23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Portfolio Recovery is attempting to collect debts that are outside of the statute to collect. They are reporting these debts on my credit report. One debt, another company ( XXXX XXXX XXXX ) took me to court to sue for the debt, the judge ruled in my favor and the debt was dismissed. I believe I just paid Portfolio Recovery {$410.00} on XX/XX/XXXX to settle this debt that was already dismissed. They purchased this debt somehow for {$830.00}. I disputed 2 other debts they have 1. they claim from XXXX for {$470.00} and another from XXXX for {$930.00}. They are claiming the 2 debts that I disputed were " charged off in XXXX ''. I don't have ANY accounts that were open in XXXX, that is the year I graduated HIGH SCHOOL. The name on my birth certificate at the time wasn't even correct for any credit accounts to even be opened. This shows they purchased debt without complete information and are trying to collect on it. They couldn't prove any of these debts are mine to begin with. I only settled the debt that I did pay with them because me and my husband are trying to buy a home and this on my credit report is hindering us being financed. They called me and told me that the disputes, for the other 2 debts they have, were ruled in their favor and I have to pay. They are also now reporting these on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my identification stolen and someone was able to take out a auto loan by credit acceptance in my name for years ago I tried to dispute it with XXXX by releasing a copy of a police report and XXXX and credit acceptance refused to take the car loan off my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX 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 card

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Vehicle loan or lease

A payment in the amount of XXXX made on XX/XX/XXXX covering the months of XX/XX/XXXX and XX/XX/XXXX will more than likely get returned. I was expecting a tax refund to cover this payment, however, it is delayed due to government shutdown. I have been making small payments via bill pay through my XXXX card in the amounts of XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX. I will make another payment on XX/XX/XXXX via bill pay, which should post by XXXX at the latest. My tax refund should be deposited about a week thereafter, however, I am not certain. Please request XXXX XXXX  to allow me more time before repossession of vehicle. I will continue to make payments via bill pay which are electronic in the mean time.
Product: Debt collection

I have contacted ERC debt collector ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX ) multiple times disputing an item on my credit. 
XXXX XXXX XXXX has verified with me that they do not have record of me having any contracts with them other than a pre-paid phone, in which would not report to my credit. Even with that confirmation XXXX. I sent ERC an email to verify proof of identity towards the debt or have it removed due to fraud XXXX as well. XX/XX/XXXX was the last time i contacted ERC for an update but they are still waiting on XXXX XXXX XXXX. I am almost reaching a month of waiting for an answer about this fraud on my credit.
Product: Credit card or prepaid card

In XXXX of XXXX I obtain and Citibank XXXX and had to submit a {$200.00} payment to secure the car. I use the card and in XXXX the company closed the account. I a balance of around {$50.00} and left approximately {$150.00} left of my original secured deposit. After much discussion I was told it would be 60 days til I received a check for the remaining desposit. 60 days came and went and called again. They said check for {$130.00} and change would be mailed on XX/XX/18 and probably received around the XXXX. That would be 100 day mark. called again today and they have charges additional {$51.00} fees on the account and the payment has not been processed. After being transferred to several people I was told no manger available and will get call back. I have been told this before with no call. This appears to be a scam to collect fees on a closed account so they do not need to reimburse me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies has n't delete collections, Unauthorize Hard inquiries and negative wordings on credit report. My credit scores are suffering because of the neglects and Retaliation of Equifax, XXXX and XXXX. I emailing a recent credit report for with new case file number to Federal Government to review as evidence. XXXX XXXX. Equifax XXXX and XXXX XXXX I am XXXX Lifetime and Retired.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau to do A verification of everything on your credit report and they did they stated that everything was accurate and I did a thorough research myself and found improper inaccuracies use on the credit report. Even after they did the research. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # 151G accordance to the fair credit reporting act conversion account is violating my rights. They are 15 U.S.C 1681 section 6028 states that 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 an account without my written constructions.
Product: Money transfer, virtual currency, or money service

