23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from AFNI Collections telling me I had a debt of {$750.00} that I owed to XXXX XXXX XXXX. They said I could settle the debt by paying {$490.00}. I have XXXX relationship with XXXXXXXX XXXX XXXX nor have I ever. This request for money is bogus!
Product: Payday loan, title loan, or personal loan

Simply attempting to payoff my HELOC account - Santander failed to post the payment I sent - {$12000.00} and double charged interest which is highlighted in the XXXX statement which I included. They acknowledged posting an incorrect payoff amount by sending me a check for {$5.00} - but how is that legal or an accepted practice? 
Secondarily - total credit balance should be {$88.00} after the {$1400.00} payment at the end of XXXX- see below : Balance after the {$1400.00} payment was made : {$12000.00} XXXX - interest due for the statement period as summarized on the statement XXXX - satisfaction fee {$12000.00} - should be total due There were two payments sent : {$170.00} - pulled automatically - but additional interest was taken out of this payment not captured in the summary {$12000.00} - balance payoff sent- though not applied as such - can provide documentation if necessary {$13000.00} - total payments sent The difference between balance due and payments sent should be a credit of {$88.00}. 

The bank has already said they closed the account and my concern once. I've asked them to review again - based on above. 

This is simple math that a citizen shouldn't be fighting with a bank over.
Product: Checking or savings account

The BBVA Compass bill pay service failed to deliver a payment by a scheduled date of XX/XX/XXXX resulting in late fees with my apartment complex. OnXX/XX/XXXX, I submitted a scheduled payment into the BBVA Compass bill pay system for delivery by XX/XX/XXXX, before the daily cutoff time for processing on the next business day. For some unknown reason the BBVA bill pay system did not process the payment on the next available business day, which was XX/XX/XXXX. The payment instead processed on XX/XX/XXXX, and due to this delay in processing the payment was not delivered by the scheduled date of XX/XX/XXXX. The payment was finally delivered on XX/XX/XXXX, which resulted in a {$35.00} late fee being assessed to my account, ( {$25.00} for XX/XX/XXXX and {$10.00} for XX/XX/XXXX ). 

I then contacted BBVA Compass Digital Services support to let them know about the missed due date and to request a refund of the late fee. I was asked to provide XXXX XXXX, a manager with the company, documentation from my apartment manager detailing the issue. In the document my apartment manager clearly described the late fee, why I was charged the late fee, what my rent due date is and the grace period for the balance to be paid by. Rent due date is the XXXX of each month with a 3-day grace period, and late fees begin accruing on the XXXX. 

However, after reviewing the information, XXXX XXXX stated the BBVA Compass bill pay delivery guarantee is based on the actual due date of the bill and does not take grace periods into consideration. I find this statement misleading and confusing. First, how would BBVA Compass know what the actual bill due date is without the customer first telling them what it is? Second, there is nothing in the BBVA Compass bill pay system that lets you specify the actual due date for a bill payment as you can only set a scheduled due date for delivery. Anyway, she went on to state I was at fault because the payment was scheduled too late for it to arrive on time, and BBVA Compass will not refund the {$35.00} late fee to my account. 

My position in this matter is that the BBVA Compass bill pay system failed to process my payment in a timely manner and failed to deliver my rent payment by the scheduled date of XX/XX/XXXX, regardless of the XX/XX/XXXX due date set by my apartment complex.
Product: Credit card or prepaid card

I applied for a SallieMae credit card offer through an e-mail solicitation ( XX/XX/2021 ) promising a {$200.00} cash reward after spending {$1000.00} in the first three months. Upon approval, they had switched the reward to a 2.5 % bonus in a thoroughly confusing approval screen. I had to wait four months and after not receiving the {$200.00} cash reward I spent endless phone calls an e-mails with their reps to no avail. They only kept repeating I had accepted the 2.5 % bonus when I had an e-mail saying NOTHING about a 2.5 % bonus bit it DID offer the {$200.00} cash back. They refused to even look at the e-mail. And, BTW, they are NOT EVEN paying out the bonus at 2.5 % -- it's only been paid at 1.25 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX- Collection account. {$250.00} past due This is inaccurate, no contract exists ... settled with original creditor, and I want this grave error removed, because it is wrong and against F.C.R.A. law No proof or verification has been forwarded to me, and I did request this, and the law states that I am entitled to it, but you don't have it, so I didn't expect to receive it ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act the following information has violated my rights. 

All of the account information that needs to be deleted/Corrected is listed below! 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose ALL OF THE INFORMATION BELOW NEED TO BE DELETED/ Updated to on time payments ; Especially these derogatory late payments I am filing a complaint I need all of this information DELETED! 


PERSONAL STATEMENTS : DELETE THIS TOO! 
XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX Total balance : {$680.00} XXXX XXXXXXXX XXXX Original creditor XXXX Acct # XXXX Balance {$680.00} Balance updated XX/XX/XXXX XXXX Late payment accounts Total balance : {$81000.00} Student loans Total balance : {$81000.00} DEPT OF ED/XXXX LATE PAYMENT Acct # XXXX Balance {$2400.00} Balance updated Original bal {$2200.00} XX/XX/XXXX DEPT OF EDXXXX LATE PAYMENT Acct # XXXX Balance {$3300.00} Balance updated Original bal {$3000.00} XX/XX/XXXX DEPT OF ED/XXXX LATE PAYMENT Acct # XXXX Balance {$67000.00} Balance updated Original bal {$49000.00} XX/XX/XXXX DEPT OF EDXXXX LATE PAYMENT Acct # XXXX Balance {$2800.00} Balance updated XX/XX/XXXX DEPT OF EDXXXX LATE PAYMENT Acct # XXXX Balance {$3700.00} Balance updated XX/XX/XXXX DEPT OF EDXXXX  Balance Acct # XXXX {$1500.00} Balance updated XX/XX/XXXX U S DEPT OF EDXXXX POTENTIALLY NEGATIVE Acct # XXXX Balance {$830.00} Balance updated XX/XX/XXXX 2022
Product: Debt collection

XX/XX/scrub>XXXX  {$590.00} The company reached out to collect payment, we settled at {$300.00} which was paid and I was also told they won't be able to provide a deletion letter because they don't do those but to rest assure that after 45 days the account would be off my credit. It's been a year and account is still on my credit. I call and they can't seem to assist because higher ups can not be reached and they will have to give me a call back. I have not received any call back
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled my account with Portfolio Recovery and it was supposed to be removed from my credit reports per my request and agreement when I made my settlement payment but on all of my credit bureaus it is sill showing a {$0.00} balance and has not been removed. 

XXXX XXXX account should not be in collections. The school was not supposed to send due to making payments to XXXX University as agreed upon with the student financial services department.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/NELN XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX DEPT OF EDUCATION/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 XXXXXXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX
Product: Payday loan

This number XXXX ext XXXX Integrated Services say that I got a payday loan. They keep calling my work after i told them that it was n't. They said that I was going to jail he keeps calling me at work. I asked him for his mailing address and he would not give it to me. I am going to lose my job because they call every day.
Product: Debt collection

XXXX XXXX  sued me to collect on debts I owed it for three accounts : two credit cards and a personal loan. They made a settlement offer, which I accepted. In exact accordance with their settlement terms, I paid the settlement amount in full on or about XX/XX/year>. Since then, I have repeatedly requested acknowledgement of this payment of full. They have ignored my repeated requests. 

In the meantime, I am expected to appear in court in XXXX XXXX XXXX on XX/XX/XXXX. Without proof that I have paid off this settlement, I will be greatly harmed if the Court enters a judgment against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent items on my report still showing up when they were previously deleted.
Product: Mortgage

We had entered into a repayment plan after XXXX. The state helped us with the first mortgage and advised us to ask for a forbearance, modification for the 2nd. Franklin/Bosco said all they could offer is a repayment plan doubling our payment to over XXXX down with a down payment of over XXXX. We were not given any other option so agreed. We tried as long as we could to maintain but soon fell behind as now we had two basically pay two payments a month. I asked for a revision as I was laid off no response. Then we get a foreclosur letter. I reached out to our first lender who said they were never notified. I called Franklin initially he said that they cant keep changing our plans when our financial situation changes but the reality they never offered a feasible solution like our other bank just to double up on payments to over XXXX a month.After a lengthy conversation the rep placed me on hold said I could resubmit a loss mitigation plan but that would not halt the foreclosure? Weve consulted with attorneys and local tv stations as they have had many complaints. Were only asking for fair accommodations as we dont want to have to file Bankruptcy being that were over XXXX I feel as if there is age discrimination here too. We just want help a realistic payment plan not one which sets us up for failure. Weve also reached out to Biden Administration and Bosco- please help. Were grateful and never intended for this to happen but with deaths, illnesses, natural disasters, loss of jobs, XXXX XXXX XXXX and age discrimination we have gone through it over the years.
Product: Credit reporting or other personal consumer reports

