23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I contacted TD Retail Card Services ( TD Yardcard ) on XX/XX/XXXX. I discovered that were charging me monthly fees on the account. This account is an interest free account, deferred, if paid by the final due date. I began the account payment by paying the first installment in full by its due date in XX/XX/XXXX. Then XXXX setup bi-weekly payments immediately so that I would get ahead of schedule to pay off the account before the final due date and thus insure no interest charges. TD accepted each bi-weekly payment but did not credit the account as a payment, instead began applying the payment to the principal. The amount due each month was {$170.00} and I was paying bi-weekly of {$100.00}. So in some months they received {$200.00} and in a few months {$300.00}. They have continued to accrue fees on my account saying I am not paying the amount due on time. I am perplexed and they refuse to correct this and apply the payments correctly. At this time I am over paid what is actually due to them and they are still charging me fees. They offered to rescind and credit one monthly fee but to me that is not acceptable. They say I have been late paying but that is not correct and I am actually overpaid. I want them to refund me all the months they charged a fee. They are charging {$40.00} each month now and it makes no sense. They just need to correct the application of the payment and I can prove that they have received more than the monthly due amount each and every month prior to the due date. They need to do the right thing here and they are refusing. 
Please help me out as I am a great paying customer who was paying ahead of schedule.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report to find a late payment for my auto loan with Credit Acceptance. I called an spoke with one of there employee and informed them I have never been late on a payment. She stated you have been late and will not removed the negative mark off my credit. I also file a complaint with the credit bureau.
Product: Checking or savings account

Multiple times navy federal has allowed my card to be charged over the limit instead of declining and then immediately followed with an overdraft fee much larger than the initial charge and tried to trap me in negative to continue taking more money.
Product: Credit reporting or other personal consumer reports

Sent in disputes in the past for an account reporting on my consumer report that is showing late payments in the payment history. The account is inaccurate because I have never missed a payment for this account. ( SELF ACCOUNT ) THIS ACCOUNT SHOULD BE UPDATED TO PAID AS AGREED, NEVER LATE, PAID ON TIME IN THE PAYMENT HISTORY.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email Address ( optional ) Phone Number ( optional ) XX/XX/XXXX Credit Bureau XXXX Credit Bureau XXXX XXXX, XXXX, ZIP Code Dear Sir or Madam, I am writing to formally dispute an item on my credit report that I believe is inaccurate. I have reviewed my credit report and identified an error, and I would like to request a correction under the Fair Credit Reporting Act ( FCRA ). 

Disputed Account XXXX : Account XXXX : Ic system inc / XXXX XXXX and associates/ receivable management XX/XX/XXXX XX/XX/XXXX. XXXX all ] The item I am disputing is [ describe the specific error for example, a late payment that is inaccurate, an account that doesnt belong to you, or any incorrect information ]. I have attached supporting documentation, including [ mention any documents you are providing as evidence, such as a copy of your statement, receipts, or correspondence from the creditor ]. 

I request that the following action be taken : Correct the inaccurate information Remove the account if it is not Please investigate this matter and notify me of the outcome in writing. I understand you are required to complete your investigation within XXXX  days. If you need any further information or documentation from me to assist with the investigation, feel free to contact me. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copyof my Clarity Service consumer credit report sent to me via mail.
Product: Mortgage

On XX/XX/XXXXmy mom XXXX XXXX and left me her home that I was brought up in and the loan was in her name with XXXX XXXX bank I called XXXX XXXX bank to inform them of my mom 's XXXX  they told me I needed to do a loan modification to put loan into my name and have the home deed placed in my name which i did and was approved. I did 4 payments XX/XX/XXXX, XX/XX/XXXX/ XX/XX/XXXX. & XX/XX/XXXX. after that I rec 'd letter stating that my bank sold mortgage to Wells Fargo effective XX/XX/XXXX I made regular payments til about XX/XX/XXXX then I had Tenant issues from the home that I orginally had. I let Wells Fargo aware of my situation then my tenant husband passed away so I needed to evict her due to she could not afford rent that took about 2 months and then finally rec 'd a tenant. I found myself behind in 4 months so I tried to catch up. Then in XX/XX/XXXX/ XX/XX/XXXX Wells Farge asked me if I would like to apply for a repayment option I said yes, 2 months later I rec 'd call from an XXXX XXXX stating my payment plan would not be excepted gave me no amount just told me to start asking relatives for the money owed. I explained I have no living relatives. 
I explained to Wells Fargo t I will do my best to try to double up the payments. I have been making payments until last Month. As of XX/XX/XXXX I was going to pay them double payment they stated I could not make any payments that on XX/XX/XXXX my home has gone into foreclosure, I was devasted I rec 'd no letter, no phone calls, and no e- mails so needless to say I was blown out of the water. I asked why non of these options to contact me were done they stated they do not leave messages nor e- mails but every month I get a reminder when mortgage due. I called to complain to wells fargo and they just appologise. Now the amount owed on XX/XX/XXXX first was {XXXX}, XXXX as of today ; s date XX/XX/XXXX I now owe over {$70000.00} and they will not take a 4 month payment now they want it all in full I am trying desperately to work with them but they are refusing to give any help or assistance. I NEED HELP PLEASE. I don't want to loose my home.
Product: Checking or savings account

