23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my consumer report from three consumer reporting agencies. 

XXXX, EXPERIAN, XXXX all three of the following are report ( Inaccurate information ) different CREDITORS are listed with different address for the same alleged debt. 

XXXX ACCT # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX EXPERIAN- ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX THIS IS A VIOLATION of Fair Credit Reporting Act 15 USC 1681 15 USC 1681a ( 4 ) 15 USC1692d THIS is also DEFAMATION OF MY CHARACTER AS I STATED BEFORE, IF THIS MATTER IS NOT DELETED AND REMOVED I WILL SUE EXPERIAN, XXXX XXXX AND XXXX OF DEFAMATION OF CHARACTER.
Product: Credit card

I was unable to file a dispute or report the card stolen or lost online and over the phone. When I called and went through the robot system and asked to settle a dispute the line disconnected. I never lost my card, it was always in my wallet. However, a new card was opened under my name and a purchase made that I did not make. The website will also not allow me to change my account password.
Product: Credit reporting or other personal consumer reports

There are two issues. 
1 ) XXXX included my HELOC account with the credit card utilization rate, which is incorrect. This occurred approximately one year ago and took three months to get corrected. Recently, XXXX began to include the HELOC once again. I was unable to dispute, since I had previously disputed, but was able to upload again a copy of the HELOC Contract where is specifically states HELOC. XXXX decreased my credit score XXXX XXXX due to their error. I finally was able to speak with someone on the phone following several attempts and hours spent. This person was reading from a script and when I inquired if she understood what HELOC account was, she replied that she was reviewing my file and did not see a vendor named HELOC that I had an account. Then she proceeded to inform me that the multiple credit inquiries for a home mortgage were counted as one, again reading from a script. I informed her that is not the case, it should be, but is not. She apparently laid down the phone receiver/headset without any warning. I waiting and called her name several times and after fifteen minutes, I disconnected the call. 
2 ) Issues is related to multiple home mortgage inquiries, mentioned above, being counted separately rather than as one. 

Both the HELOC and multiple inquiries are spelled out as to how they are managed by XXXX, but they do not manage as stated. I have asked multiple times, if it would be easier to correct, if I provided them exactly where XXXX outlines the proper method of managing a HELOC balance and multiple inquiries and each time informed no. 

XXXX informs you that there is a process to manage certain accounts, but they fail to manage according to their own process. I have worked diligently during the past 20 years to maintain a stellar credit score and with two opportunities, XXXX has substantially impacted my credit score. XXXX takes swift action to penalize you credit score, as mentioned above by decreasing XXXX XXXX, but the increase takes months to get back to the original score. 

The IVR system set up at XXXX is only in place to prevent speaking with someone live. Only an obstacle and not for assistance.
Product: Debt collection

In XXXX 2016 my credit card was charged {$1600.00} on my XXXX account for a delivery made from XXXX. My credit union cancelled the card and subsequently closed its investigation of the case in XXXX 2016 affirming to me in writing that a merchant error was made. In XXXX 2016 I received a collection invoice from the XXXX XXXX XXXX for the disputed debt. I followed the dispute process ( responding in writing upon receipt of the notification ) and received a letter ceasing collection efforts dated XXXX XXXX, 2016. On XXXX XXXX, 2016, I received a collection notice from Transworld Systems Inc. for {$1600.00} plus collection fees {$220.00} for a new total of {$1800.00}. I called XXXX to inform them of the notification and they told me to call Transworld Systems Inc. and to reference their invoice number in order to access an email that XXXX would place in the XXXX accounting system regarding my account -- -apparently to bill the correct account. I called Transworld Systems Inc. and spoke to XXXX XXXX and she accessed my account and stated that I had been billed in error. She had information on who sent the order and who received and signed for the delivery ( a company from XXXX to a company in XXXX, KS ). I called XXXX back to report my communication with Transworld Systems Inc only to be shuffled from one section to another ( recovery to billing to fraud ). I called Transworld Systems Inc. this morning at XXXX MST and spoke to XXXX XXXX ( XXXX ) and she stated that Transworld Systems Inc. has closed out the collection process on me and my account citing that XXXX billed the wrong account. XXXX XXXX stated that I should not be receiving any further collection notifications regarding this false debt claim. 

XXXX billed my account/credit card for this shipment. XXXX continues to send this disputed debt to collection agencies without due diligence to accounting protocols. I have called XXXX XXXX, XXXX ext. XXXX, and emailed ( at XXXXXXXXXXXX ) this XXXX agent handling my case and have not heard back from her. XXXX has not corrected its files and continues to pursue me for a debt that I did not incur. They are not responsive and their actions constitute fraud.
Product: Student loan

I have XXXX loans serviced by Navient totaling {$25000.00}. Since graduating from XXXX University in XX/XX/XXXX I have been either unemployed or underemployed. At the time I was to begin making payments on these loans I requested payment information to cover any capitalization of unpaid interest and was given a dollar amount which was paid as instructed on a monthly basis. In addition, Navient never informed me of my options to avoid interest capitalization during any grace periods. To my surprise XX/XX/XXXX there was {$1500.00} of capitalized interest added to my loan balances. Given the fact that I was not informed of my options and that all interest payments were made as instructed by Navient I respectfully requested they remove such charges from my loans on several occasions. They have refused to date to remove such charges on the basis that I agreed to such an interest capitalization policy in my promissory notes.
Product: Debt collection

MCOA KEEPS COLLECTING ON DEBT DISCHARGED IN BK XXXX DISCHARGED XX/XX/XXXX. THEY KEEP COLLECTION FOR ALL CLASS ACTION MEMNBERS. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ETC..
Product: Credit card

CREDIT CARD : AMEX XXXX CREDIT CARD. 
PROBLEM : I made a payment to bring my balance owed to XXXX in an effort to get out of debt so I can improve my credit score to purchase a home. However, after making the payment to bring my balance to XXXX, AMEX and XXXX both charged interest on the purchases several days later. So, to my knowledge I had paid my balance in full then intentionally left the account open so it would help increase my credit score. I deleted my reminders to pay these cards since the balance was at XXXX ( {$0.00} ) and not until I got a MISSED PAYMENT notice AFTER being assessed a late penalty did I learn that several days after I made my full balance payment, they tacked on a small {$16.00} " Interest Charge on Purchases '' a full 5 days after my full payment posted. 
This is a misleading practice since the credit card company has knowledge of the finance charges accrued at the time of payment, therefore should be advising that full payment is n't complete until current past month ( in arrears ) interest /finance charges are applied. This also happened with XXXX XXXX as well. 
We 're not talking about a lot of money typically, but if someone is n't aware of fully understanding how interest on purchased in arrears is calculated the probability of a late charge being filed and reported to the credit bureaus negatively affecting a consumers credit increases significantly. 
SOLUTION : Simply reflect unpaid or un-billed Interest Charge on Purchases that are in arrears on current summary statements so the consumer can pay balance, and be immediately aware of the charges in arrears that will be showing up next month.
Product: Checking or savings account

Bank of America on numerous instances, refused to provide assistance of managers, has constantly posted over draft fees on my account, when asked about particular NSF transaction 's I have been met with belligerent behavior, yelling, unprofessionalism, behavior, one manager on a recorded call stating " I don't know why we took that money '' when demanding the funds back into the account the manager then states '' there is no money to put back '', I explained to her I wanted the money the bank took, the manager hung up the phone. The funds were only put back after an email from my company threatening legal action.

I actually have this particular call as well as a multitude of other recorded calls.

Bank of America, has on multiple occasions posted fraudulent NSF fees on my account.

Bank of America does NOT support small woman business owners, in fact, it is the exact opposite.

Bank of America needs a FULL audit investigation into its banking operations.
Product: Consumer Loan

I check my credit report regularly. Today I saw a notice that I had been hit with a 30 day late payment for a previous auto lease ( over 11 months old ) with Honda. I checked my online account, and saw that there was a charge of {$38.00} for one month 's worth of property tax due to Honda. I had closed that account as I leased another car with Honda. I paid my final payments. I even paid the property tax for my new Accord a few months later. I received no notification, no correspondence, no phone call regarding any additional property tax due. Instead, I have a negative mark on my credit report now, which can not be removed according to the Honda representative I talked to shortly after immediately making my payment. She inferred that I had dodged calls and correspondence for this charge. I would never dodge a payment. There is no circumstance in which I would ever evade calls from accounts to which I owe money. 
I am disgusted that even after paying the account, nothing can be done to correct the credit report which denotes that I am now 30 days late on an auto lease no longer in my name.
Product: Credit reporting or other personal consumer reports

