23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by someone claiming to be from Phoenix Asset Group, LLC. Mr. XXXX and Mr. XXXX informing me that they bought my debt from XXXX XXXX. The company is located in Minnesota according to the website. You can XXXX it, but it continues to say pages arent available with an error message. I was able to cal number on website and an individual answered it with hello and couldnt understand how I was able to call her cell phone as well as didnt know her companys phone number. Voicemails were left about taking action in the county I  live and wage garnishment. I was also informed I received a document from XXXX XXXX informing me of them buying the debt. I never received the letter and informed them of a pending divorce and to contact my lawyer. They refused to do so. They refused to send any correspondence except for a contract by email after I gave them a debit card number to take biweekly payments of {$130.00} after a down payment of {$270.00}. This is the second fake company out of XXXX XXXX which has posed as an agency to get money out of me. I requested they contact my lawyer and to stop calling me and they stated I had to put it in writing, but didnt give me the address. At this point Im 100 % sure this is a fraudulent site with several individuals posing as agents/representatives of the scam.
Product: Student loan

Fed loan uses online address system. I never changed my address w/fed loan or post office. As a result of fed loans system they mailed my bills from XX/XX/XXXX until XX/XX/XXXX to WRONG address. Their mistake! Late XX/XX/XXXX I had requested a forbearance due to my upcoming XXXX XXXX in XX/XX/XXXX. I never questioned not receiving the bills during that time because I believed I was approved for the payment extension. I have provided the information many times to fed loan and they are refusing to correct the XXXX negative on my credit report. I NEVER authorized or changed my address
Product: Credit reporting, credit repair services, or other personal consumer reports

Genesis credit has been notified that my balance with them should have been refunded in full because the merchandise I purchased, which was financed through them, was returned to the vendor. I spoke with one of their representatives in XXXX and explained the situation, and they told me the account would be closed, the money refunded, and reported as up to date with the credit bureaus. They never did this and have continued charging me fees and interest.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to formally complain about the treatment I have received from JetBlue Barclays XXXX Credit Card. I have communicated my financial hardship, stemming from the pandemic and a 50 % loss of income since obtaining this card, to the company. 

I am currently facing an interest rate of 29.99 %, the highest among all my credit cards. Despite multiple attempts to negotiate the APR with the company, I have encountered no success. 

Despite my consistent efforts to make payments, I recently faced a reduction in my credit limit, resulting in a sudden XXXX drop in my credit score.

In addition, I have encountered several issues, including excessive fees, inconsistent interest rates, and inadequate customer service. In the year 2023 alone, I incurred {$98.00} in return payment fees and an astonishing {$350.00} in interest rate charges. 

As of my statement balance on XX/XX/, which was {$1600.00}, I have diligently reduced my outstanding balance to {$590.00}. 

I am seeking your assistance in conducting a prompt investigation into these matters to ensure fair and transparent financial practices. Your attention to this urgent issue is greatly appreciated. 
Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I went to bed XX/XX/XXXX and checked my business account and there was {$4.00} in it, which was correct. I was waiting for a Covid related loan to come through and checked again the next morning. The account showed over {$1700.00}. I assumed my loan was deposited. I spent the money to get my small company caught up on bills. Covid has been hard on my bakery but I worked 60 hours a week and was able to stay open. Two days later, my account showed I was overdrawn almost {$2000.00}. I called my branch in stow and explained what happened. I was told there was a glitch in the system with their debits and credits. I told her my business couldnt survive this. I requested a loan to bring my account out of the red and back to good standing. She gave me a few alternatives. 1. Get a payday loan and 2 ask my business landlord for the rent back. I was appalled at these suggestions. I am now over {$2200.00} in the red as they keep charging me {$39.00} for sustained overdrafts.
Product: Checking or savings account

On XX/XX/ 2018 my account was presented with a charge for {$39.00} and the bank paid the amount out. This caused my account to overdraw. I had opted for a service when I opened this account that would prevent overdrafts by not paying if there was no money in the account. My local bank was taken over by a large bank and they said that they changed my preferences to allow overdrafts. The said that they mailed me a notice, but I never saw it. The bank then proceeded to charge consecutive overdraft charges every five days. They also said that they were allowed to do this now that they are a different bank then the one I signed up with. Once my account was overdrawn for over a month they forced closed my account charging another {$50.00} for a total of {$320.00} in bank fees, at the time my account was closed after the {$50.00} charge my negative balance was {$360.00}. The amount I am negative in the account is {$40.00} and the bank fee 's are {$320.00}. This is 800 % in fee 's in just over one month.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to follow up the previous Complaint requesting the removal of the fraudulent accounts and information off of my Credit File. It is important to emphasize that, according to the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are causing significant harm to my creditworthiness. I did not open the following accounts neither did I authorized anyone to do so in my behalf, therefore I need you to remove the following items as soon as possible : XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX  Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$300.00}. I want to make it clear that I have already reported this fraudulent activity to the appropriate authorities and provided all the necessary documents to prove the fraudulent nature of these items. I have also requested that the responsible creditors investigate the matter and remove them from my credit file.
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on XXXX XXXX about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ask this company to verify the information on my report by providing documents, and they refuse to send any information, but the items remain on my report, and this is causing a financial hardship in my life.
Product: Checking or savings account

