23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a collection letter from Resurgent Capital Services attempting to collect a debt. Upon review of my records, I could not find evidence of that debt. I wrote to them requesting the verification of that debt. I received a reply today but the debt and creditor were unfamiliar to me. The alleged debt was originated in XX/XX/XXXX. I have never had a credit account with the original creditor reported. The debt was charged off in XX/XX/XXXX. The debt is not mine
Product: Credit reporting or other personal consumer reports

As a loyal customer, I have always strived to maintain a good standing with my mortgage provider. Prior to XXXX bank acquiring my loan I have never been late paying my mortgages. However, I recently discovered that a late payment was reported on my credit report. After reviewing my account, I believe this was an oversight caused by the lack of an online autopay option in your payment system, which I have always relied upon with other service providers to ensure timely payments. 
XXXX process for setting up autopayment was archaic and overly cumbersome to setup. It required me to ( 1 ) call customer service ( 2 ) customer service needed to email me a password protected form WITHOUT the password ( 3 ) a separate customer service representative would call at a later time to verbally give me the password. ( 4 ) The password verbally communicated was valid for a short period of time. ( 5 ) If the password wasnt used within the allowed time frame, the process needed to be repeated all over again. ( 6 ) once the form was unlocked, it needed to be printed ( 7 ) completed and signed by hand ( 8 ) them mailed back to XXXX Bank. This made it extremely difficult for me to set up autopay, which I heavily rely on to maintain timely payments of all my bills. 
XXXX Banks online payment system allowed me to store my payment account to make one-time payments and schedule a payment but had NO autopay option. My previous and other mortgage provider ( XXXX XXXX ) has an online autopay setup option.
Product: Vehicle loan or lease

I was talked into adding stuff to my car loan without understanding and they charged me interest on the products added which had nothing to do with my loan for vehicle
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following XXXX  in my credit file. The items I dispute are also encircled on the attached copy of the report I received. 
My credit report and score falsely sanction me for a vehicle XXXX  that is inaccurate. The vehicle listed as XXXX  under my name on my credit report was in the state of theft and not in my possession as you will see on the attached Theft Report. The car was stolen on XX/XX/XXXX and not in my possession. 
My XXXX XXXX suffered immensely as did my financial future. I can not refinance, nor open a credit card account, buy a house, buy a car after mine was stolen, rent an apartment. My insurances went up, my checking and savings bank of XXXX  years, XXXX  XXXX XXXX closed my accounts. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX that is registered in my name, wrongfully so as I was never in default as you will see in the attached financial statement from XXXX XXXX XXXX XXXX XXXX ). TFS extra contractually XXXX  the vehicle and impounded it to a lot where it was XXXX. 
It was not in my possession on XX/XX/XXXX. 
This credit report and forever stamped XXXX  is inaccurate. I am requesting that the item be deleted. 

I called the credit bureaus and no help. I called and called XXXX and they were going to auction my car they had NO EXPLANATION AS TO WHY IS WAS XXXX. Nothing in the contract. I still paid to get it back reinstated account and they still reported repo. Please help XXXX XXXX XXXX are conducting bad business, unlawful repo, destroying my life, mental health. When I did nothing and my car was stolen.
Product: Checking or savings account

I am filing a formal complaint against Experian XXXX XXXX regarding the unlawful withholding of my federally protected Social Security XXXX benefits. On or around XX/XX/year>, a one-time payment of {$15000.00} was deposited into my Experian XXXX XXXX account from the Social Security Administration . This was a legitimate XXXX payment, and I have been a consistent user of this account for years. 

Shortly after the deposit, Experian froze my account due to suspicious activity. I immediately submitted all required documents, including my government-issued ID, my SSA benefit verification letter, and screenshots from my SSA.gov account confirming the deposit. Despite full verification and the lawful nature of this deposit, my account remains suspended, and I have been denied access to my funds.

