23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

We have both lost our jobs in XXXX, yet we were able to pay our XXXX payment with our savings. Our payment was due on XX/XX/2020. On XX/XX/2020, Flagship began calling us. We explained one of us would begin a position XX/XX/2020 and the other on XX/XX/2020. We did not know at this time what our first checks would be on XX/XX/2020 ; however, we would have rent due and would do our best to make a payment on XX/XX/2020. Flagship has been calling EVERY DAY since XX/XX/2020 to both of us. The one who began their job on XX/XX/2020, lost her job due to her phone constantly buzzing at her desk due to the harassment from Flagship. I have been receiving phone calls from Flagship when the other borrower would not answer. I kept explaining to them that we do not have the money at this time, we do not know how much we will have on the XXXX, please to quit calling as it will cost us our jobs. On Sunday, XX/XX/2020, XXXX from Flagship called once again. I advised him that the other borrower has lost her job thanks to them constantly calling her and I start my new job on  Monday, XX/XX/XXXX. I am turning off my phone during my work hours since I can not afford to lose my job. I do not know how much we will have now since we will not have a full check from the other borrower. I was hanging up now since I was very upset with the treatment from Flagship. XXXX threatened me with " don't you dare hang up on me - I have control over your vehicle and can stop you from going to work ''. I disconnected the call.
Product: Debt collection

I received a mail from National Recovery Agency ( NRA ) that claims I owe XXXX XXXX payments ( {$20.00} each ) on XXXX/XXXX/11 with total of {$61.00}. On top of these payments are the same on the same day from a utility company, the account listed does not belong to me. After the mail, I start to receive morning calls to my house every day from a woman claiming to be from NRA.
Product: Debt collection

To whom it may concern, I am writing to delete the following information in my file : ENHANCED RECOVERY CO L XXXX It shows that this account was opened in 2018. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.
Product: Credit reporting

I have contacted equifax to see what is going on with my credit and they would provide me any information because my phone number did not match the XXXX on file an i want to get this resolved an dispute all the items on my credit report because they are not mine and the credit bureau is not helping me.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX Balance : {$720.00} XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$520.00} 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Remove Inaccurate Information from my Credit Reports. Account # XXXX Date : XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is entirely accurate and correct. The following information, therefore, needs to be re-investigated. 

Account : # XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscribers.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is as a result of this requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

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

I previously requested that both XXXX XXXX XXXX XXXX, XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) and your bureau on XX/XX/year>2024 provide valid documentation to substantiate the alleged debts in question. However, the responses I received consisted solely of billing statements, which do not constitute valid VOD as defined by the FCRA. The collection agency has failed to provide adequate proof of the debt, including the original contract, payment history, and any other documents necessary to validate the account. This lack of compliance with my request is a violation of 15 U.S.C. 1692g, which mandates that debt XXXX provide verification of the debt upon request.
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. 

Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX  XXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXX has violated my rights. 

15 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 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: Credit card or prepaid card

On XX/XX/20 around. XXXX CST an estimated amount of {$2800.00} was transferred out of my account onto a debit card that didn't belong to me and refuses to attempt yo resolve this issue. I did not authorize this transaction and I need my money to be available to me as it has always been.Please take this matter urgent
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are refusing to give me my reports. All my consumer reports, XXXX  reports, and IRS transcripts show someone else has veen usi g my name and social with incomes, taxes, insurances, XXXX, medical care, and now they are refusing to send me my reports. I have a ton of breach reports and now XXXX XXXX for my tax acxountant breach and still not being given my repirts.
Product: Student loan

I have a loan with XXXX that is serviced by AES. They unexpectedly, without permission, or explanation extended my loan term in order to collect more interest. This is contrary to the contract I signed and, without consent, I believe it is highly illegal. I had to hire a financial adviser in order to figure out what happened as I called them on 2 occasions and was told my loan was recalculated and that in the past I was overpaying. I have attached a loan term from XX/XX/XXXX and XXXX from XX/XX/XXXX that shows the 60 months being added to loan XXXX distributed on XXXX/XXXX/07. Again I did not request this. The excess interest that they are attempting to cheat me out fo is XXXX. I am sorry to keep filing complaints I just desperately need help.
Product: Debt collection

I keep receiving a call from XXXX, A company called City Management. This guy says his name is XXXX. He claims he has a complaint against me from XXXX from some payday loan place. I asked him to send me the paper work, he is refusing. I told him to send me the paperwork or stop calling me. I hung up the phone. He called right back, and in the message he left, he was reading me my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes with experian and XXXX to have the account removed early via early exclusion. The creditor then updated the account status to only show that it was charged off and subsequently removed all late payments and on time payments. An account CAN NOT BE charged off if there were never any late payments. I have screenshots of previous reports. I have reached out to XXXX, Experian, and XXXX ( XXXX  XXXX ). XXXX XXXX has said they are unsure why the payment history changed and are opening an internal investigation. This account is going to be falling off in XXXX and XXXX based on what dates each credit reporting agency has. I would ask that XXXX  XXXX or XXXX  please allow early exclusion of this as Im in the middle of a getting mortgage and the careless and frankly shockingly alarming error that XXXX ( XXXX  XXXX ) has made here has tanked my score by XXXX points for my regular FICO score and almost XXXX points for my mortgage score. If they didnt want to approve it being removed early via early exclusion then they should have simply said that and not tried to fix something that wasnt broken in the first place. This is going to mess up my entire mortgage application and Id like this fixed by either putting the payment history back to what it was or by removing this account from my report all together. Im not sure if at this point putting the payment history back to what it was would even remedy the amount this has tanked my score.
Product: Bank account or service

Overdraft fees were computer manipulated over the holiday week of XXXX and new years. All the money was in my account to cover all with drawals. Some transaction did not show for a week. With ease money was switched from my account to citizens bank. Simply Bank fraud and manipulation. I have been overseeing the manipulation for 40 plus years. I appreciate your agency help me return my hard earned money.
Product: Checking or savings account

On XX/XX/XXXX I discovered a fraudulent check written and funds {$5000.00} withdrawn from my Suncoast Credit Union account ( savings ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX. The check was written, and money withdrawn on XX/XX/XXXX. I went directly to the bank the morning of XX/XX/XXXX and signed the banks form notarized at the bank ; which the bank submitted to their fraud division. ( Bad Check Complaint Form ). They did not provide me a copy of this form. I also called the police that morning and they sent an officer to come to the bank. The officer said they do not handle this and gave me a information on a web site to file a report. ( Identity theft.com ) and a piece of paper with Victim of Bad Check! I have called the Fraud division of my bank on numerous occasions who informed the have my signed bad check complain form but are back logged and different people at the bank have given me different time frames. One said 2 business weeks another, this was a senior member advocate at Suncoast, said up to a month. It has been 1 month today and so far, no return of funds and nor resolution and no answers given to me.
Product: Debt collection

XXXX XXXX  after a few attempts to collect the debt sold my account for pennies of the dollars to Credit corporation solution with a balance of XXXX which includes XXXX of principal ... {$1100.00} ( Interest ) and {$360.00} in fees Which i think is a rip off ... so now Credit corporation solution Inc XXXX XXXX XXXX XXXX XXXX  XXXX XXXX .UT XXXX XXXX XXXX I went trough a XXXX XXXX, Im able to pay XXXX XXXX  directly but collection agencys are living and making profit from people which is abuse, its is a disgrace.Even if you decided to pay the collection agency that record stay for 7 years Hurting your credit score
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX 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 60 days 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 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 XXXX
Product: Credit card or prepaid card

I 'm constantly hit with late fees on my Toys  R us Store card.  The latest being  XXXX . In  XXXX  I was hit with a {$35.00} late fee so I signed up for automatic draft from my bank. The site told me to continue making payments until I receive notice that it went through. So  XXXX  I ma de 2 payments 1 using  an outside banking app and the second on the company website. I used the same saved bank info that I used for the recurring payments so nothing was changed. The payments went through with no problems. In  XXXX  I made a payment on the outside app. So in  XXXX  the recurring draft went through and the money was removed from my account. Now I 'm told my payment did n't go through and I 'm charged a {$35.00} late fee.
Product: Debt collection

XXXX XXXX  of whats on my credit report isnt even my debt or it is I wasnt notified of it being sold to creditors
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Paid for debt cancellation Was medically discharged Omni attempting to circumvent policy Omni has not once provided required documentation per the FDCPA Omni reporting 1 account as 2 trade lines on XXXX making it appear as XXXX in charge off
Product: Debt collection

Texted me at XXXX p.m. which is a violation of fdcpa.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a an overdraft protect line of credit. it is setup for automatic payments. The bank failed to deduct the monthly payment from my account and therefore payment was late. 

I walked in the branch inside a XXXX XXXX XXXX and made a payment. The payment was not posted the account until the XX/XX/XXXX which is 3 days later thus making the account delinquent. 

