23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As of today XX/XX/XXXX national check solutions is trying to collect {$470.00} they have been trying to collect this amount since XX/XX/XXXX of XXXX. I have sent a certified letter with the laws and requested that they stopped reporting this to my credit file to XXXX, XXXX and XXXX in the amount of XXXX because I have no contract never had a contract with them do not have any business dealing with this company whatsoever and their continuing to collect they they have not sent any letters or any contracts with my signature showing that I have any dealings or any deals or relationship with them they have not verified any debt that I've owed them because I have no connections with them this is fraudulent and I would like the XXXX experience and national track check system to stop trying to collect and to start reporting this debt by law stated in the letter that I sent to XXXX, XXXX and XXXX and to national check systems and they have not still abide by the law and they should be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

My original student loans were with a company named XXXX. Navient purchased these debts from XXXX. I do not know what my balances were at that time. I did receive a letter in the mail at that time stating that Navient was to be my new creditor. 

I have never taken out a loan with Navient. I have never had any dealings with Navient, though i do acknowledge that they hold my original debts that i had with XXXX. I believe my original loans were cumulatively around the amount of $ XXXX. 

Every month for as far as i can look back and see, Navient has reported that i have increased and decreased the amounts of my loans. They are doing this in such a way that they maintain that the balances on my loans are atleast {$2500.00} more than is accurate and honest. This is fraud and they are knowingly doing it. Navient reports that i increase my balance by over {$2500.00} every month, and then on the last day of the month they claim that i pay the loans down by {$2500.00} ish, and ON THAT SAME DAY, they claim i increase my loans again by the same amount. due to this method of fraudulent activity, if i were to call and ask for a payoff amount on my loans right now, they would tell me that my loans are actually $ XXXX more than is accurate. 

This effects me in a negative manner in a couple of ways. first, it keeps my debts looking higher than they should be on my credit report. This was the dead give away to me that something wasnt right. This is why i looked into the matter and found out exactly what they are doing. secondly, this effects the amount of interest they are tacking onto my loans while my loans are sitting in deferment. With the balances looking much higher than they actually are- Navient charges an interest rate monthly on that higher fraudulent amount ( rather than a lower honest amount ). Because of this, every month, i have higher than honest amounts of interest tacked onto the over all balance of my loans.
Product: Credit reporting or other personal consumer reports

Advantage credit Inc XX/XX/year> hard pull on credit to illegally obtain credit file for loan purposes. 

Advantage credit Inc XX/XX/year> hard pull on credit to illegally obtain credit file for loan purposes. 

XXXX XXXX XXXX XXXXXX/XX/year> hard pull on credit to illegally obtain credit file for loan purposes.
Product: Checking or savings account

I was charged a {$36.00} overdraft fee when I was told I have overdraft protection. There were funds in my savings account to cover the transaction. I was told I did not have overdraft protection however I did sign up for overdraft protection. There have been other instances where I was not charged overdraft fees even when the funds were not available. The so called Manager could not explain why sometimes I am charges and sometimes I am not. In addition I was charged another {$36.00} in excessive withdrawal fees. I was told there is a limit on the number of withdrawals you can make. I never heard of or was aware of this policy. How can you charge me for basically withdrawing my own money? I basically gave the bank {$72.00} for nothing. It is hard times during COVID and I would like my {$72.00} credited back to my account.
Product: Debt collection

I pulled my credit from XXXX XXXX and noticed a debt from debt recovery solution, LLC was added to my XXXX report for {$82.00} this was previously disputed and removed on XX/XX/2017 when XXXX reported this same amount from the same source. After contacting them and saying I did not know this debts. no letter was ever sent to me and this keeps coming up on my credit report. 
this is not mine.
Product: Credit card or prepaid card

I received a promotional email on XX/XX/XXXX indicating a promotional financing offer on all new purchases made between XX/XX/XXXX and XX/XX/XXXX. I made several purchases that cleared on XX/XX/XXXX, but did not receive the 7 month promotional financing. 

I reached out via Barclays chat customer support line on XX/XX/XXXX after noticing interest was being charged to my account. The CS representative was unable to offer any APR reductions or offer the correct special financing period as initially indicated in the email.
Product: Credit card or prepaid card

On XX/XX/XXXX I placed and order with walmart.com Order # XXXX the items show delivered on XX/XX/XXXX and left at the front door no signature just left not handed to a person but left. The other one shows delivered XX/XX/XXXX and left as well. The area is not the best area and Im not understanding why a package was left. I contacted walmart.com and they told me that they couldn't help me because the package states delivered. I asked why did the package not require signature they stated its up to them to decide if it needs a signature or not. I contacted XXXX XXXX XXXX to dispute the charge and they tell me since it shows delivered although the driver just left it the they can't credit dispute. So now I'm left with no product and a charge to my card that I'm supposed to pay with interest for items I didnt receive. Basically I feel like because I ordered from walmart.com with my walmart card they wouldn't decide in my favor any way because its the same company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, THD/CBNA add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
Product: Debt collection

Keep receiving letters from them saying I owe a loan from Citibank which wad paid in full in   XXXX   loan for school. I called  Citibank  and was told I owe them nothing. Their student loans were sold to another company which I called as well.     W hen you call Credit Control, there 's several numbers, no one answers, just voicemail. They buy debt that is closed, ghost debt and expect consumers to j ust pay with no proof until asked, that is, if they can provide.
Product: Credit card or prepaid card

on or about XX/XX/2020 synchrony bank closed all of my accounts with them. i had 28 accounts, all in good standings and paid as agreed, never 1 minute late, paid more than the minimum payment due and had paid off all accounts except 9 accounts. they closed these accounts without notice! in fact i was going to use my chevron gas card and it didn't work at the pump. the screen asked me to see the cashier to process the credit card payment and was told by the cashier the account was closed. 
synchrony bank had raised my credit limit on all accounts on or about XX/XX/2020, then they closed all my accounts. the first chance i got i went online to check my credit profile and noticed all synchrony accounts closed. i started calling the synchrony accounts. i was not given any information as to why they closed these accounts. also, when paying my accounts online i was always asked if my ability to make the monthly payments had been affected by the covid 19 situation and i always responded " no ''.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these account before i seek litigation for defamation of character ) 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 reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was 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 information relating to any transaction by the consumer. XXXX XXXX XXXXXXXX XXXX Balance : {$3700.00} XXXX  XXXX XXXX Balance : {$3700.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$5300.00} XXXX XXXX Balance : {$1200.00}
Product: Mortgage

My home was started in a foreclosure process that was stopped by Wells Fargo Bank. # XXXX. Wells Fargo had been found guilty in The State of California for a loan called pick-a- payment which a ruling by The Department of Justice found unfair to persons who had this type of loan.After agreeing to stop all actions against me and my house being listed and sold by XXXX , XXXX , XXXX continued to damage me to the extent of my not being able to get a loan for a home or equity line with XXXX XXXX.My house was paid off in full and went through XXXX.The closing was on XXXX XXXX. Wells Fargo Bank @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX.Wells Fargo also never advised me of The agreement with The State of California. Now comes XXXX, XXXX, and XXXX giving foreclosure a new name. Attempted foreclosure well attempted is not foreclosed.
Product: Credit card or prepaid card

I want to begin by stating that I am an employee at the CFPB. I have a XXXX XXXX XXXX XXXX which is issued by Comenity Bank. The purpose of using this credit card is to obtain 5 % cash back awards on purchases made at XXXX XXXX XXXX. You can then use the awards in {$10.00} increments while making a purchase at XXXX. The last time I was able to use my awards was on XX/XX/22. Since then the Comenity Bank XXXX Credit Card website posted several messages about a system update creating errors with their system. The awards portal has shown now for a month that they are currently updating their systems and you may see a delay loading your rewards. The account will be updated to reflect your correct earning activity as soon as possible. However, none of my awards have been accumulating on the Comenity Bank website and the BJs website is also showing me a notice when I log in that there is a system issue causing delay in posting awards. I assume this is because of the Comenity Bank issues. Since XX/XX/22, I have made XXXX purchases at BJs totaling {$970.00}. With the 5 % award calculation, I should have earned {$40.00} worth of awards for immediate use. None of these awards have been issued for my use at BJs. The Comenity Bank website shows {$20.00} earned and they have not been loaded onto the BJs membership account. Furthermore, each purchase is supposed to reflect the amount of awards earned per purchase, and since XX/XX/22, it has been showing {$0.00} awards earned per purchase. The last purchase I made on XX/XX/22, finally showed some earnings occurring, but it was not at the correct 5 % amount. The system calculated awards earnings of 1 % on the XX/XX/22 purchase. A representative at Comenity Bank attempted to assist me on XX/XX/22, but had no success in resolving anything as she stated the system issues still need to be resolved and that she could not make any adjustments within the awards portal. Additionally, one of the awards that is showing from the {$20.00} says it will expire on XX/XX/22. If this isn't resolved by then I am at risk of losing it strictly due to Comenity Bank 's system issues. I am requesting assistance in getting my awards situation resolved with Comenity Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I found out that I had a student loan on my credit report. I tried to handle it back in XXXX a few times not knowing the correct way of handling it. I didn't get the results I wanted and was basically being forced to pay something I never requested or took out. Once I got into learning and understanding my credit and how it works I reached back out in XXXX they took a while to reply back. Once they replied back, it's been a lot of back and forth between the student loan people and I. They had my information like name, gender, dates and they even had two different amounts for this one account. I have sent multiple dispute letters and they only replied to one dispute letter and with the wrong information and two different amounts. They still trying to force me to pay and give me a hard time of fixing this problem.
Product: Credit reporting

I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the bankruptcy listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that  XXXX  was able to gain access to my inaccessible information?   According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent man, I respectfully request that you remove the bankruptcy from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.
Product: Credit reporting, credit repair services, or other personal consumer reports

Leasing agreement with Chrysler Capital of XX/XX/XXXX. 
Monthly payments : {$490.00} On XX/XX/XXXX I signed up online on Chryslercapital.com for a recurring Payment Plan Schedule. 

The same day, I got a confirmation from Chrysler Capital, that the plan would start as per XX/XX/XXXX and the Money would be withdrawn from my Bank account with XXXX XXXX XXXX, account ending of XXXX. 

In addition, I was informed that the plan would be in effect until cancellation, in which case I was advised to visit Manage Auto Pay on the account summary or contact XXXX XXXX XXXX XXXX. Furthermore, I was informed that if I had any questions about the recurring payment plan related to my account XXXX I could contact Chrysler Capital directly. 
All signed by Chrysler Capital, XXXX XXXX XXXX, XXXX Texas. 

XX/XX/XXXX I visited the website and paid the XXXX XXXX payment since I was unsure if the plan would cover that payment as well. 

The next thing I learned was on XX/XX/XXXX, that Chrysler capital has reported me to the credit bureaus for an overdue account. 

When I called Chrysler Capital I was informed that the Recurring payment plan was for unknown reasons never made effective in their end. 

I claimed that I have a print of the confirmation of my subscription to the recurring payment plan and that I never got the information that it was not in effect. Also, I informed them that I never received any reminders or notice that I would be reported to the credit bureaus. 

The first person I spoke to was XXXX from customer service, who was kind enough to escalate the matter to the Executive Office, where I spoke to XXXX. 
She confirmed that my attempt was filed in their end, but again she could not explain why the subscription was not effectuated. 
She asked me to send a copy of the confirmation, which I did. 
After that, another individual from the Executive office called me and informed me they could not withdraw the report since it was my responsibility to make sure the payment plan was in effect. 

I informed her that the money was available at the account I had designated, so it has not only been my intention to pay but I was proven capable of doing so as well. 

I hereby complain about Chrysler Capital handling of my case and their report to the credit unions even though the lack of payments was their fault. 

It is important here that my credit score went from XXXX to XXXX, which undermined my capability of refinancing my house. 
Sincerely XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX PA
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated the federally protected consumers rights to privacy and confidentiality under 15 USC1681. 
XXXX  account # XXXX XXXX account # XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) account # XXXX I looked at my Transunion report on XX/XX/year> and noticed that somethings are incomplete and inaccurate according to the Fair Credit Reporting Act. Whenever a consumer agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy according to 15USC1681 ( e ) ( b ) And according to 15 USC1681i ( 5 ). They are suppose to do this treatment of inaccurate or un verifiable information .In general after any reinvestigation under paragraph ( 1 ) and information disputed
Product: Credit card or prepaid card

In late XX/XX/XXXX I purchased 4 cobalt blue plates from the XXXX XXXX XXXX  XXXX XXXX  store for approx {$32.00} on my XXXX  XXXX card. I did not receive an invoice until XXXX which would have been the 2nd invoice for this account. When i received this invoice it had on a late fee already. I called Customer Service and the woman I spoke with told me I did not pay the first invoice mailed to me. I explained i had not received a 1st invoice only this one. She said she would credit the late fee if i would send the amount owed of which I did ... ... {$35.00}. That check was sent and cashed on XX/XX/XXXX. This is now XX/XX/XXXX and I've received another invoice for {$100.00} which is solely made up of late fees. I spoke to XXXX on XX/XX/XXXX in customer service and she explained that since my check was 2 days late I was being assessed a late fee for XXXX and now another late fee for XXXX bringing the bill to {$100.00}. I refused to pay late fees for something I've already paid in full for. I spoke to XXXX, supervisor ; spoke to XXXX 's supervisor ; and than XXXX in Past Due Dept. All of them have told me that they will keep assessing late fees until I pay them. I think this is blackmail. How can you keep assessing late fees for something that has already been paid in full. I was on the phone 2 hrs with XXXX  XXXX. I told the 3rd person I spoke with that I would return the plates for a refund and then I don't owe anything. She said that wouldn't make a difference as the plates were paid for ; however, I was getting charges for the late fees. This makes no sense to me. This should just be written off, of which they told me their computer only allows one write off ... ... does the computer run the company?
Product: Credit reporting

I am a victim of identity theft and I have an unauthorized and fraudulent inquiry listed on my Trans Union credit report. The following inquiry is unauthorized and fraudulent : XXXX XXXX Bank, XXXX/XXXX/15
Product: Credit reporting, credit repair services, 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 right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a 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 late for purpose
Product: Prepaid card

I was the victim of fraud involving a {$350.00} transaction processed through my Revolut prepaid card account. I was deceived by a scammer into authorizing this transaction under false pretenses, believing it to be legitimate. Despite Revoluts claim of performing security checks, the transaction was allowed to proceed. 

The payment processor, XXXX, later acknowledged that the account associated with the scam was fraudulent and confirmed they blocked the scammer. However, XXXX failed to prevent the fraud because their system allowed the transaction to process without verifying proper identification as required by their own KYC ( Know Your Customer ) policies. For instance, XXXX policy requires a U.S. citizen to submit a valid passport, but I did not provide one, which should have automatically prevented the transaction.

Revolut has since declined my dispute, claiming I manually confirmed the transaction, but this was done under fraudulent circumstances. Their refusal to investigate or refund the transaction violates their obligation under Regulation E to protect consumers from unauthorized or fraudulent transactions. 

I request that the CFPB investigate Revoluts failure to prevent this fraud and require them to issue a refund. Additionally, XXXX should be held accountable for their failure to enforce their own KYC standards, which directly enabled the scam.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions The Company failed to provide a validation letter to the consumer as proof of debt therefore my rights have been violated
Product: Debt collection

I had gone to XXXX XXXX on XX/XX/XXXX for XXXX. My insurance at the time covered 50 % of it. I paid half on XX/XX/XXXX on my XXXXXXXX XXXX card, the invisalign arrived on XX/XX/XXXX and I had to pay the other half. ( it had to be paid in full before they could give me the trays ). I put that on m XXXX XXXX as well. Everything was paid up front. I had contacted the insurance company ( XXXX XXXX ), as well as XXXX XXXX to confirm that me switching jobs would not interfere with this since it was paid in full. They said since it's paid, there wouldn't be any issues. I started a new job on XX/XX/XXXX. I finished my invisalign on XX/XX/XXXX. i received a bill stating that my insurance only paid half and that i owed {$990.00}. I got in touch with XXXX XXXX as soon as I received it and they said that the insurance denied the claim. I explained that I had already paid everything and that I no longer have that insurance. They said they aren't sure why it was resubmitted and to contact the insurance company, which I did. The insurance company said the claim was resubmitted once the treatment was completed and there's nothing they could do. So I Contacted XXXXXXXX XXXX back and they said it would be taken care of. The guy I spoke to was XXXX. The next thing I know, I receive a notice from a collections company ( Harris & Harris , LTD. ) and have received daily phone calls. I have explained to them that this was paid and it should've never been sent to collections. If needed, I'm sure I can try to contact XXXX XXXX and get the statements from XXXX of XXXX. 

I also mailed a dispute to Harris & Harris on XX/XX/XXXX explaining this same situation and nothing has been resolved.