23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX  numerous times about showing late payments on my credit report when they are PAID IN FULL! I have loan documents showing all paid in full!!
Product: Checking or savings account

I have recieved {$270.00} in overdraft fees over {$8.00} purchases made on the XX/XX/XXXX and money was put in and cleared before they added on the fees. I am also opted out of overdraft and these were one time payments. 
I checked my balance before every purchase and its totally wrong what they do. 
They will show something as pending and then the charge disappears for two days and shows back up screwinf uo your balance. They will as the fee even after a withdraw is cleared and your account is positive. They charged me {$270.00} because of {$8.00}. 


Simply looking at my statements you will see that the money going in my account is more than going out and that even though they charged me XXXX my account is only overdrawn XXXX, and i have not added money since a fee was added. 
Clearly that being the case proves i never should have been given a fee since my account would need to have a negative balance greater than the fee since its a fee for covering my purchases. But they didnt cover any funds for me and the only reason im negative is their ridiculous fees. {$270.00} over {$8.00} is unjustifiable.
Product: Checking or savings account

My information got stolen and card as well. There are multiple fraudulent activity on my account I realized. So I told cash app my debit card that it was fraudulent activity that I didnt authorize it. They didnt do anything or resolved the issue. My money is gone for something that isnt my fault. The bank is supposed to protect me not give me a hard time!! please help me its stressful I got to pay bills. Be in my shoes. How is it my fault? I thought we are protected from fraud! This is XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX 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: Debt collection

On XX/XX/2020 I sent Phoenix Financial Services LLC a dispute/challenge via certified mail USPS. This letter stated that I would need proof or verification that is account is mine because I do not believe the account is mine. I requested documentation which I never received. On XX/XX/XXXX I sent another letter to Phoenix Financial Services LLC via certified mail USPS this letter was a request to remove the negative account from my consumer credit reports because Phoenix Financial Services LLC is in violation of the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. Phoenix Financial Services LLC has still failed to remove the negative information from my credit report. This is clearly willful noncompliance. I have maintained a careful record of all my communication with Phoenix Financial Services LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had JEFFERSON CAPITAL SYSTEM as a creditor. Per my research JEFFERSON CAPITAL SYSTEM is a debt collector falsely attempting to collect a debt that isn't there's. 
I have requested that JEFFERSON CAPITAL SYSTEM provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature with JEFFERSON CAPITAL SYSTEM.

In addition please provide the contract signed between JEFFERSON CAPITAL SYSTEM & 12 XXXX XXXX, notarized and sworn under penalty and perjury for JEFFERSON CAPITAL SYSTEM ability to collect this alleged debt. 

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., XXXX XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 

I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California XXXX  ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 

Please send all validating records through the CFPB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address.
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment history reporting from XXXX XXXX XXXX is incorrect. If the car was repossessed in XXXX, why is it showing late from XXXX XXXX XXXX? It is not possible for this account to late after or to be charged off before repossession. Which shows XXXX XXXX XXXX. 

This is a violation [ 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

I'll like to know why am I am being targeted. I have rights that should be honored. This inaccuracy has caused suffering. There are over 12 payments that are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ben trying to dispute a bankruptcy that is on my credit report for over a year with TransUnion. I have sent in letter after letter, and also verification that this bankruptcy does not belong to me. The only reason they keep verifying it is because they are calling an automated system getting information. I called today an spoke with XXXX on XXXX/2018, and at first she said they verified electronically, then when I informed her that I contacted the court and they informed that that they do no communicate with any credit agencies or third party credit agencies, then she comes back to the line and tell me she called a number and verified it on the phone just then. my question to her was how do you know that he information was correct when you did n't actually speak to a live person, and you did n't physically receive any paperwork verifying this information. She told me well that was all they needed they did n't need to speak to anyone or need any paperwork to verify it. I find this practice odd because most public records are verified through XXXX or XXXX. I just want it verified the correct way or have them remove it from my credit report. I have sent information to them verifying that the BK is not mines and can not be verified.
Product: Student loan

My daughters college loans were with Sallie Mae and I have seen where their practices were deemed illegal. I feel I am owed compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

