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

I borrowed {$700.00} from Earnin App Loan the agreement is to pay off the debt every bi weekly Friday. They withdraw money from my checking account on Wednesday instead of Friday. Three days before my pay check was deposited in my bank account and they also deduct the debit at midnight before my paycheck was deposited to my bank that caused my checking account to be negative in balance and the bank charges me over draft fees. I am willing to pay back my loan but on the day i get paid not two days prior to my pay day. It was a breach of contract with my agreement with Earnin. They had a class action law suit last year and they lost. They are still doing it again in XXXX. They violated the judgement against them. Please help me? Thank you
Product: Debt collection

I was contacted by a debt collection company at the end of XXXX and did not answer. This company, XXXX XXXX XXXX XXXX, then called my mother with legal threats against me so I called them back. They we attempting to collect a debt with regards to an old bank account that I had in my late teens ( circa XXXX ). They told me that if I didn't take action then I would have to deal with federal charges and so on. They we able to provide me with very real looking documentation with regards to the debt so I paid it. I was send a receipt for my payment and promptly moved on. 

About a month ago I received a similar phone call from another company trying to collect on the same debt and told them to leave me alone and put my on the DNC list  because I had already paid it. I then called Wells Fargo because they are the bank in which the debt was attached to and they had not record of said debt and informed me to ignore all future calls. 

Fast-forward to today, XX/XX/XXXX, at XXXX XXXX  EST I got a phone call for an 'unknown ' number and did not answer. I then received a phone call from my dad at XXXX XXXX EST that was very similar to the phone call I got from my mother last year. He told me to call them back and get as much information as I could as to why they were calling. While on the phone with them I realized that they were trying to collect the same debt that I paid last year. They were threatening me with legal action saying that I'm breaking a federal law for not paying this debt. I informed her that I had a receipt for proof that I had already paid it but it came from a different company. She asked what company and I told her I would have to look it up and asked her to wait a moment while I did. When I spoke again to let her know the name of the company she was not there. After hanging up I called my dad back and he gave me the number that she had called from. She told him that she was calling from North Carolina however the number that popped up with from New York. The number is XXXX. I did not get the name of the new company calling before they hung up on me. 

I'm starting to wonder if I ever own money in the first place and if I'm not just out {$470.00}. 

Attached are the letters and receipt that I received from the original company.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax breach. I want these items deleted from my credit report effective immediately Im attaching proof that Equifax has admitted that I was a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit report DEPT OF EDUCATIONXXXX ( XXXX ) - ( XXXX ) XXXX DEPT OF EDUCATION/XXXX ( XXXX ) - ( XXXX ) XXXX DEPT OF EDUCATION/XXXX ( XXXX ) - ( XXXX ) XXXX DEPT OF EDUCATION/XXXX ( XXXX ) - ( XXXX ) XXXX DEPT OF EDUCATION/XXXX  ( XXXX ) - ( XXXX ) XXXX DEPT OF EDUCATION/XXXX  ( XXXX ) - ( XXXX ) XXXX DEPT OF EDUCATION/XXXX  ( XXXX ) - ( XXXX ) XXXX DEPT OF EDUCATION/XXXX  ( XXXX ) - ( XXXX ) XXXX DEPT OF EDUCATION/XXXX  ( XXXX ) - ( XXXX ) XXXX DEPT OF EDUCATION/XXXX  ( XXXX ) - ( XXXX ) XXXX DEPT OF EDUCATION/XXXX  ( XXXX ) - ( XXXX ) XXXX DEPT OF EDUCATION/XXXX  ( XXXX ) - ( XXXX ) XXXX DEPT OF EDUCATION/XXXX  ( XXXX ) - ( XXXX ) XXXX DEPT OF EDUCATION/XXXXXXXX XXXX XXXX ) - ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXX  DEPT OF EDUCATION/XXXX XXXX XXXX XXXX - ( XXXX ) XXXX DEPT OF EDUCATION/XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX )
Product: Credit card or prepaid card

Refund at XXXX against Chase debit card process approved, but it was to a closed account on XX/XX/2020. Called Chase, informed me to go back to XXXX. Went back onsite to XXXX and called Chase back together and Chase unwilling to assist. XXXX referred back to their sales admin staff. Called and talked to XXXX sales admin and they again redirected back to Chase. Went to Chase onsite and still refused to help and not willing to call XXXX together to resolve. Both parties are denying and unwilling to track down the funds. Amount owe that is in one of their suspense accouint is {$420.00}. It's been almost a month and they keep on shifting blame and giving me the runaround. This is also a Reg E violation as we informed Chase and there was no record, filing, and lacked follow up.
Product: Credit reporting

I have been the victim of on going ID Theft. The suspect has been charged and arrested. I have sent Equifax proof of this numerous times and they refuse to do anything other than tell me the fraud accts have been verified as mine!!! Police report after police report has been sent in. Every time I call and try to speak to someone I end up getting someone who does not speak XXXX very well and I keep getting the run around. I please ask once more that Equifax take this matter seriously and block the fraud accounts listed!!!
Product: Checking or savings account

The Bank of America Business Advantage Fundamentals checking account offers three ways to waive the monthly fee. One of them is a having a combined balance of {$5000.00} in accounts. I have a certificate of deposit in the amount of {$4700.00} and a checking account with more than {$400.00} in it. I called Bank of America on XX/XX/XXXX to confirm that this would make me eligible for a waiver of the service fee and the agent I spoke with confirmed that it would. However, on XX/XX/XXXX, I was charged a {$16.00} service fee. I called on XX/XX/15 and the agent I spoke with said that the previous agent was incorrect and that I was charged a fee because my CD is a personal account and my checking account is a business account. If I had known this information when I called on XX/XX/XXXX, I would have taken one of the other options to waive this fee, but I did not do so because of the incorrect information I received.
Product: Debt collection

I contacted this company when I first identified that debt on my credit report on XX/XX/2019. I asked what the debt of {$2000.00} was for, as I did not owe the rental company anything, I stated that I left at the end of my lease. The agent I spoke with was very rude, stated that I needed to pay my bills. He used derogatory language when speaking with me. I again, asked what the debt was for. He finally stated that it was for a change of lock because I did not return the key to the apartment. I explained that was not correct, I did a final walk through with the leasing manage at that the time and gave her the key. I did not owe this debt. The agent stated that I would have to pay the debt and that they would not remove the debt until I did. The company began to call me, demanding payment. I again told the agent that I did not owe the debt and to please stop contacting me. The company continued to call me at times of the morning and night that are illegal.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I received a refund for the account of {$4400.00} from XXXX XXXX XXXX  through XXXX I believe, and getting an instant Venmo refused to allow my to send funds to relatives that have been helping me, with my family etc., then on today XX/XX/year>, I received a very aggressive email from a XXXX XXXX From the Venmo team, I wish I could attach it to send with this, I explained I was a single mother XXXX XXXX XXXX XXXX XXXX  and being a part, and that refund helps me maintain throughout my XXXX XXXX, she totally disregarded my needs, which was very unprofessional, I even sent in my driver 's license like asked, even tried to link a bank account to withdraw like they instructed, only to say if triggered a red flag, please can someone help me.
Product: Debt collection

On XX/XX/XXXX I called Sallie Mae to request my account go into forbearance because my parents had gotten divorced and i had to move to Florida to support my mom, which made me financially unable to pay the loan that month. The representative on the phone accepted my request for forbearance and told me that I would not have to pay anything for the month of XX/XX/XXXX and my regular payments would start back up in XX/XX/XXXX. I said that was more than fair and I even asked him to repeat it because this is the second time now someone there has said I would be going into forbearance for the mont. This is also the second tie they lied to me. Come to find out today, XX/XX/XXXX, I get a call from them saying we I'm 60 days past due, and I'm not in forbearance because they payment did not go through. Firstly I knew nothing about a payment, and second they should not wait til I'm 60 days overdue to tell me that they made a mistake on my account.
Product: Credit reporting

last XXXX i pulled my equifax credit. since then i have purchased nothing and not been late on anything. today i was denied credit because of equifax. today they are not providing my credit report and are insisting that i MAIL in photocopies of my SSCard and Utility Bills. I am in the system, something is going on with my credit and i am being treated unfairly. TIME IS OF THE ESSENCE.
Product: Student loan

Last year, I filled a request for deferment. FedLoan sat on the application for MONTHS but did not process it, resulting in late payments being recorded on my credit report. This is negatively affecting my credit score and in turn, is affecting my ability to get approved for an apartment. These late payments were at no fault to me, but due to the inability of the staff to perform their basic job functions appropriately.
Product: Debt collection

I have been working with XXXX XXXX for over a month, trying to make payment to them. 