This is causing extreme financial hardship and emotional distress. These are federal funds protected under Regulation E ( 12 CFR Part 1005 ), and Experian has no legal justification to continue withholding them. There are no fraud claims, no overpayments, and no communication justifying this freeze. This is a violation of my consumer rights, XXXX rights, and federal banking regulations.
Product: Student loan

I just refinanced my student loans and XXXX is my brand new loan servicer for my loan. I sent in a check to make an extra payment on XX/XX/18. I wrote in the memo area the " note id '' number from my statement. I wrote " ID : XXXX '' because I figured there are lots of different numbers on the statement, and I wanted to be clear that was the note id number so it would get processed correctly. 

On Tuesday XX/XX/18, I saw that my check for {$1200.00} had cleared the bank but it was not applied to my student loan balance. On Friday XX/XX/18, my student loan balance still hadn't gone down. I called and spoke to a customer service rep who said payments are processed at XXXX XXXX  and it takes two business days to post to the account. We did the math, Tuesday, Wednesday, XXXXXXXX XXXX, Friday, and the customer service person said it should be posted by XXXX XXXX Friday. 

Today is Tuesday XX/XX/18 and my student loan balance still hasn't changed. I called XXXX and two phone calls and lots of back and forth they were able to figure out that they had misapplied my payment to the wrong account. They said it was because I had put the note id number on my check instead of the account number. I pointed out I was not given any specific instructions about what to put on the check, so I used the number I had from my statement which was the note id number. And I labeled it " ID '' to be clear that it was the note id number. 

The customer service supervisor I spoke with said that my payment was applied to an account number that is the same as my note id number. He said this error happens sometimes. I am concerned that their payment processing system is insufficient because it is designed in a way that leads to errors. 

First of all, they should be able to process a payment that is flagged using any one of the numbers they assign to customers, which from a customer 's perspective are pretty much indistinguishable from one another. Second, since they use multiple different numbers, they should distinguish these numbers from one another in a way that prevents this type of error. For instance, if the account number is separated by dashes and ends in two zeros, whereas the note id number starts with the first letter of the last name, or whatever. Their system should be capable of identifying the numbers they create and design and apply payments correctly to the correct accounts. 

I'm concerned they are not handling payments professionally and responsibly. Their payment processing system has design flaws that inevitably result in errors. It is designed to fail. 

Furthermore, I was dissatisfied that I had to call back several times and do unnecessary follow up to try to track down my payment. The problem was not resolved quickly or efficiently.
Product: Credit card or prepaid card

A previous complaint was filed with CFPB. That complaint number was XXXX. This complaint is in follow up to that complaint. Discover replied that they had corrected the error when in fact the error was not fixed. 

On or about XX/XX/2017, I made a purchase for two airline tickets from XXXX. The dollar amount was {$490.00}. One of  the tickets was cancelled and the airline refunded the money to us. However, to this date Discover has not provided the refund to us that the airline issued. 

A credit was issued by Discover on or about XX/XX/XXXX. This credit is sitting on an old account and needs to be transferred to my new account. Every time Discover transfers this credit to my account, they offset the credit with another charge of {$490.00}. To date, my Discover card balance still reflects me being charged for two tickets, not one. I have attached a screen shot that shows this. Whenever I speak with a Discover representative, they tell me that there is a  credit that was provided on XX/XX/XXXX. However as you will see on the screen shot, there is no credit for XX/XX/XXXX. 

My balance currently is {$490.00} more than what the balance should be. Discover needs to stop misleading the CFPB and they actually need to fix this issue immediately.
Product: Checking or savings account

I opened a Business Checking account after seeing a promotion ( BIZSUM1 ) that paid {$400.00} after opening the account and depositing {$5000.00} within 30 days. I opened the account in the XXXX XXXX XXXX branch as required by the promotion. The banker couldn't find the promotion code. Instead, he used a code that was close. However, he couldn't give me the details ( reward and terms and conditions to get the reward ). I called customer support twice and send an email but haven't received the required information. I haven't received any response from the bank in reply to my email. I feel I am being pushed around and need your help.
Product: Debt collection

