23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I reached out to Acima requesting information on why I was being charged a NSF fee of {$25.00} after they could not run my card. I keep my card locked because I have been a victim of fraud. They attempted to run my card and the system did not allow them to process the payment. I was told that because they could not process my payment that I was charged {$25.00}. I contacted my bank XXXX who told me that they do not charge fees to the business when that business can not charge a customers card. So I am wondering why Acima can charge predatory NSF fees on payments simply because a card wouldnt process. Acima said this is the fee they charge when they can not process a card and its nothing they can do about it. In my opinion this is predatory for a company to tack on a {$25.00} NSF fee every time they attempt to run a card. Mind you, they only tack on this bogus fee for cards. There is not a {$25.00} late fee for late payments made manually. Also, they charged this {$25.00} NSF fee the same day that my payment was due. I wasnt given an opportunity to make the payment the same day and have this fee removed. They added it to my payment balance. I am sure I am not the only person theyve done this to. {$25.00} over time from customers adds up to a lot of money. Id like to make the CFPB aware that they are indeed tacking on predatory {$25.00} NSF fees on the same day a payment is due. If banks arent allowed to do it, then neither should Acima.
Product: Credit reporting or other personal consumer reports

Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States XXXX Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Debt collection

This was a past landlord I dealt with named XXXX XXXX who uses XXXX XXXX XXXX to manage their property, I had to move out because there was an emergency level bug infestation that left XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in my sleep most nights and i let them know on XX/XX/year> the exterminators didnt do anything when presented with evidence and tried to cover up the issues like bug bite evidence, evidence of the roaches found in the place, and the smell. I was constructively evicted because they refused to acknowledge the issue and the people who I had to deal with as far as notifying them about the issue refused to look at the evidence, believe me, and take responsibility even after I got doctors confirmation of the issue. Upon leaving I had a very unpleasant argument with the management company 's employee that I can leave, but I cant leave my lease. Theres nothing I can do essentially. Pay them. They reported a debt after seeing the evidence and constant notification of the issue.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year>. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXXXXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated
Product: Bank account or service

I was sent an e-mail about applying for a loan and decided to call the number because I need a personal loan at the moment to help with some medical expenses. The loan officer told me that they would need my account information to deposit the loan for me. First, they had me do this cross verification process where they would deposit money into my bank account and then have me go to XXXX to send a money gram of the amount of money they had deposited in my account. They made a total of XXXX mobile deposits into my account, and I made the XXXX transactions requested of me by the loan officer in order to obtain the loan. Today, he had asked me to do XXXX final transaction in order to receive the {$5000.00} dollar loan, however, the transaction did not go through today because I now have a negative checking account balance of {$2900.00} dollars. The bank says because I gave the loan officer my account information and made the transactions, that I am now responsible to pay the negative account balance of {$2900.00} dollars. The bank had no process to report this scam I have been tricked into. I reported the scam to www.ftc.gov and they are supposed to be investigating my report. I feel that I should not be responsible for pay XXXX XXXX XXXX XXXX the negative account balance of {$2900.00} dollars because I was not the person who made the deposits into my account. The loan officer said that someone from the his accounting department would deposit the {$5000.00} dollar loan into my account once I had completed all of the transactions requested.
Product: Credit card

I am writing to formally contest and request the immediate reopening of my fraud claim # XXXX for my account ending in XXXX in the amount of XXXX related to the charges on my account, which were recently denied. The charges in question were not authorized by me and are fraudulent. 
In their previous communication, Bank of America mentioned that the charges were confirmed using one of my " verified devices, '' such as my cell phone or tablet. While this is correct in that my cell phone was used to perform the verification for these charges, I must clarify that my cell phone was stolen prior to these fraudulent transactions taking place. At the time the charges occurred, my phone was no longer in my possession, and it is highly likely that the thief used my stolen device to authorize the fraudulent transactions. 
To substantiate this claim, I have attached a copy of the police report documenting the theft of my phone, which includes details confirming that the device was stolen on XX/XX/year>. The fraudulent charges were made after the theft, further supporting my assertion that the transactions were unauthorized and criminal in nature.
Product: Checking or savings account