I was on a site called XXXX on XX/XX/XXXX, and I was looking for the new XXXX XXXX XXXX XXXX. When I found a decent looking price ( {$530.00} ) I messaged the guy and we talked and told me to send the payment {$530.00} over Zelle. I wasnt aware at the time that Zelle doesnt even have any fraud protection, like XXXX . He lied about a shipping fee, and tracking number fee ended up sending another {$120.00}. In total {$750.00} I sent to this guy and I eventually saw this was fishy, but it was too late. Now Im fighting my bank XXXX XXXX, and trying to get a hold of Zelle. Toda, XX/XX/XXXX My bank told me they did everything they could and their request was denied. I tried calling Zelle and they refused to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Woke up this morning to a decrease of XXXX points on my Equifax. I have no recent late payments, card utilization below 10 % with over XXXX in available credit. Paid off mortgage, 100 % on time payments on my car loan and everything else. This was all for a remark/comment that was added on a card that I disputed on XXXX. I purposely didnt dispute this account through Equifax because I know theyre notorious for dropping scores just off added comments/remarks. XXXX points Equifax for a remark??? The account status did not change!!! May justice be brought upon this horrible credit system our nation have to submit by especially how it impacts XXXX XXXX XXXX XXXX JUSTICE SHALL PREVAIL!
Product: Credit card

I paid {$23000.00} all my payment statements during 2022 and 2023 years. 
The Bank of America cant answer who I was making this payments to and where is my money. 
As well as the receiver who I made the purchase with didnt get the payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information has been compromised and as a result someone had opened a fraudulent loan under my name and social. XXXX XXXX account # XXXX has been reporting inspire of my effort to dispute and have it removed as fraud with all the major credit bureaus.
Product: Bank account or service

Was charged a {$50.00} return item fee by BB & T on a loan payment that is {$100.00} per month. I did make the error as I tried to make an electronic funds transfer however I incorrectly entered my account t number. There was plenty of money in the account and I a, 3 months paid in advance. It seems ludicrous that the bank can charge a fee at almost XXXX % of the payment and get away with it.
Product: Credit reporting or other personal consumer reports

I have three accounts that doest belong to me and it states they are able to verify my social, date of birth and address. I need proof from these creditors that these account belong to me besides the three things i mention above I spoke with XXXX and this what information they provided XXXX  : open XX/XX/XXXX, XXXXXXXX XXXX XXXX  XXXX balance open : XXXX XXXX XXXX XXXX  : {$1400.00} : open XX/XX/year> Capital one : {$390.00}
Product: Credit card

Ann Taylor uses Comenity Bank for its store credit card. On the XXXX statement mailed to us there was charge of {$2.00} for a paper bill. We called to question this charge that was not previously disclosed, and the customer service agent said they would waive the charge if we switched to electronic billing, which we did. We were instructed to pay the actual balance of the purchase, which was {$18.00}. Payment of this amount was confirmed on XXXX XXXX XXXX No other purchases were made on this account since that time. 

On XX/XX/year>, a late fee for the {$2.00} was issued in the amount of {$2100.00}, the total of the {$18.00} purchase ( paid on XX/XX/XXXX and confirmed by logging into Comenity account and the {$2.00} paper statement fee. The bank then added a minimum {$2.00} minimum interest fee. In XXXX unbeknownst to us they added another {$2600.00} late fee and an additional {$2.00} minimum interest charge. They now say we owe {$54.00} for this. 

This is clearly unethical. Nothing has been purchased, our payment was not late. Please contact this bank on behalf of us and all other consumers who are faced with deceptive practices like this, which I believe Comenity bank is famous for.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer, may have given you, written, unwritten, verbal, and nonverbal Per 15 USC 6802. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have had a business checking account with Bank of America for year with no fees. 