I reported that my address was reporting incorrectly a long with other information and in less than 24 hours a decision was made that the address would stay on my report. I gave them documents that proved my address was wrong but they still updated it to be correct. I am a victim of fraud and identity theft I have been trying to get the inaccurate information removed from my report for years at this point, I have had no success working with the credit bureau. I would like my report to reflect the accurate information ONLY.

Incomplete, inaccurate information or unverifiable must be removed in 30 days PER 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies.

Incomplete and inaccurate information
Product: Vehicle loan or lease

XX/XX/XXXX I went to XXXX Kia and purchased a XXXX Kia XXXX. 

I am the original creditor pursuant 15b USC 1602 ( g ), on the day in question I extended credit to the dealership, making me the originator.

The existing device used for credit in this transaction to secure money/loan was my social security card, ACCORDING to 15 USC 1602 ( l ) the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

I the consumer was asked to make a down payment to secure the loan/line of credit, the amount I was asked for was {$2000.00}. The documentary evidence will show that there is a finance charge attached to the loan. Pursuant 15 USC 1605 Determination of finance charge, " the finance charge is the sum of all charges ; the finance charge does not include charges of a type payable in a comparable cash transaction. '' Because I used my social security card which is a credit card, defined by federal law. This transaction is deemed a credit transaction by federal consumer law and I didn't need cash ( {$2000.00} down payment ) to secure this transaction. 

The term " credit '' means the right granted by the creditor to a debtor to defer payment of debt or to incur debt and defer its payment, pursuant 15 USC 1602 ( f ). The definition clearly states credit is my right, so to be told I needed cash in a credit transaction was false and misleading to me the consumer. 

I demand the money be returned to me immediately.
Product: Checking or savings account

I had a little over {$4000.00} from back taxes in XXXX that chime confirmed I had it on the account but chime refused to let me get another card and change my address because I didn't have my old cell phone number from 4 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$360.00} )XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$230.00} ), XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1400.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit card

1.last payment : {$580.00} XXXX XXXX limit on card is : {$700.00} 2. card puton hold for " suspected fraud '' : XXXX XX/XX/XXXX 3. was not any fraud - they wanted me to FAX copy of ID card 4. locked out of online account on XXXX XX/XX/XXXX 5. charges : {$500.00} XXXX 6. late fee assessed : {$35.00} XXXX 7. milestone rep stated that " I owe '' : {$510.00} XXXX 8. called to change address on XXXX XXXX XXXXXXXX 9. how is this math even possible?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I open a small balance Credit Card with XXXX XXXX XXXX, after a short time I notified the issuer via a phone call that my balance per rhe statement was I correct. Nothing was done, I then sent them a letter in XXXX disputing the account is accordance with Truth in Lending and Fair Debt Reporting and Collections. I told them that while the account was in dispute no reporting to 5he three National CRAs should be done, that was not adhered too. In XXXX I paid the balance in full. I recently pulled my credit report and saw that XXXX XXXX recently reported the account and they have it listed Charged off and sold to another lender. I was never made aware that the account had been sold. I disputed the reporting, via a letter to XXXX XXXX, a. ) That the no longer owned the account and should not be reporting on it and b. ) That they were reporting on the account while it was in dispute a violation of FDR. I sent the correspondents to their Compliance officer, and they are still reporting the account on my CBR. This has caused damage to my stellar credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bunch of inquiries on my credit report that I do not recognize therefore I never gave permission for the inqury. I have contacted all but its still reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  ( Finance ) XX/XX/2020 XXXX XXXX XXXX FINANCE ( Finance ) XX/XX/2020 XXXX  XXXX XXXX  FINANCE ( Finance ) XX/XX/2020 XXXX  ( Finance ) XX/XX/2020 XXXX XXXX XXXX ( Finance ) XX/XX/2020 XXXX  XXXX XXXX ( Bank ) XX/XX/2020 XXXX XXXX XXXX ( XXXX ) XX/XX/2020 XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/202XXXX XXXX XXXX XXXX FINANCE ( Finance ) XX/XX/2020 XXXX XXXX XXXX  FINANCE ( Finance ) XX/XX/2020 XXXX XXXX XXXX  ( Auto ) XX/XX/2020 XXXX XXXX XXXX ( Finance ) XX/XX/2020 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2020 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2020 XXXX XXXX XXXX ( Finance ) XX/XX/20XXXX XXXX XXXX ( Finance ) XX/XX/202XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2020 XXXX XXXX XXXX ( XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX ( Bank XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/2020 XXXX XXXX XXXX ( Auto ) XX/XX/2020 XXXX XXXX XXXX  ( Auto ) XX/XX/2020 XXXX XXXX XXXX ( Auto ) XX/XX/2020 XXXX XXXX XXXX ( Finance ) XX/XX/2020 XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/2020 2020
Product: Credit card or prepaid card

On XXXX XXXX I notified my serve prepaid account holder due to noticing that even though I am a direct depositor as stated on the website XXXX XXXX XXXX XXXX and have been a cardholder since XX/XX/2017 and always had over {$500.00} deposited to my account monthly. I notified them due to going back and realizing that they were charging me a monthly fee totaling {$140.00} even though during every statement period I had over {$500.00} consistently deposited into my account. The above website clearly states to sign up for an account and if you deposit {$500.00} in a statement period there would be no monthly fees. I spoke to a supervisor that had no clue and told me to call back but now am only getting disconnected so want to file this complaint about action and my money. Thank you
Product: Debt collection

On XX/XX/XXXX I injured my knee. I sought medical attention right away and was informed that I fully XXXX  my XXXX, partially XXXX  my XXXX, had XXXX XXXX XXXX  XXXX, and XXXX both my XXXX. Once I had a XXXX  date set up I called Citizens Bank, with whom I have 2 credit cards with, that I was told after XXXX  I would not be cleared to for about 8-10 weeks. They told me I had two options. First being do nothing and pay my weekly minimum, or they can put me in what they call an hardship program. I asked if there were any other options, they told me there was not. So seeing no truly helpful options, I picked the hardship program because it would at least lower my interest rate and minimum payment ; both were lowered slightly and actually made both accounts inactive, so I still owed but couldnt use the cards even though I still would have to pay interests. They also told me I should try to work from home or borrow money. 

In XX/XX/XXXX I received 1 phone call from them asking why I made a partial payment and not the full, I explained that because I didnt have the full amount. They said they can take the full payment now, I told them I dont have it. They offered to arrange to make the payment, I told them that when I have the money to make the payment I will. They told me that not paying will cause my interest rates to go up, that I will owe a late fee, and my credit score will be effectives. I informed them that that doesnt sound like the program I signed up for. They doubled down, as did I. They eventually said I was correct. The difference owes was about {$40.00}. 

On XX/XX/XXXX, I made a payment on one of the cards. I did not make a payment on the other. They called me from the phone number ( XXXX ) XXXX at XXXX and received the voicemail at XXXX and left a voicemail asking me to call back or to call ( XXXX ) XXXX. They also sent me any email about it as well after that same day at XXXX. 

Then today ( XX/XX/XXXX ) they called me twice, leaving a voicemail after the second call. Both calls came from ( XXXX ) XXXX. The times they called were XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding Experian, XXXX, & XXXX, specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud. Experian is legally required to complete this action within four business days of receiving this complaint. 
*Fraudulent Accounts to be Removed : * XXXX XXXX XXXX account number XXXXXXXX XXXX XXXXXXXX XXXX account number XXXX. 
The accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report. These entries are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiatemy claim, I have enclosed documentation of my FTC Identity Theft Complaints ( XXXX ), which serves as compelling evidence that these accounts, inquiries, and collections are the result of identity theft and fraud. The negligence of XXXX in safeguarding consumer data has enabled identity thieves to exploit my personal information. I expect immediate action to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of thesteps being taken to remove the fraudulent information. Failure to comply with this legal obligation will compel me to take further action, including escalation to the CFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer. Thank you for your attention to thisurgent matter. Sincerely, XXXX XXXX