23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ON XX/XX/XXXX I RECEIVED AN ALERT STATING CONVERGENT OUTSOURCING ADDED A COLLECTION TO MY CREDIT REPORT FOR XXXX. I SPOKE TO XXXX AND XXXX AT XXXX. BOTH STATED THAT THEY RECEIVED THIS ACCOUNT XX/XX/XXXX FROM THE ORIGINAL CREDITOR XXXX  XXXX XXXX. I HAVE NEVER HAD A CONTRACT WITH THIS COMPANY. THIS ACCOUNT WAS REMOVED FROM MY CREDIT REPORT BY ORIGINAL CREDITOR XXXX XXXX   IN XXXX AFTER CREDIT REPORTING TIME OF 7 YEARS FROM 1ST DATE OF DELINQUENCY XX/XX/XXXX PASSED. I NEVER RECEIVED ANY CORRESPONDENCE FROM THIS COMPANY PRIOR TO THIS ACCOUNT BEING ADDED TO MY CREDIT REPORT. THE DATE OF DEFAULT XXXX TOLD ME OF XX/XX/XXXX IS DIFFERENT FROM WHAT IS BEING REPORTED TO THE CREDIT BUREAU OF XX/XX/XXXX. THIS ACCOUNT IS BEYOND STATUE OF LIMITATION IN MICHIGAN OF 6 YEARS AND CREDIT REPORTING TIME OF 7 YEARS. ALSO CONVERGENT OUTSOURCING INC IS NOT LICENSED TO COLLECT IN THE STATE OF MICHIGAN.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 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: Student loan

I was in an active Bankruptcy that was finalized and suddenly I receive a default letter from Navient that I am XXXX delinquent. This was the first notification I had received from them since my Bankruptcy was finished. I called to work out payment options to lower my payment and they immediately put me in forbearance with no option to make a payment. Penalties and interest are continuing to mount. All I want to due is lower my payments and start paying my debt back, but they seem to make it difficult.
Product: Debt collection

This complaint is against XXXX - XXXX XXXX XXXX - trying to attempt to collect an unverifiable debt that 's been charged off not once but at least twice prior - if we are even talking about the same " loan ''. They very well may be trying to collect on fake debt for the Supposed Holder in Due Course, XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX internal statement XX/XX/XXXX shows Realized Loss of {$60000.00} on Group I - Loan ID XXXX. 

Then an internal Bank of America statement inadvertently sent to me shows the very same transaction being " charged off '' for {$60000.00} on XX/XX/XXXX referencing data from the XXXX  - XXXX XXXX XXXX System. Loan ID XXXX. 

Then magic happens and XXXX assigns XXXX as the new account number on an alleged outstanding principal balance of {$60000.00}. 

This banking / " mortgage '' / loan mischief and deception is to cease now. The shenanigans are truly out of hand.
Product: Checking or savings account

I did not authorize the transfer from my Ally Checking account on to XXXX. 

Specifically, I did not authorize the transfer that took place. Under Article Three, subsection 3.12 ( Written Statements of Unauthorized Debit ) of the NACHA Operating Rules [ 1 ], any authorization is required to contain express authorization language, including the entities debiting my account and receiving my funds. [ 2 ] Based on reporting and public documents, XXXX did not use a dedicated bank account to receive user funds and instead used an unrelated entity which I have no relationship with, XXXX XXXX. XXXX XXXX and its agents debited funds from my account without my consent. 

Therefore, I have a good faith basis to believe that a valid XXXX Authorization was not obtained and the payment is unauthorized and fraudulent. 

I would like my debit for {$4900.00} from XXXX on XX/XX/2022 reversed via XXXX please
Product: Consumer Loan

I failed to pay my car loan. Thought I paid on line but must have clicked wrong button. Money in checking for car loan was spent ; mixed together with tax refund. 
I understand that I need to pay and appreciate the loan but received a notice that my car will be repossessed if I do not pay within 10 days. 
I feel that after paying on a loan for 4 years a 10 day notice that they will take my car is extreme and unethical. 
This was my XXXX notice of repossessing my car and after 3 days for mail delivery I now have seven days. 
I contacted Chase on line yesterday and my message was transferred to another department ; no reply from them.
Product: Vehicle loan or lease

I am writing to file a formal complaint against Credit Acceptance Corporation regarding ongoing harassment and misconduct, as well as the presence of a mechanic 's lien on a vehicle financed through them. 

