23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The issue o have is not with the medical provider, XXXX XXXX, rather it is with the debt collector, Transworld Systems Inc ( TSI ).

I had a balance due for XXXX XXXX in the amount of {$20.00} for services in late-XX/XX/XXXX. That amount was paid to XXXX XXXX on XX/XX/XXXX.

On it around XX/XX/XXXX, I received a letter from TSI datesXX/XX/XXXX noting this bill had been sent to collections. Upon contacting XXXX XXXX, they showed no balance due and sent me a receipt of payment from the payment made XX/XX/XXXX.

I then tried contacting TSI numerous times between XX/XX/XXXX and XX/XX/XXXX originally at the number on the mailed letter ( XXXX  ) and then through a number on the TSI website when 5 calls to the printed number ended up in a disconnected call due to a mailbox being full. When I called the number on the TSI website, I was transferred to 2 different agents who both told me they couldnt access any XXXX XXXX   accounts and they tried to give me the number that Ive been trying to call for the last week. I asked to speak to a supervisor and The agent at TSI was unwilling to do anything other than give me the number I already had that wasnt able to connect to anyone.

This is highly frustrating likely fraudulent business practices that have now taken me over an hour of time to attempt to address. Please make sure TSI doesnt do this to others.
Product: Credit reporting or other personal consumer reports

My account with 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 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 card

When I signed up for my credit card through US Bank I was told by the CSR my account would be interest free until approx XXXX 2015. I initially called in regarding something on my checking account. I opened XXXX savings accounts and was told I pre-qualified for a credit card through US bank with 0 % intro APR. I was charged APR. I attempted to call US Bank to figure out this situation. I asked them repeatedly to pull the call and listen to the call, so we could determine what was said to me. Supervisor said does not have option for call review. I was told there were no way to pull the call despite there being a call log. This a bait and switch on their part and apart of fraudulent business activities.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : 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: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Im quite aware that I have the given right as a California customer and consumer to make as many payments as I want to any financial institution at any given time, prior to any due payment date. 

However recently their online payment system is NOT allowing me to make payments prior to any due payment date. 

Also, I have encountered several issues trying to make credit card online payments through the CHASE CARD CREDIT SERVICES website : https : //www.chase.com.

The Chase.com online payment system is purposely sabotaging the credit card payment process, by eliminating and NOT displaying the expected payment confirmation page. 

Usually, when I make a credit card payment on the Chase.com website, it displays the following parameters information on its dashboard page : 1. Schedule a payment page, Payment Type, Pay from, Payment due Date, cancel tab, and Pay this bill tab. 

2. After setting and selecting the above parameters, I click on the " Pay This Bill tab and the system is suppose to automatically take me to the confirmation page. 

3. The confirmation page usually displays the following information : " Does everything look OK?, Amount of payment, Payment date, Pay from, Back Tab, and Pay It Tab.

Then I click on the " Pay it tab and the payment is posted.

However, recently Chase.com credit card online payment system does NOT take me to the dashboard confirmation page, and does NOT allow me to finish making my payment. 

The confirmation page is completely empty. It does NOT provide me with the following information : Does everything look Ok?, Amount of payment, Payment date, Pay from. Back Tab, and Payment Tab.

I have contacted Chase credit card credit services by phone at XXXX and spoken with several phone representatives to inform them of the malfunctioning of its credit card payment system and they have provided me with contradicting information on why this is happening. 

They have even told me that XXXX credit card payment system wont allow me to make a payment because I dont have a payment due at this time. 

I know that statement is completely false!!! I have the right to make as many payments as I want. 

I have also contacted them through their secure message system on the Chase.com website and they have not resolved the issue. 

Making these online configurations not accessible to their customers especially under the Covid-19 Pandemic situation, is unacceptable. Chase JpMorgan Bank. 

Chase.com and JPMorgan Bank should be penalized for these fraudulent business tactics against their customers.
Product: Checking or savings account

Ive recently had a multitude of issues with Atlantic Union Bank regarding lagging deposits and predatory overdraft fees. Last Wednesday, XX/XX/XXXX, at around XXXX XXXX EST, I initiated a money request from another account ( my husbands ) via XXXX provided through the Atlantic Union Banking app. His request was promptly transferred and the money immediately left his other account. At this time, my Atlantic Union Bank account had a positive balance. Atlantic Union Bank showed the transfer pending in my account for two days, meanwhile they approved several small charges. On Friday, XX/XX/XXXX, the money was finally deposited at noon. Then arounXXXX XXXX XXXX that same day, they tacked on an egregious {$38.00} overdraft fee, that subsequently sent my account into a negative balance, despite just making a deposit to keep it afloat. I reached out to banking customer service twice on Thursday, XX/XX/XXXX, to see why the payment had not yet posted, and no reason was provided or known. Then again I contacted customer service on Friday to reverse the overdraft charge that was posted two days after the deposit was made. No reversal has been provided to date. Ive retained screen shots of these transactions and their dates. I believe this bank purposely delays deposits made so that accounts incur overdraft fees in the meantime. This bank collected {$17.00} XXXX dollars in overdraft fees in XXXXXXXX  and its unethical practices just like this that are raking in all that revenue. I am going to seek legal counsel and explore the possibility of a class action lawsuit. I will also be reaching out to XXXX so they are aware of transfer delays specific to Atlantic Union Bank.
Product: Checking or savings account

On XX/XX/year>, I took my non-activated bank card to Citibank to have it activated so I can access my online acct- this was reccommended by the banker at my previous visit. The card was activted and i was advised the card would be locked unless I wanted to ise it. I advised them, I would not be using my bankcard and to lock the card which would prevent any use of the card. I took the card home and placed it in my drawer. On XX/XX/year>, I received an alert approx XXXX that {$35.00} was being withdrawn from account that I did not authorize. I immediately contacted Citibank and advised them of unauthorized use. I was advised they would block my card and file a dispute. I called Citi back on Mon and Tues for status, I was informed a dispute was filed and a new card sent out. I inquired how my card was accessed if the card was locked, i was told it wasnt locked, it was locked, they dont know. I attempted to contact the bank reps and as of today still no return call back nor an email response. I am unable to get an answer how my acct continues to get compromised and no one can seem to tell me, i only get transferred from one dept to the other with no definitive answer. I am also awaiting for the refund of a previous unauthorized withdrawal of {$2900.00} and Citi is unable to explain why they cant protect the acct. While previously visiting bank there were several complaints with other customers experiencing the same issue and Citi is not safeguarding our accounts and refuse to replace my money in my acct.
Product: Credit card or prepaid card

Dates : Too many to count. Most recent one is from XXXX Amounts : Too many to count. Most recent is worth XXXX + XXXX ( pending upon payment ) worth of American Express Membership Rewards points. 

Complaint : Although I have had numerous different types of issues with American Express, the biggest issues that have come up time and time again have been with their Membership Rewards programs. In the past, I have been charged twice for the same program, having to talk with numerous agents, provide screenshots, etc. to prove that I was being inaccurately charged until finally an agent agreed with the company 's mistake and returned my money. 

However, in the most recent case ( this same incident occurred in the past, I wanted to cancel the annual {$90.00} rewards program with my CORPORATE card, leaving my personal card untouched ; my personal card comes with the rewards program for free. The purpose of this was so that I could continue to keep the program, as well as all the current and pending points that I have rightfully accrued. I ensured with 2 different agents, repeatedly ensuring that they do NOT make the same mistake again by cancelling the entire program for all my cards, yet they still made the " error ''. The 3rd agent I talked to has told me a ticket will have to be submitted to investigations before they could reverse or fix this issue over the next 30+ days ... in the past they reversed it within the next few minutes. 

