23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/year> - dent was paid but has not be removed from credit reporting.
Product: Debt collection

I have several items listed from NA National Credit Systems XXXX XXXX XXXX XXXX, Ga XXXX Phone number XXXX NA XXXX {$150.00} NA XXXX {$92.00} NA XXXX {$91.00} NA XXXX {$74.00} NA XXXX {$59.00} NA, is claiming not to have this debt because they are illegally attempting to collect a debt parking debt of {$8200.00} Account # XXXX
Product: Credit reporting or other personal consumer reports

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 Too. I checked my credit report on XX/XX/2024 and found that the information on an account XXXX XXXX was put back on the report again and this account has a cancellation of debt meaning there is a XXXX balance. This account keeps changing for no reason you are in violation the FCRA laws and the FDCPA laws. I have already informed the attorney general the XXXX  and my lawyer of this disregard to my rights and breaking the laws of the FCRA.
Product: Credit card or prepaid card

i had secured credit card with wells Fargo. early this year they have closed the account with out telling me ( its ok ). they were supposed to refund me my security deposit and it never took place it has been more than 8 months and I have not received funds back from these XXXX. I have filed complaint with you about 3 weeks ago and nothing took place on Monday I am filing law sit against wells Fargo. they have been advice and they are ignoring me. and as for CFPB you are doing nothing to help the  consumer. they can not come up with XXXX excuses over and over and over and not refund my money. I do n't have any judgments.
Product: Credit reporting or other personal consumer reports

I can not access my account, when I call I can not get in touch with a representative
Product: Payday loan, title loan, or personal loan

Please find attached a file showing the timeline of events! 

In short, this company alternated between two different emails, thus causing the newer email going to my spam folder missing critical information. They wouldnt allow me to make payment on the given due dates, they modified due dates, then after stating they need my authorization for them to pull a payment, they took it upon themselves to pull the money with out my authorization.
Product: Credit card

I received a credit card in the mail from Barclays Bank on XX/XX/year>. I did not apply for a credit card from Barclays Bank and the only phone number on the letter was for activating the card. As I did not apply for the card, I did not call the number for activation. I had to look up Barclays Bank online to find a customer service number. I called Barclays Bank customer service on XX/XX/year> and was advised on XX/XX/year>, the card was applied for, approved, activated, and a {$4000.00} purchase was made. I was advised a statement would be coming with a payment due on XX/XX/year>. I advised Barclays Bank Customer Service that I did not authorize this credit card application or a charge for {$4000.00} and would not be making any payments. 

Upon asking for a copy of the application and signature, I was advised a copy of the documents with initials would be sent to me at the application address so I could file for fraud. The representative could not confirm that a wet signature or touch pad signature was used for the credit application. As of this letter, XX/XX/year>, I have not received any verbal or written communication from Barclays Bank. As I do not have an account with Barclays Bank I am unable to login to their website for updates on the case they were to open. They also did not provide me with a case number for reference.
Product: Checking or savings account

Subject : Formal Complaint Regarding Misleading Deposit Information and Prolonged Check Hold I am writing to formally express my deep dissatisfaction and concern regarding a recent experience with Bank of America, which has caused me unnecessary financial hardship and emotional distress. 

On Monday, XX/XX/year>, at approximately XXXX XXXX I deposited a check at one of your branches. I spoke directly with a teller who informed me that half of the deposit would post by Wednesday, XX/XX/XXXX, and that the funds deposited on XX/XX/XXXX would be available to cover any payments made on that same day. 

Based on this information, I proceeded to pay my credit card bill in full, believing that the check deposit would cover the transaction. Just a few hours later, however, I received an email stating that a deposit hold had been placed on the check due to information received that it may be returned. The email stated that no funds would be available until XX/XX/XXXX, XXXX contradicting the tellers assurance. 

Realizing the potential issue, I deposited cash on the morning of XX/XX/XXXX to cover the credit card payment. However, I later noticed a pending credit indicating that the payment may be returned regardless. I called the bank on the afternoon of XX/XX/XXXX, and spoke with XXXX from Arizona, who stated the check would clear by Saturday, XX/XX/XXXX. 

Despite this, I received yet another email at XXXXXXXX XXXX on XX/XX/XXXX, informing me that an additional hold had been placed and now the funds would not be available until XX/XX/XXXX. 

This contradictory and inconsistent communication has created a situation where I made financial decisions based on misleading and incorrect information provided by your representatives. As a result, I am now at risk of overdrafts, late fees, or even credit reporting issues due to a delay that appears unnecessary and potentially predatory. In the year XXXX, with modern banking technology, it should not take over nine days to verify a checks authenticity.

