23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was employed by XXXX XXXX XXXX, a business located in XXXX XXXX, Oh. XX/XX/XXXX their collections department, XXXX XXXX XXXX, reported a delinquent balance to my XXXX Credit Report. Supposedly, when I resigned the system they use, XXXX, put my account into collections and it looked like I owed XXXX XXXX a balance. I called the owner of XXXX XXXX and asked how I owed a balance. He stated that I don't. He emailed XXXX XXXX and told them to delete my account. XX/XX/XXXX XXXX XXXX XXXX deleted my account from their system but stated they can't call XXXX to remove it from my credit report because they no longer have my account. XX/XX/XXXX I opened a dispute with XXXX. The next day XX/XX/XXXX XXXX stated they reached out to XXXX XXXX XXXX. I called XXXX XXXX and they stated it's a process and will take 30 days. I don't have 30 days. I was in the process of purchasing a house. I need this collection account deleted from my report now.
Product: Payday loan, title loan, or personal loan

I have come to understand that this company is not licenesed to make loans in the state of North Carolina. I am also under the impression that the interest rate that I am being charged is illegal under North Carolina usury laws. I wish to repay this company for what was borrowed, plus a reasonable rate of interest but not beyond that. I have been paying {$110.00} a month since XX/XX/XXXX on a {$300.00} loan. I would consider this paid in full plus reasonable interest. Thanks.
Product: Credit reporting or other personal consumer reports

I'm writing to complaint to KEY 2 RECOVERY INC about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report number related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. This is a legitimate inquiry of information and declaring.
Product: Credit card

I purchased a dress online from Macy's.com on XX/XX/XXXX for {$340.00}. It did n't fit my sister so it was returned and credit was recorded on XX/XX/XXXX for {$320.00}. When I got my statement ending XX/XX/XXXX it showed that I had late fees of {$27.00} and interest charges of {$3.00}. I called customer service on or about XX/XX/XXXX to resolve the issue and the agent indicated that the late fee and interest charges would be reversed and she would waive the {$20.00} discrepancy for my troubles. Had something to do with a glitch in the system for no minimum payment posting. Fast forward to XX/XX/XXXX and I received a letter from Macy 's Collections Department ( dated XX/XX/XXXX ) that {$50.00} would be withdrawn from my bank account on XX/XX/2016. In fact, {$33.00} was withdrawn from my bank account on XX/XX/2016. So, I called Macy 's again to work on the issue. Some how they had reversed the interest charges and an arbitrary portion of the late charges ( {$14.00} ) and failed to reverse the {$20.00} discrepancy. After speaking with many customer service agents, I believe I have gotten this issue resolved however the explanation of the {$33.00} charge to my bank account was because I am on autopay, which is true! I am on autopay. Therefore, none of the late fees or interest charges should have posted since the {$20.00} discrepancy from the month before should have been on autopay, as well! The point of this complaint is somehow in less then 60 days I have gone into collections for a dress I had for less than 2 weeks. It feels like I 'm being harassed. Now, my account has been adjusted and shows a credit balance of {$33.00}, but the additional late fee adjustment of {$13.00} has been back dated to XX/XX/XXXX. So if you look at my account now, the most Macy 's should have taken from my bank account is {$20.00}. Luckily, I do n't carry balances on credit cards but if i did, I do n't think I would have been able to figure this out and this practice likely affects many other consumers.
Product: Consumer Loan

