and charged me late fee and interest. This doesn't happen with any other credit card banks. 
Synchrony bank should apply any amount received to customer 's accounts with them same day as they have been electronically received. 
I'm quite sure Synchrony bank does such practice with all customers, ending up collecting unfair late fees and interests from its customers.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1692g ( Validation of debts ) and 15 U.S. Code 1681s2 ( Responsibilities of furnishers of information to consumer reporting agencies ), all information reported on my credit report must be accurate, complete, and verifiable. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( Treatment of inaccurate or unverifiable information ), any inaccurate or unverifiable information must be corrected or deleted from my credit file, and 15 U.S. Code 1681e - Compliance procedures. 
The specific inaccuracies I have identified include : 1. Account Number Discrepancy : The account number appears as XXXX on XXXX XXXX while it appears differently on other credit reports. 
2. Account Status : The account status is inconsistent ; on one report, it says " Paid, '' while on another, it says " Closed. '' 3. Date Opened : The " Date Opened '' reported is inconsistent with other information. 
4. Payment History : The payment history reported does not match the actual account history.

Given these inaccuracies, I am requesting a thorough investigation into this matter and demand that all erroneous information be corrected or removed. I expect written confirmation of the resolution within 30-45 days of receiving this letter. 
Please be aware that if my request is not addressed within the stipulated time frame, I am prepared to take legal action to seek damages. As per the FCRA, I am entitled to claim {$1000.00} in damages for each inaccuracy on my credit report. 

XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These acts have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a XXXX XXXX union account with all three credit report agencies. I keep telling them that the account is negatively affecting my credit and should be removed from my credit report because it is over 7 years old. The amount of time that a negative items remains on your credit report is 7 years but they just verified with XXXX XXXX XXXX that the account is valid then closes out the dispute. When what should do is look at the date on the account to see if it should be cleared from my credit report due to age not validity of the account. It needs to be removed because it was charged off over 7 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights 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 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 an account without my written instructions
Product: Credit card or prepaid card

My request via telephone to Citi Cards was for a replacement card due to wear and tear. 

After three separate calls ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), I never receiving my replacement card - a representative on XX/XX/XXXX cancelled my account without my knowledge in order to send me a card. 

I was very uncomfortable with the way the phone agent handled the call and I called back to get the tracking number for the expedited replacement card. While going through the prompts, and entering my card number the recording replied " you entered your old card number ''. This was unexpected, however due to other commitments, I decided to call back the next day XX/XX/XXXX. 

Around XXXX I visited a retail establishment, the card was declined twice for {$12.00}. Immediately, I called XXXX XXXX - the representative relayed " your account was closed and new cards were issued ''. This upset me as I have several fiscal matters of my XXXX member family tied to this card. 

After speaking with 6 phone agents on today, I had to push for compensation or miles to get some satisfaction. The 3rd agent offered XXXX miles - which was not fair in my opinion since they did not offer anything for their gross error. The second offer was XXXX miles. I was annoyed because he said XXXX miles at first but changed his statement. I can't go anywhere on XXXX miles and told him, if XXXX XXXX makes an error with my seating or other inconvenience XXXX miles is the lowest I have received. 

The last rep by the name of XXXX was a stone wall robotic figure who did seem to care about both a husband and a wife on the phone asking for our Annual fee on the card to be compensated or XXXX miles. He stood by XXXX and did not care less of all of the undoing and manual contacts my husband and I have to make to remove the old card number and add the new one. 

XXXX, XXXX and XXXX offered to make an internal complaint of XXXX the culprit who made the error on XX/XX/XXXX and XXXX the Supervisor who blatantly lied to me about getting the card send XXXX this morning around XXXX. 

The same error escalated into a calamity which Citi Cards will not own. 
I want XXXX miles and compensation of the annual fee. This is the least Citi Cards can do for all of the trouble XXXX caused by misrepresenting me when he checked off the boxes that he advised me my account would be closed when he did NOT. 

