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

On XXXX XXXX, a payment was paid and processed of {$39.00} on the same date the account was closed due with a balance for only the transaction I made the day before the closure. I contacted discover XXXX that morning no one I spoke with could tell me reason why but told me I could open a new account. Then I was told a supervisor would be calling back in XXXX hours. I never received a call, I was admitted into XXXX on XX/XX/2022 and ended up having XXXX finally receiving a letter of unsuccessful payment activity being reason for closure but I always make a payment after I spend. I was told my refund would be issued once transaction posted. After being in the hospital undergoing XXXX and recovering I reached back out to Discover on XX/XX/XXXX, I was told my refund would be issued in 2 billing cycles, I asked to speak with another supervisor representative said she would get me over to the correct department where he could connect me to a supervisor in the account department after XXXX minutes of waiting I was placed on the phone with a representative in the account department and there were no notes from a previous call or that I requested a supervisor. After asking him for his supervisor given the excuse no supervisor is available to take my call and would call me back in XXXX hours, the same thing I was told last time by a representative in the same level. This isnt right that I have been given the run around for the passed month about my money. Something needs to be done to stop them from doing this to customers.
Product: Vehicle loan or lease

I have still not received any of my personal belongs from when Carmax repoed my car. I also would like for Carmax to stop harassing me at all hours of the day and even weekends trying to call me and leaving the same voicemail. Its getting annoying and honestly inconsiderate in the fact they sold me a car knowing very well that there was no engine immobilizer as well as I have a real heavy gut instinct that someone was sent by Carmax to break into my car and tried stealing the car. And then when not able to they come and repo it. I wont pay for a car that XXXX. Has a high rate of being stolen. XXXX. Lied to about being a top rated car. XXXX. Non stop harassment at literally every hour 7 days a week over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

EVERYTHING ON MY EXPERIAN REPORT IS INAACURATE, FRAUDULENT! I REACHED OUT TO EXPERIAN SEVERAL TIMES IN REGARDS TO MY REPORT AND MY INFORMATION BEING COMPROMISED! NO RESPONSE! EXPERIAN HAS XXXX DIFFERENT ADDRESSES, XXXX DIFFERENT NAMEs and a bunch of Other information that is inaccurate! I HAVE XXXX NAME AND LIVE AT XXXX ADDRESS! THERE ARE ALSO SEVERAL ACCOUNTS THAT WERE FRAUDULENTLY OPENED UNDER MY PROFILE! EXEPERIAN HAS NEVER GOTTEN MY WRITTEN CONSENT TO PUBLISH ANY INFORMATION AS SUCH ON MY BEHALF! I HAVE SENT MULTIPLE DOCUMENTS PROVUNG MY SELF and RESIDENCY! By LAW THIS IS FRAUD AND EXPERIAN CAN BE FINED FOR EVERY VIOLATION!
Product: Debt collection

I received a call from XXXX on XXXX/XXXX/2016 at my place of employment and was left a threatening voicemail from a young lady stating she was from a Claims Department and that it was in reference to serving for a claim of " debt by deception '' that has came across their desk and that they would do a skip trace for my home and employment and was going to summons me to sue in court unless I contacted XXXX referencing case # XXXX. All this information was left on my work voicemail which anyone could access with my personal business on there. I called that number and spoke to a XXXX XXXX and he stated that Check N Go is trying to sue me for Electronic Check Fraud and that I needed to pay them or they will sue me in court. I advised to them that their claims are untrue and that Check n Go refused to work out any payment plans. XXXX XXXX then stated that he was going to pull up a settlement to see what the offer was and advised me to hold. When he came back on the line he stated that the settlement was for XXXX and I could pay that to settle the initial XXXX debt. I then advised him that I could not do that, he then started to get rude and loud stating that it ; s only XXXX you should be able to pay that since you work and was screaming and threatening that he is going to definitely send someone to my place of employment to summons me. He also stated that he would contact XXXX County and then at that time I stated that I never received anything from them regarding this alleged debt. He then stated that it was sent to me in the mail back in XXXX XXXX, 2016, at that point I advised him that I never received anything. He then stated well we have XXXX email on file and we can send it to your email. I saw the email and it 's dated as of today 's date and it 's advising me that I have until XXXX/XXXX/2016 to pay off the debt. When I advised him that his claims as a " liaison '' was false he then continued to become belligerent and loud, stating are you going to pay or not and I advised him no and then that is when he then stated again that he will be sending someone to serve me at my job and hung up. I then called an agency and they advised me to check with the XXXX to see if they were registered to collect in Texas and they showed no registration for XXXX XXXX XXXX out of GA. I then called the XXXX office in TX, they then stated I needed to contact the XXXX office in GA, I contacted them and the referred me to XXXX Consumer Protection Unit where I made a complaint against the agency, then he stated I needed to contact you 'll to make a complaint as well as the Federal Trade Commission. They did not get the debt validated from me because I never received anything from these people but an email that was sent today and dated today. I am making a complaint because I feel that my consumer rights have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 6 hard inquiries with XXXX  and 4 hard inquiries with XXXX  I want deleted because I have no knowledge of my personal information being use to obtain to be use to collect anything on my behalf. I have made many disputes to solve this matter that continues to stay on my credit report an affect my ability to use my own credit. I have lost my personal credit card Sociel security card New York State identification card along with other personal papers work
Product: Consumer Loan

We are requesting of you to fully investigate the accuracy contained in our credit reports. We further believe the credit bureau, XXXX & TD bank are in violation of the following. 