My name is XXXX XXXX. I have been banking with Citi bank close to 3 years now. On XX/XX/14. I was unable to use my debit card at target. So I tried accessing my mobile app on my phone but it told me to call bank. I called citi bank and I asked them why was my card not working. I asked to speak to a supervisor but they denied my request. And finally the agent said fraudulent activity. I was told that I have {$550.00} in my savings and I had between XXXX to XXXX dollars in my checking. They told me I had to wait 8-14 business days for the remaining in my account. I got a letter today saying that my account is closed. I called citi bank to get a estimate date when will I receive MY money. Now they are telling me 30 to 60 days. I have to pay my bills and this is a big inconvenience. All I needed was an explanation but they are not telling me anything. Why should I have to wait for MY money. Citi bank is the worse bank I ever had.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's data breach exposed my personal information. I am filing this complaint as I am upset that Equifax did not reach out and notify those affected ; they report the breach ended in XXXX. It 's XXXX. Additionally, I would like to know what types of my information was hacked. For example, did it include my driver 's license number, social security number, etc. As consumers whose information was taken fraudulently, we are entitled to know what information that consisted of. Very disappointed in the lack of transparency and assistance by the company at this stage. Also disappointed that in an effort to check if I was impacted, there is a clause built in to the process that prohibits you from seeking legal action against the company going forward. Dishonest business.
Product: Checking or savings account

Here is the email I attempted to send to the bank on XX/XX/2021 To whom it may concern, I am extremely unhappy with my experience with your bank. I opened this account on XX/XX/2021 in order to save money for my daughters college tuition. Your bank has made what should have been a happy occasion a very sad and stressful one. I have had the account for just one week and the only activity I have on my account account were two {$1000.00} deposits that I initiated from my checking account with XXXX XXXX dba/ XXXX. I also added my checking account with XXXX XXXX XXXX XXXX specifically to transfer funds from my military retirement  pay to my daughters tuition fund. Somewhere in this very limited activity you claim evidence of fraud. On XX/XX/XXXX I received an email from Synchrony Bank stating that my account had been restricted and that my available balance was no XXXX dollars. I have contacted your customer service department at XXXX on XX/XX/XXXX and have done all I can to demonstrate that I am the owner of the external accounts listed with my savings account. I confirmed all my information with your customer service representatives and I am more than willing to send further proof in the form of bank statements or put you in contact with my banks in order to confirm that I am the owner of these accounts. This is what I am told your reason was for restricting my accounts. I am told my second XXXX dollar transfer did not complete before you restricted my account and as a result will be sent back to the originating account shortly. I do pray that is the case as I intend to file a report with the CFPB https : //www.consumerfinance.gov immediately. I am uploading a copy of my monthly statement from my bank after I requested a means of proving ownership of my account to your bank. They immediately complied with my request and I expect this to serve as adequate proof that I own the account in question. I am sending screenshots of my credit union account to demonstrate proof of ownership also. I am also sending a copy of my drivers license with current address. I expect someone from your bank to contact me and clearly explain why this even took place and when my account will be available immediately. I have been patient and have done my utmost to assist in your " investigation '' but I will not wait 30-60 days for access to my money. I am a XXXX military veteran on a limited income. I can be reached at # # # # # # # # # # and anticipate a call as soon as possible. 



I was unable to send this email as the Synchrony Bank website kept returning the email as undeliverable.
Product: Money transfer, virtual currency, or money service

On or around XX/XX/2019 Psypal stayed notifying me of some sort of item that someone had sold using my psypal account. I immediately replied to the emails stating I had never ever sold anything on my account and didnt even know how to. Only to find out later no one answers or reads those replies I sent. Was told I need to go on my account to resolve. After many attempts and their site not being user friendly, and trying g to reach them by phone to no avail, I have up. They then eventually added an {$800.00} charge to my account and demanded I pay for it. I am now being harassed by them by email and phone to pay this fraudulent charge to my account. I have no idea what to do next and they are charging me interest. I did have a balance on my account at the time they suspended it and before this charge was added .... which I will gladly payoff once the correct amount is billed and my account reinstated.
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. 

Accounts 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 XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States 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 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 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: Bank account or service

I have a retirement account at Wells Fargo setup through my employer. At the beginning of the year Wells Fargo sent a notice that all future retirement statements would be sent electronically unless I opted-out and requested them to remain sent by mail. Since then I have NEVER received it by mail even though I requested it several times. Each quarter I am re-signed up for electronic statements even though I do n't have an online account. I am then sent an email stating that I have requested it to be sent electronically. 

Every quarter they claim to change my delivery preferences but I NEVER EVER GET IT! I believe it is a deliberate attempt to force me into agreeing to their online XXXX which requires me to relinquish several of my rights. 

I have never agreed to have this account and have stated my distrust repeatedly. Wells Fargo has it setup with my employer so that my employer can make cash donations to Wells Fargo in my name. There is a retirement fund ( which I can not close ), which donations are made to ( which I can not move ), and all of it gets taken by Wells Fargo for " Bookkeeping Fees ''. They should be investigated for fraud and should NOT be able to use peoples identity against their will to launder money! 

Wells Fargo also uses my personal information to send me constant solicitation which I have requested numerous times to stop.
Product: Credit reporting or other personal consumer reports

There was a {$2.00} balance on my account and I have a card and bank account connected to make payments. My bank account had the {$2.00} available but every time I tried to make the payment on their app I got an error message. I was only able to make my payment after speaking with a representative. Now my account has been reported as XXXX  days late to XXXX, XXXX and XXXX which resulted in damaging my credit score more than XXXX points due to their error.
Product: Debt collection

XXXX XXXX XXXX , XXXX are attempting to sue me for a debt. The company has used unfair, and unconscionable means to collect or attempt to collect debts. The company did not present the original contract. Pursuant to 15 USC 1692 ( I ) ( b ) : Authorization of actions : nothing in this sub chapter shall be construed to authorize the bringing of legal actions by debt collectors.

This debt collector has placed derogatory items on my consumer credit report and participated in identity theft regarding my information. I have never given this company direct consent to obtain any of my information. 
The company had its attorneys reach out to me in which no remedy was given. Pursuant to 15 USC 1692 ( e ) ( 3 ), attorneys are of false representation. However, my instruction for remedy was not completed properly. Both companies have violated the TILA, FDCPA and FCRA. I would like remedy and this matter to be resolved immediately.
Product: Payday loan, title loan, personal loan, or advance loan

I worked with a BOT  on the affirm.com and provided a screen shot of the 2 accounts I am being charged twice. One of the purchases was made through the website XXXX and the other through XXXXXXXX XXXX. Both purchases that are showing how each company has 2 purchases with the same order # information. XXXX XXXX and XXXX XXXX, XXXX. I did in fact make 1 purchase at each of these businesses. XXXX on XX/XX/XXXXXXXX XXXX  for {$52.00} and XXXX oXXXX XXXX  for {$83.00}.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple over draft fees applied to my account. These fees were assessed despite having sufficient funds at the time the transactions were authorized. However, due to the delayed posting of charges and credits, I was unfairly charged fees. 
This issue appears consistent with the recently findings by the CFPB, which identified similar practices by navy federal credit union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto finance was informed of my late payment in XX/XX/2020 due to COVID 19 and I sent in documents twice explaining my job loss and difficulty paying on time due to COVID for 1 month. I paid off my loan amount and they promised to remove the 30 day late payment. It's been 3 months and Ive constantly asked them to remove it after they promised to remove it. 

Its on my XXXX  report and it's hurting my scores detrimentally. I would really like some assistant with getting a response out of them on why it hasn't been removed yet. It's not reporting on my XXXX  or XXXX.
Product: Debt collection

They keep calling my reception desk but not leaving messages on my voicemail.
Product: Credit reporting or other personal consumer reports

My accoun was never late! I have had exceptional payment history 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 to be 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.

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! 


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

Received a debt collection notice via mail on XX/XX/2018. Company that supposedly purchased the debt ( {$1800.00} ) is XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Ga. XXXX. The current creditor is shown as XXXX XXXX XXXX XXXX, XXXX which is also located at the above address. Have called XXXX several times with no answer or response. Original debt was supposedly XXXX XXXX, a company that does XXXX  work and was closed and later bankrupt due to medicare fraud and other bribery issues. Have never heard of any of these companies and am 100 % sure that I would have no need for the services that XXXX XXXX provides. This appears to be a scam. I have attached the mailing for your use. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my XXXX credit report. XXXX2017. I have been disputing 2 accounts that DO NOT belong on my credit report. XXXX XXXX XXXX XXXX XXXX  and XXXX. First off the XXXX is time barred and should be automatically deleted. The XXXX XXXX XXXX XXXX XXXX  was to be deleted off my credit report as well. I have been disputing these accounts for over 8 months now. XXXX  has done there investigation and these accounts were verified to delete and they did delete them off my XXXX  credit report. XXXX just keeps sending me that they did there investigation and the creditors have said they are reporting accurately. This is completely wrong because the XXXX account like I mentioned earlier is time barred and also besides that the account was paid years ago in FULL. Plus I do not no how they are verifiying this information because XXXX is no longer in business. That right there tells me XXXX is not doing a proper investigation. Having these 2 accounts report as negative are affecting my credit score in a very negative way. I do also have to state that I want to thank the fcra in assisting me in the past.