I am dissatisfied with your claims and am challenging them due to the lack of substantial evidence to support your stance. I strongly encourage you to dispute this representation. Otherwise, I will take legal action against you. Let 's make it absolutely clear : I am a victim of identity theft, and it's an extremely distressing situation that no one should experience. Instead of finding assistance and understanding from your organization, I've encountered apathy and disrespect. Who do you think you are to dismiss my complaint as if it's inconsequential? Your dismissive attitude is not acceptable. I am the one grappling with the nightmare of unauthorized accounts and financial chaos, not you. I demand that you take my identity theft report seriously and initiate a comprehensive investigation without further delays. 

XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

The company is reporting {$8800.00} charged off with no proof of this write off. They are in violation of US Code15 1681 ( a ) ( 1 ) They are also reporting a original balance of {$11000.00} which is incorrect according to the letter they sent me the original balance was {$14000.00}
Product: Checking or savings account

I am using an investing company by distributing funds from my PNC account to my XXXX account. Unfortunately, PNC is blocking me from distributing funds to my investments with XXXX. It's my money and I would like to use it the way I want.
Product: Credit card or prepaid card

To whom it may concern American Express as an institution has shown actions that have displayed discriminatory and negligent business practices. Not only did they allow someone to open an account with my small business name and identifiable tax information. My business is registered and is legally owned by only me. Amex is responsible to close the account upon receiving knowledge its unauthorized which they did not do and I reasonably had to call back for almost a week to finally not get transferred from department to department and get help. At which point over a week had gone by waiting on my application with the company. They actually still allowed the other user to acquire new cards and also approved his account while me trying to report the account was ignored for 5 whole days leading the individual to create more damage to now my business credit profile. I also had experienced a completely different process than the individual who made unauthorized account. They allowed this account to remain open and ignored my attempts to close the account opened fraudulently based on XXXX score and also required me in multiple occasions to supply far more documentation than the individual they allowed to open accounts under my business unauthorized, prior to this occurrence of accepting the fraudulent application from the unauthorized individual. After this negligence thay caused me financial harm and the completely wrong treatment I received I believe I have reasonable evidence to show discrimination beyond reasonable Doubt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and XXXX in reference to my information being used but not authorized. I was given a letter to submit. I have submitted. I was told to check my inquiries in 24-48 hours to see it removed. it is still there. This is hindering myself from being able to secure a place to stay. These items are unfavorable and according to 15USC1681, this is unlawful.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Information on Credit Report Dear CFPB, I am writing to formally lodge a complaint regarding inaccurate late payment information reported by XXXX on my credit report. The late payments in question were marked on the following account ( s ) on the respective date ( s ) : LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX Under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), it is my understanding that my consumer report should not contain information related solely to transactions or experiences between myself, the consumer, and the person or entity providing the report. The inclusion of late payments as part of my payment history negatively impacts my consumer report, and I believe this is in direct violation of the aforementioned statute. Additionally, I am requesting that XXXX XXXX XXXX provide, in writing, the reasonable procedures it has adopted to ensure that each periodic statement is mailed to me no later than 21 days before the payment due date, as required under 15 USC 1666 ( b ). This should also include all information mandated by 15 USC 1637 ( b ). Per the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide me with the requested information. If the information is not provided within this timeframe, I will assume that you are unable to verify the accuracy of the late payments listed above, and I request that these late payments be removed from my account and consumer report with all relevant consumer reporting agencies, including but not limited to Equifax, XXXX, and XXXX. 
Please ensure that any corrections made to my account are forwarded to my address as listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my account standing. 
Thank you for your time and consideration. I look forward to a positive response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX
Product: Mortgage

