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

ACCORDING TO BJ 'S Comenity Mastercard, my full payment of the balance of {$110.00} due by XX/XX/XXXX was received on XX/XX/XXXX ; that is, they claim, 3 days late. Therefore, I was charged a late fee of {$35.00} on my payment, plus interest of {$2.00}. The late penalty, in other words, was more than 33 % of the actual amount owed. 

I protested by telephone on XX/XX/XXXX, and was told by three successive representatives at Comenity that this charge could NOT be waived even in the midst of USPS difficulties caused at least in part by Covid-19 because I had made a late payment 11 months earlier. In light of such unreasonableness in the midst of a PANDEMIC, when postal services are beyond a persons control, I told the representative to cancel my Comenity BJ Perks Mastercard. 

I then mailed a check for the entire amount billed including that disputed late fee - {$260.00}. 

I RECEIVED NO BILLS AFTER THAT, and assumed the matter, as well as the account, was closed. However, two bills showed up in my mailbox this week on XX/XX/XXXX. NEITHER ENVELOPE DISPLAYED A POSTMARK INDICATING THE DATE OF MAILING. 

One bill claimed my XXXX payment of {$260.00} had been received TWO days late, on XX/XX/XXXX. I was AGAIN charged a late fee of {$35.00}, plus interest of {$3.00}, all of it due by XXXX, XX/XX/XXXX, which obviously was impossible, since I didnt receive it until XX/XX/XXXX. 

The second bill added a {$37.00} late fee for nonpayment of the late fee in the prior ( UNRECEIVED ) BILL, for a total of {$75.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report where I noticed a fraud alert and security freeze I contacted the credit bureau to have this removed I was told to submit request in writing which I did however Experian did not removed the alert instead they sent me a letter stating they could not remove I follow all guideslines provided written request drivers license copy bearing address ( physical address ) bank statements showing my P.O. Box ( mailing address ) and a copy of my social security card. 
In addition I also requested to have the bankruptcy showing on my file deleted as this is not my bankruptcy the bureau responded that they had verified the account however I asked them to validate the information ... XXXXthey then responded verified again stating XXXX XXXX as they source and I disputed that do they come back saying US Bankruptcy Courts verified i contacted the US Bankruptcy court and have enclosed a letter where the courts stated they DO NOT and HAVE Not verified this information I also contact XXXX XXXX who also stated they have no record or file matching my information According to the FCRA 623 ( a ) ( 5 ) If the credit bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 
The county recorder of feeds and the bankruptcy courts have both emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate or confirm public records I have enclosed the documents from both the courts and XXXX XXXX  A copy of my ID Proof of address And proof of social security number
Product: Credit reporting or other personal consumer reports

Over 60 days ago I have been contacting these consumer reporting agencies as they are accessing and reporting and furnishing information that I NEVER authorized. I demand the following inquiries hard and soft be removed immediately as they are reporting and furnishing information that i NEVER authorized. They are causing me damage, harm, and illegally reporting and furnishing information without my consent. They owe me violation fees for illegal use of my Credit file. I need you CFPB to make sure they get these inquiries that I never consented to removed and deleted immediately. They are not complying and I am suffering from stress and harmful XXXX  caused by these non affiliated corporations and they are abusing me and my information. 

I need the following inquiries to be deleted and removed from my credit file and I need my file updated as I have instructed below. I am tired of the abuse of these corporations and companies violating me and my rights. This is against the LAW. 

Delete NOW!!! 
I NEVER CONSENTED TO ANY OF THESE INQUIRIES. MY information and informed use of credit has been illegally accessed. BY law Every single PERSON Must have my Written consent and permissible purpose and my signature from me allowing these reportings and transactions, which I NEVER gave them. They MUST send me a copy of ALL the transactions and letters proving that I consented to XXXX, XXXX, and Transunion. They Must provide me a copy of ALL transactions accompanied with my written letter and my written consent to furnish my information. If they do not have a copy then they are in breach of contract, committing securities fraud, and I will check my file and if they are not removed as i have requested, I will also be notifying the IRS for their illegal and bad business practices : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Done in good faith, Without prejudice By : XXXX : XXXX, Beneficiary/ Agent For : XXXX XXXX Principal Without recourse . All Rights Reserved
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/2024 Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Debt Validation Request under the Fair Debt Collection Practices Act To Whom It May Concern, I am writing to formally request validation of an alleged debt you claim I owe, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I request that you provide proper verification of this debt before any further collection activity continues. 
Specifically, I request the following information : XXXX. The original creditors name, address, and account number associated with this debt.

