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

I got a TJX mastercard while shopping at a department store, and I expected to receive a bill within the next month, but the bill never came. I started receiving some strange calls from a debt collection agency, but I ignored them because I thought that they were phising calls. I eventually picked up the phone one time and they threatened me that they would destroy my credit score, and put me in jail, and ... so much more.

I asked them what that was all about and they told me that I had not paid my credit card with TJX. I called the customer service on the back of the card to verify their story, and indeed they had sent the account to a collection agency. I told them that I never received a bill, and after several attempts and talking to several managers, they told me that they would remove the late fees, and they sent me a new bill.

I paid the credit card balance for my TJX Rewards Platinum Mastercard through my credit union back on XX/XX/2018, but I kept receiving calls from a debt collection agency with threatening messages, and tone. I called TJX to ask them what this was all about, and they told me that they had never received my payment. I told them that I would check with my credit union and get back to them. I contacted my credit union and they provided me with a copy of the check that they sent to TJX on XX/XX/XXXX, and their records show that the check Cleared ( on XX/XX/2018 ) I called the company back and gave them this information, but they kept telling me that " there is nothing that they can do till they receive my payment ''. I spoke to a manager at some point who gave me a fax number where I could fax they proof of payment from my financial institution ( fax # XXXX ). I faxed the information, and two days later I called to find out if they had received my fax, but they had not. I faxed it again, but then I received another one of those threatening phone calls. I called back to them and asked them when will these call stop? and when is my credit score be restored? ( plus remove the fine that they had added on top of the amount that they still display on my account ). They told me that the account might take two to three cycles to clear if and when they receive my fax with the proof of payment. At this point I don't know what else to do to verify that they have received my proof of payment, to stop the harassing phone calls, and to clear my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am un essential worker affected by Covid 19 pandemic I was very sick not able to work, speak and eat for several time, My wife contacted credit card banks on my name by phone on XXXX XXXX requesting help with payments assistance with my auto loans and credit card payments because COVID 19 pandemic effected me. Home mortgage and auto loans banks and credit cards creditors help me with this request and agree to put my accounts of a DEFERMENT plan FOR 3 MONTHS I was happy with this. BEFORE BEEN INFECTED WITH COVID 19 I NEVER WERE LATE ON MY PAYMENTS I HAVE 100 % ON TIME PAYMENTS RECORD. all my family got infected with this terrible virus our economical situation was very bad we only can be thinking in how to fill better to return at work nothing more. 
Later I found a very unexpected notice my credit cards. XXXX XXXX, XXXX XXXX XXXX AND BARCLY**XXXX THIS THREE BANKS reported late payments on my credit reports Missing payments on XXXX, XXXX and XXXX I mailed several dispute letter to credit report agencies XXXX, XXXX, XXXX  and to my creditor but they don't want to correct this wrong information they want me to prove them when I called to request help how can I prove it do I have to record every calls? AT THIS TIME I PAID ALL MY LATE PAYMENTS I AM NOT BEHIND I just want to update my account same status It was before differed payments plan I KNOW I am protected by CARES ACT I LOOSE A VERY GOOD JOB OPORTUNITY BECAUSE THIS WRONG MARKS ON MY CREDIT REPORTS I am looking for legal advice to move this to a court room if this banks don't correct this in 30 days. 
Thanks
Product: Payday loan, title loan, personal loan, or advance loan

These loans are way too high of an interest and the loan never seems to go down. The company makes it hard to take the account off of autopay
Product: Money transfer, virtual currency, or money service

I use Direct Pay Service from Wells Fargo Bank to pay my workers. Wells Fargo is supposed to verify the routing number and the account number of the payee that they are valid and that they match payee 's name, as it has been done in other occasions that they caught any wrong information entered before executing the transfer. They failed to do that for 2 times and the funds were transfer to somebody else. The routing number entered by me was for XXXXXXXX XXXX  and the account number was a Wells Fargo account, so the transfer should have not been executed due to the discrepancy. 
Direct Transfers in dispute : XX/XX/year> {$960.00} XXXX XXXX XX/XX/year> {$230.00} XXXX XXXX I contacted Wells Fargo Direct Pay Department to get this fixed and get the transfer reversed but they refuse to help me.
Product: Credit reporting or other personal consumer reports

I have spoken to American Express the last year and to this date on my credit card they have failed to report the last 7 years to the credit Bureau XXXX XXXX. Additional names used for me are XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. i have only had my credit cards in XXXX, TN and XXXX, GA XXXX, XXXX and XXXX. 

At this time, the XXXX report is Reporting under XXXX XXXX XXXX and the File number is XXXX. XXXX ex is only reporting from XX/XX/XXXX to present day and failed to report the amount of my payments for the month as well. I need all my payments reported as this is my main credit card that I always use and it needs to go back 7 years from when I first asked them to send it and correct it. The police report number is XXXX XXXX and cell XXXX. His name is XXXX XXXX. Please correct XXXX and get my score and credit report to me as my records remain mixed up with XXXX XXXX XXXX. I will be unavailable from XX/XX/XXXX until XXXX, XXXX with no access to email, phone or other. 