In XX/XX/XXXX, I lost my job and requested a forbearance which Wells Fargo denied. I in turn paid the past due payment of 3 months in XX/XX/XXXX. I then received a forbearance from Wells Fargo to supposedly assist me in XX/XX/XXXX. The agreement was that I would start my payments in XX/XX/XXXX and the difference of the forbearance would be due at the end of the agreement in XX/XX/XXXX. I was instructed to call them if I became employed which I did. The following day without any notice or contact Wells Fargo removed my forebearance agreement and put me in foreclosure. However they continued to accept my payments and never advised me there were any concerns. I was not aware until XX/XX/XXXX when they stopped accepting my payments and left a notice on my door. I didn't find out until later that Wells Fargo stated I defaulted using the payments they agreed I didn't have to pay in the forebearance until the following year XX/XX/XXXX. They would not let me pay the account and forced me into foreclosure. They lied and said they served me while I was at work. I've been trying to rectify this with Wells Fargo for years but they have refused to remove the negative information. They claim the forbearance was cancelled once I had employment but that's not in the agreement information nor did they advise me of this or contact me. They put me in foreclosure one day after I contacted them telling them I was employed. They have since made me pay them an additional {$10000.00} to pay off the mortgage after they forced me into foreclosure. They intentionally wouldn't accept my payments starting in XXXX and didn't file foreclosure paperwork until XX/XX/XXXX to make it look like I wasn't paying.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequ

ate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

I was in deferment since I was attending classes as a XXXX XXXX XXXX untill XX/XX/XXXX when the deferment period of the loan ran out with AES. Since I was still attending classes I did not receive any messages about this since I had no idea to log into the account. They finally reached me in mid XX/XX/XXXX and told me the situation and that they would mail and email me the form to fill out. Since my printer was broken I waited for the mailed copy but it never arrived. I printed it out and mailed it mid XX/XX/XXXX and they received it XX/XX/XXXX. XX/XX/XXXX they defaulted the loan to XXXX  XXXX and informed me I needed to speak to them. I spoke to XXXX and they kept saying I needed to speak to AES about the loan until someone at XXXX said they will speak to their manager who said they would contact AES. I never heard back from XXXX or received a voicemail from a number identifying them as XXXX. Starting in late XXXX early XX/XX/XXXX started receiving calls from debt collectors on the loans since it went to two different companies, one loan for XXXX and the other one for XXXX. Called AES and they say their is nothing they can do since it was a private loan and that the form I filled out from the message they sent was the wrong one. Called XXXX as well and they won't do anything as well.
Product: Mortgage

I 'm making payments to bring my account current, I reviewed the my account on line to verify that there 's a XXXX balance on my account. I asked what this balance represented and it was explained that this was due to sending someone to verify that I live at my property? In awe I said excuse me! The person indicated that we tried to contact you unsuccessfully and we sent someone to make sure you lived at the address. I said and how did you do that when since I 've purchase this home no one has ever come here to verify that I live here so how did you do it? she placed me on hold and came back a few moments later and said it 's a maintenance fee? I said maintenance of what she said whenever your mortgage payment is late we send someone to ensure you live there, again how did you verify this? This is a not so clever way to charge me a late fee even after incurring a late fee for paying my payment late yet your calling it something else! I want this charge removed from my account and it should be reviewed as fraudulent practices because it was never verified that I did live here other than the fact that I submit my mortgage payments, and I speak or have spoken with someone in this company at least once a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to work on my credit and I have not received any mail from XXXX and XXXX
Product: Debt collection

This company " COMMONWEALTH FINANCIAL SYSTEMS, INC ( cfsi ) has violated several of my consumer rights. on XXXX i disputed a collection, they deleted the collection and they put it back on my credit report without notifying me in writing within 5 business days. Under the FCRA part ( A ) ( 5 ) ( B ) ( ii ) this is a violation- Consumer protection afforded by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 chase card reported unrecognized hard inquiry on my XXXX credit report, which its not my
Product: Checking or savings account

I have my both Personal and Business Accounts with Chase Bank.

Recently, I have seen someone or a some fraudsters have been putting monies into my both Accounts. I told the bank, but they only closed and froze my accounts. The business account was closed but nothing has been done about it for over two months now.I had money already in the account before those strange money came in. I did not touch the strange money. They have refused to give me my balance on that account. I called many times, been at the banking halls, even today. I went to report at the police stations multiple times.I have still not got my balance. 
I saw someone or fraudsters putting money into my personal account where I receive my unemployment benefit from. I reported and then they have frozen my account and can't buy food to eat. 
I suspect some XXXX whom I had business contract with are using my identity to operate. They frozed my business account two years ago.They collapsed my business two years ago and made me went bankruptcy. I suspect them. They might be using my identity somewhere else. 

Thank you