23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My loan was sold from XXXX To discover student loans and improperly charged off. I was called in XX/XX/XXXX and told I must pay off all late payments or my loans would be charged off. I entered into a repayment program after I was informed that they had charged off to do whatever I could to repair my credit. I was informed by discover that they have no credit repair options, and that even though I was going to bepaying double the minimum payment two Months after it had originally charged off, it would have no positive effect on my account status or credit report. After I was unable to make the full payment, my loans were charged off and I was informed by a different employee at discover that I could have made a minimum payment to bring my account into a current status. I payed off the loan In XX/XX/XXXX and the loan is still showing as a charge off even though it is paid in full 3 months ago and it is preventing me from getting a mortgage and buying a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECKED MY CREDIT REPORT AND FOUND FRAUDULENT ACCOUNTS AND INQUIRIES, I HAVE NOT GAVE ANYONE CONSENT TO USE MY PERSONAL INFORMATION. THE FRAUDULENT ACCOUNT IS FIRST XXXX XXXX & XXXX AND THE FRAUDULENT INQUIRIES ARE ALL OF THEM. FRAUDULENT INQUIRIES ( XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX BANK XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, )
Product: Mortgage

I was informed by Wilmington Savings Fund Society that XXXX XXXX Company of Delaware was handling the property. I was given XXXXXXXX XXXX email address, office address and phone number. 
I did send an email with my request on XX/XX/.
Product: Credit reporting or other personal consumer reports

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error - ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. XXXX XXXX XXXX XXXX XXXX Furnishing certain deceptive forms- Please Update too Never Late. As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because l 've been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Debt collection

Southwest credit has harrased me on numerous occasions about a debt with  XXXX . I do not remember the ammount of debt claim to be owed because ive never owned a  XXXX  account. Furthermore the company is unwilling to show proper documentation ( signatures- original paperwork- invoices etc ) to prove anything otherwise. They wont even tell me the location of the accounts origination.
Product: Debt collection

I notified BRIDGECREST FORMALLY KNOWN AS XXXX ABOUT MY FRAUDULENT ACCOUNT ON XX/XX/year>. I SENT IN MY FTC REPORT, MY LICENSE AND MY XXXX  INFORMATION.
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account SEARS/CBNA which has been deleted by XXXX and TXXXX. XXXX   and XXXX  have both completed their research and determined that SEARS/CBNA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH capital one 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 those account 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 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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus 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 the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$66.00} XXXX XXXX Balance : {$90.00} EQUIFAX : XXXX  XXXX Balance : {$110.00} XXXX  XXXX Balance : {$140.00} XXXX  XXXX Balance : {$180.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$50.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$66.00} XXXX XXXX Balance : {$90.00} XXXX : XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX {$50.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$66.00} XXXX XXXX Balance : {$90.00}
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX Avant LLC took a payment {$210.00} via debt card for {$110.00} payment On XX/XX/XXXX Avant LLC refused to take a payment for {$170.00} for a payment installment of {$75.00} due to a company policy, which did the last month. The company try to force me the consumer to make EFT for amount over the installment payment, which believe is violation of Electronic Fund Transfer Act. I report it to the Federal Trade Commission for Avant LLC is continuing to violation the Electronic Fund Transfer Act. On XXXX XX/XX/XXXX, Avant agreed to pay {$3.00} XXXX to settle charges of the Federal Trade Commission. According to the FTCs lawsuit, the company engaged in deceptive loan servicing practices and violated the Telemarketing Sales Rule and the Electronic Fund Transfer Act. Note the on issues that Avant LLC pay XXXX XXXX to settle with Federal Trade Commission was violated Electronic Fund Transfer Act. I believe Avant LLC again violation EFT act with me on XX/XX/XXXX with me try force EFT for overpayment amount. On XX/XX/XXXX I call Avant LLC to talk to supervisor when got the supervisor Avant again refuse the over payment of {$170.00} for a overpayment to the account. However, state company policy not allow debt or credit card purchases over installment which did try force a second attempt to make overpayment of installment payment by EFT only. However, the company did allow the normal payment which is over {$75.00} by allow XXXX on XX/XX/XXXX. Again force the consumers to make installment payment by EFT. I make the payment they allow note report again even though the allow overpayment in XXXX include a overpayment in XX/XX/XXXX. Now I believe Avant LLC is try to fraudulent force extra interest on installment loan on last three payment and Violation of EFT by force overpayment to be EFT payment only. They never did this before in history may installment loan. I Will be report each Act this EFT act violation and attemp to comment fraudulent attemp to gain extra interest on a installment loan.
Product: Money transfer, virtual currency, or money service

I had sent 2 wire-transfer over the wells fargo app on XX/XX/XXXX and XX/XX/XXXX. total {$10000.00}. 

The receiver never receive the money until todayXXXX ). 

I called the wells fargo on XX/XX/XXXX and filed a claim. they said they will give me an answer in 10 business days but they never did. 

I called today and they can't give me answer about where my money is.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX XXXX that my address have changed they continue to bill my old address which I wasnt able to keep up with the payments because I did not have documentation notify me that the payment was due and I was not aware that there was a balance on the account and I had asked that they send me that information so that I can continue to make payments to my knowledge this account went Past due clothes and is a negative reporting on my credit report when I found out that I had this I contacted XXXX XXXX directly and use my credit card to make a payment.
Product: Credit card or prepaid card

I stopped the payment to my credit card due to Covid-19 and now they charge me differed payment interest charge
Product: Credit card

I attempted to add my friend as an authorized user to my Barclays XXXX XXXX on XXXX/XXXX/2016. My account was placed in a limited mode with absolutely no warning or notice given to me on XXXX/XXXX/16. I am unable to make any purchases. I called Barclaycard XXXX on XXXX/XXXX/16 and spoke to the front line CSR. She informed me that they had requested certain information from me and it was not received. She stated that the request for information was sent yesterday ( XXXX/XXXX/16 ). I received no such request, and no requests at all. I decided i did not want to deal with card shutdowns on my own account, so I asked to withdraw the request to add an authorized user to my account. The front line CSR stated that this was impossible now that the notation was on my account requesting information. I then stated that I wanted to cancel my account. I was told i could not cancel my account. I asked to speak to a supervisor. XXXX, the supervisor, restated the same inforamation that the front line CSR had stated. It 's impossible for me to fathom that I can not close my own credit card account. I have paid off the entire balance on my card, maintained a very positive relationship, and have never had a late payment.
Product: Debt collection

I am requesting an investigation and deletion of this debt. 

See Following Information Regarding Dispute, Account Information : Original Creditor Upgrade - Via Bank partner, XXXX XXXX XXXX  XXXX  XXXX - Acct. # : Personal Loan Collection Agency XXXX XXXX XXXX XXXX XXXX. Via XXXX XXXX XXXX Dates associated with items being disputed : Account originally opened with Upgrade on XX/XX/XXXX Account opened with XXXXXXXX XXXX XXXX on XX/XX/XXXX Explanation of item being disputed : I applied for a loan in the amount of {$1400.00} on-line with, Upgrade XXXX XXXX XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX, on XX/XX/XXXX, and was approved for the loan through, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 

I was scheduled to get the first direct deposit on XX/XX/XXXX, however I never received that deposit, after contacting Upgrade and sending an email on XX/XX/XXXX, with my bank records dated from XX/XX/XXXX thru XX/XX/XXXX it was found that Upgrade had the wrong account number for my checking account. Upgrade supposedly fixed the error and rescheduled a second direct deposit for XX/XX/XXXX. However once again that direct deposit also did not go through correctly. I made numerous phone calls regarding the loan to Upgrade, and the issue was never resolved, nor did I ever receive the loan. I sent another email on XX/XX/XXXX, to Upgrade advising in writing that I did not receive the loan and demanding that Upgrade cancel the loan and remove it from my credit report immediately. I then received a bill for a loan that I never received, I called Upgrade again, and again sent Upgrade another email on XX/XX/XXXX with bank statements from XXXX and XXXX attached for proof to dispute the bill for a loan that I never received and demanding that the loan be canceled and to remove it from my credit reports. This was never done by Upgrade, I then received a notice of collection in XXXX of XXXX that was dated on XX/XX/XXXX, from the following Debt Collector : XXXX XXXX XXXX - Reference Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX is a debt collector hired by the following collection agency : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Phone : ( XXXX ) XXXX I am not responsible for a BILL/ LOAN that I never received and repeatedly tried to get Upgrade to correct or cancel the loan, I included supporting documentation to Upgrade as proof that I did not receive this loan and disputed it. I have been repeatedly ignored by Upgrade management after asking time and time again for a return phone call. 


I request that this item be thoroughly investigated and deleted from my Consumer Credit Report Immediately. 


Thank you in advance for your assistance in resolving this matter quickly. 

Regards,
Product: Credit reporting or other personal consumer reports

I disputed a late payment ( s ) that was reported by 3 collections agencies that was sold to the following companies without my written permission. According to FCRA 605b section 1681 these companies do not have the right to do this. This is on my credit report by XXXX these collections are XXXX XXXX XXXX stating the account was paid off with a XXXX balance, by XXXXXXXX XXXX XXXX but written to XXXX XXXX XXXX that I owe {$740.00}, XXXX XXXX XXXX, my information was sold by XXXX XXXX in the amount of {$470.00}, and XXXX XXXX XXXX sold to them by XXXX in the amount {$570.00}. This account is also in error. 

I would also like to request my bankruptcy removed, due to XXXX not furnish this information.
Product: Credit card or prepaid card

I received my paper monthly credit card statement for my XXXX  XXXX XXXX XXXX   XXXX credit card managed by Bank of America. Included with the statement was an empty payment coupon to facilitate payment on my account. NO WHERE ON THIS STATEMENT OR COUPON DID IT SHOW THAT I HAVE AUTOPAY TURNED ON FOR THIS ACCOUNT. 

I then went to the Bank of America on-line website to verify my autopay status. On the initial web page after log-on I was once again reminded of my outstanding balance and due date, with a flagged message that a payment for the account was due. AGAIN, NO WHERE ON THIS INITIAL ACCOUNT ACTIVITY PAGE WAS THERE AN INDICATION OF AUTOPAY STATUS BEING IN EFFECT. 
After clicking thru several screens as if I were choosing to " make a payment '', I did finally see one small green box to the side of the screen indicating autopay " ON ''. 

Being the main cardholder for 5 other credit card accounts, I know that all of the other cards I hold ( managed by XXXX or XXXX XXXX ) clearly indicate on the billing statement, billing coupon and initial webpage that autopay is on and no payment is necessary. 

When I called Bank of America to lodge a complaint, the third customer service agent I spoke to told me 1 ) he had no access to anyone to whom I could directly lodge a verbal complaint and 2 ) he had no address to which I could send a written complaint. 

My concerns related to Bank of America 's credit card services are twofold : 1 ) Their confusing billing practices make it very likely that a payment could be duplicated. And if a duplicate payment were made, BofA would keep the extra payment and post it as a credit to the account. That erroneous payment would then be held by BofA and not returned to the client. 

2 ) Bank of America should have at least one avenue to allow formal complaint by customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX Account XXXX 15U.S.C 1681 section 602A. 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 1666b A creditor may not treat a payment on my credit account under an open end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

In early XX/XX/XXXX I began the process to refinance my home. The plan for the refi was to pay off some loans that were still active include a loan with XXXX XXXX XXXX or ( XXXX ). I missed two months of payments or around XXXX $ each. XXXX stated I could defer payments if I gave them XXXX $ in XX/XX/XXXX that amount was satisfied and the contract was sent for me to sign for the deferment. Almost a week later first or second week of XX/XX/XXXX I found put during a conference call wo th my loan officer XXXX XXXX at XXXX XXXX that XXXX did not show the deferment on my credit statement when I called them they stated that the contract needed to be wet signed. XXXX failed to ever contact me to advise me that the contract was approved or disapproved. Then a week or two later in XX/XX/XXXX my credit checker for the refi called XXXX with myself on a conference call to obtain a payoff amount I do n't have the exact amount available to me but it was XXXX and some change the check for that money was sent to XXXX one week before the XX/XX/XXXX. When I contacted XXXX today the XX/XX/XXXX the business informed me that there was a fee even though we obtained a payoff amount. The fee was XXXX $ the business failed to inform me that there was a fee and failed to provide that information when asked for the payoff amount. I believe XXXX 's intent was to extort me out of more money upon them receiving a large payoff amount for the loan. XXXX also said that it would take longer if I did not pay them the XXXX $ to investigate the issue.
Product: Credit card

I applied for a WELLSFARGO credit card thinking it was a Business Credit card on or about XX/XX/XXXX ; at that time I was not approved for the WELLSFARGO Credit card. However, I received a credit card in the mail from WELLFARGO on or about XX/XX/XXXX ; with a total credit limit of {$12000.00} and a Cash advance limit of {$2500.00}. I contact WELLSFARGO and spoke to a representative who I informed I was not approved for the credit card but received a card through the mail. I informed the WELLSFARGO representative to close the account ; the account was Officially CLOSED ; XX/XX/XXXX. As of XXXX, XXXX and XXXX of XXXX, Wellsfargo has continuously " reported '' to the Credit Reporting Agencies XXXX, XXXX and XXXX that the balance on the account has increased by imposing a {$40.00} LATE FEE on a CLOSED account that has caused my credit score to decreased on a monthly basis. The account is now reporting CLOSED with a - XXXX - balance as of XX/XX/XXXX.
Product: Credit reporting

Transunion has an incorrect address noted for me. I believe that there is an individual with my name who lived there, and the information was simply added to my report instead of hers.
Product: Credit card

I have had accounts with Wells Fargo for 20 years and a credit card with them for close to or during this entire time. They seem to have lost statements from early XXXX and pass me from one person to the next with promises for them to call but I don't seem to be anywhere closer to receiving the statements. I have expressed a need for these in a timely manner however they continue to delay.

Additionally, and now just as importantly, they have stated that I have delinquent accounts or prior credit cards with them. I have never been late, never missed a payment, and never been delinquent with anything - credit cards, mortgages or anything else. The first rep stated several times that I have a delinquent card with them. Another rep stated it was from XXXX and was a fraudulent account. Either way and again I have never been late or delinquent and want this cleared up ASAP and need the statement from last year immediately as I refer to them for tax purposes and their delays have caused me great issues with timing on my due dates. Every time I speak to someone its the same waste of time call where they say there is something funny with their system and cant find the statement for last year and are now stating that there is a derogatory account from XXXX. I am now hearing about this for the first time and know that I have never been late or derogatory.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I was scammed if {$500.00} and tried to have it canceled XX/XX/year>
Product: Credit reporting or other personal consumer reports

You are in Direct Violation of the Fair Credit Reporting Act - XXXX XXXX has violated several of my rights on two accounts 15 U.S.C 1681 section 602 A, Clearly states that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following late payments are billing errors pursuant to 15 USC 1666b XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
This is fraudulent to report this to my credit report, and I never got notice prior to them doing so. This is a billing error.