XXXX XXXX needs to make this error right without delay.
Product: Debt collection

This company is reporting on my credit report that money is owed to them but I never received a letter to dispute debt.
Product: Checking or savings account

I filed a complaint with Credit Karma on XX/XX/XXXX about numerous transactions that were done using my debit card. I had been admitted to XXXX XXXX earlier in XXXX  and was still an XXXX  there until XX/XX/XXXX. The person who took my card made many transaction. Credit Karma approved the smallest claims however when it came to these transactions 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 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  They refused to refund my money even though it was physically impossible for me to make these transactions while I was laying in a XXXX XXXX I have emailed and called Credit Karma numerous times and they will not get respond to me. The refuse to give me my money back even though I have even sent them supporting documentation that I was XXXX XXXX XXXX XXXX during the times of these transactions. I just want my money back and at this point money for stress and damages due to the fact that I collect XXXX and this is the only money I get a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of 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 afte the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

XXXX XXXX XXXX Account # XXXX Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.

NO CONSENT IS IDENTITY THEFT.

As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

This morning I checked my credit report with Experian and XXXX XXXX XXXX is still showing on my credit report. They show a balance of {$11000.00} and this is old information dating back to XXXX. I see that the account # they use is XXXX. And the date they reported was XX/XX/XXXX. 
The date is wrong for when the vehicle was purchased and the car was wrecked totally and was not able to be salvaged. GAP insurance paid XXXX along time ago ; so all information is incorrect.
Product: Debt collection

XX/XX/XXXX logged onto il state website to make payment plan and tried to use letter code to plugin to the system. Received message that it was not valid. 
Date of XXXX XXXX XXXX, XXXX Letter ID - XXXX Popup on screen indicated that the letter could not be more than 90 days old to be valid, allowing me an additional 13 days before expiry. 

The first thing I did was to fill out and send a payment plan with installment down payment of {$100.00} paid {$100.00}. ACH through my bank. 

XX/XX/XXXX at XXXX XXXX  central I made ACH payment request Confirmation number : XXXX  Email Address : XXXX Request Type : XXXX Payment XXXX XXXX XXXX XXXX Amount of Request : {$1100.00} Reporting Period XX/XX/XXXX Date of Debit XX/XX/XXXX My confirmation letter states : If you would like to withdraw payment before it is processed by the Demartment, you may do so using the confirmation and email address listed below. 
XXXX XXXX On Tuesday XX/XX/XXXX, XXXX XXXX I spoke with XXXX XXXX and he explained I could pay the bill in installments that week on the website. He advised me not to overpay and confirmed I could withdraw the ACH request during business hours up to Wednesday, XX/XX/XXXX by calling them as the above mentioned letter stated. He said yes. it could be withdrawn the day before on XXXX XXXX. Informed me that the total amt. Owed is {$1300.00} with updated penalties. 

