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

On XXXX XXXX, XXXX I made a purchase for {$61.00}. XXXX at an XXXX XXXX XXXX store at the mall near my home in XXXX FL XXXX XXXX XXXX XXXX. The sales person asked if I wanted to open a XXXX Credit Card and I said that I did not because I travel a lot and have a hard time keeping up with small amounts on credit cards and instead preferred to put everything on my XXXX and auto pay through my bank. She persisted however and even misrepresented that if I opened the account I would still be able to apply the charge to XXXX card which turned out not to be the case. XXXX days later I paid {$32.00} towards the {$61.00} which gave me a balance of {$29.00}. I was then late with next month 's balance because I was traveling and received a late fee and minimum charge ( whatever that is ) they reversed the late fee but not the min fees although they did give me a credit of {$.00} on finance charges which I had not been charged which was a bit confusing. I paid the new balance of {$31.00} and somehow ended up with a balance due of {$.00}. So with a balance due of XXXX cents they continued to charge late fees and minimum charges and finance fees until I ended up with a balance of {$56.00}. Honestly, I had not given the account another thought because in my mind it had been paid because when they said they would reverse the last set of late fees ( that had been added to a XXXX cent balance ) I was unaware that they would only reverse XXXX cents of a XXXX dollar minimum fee charge. When I called to settle the confusion, they refused to do anything about it and threatened me with continued late fees and interest if I did n't pay it. I was angry and demanded they close my account and subsequently wrote a check for {$56.00} and mailed it along with a letter to the president of the company, XXXX XXXX XXXX explaining the abusiveness of his credit arm XXXX XXXX. I have n't received a response but did get another call from XXXX XXXX today from an abusive rep who announced that my new balance is {$89.00} XXXX keep in mind this is on a XXXX cent balance ) and kept putting words in my mouth like " I am noting that you refuse to resolve this ''. I am attaching the print out of my account activity in support of the way this account has been handled as well as the XXXX spreadsheet I did to show the current balance after each transaction. I have also include my letter to XXXX XXXX, president and CEO of XXXX XXXX. I do not know what the law is but it can not be in support of this kind of abuse towards consumers and I appeal to you for some kind of help in resolving this. I have an excellent credit standing and pay my bills but refuse to be a victim of such practices. Thank you in advance. Please do n't hesitate to contact me if there is anything else you might need from me. XXXX XXXX, XXXXXXXXXXXX, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Capital one Walmart card has fraudulently reported on statements that I owe them more than truly what I purchased. I purchased {$290.00} and paid it off today. They are trying to charge me for items returned and not on my card. This is fraud and I closed the account and will not pay them another XXXX. They have a Third World communistic country answering their phones, and they are very unprofessional to say the least and I will not deal with companies like this ever again. 

I only purchase something XX/XX/XXXX for an amount of {$63.00} Then on XX/XX/XXXX I purchased {$220.00} These are the only charges that should be applied to my account and I paid this off today. 

The charge on the XXXX billing of XX/XX/XXXX for {$220.00} is fraud and Capital One is reporting a charge that was returned and the reporting the wrong amount.
Product: Debt collection

I am being continually harassed by CLX Systems/Westwood Management , Inc. They call my house and my cell phone multiple times, sometimes many times in the same day. Now they are harassing me at work. Now, they are faxing and calling my office to in an effort to embarrass me. 

It is on going and relentless. I would like it to stop. 

If you would be so kind to help stop CLX Systems/Westwood Management, Inc from continually harassing me I would greatly appreciate it. 

Thanks you
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent XXXX XXXX has been removed from my Account # XXXX Experian and XXXX are fraudulent on the following accounts : XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX on my credit Acct # XXXX fraud. 
XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX is fraudulent on my Account Number : XXXX XXXX is fraudulent on my Account Number : XXXX
Product: Debt collection

XXXX XXXX has reported to the credit bureau, XXXX, the same debt twice in the amount of {$810.00} totalling {$1600.00}. The collections are showing on my credit report both times and are hurting my credit.
Product: Student loan