So I have a debt from XXXX that I was garnished for back in XXXX ... this debt fell off my credit and close like a year ago and is over 10 years old .... all of a sudden I get a court paper saying I'm going to be garnished..I never got and contact saying the debt was re opened ... I never got any paper or calls or even a chance to make payment arrangements just a paper saying I'm going to be garnished ... this feels illegal there has to be a way to make payments right? Shouldn't they have to have legally at least had to contact me and talk to me! Can you help I'm at a loss and can't afford garnishments this is wrong!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting information to my credit file showing a closed account with an outstanding balance of {$3200.00}. They are also reporting incorrect monthly installment payments of {$400.00}. This is also incorrect. This account was paid in full in XXXX, therefore, XXXX should be reporting a XXXX balance. On XX/XX/XXXX. XXXX, I filed an online dispute with Equifax to report that the {$3200.00} balance reported to my credit file by XXXX XXXX was incorrect. On that same day I contacted XXXX and was told that my account was paid in full. Equifax completed their investigation on XX/XX/XXXX, but did not correct my credit file because, according to them, XXXX XXXX told them that their reporting was correct. I contacted XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX and was each time was told that my account was paid in full and showed no balance owed. 

I am hereby filing a complaint against both XXXX XXXX and Equifax because their reporting errors are negatively affecting my ability to obtain credit due to being over obligated.
Product: Credit reporting or other personal consumer reports

EXPERIAN, XXXX XXXX XXXX XXXXXXXX is breaking the consumer law pertaining to and any other accounts. I've uploaded documents thats confirming and the law their VIOLATIONING IM DEMANDING this ACCOUNT be corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation stress if this isnt resolved I will have no choice but to move forward with litigation STOP VIOLATING THE CONSUMER LAW UNDER TITLE 15 COMMERCE & TRADE
Product: Credit card or prepaid card

On XX/XX/2023, Been scammed on XXXX XXXX place. I have listed an item for sale for {$700.00} and buyer/scammer had offer to purchase and wanted to use XXXX. Buyer had a fake XXXX  email account. Scammer stated overpaid. I have sent a XXXX payment to buyers email address, {$400.00} refund. Scammer had requested a XXXX payment through friend and family has he claimed to have a issue with XXXX. I sent {$400.00} on XXXX on my Credit Card XXXX Bank of America. The payment had posted on my credit card account XX/XX/2023. Had made fraudulent claims with BOA over phone
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under XXXX U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Debt collection

I have sent several letters to the debt collector explaining that the debt is not mine. I have also sent letters to three credit bureaus. One successfully removed it but the other two did not. they are in violation and not in compliance.
Product: Credit card or prepaid card

I HAD A PLUMBING COMPANY COME TO MY HOME AND DO WORK FOR ME WHICH THEY CHARGED ME XXXX I PAID THEM WITH MY FEDELITY VISA CARDND  I DID AUTHORIZE THIS CHARGE AND GIVE MY CONSENT FOR THEM TO TAKE XXXX XXXX OUT OF MY CREDIT CARD ACCOUNT. HOWEVER A FEW DAYS LATER THEY CHARGED MY ACCOUNT AGAIN XXXX WITHOUT MY AUTHORIZATION OR CONSENT TO DO SO.. I CALLED THE  PLUMBING COMPANY AND ASKED WHY THEY CHARGED MY ACCOUNT AGAIN AND NO ONE HAS A ANSWER FOR ME. I REPORTED FRAUD TO MY FEDELITY VISA CARD ON XX/XX/18 SPOKE TO REP XXXX ID # XXXX WHO SAID THAT HE FILED THE FRAUD COMPLAINT AND GAVE ME A CASE # XXXX I RECIEVED A PHONE CALL FROM A XXXX  @ XXXX EXT XXXX BUT THAT EXT DOESNT WORK SO I CALLED BACK AND SPOKE TO REP XXXX ID # XXXX WHO WAS SO NASTY AND RUDE AND KEPT CUTTING MY NIECE OFF WHO WAS ON THE PHONE HELPING ME SO WE ASKED TO SPEAK TO A MANAGER XXXX MANAGER GOT ON THE LINE ID # XXXX AND SAID THAT THE FRAUD WAS NEVER FILED IT WAS ONLY PUT IN DISPUTE SO WE TOLD HIM IT WAS FRAUD. HE SAID HE WAS PUTTING IT IN FRAUD AND SENDING A NEW CARD TO ME.THESE PEOPLE ARE VERY RUDE, UNPROFESSIONAL, AND THEY LIE AND DONT DO WHAT THEY SAID. I AM A SENIOR CITIZEN AND I LIVE ON A FIXED INCOME I CANT AFFORD XXXX TO BE TAKEN OUT OF MY ACCOUNT THIS PLUMBING COMPANY STOLE FROM ME. I NEVER AUTHORIZED THIS CHARGE AT ALL THE ONLY ONE I AUTHORIZED WAS THE XXXX CHARGE. SO THIS MEANS THEY KEPT MY CREDIT CARD INFO AND THOUGHT THEY COULD TAKE ADVANTAGE OF ME A STEAL MY MONEY THAT I DONT HAVE, AND NOW VISA ISNT EVEN HELPING THEY ARE PROLONGING ME GETTING MY MONEY BACK BECAUSE THEY KEEP SAYING THEY FILED FRAUD BUT THEY NEVER DID THEY JUST PUT IN DISPUTE AND THIS IS NOT A DISPUTE. PLEASE HELP ME GET MY MONEY BACK
Product: Credit card

I received a credit card account summary, with a {$170.00} balance. 
This account summary is in error, if not fraudulent. 

I havent used a Discover card in years, and with all my credit cards, I set up auto bill pay. And, I don't carry have a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( 5 ), 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 creditor. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There is an account listed on my credit file which is NOT accurate and I do not owe this and have disputed with nothing being received. My family has always had medical coverage. Please help assist Commonwealth Financial Systems
Product: Debt collection

I received an alert that a collections account was added to my credit report on XX/XX/year>. I had never been contacted nor did I receive any written notification regarding this matter. So I did not have any phone numbers or an address to contact them. I filed a complaint previously but it was closed due to lack of information.
Product: Credit reporting or other personal consumer reports

Remove these inquiries, please. I'm unaware of the details, and the company acted without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is fraudulent activity on my credit report. I recently received my XXXX copy B from this IRS from both XXXX and XXXX XXXX XXXX XXXX XXXX XXXX The IRS accepted both documents I filed XXXX with XXXX and XXXX with XXXX. 
I expect these accounts on my credit report to be resolved immediately due to the Securities Exchange Act, as well as the Federal Reserve Act Section 29, 12 CFR215.11, due to breach of fidicuary duties.

My consumer rights have been violated and there are numerous UCCs that support my claim.

15 U.S. Code Chapter 41 15 U.S. Code 1693 UCC3-419 15 USC 1692a ( 3 ) 15 USC 1681a ( c ) 15 USC 1602 ( i ) I am aware of both the indenture trustee and trustee of both XXXX and XXXX XXXX XXXX and if this matter isnt resolved, I will have to take legal action within 30 days of notice.
Product: Mortgage

Went into mortgage negotiations and was told XXXX % down required depending on appraisal. Appraisal came back above the sale price. Lender said only option was XXXX  % down XXXX  days before close. He had us raise the sale price to cover some closing costs but then did not increase the loan amount which cost is every dollar in savings. I spoke to the branch and regional manager and they said this was not preditory and said they would call back and have not. They tried to blame me, my wife, my credit, my property and said since this was my first time I misunderstood ...... no, they lied
Product: Student loan

I 'm XXXX 2017, I was informed by NAvient, that I was being charged a late fee on top of my scheduled monthly payment 131 payment plan. On the recorded line I request that Navient change my due date from the XXXX of every month to the XXXX of every month. To match my auto withdrawal date on payment plan, So that I would n't incur a XXXX dollar late fee. I told Navient I would sue them for not doing as I requested because they are costing me more money than I need to pay. The supervisor XXXX told me he would fix everything by XX/XX/XXXX and credit my account for the past three month my account wrongfull inccured late fees, so I have to call Navient once more to ensure that this is done the first week in XX/XX/XXXX