I believe this conduct is misleading, deceptive, and inconsistent with fair banking practices.
Product: Credit reporting or other personal consumer reports

Received a text stating I was approved for a credit card that I did not apply for. 
Then found out that my mother and my son both received a message on messenger that appeared to be from me, but was not, asking what my fathers middle name is. Someone fishing for answers to security questions. This credit card company ( XXXX ) did a hard inquiry on my credit and caused my score to drop. I have been working quite hard to get my score up over the past few years and this sure doesn't help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from a collection agency called XXXX XXXX XXXX on XX/XX/XXXX. The letter was dated XX/XX/XXXX. I sent them a letter asking for validation on XX/XX/XXXX. which I will enclose a copy of all correspondence with all parties within the request. The letter was received by them on XX/XX/XXXX via USPS. XXXX XXXX XXXX illegally added this onto my credit report on XX/XX/XXXX. They have not sent me anything in regard to validation. Under the FCRA, it states that the collection agency has to wait a full 30 day period before furnishing information to the credit bureau. They did not. They illegally added it onto my file to damage my credit to get me to pay an unverified debt. I called them and spoke with XXXX XXXX ( A customer service representative ) and XXXX XXXX A manager that did not disclose his last name ) and explained that this was illegal for them to do. I asked them to remove it today and they stated that they do not add or remove accounts. Then XXXX switched up her statement and stated that they never added it to my credit report, however, I have proof that they did. They said they may send a request to delete it from my file, but they did not want to provide me any paperwork disclosing that or confirming their promise. This is hurting my credit rating because I am buying a home which is now causing me to have XXXX and emotional distress. They knew that they illegally sent this over to the credit agencies to scare me into paying for the debt that is not mine. 

I spoke with Experian, and they stated that they did not receive anything from them and advised me to dispute it. I disputed it under Identify theft since I have not been at a medical center in 2019. I spoke with XXXX from Experian at XXXX XXXX  and he did not help at all after I explained that XXXX XXXX systems broke the law. Experian has not followed the FCRA In verifying this information. They did not do anything regarding this illegal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of fraud while in college XX/XX/XXXX-XX/XX/XXXX there were 8 credit cards opened in my name sent to addresses 80miles from my college I never rec 'd nor used these cards they were even paid on I never had a bank account I have called the original creditors they agreed they were not sent to my DORM or paid for by a bank account in my name I diputed with all three credit reporting companies sent police report FTC report proof of address at time these cards were opened .. ( I never lived where they were sent ) XXXX and XXXX removed this fraud Equifax has not and will NOT block the fraud even with the police and FTC report they received. Please help me
Product: Vehicle loan or lease

Wells Fargo- Applied over {$300.00} In late fees to the account. We have spent over 2 years fighting them that they applied the payments incorrectly. Have sent over bank statements to prove the issue 11 times, each time they were never received. Every time we reached out, they gave us different emails, fax numbers and mailing addresses to send the statements to. 
Finally we gave up and wanted to just pay off the loan and be done with it, they double charged us the late fees, stating the full payment didnt reflect paying off the late fees. After they repurposed the payment, they claim we still owe {$330.00} in late fees causing the pay off amount to still show close to {$400.00} more than it was originally quoted. 
From what we can tell, they are adding the late fees to the principle of the loan to collect interest on it and creating a double charge of late fees. 
In speaking with the reps again. They refused to acknowledge the conversation where the original agent had made the mistake, and are still standing firm on double charging us for the late fees.
Product: Credit reporting or other personal consumer reports

This company is reporting false information on my account as a collection when its currently deleted from my XXXX  and equifax. This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Debt collection

XXXX XXXX a judgment was made to garnish my wage from work. they said I owed XXXX dollars from a collection from XXXX to XXXX. I called the lawyers that sued me and they said it was a past credit debt. I advised this was not my debt. the court still had my check garnished.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Equifax and XXXX credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. I have filed for police report and sent these to the credit bureaus for couple of times.
Product: Credit card or prepaid card

On XX/XX/2018 about XXXX XXXX I visited an ATM machine located at XXXX XXXX, XXXX XXXX NV XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX telephone number XXXX. My transaction was a withdrawal of {$460.00} - the ATM machine sounded a little funny while it was counting the money but never produced the money! I lifted the door where the money is dispensed and there was no money there. I received a receipt for the transaction- showing the debit from my account for {$460.00}. And I immediately called the telephone number located on the atm machine, I was told to call my bank and file a claim - Well my Bank is an American Express Serve Card that is prepaid, the ATM was labeled a XXXX ATM and all XXXX ATMs are fee free to use. I called AMEX SERVE customer service and filed a claim I was told I would receive an email, which I did, and that email states, '' We received your dispute for the transaction below and are currently investigating it. Well send you another email within 10 business days with more information, including whether or not were able to credit you for the charge. '' Trying to get through to customer service is ridiculous and takes a half hour to reach someone in XXXX. I tried to call them this afternoon and was on hold so long my phone went dead. It is or should be a fairly simple issue to resolve as these machines are suppose to have internal mechanisims to alert the ATM operator of malfunctions with the terminal, I called and reported it, someone should have come to check the machine and conduct an audit and fix or place out of order the machine.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Debt collection

THERE ARE XXXX JUDGMENTS APPEARING ON MY PROPERTY XXXX XXXX XXXX XXXX XXXX, New York XXXX Midland has XXXX judgments for the same amount on the property I was informed that these judgments were actually cancelled against my client but are still appearing on the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting I'm late on two credit cards on my credit report one month after the cards was closed. 
I've sick for three months so due to that was unable to work for that time frame. 
In XXXX XXXX XXXX decided to closed two of my accounts because the auto payments was sent back. They closed both cards in XXXX but are adding high interest and fees to the account after they closed the account. In addition to that they reported that I was late in XXXX on my credit report when they closed my account in XXXX. 

I try to work with them and they are not helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account list below violated my ferally protected XXXXonsumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account : XXXX  XXXX, Date : XXXX XXXX Account : XXXX XXXX, Date : XX/XX/XXXX Account : XXXX  XXXX, Date : XX/XX/XXXX XXXX U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency furnishes an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the reporting by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint with a auto loan lender named Westlake Financial services, XXXX, and XXXX. Back in XXXX of XXXX, I was granted a discharge from chapter XXXX bankruptcy. A few weeks later, I was approved for a auto loan on XX/XX/XXXX of XXXX. For some odd reason my credit file is reflecting as a closed account and that it was discharged alongside my bankruptcy which is a total XXXX up on XXXX and XXXX I've called Westlake which is which I owe the debt on and they said they have nothing to do with my fico score being reported to XXXX and XXXX inaccurately. I've already tried filing disputes with both credit bureau but I get the same song and dance that my credit file is reporting accurately. I've included my XXXX  credit file which reflects my loan accurately, my bankruptcy discharge paperwork and the actual bill of sale of the car I purchased after I was completely discharged.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPD lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost of funds was impossible and that tracking these transactions was unfeasible. The CFPDs findings indicate that Zelle has not only neglected to protect their consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability is unacceptable and raises serious concerns regarding consumers safety.
Product: Credit card or prepaid card

I had a credit card with Citibank for XXXX years. I closed that account 4 years ago. A couple of months ago I got a statement saying a had a credit on the card. I called Citibank right away I said this has to be a mistake, I closed my account years ago. The person assured me the credit was mine and I was sent a refund. I asked multiple times are you sure this belongs to me, this account has been closed for a long time. The representative assured me it was mine, it was an over payment for years prior. Two months later I got a bill for the amount of the refund with zero explanation. I spent over 20 hours on the phone and through online chats trying to get to the bottom of what happened. I finally worked with someone in executive customer service who was able to figure out that the credit was not truly mine. My issue is that the company showed zero remorse for the amount of time and stress this whole ordeal has been on me. There error caused my credit score to drop 122 points, the whole thing has been a mess. My other concern is the other customer whose credit I received really  belonged to, who knows how long they were without their credit. I understand mistakes happen all the time but their mistake caused me to spend a lot time and effort to get it resolved.
Product: Credit reporting or other personal consumer reports

I have dispute this inaccurate account since XXXX, XXXX, XXXX, & XXXX of 2023. I requested proof of the invetigation and they failed to send me the proof several times. They keep on re aging this inaccurate account, They have not updated and verified the date of last activity. This is illegal and my rights are actively are being violated. late payments are not supposed to reflect on a supposed charged off account?
Product: Debt collection

This company IQ DATA XXXX is in clear violation of the **** for using my nonpublic personal information to contact nonaffiliated third parties or consumer reporting agencies and furnish an inaccurate collection account on my consumer report without providing full privacy disclosure to me before reporting this inaccurate collection account pursuant to ************. The company violated my right as a consumer to OPT OUT of this information being reported as per this section of the law. IQ DATA XXXX is attempting to collect an alleged debt of {$290.00} due to the alleged original creditor XXXX XXXX Apartment RESIDENTIAL which was clearly paid off with no balance ( see the account data in my attachments below ). The original account ending in XXXX furnished by *** XXXX is reporting paid off with {$0.00} balance and no late payments to the consumer reporting agencies. I do not have any agreement with IQ DATA XXXX with my signature on it, as they keep decreasing and increasing the alleged collection balance by {$7.00} every week, ( see my attachments below ), which is ABSURD and goes against **** rules and regulations. Their actions have caused my family and I severe damage to our livelihood as they are hurting my ability to obtain credit which they are liable for all actual damages caused. If IQ DATA XXXX does not remove this inaccurate collection account they furnished to the consumer reporting agencies on ( XXXX ) without my permission using my personal information immediately, I will be in pursuit of litigation, legal action for identity theft ( 18USC1028 ) and unfair debt collection practices ( 15USC1692f ). I filed a **** complaint on XXXX XXXX and they seem to think their company opinion matters over the *** they refuse to get in compliance with ( see their response below ). 
*being verbally abusive *contacting your family or friends *lying about their identity *misrepresenting information concerning the debt