At this point, i'm starting to suspect that this company is purposely making these " errors '' and causing such a long turnaround in hopes that customers like myself will forget about it because " it's not worth the hassle ''. Unfortunately for American Express, I have had too many frustrating issues AND I have already paid the {$90.00} to accrue the points I rightfully earned, only for them to take it away AFTER they have ensured that they will remain in tact. I have lost full confidence in this company, to the point of suspecting malicious practices such as the incident mentioned above. I would NOT have taken the action of cancelling the program if the 2 agents have not promised a certain outcome. However, not cancelling it would mean I would have to pay Amex {$90.00} annually for something I don't want. 

All the chat history is there, and if they have recorded phone conversations, the evidence is all there as well. They claim " human error '' repeatedly, but apparently takes over a month to not fix, but investigate a human error made in minutes. It makes no sense, I have already paid them money, and they have deleted my rightfully owned points in the process. This is outrageous and am ready take all the necessary steps to file further complaints on the next level as necessary. I am not a consumer who will be taken advantage of, especially due to malicious activities. 

Full chat histories are saved on Amex 's end, and phone history, if saved, should also be saved on their end. Other than the chat screenshots I can see on my end ( and I'll be glad to send further screenshots as necessary, if possible from what i'm able to access ) if necessary.
Product: Credit reporting

The only names I have ever used are as followed ; XXXX XXXX and XXXX XXXX. I never spelled my name ; XXXX or XXXX or XXXX, please remove those names from my credit report. I have never lived in Pennyslvania and I need the XXXX PA address remove from my credit report. Thank you.
Product: Student loan

Hi, i have been trying to contact Edfinancials customer service for a week now to no avail. i paid my loan not knowing about the XXXX program and how I could benefit from it. i frantically wiped my savings thinking my payment was due soon, but it turns out the due dates were not accurate. i called to cancel my payment so that I can apply to XXXX  but they have not answered calls, emails, their chat does not work. I cant get a hold of anyone. this is a whole {$25000.00} and its a shame I can not get an answer for my calls and I can not speak to anyone.
Product: Credit reporting or other personal consumer reports

Equifax is disregarding the law yet again just as when they settled with you guys recently. I have sent them my identity theft report many times and they fail to comply and block this fraudulent information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX I applied for an automobile loan. The dealership sent my credit application to several lenders each time without my direct consent. I have called the lenders and none can produce a signed application for credit with their companies.
Product: Debt collection

back in XXXX I purchased a vehicle from XXXX XXXX XXXX in XXXXXXXX XXXX  and they were offering tires and rims from a company called XXXX XXXX  in that same year. The vehicle broke down and was irreparable. I contacted XXXX and told them that I would no longer be making payments on the vehicle as it was non-repairable they came and picked up the vehicle and would not allow me to remove the rims and tires that I had a loan through XXXX XXXX, therefore they took the vehicle along with the rims and tires I contacted. Its XXXX XXXXXXXX and told them that XXXX  would not allow me to remove the tires nor rims and that I should not be responsible for the remaining balance of the tires and rims. The representative from XXXX XXXX said they would be removing the debt from my name and now here we are XXXX and they have filed a lawsuit against me and have frozen my accounts because they have entered a judgment against me for the amount of the rims and tires which were taken back by XXXX  and most likely have already been re-sold.
Product: Credit reporting or other personal consumer reports

I contacted these companies and they did not provide any documentation supporting these fraudulent inquires on my credit reports to remove for unauthorized use of my credit and need these removed asap please and thanks. I am also attaching the Identity theft report to support my argument for removal of these items from my credit reports asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent an email per your directive in response to my CFPB complaint. I was informed when I called initially that I will receive a response within 7 days from the date I sent the email and now I am being informed that it will be within 90 days. I have disputed this item previously and you stated that it was verified. Was an investigation not processed from my initial dispute? My initial dispute letter to the credit bureaus is dated for XX/XX/2023. I initially wrote a letter to the credit bureaus disputing the account and informing them that I am a victim of identity theft. The debt is not mine. I have enclosed my Identity Theft Report and the letter that was sent to the bureaus informing the bureaus of this. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when providing information to credit bureaus. The Notice also states that if a credit bureau notifies you that information you provided may be the result of identity theft, you must stop reporting the inaccurate information and you can not attempt to sell or transfer the fraudulent debts to another party for collection.
Product: Credit reporting or other personal consumer reports

