23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Original Creditor : XXXXCurrent Credit Agency : Convergent/XXXX This Debt is XXXX years old!!!!! 
Asking for me to pay a debt but can not find my stock!!! From the periods of XX/XX/XXXX, and from XX/XX/XXXX. I had several incidences, with this bank, that put me under the suspicion, that XXXX XXXX XXXX did something that should not of happened. 
The first incidence was, when I left my job, XX/XX/XXXX after being downsized, I elected my XXXX account with this Bank. I had to sell some of my stock XX/XX/XXXX. for a personal reason. That XXXX, I was received a statement describing the remaining of stock that I had. XX/XX/XXXX I had it was sold and there was no description of where it went to. After, going through old statements, I contacted the bank XX/XX/XXXX and was told that it merged XXXX. An assistant to the Vice President XXXX XXXX XXXX XXXX XXXX, attempted to help me locate the remaining XXXX shares. Unforunately, unable to do so, and explained that I needed to get an a-sheetment from where the shares came from by calling XXXX. 
B ) The XXXX incident, was in XXXX, when a XXXX insurance policy was cancelled, due to a compromised account. 
C ) When the account was compromised by making purchases online through XXXX and XXXX. 

Convergent XXXX XXXX Bank CheckingSending for a settlement offer of $ XXXXThe same with this Bank, XXXX XXXX was compromised and I received XXXX ATM cards within 3 months! Something is wrong with this XXXX!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2021 PORTFOLIO RECOVERY or XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX Dear Sir or Madam : As of XX/XX/2021 it is still displayed on all three of my credit report files, XXXX, XXXX XXXX XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on Portfolio Recovery or known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX with a balance of {$1400.00} and another alleged account {$230.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX, Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw XXXX/XXXX  on my credit report. I called and was told that the account was closed and the message on the report states " refused to pay ''. I told them I do not remember opening this account. The agent said it is closed and even if I wanted to pay, they could not accept payment. He stated that some Wisconsin statue said it was past the limitations to collect. He said the statue will not let them collect after six years. The account was supposedly open in XX/XX/XXXX. I said it is only five years and its not mind. I disputed the account and was told I could not pay if I wanted to and it would stay on my report until XX/XX/XXXX. I am in the process of purchasing a home and this has been a total nightmare. I am a XXXX XXXX XXXX veteran and could not believe the treatment I received. I asked for something in writing and was told they could not furnish me with any documents.
Product: Credit card

1. There has been a Chase Bank error in the XXXX Credit Report of this Complainant - consisting of a failure to comply with the 7-year maximum Federal Law to timely remove a defaulted ( " charge-off '' ) credit card debt error in this complainant 's personal XXXX credit report for the credit card debt filed by Chase Bank - listed as the Chase account beginning with # XXXX. More specifically, the error is in the 7-year removal date - where XXXX has not deleted this negative from this complainant 's XXXX report after the end date of the 84th month - the date of XX/XX/XXXX in this case ( in contradiction with the facts this complainant provided in his phone call to them on XX/XX/XXXX and via Faxed documents on the same date, creating XXXX Dispute file # XXXX ). The incorrect end-timing Chase provided to Equifax is " XXXX '' - three months tardy. 

2. The specific documentation of this 1st late fee date ( of XXXX/XXXX/XXXX ) is attached to this complaint. All of the documentation for correcting this complaint error is described in a multi-page letter filed with this 3rd CFPB complaint. Also provided with that letter are a number of documents, including ( a ) the recent Complainant 's XXXX credit report page that includes this error, ( b ) copies of an XXXX Invalid Dispute reply that fails to correct their error, i.e., a reply that ignores the documentation this complainant provided that irrefutably supports this complainant 's corrections, and ( c ) copies of the creditor 's contemporaneous monthly statement postings of the 1st late fees that proves this complainant 's correction this error - using the books of the company that incurred these charges - this complainant 's employer. The attached letter also explains how these credit card debts are all company debts and that none are personal ( non-business ) charges made by this complainant. 


3. This complainant 's lost income damages are also detailed in the attached letter. In summary, these damages are {$420.00} per week-day plus, as this complainant is a victim of fraud and as such, this complainant 's state law specifies treble damages ( of {$420.00} X XXXX ) or {$1.00} per week-day. The damages resulting from the 7-year end date credit report errors began on XXXX/XXXX/XXXX in the case of this 6th CFPB complaint involving the Chase Bank credit card ending in # XXXX ( major negative ) still in this complainant 's XXXX report for approximately 3 months after that date - if not timely removed after the 7-year end date. The lost income damages are due to prospective employers of this complainant not willing to hire him, or any job applicant for a financial or security position of trust if any major negatives appear in their credit reports. As of XXXX/XXXX/XXXX, the accumulated treble damages are {$43000.00} for six weeks and four days of damages, if the CFPB chooses to assess damages in this case.
Product: Vehicle loan or lease

Monday XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX was towed due to me falling behind on my payments. 

