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

This is regarding the transaction that I made today with PLS Check Cashers at XXXX XXXX XXXX, XXXX, IL, XXXX. I went there to purchase XXXX of XXXX car sticker. I explained to the Cashier that I moved from XXXX to XXXX recently. I presented to her various documents such as utility bills, USPS change of address notice, Mortgage Statement. She informed me that she needed a document from me to support that I transferred to XXXX. I presented to her the documents. She stated that, " this is not what I needed.I need a document that of a Lease of the new address. '' I informed her that I do not have the Lease since I bought the property and not renting it. 

The cashier insisted that I pay a late fee of {$60.00} for a XXXX of XXXX sticker. The reason that she charged me with additional {$60.00} late fee because I can not present a document that I moved to XXXX. I asked her that would it not sufficient that the change of address Notice date on USPS in XX/XX/XXXX? 

I think collection of late fee is not justifiable since I brought and presented to the Cashier all documents needed to prove that I transfer to XXXX. This is a form of unfair consumer charging in an unscrupulous way. 

I was charged for a XXXX XXXX Sticker for a total of {$160.00}. The car sticker is only good for 6 months ( XX/XX/XXXX ). I was charged of an additional fee of {$5.00} ( which it was not explained to me what this fee for ).
Product: Debt collection

Someone opened an account in my name which caused a debtor status to be placed against me. Now I am taking this step remove this potentially fraudulent information from my credit file. Moreover I do not recognize the account number listed for these item reporting nor do I recall establishing an account with the collector nor there predecessor. 
I never received correspondence to dispute the validity of this debt. PLEASE HELP REMOVE.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX in XXXX of XXXX from XXXX XXXX XXXX in XXXX TX. I was under the impression that this car would be financed by XXXX XXXX as was the other car that I purchased brand new at the same time. 

Two months later, I received a payment booklet from BBVA for the financing, but I never signed a loan agreement with them, but yet I still made payments on time. 

On XX/XX/XXXX I was hit by a drunk driver and my vehicle was totaled. I worked with the other person 's insurance company who settled the debt for less that what was owed on it. So I reached out to the GAP company and was assigned a claims adjuster to start the process. I've since submitted everything they have requested except for the 4 things they needed from BBVA to process the GAP coverage. I owe XXXX on the vehicle and BBVA is calling me to collect the debt, but have disregarded all of my emails, phone calls, walk in to the bank where I've requested that they send the required documents so that I can submit them to the GAP adjuster. I have not heard from BBVA total loss department regarding the requested Items. I got a automated generated email and that was it. My claim is about to close and will be denied if they don't received the bill of sale, a copy of the cancelled check, the purchase order agreement, and payment history letter. 

Not only that, I was told by XXXX XXXX XXXX XXXX that the reason the XXXX location was closed was due to bad business practices. We never received the 2nd key fob for my car and my wife never got her car tented as we were told This has been a complete nightmare after being hit by a drunk driver and now have 3 car loans. 

Please help me! Please. You can reach me at XXXX or my wife at XXXX. You have my permission to speak with XXXX XXXX if you can't reach me by phone as I'm a XXXX XXXX XXXX for XXXX XXXX. 

Thank you!
Product: Debt collection

Herrassing phone calls to me, my ailing mother, as well as damage to my credit with refusal to remove. When attempted contacts to get help or assistance, extra fees were added. They made it impossible to pay off, and my credit is permanently damaged. The stress is overwhelming!
Product: Credit card

Synchrony Bank seems to be discriminating against XXXX XXXX. This bank increased my interest rate to XXXX percent. Owed a total of XXXX on XXXX cards and ALWAYS paid on time. Do they feel that we are going to die before we pay them. They should be run out of business. Closed both accounts and going to close JCPenney, which is also Synchrony, in the next hour. Shame on this greedy corporate entity.
Product: Money transfer, virtual currency, or money service

In XXXX, I disputed a payment via cashapp of {$400.00} to XXXX XXXX with my bank. I later cancelled the dispute because me and the person settle our problem. Cashapp then forcefully withdraw the money from XXXX account even after the dispute was canceled. I sent them a letter and proved to them the dispute was cancel. Up until now, they are still saying they dont see that on their end. We never received the {$400.00} back. Cashapp basically stole the money.
Product: Debt collection

This is for an XXXX I did that was supposed to be covered by my insurance but the employee didn't take my information down correctly. Now I'm left with a huge bill that should of been covered by my insurance. I've already paid off the true amount I owe but they still won't take me off their computers as paid.
Product: Credit reporting or other personal consumer reports

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

This was clearly a billing error made 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 months that are reported late 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 XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights by reporting a fraudulent collection account to XXXX credit bureau. I have no open account with XXXX XXXX, nor have I ever done business with XXXX XXXX and/or with any business it XXXX be representing. XXXX XXXX recently reported that an account was opened XX/XX/year>, with XXXX XXXX as the original creditor. I have had no communications of any type, and no business of any type with XXXX XXXX before its reporting of said fraudulent collection account to the credit bureau in the amount of {$1300.00}. I have received no communications regarding this fraudulent account from this fraudulent collection company. XXXX XXXX has violated my rights under the following codes : 15 U.S. Code 1681 ( a ) ( b ) - Congressional findings and statement of purpose 15 U.S. Code 1692e - False or misleading representations - A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. XXXX XXXX has violated my rights by continuously reporting an inaccurate collection account to XXXX credit bureau. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit card or prepaid card

Chime Bank allowed unauthorized user to transfer my funds to an unknown account via XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX but I definitely I'm XXXX XXXX not whoever this XXXX XXXX person is not authorized to transfer my funds of XXXX was disputed I was told no error happened by chime dispute department also I'm XXXX XXXX statement backed and have a fee schedule for all unauthorized charges of XXXX pursuant to XXXX XXXX  statement I have full faith in credit also I had been over XXXX dollars at XXXX XXXX I also was treated unfairly when disputed 18 U.S. Code 287 - False, fictitious or fraudulent claims
Product: Credit reporting or other personal consumer reports

This company obtained my personal information through third party companies and sharing it on there platform for reasons unknown to me as you can see in the file I have know knowledge of the companies on the report and how they obtained my personal information I never give consent to do so
Product: Credit card

I believe Citi has engaged in deceptive advertising practices with respect to usage of their thankyou points on a XXXX credit card and has erroneously charged me for a recent purchase on XXXX that should have been automatically done using the thankyou points, for which none of the three ( 3 ) customer reps I spoke with took any responsibility nor attempted to resolve the issue in any way. 
Here is what happened. I have accumulated XXXX points and wanted to use those points on XXXX. Thus, I checked the " How do I use my ThanYou points to shop at XXXX '' directions on Citi 's website, which state the following : " Simply add your eligible Citi credit card to your XXXX account and use it to make a purchase to automatically activate the ability to use your points. '' I followed those unambiguous directions, added my Citi Thank You XXXX credit card XXXX to my XXXX account, and used it to make a purchase, only to find out that I had to take another step to be able to use my points, so not only did I not use my points, but now Citi is telling me I will have to repay the purchase I made on XXXX using Citi credit cards, which should have automatically been done using my points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate information being reported by Experian. I am the owner of account # XXXX with XXXX XXXX. I have asked Experian to correct this for over 4 months. I worked directly with the creditor XXXX XXXX they are reporting that I was late on and they wrote a letter stating this was in fact an error. First Experian reported this as a late in XXXX and then suddenly they moved in to XXXX. I supplied a letter dirrectly to Experian stating this account was never late from XXXX XXXX and they have failed to correct the inaccurate information. I have called them on XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022. I have Experian and attached the letters that were submitted and faxed on XX/XX/2022 and XX/XX/2022. Each time they tell me to file a new dispute and this is all that I can do. I have /requested a manager on several occasions and every time I am told a manager will call me back and I have never once received any call back from Experian. I have waited on hold for hours and been hung up on repeatedly. They have no method to correct this or manager to assist. I even gave them the number of the manager of all of XXXXXXXX XXXX XXXX  services in the corporate office to call directly in the dispute filed over the phone and they have still failed to correct this. I have also called XXXX to help me in this process and every time they tell me they are pushing through the correction to Experian but it has failed to be corrected. 

I have attached several letters I have submitted to Experian asking them to correct this. My Credit report currently and my previous credit reports which shows them moving the inaccurate information from XXXX to then to XXXX and still failing to correct the issue.
Product: Credit reporting or other personal consumer reports

I recently look at my credit file and noticed a Barclays bank account. I went through a divorce a few years back and it set me to go past due on a few accounts which I am not proud of. However, Barclays is reporting that the last time I made a payment was in XXXX but it was in XXXX. This is adversely affecting my credit and needs to be fixed so I can mediate the account with the bureaus as I have filed disputes with them as well.
Product: Credit reporting or other personal consumer reports

I called Trans Union due to their were companies that pulled my credit and created a hard inquiries. They neither had my permission or a permissible purpose. This is a violation of the Fair Credit Reporting Act. I asked them to investigate and remove these fraudelent inquiries and they refused. They refuse to investigate which is a violation of my rights under Fair Credit Reporting Act. I want these fraudelent, unauthorised inquiries investigated and removed from my credit report. I have listed the inquiries and dates below, I am including a list of the inquiries and a copy of my identity theft report as well. Please have them follow the law and remove the below inquiries. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$88000.00} charge off! 

Volkswagen credit XX/XX/XXXX {$39000.00} XXXX XXXX XXXX XXXX XXXX  balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a home refinance loan last week. I received the HUD disclosures today. The institution that we are refinancing with is XXXX XXXX XXXX XXXX. No issues with them. In the consolidated credit information ( from all three credit reporting agencies ), it was reported that I had a balance of {$5600.00} with JP Morgan Chase on a credit card. I called the bank and I was told I had to take that up with the credit bureaus and they had no further intention of doing anything about it. I spoke with XXXX  and XXXX. They both verified that their systems showed a XXXX  balance. I spoke with the folks at XXXX  and they refused to allow me to submit a dispute. So, I have issues with both JP Morgan Chase and XXXX.
Product: Debt collection

Im out on my own now my life doesnt always involve an extra XXXX $ to just throw around. I have bills and I pay on this joke of a bill when I can XXXX XXXX should be FREE! I last paid on XX/XX/XXXX and im being sent to collections and its only the XXXX of XXXX? I pay rent/utilities, insurance and other necessary bills. When I can pay on this I do but the continous harrasment is extremely frustrating. For a XXXX XXXX XXXX its ridiculous how ive been contacted every 3 days or so. I pay when I can afford to end of discussion.
Product: Debt collection

I was a victim of fraud in my checking and savings account in the month of XX/XX/2019, I realized the following week, I went to the bank to make the claim, they closed the account and opened a new one, made their investigations and returned everything to me My money was extracted, after 3 months they are calling me from a company Hunter Warfield, explain that I was a victim of fraud and that I am not going to pay a debt that I have not made, today I realized that they they put my debt in XXXX, they are damaging my credit, I don't understand how they can harm me without doing an investigation, they can go to the bank and verify that I was a victim of fraud, I want to try to solve this inconvenience that will affect my credit
Product: Debt collection

Ad Astra has consistently sent documents to my address stating that I owe a debt to them and have not been able to validate the debt. Ad Astra Recovery is also not licensed or bonded by the state of Texas to collect on any type of debt as stated on the XXXX website. Ad Astra needs to send information regarding being bonded by the state of Texas. Until then, they can stop with the sending of contracts and contacting me stating that I owe a debt. This information needs to be removed from all 3 reporting bureaus if it is n't provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act.The List of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions. 

5 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 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 then seven years.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer services 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 cause significant inconvenience and financial loss, and i seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I opened a XXXX XXXX Account with {$1500.00} limit on XX/XX/XXXX. I experienced no problems. I received a notice on XX/XX/XXXX that XXXX was transferring the account from XXXX to XXXX XXXX XXXX. This transfer was to occur as of XX/XX/XXXX. 
XXXX and XXXX XXXX XXXX  reported the account to credit reporting agencies for months. I attempted to rectify the issue with no success. Additionally, XXXX XXXX XXXX  is reporting erroneous information. 
I attempted to correct the issues directly with XXXX, XXXX XXXX XXXX  and XXXX XXXX to no avail. 
XXXX and XXXX are no longer reporting the XXXX account. I disputed the information with Transunion requesting the duplicate reporting cease. I received a response on XX/XX/XXXX indicating INVESTIGATION RESULTS- VERIFIED and UPDATED : The disputed item ( s ) was verified as belonging to you and information has changed or been updated to reflect recent activity. 
There is no way this could be true. Therefore, I sent a letter more fully explaining the error to Transunion and requesting the method of verification under FCRA Section XXXX ( a ). 
I received a response again stating that INVESTIGATION RESULTS - VERIFIED AS ACCURATE and UPDATED : The disputed item ( XXXX ) was verified as accurate ; however, other information has also changed. regarding information reported by XXXX. Transunion indicated INVESTIGATION RESULTS- VERIFIED AS ACCURATE and UPDATED : The disputed item ( XXXX ) was verified as accurate ; however, other information has also changed. regarding the information reported by XXXX XXXX XXXX. 
Transunion provided no information or documentation responsive to my request about the method of investigation as required by federal law. 
The following errors still exist on Transunion reports : XXXX. The same account is being reported as XXXX XXXX XXXX XXXX XXXX and XXXX 
XXXX. Both accounts have erroneous information. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  reflects the following erroneous information : i. Balance of {$1300.00} XXXX. Last payment of {$500.00} on XX/XX/XXXX bXXXX XXXX reflects XXXX following erroneous information : XXXX XXXX XXXX - 30 days late XXXX. XX/XX/XXXX - 30 days late I also disagree with the late payments reported by both in XX/XX/XXXX and XX/XX/XXXX. I am obtaining the supporting documentation to further dispute this as well. 
XXXX XXXX XXXX  is also reflecting my account as having no available credit ; however, the balance owed on the account is currently reflected as {$450.00} with a {$1500.00} credit limit. The response to my inquiry was some nonsense about me placing a cease-and-desist notice on my account in XX/XX/XXXX. All requests for proof of this are ignored. 
This is severely damaging my financial stability and resulted in the denial of credit.
Product: Debt collection

I received a letter from Weltman, Weinberg and Reis stating that I owe almost {$10000.00} for being an uninsured motorist involved in a car accident. 

I informed them that I have car insurance, have not been involved in any accidents and that the attempted debt collection was a mistake. 

They responded by sending a letter again demanding the {$10000.00} and this time including a police report stating the name of the driver at fault ( not my name ), the car involved ( not my car ) and the location of the accident ( a location that I have never been to ). 

It should have been quite obvious before sending the second letter that I have no involvement in this case. 

The case number is XXXX.
Product: Credit card or prepaid card

I brought a XXXX XXXX airline ticket using my American express credit card for my dad. on the departure day, we went to the airport so my dad can take his flight. but the airline refused to issue him a boarding pass and never let him take the flight. so he could not use his tickets. I reached out to American express to resolve the dispute and get my money back. American express asked me to provide a written explanation of event and what happened. I provided the written letter 3 times now to the American express but every time, American express close my case without resolving it telling me that I never provided the written letter. every time I upload the docs to American express site, I reach out to American express and verified that they did received my letter. now after 4 months, the issue has still not been resolved and I am being billed again.