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

On XX/XX/2021 I went into my local First Horizon bank the address being XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX, to inquire about why I was charged a XXXXXXXX XXXX overdraft fee. While I was inquiring the teller printed out something and it charged my XXXX to my account. I never saw the print out. Then she has me sit and wait on someone. It was a relationship banker. I had asked for a manager and she said wait and there would be one there. I never got to talk to a manager. So I sit down with XXXX XXXX XXXX to discuss the overdraft fee and pull my account up and see that they charged me the XXXX dollars for a print out without my consent, without my authorization, unbeknownst to me. I then ask XXXX if that was against policy to do that without me knowing and she admitted that it was against policy. I believe its actually against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certificate letter to Equifax on XX/XX/XXXX ( XXXX ) asking to validate XXXX XXXX  XXXX listed on my credit report. Per the FCRA 623 ( a ) ( 5 ) : if the Credit Bureau can not VALIDATE the information with the ORIGINAL creditor, they must remove said information from the consumer credit file. Public records information is NEVER validated by the Recorder of Deeds nor the US Court system due to the Fair Credit Reporting Agency PRIVACY LAW In XX/XX/XXXX Equifax answered my letter with report number ( XXXX ) indicating that they have verified that this public record item is reporting correctly with third party vendor XXXX How it is possible that Equifax verified in XX/XX/XXXX the accuracy of the information by XXXX XXXX, if in XX/XX/XXXX XXXX sent me a letter ( attached copy of the letter ) saying that was unable to verify the accuracy of bankruptcy case number XXXX and subsequently they had removed from their records. It is clear that Equifax used false information to verify the accuracy of the XXXX XXXX XXXX LISTED ON MY CREDIT REPORT, for this reason through this complaint I ask you immediately to DELETED THAT ACCOUNT FROM MY EXPERIAN CREDIT REPORT.
Product: Debt collection

To Whom It May Concern, I have a medical collection for Harris & Harris that is currently reporting to the three bureaus. I also have a medical collection that was not reporting. Today, XX/XX/XXXX, I called Harris & Harris and spoke with XXXX to inquire about possibly settling the debts and having the one collection removed from my reports. 

XXXX advised me that, although I have been making monthly payments on both collections, that they decided to report the second collection to the bureaus on XX/XX/XXXX. I was absolutely shocked to hear this, as I received no notification that they were going to report it. It was also my understanding that by making monthly automatic payments to them, it would prevent them from reporting. 

When I advised XXXX of my concerns, she stated to me that it is completely up to them when they report ( she even mentioned reporting {$5.00} collections after only having them for a few days ) and that despite what I may have understood, making payments will NOT prevent them from reporting. 

According to XXXX, they received the collection in their office on XX/XX/XXXX. If the collection was received on XX/XX/XXXX and it was reported on XX/XX/XXXX, that is one month early from the required 6 months that a collection can not be reported, if you go by the regulations since XXXX. 

However, as of XX/XX/XXXX, the three major credit bureaus changed the amount of months that a collection company can report a medical debt over {$500.00} from 6 months to 1 YEAR. I have attached a screenshot with the changes and the dates that they take effect. You will see that only the practice of not including medical debt under {$500.00} will not take place until the first half of XXXX. 

The new collection being added will have a severely negative impact on my scores, and those points can only be recouped when the collection is removed. Therefore, it appears that Harris & Harris is in violation of the new rules and regulations set forth by the bureaus in what seems like an attempt to force full payment so that it will be removed from my reports. Harris & Harris is conducting what is essentially a bait-and-switch scheme.
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 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 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 reporting, credit repair services, or other personal consumer reports

I have a collection from XXXXXXXX XXXX I have never opened this account with XXXX XXXX  both, the credit bureaus and creditors failed to send out physical documentation stating the DEBT belong to me.
Product: Checking or savings account

I had purchased 3 items for a company called XXXX XXXX XXXX. I had purchased 2 purses and 1 shoe with a total of {$4700.00} on XXXX XX/XX/year>. 

I did not receive any of my orders. Company says it has been delivered but I had never received it. There are clear pictures that the package was left in the driveway of my residence and not at my doorstep. Package was left in the drive way in between 4 units. The residence has a main address and there are 3 other units each with their own door. The driveway is easily accessible to random trespassers. I asked neighbors around the area as well to see if they had seen any packages and they have not.

The company refunded me one item for {$360.00} via check. Other items were not refunded. 
Ive been left messaging the XXXX XXXX and my bank and nobody has any answers. I filed a complaint with the XXXX XXXX XXXX but now I feel like my bank is not doing their job to protect me against this consumer who has many complaints to similar business practice. 

I have all the proper documentation that I have described. I just dont know who else to ask or to turn too.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me. 

I disputed this in XXXX and it was removed by the credit bureaus and it is now reporting again. Please remove.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX RE : Audi Financial Services XXXX XXXX  XXXX XXXX XXXX, IL XXXX Website : audi/fs.com Subject : Financial Services Paperless Invoices Audi Financial Services changed us from Paper statements to Paperless statements in XX/XX/2019 without our permission. We knew nothing of this. I then received a notice that I hadn't paid XXXX or XXXX, received a late fee and my credit was impacted negatively. I called 3 times and they said that they could not handle this over the phone and that I had to change it back via the website. I would have to sign up. I signed up and they still won't allow me access to change. I feel that they deliberately make this difficult ( why could they not change it back via phone ) and that they are just doing this to collect late fees and save money on billing. I feel. I want this changed back and a letter sent to XXXX   and other reporting agencies and all reporting agencies correcting my credit. I have had stellar 835+ credit for years and now it is XXXX through no fault of my own.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for the XXXX XXXX XXXX XXXX XXXX XXXX credit card backed by Commerce Bank. My XXXX credit file was then hard pulled three ( 3 ) times ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Debt collection

This account was erroneously re-submitted on my credit report by Midland Funding LLC. Midland Funding contacted me in 2013 regarding this account and at that time I advisedthem the account was not valid. Midland Funding LLC erroneously pursued this account by filing a civil suit against me with XXXX County Circuit Courts. 

On XXXX/XXXX/2013, I attended the hearing along with Midland Fundingattorneys, at that time I advised the presiding judge this account was not valid and I also advised him I repeatedly advised Midland Funding of the same. The judge requested Midland Funding show proof of the accounts validity. Midland funding was unable to do so at the time of the hearing so they were given a set time to validate this account before the courts. 

Concurrently on XXXX/XXXX/2013, I filed disputes with all XXXX credit bureaus disputing this debt. 

Midland Funding failed to supply proof to the courts validating this debt, so XXXX week before our next court date Midland funding dismissed the case on XXXX/XXXX/2013. Please note the case was a dismissed XXXX days after my dispute. 

Upon dismissal of the case I forwarded this information to all XXXX credit bureaus and the account was removed byall XXXX bureaus. 

After a period of about XXXX year Midland Funding attempted to pursue this same account unlawfully. They attempted to resubmit the account to all XXXX bureaus, XXXX of the XXXX bureaus denied their attempt to unlawfully place this account on my bureau and XXXX somehow did n't verify the previous information sent and placed this account back on my credit report.
Product: Debt collection

I have a a unverified account from  PORFOLIO RECOVERY ASSOCIATES  #  XXXX  .I ha d previously disputed this account. I have never done business wit h PORFOLIO RECOVERY ASSOCIATES.    Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g, I dispute the validity of the debt purport Iowe. I request that PORFOLIO RECOVERY ASSOCIATES Provide verification of the following : 1. ) The original Application or contractany signatured documents  legally binding   XXXX   XXXX   to do business with said company.   2. ) Any and all statements allegedly related to this debt  3. ) P roof of Claim and Full   Contract Agreement with Original Creditor.
4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. )   An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PORFOLIO RECOVERY ASSOCIATES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Consumer Loan

On XXXX XXXX, 2015 I applied for an installment loan with Ace Cash Express for the amount of {$4200.00}. Ace Cash Express deposited the funds into my primary checking account on XXXX XXXX, 2015. 

According to the agreement, I am to make XXXX payments in the amount of {$270.00} with an initial payment of {$330.00}. The initial payment was deducted from my account on XXXX XXXX, 2015. As of XXXX XXXX, I had repaid {$1100.00}. I contacted Ace Cash Express on XXXX XXXX to get a pay-off quote and I was informed that the pay-off through XXXX XXXX, 2015 is {$4100.00}. I 've complied with the loan agreement and made payments as scheduled, but only {$16.00} has gone toward the premium balance. 