I am self employed with XXXX children one of which is XXXX XXXX and I have had XXXX XXXX  within the last year on my service due to XXXX XXXX. I have had to be on bed rest at some point and time which did put me behind with my earnings and income. I have however regained strength enough now to work full time and continue being on time with my payments moving forward. 

XXXX XXXXXX/XX/XXXX I called kia around XXXX that morning to find out all details on the car and how i can regain repossession. I was told the balance I had to pay was {$2200.00} which was the fee for me being behind on payments as well as the fee for the towing. I immediately told them how serious this was for me to continue working and because I have kids I informed KIA MOTORS, XXXX XXXX XXXX XXXX XXXX XXXX ), as well as XXXX XXXX that I was serious about obtaining my vehicle as soon as I Could XXXX 

XXXX I exorted all my funds and borrowed {$1000.00} to pay the balance owed and attempt to get my vehicle only to be told by XXXX XXXX that my vehicle was taken to auction the day prior which was THURSDAY. I spoke to XXXX XXXX that day and he never mentioned that. 

I paid {$2200.00} to kia and my car is at XXXX XXXX  in XXXX until XX/XX/XXXX. I am very aware of the law and I know this can not be legal. I am current on my payments since I have now completely paid the balance. I have not received a bill of sales or any letter of attempt to sale my car at this auction. I am told I must pay this auction {$230.00} as well as pay for my expenses to take a trip to XXXX to obtain my vehicle which will inquire funds as well. I don't have a way or help to get to XXXX and it will be almost impossible to do so with my XXXX XXXX XXXX child. 

This has caused me a great deal or hardship and pain as I am exhausting funds using XXXX to get to where me and my kids need to go with no transportation and because I am self employed it is impossible for me to get to work destinations. I have no way to pay for my kia being at the auction. 

I am told by XXXX that kia would be able to assist with my car being brought back free of charge and that KIA motors should be responsible. I am begging for help in this matter as everyday is costing me that I can not make money. I have lost countless cleaning jobs and everyday I am spending money. Please help me. 

The damages and stress this is causing will make me become XXXX 

I have invoices everyday from XXXX when I was supposed to be able to pick up the vehicle showing that I will no longer get paid for missing those jobs. This has caused me to be behind on my rent as it is the beginning of the month. I have already received a letter to make payment or ill be taken to court for possession of the occupied apartment. 
This is not fair to me. Please help.
Product: Credit card

