23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened a new checking account for {$50000.00} on XX/XX/XXXX with Citibank, obviously for advertisement which was confirmed by their staffs that I will get a promotional bonus for {$700.00} after 60 days if I could keep this balance. I had been repeatedly told and ensured that the balance means combined balance with all accounts under my name. Later on XX/XX/XXXX I was encouraged by one of their staff to transfer money from checking to CD account for 18 months so as to make more income for me and I did it. 

After a long time I saw no sight of promotional bonus in my account so that I went to Citibank on XX/XX/XXXX to check out. Then I was told that I was disqualified because I did not keep the balance in checking account and CD balance does not count as part of combined balance. 

I am XXXX years old and it sounds like a scam to me. Until now, my money has never been moved out of Citibank.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXX {$7000.00} XX/XX/XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX {$1700.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$980.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$730.00} XX/XX/XXXX XXXX  XXXX XXXX {$710.00} XXXXXXXX XXXX XXXX XXXXXXXX  XXXX {$630.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On Monday, XX/XX/year>, I attempted to update my personal information with Experian ( a phone number ), so that I could place a freeze on my account. 

After spending many minutes and calling XXXX different numbers, I was not able to place a freeze. They have an old phone number in their system, so I can not access my account to place a freeze due to recent fraudulent activity using my personal information online. 

Experian 's system will not allow me to talk to a real live human being, so I have no way of placing a freeze unless I do so in writing. 

I need to place a freeze immediately ; submitting a request in writing in NOT sufficient as it is not timely and does not offer me the protection I need.
Product: Debt collection

I just had gotten an notification from my credit report saying I had an an debt collection which was new to me. And it popped up as EOS CCA. Saying I owe XXXX that I dont know about and also it was giving an address that I never been to in my life
Product: Vehicle loan or lease

Driveway Finance Corp. unlawfully repossessed my vehicle while litigation was pending. XX/XX/XXXX I lawfully rescinded the contract under 15 U.S.C. 1635 ( TILA ). XX/XX/XXXX They ignored my rescission and continued collection efforts, violating TILA and FDCPA. Final demand Letter was sent XX/XX/XXXX. 

My UCC-1 lien ( XXXX XXXX XXXX, XXXX ) secured my interest in the vehicle, yet they took it anyway.
Product: Credit reporting or other personal consumer reports

I have already paid Capital One on both accounts, but they keep charging me, saying that i haven't paid them. when I removed myself from their autopay system, they have reported that I had two payments late on my closed credit card. Still to this day i have no idea why they closed both of my credit cards. They sent me a letter saying I've violated their terms and conditions and closed both of my credit cards. I would like to Capital One to be conspicuous about why they closed both of my credit cards and also to remove any late payments off my credit report, and mark them as " paid as agreed ''. 

It has been over 30 days of investigation and Capital One has not responded to any of my questions. I would like to get an answer from capital one.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. 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 MONTHS REPORTING LATE 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. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit card

My account was locked due to what they said was suspicious activity. I have made several calls and emails to get the situation resolved to no avail. As a result I dont have full access to my account except for making payments.
Product: Debt collection

I just received a letter from XXXX and Associates ( XXXX XXXX XXXX, XXXX, NY, XXXX ) ( XXXX ) who apparently bought debt from XXXXXXXX XXXX in my name personally. They say that I owe {$2600.00} for a year of XXXX for my COMPANY that I did not want to renew for a year in XXXX XXXX XXXX  I did not renew the XXXX and the XXXX  stopped working inside of a month per what the XXXX firm said was going to happen. This firm has probably done this to many other individuals. Its not even a XXXX an individual would own.
Product: Credit card or prepaid card

Re : Complaint XXXX BofA responded : 1. ) by reading over the telephone, never in writing, saying XXXX. ) " We determined that the message you received online stating dispute service currently not available, was because you would need to call into Bank of America Credit card customer service to file the merchant dispute. '' This response is patently incorrect. 
When I received this response ( in writing from the CFPB ) I retried to file this dispute online and this time the dispute was accepted and I DID NOT have to contact BofA credit card customer service by telephone. My dispute is now pending at BofA. 
BofA 's XXXX. ) not accepting my dispute online in the first place, and XXXX. ) sending me and CFPB such a flimsy and incorrect response is more of the same behaviour of BofA that earned the bank a {$90.00} XXXX fine from CFPB and {$60.00} XXXX fine from OCC. 
See ATTACHED screen shots of actually filing the dispute in question online, despite BofA agent saying it had to be done by telephone. ( final screen shot is showing that dispute was accepted online. )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ACCOUNT NUMBER ENDING IN XXXX XXXX DATE OPENED ON XX/XX/2014, IS REPORTING ONE LATE 30 DAY ON MY CREDIT REPORT THIS IS AN ABSOLUTE INACCURATE INFORMATION, PLEASE HAVE ALL THREE MAJOR CREDIT REPORTING AGENCIES TO REMOVE THIS LATE. 
I HAVE THE LETTER ATTACHED ( APPROVAL LETTER ) FROM XXXX XXXX XXXX, TO SOLVE THE PROBLEM BUT THE REPORTING AGENCIES SUCH AS EQUIFAX AND XXXX ARE NOT COOPERATING PLEASE SOLVE MY PROBLEM THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, Universal Citi Card sent me a letter stating they were raising their APR on existing balances for all open accounts and the only way to opt out was to close the card and pay off my remaining balance at the previous rate so I did after 8 yrs flawless history. At some point they changed to AT & T Universal Citi card and all XXXX broke loose. I didn't receive my XX/XX/XXXX statement so I called to notify them of missing bill and make a payment over the phone. The agent told me I'd have to pay extra for missing my due date but that if I paid right then, he'd credit the late fees on next statement and get me back to my usual min payments, so I did. They reported XX/XX/XXXX as paid to the credit unions, but sent me a new bill claiming I didn't and was now default on my APR agreement and would have to pay all late fees + 2 months payments at the new APR up front to keep my account. I disputed via phone and mail for a year, offering to get back on track if they fixed the error and pay off my balance. They stopped sending me bills, when I tried calling in XXXX to work it out again, they had an incorrect address and number for me in a different state I've never been to. I never received collections notices or responses to my letter campaign which went to every XXXX XXXX provided, as well as corporate. 3 years later they FINALLY cancelled the debt with the IRS on XX/XX/XXXX, though I only got the notice recently. However, they continued to report a balance that never existed and past due amount to the credit unions past the cancellation date. XXXX STILL reports this to lenders as a new negative item despite receiving a copy of the IRS doc. Both XXXX   and XXXX have allowed this false balance to reappear after deleting it and have failed to clean the payment and balance history adequately. On XX/XX/XXXX, I sent XXXX, XXXX and Citibank the IRS form proving the old debt cancellation date in XXXX. This debt was cancelled under code G : due to law or policy. Citibank didn't send my bill, process or report payment properly. THEY defaulted on our agreement. Not only was I never legit late on this account, but I've been disputing it for FIVE YEARS, had flawless credit for 17 years across the board that they singlehandedly destroyed, made unmanageable and created unnecessary financial chaos in my life I am still recovering from their false reporting, as well as XXXX and XXXX lack of thorough report cleaning even after legal proof was submitted. I haven't applied for credit in 10 years because of them, maintained the other cards I had perfectly and STILL am getting rejecting for credit over this. It's NOT NEW like XXXX continues to report, there is no balance or past due. The dispute began in XXXX on an account closed in XXXX. It was cancelled with the IRS XX/XX/XXXX and the amount that's been reporting is pure fiction as the IRS form shows the amount when they stopped adding interest and cancelled it. There should be no history past that date anywhere on my reports regarding this account nor should the amount they were reporting ever been on them as it never existed.
Product: Debt collection

Sent text messages regarding this account. Numerous phone calls Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX. XXXX, XXXX # XXXX Account name : XXXX XXXX XXXX, # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX, Hard Inquires accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I entered into an agreement to refinance my mortgage with Freedom Mortgage ( also my current lender ). They have canceled my closing twice at the last minute due to document problems on their side. I stopped the refinance process with another lender because I believed I had a closing scheduled with Freedom Mortgage. I believe Freedom Mortgage is deliberately delaying the process in order to get my rate lock to expire. 

Here are the people I have spoken to at Freedom Mortgage XXXX XXXX NMLS # XXXX XXXX NMLS # XXXX XXXX XXXX ( processor ) XXXX XXXX ( escalations ) XXXX XXXX XXXX ( escalations ) XXXX XXXX XXXX ( loan processing manager )
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the law in my state the debts in question is past the legal statute of limitation under contract law to collect. I lived in Alabama. 

LVNV Funding LLC is suing me for {$2100.00} LVNV is trying to collect {$2800.00} LVNV is trying to collect {$2800.00} LVNV is trying to collect {$6600.00} XXXX XXXX is trying to collect {$650.00} XXXX XXXX is trying to collect {$550.00} on
Product: Credit reporting or other personal consumer reports

Experian Attn : Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute of Inaccurate Credit Information Account Number : XXXX Dear Experian & CFPB, I am writing to dispute the accuracy of information on my credit report pertaining to the alleged charge-off on the account with the following details : Account Name : XXXX XXXX  Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Account charged off. {$2100.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$2100.00} Balance Updated : XX/XX/XXXX Credit Limit : {$2000.00} Highest Balance : {$2600.00} On Record Until : XX/XX/XXXX I assert that there are multiple discrepancies in the reporting of this account that potentially violate the Fair Credit Reporting Act ( FCRA ). The alleged charge-off, in particular, raises concerns due to the following : Manipulation of Effective Date : The credit card company updated the effective date to XX/XX/XXXX, potentially reaging the account to keep it on my credit report beyond the permissible reporting period. This may violate FCRA Section 605 ( c ), which outlines the maximum reporting period for most negative information ( seven years ). 

Inconsistent Charge-Off Reporting : The account is reported as charged off multiple times for multiple months, indicating potential inaccuracies or overreporting. This inconsistency may violate FCRA Section 611, which requires accurate and complete reporting.

Lack of Clarity on Charge-Off Status : The reporting of charge-off status continues for an extended period without clear resolution or update. This violates FCRA Section 623, which mandates furnishers to report the current status of the account accurately. 

Missing Information on Highest Balance : While the highest balance is reported, the corresponding date is missing. This lack of specificity may violate FCRA Section 607, which requires accurate reporting of the dates.

Delete this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the LVNV FUNDING LLC still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO.
Product: Mortgage

Company sent another inaccurate monthly statement along with an increase in the monthly payment with no explanation. Due date is inaccurate as well and is made to look like Im behind on the payments. In reading the submitted document from top to bottom none of the figures make any sense. Including the increase. 
please refer to case number XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX Account number XXXX an personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX Account number XXXX a personal credit card account opened at FCC XXXX on XX/XX/XXXX Account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collections : XXXX 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 a account without my written instructions
Product: Mortgage

The mortgage company is delaying progress in reviewing my loan modification application. I inquired the loan modification on XX/XX/XXXX. Uploaded documentation needed by XXXX XXXX. During the past XXXX XXXX weeks I have been asked for documents already uploaded to their portal. I also emailed the same documents. They are delaying the relief I need until my circumstances change. I have been paying two mortages on {$30.00} per hour pay. Both mortgage companies are operating in the same fashion. They are not taking the time to evaluate documents sent beginning XX/XX/XXXX. I sent my pay slips/stubs, several bank statements, spoke with several representatives with no movement on my review to modify this loan. 

The loss mitigation department took two weeks to tell me documents were missing. Upon confirmation by a customer service representative said the documents were there. I explained the current events of my tenants. This led to them asking for more bank statements knowing they haven't been able to pay any rent since XX/XX/XXXX. 

Now I am further behind on a loan modication work out plan because the loss mitigation department refuses to pull documents from the portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX, AND XXXX  ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS
Product: Debt collection

I am 2 weeks late on my payment with Citi Best Buy card and have been receiving more and more calls per day. It started as 2 per day but has quickly escalated. I have received 4 robo calls already today and it's just now noon. Each time they leave an extremely long voicemail which after 4 fills up my inbox. I've received 2 calls within 30 minutes or each other. Times are hard right now and trying to collect in this manner is heartless. I was already denied help from citi without any explanation why. I understand I need to pay but harassing me non stop isn't the answer. I have attached proof of the 11+ calls in the last 3 days.
Product: Credit reporting or other personal consumer reports

There is an account that belongs to my XXXX sister on my report I continue to tell them this and they verify they do not have my information in their sustem My sister called them and they are reporting it correctly to her credit report but also to mine This account has my sisters ss # and her name but they wont remove it from my report Im XXXX XXXX XXXX My sister is XXXX XXXX We are XXXX and my mom gave us both the same first name and she has a middle name but I do not
Product: Checking or savings account

you can not go to a bank america branch where they do not make you wait at least one half hour to get to the one teller they have with a line of 10 people ... they need to provide more staff to support the customers, instead of making you wait on the phone or at the bank for more than half an hour, standing, to get to the teller their treatment of customers is criminal
Product: Credit card or prepaid card

I was using card, after all cards were checked for activation, but when i got to register it was closed.
Product: Mortgage

I have been working with Ocwen for what feels like years in regards to options for foreclosure. I have been forced to file bankruptcy on several occasions and yet Ocwen is continuing to give me the run around and asking for more and more documents every time I get closer to resolution. It 's as if this is all just a game and my homeowner bill of rights are being violated left and right. I have no assigned point of contact and I have a sale coming up with no options.
Product: Credit card or prepaid card

I opened an account with Barclays on XX/XX/2015. I paid account on time for exactly 12 months. Then closed out my account at XXXX balance. I was unable to resolve this with the company. They were unable to find and records related to my account.