Since entering into a financial agreement with Credit Acceptance Corporation in XXXX, I have been subjected to persistent harassment. Customer service associates have repeatedly hung up on me during attempts to resolve issues related to my account. This behavior is not only unprofessional but also exacerbates the challenges I face in addressing concerns about my account. Theyve sent many letters even after the mechanics lien since XXXX. 

Additionally, there is a mechanic 's lien on the vehicle financed through Credit Acceptance Corporation, rendering neither of us as the rightful owner. Despite repeated attempts to address this issue with Credit Acceptance Corporation, no satisfactory resolution has been provided. This situation has caused significant inconvenience and uncertainty regarding the ownership and usability of the vehicle. 

I believe that Credit Acceptance Corporation 's actions constitute a violation of my rights as a consumer and are in breach of relevant consumer protection laws and regulations. The ongoing harassment and failure to address the mechanic 's lien demonstrate a pattern of disregard for consumer rights and fair business practices.
Product: Checking or savings account

I just learned of this in XX/XX/XXXX when I received bank statements that I requested going back as far as XX/XX/XXXX for a pending divorce I am in. Since XX/XX/XXXX I have been trying to acquire more documentation from Wells Fargo and they have stopped cooperating giving me what I am asking for as I think they know that they are liable since they sent me a mediation invitation letter. In my review of what I have been given so far, I am seeing the following wrongdoing on their part : *opening 6 bank accounts without my knowledge, presence or consent *failure to audit or flag these and a myraid of other WF accounts that my soon to be ex husband solely managed. I am seeing what looks to me like crimes of embezzlement, money laundering, money mueling, identity theft, fraud, tax evasion etc.and WF Bank did not catch any of it because they were with not auditing/flagging accounts or someone on the inside of the bank was turning a blind eye and allowing it all to happen *failure to report submit and IRS Form 8300 's and failure to report to XXXX XXXX ( XXXX XXXX XXXX XXXX ) regarding all deposits that were made over XXXX ( or increments totaling XXXX ) within a 15 day period between XXXX and failure to report to either entity suspicious banking activities *Wells Fargo cashed and/or deposited a bunch my payroll checks that my ex took fraudulently endorsed without my knowledge or consent.

*Wells Fargo allowed multiple debit cards in my name to be used at the same time without raising a question, so it is clear that my ex was using or allowed his girlfriend of 5 years to use my card ( he was living a double life during our marriage ), whilst I was using the another debut card with my name on it that he gave me, telling me that my old card was no good anymore ( which clearly I now know was a lie ). 
*I believe that my soon to be ex had a bank employee on the inside helping him to facilitate white collar crimes and may have been getting paid some hush money to turn a blind eye. I am speculating this but I do not know how my ex got away with everything he has done all those years without someone raising a hand. My ex had a personal po box that he was having everything financially related to that I had to access to and he did not allow me access to anything which is why I never learned of his crimes earlier than XXXX XXXX of XXXX because had I discovered it sooner I would have blown the whistle on him sooner. Wells Fargo in my view failed in their duties as a financial institution and should be held accountable and I believe I am owed restitution from them for my losses which between XXXX was over XXXX XXXX dollars.
Product: Debt collection

I have been in an ongoing dispute with XXXX XXXX as I firmly believe that I don't owe anything to the credit their are representing. To the best of my knowledge, I have paid off XXXX XXXX XXXX for charges accumulated for my wedding. I have repeatedly asked XXXX XXXX XXXX for a copy of the statement that shows the transactions that add up to the amount they are charging me for, and I have yet to receive it. These communications have been verbally and I have mailed them validation letters. They have not been cooperative at all. I have sent letters to them ( XX/XX/2018, XX/XX/2018 ), as well as the credit bureaus ( XX/XX/2018, XX/XX/2018 ), disputing this item. I don't think I owe anything at all. And if I do, I'm confused on how its over {$1200.00}. Before I even consider working out some type of agreement with XXXX XXXX XXXX, I demand a statement showing the billed charges so I can confirm or deny them. Until then, they have failed to provide proper validation of charges to justifiably add this account to my credit report. They sent me proof that XXXX XXXX XXXX has contracted them to collect the debt on their behalf, but even that balance is different from what's being reported on my credit report. I am confused and they have done nothing to help me with this process.
Product: Debt collection

This debt, I believe goes back to XX/XX/XXXXor XXXX. The debt is a phone bill from XXXX XXXX. They lied, mislead, me on a promotion with regards to internet, which was just starting to really take off. I think it was 1 or 2 months bill plus ETF. The details are a little foggy, it was close to 20 years ago. I think the statue of limitations may have expired. XXXX XXXX merged with XXXX XXXX XXXX in XX/XX/XXXXand it 's public knowledge that they receive a lot of complaints about their misrepresentation of products.
Product: Checking or savings account

I filed a complaint with the CFPB in response into the false information that wells fargo put in a response for a previous complaint. Today I received a phone call from a rep telling me that she had till XXXX to get back to me. I asked her if wells fargo was going to take responsibility for wasting 18 months of my time and energy for lying and providing incorrect information to me. She said that any punishments would be in house within wells fargo. I asked about compensation due to the treatment from employees that have violated their code of ethics and got no response. How is this fair? They allow employees to treat customers so poorly and get away with it. Wouldn't this be a form of defrauding the customer? I know for a fact that I am not the only one that wells fargo has done this to. Lying to customers, providing false information to customers should all be punished and the customers that have been mistreated should be compensated for their time and trouble. How is it fair to let am company mistreat and abuse customers? Abuse does not have to be physical, but can also be mental. Wells fargo has been mentally abusing me for almost 19 months now, and what? They get a slap on the wrist? I have started asking other online about their experiences with wells fargo and guess what they are not all good. Im sure that the CFPB has been receiving numerous complaint regarding their business practices and their lack of customer service. When is enough going to be enough for the CFPB to do something? When will wells fargo be punished for what they do to customers on a daily basis? I gave wells fargo the chance to make this right. They had every opportunity but they chose to lie to me, they chose to pass me around to over 40 different employees there were ALL on different pages. Misinformation from almost everyone about what was actually going on XXXXIt just reinforces the fact that wells fargo does not care about theirs customers. Wells fargo needs to compensate me for the past 18 months of XXXX that I have put up with, all of the mental abuse they put me through, all of the lies that I was told. Enough is enough
Product: Debt collection

I called Macy 's credit card Is XXXX XXXX however, my letter is from Citi Bank and explained the charge they are trying to collect is fraudulent as I was not in FL this past XXXX as I live in the Northeast. They transferred me to the fraud department and I was told they would investigate this and they sent me a new card - which I have in my possession. They have not told their collections department this as I continuously receive calls requesting I pay this amount. Also, there is no option to speak to anyone to reexplain the situation so the calls continue including several late at night i.e. XXXX. My credit score has dropped recently and my concern is this will not be corrected and my credit score will be impacted.
Product: Checking or savings account

Capital one has not released my direct deposit from my job. It is 2 days late Called for an update and they did not provide any information aside form having technical difficulties
Product: Payday loan, title loan, personal loan, or advance loan

Not legal in the state of Illinois even if on line .Int cap at 36 % this co. is 600 % XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Consumer and a natural person who is aware of all rights that I have, and which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the FCRA 15 USC 1681, everything must be 100 % accurate. I was not provided a copy of the completed investigation. 

I have a list of accounts below : XXXX. XXXX XXXX XXXX Account : XXXX XXXX.DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX Account XXXX XXXX Inquiries : XXXX : Inquiry date XX/XX/2022 XXXX XXXX XXXX- Inquiry date XX/XX/2022 XXXX XXXX XXXX XXXX-Inquiry date XX/XX/202XXXX XXXX XXXX XXXX -Inquiry date XX/XX/2022 XXXX XXXX -Inquiry date XX/XX/2022 XXXX XXXX XXXX-Inquiry date XX/XX/2022 XXXX XXXX-Inquiry date XX/XX/2022 XXXX15 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. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

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- @ ( 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 for any purpose.
Product: Bank account or service

Hello I applied for XXXX due to being let go from work. I was granted XXXX they begin to issue payments according them to bank of America but I have not received them.. Bank of America is giving my money to someone else, and claiming that I did a bank transfer years ago they claim money is going to some account I have no idea what they are talking about or referring too. I have not given any permission to transfer anything anywhere. My rent and car note is due I need to pay my bills. I am asking that Consumer Financial Protection Bureau help me to get the funds owed to me from Bank of America. I am also asking your help to prosecute those that are using my money and the bank of America representative that is putting the money into the wrong account. Bank of America is giving me the run around. I am owed quite a few payments per XXXX around XXXX or XXXX. I am not getting anywhere with bank of America and XXXX seems not to be able to help as well. I look forward to hearing back from you urgently and I pray XXXX that you will be able to assist me. Thank you, XXXX
Product: Mortgage

Citizen one bank is the mortgage company. They have been charging forclosue fee but the home is not in forclouse and all payments are current. 
It has been behind. But never should have had foreclosure fee. When I ask about it I am transferred or hung up on. I have since went Thur the payment backing to 2018 and noted fee that I was not knowledgeable about
Product: Money transfer, virtual currency, or money service

XX/XX/2020 my bank fraud department called to see if I authorized a withdraw for {$200.00} from Cash App, I told them no. I immediately logged into my banking institution and noticed that there was a withdraw of {$230.00} on the same date prior to the fraud department calling. Cash app also tried to withdraw XXXX smaller amounts but my bank stopped them. I went to my financial institution on XXXX XXXX to file and dispute the {$230.00} that was stolen from my account and get a new bank card. They told me it would take 7 to 10 days to get it resolved through the fraud/dispute procedure. 
Today, XX/XX/2020 I received a credit card in the mail from CASH APP!!!! I NEVER, repeat NEVER opened or authorized a new account with this company. I have never heard of them until today and as of today I am still out of the {$230.00} that was stolen from this company. So far my bank hasn't disputed the charge. 
I am so mad because I don't know who opened this account in my name. 

Thank you
Product: Debt collection

Representatives from Discover Card and XXXX XXXX keep calling me on an ongoing, daily, repeated basis. I want this to stop.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted. 
Adjust accordingly if there is no inquiries or personal information to be deleted
Product: Credit reporting or other personal consumer reports

This account was paid in full by the previous owners XXXX XXXX XXXX by the due day of XX/XX/XXXX and an additional payment was made by me before the due date. Im requesting that the XXXX days late to be removed from my co borrower and my credit report immediately. We never been 30 days or more late why would we be 30 days late at pay off time? I lost XXXX on my credit report due to this misinformation and my co borrower lost XXXX points due to this we ask that XXXX XXXXXXXX remove the 30 days late so that we can continue with our lives with our credit report without this blemish. I will enclose documentation that will support my claims I take my credit and credit report serious and Im responsible with my credit, this XXXX late on my credit report stops me for doing anything with this blemish from XXXX XXXX. I cant see how they were able to put a 30 days late on an account that was reported closed last month and removed off of my credit last month that I filed an dispute and got the account removed myself and it was Successfully removed now we see 30 days late on our credit reports.
Product: Checking or savings account

I have received XXXX overdraft fees in the past XXXX months for non-sufficient funds, for amounts ranging from {$8.00} to {$250.00}. I contacted the bank and signed up for overdraft protection and have still received fees even though I deposit at least {$5200.00} in this bank account monthly. Each fee is {$29.00} so I have paid {$400.00} in overdraft fees Since XXXX of XXXX. I also experienced overdrafts because fees I did not charge on my card were being incurred on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been resolved and has a - $ XXXX balance. It has been paid off with XXXX. Any questions can be referred to their attorney XXXX XXXX at XXXX This was for a Walmart credit card. 

Please show the account closed with a $ XXXX balance as this has been resolved with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act American Honda Financial account # XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.