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

I have purchased some items from XXXX and XXXX, however items were not as expected and returned quickly. Chase says i will be charged interest after 45 days or so after statement. There were 2 instances. 

1. Purchased lenses for XXXX. Lense was returned 20-30 days later, the merchant however instead of 2-3 days refund promise refunded a month later. Chase charged me interest for XXXX. I contacted them by online banking text message system. The response was that someone will review the issue and contact me back, saying dont contact them again, they are too busy. 
Outcome : account closed, no response, no interest reversal. 

I asked if i should dispute the charge for credit not received, or they could manually make an adjustment. No response. 

2. Second instance was when I made few purchases from XXXX. Returned most of the items, only XXXX balance remains now. And yet again they charged me XXXX interest. 
I contacted them, got the same response, that someone will contact me, but no response. 

Basically they run interest fraud, on these " premium cards '' by offering sign up bonus, and then billing interest whatever they want hoping that no one will contact CPFB and other gov agencies to investigate them, or that they will make so much, that paying small fine will mean nothing to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note that XXXX XXXX has corrected the bankruptcy error on my credit report with them. Equifax and XXXX have given written notification that they both received the information from XXXX XXXX. I have submitted the supporting documentation I received from XXXX XXXX to both bureaus and both Equifax and XXXX refuse to review the documentation and update my reports. 

Equifax went on further to send written documentation that both the Federal Bankruptcy Court and XXXX XXXX confirmed the accuracy of the tradeline to them on XX/XX/2023. I am unsure which portion of the court was open to confirm especially since this is a legal federal holiday. State and Federal buildings are closed on this day along with banks. 

Both bureaus have stated XXXX XXXX has not reported this information to the bureaus per the 5 days they have to correct the error and we are now going on almost 120 days.

Per CFPB " Consumer reporting agencies have 5 business days after completing an investigation to notify you of the results. ''
Product: Debt collection

I am receiving derogatory remarks on my credit score and credit report from an account in collections from a company I do not owe for {$140.00}. I have not received any calls about the amount due nor was I served any paperwork from this company. Its weighing down my credit score and I would like to resolve the issue as it is effecting me negatively.
Product: Payday loan, title loan, personal loan, or advance loan

Best Egg Company doesn't allow the client to make an PRINCIPAL ONLY payment online. They required the client to call the company for principal ONLY payments. They withdrawal my monthly payment monthly without any issues but the company don't offer you the option to make principal only payments online. They do accept regular payments online but will not allocate the money to principal only. This isn't fair for the consumer. They only accept online payments that benefit them. When trying to make an extra payment online it clearly states that the extra payment will be applied to any fees, interest rate fees, etc. =This isn't fair.
Product: Credit reporting or other personal consumer reports

I've discovered inaccuracies on my credit report ( s ). I've reached out to XXXX and XXXX, and Experian regarding inaccurate reporting to no avail. 

There's a fraudulent inquiry on my XXXX report from a company listed as XXXX, I never gave permission to this company and/or any person to access my credit profile. Please delete this fraudulent inquiry. 

I have reason to believe someone living at a former address has/have access to my personal information. 

XXXX has inaccurately listed my FORMER address as my current address. 

I would like to have all former addresses deleted, XXXX XXXX XXXX XXXX XXXX, Tx XXXX and XXXX XXXX XXXX XXXX XXXX, Tx XXXX Furthermore, XXXX has repeatedly ignored demands to remove information that is inaccurate and/or fraudulent. 

I have never been associated with the following address : XXXX XXXX  XXXX XXXX  XXXX, TX XXXX My Employer is inaccurate and/or fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX All of the following phone numbers are not mine and should be deleted immediately as well : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Experian issues as follows : Name ID # XXXX Address ID # XXXX All inaccurate, and should be deleted immediately.
Product: Debt collection

