23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account with FLORIDA XXXX XXXX, XXXX XXXX AND XXXX XXXXXXXX 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. 

FLORIDA XXXX XXXX, XXXXXXXX XXXX AND XXXX XXXXXXXX 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: Payday loan, title loan, or personal loan

On XX/XX/XXXX, the state of Illinois shut down due to covid. I work two jobs, both of which were affected. Originally, the quarantine was to be 2 weeks. Unfortunately it was extended many months. This affected my ability to pay the last installment of this loan. I contacted the lender requesting a deferment. The lender advised me that a deferment was not available to me as this was my last payment. However, a deferment was available to other borrowers. This is absolute unfair practice. My payment history was perfect until this last payment. This lender 's policy caused my credit to be affected. Covid was beyond my control. I feel this company is predatory. The CARES act requires lenders to report current when accommodations are made. In order to practice fairly, customers with one payment left should not be discriminated against. We were all affected by this pandemic.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} FST XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX  Balance Owed : {$720.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I want to put a security freeze on the corelogic report and to opt out of sharing my information with third parties. Corelogic will not let me do so online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Transunion numerous letters from SC Bankruptcy XXXX to remove Bankruptcy in eeror because the courts made a mistake of mistaken identity Transunion have received letters about the bankruptcy in my name that was wrong. Transunion never removed Bankrupts and didnt care to remove it i have called numerous times and was talk to very disrespectful
Product: Credit reporting, credit repair services, or other personal consumer reports

since XX/XX/2022 I have been disputing a medical account XXXX XXXX XXXX with Experian. I have also sent XXXX XXXX XXXX XXXX a debt validation request to there headquarters address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX on the same day XX/XX/2022 tracking number XXXX and XXXX XXXX XXXX received my request XX/XX/XXXX XXXX it is now XX/XX/2022 and I have yet to receive any validation in regards to my validation request from medical data systems. since my initial dispute experian has been updating and verifying this account with the company even tho I have not received any information from the company. I put experian on notice that I had never signed a XXXX release form with the alleged creditor and that hipaa laws help protect my private medical information from being used without my consent. such notice is a warning to experian that not only is the company in XXXX and FDCPA violation but experian is also in FCRA violation by continuing to report the alleged item without any validation proof. I have sent experian XXXX letters in regards to this account and they refuse to delete the inaccurate item from my file. I do not believe experian is practicing proper FCRA compliance procedures and that they are willfully continuing to report a item on my consumer file with knowledge that this item should not be reporting at all for violating my right to privacy. there are blatant inaccuracies with all consumer reporting agencies. attached are all my letters sent to experian and all my results that were provided to me as well as proof medical data systems is not abiding by the FDCPA. in addition, I have also attached proof of why I believe experian is not following reasonable and thorough proper investigative procedures. XXXX XXXX XXXX has previously submitted on of my disputes XX/XX/2022, and had completed and updated there investigation XX/XX/2022, please help me understand how experian can complete a entire investigation in 2 days with the debt collector but I cant get a response from the company for the life of me even when I have proof the company received my validation request.
Product: Mortgage

Bankruptcy final XX/XX/XXXX, at that point, was not including the home. We never did reaffirm the debt with CitiMortgage. After MANY months of trying to work out a payment arrangement with CitiMortgage, filling out the same paperwork multiple times, sending and having to resend requested paperwork to them multiple times and getting nowhere we decided to give up and let the foreclosure take place. Sheriffs auction was XXXX XXXX and Confirmation of sale was XXXX XXXX. Beginning XXXX XXXX we started receiving Statements from Citi, when I called CitiMortgage they informed me that we still had a mortgage on file with them. So I called their attorney XXXX and inquired with them, and they told me they show it as final that we no longer have a mortgage with Citi, I had to take it up with Citi. In the meantime I received paperwork from Foremost Insurance telling me I need to take out Hazard Insurance on this home, which may I add I no longer own according to CitiMortgage attorney XXXX, and if I do not do so they will get Insurance for me. So I contacted my attorney. When I spoke with him, he informed me that technically the home was discharged in the Bankruptcy because we never reaffirmed the loan. Today, XXXX/XXXX/XXXX, I received a XXXX Form from CitiMortgage for XXXX taxes. Im not sure what our next steps need to be as I am waiting to hear from our attorney used for bankruptcy.
Product: Debt collection

