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

The first date of nonpayment on this account was in XX/XX/XXXX. As of writing this it is XX/XX/XXXX. The original creditor was XXXX. The account was then sold to XXXX XXXX  who was the second creditor. XXXX XXXX then sold the account to XXXX XXXX XXXX who is now the third creditor. The account is a collection and is now in the hands of a third creditor who is strictly a debt collector. The account is reported as " Open '' which is inaccurate and should be updated to " closed '' or removed immediately. There is no credit being extended by XXXX XXXXXXXX XXXX nor was any extended by XXXX XXXX There is no active loan and no payments are being made and there has been no settlement made. At this time the account is inactive and should be listed as " closed '' yet there is a collection for {$1200.00} on my credit report listed as an " open '' account. 

I contacted XXXX experian, and XXXX regarding this matter and asked them to change the account to " closed ''. They have stated that they are in FCRA compliance. I do not believe this to be compliant. The account is certainly inactive and closed. 

Is this FCRA compliant? If so why is the account not closed and when is an account in collections considered closed? If this is not FCRA compliant can you please compel XXXX experian, and XXXX to remove this account or update it to " closed ''. 

Additionally the original creditor is listed as " XXXX XXXX  ''. They are not the original creditor. The original creditor is " XXXX ''. 

Thank you
Product: Debt collection

I had   XXXX   XXXX   and  2 i nsurance companies. They should have been communicating with each other to settle the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C 1681b ( a ) 2 was not given my written instructions XXXX account number is XXXX .... 
XXXX states balance is {$540.00} XXXX states balance is {$0.00} equifax states balance is {$540.00} date opened XXXX states XX/XX/2017 inaccurate XXXX states XX/XX/2017 equifax states XX/XX/2017
Product: Debt collection

I have received several call and mail from MONARCH Recovery Management inc. 
phone # ( XXXX ) XXXX associated with XXXX XXXX XXXX ( XXXX ) XXXX I got to an agreement if a paid a settlement amount they will stop contacting me, clear my record from all 3 bureaus, so I have paid the settlement of {$1500.00} on XX/XX/2020, I have received the letter that I have complied with settlement. my complain is about the agreement to clear and removed account from all 3 bureaus, this has not been done and even though I complied with settlement they haven't.
Product: Credit card or prepaid card

My experience with Fortiva through XXXX XXXX started from the beginning of my acceptance of their card was a nightmare, So i went to the store to see where my bill was because it was due an they had to corrected the address, so I thought, then i received a bill with an " overdue '' amount attached to it. Next I phone Fortiva and corrected the address again and they would not remove the " overdue '' charge. which was their error. 
So back to home depot I go a second time and again they ajust my billing address and send it to the correct address still with the over due charge atttached.. 
When i received the next bill it was to my old address and luckly the mail lady knew me and gave it my neighbor to hold. after 2 more attempts to clear up this mess by phone and 1 more visit to the store. I cancelled the card. 
Now as I have been paying more than the minimum to get this card out/off of my credit I sent them a check by mail on XX/XX/2019 The bill was due XX/XX/XXXX, and again I get a past due amount on the card, there is more than 14 days to get and process this payment. and I would like you to look into their practice of over billing an past due charges. please and thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet when I review my XXXX  account dated XX/XX/XXXX I found out that there are items passed on that should be Block. Per FCRA segment 605 XXXX and Equifax Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. XXXX did not response my letter that sent to them last XX/XX/XXXX. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX  XXXX, NV XXXX U S DEPT OF EDXXXX XXXX Balance Owed : {$3500.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$1800.00} ACCOUNT XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1800.00} XXXX Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit card or prepaid card

I bought a prepaid scarlet card from XXXX on XX/XX/2022 and loaded it with XXXX $ and then found it is important to activate and get the money out. It can not be used to buy anything transfer money anywhere or use an atm to get cash out
Product: Debt collection

Company was asked for original contract with wet signature and did not provide. My information was exposed in data breach and used
Product: Money transfer, virtual currency, or money service

