23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

At the cash register at XXXX XXXX in XXXX XXXX, CA in XX/XX/XXXX, I was offered a discount on my purchases of {$140.00} if I would apply for a credit card. I agreed. I was told my new credit card and invoice for my purchases would be sent to me shortly. I anticipated them for about three months but they never arrived. Then I forgot about the matter. In XX/XX/XXXX I received a letter and an invoice from XXXX XXXX XXXX , XXXX for {$340.00}. The letter said XXXX XXXX/XXXX  sold them my account. I called the phone number given and was told the amount of {$190.00} was interest that accumulated for all the months I didn't pay the {$140.00} bringing my total debt amount to {$340.00}. I offered to pay only the original amount of {$140.00} because I do owe it IF, in writing, they would agreed to that amount and give me a guarantee that they would not ding me on XXXX. Over the course of a week I spoke with three different people all of whom refused my offer insisting I pay {$340.00}. The last one said he would reduce the interest amount but would not accept my offer as I stated it.
Product: Credit reporting, credit repair services, or other personal consumer reports

OPENED XX/XX/XXXX  {$1200.00} Collection agency ( XXXX ) I've reached out to the companies TransUnion, XXXX, and XXXX XXXX XXXX. I've also reached out to XXXX XXXX XXXX regarding the misunderstanding of this account. I've never had XXXX XXXX XXXX. Also I reached out to Transunion, XXXX and XXXX stating that It is illegal to sell an account to a collection agency but they still Went forth what the XXXX selling the account to the agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone opened a new credit card ( XXXX ) in my name on XXXX XXXX. I think this is a result of the Equifax data breach as they acknowledged my data was included in the breach. Equifax has free credit monitoring for 12 months but their system is never available to sign-up. This is very time consuming for me to fix issues like this and I want Equifax to be responsible for such a horrendous lack of security. Every time I click on the link offering one year free credit monitoring from Equifax, I get the message that the system is not available. I have tried many times for last 3 days and always get the same message that the system is not available.
Product: Checking or savings account

On XX/XX/XXXX the banking account took banking fee amount of the acct of $ XXXX ( bank services fee )  then charged over draft fee of {$34.00}. I noticed as well that some days take $ XXXX on XXXX then XXXX of each month when its convenient for Citi Bank to profit of the fees. They charged 3times th amount of $ XXXX fee on XX/XX/XXXX - of {$34.00} - I have been with Citibank for 7years. I have noticed the accounts recently in XX/XX/XXXXstarted having problems occurring with services -- -- I not the only individual who seem to not understand why so many stipulation on such accounts. I have 2 checking accounts and savings just recently reduced package to different package to save monies of the banking fees that did not work either -- - I have been with Citi bank for 7 years never had a over draft -- -- spoke with representative XX/XX/XXXX at XXXX ( ID # ) XXXX he did not resolve anything -- - or offer a waiver -- -- the question of these proceedings of bank fees causing a overdraft of 3times the amount does not seem reasonable and as a customer for 7 years is absolutely ridiculous -- there needs to be an investigation in their practices of accounts -- -- - and those stipulation in which Citi Bank is altering their own policies. This not the first time of misleading information -- -- or miscalculated incidences regarding fees -- -- - the policies does not add up -- --
Product: Payday loan, title loan, or personal loan

I applied for a Balance Assist loan with Bank of America and I was denied. The reason for the denial was " one or more of your accounts has been included in a bankruptcy or we've received notification of your intent to file bankruptcy. '' I have never had an account with Bank of America discharged in a bankruptcy. In fact I've been a loyal customer with Bank of America since 2015. My daughter had a credit card with Bank of America that I was an authorized user on and she filed bankrutpcy. I should not be held liable for that. I do not have an intent to file bankruptcy so there is no way the company received this information about me.
Product: Credit reporting

I have a few issues with the investigation that Experian did. I sent them a letter stating some errors I saw on my credit report and their response was completely unacceptable. All the responses say are " Remains '' which Experian pointed out means that no changes were made. " Processed '' which means that they are n't even done with the investigation! and " Updated '' and according to the letter I wrote them, there is no new or relevant information on the accounts making their statement a blatant lie! Not only did I point out the errors but I made it clear that I was not disputing that the accounts were mine, only the missing information, and issues with the payment history. I do n't think that Experian read my complaint at all! I ca n't believe that they would send me such a horrible response, I am genuinely concerned about my credit report and what is being reported on it and it is Experian responsibility to make sure it is correct. I am demanding these be fixed and my complaint to be read by a real life, breathing, thinking human being so that my voice is heard.
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 15 USC 1681. 