In XXXX of XXXX, an attempt to serve papers on me was made at a prior address. My prior landlord did not have an address or current phone # for me, but signed for the papers and then tried to locate me which he eventually did. He forwarded those papers to me at that point. They were papers alleging that I owed a company called " CashNetUSA '' a sum of {$4000.00} plus court costs. I have NEVER borrowed a sum of money anywhere in the {$1000.00} + plus range. I believe that it could be possible that I might possibly have done a small " payday '' loan with this company when I lived in XXXX Al which would have been PRIOR to XXXX. I can't say for sure. If so, it was in an amount under {$500.00} which I would have paid back. Although I can find no record of such, I do believe that I was contacted via telephone in the late XXXX by individuals claiming to be from CashNetUSA. I felt it was a scam. They had foreign accents and were pressuring me and I refused to do business with them. I did NOT borrow any money from them and did not hear anything further from them after that point. I was living in Montana at the time. I have never received any " reminder '' notices or other correspondence regarding owing any money to " CashNetUSA ''. There is no record of a debt owed to them anywhere on a Credit Bureau Statement from all XXXX major Credit Bureaus. I have studied my credit report in depth and have discovered XXXX addresses and XXXX phone number that have NEVER been mine. They are : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX also located a phone # in the XXXX? : XXXX This number appears to be a " mixed up '' version of my current phone #? 

So ... this is where I stand with this.
Product: Student loan

on   XXXX   XXXX  2017    I first spoke with customer service person once again I was not read any mini  XXXX . He was extremely rude and argumentative. in the background I hear d two other  women speaking about another account when I finally asked for a supervisor. He kept saying that I filled out the paperwork wrong when I try to explain that they 've been corrected he wanted to continue to argue with me. When I asked a supervisor they gave me a team lead. I wanted to speak with supervisor I was on hold for abou t five min utes never received a supervisor said I would speak with somebody higher up than the supervisor still was not given that courtesy to speak with supervisor. Did agreed to speak with the team lead. I was asking about the discretionary income clause that President Obama set up for Student Loan 's and was totally ignored they were still basing things on gross income and poverty level which had nothing to do with what I was applying and for was not helpful with me at all that perhaps maybe I was even filling out the wrong repayment option and finally offered me the forbearance for a year. I felt I had no choice but to apply for forbearance I wanted to pay on my student loan and continue making payments When I read their response my first complaint nobody told me anything about my application being approved or was given y amount of {$150.00} and matter fact i was told it would be more than I was currently set up with because of some overtime. I could not afford present payment. There is so much inconsistency as to what they 're doing that I feel that my loans and not being handled incorrectly. They are not helping. I am strongly considering hiring an attorney for these actions that have been taken b y Nelnet. I happ en to have a medical condition that I could easily try to apply for  disability  and perhaps even receive full disability I choose to work, I choose to pay my student loan back but these people were n't interested in that at all What they have chosen is to charge me more interest on this loan while during this forbearance. Because they would not even go over different options with me on repayment and discuss discretionary income which is very different than gross income which t hey did not seem to understand. I have contacted now nelnet in the last six week s twice and I 've been treated very rudely, not helpful, not company doing there job. At this point I would prefer to only speak with the supervisor and when I mean supervisor I do not mean a team lead an account  manager  or customer service person. I am looking into hiring an attorney to file lawsuit against nelnet.
Product: Checking or savings account

Capital one bank in XXXX on XXXX will not give me back my money
Product: Debt collection

On XX/XX/year> I received XXXX repeated calls within the span of XXXX minutes. The following day I received a call prior to XXXX despite me requesting no calls before XXXX and asking for it to be noted.
Product: Debt collection

received a letter from weltman, Weinberg and reis co, lpa saying they are collecting a debt of XXXX dollars for a company called California check cashing. I have never used this type of business and I have no outstanding collections. I have good credit and pay 100 % of the time. I think this is a scam and I do n't know if I should throw the letter away or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent Experian a letter for two accounts that they are reporting an inaccurate payment status on. 

I have not received a response, and this inaccurate information is hindering me from getting approved on a mortgage loan. 

On XXXX, this loan is closed and paid in full for over two years. They are reporting a delinquent payment status from XXXX it states " Paid, was past due 30 days. The loan was never late. 
The payment status should state " PAID as Agreed '' On loan depot this loan is also reporting a delinquent payment status which is completely inaccurate, they are reporting " current was past due 60 days '' - First I was NEVER late 60 days, secondly, in the two year history all payments are made on time then in XXXX they have a random 60 day late payment. which is inaccurate you cant go from being on time to 60 days late. 
Remove the 60 day late payment in the two year history and CORRECT the payment status to read " CURRENT '' Ive included the certified letter I sent, as well as a copy of both accounts credit report showing the inaccurate information,
Product: Bank account or service

Wells Fargo Bank pulled my credit without my permission and refuses to remove the inquiry from my credit reports even though they have admitted it was an error on their part. I want it completely removed from my credit file.
Product: Checking or savings account

Several of my credit cards, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Wells Fargo XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, have been closed due to fraudulent charges made through my Wells Fargo bank account. Unfortunately, I have not received any reimbursement for these unauthorized charges. Despite my attempts to dispute the fraudulent charges with Wells Fargo 's customer service fraud department, they informed me that the number of charges was too high to handle individually. In response to this situation, I have submitted a police report to document the fraudulent activity to Wells Fargo.. 

The fraudulent activities were ongoing from XXXX to XXXX, causing Wells Fargo to ultimately close my account due to the numerous fraud charges. Consequently, my credit card payments were returned, even though I had made all payments on time during the returned payments. As a result, my credit report has been negatively impacted by this ordeal.
Product: Checking or savings account

I saw there is an open lawsuit against navy federal for charging customers over drafts fees knowing they didnt have the funds but they let the transaction go through. Also when XXXX XXXX or XX/XX/XXXXpost on the account you would think you have the money but you dont really have it available
Product: Money transfer, virtual currency, or money service

My complain involves XXXX banks, XXXXXXXX XXXX  and Bank of America. 1. Bank of America checking account was open over 13 years. 2. XXXX checking account was open on XX/XX/XXXX. XXXX XXXX was closed on mid XX/XX/XXXX and was reopened on XXXX XX/XX/XXXX. On XX/XX/XXXX I tried to do an external inbound money transfer of {$3000.00} using XXXX online facility. The money was to come from my Bank of America checking account to my XXXX checking account. After transfer was initiated the money was withdrawn from Bank of America checking account but was never deposited into my XXXXXXXX XXXX. The reference number is XXXX. I see a message at XXXX that Looks like were not able to complete this transaction. Please contact your external bank for more information. I called Bank of America and informed the issue. They created a claim based on my complain. As part of the complain, on XX/XX/XXXX, Bank of America initiated an unauthorized money transfer and withdrew {$3000.00} from my XXXX XXXX checking account and deposited in my Bank of America checking account and closed my claim. But I still have {$3000.00} withdrawn from Bank of America checking on XX/XX/XXXX, that I never received at my XXXX. When I call Bank of America customer service, they say that your claim is resolved and we deposited {$3000.00} back to checking account. When I call XXXX customer service, they say your transaction on XX/XX/XXXX is cancelled and money was returned back to Bank of America. ( I think the reason money didnt get deposited in XXXX was because the account was closed and it just reopened on XX/XX/XXXX ). The money that deducted on XXXX was from my exiting funds with XXXX checking account. I still have not received my money of {$3000.00}, that was deducted from Bank of America on XX/XX/XXXX into my XXXX account. Attached is XXXX details from Bank of America XXXX 2. transaction details from XXXX and 3 XXXX Screenshot of failed external transaction transfer from XXXX. I am frustrated calling both banks. Both banks tell me to call the other Bank. Please help in getting my money back that was withdrawn from Bank of America but never came to my XXXX account. 

A similar CFB complaint was also lodged for XXXX with reference number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights are being violated and they are reporting inaccuracies on my credit report. According to the Fair Credit Reporting Act I have a right to dispute inaccuracies on my account. This is the third time I've asked them to remove the XXXX information.
Product: Credit card or prepaid card

Bank of America terminated my XXXX  forbearance. They never informing me they can extending my civil forbearance after XX/XX/XXXX. Instead they referred me to debit management called XXXX. As result I got into financial difficulties damage my credit score and my marriage. 
Why bank of America give me 4 credit card without My application. If they updated my lngotmatiom I lost my XXXX  since XXXX.
Product: Mortgage

I, XXXX XXXX, am a XXXX helping a seller, XXXX XXXX XXXX, to sell her home. The mortgage company, Shellpoint, is not cooperating with the attorney with the needed documentation to facilitate the loan pay off process. The home being sold is a mobile home and the new lender requires the mobile home titles to be surrendered and the lien released within 5 to 10 days after closing. The seller filed bankruptcy and has already received bankruptcy approval to sell the home on XX/XX/2020. The original contract closing date was XX/XX/2020. The contract has been extended 3 times due to Shellpoint 's unwillingness to facilitate the necessary documentation for getting their loan paid off by XXXX XXXX XXXX. My contact information is XXXX XXXX, XXXX XXXX. The closing attorney 's contact information is XXXX XXXX XXXX XXXX. The attorney representing Shellpoint is XXXX XXXX XXXX XXXX. The loan number with Shellpoint Mortgage is Acct XXXX. Shellpoint 's website is shellpointmtg.com and phone XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report there was fraudulent inquiries Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

On XX/XX/2023 there were XXXX fraudulent purchases made on my account in the amount of {$210.00} ( each ). Upon reporting the fraudulent purchases, Citi canceled my existing credit card and issued a new one. They also started a dispute investigation and credited my card for the disputed charges. 

On XX/XX/2023 I received a noticed about an update to my dispute. In the Noticed and Letters section of the web portal, there is a billing dispute updated dates XX/XX/2023 stating that one of the charges had been reversed due to proof offered by the merchant that the charge was not fraudulent. 

The proof offered by the merchant clearly includes invoices and confirmation notices that state another person made these fraudulent purchases ( " XXXX XXXX '' ). Despite this clear evidence of fraud, Citi accepted the merchant 's claim that the fraudulent purchases were legitimate. 

I called soon after receiving the XX/XX/2023 notice about the reversed charge. The representative at the Citi fraud operations department assured me that they would continue the investigation. They also told me that I would not need to pay the charge that was currently being disputed. 

I called again on XX/XX/2023 for an update. The representative ( XXXX ) at the Citi fraud operations department had no update, but stated the investigation was ongoing. She stated that there would be a resolution within 90 days of the initial fraudulent claim ( she stated this occurred on XX/XX/2023 ). 

When I asked about disputed charge payment and interest and late fee charges, XXXX informed me that they would credit me all interest and late fees for payments not made against disputed charges once the disputed charge was resolved. 

XXXX refused to put this statement into writing either in the form of a mailed letter or in an electronic letter submitted through their secure web portal. As a result, I am left simply hoping or trusting that not only can they appropriately resolve the dispute within the next 2 weeks ( which seems doubtful as they did not properly review the initial evidence provided by the merchant that shows a stranger 's name on the purchase invoice ), but that they will also reverse any late fees or interest charges based on an oral conversation only. 

I do not want to just trust that Citi will adhere to the word of a service representative on the phone, and I have no hard evidence that this guarantee was made to me. A statement in writing would be appropriate.
Product: Debt collection

Today my partner and I received a letter from our bank about a {$4200.00} hold against oursavings account and an additional fee of {$120.00}. This account was started in his name and all the assets in the account are from him. However I a non-spouse partner was added to the account this year. The debt is allegedly against me, yet there is no debt on my credit report that reflects this amount. Our first information on this is a levy against my partners separate property for a debt not by him, nor evidently by myself according to our credit reports. The letter from my bank only told us the office this came from was in LA, other than that we have been provided no information.