23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was sent money to my PayPal account to distribute to my deceased friends children. The money was sent on XXXX XXXX, and I distributed the money in the days after. On XX/XX/XXXX I received a message from PayPal, indicating that there was a dispute filed against that charge, saying that it was fraud. They closed the case and refunded the money making my account {$33000.00} in the negative. They told me that my friend was the one that called in about the fraudulent charge. He is deceased so he could not have made the call. PayPal never reached out to me so I can provide them with the evidence that I have to show that whoever is pretending to be my friend XXXX is not who they say they are.
Product: Credit card or prepaid card

Unable to access account online to make a payment - website down for days. Tried making a payment via telephone and when you call the number, get a message that say " due to unforeseen circumstances we are closed '' and then you get disconnected. Payment was due XX/XX/2022 and I have been trying to make payment since the XXXX to no avail. I am concerned that if and when they get up and running late charges and interest will apply. I ALWAYS pay my balances- not just minimum, so I never have interest charged.
Product: Credit reporting or other personal consumer reports

I previously sent in a letter to Transunion in regard to idenity theft of the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These account should be removed from my credit report immediatly Transunuion has failed to remove this information from my consumer credit report in a timely manner. I do not belive that transunion has conducted a investigation. I am now demanding that transunion remove these said accounts from my credit report within four business day do to idenity theft. It is from my knowledge of the fair credit reporting act 15 usc 1681c-2 that this fraudlent information be blocked from reporting to my credit report
Product: Credit reporting or other personal consumer reports

I have addresses reported on my credit report that belong to another person with similar name and address as me : XXXX XXXX XXXX XXXX, GA XXXX Account number XXXX Please remove this address as information attached and associated to another person with similar name and address as me is being reported on my credit report This address is the only address i need reported on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX Account number XXXX the late payments reported as 30 days late on dates XXXX are from the result of fraud and unauthorized by me. This was already discussed and since XXXX is FDIC insured i am not responsible for the late payments. THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT XXXX FILE MAY BE PROVIDED IF LEGAL ACTION REQUIRES IT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT. The FCBA requires creditors to send written notice to consumers at least 30 days before reporting a late payment to a credit bureau. ( THEY NEVER DID ) This creditor has provided no proof to the credit bureaus or myself or the CFPB that they have sent these notices and or even conducted a reasonable investigation. 


XXXX XXXX XXXX Account number XXXX ( unverified ) The creditor is stating i was late on XX/XX/XXXX 30 days, XX/XX/XXXX as 60 days late. XX/XX/XXXX 30 days late, XX/XX/XXXX 30 days late, XX/XX/XXXX 60 days late, XX/XX/XXXX 60 days late, XX/XX/XXXX 30 days late. I was never late on this account he FCBA requires creditors to send written notice to consumers at least 30 days before reporting a late payment to a credit bureau. ( THEY NEVER DID ) This creditor has provided no proof to the credit bureaus or myself or the CFPB that they have sent these notices and or even conducted a reasonable investigation. THE CREDITOR ADMITTED OVER A RECORDED PHONE CALL THEY THIS POINT IS VALID AND THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT XXXX FILE MAY BE PROVIDED IF LEGAL ACTION REQUIRES IT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT. 



XXXX XXXX Account XXXX XXXX ( Unverified ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX unverified ) Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has more than one account that they are saying is mine. It's original creditor is a hospital and I am on a XXXX  XXXX insurance. I don't even think that I was there for all of the alleged claims!
Product: Checking or savings account

I am opted in to the overdraft services program at my bank, Wells Fargo. I made two transactions beyond my balance that I expected a fee from. I was charged 5 overdraft fees. 3 of those transactions I had the funds for and the bank acknowledges this when I called for help. They stated that because my pending balance was negative when those three transactions posted that they had the right to collect fees for those as well regardless of my having funds to cover them. They state that because I opted into overdraft services that they have the right to charge fees at their discretion even when I have funds. I have scoured all of the terms and conditions for the overdraft services program to see if this is a term that I agreed to when opting in. Nowhere am I able to find this situation in the terms and program details. The only time the terms state a fee would be applied is for the transactions made beyond my balance. This is extremely unethical and possibly illegal, as far as my research shows. They are unwilling to help resolve the issue and were rude and pushy when asked for help.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. 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 XXXX XXXX. 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, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX FED CREDIT UNI never sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

CONSUMER XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX # FLOORS XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX DEALER XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

LVNV Funding LLC XX/XX/year> i contacted them nobody could help me get this removed
Product: Mortgage

We have a very low interest rate. Our mortgage company is changing our rate when we have a fixed rate. They are telling us we are behind in payments and we owe money when we are not. Every 6 months they tell us that we owe XXXX dollars and threaten to foreclose. We have thousands of dollars left in escrow and it just seems to disappear. We have hired lawyers before and they settle with our house company and say we are caught up, and we end up having to pay XXXX dollars for our lawyer. 6 months later they start doing the same thing again. At this point we are seeking any help on the unfair practice that they are giving us. They are just trying to get us out of our mortgage because of our low interest rate. The reason they had to take such a low interest rate was because we were part of the XXXX ordeal, when they went out of business. We would appreciate any help you could give us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payment from The XXXX XXXX XXXX Late Payment from XXXX  XXXX Late Payment from 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 I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Product: Credit reporting, credit repair services, or other personal consumer reports

It makes me wonder why does the Credit Bureaus were unable to remove he disputed items from my Credit report despite the multiple letters and complaint I have been submitting to them. The last letter I sent to the Credit Bureaus was XX/XX/XXXX with complete attachments of my personal information and FTC 's ID THEFT REPORT I received. But despite all these, the Credit Bureaus have failed to comply with the FCRA section 605b which I highlighted on my letters. How many times do I have to inform and remind the Credit Bureaus of their obligation to comply with the FCRA section 605b? I already grew tired to disputing my Credit in a polite manner which leaves no choice but to be aggressive. I have been informing my Legal counsel about my situation and they offered to help me by taking legal action and sue the Credit Bureaus due their negligence. I am submitting this complaint to inform the Credit Bureaus of my intentions and if they still choose to not comply with the FCRA statute, my legal counsel is willing to file a lawsuit. I need the following items removed completely from my Credit File! 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX  XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX US DEPT ED XXXX Balance Owed : {$28000.00} US DEPT ED XXXX Balance Owed : {$39000.00} XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$490.00} XXXX  XXXX Balance Owed : {$100.00} XXXX XXXX XX/XX/XXXX
Product: Credit card

The Raymour and Flanigan Card by TD Bank has an issue with the recurring payments systems per TD Banks own admission. I had set up recurring payments on each due date of the month, and the recurring payment is showing as on and valid, when TD Bank cancelled the payment for a reason TD Bank can not explain to me. To date, the recurring payment option is enabled and showing as being made each month on the due date, however TD Bank says it is a mistake and I must login and make manual payments. The fraudulent and deceptive nature of the recurring payment being active when it is not caused me to miss my first payment in 7 years on any credit account, causing significant harm to my credit score. This deceptive and misleading situation should not be going on.
Product: Debt collection

I am asked to pay {$520.00} by I C system. I was with this XXXX who promised to work on my XXXX XXXX and also XXXX XXXX XXXX XXXX process. I paid all the amount till the services were provided. I donot owe any more money as my XXXX XXXX process was not done. I was wrongfully sent to collections and this is causing a lot of problems with my scores.
Product: Credit card

A Civil Complaint was filed against me on XXXX XXXX, XXXX by Capital One ( USA ) N.A. with the District Court in the amount of {$4500.00} plus court costs at Docket Number XXXX. The disposition of that hearing was Judgment for the Defendant. A copy of the Award is attached. 
Capital One ( USA ) N.A. Appealed the Magisterial District Judge 's Judgment on XXXX XXXX, XXXX to the Court of Common Pleas at Docket Number XXXX, which an appeal hearing was held on XXXX XXXX, XXXX. The Court of Common Pleas again found Award for Defendant against Plaintiff, Capital One ( USA ) N.A. A copy of the Award is attached. 
Capital One ( USA ) N.A. did not appeal the decision of the Appeal from Common Pleas Court and their decision in the case stands. 
I had noticed XX/XX/XXXX that Capital One was still reporting their claim negatively to TransUnion Credit Bureau, which is attached. I filed a dispute with TransUnion and Capital One sent me a letter seeking additional information. I responded to their request on XXXX XXXX, XXXX. A copy of this correspondence and the Certificate of Mailing is attached. 
Last week I received a XXXX from Capital One indicating that " because they canceled or forgave {$600.00} or more in principal debt to you, we 're required by the IRS to send you a XXXX tax form. Since this matter was adjudicated against Capital One ( USA ) N.A., I contact them as to why I receiving the XXXX. I spoke to XXXX XXXX at the number that appeared on the XXXX for questions. She advised me that Capital One ( USA ) N.A. made a business decision to file the XXXX with the IRS and advised me to contact the IRS. I tried explaining to her that it 's impossible to for forgive or cancel a debt that was never owed. Additionally, I tried to explain to her that this matter had been litigated to finality and that Capital One did n't prevail in the litigation and offered to fax or email her the Appeal Award for the Defendant from XXXX County Common Pleas Court. She again explained to me, in a now rude and condescending manor, if I did n't like their decision, contact the IRS. I requested to be transferred to someone else that could further discuss this matter. She transferred me to XXXX XXXX in the Disputes Department. 
I explained to XXXX XXXX the purpose of my call and she placed me on hold for multiple minutes and then reinstated that Capital One 's position in sending the XXXX was that the case was withdrawn with prejudice. I offered her the documents in the case, but she declined since the information she had was from their legal department and they had every right to notify the IRS of this situation and they will not rescind or provide a corrected XXXX. 
It appears that Capital One 's actions are punitive.
Product: Checking or savings account

XXXX XXXX, XXXX XXXX, XXXX XXXX, Chase XXXX Banking, mails Notice that a {$15.00} monthly service fee to be charged on " New '' account. 

Chase was advised on XX/XX/XXXX not to convert Business Checking account and Charge a {$15.00} Monthly Service fee on " New Account ''. Chase disregarded the customer request and charged a {$15.00} Monthly service Fee on the XX/XX/XXXX through XX/XX/XXXX statement. 

Customer call on XX/XX/XXXX to XXXX at XXXX Central Time to Chase employee XXXX XXXX requested XXXX to remove the Monthly Service Charge and to stop making any further charges to the account. XXXX removed the Charged but stated that Chase would not be able to stop the monthly charges to the Account.
Product: Credit reporting or other personal consumer reports

I have been having multiple financial problems because of the information on my credit report is wrong the names and addresses are not mine and I want them removed from my report. 
My only name is XXXX XXXX XXXX. 
My only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX. 
My date of birth is : XX/XX/year> My social security number is : XXXX Any information other than information listed above should be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am complaining about a Bankruptcy on my credit report that was never ever established as I couldnt afford the program that the lawyer was trying to get me to complete. 

So I had the Bankruptcy was dismissed in 2018 and was never it into force against me but it still shows on my Credit report. 

I would like to have it removed completely. 

Thanks for your time.
Product: Credit reporting or other personal consumer reports

I have provided Experian Credit reporting Agency all necessary documents to have accounts due to identity theft remove/block from my credit file. I have also contacted the creditors involve nothing has been done. I have provided police report, sign notarized theft affidavit and FTC theft report several times I am reaching out to CFPB in order to have this matter resolve finally. I did not open these accounts listed on my credit file and I do not deserve to have these accounts remain on my credit report. Please assist me with this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX I attempted to sign up for a credit repair service with 90 day credit experts they made it all sound so good a one time charge of XXXX bucks and no money had to be even paid upfront when it came to signing got documents the documents would not load on my end so I was unable to sign for anything or read what I was actually signing up for, they said no problem we ll just sign for you which is fraud in itself but at the time I wasnt thinking about it and just wanted to get started repairing my credit fast forward two months I see an account that I owe XXXX for from a company called denefits when I called and asked what this was about they said we are the billing company for 90 day credit experts, not only did they fraudulently sign documents for me but they also mislead me on everything that was happening this needs to be removed from my credit report it is ruining my life
Product: Debt collection

I received XXXX letters on XXXX different dates ( see attached XXXX letter ) from AFNI Inc. that I am liable to XXXX XXXX XXXX for {$2100.00} regarding an incident ( auto accident ) that occurred on XXXX with XXXX XXXX XXXX. The letter clearly states that the facts of the case indicate I am liable for a loss incurred. The letter also states that the Department of Transportation may have been notified to determine compliance with the Financial Responsibility Act, along with the Secretary of States ( XXXX ) Office to possibly suspend my driving or registration privileges. Additionally the letter indicates that I may be charged {$4.00} for processing. 

I phoned the customer service center on XXXX at approximately XXXX PST and spoke with an unidentified female customer service representative. After providing the AFNI file number, the representative claimed that I was involved in an auto accident at XXXX and XXXX in XXXX XXXX, CA. I told the representative that I was not in any accident at which time she asked if my license ended in XXXX. I told her it did not and she replied " how about XXXX? ". Again, I responded no. She then said that was supposed to be my driver 's license number, not license plate. At this point, it was clear to me that she was fishing for information and I stated such. I also advised her that my last name was not the same last name on the attached letter. My last name is XXXX and the letter shows XXXX. She told me cops make typos all the time and I advised her that as a XXXX, I can assure her that we are required to file accurate reports. At this point I asked to speak to a supervisor, which she declined, then hung up. 

I am concerned that this company is using aggressive and flawed investigation and recovery techniques that would cause serious financial problems to people that are n't familiar with law enforcement reporting and investigation. I was targeted for financial recovery without cause and due diligence. There is no preponderance of the evidence, which was not listed, to find me liable in any way. I am not confident that this company will cease attempts to collect this debt for which I did not incur nor am responsible for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE Late Payment XXXX XXXX XXXX XXXX XX/XX/XXXX / XXXX XXXX XX/XX/XXXX XXXX Late Payment XX/XX/XXXX / XXXX and XX/XX/XXXX XXXX Late Payment XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.