They refuse to accept my payment IN FULL. They have ruined my credit and referred me to convergent outsourcing. 

I called convergent this morning, and they advised they do not have an account with my name, and to call XXXX. 

XXXX keeps referring me to Convergent. Convergent can not located my account. 

Please help.
Product: Checking or savings account

I opened my account around XX/XX/year> to save and it was advertised as a XXXX  We only received XXXX dollar in total I closed the account and opened a new one and they changed the terms without any notification
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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.. I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, KOHLS/CAPITAL ONE XXXX Date Opened XX/XX/2015 Balance ; {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 SEC 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 
This was violated once late payments started to get reported back XX/XX/XXXX to present XXXX XXXX 15 U.S.C 1681 SECTION 604 A. SECTION 2 : AT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITOUTH MY WRITTEN INSTRUCTIONS This was violated once late payments started to get reported back XXXX XXXX present XXXX XXXX 15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt This was broken back in XXXX XXXX present XX/XX/XXXX 15 U.S. Code 1692d - Harassment or abuse - ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
This was broken back in XX/XX/XXXX to present XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX XXXX XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting

XXXX Removed this from my Credit Report and added it back on with out my knowledge. I have dispute this and they denied my dispute. I know have this redispute. I need to see how can I get this removed. I have not received any mail or telephone calls on this. I am really in the dark on this collection.
Product: Debt collection

I contacted BestBuy credit card to try to set up a payment plan with them after being 3 months late. I let them know that due to financial difficulties I have been unable to pay, but now I would like to set up a payment plan. I told them I can only afford about {$30.00} a month for now and asked for a possible removing some of the late fees. After about XXXX minutes of numerous questions they said the best they could do was about {$85.00} a month for 6 months. I told them I am on a fixed budget since losing my business income and could not afford that payment. But I told them I would pay a payment of {$30.00} each month. Unfortunately, I gave them permission to contact me by phone. This was the beginning of the month and I told him I only get paid XXXX. So, after paying the {$30.00} payment I told him to put the info. in the computer and not to call until next month. He said he could only stop the calls for 5 days, I told him again that my finances would not change until next month. Now they have been calling every day multiple times a day, which I feel is harassment. Sometimes they call XXXX after another, although this is seldom it is very annoying. I believe they are purposefully doing it to irritate me into calling them. Can you help me in getting them to stop calling me and only contact me by mail from now on? I will contact them XXXX when making a payment or possibly trying to increase payment when I can. But, That is the only phone conversation I wish to have, when I initiate it only.
Product: Checking or savings account

From XX/XX/XXXX till today, my account has been restricted three times and then today deactivate it with money, not being accessible being held and verified processed payments, not showing an account or in statements, but there are proof of them in receipts. They have refused to release reactivate and provide any clarification of their reasoning of their actions because There is no violation I have done or preached with the terms but they have over {$1400.00} been without for me and also stopping me for providing products in merchandise to the consumers who have purchased items through the Square software and product.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request a correction of the following information that appears on my credit report. 
I am a victim of identity theft and I write to dispute certain information in my file resulting from th e ID Theft. 
I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized. 
Please carfully review and remove or correct this information at the earliest possible time. 
Enclosures -Copy of the FTC Identity Theft Affidavit -Copy of the Social Security Number -Copy of the Driver Licese -Copy of the Utility Bill
Product: Credit card

I would need your help disputing some charges on my Citi Visa card. Please investigate all charges made by XXXX XXXX XXXX and XXXX. XXXX was my first contact regarding setting up a website. After them other companies started to call me to offer online related opportunities. XXXX contacted me so I could have my online business company officially set up. There are XXXX parts to XXXX : The first XXXX sets up your company for you by getting it licensed in your state and all the paperwork needed to do so. {$1600.00} The second group works with you to get your credit established with XXXX XXXX XXXX. I received a couple of phone calls and that was it. {$1900.00} The third group was XXXX XXXX. They sent a program to fill out to track your taxes. After reviewing the program I called and told them that I did not want to use this program and I preferred to use a local CPA to do my taxes. They declined my request for my money back. {$2800.00}. 

I believe they took advantage of me. They sold me additional business that I did not need it. These companies prey on the elderly and they overcharged for services that I could 've paid a couple of hundred dollars ( price gouging ) and they did not provide the services that I was led to believe that I paid for.
Product: Bank account or service

I wanted to get foreign currency before a honeymoon trip from my bank Chase. The receipt did not provide insight into the amount -- in terms of fees and other costs -- that Chase was charging for the transaction. I requested {$350.00} USD in foreign currency. When I received the money I was surprised to realize that I was only getting about {$300.00} in the local currency. Chase pocketed approximately {$50.00} USD in fees! This was not a rush transaction, nor was there any special request. I asked why the fees they were charging were not clear. They said there was no way for them to do so. When I realized how much they were charging after the fact, I asked to cancel the transaction only to be told that I could not reverse the transaction without paying additional fees. I found this outrageous.
Product: Credit card or prepaid card

I had contacted Capital One twice. My concern was that I had paid off my balance and they had stilled charged me interest on a balance that I had paid off in full. I had talked to someone on XX/XX/XXXX. They continue to tell me that my the interest is from the balance from XX/XX/XXXX, even though I had initiated a payment for the full amount on XX/XX/. Payment was not posted until XX/XX/2018. This is the reason they are giving me that I still owed them. 
They are telling me that I had not paid the XX/XX/XXXX balance in full so therefore I owe them that interest. 
I had told them that the other credit cards I have, did not charge me interest. They claim that I got a deal or some discount I asked for. 

I did not ask for a discount or deal. I had told them they are ripping people over, and you can never pay this card off. 
The other concern is that I have been paying interest on a cash advance that I had paid back along time ago. The lady had told me that the monies I pay goes towards interest on the cash advance along with purchases. The interest is the same she tells me for the cash advances and purchases.
Product: Credit card or prepaid card

I had a Capital One credit card for several years, I closed it and was able to pay it off as indicated their Customer Service ( I have record of the call ) on XX/XX/XXXX and the payment posted on XX/XX/XXXX. That very same day I checked my balance and it was " XXXX '' ( XXXX ) ( See docs attached ) and even Capital One CANCELED my automatic payment draws since the acct balance was XXXX. Ok, 2 weeks later I received a new SNEAKY charge from Cap. One for XXXX on XX/XX/XXXX. I CALLED AGAIN and spoke to a lady with the name of XXXX Id : XXXX and told me that THERE IS NOTHING SHE CAN DO ON THAT SNEAKY CHARGE. This is a NIGHTMARE AND A SCAM IN THIS NEVERENDING HORROR STORY written by Capital One and their associates against customers like me ( A minority group ) PLEASE HELP.
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. They informed me CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( XXXX ) require rectification : XXXX XXXX XXXX XXXX XX/XX/2020 {$220.00} Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within XXXX  days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past XXXX months of any corrections made. Thank you for your attention and assistance in resolving this matter. DELETE this account off my Chex Systems
Product: Debt collection

These following account below said to be a collection account that was sold to XXXX/XXXX  with the same account number showing on my report. This collection accounts were both reporting on my report which leads to multiple appearances and a grave impact on my Credit scores and credentials. These particular collection accounts should not be shown as XXXX different collections since they're definitely the same. Moreover, I have made my payment to the original creditor. These should have been removed if a proper investigation was conducted. If you still insist that I am still liable, make sure to provide me definite and legal proof for me to confirm. 
XXXX/XXXX  XXXX Balance : {$1000.00} AD ASTRA REC ( Original Creditor : XXXX  XXXX XXXX ) XXXX {$1000.00}