23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Resurgent Capital Services, has been harassing me by way of extortion by attempting to collect on an {$1300.00} extension of credit I provided XXXX  XXXX BANK. Since XX/XX/XXXX, every other day until present day ( XX/XX/XXXX ). 
Ive received over 20 unauthorized emails with offensive obscene & profane language. Each email claiming I owe an alleged debt for extending credit to another business. These false claims that I am in debt are obscene and is causing mental and emotional distress and injuries. In addition, I never gave Resurgent Capital Services direct consent to contact me and attempt to extort me of an alleged debt of {$1300.00}, pursuant to 15 USC 1692 ( c ). My reputation is being attacked and my character by the repetitive profane language used against me.
Product: Checking or savings account

I have two unauthorized charges that were charged to my account i did filed police report and did submitted many times every single XXXX time each representative says they didn't get where fax report confirmation it was delivered I have faxed 12 times. 
There were two charges in the amount of {$870.00}, {$870.00} in XXXX one in XXXXXXXX one in XXXX. I need justice in regards to it. Account number : XXXX
Product: Debt collection

Here is a summary of the situation and the additional information : 1. Submitted initial disputes to American Express concerning unauthorized activities on my account. 
2. Engaged in multiple follow-up correspondences with American Express XXXX emphasizing my request for rectification. 
3. Instead of offering a resolution, American Express has reported inaccurate information to credit bureaus, adversely affecting my credit profile. 
4. I also want to bring to your attention that Attorney XXXX XXXX provided American Express with the necessary information required on XX/XX/2023 via certified mail with tracking number : XXXX This submission should have provided American Express with the essential information needed to expedite the investigation and resolve the disputes promptly.
Product: Debt collection

Comenity Capital Bank has purchased XXXX Accounts. I was approached by Commenity Bank to pay a balance of {$140.00}. My XXXX  account was closed and last purchase was in 2020. I called XXXX to ask why Commenity Bank was calling me for a payment and XXXX has no answer since account was sold to Commenity. Commenity Bank tells me that I have a balance and they dont know what it is because XXXX has not details. I spent months disputing the balance and now Commenity Bank closed the account as non payment and my credit score dropped XXXX points! They have ruined my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance Corp is appearing on my credit report even though they are past the statute of limitations. I hired a credit repair organization called XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX has already disputed this item which is past the statute of limitations, and the 3 bureaus are still incorrectly reporting this loan. XXXX  shows the account is in collections. XXXX  and XXXX  are both showing 120+ days late. The bureaus are also unwilling to remove this item. The last date i challenged this item is on XX/XX/XXXX. 

The date credit acceptance opened is XX/XX/XXXX. The drop off date is XX/XX/XXXX. The account number is XXXX. The balance is {$9300.00}. Please help!
Product: Debt collection

Dear WAYPOINT RESOURCE GROUP ; XXXX XXXX ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Checking or savings account

XX/XX/XXXX I tried to withdraw XXXX from my savings account from a XXXX atm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX my bank got these documents from the merchant saying I benefited from the transaction but when I called XXXXXXXX XXXX  and talked to XXXX XXXX ( XXXX ) XXXX she said the transaction was reversed so on XX/XX/XXXX my bank issued a pos for XXXX dollars but then they took it back XX/XX/XXXX because they said XXXX reversed the amount but I never received anything from XXXX or my bank its been almost 3 months and I havent received my money they did deposit it as a credit but then they took it right back so I never received it from either my bank or XXXXXXXX XXXX the only real proof is the video footage from that atm but my bank refuse to ask for the footage because theyre just going with what the merchant said without any real proof Im hoping you guys will get the video footage to prove I didnt receive my funds or the documents from XXXX saying that the transaction was reversed so I will receive my funds because I never actually got them and my bank said they can no longer help me get my money back so Ive filed a complaint two months ago and I still havent gotten my money so Im really hoping you guys can somehow get the evidence or the money Ive never received
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on PORTFOLIO RECOV XXXX Original creditor : XXXX XXXX XXXX  Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

My accounts with these companies were 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 ( MONTHS REPORTING LATE ) 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.

These companies 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 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.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. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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

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 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 a 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. 16815-2 ( 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: Credit reporting, credit repair services, or other personal consumer reports

I closed my account with Barclays Uber Credit Card in good standing and 0 balance. i maintained that account, always paying in time for over 3 years. They changed the benefits of the card so i called to close and verify cards and account 0 balance and closed. 

Date was closed XX/XX/XXXX. I verified 0 Balance on XX/XX/XXXX via phone call.They verified account was closed and 0 balance and revoked my online access and cards. 

Starting in XXXX, Barclays began reporting late payments in XXXX because they allowed charges of approx {$50.00} on XX/XX/XXXX on this closed accounts. 

I was first notified of this bill in XXXX when i saw my credit score drop from XXXX XXXX XXXX!! On XX/XX/XXXX i called barclays and was told they were sorry and would clear it up. End of XXXX i received a letter only telling me to call them! Now i call today and they say the same thing. They will take care of it but in the meantime i am applying for mortgage and my credit rating is XXXX XXXX lower because of their false claim. And, as of today all i have is promise that they will fix but they did this already and nothing happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / XXXX XXXX XXXX continuously report inaccurate information to the credit bureaus for a credit card that I am joint owner on. I have disputed this account with all three credit bureaus, and while two of the three bureaus deleted the account from my report, Transunion continue to report this inaccurate information. I disputed this account twice with Transunion, and they failed to do their due diligence to ensure the legitimacy of the information reported. They reported back that the information is accurate as report, but that is NOT true! 

