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

XX/XX/XXXX I paid off a loan for XXXX XXXX XXXX. With USAA federal savings bank However they reported that I still owed over {$7000.00} even though I paid off before {$55000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped XXXX points from XXXX to XXXX due to an inadvertently missed payment of {$210.00} in XXXX of 2017 on a XXXX credit card. The missed payment was due to a paperless bill which was sent to an incorrect email account for an unused credit card. The charge was for the credit card fee and a recurring membership fee that I was unaware of. I immediately paid the balance when I became aware of the past due status but now it is reported on my credit report as late. As a result, my credit score dropped significantly - over XXXX points - for one missed payment. I never received a paper statement which would have allowed me to pay it on time. I also never received any phone calls about it.
Product: Debt collection

This account was sold to another Creditor and now I have two accounts Im axing this can be removed please Sprink Oak capital LLC its already on my credit. This is against the law one or the other.
Product: Debt collection

On XXXX XXXX XXXX, I received a letter from XXXX, stating " Thank you for your payment arrangement. '' Neither XXXX nor I had made any payment arrangement with this collection agency. We called XXXX XXXX at XXXX and denied such arrangement. She passed the phone call to a Bank of America agent. We informed both the Bank of America and XXXX that we did not have a Bank of America card, neither did we ever give permission for this collection agent to enter our account. XXXX has removed from my bank account from XX/XX/XXXX-XX/XX/XXXX at least $ {$1800.00}. Although in my XXXX years I had not applied for my Annual Credit Report, I did immediately. It was then that I discovered that someone had maxed out XXXX credit cards beginning in XX/XX/XXXX. I applied through the Federal Gov. Identity Thief to take steps to remove all these fraudulent cards from my credit. I have an official XXXX XXXX Police Report. I have also submitted a report through you of a complaint with the XXXX XXXX XXXX ( # XXXX XXXX Bank of America ( # XXXX. Since I was unable to submit the actions of Bank of America 's relative to the collection agency XXXX I am submitting a second request. Although Bank of America has withdrawn itself from my credit reports, Bank of America has ignored my requests for my financial repayment. I have sent numerous letters, with identification, including official police reports. This has been XXXX -- including XXXX. I thought I had excellent credit only to find out someone had stolen my identity.
Product: Credit card

I reported to this company that my card was stolen/lost. I am XXXX XXXX so it is very difficult to contact this bank. The bank issued adjustment but even after sending them the affidavit they requested they placed the fraud transactions back onto my account. I am XXXX XXXX XXXX this week and this stress of going back and forth with this bank is unnecessary. I will not pay for transactions that a thief/scammer had done on my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a notice from my employer, XXXX, that Checkr , Inc. had reported my drivers license as having expired on XX/XX/XXXX. While I did have a license that expired on that date, I renewed my drivers license on XX/XX/XXXX. I filed a dispute with Checkr, including a photo of my updated license in the report, and they launched a reinvestigation. Today, on XX/XX/XXXX, I received another email from Checkr stating that the information is accurate and they are not changing anything. When I reached out to the phone number provided to contact Checkr, I received a recording that stated they are not accepting calls at this time. The false report now remains on my Checkr background check and interferes with my employment.
Product: Credit reporting or other personal consumer reports

I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. 

Because I did not apply for credit with XXXX XXXX XXXX XXXX have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an investigation into XXXX XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter.
Product: Credit card