After my accident, my gap insurance paid off my Ally auto loan. About three months afterwards Ally called me saying I owed in the ball park of {$250.00}. With no hesitation to pay, the representative said he could put it on a 6 month payment plan, what he failed to mention is it was already late. No documentation of me owing them till a month after that phone call. However I made a payment the day of the phone call through their app which went from a {$0.00} balance to that amount. To pay it off earlier then 6 months I made XXXX deposits {$50.00} the day of and {$100.00} the following day. The next month I paid the remaining balance. Now, XXXX rolls around and my Loan Agent calls me, declared that I had to late payment markings on my credit report. XXXX for XXXX and XXXX for XXXX. I called ALLY, they wanted {$29.00} " late payment charge '' for an account that was paid off on XXXX in full. I called them being transferred department to department, manager to manager with no resolution. Their case that I repeatedly got is I did n't pay my car payment on time. My assumption is the original payment schedule was never changed and the agreement with their representative that was made never got processed. Which brings me back to square XXXX, GAP insurance pays the remainder of the bill. Yet I still owed? In resolution because of all of this I now have to bad markings on my credit report for an account that i was always XXXX car payments ahead on. with no resolution in sight and {$60.00} in late fees that should have never be occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX we opened aa Credit Account with XXXX XXXX to shop on XXXX XXXX XXXX. We ordered some appliances which were delivered very late. 
XXXX XXXX never sent us an actual card, never sent us any paper statements. The only way to find out were, when and how much do you need to pay is to find their phone number online. On XX/XX/XXXX, I was notified by my credit monitoring service that a negative report for late payment was reported to my account. Per records I the payment was late back in XX/XX/XXXX. I called the creditor and they told that my payment in XXXX was late. I told them the Creditor have being charging my account automatically. In XXXX the creditor charged my bank account automatically twice for XXXX $ each transaction, even when the minimum payment was XXXX XXXX Specifically, on XX/XX/XXXX and XX/XX/XXXX ( please see the statement attached from XX/XX/XXXX ) Then another charge of XXXX $ was processed on XX/XX/XXXX. 
In XXXX I checked my account I noticed that the creditor processed a refund dated XX/XX/XXXX I called the Creeditor and I was notified that their system charged my account twice so they issued a refund in form of a paper check. They asked for another card information, which I gave them and they have being processed payment automatically ever since from the same bank account. Me as a consumer I did everything that had to be done for my balance to be paid, when the creditor deliberately charges my account then issues refunds, stops charging my bank account and never notifies me of any payment issues and makes incorrect credit reporting 5 months after. The Creditor incorrectly reported a 30 days late payment for the month of XXXX which was never late. I filled a dispute with All XXXX credit reporting agencies twice already and Creditor still refuses to correct their mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I'm sending this complaint without any help from any Credit Repair Companies. My request for the correction and removal of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : RESIDENT VERIFY Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX SERVICE Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit card or prepaid card

For the last few years I have had a credit card for the XXXX XXXX  retail store, administered by Comenity Bank. Unlike all of my other credit cards, Comenity did not offer an autopay feature on this card that would allow me to schedule to pay the full balance on the due date every month. This is how I schedule all of my recurring payments, from my mortgage to my credit cards to utilities. I asked Comenity why they did not offer this service and they could not provide a satisfactory answer. This should not be a difficult feature for a large financial services company to administer, and my understanding is that they offer the service on other retail cards that they service. 

While it may not be illegal, failing to offer autopay is in my opinion to make it more difficult for consumers to pay their account on time. It is not a consumer-friendly practice. As a result, I paid my account balance of {$68.00} XXXX XXXX late on XX/XX/2021 was assessed a {$35.00} late fee and a {$1.00} finance charge. So essentially I was charged 51 % of what was the underlying account balance. 

I closed the card account after that because I felt that I would continue to be charged late fees in the absence of an autopay feature. I moved to dispute the late fees, but the account has continued to accrue late fees on top of the original late in every subsequent month, despite the fact that the account is closed and the underlying retail balance of the card has been paid off. While the cardmember agreement seems to permit this, I do not think it this practice is ethical or decent as my account is accruing late fees that are not attributable to funds that were actually borrowed from Comenity. They are just stacking late fees on top of late fees, and these fees continue to accrure even as I dispute the charges. On XXXX I submitted a {$36.00} payment to cover the original late fee and finance charge because I acknowledged that my paayment was late, albeit by only XXXX days. I asked them to close out the account and cancel any subsequent fees, but they refused. 

My understanding is that very recently Comenity has finally started to offer an autopay feature on this account. But this came only after years of refusing to offer the feature and inquiries on my part as to why it was not offered. It's my contention that XXXX XXXX and Comenity collectively decided not to offer autopay for many years as a way of increasing revenue in the form of late fees and finance charges to the detriment of consumers like me who no intention of carrying an account balance. Again, this may be permissible under their cardmember agreement, but I think that their collective actions constitute predatory lending practices and there should be regulations in place that require lenders that administer revolving credit to offer an autopay feature to borrowers
Product: Credit reporting or other personal consumer reports

Hello, I have tried several times to deal with the customer service reps to no end. 

My credit report is being affected by wrongly reported lates. Account XXXX is being reported late in XXXX, XXXX and XXXX. XXXX ( which is paid off ) is being reported late for XXXX, XXXX and XXXX of XXXX ( in which a XXXX payment was made on the XXXX ). but I am not being credited with a {$200.00} and a payment that was retried and successful from my account on XX/XX/XXXX. It is only showing reversed in your records on XX/XX/XXXX so technically the payment was made on time. 

Also, in XXXX being reported late but I made a XXXX payment on account XXXX and XXXX on XX/XX/XXXX. Also on XX/XX/XXXX and XX/XX/XXXX payments of XXXX were made and successful. on account XXXX on XX/XX/XXXX a payment was made and successful for XXXX and XXXX on the XXXX. So the late in XXXX and the late in XXXX are incorrect as I am also not having the XXXX payment on XX/XX/XXXX reflected as paid. I need to have these lates removed from my reports as they are incorrect and payments that were retried were not recredited to my accounts. I do believe there were more retries that we done and never credited to my accounts as well or put on the wrong accounts. I have been a long-standing client and would like to continue to be but these errors are affecting my credit rating and I was not late as payments are not being credited correctly. I see many complaints on here of the same issues from other people. SO this is a trend with this company. I am attaching all my bank payments to genesis here. Not all have been credited to my accounts and were marked reversed when they were not. I never had any lates before on my two XXXX card accounts.
Product: Checking or savings account

This is chase bank. On the first one someone going to chase branches get my counter check on the counter, I dont know how they can do it!! Bank change me XXXX dollars in XXXX XX/XX/XXXX, and then this person writes to check XXXX XXXXXXXX write XXXX XXXX dollars on the check on XXXX after that on XXXX XX/XX/XXXX this person writes XXXX XXXX check for me and then return to his account, I didnt get it and then bank charge me XXXX XXXX back to his account. I didnt deposit this check! I dont know how he can do that. I call so many time to chase customer service, they always say wait for 2 more day but I keeping wait for almost 1 month still nobody helping me to complete this issue, go chase branch 2-3 time still not Still didn't solve this problem. I hope u guys can help me to resolve this issue pls. Thank u
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was closed XX/XX/2017 with a {$0.00} balance, but is reporting a balance of {$350.00} which is INCORRECT.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) I have made. It is the result of identity theft. 

I have contacted Experian many times dealing with identity theft information on my credit I sent the FTC report, Police Report, identity theft items, and Personal documents. and they broke the FCRA law, by not including my documents in my disputes in doing the dispute process. these accounts is damaging my good name. I will be filing a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Credit Card for Reported : XX/XX/2018 - {$14000.00} is not mine
Product: Mortgage

Greetings, As of today, starting roughly around XXXX, I began a series of several phone calls to " Fifth Third Bank '' ( FTB ). Previously I received a letter from them that my current mortgage had been transferred to FTB. I therefore, wished to open an account profile online in order to AUTOPAY our mortgage as we have always done. To this moment, XXXXXXXX XXXX, I am now on my 6th phone call to set up my account. Each phone call has approximately a half hour wait time. My wife called on her phone as well, whereas, both of us were calling to get some kind of support. During one of the conversations, an XXXX, Name : XXXX XXXX : was asked for her NMLS ID : of which she responded, WHY..and gave me quickly a " FAKE '' number ( XXXX ), after being stern and requesting it again, knowing that the numbers were incorrect, I asked again. She finally gave me the correct number. But refused to give it in a manner that was understandable. I was able to find her on the consumer website none the less, for your review. This response, in addition to all the endless call transfers that go nowhere are unacceptable for honest consumers who are doing and making a diligent effort to pay a bill. Each call only inched me closer by a small margin. By the time I gained access to my account via a more helpful and resourceful agent, the access granted had no timed out. I had to start all over again. I finally, and stern bound, was able to speak with a supervisor above his subordinate ( XXXX XXXX who stated that I could not be HELPED, and he was able to reset my web access. I entered the information as agreed, and finally was moved to yet another step. However, now, I was greeted with an error. And once again I have to start all over again. After 4 hours of wasted time. This is a short version of the whole story.

No consumer, should be guided through a 4 hour " frustration tactic '' which could cost them a negative impact on the consumers credit report, risk repossession, legal charges and so on. No consumer should be lied and given a phoney NMLS number when asked. No consumer should be rushed off the phone when asked for an NMLS number. This company has numerous complaints in addition to the XXXX XXXX XXXX complaints of similar nature. As of this moment I will filing complaints with all the federal and state agencies who will be involved. I will not risk my credit being damaged, nor any other consumer who may have their rights violated. 