According to Transunion and XXXX, 60 % of the payments were 30-59 days past due with the first past due payment being reported in XX/XX/XXXX. The account was opened in XX/XX/XXXX. The card was charged in XX/XX/XXXX. The first bill was due in XX/XX/XXXX. Someone please explain to me how the account could be 30-59 days past due on the first bill? 

Below is a payment history the life of the card ( bank statements verification available upon request ) : XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$230.00} XX/XX/XXXX : {$230.00} XX/XX/XXXX : {$440.00} XX/XX/XXXX : {$240.00} XX/XX/XXXX : {$300.00} XX/XX/XXXX : {$200.00} XX/XX/XXXX : {$500.00} XX/XX/XXXX : {$200.00} As you can see, regular monthly payments have been made since this account was opened ; however, Transunion shows the account was 30-59 days delinquent in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Likewise, as of today, XX/XX/XXXX, Transunion shows the account is currently 30 days past due. Needless to say, that is inaccurate! 

The joint owner on the card called XXXX repeatedly for failure to apply payments to the account. When this first came to my attention the account was reporting to the credit bureaus as being over 90 days delinquent. After calling the company, it was discovered they were not applying the payments correctly, although the funds were being drafted from our bank account. 

Both Transunion and XXXX  are providing false information that is having a negative impact to my credit score. I have tried to resolve this with both XXXX and Transunion but have not gotten anywhere with either company. The joint owner on this account was successful with getting the account updated with Transunion ; however, they refuse to update mine. This is unacceptable!
Product: Money transfer, virtual currency, or money service

My son was contacted about a computer he was selling and was convinced to install XXXX on his High school checking account that is attached to my chase bank account. The person said that he needed to send him XXXX to receive the payment. After he did this the person blocked him in messaging, I attempted to contact the phone number the individual had listed and a female claimed to not know what XXXX even was. I contacted XXXX in which they said there was nothing they could do, contacted Chase Bank Fraud dept who closed the case and claimed it was not a form of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # XXXX This account is closed but it is still showing a XXXX, XXXX and XXXX on my XXXX and XXXX reports. 

XXXX XXXX XXXXXXXX Account # XXXX This account is closed but is still showing a 30 day late on my XXXX, Transunion and XXXX reports. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX alerted me that I have several inquiries on my credit report. Unauthorized inquiries. I never gave any consent to XXXX nor these companies below to open any accounts without my authorization. XXXX 1. American Express 2. XXXX 3. XXXX XXXX 4. XXXX XXXX
Product: Credit card or prepaid card

In XXXX of XXXX  I made a balance transfer from Barclays XXXX XXXX Credit Card to my husband 's XXXX Credit Card in the amount of {$8000.00}. This transfer was processed and paid by XXXX Credit Card and it was cashed and cleared by Barclay 's on XX/XX/2019. 
I checked my Barclays account in XX/XX/2019 only to find that the {$8000.00} had never been credited. I called both Barclays and XXXX Credit Card. XXXX told me that the check had been cashed. Barclays told me to wait 10 more days and call back. 
Since that time I have been on the phone and in Live chats with Barclays for hours upon hours as the months have passed. They have continued to request information from me and XXXX Credit Card, all of which has been provided on 4 separate occasions to the fax and the address that they supplied ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ). When I call to see if they have received the information they tell me they aren't able to give me any information because a different department deals with the investigation. They then tell me I have to wait 30-45 days. After 30 days is up they close the 'investigation ' and state that they never received the information. I am then forced to open a new investigation. 
Now when I call they tell me that things are slow and they are understaffed because of COVID-19. I have spent 2 and a half hours on hold on two separate occasions. 
At this point I have spent six months trying to get the {$8000.00} off of my account. They received my money, deposited the money on XX/XX/2019, yet they have no idea where the money was placed. I have repeatedly asked them to freeze my account until they figure out where they misplaced my money. Currently they are sending me emails telling me that my payment is overdue. They have charged me interest and late fees on the {$8000.00}. 
At this point my frustration level is very high, as I have spent countless hours on the phone with them, only to get the same answer. XXXX Credit Card has continued to send the information they have asked for, and I have begun to fax the information they have asked for as well. XXXX has faxed and mailed the information now 4 times- they have record of faxing it- and I have now faxed it over to them twice- I also have record of faxing it to them.
Product: Money transfer, virtual currency, or money service

Money was stolen off XXXX  and Cash app Support failed to reimburse me for what I lost...
Product: Credit card

On XX/XX/year>, I opened a dispute with this bank regarding a charge for {$110.00} at XXXX XXXX XXXX XXXX XXXX. The bank sent a letter asking for additional information but stated it was optional if I only have such additional information. On XX/XX/year>, I received a letter stating that the bank had reversed the dispute against me because I hadn't responded to the letter. The letter was stated as optional so this submission shouldn't have affected the outcome of the investigation if I had no further information. The bank is deliberately being deceptive and not honoring my rights under the Consumer Credit Protection Act by conducting a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Debt collection

Received medical bill for XXXX XXXX, full amount of {$190.00} was paid from my XXXX account on XX/XX/2020. The bill was turned into collection agency on XX/XX/2020. I have disputed this with credit bureau, and contacted the debt collection agency to advise them this bill was paid, but the original business submitted an amount different that what was owed. The debt collection agency says there is an additional amount owed of {$110.00} (? ) no sure exactly of amount - but there should not be any additional amount because the bill was paid prior to submission to collection.