Funds were in the account, Citizens failed to move money to satisfy {$20.00} monthly payment, thus resulting in 20.00 $ late fee and derogatory reporting to credit bureaus. 

the bank lost {$90.00} that later they found and applied to my account. 

The bank is charging me fees on fees, depleting my account of funds and then reported me late with the intention to damager my credit standing. 
I called and spoke with a lady who open a dispute case for me and gave me a case number XXXX and said in two weeks call to follow up. When i called, i spoke with a rep called XXXX, who was condescending and unhelpful then asked to speak with his supervisor called XXXX who was no help either. None of them could locate my dispute case and wanted to transfer me to different department to start a new dispute. I asked to speak with XXXX 's Manager. XXXX XXXX who is supposed to call me in 2 business days. Another way of saying go away we don't want to help you.
Product: Debt collection

XXXX/XXXX/2015 -- I received XXXX inappropriate phone calls from the 'debt collectors ' Credit Protection Association XXXX just today! First call was at XXXX - which is outside of the allowed call hours. Then at XXXX - they called me XXXX times in a row. They did not leave a message, just called XXXX times in a row - using up my phone minutes and harassing me. I do NOT owe this company anything and I do NOT appreciate being harassed! I have not received any written communications from this company and I do not know what they is about. -- - Also, upon investigation into this phone number, you will find that they have hundreds of complaints for spamming, scamming, calling outside FDCPA parameter, etc .... they need be stopped.
Product: Credit card or prepaid card

I was charged two transactions on my Amazon chase Visa card in XX/XX/2021. I contacted chase they issued a new credit card. They said they would remove the fraudulent transactions off my bill. I have contacted their fraud department over 20 times. They have conducted 4 investigations and told me I was responsible for one of the fraud transactions. {$1600.00}. I talked to numerous managers with no help. The charge is still on my card. Interest for over 8 months. I gave them all the evidence they asked for and they still say I owe the money. I have an email from a manager at XXXX stating these 2 transactions on XXXX XXXX were flagged as fraud and never delivered. I sent chase a copy of the email. I also sent them a screenshot of my order history and I have no orders or deliveries on that date. I am up against a wall. I have XXXX kids. I really need help with this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed XXXX XXXX, XXXX XXXX, AND ALL CREDIT BUREAUS that I am a victim of identity theft and I did not create a XXXX XXXX account to my benefit. They deleted it off of my credit report and now it has been placed back on.
Product: Credit card

Someone tried to obtain a Capital One Credit Card in my name on XXXX XXXX, 2016. A hard inquiry was made with XXXX Credit Reporting Company. I have contacted XXXX, Capital One/Sacs Fifth Avenue, and Capital One and was told the information, when compared to my personal information was fraudulent. I was also told, the hard copy inquiry would be removed from my personal XXXX credit report but has not been removed as of today, XXXX XXXX, 2016. I want it removed as indicated and promised by credit company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are not reporting my credit card account with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX Account Number : XXXX My account is reporting with XXXX but not with the other two companies. Can you report this account with XXXX and Experian? 

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

As of a report that I obtained on XX/XX/2021, Equifax is in direct violation of multiple FCRA laws by reporting 4 the following alleged, invalidated debts in their database as derogatories, collections, and charge-off accounts : XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Equifax is is violation of the following FCRA statutes : 15 USC 1681, 15 USC 1692, and 15 USC 6802. 

I have notified Equifax via mail with supporting documentation that they are in violation of these statutes and that they need to remove this information from their database. I've spoken to them over the phone multiple times verifying that they have received the documentation, which their representatives did confirm receipt but they have refused to remove the alleged, invalidated debts. Which is why I am now reporting Equifax to the CFPB.
Product: Credit card

I made a payment to my Capital One credit card from my Capital One checking account. The payment was for {$68.00} on XX/XX/. On XXXX I was surprised to notice that my credit card had a past-due fee of {$40.00} posted on XXXX  On XX/XX/ the online ACH Payment was returned. I do not understand how it was returned when the money was in the account. Also, there has never been a time that Capital One did not retry another time if a payment did not go through. Instead, they just charged me a late fee and didn't take the money that was in the account. 

I did not contact Capital One because they only allow calls. They do not allow email or chat. I have no way to protect myself from what the agent says. It becomes my word against the agents. I am not allowed by Capital One to audio record myself. 

I have attached proof of my Capital One account to show that my account had the funds. So I am unsure why the funds were not taken.