XX/XX/XXXX re : Wells Fargo Merchant Busn CHECKING I believe I have been a victim of a predatory practice by Wells Fargo Bank. My branch is in XXXX XXXX, NJ. I had 6 accts with this bank. I am focusing on a business account with linked checking and savings accounts. When I opened this account, I was told the checking account required a minimum balance of {$1500.00} to avoid monthly charges. After 3 months I complained that I had received {$14.00} per month bank charges for 2 months [ XX/XX/XXXX and XX/XX/XXXX ] and was given the explanation that my account actually required a {$7500.00} minimum balance. The 2 months of charges were reversed with an agreement to change the account to one requiring a {$500.00} minimum balance. <P/>However, despite reversing the two $ XXXX/month bank charges on XX/XX/XXXX, the bank deducted an additional $ XXXX/month bank charge only 8 days later. The bank continued deducting $ XXXX/month bank  charge for the 6 additional months, for total of 7 months charges of {$98.00} - which have not been reversed. When I called my bank officer, I was told I had to come into the bank to make the change to the one requiring a {$500.00} minimum balance something I had assumed had already been done by telephone. <P/>With this explanation, I did come into the bank and was told the Wells Fargo computer program would only allow 3 of the 7 months ' charges reversed. [ Limiting the bank charge reversal to 3 months is entirely arbitrary by Wells Fargo. ] Furthermore, I have not had even the promised 3 of 7 months ' charges reversed. I have closed 2 other linked accounts and expect to close all of my accounts with this bank. <P/>I am taking my branch manager at her word. She assures me that her bank officer did tell me that I had to come in to the bank to change the account to one requiring a {$500.00} minimum balance. although I do not recall the information that I was to come into the bank to make the change - which she said I was initially given this instruction in XX/XX/XXXX. I view both the branch manager and the bank officer as sincere although I do not recall this instruction in XX/XX/XXXX. <P/>However, my complaint is with Wells Fargos corporate culture. My branch manager explained that the banks program does not allow her go back to refund the 7 months charges of {$98.00}. Although I take her at her word, I find this unacceptable. Surely, Wells Fargo would be able to go back several months if a customer owed the bank money. So why does Wells Fargos program deny the customer an analogous cure. I am, therefore, filing a complaint with the Consumer Financial Protection Bureau about Wells Fargos predatory practice not a complaint about my local branch but a complaint with the Wells Fargo corporation
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I looked at my report. I sent a letter to all bureau on XX/XX/XXXX asking them to reinvestigate these accounts : XXXX  XXXX XXXX {$2000.00}, XXXX XXXX  XXXX {$13000.00}, XXXX XXXX XXXX XXXXXXXX {$60000.00}, XXXX XXXX XXXX XXXXXXXX {$340.00} XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Experian, XXXX, XXXX really did not reinvestigation they lied on an official document saying they did something they did not do, and I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company 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.

This company 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 pu
rsuant 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

Currently, I have a XXXX XXXX XXXX but even with a " good '' XXXX XXXX I am getting deenied credit. I don't understand or agree with this. XXXX Total unpaid collection amount and XXXX Number of Unpaid Collections are Not Mine. XXXX is reporting a collection from Credit Management in the amount of {$800.00} from XXXX XXXX. I spoke to XXXX XXXX, myself, and they have no record of me what so ever. This is a company based from Louisana for cable services. I live in New Mexico and have cable services in my name with XXXX. XXXX XXXX is not on my XXXX credit report. XXXX XXXX has been removed in the past but keeps getting put back on. This is harming my score and great record.
Product: Credit card or prepaid card

I have a credit card from TD Bank.Statement issued on XX/XX/2019 of this credit card had a credit balance of {$2.00}. I called this bank & request a check for {$2.00} on XX/XX/2019.I did not receive any check from this bank till today. Although, I called several times after XX/XX/2019, but no good luck in getting my credit back from them Customer service of this bank was very bad. They do not have any respect for customer.I am very frustrated with their customer service.
Product: Mortgage

I submitted a complaint regarding our HELOC loan with Wells Fargo on XX/XX/2017 ( Complaint number XXXX ) and the issue is still outstanding. We received a letter from Wells Fargo on XX/XX/2017 stating that their goal was to respond by XXXX, but that it would take them until XX/XX/2017 to " complete their work ''. Today is XX/XX/2017 and we have not heard from Wells Fargo again regarding this issue. I want to make the CFPB aware that Wells Fargo is not keeping up with their finalization of this issue. I 'm attaching the letter that we received from Wells Fargo stating that they would complete their work by XX/XX/2017. Thank you
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. 

XXXX XXXX  account number : XXXX, XXXX  account XXXX : XXXX, XXXX  account number : XXXX, XXXX  account XXXX, XXXX  XXXX account number : XXXX, XXXX  XXXX account number : XXXX, XXXX XXXX In accordance with the fair debt collection practices act. Debt collectors are not allowed to communicate with me under the 15 usc 1692c.

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.

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: Checking or savings account

I deposited a check on XX/XX/XXXX. My accounts were frozen on XX/XX/XXXX. I was not notified. On XX/XX/XXXX I was told the check is under review. I provided them with the check issuer information even though it's on the check. They will not verify the validity of the check. It's a perfectly good check. They are asking invasive questions like what is the check for which in none of their business. And I do not have access to my money for a full week. I can't pay bills, buy food, put gas in my car or take my child to the doctor because of this. This has to be illegal. This happens every single time I deposit a check. So it's discrimination at this point. This is not random. They referred my account for closure because they could not verify the check. However, the check had the business name, the business address, and the business telephone telephone number on it. They were able to verify the validity of the check as soon as I called however, they're saying that they couldn't verify it prior to which is why they took away my access and referred my account for closure. Now my debit card does not work anymore and they have to send me a new one. I won't have online access to my money for at least XXXX to XXXX hours. That means all the money that I have is not there. I have no clue where the money is how much money there is or what they're doing with my money. It seems like this is very unethical and possibly illegal.