23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My XX/XX/XXXX Capital One statement shows a balance of {$240.00} and a minimum payment of {$25.00} due by XX/XX/XXXX. The XX/XX/XXXX statement shows an electronic payment of {$240.00} posted on XX/XX/XXXX, and an interest charge of {$2.00}. 

I contacted Capital One on XX/XX/XXXX to dispute the interest and spoke to XXXX, who told me that " the way our computers calculate interest is kind of funny '' and that if I pay the {$2.00}, my next statement will have a XXXX balance. I stated that I will NOT pay that amount, and requested that it be removed from my statement. XXXX then informed me that " she did see an option for a waver of the interest charge '' and that " as a one-time courtesy, she would provide a credit to my account which should be applied within seven to ten days ''. 

While not germane to the issue, the payment submitted was a balance transfer to an interest-free account with another creditor. I believe this is relevant because less knowledgeable consumers would probably attribute the interest charge to how the balance transfer is processed and assume it is legitimate. 

My obvious complaint is that first, I was charged interest on an account which does not assess interest on balances which are paid off by the due date, second that instead of an apology I was instructed to pay the fraudulent charge, and third that instead of being treated as an oversight, the issue was " resolved '' with the insinuation that the company was doing me a favor by correcting their fraudulent charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed with trans union a dispute Report Created On : XXXX/XXXX/2021 File Identification Number : XXXX Provided by TransUnion Consumer Relations This account is XXXX XXXX XXXX XXXX XXXX $ it isnt my account address and entire social security number does not Match this is not my account removed immediately provide proof that this is my account I request you show my the entire social security number and address match me if not remove it asap before I enter law suite
Product: Credit card or prepaid card

they lowered my credit limit without warning and refuse to help me resolve the issue.
Product: Debt collection

In XXXX, I was renting an apartment with a lease along with two other people from the XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and I left at the end of the fall semester of XXXX due to XXXX XXXX issues with my schooling at XXXX XXXX . I was under contract thru the summer of XXXX and on XX/XX/XXXX I went to the XXXXXXXX XXXX office along with my aunt, XXXX XXXX, to pay off my contract amount and settle all issues with the Lease. {$7100.00} was paid to the XXXX for settlement of all amounts owed according to the person who was working in the office. I asked repeatedly if we were all good and complete and the lady assured me that all was completed and settled. XX/XX/XXXX, almost 18 months after I paid off my lease, I received a letter from Pro-Collect demanding payment of {$1200.00} for unpaid monies due the XXXX. I contested the amount due and returned the paperwork per instructions. But then I started receiving collection calls. I asked about the dispute resolution process and was told by the Pro-Collect caller that they had no response from the XXXX and so they would continue to call and try to collect and then the threats began. I immediately sent a letter to Pro-collect, the XXXX and their holding company in XXXX, including copies of the check written to pay and all the details. To date no response from the XXXX. Pro-Collect has reported this to the credit bureaus and now my credit score has been affected. In XXXX. XXXX, I received a letter from a law firm in XXXX threatening we with legal remedies about this alleged debt. It included the detailed ledger of the account and it was clear that the XXXX continued to charge me with miscellaneous charges after I gave them notice and paid the amount they said I owed. The amount they say is due is a sum of these miscellaneous charges after I vacated the apartment. I responded again to the law firm, explaining all details again and copied the XXXX. I sent a letter in XX/XX/XXXX to the XXXX requesting that they correct all this and stop the threatening phone calls from Pro-Collect. As of this date I have never received any response from the XXXX and their owners even though my letters were sent with tracking so I know they have been received. I would like this debt cleared with Pro-collect and my credit report corrected. I believe the XXXX is fraudulently trying to collect money because I am a young, ignorant, XXXX but that is not the case.
Product: Debt collection

I received calls off and on for over a year from Portfolio Recovery Associates in an attempt to collect an alleged debt from a family member. After requesting multiple times to be removed from the list and reminding them it is illegal to contact me, they continue to do so. In a recent phone call, they disclosed the individual 's home address, last four of their social security number, the type and amount of the alleged debt, and the company the alleged debt was with they are representing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX Inquiry from M & T BANK XXXX  on Date : XXXX XXXX XXXXXXXX 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 an account without my written instructions.