I made my mortgage payment on time however it had a small shortage due to an escrow amount change. The bank impounded my monies, did not apply them, did not return them Rather they held them with full use of the funds and did not compensate me interest. 
The amount that was sent in on time easily covered the principal and interest on the payment as well as 90 % of the escrow. The remaining shortage was already in escrow reserve so I had enough personal funds to meet the commitment. The bank also did not use my full contact information to notify me of the issue, e mail mobile numbers for myself and my wife were ignored. A letter was sent out and a message was left on an old work number. At the least horrible customer service but truly a deceptive business practice. They gather this information leaving the customer secure in the knowledge that the bank can contact you in the event an issue arises. Since amble monies were present to make the payment in full. A payment was never received by the bank late, and the fact they just sat on my funds is a great abuse of the relationship. When I complained to the bank they said they could not help me because XXXX XXXX is required to report all accounts fairly and accurately per the Fair Credit Reporting Act. Well if this is the case where is the fairness and accurate information. The report should say on time payment short a small amount. The late payment leads creditors to believe the payment was not made at all. This is a very big difference. I submit that the bank is in direct violation of the fair credit reporting act by not reporting ACCURATE information of the situation. This situation has caused me to be denied credit and dropped my score XXXX pts for my wife and I.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a serious issue regarding my account with you, which has led to severe inaccuracies and adverse effects on my credit report. The discrepancies and mishandling of my account have not only violated my rights under the Fair Credit Reporting Act ( FCRA ) but have also caused significant damage to my credit score. 

Background : In XX/XX/year>, my account with Elan Financial Services was subjected to fraudulent activity. Despite my prompt reporting of this fraud, Elan Financial Services failed to take appropriate action to rectify the situation. Instead, the following issues have arisen : Account Lock and Payment Reporting : Elan Financial Services locked my online access, which prevented me from viewing or managing my account. 
Despite this lock, you continued to report late payments and insisted on payment, despite the fraudulent nature of the charges. 
Inaccurate Reporting : My account balance was reported inaccurately as $ XXXX, which is a significant discrepancy given my credit limit was {$500.00}. This erroneous reporting is a clear violation of my rights under the FCRA, which mandates accurate reporting of credit information. 
The fraudulent balance and late payments have resulted in a drastic drop of XXXX points in my credit score across all three major credit bureaus : XXXX, XXXX, and XXXX. 
Harassment and Collection Actions : I have been receiving daily spam calls from an automated system, which constitutes harassment. 
My account has been erroneously placed into collections, further damaging my credit profile. 
Request for Rectification : I demand that ( Elan Financial Services ) address XXXX XXXX XXXX, XXXX XXXX, Missouri Remove all inaccuracies related to the fraudulent balance and late payments from my credit reports with XXXX, XXXX, and XXXX. 
Adjust the balance to reflect the correct credit limit and remove any erroneous late payment entries. 
Restore Online Access : Reinstate my online access to my account to enable me to manage and review it appropriately.

Cease Harassment : Stop all automated and unsolicited calls related to this matter.

Cease Collection Activities : Remove any collection status associated with this account from all credit bureaus. 
Failure to address these issues promptly and adequately will leave me with no choice but to pursue legal action to protect my rights. The inaccuracies in reporting and the harassment I have endured are clear violations of my civil rights and liberties. 

Please consider this letter a formal notice and demand for corrective action. I expect a response within 15 business days of receipt of this letter. 

Thank you for your prompt attention to this urgent matter
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ActXXXX 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 an account without my written instructions