I need a phone call with the contact information for the executive offices as well as a mailed copy by US Mail with complete contact information.
Product: Credit reporting or other personal consumer reports

Experian has violated my rights as a consumer for too long which has increased my stress levels to unhealthy measures because I have disputed unverifiable and inaccurate information a few different times already. Experian is not acknowledging or attempting to fix any errors which has become extremely problematic for me because I am not able to be approved for housing for my family and I. I disputed the accuracy of this account because the date of last activity is inaccurate, the date of last payment is inaccurate and now Experian is refusing to mark this account ( XXXX ) as being disputed which is also another violation of my rights according to the FCRA. My letters were received on XX/XX/2023 and XX/XX/2023. I have attached my previous letters along with the receipts and new credit report showing these inaccuracies still being reported along with showing how Experian failed to mark this account as disputed within 30 days of my original letter ( s ).
Product: Credit card or prepaid card

There was a fraudulent charge on my credit card that is with Bank of America on XX/XX/2023 from a company called XXXX and I reported this on the same date at around midnight. I was made aware about this fraudulent charge through Bank of America 's security system that alerted me of suspiscious charges on XX/XX/2023 The card was locked and disabled. On XX/XX/XXXX, I contacted Bank of America both through phone and in person to dispute this charge and they told me it would take about 108 days to resolve. I ordered a new card on the same date and a new debit card just in case this was a security breach, even though Bank of America insists that the credit card information was stolen via a swipe machine. I also made attempts to contact XXXX about the charge, but both their phone number and email are automated to demand the contacter make an account through their website to even talk to someone and their address is a mailing address to a po box , and not a headquarters address. I have attempted to contact Bank of America about filing a police report but have been unable to get in contact with the fraud department and they expect me to pay for the fraudulent charge, as they now include it as a balance. Bank of America has failed to keep my information secured, has done poorly in responding to communications, and even went as far as to try making me pay for it with the threat of reoccuring balance charges. I am in the process of seeking a new bank to deposit my check and intend to shut down my bank of america account indefinitely.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The banks are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I borrowed some money to pay for my loan students balance with Navient. I was given a pay off amount of XXXX a check for that amount was sent to pay off my balance. The check was received and cash on XX/XX/2018. The balance never cleared from the XXXX, XXXX until XX/XX/XXXX. I kept calling the company wondering why the balance still the same, they kept telling me that the check was not sent to them and probably was sent to the wrong address. I called the bank that issued the check and said that check was received and cashed on XX/XX/2018. I sent a copy of cashed check provided by the bank the week of XX/XX/2018. I called again and said to the person who answered the call that why the check was cashed if it went to the wrong address, kept blaming me and said if you send the check to the wrong address. I said i sent the check to address provided on the website that say it is for borrowers only. today XX/XX/2018 i checked Navient 's balance and there is a balance of {$170.00} i called right away and asked for an explanation, i spoke with XXXX ( XXXX ) and he said that that was the interest that i owed from the time of XX/XX/XXXX to now, but the check that i sent with the pay off balance amount was cashed on XX/XX/2018. I can not pay interest on a money that i did not owe. If the check i sent was cashed on XX/XX/18 by Navient why I still owe money four weeks later after sending the payment?
Product: Checking or savings account

I filed a dispute with NFCU about a charge from a bar in XXXX called XXXX XXXX. When I was leaving I went to pick up my card and pay my bill in cash and was told my bill was over {$400.00} to which I immediately told them they had the wrong tab as I only had 2 XXXX XXXX, a vodka soda, and a hookah. They reviewed and I ended up paying {$80.00} in cash which included the cost of drinks, hookah, and a tip. I was NEVER given a receipt but I was given my credit card back and they said it wouldnt be charged. Later on I saw that I was in fact charged to my card and I waited to see if it was an error that would fall off but it never did and posted to my account, so i filed the charge back with NFCU. The provisional credit was given and when I made the claim NFCU asked if I had any documentation I wanted to send over to which I explained I didnt as I wasn't given any receipt for the cash payment i paid and I didn't have a credit card receipt because I was told it wasn't ever charged and i never signed for anything. XX/XX/XXXX my account was redebited for the amount and I had to file an appeal because I was told that the merchant came back and said that the services were valid. Today XX/XX/XXXX I received a response to my appeal which stated that they wouldnt reopen the case unless i provided a sales receipt so I called the bank directly and was told that the case was closed initially because i didn't provide documentation and that they didn't contact the merchant. So not only did they lie but they failed to followed Federal guidelines as per Reg. E when it comes to unauthorized charges. I asked for copies of all documentation used in determining the charges were valid and was told they didn't have any because they didn't contact the merchant. The merchant can't provide any documentation because they dont have anything from me signed because they gave my card back and I never signed for any receipts! This is completely outrageous. The merchant is committing theft and the bank is a in violation of federal regulation. I want my money back to my account within 72 hours or this will be escalated legally..
Product: Debt collection

I was unfairly delt to a collection firm for from a insurance company progressive that I cancelled and payed my remaining balance and I have below my documents from paying them for the remainder of my insurance below.
Product: Credit card or prepaid card

