23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I continue to get late fees on both my cards with them that are almost or more than my minimum making it impossible to pay the balances down. I dont get paid until the XXXX and they will not give any grade period or change my due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed an envelope containing a completed FTC Identity theft report, letter stating I am victim of identity theft also outlining the incorrect information, copy of social security number and copy of driver 's license. I sent these letters to XXXX, Equifax and XXXX through certified mail. Tracking # XXXX XXXX XXXX XXXX XXXX for XXXX. XXXX XXXX XXXX XXXX XXXX for Equifax. Tracking # XXXX XXXX XXXX XXXX XXXX. They were delivered XX/XX/2021. The incorrect item on my credit report is a late payment by XXXX XXXX and a fraudulent account from XXXX XXXX. The date is XX/XX/2021 and the fraudulent item is still on my account and the late payment has not been correct. Per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. The account should have been blocked no later then 4 business days from XX/XX/2021.
Product: Credit card or prepaid card

On XX/XX/2020 I purchased a set ( 2 ) nightstands from XXXX / XXXX company. 
The price for each nightstand was {$140.00} making the cost for the set {$310.00}. My Costco VISA card charged me {$310.00} twice and keep claiming that the merchant is refusing to issue a credit for the duplicate charge of {$310.00}. I have emails from the company saying they have only charged once but VISA refuses to listen and tell me that they have closed the dispute against my favor. That means that they are pocketing my {$310.00} because the merchant has been paid only once by the credit card.

One day I called VISA 6 times and each time they hung up on me by claiming they could not hear what I was saying. 

Costco VISA has a history of duplicate charges on my account and I am getting sick and tired of their high handedness. I want to close this card but can not do it until this is resolved or they will report to the consumer reporting agencies. 

Thank you for any help you can provide! 
XXXX XXXX
Product: Credit card or prepaid card

I opened an Alaska XXXX XXXX XXXX XXXX Bank of America ( BoA ). I had the card for several months and made a number of purchases ( over {$3000.00} ) and paid the card in full. In fact, I overpaid the card by {$190.00}. BoA then notified me that there was fraud detected on my account and that I needed to report in person to a BoA lobby with identification to prove I was who I claimed to be. I told them that I would not be going in person since the nearest Bank of America XXXX is XXXX miles from my home. BoA said I had to go in person and I decided to close the BoA account for this horrible customer service. I was prepared to send them any documentation needed to verify my identity, yet, they insist I go in person. 

Now, I called to asked that BoA return my overpayment/credit balance of {$190.00}. They still insist that I need to go in person to prove my identity ( XXXX miles ) before they pay me back my overpayment. I have tried to resolve this and the BoA fraud department is blaming their customer service for the hold on my funds and BoA customer service is blaming the fraud department. I want my overpayment back and I am glad to send proof of my identity and/or get on a video call if they want that. I just want my overpayment back plus reasonable interest for holding my money without cause.
Product: Vehicle loan or lease

To my knowledge, I was never late on my GM Financial auto lease with account number XXXX. But I realized that I was reported as being past due multiple times which is not true. I have had this lease since XX/XX/2015 with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date.
Product: Student loan

Dear CFPB : I am an XXXX XXXX veteran who is attempting to purchase a home and I am unable to do so because AES/NCT has an inaccurately reported XXXX accounts to the creditor bureaus containing an inaccurate " charge-off '' date. This is killing my credit score and I can not get it changed despite contacting the bureaus and the creditor. 

Could you please contact AES/NCT and ask them to correct the inaccurate " Charge-off '' date of XXXX, XXXX on my XXXX Credit Reports. This inaccurate " Charge-off '' date is listed incorrectly on all XXXX national collegiate trust accounts. See Credit Report. 
National Collegiate Trust Accounts Charge-off date 1. Account XXXX. XXXX XXXX, XXXX 2. Account XXXX. XXXX XXXX, XXXX 3. Account XXXX. XXXX XXXX, XXXX 4. Account XXXX. XXXX XXXX, XXXX 5. Account XXXX. XXXX XXXX, XXXX All XXXX National Collegiate Trust accounts were 150 days late in XXXX, XXXX. All XXXX National Collegiate Trust accounts were 180 days late in XXXX, XXXX. 

As far as I can discern, " Charge-off '' means that a creditor bank no longer carries the student loan account receivable on the creditor 's bank books as an asset. Under federal regulations, a private student loan lender must charge-off a student loan account receivable after it has been delinquent for 180 days. See XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX. The " Charge-off '' date should be XXXX, XXXX. 

Please contact AES/NCT and ask them to correct the inaccurate " Charge-off '' date of XXXX, XXXX on my XXXX Credit Reports and change it to XXXX, XXXX. 
Thank you.
Product: Credit reporting or other personal consumer reports

When I pulled my credit report trying to get my credit back in good standing I noticed that the reporting agencies all three have many different names on my report that are not mine a couple of different addresses that are not mine and they also have phone numbers that are not mine and never were mine some of these names belong to someone else so I'm afraid that it's going to cause more problems later. There is also accounts that have been charged off on my report and I think we all know that this isn't supposed to happen this is seriously hindering my credit they have also gotten all of this bad information from somewhere and they are reporting without my consent in some situations
Product: Mortgage

XX/XX/XXXX, I obtained a mortgage through XXXX for {$250000.00}. This mortgage was subsequently sold to XXXX, which sold it to XXXX XXXX XXXX, which sold it to Green Tree Financial -- all within the space of 4 years. Some time after that, Green Tree Financial turned into Ditech Financial and sold the mortgage to itself. XX/XX/XXXX, I could no longer keep the property, notified XXXX XXXX XXXX ( which was still holding the mortgage at that time ) of this fact, after ascertaining that I could n't rent it out, nor was I permitted to get a tenant in to help financially. Before I left the house, I ensured that the rooms were freshly painted, septic tank emptied, fence painted, roof issues corrected, swamp cooler serviced, termite inspection carried out, vents cleaned, house cleaned, and landscaping maintained. My XXXX children and I moved out of state. Initially in trying to work with Green Tree, I was told I could try to sell the house through them. I took all necessary steps, did all the paperwork required and had it all vetted, only to be told at the last minute that the solution would n't work since I was an 'absentee landlord '. I found a realtor who dealt in 'short sells ', worked with him, with the knowledge of Green Tree Financial , to effect this solution. The realtor had a buyer for the property, was presenting the offer to Green Tree, then both he and I were notified that the property was being put up for Sheriff 's Sale. The Sheriff 's Sale was effected, Green Tree sold the property to itself for {$200000.00} then subsequently resold it to the new owner. Now Green Tree itself is calling itself Ditech, has written off the mortgage, hit my credit report several times, reported to the IRS that I had realized a 'so many thousands of dollars of income ' in a year, so that I incurred further attorney 's fees to fight this outright lie. None of the following : XXXX, XXXX, XXXX XXXX XXXX, Green Tree, nor Ditech have lost a single cent on these transactions, but I most definitely have lost a lot. I want them to cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
The List of accounts on my FTC Report has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) XXXX, TRANSUNION, AND XXXX USES XXXX XXXX XXXX XXXX  TO HANDLE CUSTOMERS SSN AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL. 
THIS IS WHAT CAUSES HACKING AND DATA BREACHES. 
THEY ARE A THREAT TO THE XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have checking and savings accounts with Wells Fargo Bank in New Jersey. On several occasions Wells Fargo has deleted the outside bank ( a bank other than Wells Fargo that I added as a payment source and for money transfers ) from my online account without my permission. Wells Fargo is also withholding money transfers from this same outside institution and not adding the monies to my Wells Fargo account. I believe this to be an illegal action and want to issue a complaint against Wells Fargo.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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.

( CREDITOR NAME ) 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: Consumer Loan

I 've been having several issues with SNAAC which is the company I 'm financing my vehicle through. On XXXX XXXX my vehicle got ceased because I was behind on a payment due to a tornado ripping through XXXX Georgia so I had to pay for repairs on my vehicle. Before I knew my vehicle was getting repo 'd I did schedule XXXX payments off {$400.00} and my recurring payment of {$330.00}. Later on that evening they took my vehicle and I contacted SNAAC to see what all I 'd have to do in order to get it back. They were like, you 'll get an email. Did n't receive any thing until a couple of days later. Payments were made and my account was back in good standing but still had difficulties on their customer service support side. They were all rude and unprofessional. I 'm in the XXXX and the last thing I need is to be without a vehicle. On the XXXX of XXXX I received my vehicle back paying a total of {$430.00} in towing fees and storage I guess. Today, XXXX XXXX, I get an official letter from SNAAC which is a " NOTICE OF OUR PLAN TO SELL PROPERTY '' letter with my vehicle id number and information. There 's a box checked off which states " WE WILL SELL THE VEHICLE AT A PRIVATE SALE SOMETIME AFTER 10 DAYS FROM XXXX/XXXX/2016. ASALE COULD INCLUDE A LEASE OR LICENSE. '' Not understanding why this is happening to me.
Product: Credit reporting or other personal consumer reports

Dear American Express, I have formally requested XXXX XXXX to cease all communication with me regarding the collection of the debt XXXX XXXX alleged I owe. Multiple times I have denied the charges due to fraudulent activities on the account. I have ask for a signature page with my physical signature This request is made pursuant to my rights under 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). 
Please consider this letter a formal cease and desist demand.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing issue of fraudulent, inaccurate, and misleading information on my consumer report, which persists despite my repeated efforts to resolve it. The presence of these unauthorized items has had a profound negative impact on my life, causing considerable distress and XXXX  I must emphasize that, as a victim of identity theft, I never authorized or consented to the association of this information with my name. 

Be advised that I am in the process of initiating legal proceedings regarding the fraudulent and inaccurate items currently appearing on my consumer reports. I formally demand that you take immediate action to update, delete, and block these items from my report.
Product: Credit reporting or other personal consumer reports

I DO NOT OWN THE ACCOUNTS STATING BALANCES ON MY REPORT PLEASE REMOVE. MY CREDIT SCORE IS BEING SEVERELY DAMGED AND I AM UNABLE TO GET APPROVED FOR CREDIR CARDS AND LOANS.

The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Date Opened- XXXX XXXX XXXXXX/XX/XXXX Balance- {$700.00}, XXXX XXXX Date Opened- XX/XX/XXXX Balance- {$1000.00}, XXXX XXXX Date Opened- XXXX XXXX XXXX  Balance- {$300.00}. 

The information is incorrect and does not belong to me. 

I looked at my TransUnion credit report on XX/XX/XXXXXXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) 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 shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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: Credit reporting or other personal consumer reports

I've recently mailed out a dispute letter to Equifax regarding accounts on my consumer report that isn't mine and doesn't have authorization to be reporting. They responded that these accounts were verified but never did they provide me any documents that give these accounts consent to report. I am aware that I have a right to privacy and with these accounts reporting without my permission is a violation on Equifax behalf for not actually providing verification for these accounts. I asked you to investigate them and you can't provide to me any documentation with my signature. I understand that it is your duty to assure that any information reporting to my consumer report should be accurate and verifiable in which you failed to provide to me any documents. I demand that any accounts or information listed in my dispute letter be removed from may consumer report immediately or Equifax will be held liable for any damages. How can I owe a debt if these was never a mutual agreement? Where's my authorization for these creditors to purchase my personal information and share it with anyone?

Violations committed : Violations committed by Equifax : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

All three major credit bureaus were notified via certified mail and online. certified mail ( XX/XX/XXXX ) and online ( XX/XX/XXXX ) via dispute of a collection account that was being reported that was not mine. We have spoken with the original creditor several times. The original account was never validated back in XXXX with a different collection agency and was removed from XXXX. It was then sold and added back to my credit reports and we are now disputing again. The new collection agency failed to properly validate this date per the FCRA and Texas Finance Code, the credit agency failed to properly validate this claim. XX/XX/XXXX - they refused to update this claim stating it had been verified. The most recent dispute asked them to validate and provide their method of verification as we know this account can not be verified because we spoke with the original creditor again on XX/XX/XXXX and again they have no record of me never having an account or an account being sent to collections, that I am eligible to apply for an account. The collection agency also stated they were under no obligation to provide any original documentation showing proof this account was not fraudulent and belonged to us and they would only verify to the credit bureaus.
Product: Credit card

I requested proof of charges that were made in the casino from XX/XX/year> to XX/XX/year> on XXXX XXXX out of XXXX. 
This was looked into twice supposedly by XXXX XXXX XXXX XXXX Bank of America and " resolved '' without them ever sending any proof that these charges/cash advances was taken by me or my cabin mate. 
All I've gotten for them is the total amount of money spent on the cruise and no proof of the individual charges / cash advances made in the casino totaling {$6900.00} in separate charges. 
I sent a registered letter to Bank of America claims resolution detailing the charges in question and asking for proof of the cash advances
Product: Debt collection

On XX/XX/2024 validation notice was sent to XXXX requesting information under 15 USC 1692g Sec. 809 ( b ) of the FDCPA This noticed was received on XXXX  by XXXX XXXX. 



It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account.

Any Judgments obtained by any creditor regarding this account.

Name and address of alleged creditor.

Name on file of alleged debtor.

Alleged account number.

Address on file for alleged debtor.

Amount of alleged debt.

Date this alleged debt became payable.

Date of original charge off or delinquency.

Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful I would like more information about your firm before I discuss the debt with you.

Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.

If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.

Please provide the name and address of the bonding agent for your agency in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. 

Best Regards
Product: Vehicle loan or lease

I obtained a car loan thru capital one bank for my XXXX XXXX XXXX. I have been paying my loan off I have paid off almost XXXX XXXX dollars of my car loan already and just recently my less then 5 year old  car would not run at all turns put this car has a bad ctv and there's been multiple class action lawsuits against the maker of the car and they had to pay out the owners of Nissan  for the repairs and such. I told capital one this and I asked capital one to please deduct the costs of my brand new transmission repair from the balance of my car loan as I am struggling financially due to XXXX, job loss, and then my car transmission going out on me they have refused to help me. The money I could have paid towards my car loan had to go to a brand new transmission which cost me almost XXXX XXXX dollars to fix. Now I am struggling as a single mother of two just to get by.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : 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 Equifax 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
Product: Debt collection

I'm a victim of the XXXX data breach and I reviewed a copy of my credit report and noticed a account that is the result of fraud and this data breach as I was and I still am incarcerated I was incarcerated when this account was opened and I'm currently still incarcerated please block this account immediately