23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Chase bank puts holds on all of my purchases, debit and credit. I always go to the same gas station and the debit purchase is ALWAYS on hold for at least 2 days. They have a policy of not charging overdraft fees for under {$5.00} -- yesterday was the day before payday, so I was going to put {$4.00} in the tank like I have to do sometimes but the pump was stuck and ended up giving me {$5.00} - I went to the bank branch nearby ( they are always very nice ) and they looked at the history and said that yes it should take a few days to go through and since I got paid today, there should be no overdraft fee. 
I have noticed that WHEN they can charge a fee for a purchase, they will have that purchase go through that same day instead of pending it for a few days. I was charged a {$35.00} overdraft fee because they did n't hold this purchase like they normally do - I realize it was my fault technically for going over the {$5.00} mark by XXXX cents, but it is these overdraft fees that make it very hard to pay my student loans and other bills and lead to further overdraft fees because I am always playing catch up ... It seems like they are not playing fair by choosing what purchases to " pend '' and what ones to rush through just so they can charge a fee. Because I try my hardest to pay all my student loans and rent, etc on time, I live paycheck to paycheck and often have to rely on that & lt ; {$5.00} rule - but I still have paid Chase over {$200.00} in overdraft fees since XX/XX/XXXX ... It is a HUGE burden on XXXX people, on people struggling with masive amounts of student debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

XXXX XXXX, with CFM Group, contacted our company via email attempting to collect for open invoices.

We requested signed Proof of Deliveries ( P.O.D. ) for the invoices before the invoices would be paid immediately and to contact the vendor 's district manager in regards to this matter. 

Ms. XXXX stated that invoices do not need a signed delivery verification. I stated that we have a written contract with the vendor requiring signed P.O.D. 's before invoices would be paid. 

Ms. XXXX stated that she had a copy of the contract and that it states no such requirement. I asked for a copy of the contract to be emailed to me. 

Her email response : " I will just allow this debt to remain her in collections and on your credit as negative mark. Will not go back and forth with you in regards to your credit/debt. '' In conclusion, Ms. XXXX used lying tactics in order to collect this debt. 

If copies of the email correspondence are needed, please do not hesitate to request the correspondence from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with two Office of the President agents at Capital One. The first one left me a voicemail and the second agent I spoke with provided me the ID number XXXX on XXXX. She informed me that Capital One approved the goodwill letter adjustment I requested due to COVID hardship as well as paying my account off early, to remove late payments from my credit report. They provided the goodwill adjustment to all three credit bureau offices to have the late remarks removed as a courtesy, however, the bureau 's will not remove them from my report.
Product: Debt collection

I discovered on XX/XX/XXXX that my XXXX credit score had dropped by XXXX points. After looking at the report I discovered that XXXX XXXX XXXX XXXX had sent a bill to a debt collection agency ( I C Systems Collections ) for collection against me for {$1000.00} for a delinquent account that had been opened using my SS # on XX/XX/XXXX with a bogus name and an address unknown to me.
Product: Debt collection

I have been trying to settle an account with XXXX. In XXXX, I had been in contact with XXXX XXXX. I called him several times in an attempt to settle my account with him, but he would not offer a settlement to resolve this outstanding balance. I left several emails and made numerous attempts to try and resolve the matter ; but XXXX XXXX refused to give an offer and never returned my calls. I believe that XXXX  is in violation of UDAAP Unfair, Deceptive, or Abusive Acts or Practices. Not offering a settlement to resolve the account, not returning phone calls, basically ignoring my efforts for resolution. Instead of them working to help me resolve the issue they just took matters in to their own hands and issued a garnishment. I have tried to contact them concerning there actions as of XX/XX/XXXX where I was asked numerous times to leave a message and have not had a response from there office. I Have requested to speak with management only to be told I dont know how to reach a manager you will need to leave a message and they will return your call. In which I have never received a return call.
Product: Credit card