The interest on my loan needs to be recalculated. I initially took out student loans in XX/XX/XXXX-XX/XX/XXXX. Later I returned to school from XX/XX/XXXX-XX/XX/XXXX and during that time the previous loan was not deferred while I was in school. My current loan servicer, Navient, has no record of attendance in XX/XX/XXXX-XX/XX/XXXX, and the advocate says they can not do anything despite having official transcripts presented to them. In searching the Dept. of Education Database, there is no record of my attendance during the years of XX/XX/XXXX-XX/XX/XXXX, therefore the loan was never deferred and interest accrued. Additionally, I question the interest charges during the period of XX/XX/XXXX-XX/XX/XXXX. During these years I was a student, on welfare and was not offered deferment of my loans. I need assistance in obtaining the true amount owed at this time after the interest adjustment. I would appreciate having someone who can help me a ) submit the official transcripts for school attendance from XX/XX/XXXX-XX/XX/XXXX to the correct contact, and b ) revisit the circumstances of the period during the years XX/XX/XXXX -XX/XX/XXXX, leading to a recalculation of my current loan balance. Your help is greatly appreciated. Thank you.
Product: Debt collection

Received a letter from this company  XXXX   XXXX  claiming I owed money on  a 4 year old h ospital visit {$660.00}. At the time I had  XXXX  and a supplement, at the same time they filed as a collection account with the  XXXX  major credit reporting agencies in order to wreck my credit and force me to pay. In the letter I was given 30 days to notify them if I disputed the validity of the debt, however they notified this as a collection account immediately to the agencies. I have called them twice and can get no answers, these are sleazy scammers. If you note in the letter they cant even spell my name correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota Financial Services DENIED my request to change my payment due date to the XXXX of the month for more than a year ago. Thus, access my bank account 2 times per month on the XXXX of each month and then REPORTING to the credit bureaus INCORRECT INFORMATION about my payments. I should be compensated for this inconvenience because the INCORRECT INFORMATION has affected my credit score as well. 
I also would like to QUESTION the APR because I was given an APR of 16 %. While my white counterpart who 1 a man and the second a woman with the same credit score got a LOWER APR.

I will like to get REASON ( S ) why my APR was so high when I have a SSD check yearly statement as proof of my INCOME, lived at the same RENTAL since 2014, paid all my utilities gas, water, heat, cable and electric bills as well. One the the white person who received a LOWER APR WAS HOMELESS AND THE OTHER HAD A CREDIT SCORE OF 5.0 I believe that I received a HIGHER CREDIT SCORE as per a NORM for black and Hispanic people who are doing business with Toyota Financial Services.
Product: Credit card or prepaid card

My account is locked and have not received a reason why. I reloaded my card as I usually do and when I kept trying to get into my account via the Serve app it kept saying basically that my Password and Username is incorrect. So I kept trying to change it to no avail because I knew that my Password and or Username was correct and couldnt understand why this was happening. So I called Serve Card Customer Service and had spoken with the Representative and had gotten of the call with XXXX at XXXX XXXX XXXX said Said that she will send it to the back office and make it urgent. They will start working on it within the next few minutes. XXXX said that they may send an confirmation via email and if they dont just call back. She said that they locked my account. I asked her why and she said she didnt know. It was no reason for my account to be locked because I reloaded it tonights s I had always done and there was no problem. So I had called back and had Spoken with XXXX @ XXXX XXXX. when the call was ended. He said that the account should be unlocked within 24 hours. He said they didnt list a reason why the account was locked. So here I am the next day without my funds being made available to me for absolutely no reason at all. Some months back I had decided to go with American Express Serve due to the good reviews and was having no problems. Now I see how they take your money and hold onto your money for no reason at all. This is an absolutely horrendous experience and no one from American Express Serve is giving me any answers or telling me why this has occurred! All I know is that I went to the store handed over my money to the Cashier and reloaded my card and now Im not able to use it because American Express Serve has mad my funds inaccessible. This is absolutely ludicrous and I am asking for my money to be made available to me and I feel that what Im asking for is just and fair. I was very happy using the American Express Serve Card until this incident happened last night onXX/XX/2020. Im not asking for much ... I only want to be able to pay bills and to be able to cover my basic expenses. I am just desperately asking to be helped in this situation and would be so grateful and thankful to have this issue resolved. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting or other personal consumer reports

I have been trying to repair my credit to ensure my family a better life. Upon my pursuance, I noticed that the company Lexis Nexis had sold my information without my knowledge nor consent to companies for a profit. When I found this out I wrote to Lexis Nexis on four different occasions to rectify this situation : ( XXXX ) XX/XX/XXXX Consumer Number : XXXX Case Number : XXXX XXXX pages ; ( XXXX ) XX/XX/XXXX Consumer Number : XXXX Case Number : XXXX XXXX pages you removed some info; ( XXXX ) XX/XX/XXXX Consumer Number : XXXX Case Number : XXXX XXXX pages added info back ; ( XXXX ) XX/XX/XXXX Consumer Number : XXXX Case Number : XXXX XXXX pages. To no avail did Lexis Nexis remove this information. I recently submitted a certified letter through USPS ( XXXX XXXX XXXX XXXX XXXX ) in which I asked them to please remove all non pertinent information from my report. The letter was documented as being received by Lexis Nexis on XX/XX/XXXX. I have received no correspondence from them regarding this request.
Product: Credit reporting or other personal consumer reports

I am writing to address multiple unresolved issues with the information on my credit report in TELERECOVERY, despite prior disputes I filed regarding inaccuracies. I initially reached out to correct discrepancies, including errors in the dates of last payments, dates accounts were opened, payment history, and account status. After providing supporting documentation, I was assured that an exhaustive examination had been conducted. However, as of today, my credit report remains unchanged, and the errors persist. Moreover, I have noticed negative actions have been taken on my credit report despite these unresolved issues. My full name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX XXXX. My date of birth is XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. Under 15 U.S.C. 1681e ( b ), TELERECOVERY is required to maintain reasonable procedures to ensure the accuracy of the information provided, and my submitted evidence of inaccuracies shows a failure to do so. According to 15 U.S.C. 1681i, TELERECOVERY is obligated to investigate disputes within 30 days, but I have not received any update or resolution. This delay constitutes a violation of my rights. Furthermore, under 15 U.S.C. 1681 ( a ) and 1681b, a consumer report can not be shared without my written consent unless exceptions apply. I request confirmation that my consent was obtained for any recent disclosures of my credit report. As part of my efforts to resolve this matter, I have filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXX and expect TELERECOVERY to cooperate with the FTC in addressing these concerns. To resolve this promptly, I request a reinvestigation of my credit report, specifically addressing the inaccuracies in payment dates, account opening dates, payment history, and account status. I further request that erroneous information be corrected or removed immediately. Please provide a detailed written response outlining the steps taken to resolve these issues and ensure compliance with the FCRA. If these issues are not resolved within 30 days, I will consider further legal action, including seeking damages for violations of the FCRA. I expect your prompt attention to this matter and resolution within the legally required 30-day timeframe.
Product: Credit reporting or other personal consumer reports

I disputed a closed account discrepancy on my TransUnion and XXXX credit reports. The account balance closed dates and last payment dates were different. I disputed through both portals and TransUnion reopened the account and changed nothing. XXXX changed nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Santander Consumer USA that I had until XX/XX/18 to make a payment of {$760.00}. And that if the payment was received by this date then my account would not go into default. L But they filed on my credit on XX/XX/18 causing my score to drop 42 points. I contact them and they stated that the letter was automatically generated and that the action they took were correct. They also filed that I owe the full balance of the truck which is incorrect, it should have only been for one missed payment at that time. {$380.00} The truck was deemed a total loss by XXXX XXXX XXXX XXXX and Santander was notified. I have never missed a payment ever and I dont understand why they did not honor the letter. I have called them everyday trying to make sure that whatever I needed to do was being done and to confirmed when they received the check for {$4500.00} from XXXX   XXXX. No one ever stated to me that I needed to make a payment because I signed the truck over on XX/XX/18 to XXXX XXXX. I informed them with proof from XXXX XXXX that they were sure to be paid. As of now I have contacted the insurance company which stated a check was mailed out on XX/XX/18 and the Postal service stated it should arrive in 3-5 business days with me giving them the zip codes of where from and where to. It should have arrived on Saturday XX/XX/18 and received Monday XX/XX/18. But every time I call Santander they a very rude with me and they are still stating they have not received the check. I feel discriminated against. They treat me like Im a joke. I have asked them for assistance since I am XXXX and has been for the past 5 years. And this morning Santander tried to pull my credit Without my permission or consent. I called them after they had already tried to pull it. I received an alert from the credit bureau.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I had made a sale on XXXX and the payment was processing!! The gentlemen that I had spoke to had stated I could ship the item to the buyer, as soon as the item was delivered the payment was canceled!! And now Im out a sum of XXXX I had made 6 calls to PayPal to get my money back and they keep giving me the run around and keep telling me every time that it will take 24-48 hours to complete!! Nothing in being done!! I want my {$96.00} back
Product: Checking or savings account

