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

I have a  XXXX   XXXX   XXXX  retail card issued by  TD Bank.  I was talked into taking advantage of the  6months no in terest a sofa i was interested. Purchased sofa  XXXX / XXXX / XXXX . Continued to make monthly payments until paying off balance on the website  XXXX / XXXX / XXXX . Seeing the website showed a zero balance, I assumed this balance was paid in full. I continued to receive emails of statements however i did n't think i had any reason to concern myself with the raymour account any longer.  XXXX   XXXX , i received an out of the ordinary letter in the mail telling me my account was past due and there was a {$260.00} balance that has been gaining interest and late fees since  XXXX / XXXX / XXXX .     I immediately called the  TD Retail  division that handles these types of accounts and asked for an explanation as to what had happened. After some investigation i was told my last  XXXX  bill was officially due on  XXXX / XXXX / XXXX  - I had paid the entire balance  XXXX / XXXX / XXXX  and there was changed aprox {$150.00} in accrued interest unbeknownst to me. The {$150.00} was n't charged to my account until the  XXXX  billing cycle. Having not being aware of this  TD Bank   XXXX   car d was no longer on my radar of monthly bills. The CS representative also explained to me the y TD is not oblig ated call customers with outstanding balances. I however found this outrageously deceptive and asked to speak to her supervisor because now i was n't so worried about the outstanding balance, I have cultivated excellent credit rating and now feared any marks against my credit. Having to wait 3 days for supervisor to call, i was in a meeting when he called and had to call back. I called back rou ghly 30minutes later and asked to speak w/ him as i was returning his call back. The representative wouldnt put him on the call and she was playing the part of a proxy to mediate this outcome. She told me they would take off 3 of the late charges however it the marks against my credit will stay. I had no   choice but to pay the remainder of the bill, and hopefully through you and dealing w/ the  credit score comp anies, transunion and equafax hopefully i can straighten this out. My credit went from  XXXX  to below  XXXX . In my opinion this is very deceptive business operations.   XXXX   XXXX   emails me almost weekly snapshots of my balance, and or any new charges to my account. Why wouldnt a credit card company that would see an account is in past due, not call the customer and follow up? Why would they be shady by telling me they are not obligated to practice such business?  XXXX / XXXX / XXXX  promotion ended - i paid  in 6days apparently late and now my credit is in shambles. This doesnt seem ethical.  Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent certified letter on XX/XX/XXXX to credit bureau to remove fradulent inquiries from credit report but they were not removed. 
XXXX A XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Consumer Loan

Conn 's Credit Corporation refuses to honor contract they wrote and entered into with me on XXXX XXXX, XXXX. I have made all required payments under this contract with Conn 's as agreed. However, the company is causing harm to me by repeatedly reporting my account as past due to the credit bureaus, threatening legal action, and refusing to honor my requests for a full accounting of all payments I have made to them since the establishment of this new contract. I have made all payments using cashier 's checks or money orders and I sent the payments via USPS with tracking numbers, so I could verify receipt of the payments. I have already written the company twice regarding this situation ( XXXX XXXX & XXXX XXXX ) asking them to update my account with them and correct their credit reporting. When I initiated a online dispute with XXXX earlier this year, stating that the account number about which Conn 's is reporting is a closed/invalid account, they upheld the fraudulent reporting by Conn 's. I am sending another letter today to Conn 's and all XXXX credit bureaus to request the correction of this information immediately. I received XXXX letters from local attorneys in XXXX offering to represent me in a civil lawsuit allegedly filed by Conn 's. The letters indicated that Conn 's filed a civil lawsuit in the XXXX XXXX XXXX Court of XXXX County, Texas on XXXX XXXX, XXXX. To date, I have not been served by Conn 's or received any official notification of this lawsuit and it appears the filing was a threat or scare tactic to harass and intimidate me. The entire matter has taken a toll on me personally, financially, and professionally. Despite my efforts to pay my debts in a timely manner, my credit scores have fallen to a point that makes it difficult for me to refinance current debt, provided greater financial assistance to my family, seek greater professional employment, and Conn 's refusal to provide the account information I have requested has caused levels of stress that are affecting me physically as well. I have maintained records of my payments and copies of the correspondence sent to Conn 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Equifax must remove and delete the false reporting by XXXX XXXX XXXX opened XXXX/XXXX/2032. I have disputed this account directly and this error has not been removed, this is not my account and I have had identify theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$95.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1000.00}
Product: Credit card

I was having trouble making my payments, So I was offered a payment plan in the app. I have fulfilled my first payment of the payment plan, but still charged the late fee and told us its because I did not make the minimum payment on the account. If youre going to have someone on a payment plan, you should not still be expecting them to make the minimum payment on the account. Still charging late fees while theyre making payments on a payment plan seems very predatory. I would like to review the terms and conditions because that was not the original payment plan that I agreed to.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian and XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) by continuously misreporting my XXXX  XXXX account as a current charge-off each month, despite the account being charged off over six years ago. This ongoing misrepresentation is artificially suppressing my credit score and leading to repeated denials when I apply for credit.

Background of the Issue : The account was opened in XXXX. 
I entered a payment agreement on XX/XX/XXXX ( see attached documentation ).

Due to financial hardship, I was only able to maintain the payment plan for four months.

The account was charged off on XX/XX/XXXX. 
Despite the charge-off date, XXXX XXXX has continued reporting the account as a current charge-off every month, which is inaccurate and misleading.

FCRA Violations : Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : Furnishers of credit information must not report inaccurate or misleading information. XXXX XXXX is re-aging the charge-off by continuing to update the account monthly, which is unlawful.

Violation of 15 U.S.C. 1681c ( a ) ( 4 ) : The FCRA limits the reporting of derogatory information to seven years from the original delinquency date. However, XXXX XXXX and Experian have been updating this account as a recent charge-off, making it appear as if the delinquency is ongoing.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit report act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, excepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or mend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

On Friday XX/XX/XXXX, I deposited a business check into my business account for XXXX. They placed a hold on the check due to the large amount. They said XXXX would be available on Monday XX/XX/XXXX, and the remainder on the XXXX. I called on the XXXX and customer service told me they were holding the check until the XXXX, and all funds would be released at that time. I argued and argued with them. I had it in writing ( my receipt from the deposit, email notification and online banking ) about the amounts and specifics of the check being released. Customer service kept saying there was nothing they could do, I was given wrong information and to wait until the XXXX. I discovered the banker deposited my business check into personal account. This has happened now 2 times and costs me thousands of dollars and there's nothing Bank of America is willing to do about it. I'm a small business and this has severely hurt me. I have outstanding banking history. I don't have overdrafts or issues other then Bank of America 's incorrect handling of my funds. Upon uploading documents I found a letter stating " due to check errors the check won't be available until the XXXX! ''
Product: Debt collection

Not sure what kind of service I received requested information and never obtain it. Asked agency to provide Original contract with my signature.

Full history from the original creditor Name and address of the original creditor Contract that the have been assign to collect Or proff of debit purchase. Never received this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove the inquiry from my credit file. XXXX XX/XX/2020
Product: Checking or savings account

This started back in XXXX. I joined Ally Bank because I was told they were a good bank. However I found out this was not the case. During my time with Ally Bank, a colleague of mine sent me an ACH transfer of {$50000.00} on XX/XX/2024. I needed to transfer to {$50000.00} to another account of mine that was for personal medical issues. When I tried to transfer the {$50000.00}, the website stated I can only do {$25000.00} at a time. So I did I transferred the first {$25000.00} and it went through with no problems whatsoever. When I try to send the second {$25000.00}, suddenly Ally Bank locked my account. So I decided to call them. I kept getting the runaround from every person I talk to even from the fraud investigators. They told me that the {$25000.00} was flagged as fraud which was not true because that {$25000.00} came from the same account as the first XXXX and that was not flag for fraud. The second {$25000.00} had the same information as the first {$25000.00}. After weeks after months of talking to people they finally said that they were closing my account with for no reason whatsoever. Their excuse was that they think it was fraud which it was not. So I asked them where is the second {$25000.00} that was in that account in my account. They said that they were going to send it back to the person that sent it to me. It has been weeks and the person that sent me the {$25000.00} still has not gotten her money back. She's gone to her bank and they have told her that the money has not shown up. I need to know where the {$25000.00} is.
Product: Debt collection

To Whom It May Concern, I have a collection account on my XXXX, XXXX, and XXXX credit bureau file from a company named IQ Data International, account number listed is xxxxxxxxxxxxx XXXX. Please be advised that I am disputing this information due to the fact that IQ Data International does not have a valid license/is not bonded in the state of Texas to collect debts. This information states their license/bond is currently " non existent '' according to the Texas Secretary of State database of license/bonded debt collectors.I am requesting that you investigate this matter and delete from my credit file immediately. Your immediate response will be greatly appreciated. <P/>
XXXX XXXX xxx-xx-XXXX
Product: Debt collection

Harley Davidson Financial Account # XXXX Account Opened XX/XX/XXXX Account was Charged off XXXX for {$14000.00} that was all that I owed. Then after it was charged off they have been reporting it late on my credit report. Furthermore, Harley Davidson Financial was pulling my credit report almost on a monthly basis without my knowledge or permission. Recently, It says on my report I made a payment on XX/XX/XXXX. Which I did not this account has been charged off XX/XX/XXXX. They are not allowed to report inaccurate information and they have. I have been harmed by this on my credit report almost 10 years now. 

You can not report a charge off and also report payments or late payments at the same time. 

Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
Product: Money transfer, virtual currency, or money service

( Block, inc. ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ) SPECIFICALLY Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

To whom may concern Hi I received today and letter email from a collector saying that I owe to Mayfair, and I already told them that I don't owe anything.

I paid every cent. Now they trying to charge withe amount of {$870.00}. I don't owe that money. Here is the proof that the amigos is cero balance. I will you attached documents. I return the furniture. The quality is bad from XXXX furniture actually the owe me money to sell me bad quality furniture. Froude merchandise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient did not keep their word. I was a co signer on my daughters student loan and was told after two years with her having a favorable payment history that I could be removed. It was a lie and I tried serveral times. To make a long story short she went through a period of hardship and I worked with Navient to assist her in catching up. She got to a point that she paid if off because Navient continued to harrass and lie. When she paid it off I was told that it would not reflect on my credit report. I am just finding out that this was a lie as well. I want the adverse reporting REMOVED! Your attention regarding this matter would be greatly appreciated. Respectfully, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, My financial institution and Zelle failed to navigate my claims adequately. I was informed that recovering funds that were in accurately transferred were unable to be Recovered or tracked, and that it was infeasible. The CFPBs findings are that Zelle has neglected its customers by letting scammers exploit the system. They left users vulnerable scams. This lack of accountability and transparency Is unacceptable and raises concerns.
Product: Credit reporting or other personal consumer reports

A company I hired to work on my credit placed an extended fraud alert on all of my credit reports, Experian, XXXX and XXXX XXXX respectfully. At this time I request the removal of all fraud alerts with my credit history. 

PLEASE DELETE THE FRAUD ALERT ON MY CREDIT REPORTS.
Product: Checking or savings account

I am writing to file a compliant against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite at times having sufficient funds when the transactions were first authorized. I was charged fees for transactions that lagged time posting as well as credits that didn't post to my acct right away. This issue aligns with the recent CFPB findings against Navy Fed for similar practices where transactions settled with insufficient balances despite initially having available funds. I believe these practices are unfair and request an investigation to my account.
Product: Credit card or prepaid card

Hello, XXXX or whatever your name is. You seem confused so let me re-iterate. I informed you that your company illegally refused to close a fraudulently opened account without illegally forcing me to agree to terms I was not subject to. Since you are relaunching a fraud investigation but also refuse to log this illegal behavior by your company let me help you. I have reported your company 's illegal action to the DOJ as well asthe State AG + office of Consumer Complaint Department of New York. 

