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

I am handling the finances for a brother-in-law who has had a XXXX and my sister who has XXXX issues. At some point, perhaps over six months ago Citi bank sent out information that they were going to paperless billing. You were forced to opp out of it. I went online to do so but the procedure was most difficult. All choices led to paperless and if there was a way to opp out, I could not find it. After awhile, it was brought to my attention that their bill was overdue. I called customer service to see what was happening. As an administrator on their account the agent confirmed the bills were being sent to the right address. Because of the XXXX issues and multiple care givers, I figured the problem was on our side. The agent never mentioned the bills were paperless and as readily agreed to changing the mailing address to mine so I would not have this issue again. That action was deceptive as he knew they bills were paperless so why even bother to change the mailing address. He then sent me copies of the 4 months of bills I had not received. There was no mention that the reason I wasn't receiving the bills was that the account was paperless. Again, no bills come. So last night I spend an hour with customer service, as well as with a manager. I explained how I had tried to cancel paperless billing, it was something we never wanted, my sister and her husband have no computer, and no active email. I found out at that point they were sending the bills to her old email and she can't even access it due to XXXX issues. As an administrator on her account the company will let me change the mailing address, change the email address, they will send me copies of the bills after the billing but they refuse to let me change paperless to paper billing. I truly believe this is a scam on our older population. As a result of this policy, there have been repeated late charges and interest on my sister 's account since this new policy was instituted. Citi Bank insists that I, as an administrator, can not change paperless billing to paper billing as it is a security issue. Since I can change addresses and get copies of the bills after they are late, this makes no sense. This policy is fraudulent, and particularly targeted to those who are not computer savy. Paperless billing should not happen without your express consent. It should not be a default policy. And if there is an error in set up, the same person who is allowed to set up in the first place, should also be the person who can cancel. My family is fortunate to have someone looking out for them. How many elderly are being forced to pay late fees and interest on a policy they do not want?
Product: Debt collection

Synchrony bank has called my number XXXX plus times a day even on Sat and Sunday even after XXXX. When I answer I 'm either hung up on, placed on hold and if I start speaking I 'm disconnected. I have not been able to even speak to someone to say anything.
Product: Mortgage

Loan transferred to a other subsidiary of Mortgage company. I found it suspicious/odd. The new servicer stopped or never started sending me statements. I contacted them several times ( via phone ). After several attempts, I received one copy of a statement that had thousands of dollars of fees. I immediately contacted them again. They would not/ count not provide information. Then I wrote them a letter Error/Information Request. I received a one page response indicating " we are working to gather the requested information and will forward it to you as soon as possible ''. Over 30 days have passed and no further information. It's now XXXX  months since loan transferred and no monthly statement has been sent/received. I've continued to make payments. They are clearing my account. I do not know if/how they are being applied and I do not know if the escrow account is paying my property taxes. Most importantly I do not know/understand what these thousands of dollars of fees are. I have checked my credit and thus far this shady situation is not affecting reporting negatively.
Product: Mortgage

Dear CFPB : Was told I had a deferral program on my mortgage due to Corona Virus Hardship. Once I wanted to begin payments again, I was assured it was all being deferred to the back of my loan. Once I paid, it was not put to the back of my loan, instead BofA threatened me with delinquent notices, they haven't reported it to credit however they admitted their mistake yet they haven't remedied this. They said I was " misinformed '' and told me I need to work with them on repayment program like ; pay in full, a loan modification and or refinance options. However, my doctor has rendered me totally XXXX, I am trying to find out how to work during COVID and BofA wouldn't qualify me for a loan modification or refinance option due to being on XXXX. Please help, need guidance. XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am trying to establish a account connection for funds transfer from SEC registered XXXX XXXX XXXX and PNC Bank , National Association. PNC has been been non responsive in fixing the issue of allowing my XXXX Account to request fund transfers.
Product: Credit reporting

I had a car with Santander Consumer USA. The car was totaled and my insurance paid the car off. This account is reporting late & was never late. My insurance company paid the car off. This reporting does not reflect my credit worthiness, and has severely affected me. I was just made aware of this reporting from my employer. I work with consumer financial info and I am required to keep a certain credit report. This inaccurate reporting can lead to termination of my job, Please correct this and delete this late.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy. 

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for and purpose.
Product: Vehicle loan or lease

We had just purchased my pre-owned XXXX XXXX XXXX XXXX XXXX XXXX back in XXXX of this year XXXX. We were just getting organised with our new lender, Ally Financial, and barely received an invoice and all of a sudden a late fee was assessed in the amount of {$82.00}! At the time we had an unexpected family emergency resulting in an unexpected addition expense. I'd shared this reasoning for being late with Ally who's off-shore representative stated they will " submit my request to remove the late fee for review ''. This is the first time I'd heard of this given it was the first late fee and we'd only had one. Most lenders at the very least reverse one late fee. Instead, I've been given a hard time in addition to being interrogated as to why I was late etc. even though I'd already stated unexpected expense- I didn't feel I needed to go into the personal reason of a family emergency so when I'd mentioned that in addition today the rep said, " well that's not the reason you provided prior ''. WOW. Adding insult to injury here! I'm writing you to both inform you of how Ally is treating their customers. We already pay a premium in interest payments and their late fees are obscene. We'd appreciate assistance with having this removed. Also, it is very difficult to work with their off-shore reps- very difficult to understand them and they refused to transfer us to anyone in the United States . Thank you in advance.
Product: Credit reporting or other personal consumer reports

I reached out to Experian to dispute this account as I did not authorize it on my report. My identity was stolen due to the XXXX data breach. There are multiple addresses and dates that I do not recognize. I asked Experian to provide proof of this account, but nothing was done to rectify this issue. Please see the accounts below : XXXX XXXX Unsecured Loan Account # : XXXX XXXX Date Opened : XX/XX/XXXX Disputed On : XX/XX/XXXX through Experian Details : Same as above. 
XXXX XXXX Unsecured Loan Account # : XXXX XXXX Date Opened : XX/XX/XXXX Disputed On : XX/XX/XXXX through Experian Details : Same as above Date Opened : XX/XX/XXXX Disputed On : XX/XX/XXXX through Experian Details : Same as above. 
XXXX XXXX Line Of Credit Account # : XXXX XXXX  Date Opened : XX/XX/XXXX Disputed On : XX/XX/XXXX through Experian Details : Same as above. 
XXXX XXXX XXXX Secured Loan Account # : XXXX XXXX Date Opened : XX/XX/XXXX Disputed On : XX/XX/XXXX through Experian Details : Same as above. 
XXXX XXXX XXXX Secured Credit Card Account # : XXXX XXXXXXXX Date Opened : XX/XX/XXXX Disputed On : XX/XX/XXXX through Experian Details : Same as above. 
XXXX Charge Card Account # : XXXX XXXX  Date Opened : XX/XX/XXXX Disputed On : XX/XX/XXXX through Experian Details : Same as above. 
XXXX XXXX XXXX ( Collection Account ) Account # : XXXX XXXXXXXX Date Opened : XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Disputed On : XX/XX/XXXX through Experian Details : Same as above. 
XXXX XXXX XXXX ( Collection Account ) Account # : XXXX XXXX Date Opened : XXXX ( Original Creditor : XXXX ) Disputed On : XX/XX/XXXX through Experian Details : Same as above. 
XXXX XXXX XXXX ( Collection Account ) Account # : XXXX XXXXXXXX Date Opened : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) Disputed On : XX/XX/XXXX through Experian Details : Same as above. 
XXXX XXXX  ( Collection Account ) Account # : XXXX XXXXXXXX Date Opened : XXXX ( Original Creditor : XXXX XXXX ) Disputed On : XX/XX/XXXX through Experian Details : Same as above.
Product: Debt collection

Today, a man showed up at my door. I answered the door, and he asks for XXXX XXXX. I told him that hes not here. Then, he begins asking me a serious of questions like : Does he live here? How long have you been here? Where is he?. I felt extremely uncomfortable with that line of questioning considering this is a complete stranger asking me questions about someones whereabouts and he didnt even acknowledge who he was. In addition, I suddenly felt more like he was trying to verify if I was alone. So my replies were No. I then asked him why the line of questioning and who he was, he proceeded to say he was a process server with papers for XXXX XXXX from the XXXX XXXX XXXX Courts. I didnt believe him, and told him to leave. I saw papers in his hand, and they didnt look anything like what could be considered court documents. I watched him leave from the window. Not even a few minutes later, he returned, and knocked again. Im not even sure why I opened the door again, but I did. As soon as I did, he asks XXXX XXXX, right? I told him that he was told to leave, and now hes shown up with a different name. He yelled this time over me, I yelled at him to ( please pardon my language ) Get the XXXX off of my property and dont come back here. Even after I slammed the door, he continued to yell at the door. I tried getting a license plate, model and make of his vehicle, but I couldnt see the back or front of his car. He eventually left, but I heard my storm door open and close before he did. I opened my door and found papers. The front page had information about debt collection, and after flipping through a few of the other pages, theyre blank and certainly nothing filed with the courts here. I was instructed to call the police if he returned. If this is some abrasive tactic of collecting some debt, aggressively approaching someones home especially with children present is extremely inappropriate and is harassment. Thinking clearly now, I shouldnt have opened the door a second time, but obviously, I do not want anyone else at my door.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report, it states I was 30-59 days late on a payment for XX/XX/2017. I was late about 5 days, not the 30 days they are reporting, and the reasons for those late payments were the fact the contacted me 5 days after the due date to inform I didn't have enough funds for the payment in which I immediately went to my account to resolve the issue. Again, I have not been 30 days late on a payment, but they had reported it as such. as shown in the attachments, I have made a payment every month, but not in the lateness they have reported. And I believe each late payment may have shown in the next statement, hence why I attached 3 months to make reference of. Thank you
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 Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, their dispute resolution process wss unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Bank account or service

I previously worked for Bank of America for a little over 6 years ' total. During that time, I also used the bank as my primary depository institution. After voluntarily departing from the bank XX/XX/XXXX I continued using the accounts out of convenience. I had/have a total of XXXX accounts, XXXX checking and XXXX savings. In order to avoid a monthly service charge for the savings account without maintaining a minimum {$2000.00} in each account I had to set up auto-transfers from the checking to each of the savings. This was done easily while working at the bank and setting up the payments to coincide with paydays - every 2 weeks. When I left, and began with another company my paydays changed to semi-monthly. Still, the transfers continued and I never had a problem with overdrafting my account at any time. On XXXX/XXXX/XXXX, I logged in to check the account since I had began using another institution for my daily spending and only using BOA for bill paying - I noticed that I had incurred overdraft charges the prior week. When I traced the reason why the account had been overdrafted, it was due solely because of the auto-transfers from the checking to each of the savings accounts. My thought was that I would contact the bank and let them know of the error so that it could be corrected - after all, the funds were not 'absent ' it was just a matter of funds going into XXXX account when it should have been held - and I do not overdraw my account, nor was I ever notified via mail and/or email of the problem. When I contacted the bank, the representative stated that she had to 'check ' to see if I was eligible for a refund of the overdraft fee. She placed me on hold and came back on the line and informed that I was not eligible. I asked her why and what was the determining factor? She said that she was unable to tell and that the 'system ' has a formula for this but either would not or could not explain it to me. Now, this was literally XXXX overdraft fee..not multiple..not spending money that I did n't have. The funds were 100 % within the bank - and they charged me a fee for money they benefited from. Furthermore, I had no prior knowledge of this policy nor any notification afterward that this had occurred. I am now in the process of removing all of my funds from this account - a lengthy process since I have had this account for almost 15 years. What a disappointment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Request for Immediate Removal of Fraudulent Accounts from Credit Report Dear Sir/Madam , I am writing to express my deep concern and frustration regarding the lack of action taken by your organization to address the fraudulent accounts on my credit report. It has been well over 30 days since I first reported the identity theft, and despite providing all necessary documentation, the fraudulent accounts remain on my consumer report. This letter serves as a formal complaint against the credit bureau for failing to take appropriate action in removing these fraudulent accounts. 

To support my claim, I have attached a copy of my identity theft report, as well as my social security number and a form of identification for your reference. These documents clearly establish the fact that my personal information has been compromised and used without my consent or authorization. 

As per the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I have the right to dispute inaccurate information on my credit report and expect the credit bureaus to promptly investigate and correct any errors. However, in this case, the credit bureau has failed to validate the authenticity of these fraudulent accounts before furnishing them onto my consumer report. 

I hereby demand that you remove the following fraudulent information from my consumer report within four business days : 1. Account Name : XXXX XXXX  Account Number : XXXX 2. Account Name : XXXX Account Number : XXXX 3. Account Name : XXXX XXXX Account Number : XXXX 4. Account Name : XXXX XXXX Account Number : XXXX Furthermore, I would like to bring your attention to the fraudulent addresses associated with these accounts, which were included in the report without proper verification : 1. XXXX XXXX XXXX, XXXX, TX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX Please understand that failure to comply with this request within the specified time frame will leave me with no choice but to pursue legal action under the provisions of the FCRA. As stated in Section 616 of the FCRA, any willful violation of the Act may result in a penalty of up to {$1000.00} per violation, and I will not hesitate to seek remedies for each instance of non-compliance. 

I trust that you will treat this matter with the urgency it deserves and take immediate action to rectify the errors on my credit report. I expect to receive written confirmation from you once these fraudulent accounts have been completely removed. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 a account without my written instructions 15 U.S.C 1692C 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. 


XXXX NAME : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ADDRESS : XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX PUBLIC RECORDS : XXXX  XXXX Bankruptcy XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I provided a police report and identity theft report with supporting documents to remove a fraudulent account off my credit report and for XXXX XXXX to close this account due to it being fraudulent identity theft account. Instead of closing the account XXXX XXXX used my supporting documents information to up date their information on a fraudulent account and listed the fraudulent identity theft account with My information that I provided them as a prove of identify for the dispute of the identity theft account. They have used the documentation that provided to them through CFPB website for the sole purpose of disputing the identity theft fraudulent account by fraudulently updating such account with my actual information and my correct address instead of the address that was used to commit identity theft fraudulent accounts that they reported to my Credit report. By doing such action they have violated and breached a dozen of federal regulations for consumer credit protection and consumer rights. 
I demand an immediate block of this account reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4400.00} ; XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've previously submitted a complaint to Ally Financial on this site. XXXX from Ally call me back this week stating that they CAN NOT find my name in their system. I provided my SSN to him and no word. I need this resolved ASAP as its negatively impacting my credit score. As its past the 15 days from my previous complaint.