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

Date of incident XX/XX/XXXX COMPANY : CONTINENTAL FINANCE COMPANY ( SURGE CARD ) I made a payment on XX/XX/XXXX in the amount that was due {$35.00}, but later I was checking my acct with XXXX ( surge XXXX ) on line an saw XXXX payments were initiated. 
I didn't feel like calling and being on hold, so I just said I would let them both process. 

A week went by and the money never came out of my checking acct with XXXX which is what I used. I called the representative ( male ) told me tht the XXXX payments were being returned by my bank, I told him impossible they money is there, there are no RTItems on my account so something on there end must be wrong. 
He then said it was rejected never hit my bank, I told him all my information was correct and that the day I made my payment XX/XX/XXXX i only made one but two was initatied and that maybe that had something to do with it. 
I asked him to remove the late fee XXXX on XX/XX/XXXX and return item fee XXXX for both which would total XXXX and he said he couldn't because it was showing yet wait for my statement. 
but it did show on my end so I called back XX/XX/XXXX wanted the charges removed it was not my fault that the money was there.I told them he talked to my bank on a three way call, and they confirmed the money was in my acct and had been. 
that nothing tried or attempted to process and the bank got off the phone. 
He said he didn't have ref # for calls but that when I called back to get fees waived they could listen to the call and he would put notes. 

anyways, i asked them to listen to the call and waive all fees, clear my acct so it doesnt reflect anything negatitive as I pay always on time, and twice a month some times since i had the card. 

they refused. 
Also, i spoke to a specialist she had over three checking accts on her end but I couldnt see them on the online system were you select your acct and what she had was not anything i use. 
She deleted them all, but again the accounts i used and read the number back to her, she didnt even have. So what I did and will continue to do is caLL AND USE A DEBIT CARD. ON XX/XX/XXXX WHEN I CALLED I PAID XXXX WITH A DEBIT CARD WHCIH CLEARED INSTANTLY WITH A FEE OF COURSE. IF A CONSUMER HAS TO PAY WITH A FEE BECAUSE THERE IS A ISSUE WITH PROCESSING THROUGH CHECKING ACCT 'S IT SHOULD BE WAIVED. 

WHY ARE WE BEING CHARGED TO USE A DEBIT CARD?
Product: Credit reporting or other personal consumer reports

National Credit , Systems, debt collection agency has unlawfully reported derogatory information {$2500.00} on my credit report without my consent or proper authorization. Specifically, I have not signed any application or contract with this agency, nor have I provided them with a valid copy of my drivers license or any other form of identification that would allow them to legally report this information. The agency has failed to provide a copy of any wet signature contract or application demonstrating my consent, which raises concerns about the legitimacy of their actions. I also have not given this agency the authority to access or report any information related to me under the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for such actions. Their failure to comply with these legal requirements has caused harm to my credit standing, and I respectfully request that the CFPB investigate this matter and ensure that the derogatory information is removed from my credit report immediately. Thank you for your attention to this serious issue. I look forward to your prompt assistance in resolving this matter or I will seek help from federal agencies and legal counsel.
Product: Credit reporting or other personal consumer reports

The late payments shown do not reflect my consistent payment history.
Product: Checking or savings account

bank pf america in reporting accounts to my XXXX  credit report that are not mine
Product: Checking or savings account

My debit card was stolen and Chime refuses to give me my money back. Over XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX, XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history witH XXXXl 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 60 days 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 XXXX  days before the payment due date. 


XXXX, XXXX, XXXX 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 XXXX  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 XXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disappointed to discover that the credit reporting agencies did not amend my credit record or totally remove the fraudulent items. In my most recent correspondence with the credit bureaus, dated XX/XX/2022, I demanded that they produce evidence supporting their assertions that the items I am contesting actually belonged to me. The Credit Bureaus still hadn't sent me any proper proof after a month had already elapsed. I find it aggravating that the credit bureaus have refused my requests, violated section 605b of the Fair Credit Reporting Act, and have continued to record the disputed items without the necessary justification. Let me remind the credit bureaus that they are required by FCRA section 605b to delete any items and information that were obtained as a consequence of identity theft and were listed on an ID THEFT REPORT. I'm inclined to file a lawsuit against the credit bureaus to compel them to update my credit report. I'm hoping that by filing this complaint with the CFPB, the credit bureaus would act right away and entirely delete the disputed items from my credit report. The following elements need to be removed : XXXXXXXX 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
Product: Debt collection

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Product: Debt collection

Im on XXXX this collection agency wasnt given permission to take money from my XXXX  debit account yet did anyways. They took 800 $ illegally there was no consent and its ssi money They took {$300.00} and {$500.00} from my account The company is http : //www.lienenforcementinc.com/
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I had some issues with myincome being effected by the XXXX PANDEMIC SHUTDOWN. I was under the XXXX CARESAct, Pub. XXXX XXXX, section XXXX, codified at FCRA section XXXX ( a ) ( XXXX ) ( F ) ( i ) ( I ), XXXX XXXX XXXX ( a ) ( XXXX ) ( F ) ( i ) ( I ). I am requesting some accommodations so I can protect the integrity of my credit file. XXXX XXXX  # XXXX late payment reported on XXXX, XXXX XXXX XXXX XXXX XXXX late payment reported on XXXX, late payment reported on XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX account is reporting a XXXX late-payment after I requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process
Product: Mortgage

I called Greentree on XXXX XXXX, 2015, to authorize a payment over the phone in the amount of {$1400.00} to be withdrawn from my account on XXXX XXXX, 2015. On XXXX XXXX that payment was taken out along with an additional payment of {$1900.00}, which was not authorized. Also a {$12.00} fee was withdrawn from my account, which was agreed to be waived. I noticed this error on XXXX XXXX, 2015, when a check I wrote was returned for insufficient funds due to the additional {$1900.00} that should have never been withdrawn from my account by Greentree. I have received overdraft fees from my bank and a return check fee from the stockbroker company who attempted to cash my check for {$5000.00}. I was investing some of my son 's money into the stock market. That money is sitting in limbo right now since they ca n't cash my check. As of this date I have not received the {$1900.00} back into my account. I have called Greentree every single day. Some days I am not able to reach my account representative. Other days I speak to her and she resubmits an email to her supervisior stating that this issue is urgent and needs to be resolved.
Product: Checking or savings account

For the past year and a half XXXX XXXX has been sending me XXXX payments for services provided to three different accounts which one is Wells Fargo. He then went to Wells Fargo and filed a fraud claim against six of the transactions when he in fact sent the money of his own volition. Without any investigation, Wells Fargo then proceeded to debit my account {$2600.00} for the transactions that XXXX sent me through XXXX. I made five separate trips to the Wells Fargo bank branch and probably called their claim complaint department a dozen times to no avail. The initial claim was filed on XX/XX/XXXX. When I called today again for an update the representative in the claims department asked me what I was hoping to have as an outcome for this and when I responded that I wanted my money put back in my account. She told me that was not going to happen. And then she proceeded to tell me that a XXXX transaction is as good as cash and is final. I told her she was contradicting herself and the original transactions were sent to me and then withdrawn From my account at XXXX request. She again told me that all transactions are final and they never reverse them. I told her one more time that she was contradicting herself because they reversed the XXXX transactions that XXXX had sent me. I ended up hanging up on her because I was so frustrated. In speaking to other people employed at different banks, and even to the banker at Wells Fargo when I was in the branch, nobody has ever heard of this happening and said that it was very strange that they did this. Im not asking for anything extra I only want the money back that was mine. The whole situation has made me feel very dismissed and not heard. Nobody that Ive spoken to throughout this whole two weeks has seemed to care or wanted to listen to anything I had to say.
Product: Prepaid card

I purchase per paid card added money, then they denied me from being able to use it. The only explanation that would give me was that the count was frozen. After the fact they took my money, but not allowing me to use it. They decided that I was able to receive my money back with in twenty days, as a check. Netspend prepaid will be the last time I will ever use this company
Product: Vehicle loan or lease

Over 4 years ago, in early XXXX, I totaled a car that was financed through Ford Credit. This was my 3rd car financed through them, and there was never an issue. No late payments. Repeated approvals on new vehicles. I was responsible and purchased GAP insurance, and always carried full coverage collision and liability insurance. When I totaled the car I was in communication with Ford the whole time. I was told they would handle the GAP insurance, and my collision insurance paid the cars value immediately. At some point, less than 30 days, I did call to verify the car was paid off and was told that GAP insurance hadnt paid yet.. but was assured this happened, and not to worry. I never heard anything again. I did however receive a denial for credit from the first time ever when trying to get a replacement ... so I never dealt with Ford again. Fast forward to a couple years later.. and upon applying for a loan ... Im denied because of a Repossession of a vehicle. WHAT? I am told I have a charge off of a car for XXXX on my credit ... I am devastated. I did research and find that it is my final Ford loan. It shows as a charge off since early XXXX of over 6k, and a balance due of XXXX. What? It took me two weeks to get in touch with the right person ... but almost immediately I hear youre right you never had XXXX charge off. The lady went on to explain that the GAP payment was actually misapplied and so it didnt pay off my account until over a year after the wreck. BUT I was also informed BUT you do owe us XXXX. This was, according to her, because at some point the monthly payment was forgiven and added to the end of the loan ( most likely during the period that I was being told NOT to worry because GAP was going to come through anytime ). I was asked to speak to a manager the next day. You called back.. she apologized for reporting a XXXX credit charge off reporting for 2 years .... but not seeming to understand the issues and high interest rates it has caused me. She also went on to say it would be corrected ... but they had no notes on why the XXXX was owed ... agreed it was some sort of underpayment somewhere ... but i would have to pay that.. and that would still show charged off back to XXXX. Wow ... after 3 loans ... over 80k paid off to them ... XXXX paid off on this car .... they would require me to pay the XXXX they had no documents on ... AND would not update my credit. XXXX here we are in XXXX ... four years later ... and I still have multiple credit bureaus showing a XXXX charge off ... a balance of XXXX .... and NOT ONE LATE PAYMENT. They are now reporting that I paid on time every month and then BAM! a charge off of XXXX with XXXX still due. At this point when I call ... they have no idea what Im talking about. If I dispute it ... they just verify I owe it.. no documentation. Ive written letters begging to assist.. to help me correct this issue that I never caused.. and to please take the time to look at the account and see that its a mistake. Not once has anyone acknowledged the damage and cost of mid-reporting for so long that They charged off XXXX. I am desperate and dont know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus, Transunion, XXXX, and XXXX  are reporting false and inaccurate information about a public Record Bankruptcy on my credit report. 
Each Bureau does not report The Status, the Date Paid, the amount, or Plaintiff. The Court number is inaccurate. It shows no accounts included in bankruptcy. Some show no discharge date or inaccurate discharge date. 

I sent several letters to clear up this matter with them saying the information is accurate but they Have not provided me who they verified this information with. The courts themselves do not furnish this information to any credit Bureau or any third party agency.
Product: Student loan

I re-applied in  XXXX  for continuing on  the Income Based Repayment Plan with Nelnet, stud ent loan servicer. Company messaged me to state that they received the paperwork. Company did not contact me again until  XXXX  to state that my payment would be double (!!! ) from what I have been paying ( and that I was no longer in the IBRP program ). Upon calling, I was told the form I sent it was " expired. '' However, the form had an expiration date on it for   XXXX    (    XXXX   XXXX   ). The company also stated that they had sent me an email ( they did not ) and regular mail ( they did not ). Thus, I had not been notified of this " expired '' paperwork. Upon speaking to  a manager, it was acknowledge that it was Nelnet 's error and they would reprocess that paperwork as it was the appropriate forms. Three weeks later, no correspondence from Nelnet except to state that my next payment ( still the increased payment ) was due. I called the company again, and they stated that the paperwork was expired and that they sent me a correspondence to fill out a new form. This was never sent to my email or home address. I now have to take a forbearance as they will not accept the payment I have already been paying for the last year, or quickly process the paperwork ( which according to them was the correct paperwork ) in order to avoid economic hardship. I have based my career on making timely payments in an appropriate loan repayment program and I do not know if forbearance will affect the Student Loan Forgiveness Program. Further, I was told by the company that the paperwork was not expired while on the phone the first time and they rescinded that without ever contacting me.
Product: Student loan

First of all I was furloughed due to COVID-19 starting XX/XX/XXXX. My payments are automatically deducted on the XXXX of the month. XXXX 's payment was not a concern I had enough to cover. I did check the company website in late XXXX early XXXX as it became more clear that i was not returning to work soon. The information I got was that they ( Navient ) was working with the government on a solution. After I heard about the Federal governments plan forgive student loans until XXXX XXXX I went and checked the status of my FFELP loan status. I understood, from the information I had, that I didn't need to do anything further. That was mid XXXX, it showed that I owed nothing come XX/XX/XXXX. So, I figured everything was good. I received a voice message from Navient on XX/XX/XXXX claiming that my payment was past due and I owed an additional {$27.00} late handling fee. I called them back on XX/XX/XXXX after checking the website first. According to the website I owed {$0.00} on XX/XX/XXXX and about 2 lines down it said there was past due payment from XXXX plus the late fee. So, I asked the agent what that is about? She said it showed {$0.00} owed because I have automatic payments. I said that is very confusing and then I asked her why my loan wasn't being included in the government COVID assistance program? She explained it was because i needed to consolidate my loan with the Dept of Education. I said it is a consolidated loan. I consolidated over 10 years ago when the POTUS said the interests rates were going up and students should consolidate their loans to lock in the interest rate. So, I contacted my service provider at the time and consolidated my loans. The Navient agent proceeded to then tell me that my loan is indeed consolidated, by not by the Dept of Ed. Navient owns my loan outright. So, I proceed to tell her that I've been furloughed due to COVID-19. I ask what are my options. She said my only option is Navient 's Emergency Relief program which lasts 90 days. I then asked will you be charging interest during this time. She replied yes. I went on to say this is why I fought Navient taking over my loan again. About 20 years ago I was working, but having trouble making payments. XXXXSallie Mae was my service provider then and told me the only real option I had was forebearance. Well, I ended owing double the original loan amount. The Navient agent said that in order for me to have control over who services my loan I would have to consolidate my loan through the Dept of Ed, and that she would email me the information. I said fine to that because I would like nothing more than to get rid of Navient from my life. I did agree to the Navient relief program for now, so that I don't keep getting hit with late fees and they don't keep trying to draft money that isn't there. Apparently in the meantime I have to consolidate and already consolidated loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX I am reporting a fraudulent inquiries found in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have given documentation from XXXX XXXX  in which is who they are saying they got it from them but I have a freeze on the account due to the fraud as well as a police report and information from the courts as well as it doesnt belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Please I want to be supported as I do not know what to do anymore .... I figured out accounts that are not mine. Is kind of Identity theft or I do not know how to explain them. I do not know these accounts ...., Please help me to figure our why I have them in my profile and if you can check my profile and investigate my situation. I would like them to be removed.