23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. This is a dispute that DEPT OF ED/ XXXX also known as Department of Education XXXX Navient is reporting late payments on my personal credit report that are inaccurate, incorrect, and false. 1 ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). The reported dates of the late payments are inaccurate. 2 ) Statute violation : FDCPA Section 809 ( a ). Verification of the late payments can't be provided when my consumer credit report doesn't reflect the accurate history and payment history. I request these late payments be deleted from my credit report as they are incorrect and unjustly damaging my credit score. This is an immediate demand that all inaccuracies being reported on my consumer credit reports must be deleted.
Product: Checking or savings account

I heard on XXXX, XX/XX/2020, that America First Credit Union would be charging $ XXXX monthly for their premium checking. 

Everyone of their account holders will be moved to that premium checking account. They stated you can call a number to opt out of the premium checking and have the normal checking, which is free. 

I haven't received an email or notification about this. 
So without XXXX I would have been left clueless as they took money. 

I feel its completely disgusting that they would force people to opt out of a paid service. Rather than encourage everyone to opt in.
Product: Credit reporting or other personal consumer reports

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 In Accordance with the Fair Credit Reporting Act This creditor has violated my rights under 15 USC 1681 Section 602 States I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Which they have never done which is a violation of my rights, legaly it is not supposed to be there.
Product: Credit reporting

It just hit me yesterday, XXXX posted a late payment notice on all credit reporting agencies. Not true. I 've paid them autopay for 32 years. Had a problem with XXXX XXXX, XXXX, XXXX on or about XXXX XXXX, 2015. I paid estimate and then cancelled due to a problem. I never used them to move me from FL to AL. 
The movers finally settled and I have the legal document they signed XXXX/XXXX/15 ; I signed on XXXX/XXXX/15 and sent copies to all executives at XXXX in IL and their Dispute Center and no one every confirmed receipt. About one month later I have a printout that shows XXXX transactions for {$1400.00} and {$540.00} ( XX/XX/XXXX, XX/XX/XXXX ) were REPOSTED again by XXXX -- there are XXXX some kind of ID # XXXX that probably would identify who these people are that REPOSTED the XXXX items, but it 's obvious to me that XXXX XXXX who says he 's in the President 's Office has n't even attempted to look into what I told him when he lied to me that the Alabama Attorney 's General did not give him enough information in their letter. I received a copy of that letter the next day and all the information was in it that I gave them. XXXX XXXX takes information from previous messages back and forth I had with their Dispute and Corporate Inquiry Departments. Desa of XXXX Dispute told me to stop sending messages!!!!!!! 

I have XXXXXXXXXXXX who say they work for the US government on debt collections reviewing my case and am awaiting the results this week. 

When I thought all was okay again, I made some purchases, but when I saw those reposts I panicked but even with the purchases I made they still owe me a refund of approximately {$250.00} plus {$50.00} cash back. I think all the employees at XXXX was passing the buck. There was one gal XXXX who seemed like she wanted to help me -- said she 'd call the next day at XXXX XXXX and never did call!!!!!!!!!! She 's the one that alerted me to the fact the charges were not authorized by me. I call that fraud!!!!! 

I 've been in XXXX treatment in XXXX and XXXX for a year now and have endured the stress and anxiety of wanting to go home to XXXX and I ca n't go to buy a home because XXXX has done this cruel thing to me. 

I 've also been abandoned by my son and I live in a very desolate area on a lake, no neighbors, asked for help from every agency I know and got nothing. 
I will survive being a recent widow on top of everything else.
Product: Credit card or prepaid card

This is about the American Express ( The XXXX XXXX Card ).  This is probably the card that I owned for the least period time ( a  year or so and currently already terminated ). I only used it a few times ( probably less than 10 times ). I have called their customer service many many times for the recent at least 6 months. 

It started with somehow they would n't let you set up auto pay while gave you wrong information that let you believed the auto pay was set up successfully. You did n't pay attention, thought everything was all set. When you finally found it out, it was too late and they already charged you for the late fees and interests and kept accumulating. Then you called them back and had them resolved the issue ( you were told ), but they did nothing actually. However they were telling you that they waived your fee and again helped you set up the auto pay - all set was told. Meanwhile, they kept charging you cumulatively. After so many contacts of their customer service, I finally paid the fees and thought this headache was gone ... but found they were still charging you. Called again many times, one time were told the supervisor would call me back in 24 hours ... never did. the last time were told again this was resolved and the fees were all removed ( XX/XX/XXXX ). Then the bill came again .... I called back today ( XX/XX/XXXX ) with the customer service representative 's name and id who I spoke with last time and who told me it was all resolved with fees all removed. Only were told there was no record of this calling!!! Then again telling me they will have supervisor review the case and call me back. When asked for time frame, I was told it could be days, weeks, months or years. Basically no time frame they could provide. My credit score were 800+ ( not sure because of them if I lost any points ). I never had any problems with any other credit card companies except American Express. The current amount they 're charging me is {$79.00}. Even though it is not a big amount but it 's very wrong!! And, I did pay them fees and interest once already even though I do n't believe I should be charged for that. Because I just did n't want to deal with this anymore, But it was not successful to stop them charging me even more. This is become a torture to me.
Product: Payday loan, title loan, or personal loan

An outside company keeps calling me and threatening me. They said if I don't pay back XXXX today, XXXX in 3 monthly installments or XXXX in 18 months then they will pursue legal action against me and I will have to pay them XXXX. They have called human resources, my number and other numbers at my job to employees that I don't even know and leaving messages. There number is XXXX Ref # XXXX. They are an outside agency that has bought my file. I have asked them to stop calling my job and they keep doing it. I got the loan back in XX/XX/XXXX or XX/XX/XXXX and was struggling to pay it back. This is very stressful and a hardship at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Apparently someone with a similar name to mine filed bankruptcy in the XXXX XXXX XXXX Alabama, and it appeared on my credit report. Through the dispute system I recently filed a dispute stating that someone with similar name had filed this public record and it was not mine. Unfortunately, it came back verified and it is still listed on my credit report. Frustrated I decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases.
Product: Checking or savings account

I deposited a check a week ago ( I dont have the exact date because I dont have access to my account ) for XXXX as a gift from someone. I was suspicious that it might not be a valid check so I took the necessary steps and called bank of america. In the phone call, I asked a bunch of questions to verify that the check was valid and real. The man on the phone was very lax and said that the check seemed like it was fine and that I wouldnt be penalized if the check bounced for some reason. Boa closed my account without any warning, and this was my only offense in the time that Ive had access to this account, about XXXX  years now i believe. I called today twice and was not able to get any information. she kept asking if i needed help with anything, and each time i said i did she proceeded to tell me there was absolutely nothing i could do, including going to the bank in person and proving exactly what happened step by step, as i have an extensive XXXX XXXX and a phone call proving my innocence. The woman told me that nobody had access to the call, despite it being recorded and monitored. This was my only card and left me in an emergency situation with absolutely no money accessible to me. It cant be fair that I was penalized when I literally asked if I would be and was then told by a representative that I would not be and I believe I have a case
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I noticed on my credit report, a charge for {$39.00} from XXXX XXXX XXXX, without any notice. I never received any letters from XXXX  or XXXX XXXX XXXX. 
I called the company offering to pay the balance right away and requested it to be removed from the credit beareus. I was told all I can do is pay and I would get a paid in full letter. Then, I can file a dispute but nothing would be guaranteed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax updated my credit raised my score 117 points after not theorizing since XX/XX/2020 - then days later took another drop 107 for no reason! They are hurting my credit reporting and still showing unauthorized inquires. Also inaccurate account information. Dropping my score after fixing it is ridiculous! Illegal.
Product: Debt collection

This is my third time filing a complaint with the Consumer Financial Protection bureau I have not received any response from this entity of Government as suggested from a response from the state of ohio attorney generals office I am submitting a final complaint before further actions are taken Ocwen Loan servicing C/O XXXX XXXX foreclosed on my property illegally. XXXX County Court has been a party to these illegal seizures of property for years because XXXX County officers of the court sold tax certificates to Companies that were not legal transfers because fiduciary issues of law were violated and the documents of applications to buy and sell the tax certificates were not legalized by the SEC. I and several other homeowners will be initiating a class action lawsuit against The State of Ohio, XXXX County and The ConsumerFinancial Protection Bureau for Conspiracy to commit Financial Fraud headline news The Big Banks are robbing consumers like XXXX XXXX
Product: Checking or savings account

I disputed a {$350.00} charge on my account with XXXX XXXX XXXX  because I paid for a marketing service. The service I signed up for was through the company 's CFO named XXXX XXXX. The company 's marketing program that I paid for advertised that they would provide marketing recognition and name recognition for my business and those services were not rendered. The service with XXXX XXXX XXXX was for {$350.00} and was paid for in Mid XXXX. As months went by, I corresponded with them to see when my marketing services were to be rendered and they said they were working on it. I never received my services after several months of correspondence, so I called Chase to dispute the {$350.00} charge. On XX/XX/17, my temporary credit was reversed and I was re-charged the {$350.00} despite me telling Chase Bank that I did not receive the services I paid for. I spoke to a woman named XXXX, and a man named XXXX at Chase over the phone. XXXX told me that even though I did not receive the services I paid for, there was nothing they can do to refund my {$350.00} because I was supposedly supposed to dispute my charges within 120 days of the service. I disputed these charges outside of the 120 window by 9 days, and XXXX said there is nothing they can do. He was rude, condescending and not helpful. When I first disputed this charge with XXXX, it was not disclosed to me that I would forfeit this temporary credit and I was not advised of the 120 day window. If this was the case, I should have been notified that making such a dispute would be for no good reason. I need to be refunded {$350.00} for the services that I never received from XXXX XXXX XXXX. To this day, XXXX XXXX XXXX has not responded to my persistent requests for an update on when my marketing services would begin. This is fraudulent and unfair business practices, and frankly, theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts on my XXXX, XXXX and XXXX credit file that I do not recognize, the accounts are showing as discharged in bankruptcy but the problem is that I never had accounts with these companies called XXXX XXXX and XXXX XXXX, there is no phone number being reported and it says that the accounts were opened in XXXX and XXXX. I have disputed these accounts with all three credit bureaus and for some reason they told me that the accounts was verified as accurate. I know this cant be right because like I said I never had an accounts with these companies. I asked all three credit bureaus for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes.
Product: Checking or savings account

I joined XXXX XXXXXXXX XXXX  XXXX, MI about XXXX  years ago. I signed a one-year contract for XXXX a month. When the year was up the contract then became a month-to-month agreement. I only used the gym 3-4 times in total due to the distance from my home. Once my year contract was up, I attempted several times to cancel my month-to-month membership. I contacted XXXX  XXXX XXXX  XXXX, MI requesting a cancelation and was told I needed to contact XXXX XXXX XXXX. I was given a number that I promptly called to cancel and was not able to reach anyone. I tried several more times and all I ever got was an automated recording. After several failed attempts to contact XXXX XXXX XXXX I reached out to XXXX XXXX again. This continued over a period of about 3 years. When I was finally able to reach someone at XXXX XXXX XXXX XXXX I asked them to please cancel my membership. I was then instructed to send an email with my request, and I was assured my membership would be cancelled in 30 days and that I would not be charged any further. I feel their business practices are designed to make it very difficult to cancel your membership so they can continue to auto debit your account. I filed a complaint with BBB and I requested a refund for the months beyond my one year contract and this request was denied. The response I received stated I was responsible for following certain steps to cancel my membership, which I completed some time ago. Today I looked at my bank statement only to find that they are still auto debiting my checking account despite the fact that I made several calls requesting a cancelation, sent a request in writing, and filed a complaint with the BBB, which they responded to. Clearly this business feels they are above the law and the consumer has no rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent my letter off on XXXX and XXXX. I told the credit bureaus to investigate every piece of information on the accounts i have listed below. Also i have attached the letter i sent out and here is the tracking # XXXX. ) XXXX, XXXX. ) XXXX, XXXX. ) XXXX According to the FCRA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these account are still not reporting 100 % Accurate. and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. i have the credit report showing the inaccuracies Accounts # XXXX XXXX, # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, # XXXX, # XXXX XXXX, # XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX AES and XXXX XXXX put on my credit report information they werent supposed too under the current situation.
Product: Credit card or prepaid card

