23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

LVNV dba Resurgent Capital Services has continued to call my employer my cell number every day threatening me jail time law suits and bullying tactics to collect a charge off for {$1200.00}. I tried to negotiate with the debt collector and they said they will not negotiate with me at all. I wish for this debt to be removed from my credit reports per the FCRA for violations of tactics that are unlawful and against the law.
Product: Debt collection

Received a text from Unifin, a debt collector. I have not given any authority of contacting me via my personal cell number. I know nothing about an alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), they are required to only use phone numbers that you have provided or are considered verifiable as yours, meaning they can not call you on a number you haven't given them permission to use. This is a clear violation of the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

i reviewed my consumer reports and noticed that i had a late payments on an account : XXXX XXXX XXXX XXXX XXXXXXXX, that i was never late for a consumer reporting agencies have assumed a vital role and a responsibility to report costumer information to be the best of their with maximum Accuracy, please investigate and provide proof with statements showing that these payments were late.If proof cant be provided I demand these payments be updated to on time as they should be as i was never late. Thank
Product: Credit card

I received a bill from my credit card company in XXXX. I paid the statement balance in full before the XXXX payment due date. On my next statement that I have received, with a payment date of XXXX/XXXX/2016, I am being charged interest on the paid off balance from XXXX. They are telling me that interest was still acrueing (? ) from the XXXX statement closing date until the day I paid it in XXXX - " Residual interest ''. I have other credit cards, and they do n't do that when I pay off the balance. I used a HELOC earlier in the summer to pay off credit card debt, and none of the cards tried to get extra interest money when I paid off the balances. Not sure what has changed in the banking industry that they think they can get away with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report 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 the information is inaccurate.
Product: Checking or savings account

I am writing to formally address a concern I have regarding multiple overdraft fees that were applied to my account at Navy Federal Credit Union. Despite maintaining sufficient funds at the time my transactions were authorized, I have been charged fees due to delays in the posting of charges and credits.

This situation appears to be consistent with recent findings from the Consumer Financial Protection Bureau ( CFPB ) which highlighted similar practices by Navy Federal, where transactions were settled at times when the account balance was insufficient, despite available funds at the point of authorization.

I believe that these practices may be unfair and detrimental to members. Therefore, I kindly request a thorough investigation into the transactions on my account.
Product: Debt collection

I get a medical bill in collection that I do not have any knowledge about. This bill is for 2014 and I do n't recognize this debt. I want this account to stop hurting my credit and calls to stop immediately.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$550.00} XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX Balance Owed : {$320.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Owed : {$550.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX XXXXnd all payments were placed on XXXX. 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 to be removed/updated.

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.

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!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX I recently received a copy of my XXXX credit report, and i noticed some late payments posted on my credit report : XXXX XXXX Bank. XXXX These companies are in clear violation of the law. Under 15 USC 181 ( 1B ) - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordancee with the written instructions of the consumer to whom it relates.

I have not gave anyone written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 16181 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title ( i ) any report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report.
Product: Credit card or prepaid card

Capital One XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : Account number ending in XXXX To Whom it XXXX concern, I never received billing statements via email ( preferred method for billing statements since XXXX ) for the following statements which resulted in erroneous a XXXX and XXXX day late reported by Capital One to all three credit bureaus. Also, the billing amounts increased due to past due amounts charged by Capital One. 

Billing cycle XX/XX/XXXX- XX/XX/XXXX for {$170.00}. 
Billing cycle XX/XX/XXXX- XX/XX/XXXX for {$230.00}. 
Billing cycle XX/XX/XXXX- XX/XX/XXXX for {$280.00}. 
Billing cycle XX/XX/XXXX - XX/XX/XXXX for {$410.00}. 
Billing cycle XX/XX/XXXX- XX/XX/XXXX for {$240.00}. 
Billing cycle XX/XX/XXXX- XX/XX/XXXX for {$370.00}. 

A XXXX late was erroneously reported to the credit bureaus for XX/XX/XXXX. And, a XXXX late was erroneously reported to the credit bureaus for XX/XX/XXXX. 

I am requesting Capital One provide me the dates and proof in which the above noted statements were sent to me electronically, and dates of past due notifications sent to me by Capital One. 

I have submitted a complaint to the CFPB. 




Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, upon my signing up for an account, charged me {$26.00} for a membership. On the sign-up information, there was no clear indication that I was going to be charged or receiving my credit score would cost money. I only realized I was charged when I reviewed my bank statements. I called Transunion and they reversed the charge.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> EXPERIAN XXXX XXXX XX/XX/year>
Product: Credit card

Barclay 's Credit Card charging interest twice a month but won't tell me why, the manager and call centers won't give me accurate information
Product: Money transfer, virtual currency, or money service

I needed to transfer a wire to close escrow on a home I am purchasing. The funds were with Capital One. I sent the wire through their system at XXXX XXXX For some reason Capital One states that they can not process wires after XXXX EST. This is absolutely ridiculous since the federal wire cut off is XXXX EST. Their rules are completely hurting their members ability to move funds within the timelines set by the Fed. They need to change their rules to be more in line with the other banks around the county.
Product: Credit reporting or other personal consumer reports

Incorrect information was not changed in the report concerning an at fault accident that was reported on XXXX. I was never in an accident on this date in my XXXX XXXX and a claim was never submitted for whis vehicle with my car insurance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Supplemental Complaint TO CFPB ID FOR COMPLAINT SENT TO XXXX XXXX  XXXX XXXX XXXX Company : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) ( alleged successor to Bank of America , NA ) Supplemental Complaint of : Inaccurate information provided to Credit Reporting Agencies Attempts to Fraudulently Induce a Default Attempts to Fraudulently Induce a Breach of Contract XXXX is Returning Direct Bank Wired Payments to Fraudulently Induce an unlawful Breach Breach of Fiduciary Duty Wire Fraud Embezzlement of Confirmed Payments Violations of Regulation Z Violations of TILA Violations of RESPA Bankruptcy Proof of Claim Not withdrawn XXXX  Never Filed a Release of Lien for the Fraudulent XXXX Deed of Trust terminated by the Alleged XX/XX/XXXX Transfer False and Fraudulent Credit Reporting of HELOC Opened : XX/XX/XXXX I. On XXXX XXXX, XXXX, Bank of America, NA informed me that my HELOC loan had been discharged and the account closed during my phone inquiry on the HELOC account Opened XX/XX/XXXX XXXX. Bank of America, NA = alleged transferee to XXXX XXXX. Exhibit A : XXXX Credit Report Bank of America, NA HELOC : A. Opened : XX/XX/XXXX B. Last Reported XX/XX/XXXX C. Reported Balance {$0.00} D. Account Status closed IV. Exhibit B : XXXX Credit Report Bank of America, NA HELOC : 1. This Account was closed XX/XX/XXXX 2. Last reported : XX/XX/XXXX XXXX. Reported Balance : {$0.00} 4. Nice! You've paid off 100 % of this loan 5. Opened : XX/XX/XXXX 6. Last payment : XX/XX/XXXX 7. Closed : XX/XX/XXXX 8. Worst payment status : Current 9. No Transfer to XXXX you have 0 % left to pay on this real estate loan Clean Slate! As of XXXX XXXX, XXXX, you have no collection accounts on your credit report. 

V. Exhibit C : XXXX Credit Report XXXX HELOC : A. False & Fraudulent Credit Reporting 1. Opened : XX/XX/XXXX ( {$0.00} balance Ex. A and Ex. B ) 2. Reported : XX/XX/XXXX 3. Reported Balance : XXXX ( XXXX ) 4. Account status : Closed 5. Last payment : XX/XX/XXXX 6. Payment history : a. Youve made 100 % of payments for this account on time b. Last payment reported as XX/XX/XXXX = XXXX and XXXX payments were submitted via electronic transfer with confirmation. 

c. Unknown payment entries : documented payment history with confirmation numbers provided to XXXX, CFPB, and Justice Department ( sent via USPS Priority with tracking and signature verification ) d. Account was closed XX/XX/XXXX, indicating XXXX payment NOT OWED, however XXXX and XXXX payments electronically submitted and confirmed eXXXX XXXX never provided documentation to us to notify account closed as reflected in Credit Report information 7. Remarks Bankruptcy XXXX XXXX Bankruptcy Petition a. XX/XX/XXXX, {$0.00} balance ( during bankruptcy Ex. A and Ex. B ) b. XXXX enters bankruptcy claiming balance due from XX/XX/XXXX, {$0.00} balance due c. XXXX never files Bankruptcy Rule 3002.1 mandatory reports d. XXXX never files Amended the Proof of Claim 8. Times 30/60/90 days late XXXX a. Payee terminated in Bank account XXXX Can not submit electronic payments b. No loan statements from alleged servicer XXXX after XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  and Transunion are reporting incorrectly that I am ( 90 ) plus days late on the XXXX accounts. ( Please see pages attached from my credit report along with a spreadsheet with account numbers. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Checking or savings account

I had a joint account that was opened with my brother two years ago. Checks were deposited as third party checks from XXXX and they decided to infinitely restrict the account. My funds have been inaccessible for two years. Capital One has been contacted by my brother numerous times about this issue. Unfortunately, they still do not want to help close the account and send the funds anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal request for a re-investigation of the account listed below. The previous item was claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

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

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Auto XXXX XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

After reviewing my credit report, I noticed an amount on my credit stating that was owed XXXX from ARS ( ACCOUNT RESOLUTION SERVICES ). On my credit, ARS is claiming that there was a service received from XXXX XXXX XXXX XXXXXXXX XXXX XXXX, on XX/XX/XXXX for {$1400.00}. I sent ARS a letter on XX/XX/XXXX, to VALIDATE this and provide me with competent evidence that I have any legal obligation to pay ARS. ARS ( ACCOUNT RESOLUTION SERVICES ) sent me back a letter on XX/XX/XXXX, only VERIFYING the alleged amount owed. That is not what I asked for.
Product: Checking or savings account

I have a bank of america checking account and credit card. Approximately 6 months ago, I transferred {$20000.00} from my XXXX investment account into my checking account which I intended to then transfer to pay off my credit card at Bank of America. Bank of America immediately placed a hold on my {$20000.00} deposit so that I was unable to transfer it to pay my credit card. I called and was told I needed to go in person to the bank. I did so the following day, to the XXXX, WA branch and was told I needed to come back the following week when a specific manager in the fraud department was available by phone. When they mentioned fraud I immediately checked my account and saw no fraudulent activity whatsoever on my checking or credit account. I returned the following week and was questioned by the bank fraud manager on the phone, XXXX, about some of my past purchases and whether they were valid. My daughter was in the room with me answering questions as well as the credit card account is a joint account with her and I and has been for many years. They asked multiple questions about various charges which I answered and was told by XXXX that they would be releasing the funds shortly. To date, the funds have still not been released and it is over 6 months. I still receive my pension amount in my Bank of America checking every month however Bank of America has blocked my credit card and debit cards so that I can not use any of my money that I continue to receive. In order to use my money I was logging on to transfer money to my daughter 's account and getting it from her. Now Bank of America has blocked access to my online account. I have tried calling XXXX multiple times but have been unable to get a hold of her or anyone who is able to help me. I call the general number and am told they can not help me and I need XXXX specifically. I am XXXX and need the money that Bank of America is blocking. Again, Bank of America still to this day has not released the hold on the {$20000.00} and I do not know what to do to get the money back. As a result of the hold of this money, I can not pay off my credit card with Bank of America and they continue to issue extreme fines which is costing me thousands. Yet they refuse to release the hold on my own funds so that I can pay it back. I have no idea what to do, and now I am even unable to access my pension money to live.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of id theft and reported such incident to the proper authority. 
i have several accounts and inquiries that i do not recognize and asked that they be blocked, deleted. Subsection 604 in the FCRA ( which is the same as 15 USC 1681b ) I didn't authorize the reporting of that debt to the credit agencies.

Unauthorized Inquiries need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX ON XXXX CREDIT REPORT XXXX XX/XX/2022 XXXX CREDIT REPORT XXXX, XXXX XX/XX/2022 XXXX CREDIT REPORT XXXX XXXX XXXX XX/XX/2022 XXXX CREDIT REPORT XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION CREDIT REPORT
Product: Payday loan, title loan, or personal loan

This company called me in XX/XX/2018 saying I owed a payday loan in the amount of XXXX dollars which was supposed to been an electronic check with XXXX   XXXX that I never even had a checking account thru went to the bank and had the lady in the office pull up my name never had a checking account they then just a saving for a car loan and the lady even called midwest and talked to XXXX and told her I have never had and a checking account they then and never owed any money to them .XXXX was very rude would not give the bank lady any information and hung up on her .I am not paying for something i don't owe and an turning this over for XXXX to be investigated along with that company.She said she sent me stuff to and address i have not lived at for over 9 years.what a scam
Product: Bank account or service

A fraudulent bank account was opened in my name at an address that has never been associated with me. I have previously filed a complaint with the CFPB and was informed by Fifth Third Bank that this had been resolved XX/XX/2014, as they confirmed it was a fraudulent account. Upon going through a recent refinance, I have found out that their {$200.00} collection account with XXXX still appears on my credit report. This has affected my credit score by showing an open collection account that is completely inaccurate. I have jumped through hoops just to prove their mistake and inaccuracy and should not have to go through this again. Please help, as this is now creating undeserved stress on me. 
Thank you.