23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 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 21 days before the payment due date. 


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 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 8
Product: Credit reporting

Several paid collections came off of my report, then after I bought my house, those mysteriously came back on.
Product: Credit card or prepaid card

I have documentation that supports the fact that the activity on my Discover card on XX/XX/2020 was fraudulent. The 22 charges that were made on my Discover card that day Included 21 charges to XXXX  in XXXX XXXX, FL ( 10 transactions for {$950.00} and 11 transactions for {$100.00} ) and one charge of {$1.00} at XXXX XXXX XXXX XXXX, FL. This totals to {$10000.00}. This is a case of classic fraud. There would be no reason for me to make 22 charges of the exact same amounts on the same exact day at the same exact store. In addition, all of these transactions took place in XXXX XXXX, FL and I reside in XXXX XXXX, IL. I have documentation proving that I was at my job at XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, IL on Friday, XX/XX/2020 thus proving that I was nowhere near the Florida ( where the fraud activity took place ). The documentation shows that I attended two professional development sessions on that day. At my job they keep track of the employees temperatures and when they entered the building. 
I called XXXX  XXXX and they said they can try to look up surveillance footage, receipts, etc. to show that I was not the one making those purchases. They requested that Discover Card contact them and speak to their Bank Card Service Team. 
I did not authorize any of the charges on XX/XX/XXXX. According to my XXXX phone, I received a call from Discover Financial. When I received this call, my caller ID stated that it was Discover Financial. When I answered the call, I was told that my card was compromised and that I had fraudulent activity on my card. I told the man on the phone to cancel my card because I was not the one making those transactions. He then said he needed some information from me in order to cancel the card. I do not recall exactly all the information he asked for, but I did not give him my full card number or my social security number. He then told me that a text would be sent to my phone with a code that he needed that would allow him to close my account. I received a text from XXXX and received a code ( XXXX ) at XXXX and I told him the code. 
When transactions kept appearing on my account and exceeded my credit limit of {$10000.00}, I was very confused and concerned. I called Discover and told them that I dont know why but there was still activity on my card even though it should have been closed. They looked in their system and told me that no one tried to close the account. Instead, someone verified that all of that activity was valid. I DID NOT do this. I told the woman that I requested to close my account, I made it known that I was not making the charges, and that I do not recognize and do NOT authorize any of those transactions. The representative made note of it and then closed my Discover account and said I would be getting a new card in the mail. 
Please let me know if you need me to provide you with any more evidence proving to you that I did NOT authorize anyone to use my credit card, I did not make those purchases and I was not even in the same state of where those purchases took place. 
Thank you for your consideration.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates removing any incorrect accounts from my credit report. Could you please verify the documents? Several of the listed accounts have inaccurate reporting, including inaccurate amounts and dates.
Product: Vehicle loan or lease

I currently have an auto loan through Capital One. I was involved in a car accident in Michigan where the state has no fault insurance. Due to that and the month it took for them to report my car as totaled I had to quickly find a car because I depleted my savings into a rental thinking my car was going to be fixed. I went to a great dealership where they were very helpful -- from what I thought. The payments were manageable -- not ideal but manageable at about {$340.00} a month. Its been about a year with this car and I've been making the payments. With being a student in school and working to build my finances I had my cousin help me work a path to save. I sent him everything to look into and he came back and was astounded that this dealership let me sign these papers given what the interest rate was 21.68 %. In my defense I grew up in a household where I was not taught any of these things and our education system doesn't even touch on this. I looked at the payment amount and thought all was fine. 
I've reached out and they told me that due to my credit that is why it is high. Other lenders have told me the same thing -- how is this a fair market for those who are learning and trying to get themselves out of a mess like this? My questioning as I am slowly learning the total amount I'd be paying in interest is at this point robbery.
Product: Debt collection

Financial Solution Providers responded to my 1st Complaint by saying they removed my file from their calling record but Ive received two calls afterwards and one where I have the voicemail still. 

Previously as well FSP contacted my place of Employment and disclosed everything I allegedly said to a Representative on the phone prior ( whom Id asked multiple times before to quit calling me & my place of Employment ) Im aware the State of Florida is beyond lenient on holding Telemarkters/Debit Collecters accountable for their actions and its very unfortunate. 


A Representative misrepresented himself by pretending to be someone else with a different name. Id like to know how thats acceptable? 

Another Representative misrepresented themselves as a XXXX Sherriifs Deputy to me. Id like to know how thats acceptable behavior? 

This Business Commits Many FDCPA Violations.
Product: Credit card or prepaid card

This complaint is about a specific late fee policy with Bank of America Visa. I have already paid the fee, so that I can promptly and cleanly close my account. However, this particular policy seems like it should be illegal, and other people should not be taken advantage of going forward. Here are the details : My XX/XX/XXXX bill had a balance of {$89.00}, due by XX/XX/XXXX. 
My card has a cash back feature. Cash accumulates in your account until you either apply it to your bill, or request a check. I chose to apply {$89.00} from my cash back to my bill. It was credited to my account on XX/XX/XXXX, bringing my account balance to {$0.00}, prior to the due date. 