Bank of America reported my credit card accout XXXX. The exact same credit card number is reported twice with one having no credit limit information, and the other XXXX with a credit limit of {$8500.00}. Bank of America reports XXXX these accounts opened XXXX. Bank of America reported these on page XXXX and XXXX of XXXX pages on this credit report. However on page XXXX of XXXX on this same report Bank of America reports a third account opened in XXXX. I did not open XXXX credit cards with Bank of America in XXXX of XXXX! Why and how did Bank of America report this information? Why did Bank of America report my credit card account on page XXXX and XXXX then a third Bank of America credit card account on page XXXX. Why did Bank of America report my account twice as if it were two different accounts and why did they report the third account XXXX pages later on page XXXX on the same report? 
On XXXX credit report of the same year XXXX Bank of America reported this same credit card was opened in XXXX with {$26000.00} credit limit. When I reported my card lost/stolen in XXXX of XXXX Bank of America replaced it with the same credit card number as the one reported lost/stolen. I called Bank of America and asked them why they replaced my lost/stolen card with the same credit card number? They then replaced it with a new credit card number, but on the credit report they report it lost/stolen without closing it. Gave me a new credit card number very similar number except the last four digits. Bank of America then gave no answer for the credit limit, but later reports show that Bank of America reported the High Balance of that credit card as the credit limit. Why did they try to replace my lost/stolen card in XXXX with the same credit card number? Why did they change the credit limit so dramatically from {$26000.00} to {$8500.00} when they replaced my lost/stolen card. On the XXXX credit report Bank of America reported a third account. I only have one credit card with Bank of America, I remember they sent me a card in that same time period, I was not happy that they were sending me another card, it did n't make sense, so I called them. They said something along the line of " oh you do n't want it? '' I said no. This was around that same time in late XXXX. 
I did not open a credit card with Bank of America in XXXX, nor did I close it in XXXX. I do n't even think I opened a Bank of America credit card in XXXX, I believe I opened a XXXX XXXX, but not Bank of America. I only have ONE credit card with Bank of America. 
I want Bank of America to answer and explain all of the above inaccurate information regarding my credit card account in my credit reports. I believe Bank of America deliberately reported my accounts innacurately. Why? 
When this is explained by Bank of America I may need to take their answers to an attorney for processing it legally.
Product: Checking or savings account

XXXX XXXX drafted my account for {$960.00} on XX/XX/2021. I had revoked authorization with my insurance agent on XX/XX/2021 because I changed auto insurance carrier to XXXX XXXX. I contacted Wells Fargo on XX/XX/2021 to complete a Written Statement of Unauthorized Debit Form to have the entry returned as a Revoked Authorization ( as the NACHA Rules allow since 60 days have not passed ). I spoke to three different Wells Fargo employees on the phone that did not know what a Written Statement of Unauthorized Debit form was. I was told by all three employees that Wells Fargo can not return an ACH transaction as unauthorized after it has posted. The only thing that could be done is stop payment on future transactions and open a claim ticket to be investigated by Regulation E. 
Because 60 days has not passed, Regulation E does not yet apply. The ACH entry should have been returned by the ACH department as R07-Revoked Authorization. I know this information because I am an Accredited ACH Professional ( AAP ). 
I appreciate the CFPB 's assistance on this matter. This entry needs to be returned before the 60-day deadline passes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sick in the XXXX  with XXXX for 2 months and immediately upon discharge I contacted XXXX and made payment arrangements and was told by 2 different customer services reps on 2 different dates with the last date being XX/XX/22 where I was advised that even though I was in the XXXX with XXXX  that the CARES act did not apply to them and I could not get a deferment. I made arrangements to bring my account current and was told that I would not get a late payment and I would not be charged late fees. I was given both immediately after! I called back and asked the manager to review both calls which she did and said that would provide better training for staff but would not rectify my situation. I disputed with all credit reporting agencies. Experian DID NOT do a thorough investigation I disputed on XX/XX/22 and on XX/XX/22 it responded with verified
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian about inquires I do not recognize and I did not give authorization to. During the phone I was told that these are a statement of fact which they can not do anything about. 
I mailed a request disputing these same inquires and was told that these are a statement of facts again and they were not removed. 
I contacted XXXX and XXXX and had the inquiries removed due to the creditor not providing proof of having my authorization to access my credit file. 

The following inquires are the items I am disputing : Creditor : XXXX Date : XX/XX/XXXX Creditor : XXXX Date : XX/XX/XXXX and XX/XX/XXXX a month apart! 
Creditor : XXXX Date : XX/XX/XXXX Creditor : XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Was always able to borrow from XXXX. Now Im not able to borrow. XXXX is saying that PNC has made a change that prohibits me from borrowing.
Product: Mortgage

In XX/XX/2018, i submitted a request to have my escrow account removed. on XX/XX/2018, my servicer, Home Point Financial sent me a secure email stating that my account met all the qualification to have the escrows removed and to allow 30 days to process. which would be at the end of XXXX. I called them XX/XX/XXXX and the CR told me that the request would be escalated to a supervisor and to call back Friday, XX/XX/XXXX. I call them back today, now they are stating that I have to resubmit my request because my 24th payment was processed in XXXX, which no one at this company told me. I spoke to the Compliance department back in XXXX about this and they told me that after my XXXX payment I can request the escrow removed. 

I followed their directions and all this company has done is give inaccurate and misleading information. They have not provide me with any assistance or response, other than that I have to resubmit my request. They lied about their own process.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX 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 XXXX 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 XXXX AND XXXX 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  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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple dispute issues with Experian, XXXX and XXXX that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX XXXX XXXX XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer.

Here is my dispute to Experian, XXXX and XXXX ( below ). Due to the fact that these accounts are reporting inaccurate and have not been verified, corrected or deleted, they must be removed immediately from my credit report. 

Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? Congress states in XXXX v XXXX XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

XXXX XXXX XXXX Status makes no sense, delete this immediately : Experian and XXXX : closed/XXXX : open All 3 bureaus should be reporting the same information. What also doesnt make sense is that Experian and XXXX report a monthly payment of {$0.00} while XXXX  reports {$1000.00}! 

XXXX XXXX XXXX Im at a loss on how you can still be reporting this incorrectly when you had ample proof that this was incorrect. You are required to delete this immediately : Balance : Experian $ XXXX/XXXX $ XXXX/XXXX {$19000.00} XXXX XXXX XXXX Im at a loss on how you can still be reporting this incorrectly when you had ample proof that this was incorrect. You are required to delete this immediately : Balance : Experian $ XXXX/XXXX $ XXXX/XXXX {$68000.00} Past due : Experian and XXXX $ XXXX/XXXX {$0.00} Any correspondence received to and from you will be made available to my attorney as well.
Product: Checking or savings account

This has been going on for months - charged multiple Overdraft Fees when no more than one should have been applied. Same-day deposits not being applied to account for XXXX or more days, then being penalized for deposits not being counted, yet transactions still going through even after balance is low : balance is often low BECAUSE of Overdraft fees. While Reps try to be helpful, they're not able to correct/rebate multiple fees. Just yesterday I was charged an Overdraft Fee when, according to my Statement, my account wasn't even below XXXX ( see first Screenshot, taken today ). 

This is a recurring issue. On XX/XX/XXXX, I even called Citizens to see what my Balance was, and to make sure I had enough to cover what was being withdrawn the next day ( they can see upcoming/next day 's charges on their end ) - I threw a bunch of money into my account- which should have been same-day - and a Rep assured me I had enough to cover my purchases, as there were none coming up - but sure enough I DIDN'T have enough to cover purchases and I was charged even XXXX more Fee ( after XXXX Fees on the XXXX! ) on the XXXX. [ see additional Screenshots XXXX ] Several Reps have confirmed that all deposits are supposed to count first each day, over withdrawals. The system applies Fees even when Deposits are more than Withdrawals. 

Total Overdraft Fees since XXXX : XXXX x {$35.00} = XXXX Refund Requested, XXXX Fees x {$35.00} - {$170.00} Please start with Page XXXX of the PDF as it is the start of the Fee Journey. Thank you for your time.
Product: Bank account or service