I purchased a XXXX XXXX through XXXX XXXX in XX/XX/2022. The first year has a XXXX percent interest. In XXXX, I received notice that XXXX XXXX was being purchased by Comenity. I attempted to login to pay off the balance of the bill to avoid the interest for the previous year. The dfs.dell.com website said the accounts were transferred to Comenity 's web site, and I would need to register and set up the account. I receive my statements electronically, but instead of an actual document, it's a link to the XXXX credit website. Comenity does not let me log in, does not accept the XXXX account number, and will not provide the account number through phone verification. Until the very end of XXXX, there did not appear to be any contact information for addressing the account issue. When I logged in again XX/XX/XXXX, a phone number was provided on the login page. The pre-recorded message stated that my account number is on my most recent statement. The statement that I did not receive. After connecting with a customer service agent, I was told the $ XXXX interest was added, but a dispute could be filed because I had no way to log into the account and pay off the balance. The customer service rep took what should have been the final payment of {$2200.00} and said she submitted a dispute for the additional interest that was charged. She also stated that my account number would be mailed out. I received the dispute letter the following week. However, I have yet to receive my account number. I contacted Comenity again today ( XXXX ). I was told it was sent out, and the {$700.00} is still on my account. I have no way to access historical statements through XXXX, or my current account in Comenity. I also do not feel I should be required to pay the $ XXXX in interest because I was not able to pay the balance due to the change of ownership of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit reporting agency is reporting inaccuracies information on my credit file. The credit reporting agency is reporting the collection account XXXX XXXX XXXX as being my account which is inaccurate
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AR XXXX XXXX : XXXX Sos : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  To : Attn Supervisor Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Dispute of Fraudulent Accounts and Inquiries FTC Complaint : XXXX Dear Sir or Madam, I, XXXX XXXX XXXX hereby state that the information provided in this letter is accurate to the best of my knowledge. Several accounts and inquiries are being reported on my credit report that I have no knowledge of and believe to be fraudulent. 

As a result, I have filed complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) under the reference numbers provided above. I kindly request that you review the following details and take the appropriate action to remove these accounts and inquiries from my credit report. 


-- - Accounts to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts and items were not authorized by me and are fraudulent. I have no knowledge of their existence or activity. 

I have attached and uploaded the following documentation to support my dispute : Copy of my government-issued ID Copy of my Social Security card FTC complaint Notarized Affidavit Personal statement letter
Product: Credit reporting or other personal consumer reports

I purchased a USED XXXX XXXX from XXXX XXXX in 2023. They told me they were adding gap coverage due to the high amount might loan was as well as a warranty into my total price. They charged me almost XXXX XXXX for a car that was worth XXXXXXXX XXXX at the time. I was completely taken advantage of as he knew I was new to the car process. After a few months an issue came up with my vehicle that required work that should have been covered by my warranty, I called XXXX XXXX  to find out that they had closed. I had to XXXX who had my loan and what was happening, they sold my loan to WESTLAKE PORTFOLIO MANAGEMENT and I needed to get ahold of them. Upon getting ahold of them they informed me that Westlake was NOT honoring any of the warrantys that we paid XXXX XXXX for and if we wanted the refund we had to deal with XXXX XXXX. Fast forward after dealing with that issue myself my car was totaled in a hit and run. I called Westlake and they informed me they were not honoring any gap coverage that we may have paid the company for. I was paying XXXX XXXX a month for over a year on this vehicle, after it was totaled Westlake was telling me I still after a year of paying owed almost XXXX XXXX on the car. They also informed me that due to them not being able to honor my GAP coverage that XXXX XXXX took money from me for I had to pay back this XXXX . My insurance paid out XXXX to Westlake leaving me with XXXX & to pay. I dont know what happened to my payments made to XXXX XXXX before they went out of business ; I dont have any money from any warrantys or gap coverage back and now this company wants XXXX XXXX for a totaled car while they RUIN my credit. I need some help with where to turn next. Westlake will not help me. They have since written off the XXXX XXXX  they are still saying I owed as a bad debt on my credit. So now my credit is suffering tremendously. This company has taken so many peoples money, I dont believe I owed them that.. and I would like it taken off my report and labeled as a closed account.
Product: Debt collection

Convergent Outsourcing is falsely reporting a debt as being opened much later than it originally was in an attempt to force me to pay them I have no contract with them and was not informed they would do this when I disputed this information with XXXX  they not only verified the debt as accurate but when asked to send me a written response they instead just updated the debt as a missed payment once again re-ageing this debt is illegal on their part as I can only be held accountable for the actual dates the debt was incurred my attempts to resolve this issue and simply report the correct dates have been met with both them and XXXX  simply adding new dates from this year onto the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

this was paid off and closed XXXX is reporting incorrectly on aall my bureaus
Product: Debt collection

Between XX/XX/XXXX and the present date, I have attempted to pay back my federal student loans 7 times to Edfinancial using their website, contact with a representative, and payment over the phone. And nearly every occasion my account appears to be processing the payment only to put it back into my account and email me that I still owe them money. I have attempted to contact edfinancial multiple times over the last three months. I have sent three emails which have gone unanswered. I have attempted to contact via online agent services which do not work and I have always been messaged that no agent is available to help me even during their regular XXXX working hours. On only one occasion was I able to contact an agent through the phone. This agent was confused about why this was happening, could give no explanation and attempted to say the problem was due to my bank. I contacted my bank ( XXXX ) and the bank says that unconnected to Edfinancial, there are no problems with my account, and they are not responsible for the problem. 
I have enough money in my savings account to pay my loan back and have made many attempts to do so in good faith. I am submitting this complaint today for two reasons. First, all attempts to pay my loans back has been rejected for no reason that Edfinancial can explain. Second, I have spent many hours emailing, waiting on the phone line, and attempting to pay online, but Edfinancial has made it almost impossible to contact them directly, or allow me to communicate this information.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  CO - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1600.00}
Product: Credit reporting, credit repair services, 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. 

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, 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: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : BANK XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$3200.00} Account Name : XXXX OF XXXX # XXXX Opened XX/XX/XXXX - BALANCE {$3700.00} Account Name : XXXX COLLECTION SV XXXX XXXX DATE OPENED XX/XX/XXXX - {$12000.00} Unauthorized Inquiries : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Upstart Loan # XXXX was paid off in full in XX/XX/XXXX. 

By XX/XX/XXXX I noticed the account still showed as active in my credit report and with a balance of ~ {$630.00}. 

I emailed XXXX with my concern. They said it may take 7 days from the final payment for the account to be reported closed to credit bureaus but it had already been 3 months since the final payment and this account still showed up as active in credit reports. 

Yesterday, XX/XX/XXXX I noticed the account is still open and showing a balance owed of {$630.00} so I contacted Upstart again. They are saying the account was reported closed, but it continues to show on my credit reports. It has been 11 months since the final payment, and I find it completely unacceptable that the account still shows up as open and with a balance on my credit report. 

Upstart needs to do more to be proactive and resolve an issue like this, but in our communications has been dismissive, so I am filing this complaint. Email correspondence attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

BMW Financial Services billed me for what they claim to be damages and monies owed on our XXXX XXXX  XXXX that was returned in XX/XX/XXXX. The vehicle was returned with XXXX less miles than originally agreed upon. The value of the vehicle is MUCH higher because the mileage was so low. They are claiming that I owe them $ XXXX for missing a scheduled service. They are claiming that I owe them for 4 new wheels because of a ridiculous standard that they set. They are claiming that minor scratches are expensive and need to be paid for. This vehicle was never involved in an accident and was returned in GREAT condition. They sent a " MAJOR DEROGATORY '' claim to major credit bureaus which lowered my EXCELLENT credit score by over 130 points affecting my ability to borrow money. They are bullying me as a consumer and think they can charge consumers any amount that they deem necessary at the end of their lease. This is not fair and I will not be taken advantage of. I need all negative items removed from my credit reports and my credit score restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXXXXXX, XXXX  Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX, and XXXX  Account XXXX XXXX XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

My account with XXXX 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. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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: Debt collection

Was advised by email on XX/XX/XXXX my borrower defense discharge was approved and I did not have to make any further payments. On XX/XX/XXXX only a vouple days past the due date and despite having no consent to use my cellphone number Navient started calling. They called using a robo dialer at least XXXX on the XXXX, XXXX on the XXXX, XXXX on the XXXX even after I answered and reiterated they do not have consent to call this number or robo dial as they were doing. They called back within XXXX hours of being reminded they did not have consent and they are not to call this number. Again they were told the number should not be called. They do not have consent to call the number or robo dial as they were doing. They proceeded to call back XXXX more times on the XXXX and once on the XXXX.
Product: Credit card or prepaid card

On XX/XX/2020 I purchased and airline ticked with my Chase Credit Card on XXXX. The flight was scheduled for XX/XX/XXXX with a return on XX/XX/XXXX. Due to Covid 19, and border closures, that Airline canceled the flight. 

The amount paid for the ticket and is {$860.00} XXXX {$860.00} I disputed the charge with a credit company because the airline did not want to provide a refund. In the beginning, the amount was credited back to my account, but on XX/XX/XXXX the Airline sent a bogus response to the credit card claiming that the ticket was valid and it looked like they were claiming that the flight took place. This already seems like a fraudulent tactic by the airline. 

At this point, Chase sided with XXXX and added the charge back to my account including interests. 

I have provided chase with all the documentation needed to resolve the dispute in my favor, but they have declined to return my fund on two occasions, claiming that they can not do anything on their side. 

I have also contacted XXXX and they claim that Chase has already taken the funds back. They have also denied issuing a voucher. 

I would like you to assist me in getting a refund for the full amount from Chase or XXXX.
Product: Debt collection

Fraudulent accounts. Opened without my knowledge, consent, or authority.