23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A voluntary surrender of my vehicle was completed with XXXX XXXX XXXX XXXX. After the vehicle was sold by XXXX XXXX XXXX, they did not contact me in writing or by phone with the balance owed. Instead, the balance / debt was sent directly to a collection agency, Radius Global Solutions. See attached. 

XXXX XXXX XXXX XXXX did not send me written documentation showing the vehicle sale amount against the amount owed. Instead, a letter was received from Radius stating a sum owed to them regarding the auto loan. 

Therefore, I do not know the sale amount of the vehicle to determine the validity of the alleged debt owed. I do not know the final balance owed to XXXX XXXX XXXX as they did not send anything in writing. I was not given the opportunity to settle the debt with XXXX XXXX XXXX XXXX before it was sent to a collection agency. This is unfair debt collection practices and the legality of not disclosing the vehicle sale amount is in question.
Product: Credit card or prepaid card

This complaint is regarding a charge of {$170.00} from XXXX. 
The services paid for were for swimming lessons, which were cancelled because of CORONAVIRUS. 

I submitted a dispute requesting that we should not be charged for this service because the lessons were cancelled. The business owner is declining to give the money back. So, we paid {$65.00} activation fees ( in XXXX ) and {$170.00} for XXXX lessons. 

Only two lessons were held. The {$170.00} should be fully refunded. We are glad to let the business owner keep {$65.00}. 


I am filing this complaint because Bank of America never settles a dispute in the favor of individuals. It always sides with the merchant. I am requesting CFPB to please ask BOA to settle this dispute fairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : The reason for my dispute is the following accounts : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX . I am unable to locate documentation that they complied with these requirements, which is a violation of the FCRA & FDCPA 609,623,611, Section 807 ( 11 ) & FDCPA 809. Under Sec. 809,  they failed to send me my initial communication before placing these alleged items on my credit reports ; further violating the FCRA, these above-mentioned companies are held liable as well for defamation and in the state of OHIO. I fail to see where any of these companies are in compliance with OHIO LAW. I also have reported these accounts to the FTC and XXXX Police Dept. I need these miscellaneous accounts to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I discovered some accounts on my credit report that did not belong to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/2020, I started my journey of removing accounts that were not mine on my credit report, little by little the accounts have been coming off, unfortunately, I am still getting in the mail collection letters regarding accounts that are part of Identity Theft, the accounts are not mine, I do not recognize them. Recently, a few days ago, I received a collection letter from XXXX XXXX trying to collect on an alleged that is part of an issue with Identity Theft. I am reaching the CFPB to do a complaint and accelerate the process of fixing this Issue. I want to remove this collection account from Transunion, since I don't have any idea on that account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against the 3 credit bureaus for having my bankruptcy on my reports. XXXX, XXXX, and Experian all have my bankruptcy listed on my report yet the courthouse in which I filed does not report to the credit bureaus. If the courthouse does not report bankruptcies to the credit bureaus, where would the credit bureaus get this information from.
Product: Debt collection

LVNV Funding LLC sued me for credit card debt of amount of {$5100.00}. 

I responded in correct amount of time on XX/XX/year> requesting them prove they have original contract info to prove I owe them in the amount they are suing me for. They did not respond in timely manner. They instead filed motion for default judgment on XX/XX/year>. 

I then responded to that on XX/XX/year> requesting to dismiss the default judgment as I did respond to them on XX/XX/year>. 

They again never responded to my XX/XX/year> and XX/XX/year> request. 

Instead they filed a motion for summary of judgment on XX/XX/year> without responded to my request. 

They consistently are showing faulty filing practices by ignoring my requests and proving how I owe them in the amount they are asking for. 

We attended court on XX/XX/year> where the judge dismiss the case of motion to dismiss default judgment due to LVNV Funding LLC submitting motions without actually being heard by a judge.
Product: Checking or savings account

On XX/XX/18 I was charged an Overdraft fee of {$35.00} because I did not have the funds in my account to cover a check. That is fine, that was my error. 

On XX/XX/18 I deposited {$120.00} & {$100.00}. One check covered my overdraft from XXXX and the other was additional funds for my account. An auto-deduction of {$64.00} hit my account on this same day ( XX/XX/18 ) and my bank charged me another {$35.00} OD fee which should not be charged since the funds I deposited hit my account the same day. 

This seems to be a constant problem with Citizens Bank. This is my 3rd complaint against Citizens Bank for doing this exact same thing. I could see if my deposit had not cleared my account but it had cleared my account the same day and was available for withdraw. 

I have written to Citizens Bank about this and get the same response, nothing. I refuse to call them again and get into a discussion with them over this because they will justify it by saying the withdraw hit before the deposit. This is not true if they both hit the account on the same day. 

Would you please contact them and have the {$35.00} returned to my account. Thank you! 


XXXX XXXX XXXX
Product: Checking or savings account

East West Bank changed the control of my bank account without my signature, and without checking with me, someone illegally forged my signature and changed the control of my account. Now they are closing my account without my consent. When I close my account, I ask for the remaining money to be transferred to another bank account of my company, but East West Bank disagrees and insists on sending me a check. I refuse to send me a check, because we can not transfer the checking account to this newly opened account, so we ask for a refund. We wish to return the funds to our XXXX XXXX  account in XXXX XXXX. I'm extremely unhappy with the way things have been handled so far
Product: Mortgage

Lakeview Loan XXXX  is not processing my payments in a timely manner. 

My bank, XXXX. sent a payment on XX/XX/XXXX for a XX/XX/XXXX payment and it was not processed until XX/XX/XXXX. 
My bank, XXXX, sent a payment on XX/XX/XXXX for a XX/XX/XXXX payment and it has yet to be processed. 


I work hard to submit my payments in a timely manner and the company is not processing my payment in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its a lot inquiries on my credit report that shouldnt be on there also from a XXXX XXXX that I didnt live in, these are not my bills
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

In XXXX and XXXX. I would do Zelle on my checking account and I accidentally sent to wrong phone number called Zelle to see if I can get the money back and nothing. They told me to call the number I sent the Zelle too. I did text/call several times and no responses. It was XXXX first time and XXXX second time. They never responded and Zelle said they couldnt do anything about it. I was not able to get the money back
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XX/XX/XXXX XXXX account for months. XXXX   and XXXX  have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting or other personal consumer reports

Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX : {$XXXX} ( as of XX/XX/XXXX ) Monthly Payment : {$XXXX} Terms : XXXX  Months Highest Balance : N/A Late Payment Entries : 30 days late for multiple months as seen in the payment history for XXXX and XXXX Dispute Summary : I am writing to dispute the late payment entries listed on my XXXX XXXX XXXX account XXXX The account was reported as 30 days past due in my credit report on several occasions, and I believe these late payments were either inaccurately reported or the result of mishandling of due dates. I request that these late payments be removed from my credit report. 

I have never received a proper notice or adequate communication from XXXX XXXX XXXX about these late payments or missed due dates, nor have I consented to any actions that would justify these entries. 
Consumer Law Violations : Fair Credit Reporting Act ( FCRA ) : Section 1681i ( Reinvestigations of Disputed Information ) : XXXX XXXX XXXX failed to correct these late payment entries after my dispute with them, in violation of the XXXX requirement to accurately report information to the credit reporting agencies.

Section 1681e ( b ) ( Accuracy of Credit Report Information ) : The reported late payments violate the requirement for accurate reporting, as these do not reflect the true and accurate payment history for my account.

Section 1681s-2 ( b ) ( Duty of Furnishers of Information ) : XXXX XXXX XXXX XXXX not investigate or correct the inaccurate reporting after I disputed the payments. 
Fair Debt Collection Practices Act ( FDCPA ) : XXXX XXXX XXXX or any third-party XXXX failed to adhere to proper communication practices related to late payments and did not provide sufficient documentation to justify the alleged late payments, in violation of the FDCPAs prohibition of unfair and deceptive practices.

Truth in Lending Act ( TILA ) : Under TILA, creditors must clearly disclose payment terms and any late fees. XXXX XXXX XXXX did not properly inform me of any late fees or late payment implications, nor did they provide me with a clear notice of the consequences for late payments in accordance with the law.
Product: Debt collection

XXXX XXXX is charging me {$310.00} for an account that was closed. 

I returned the modem as soon as the lockdown in michigan was canceled. I was high risk for COVID and they would rather me risk my life than to wait for safety to return it. Its punitive!
Product: Credit card or prepaid card

I purchases a firearm from a company called XXXX XXXX  with my Discover Card in XXXX of 2022. The company sent the firearm to me instead of my wife who I purchased it for so I could not pick it up because that would be lieing on a Federal Firearms form. I reported this to Discover and jumped through all the hoops they asked me to yet they still refused to get my money back. Moriarti Armaments also refused to fix the problem and refused to return my money. At this point the firearm was never picked up, and they sent a mailing sticker to the FFL and the firearm was returned to them. After a year I still have not had my money returned and my wife still doesn't have the firearm I tried to purchase for her.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. NORDSTROM/TD BANK USA XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with XXXX XXXX XXXX, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2019 Balance : XXXX
Product: Checking or savings account

Charged transfer fees ... and then charged again for external wallet fees {$6.00} and {$3.00} at a time. Totaling almost {$50.00} in fees. 
( Same service, same transactions ) Duplicate fee charging under a different name. 
Predatory. No explanation. No option for funds being refunding. No warning about a second external wallet fee ... except somewhere hidden in fine print when you open the account.
Product: Checking or savings account

In XX/XX/XXXX, I opened a BMO Harris checking and savings account. I received the bonus as advertised on the savings account, but did not receive the bonus on my checking account. The bonus was in the amount of {$300.00} and was to be paid within 120 days. It is now XX/XX/XXXX, and the bonus was not paid. XXXX XXXX XXXX via chat on XX/XX/XXXX verified that my account met the requirements. Shortly after, I called the number provided and was told to wait a little longer for the bonus to post. I have waited for the statement to close, and the bonus is still not posted. Chat attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXXBalance : {$20000.00} XXXX XXXX Balance : {$6200.00} XXXX XXXXXXXX Balance : {$13000.00} XXXX  XX/XX/2023 XXXX  XXXX XXXX XX/XX/2023 XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023XXXX XX/XX/2023 XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXXXX/XX/2023
Product: Bank account or service

Regions has twice not honored Bill Pay checks with a specific delivery date. This has dropped my credit score and now shows up as a late payment on my record although the arrangement was made up to two weeks in advance. In one month I was charged {$39.00} for XXXX XXXX ( normally a monthly fee of {$9.00} ) and was told I need to go through a formal dispute to correct it. Disputes require information to be faxed ( who has time for that? ), and take ten days to be reviewed. If you are lucky at the end of 16 days you 'll get a letter stating what happened. Why should I have to go through this? 

There have been multiple times where bank errors have caused overdrafts and the bank has refused to refund the fees, even going as far as to charge me {$35.00} for EVERY single transaction that posts after the account is over drafted. Once I swiped my card for items on a Saturday that did not clear on my account until the next Wednesday. Once the transactions cleared my account was {$4.00} short. I was charged {$140.00} in overdraft fees. Normal banks process transactions within 3 days of purchase. Regions processes them whenever they feel like it. 

I have even had a banker call me repeatedly at work the day I received a tax refund to offer me all types of credit cards, after generously telling me how much money was in my account. This is very invasive and I am upset that someone monitors my account to that extent. The list goes on and on. This is hands down the worse bank I have ever been a customer at.
Product: Credit reporting or other personal consumer reports

I've contacted the debt collector requesting debt validation per the FCRA as I have never done business with National Recovery Agency with no cooperation. I have also asked them to cease and desist on all communication to include accessing my credit report per the consumer laws.
Product: Credit card

I got a kohl 's credit card in XXXX CA. When my first payment was due I called a representative of Kohl 's and ask them to change my billing date to the XXXX of every month to keep from getting charged late fees every month. The first time I called was XX/XX/2016 to get them to change my billing date. I was told I had to pay my balance up before they would make any changes to my account. I called them again today on XXXX/XXXX/2016 and again I was told I have to pay my balance up including any late fees. I explained my situation to them and they was not willing to work with me to resolve this issue.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX To whom it may concern, Ive been working to have accurate information displayed on my credit report, I have been doing so with the following credit reporting agencies XXXX, XXXX, and XXXX. The following collection agency PORTFOLIO RECOVERY located at XXXX XXXX XXXX XXXX XXXX has refused to provide legal verifications with signatures and in some cases have not met the legal burden of proof for authentication and is unwilling to produce evidence of legal validation. The accounts are listed below. 
Account XXXX Account XXXX Account XXXX Despite my numerous requests to have the legal requirements met which warrants these accounts removed, the collection agency continues to provide this information and refuse to withdraw this information from my report in violation of the below-mentioned statutes. Below are the sections of the FCRA they refuse to comply with, adding numerous subsequent legal violations in addition to the ones they have already violated which instigated the original disputes and subsequent letters to the collection agency in question. It is my right to have accurate information displayed and as of the day of this letter, all three consumer reporting agencies stand in violation. 

1.Void of legal verification Pursuant to FCRA sections, 609 ( a ) ( 1 ) ( A ) ,611 ( a ) ( 1 ) ( A ) 2.Providing a consumer contract with a signature which is a violation of 611 ( a ) ( 1 ) ( A ) 3.Negligent noncompliance which is a violation of 617 Please find the attached documents that substantiate my claims Regards XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and this item need to be deleted.
Product: Mortgage

I purchased this bank owned own home from XXXX XXXX a few years ago directly from the bank itself. The property had heavy mold and asbestos and was unfit to live which was not disclosed to me at or prior to purchase by the bank. My child and myself were feeling unwell constantly. The plumbing system was not in working order and backed up sewage into the property. During this process the heavy mold and asbestos in the property was discovered. The mortgage company never offered any type of resolution. We were not able to safely occupy the property. Spent nights sleeping in various places. Even attempted to file bankruptcy. Attorney also advised me to contact the bank for them to make some type of amends, loan modification whichever. They refused. Foreclosed. I was finally able to get one person on the phone who told me they received my prior emails for Covid or any other loan modification assistance and replied that they had no programs. The bank told me they placed the home on auction. I owe XXXX. No one bid at the auction the bank says and the bank told me they bought back the loan they hold themselves for XXXX when the property 's market value is XXXX but still would not work with me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed XXXX XXXX XXXX XXXX reported to a charge off to all the three major Credit Bureaus before 90 days. Per the FDIC 5000 - Statements of Policy ; Open- and closed-end loans past due 90 cumulative days from the contractual due date should be classified Substandard. 

Which the balance was paid before the account was reported as a charge off.