I have ceased making payments until I can get a resolution on the interest. This is a predatory loan and I do n't think it is legal. I 'm seeking assistance for a resolution. I am not opposed to paying the loan as I have taken loans with Ace Cash Express in the past, but I was always in a position to pay the loan in full within a couple of weeks, so I did not realize that this Company specializes in predatory loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a new home and applied for a pre-authorization letter through my local credit union. The next day beginning at XXXX I began being bombarded with calls from lenders offering their products. When I asked how they got my number they said they had received it from Experian and XXXX. I have received 10 calls and 1 text in the last 3 hours!!!! 

In order for me to have a loan I have to have a credit report run and Experian, XXXX and XXXX are the bureaus who can run this. It is INCREDIBLY unethical that institutions who have access to my personal information and who I have no choice but to use for credit reporting can turn around and sell my information for their own financial gain to other brokers. 

As the CFPB I would suspect that you would see this as a gross violation of CONSUMERS and you should therefore be PROTECTING us from these types of issues occurring. I hope you will take this matter seriously and put process in place to fulfil your civil role.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple letters regarding inaccurate and fraudulent accounts being furnished on my report and they still have not been removed. I've sent in identity theft reports and my rights still are NOT being respected.
Product: Debt collection

Portfolio Recovery reported a debt on my credit report without any prior communication. I received no dunning letter, phone call, text, or email before they reported to the credit bureaus. 

This violates Section 1692g of the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to send a written notice within 5 days of initial communication.

This unauthorized reporting has negatively affected my credit score and financial standing.

I request that Portfolio Recovery remove this entry from my credit reports and provide proper validation of the debt as required by law.
Product: Money transfer, virtual currency, or money service

I heard there was a cashapp lawsuit and i wasnt sure if my account has been affected or not.
Product: Credit card or prepaid card

My wife and I were contacted by Chase probably about XX/XX/2023, or so. They noticed two charges from XXXX that were suspicious, and asked if we had made them. We had not. When looking at our purchases online we noticed an earlier charge from the same place. it was from XX/XX/XXXX, and apparently their software had not flagged that one. We also highlighted that charge. That charge was for XXXX. They then issued new credit cards and took all 3 charges off of our account. We had to look up what agoda.com was. We have never dealt with them. 3 or 4 week later the charge they missed came back on our card, with no notice to us. I did notice it, and have spent a couple hours on the phone with many chase people to get it removed. They claim they did an investigation and it is a valid charge. They did not investigate the other twXXXX charges from the same place. Apparently since their software missed the 1st fraudulent charge either Chase pays for it, or we pay for it. They already allowed the charge. They have chosen to stick us with the bill instead of paying it themselves. During my hours on the phone with them I found it it is for some vacation place in XXXX. We have never been to XXXX. Chase claims to have done an investigation, during which they never talked to either me or my wife. No one in chase seems to be able to take the charge off. Some mysterious investigation group we can not talk to has to do that. I wonder if whenever they miss a fraudulent charge, they stick the consumer rather than paying for this mistake. It is hard for an individual to fight a large corporation. We would be very happy to talk to someone and provide more information. Please help prevent Chase from stealing almost {$2000.00} from us.
Product: Checking or savings account

I will try to be as brief as possible. We had a debit card issued through Square Banking. Our information was stolen ( we believe ) by a staff member at a restaurant and a fraudulent card was created and used to drain and overdraw our account. We did not lose the debit card. We have been working with Square since XX/XX/XXXX to resolve the issue and it seems they are not doing anything to assist in getting all of our money back. We have received a portion ; however, there is still approximately $ XXXX {$2000.00} outstanding. The feedback we receive is blaming the merchant ( XXXX XXXX ) on not resolving it. We are very frustrated and need help with this please.I have spoken to many representatives with Square since XX/XX/XXXX and I am always told the same thing... they will escalate to their claims department. We filed a police report ; however, the criminals have not been caught. Any help would be appreciated. 
Thank you,
Product: Student loan

I took out two private student loan with American Education Services during XXXX and XXXX to cover tuition and expenses while attending school. The total was about XXXX. The first year I was giving reasonable repayment options but now interest rate has shot up to over 11 %. XXXX or XXXX of XXXX I reached out about lower repayment options I was told I used my time up for lower payments. I feel American Education Services are getting over on college students who are inexperienced and desperate for funds. I have paid back XXXX and have been paying since XX/XX/XXXX. That is about 13 years and I'm still paying with no relief in sight. I can actually pay off at XXXX vehicle off in 7 years but not a student loan. It is a shame I have to borrow money to make payment or choose between gas or food.
Product: Checking or savings account

I opened this account during XX/XX/XXXX with a promotion of {$400.00}. 
Your terms and conditions were either unclear or very confusing. Like whether it is {$1000.00} for 3 consecutive months or something else, not at all clear. 
When finally I talked to XXXX, I was told that i have time tillXX/XX/XXXX.I kept the {$1.00} as minimum account balance. 
Couple of months - I got $ XXXX direct deposit but not everything is in my control. 
Expecting $ XXXX as a direct deposit every month when jobs are not stable is not a good idea. My previous job is over with pending back wages claims with XXXX ( XXXX XXXX XXXX XXXX  ). XXXX has given verdict in my favor but back wages are provided as a check from XXXX not via the employer direct deposit. I was suppose to have 3 consecutive direct deposits of $ XXXX but it couldn't happen due to my job situation and pending investigations/litigation by Government agencies ( against my previous employer ). Needless to say there is more than $ XXXX kind of pending payment from the employer. For last 4 weeks - I am on unemployment wages ( since XXXX XX/XX/2019 ). One should understand that unemployment wages can not come any where near to $ XXXX direct deposit in a month. Moreover first week is a waiting period. 
Having said that could you please offer me {$400.00} cash bonus, I missed the terms and conditions ( which i initially misunderstood in the past ) with very short margin. 
Thanks in advance. Even self employment direct deposit using software takes around 7-9 days. 

Already during the last 5 months, I am getting direct deposit which is very near to {$3000.00} per month XXXX Around {$2000.00} Direct deposit XXXX {$330.00} and another Wells Fargo ACH of {$3100.00} XXXX {$3000.00} XXXX {$1000.00} XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hellos Guys!! 

I sent letters to the 3 credit agencies XXXX, Equifax and XXXX to verify some elements that are being reported on my credit. I have been investigating and discovered that the credit bureaus have been violating my rights by reporting accounts or negative items incorrectly, since I see that each one of them reports different balances, wrong dates and incorrect late payments.

I have also sent letters to the creditors who are reporting on my credit to update the information in my report and they ignore me, they have not given me answers. 

I have sent letters to the bureaus since XX/XX/XXXX and to this day they continue without giving me an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I divorced my husband, XXXX XXXX XXXX, on XXXX/XXXX/XXXX. We had a joint mortgage together with Wells Fargo opened since XXXX XXXX. The account number for the mortgage was # XXXX. Under the divorce decree, it was ordered that my ex husband would continue to reside in the home and would be solely responsible for paying the mortgage in a timely fashion, among other things. We separated in XXXX XXXX and I have not lived with him at the property ever since, but the divorce was not made official until XXXX XXXX, XXXX. In the months after the divorce, it seems he fell behind on payments to the mortgage starting in XXXX to XXXX XXXX. This unfortunately led to late payment remarks to be reported to my credit for XXXX, XXXX, XXXX and XXXX. These late payments have ruined my credit and I feel this is unfair as I was no longer financially responsible for the mortgage after XXXX XXXX per our divorce decree. I have been trying to work with the credit bureaus in the past couple of months trying to explain my situation but I have not gotten a resolution. This mortgage has been completely been paid off since then so there is no longer even a balance on my credit report. I am filing this complaint as an appeal to Wells Fargo to remove the XXXX late payment dates from my credit report that were added after XXXX XXXX. I am attaching a copy of my entire divorce agreement as a supporting document. The section relating to our marital home is on Page 6 and clearly states that my ex husband would be solely responsible for the mortgage after the divorce.
Product: Mortgage

We have an escrow account with our mortgage company, Mr Cooper, to pay insurance and taxes. We received a letter from the city on XX/XX/2022 that the property taxes are overdue. We went to the city in person and they confirmed that they never received the property tax payment of {$4400.00} by looking at their electronic payment records and checks. To avoid further penalties we paid the property tax in person. 
When we checked our account with the mortgage company 's website it said that the property taxes were paid XX/XX/2022. 
On XX/XX/2022 we contacted the mortgage company via phone to file the complaint of the missing payment. They promised to get back to us within a week with an explanation. We never received a call with an explanation. 
On XX/XX/2022, we filed a notice of error through the mortgage company 's error center. 
On XX/XX/2022, we received a message that issue was forwarded to mortgage company 's Tax Department for completion of investigation on disbursed amount on XX/XX/2022. 
We have never received an explanation or notice, neither has the escrow account been corrected.