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

I was charged {$27.00} in late fees ( {$25.00} ) and interest ( {$2.00} ) on a {$.00} balance, that I thought was going to be paid automatically after having set up payment on-line. It was unclear to me that XXXX Bank only offers a one-time payment option, rather than autopay like all the other credit cards I have. When the {$.00} balance was not deducted on XX/XX/2019, I received the next statement on XX/XX/XXXX, show a larger balance of {$28.00}. I called that day to pay the {$.00} balance and request a refund of the fee and interest. That request was rejected. I am sending a letter to their Billing Dispute Department to hopefully have a refund processed. 

However, in addition to feeling like these fees are outrageous given the extremely small balance, I believe XXXXXXXX XXXX conduct is also deceptive. Their website should be clearer regarding the lack of an autopay option. Further, when I called previously about a missed payment, I was simply told that the issue was that I had set up for a one-time payment, not that XXXX does not even provide the option of autopay, leaving me to think I had just somehow made an error on-line and that if I resubmitted my request, I could activate autopay for future payments. Finally, during my call with XXXX on XX/XX/XXXX, I stated that I was not going to pay the fees and interest. I was told that that was my choice, but the amount would still be owed. Only when I asked whether additional fees and interest would be applied to the disputed fees, did the agent inform me that they would. This all suggests to me that XXXX prefers to be vague about its payment system and others procedures, so that customers incur additional interest and late fees. 

Last, I do not believe they applied the proper late fee, even if I am required to pay the fee. The late fee is capped by the balance owed. They charged me {$25.00} as a late fee, which was the statement balance at the time the statement was issued. However, a credit of {$25.00} was applied on XX/XX/XXXX, well in advance of the payment due date, leaving a balance of {$.00} being unpaid as of XX/XX/XXXX, the due date for payment.
Product: Credit reporting or other personal consumer reports

I am the person making this complaint & I give CFPB authority to investigate this claim. After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : XXXX XXXX XXXXXXXX XXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit card or prepaid card

I am having an issue of applying for a Capital One credit card. When I apply for a Capital One credit card I get the following credit decision : Cant process or open any Capital One credit card accounts due to prior Capital One Bank credit card accounts. I paid in full the Capital One Bank XXXX account ending in XXXX to a debt collection company on XX/XX/XXXX and Capital One Bank account ending in XXXX was discharged under XXXX XXXX bankruptcy in the United States District Court District of Minnesota Bankruptcy Court on XX/XX/XXXX. I have settled all outstanding account balances of prior Capital One Bank accounts. I should now be able to apply for a Capital One Bank secured credit card to rebuild my credit. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Product: Mortgage

Response from XXXX XXXX XXXX XXXX, 2015 I have not and do not abandon my property. 
I am still in dispute with XXXX XXXX XXXX XXXX XXXX XXXX, Bank of America, XXXX XXXX, XXXX XXXX XXXX and all other associates, remove lien, stop harassing us, cease and desist. 
I do not agree to pay any legal fees. 
I have never paid XXXX XXXX at any time stemming from this invalid loan and servicing that is not in good standing. Statements from XXXX XXXX never included XXXX XXXX name. This is my home. My XXXX adopted children will not be on the street for their greedy scams. We are victims of XXXX, Robo signing, Falsehood, XXXX, force -placed insurance, and other violations. 
I have estimates up to {$48000.00} to get the roof put on right. I have a {$140000.00} estimate to have my foundation under floors fix right. Plus all other maintenance and problems. Nothing in here is grade A materials, but by or blood, sweat and money, we made it a home for our children. You show paperwork, we did not sign. Harassment phone calls and drive by people harassing, sitting out by the yard, and then knocking on my door talking about they walking around the house for XXXX XXXX. Stop harassing us, cease and desist. 

cc : XXXX XXXX XXXX XXXX XXXX XXXX, Bank of America, XXXX XXXX, XXXX XXXX XXXX and all other associates ; Included : * Consumer Financial Protection Bureau case # 's : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *Dispute Letters to XXXX XXXX XXXX , XXXX. 
*Dispute Letters *Estimate *XXXX XXXX Letter XXXX XXXX Statements * More available Documents Upon Requests ( Including, Independent Review and Forensic Audit ) Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX
Product: Vehicle loan or lease

They repossesed my car during pandemicand then put the loan into charge off status. I am still paying on the loan and they are not taking the vehicle out of charge off status NOR reporting the payments i make to them. Furthermore they are imposing due dates on days they are not open. So if i pay the following business day the loan reflects as late. They repo after one day late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recognized there was erroneous information on my credit report so I notified Equifax to get it resolved. They failed to verify the information and have not completed their investigation in 30 days. They are willfully violating the Fair Credit Reporting Act by their continuous reporting of wrong information and unwillingness to validate or respond within the timeframe given by law.
Product: Mortgage

I received a Reinstatement Calculation document from Bank of America with instructions on how to reinstate my mortgage. I sent a check to BofA which arrived at XXXX on XXXX XXXX, 2015. According to the Reinstatement Calculation document, I should be able to call anytime between XXXX & XXXX Monday through Friday. I tried calling today at XXXX to confirm that the check had been received by them. I called the phone number given on the document. I was sent to my account XXXX 's voice mail which stated that she takes calls from XXXX to XXXX. Her manager 's name was given as an option to talk with instead of leaving a message. However, his hours are XXXX to XXXX. I tried calling back and did not given the account number hoping I would be able to get someone that way. The automated answer was that I either needed the account number or the address and social security number so it could transfer me to the account manager. 

Bank of America 's document states, " If you have any questions about the information above or if you want to confirm that the funds have been received and applied to the loan to stop the foreclosure, please call XXXX, Monday-Friday XXXX. to XXXX. Local Time. '' This statement is incorrect as I tried this several times and the only person I could get to was the account manager 's voice mail. 

Please see attached document.
Product: Debt collection

My medical bill from XX/XX/2019, which I thought was resolved by my insurance, was sold to a collection agency without my awareness. I never received any correspondence about this bill having been sold to a debt collector until it showed up on my credit report, taking my score down by almost 100 points. When I saw the debt report and called them, they admitted to having an error in my address that would have made it impossible for them to reach me. I paid the debt IMMEDIATELY upon hearing about all this, and I need this resolved and taken off my credit score.
Product: Credit reporting or other personal consumer reports

Last week I sent TransUnion a letter asking for the support of the FCRA 605B law. I sent an Identity Theft Report and Police Reports to the credit reporting agency.

They have five days to remove the identity theft trade line from the credit reporting system.

I had to wait 30 days for the credit report to advise me that they would not be removing the identity theft accounts and the massive amount of fraudulent inquiries. 

I had to go to the lawyer for counsel for this matter because I have to sue for damages pain and suffering.
Product: Debt collection

I was on XXXX XXXX and saw some debt that shouldn't be on my report.None of these debts are mine.  I would like to have these resolved and removed.
Product: Credit card

I received a voicemail informing me that my XXXX 's MasterCard was flagged for fraud, and that there may be a hold on my account. I was instructed to call XXXX XXXX XXXX, the same number that left the voicemail. Upon calling, an automated message prompted me to enter my credit card number. I was immediately suspicious, as I do not hand over personal information to a phone number that I did not obtain through a legitimate website and/or company. Instead of entering my credit card number, I repeatedly pressed XXXX and *, as most automated messages will direct you to a human representative when this occurs. The automated message responded that my card number was not valid, and to try again. This process repeated XXXX times until the automated message informed me to call back with my credit card details readily available and I was disconnected. At this point, I contacted Barclay cardmember services using the telephone number provided on the back of my credit card. Upon reaching a representative, I was informed that no fraud had been associated with my account and there were no holds. I was also told that they have been receiving calls from members and nonmembers regarding similar situations. Clearly, the original message I received originated from a phishing attempt.
Product: Debt collection

A company continues to call my parents home. They have called several times over a span of 6 months. In the beginning of the call frequency, they were leaving messages looking for someone with my last name. However, the first name was not a member of my family. 

Three weeks ago, the began to call my parents residence again. Now, leaving messages for me specifically. They are clear on all details in most of the details when leaving a message, but slur the name of the company ( Possibly " CSA ) ''. The contact number they leave is XXXX. When I look up the company name or the number online, I can not find any connection to a creditor company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX # XXXX, and account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A : states I have the rights to privacy.

15 U.S.C 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not require for my credit report to be locked. It is the responsibility of Experian to validate this debt based on original documention that you are required to keep on file per Federal Law to present to the alleged debtor ( s ) upon request. Experian is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is the consumers and is correct. In the results of your first investigation, Experian stated in writing that you verified that items XXXX XXXX Acct : XXXX XXXX XXXX Acct : XXXX are being reported correctly. Who verified this account? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA. I have given copies of my ss card, state ID and the name and acct nbr several times to Experian which is continuing to break the very federal law that was implemented by Congress for this very predatory business practice! Now additional information is being requested from me while the responsibility of the Credit Bureau to validate this debt ( s ) BEFORE unlawfully reporting it by Federal Law is being ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous CFPB # XXXX XXXX sent a letter that stated that the late pays would be removed from my account. I have been receiving credit agency emails stating that my account has been corrected. After contacting the agencies they state balance has been updated and late fees removed but XXXX late pay in XXXX is still showing on report. I 'm in the process of obtaining a XXXX loan on my home and this is causing an issue with the rate due to damage to my credit score. 

I 'm confused on why the reporting agencies are permitted to add derogatory info to accounts without first alerting the consumer? It took them XXXX day to ruin my perfect credit and its going to take XXXX days to repair after fighting with XXXX for XXXX months. 

Can this dispute also be sent to all XXXX credit report agencies? I will gladly complete XXXX more disputes is this is what it takes for them to correct this issue. 

Thank you so much!!!
Product: Checking or savings account

I filed a dispute with my bank huntington the dispute refernce number is XXXX my insurance company commited fraud they said they wouldnt charge my account anymore and i removed my bank details but they charged it anyway they had my info saved in the system they commited fruad my bank wont refund me
Product: Credit reporting or other personal consumer reports

The public record being reported is not mine. Its in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance to the Fair Credit Reporting act, EXPERIAN, XXXX, AND XXXX ARE IN VIOLATION OF Section 1681, 1681b ( c ), 1681 ( C ) 1681S ( 2 ), While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Experian Inquiries : XXXX XXXX XXXX XX/XX/2021 XXXX OF XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX inquiry XX/XX/2021 XXXX XXXX XXXX inquiry XX/XX/2021 XXXX XXXX  XXXX XXXX XXXX XX/XX/2021 XXXX inquiries : XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX inquiry XX/XX/2021 XXXX XXXX inquiry XX/XX/2021 XXXX XXXX : XXXX XXXX XX/XX/2021 XXXX XXXX XXXX EXPERIAN, XXXX, AND XXXX ARE IN VIOLATION OF I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, i did not give you Experian, XXXX and XXXX permission to furnish this this information onto my credit report. This is a violation of the XXXX Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.

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

15 U.S.C 1681c. ( 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 of crimes which antedates the report by more than seven years.

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

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written
Product: Vehicle loan or lease

I had filed a couple previous complaints and am asking if this new complaint and information can reopen the previous two cases I had to replace my battery not long ago and the receipt is attached, I also was informed that upon getting my mainfold bolts replaced on passenger side only, that my ABS Module Sensor was bad, my Heater will need to be replaced due to no heat, and that i will need to reschedule another day so that my drivers side maifold bolts can be fixed as well. 
Upon, Leaving the VA, I went to XXXX next door, I pulled out a Blower motor Relay to check if it was blown and the ABS Module relay, in which, XXXX relays had some corrision on them, I went into XXXX to see hiw much these relays would be. 
Upon leaving XXXX, I started the truck fine and let it warm up a little more, I than went to put the Truck into Reverse and found the I could not shift from park to reverse. 
Upon exiting the Truck, Observed that the headlights flashed several times, than I found that my rear light tail light was the only one working as to my drivers side headlight only worked, I reset the eletronic control module by touching the positive and negative battery cables together for 30 secs. The end result was the same. 
When calling XXXX Premium Extended Warranty for Approval, They informed me that it would cover XXXX, meaning to me that the tow was covered, I get a call from the towing company informing me of an unpaid balance of XXXX dollars which needed to be paid first? Not understanding any of this I paid it, the tow truck driver didnt understand why that was said when my warranty covered the deductable for XXXX dollars. 
I am asking if there is anything you can do or make any calls to Credit Acceptance or XXXX in order for me to get a rental car at there expense come Monday afternoon as the truck has been sitting at the Mechanic Shop since Tbursday and wont be looked and diaginosed until monday and hard telling when all other items will be fix and how long it will take. 
I feel that Credit Acceptance should be become more liable an or enforce the vechile contract onto the sellers at this point and make them liable as they would have me if i was to violate the purchase argeement that was signed by me and the seller. The seller sold me a truck and hidden details about the truck and did not disclose the vechile history or repairs thst the truck has gone through, in which i did not become aware thst they were suppose to when until i reread through the vechile contract.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. Opportunity financial is Removed and deleted off transunion but still reporting on Equifax. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. This item is currently showing inaccurately on my credit report filed with your credit bureau. 
Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Sincerely, XXXX XXXX
Product: Debt collection

Hello..my name is XXXX XXXX XXXX . I am reporting some issues I have been dealing with and hope that someone can help. Before I begin I have added a Notarized Statement showing that I, XXXX XXXX XXXX am submitting this complaint on my own to the CFPB without the help of anyone. I am providing this so CFPB doesn't close my case due to them thinking someone else disputed this for me. Now for my Dispute with LVNV. Starting back in XXXX of XXXX I started off disputes by sending a letter regarding inaccurate and unknown things on my credit report. Up until now I have filed multiple complaints was with both XXXX as well as LVNV ( XXXX : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. I have yet to get a response in some cases and ignored in others. Below is timeline of events. I have also added all of my proof as exhibits. XXXX Initial letter to Experian was sent detailing that I asked that they investigate. I also added in proof of violations which were numerous. I also pointed out the fact that the Two other bureaus promptly removed the account due to violations but Experian somehow seems to verify them. TO THIS DAY I STILL HAVE YET TO GET A RESPONSE. SEE EXHIBIT A. Exhibit B, Exhibit C. * XX/XX/XXXX Since no response I decided to send a letter to at least validate the debt to LVNV for two accounts listed on my report. These items were sent certified mail. Receipts and copies of the letter can be seen on Exhibit D, E, and F. * Around this time since I still have not heard a response from Either party, I opened an XXXX Dispute online. They responded back by updating the original balance. It now shows XXXX for both accounts. They however still neglected to delete the other blatant issues such as reporting history on a collection and continuing to update it monthly as if it is an installment loan. As well as showing monthly terms for a collection. Proof can be seen in Exhibit G and H. * On XX/XX/XXXX I received a letter from XXXX XXXX XXXX which is another subsidiary of LVNV. I thought it was a response to my asking for validation of the debts. Nope! It was instead a letter stating that unless I ask to validate the Information in 30 days, they will assume it is accurate and try to collect. This letter also has issues present. They have been identified in Exhibit I. * I have today XX/XX/XXXX I have pulled my credit report to see they are still updating my report monthly reporting on a charge off/collection account as if it is an active account. Still have yet to respond to my complaints both Experian, Resurgent, LVNV, XXXX XXXX XXXX or whatever name the company is going by today. I have added Exhibit J and K. To this day well over 80 days I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. I have no choice but to enlist the help of the CFPB to hold XXXX and Resurgent/LVNV/XXXX XXXX XXXX accountable. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately.