23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I opened an American Express Delta Gold card on  XX/XX/XXXX.

I set up automatic payments on XX/XX/XXXX. When I set this up, it was not clear that the payment would not be automatically made for the next payment ( due on Sunday, XX/XX/XXXX ).

I checked my account of Monday, XX/XX/XXXX and noticed a {$27.00} late fee. I immediately paid the amount manually and reached out to American Express via the messenger app and they agreed to waive the late fee. They said in the fine print, it said that automatic billing would not take effect until the following billing cycle. 

The next statement had a {$45.00} interest charge. I again reached out to American Express, explained the situation and they said they would not waive this. I then said it seemed wrong to waive the cheaper late fee ( {$27.00} ) than the interest charge ( {$45.00} ). Then they agreed to waive the {$45.00} interest charge. This was a phone conversation that occurred on XX/XX/XXXX. This representative agreed to waive the interest charge verbally. 

I looked at my statement today ( XX/XX/XXXX ) and realized not only did they not credit the {$45.00}, they also charged me an additional {$4.00}. I called American Express today ( XX/XX/XXXX ) and they said the credit of the interest charged ( {$45.00} ) was later declined. Also, they said the {$4.00} was residual interest. I went ahead and cancelled the card. 

Here is the really frustrating part. The annual fee is {$95.00}, but is waived the first year. With all these fees, I ended up paying almost 50 % of this fee in the first three months of having this card. While this all started with the automatic payment setup, it feels the fees and treatment of this situation is ethically wrong. It seems as though American Express should make this explicitly clear during automatic setup that you must manually pay the first month. And the fact that they waived the cheaper option ( late  payment ) than the interest charge feels wrong. In the three months of having this card, I was charged a fee on each statement. 

I hope this can help others in the future. I am a customer that wants to make my payments on time. I am not sure why this was so difficult. Thank you.
Product: Credit card

I applied for a card with higher credit limit and was offered a card with a lower limit. During the application process I was told by the banking manager that my application needed further review to clear a credit exception. At that time, I was told my the banking manager I would be approved because she has a relationship with the underwriter due to the credit issue being mine. It was a minor collection that was misreporting ( currently now being disputed ). The issue is I was told by the banking manager that I would be approved for the original card request however approved for a card with a lower credit amount and features.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX On Report The Name ( XXXX XXXX XXXX ) should be removed from report. Fraudulent Name Please Remove From Report In accordance with the Fair Credit Reporting act. 15 USC 1681 The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX XXXX XXXX  : Account XXXX XXXX XXXX  : Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX Account XXXX XXXX  : Account XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX : Account XXXXXXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX  : Account XXXX XXXX XXXX XXXX : Account : XXXX XXXX XXXX  : Account # XXXX The Following Inquiries I Dont Recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Texas, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX These Accounts Are Not Accurate And Have Been Reported Causing Me Many Issues. 

Please Correct And Investigate The Following Accounts Within The 15day Or Less Time Frame. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the Please Remove According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than 1000. 

Thanks
Product: Payday loan, title loan, or personal loan

Due to unfortunate circumstances, ( my grandparents passing away from XXXX and being my sole providers. ) I was desperate and needed help with bills. I do not have a lot of credit to my name and was trying to a loan to help pay for my car insurance. A website took me to BrightLending.com where I was prompted that I was approved for a loan of {$500.00} on XX/XX/2020. I of course unknowingly accepted the loan unaware that the APR rate was 692.2058 % and will be paying 42 payments of {$72.00}. I was charged {$72.00} every Friday out of my check but I realized that every time I paid the {$72.00}, the loan was still in the {$500.00}. I then checked the loan agreement to see the that my rate was so high and at the end of this loan I would have spent {$2900.00} to finish this loan. This loan has caused to me struggle to pay my bills. I have called their customer service and no response. Also previously stated that my rate was 692.2058 %, I read further into my agreement that the fixed rate per year on the loan is 734.0224 %.
Product: Payday loan, title loan, or personal loan

I took out a loan with Rise credit in XXXX of 2021. Ive been just allowing an auto draft and decided to check the amount owed and why this loan is not paid off. I checked my account and realized Ive made 28 payments in the amount of XXXX and 4 payments in the amount of {$87.00}. This totals {$5200.00}. My loan amount was for XXXX. Not only are they overcharging, but the balance on the loan amount still shows XXXX! I refuse to believe this is a mistake after reading other complaints from consumers who utilized this service on XXXX This is intentional and disgusting. Im willing to take this so far. I expect my money back in my account, my account standing to be paid in full on GREAT terms, and this to be resolved immediately. This is really sad because it is indeed intentional. You all should really do something about this company! These arent lies from consumers and I have all the proof drafting out of my account as well as screenshots and videos of my balance. I have everything! My lawyer will take this to the extreme, honestly.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I received at Text msg asking if I transferred {$2000.00} YES or No I text back No and immediately my phone ringed popping up XXXX Under Chase Fraud Department I spoke with a man who told me someone was trying to take {$2000.00} out of my account and I needed to send it back to my self. 
I was such in a panic so I just did everything he was telling me to do. Not realizing I was actually transferring the funds to him. 

After realizing what just happened I contacted Chase immediately, I filed a claim but unfortunately Chase declined it and told me that there was nothing they can do to get my money back. I contacted the news as my next resort. 

Please let me know if there is anything else I can provide regarding this matter. 

Thank you! 
XXXX XXXX.
Product: Credit card or prepaid card

They solicited me for a $ XXXX line of credit card, with XXXX XXXX cash back if I spent $ XXXX in XXXX months. I joined, went to use card for a large purchase, denied it, said I had to build up a spending history. So how do you spend XXXX in XXXX  months? Impossible. Closed account. Account was setup as estatement and autopay/full balance. Never received one statement, assumed paid in full. Notified by XXXX  they filed a past due report on me after XXXX months. No statements, no call, nothing. They acknowledge external account for Autopay says too bad I didn't get statements. Offered to send them email and spam logs to prove no statements sent, didn't care. Would not do anything to rectify report. 
I also never received an email acknowledgement of my final payment, which I made earlier today, confirmation XXXX I do not have the full account number as I destroyed cards when I closed account, I have included most recent statement which I ws able to retrieve off line.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Open account Opened : XX/XX/XXXX Reporting XXXX days late twice on my report : XX/XX/XXXX, and XX/XX/XXXX Payment history is inaccurate I was never late I made all payments on time with an card that was on file. This negative information is damaging my credit profile, future and my character as a consumer that trying to get approved for an home. I was recently denied due to the fact this company is reporting false, unverifiable, incomplete and inaccurate information. 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 an account without my written instructions under an open end consumer credit plan as late for any purpose. I want this account to be updated correctly due to the fact this is my second attempt and this company XXXX XXXX and experian hasn't respond back and it been past XXXX days.
Product: Money transfer, virtual currency, or money service

My Wife and I both had Venmo accounts and I had direct deposit going directly onto her account because she pays the bills. Venmo without warning suspended both our accounts and will not let us have our money. I do not know dates. Its been a few months with no word from Venmo. I think this is criminal to keep someones money like they have. They do not respond ect. Honestly I think since they have kept our money this long with no reason I think they should have to pay a hefty fine.
Product: Credit reporting or other personal consumer reports

I have been requesting documentation from all XXXX of the credit bureaus to find out. How are they lawfully? 
Going to put information on my credit report. That does not have anything to do with a credit transaction, nor is it a judgment, nor is it a public record.. to this day, I have not gotten anything. The acct is the office of the Attorney General acct # XXXX, federal law always supersedeState and state law always supersedes procedure. How can the credit reporting agencies uphold something that is unlawful,, the reporting of child support is a violation of the separation of powers. Separation of powers is a constitutional law doctrine that divides the government into branches with separate powers and responsibilities. The purpose of this system is to prevent any one branch from becoming too powerful. I'm not saying a person should not pay or or take care of the child. But i'm saying the reporting of it on your credit report is illegal. A person that doesn't know there rights has no rights. How can the reporting of child support the lawful? When your own case law says that it is not, and yes, child support is a violation of the constitution.This has already been proven, it has nothing to do with a credit transaction. So, how is it on my credit report?? When child support comes back verified, my question is this. How can child support comeback verified? When your own case law states that it should not even be on your credit report? This means that an investigation was not done. Failure to investigate is a violation. There is a manner from TransUnion itself. That states, important notice credit reports for collections. Of delinquent, child support judgment finds, and leans are no longer permitted, it says that federal courts recently have issued rulings on the use of Consumer Reports for the collection of child support under the FCRA fair credit reporting act the three credit reporting agencies knew that ever since 2007 that child support is not supposed to be reported on a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I received an alert stating that there was a new hard inquiry from CBNA on my XXXX report. The alert said : A potential creditor or employer reported that they pulled a copy of your credit file because you applied for credit or services with them. This is inaccurate. I have not applied or done anything with CBNA. I reached out to CBNA,  which is Citbank and they have no record of this inquiry on this date. They pretty much gave me the run around. I called Best Buy, which I do have an account with them but that account is at a XXXX balance and I have not inquired for any new services. They also had no record for any transactions for XXXX XXXX, XXXX. I contacted XXXX and they were only able to give me the same information I gave them however, they were no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sunshine State Credit reported me 30 days late when I was not. They told me to dispute with you and then they will correct it on their end when they get complaint from you.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There are several accounts that need to be deleted off my account that are reported incorrectly and have the wrong information. 

15 US Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that a consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S Code 1681b - Permissible purposes of consumer ( a ) IN GENERAL, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency my WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.
Product: Debt collection

CREDIT COLLECTION SERVICES LOCATED AT : XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$370.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Credit card or prepaid card

I had been hospitalized and fallen behind on payments, attempting to get it back on track I was trying to make multiple payments in a month, a payment was reversed on XX/XX/2023 for {$50.00} I am waiting for bank statement to be sure there was funds on that day, I tried to make another payment on XX/XX/2023 I know there was funds in my account for that but the payment was reversed, both times I was charged {$30.00} for returned fee, payment was made with debit card. On XX/XX/XXXX I made another payment for {$20.00} to cover what was due that month, I then called and asked for a credit of a late fee and was told until my account was current they can't do anything, that is why I made the {$20.00} payment to get the account current. The person I talked to on the XXXX told me the return fee could not be removed and that they would credit me a late fee of {$40.00}. On XX/XX/2023 I noticed anther late fee and that I was credited {$30.00} on a returned check fee. I called them and questioned this, and was told that the {$20.00} had been declined, looked at my bank account and the money was taking from my account so I asked what was going on, I was then told that it was received on the XX/XX/2023 and that made it late, I looked at my account and payment was posted on XX/XX/2023 and that they would reverse the late fee. I questioned why the other late fee was not reversed and that a return fee, that was supposedly non reversible, was reversed, and could not get an answer. These items made me question the reality of my payments being made. Shortly after that last phone call I recorded an email informing me that my fees will be going up, maintenance fees, late fees, and return fees. I was giving the option to cancel my card if I did not want to agree to these fees and so I did.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX and Experian 15 U.S.C. 6801 This law is part of the Gramm-Leach-Bliley Act It requires financial institutions to protect customer information It requires financial institutions to have policies to respect customer privacy It requires financial institutions to protect against unauthorized access to customer records
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these Items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each Items is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 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
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT IS INCORRECTLY BEING REPORTED AS A CHARGE OFF ACCOUNT WITH A BALANCE DUE. PLEASE PROVIDE PROOF OF THE CHARGE OFF AND UPDATE THE BALANCE TO {$0.00} OR DELETE THE NEGATIVE PAYMENT STATUS ON THIS ACCOUNT. XXXXXXXX XXXX  NEED TO BE REMOVED ASAP! Also, according to the IRS A lender that cancels or forgives a debt of {$600.00} or more must send Form 1099-C to the IRS and the borrower. When requesting information on this account I have NOT received a 1099 C from the creditor or a contract bearing my signature. This account is being reported as a charge off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. I have constantly month after month to provide me the original contract with signature, a copy of payment history, and proof of debt authorization this debt isn't validate I have yet to receive all of this information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Urgent Request - Fraudulent information Block under Section XXXX of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : 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 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 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 Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Asked the companies to share the info they had on theses reports and have not had any response.
Product: Debt collection

Wrong ss number, does not belong to me, emails and calls wont stop. Asked them to remove.. chat, email, and phone calls made to them to clear this up.. Not mine, they called my work, swore at me, on sundays, and after hours legal. I want it removed off all three credit reports and to be left alone! I have also disputed with all three credit reporting agencies. they have my last four as XXXX i think. so it is not me as the last digit is wrong. going on two years of this.someone mustve used in my name if they did. NOT ME