B of A then charged me a late fee of {$25.00} on my XXXX bill, and flagged my account as being past due, even though the balance was XXXX! I called B of A on XX/XX/XXXX for an explanation. They said that I still owed the minimum due amount, even though the balance was XXXX! The original person I spoke to also didnt understand this policy, and checked with their manager. They maintained that I would have had to pay {$25.00} more than was due! 

Nobody would interpret their still owe the minimum due policy in the same manner as they do. This policy seems to be aimed specifically at collecting additional late fees, from people who will not notice it, or will not contest it. If they really want a minimum payment from outside of the BofA account, then they should explicitly say so. As it stands, BofAs policy seems predatory, and should be illegal. 
Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my credit report that I didnt authorize 42 inquirys to be extact I have tryd every step the reporting agency asked me to do they have failed to do thier prt
Product: Money transfer, virtual currency, or money service

I sent a payment to my roommate for rent on XX/XX/XXXX. On XX/XX/XXXX, I woke up to notification from the Chase app and via text message that my account was overdrafted by almost the exact amount that I had to sent to them. Checked the app and the charge was processed twice with the exact same confirmation/processing number. 

I reached out to Chase at XXXX but they werent open. I then reached out via XXXX as that was suggested. They advertise that theyre open at XXXX XXXX via XXXX, but I still havent gotten a response. 

When their call center opened, I called and was transferred to a representative where I was told that this was an ongoing issue that was being reported and that they should have it fixed soon. They have no foreseeable timeline and considering its not only the weekend but also a date where most people pay their rent, its even more egregious that this hasnt been fixed and that a large number of people might not have access to money until Monday.
Product: Checking or savings account

On Wednesday, XX/XX/XXXX, I was supposed to get paid through Capital Ones early direct deposit. My pay was never posted, so I waited. I checked my account the next day and my pay was still not there. I called Capital One to figure out if it was an issue on their end or my payroll. After a 40 minute hold, I was told there was a technical issue and they couldnt give an official timeframe when it would be resolved, but by the end of the day, payments should be posted. This morning, on Friday, XX/XX/XXXX, ( which is my official payday Im supposed to get paid on ) my direct deposit still had not shown. It is XXXXXXXX XXXX My mother, who also banks with Capital One, tried to XXXX money into my account, but that hasnt shown either. This is a disservice to their customers. Ive been banking with them for almost 10 years and I dont feel secure in doing banking with them anymore.
Product: Credit reporting or other personal consumer reports

I have repeatedly reported instances of non-stop and disrespectful contact from your agencies during inappropriate hours, despite my efforts to address and rectify the situation. In addition, my request for proof of application to your companies resulted in an onslaught of emails and bills, indicating a monthly membership cost, which I find to be both unjust and in violation of consumer rights. 

Per 15 USC 1681n, each violation incurs a fine of {$1000.00}. Given the persistent nature of the violations, I demand immediate cessation of the unwarranted communications and a thorough investigation into the aforementioned issues. Furthermore, I expect prompt remediation and an official response outlining the steps taken to rectify the situation. 

I am prepared to escalate this matter to legal authorities if necessary, and I trust that it will not come to that. Your cooperation in resolving this matter expediently is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hav disputed this exact collection with other bureaus and with the company, and XXXX  and XXXX  both did not receive sufficient enough information to verify. Although, XXXX  is still reporting this, and I have requested disputes on this account. It appears to be a Ambulance and/or medical bill. 

I can not verify the authenticity of this as they have not and legally can not provide that information. So through XXXX, I requested that they receive documentation regarding this dispute, and it has just been completed. So, for one, the only way the representative stated he would verify the account is social and date of birth, although I feel like a victim in the sense of I can not even receive verification, nor have I ever received a bill for this account in question. 

Also, why would 2 bureas remove the collection while 1 can not? And on top of that, if they did provide patient information ( to include name, date of birth, and social ) and/or documentation, that is a clear violation of HIPAA laws, due to medical information.
Product: Vehicle loan or lease

I called XXXX XXXX durning Covid and the company stated I wasnt to worry that I would be covered until the worst day came and I had a wreck. I called them and they did not help me. It left me with a total lose and now I owe the loan company and the person whos car I hit
Product: Mortgage

I have a final judgement vacating the mortgage that " Nation Star '' & XXXX XXXX are trying to collect. Additionally, they have stolen my insurance proceeds and have refused to return them. I have been living in squalor as a result of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XX/XX/XXXXXXXX Balance : {$7.00} DEPTEDXX/XX/XXXXXXXX Balance : {$0.00} DEPTEDXX/XX/XXXX XXXX Balance : {$0.00} DEPTEDXX/XX/XXXXXXXX Balance : {$0.00} DEPTEDXX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX Balance : {$580.00} This complaint is my follow-up to ensure that the listed accounts are fixed and updated
Product: Debt collection

Today XX/XX/XXXX I received a collection notice from Sonnenschein financial stating that I owe {$230.00} for a red light violation ticket that was issued on XX/XX/XXXX in XXXX XXXX, IL. Ive received a letter like this last year and I called immediately to rectify the situation when I called last year I did not get a response so I left a voicemail for a representative to call me in the voicemail I stated I received a letter and that I had filed chapter XXXX bankruptcy I left my name and contact number and I never got a call back. Later in that week I tried to call the company to check the status because I hadnt heard anything back and no one picked up the phone again. Since I NEVER heard back from Sonnenshein I assumed that this was an error on their part and the issue was corrected. Fast forward to a year or so later and I got yet again another notice in the mail. I had not gotten any other letters about this since that one last year. The letter states in bold I have ignored their previous reminders concerning my indebtedness and this is simply not true this company is ignoring and harassing me. I called today XX/XX/XXXX to get this matter situated and the first of many representatives I spoke to the first being XXXX XXXX was very rude and I knowledgeable about the situation and she hung up on me because she didnt like the fact I was trying to tell her I did not owe a debt and would like to stop receiving correspondence from this company. She was very unprofessional. After XXXX XXXX hung up on me I had to call again and I got XXXX XXXX and I asked him and when I informed him Im trying to get the situation taken care of miraculously the call dropped or he hung up I dont really know. Again I had to call back because by this time no one had taken the bankruptcy information according to XXXX that she needed. So I called again and this person didnt state his name but I explained that I need to submit my bankruptcy information and he transferred me to XXXX XXXX XXXX voicemail I got so I left a voicemail. I called again and finally got XXXX XXXX again and gave her my bankruptcy case number and the district I filed in. After XXXX supposedly took the information down I asked to speak to a XXXX and she said she can transfer me to the supervisor and I said yes I would like that. XXXX proceeds to tell me the supervisor isnt available and I asked to be transferred to his or her voicemail so I can leave a message she said okay and she hung up AGAIN. This whole ordeal is so frustrating and is causing me great XXXX. I filed bankruptcy XXXX years ago so it is not fresh I sent out all correspondence to every collector that I filed bankruptcy so Im not understanding why XXXX years later I am still being harassed! I can not stop crying from this horrible experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two weeks ago I received my annual credit report from XXXX online with no problems. On XX/XX/2018 at XXXX I applied for my XXXX  and Equifax annual credit reports online. I received from XXXX  but Equifax denied and demanded unusual documentation to be submitted by mail. Screenshots attached.
Product: Bank account or service

XXXX forged checks were written against my checking account. The checks were obvious forgeries ( easily spotted ) but were cashed at local branches of the same bank ( Huntington National Bank ) that held my account. The person who committed offense is a known person with a lengthy criminal background. The complaint was filed with my bank and a police report filed. The police detective ( who I have been in contact with ) has had no response from Huntington Bank. Information from Huntington Bank is needed to issue warrant and arrest the perpetrator of crime. I have been told by the police detective that it is very unusual that a bank will not cooperative in pursuing an arrest and conviction in a check fraud case. I was assured by Huntington Bank early on that they would pursue charges and I would be refunded the lost funds. Instead Huntington Bank ( to the best of my knowledge ) has done nothing to assist in investigating and apprehending suspect. Instead they are blaming me for the incident for not having better control of checkbook. As a ~40 year customer of this bank with multiple business and personal accounts over the years, I am very dissatisfied with the lack of integrity and negligence of Huntington National Bank .
Product: Credit reporting or other personal consumer reports

Below is the initial complaint, since then the company has sent a complete payment history which proves that the amount left on the loan is what I paid. This loan should have never been charged off and reflecting on my credit worthiness. 

I obtained a vehicle loan for a new car through XXXX XXXX XXXX on XX/XX/XXXX. The loan was paid in full on XX/XX/XXXX with XXXX balance. I pull my credit report XX/XX/XXXX and discover that XXXX XXXX has reported my account as a charge off starting in XX/XX/XXXX in the amount of {$1000.00}, 16 months after I made the final payment and had a XXXX balance. I have reached out the XXXX XXXX  as well as Equifax numerous times ( dates listed below ) without response from XXXX XXXX as well as this remaining on my Equifax credit report still reporting as " charge off '' until XX/XX/XXXX which starts it listed as " NR '' meaning not reported. This is currently still showing " Charge off '' on my credit report from XX/XX/XXXX - XX/XX/XXXX in the amount of {$1000.00}, XX/XX/XXXX shows not reported however the damage to my credit profile is there and lingering. This loan was complete and paid to a balance of {$0.00} in XXXX and should not be reporting Negatively on my credit.
Product: Checking or savings account

Citi Bank stole my money in the amount of {$9900.00}. 
I opened a checking account online, received a debit card and a PIN code in the mail, activated my debit card. 
Deposited a check for {$9900.00} in my name, written to me by XXXX XXXX. Tried to transfer money to my savings account. Citi Bank blocked my account. Now I do not have access to my account and my money.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effictive measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XX/XX/XXXX Utility - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately USD XXXX to XXXX. 

Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. 

So, $ XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately USD XXXX. 

I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only 1 inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. 

At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. 

Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.