This inquiry from M & T BANK XXXX is fraudulent, because I did not authorize this company to pull my credit file.
Product: Debt collection

Subject : Dispute of Invalid Collection Account Reported by National Credit Systems I am writing to formally dispute the validity of a collection account listed on my credit report. Despite multiple attempts to contact National Credit Systems via mailthree of which were returned to XXXX have been unable to resolve this matter. Furthermore, when I contacted a representative from National Credit Systems on XX/XX/XXXX, I was informed that she was not authorized to provide me with their mailing address. I subsequently spoke with the manager responsible for my collection account over the phone, but he was unable to assist me. 

Details of the Disputed Account : - Debt Collector : National Credit Systems - Original Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX - **Amount : {$5500.00} I believe this account violates both federal and state laws regarding debt reporting and the applicable statute of limitations. 

Although, the Consumer Financial Protection Bureau ( CFPB ) oversees the enforcement of federal consumer financial protection laws, while state governments have their own laws and regulatory bodies that may also govern contracts and debt collection practices within their jurisdictions. 

Under the Fair Credit Reporting Act ( FCRA ), any negative information reported by a collection agency must be accurate, timely, and verifiable. Section 605 ( a ) ( 5 ) of the FCRA stipulates that a collection account may only be reported for a maximum of XXXX years from the date of delinquency that led to the collection activity. However, my credit report indicates that the date of delinquency for this account exceeds the applicable statute of limitations for debt collection in Texas. 

In Texas, the statute of limitations for debt collection related to an apartment lease is XXXX years, as per the Texas XXXX XXXX, XXXX XXXX. Given that the date of delinquency for this account is from XX/XX/XXXX, it should no longer be reported or collected upon. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action to ensure that this account is removed from my credit report. Additionally, I ask that National Credit Systems cease all collection activities on this invalid debt. 

Thank you for your attention to this urgent matter. I look forward to your prompt resolution.
Product: Credit card or prepaid card

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 


As a consumer by law, these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already been involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Debt collection

JEFFERSON CAPITAL SYST Has re aged an old debt and reported it on my credit as a new debt hurting my credit score
Product: Debt collection

I am writing to you regarding XXXX XXXX XXXX and the offices of XXXX XXXX XXXX. There are multiple issues with this company and they require more space than available here. First, XXXX XXXX XXXX has been filing lawsuits and citing exhibits which they do not attach to the complaint. They sent the complaint to the wrong address and tried to get a default judgement. I filed a request for production of documents to prove that I owed the debt and they stated that they could not produce the documents which violated my right to defend myself and they proceeded with the claim. THey had attorneys file claims stating they had personal knowledge of the debt when there is no way they could have which is in violation of XXXX XXXX 's agreement with the CFPB. In addition, one particular attorney, XXXX XXXX, made threats to defendants telling them he was giong to force them to do things. XXXX XXXX believes that he owns the people that owe money and he treats them without dignity and regularly makes threats to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing 3 accounts with equifax since XX/XX/XXXX XXXX equifax had deleted 1 of the accounts in regards to that dispute but NEVER sent me written results on the deletion on the remaining 2 accounts. XX/XX/2022 I sent equifax another letter specifying why were the remaining two accounts not investigated. I have not heard any correspondence nor have gotten results in regards to that dispute. it is now XXXX XXXX XXXX and I checked for a update on there website and I noticed both accounts still have not been investigated due to lack off notice of a investigation completion or a investigation in progress notice from equifax in the comments section on both accounts. I believe equifax is practicing non compliance procedures and illegal practices. it is not fair that I have to wait all this time by giving them there respectfully business days to complete there thorough investigation just to confirm that they had not done a investigation to begin with. equifax procedures are causing my credit file much damages because it is defaming my character to gain new credit line opportunities. equifax never sent me written results nor all legal disclosures that should be attached to there results.
Product: Debt collection

I had debt that was charged off by bank of America, their collection agency charged me for most of it in payments, the last XXXX dollars owed were garnished from my wages by a NV court in favor of Bank of America until debt was paid in full. 

Bank of America still shows the balance as unpaid even after disputing it through credit bureaus.
Product: Debt collection

On XX/XX/XXXX, I was served a summons I was being sued over a medical debt from XX/XX/XXXX. I had no clue about this debt OR that it had been purchased by a collection agency. 
When the services were initially rendered, I had been terminated from a government sponsored medical plan a week or so prior and didn't know I was uninsured. I had given the admissions person the XXXX information when I was seen in the ER. I found out later that day when I tried to fill a prescription, that I had been terminated from the insurance. 
I never received a bill for the services, so I thought it had been paid by XXXX. 
I moved to my current location in XX/XX/XXXX. I had the same phone number from XXXX - XXXX. I also had a job at the same place during that time. 
My first notice of this debt was the summons to appear in court for an outstanding debt of {$1000.00}. 
I have been attempting to fight the civil case in court per se since our first court date. Professional Finance Company, LLC has never called me or attempted to remedy this debt outside of the court proceedings. I attempted to settle for {$250.00} with my paperwork during discovery. No response, only another court date. 
Not only did I NOT know this debt was still owed for 4+ years, I didn't know it had been sold to this predatory company. They sued me without ever trying to contact me.
Product: Checking or savings account

Hi my name is XXXX XXXX. I bank with bbt XXXX NC. My savings account was overdrawn by almost XXXX dollars. Well my XXXX check went in on XXXX XXXX next morning my card was XXXX. I called the bank the lady said she would unfreeze it ok cool.well.well the next day they took the XXXX and left me with almost nothing. My check was for XXXX. She did n't say there was a possibility there going to take that amount. Now I ca n't make my house payment. At least waive the fees or take half this month and the rest next month. Or split the difference all together. Thanks, very concerned citizen. XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns using Zelle with my banking institution particularly in light of the the recent CFPBs lawsuit highlighting the specific issues with the platform. Despite using Zelle numerous times and reporting numerous discrepancies via claims my bank and Zelle failed to do adequate investigations with my claims. I have been informed that recovering the loss funds were impossible and that the tracking was infeasible. The CFPBs findings indicate that Zelle not only has failed to protect its consumers but it has allowed repeat offenders to exploit the system leaving XXXX consumers vulnerable to scams. This lack of transparency and accountability is unacceptable and raises concerns about our consumer safety.
Product: Credit reporting

XXXX accounts I found on my credit report. I have sent numerous letters since XXXX. XXXX out of XXXX accounts were removed. The other XXXX I have asked for hard proof of my signature to those accounts, or any validation in paper these accounts belong to me. And they can not come up with nothing.
Product: Credit reporting or other personal consumer reports

I have a chase credit card and XXXX of the perks is credit reporting and alerts. I received an alert yesterday XX/XX/XXXX that inquiries are made into my credit by XXXX XXXX quick Google search got my to realize this is a collector. Then I noticed XXXX other alerts on that credit report made prior to that one ( done by Experian ) where it says that on XX/XX/XXXX there was a new loan from XXXX XXXX. I DID NOT secure any loan with this company and was shocked to see that Experian is reporting this loan was opened on XX/XX/XXXX and then on XX/XX/XXXX seems like balance was past due so all these alerts were in my chase mobile app for me to discover through. 
I called Experian immediately they told me to dispute it online on their web site. Web site kept trying to sell me their protection plan and identity theft ( very funny I know ). 
After that I called you where I was told to freeze my credit with all XXXX bureaus which I did. Then I also learned that Experian is the only one that is showing this loan with XXXX  ( how odd ) this is suppose to be trusted agency but they run my XXXX XXXX XXXX to XXXX in XXXX  months meanwhile my credit score remains at XXXX with XXXX and there is no mentioned of this loan and past due balances there. Everything that XXXX is reporting is accurate. 

Now my next call was to XXXX XXXX company where this loan apparently is coming from who said they will send me an email confirmation saying that I do not have loan with them and that loan is fraudulent. I am yet to receive that email ( guessing never ). 
That did say they apparently have all my information but wouldn't disclose any of it of course. They also gave me a case # but I don't trust this company after reading similar stories on XXXX. 
I didn't receive anything at my home address any bills any confirmations of this loan ever be made in my name or anything. All I see is this inquiries into my credit made by Experian on their credit report which is false. 
Once I made a dispute with them I received an email saying it will take them XXXX  days to get back to me. 

At this point I do not know who to call and where to go to really know if my identity was indeed stolen or is this just some random mistake made by Experian in credit report. 

It seems really odd to me that this XXXX company can just put this into my credit report and run my credit score into nothing without ever reaching out. What if I really needed my perfect score right now. Who gives them this much power. I was very surprised that this same company Experian who basically decides you credit score faith has score of B- on XXXX. That is really something. 

Am I suppose to report this to police? As of right now no debt collector is after me and no mail has come to my home regarding any loans or open balances from XXXX XXXX yet Expirian is showing this information in my credit reporting.
Product: Debt collection

A collection appeared on my XXXX credit report on XXXX XX/XX/year> for Payliance. On XXXX XXXX on XXXX forPaylaiance. On XXXX XXXX for XXXX for Cybrcollect. All referencing XXXX for XXXX. I filed a report with my local Sheriff 's office on XXXX XXXX XXXX # XXXX.
Product: Credit card

Re : Illegal credit card interest billing practices at Bank of America , N.A . 
To The Comptroller : On my XXXX XXXX, 2015 billing statement, I had an active dispute in process for {$340.00}. With the exception of this dispute, I had paid my previous month 's statement in full through Bank of America 's auto debit program. 
Bank of America illegally charged me a minimum interest charge of {$1.00} on the active dispute amount. They have since agreed to rescind the charge. 
I am writing to bring your attention to the illegal interest billing practices actively in Bank of America 's billing system. 
I am certain that numerous Bank of America customers have been illegally charged interest amounts on active dispute amounts. Bank of America should be investigated fully for this billing issue and prosecuted to the fullest extent of the law by the OCC and CFPB. 

Regards, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Product: Debt collection

This company contacted me about a balance owed on a car that was under my name that I did not own. Upon doing research I was contacted by an insurance company telling me about the totaled car that was in my name but insured for a totally different person. I found out that it was my ex who got a car in my name then crashed it months later. I got with a credit XXXX and they submitted things to all XXXX bureaus. XXXX is still the one that has yet to remove Truist from my report. The insurance paid everything but about {$2000.00}. And that is what im in delinquency over. Something I never even knew about. I had a credit score of about XXXX and now it sits below XXXX. I have great credit history and no bad remarks. This being on my credit is impacting me not being able to get a home. 

They keep calling me harassing me over this debt which I thought the credit repair guy that I paid handled. The insurance company didnt cover the full amount of the loan amount and that is what is left and what took my credit score down. Something I didnt even know about.
Product: Student loan

I reached out to the U.S Department of Education requesting the balance of my loans and was told I had a state loan that was reporting defaulted to the credit bureaus also. I was told to reach out to the NYSHESC - New York State Higher Education Services Co. ( XXXX ) XXXX. I was told there was an outstanding balance of {$650.00} remaining from a XXXX loan of {$3500.00}. I spoke to a representative for Federal Student Loans on XX/XX/XXXX and on XX/XX/XXXX I spoke to XXXX, NYSHESC. According to my payments and records this loan balance is not accurate and I think the balance on this account should be reviewed, updated and brought to zero balance. I would like ; A. NYSHESC to review my record and send update to all three major credit bureaus ( XXXX, XXXX and XXXX ) B. The NYSHESC should remove the account from default status and stop reporting it as such to the credit agencies. 
C. The NYSHESC should ensure the account is accurately associated with my name and is accurately attached to me.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX