23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have called Capital One twice to understand how my minimum payment is calculated. I have experience with credit card calculations since I use to work for a local bank where I handled credit card openings, closings, payments, system issues, etc. So, my knowledge of the subject is very extensive. Here is my issue with how they say the minimum payment is calculated : 1 % of your principal balance, plus fees and interest, the 1/12th of your annual fee ( if you have an annual fee ). Yet, they apply the payment differently. They apply the minimum payment as : principal, interest, and " fees '' ( if any ). They have said that 1/12th of my annual fee that they required to be a part of my minimum payment is actually being applied to the principal balance. This is in favor of the customer but is misleading since I still will have to pay the full annual fee when it comes due. If a company 's minimum payment requires 1/12th of the annual fee to be calculated into the minimum, then that 1/12th of the annual fee should apply to the annual fee. I have confirmed twice that it is n't going towards my annual fee. I have tried to get something in writing on " how the minimum payment is calculated '' but they only send me my " current terms '' and " agreement '' which does n't include how the minimum payment is calculated. I still have what they sent me in my possession. So, I can not get a confirmation in writing that this is truly how it works. My concerns are : is my payment truly being calculated as they say, is my payment truly being applied as they say, it seems unfair and misleading to those credit card customers who do have an annual fee to have a minimum payment include their annual fee yet still responsible for the full annual fee at a later day, it 's also unfair that a credit card consumer with an annual fee has a higher minimum payment calculation than those that do NOT have an annual fee ( most with an annual fee are rebuilding their credit and have a limited income ), should n't how they calculate their minimum payment public knowledge and/or in writing where it is easily accessible?
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$870.00} XXXX : XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance XXXX {$1000.00} XXXX XXXX Balance : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$870.00} TransUnion : XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$870.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft , not later than 4 business days after the date of receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

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 a account without my written instructions 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 Accounts : - XXXX  Account # XXXX Late Payments for XXXX, XXXX and XXXX of XXXX
Product: Vehicle loan or lease

My vehicle was involved in an accident and was deemed as a total loss by my insurance company. This finance company Bridgecrest received the final payoff from my insurance company on XXXX XXXX. To date this company has failed to process the payment and close out this account. I am unable to obtain a new vehicle with this still showing outstanding. I have contacted Bridgecrest more the 7 times and they refuse to assist me with resolving this issue.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> a scammer stole {$800.00} via XXXX. There is a scammer who has infiltrated different mom groups to scam XXXX XXXX tickets. I know that it happened to two people at least within a few hours yesterday, including me. The hacker hacks into someones account - this time in the XXXX XXXX XXXX XXXX XXXX XXXX and poses saying they have tickets that they are no longer using and want to sell to friends in the group for first dibs. THe conversation sounds extremely realistic and like that mom in the group. For myself, I used XXXX to send her the money and then once the email of the tickets came in I realized it was fake because it was from a different email address and had fake tickets. By then my XXXX was sent. I called my Bank XXXX BofA but XXXX is not protected so now unless they catch this hacker and these funds I am out the {$800.00} i paid. 

I sent the below message to BofA and spoke to someone multiple times and they said I could not get my money back. I also reported this incident to FBI crimes and local police. 

I am writing to you as a Bank of America customer who recently experienced a significant financial loss due to fraud on my account using XXXX. I am writing to you in the hope that you can help me resolve this issue as soon as possible. 

I was informed by the Bank of America customer service team that the funds transferred through XXXX to a US Bank account can not be recovered. I understand that your team worked on investigating the matter, but I am deeply troubled by the fact that other people impacted by a similar scam who used XXXX were able to get their funds back. I expected XXXX to be even safer than XXXX because it is part of my trusted bank. This makes me lose my trust in the bank and using XXXX. 

As a loyal Bank of America customer with a family to support, the loss of {$800.00} due to fraudulent activity has had a significant impact on my finances. I have always appreciated the excellent service and security measures provided by your institution. However, this recent incident has caused me immense distrust with the bank and using XXXX.
Product: Debt collection

i have try to contact the company that claims i owe a debt however the information they have is wrong the social security number they have do not belong to me and is unable to provide me with any paper work with the right social security number on it that i sign and the social security is my correct social securiy number
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX XXXX XXXX Account # : XXXX - XXXX XXXX || Account # : XXXX
Product: Mortgage

I was fired from my job in XXXX 2017 and it was a bit of a struggle over the course of the next few years. I did my best to not fall behind on payments, but a few late payments did occur.
Product: Credit reporting or other personal consumer reports

Under 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. I am a victim of Identity Theft. I have NOT opened, benefitted, or authorized anyone to open any accounts in my name. 
XXXX XXXX {$630.00} XXXXXXXX XXXX XXXX XXXX {$13000.00} I looked at my TRANSUNION credit report on XX/XX/year>, and noticed some incomplete and inaccurate things. Also, the Credit Bureau is reporting fraudulent accounts on my profile. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates according to 15 USC 1681 ( e ) ( b ).

And according to15 USC 1681 1i5 they are supposed to do this ( 5 ) Treatment of inaccurate of unverifiable information ( A ) In general, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2, they are supposed not to 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: Consumer Loan

I received a letter in the mail from Castle Payday ( not a payday loan, so they claim ). 
while applying online with specific agreements and rates and how much i would be paying and interest and fees, every thing was flowing smooth and i agreed on an {$800.00} loan. 
before i could finish the process, they call me and want to finish out on the phone and they tried changing up the agreement where i would pay a {$400.00} fee up front on my first payment, I told them that was not the agreement i electronically signed on the application over the internet, and that if we are going to proceed, I will only agree to the original contract i signed, they finally after bickering back and forth agreed ( i think just to shut me up ), they pulled a bait and switch on me - they then proceeded and the next day, I had {$800.00} in my account, i called on my due date to process payment which was automatic but i needed to confirm it, they wanted {$400.00}, I told them that was not the agreement i signed, they then email me an agreement that i never saw before, not once, it had a 560 % interest rate, making the total {$800.00} loan, {$6200.00} - - i would never in my life agree to a loan like that, it is insane, ( im enclosing an attachment of the agreement, i had never seen this nor did i sign this, my first time even knowing about it was when they sent it to meafter i complained with them for not honoring the agreement - this is not the agreement i signed or acknowledged ) i never was presented with this - i called and they told me i could pay XXXX and close out the loan, i said i dont have XXXX could i pay the XXXX and then pay the rest next month and it close out, they confirmed that yes i could ... ..next month rolls around and they tell me i have to pay another XXXX plus the XXXX, i cant just pay the XXXX ... .basically i have to pay XXXX out right, at least thats what they tell me this time, im sure it would change next month as it has changed every time i talk with them, they dont honor their agreements so i shut down my bank account and im not going to honor my original agreement, they got their money back and they are not getting anymore, my only concern now is that because they are deceitful and scamming and have the abilities, they can now affect my credit ... im not the only one, there is a website of XXXX 's of complaints identical to mine in regards to castle payday consumer loans
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for XXXX  And Experian to do an independent investigation and they didn't. Because of this, I have re-sent my previous dispute letter with the one that was mailed out mid of the year and I need for this to remove or delete per my original request. These do not comply with FCRA regulations. 
I need to see the paperwork that shows how these were investigated. I also need to see where this information originated from because I've provided direct facts from the credit report. These facts can not be refuted! How can they state that they are accurate when I've clearly pointed out exactly why they can not report? 

XXXX I need to see the proof that I was ever late or this needs to be updated XXXX this is still reporting with an inaccurate court name and this is now in violation of section 1681, 609 and 603.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit is XXXX i have no credit and can't get approved for any credit because i don't have any credit so how am i supposed to build credit if i get denied for everything i apply for and the only thing that's on my record is hospital bills from when i was pregnant and i was on XXXX so XXXX should have paid for those bills but for sum reason they are still on my record i have tried to get it taken off but it aint went nowhere. i have tried and tried to build credit but cant seem to get approved for anything since i don't have any so what do i do how do i build credit if i cant get approved for anything that do i do because i cant even get a loan and im trying to buy a home and start a business but cant because i have no credit what should i do
Product: Credit card

Once again a problem with checkout at Ebay and Paypal. I filled out my credit card information for {$75.00} payment for Ebay item XXXX ( XXXX & XXXX DVDs ). I specifically bypassed all the buttons for Paypal and Paypal Credit and specifically clicked on credit card filling in all my XXXX XXXX XXXX information. I verified that the tick mark near credit card was active. I hit submit payment. The payment went through Paypal Credit and NOT my XXXX XXXX. I attempted to resolve this with Paypal ( XXXX ) and she said she would check and came back and stated they say no system issues. Incredibly enough that is similar to what occurred with a prior checkout that promised Paypal Credit and then did not appear at checkout. I have attached a whole forum of people that have had the same issue and yet Paypal ( and Ebay ) deny any wrongdoing or issues. She said I should contact the seller to refund the money so I can check out again for my preferred payment method. I am not going to taint my transaction with a new seller by yet another foul-up by checkout systems. My payment method of XXXX XXXX was diverted against my wishes.
Product: Credit reporting or other personal consumer reports

UNAUTHORIZE REPORTING OF INQUIRES. I DID AUTHORIZE THESE ACCOUNT INQUIRIES AND WOULD LIKE IMMEDIATE ACTION! Simply " parroting '' information from data furnishers without an actual independent verification constitutes willful noncompliance, as affirmed in Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ).
Product: Credit card or prepaid card

I contacted Disputed all charges that were posted to my account after XX/XX/XXXX. The last time I used the card was in XX/XX/XXXX. Therefore any charges that were posted to my account in XXXX are fraudulent. 

ALL charges that posted from XX/XX/XXXX to XX/XX/XXXX were fraudulent. I had not used the card since XX/XX/XXXX. 

My house was vandalized/burglarized on XX/XX/XXXX and I was incarcerated on XX/XX/XXXX and not released until XX/XX/XXXX. Therefore. I could not made of the purchases that were posted to my credit card during those dates. 

Since arrest records are public it is very easy to confirm the fact that I was incarcerated. It is obvious that my financial and personal information was comprised before and/or after my home was burglarized.
Product: Payday loan

I get calls from this number threating me. The FbI and State of Wisconsin said this is a scam call. I want them to stop. The phone number is XXXX
Product: Credit reporting or other personal consumer reports

I am requesting deletion of the XXXX XXXX collection account # XXXX from my credit report due to the inaccurate reporting information they have been providing, this company has COMMITTED FRAUD and reported that I have had a collection since XXXX of 2022 but upon my 2022 report thats uploaded there's no collection reporting from XXXX. But XXXX has the account reported open in XXXX of 2022??? SO THIS IS A COMPLETE LIE I found this information from my EXPERIAN CREDIT REPORT, I HAVE DISPUTED THIS AND ITS COME BACK ACCURATE, THEY HAVE FAILED IN INVESTIGATING PROPERLY THIS IS A DIRECT VIOLATION of 12 CFR PART 1006 REGULATION F WHICH STATES 1006.18 False, deceptive, or misleading representations or means. ( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section. all three credit bureaus have failed in validating this information which is a violation. Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I want this deleted completely, not corrected I have not signed any contract in XXXX of 2022. This is FALSE REPORTING ON MY CREDIT REPORT AND ILLEGAL, REMOVE THIS
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report that I can not explain. When I checked as I usually do, I saw discrepancies that came out of nowhere. Refreshing my browser didnt solve the issue ; the inquiries remained. I am deeply frustrated and demand a thorough review of the documents I submitted to ensure this matter is fully resolved and I dont have to worry about it again.
Product: Debt collection

In 2016 things were on Credit report that were in accurate and are still on my report to this day and I wrote letters numerous times to get a thorough but still no response
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$970.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$6900.00} ; XXXX XXXXXXXX XXXX Balance : {$2600.00} ; XXXX XXXXXXXX XXXX Balance : {$5800.00} ; XXXXXXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$7200.00} ; XXXX XXXX XXXXXXXX Balance : {$3300.00} ; XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$9000.00} ; XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$2500.00}.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash-app because of inadequate 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 was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These acts have caused significant inconveniences, and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

I 'm having an issues with Barclaycard processing payments by check on-time. My XXXX has to write a physical check to Barclaycard bank, Twice they processed checks late on XX/XX/XXXX and XX/XX/XXXX. Both times I got assessed late fees. It was waived for XX/XX/XXXX payment, but they would n't waive it for XX/XX/XXXX. My bank clearly shows they got the check by XX/XX/XXXX which was Friday before XXXX holiday weekend. Barclaycard bank did n't process it until XX/XX/XXXX. 

I have n't ever had issues with my bank not delivering payments on-time except for Barclaycard bank
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone by the name of XXXX XXXX has used my personal information for a order with XXXX over a year ago. I have contacted XXXX several times since last year and each time Ive spoken with them I have been told that the order was marked fraudulent but they have not refunded the loan company that issued the payment, which is XXXX. The person applied for the loan with an address that I have not been associated with in over 10 years. This matter is getting out of hand and is causing me great frustration. I have taken all of the steps necessary and have cooperated with both companies. Theres nothing more I can do.