As a past small business J. P. Morgan Chase Bank customer, I recently received a XXXX check which likely cost other bank customers at least {$50.00} in administrative handling. J.P. Morgan Chase Bank need not be accountable for this bizarre in wasteful behavior. As a business customer J.P. Morgan Chase Bank would regularly place a hold on monthly deposited check so to predatorily collect over the years ( e.g., XX/XX/XXXX to XX/XX/XXXX ) hundreds of dollars deducted expectantly. This is now expected classic behaviors of JP Morgan famous parasite on the commerce of Science & Technologies ( e.g., XXXX XXXX ), and the middle class in the poor ( e.g., USA DOJ XXXX XXXX slap on the wrist exposing their predatory subprime lending practices of unloading high interest mortgage backed securities ) for their share of USA tax payers {$780.00} Toxic Asset Relief Program Bail out! '' With the way JP Morgan Bank handles money of the USA tax payers there a joining public consensus hot to trust them with a XXXX.
Product: Mortgage

On XX/XX/2019, we experienced an act of nature that caused damage to our home. After receiving and sending the insurance claim check to PHH for processing ; PHH has refused to issue us the funds. Due to the issues we were experiencing, we reached out to the XXXX XXXX XXXX and our congressional assistance. Once receiving letters from these two organizations, everything 'magically ' appeared in their office, waiting for us to sign and fax back in ; which we did on XX/XX/2019. I am attaching the letter that PHH sent in response to our complaint and the response letter that our daughter sent also. In the response letter and supporting documentation, it provides the numerous times we have provided the requested information to PHH. 

Since this time, none of us, including the contractor who will be doing the work for us nor our insurance claim adjuster have been able to contact any representative within the Loss Draft Correspondence to learn when our funds will be released. Therefore, we continue to be displaced with no timeframe for when we can begin making the necessary repairs to move back into our home. 

Furthermore, given the current climate in the United States, as it relates to XXXX, if individuals working for PHH Mortgage are purposing refusing to release the funds ( which should be released into the homeowner 's name ) because we, who are elderly, XXXX American seniors are hiring a XXXX owned company to complete the repairs to our home. 

Is there anything that the CFPB can do to end the predatory lending and business practices of this company?
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. Over the past couple of years, I have continually tried to get these inaccurate alleged accounts removed from my consumer report. Equifax, XXXX XXXX, and XXXX XXXX is constantly violating my federally protected rights. They continuously keep failing to provide me with TRUTHFUL PROOF on how they are validating the alleged accounts.

I AM FULLY AWARE OF MY FEDERALLY PROTECTED CONSUMER RIGHTS!!!

As shown in the attachments, I have sent numerous letters.

- PLEASE SEE ATTACHMENTS!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that Equifax, XXXX and XXXX either verify or remove all reference to debts reported by XXXX XXXX XXXX. None of these three credit reporting bureaus have been able to show me proof that I owe this collection agency any thing at all, but still report this debt as mine. I have sent each of them four individual letters between XXXX, XXXX and XXXX, XXXX demanding that they show me proof of their verification, but they have not done so and continue to report debts that are not mine.
Product: Credit reporting or other personal consumer reports

I believe FCRA XXXX means they should remove incorrect accounts from credit reports. Can you please check the documents? Some accounts on my report are wrong, and it's making me upset and sick.
Product: Credit reporting

I noticed an old hospital bill on my credit report. I contacted the agency listed as the current creditor The Law offices of Mitchell Bluhm & Associates. The creditor had reaged the debt, which they claim was the original day they purchased the debt from the original creditor. Mitchell Bluhm & Associate refuses to amend the information on my credit report, and have caused harm to my credit score. I want the company to be penalized for unfairly impacting my credit report and score.