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

I am filing this complaint against PayPal Credit as they closed by account in either XXXX of XX/XX/XXXX without notifying me after I had gotten behind on one or two payments which I had made arrangements with PayPal Credit to pay and I had kept my arrangement. They made me think my account was still open, but they had actually closed it without my knowledge in either XXXX or XXXX as I wrote. 

To my surprise I found out that they were still charging me late fees and interest each month including in this month of XX/XX/XXXX with late fees of XXXX each month since they closed it in XXXX which I thought was not legal and I need clarification on this because from my conversation 's with other 's in the industry I have been informed that banks or credit cards do not continue to charge late fee 's and interest once an account has been closed. 

It seems as if this is being done in order to hurt me or being doing with malice and without any consideration to a customers problems whose business they sought. I informed them that I had to temporally stop working to help with a family that is over 100 years of age, but they do not care and continue to add these amount 's to my account although they closed the account. I therefore feel they are being very unreasonable and again doing something that I did not think was legal. 

When my account was closed I was over my credit limit by about XXXX. Now they have me owing almost XXXX when my credit limit was just XXXX. I have tried in good faith to ask them to stop charing late fees when my account is closed and stop adding interest to this account but they refuse to do so. Therefore I am seeking your assistance with this issue.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX survivor these accounts aren't mine please help me XXXX XXXXXXXX KikOff XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Nordstrom Card Services ( " Nordstrom '' ) engaged in aggressive behavior which greatly impacted my credit score preventing me from obtaining a favorable interest rate. In preparation of obtaining a car loan, I issued a payment for {$7500.00} to pay off the card on XX/XX/2023. My credit limit was {$7900.00}. On or about XX/XX/2033, I made a purchase on {$710.00} on the credit card. Without any warning or valid reason, Nordstrom reduced my credit limit to {$800.00}. This immediately impacted by credit score since it showed a maxed out credit card on my report. I immediately paid off the card for {$710.00} near the same time. After multiple calls, my credit report still has not been updated.
Product: Checking or savings account

On XX/XX/year> I discovered XXXX large transactions pending on my checking account. XXXX transaction was for {$3500.00} and the other for {$1700.00}. Wells Fargo did little to notify me and determine if these charges were authorized. 
On XX/XX/year> I filed a claim w/ Wells Fargo for these transactions. The transactions occurred in such an odd time, odd amounts, and for services which I have never used. Claim investigators treated me extremely bad. They constantly hung up on me and never investigated. They canceled my card and sent me a new one whereby {$5200.00} of unauthorized charges was now posted to my account, leaving me with {$90.00} in my checking account.
Product: Debt collection

On XX/XX/XXXX, I recieved a phone call from a Debt collection company called D2 management. The man who was in the phone tried telling me that I owed {$350.00} for a payday loan that was placed. This company sold my debt to another company two months ago to another company called XXXX XXXX XXXX. On XX/XX/XXXX, I called and paid a settlement amount with the XXXX  XXXX XXXX. I have a credit card statement that proves it, along with a letter from the company. The man with D2 management yelled at me over the phone. He told me that he heard my recorded messages from past phone calls and that I dont have any proof of paying the debt, even though I do. He continued to talk over me by yelling. I disconnected the phone call with him and the same man called me back. He continued to yell and told me that I wrote a bad check for the payday loan, when I know I didnt. I do not own a check book. He also stated that my debt was never sold to another collection company. I never heard of XXXX XXXX XXXX  until I viewed my credit report and saw that D2 management sold my debt to them. The man with D2 management tried saying that I made an agreement with them to do a payment plan with the first pay starting in XXXX. The agreement was voided because the first payment did not go through. They would not accept the possibility of waiting until the next payment for XXXX. I was told that because the first payment for XXXX didnt go through, that the agreement was considered void. Then I was threatened to be taken to court and a judgement filed against me. In XXXX, D2 management took funds from my account, even though I was told the agreement was voided. I called my bank and had the funds credited back to my account because they did not have permission to withdraw funds, since the previous agreement was voided. I called D2 management and spoke with a representative to ask them why they withdrew funds without my permission? I was told that they were going by an agreement, even though it was voided. XX/XX/XXXX, is the first time I have spoke with D2 management since XXXX. Every phone call with them has been recorded. Including the phone call with them saying that my agreement was voided.
Product: Debt collection

I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you, Hunter Warfield, is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733.

Hunter Warfield is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you Hunter Warfield, is furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A.

This is a notice to CEASE and DESIST of illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by Hunter Warfield for the accounts opened XX/XX/year>. 

Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you, Hunter Warfield, into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud.

If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.

Warm Regards, XXXX XXXX XXXX Without Prejudice All Natural Rights Reserved
Product: Vehicle loan or lease

Chase Auto Finance is not providing accurate information via the IVR payment system. I had called in for several months and made payments over the phone after my husband and I separated ( XX/XX/XXXX ). The system has two options for payment. Pay the current amount due ( push 1 ), or pay the total amount due ( push 2 ). I selected the total amount due, since I thought I was a couple of days late on my payment, and owed a late fee. The system stated the total due was my standard payment plus a late fee. I was ACTUALLY 32 days past due and owed two payments plus late fees. I found this out when my credit monitoring app notified me the afternoon after I had made the payment ( XXXX XXXX ) through the IVR system. The credit reporting agencies already knew I was late, but their IVR system did not? This same thing had occurred for several months from what customer service told me that evening ( XXXX XXXX  ). I never knew I was behind. The rep canceled my morning payment and took a payment over the phone for the total amount due. Her manager admitted there may be an issue with the system but refused to make a goodwill change to the reporting of my credit. I have not had a past due payment in over 8 years. I filed a report with the XXXX. A gentleman with Chase 's executive office made contact with me more than once, but he never seemed to understand the issue. He could see that I had paid the late fee ( {$450.00} instead of {$440.00} ) so I must have selected option 2, and if that was the case, the amount I was told with option 2 was incorrect. I want the issue ( providing incorrect information via their IVR system ) resolved for all customers. Accurate information should be provided by a lender, even through their automated phone system. Thanks to their payment system, I had a 100 pt. drop in my credit. I'm likely getting divorced and now won't be able to buy a home. Things like this can have a huge impact on people lives but they don't seem to care.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX Balance : {$2800.00}
Product: Checking or savings account

This is my second complaint with cfpb. My account been locked since XX/XX/year>. I was told by the bank they was sending a letter with a reference number so I can access my account. Here we are XX/XX/XXXX XXXX a whole month later still no letter. My account is still locked. I just want my funds. All the representatives are rude nobody is giving me information my money been locked in an account for a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Called experian this morning and tried to talk to the over seas customer service rep wh barley spoke XXXX I told him I was recording the conversation and he hung up
Product: Checking or savings account

This complaint has been made directly to Citibank many times. 
Their bill pay function is often down or not working or states I have no payees. They have recently changed their bill pay from a straight alphabetically list of payees to this new dash box and the new system ( while the old list can be found -- but often difficult to get ). The new boxes takes up a lot of space ( pages to scroll down through ) and time and is very inefficient for those paying many bills. They added multiple payee list, but that is very confusing as well. Simple is better and faster. But that aside. One can still pay bills if the functions work. The problem is something is not working most every time I go to pay bills. I am a busy person. I then see listed the statement : not working ; try later. Often later is not a few minutes, but hours. Often I will not be back by a computer for a day or two and need to get bills paid. I like to do from home as I keep records of bills paid and doing them on the run is not the best way ( with a cell phone ). So, I have tried in the middle of the night. Then down for middle of the night work. Tried today at XXXX XXXX XXXX, not working. 
Today at XXXX XXXX I managed to pay three bills ( # reference number # XXXX, XXXX and XXXX ) and then the function stated I didn't have any payees. I called to complain and regular Citibank operators sent me to supervisor who hung up on me or got disconnected. She had just asked my phone number so could have called me back ; she did not. I called back and was told the problem was still existing. All toll this attempt to complain consumed about 45 minutes of my time. If this happened, once, it would be ok. But this has happened at least 12 or more times recently. Based on that, I believe they are not giving the advertised services as they should. They also hang up on you when they don't want to hear the complaints. Since they ask for your phone number, they should call you back if a disconnect occurs. They do not.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone opened a fraudulent account with XXXX in my name, XXXX cleared me in XX/XX/2017 and contacted the credit agencies, Equifax has yet to clear it, even after being contacted by XXXX twice.
Product: Credit reporting or other personal consumer reports

I have a small collections/charge off on my report via Affirm. It was charged off and being managed by a 3rd party collections company called XXXX XXXX. 

I submitted a settlement payment for less than the balance owed directly to XXXX XXXX and received a confirmation email indicating the account is settled and balance is closed. However, Affirm refuses to acknowledge the account as settled and continues to report it as an open account with a balance. 

In addition, XXXX refuses to adjust the account even after I provide proof ... .meaning this particular CRA no longer has the consumer 's best interest and is only taking the creditors best interest.
Product: Debt collection

Debt reported by AFNI for XXXX was already disputed and removed on other reports. They are now trying to put this back on my credit report which is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting an account to my credit report that is already paid in full and extremely old. I have asked them multiple times to remove this and they have not done so. There is no reason for it to still be on credit and I would appreciate if it was removed.
Product: Debt collection

Years ago, I closed my checkings and saving account with 5/3rd Bank and thought nothing more of it. Approximately 3 years later, in XXXX, I received a call from a collections agency, XXXX XXXX XXXX XXXX XXXX, that informed me of a debt I had unknowingly incurred after a payment posted to my aforementioned checking account that was closed. After calling 5/3rd and learning that both the debt was legitimate and that it had been sold to a debt collections agency after 5/3rd lost contact with me ( my phone number had changed ). On XX/XX/XXXX I settled with XXXX XXXX XXXX, XXXX for the amount of {$380.00} and obtained documentation proving as much. In subsequent years I would occasionally receive calls from other collection agencies inquiring about my 5/3rd debt, to which I would then showcase my settlement letter and they would go away. 

Fast forward to last month ( XX/XX/XXXX ). I got another call from a collector, name unknown to this day, who, as usual, threatened me with a subpoena. I then went through my usual routine of providing them with my settlement letter, having been given an email address to send documents to : XXXX. This email address didnt work, having received a " return to sender '' email, so I called them back. They gave me a different but similar email address : XXXX. I tried that and got the same " return to sender '' email even after calling back AGAIN and them issuing me the same email address. After further investigation, I noticed that in the first email, I had spelled satisfaction incorrectly in the address. So, in theory, that explains that however, I called and stated that I couldn't get an email to go through to them and the person I talked to stated that if I emailed again they would take me to court for harassment. I responded by inquiring how they got my emails if I had gotten three separate " return to sender '' email for every address they had given me. He denied having the problem so I asked whether there were any attachments to said emails, to which he replied " yes '' and that the processing dept would review them and I would hear back in a week. 

A month elapses and I hear nothing. Having been told I would hear back in follow up but never did, I decided to call to check on the status. Calling the phone number that first called me, XXXX XXXX XXXX XXXX, I was told that the status of my account was " Refusal to Pay '' and that the company in question was in the process of drafting a subpoena for me. 

This was confusing as I had shown the company my settlement letter that had been accepted by at least ten other collections agencies, until this one.I stated as much over the phone. At this point I don't know what to do and I fear that a serious scammer has my information.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have made 3 attempts to verify my identification due to fraudulent activity on my report as well as the misuse of my information by an unknown source. I have sent proof of identity with no response or being asked repeatedly for the same information which I feel is a stall tactic at this point and its hindering me from being able to properly dispute per 15usc 1681 ( b ).
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against FRONTLINE ASSET STRATEGI, for committing identity theft. I have never given FRONTLINE ASSET STRATEGI, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with FRONTLINE ASSET STRATEGI and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving FRONTLINE ASSET STRATEGI any right to collect on this alleged debt. 

I have never received any documentation requesting validation from FRONTLINE ASSET STRATEGI, before they committed multiple violations under the FDCPA and the FCRA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If FRONTLINE ASSET STRATEGI, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it to my consumer report, this has been fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until FRONTLINE ASSET STRATEGI, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and FRONTLINE ASSET STRATEGI, continues its collection efforts, I will file for litigation for actual damages caused and FRONTLINE ASSET STRATEGI, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202F. Your prompt attention and response are both requested and required.
Product: Debt collection

I am reporting a fraudulent COLLECTIONS account that was opened in my name without my authorization. I did not apply for, open, or use this account, and I believe I am a victim of identity theft. 

Details of the Fraud : The account was opened on XX/XX/XXXX by XXXX. XXXX  The account appears on my credit report with a balance of {$460.00} that I did not incur. 
I first became aware of this fraudulent account on XXXX. XXXX. XXXX when I reviewed my credit report/received a notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX, XXXX # XXXX, Account name : XXXX XXXX, XXXX # XXXX, Account name : XXXX XXXX, XXXX # XXXX, Account name : XXXX XXXX, XXXX # XXXX. Account name : XXXX XXXX XXXX XXXX XXXX account name : XXXX XXXX # XXXX account name : XXXX XXXX, XXXX # XXXX account name : XXXX, XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case