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

I sent my payment to Fortiva credit card on XX/XX/2023, from XXXX XXXX XXXXXXXX bill pay. 
According to Bank XXXX XXXX, the money was delivered on the XXXX. 
At the time, my debt was {$1400.00} and cents. Just in case, I sent them {$1500.00}. 
( If you check my payments, you will see that I tend to send more than what is owed. ) When I checked my Fortiva statement on the XXXX XXXX XXXXXXXX, I noticed no credit was shown. 
I emailed them the proof from XXXX XXXX XXXXXXXX. 
No response from Fortiva. 
All I received was a letter from them dated XX/XX/XXXX telling me that my account was past due. They had imposed late fees as well as interest charges I emailed them a second time ( the same day ) asking them to eliminate all charges and properly credit my account. Failure to do so would precipitate this action. 
As usual, no response has been sent. 
This is why this complaint is been sent. 
I have all the documents to back up my claim. 
Thank you!
Product: Debt collection

I received a phone call from XXXX stating they are attempting to collect a debt. They told me I have over {$10000.00} due to XXXX which was from an incident over 5 years ago that I had been told was resolved. The woman on the phone argued that I should check my credit report & then hung up on me. What I can I do to help get these people off my back? I live with chronic illness & the stress from their calls really gets to me & affects my health.
Product: Checking or savings account

I deposited a check in my square XXXX  account. I waited XXXX  days for it to post to the account. The day it posted I got an email that my account was being deactivated and that I was unable to access my funds from the cash check for XXXX  days. I contacted them via email, chat and phone. Chatting was the only time I was able to speak with someone and I was told there is no information as to why the account was deactivated and that i was not able to even touch my money for XXXX  days. The amount of the check deposited was {$1000.00}. The also told me that the check had cleared so i was unable to try to cash it anywhere else.
Product: Checking or savings account

on XX/XX/2018 chase bank closed my account and since that date i been trayng to get my funds.they hold XXXX dollars and would not refund my money. please help me get my money back.. my account been closed from last year and i havent got my money back. they keep telling me diffrent things all the time. my name is XXXX XXXX and my current address is XXXX XXXX XXXX XXXX XXXX XXXX ca   XXXX my last four of my ss number is XXXX .and if you need additional info please contact me by mail or call XXXX XXXX thank you XXXX XXXX
Product: Credit card or prepaid card

I ws looking at my account and a see the minumium payme is like XXXX for a balance that i old of Current Balance {$1100.00}, i try to adress that with the costomer services..but they say is nothing they can do. here is what they say : Thank you for patiently waiting. Please be informed that this account is accumulated by a monthly interest of 2.50 % of current balance. As per XXXX/XXXX/XXXX account was charged of {$49.00} interest and yes you are correct. The minimum payment is {$110.00} good until XXXX/XXXX/XXXX. 


As much as we would like to have your APR adjusted, unfortunately, we do not provide annual percentage rate reductions. The current rate you have is all that we can offer.
Product: Credit reporting or other personal consumer reports

I am reaching out to address the inaccuracies and omissions in the credit information that you have reported on my credit profile. It is disappointing to note the lack of sufficient procedures to ensure the utmost accuracy in compliance with credit reporting laws. 

The following information requires immediate investigation, and I insist on being furnished with evidence supporting the alleged items, particularly any contracts, notes, or documents bearing my signature. Failure to provide such evidence warrants the removal of these items from my credit report without delay : I am troubled by the fact that XXXX has already rectified these accounts from their records, indicating an acknowledged error. However, your failure to do the same is concerning. I demand the deletion of these items from my file due to their inaccuracy, error, incompleteness, or inability to be verified. It is unacceptable that you are not adhering to legal requirements, particularly when other credit bureaus have already complied. 

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 and XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX Card card has been a part of my Chapter XXXX  bankruptcy since XX/XX/XXXX. A few weeks ago the status of the card changed and it was no longer labeled as bankruptcy. It was showing as a delinquent account. I submitted a dispute and they updated it to be included as a part of the bankruptcy again, but my credit report decreased by about 24 points with an updated date for XX/XX/XXXX. Original date that XXXX became a part of the bankruptcy was XX/XX/XXXX. Status now states it is a petition for Chapter XXXX  Bankruptcy/Never late. I do not know what made the card move from bankruptcy status to active status. I feel like my credit score was negatively impacted by someone's error to report it correctly with the bureaus, which is negatively impacting my credit.
Product: Debt collection

On XXXX XXXX XXXXXX/XX/year> XXXX charges were made on my credit card ( one for {$99.00} and two separate charges for {$290.00} ) from XXXX XXXX XXXX XXXX and I was immediately notified from Wells Fargo that it was potentially fraud. They contacted me through text message asking if I had made these charges and I immediately responded no since I had never heard of the company nor authorized the charges and they immediately froze the account and issued me a new card. About a month later, they contacted me saying as a result of their investigation they were unable to confirm fraud even though I have the screenshot of the text message where I said this was not me who made these three charges and that they were completely unauthorized and a police report that I have since filed. I have paid off all remaining debt that I had on that card except for those three fraudulent charges which is now being investigated for a third time since I had them reopen the case.
Product: Debt collection

Date : XX/XX/2023 Dear XXXX : I pulled my credit report and noticed that there are items that are not right. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : CAPIO PARTNERS LLC ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/2023 Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it.
Product: Debt collection

XXXX. XXXX XXXX XXXX. {$21000.00}. This debt belongs to my brother, whom has a similar name to mine. I have contacted the apartment rental office, the collections company, and XXXX. Rental office wouldnt give me the rental agreement because its not my account. The collections company wouldnt help because the information they received from the rental office. And XXXX wont help unless I have a letter explaining everything from the rental office and the collections company.
Product: Debt collection

Debt Co is alleging that I did not respond to their request for more information. I felt strong enough that I could not trust them that I took a picture of the response. This picture is date and time stamped. I did mail it and I will be reaching out to the USPS because everything they do is digitized which will prove that this letter was received by Debt Co and that they acted heinously and predatorily by pretending that they did not receive a response. 

Also - prior to this letter they should have sent me the bill or evidence because regardless if they received said letter - they are required by law to respond to a dispute and THEY DID NOT. I was not mailed any more information- but i did have a phone call where the woman verified that I would be disputing the information and that I was sending a letter to that effect. I was victimized by them immediately and without cause by reporting to the credit bureau. They knew I was disputing the debt and it even says so on my credit bureau but they did not respond appropriately. 

I know my rights and I had the right to that information and attaching it to this complaint is not adequate.
Product: Credit reporting or other personal consumer reports

Over XXXX point drop on credit report in 2 day period. NO ACTIVITY ON CREDIT REPORT. 
No explanation on why this was done.
Product: Vehicle loan or lease

Their website needs better customer friendly links and information. Like providing the agreement, statements, etc. 
Also need to have a better accounting system! So us customers are not paying too much!
Product: Credit reporting or other personal consumer reports

XXXX. Failure to Verify Disputed Information Violation of FCRA 611 I have disputed the accuracy of this account with both XXXX and Equifax on two separate occasions. Under the Fair Credit Reporting Act ( FCRA ) 611, credit reporting agencies are required to investigate disputed information within 30 days and provide a response indicating the results of the investigation. Despite this requirement, there has been no indication that either credit bureau has verified the information or updated my credit report to reflect my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's poor security measures resulted in a data breach which they have indicated included my personal information. I 'm now at high risk for identity theft because of their negligence.
Product: Mortgage

Right after XXXX, I was attempting to Re instate my mortgage with a deferral agreement with shell point mtg. I agreed to the Deferral Agreement in XX/XX/2021, and was obligated to pay {$12000.00}. I was in constant communication with the lender. as I was waiting for funds to come in, which happened XXXX XX/XX/2021. XXXX XX/XX/2021, Shellpoint served me with Foreclosure Paperwork. I began the Deferral Agreement, and I have not missed a payment since. The issue is the Bank wants to charge me, over {$5000.00} in legal fees, {$990.00} in other fees, and a Monthly payment of {$4200.00}. Its over {$11000.00}. They should have never done that. How can I get that removed.
Product: Credit card

I purchased an extended auto-warranty policy, the only charge recurring on my only credit card. The only time I used the service, I waited 2 hours for a tow truck to tow my car about 4 city blocks. I handed the tow driver my only key-fob ( he asked for it ).

My vehicle was towed & I never saw the fob again. The auto shop owner where it was towed, told me that the tow driver had destroyed it.

I had so much trouble dealing with them, I canceled the policy. My only credit card continued to get charged ( it had a small limit ) and my fob is gone forever. Somebody owes me something. 
The policy manual clearly states that a partial reimbursement is due upon a request to cancel policy, & I want my fob reimbursed at cost. Reimbursement= XXXX XXXX XXXX debt cleared/ pd in full= $ XXXX {$1000.00} for harassment/damage to credit. 
Because the policy cancellled at my request, the card continuing to get billed, it eventually damaged my credit, still damaging. 
The card company offered a dispute resolution, suggesting paying the balance in full. 
The debt collector has called several times a day, sending 2-3 harassing letters per week for months, and worse, the warranty company emailed me last week, XXXX week in XX/XX/year> to come back as a customer??? No.
Product: Credit reporting or other personal consumer reports

NEEDS IMEDIATE ATTENTION!! IVE REACHED OUT TO THE REPORTING COMPANIES AFTER SUBMITTING ON XX/XX/year> .THEY STATED THEY HAVE RECEVIED FROM CFPB. 
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I have provided my photo ID along with required documents I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.
Product: Checking or savings account

About four years ago Chase closed my account XXXX and/or the related savings account ( XXXX XXXX  ). Or more precisely, the account ( s ) seem to be open, but Chase refuses to give me online access to it. I have requested again and again to give me access or explain what the exact status of the account ( s ) is, but they do not give any explanation whatsoever. At the time we had an issue with the related credit card, but that has been solved since two-and-a-half years. 

They do send me notices now and then via email that I received some important information, which I need to read via online. Which I can not do. I just want to keep the accounts and get online access to it. 

My information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SS # : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recieved a letter in the mail from chase stating that I applied for a XXXX XXXX visa signature account when I didnt. It also says that they didnt approve the request. I already know my credit isnt great. So I know not to apply for these types of things. I went to check my credit report since it said that XXXX XXXX looked it up and its on my credit report and Im concerned that someone is trying to steal my identity.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX. XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation off 15 USC 1681b 2. XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation off 15 USC 1681b
Product: Money transfer, virtual currency, or money service

Paypal wants to hold my funds for 6 months and that's just not acceptable. I'm a XXXX XXXX trying to make ends meet and this major corporation is holding my funds because of some type of misunderstanding. Paypal doesn't allow you to sell weight-loss products. XXXX XXXX does not sell weight-loss products. The words weight loss is not listed anywhere on our store or on even in our description. We sell XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have sent out all the products to customers who have order and paid through PayPal. I have sent out these products and now don't have access to the funds for 180 days! 

How does PayPal say they are in business to help small businesses and even small black-owned business but holding funds to stop them from doing business. 

All of my packages have tracking numbers, all of them have been delivered and 96 % of the customers have already left 5-star reviews. 

I'm just really annoyed with this whole thing. 

A simple solution is to allow me to collect my funds from the account to run my business and i will no longer do business on PayPal ... Ever again ... Im willing to keep fighting this until that happens because I refuse to let the doors of my business close due to this frustrating situation.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also has 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 consumer safety.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX & XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

Per XXXX XXXX XXXX XXXX, my insurance has paid all but XXXX $ 's of my bill. Med XXXX Solutions has continued to harass me and even filed in court against me to try and collect the full original amount owed of {$19000.00} from service dates XXXX/XXXX/12 and XXXX/XXXX/12.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

Nationstar is our mortgage servicer. We had a mortgage from XXXX XXXX XXXX and we were n't informed until after 60 days from the transfer. We had been current with XXXX and had never had any delinquent months since ou purchase. We immediately noticed that our amount owed monthly was different. Nationstar failed to provide any documentation of breakdown in details of " fees ''. 

The current problem is that following my extensive and repeatedly hospitalizations, we became behind XX/XX/XXXX. It was our first time being behind 30 days. Our XXXX/XXXX/16 payment was late 60 days. We were able to catch up a bit and bring it back to 30 days late for the XX/XX/XXXX and XX/XX/XXXX payments. Due to additional hospiatlizations our XX/XX/XXXX payement was 60 days late ( paid on XX/XX/XXXX ). On XX/XX/XXXX we made the XX/XX/XXXX bill. The account showed as pending until after XX/XX/XXXX. XX/XX/XXXX suddenly the payment showed as REVERSED. I called Nationstar to find out why. Their response was there must have been an error on my part with the number. I asked to speak with a supervisor who confirmed that the number had been used before. She asked that I go to bank and 3-way call with them to confirm that the number was our account and they would be able to credit the amount as paid and take the money again. When at the bank, the manager confimed with nationstar rep that account was valid and money was still there.XXXX manager also explained that Nationstar did not attempt to take the money. Nationstar explained that it was nw XX/XX/XXXX and by not having XX/XX/XXXX payment in account it was now 90 days delinquent. XXXX again confirmed funds were in bank and the funds for XXXX I attempted to pay. They told bank manager that funds would not be allowed to be paid to Nationstar. The problem resolution request was sent by rep but would not lkely be addressed until XX/XX/XXXX. In the meantime they refuse any payment. This would make it 120 days late. 

So by reversing payment in XX/XX/XXXX, they have caused t to be 90 days late. And then again refusing XX/XX/XXXX would make it 120 days late. And acknowlegeing it would take until XX/XX/XXXX cause it to be 150 days late. 
How can they fraudulently cause a delinquency?? 
Also all the funds I pay each month over what is owed to be applied to principal and " fees '' has never been applied. They even reversed escow funds out of that I have paid. 
They now say that because the XX/XX/XXXX payment was n't credited they have moved case to foreclosure!!! They will not speak with XXXX or myself further.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to formally dispute the reporting of late payments on my credit report, as I believe these entries violate the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681s-2 ( a ) ( 7 ). According to the FCRA, creditors are required to notify consumers prior to reporting negative information such as late payments to the credit bureaus.

Upon reviewing my credit report, I identified the following accounts with late payments that were reported without prior notice : 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  ( ANY AND ALL LATE PAYMENTS ) I have not received any written or electronic notice from the creditor regarding the negative reporting of these late payments, as mandated by the FCRA. This failure to notify deprived me of the opportunity to address or resolve the matter before the information was reported. 
Under the FCRA, consumers have the right to accurate and fair reporting, and failure to notify violates this standard. Therefore, I kindly request that you : 1. Investigate the accuracy and compliance of these late payment reports.

2.Provide me with documentation proving that proper notification was sent to me before the reporting of the late payments.

3. Delete these late payments from my credit report if the investigation reveals non-compliance with FCRA requirements.