It disappoints me to see that the Credit Buraus haven't done anything to correct my Credit Report despite the countless attempts to establish a firm communication with the Credit Bureaus. I have been sending dispute letters to the Credit Bureaus to inform them that I am a victim of iof Identity theft I write to dispute information on my Credit report that resulted due to identity theft. The Credit Bureaus are required to remove any accounts and information that the Consumer identify as item resulting from the identity theft. I have been trying to emphasize the importance of the FCRA section 605b to the Credit Bureaus trying to protect my rights and correct my Credit file from any erroneous reporting. I am hoping that by submitting this complaint through the CFPB, my voice would be heard by the Credit Bureaus and have the disputed items removed immediately. Here the list of the items I need deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX {$980.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX {$980.00} XXXX XXXX ( Original creditor : XXXX  XXXX XXXX  ) XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX : {$1400.00}
Product: Debt collection

I paid ARS National Services Inc.XXXX and XXXX was to be forgiven. I paid ARS which is the collection agency for XXXX. I paid settlement amount of XXXX and they were to report a XXXX balance to all XXXX credit reporting agencies which they never did. They still expect me to pay XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not correcting personal information or deleting incorrect accounts that do n't belong to me. For instance they are reporting an  XXXX   XXXX   XXXX  account and  XXXX   XXXX   XXXX  and a Treasury that are incorrect, and they must remove the incorrect information. What Equifax has been stating instead is that the customer disputes the information.     My student loan is being held up because of this.
Product: Credit reporting or other personal consumer reports

These inquiries are unauthorized inquiries on my credit report that i would like to remove. 

I am a victim of identity theft. Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My previous address needs to be removed from my credit report.
Product: Vehicle loan or lease

Hi my name is XXXX XXXX and Im having a problem. I bought a car from a in house by here pay here dealership no credit check and they still put it on my credit. I never sign no contract for credit check with them that was the whole reason why I was interested in getting a car with them. They charge me XXXX for XXXX with XXXX miles the engine light was constantly coming on and the motor & transmission was going out. They were in house and they financing through another company dealership which is fraud. Now it says its a repossession on my credit because they reporting fraudulent information on my behalf & Im under the XXXX XXXX XXXXXXXX and Im trying to moving and its making me get denied because of a car thats on my credit that had multiple of mechanical problems. I never signed a financial agreement with CNAC I dont even know what that is. I signed one with JB BYRIDER! And they are going by in house laws and rules as far as pricing and even the repossession the finance charge, but they added it to my credit like I agreed and its on a finance where they used my credit to get it. I wont this removed immediately and they also need to be investigated for all the people they have done this too This definitely against legal rights can you guys please give me a call back at XXXX that way I can explain more and more details over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I My XXXX Credit report missed two addresses first lived from XXXX to XXXX and second from XXXX to XXXX, ( and too many many of the same address I had rented for a short period of time a bedroom only for 3 months XXXX XXXX XXXX repeated as my residence ) ... I followed directives sending ID documentation along with a typed printout of my addresses in chronological order to as advised to : XXXX XXXX XXXX XXXX, XXXX TX XXXX that was returned " Return To Sender No Such Number Unable to Forward ''. 

Furthermore, my attempt to generate a credit report via XXXX, I got twice the notification it would not recognize my profile no such information credit report ( my correct SSN, Addresses, Name, DOB were entered ), and unrecognized ... That is a HUGE concern and red flag. 

Please advise if there should be a different address for XXXX I should forward my documentation and request to fix any discrepancies for my credit report.
Product: Credit card or prepaid card

Signed up for XXXX Credit Card. 

2nd payment problems started : In order to set up 1st payment, a bank or debit card must be added and authorized. Rounting numbers and account numbers were entered. 

Customer selects a schedule payment date. All indications to this point alert that it is a reocurring date that you are selecting. Customer is actually only scheduling a ONE TIME NON REOCURING payment. 

I recieved calls alerting me my account is past due and a late fee. The game is to entrap customers into thinking they have made a reoccurring payment and then trick them with a late fee. Once you call in, when this happens, this uses up the one and only late fee grace period per year, making it seem like they extend you good will. And now making it much more likely you will forget to make a payment in the future and a higher chance they keep the late fee. 

Company should be obligated to provide auto payments or prevented from scheduling payments in a future date. They are clearly the same system, but used selectively for max profit. Company is obligated to disclose that it does not have auto pay and you must pay again manually within 30 Days. 

A helping you from the water with the hand they pushed you in with.
Product: Credit card or prepaid card

XX/XX/2022 XX/XX/2022 identity theft scamer got my social security number and I use the card and the company restricted told me to dupite of my credit report and call credit bureau did not work and the company rejected my payment and reject my work program and company told they did not work with 3rd person because of frustration account.
Product: Credit reporting or other personal consumer reports

On XXXX XXXXXXXX responded to my request for removal of inaccurate reporting. Their response stated that the account was sold to a company by the name of XXXX XXXX. There is no such company listed on my consumer report, however XXXX is listed on my report as a collection. This account needs to removed as I do not have a debt with XXXX nor do I have an account/debt with XXXX XXXX. XXXX has made false and misleading statements which is a direct violation of 1006.18 CFPB. Also, if the account was sold ( creating a charge off event ), I should have received a 1099C ( I never received one ). When a 1099C is issued, I would have became responsible for income generated by the cancellation of such debt. If I am responsible for the income then that would mean I can't owe a debt and pay taxes on the income of that same debt. It appears that XXXX operates fraudulently and doesn't mind violating consumer laws.
Product: Debt collection

Hello I went to the hospital on XXXX the XXXXXXXX XXXX I gave them my insurance then a few days later I received a bill from this company that told me to disregard the bill and that the practice that this was sent to was in the network today XX/XX/2022 I received another bill for the same amount requesting payment
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX IL XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3800.00}
Product: Debt collection

On XXXX2020 I received a letter from Synergetic Communications Inc ACCT # XXXX on behalf of XXXX XXXX XXXX ACCT # XXXX attempting to collect a debt not owed or known of. This is a complaint as this company is in violation of 15 USC 1692c ( a ) -Communication with the consumer. Generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. As neither company have no written consent from the consumer or judgment from a court competent jurisdiction they have blatantly violated the FDCPA. To further there is no known or first hand knowledge or relationship with the two companies mentioned. This is TRESPASS and invasion of the consumers legally protected interest ( PRIVACY ). These companies are liable for violations under 15USC 1692ka1.  THIS IS ALSO NOTICE TO CEASE AND DESIST ALL COMMUNICATION EFFORTS I would like to also ask are these companies in possession of the consumers social security number? If so then that is identity theft per 12CFR 1022.3h.If not then this is harassment per the FDCPA as they are trying to  collect from the wrong person.
Product: Credit reporting or other personal consumer reports

I looked At my credit report on XX/XX/XXXX and XXXX XXXX  are still reporting inaccuracies of information reported/updated invaild an inaccurate information shall be verified not updated OPEN DATE ON THIS ACCOUNT WAS XX/XX/XXXX ( 1YR,8M ) REPORTING AS CHARGED OFF AND CLOSED. AS OF XX/XX/XXXX THIS ACCOUNTS REPORTS INVALID INFORMATION ON CLOSING AND LAST REPORTED DATE ( XX/XX/XXXX ) How can this information and dates be correct or valid. AS OF XX/XX/XXXX THIS ACOUNTS SHOWS AS OPEN AND HAVE AN OPEN BALANCE BUT SAYS CHARGED OFF BY CREDITOR, SHOWN ON XXXX, XXXX, TRANSUNION.THIS ACCOUNT IS SHOWN TO MANY INACCURACIES ALONG UPDATING AN MODIFYING MORE INVALID AN INACCURATE INFORMATION AGAIN.IM ENTILTED TO a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under 15 USC1681 ( i ) 5 ) Treatment of inaccurate or unverifiable information ) In general, after any reinvestigation of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallpromptly delete that item of information from the file of the consumer as appropriate, based on the results of the reinvestigation
Product: Credit reporting, credit repair services, or other personal consumer reports

My Information was used to try and Obtain Auto Loans & Credit Cards
Product: Debt collection

I have disputed these debts with XXXX, XXXX and XXXX 9 times with success in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2023, XX/XX/2023 The following Collection Company : Receivables Performance Some of the answers that I received were that the collection had an update, and deleting it from my credit report but right now it appeared again in my credit report with this other Collection Company : ( Source Receivables MNG ) {$920.00} charging the same collection that I deleted in the past because it was not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with EQUIFAX regarding an account that is not mine and it has been more than 60 days and no response from them.Equifax disregarded the law by not responding to consumers disputes.
Product: Credit card or prepaid card

I WAS CONTACTED BY THIS COMPANY XXXX XXXX TO PERFORM A SERVICE FOR ME AND I PAID THEM XXXX ON XX/XX/2010 AND NEVER HEARD FROM THEM SINCE. I WOULD LIKE TO GET MY MONEY BACK. I CALLED CHASE VISA CREDIT CARD TO REPORT THIS FRAUD TO THEM AND THEY DID NOTHING. PLEASE HELP ME GET MY MONEY BACK
Product: Money transfer, virtual currency, or money service

I am filling 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 effective 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.