Single comprehensive list of payments made to state of Illinois XX/XX/XXXX EDI payment ACH Debit {$100.00} XXXX mentioned previously XXXX-withdraw date scheduled for XX/XX/XXXX {$1100.00} ( mentioned previously ) Confirmation ftfxmk still could be allowably withdrawn XX/XX/XXXX {$600.00}. Value Payment systems Confirmation # XXXX XXXX am XXXX XXXX XXXX XXXX {$100.00}. Value Payment systems Confirmation # XXXX at XXXX XXXX XXXX XX/XX/XXXX {$350.00}. Value Payment Systems Confirmation # XXXX at XXXX XXXX 
XX/XX/XXXX {$350.00}. Value Payment Systems Confirmation # XXXX at XXXX XXXX 
Total Payments = XXXX Total Owed = XXXX Overpayment=XXXX XX/XX/XXXX I contacted XXXX ( No last name provided ) at XXXX XXXX to withdraw the ACH request of ftfxmk, per the instructions on the letter. XXXX stated it could not be withdrawn because the state had already processed it ( though it was a day earlier than requested. ) I asked him how I would receive the balance of over payment and he told me the funds would be sent to me in a check. No check has arrived nor any information about the time I would receive one to date as of XX/XX/XXXX XX/XX/XXXX I received a letter from a collection agency Harris & Harris stating I owe them {$1300.00} Letter and postmark backdated XXXX XX/XX/XXXX. Harris & Harris is located approximately 9 miles in city center XXXX. In worst case scenario a letter would not take that long to arrive if properly dated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the night of XX/XX/XXXX I paid the full balance of {$190.00} on my CapitalOne credit card. I put the card up and did not use it because I am in the middle of buying a house. 
I did not receive any bank statements for the month of XXXX, XXXX, or XXXX but didn't think anything of it because like I said, the balance was paid in full and I had not used it. 
I found out through my loan originator that I have a past due payment showing on my credit report. 
I checked CapitalOne and saw that after I paid my balance in full on the night of the XXXX they posted a charge for {$3.00}. It was a charge from XX/XX/XXXX. 
I spoke to them and they waived the fee 's but that is not good enough, they will not remove the late payments from my account and take them off of my credit report. 
I am signed up to receive stuff in the mail and did not receive anything until the month of XXXX, which was showing me I owed {$24.00} because of the late fee 's that were racked up over the course of the 3 months that I did not receive a statement. 
I have spoken with numerous agents and supervisors and they are not resolving this problem that they have created.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed ChapXXXX XXXX 16- it was discharged XXXX-16.XXXX & XXXX   reported correctly-discharged XXXX-16. I phoned Equifax & a Supervisor said " we will not report your discharge- we'll show you are still in ChapXXXX for the next 10 years "! I'm buying a car from a Dealer & received a letter saying " your Application is denied due to a negative Equifax report showing you're still in ChapXXXX. " I need them to report my status correctly as are XXXX & XXXX. U.S. Bankruptcy Court, XXXX, NC Case XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft I made a report my identity continues to be used in opening fraudulent accounts and making hard inquiries. These accounts are now affecting my credit report and Ive been trying to get them removed. I was advised by the credit bureau to fill this form out to have the accounts updated and removed from my credit filed due to identity theft. 

XXXX XXXX XXXX police report Report number XXXX The following was provided to me today by XXXX Capital one bank USA NA account number XXXX {$2300.00} Capital one XXXX {$4800.00} Capital one XXXX $ XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$14000.00} XXXXXXXX XXXX XXXXXXXX {$3900.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5400.00}
Product: Mortgage

Loan # XXXX Servicer - Roundpoint Mortgage Servicer We have constantly been on time with our payments. The mortgage is for my elderly mother My mother is a senior with XXXX, including XXXX, and lives on a fixed income. She has been an exemplary homeowner who has never missed a payment, and she has always made every effort to stay current with her mortgage obligations. Recently, due to fraud, she changed her account number online. According to Roundpoint, the there was an additional number inputted which resulted in the payment being returned. I logged in and reinputted the checking account number as I could not see what was previously inputted. Prior to doing this, my mother kept trying to make payments unsuccessfully online. Upon my reinputting the checking account number the payment was made, however, we are still being charged a late fee. Please note we less than 30 days late and it was the first time something as such happened.. I am struggling to understand why my mother is being penalized for something that was quickly corrected. Furthermore, as a XXXX senior on a limited income, this fee is an undue hardship, especially when she has never missed a payment and has a long history of being a responsible homeowner. Roundpoint is not willing to reverse the approximate {$78.00} dollar fee. My mother is on limited income its hurting her. We are not egregiously late or have we ever had a problem with payment. Its been extremely frustrating and hard trying to communicate with them. We need help, XXXX seniors should not be discriminated against or face undue hardship in situations like this. Please note, I am also on the mortgage. Thanks for your help.
Product: Credit reporting or other personal consumer reports

this company took on a debt from a company that I NEVER used. They sent transactions that are in another state over a course of time, that does NOT match my address. A credit card was never mailed to me, I never applied for such. I'd already reported fraud on my credit profiles after being alerted that my information was listed on the dark web, I also reported as soon as I noticed incorrect activity and this company is trying to make money off of a victim! I am already dealing with a security breach lawsuit with XXXX XXXX, I do not want to deal with this fraud profile, but I will. Remove this from my credit report NOW!