23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Below is a copy of the compliant submitted to the XXXX : Complaint Type : Consumer to Business ComplaintNature of complaint : Billing or Collection IssuesProblem description : I received a call from XXXX XXXX at XXXX, on XX/XX/XXXX, stating that I owed a balance of {$510.00} to a payday loan company. I asked him for the name of the company and he indicated they act on behalf of multiple companies, XXXX of which was EZ ***** which I have done business with. He never mentioned to me that this was to collect a debt per the FCRA. They indicated that they had attempted to serve me papers on a number of occasions and that they are going to begin the court process to collect funds. I have never received any such attempt notifications or paperwork regarding this debt owed. As I have done business with that company, I agreed to a payment plan of {$25.00} every two weeks beginning on XX/XX/XXXX. My final payment would be on XX/XX/XXXX. On XX/XX/XXXX, this company ran my debit card for {$28.00}. I notified the above individual and after giving him my name, he proceeded to tell me that they needed updated payment information. HE BEGAN TO TELL ME INFORMATION ON ANOTHER INDIVIDUAL and had no attempt to verify who he was speaking with. He told me a letter was mailed out on XX/XX/XXXX stating that due to a change in payment processor, the amount was increased. I never received such letter. Told him advanced notice must be given when the is a change to an agreement and he could only say that this was a 'last minute change '. I have worked in banking for 13 years and something like this is never last minute and notices MUST be sent out. 
Desired Resolution : Other ( requires explanation ) Desired OutcomeBilling adjustment - I was never appropriately notified that there was going to be a change to the amount of the agreement. Contact by the business - would like to receive e-mail communication from company regarding my agreement. Apology - official apology for the lack of communication
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Please remove these FRAUDULENT inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking the deletion or modification of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all XXXX credit bureaus ( XXXX, TransUnion and XXXX ) on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular, 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. 
I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been 4 months now and I have not received any responses to my requests.
Product: Checking or savings account

TD Bank failed to issue the {$300.00} bonus within 140 days after my XXXX Checking account was opened on XX/XX/2021, and the required direct deposit of {$2500.00} was made way before the required 60 days on XX/XX/2021. The Bank is now in breach of the contract as advertised and posted online for the promotion when the full terms and conditions for my account have been met. See attachments. 

Despite countless contact with the Banks useless customer services agents, the problem still has not been fixed. 

The bank must immediately correct this problem and post the required {$300.00} to my XXXX Checking account without any delays!
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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or the list of inquiries : 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 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 or 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: Debt collection

Debt was charged off, not paid. This company, Portfolio Recovery Associates has been harassing me about debt from XXXX years ago, claiming I owe them nearly {$7000.00}. The card that the debt was on was charged off and I took the hit on my credit and worked through it. But the debt has dropped off and has been a non-existent debt since ... We are well beyond the Oklahoma Statue of Limitations. Yet the company has continued to harass me via phone and letters to try and collect this bogus debt. 

Many years ago, I did not know better and answered the phone. They threatened me and harassed, so I changed phones and then blocked their calls. I have been holding onto the last few years letters they send to back my the harassment claim. 

The amount they claim I owe is more then XXXX times what was owed and charged off years and years ago. 

Recently a woman in Missouri sued them and won a huge settlement. I just want them to stop and pay me for the time wasted, the harassment and the mental anguish this ordeal has caused. Looking online you find literally XXXX of others who say the same thing and yet this company is still in business. How is that even legal?
Product: Credit card

I was unable to make a payment to my Amazon.com Rewards Visa account due to their website not functioning in XXXX 2013 and let Synchrony Bank know what happened, after I paid for my account, which was right after it was late and the website was functioning. I want them to correct my late payment with the credit bureaus. I have tried to contact them but they have do n't have an email, their website is down again, and they keep disconnecting me via telephone. Please ensure that the late payment is removed from my credit report?
Product: Checking or savings account

Have not received our direct deposits from our work because capital one said they are having technical difficulties with their third party vendor. They sent out emails saying it should be fixed by Friday morning. Well here it is XXXX XXXX  and still no money or answer
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XX/XX/2021 BANK XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX Dear Sir or Madam : As ofXX/XX/2021 it is still displayed on all three of my credit report files, TransUnion, XXXX XXXX XXXX. I was also notified that I could not use XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on XX/XX/XXXXXXXX XXXX WITH NO Account number XXXXXXXXXX with a balance of {$64.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. 

Sincerely, XXXX XXXX, Thank you
Product: Money transfer, virtual currency, or money service

Unauthorized XXXX transactions with several of my bank accounts ( XXXXXXXX XXXX, Bank of America checking accounts ). Multiple occurrence for small dollar values ( {$10.00}, {$1.00} ) in XXXX, XXXX, XXXX, XXXX. Called Bank to dispute. No adjustments issued.
Product: Checking or savings account

I had a fraudulent charge on my Wells Fargo ( WF ) checking account debit card on XX/XX/2024. XXXX was {$500.00} purchase for a XXXX gift card. I reported the fraud to WF, and the Claims Assistance Center ( CAC ) did an investigation. They decided that there was no fraud. I talked to XXXX in the CAC after learning of the decision and told him that the purchase was fraudulent and asked if they had contacted the vendor. He did not say they did but instead said CAC checked the company out on the internet, and it looked like a legitimate business. I told him I would contact the vendor and do my own investigation and let them know my findings. He gave me XXXX  contact info, and I talked to XXXX, Customer Advocate. I told her my situation, and she was concerned. She provided me with the receipt for the sale, and it said payor name XXXX. Also showed salesperson 's name XXXX. She also provided the gift card recipient 's XXXX  address. She questioned how WF could have determined this was not fraud without getting the receipt or discussing the transaction with XXXX. I found out that WF did not talk to anyone at WF but rather sent a routine request to XXXX computer system asking to verify the transaction was valid and no error was made. That there was a valid transaction and no error in the amount only proved that a sale was made. No further steps were taken by WF to talk to the vendor or get the receipt. I emailed the documents from XXXX to WF and asked them to include those in their investigation and contact XXXX. I was confident that if they did this, they would find fraud occurred. Despite WF escalating the claim to other departments ( XXXX -- executive level and Escalations ), no one considered the receipt in their decision and based their decision on the fact that CAC had contacted the company, albeit only by a routine request for verification. I've asked for their investigation documents for myself and XXXX. They said it would take 30 days, so I'm still awaiting those. I don't think they want me to have those documents. CAC questioned why XXXX would need the documents if they already verified the transaction. XXXX also thinks it is odd that XXXX is working with me on getting this case resolved and didn't just refund me the {$500.00}. CAC also claimed that I approved the transaction, and i told them that was not true as I was the one who reported the fraudulent transaction to them to start with. They are stubbornly refusing to consider the obvious evidence in this case, and I plan to get an attorney if this case doesn't get fairly and thoroughly investigated and resolved ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts that I have been trying to get corrected for quite some time. XXXX  months to be exact. There is an old XXXX which reports me as late and I have never been given proof that I was! It needs to be removed. What's worse is that the bureaus report Erroneously. Experian reports the Date last active as XX/XX/XXXX and XXXX reports XX/XX/XXXX and XXXX reports XX/XX/XXXX. XXXX also reports positive and current activity on an account that is closed. this should not be listed on my report. I have requested this removed based off these errors for months and no one will help me. They just keep updating incorrect information. 

The other account is a XXXX  credit card. The Date last active is reported as XX/XX/XXXX by XXXX. Experian reports XX/XX/XXXX and they report me late and also charged off! they can't do that! XXXX reports me with current payments after collection activity and a date last acitve as XX/XX/XXXX. this is not accurate!
Product: Checking or savings account

The whole account is mismanaged.Lets start with the deposits made from the the a college institution to there financial institution or institutions.In beginning the school made the deposits to the third party banking institution called BankMobileVibe, Or Customers Bank a division of Bank Mobile. I have familiarized my self with every aspect in policy they have and I firmly believe my account has been mismanaged beyond comprehension and i am I in titled to a large substantial amount of mismanaged federal and state student funds given to them to disburse into one account through agreements guide lines and policies. I have not requested a new account through them, just have changed the information belonging to the original account such as Email, Number, Physical Address, and Mailing Address. I Keep all the information updated to current in a timely manner and have never lies or committed fraud agents this company. There website for the browser on the internet is a different pass word, the the actual tab, and different from the actual Application for the establishment. The deposits on financial aid through the college post accurately and timely. i use the official school website BakersfieldCollege.edu to check my deposits and times. I then match that to bank mobiles websites for list of refund deposits into the account its self. First they go from BankMobile to XXXX XXXX XXXX XXXX. Then it switches to a XXXX XXXX XXXX I had personal Debit and Checking Accounts That the ACH Transfers were made to through BankMobile I subsequently had to close them out do to fraud, Then it transfer to a different account at those same banks in some one else name why was my money deliver to some one else bank accounts Not IN MY NAME were I had No access to Funding that entitled to me through my institution. I demand a investigation on to my account and its Management. I then finally regained the BankMobile Vibe Account back but changes the preferences straight through there company. My account Statement Are Some what Accurate the Money goes into the bank account. A Refund Deposits is record in a separate section. The money gose into the account fraudulent activity occurs through multiple charges, ATM with draws and transfers, so much i cant follow but have documentation of Original non Altered Pictures of the records on a PDF format. They also Chang the debit card belonging to the account after so much fraudulent activity so I can barley trace the transaction card to card. Once I did this they Started purposely locking me out the account asking for verification of my identity, they Took my ID, My Social Security Number, in various forms like picture, verbal over the phone and once I did they immediately changed the account and routing number to the account I believe and new checks and savings account numbers as well.
Product: Debt collection

I am disputing the validity of your attempt to collect a balance as it has already been paid. 

My HSA plan, XXXX XXXX, paid this in XXXX XXXX for a service from XXXX delivered in XXXX XXXX. The debt of {$23.00} was paid in a timely manner, but XXXX is having an internal issue with posting the payment properly. 

I also called XXXX on XXXX/XXXX/XXXX to dispute the bill and had a conference call with my representative at XXXX XXXX, XXXX, as well as XXXX from XXXX XXXX. XXXX provided XXXX the virtual card payment authorization # XXXX and confirmed that XXXX processed the payment on XXXX/XXXX/XXXX. 

I then called AGAIN on XXXX/XXXX/XXXX to XXXX after receiving another statement, and spoke to XXXX. She told me that she saw a note that the Deposits Department was investigating the missing payment and she was sending them another message to get an update of the status. 

I have not received another bill since this time, so my assumption was that they found the payment and applied it to the account. 

It is now XX/XX/XXXX, which is 16 months later, and I am being contacted by another collections company about this same debt. I called the company, American Medical Collection Agency, today and advised them that this has been paid, provided a copy of the HSA statement showing the deduction of funds and the background information presented above. 

This is unacceptable to continue to be harrassed for a small dollar bill that has already been paid in a timely fashion.
Product: Debt collection

XXXXXXXX XXXX sold our account to Midland Credit Management. Midland credit management has sent out a server with legal documentation. The woman serving the documentation refused to wear a mask, threatened to disclose my personal information to our neighbors as she screamed and waved the documents in my front yard screaming Im being sued and my entire name. The woman perverted to curse at me as I spoke threw our speaker camera system, threatened me that she was going to continue to display erratic behavior and let everyone know my personal information. I have called Midland Credit Management multiple times regarding this matter so they are aware. The woman stated my information, account owing, everything has been recorded and I have the live camera footage.
Product: Credit card or prepaid card

While traveling abroad the company closed my account without contacting, I called the banked several times costing me a lot of money for phone calls they hardly returned my calls. And when I finally was able to speak to someone they offered no help and hung up on me. 
On XX/XX/XXXX. 
Bank Chase, Accounts XXXX card XXXX XXXX card Chase Freedom card. 

All these card accounts were closed, the accounts were in good order ( Payed off ) Now I am stranded in another country with no assistance from the bank and the bank refuses to tell me why they closed my account. Also this could also impact my credit score since my available credit will be reduced. 

Banks should not be able to close peoples accounts for no reason or notification.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I disputed several account in my equifax consumer report and they came back verified BUT are still reporting with unverified information on the file. I demand a description of the procedure and the notices sent out to the furnishers of information who provided any information I disputed including name tans telephone numbers. Consumer reporting agencies have a vital role in assembling credit and have a duty to report information with maximum accuracy
Product: Credit card

Citibank With this credit card. There were fraudulent charges onto the account. I was only notified days later after the account had been charged. I requested the account to be closed and statements to be sent to me and for an investigation on the fraudulent chargers, and to be re-credited to my account the investigation happened and no recredit came back and they sent me a new card after I had explained to close the account. I then requested my account closed after I thought it was closed. They continued to charge my account. I requested documentation and clarification on why my account was continuously being charged. Then I had their attorney for a collection agency. Send me a document requesting me to pay the amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act ) IN COLLECTIONS XXXX XXXX XXXX XXXX LATE PAYMENTS, XXXX XXXX XXXX  LATE PAYMENTS, XXXX XXXX, XXXX XXXX XXXX XXXX LATE PAYMENTS, XXXX XXXX XXXX LATE PAYMENTS, 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts. 

THE LATE PAYMENTS REMOVE OR DELETE THE ACCOUNTS.
Product: Credit card or prepaid card

I never received my monthly bill for the month of XXXX. I called to have the paper statement mailed to me. By the time I got the statement I owed a late fee and interest fees.I called again asking them to waive the fees and they refused. I then wrote them a letter and they ignored it.
Product: Credit reporting

XXXX Mortgage is attempting debt collection activity on an account with a zero balance. They have consistently reported incorrect balances, history and status of this account to the credit bureaus. On the XXXX report the balances indicated zero balances. However, on the Experian and XXXX report it reflects amount past due exceeding {$100000.00}.