Fair Credit Reporting Act ( FCRA 15U.S.C.1681 Section 616- Willful Non Compliance Section 617- Negligent Non Compliance Section 621- Administrative Enforcement In addition we are requesting to have the entire trade lines Deleted and for the credit report to be marked as Closed Without predijuced
Product: Checking or savings account

Hello : This complaint centers around my two checking accounts that I have at Chase bank. I have banked with Chase for seven years with no issues until now. 

I was recently laid off from my job as a XXXX  XXXX in XXXX XXXX. I moved back to XXXX  to look for work. I applied for unemployment coverage and was approved thru the state of XXXX. Since all unemployment taxes had been paid to the state of XXXX  I was instructed by XXXX   unemployment AND XXXX unemployment that my benefits would come from XXXX  ( despite the fact that I now live in XXXX  ). Both agencies knew I moved to XXXX. On XX/XX/2020, Chase bank ( with NO NOTICE ) froze all of my accounts. I had to call Chase bank repeatedly and every time I called I was told a different story. Chase bank told me that they were suspicious of my account because I was collecting unemployment from XXXX  but living in XXXX. I explained to them the situation numerous times and was told to provide documentation. I have provided numerous pieces of documentation related to my XXXX  unemployment. I have provided direct emails from the state of XXXX  unemployment office. I have called EVERY DAY for the last 20 days! Every day I speak with a new person. Every day I am told a new story. I have called the state of XXXX  unemployment office and they have stated there is NO problem on their end and that they had never heard of a bank doing this before. 

Please, I just want ( and need ) my money released and sent to me from Chase. I am getting nowhere with them after almost 30 days. I can provide full documentation of all my unemployment benefits and correspondence with the state of XXXX. Chase is such a large company that no one seems to care. Thank you in advance for any help you can provide!
Product: Money transfer, virtual currency, or money service

In reference to a previous complaint XXXX I received a generic answer, however SQUARE has still not performed and is still holding our money longer than the promised release date.

Below is the email from Square where they stated we would get our money within 2 business days of XX/XX/2021. They are currently holding {$500000.00} of our money. 





Hello XXXX, Our Account Services team has reviewed your account and determined that we are no longer able to support processing your payments. Starting today, your account with Square is deactivated.

Any funds currently in your account balance will be held for a period of 90 days, and are due to be released to you within two business days after XX/XX/2021. 
Please be advised that the release date and amount available for release are subject to change based on factors that include receiving additional chargebacks after this notice. In addition, chargeback activity on payments unrelated to these funds will result in additional debits from your linked bank account. 
For payments that havent been deposited ( generally in the last few days ), you may consider having your customer pay you by another method ( cash, check, etc. ) and refunding the payment ( s ) back to the original payment card ( s ). The full payment amount will be returned to your customer. Refunds can be issued within 120 days of the original payment date. To learn more about issuing refunds, please visit here.

For more information about our policies, please review the Square Payment Terms.

We appreciate you considering Square for your processing needs.

Sincerely, Square Account Services
Product: Credit reporting or other personal consumer reports

Im confident that I pay on time, but I dont understand why Im being reported as late for some months. Per USC 1666b, any billing mistake should be corrected to show that I paid as agreed.
Product: Credit reporting or other personal consumer reports

Om XX/XX/year> I called into Experian to report that due to them allowing a creditor to post a collection on my account that by experians own records had XXXX possibility of being true and accurate, I had detrimental consequences of being declined for credit bc of the fake collection and also having my current XXXX account restricted due to the serious delinquency and collection account that showed on my report when they pulled my credit a few weeks back. I simply asked then to please supply XXXX XXXX, XXXX XXXX  and any other creditor that has gotten a copy of my report a new one that reflects the updated and deleted information. I was on the phone the XXXX time with a woman for XXXX minutes who put me on hold for what she said would be XXXX minutes and turned out to be XXXX minutes and then she came back to the line and hung up, no return call. I then called back and am currently on the phone with another representative who is also in another country with a serious language barrier and no knowledge of the US laws. The call has been going on for XXXX minutes and I've been on hold again for XXXX min asking for a manager or supervisor. This representative said that they have to follow the laws of the government and they are not allowed to make creditors who obtained my report recently aware of the updated information. When i explained to them that XXXX had told me to do this and that it also states on the FTC website that IF there are any changes or updates to a credit report after a dispute the NCRA are REQUIRED to provide XXXX creditor who obtained a copy of my credit report in the last XXXX months with the updated and corrected information if I request it, he responded that he is just in the dispute department and doesn't deal with the laws and suggested that I file a fraud complaint with them and file a dispute with XXXX. Neither of those options make any sense whatsoever and contradict the policy of the FTC. This system is beyond corrupted.
Product: Mortgage

My mortgage was just recently sold to Nationstar mortgage from XXXX XXXX XXXX. I have been trying to get my PMI of {$160.00} removed since we have 20 % into our mortgage. After several attempts to get the paperwork, I received it 2 months late. I have tried to e-mail, regular mail and have tried to fax it to more than XXXX fax # 's that were giving to me by nationstar employees. The faxes do n't ever go through, and when I call they just give me another # that does n't work. They receive my payment checks but seem to disregard the paperwork about the PMI cancellation. Their lack of professionalism has cost my family hundreds so far.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

usps is posting and reselling consumers information wo consent. creditors and marketers steal such info and use it to abuse the consumer repeatedly. debts under fcra guideline for removal are harassing customer after being removed from credit files. this is extortion. same creditors are attempting to further abuse and repost debt collections activity which is illegal. 

this is allowing companies like capital one to harass and extort consumers because they refuse to sell the debt, negotiate the debt or remove fraudulent debt. this is detrimental to the consumer in ways you cant fathom. 

ALL RESPONSES MUST BE IN WRITING. NO VERBAL PHONE TAG.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFBP lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to invest my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFBPs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Debt collection

On XXXX XXXX 2017, i disputed online to your collection agency asking for validation to this debt. I am not requesting for verification or proof of my mailing address, but a request for VALIDATION. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. A copy of a signed contract by me with your collection office, a copy of the original contract between you and i?? If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

On ( XX/XX/2024 ) I sent an Identity theft letter to ( XXXX XXXX XXXX XXXX XXXX XXXX, NAVY FCU ). I have not received a response nor has ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NAVY FCU ) complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that was mailed on ( XX/XX/2024 ) and an updated FTC identity theft report. To my understanding, according to FCRA, debt XXXX have 30 days to respond to disputes and request made by the consumer. ( XXXX XXXX XXXX XXXX XXXX XXXX, NAVY FCU ) have not made XXXXne call, or sent one letter in regards to disputes I've mailed to them. This is a direct violation of FCRA Section 611 ( A ) ( 1 ). Which is punishable by up to {$1000.00} in fines per violation. If any disputes per the consumer request are not met with proof or verification within the requested and lawful amount of time, this account is to be deleted from the the consumer 's report, as by lack of response and documentation requested it signifies that this account is unable to be validated or verified. This Lack of validation per the consumer request is in direct violation of FDCPA Section 809 ( b ). Attached are the letters I sent plus my updated identity theft FTC report.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/XXXX  XXXX XXXX Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint against Discover card account number ending in XXXX For Inquiries XXXX XXXX XXXX, XXXX XXXX XXXX UTXXXX I have been an excellent client of Discover card for over 20 years. I never missed a payment in my history not only with Discover but with all the other credit cards. I purchased XXXX for XXXX XXXX XXXX In XXXX CA account # XXXX for {$100.00} on XX/XX/2019. The services offered by XXXX XXXX  was not reliable and I called to cancel the order immediately. discover issued a credit of the same amount on XX/XX/2019, took the credit back on XX/XX/2019 and on XXXX onwards started charging penalty of various amounts still as of this month. I had multiple communication by phone and 6 communications by emails. But the irresponsible behavior of Discover and unaccountability of XXXX XXXX ignored all of my emails, never responded to me continuing to charge me late fees and are continuing to report it to the credit reporting agencies. My excellent credit history with a top credit score has been dropped from XXXX to XXXX. Discover and XXXX XXXX has violated all rights under the fair credit act fair credit reporting Act. I hereby request the respected FCFB to investigate this matter and help me to have them issue credit for all late charges and take all corrective actions, penalties to correct any related errors in my credit history. 

Attachment communications with Discover discover statements from XXXX copies of the credit reports
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 XXXXXXXX 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 ( 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. 


( XXXX XXXX, XXXX ) 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 or prepaid card

Home Depot cashier signed me up for a Commercial Account Credit Card, promising deals that do not apply to me. I am XXXX years old and do not have a business. I shop at Home Depot for personal purposes only and I already have a Consumer Credit Card. I ended up with two accounts which created a VERY confusing situation and then I was charged a late fee because of my confusion with due date and I incurred finance charges because apparently with a commercial account you have to pay off the balance which was not clear to me when I was signed up for this. I feel like I was taken advantage of. I have closed the account with I am still reeling from the abuse. 

This is the Home Depot XXXX XXXX in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Product: Credit card

I hope this message reaches you in excellent physical condition. I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditor 's failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement. ( 5 ) A computation error or similar accounting error made by the creditor on a statement. It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I falled to make a payment, resulting in an erroneous designation as late a sign of an invoicing error-therefore. I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : " paid as agreed '' :