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 : XXXXXXXX XXXX XXXX XXXXXXXX : 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 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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : ( XXXX XXXX ), Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( SSA-3288 ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that XXXX, XXXX, equifax ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, XXXX, transition, equifax failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. XXXX, XXXX, and Equifax is in violation of several federal laws including responsibility they have to protect my privacy. XXXX giving XXXX the opportunity to make this matter right by way of the following REMOVE LATE PAYMENTS : XXXX XXXX XXXX Account number XXXX, REMOVE INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PERSONAL INFORMATION
Product: Debt collection

Portfolio Recovery has tried to collect this debt by contacting me and my employer to collect this debt. I am unaware of what this debt they are trying to collect is. They have yet to provide me with the proper documentation to link me to this debt. No signatures from the original contract, no identifying information and has yet to respond in a timely matter for its investigation.
Product: Student loan

I've been in daily contact with Navient, XXXX XXXX, and XXXX XXXX since this past Thursday, trying to find my students loans. I've submitted a request for a hearing with XXXX XXXX with no response yet. I enrolled in a rehab program with XXXX XXXX and made my first payment to them 5days early only to be pulled from the program and told my loan was " recalled '' back to Navient. Navient says they do not service my loans. I'm in a never ending vicious circle and don't know what to do or who to attempt to repay. Until 2 years ago I was a single mother of XXXX with a job that was not paying well. I was able to eventually find a better job ( not even in my field of study ) with no help from my now useless XXXX XXXX degree. My wages are in garnishment and I currently receive XXXX dollar paychecks although I gross about 1000 biweekly. Between 200 and 300 are garnished for educational loans, I pay XXXX towards health insurance the government says I have to have, as well as XXXX for auto insurance the law says I have to have. I'm left broke by my choice of XXXX XXXX and clueless as to where to find my loans that I'm told are over {$28000.00}. I now spend my time calling loan servicers which send me in circles and are not forthcoming of the amount of debt they tell me I owe nor do so receive any statements of how the amount of debt came to be. The worst decision of my life was attending XXXX XXXX, it has ruined my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 disputed inaccurate items with Experian, 30 days later no resolution. XX/XX/22 disputed inaccurate items, 30 days later no resolution.XXXX disputed inaccurate items, 30 days later no resolution. XX/XX/22 disputed inaccurate items, 30 days later no resolution.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX BANK XXXX XXXX
Product: Debt collection

West lake financial services reporting account that is not mine on my credit report, trying to collect {$10000.00} from me, account has been opened since XXXX XXXX Account is not mine, never had an account with westlake financial services
Product: Credit card or prepaid card

In XXXX I was charged a late fee of XXXX I made my payment for the month of XXXX on the the XXXX. I was not aware of a end of billing cycle date I thought it would be the due date. 
View payment details. XXXX XXXX XXXX Submitted XXXX  checki {$100.00} I called in and was told the billing cycle started on the XXXX. so the payment did not post to the correct month but the operator told me her supervisor was tied up and she could take care of this for me. I then told her i made the payment for februray on that date which was the XXXX. my pay by dates were the XXXX so I had thought previous to this that was the end of the billing cycle. She said no problem I told her I also needed to make sure the payment I made at that date wewnt towards my XXXX payment to make sure it did not happen again the next month. She said it was no problem. 
View payment details. XXXX XXXX XXXX Submitted XXXX  checki {$100.00} Now this month I have another late fee I called in and told them what had happened they said no You never made a payment for XXXX so you get a late fee. I told the women on the phone I dont think you understand she was trying to argue the fact. I made another payment this one being a XXXX  payment for XXXX and a payment for XXXX. along with the late fee again. XXXX XXXX XXXX Submitted XXXX checki {$220.00} And I wrote them a message which they responded I did not make a payment in XXXX so I am being charged a late fee.
Product: Mortgage

URGENT!!! YOUR BILLING IS WRONG!!! 

Despite my prior complaints, correspondence and your responses and despite having a reasonable amountof time to research the matter, you ( Wells Fargo, N.A. ) continue to carry forwarda principal balance that is at least {$20000.00} more than the actual amount owed. As a result, you are continuing to calculate interest due based upon incorrect balance and billing for the wrong principal and the wrong interest. 

This is a violationof the FDCPA, entitling me to statutory or consequential damages. You have violated that statute 15 U.S.C. 1692 et seq. and are continuing to violate the statute by continuingto bill in error on this account. There are at least 8 such violations that have occurred thus far entitling me to receive {$8000.00} in statutorydamages regardless of whetheror not I have sustainedactual damages, for which demand is made herewith. 

I further demand that you correct your billing immediately or I will demand further statutorydamages ( {$1000.00} per occurrence ) for further violations, and that you correct any negative credit reporting you have issued as a result of your error. 

Defendants maintain that plaintiff lacks standing to pursue this claim because it is undisputed that plaintiff never paidanyattorneys ' fees to either UC S or NAN, as the underlying lawsuit initiated by UC S was settled with different counsel. Accordingly, defendants argue that plaintiff did not suffer any identifiable injury.TheFDCPAprovides for liability for attempting to collect an unlawful debt, however, and permits the recovery of statutorydamagesup to {$1000.00} in the absence of actualdamages. Thus, courts have held that actualdamagesare not required for standing under theFDCPA.See, e.g., Keele v. Wexler,149 F.3d 589, 594 ( 7th Cir. 1998 ) ( " [ T ] he plaintiff who admittedly owes a legitimate debt has standing to sue if the Act is violated by an unprincipled debt collector. " ) ; Baker v. G.C. Servs. Corp.,677 F.2d 775, 777 ( 9th Cir. 1982 ) ( same ) ; cf. Gambardella v. G. Fox Co.,716 F.2d 104, 108n. 4 ( 2d Cir. 1983 ) ( noting that " [ i ] t is well settled... that proof of actual deception ordamagesis unnecessary to a recovery of statutorydamages '' under the Truth in Lending Act ). Accordingly, we join those courts and hold thatthe fact that plaintiff did not ever pay any attorneys ' fees to NAN does not necessarily suggest that he was not injured for purposes of hisFDCPAclaim, if he can show that UC Sattemptedto collect money in violation of theFDCPA. ( e.s. ) Miller v. Wolpoff Abramson, L.L.P., 321 F.3d 292, 307 ( 2d Cir. 2003 ) Attached are exhibits showing that the amount demanded by you do not take into account a reduction in the debt. 

Also attached : -your latest bill to us spurring this complaint -my last letter with unanswered questions and concerns regarding your XX/XX/2019 letter. 
-your XX/XX/2019 letter
Product: Credit card or prepaid card

I was overcharged {$17.00} at a restaurant ( XXXX XXXX ) on XX/XX/2021 for a total of {$77.00}, the merchant refused to help me at the moment and pressured me into paying. I did not sign the receipt and put 'under duress ' on the receipt. 

I submitted a claim on XX/XX/2021 with BOA, that claim was denied recent for being in person and not proving I was overcharged. 

How can i prove that i was overcharged if the merchant did not want to help me? They would not give me a correct receipt and would not help me in person.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my phone could not make any calls. I use another phone to call XXXX and found out my phone number was ported out by somebody in New York who stole my phone number and identity. I contacted XX/XX/XXXX and had a fraud alert placed on my account. I then also purchased an identity-theft product from XX/XX/XXXX and paid for it for the next three months before canceling it. XX/XX/XXXX confirmed that no new accounts were opened up when I initially spoke with them to report the fraud and they led me to believe that no new accounts could be opened since I had the fraud alerts and their identity theft product purchased on my account. I was absolutely shocked to find out that in XXXX, when my identity was stolen ( which was AFTER I had the fraud alert placed and purchased the fraud product ), that a new account was created fraudulently in my name and that over {$7000.00} was charged. I did not believe this was possible since I had a fraud alert on my credit and the fraud protection service. I just found out about the fraudulent Goldman Sachs Apple Card even though it was opened in my name last XXXX. I found out about this fraudulent Apple Card account about two weeks ago when my credit was run because I am trying to purchase a home. As a result of this fraud on my account, my credit score has been ruined, which will cost me thousands of dollars extra when purchasing a home. I was told by Goldman Sachs Apple Card that the account was closed and charged off before I even found out about it. I also was informed that the reason why it took me so long to find out about it is because Apple Card does not send out any paper notices to their customers. 
I contacted Goldman Sachs Apple Card right after I found out about the fraudulent account created in my name. This phone call took place on Saturday, XX/XX/2020. I spoke with XXXX, the supervisor of the Fraud Department, who stated that he would escalate my case and try to get it resolved as quickly as possible. I was told to file a police report and an Identity Theft Report with the Federal trade Commission. I was unable to file a police report because the crime did not occur in in my city. I did file an Identity Theft report and I sent it to Goldman Sachs Apple card. I was told that it would take Goldman Sachs Apple Card a maximum of 14 days to resolve the fraud. I absolutely need this deleted off of all 3 credit bureau 's reports ASAP, otherwise I will have to spend several XXXX dollars more than I should have to in order to purchase a new home.
Product: Credit reporting or other personal consumer reports

There are several companies that have inquiries that were not made by me and I asked them to remove them. I didnt listen because of the amount of inquiries would take a while to type out.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX I AM FILING THIS CFPB COMPLAINT TO REQUEST PURSUIT FCRA 605B ( 15 U.S. Code 1681c2 ) THAT YOU THE EXPERIAN REPORTING AGENCY BLOCK INFORMATION ON MY CREDIT REPORT THAT IS AN RESULT IN IDENTITY THEFT AND FRAUD WITHIN 4 DAYS OF YOU RECEIVING THIS COMPLAINT. I HAVE SEVERAL ACCOUNTS ON MY REPORT SUCH AS AUTO LOAN XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX, THSES ACCOUNTS HAVE ADDED FRAUD ACCOUNTS AND ALSO INQUIRIES SHOWING ON MY CONSUMER FICO CREDIT REPORT.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for a new XXXX XXXX personal card. I was approved. Later that month customer specialist XXXX XXXX blocked my card citing " verification purposes ''. 

Since XX/XX/XXXX XXXX XXXX asked for multiple pieces of information from me -- social security card, driver license, business license. All information was sent as requested. The account wasn't reopened and was closed on XX/XX/XXXX citing " violation of cardholder agreement '' however, there was no violation. 

I submitted a complain via CFPB about improper actions by XXXX XXXX requesting account to be reopened. The response was that I needed additional piece of information ( my social security card ) which I faxed again. The account wasn't reopened and customer representative couldn't cite the reason for it. The answer is same " unverified information '' however the bank can't say what information is needed. 

The bank refuses to honor cardholder agreement and refuses to explain their actions.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. Kindly investigate my claim in accordance with the Fair Credit Reporting Act.I request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On Sunday XX/XX/2021, somebody signed into my online Chime Bank account. I am not sure if they signed in through a mobile device, or a computer. I received an email saying Chime had added another bank account 'Simple ', which I did not recognize. So I tried to sign into my account through my phone. Strangely, I was prompted to input my login information, even though I had previously saved my login information. 

I looked at my activity, and saw that the hacker transferred {$11000.00} from my savings directly to my checking ( both accounts in Chime ), and proceeded to transfer {$2000.00} to a XXXX XXXX then almost immediately after {$9000.00} to the Simple bank account. 

This was all very strange, because I am always notified when a new device signs into Chime via email. However upon looking at my email history, I did not see any notification emails regarding a new device signing in. All new device sign in notification emails came from my devices. 

I contacted Chime immediately. They said they would open a case, but could not immediately refund my money. I would greatly appreciate if you could look into this matter, and get me my {$11000.00} back as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$490.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence XXXX. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$330.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report