I have fraudulent charges due to identity theft that Capital One refuses to remove and closed my accounts after i submitted a dispute, ruining my credit
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint 181555288 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

As per the guidance from the XXXX XXXX XXXX ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 

Account XXXX : XXXX. XXXX, XXXX Account Number : XXXX Account Name : XXXX, XXXX Account Number : XXXX Account Name : XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

While being XXXX to help out with Hurricane Harvey. I wasnt getting paid as much since we were under state orders. Also since I was on military leave from my job I wasnt getting paid as much at all. I relayed this to the finance company everytime. They knew I was XXXX and I relayed to them that I was protected under the sailors and soldiers act. They sent correspondence to my house saying they looked up some database, that shows if youre XXXX or not. I continued to tell them they couldnt pull information like that. After picking up the vehicle, I never received any correspondence of how much they sold the vehicle for, or anything after the vehicle was picked up. I just received a bad derogatory mark on my credit report showing an amount from not even possible after having the vehicle for 5 years, and only 2 more years left to pay. This account reported has too many inaccuracies.
Product: Credit card or prepaid card

I was unable to make my payments on time for my Capital One credit card due to a job loss. My job ended for a 90 period in XX/XX/2018 due to the rules of the company I was working for. It was intended that I would o back to work in XX/XX/2018. When this happened I informed Capital One that I may have some issues in making my monthly payments but would be back on track and pay any past due amounts as soon as I was back to work. I kept in communication with Capital One the entire time with updates. In XX/XX/2018, I was informed that the job I was slated to go back to was delayed until XX/XX/2018. I informed Capital One. I was informed on XX/XX/2018 that the job I was slated to go back to was no longer available to go back to. I informed Capital One again and even made a {$300.00} payment on XX/XX/2018 to pay all past due amounts and get the account current. I began searching for work and informed Capital One that I would not be able to make monthly payments until I found work. I found work in XX/XX/2018 and paid all past due amounts as well my current XXXX payment with a payment of {$330.00} on XX/XX/2018. I made an additional payment on XX/XX/2018 of {$87.00} to cover my XXXX monthly payment only to find that my credit card was placed in a restricted status by Capital One. I called and spoke to representatives at Capital One beginning on XX/XX/2018 to find out why my card was restricted when I had everything paid up to date and to have the restriction lifted. I was told by Capital One that my card was restricted because back in XX/XX/2018 my account had become 120 days delinquent. When I made the XX/XX/XXXX payment of {$300.00} I was offered a program to have the restriction lifted. The rules of the program were that I would have to make 3 consecutive on time payments to have the restriction lifted. I was NEVER informed of this program or it's rules and was done without my agreement because at that time I didn't have a job and therefore could never commit to making on time payments. I was also informed that this program started in XX/XX/2018. Capital One also informed me that they would not lift the restriction because I was placed in a program and did not adhere to the rules of making 3 consecutive on time payments. The issue is that Capital One refuses to lift the restriction on my credit card because I did not adhere to the rules of a program that I was never notified I was in. They claim they sent me a letter on XX/XX/2018 but the letter was never received by me. They claim that the letter would have also been online when I went to my account and to this day there are no documents online. I am basically being punished for breaking rules of a program I was fraudulently placed in to begin with and that is wrong on all levels.