I was traveling in XXXX, XXXX XXXX by end of XXXX and needed to take public transportation. It was my first trip to the foreign country which was undergoing post martial law and post impeachment of the president. There are many confusing options to travel touchlessly and I selected the XXXX XXXX XXXX XXXX  as seen at XXXX XXXX XXXX I did it on their XXXX  version app to make online purchase to buy a travel pass for subway and bus. As you can see at https : XXXX, it was never disclosed to me that adding money there is treated as wire transfer/cash advance. As a matter of fact, they even chose to waive 4 % credit card transaction fee by XX/XX/XXXX. So after the very first transaction of XXXX on XX/XX/XXXX seemingly went well without any fee and a reasonable foreign currency conversion rate without any markup at {$6.00}, I took the plunge thinking the great year end deal was kind to foreign first timers. I then purchased another XXXX or {$34.00} on XX/XX/XXXX. Things went well and my bank accounts monitoring app XXXX XXXX never flagged me that there is {$10.00} x XXXX cash advance fee following these two transactions in the next 12 days. It's unfortunate that on XX/XX/XXXX that I discovered they are treated by Capital One as wire transfer and thus cash advance. This is insane. My account has a cash advance pin that I can't remember. Never in the purchase process was this pin asked by the merchant. So I would think this is an unauthorized transaction when the merchant did not disclose this key piece of info. But Capital One made it sound like there is nothing the merchant could have done and they are intent on charging me these fees that are nothing to them, but great enough to me who is living on XXXX XXXX. I have already paid off the balance instead of waiting the statement to be generated on XX/XX/XXXX, because I know the interest would be accruing on a daily basis at an exorbitant rate. This has never occurred to me in the past or any of my other credit card accounts. I am not a cash advance guy and I managed my personal finance with great attention. But I am really screwed here. I ask the CFPB to intervene because I can't seem to get thru to a Capital One supervisor who would be kind enough to fix this as a one-time courtesy. I consulted the credit card agreement and there doesn't seem to be an arbitration clause. I finally read https : XXXX and realized XXXX XXXX XXXXXXXX and some other XXXX XXXX banks also do not impose this junk fee. Many thanks for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported all 3 major credit bureaus XXXX, XXXX, and Experian that the collection from XXXX XXXX XXXX XXXX XXXX XXXX has many inaccuracies. 
Experian and XXXX account number is different form XXXX. Experian and XXXX are reporting a high balance of {$1500.00} and XXXX is reporting a high balance of {$1500.00}. Experian date of last activity is XX/XX/XXXX, XXXX date of last activity if XX/XX/XXXX and XXXX date of last activity is XX/XX/XXXX all dates are different from each credit bureau. Experian and XXXX is reporting balanced owed of {$1600.00} and XXXX is reporting balance owed of {$1600.00} all different from each bureaus and also balanced owed is higher than the high credit amount. Experian and XXXX account status is listed as closed and XXXX account status is listed as open, however when their is a collection it can not be have an open status. These inaccuracies are causing me emotional mental distress due to the fact I can not I apply for credit to make major purchases for myself without having to pay high interest due to these inaccuracies. 
XXXX XXXX XXXX XXXX Experian XXXX Account # : -- XXXX XXXX High Balance : -- {$1500.00} {$1500.00} Last Verified : -- -- -- Date of Last Activity : -- XX/XX/XXXX XX/XX/XXXX Date Reported : -- XX/XX/XXXX XX/XX/XXXX Date Opened : -- XX/XX/XXXX XX/XX/XXXX Balance Owed : -- {$1600.00} {$1600.00} Closed Date : -- -- -- Account Rating : -- Derogatory Derogatory Account Description : -- Joint Joint Dispute Status : -- Account not disputed Account disputed Creditor Type : -- Other Collection Agencies Other Collection Agencies Account Status : -- Closed Closed Payment Status : -- Collection/Chargeoff Collection/Chargeoff Creditor Remarks : -- Customer disputedaccount - reported bysubscriber. Consumer disputes thisaccount informationSubject has not satisfieddebt. 
Original Creditor : -- XXXX XXXX XXXX XXXX XXXX  Last Payment : -- -- -- Past Due Amount : -- {$0.00} {$0.00} Account Type : XXXX XXXX XXXX XXXX Account # : XXXX -- -- High Balance : {$1500.00} -- -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- -- Date Reported : XX/XX/XXXX -- -- Date Opened : XX/XX/XXXX -- -- Balance Owed : {$1600.00} -- -- Closed Date : -- -- -- Account Rating : Derogatory -- -- Account Description : Joint -- -- Dispute Status : Account not disputed -- -- Creditor Type : Collection Services -- -- Account Status : Open -- -- Payment Status : Collection/Chargeoff -- -- Creditor Remarks : Account informationdisputed by consumer, meets FCRArequirements -- -- Original Creditor : XXXX XXXX XXXX  -- -- Last Payment : -- -- -- Past Due Amount : {$0.00} -- -- Account Type : -- -- --
Product: Credit card or prepaid card

I have a Bank of America XXXX credit card. I have been making the minimum payments for a little while now, and the balance isn't really going down at all, so I decided to increase my monthly payment to something more substantial. I went to their website XXXX XXXX XXXX XXXX XXXX but the only options are A : Minimum payment due, or B : Entire balance. 

On XX/XX/2023, I spent more than an hour on support chat with a company representative to try to solve it. The representative insisted that there was a way to do it. We removed my existing autopay and tried to set it up again XXXX different times, but there still was no option to pay an arbitrary amount. My issue got escalated to someone from the XXXX XXXX XXXX XXXX XXXX and I had a call with her XX/XX/2023 ( XXXX XXXX ) and she walked me through the process twice while she also did it with her own card, and came to the same conclusion, that there is no way to schedule payments that are MORE than the minimum amount due, unless it is for the ENTIRE amount. She explained to me that they USED to have that ability, but it was presumably removed. 

I'm not sure if this is illegal, but it sure seems like it should be. It very much seems like their intention is to keep people making interest-only payments on their card, so they can keep them in a cycle of debt for as long as possible. 

My issue has not been resolved, and the suggestion from the XXXX XXXX was " Just schedule them manually ''
Product: Money transfer, virtual currency, or money service

I was working at my computer and suddenly a picture popped up and my computer was frozen and locked. I tried to contact XXXX to correct, called the number and was immediately in trouble. The person wanted information from me in order to get the computer going. Yes, signals were going off in my brain but unfortunately, I moved ahead. They were able to access my XXXX XXXX account and remove {$980.00} from it. I did not see that until the next morning. I called XXXX and they were able to freeze my account. The scammer was able to open a Western Union account in my name and send {$980.00} to someone by the name of XXXX XXXX which is not a person that I know. I had to close my checking account, change all credit cards and freeze all three credit agencies. Western Union paid the receiver ( XXXX XXXX ) the {$980.00}. Now Western Union wants me to pay them back. I can attach a letter I received from Western Union this morning. They have contacted me several times. I do not believe I owe them this money because I was not responsible for passing this money on to the receiver. They should have known this was a scam, since you can see on the letter it went to XXXX XXXX XXXX. My XXXXXXXX XXXX fraud unit told Western Union it was a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute is for the XXXX XXXX  account on my report. It reports Collection charge off when it was never charged off its all reported as a collection until recent. This account balance has been paid in full please remove from my report. Thanks
Product: Debt collection

XXXX   XXXX   & Knig ht Adjustment Bureau are collecting on the same debt at the same time and both reporting to credit. I have read several complaints about them doing this same thing to people. By law  XXXX  companies can not collect on the same debt at the same time. They are both in violation,
Product: Checking or savings account

So my chime accounts what scammed over the weekend all of a sudden today I went to use it and it was declined when I called chime they said they closed my account. Which now my money is on hold and they wont release or reopen the account.
Product: Credit card or prepaid card

The Credit Card At requires issuers to apply the excess payment portion of your credit card payment. After that, the remainder generally must be applied to the other balances in descending order, based on applicable annual percentage rate, according to the law. This is not how PNC is handling its credit card payments. PNC states in its account terms that it applies balances to purchases based on its sole discretion. I currently have 3 separate balance transfers tied to one card, each with different end dates. One promotional period ends XX/XX/XXXX, the next XX/XX/XXXX, and the remaining balance transfer promotion period ends XX/XX/XXXX. My XXXX Statement showed a balance of around {$400.00} on the oldest balance transfer due by XX/XX/XXXX. I paid {$900.00} that month and instead of applying the payment towards that oldest balance PNC is applying to the balance transfer due much later in an attempt to still charge interest on the initial balance transfer once it ends. From my understanding the payment should be applied towards the original balance transfer amount and not the newer balance transfer.
Product: Credit reporting or other personal consumer reports

Credit reporting on my credit report regarding debts that was resolved in court and bankruptcy status open and reported on my credit reports. Mass inquiries from XXXX company
Product: Checking or savings account

Checking account with Bank of America. Continued to allow withdrawals on my checking account that were not authorized, which caused numerous additional charges to my account. I went to the bank and was unable to resolve the situation after waiting 2 hours, with an appointment. I withdrew all my money and they would not allow me to close account. Now they sent a letter saying my account is closed and I owe {$600.00}. Then they mailed me a new debit card? I had to go to another bank. This is going to end up going on my credit report as a not paid account.
Product: Student loan

Navient is my loan provider, I had them directly take payments out of my XXXX account every month, however sometime in XXXX I guess they had a change in policy that they never made me aware of that they would stop sending me monthly invoices in the mail, and that the only communication from then on would be through email which I never check, so I stopped receiving invoices in the mail and something happened with the billing and I got XXXX notices of my late payment, I found out checking my credit score that went down XXXX XXXX for XXXX of their late payments, I feel this is very unfair, had I not checked my credit report id still be delinquent, I want them two remove the XXXX late payments on my credit report, I explained my situation too them but they were very rude and told me to just deal with it, also the school I attended, XXXX XXXX charged me for a whole term after I took just a few credits and said I couldn't get my money back, it all seems like a big scheme to me.
Product: Debt collection

XXXX XXXX XXXX is reporting collection accounts on my credit report when they are not authorized by having a collection agency bond in the state of NJ. I have contacted the NJ Secretary of State and  was told that there is no bond on file for XXXX XXXX XXXX. They also told me that XXXX XXXX XXXX XXXX, which is the parent company of XXXX has 2 bonds that expired on XX/XX/2018. NJ state law statutes ( N.J.S.A. 45:18 et seq. ) dictates that no person can operate a collection agency, collection bureau or collection office or engage in the business of collecting or receiving payment for others of any account, bill, or other indebtedness without having a sufficient bond on file with the Secretary of State. With this newfound information I demand that all accounts being reported to my credit be deleted IMMEDIATELY as XXXX is completely breaking NJ state law and has been doing so since XX/XX/XXXX when I disputed these accounts. 

They are reporting 9 accounts that should all be deleted. Account Numbers are below. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.