I got catfished by someone who convinced me to fraudulently wire transfer money first to XXXX where I bought XXXX, and then to XXXX where it was confiscated. See the attached for more details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't report this to Experian because I don't need any more idiocy. They sent me an email to sign up for free credit monitoring as part of the XXXX XXXX XXXX XXXX. It included an activation code and link to a signup site. I spent a great deal of time filling out the form, filling in the code they sent by PASTING it into their form so it would be accurate. After I spent a lot of time filling out the form, my XXXX browser returned an error, " The XXXX token assigned for this session is invalid. Please refresh the browser page. " and didn't process my application. So I tried the same process on XXXX, and this time, when I clicked the " Submit and Continue '' button, nothing happened at all. This process took almost an hour, with no results. I'm not sure why I would want incompetent XXXX like this to monitor my credit anyway! So they're not giving me the monitoring they're legally compelled to give me, and it might not be of any use anyway, given their track record. It's an absolute outrage that horribly-run companies like this have so much power over our personal data, which they seize without any permission, and that we can't opt out of doing business with these XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX last XXXX my account is paid in full at the cash store as I only owed {$970.00} my principal amount was {$900.00} XXXX paid the Cash store in XX/XX/2017 {$300.00} in XX/XX/2017 I paid {$240.00} in XX/XX/2017 I paid {$180.00} in XX/XX/2017 I paid {$240.00} that should add up to {$960.00} XXXX wed XXXX dollars in total I never made the XXXX dollar payment but I can definitely give it to you now if you would like to take the XXXX dollars???? you are the seventh collection agency to call me even after it was paid way back in XXXX. I have turned the Cash Store into the financial bureau for unlawful collections because they keep selling my account like I never paid it and it was paid in full, except for XXXX  dollars. The company gave me this info orally over the phone -- but refused to give me a print out. They sell ( or turn over the accounts to several creditors ). I get numerous calls from different collection agencies, and I go through the painful process of explaining that the loan was paid in full over and over again. This is harassment, and unnecessary. I am still getting calls, this loan was paid off in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice that my credit report was really low within last couple months, base on my payment history since i never had late payments or delinquents account. After reviewing my hard inquiries reported i notice there were 2 lenders ( XXXX XXXX, XXXX mortgage, both lenders currently have no relationship with me ) that reported at least 4 unauthorized hard inquiries for 3 credit bureaus ( XXXX, TransUnion, XXXX ). I already contact them by phone, made online disputes and sent letters to this 3 bureaus, lenders and haven't resolved this fraudulent issue.
Product: Debt collection

I have an account with this company and have talked with them about my account. I can never get a correct amount of what is owe and when I pay never receive payment receipt for what I have paid. This company calls my job 3 to 4 times a day and I have asked them not too. I have also asked about making arrangement they will agree on phone but will never provide me with written documentation. The employees are rude and I have reported them to upper management before.
Product: Checking or savings account

I asked them to close my account which I already requested over a month and a half ago, but they came in a 2nd time, I was dinged twice {$25.00} a pop a total of {$50.00} dollars and then it made another payment bounce, dinged another {$25.00} dollars & the payment the money was intended for was not paid. I've paid over a {$100.00} in NSF Fees and none of the payments were paid. I didn't want them to be paid because they were NOT authorized. The bank said that it is a " Courtesy, '' to give me back my {$25.00} dollar fee WHEN I CANCELLED WITH THIS COMPANY AND BECAUSE OF ALL THIS WORLD AND GOVERNMENT COLLAPSE, EVERYTHING FROM THESE COMPANIES IS A " FREE FOR ALL, '' When no one holds them accountable just like in the XXXX  Banking, Financial and Housing Collapse. No one was " Criminally, '' held accountable if the Government doesn't enforce the laws or the " Military Industrial Complex with the XXXX XXXX XXXX XXXX XXXX '' absolutely wants this. My point is that this money should be given back to me so that I can pay my bill with " XXXX, '' so that I can go about my business. The world 's finances are so bad now that I can not afford this. I literally do not have any " Disposable Money. '' This is the difference between me eating, me feeding my animal and putting gas in my car. All my money goes towards my bills. I am homeless and living a shelter right now.

I am getting really very frustrated by these companies including the backs that " XXXX XXXX XXXX, '' like they are part of the game. I don't know if they realize that they want to close down all the banks and have " XXXX, '' run it. That means they will lose their jobs. XXXX XXXX of the XXXX XXXX XXXX, a " XXXX XXXX, '' publicly says it, " We ( The People ), will Own Nothing and Be Happy. '' Kinda like the " XXXX XXXX. '' There needs to be other ways of solving my problem without having to do a whole new bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient student loan servicing provider inaccurately report missed or late payments to the credit bureau, this mistake has had an impact on my credit report. This is affecting my ability to borrow. There are over 18 accounts showing I was late XX/XX/2017 there was no one from Navient providing clear information about how to re-enroll in income-driven repayment plans and never knew I could have a qualify co-signer .Which I have stated and beg with Navient . I done everything I can to make sure I dont fall behind. Try providing proper documents for questionable payment plans which are read from scripted agents trying to rush you off the phone giving the next hopeless person no option .I am a XXXX single mother with XXXX  kids working hard under the poverty line making less then 25000 years just trying to better myself. My payments and account balance is being improperly used over the past year leaving me to question which amount is true reporting with Credit Bureau. Constantly getting credit reporting alerts either my accounts are increasing or decreasing no one from Navient can seem to tell me why this continue to happen. During the month of XX/XX/XXXX i know i spoke with someone and sent my paperwork back over in fashionable time and even spoke with my financial counselor at XXXX College XXXX XXXX South Carolina who reassure me everything will be okay and will assist during that time frame. Not to mention that school has bankruptcy and close down. Navient is a billion dollar company with tons accounts they handle every seconds doesnt want to take time to think or take responsibility that maybe they might just drop the ball on this or many other accounts reporting accurately. All I want is honesty and fairness because this is hurting. They say your past will set you free but honesty this past report is currently hurting me.
Product: Checking or savings account

We responded to an offer by Chase bank to open a checking account and receive a {$300.00} bonus if we did a direct deposit over {$500.00} per month.While we were at their office they accepted my application and forwarded a request to the Treasury to switch my monthly SSA check of {$1500.00} to Chase.One week later we received a letter from Chase that they are closing the account. No reason was offered.We have tried to find out why they did this but Chase insists that they do not have to tell us why. We are very upset and puzzled since we have excellent credit and financial assets.We would like to get answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to login to my Experian account. I am unable. The website help does not respond. It claims that I have no account. I tried calling but there is no human available. All they have is an automated system that doesn't address my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX, XXXX, XXXX Wrong Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX Date Updated : XXXX/2018
Product: Credit card or prepaid card

American Express has violated my federal consumer rights under title XXXXXXXX XXXX XXXX. The account I had was open by me using my credit card pursuant to XXXX XXXX XXXX ( XXXX ) which is my social security card. This company does not have a right to close an account that belongs to me and was opened by me. I did not give consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reclassified several paid accounts with XXXX balances as charge offs after being paid with by a student loan consolidation years ago.
Product: Checking or savings account

I have tried to cancel multiple times. Eventually it makes me enter my debit card number then says they cant cancel.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN to the XXXX credit bureaus that I was a victim of Identity Theft. It seems the XXXX credit bureaus doesn't care at all that I want to dispute unauthorized items that are reportedon my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX KINGS XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX BANK XXXX Balance : {$0.00}, XXXX BANK XXXX XXXX : {$0.00}
Product: Debt collection

I have a debt listed for {$59.00} for XXXX on my Equifax report. I have paid this account in full and I would greatly like this account to be removed from my Credit Report. Thank you.
Product: Consumer Loan

I was going to do a bankruptcy but stopped the process, the car was sent for collection to XXXX ... it is showing that it is a repo which is not I have been making paying through the company XXXX that USAA assigned to it. I need that collection off my credit because it is affecting me getting a new car. This account is being paid on the XXXX of the month at {$300.00}
Product: Credit card

Dear WELLS FARGO CARD SERVICES : I am writing to address an issue that has recently come to my attention regarding my credit report. During a review with my loan officer over the weekend, it was pointed out that my credit report reflects late payments for XXXX and XX/XX/XXXX on this furniture credit card that i had opened back in XXXX. I believe these reported late payments are unfair, unjust, and inaccurate. 

I have always made timely payments upon receiving my statements. The only plausible explanation for this discrepancy is either a delay in the delivery of my monthly statement or an issue related to changes in my personal deposit accounts with my bank. 

Due to the financial and medical hardships I faced during this period, I request an immediate deletion of these late payments from all credit reporting agencies. Given our longstanding and positive relationship, I kindly ask for the removal of the XX/XX/XXXX day late payments from my credit report and a refund of any late fees assessed on my account. 

Additionally, under the provisions of the Fair Credit Billing Act ( FCBA ) 15 USC 1666b, 1681i, and 1692g, I believe I have been billed incorrectly. These violations and inaccurate reporting necessitate an immediate correction and deletion of these items from my credit report.

I spoke with a representative from your company today, paid the entire balance, and set up automatic payments with my new banking account. Your colleague mentioned that they would submit a request to the credit reporting agencies to remove the XXXX months of late payments as a one-time courtesy.
Product: Mortgage

Bad mortage refi under HARP program with XXXX..When I disputed they transferred to Seterus for mortgage servicer ... {$35000.00} in dispute..New program did not reduce my interest rate, failed to write off {$20000.00}, can not proved who owns the mortgage, all number if they provide any are in dispute ... Seterus is more interested in foreclosing on me and are very disrespective, uncooperating, and expect me to show documentation when they claim they have no documentation..Any and all help will be greatly appreciate..XXXX/Seterus have committed fraud which is nothing new..Please contact me at XXXX ( XXXX XXXX ) and leave voice mail if I do n't pick up..Thanks
Product: Credit reporting or other personal consumer reports

as per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delte and block this information from my credit report within Four business days pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from Transunion. Please delete the following accounts. DEPTEDXXXX bal. {$2200.00}, DEPTEDXXXX bal. {$3400.00}, DEPTEDXXXX bal. {$1900.00}, DEPTEDXXXX bal. {$1200.00}
Product: Payday loan, title loan, or personal loan

I made a payment on XX/XX/2020 to pay the balance in full. I received a confirmation email advising that I paid the balance in full and they still charged me {$56.00} on XX/XX/2020, In which they told me I had to pay this amount even though my account was already paid in full. 
I overpaid and now they refuse to issue my refund, even though I have an email from them confirming that I paid my balance in full on XX/XX/2020.
Product: Checking or savings account

Regions Bank has illegally charged me Overdraft fees on a transaction that shouldn't have taken place to begin with. The charge of XXXX from XXXX XXXX was reversed due to this error and my money was refunded but the bank ( Regions ) has kept the Overdraft fees as valid. This is an illegal fee ; for the simple fact that the company ( XXXX XXXX  ) shouldn't have charged the account and there wouldn't have been an Overdraft to begin with. This is a malicious attempt to charge fees when none can be, and seeing how Banks like ( Regions ) ; majority source of profits come from overdraft fees, it lends to the creditability to the assertion that this fee was charged in malicious intent to defraud the account holder and generate profit for the Bank. ( Regions ). They have recently had to pay XXXX XXXX dollars for this very issue a year or so ago, for defrauding their customers in " Surprise Overdraft Fees '' that should have NEVER been charged in the first place. 

Secondly in the General instructions page of FR2900 Board of Governors Federal Reserve System ( Sec. ) Report of Deposits and Vault Cash Page ( 10. ) Paragraph ( 8. ) titled ; Overdraft and Negative Balances on line 8 states that ; " Moreover any overdrawn deposit account by a customer should be regarded as a loan made by the reporting institution to that customer, and the amount of the overdraft should be regarded as XXXX  and not reported as a negative deposit ''. 

So if the Federal Reserve Board of Governors is instructing the reporting institution, in this case ( Regions ) to mark these as " loans '' how can it be legal or lawful for that institution ( Regions ) to charge a flat fee for that transaction. If its considered a loan than it should be charged the current interest rate for that particular type of loan which is currently 7.36 %