23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On Friday, XX/XX/2021, I payed my debt. I asked for receipt, and XXXX ( they were hired by LVNV FUNDING LLC ) said give until Monday and send the receipt back signed. I did I waited up until that moment and called them back to ensure they received it. They claimed they did and the XXXX balance paper would be sent to in 24 to 48 hours. On XX/XX/2021 I called them and they claimed they never received the signed receipt. I told them a previous representative claimed they did receive it. They said I would have to send it again and give it another 24 - 48 hours. I ended the call and decided the FTC would be the best course of action. All they did was claim I never made contact with on Monday XX/XX/2021. I simply want a XXXX  balance letter, but they only seem to be having me run around in circles
Product: Credit card

Last month I paid my credit card in full but when I scheduled the bank withdrawal by mistake I scheduled two payments for the same amount. The amount paid was the full balance for that month. When I realized that I paid twice, I called the credit card to let them know that I mistakenly paid twice. They said that they will credit back one of the payments, they did. The problem that I have is that the payment that was not retuned to my bank account has not been credited back to the credit card either. I called to ask why this payment was not credit yet. The explanation they gave me was that the money was returned to my account so they have to charge me again, which I do n't understand why. As today it appears that I still own the credit card what I already paid. I do n't understand their statement because it does not reflect that I actually paid. What are my options? I do n't understand how they are making my payment disappear? I like to mention that I pay all my charges at the end of each billing cycle to avoid this kind of problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency, XXXX, will not properly and independently investigate my factual disputes. Without providing me with any proof, XXXX returns my disputes as updated and verified, even though information is inaccurate, incomplete, or missing. 

XXXX continues to ignore my legal requests for investigations into inaccurate reporting of the following accounts. 

1. XXXX XXXX XXXX XXXX XXXX XXXX  : Remove this account, for inaccuracy because you are reporting a balance when there is no balance. The account is paid. Previous reports show a XXXX balance. You can not add a balance on a paid and closed account. I demand that this account be deleted immediately. 

2. XXXX XXXX XXXX XXXX  : Delete for inaccuracy because you can not report an account for me with no payment history as accurate. 

3. Comenity Bank/Express XXXX XXXX XXXX : Delete this account for inaccuracy, because you can not report an account for me with no payment history. 

4. XXXX XXXX XXXX XXXX XXXX XXXX : Delete for inaccuracy, because actual payment amount is missing.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is ridiculous how unfair the reporting process is. When you create debt it appears within days on your credit report. When you pay it off Trans Union and XXXX fail to ever update it even after several disputes. They should call it the Unfair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I have tried pulling my credit and have gone to different companies, they all say that the credit bureau keeps messing with my credit report and reporting different information causing an error in the system these accounts do not belong to me and are reporting on my credit report, these accounts are causing an identity issue resulting in " UNABLE TO VERIFY IDENTITY '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY NONE OF THESE ACCOUNTS BELONG TO ME AND ARE CAUSING AN IDENTITY ISSUE
Product: Debt collection

Im in financial hardship due serious medical XXXX conditions. 
My business is closed to unable to work due to my medical XXXX conditions. In this overwhelming business debts unable to pay. They are threatening to take legal action against my person. What can I do?
Product: Checking or savings account

Background of the Incident : On XX/XX/scrub>/24, I visited the Chase Bank branch to obtain a cashier 's check, having deposited a check from my retirement company the day before, which had cleared and was shown as available funds in my account. The purpose of this transaction was to purchase a car, a deal which was contingent on completing the payment by XX/XX/year>24. 

Issues Faced : Miscommunication and Poor Service : Upon requesting a cashier 's check, I was met with a confusing response from the branch XXXX, who escalated the situation unnecessarily without clear communication. Despite my funds being available, the XXXX delayed the process, resulting in a false claim of potential fraud without substantiation. 

Unnecessary Police Involvement : The XXXX, without any reasonable cause, involved the police, claiming a threat where there was none. This action was not only baseless but also humiliating and distressing for my family and me. 

Account Lockdown : Subsequently, my account was locked, and a fraud alert was placed, preventing me from accessing my funds. This action was taken without my consent and without providing any valid reason, leaving me unable to complete the payment for the car, thereby losing the opportunity to purchase it. 

Lack of Support and Transparency : Throughout the ordeal, there was a stark lack of support or proper communication from the bank. I was left without answers, and my repeated attempts to resolve the issue through customer service were futile. 

Additional Consequences : Potential Account Closure : I have been informed that if the check verification deems any issues, my account will be permanently closed, and it will be marked as fraudulent, impacting my financial records for life. 

Return of Funds : Should this closure occur, I have been told that the funds in my account will be returned to me via mail, which poses significant inconvenience and risk, further complicating my access to my own money. 

Long-Term Impact : Such a mark on my financial history could severely impact my ability to open bank accounts in the future, obtain loans, or secure housing, profoundly affecting my financial well-being. 

Impact : This situation has left me without a car, which was crucial for my mobility and daily activities, and has unjustly tied up my retirement funds. The actions of Chase Bank have shown a disregard for customer rights and a failure to provide service with dignity and respect. I'm not able to buy household items, and medicine. 

Key Concerns : Wrongful accusation and account lockdown without proper justification or procedure. 

Inappropriate and unprofessional conduct by the bank XXXX including public defamation. 

Financial losses and XXXX  XXXX  resulting from the inability to access my own funds. 

Police called on my family. 

I was profile by race, gender, age, and appearance. 

The Bank XXXX XXXX XXXX in XXXX told me he had to see where I got the money from, and he stated it wasn't his day. My mother offers to take the funds from her account, and he stated he would do the same to her.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am giving you one warning, because i will SUE. Remove an alias ( old last name ) off of this report.i want it off now, ive told you several times on the phone you are all LIARS telling me you took it off. im suing you and XXXX, because i asked you to take it off due to a stalking incident and instead you left it on there and i have been located. if anything happens, you and XXXX  will be held accountable.i will be contacting a lawyer if i see my old alias still there. i am serious. 

the old last name needs to be taken off!!!! 
old last name : XXXX. 
no longer my last name!!!! 

a correct alias will be XXXX now that i have REMARRIED
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

PennyMac Loan Services LLC hired XXXX XXXX XXXX XXXX to act as their Attorney to attempt to threaten and XXXX me into compliance. XXXX XXXX XXXX XXXX. issued out a letter dated XX/XX/2023 which states " XXXX XXXX XXXX XXXX. is a debt collector. We are trying to collect a mortgage debt held by PENNYMAC LOAN SERVICES LLC ''. Under the heading How you can dispute the debt? it has two separate responding point " call or write to us by XX/XX/2023 to dispute all or part of the debt. If you do not we will assume that our information is correct. '' " If you write to us by XX/XX/XXXX XXXX, we must stop collection on any amount you dispute until we send you verification of the debt. '' Under the heading " What else can you do? '' " Write to ask for the name and address of the original creditor, if different from the current creditor. If you write by XX/XX/2023, we must stop collection until we send you that information. '' I responded back via certified mail on XX/XX/2023 they received the mail on XX/XX/2023 at XXXX. They never responded even with being given the 10 day response time window I again responded via certified mail dated XX/XX/2023 verifying that I did respond I a timely manner and did not receive any response therefore the matter must be closed due to their default. They received that document via CERTIFIED mail. Again XXXX XXXX XXXX XXXX. never responded. On XX/XX/2023 XXXX XXXX XXXX XXXX. illegally and falsely filed a Civil Action for Foreclosure proceedings. They never sent responded or even acknowledged any of the documentation sent, and they never sent out any proof as they said they would if my response was sent in a timely manner. This illegal action has caused major hardship and has disrupted my family. It has destroyed my credit and made if impossible for me to function.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent numerous letters to all XXXX credit reporting agencies about reporting XXXX repo 's on my credit report from XXXX XXXX and XXXX XXXX i did not give them any written consent to report these. As law 15 usc 1681a2 states.
Product: Credit reporting or other personal consumer reports

Company or Organization : XXXXXXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$7600.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$300.00} Other Identity Theft Company or Organization : the company Fraudulent Online Shopping or Payment Account Company or Organization : XXXX XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$19000.00}
Product: Credit reporting or other personal consumer reports

I request the prompt removal of these unapproved inquiries from my credit report, as they are adversely affecting my eligibility for loans and access to credit. Furthermore, I would appreciate any documentation or confirmation once this issue has been addressed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For approx 11months I've had numerous errors on my TransUnion report and the credit bureau refuse to remove errors per FCRA.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

My FEEL Consolidation loan was just moved from XXXX XXXX to Navient. Navient does the same thing that XXXX does, which is mis-apply apyments., In fact, over the last 15 years, not ONE payment has been applied towards principal. When my loan was switched from XXXX to Navient, my payment went up by {$200.00} and they STILL are not applying any money towards principal. At this rate, I will pay {$400000.00} for a loan which started as {$78000.00}. XXXX ballooned my principal balance for no reason, and now Navient has increased my payments. Both of these companies owe me money and need to lower my principal to what it should be. I also want to be able to eventually pay this loan off! My principal balance is now {$150000.00}! It goes up, not down! I am current with my payments. I always have been. 
I have also asked several times for a complete history of documentation and neither XXXX nor Navient is able to supply me with an accurate accounting of my loan or the original paperwork. Therefore, this loan should be forgiven. 
I can not barely afford to pay the {$1100.00} per month they want, and I certainly can not afford to keep paying this loan in perpetuity. 
Why should this loan servicer be entitled to {$300000.00} from me for the rest of my life?? They are preventing me from buying a home because of this bad debt on my credit. They are preventing me from getting ahead in life and I want answers NOW. I want their justification for raising my payment and for not producing documents. If mortgage companies must have original documents, then so should student loan companies.
Product: Debt collection

I understand that errors can occur, but these mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. The other bureaus have already honored my request to remove the late dates and negative status of this account. However, your bureau is the only one that has not updated my payment history. I request that the late payment markings be updated to reflect my accurate payment history. I have identified the following errors in my credit report : DISCOVER BANK XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit card

I was charged a late fee plus interest on my Kohls Capital One credit card. The Kohls Capital One customer service claimed my bank had rejected the charge. The date of the original charge was on XX/XX/year> which was setup to pay the full amount. On XX/XX/year> unknown to me the payment was denied by my bank. Kohls then charged me a late fee plus interest. The crux of the issue was from Kohls not updating the new bank account information I supplied to them online on or before XX/XX/year>. I authorized payment in good faith expecting the new banking account was fully updated and in service. Numerous other billers I set up the new account number at the same time as Kohl 's, had absolutely no issues receiving payments from my bank. I have over an XXXX credit rating and have been a loyal Kohl 's credit card customer for XXXX years. Kohls can attest to that as well. I contacted Kohls Capital One to find out what had happened as I was stunned this payment didn't go through as approved by me. The Capital One customer service rep said the bank account information wasn't updated. Therefore, I was at fault and the payment was late. That would have been on the Kohl 's system which caused the error. Kohls transitioned at this very time to Capital One. Not sure how Kohl 's actually failed to update my banking information. However, I did update the banking account information in early XXXX and my bill wasn't charged to my bank until XXXX. Kohl 's Capital One employees refused to forward my complaint higher and were so poorly trained I was placed on hold over 5 times and spent XXXX minutes on the phone trying to resolve this issue. They had no idea on how to resolve the issue. I was ultimately blamed for the error. Why is a poorly trained and unenthusiastic person made to be the final judge on my complaint? They were helpless and unsympathetic. I believe with the transition over to Capital One, Kohl 's customer service no longer took initiative to update their records before the switch over causing my updated banking info to be overlooked. All I asked was to have the late fee and interest charge be removed. The interest charge was removed but they claimed there was no way the late fee could be removed. I have already paid the bill minus the late fee in full. Incidentally, I haven't changed my banking account information since originally updating in early XXXX and surprise! the current payment went through without a glitch. My new Capital One card is shredded.
Product: Credit card or prepaid card

I XXXX XXXX entered into a consumer credit transaction with Capital One Bank USA NA on XX/XX/2014. I used my credit card as defined under 15 usc 1602 ( L ) and there was a finance charge involved as defined under15 usc 1605. Capital One Bank USA NA then took my credit and got a loan and began to violate 15 usc 1692e because they falsely represent the status of a debt. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding two XXXX XXXX XXXXXXXX XXXX accounts reported inaccurately on my credit file. These inaccuracies have been verified on multiple credit bureau reports, despite my previous attempts to address them directly with XXXX and the credit bureaus. The accounts in question are : Account # XXXX : ** Reported as a revolving account with a {$5000.00} credit limit and a high balance of {$5300.00}. 
XXXX incorrectly reports late payments for XX/XX/XXXX, which is inconsistent with my payment records. This derogatory mark is erroneous and should reflect 'Paid as Agreed ' or 'Never Late ' as I have not missed any payments. 
Additional issues with this account include inconsistencies in the Date of Last Activity ( XXXX ) and Date Reported ( XXXX ) fields, which deviate from XXXX XXXX standards, leading to conflicting reporting across bureaus. 
Creditor Remarks : Experian and XXXX inaccurately list remarks about 30-day delinquency, which further harms my credit standing without documented justification. 

Account # XXXX : ** Reported as a revolving account with a {$2000.00} credit limit and a high balance of {$2100.00}. 
XXXX claims that this account had a 30-day late payment for XX/XX/XXXX, an error that should be updated to reflect 'Paid as Agreed ' and 'Never Late. ' This incorrect data point is detrimental to my credit profile, as it suggests delinquency when none occurred.

Like the previous account, the Date of Last Activity ( XXXX ) and Date Reported ( XXXX ) fields are inconsistent and deviate from required standards, causing inaccuracies across credit bureaus. 
Creditor Remarks on Experian inaccurately reflect a 30-day past due status without evidence or supporting documentation, further violating FCRA and Metro 2 guidelines. 

XXXX has provided no verifiable proof or documentation to support these derogatory remarks or discrepancies. Given that these accounts have already been marked as 'Closed ' and have a {$0.00} balance, there is no basis for reporting these as delinquent or charged-off accounts. Legal precedents, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, stress the need for accurate reporting and verified evidence for derogatory claims.
Product: Credit reporting or other personal consumer reports

Received an alert from XXXX  stating that Wells Fargo had accessed my credit report. 
I did not submit an application and suspected identify theft. I called Wells Fargo and they stated there was no account with my social or an application submitted. I thanked the person. A week later I got a letter stating the reasons for a credit denial. Once again I called the number on the letter and was once again told there was no inquiry my or account opened. I now have this inquiry in my account and fear an account was opened. I would like this inquiry removed and a letter sent stating I dont have an account. I know Wells Fargo has previously been sued for opening accounts in their clients names.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my transunion report. It shows XXXX  and it says its open and closed. Plus last account activity date has been wrongfully changed and from what i was reading isnt supposed to be done. Probably same way on XXXX
Product: Checking or savings account

I paid XXXX XXXX {$370.00} via XXXX on XX/XX/24 for a XXXX XXXX console and accessories. XXXX XXXX never shipped the items, relisted the items for sale, and refused to refund me my money. 

On XX/XX/24 XXXX refused to refund me or reverse the transaction. 

On XX/XX/24 Chase Bank refused to dispute the charge saying it's my fault for being scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX AND XXXX ARE IN VIOLATION WITH 15 U.S. CODE 1681b, 1693 ( a ) 2, 1681 ( b ) ( a ) 2. PRIVATE PERSONAL SECURIITY ACCOUNT INFORMATION IS BEING/HAS BEEN SOLD/TRADED WITHOUT AUTHORIZATION AND REPORTED FOR PROFIT AS PER INQUIRY TRESPASSING AGAINST THE ESTATE CAUSING COMMERCIAL INJURY UNCONSTITIONALLY ENCUMBERING INTERSTATECOMMERCE THROUGH ORGANIZED CRIMINAL ACTIVITY FOR PROFIT. 
THIS HAS BEEN SINCE XXXX, THE INQUIRIES AND INACCURATE ACCOUNTS UNCONSTITUTIONAL VIOLATION HINDERING THE ABILITY TO EXECUTE REMEDY PROVISIONS SET FORTH THEEIN 18 U.S. CODE 245 FEDERALLY PROTECTED ACTIVITIES AS PER CREDIT APPROVAVABILTY DUE TO THE INVALID ACCOUNTS AND DAMAING INQUIRIES THAT SERVE NO PURPOSE OTHER THA DAMAGE CREDIBILITY. 
SECURITIES COMMODITIES EXCHANGE CIVIL AND CRIMINAL R.I.C.O. 
XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX. I DECLARE THAT THE SOCIAL SECURITY CARD IS A CREDIT CARD AS IN ACCORD AND SATIFACTION WITH 12 CFR 160.3. THE BUREAU HAS SENT ACCOUNT BEEN VERIFIED, BUT WILL NOT PROVIDE PROOF OF WET INK SIGNATURE 15 US CODE 7001