Please feel free to call me ASAP regarding this issue of formal complaint. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

OnXX/XX/XXXX there was a transaction labeled XXXX XXXX XXXX for {$5200.00} that was debited from a card I closed ending in XXXX, and the company sent me a new card. Stated the funds from old card were to be transferred. Received new card and couldnt transfer funds as funds were no longer there and a transaction labeled XXXX XXXX XXXX onXX/XX/XXXX with the funds that were in account. I called company and everyone acted oblivious as to where my funds were or would keep saying they would give me updates and nothing.
Product: Checking or savings account

BBVA has had website technical issues for 5 days now. I am a Simple customer who needed to transfer to BBVA since Simple closed down. I activated my account with BBVA, I tried to log in after doing so and the website says that my login was unsuccessful. I tried to reset my password ( even tho I know my credentials are correct ) and the website then says there was an error. I can not view my balance, transfer money, deposit a check or anything because I can not get into my account. I tried calling the BBVAS customer service and the call just keeps getting disconnected randomly. I tried calling a local branch but bc I am a Simple customer, they are not able to transfer any money for me like I need them to.
Product: Money transfer, virtual currency, or money service

I placed an order to a seller in XXXX and used PayPal to send money. There was an issue with product and seller agreed to refund. It's been 3 months and no refund was given after endless excuses. I ask PayPal for help and open a case. PayPal claims I open too many cases ( 6 in 4 years after hundreds of purchases ) and not only denies my case, it shuts down my account and prevents me from using it. Seller finally tells me he wants to refund but must use original method but can't because PayPal shut me down. I complain to PayPal but says decision is final.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Notice of Dispute Inaccurate Information on Credit Report Credit Report Numbers : Experian : # XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I have identified the following errors that require investigation and correction : Inaccurate Information : 1. Creditor Name : XXXX XXXX o Account Number : XXXX o Inaccuracy : Reporting inaccurate account details. 
XXXX. Creditor Name : XXXX XXXX XXXX  o Account Number : XXXX o Inaccuracy : Reporting inaccurate account details. 

Supporting Documentation : I have enclosed copies of the following documents to support my dispute : Copies of my credit reports from Experian.

Request for Investigation : Under the FCRA, you are required to investigate and correct any inaccuracies
within 30 days of receiving this notice. Please : 1. Investigate the disputed items. 2. Correct or delete any inaccurate, incomplete, or unverifiable information. 3. Provide me with a written resp
onse detailing the results of your investigation.

4. Send an updated copy of my credit report reflecting the changes.

If you determine that the disputed information is inaccurate, you must also notify the furnisher of the information ( e.g., the creditor ) to ensure their records are updated. 

Additional Information : Full Name : XXXXXXXX XXXX XXXXXXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : * -- XXXX Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Please confirm receipt of this dispute and keep me informed of the investigations progress. If you fail to respond within the required timeframe, I reserve the right to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your prompt attention to this matter. 

Sincerely, BY : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX WITHOUT RECOURSE Enclosures : Copies of my credit reports from Experian.
Product: Debt collection

I open an account with XXXX XXXX of XXXX. I received XXXX devices in which I traded in XXXX devices and was not supposed to be charged for the devices due to the trade in. My bill was supposed to be XXXX. The first bill that I received was over XXXX dollars, the second bill was over XXXX and the third was over XXXX. Each bill I reached out to the phone number of the representative that I purchase the phone from XXXX and was told that it takes XXXX billing cycles for the credits to be applied to the account. After the third billing cycle still no changes I attempted to reach out and did not receive a response. I sent multiple messages asking for clarification. I finally called into XXXX customer service to discuss the crediting on the account. I explained to them that I had sent all XXXX devices in XXXX box because i only received XXXX return label and that I had to send them in a XXXX XXXX. I gave all of the information that I had at the time. I was told that the devices were received but they did not know where to apply the credits. Then the representative told me that they could not apply credits for all devices because they were not sent in separate boxes. I then went into the XXXX store locally and asked what could I do and they told me that customer services makes the final decision. I contacted them back and asked if they could send my device back to me and I will take their devices into the local store to be sent back to them. I was told no and was sent a bill to collection XX/XX/XXXX. I am still asking for my devices to be returned and I will return their devices.