At the beginning of XX/XX/2017 I got a phone call from a company that I thought was my timeshare, claiming I owed {$6200.00}. I then paid them on my chase credit card # XXXX. At the time I was dealing with my son being deathly ill and wasn't paying too much attention to my bills. After a few months I realized this was not my timeshare that called me but instead was a company trying to scam me in the timeshare industry. So my friend helped me contact my chase card and we let them know that I was lied to and taken advantage of. Then, chase credited me back my money. I then asked chase to issue me a check for the money and then closed my account. I was very happy. Two months later, Chase contacted me stating that they wanted the money back which I feel is completely unfair and I should not have to pay. What kind of card company would do that to their customer? I am very upset with this situation and I feel as though I am being taken advantage of once again. I do not feel like I am liable to pay something that I should never have been charged for in the first place. I am elderly and do not agree with how I am being treated as a senior citizen.
Product: Payday loan, title loan, personal loan, or advance loan

" Absurd Customer Service Response Time '' I have been an Afterpay user for more than a year and it's more than fair to state that I have been responsible with my repayments as reflected in my spending limit. It might have not been perfect but it's quite stellar. On XX/XX/2023, I have reached out to Afterpay stating that my privacy has been compromised and I needed to cancel/freeze and shall be issued with new bank cards for at least 7 to 10 business days, thus, asking them to move my payment dues.. Unexpectedly, no one was responding after 24 hours, after 2 days, after 4 days and even if I e mailed them separately, nobody was there to attend my concern. There is not even a phone hotline for faster response which is absolutely ridiculous. My dues became late and I started piling more and more messages to them, and to no avail. I even used one card of mine even if i was advised to never use any of them until all has been fixed, just because I was too paranoid to even have a few days late in payment. Until a week after, someone responded, screened me and responded back again after a day and even though I have already mentioned and reiterated the important concerns I have, agent XXXX seemed to be more concerned of their policy than catering a need to a customer who has been waiting for more than a week. The agent stated to the effect of, " they could not do anything about the past due arrangements or to move payments because basically, it's already in the past and they just responded ''. Which to me is horrifying. I'm not certain if XXXX has been trained or she's the only customer service agent under Afterpay 's wing. It's also noteworthy that this complaint is not new at all, I have read numerous concerns all over the internet and filings submitted to FTC as well. It is indeed my responsibility to take care of my dues and I am not even demanding to cancel them or write them off, what I was asking is for someone to consider the situation as it is also stipulated in your guidelines about experiencing cancelled cards. Nobody handled it and my spending limit has now reached to XXXX. XXXX did not even move any payments for tomorrow since my request covered up to 10 business days.
Product: Checking or savings account

Chase bank has a tool called XXXX XXXX  where you can send a link to your clients for debit or credit card payments. In my case, my construction company completed a lighting installation job in a warehouse for a total invoice of about {$30000.00}. I agreed with my client to receive multiple payments over time. The first transaction, {$7000.00}, went smoothly using Chase 's tool. However, WePay blocked my account for the second payment. I contacted the bank, and they advised me to appeal the decision via email. After providing invoices, email conversations, company documents, and social media details, they unblocked my account. 

Initially, I thought it was a security measure due to fraud suspicions, so when they unblocked me, I assumed everything was clear. To my surprise, when I attempted another transaction, they blocked me again. Not only that, but they also kept the {$10000.00}, which my client and I no longer have. Bank agents are unable to assist, impacting my business and payment obligations.
Product: Credit reporting or other personal consumer reports

The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.Account name : # XXXX, has violated my rights. I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 1 5 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a concumer an itam of the infnrmatinn ie folnd toconsumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting or other personal consumer reports

This message is in response to CFPB complaint number XXXX concerning the inaccurate reporting of the XXXX XXXX account on my credit report. 

XXXX response claims that this account was verified, yet no specific verification method was provided. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), credit bureaus are required to conduct a reasonable investigation and clearly explain their verification process. A vague statement of verification, without transparency on the method used, does not meet the requirements set forth in the FCRA. 

Please note : I have attached the original dispute letter, which was sent over a year ago in XX/XX/year>, as well as evidence showing that my personal information was compromised in a data breach. 
According to FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I am requesting the removal of this account within 4 days, as the compromised data directly impacts the accuracy and legitimacy of any information associated with my account. 
If I do not receive a satisfactory response, including details of the exact verification process and the removal of this account per the FCRA guidelines, I will pursue additional legal action for non-compliance.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$0.00} - Chargeoff
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of aggravated identity theft, On XX/XX/2022 I have submitted the supporting documentation that the credit Bureaus asked of me certified mail the account was then removed then Re-Inserted without properly notification. Since then I've been constantly disputing this account and going back and forth with the creditor as well and still remains after asking for and not receiving verifiable proof with my signature on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report. I already sent report to FTC with FTC report # XXXX. Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX XXXX  XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$590.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$150.00} ; MEDICAL XXXX Balance {$690.00} ; MEDICAL XXXX Balance {$3300.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.