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

This is exactly what happened : So I opened up my PayPal credit account on XX/XX/21 to make a purchase with XXXX XXXX  XXXX XXXX of {$2500.00}. XXXX XXXX  XXXX XXXX canceled my order and said they would be refunding me. I called PayPal to ask when I might see the refund reflected on my account. Instead of simply answering my question, they opened a dispute. On XX/XX/21 I received a refund of {$2500.00} from the merchant. On XX/XX/21 I received a {$2500.00} credit from PayPal since they wrongly opened that dispute. I called them back and said that the dispute needed to be reserved as I never asked for a dispute and the merchant has refunded me. So on XX/XX/21 PayPal charged my account {$2500.00} to reverse the dispute. At this point the problem was completely resolved. My account reflected an accurate balance. However on XX/XX/21 PayPal charged me a second time for {$2500.00}, causing my account balance to be very high and inaccurate. I should have only been charged once to fix the dispute error. The second charge was made in error. Ive been trying to get my money back for over a month! I should be able to get it back as quickly as they wrongly stole it from me. This is reflecting a high balance on my credit report and is negatively impacting my credit score weekly!!
Product: Credit card or prepaid card

The XXXX BankReliaCard was closed on XX/XX/XXXX. I never used this card because I did not request it. When I completed my initial unemployment application, I requested direct deposit. 5 weeks of unemployment insurance money totaling {$1800.00} was sent to this card. I have been calling US BankReliacard at XXXX, since XX/XX/XXXX, to return the money to Delaware State Department of Labor so they can direct deposit the money into my checking account. I have been getting the run around by both companies and today XX/XX/XXXX, when I called two managers ( XXXX XXXX XXXX ) hung up on me. It has been more than 90 days. I need this resolved immediately. The Department of Labor when I went to their office after emailing them for months & no response to my emails only confirmed the amounts and when the money was sent each week to the card. I am frustrated that no one is doing their job.
Product: Credit card or prepaid card

American Express closed all my accounts. I called the executive office and was told I was rude to one of their agents. Really? Rude to an agent. I was not, maybe my authorized user XXXX XXXX was rude to an agent when he called but I was not. I tried to apply for a new card with AMEX but was told by their underwriting team I had been placed on their blacklist. This is highly illegal. Ive attached the laws for everyone concerned. I was even told by AMEX executive office that any new applications would automatically decline because I was on this illegal list. The executive office told me they could close an account for any reason even if it broke federal or state because their credit application is above federal and state laws. I spoke with an attorney ( for advice ) that said this was not true. Amex would need to pull a credit bureau and process the credit application like any other bank or face sanctions and lawsuits. I want my Amex XXXX card reopened immediately or if thats not possible I would like to reapply and be taken off this blacklist.
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 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.

Experian 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 or other personal consumer reports

TO WHOM IT MAY CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 UNDER A SECTION 2, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER15 USC 1666B,. A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( S ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT. THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX Account number XXXX XXXXXXXX Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX U S DEPT OF EDXXXX Account number : XXXX Date opened : XXXX XXXX, XXXX U S DEPT OF EDXXXX Account number : XXXX Date opened : XX/XX/XXXX U S DEPT OF EDXXXX  Account number : XXXX Date opened : XX/XX/XXXX U S DEPT OF EDXXXX Account number : XXXX Date opened : XX/XX/XXXX U S DEPT OF EDXXXX Account number : XXXX Date opened : XX/XX/XXXXXXXX U S DEPT OF EDXXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXXnquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Reported date XXXX XX/XX/XXXX XXXX Reported date : XX/XX/XXXX XXXX Reported date : XX/XX/XXXX XXXX Reported date : XX/XX/XXXX XXXX Reported date : XX/XX/XXXX XXXX Reported date : XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXXXXXX Reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN, YOU WRITTEN OR UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802 -6805. DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN PRODUCING COMPLAINTS FILED AND POSSIBLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.
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 right to privacy and confidentiality under 15 USC 1681. Account # XX/XX/XXXXXXXX # XXXX {$490.00} Account # XXXX XXXX # XXXX XXXX Account # XX/XX/XXXX # XXXX {$1500.00} Account # XX/XX/XXXX # XXXX {$0.00} Account # XX/XX/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 record of convictions of crimes which attedates the report by more than seven years. 15 U.S.C 1681s ( 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: Mortgage

I mailed XXXX payment on XX/XX/XXXX, due XX/XX/XXXX. I noticed all other checks mailed that day cleared my checking account except for mortgage payment. I called BSI Financial Services on XXXX at XXXX P.M. XXXX to find out if they had received payment and it was in processing yet. I was told payment had not been received and that I needed to make payment over phone to ensure it would not be late and have fees applied. That evening I did make a phone payment for the amount due of {$1000.00} plus {$500.00} principal. A couple of days later I checked to see if phone payment went through and noticed that the check that I wrote on XXXX cleared my bank on XXXX, the same day I called to see if they had received it and was told no. I do not believe it is possible to have received my check, process, submit for payment, and clear my bank on the same day after I called at XXXX P.M. XXXX. The phone payment cleared 2 days later and did not include the extra principal payment that I authorized over the phone, incorrect amount. It was clear from bank records that check cleared first. I believe I was INTENTIONALLY lied to in order to induce a second payment in an attempt to SLANDER my credit. I called BSI several times in an attempt to understand but not given any real answers. I asked to speak to a supervisor on several of these calls and was transferred to answering machine with messages never replied to. I am filing this complaint because these calls have been ignored and I feel there is no other recourse. BSI Financial does not seem to be a reputable mortgage servicer. 
P.S. BSI Financial recently purchased my loan from my previous servicer, about 3 months, and I am always on time with extra principal payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft someone got my XXXX XXXX card and my XXXX card and used it, which I contact the company right away and they closed the card and they still trying to make me pay for something i didnt use
Product: Credit reporting, credit repair services, or other personal consumer reports

For whom this concern, I have been really XXXX XXXX XXXX XXXX to learn about my rights as a consumer has been violated. I have learned if there are things missing from my periodic statement such as my finance charge etc, and not delivered to me 21 days before the payment due date pursuant to Fair Credit Reporting Act 15 USC 1637 ( b ) on open-ended consumer plans aka my credit cards, there should be no late payment reported on my account however I have several of these accounts which falsely put negative late payment information on my account. I am pretty sure this is a violation of 15 USC 1666b ( a ). I mean it's right there in the law on the XXXX site. It's public information. Also, I have never opted into this reporting pursuant to Gramm Leach Bliley Act 15 USC 6802 ( b ) ( 1 ) ( A ) and this is an invasion of my privacy according to FCRA 15 USC 1681 ( a ) ( 4 ). This has stopped a lot of funding for me as I am a real estate investor and the fact I learned I have been ripped the XXXX off has been unbelievable. Can someone PLEASE correct this! I included my scanned dispute letters which I notarized as well in case I have to take legal action. I sent to the bureaus already. I still haven't received a response. Thank you for your help.
Product: Checking or savings account

On Friday, XX/XX/ 2019 I transferred {$130.00} from my XXXX account to my Suntrust account. The money has subsequently been stolen by Suntrust ( they do not recognize the transfer despite XXXX saying the transaction was completed and my funds being missing ).
Product: Checking or savings account

I called Wells Fargo on XXXX, XX/XX/2021, at XXXX XXXX. Around XXXX XXXX PST, a manager/supervisor answered the phone. He indicated his name was XXXX. I asked XXXX which country he was located. He refused to answer my question and deliberately disconnected the call. This was unprofessional and his egregious conduct reflects poorly upon Wells Fargo. I have never had a supervisor from any company disconnect the call on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry that is supposed to fall off XX/XX/2020 and it hasn't. info on XX/XX/XXXXcredit bureau states it will push to XX/XX/2020. No acceptable. Two years is two years. it needs to come off immediately.
Product: Consumer Loan

I financed a car from Regional Acceptance Corp. a few years ago. I fell into a financial bind and could no longer afford the car. They called me XXXX evening and told me they were going to repossess the car. I gave them my permission to take the car. They said that they would sell the car. Well, as it turns out, they did sell the car and now they want {$9000.00}. from me because they did n't get the price they wanted. They 've sent me several letters asking for the money. They even sent a certified letter. The car is not worth that much and I want to be left alone. I refuse to pay for a car I no longer own. They said that they got over {$6000.00}. for the car. Well, take that and be satisfied. I will not give them any more money.
Product: Checking or savings account

I opened Checking & Savings accounts at Chase per invitation and coupon code # : XXXX XXXX XXXX XXXX Per terms Chase offered {$900.00} bonus : {$300.00} Checking for direct deposit performance - Chase has paid this amount to me.

{$200.00} Savings for depositing {$15000.00} for 90 days- Has not been paid as of XX/XX/XXXX Extra  {$400.00} - for opening both accounts and performing required actions. 

My Savings account had > {$15000.00} on deposit for the last 90 days. My Checking Account had {$800.00} at one point, but I let it dwindle down to {$0.00} for XXXX days days. On XX/XX/XXXX I sent via ACH transfer {$50.00} to Chase Checking from XXXX  XXXX XXXX. On XX/XX/XXXX, Chase closed my checking account for having a XXXX dollar balance, despite XXXX  XXXX XXXX confirming the XXXX had been completed. Chase still has my {$50.00} as of XX/XX/XXXX. 

Chase closed my checking account on the exact day ( XX/XX/XXXX ) that I earned the {$600.00} in outstanding bonus payments ( {$200.00} Savings + {$400.00} Extra bonus ). This feel predatory to me and I seek resolution. 

I spoke to a Chase representative today XX/XX/XXXX, and also asked to speak to a Supervisor who documented the situation but claimed not to be a decision maker. 

I did not want my Saving account closed. I do want to be paid the {$600.00} in outstanding bonuses which were earned prior to the account closure. They represent earned interest on the {$15000.00} I have had on deposit at Chase plus remuneration for performing to the terms of the Chase bonus offer coupon code. Chase indicated that they closed my checking account because it had a XXXX balance for 60 days. As stated I had ACH  transferred {$50.00} on XX/XX/XXXX from XXXX  XXXX XXXX which i can prove with transaction codes from that bank which I offered to the Chase supervisor today. 

I have PDF of the offer terms and have performed all direct deposit and savings deposit requirements per the coupon code.
Product: Payday loan, title loan, personal loan, or advance loan

DailyPay does not stand by there name. Daily pay does not properly update clients hours in a timely manner. Causing one to not be able to survive if they have unforeseen circumstances. The company is a fraud, there fees are enormous. Daily pay uses the fees from transactions they charge clients as well as they fees they charge the employers to make there money. Its all a money scheme with them and I think they should be held accountable for there mistakes and not be allowed to use the name DAILYPAY because its a FALSE AND MISLEADING COMPANY NAME.
Product: Consumer Loan

I got a loan with americash loans in XXXX XXXX illinois for {$1000.00} it was slow at work and I was unable to pay on time so they began to garnish my wages I sent in a written request to cancel the wage assignment. An employee at the store called my employer and proceeded to tell them that I had not made any payments on my account and that I could not by law cancel the wage assignment which is what my employer said to me. They then proceeded to deduct {$1200.00} from my wages until I finally went and filed a chapter XXXX bankruptcy. The bankruptcy was dismissed and now I find out that this company is suing me for {$1600.00} not only is this ridiculous but I later found out that it is not illegal to stop a wage assignment so this company just forcefully took the {$1200.00} they got from me already.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account was reinserted on my credit report that was removed in XX/XX/year>. 

Below I attached email from American fin about the debt that was reinserted starting they did determine fraud.
Product: Debt collection

I did n't give permission for this car to be put in my name. I was taken advantage of while having XXXX and being out of my mind on medications and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$940.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$970.00}
Product: Checking or savings account

On or about XXXX of 2023, I had a {$20000.00} check deposited into my account. The funds were frozen by Suntrust, Truist Bank. Heretofore, the funds have not been returned.
Product: Mortgage

I have been working with Mortgage solutions of Colorado since my original submission from XXXX & XXXX of this year to resolve in loss mitigation options. Unfortunately, I feel neglected during this process as I feel as my responses and compliance with all requests are not being taken into consideration.
I am being requested to re-date certain applications, where they have failed to review in a timely manner. Why is it that I am in fault for documents that have been outdated due to their negligence?
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote XXXX, XXXX and Equifax in XX/XX/XXXX and XX/XX/XXXX about an account that has been on my credit report from XX/XX/XXXX for an amount of {$1700.00}, this account has an account status as closed and it is now 21 years since this account has been there and I was not aware of this account until recently when I tried to get my credit report and it was pointed out to me.
Product: Consumer Loan

I applied for a installment loan through spring leaf financial website. I received XXXX phone calls after I completed the application which I was unable to answer as I was at work. I called the next morning, and after an hour on the phone I had to get off and go to work and nothing was resolved it took that long to find my application which had me concerned. I called back on my lunch break and spoke to a representative that stated she would assist me in finishing my application. I went through all the questions, income, finances, assets etc, she then transferred me to XXXX to complete the application. He completed the application and said that he would be emailing me documents and I need to send in my check stub and my XXXX to verify my stated income which I though was odd as I am only applying for XXXX and I already had a previous loan with them on XXXX which I paid off. I explained this to XXXX to which he stated they still need the information and will have an answer once I submit these documents as to if my loan is approved or not. I though this was odd because when I submitted the application at the end on their website it said I was approved for a {$2000.00}. XXXX assured me he was emailing me the documents and to send them in asap. I still have not received the email and I am unable to reach spring leaf
Product: Credit reporting, credit repair services, or other personal consumer reports

Confirmation : XXXX XX/XX/2021 fraudulent inquiries were disputed and deleted. 

Confirmation : XXXX XX/XX/2021 the same fraudulent inquiries were disputed and deleted. 

Confirmation : XXXX XX/XX/2021 the same fraudulent inquiries were disputed and deleted. 

Confirmation : XXXX XX/XX/2021 the same fraudulent inquiries were disputed and deleted. 

I informed the creditors via a letter sent by mail. I also informed the credit bureau Equifax via fax which included my ID, SSN Card and FTC Report. The bureau claim to of deleted the inquiries but XXXX XXXX and XXXX continues to report on my credit report and has never been deleted. I have kept a close supervision of my report daily and am subscribed to Equifax daily updating on my credit report services. This is a violation of the FCRA laws and if this is not resolved immediately I will be filing a claim in small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to all credit agencies and have contacted XXXX XXXX multiple times, but XXXX XXXX is submitting my student loan with them as a revolving credit account to credit agencies instead of as an installment loan. The credit agencies are not accepting my dispute. By saying that I am using {$40000.00} of revolving credit, XXXX XXXX is harming my credit score greatly. Instead, they should be reporting this loan as an installment loan to the credit agencies with the other information that the loan is not due for a first payment until six months after my graduation.