I have been a XXXX XXXX XXXX for over 20 years. Throughout this entire period I have used credit cards issued by the bank. Since I do not reside in the United States, I have always asked my banker, XXXX, to pay my credit card statemetns with funds abailable in my account. Every month she send me copies of the statement and I give her a direct order to liquidate the outstanding balance. On the beginning of XX/XX/XXXX, XXXX informed that I had a credit card debt to pay given my expenses throughout the month of XX/XX/XXXX. I asked her directly in writing and over the phone to liquidate the debt. XXXX refused to, as per my explicit instructions, pay the debt outstanding, even though there were, and are, more than sufficeint funds to cover the amount due. I have asked her to provide an explanation, preferably in writing, as to why I am unable to use my account. Since the early days of XX/XX/XXXX, when we first discussed this issue, XXXX has not yet provided me with a clear explanation as to what is happening to my accounts. I have asked if my accounts are frozen to which I have not receieved any reply. XXXX has asked me for a wide assortment of documents which I have dilligently provided but I am still unable to access my accounts in any way, and, what is most troubling, have not received any kind of response. I fear that with an unpaid balance I could suffer deleterious effects to my credit score, not to mention the XXXX penalties and interest rates I will have to pay. Furthermore, this is my retirement money. I am suffering from terrible anxiety because I do not have any idea what is happening to my accounts and I have no idea what I can do to remedy the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mail off many certify to correct this issue with Experian ( XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX. 

I have recently been informed that there is negative information reported by XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing derogatory. 
I challenge the accuracy, compliance and report ability of this listing. 
Please validate this information with above listed accounts and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.
Product: Debt collection

I opened an account with PayPal on XX/XX/2018 and after I got things set up I immediately was told via email that my account was locked and limited in access. I went thru their process of uploading documents to regain access : I uploaded a bank statement, utility bill, and even my driver 's license, passport card, and I believe also my social security card to prove my identity. What happened was they attached an account to mine ( and I provide that account name in the docs ) that I've never seen before -- it is not mine. As you'll see from the many documents I provided, they repeatedly dismissed what I said, what I sent, and kept asking me to pay nearly {$600.00} of a debt I do not owe! The exact amount is {$580.00}! Moreover, they repeatedly kept sending generic, seemingly computer-automated emails requesting the SAME INFO I ALREADY SENT, as well as info I would not and DO not have as a new account holder. After dealing with their extremely impersonal system via their website & email, I decided to see if I could get something done via social media, so I tweeted to them and them messaged them. Long story short, it was also of zero help to me, and one of their reps by the initials XXXX was very off-putting and unprofessional ; their social media customer service is useless. It was after all of these nightmares that I got a useless letter in the mail -- which is attached to this complaint -- dated XX/XX/2018 and postmarked XX/XX/2018. The letter basically said that I owe this amount and that everything is 'true and correct '. By the way, for a debt I DO NOT OWE, for an account I DO NOT KNOW ABOUT, and with NO PROPER INVESTIGATION OR PROOF. They have no clue if the email address of the account they're saying is mine is actually mine, nor did they give me proof. They have no clue if any transaction on that other account was made by me, and they did not provide proof of this either. If proof is not required when demanding someone pay a debt, it's not only unethical, but dangerous to my person & identity as a consumer. It's like my hands were/are tied. After I tried all I could online, I sent in a letter to their legal/civil department ( certified ) and to their customer service address ( regular mail ). I disputed this charge and all of what was told to me by them, citing the FCRA and FDCPA, particularly Section 623 of the FCRA, requesting an investigation and results of their investigation. I do understand that a consumer must first dispute the credit bureaus, but PayPal is slick by not putting this false, unverified account on my credit reports. Remember though, I did work directly with them and THEIR METHOD of regaining account access ; with that in mind, what in the world else am I supposed to do to avoid paying a debt that isn't mine?? The letters were mailed and received by them in mid XXXX. It is now XX/XX/2018, well over the required 30 days, and I have not heard one word from PayPal.
Product: Credit reporting, credit repair services, or other personal consumer reports

A mortgage I co-owned with my daughter at XXXX XXXX  was paid off. XXXX by mistake reported a new mortgage under may name. As a result, my FICO score dropped 30 points in XX/XX/2021 After XXXX was notified about the mistake, they deleted the information but the score remains low and unchanged. 

My numerous attempts with Experian to understand the issue and correct it were unsuccessful. Experian claims it is the algorithm that is never wrong and there is no human intervention and no one can share or do anything about it. Suggested I hire an independent credit consultant.
Product: Payday loan, title loan, personal loan, or advance loan

Didn't expect all the charges and the interest rate was insane