I have been having issue with my bank accounts. ( XXXX XXXX XXXX yrs - I moved my account to Citibank ) My auto pays dropped to medical insurance and association s. Then reappeared the following month after writing large checks to creditors ( association and medical ) its been happing in my XX/XX/XXXX credit cards ( 21 yrs a customer- as well as XX/XX/XXXX) I have reported the thefts to all creditors and they are not doing anything about these frauds and theft of my funds. 
Im XXXX and need assistance to stop this harassment of my civil rights as privacy rights. 

I believe the damages are over 10. 000 which makes this bank robbery. 
I went down to Citibank and I hav XXXX missing from my account. As well as fraudulent charges on my credit cards. I have someone going on like and fraudulently changing my us mail address - ) in whichXX/XX/XXXXtoday claimed to not be getting any statements back. ( I dont receive account statements ) I also was dismissed after 4 yrs  of reporting this fraud. And asked to attempted the same steps over over. I am not seeing my any changes in credit cards that are suppose to be frozen and unable to use. The companies are allowing these transactions anyway. I have filed police reports because these companies are claiming to not have documented my complaint s - XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation into potential fraudulent activities on my credit report. After reviewing my credit report, I noticed some inquiries that I do not recognize and believe to be fraudulent. 

See below : -- TransUnion -- XXXX XXXX XX/XX/XXXX -- XXXX -- XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent out papers to the 2 credit bureaus ( XXXX XXXX Equifax ) telling them that there was wrong information reporting in my credit report and asking can they send me proof of the inquirys .It has been more than 30 days and I still havent received anything from them at all. So I sent out even more letters this XX/XX/2021 and still received no answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, over 6 months I have provide a notarized affidavit, police report, and letter telling the creditors that this account does belong. No picture ID or no signature can associate me with this account. They have not provide any investigative results ; they closed the account on my credit report, but still reporting late payments 30 ; 60 ; 90 ; 150 days on my credit report as if it is still active. I am in the process in suing for defamation of character, but I wanted to show the courts that I had exhausted and documented all my actions to resolve this fraud account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian contacted " XXXX XXXXt '' ( company name ) for a XXXX XXXX  cable bill and they don't own the bill anymore. XXXX  is the one that has the debt. I have paid the debt with XXXX ( attached ) but Experian during the dispute dropped my credit rating 17  points ( is that personal? ) but more importantly " XXXX XXXX '' no longer owns the debt. and XXXX is not reporting this to my credit. Lastly the dispute has been settled. but Experian has the request locked so I cant even add the new information or contact them by phone. it says both settled in in dispute for a week now, see attached. PS all 3 reporting XXXX, XXXX XXXX and Experian all falsely have " XXXX XXXX '' as the owner of this debt. so I cant see to get through to any of them on this. and XXXX XXXX  wont help as they don't own it anymore : (
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name # XXXX, # XXXX XXXX XXXXXXXX, has violated my rights 1 5U S C 1681 section 602 A States I have to privacy 15 U S C 1681 section 604 A Section 2 it also States a consumer reporting agency can not furnished a account without my written instructions.

15 U S C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any 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 15 U.S.C 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to consumer to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

1 week into contact they began chain calling 3-7 times a day. I called to discuss the issue and was yelled at by XXXX representatives before getting a supervisor who was at least kind. He admitted what they were doing is illegal, I have the entire encounter on recording ( which is legal in my state ).
Product: Consumer Loan

I contacted Mercedes Benz Financial Services to alert them that they are erroneously reporting derogatory credit lines on my CBR. I spoke to a XXXX XXXX who had me fax my credit report to her and she said she could send me a letter today ; they admitted that they have made a mistake, but then she told me I would have to wait 30 days per her Supervisor, XXXX XXXX to get it removed? It is not my loan and I advised it was causing adverse action. I asked for her supervisor, XXXX XXXX, who refused to get on the phone. I asked for an escalation to an Operation Manger and was told that none were available. I asked for an Executive Office of Relations or Complaints department to correspond to and was told there is no contact or email address that can be provided. The agent acknowledged receipt of my credit file and admitted that I was not their Customer, so I do not see how they can report this and then treat me like I am their delinquent Customer. I have never had a loan with them or Lease. I am more concerned with the crass, condescending attitude and belittling comments XXXX XXXX made and at one point actually laughed in my face ( she later said that was a Co-Worker laughing at me ). Yes, I 'm upset ; I 'm irate. They may cause me to lose my home- Please help me. This new agent who clearly did not even know the Leadership of her company, as I looked it up said I can only speak to her and she will call me back in a week? That does not seem fair or right. I would please like you to check their documented process of internal complaints and make sure this agent acted in accordance with the documented policy and procedure, as I feel I was not treated fairly and due to the disparate treatment, I now will have adverse action and this will cause a hindrance in a personal life goal of buying a home - all for a loan that DOES NOT BELONG TO ME! PLEASE help me. All I requested was a letter on company letterhead admitting what she verbally told me, that the account did not belong to me. Thank you, XXXX XXXX XXXX
Product: Debt collection

XX/XX/year> I received correspondence from Comenity Capital Bank which indicates my credit card account has a balance of {$0.00} and that they would be updating this information with the credit bureaus. 

XX/XX/year> I got a letter in the mail from XXXX XXXX XXXX XXXX XXXX titled PRE-LEGAL NOTIFICATION where they are harassing me with an attorney and intent to sue. Their correspondence says theres a balance from Comenity Capital Bank for {$5100.00}. EVIDENCE # 1 OF FRAUD ; the debt doesnt exist. 

The back of this letter also says The sole owner of this debt is XXXX XXXX XXXX XXXX XXXX. I am not listed as the owner of the debt. Under 11 USC 101 ( definition 8 ) consumer debt is incurred by an individual primarily for personal, family or household purpose. The credit card account I previously had with Comenity Capital Bank was a consumer credit card account. How can XXXX XXXX XXXX XXXX be an owner of a consumer credit card debt if they can not be a consumer? EVIDENCE # XXXX OF FRAUD ; if there is a debt that exists, it would be between the companies COMENITY CAPITAL BANK and XXXX XXXX XXXX XXXX XXXX. 

Ive never contracted with XXXX XXXX XXXX XXXX XXXX Ive never signed anything indicating I owe this company anything. If the debt was purchased that wouldve been between Comenity Capital Bank and XXXX XXXX XXXX XXXX XXXX and not me. EVIDENCE OF FRAUD # 3 ; when asked for validation they can not provide proof. 

I also understand that within my contract with Comenity Capital Bank there was an arbitration clause that stated any legal process for this account would be handled in arbitration and not the court of law. EVIDENCE OF FRAUD # 4 ; if a debt did exist and if they could sue me it could not be in the court of law. The only contract Ive signed stated this clearly. More evidence XXXX XXXX XXXX XXXX XXXX is committing fraud through the U.S. mail system which is grounds for mail fraud. EVIDENCE OF FRAUD # 5. 

I believe XXXX XXXX XXXX XXXX XXXX is fraudulently collecting on a debt that is not mine ( see evidence # s 1-4 ). I believe they are committing debt collection fraud and mail fraud. I believe this company is using abusive tactics which violates the Fair Debt Collection Practices Act to collect on a debt that is neither mine nor exists. 

Under FDCPA, I am seeking {$1000.00} in damages plus {$9000.00} in emotional and mental damages caused by the false, deceptive and misleading practice as well as the abusive language and hate speech I have unwarrantedly received from this letter produced by this company XXXX XXXX XXXX XXXX XXXX. 

All evidence of recent communication referenced above is attached. Supporting information on FDCPA and CFPBs recommendations/notes are also attached. Supporting USCs attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I leased a vehicle. My monthly payment is {$320.00} which is due by the XXXX the month. From XX/XX/XXXX through XX/XX/XXXX I made all my payments electronically and on time. In XX/XX/XXXX a lease refund check in the amount of my monthly payment was mailed to me. ( {$320.00} ). I tried calling the finance company for an explanation but to no avail. In XX/XX/XXXX another lease refund check was mailed for the same amount. Again I called for an explanation. No response. On XX/XX/XXXX someone called me to say that my lease payments were past due. I asked about the refund checks and was told that the account number to which the payments were sent could not be verified, even though all seven payments were sent to the same account number and five payments were accepted. I was given an account number to send all future payments, and was told that if the refund checks were sent back by XX/XX/XXXX, payments would not be considered late, and all late fees would be cancelled. I forwarded both checks to them by XX/XX/XXXX, but on XX/XX/XXXX my account was reported to the credit bureau as PAST DUE, and the late payment fees were never cancelled, as they continue to appear on my monthly statement.
Product: Debt collection

I called National Credit Systems on XX/XX/2021 to discuss a collection account on my credit for XXXX XXXX. After speaking with XXXX ( a Supervisor ), he stated he was not going to budge on the account and that he was working on behalf of the apartment complex. He stated he had no decision capability and that it was up to XXXX XXXX. So I called XXXX XXXX  and spoke with XXXX on XX/XX/2021, the property manager, and she stated that there is no record of me, or of an outstanding balance. In the attached letter, you will see the property complex was sold, and along with any outstanding debts would have been included. Therefore, the collection account that is reported by National Credit Systems needs to be removed and all collection activity needs to cease as the letter from XXXX XXXX  states I have no outstanding balance.
Product: Credit card or prepaid card

My payment was due on XXXX XXXX, i made my payment on that date, and it was n't processed until the XXXX. i called and they are telling me they are central time and they cut off is XXXX cst. i am in Arizona so i am MST time zone. i was n't aware of any cutoff but the rep stated they cut off payment at XXXX XXXX CT. however, their web page is XXXX XXXX CT. i had asked to speak to a supervisor about this and was told I can get a call back within 48 hours. the issue is one i paid my bill on the due date. 2 their times are inconsistent. now i got a late fee for {$38.00}.
Product: Credit reporting or other personal consumer reports

I am writing for the FINAL time about this right here because the law does not even require me to be trying to arbitrate with ANY of these credit bureaus! 

EXPERIAN is violating the law and me as a consumer! 
EXPERIAN is ILLEGALLY reporting my personal and private information! I want it deleted from my report immediately. 

Literally why are these companies still able to incorrectly report after millions of dollars in lawsuits and after years of me complaining to the CFPB as well????? 

I SHOULD BE TAKING THIS XXXX STRAIGHT TO FEDERAL COURT!! 

A reporting agency may NOT report transaction history including amounts and dates. 

And, according to the IRS publications charge offs are reported as INCOME and MY INCOME SHOULD NOT BE REPORTED ON MY CREDIT REPORT. 15 U.S. Code 1681a.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the reporting of bankruptcy information on my credit report. According to my credit report from the credit reporting agencies, it appears that bankruptcy information has been reported by your agency. However, I would like to bring to your attention that bankruptcy courts do not report directly to the consumer reporting agencies, and it is a violation of the Fair Credit Reporting Act ( FCRA ) for such information to be included in my credit report. 

I would like to emphasize the following points : Bankruptcy Court Reporting : Bankruptcy courts do not provide information directly to consumer reporting agencies. The reporting of bankruptcy information is the responsibility of the creditors and collection agencies involved in the bankruptcy proceedings, and it is their duty to accurately report this information to the credit bureaus. 

Pursuant to 15 USC 1681c ( a ) Bankruptcy information is excluded from the consumer 's report. 
( XXXX, XXXX, Experian, XXXX and XXXX ) is in violation of said section for furnishing this information on my consumer report, that was obtained illegally from XXXX XXXX under false pretenses in which they've obtained it from an online electronic system known as XXXX.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim or the Equifax data breach.I want these items Deleted from my credit reports effective immediately.I am attaching proof that Equifax has admitted that I was in fact a victim or this data breach and Equifax has done nothing.Please help me delete these illegal accounts from my credit reports. 
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
Product: Money transfer, virtual currency, or money service

On XXXX XXXX a fraudulent wire transfer was sent from my checking account to XXXX XXXX in Florida ( a telephone scam ). 
For three weeks I was told by Citibank that if the money was not returned by XXXX a claim would be filed by Citibank under consumer protection rights for a fraudulent wire transfer. 
On XXXX XXXX I was told the complete opposite. 
I had signed an affidavit on XX/XX/2021 attesting to a fraudulent wire transfer. 
On the XXXX Citibank informed me because I allowed banking information to be given to the scammers there was no consumer protection right involved. 
I did not realize I was being scammed, when I did I contacted Citibank immediately and went to the police precinct ( all immediately after I hung up on the scammer ). 
I was misled by Citibank and even though I contacted them immediately there was no attempt to contact the other bank for at least 2 weeks.