Hello, I have never had an account with XXXX XXXX They have reported a collections account # XXXX to all three credit bureaus since XX/XX/2016 for a amount of XXXX. I have submitted letters to three bureaus asking them to ask XXXX to validate, meaning send me paper with my signature on it and they have yet to send anything and its still reporting negatively on all three reports. THEY HAVE NOT SENT ME OR THE BUREAUS ANYTHING but a statement saying its mine with NO SIGNATURE. I have disputed twice this year. Every time I dispute XXXX results In more and more phone calls from their " Legal team '' which I am not to sure is a real legal team. They have threatened to sue me every time. Just this past month I contacted both the bureaus and XXXX XXXX trying to get this collection agency to send me proof that they have even have a license to collect in the state of Ohio because I've researched on that the secretary of state page and even spoke with a representative and they verified that they can't find a license to collect. When I called XXXX XXXX asking the same question they transferred me to their legal time. When speaking with the legal team they wanted me to make a payment before they went any further. THIS DEBT IS NOT MINE. XXXX XXXX DOES NOT HAVE A LICENSE.
Product: Money transfer, virtual currency, or money service

PayPal decided to put a limitation on my account on XX/XX/2018. I was told after a review of some transactions, my money would be usable and I would be able to continue doing business with PayPal. I immediately complied to their requests and provided all available documentation for the transactions as recommended. I receieved no word for over a week. I called their offices to determine the status of my document processing, which I was told it had not even started yet! I did not realize a phone call had to be made to submit a form online. I was told I would have to wait an additional week to have a representative review my case. One week later. No reply. I followed up once again and was told it would be no later than 1 business day. 4 more days later, I was told I would no longer have access to my funds for 180 days. I am a XXXX XXXX and PayPal has provided no information to me as a user as to why I am not allowed to access my money or send funds to others. I am looking to resolve this by being able to withdraw the {$500.00} balance that is held in my account for up to 180 days since PayPal ( the firm ) is unwilling to extend their business with myself further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was locked out of my Equifax credit report, using there lock and alert. then when I called to get lock and alert off. Equifax said cant verify my identity, by questions they asked. and I would need to fax documents copies of ss card, birth cert.. drivers license.., and utility bill,, so I did this 3 times in 3 months. and called 4 or 5 times, and they say same thing, you will be getting a letter in mail, and I never did, and told them that. its ridiculous ... .the questions I been asked about loans and credit cards on my report I cant answer. for identity verification, so I tell them im concerned about fraud, and I need to view my report,,, 3 months later still cant view my Equifax report ...
Product: Credit card or prepaid card

XXXX XXXXSYNCHRONY BANK has a very confusing statement for providing consumer with promotional balance information. They add the deferred interest to the balance information and never show the actual remaining promotional balance. Ive never seen a statement so deceptive and Im a frequent user of deferred interest promotions. All other accounts that I have where I use deferred interest promotions are through XXXX and the information is clear and concise. 

I am a lawyer/consumer and I frankly can not read the Synchrony statement to know what I owe. 

Initially, I had to complain to them because my account was considered overdue three days after my purchase was delivered. They took my payment and dint consider it past due. 

I also note that since Ive set up automatic payment, that the automatic payment will be reduced by the amount of any other payment that I make earlier in the month. So, unless Ive set up an automatic payment large enough to meet the promotional obligation by the end of the promotional period, I have to take special action to pay them enough because if I attempt to pay extra during the month, they will credit the extra payment towards the automatic payment and reduce the automatic payment. 

This bank has predatory practices from unclear statement to payment due very near purchase.
Product: Checking or savings account

I bought a printer from XXXX and when I opened it, it was used. I went back to XXXX to request replacement, was refused then I asked for my money back and was refused too. Merchant is no cooperating. I contacted my financial institution, JPMorgan Chase to dispute charge, I explained but representative said " no '', and was hunged up. 

XX/XX/2023 {$260.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX IS VIOLATING THE LAW AND MY RIGHTS AS A CONSUMER. THEY ARE REPORTING INFORMATION THAT VIOLATES 15 USC 1681a 2 ( A ) ( i ) - THE TERM " CONSUMER REPORT '' DOES NOT INCLUDE- ANY REPORTING CONTAINING INFORMATION SOLELY AS TO " TRANSACTIONS OR EXPERIENCES '' BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT. THEY REFUSE TO UPDATE THIS INFORMATION OR DELETE IT. 
ALSO, THEY HAVE UNAUTHORIZED INQUIRIES ON MY REPORT ASWELL AND THEY TO NEED TO BE REMOVED.
Product: Money transfer, virtual currency, or money service

My Name is XXXX XXXX. I recently had my house broken into they stole my wife purse along with my mobile phone and other things. The guy XXXX  himself {$500.00} twice I contacted the bank and they refuse to help me in addition Ive been hung up on by representatives.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : TXXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC1681. XXXX XXXX  # XXXX. XXXX  XXXX # XXXX. XXXX  XXXX # XXXX. XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX # XXXX. XXXX XXXX # XXXX XXXX  XXXX # XXXX Department Of Ed/XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX/dept of education # XXXX XXXX  XXXX XXXX  # XXXX XXXX XXXX  # XXXX
Product: Debt collection

The medical bill that was owed to the original credior, XXXX XXXX Medical Center in XXXX, Ga but was on my credit report listed under the name Jason A. Craig & Associates was removed off of my XXXX credit report due to being a third party creditor. In XX/XX/XXXX, i was subpoenaed for the amount owed to the hospital which was {$1400.00} with 18 % per annum which turned out to be {$2400.00}. I answered the subpoena on XX/XX/XXXX and was told by the XXXX County, Ga Magistrate court that I would receive a court date in 5 weeks to discuss the charges. I left on military XXXX  on XX/XX/XXXX and returned onXX/XX/XXXX. When I got paid by my civilian job on XX/XX/XXXX,  I found out my wages had been garnished by Jason A. Craig & Associates for {$2600.00} while I was away on military XXXX. I called XXXX County, Ga Magistrate court where the garnishment was filed at and was told papers were submitted stating that i was summoned in XX/XX/XXXX and never responded to the summons which was not true. I was indeed summoned in XX/XX/XXXX and I did answer. When I talked to XXXX County, Ga magistrate court she told me that she never sent out a court date because a lawyer from Jason A. Craig and Associates called her and told her not to send one out because he would contact me to settle the account which he did not.
Product: Credit reporting or other personal consumer reports

My account with ATLCAPBKSELF, XXXX, XXXX XXXX was never late! I have had exceptional payment history witH XXXX 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 my 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 REPORTING 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 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, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX  XXXX  Account Number : XXXX The credit bureau reported information on my credit report that they have been unable to verify and that I have not consented to. 

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX has violated my rights. 

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 an account without my written instructions.

I requested an investigation into the account and the credit bureaus have failed to provide me with any verification of this account. I can not trust the accuracy of this reporting with several inconsistencies in the alleged information. If this account is truly accurate, the information reported across all bureaus ( including the last activity and reporting date ) would be an exact match. 

Because of these inconsistencies I specifically requested the contract, note, or any other instrument bearing my signature. I requested bank transactionsthat belong to this company that would provemy payments were not accepted on time. As part of the verification investigation, I also asked for the following items : *Pay off disclosure *Interest Rate Disclosure *Balance History *Payment History *Credit Insurance Again, the credit bureau was unable to provide any of these items or any other documentation verifying a thorough investigation was completed.

As a result of this unverifiable information, I request that the reporting of this account be removed from my credit report.
Product: Money transfer, virtual currency, or money service

Was scammed for {$420.00} today for concert tickets Money sent thru Zelle Zelle refusing to refund any money. Was not aware of policy. Due to send money in a rush. This is the first time Ive ever done something like this and its so much money I just really need some help with getting my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove the remaining items from my credit report
Product: Debt collection

Someone signed up for these services falsely. I dont recall signing up for a membership. 

I am writing in response to your letter or phone call dated XX/XX/2024 I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account.

I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate
Product: Debt collection

The collection agency Representative XXXX XXXX threatened to call my employer ( a bank ) and tell them I have a dirty mouth and do n't pay my bills. 
I had already paid the medical bill in full and was served papers that they were suing me for interest along with attorneys fees. I had initially contacted the company of my own free will in XXXX to pay the balance in full. They stated they were owed interest and would not accept my payment unless I paid them for their job. I asked for proof they had the authority to seek interest and they stated they did n't have to prove anything. The collection bureau was not only rude while I offered to pay in full but demeaning asking me questions specifically " oh yeah where did you get the money to pay us? '' and " your a XXXX that does n't pay her bills. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Consumer Loan

The company deposited checks into my bank account and the checks were fake. My bank is claiming me responsible for the fake check amounts now totaling over {$5000.00}. the company was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously I established an investigation of some accounts with erroneous information and after reviewing your response I received that some accounts are still incorrect, with a verified status. Please correct or delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX