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

I have paid my credit card with Citibank religiously for years via their online autopay option. This month, on the XXXX my payment did not hit. I thought maybe there was a delay with all the coronavirus confusion. On the XXXX I went online to find it was indeed registered as late. I had to pay *double my min due* which I can not afford right now and was charged a late fee. 

I called them to figure it out what happened - " we sent an updated terms and conditions in the mail ''. 
1 ) I never got a piece of mail from Citi 2 ) I opted for paperless ages ago anyway so I should get terms and conditions alerts electronically 3 ) Moreover, they did not have my permission to stop auto payments or any type of confirmation control in place to verify receipt of said terms and conditions 4 ) No one EVER reads those ... and they know it. 

I had to pay double my minimum payment due, and a late fee after only 5 days ... during a pandemic, homeschooling kids, trying to get by on one salary no less. I spoke to 4 managers and spent 1.5 hours on the phone when I was suppose to be home-schooling my kids. 

It is ~despicable~ that they would cancel my autopay without some type of confirmation process, give my 5 days to figure it out and offer no forgiveness or understanding during such trying times for people. What a scam! How many people didn't see their legal jargon snail-mail, or saw it and didn't read it, or saw it read it and didn't see the fine print. That's got to be millions in late fees and double payments when people are hurting the most. 

It seems to me it is intentional - knowing people we not be able to make their payments they're trying to cover their losses with dishonest late fees. It is deceitful and sneaky.
Product: Debt collection

I XXXX XXXX entered into an agreement with XXXX XXXX XXXX. I do not know who Tromberg Morris Poulin PLLC is. I never spoke to them or have never done any business with them. I do not know how they have my personal information. Tromberg morris poulin PLLC is trying to deceptively coerce me into making a payment on a " debt '' I do not owe. I have been harrased by them now and in the past. I will be making further separate complaints about the past incidents with them as well.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unfair Reporting and Failure to Adjust Credit Report Complaint Details : I am writing to file a complaint against XXXX XXXX XXXX regarding my account ( Account Number : XXXX ). I have had a negative experience with their handling of my credit report, particularly regarding two late payments that occurred due to financial hardship caused by the XXXX pandemic. 

In 2020, I experienced significant difficulties when I lost my job due to XXXX and was unable to work for XXXX weeks. This caused me to fall behind on several bills, including my account with XXXX XXXX XXXX. I explained my situation and requested that they remove the late payments from my credit report as a goodwill adjustment, given the exceptional circumstances. 

XXXX XXXX XXXX agreed to remove one of the late payments, but despite their promise, they have failed to remove the second late payment. They have since stated that they can not remove it because the XXXX pandemic is " over, '' which I believe is unfair and unjust given the circumstances I faced. The late payment in question occurred during a time when I was out of work and struggling financially. 

I am requesting that XXXX XXXX XXXX follow through on their promise to remove the second late payment from my credit report, as it was a direct result of the unprecedented impact of XXXX. I believe they should honor their initial agreement and make the appropriate goodwill adjustment to my credit report. 

Thank you for your assistance in resolving this matter. 

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

The following inquiries are fraudulent and unauthorized Please remove immediately : XXXX ( I called XXXX and tried to put in a dispute but nothing ever happened ) XXXX XXXX ( I never applied for mortgage or gave anyone permissible consent or reason to run my credit for mortgage ) XXXX XXXX ( I never applied for mortgage or gave anyone permissible consent or reason to run my credit for mortgage XXXX XXXX  ( I called to dispute the inquiries the agent on the phone hung up on me and was very rude ) ( Went into the Car dealer and salesman said they would run my credit for XXXX lender but they lied and ran my credit more than once without my consent or permission ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Transunion ( I called Transunion and the guy said he put in a dispute but inquiry is still there ) ( I didn't authorize this inquiry or give anyone permissible purpose or reason to run my credit ). 
XXXX XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX, I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Bank account or service

I opened a checking account with BMO Harris bank on XX/XX/XXXX. I opened this account in the XXXX XXXX, MN branch location. I brought with me a coupon for a promotion to open the account. The coupon and the bonus terms and conditions are attached to this file. The terms are that I will receive a {$200.00} bonus for opening a new account and setting up a recurring direct deposit of {$300.00} or more. The terms say that the bonus will be credited within 120 days. I contacted BMO Harris Bank and asked why my bonus was not credited. Initially, I was told it would be credited to my account within 10 business days. Later I was told that I did not meet the terms of the contract. I was told that I had an account open within the past year. This is not true. The most recent time I held an account, in any form, with BMO Harris, was XX/XX/XXXX. According to a BMO customer service representative, I closed that account on XX/XX/XXXX. The terms of the offer say : " Offer not available to existing BMO Harris personal checking account customers or those who have closed a BMO Harris personal checking account within the past 12 months of opening a new account as part of this promotion. '' Since I opened my new account on XXXX/XXXX/XXXX and closed my most recent previous account on XXXX/XXXX/XXXX, I did not have an account with BMO Harris for over a year, and during no part of 12 consecutive months. I have otherwise met the terms and conditions of this offer and as such, BMO Harris is in breach of contract. They have refused to credit the {$200.00} bonus to my new checking account after 120 days. I also feel that this is false advertising on the part of the bank, and has wasted some of my time and likely the time of its employees in researching this matter. I acted in good faith, met the terms of the offer, and expect the bank to hold up its end of the deal.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : EXPERIAN****** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 received several calls from  XXXX  at the end of  XXXX . I answered several times and there was silence or a hang-up. In late  XXXX  they called again. I answered and the party identified themselves as being from  LJ Ross  a debt collection firm. They asked me to identify myself which I did and they proceeded to tell me that there was a bill owing  XXXX  (  XXXX   )  from a house I had sold in PA for approxiametely  XXXX . I told them I was never notified about any owing amount and said I would call  XXXX  to verify. At no time did I receive any form of written communication either from  XXXX  or  LJ Ross . To my knowledge all bills were paid at closing of house sale. I called  XXXX  and indeed verified the debt and that  LJ Ross was their collection agency. I then called LJ Ross  and immediately paid the bill but they had reported it to credit bureau. I never received anything in writing to notify me of their legitimacy or the debts legitimacy or dispute it. They had my current address on file and  XXXX  had my email address on file. Totally inappropriate action on their part and quite disturbing. Not to mention inappropriate reporting to credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, credit bureaus did not provide any proof of evidence..CFPB please delete the accounts  XXXX XXXX XXXX****, XXXX   XXXX****, XXXX XXXX  (Original Creditor: XXXX XXXX) XXXX**, XXXX    (Original Creditor: XXXX XXXX XXXX) XXXX****, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX) XXXX**, XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX) XXXX****, XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX) XXXX**** , XXXX XXXX XXXX  (Original Creditor: SXXXX XXXX XXXX XXXX XXXX XXXX) XXXX****, XXXX XXXX  (Original Creditor: XXXX XXXX) XXXX****
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXXXXXX XXXX that indicated the illegality in reporting in accurate information and reporting late payments as delinquencies that are actually transactions. 

XXXXXXXX XXXX  has reported 3 accounts to the XXXX bureaus. Initially all 3 account numbers were listed as XXXX .... 

I first pointed the inaccuracies out to XXXX and TransUnion, but instead of removing the two derogatory accounts and posting the goodstanding account, XXXXXXXX XXXX was afforded the opportunity to correct and update the information. 

The accounts changed to XXXX and XXXX. 

XXXX is the account number for the derogatory account and the account that I worked hard to pay for 3 years prior. 

When I pointed out the illegality of the late payments being reported because they were actually transactions, I asked XXXX XXXX to reverse the late payments to OK or paid as agreed. 

XXXXXXXX XXXX decided to delete the goodstanding account as retaliation instead of deleting or investigating the derogatory entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit reporting act XXXX  XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX XXXX, BANK XXXX XXXX XXXX account Number XXXXXXXX XXXX XXXX XXXX account Number XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Prepaid card

In late XXXXXXXX XXXX XXXX, I received some back pay from the XXXX XXXX Department and within a few days I noticed that there were several XXXX XXXX transactions totaling {$2300.00} that were withdrawn from my BANK OF AMERICA pre paid card account. Immediately after realizing that I had been robbed and that there was money taken from my account without my knowledge or consent, I contacted Bank of America claims dept and filed a report ( XX/XX/2023 ) .On top of the inconvenience this has caused me and my family, i have been very patient and calm throughout this whole " investigation '' that has been going on for 4 months now with no resolution. I have personally went into the Bank of America branch near my house and have faxed them the necessary documents and paperwork they have asked for to help resolve my claim and have my money returned to me in a timely matter. Included in those faxes were a COPY OF THE POLICE REPORT I made along with an IDENTITY THEFT AFFIDAVIT I filled with IRS. Furthermore, I faxed them a copy of an email I received from XXXX XXXX that stated they were closing an account with my name on it due to fraudulent activity and suspicious transactions. I have called every day for 4 months trying to find out were my money went to and when they were going to replace the funds but I'm still here waiting for a resolution and feedback is to WHERE AND WHO took my money. Very stressful and unhealthy for me to be going through this when I need to money to buy my prescriptions and other mandatory health medication.
Product: Prepaid card

XX/XX/year>, I called Chime to have XXXX XXXX blocked, and it was successfully blocked by a supervisor. She did advise me that it can be blocked both ways, checking and through your debit card. I asked are you sure she said " yes, they will not be able to debit from my checking or debit ''. All calls were recorded to be assured that this was what was explained to me. To the best of my knowledge I believe I requested a new debit card. Over the months I have been receiving messages from Chime advising me that XXXX XXXX was declined because of their blocked on my account for debiting. Now, today XX/XX/year>, Chime pay a transaction on the account for {$180.00} which I have previously had blocked. Spoke to a supervisor XXXX, today he advised me there was nothing that they can help me with and disconnected the call. This is beginning to be in continuous problem with this XXXX XXXX XXXX XXXX  They do not follow federal guidelines, nor not stop any requests necessary and all disputes are denied. Also, I transferred {$8.00} to the wrong person back on XX/XX/year>. I reached out to the person locating her through XXXX. I advised her that I sent a transfer to the wrong person she acknowledged that she did receive it and how did I know who she was. I told her because I got the name from chime and that's how I reached out to her. I sent over messages with me conversations I had woth XXXX XXXX about the transaction. I reached out to chime sent in the information over through email and they still denied my dispute claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received information on line about the Equifax Data Breach and the consumer information from FTC Commission Consumer Information where it was outlined to go to the Equifax site to request a one-year free monitoring and other services to protect us from the breach. We filled out the request on line and tried to submit it and got a site error instead so it was not possible to sign up. We also understand that Equifax can charge a fee to put a security freeze on our account if we try that. This is preposterous since we are in this situation for something Equifax did.
Product: Mortgage

I applied to this mortgage company because they say closing the gap. Helping XXXX  own properties after turning all documentation requested. I called the phone 3 to 4 times before receiving a disturbing call stating who is this and why did you call this number. Oddly I was speaking a representative from legacy home loan but couldnt have known that if she did not address herself. After that disrespectful correspondence I received and apology and tried to complete the loan. But the representative was upset as anyone would for my complaint and return stated I was ( disrespectful ) and the company closed my loan? As my professionalism isnt a part of apply for any loans.
Product: Credit card

I placed an order for a XXXX in early XXXX. I got XXXX confirmations for XXXX XXXX. I immediately called XXXX and told them about it and they said there was nothing they could do. I told them I do n't want anything from them then and to cancel my order. They sent XXXX XXXX and I refused delivery of all XXXX. Then they charged a month of service for a hotspot. Household Bank ( HB ) eventually refunded the XXXX hot spot charges but not the month of service until I agreed to cancel my current credit card and let them send me a new XXXX. I agreed to do that and after I got the new credit card and cancelled the old XXXX, they would not refund the bogus {$52.00}. service charge. I tried for month to get them to make it right but they would n't. I was still haggling with HB when Capital One bought out Household Bank and I had to dispute it with Capital One. They saw it was bogus and said it was refunded on my card, which it was. That was the only reason I used Capital One 's card. Otherwise I would have closed that account for getting bad service. I had no idea Capital One did n't keep their promise until I started looking for a mortgage and was told they reported a XXXX day slow pay negative report on my XXXX credit reports. 
The other issue I have from Capital One is I filed bankruptcy XXXX XXXX, XXXX due to attorney 's fees from a divorce and received a discharge in XXXX, XXXX. Capital One was XXXX of the creditors in the discharge. I also learned at the same time, they reported this as a write-off in XXXX, which is also not true. Enclosed is a copy of the discharge and Capital One is XXXX it. 
I have disputed this with Capital One several times and they just mess me around. I then disputed it with the XXXX credit bureaus and they " investigated '' it and they said they could n't do anything unless Capital One changed it. Now I am seeking assistance from the Consumer Financial Protection Bureau because of CaptialOne 's vindictiveness. Please process these complaints and have Capital One report accurately and have the XXXX credit bureaus amend their credit reports to reflect the newly corrected information. 
As you may see from the XXXX pages of documents, I have been trying for some time to get this resolved. Capital One has sent contradicting letters in the same day and not followed through with what they said they were going to do. The times I have spoken with them on the phone they have said misleading statements and done differently than they promised. 
When I speak with the credit bureaus, they say they wo n't do something unless Capital One changes it. 
Please process this complaint and have it corrected. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed an inquiry dispute letter to Transunion but Transunion did not investigate the disputed inquiries listed on my dispute letter. Instead, Transunion sent me a letter explaining what inquiries are. Transunion is being negligent and malpractice because they are breaking laws set to protect consumers under the Fair Credit Reporting Act.
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : ( Original Creditor : Medical ) XXXX - Balance : {$25.00} ( Original Creditor : Medical ) XXXX - Balance : {$25.00} ( Original Creditor : Medical ) XXXX - Balance : {$25.00}
Product: Credit reporting or other personal consumer reports

2 Reasons for dispute : This account appears to be a medical bill, and I believe its inclusion on my credit report is in violation of both the Fair Credit Reporting Act ( FCRA ) and the Health Insurance Portability and Accountability Act ( HIPAA ).

I am disputing the validity of this third-party collection account as it is unauthorized. I have not entered into any agreement with this company nor given them permission to access or report my personal information. Under the Fair Credit Reporting Act ( FCRA ), I request the medical third party account be removed.
Product: Money transfer, virtual currency, or money service

I placed an order from a website for an electronic, robot operated litter box. I never received shipping confirmation or tracking information and when I went back to the website it had completely vanished. I opened a dispute with PayPal since the payment was made via their services. PayPal then " closed '' my dispute because the " seller provided tracking information '' Upon reviewing the tracking information I found that a ) the package was supposedly delivered at a time when I was home. There was no knock, no postal delivery person and no package. The tracking information also said that the item was shipped via " parcel select lightweight '' which only covers very lightweight mail and packages. This litterbox would weigh in excess of 25 lbs and there is absolutely no way that it could be shipped via this method.
Product: Credit card or prepaid card

Last year I purchased a new Heater through XXXX  XXXX  and they were offering financing through SYNCHRONY Financial. When I received my 1st statement I noticed a {$29.00} activation fee which the XXXX Sales person never told me about and I never even talked to Synchrony he entered all my information on his XXXX for approval. 

When I emailed Synchrony they never really addressed the issue.