Oh and since it's already logged you refuse to take accountability and I assume you personally already listened to the audio and have no problem with your employee 's illegal behavior it involved you too. I want to inform you I am asking now, in written form, which under Georgia law you have 30 days to reply to, for your insurers information. You have victimized me criminally and illegally neglected your companies fiduciary duty to me and I want to make a claim. You have 30 days to comply under Georgia State Law before I inform the Georgia State AG of you have refused to comply. 

Your company 's representatives have tortuously interfered with my ability to conduct business due to your illegal actions for which American Express is liable for and which I have laid out here. Your company Illegally intimidated and coerced me to agree to terms to terminate a fraudulently opened account in violations of your legal and fiduciary duty, for which your company is liable. 


Now again I informed your company of criminal behavior, Illegal on both state and federal level, XXXX XXXX and want to note now, you have obviously researched this and refuse to acknowledge it. Thank you for that confirmation. 

XXXX XXXX
Product: Debt collection

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX. XXXX Account Number : XXXX Bal : {$1200.00} XXXX. XXXXXXXX XXXX Account Number : XXXX Bal : {$3300.00} XXXX. XXXX XXXX Account Number : XXXX XXXX : {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

On XX/XX/2017, Midwest Recovery Systems, LLC put a debt on all 3 of my credit reports for {$820.00}. The original creditor was XXXX XXXX XXXX. I have never received a loan from this company or any documentation that Midwest Recovery Systems, LLC has the right to collect the debt. About 4 or 5 years ago, my cell phone was stolen and personal bank account information was compromised.
Product: Checking or savings account

This is regarding my Charles Schwab brokerage account. My account been locked for online access since mid XX/XX/2022, I also have no access to any statement because they are also online. I gave called Charles schwab twice to removed the lock but havent gotten a response because it is under review. It is now XX/XX/2022. Theres no illegal activity on this account but they claim theres third party access because I used a family computer collectively. If this account is insecure, they should at least close the account and refund my funds back to me or back to my external transfer account They made no attempt to do so and just locked my account.
Product: Mortgage

The loan opened on XX/XX/XXXX, for the term of 254 months, at the interest rate of 8.23 %. The note amount is for {$570.00}. We have continued to pay our for loan. Earlier in XX/XX/XXXX and XX/XX/XXXX we were able to payoff the loan, but they talked my husband into keeping the loan to help his credit. So we decided to just make larger payments ex. {$1000.00} for our monthly payments for a while to bring down the principle. We got behind in XX/XX/XXXX due to trying to get someones attention, about the payments somehow were all going to interest and nothing to principle. Yes it had been months before we noticed, but I had to contact them and the response was " you are not on the loan so we can not discuss this with you ''. So my husband faxed over a letter to allow me to discuss the loan matter. They looked into the matter and finally came to some resolution to add the interest back to the account and gave us a deferment and said it would just be added to the end of our loan. Since then they still will not discuss the loan with me. We have tried and no return calls. So we have kept paying our loan in order to keep our home. 
My husband in the past couple of months went to what we were told at one time the main location in XXXX, Ohio. When he got there they were closing the location and had moved all information to another location. I tried to pay our loan on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XX/XX/XXXX, I thought they may have been doing some update on their web page. So I continued to call every number I could find online. It was only after a couple of hours before I reached a real person. The lady in AZ explained to me that all she could tell me was all accounts had been sold to other mortgage companies, and Citi financial was no more. So now we have paid 45 notes over our 254 months loan. There is a balance is still showing on our account. I am asking for your help in this matter, Please!