Without notice I was charged $ XXXX. As I had never had fees before, I didn't see this fee until 4 months in. As I didn't have a a high balance, B of A stole over 25 % of my balance. B of A would only credit one month, leaving me on the hook for almost {$90.00} in junk fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have just pulled my credit report few days ago, I have noticed 4 accounts which I do not recognize. I have never the following accounts : XXXX XXXX XXXX XXXX  XXXX account number XXXX. Delinquent 2. XXXX : account number XXXX. Delinquent 3. XXXX XXXX  XXXX : no account number shown on the credit report 4. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was approved for Auto Loan and I received check from XXXX XXXX XXXX XXXX and sent to the private seller XXXX XXXX. XXXX Deposit the check with XXXX XXXX XXXX XXXX for {$25000.00} and they put the funds on hold and closed her account. They claim not being able to verify my Phone number XXXX. I called LexisNexis and they told me there wasnt no number on file, my previous number was XXXX but its not in service anymore. I recently checked XXXX XXXX and they told me my phone number is under my name according to they data. XXXX claimed to be able to Verify with XXXXXXXX XXXX but not my number which is COMPLETELY FRUSTRATING BECAUSE I AM CARLESS and now I Have to pay off a AUTO LOAN EVERY MONTH WHEN I DONT EVEN HAVE THE VHEICLE becaus XXXX XXXX Never receive the funds. I EVEN CALLED XXXX XXXX XXXX XXXX and they told me the check had been cashed with chase and it had been verified but its XXXX end who is not releasing & holding the funds
Product: Vehicle loan or lease

I have called Credit Acceptance requesting a letter detailing my payment arrangment and they have refused. They said they do not send out letters on customer payment arrangements. There is no way to access payment arrangement information online. There is no way for a customer to physically see a payment arrangement. 

The co-borrower made changes to the payment arrangement on the loan without my knowledge. Credit Acceptance did not inform me of any changes through mail, phone call, or on their portal. This information should not be withheld from borrowers. 

Not being willing to send out payment arrangement information is also limiting to individuals with hearing disabilities that need to see/ read information.
Product: Credit reporting or other personal consumer reports

I recently discovered that a credit card account was opened under my name/SSN without my authorization. I am unsure how my information was obtained. The account was opened on XX/XX/year>, with XXXX  XXXX XXXX. The first transaction occurred in XX/XX/year>, and the card is currently over its limit with a balance of {$520.00} on a {$500.00} credit limit. Unfortunately, I am unable to access further details as I can only see this information through Experian.com. I've attached all account informationbelow. I have already frozen my account to prevent further fraudulent activity. 

I've contacted XXXX  regarding this matter, however, they responded that they don't have any record associated with my SSN. They said that if it is an commercial or other company 's credit card through XXXX, XXXX does not have details. 

Also, I noticed two hard inquiries and several soft inquiries for credit card applications that I did not initiate on XXXX and XX/XX/year>. 

I would appreciate your help getting more information. I am currently filing a dispute with Experian.com to get back my credit score. Your help will really helps. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect and or inconsistent information across All three Credit Bureaus Identification of the specific information being disputed XXXX, Experian and XXXX reporting Acct Number XXXX Basis for the dispute : XXXX Account # XXXX Open Date XX/XX/2016 Last payment XX/XX/2016 Payment History XXXX 2016 Unknown XXXX 2016 Unknown XXXX 2016 30 days late XXXX 2016 Unknown XXXX 2016 Unknown XX/XX/XXXX 30 Days Late XX/XX/XXXXCollection/ Charge off Remarks : Charged off account Credit Card Creditor Information : NONE XXXX Account # XXXX Open Date XX/XX/2016 Last payment XX/XX/2016 Payment History : No payment History Reported Remarks : Charged off as bad debt | Account information disputed by consumer, meets FCRA requirements Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Experian Account # XXXX Open Date XX/XX/2016 Last payment XX/XX/2016 Payment History : XXXX 2016 OK XXXX 2016 OK XXXX 2016 30 days late XXXX 2016 OK XXXX 2016 OK XX/XX/XXXX 30 Days Late XX/XX/XXXX Collection/ Charge off Remarks : Customer Disputed account- reported. |Unpaid Balance reported as a loss by the credit grantor Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone # XXXX
Product: Credit card or prepaid card

I have been a loyal Citibank customer since XX/XX/XXXX. I have made every credit payment on time, until recently ( Summer of XX/XX/XXXX ). Unfortunately I was placed on medical leave due to some treatments I am receiving and as a result I am not allowed to work temporarily. As a result of my leave from work and delay in getting my temporary leave benefits, I did fall behind on one payment to Citibank. Actually, I did log on to Citibank to make that payment and was expected to pay 3 times the normal payment amount, therefore I was unable to make that payment at that time, resulting in some fees and interest charges putting me over my limit. 
On XX/XX/XXXX, I did speak to an Agent whose job was something along the lines of Customer Solutions ( I apologize that I do not have the proper title, but the call was on XX/XX/XXXX. ) I entered into an agreement with this agent that I would pay {$130.00} a month until the account was caught up ( take note that this is still more than my average minimum payments by at least double ) but I wanted to get caught up and back on track not only to protect my credit, but also to keep my card in good standing for the future. I was assured by this agent that entering into this agreement would protect my card and keep it open as long as I made the minimum monthly payment, via bank draft. On XX/XX/XXXX, Citibank took {$130.00} out of my checking account as agreed upon. On the same date Citibank closed my account. When I became aware of this ( a week later XX/XX/XXXX ) I did call and speak to an agent who stated that the bank closed it, and that no reason is listed. I escalated the issue and indicated that the account should have been protected against closure, as I had entered into an agreement with Citibank- an Accounts Manager did tell me that my account should have been protected from closure with this agreement as she could see where the payment was made as agreed upon. I have upheld my end of the agreement & I feel disappointed that Citibank would close my account anyway, despite my good faith efforts. Prior to this, I have never missed any payments on any of my accounts on my credit, so there would be no other reason to do that. Even the paperwork sent states that the account will become current if I keep the agreement, however it can not become " current '' if it is closed. We made an agreement and Citibank has broken their end of the bargain by closing my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX i contacted XXXX XXXX about a personal loan to obtain a property for a business, the loan officer used my personal information on another persons mortgage application that i didnt ask her to process, she emailed and said i didn't qualify my scores were low and my credit was damaged, this was not true i was approved with XXXX the same day i received a credit disclosure statement from XXXX XXXX with a credit rating of XXXX, after receving my drivers license and income documents i was treated poorly but was well qualified for the loan i was seeking, i am humiliated for the actions of the XXXX XXXX employee for trying to make me feel like i was nothing tre she lied about my scores and credit because i was XXXX XXXX this was wrong.
Product: Debt collection

In XX/XX/XXXX I received a collection letter from XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX ) a debt collector for XXXX XXXX XXXX of Texas. I called their office to tell them that this debt was not mine and I have not stayed in Texas. I followed-up this telephone call with a letter dated XX/XX/XXXX. 

On XX/XX/XXXX I received another letter from XXXX requesting additional amounts due to their same client. On XX/XX/XXXX, I again sent a letter to them informing them that this was not my debt. 

On XX/XX/XXXX I received another letter from XXXX offering to settle the above debt within 10 days. 

They obviously have ignored my telephone call and letters.
Product: Credit card

I bought a new computer and left for XXXX shortly after. While in XXXX, I tried to go online and pay my LL Bean Visa bill and, because it was a new computer, I had to enter a lot of information - which the system told me was wrong and I had to call Security. I did not have my card with me and could n't provide all of the information request. I had to wait until I got home. I called Barclay Card and after XXXX attempts and speaking with XXXX different people I asked where they got their information ( former addresses, formerly owned vehicles etc. ) and I was told that they outsource to a vendor to produce information drawn from my social security number and public records. I told them their records are wrong and demanded to know the name of the vendor. They refused to give me that information. There is information out there linking my social security number to someone else and this company refuses to even give me the name of the company they paid for this ( bogus ) information??? This is unacceptable. I need to get to the source of this misinformation.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts listed below from my credit report. As a victim of a data breach, these accounts were not authorized by me and must be removed in compliance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts XXXX XXXX  XXXX - XXXX - $ XXXX XXXX XXXXXXXX - XXXX - XXXX - $ XXXX XXXX XXXX XXXXXXXX - XXXX - $ XXXX XXXX XXXX XXXX - XXXX - XXXX - $ XXXX XXXX - XXXX XXXX XXXX - $ XXXX XXXXXXXX XXXX XXXX  - XXXX - XXXX - $ XXXX BANKCRUPTCY - XXXX - XXXX - {$0.00}