2. A copy of the original contract or agreement that legally obligates me to this debt.

3. The complete payment history, including the balance, interest, and fees added to this debt.

4. A copy of the assignment contract or agreement that demonstrates your legal authority to collect on this debt.

5. Proof that the statute of limitations has not expired for the collection of this debt.

6. The name and address of any other entity that has owned or purchased this debt.

Pursuant to 15 U.S.C. 1692g ( b ), you are required to cease collection efforts until this requested validation is provided. If you fail to furnish the requested documentation within the legally prescribed timeframe, I will consider this matter closed and any further collection attempts a violation of my rights under the FDCPA. 
Additionally, I request that all communication regarding this matter be conducted in writing only. Please do not contact me via phone at any time. 
This letter serves as a formal dispute of the debt. If you report this debt to any credit reporting agencies before properly validating it, I will consider it a violation of the Fair Credit Reporting Act ( FCRA ) and will not hesitate to take further legal action to protect my rights. 
Please respond in writing within 30 days of receiving this request. Thank you for your cooperation. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX multiple times about follow up on file. I was in the XXXX  for about a month. I tried using the mobile app it did not work and I try calling multiple times I kept getting hung up on. I asked the rep to speak to a manager regarding cfpb complaint they said no one was available.Customer is not helping with my concerns and providing me any type accommodations.XXXX XXXX removed my automatic payment, stop calling me, and the app doesnt work.
Product: Debt collection

XX/XX/2014 ( 4 yrs, 1 mo ) Amount {$1100.00} I contacted XXXX   multiple times to dispute and prove the debt wasn't mine with letters and a letter was sent back from XXXX XXXX.
Product: Debt collection

Received a letter from Nationwide Credit Inc, trying to collect an alleged debt. I have never heard of Nationwide Credit , Inc . I don't owe any alleged debt that they are trying to collect. In addition, their communication tactics are in flagrant violation of the Fair Debt Collection Practices Act, deceitful, hostile, and harassing.
Product: Debt collection

They claim that I took out a MasterCard with HSBC, which is now XXXX in 2013 and make charges but never made any payments on it. I never took out a credit card with this company. 

Today called me at work XXXX XXXX XXXX said that they if I couldnt pay {$600.00} today they would serve me in 10 days and see me in court. 

I asked them to send me documents so that I can see these charges they sent documents to 2 addresses that I havent lived at in years.
Product: Debt collection

I do not owe this debt because during this time my child had XXXX XXXX. Which means they shouldve filed with XXXX and we also had started Medicaid the following month. I feel they should file the insurance to get their money instead of waiting on coming after the parent ( me ) for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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

CFPB Write up XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

this credit card account is my ex girlfriends and she listed me on the card as a signer i never got a card and i have never used this card she has tried to get them to removed me from the card she has verified that it wasn't my card and i never used any of the balance on the card and they still refuse to removed me she has verify to XXXX XXXX  that this debt isnt mine and has yet to get resolved to it
Product: Checking or savings account

I have been calling Cash App multiple times since XX/XX/XXXX in regards to the dispute I filed more than once. They are not providing any information regarding the disputes I file with them. I filed two police report : XXXX. The first was in the amount of {$200.00} at XXXX at XXXX XXXX. The second charge is {$200.00} at the XXXXXXXX XXXX XXXX XXXX XXXX. The third charge was {$500.00} at XXXX at XXXX. The fourth charge was in the amount {$700.00} was also at XXXX at XXXX. Three transactions were a mobile transfer, in the amount was {$100.00} at XXXX XXXX. The next one was {$100.00} at XXXX. The last transaction was in the amount of {$580.00} at XXXX. I spoke with XXXX XXXX XXXX, they informed me that the transactions were coming from a Cashapp code as XXXX as of today XXXX was able to get me back into my email XX/XX/year> and you can see my information my passcode and my location was disable to the phone proving I was not the one who made those transactions and I was also able to get the police report that cash app keeps denying to view. And because they closed the account in a inappropriate time with investigating I cant load the documents. To this day I still have not had a full investigation my funds have not been released back to as told by the first Cash App Worker. I also requested them to go back and listen to all the calls and to go threw the transactions proving my innocence and still no response. You dont see any of those people on my cash app account. I never withdraw that amount of money, my transactions are used for rent if its a large amount and if you look at the times of the transactions and they way it was removed from my account it shows it wasnt me. I am refiling this claim and need a throughly investigation. No person or company should be able to get away this and treat their clients with such disrespect. Its humanly wrong and this has ruined my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to be taken off my credit report as it is under 500.00. 
Also it has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all inaccurate information on my credit report with transunion. checking the data filed alot of information is invalid an hurting my credit report. please delete all information submitted in the files to delete an correct all the errors.
Product: Checking or savings account

When I entered XXXX  Wells Fargo was present during orientation claiming it would be prudent to open a credit card for purchasing books, etc to establish good credit. I did so with my parents, along with a checking account. At this time Wells Fargo automatically created a savings account without my knowledge or telling me about it - and no notification of fees associated with said savings account. This was around late Summer of XXXX 

I've known about Wells Fargo 's lawsuit around their shady business practices and honestly expected them to reach out to me as was part of the terms of their settlement, but I have not been reached out to or received any reimbursement for this account being opened without my knowledge or say-so, or knowing about the terms of the account. 

I've just noticed that continuing today, I've been being charged monthly fees due to not meeting account minimum requirement of $ XXXX, and I naturally don't use this account as I didn't sign up for it and don't need it at all given that it's APY is so far below what is available in other savings accounts. I've attached screenshots of fees being charged and the monthly fee terms, which again, I never agreed to considering I never opened a savings account with Wells Fargo myself- they did it. 

This account is also tied to receiving the credit card cash back benefits also shown in my attached screenshot of account activity, which are obviously minimal compared to the account minimums or what I would receive in interest if I kept {$300.00} in a higher APY savings vehicle. 

I'm reaching out because I have friends that have shared that Wells Fargo reached out to them with payment due to this lawsuit where they had the same exact thing happen to them, a savings account being opened without their knowing when they signed up for a credit card when they went to XXXX
Product: Debt collection

an account has been reported to my credit report again that has been previously removed by other collection agency 's once they verified that this is not owed by me I spoke to a supervisor and he was not helpful when i told them to verify it with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Enclosed/Attached is a copy of my original dispute letter I am writing this due to non-compliance with Credit Reporting Agency Experian They failed to conduct a proper investigation in accordance to FCRA guidelines I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Because in my dispute letter to the CRA dated XX/XX/XXXX. Inaccurate Items disputed XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. Basic dispute reason : remove this account because it shows the date of status didn't change/update, this irrefutable proof that no investigation was done ina previous dispute ... delete immediately However in the CRA dispute results report they claim the items was verified as accurate but how could this be? when the date of status or DOS didn't change/update after the investigation was done, this proves that no investigation was ever done because the date of status or DOS didn't change. DOS didn't change/update even though the CRA claimed that the inaccurate items reporting on my credit report was verified as accurate and their investigation is complete, but the DOS didn't change to be a current updated date as per FCRA. 

It is to be noted that prior to my dispute with the CRA, inaccurate items XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX date of status or DOS was ( XX/XX/XXXX ),  XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX  XXXX XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX date of status or DOS was (XX/XX/XXXX ), XXXX XXXX XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX date of status or DOS was ( XX/XX/XXXX ) After what is known as an investigation that was conducted and completed by the CRA, my dispute results from that investigation shows the DOS didn't change/update.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA has recently settled in a multi state investigation about Santander 's subprime lending practices. Santander knowingly exposed borrowers to unnecessary risk and placed them into loans with a high probably of default. I have sent letters to Santander about my account being deleted and to this day they have not deleted this from my credit report. It is against the FCRA for a creditor and the credit reporting agencies to report inaccurate and false information. I am asking that this Santander account be deleted from my credit report immediately.
Product: Credit card or prepaid card

I received a direct deposit from the SBAD Treas XXXX on XX/XX/2021. I received and email stating my funds where available. The next morning I couldnt use my card. Called and found out the account had been suspended. They couldnt give me a exact reason why and told me there was no number or email just a P.O. Box where I would have to send a letter. I did that and still havent heard anything. I wasnt notified about the account being suspended or why.
Product: Payday loan, title loan, personal loan, or advance loan

I am sending ANOTHER complaint to CFPB about this company. I submitted a complaint and nothing was done to help me. I am struggling to pay this loan and need help figuring out a different payment plan. I would like to set up a more feasible payment plan. The payment plans that are being offered are still too high for me to pay. I would like to set up some sort of settlement with this company once and for all.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A, states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2, states a consumer reporting agency can not furnish and account without without my written instructions.

15 U.S.C. 168c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe.
Product: Credit card or prepaid card

Four flights were made pre COVID 3 have been credited and one remaining XXXX {$32.00} flight made same day XX/XX/XXXX as XXXX XXXX XXXX {$33.00} ) still has NOT been credited. 

We are at the home stretch to get back to normal for all charges and credits for SERVICE NOT RENDERED on my account I want to give gratitude to CFPB to help me with Capital One 's attention to this matter after 8 months of communications Thus, I hope I can after 8 months (! ) to get final credit of XXXX {$32.00} plus remaining credit of interest charged {$5.00}. 

Here is breakdown of my analysis : Interest charged : Interest Credits given : XX/XX/XXXX {$8.00} XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX {$40.00} + XXXX XX/XX/XXXX XXXX Total XXXX XXXX Chargeback and credit remaining : {$510.00} + XXXX due to resolve this matter I have autopay set {$310.00} less XXXX pending resolution of final chargeback plus interest I hope we can close this matter with CFPB help
Product: Credit reporting, credit repair services, or other personal consumer reports

See attatched XXXX Tracking proof of delivery reciept sent to all three Credit Reporting Agencies. XX/XX/XXXX. see attatched FTC ID Theft case XXXX. I FOLLOWED FTC GUIDELINES TO NO AVAIL. Kindly Note CFPB XXXX submitted XXXX DISMISSED ISSUES. CFPB XXXX XX/XX/XXXX DISMISSED ISSUES. see attatched Letter Dated XX/XX/XXXX due to my XXXX & no on line access. REQUESTING ( ** Despite written requests the unverified still remain on my credit report in violation of Federal Law. You are required under FCRA to ** have a copy of the original signature creditors documentation on file to verify that this information is mine and correct. ) You have NOT provided me a copy of any original documentation ( a consumer contract with my signature on it ) as required under SECTION 609 ( a ) ( 1 ) ( A ) & SECTION 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verificatiion as required under SECTION 611 ( a ) ( 7 ). Please be advised that under SECTION 611 ( 5 ) ( A ) of the FCRA - you are requied to ... .. promply DELETE all  information which can not be verified.See attatched EXPERIAN RESULTS XX/XX/XXXX. I DID NOT REQUEST A BLOCK. Kindly Note XXXX  VIOLATES FEDERAL LAW. CLEARLY THEY DO NOT HAVE MY VERIFICATION CONFIRMATION ON FILE.Kindly note USAA ACCOUNT NUMBER CHANGES Letter XX/XX/XXXX CONFIRMS account end XXXX XX/XX/XXXX confirms account XXXX AND NO FIX. I DID NOT OPEN THESE ACCOUNTS.
Product: Mortgage

The most recent online monthly statement is incorrect, statement date XX/XX/2021. Select Portfolio Servicing still has not corrected the online monthly statements. The past unpaid amount of {$870.00} is incorrect. There is no balance owed or past due. I just started paying {$870.00} on XX/XX/2021 from a correction that was made by Select. How can that amount be past due. Any unapplied payments should go to escrow. 

Why did Select send {$190.00} of escrow surplus instead of leaving it in escrow. If the account should have {$920.00} in escrow for XX/XX/2021, why doesn't it reflect it on the online statement? The online information shows the escrow balance of {$530.00}. 

Please stop reporting inaccurate information on the account and correct it. Stop reporting fraudulent amounts on my account.