23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The original creditor is not XXXX XXXX it is XXXX XXXX XXXX. 

Also, the open date ( XX/XX/XXXX ) that is being reported is not correct as my last payment to XXXX was XX/XX/XXXX before I voluntarily repossessed my car in XXXXXXXX XXXX XXXXXXXX. XXXX sold the debt the same year after my car was sold to XXXX  on XX/XX/XXXX. 

Also, The open account date changed ( restarted ) after I sent a debt validation request early XX/XX/XXXX. In that debt validation request was a list of other information I requested that was never provided. I was sent just the bottom part of a contract with my signature and not the complete contract.
Product: Credit card or prepaid card

On XX/XX/XXXX, I paid {$31.00} of a minimum payment of {$66.00} due on my Amazon Store card. Three days later on XX/XX/XXXX I paid the remaining {$34.00}, and was charged a late fee of {$40.00}. This penalty amounts to an annualized interest rate of 14,116 % ( not a typo, over fourteen thousand percent ). 

Amazon Store Card advises they can only waive one late fee a year.
Product: Credit card

For the last month I have tried to close a XXXX account with Capital One, each time I have requested the account be closed they just change the last XXXX numbers of the card instead of closing the account. They can't seem to understand that I do not want to do business with them
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested to have XXXX XXXX XXXX account updated on my credit report with XXXX and it was not updated in a timely manner. I initially requested update on XX/XX/2021. I sent a XXXX balance letter 3 times and no resolve. I was told that they were never notified of the pay off but XXXX updated my report the next day. Please help me because I am trying to get a car and Im spending {$40.00} a day on XXXX rides to get to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process .My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax XXXX Despite sending them the letter last XX/XX/XXXX for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX USC Sections XXXXi within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. I highly appreciate it if you REMOVE this erroneous accounts that still reporting on my account. 
XXXX XXXX XXXX ***** Opened XXXX XXXX, XXXX Balance {$11000.00} Charged off XXXX XXXXOpened XXXX. XXXX, XXXX Balance {$0.00} Late Closed
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is in violation of the FDCPA section XXXX. False or misleading representations. The credit agency did not properly investigate a previous dispute. In my last dispute regarding XXXX XXXX XXXX. They failed to properly verify the information given by the debt collector. I do not owe any debts to XXXX XXXX XXXX and any reporting of a debt owed to them has been disputed several times. Attached is a written statement from the FDIC that personal debts from XXXX XXXX were never sold to XXXX XXXX XXXX XXXX XXXX XXXX stated in a written testimony to the CFPB that this debt was sold to them in XX/XX/XXXX that could not have been possible because XXXX sold this debt to another company in XX/XX/XXXX. Also, they claim they were collecting this debt on behalf of XXXX but in XX/XX/XXXX the new owners of XXXX XXXX XXXX XXXX XXXX stated in writing they no longer which to pursue this debt and still make that claim today. Attached is a letter from XXXX XXXX XXXX XXXX stating that once they purchased XXXX they no longer wanted to go further with any more collection activities. So if the original owners of the debt did not want to pursue any further action any actions made by XXXX XXXX on the behalf of XXXX would be invalid. Also, XXXX XXXX XXXX has failed to show written notification sent to me notify me of when they purchased the debt.
Product: Credit reporting

Tried to get my free annual credit report thru Equifax. The security questions I was asked had nothing to do with me, so I was denied to see my credit report. Then, Equifax had a trial program for {$4.00}. So, I put in the same information as earlier, and what do you know, I was able to get my credit report. Equifax did the same thing last year, as well as XXXX. Well, I forgot to cancel the trial membership, and so I was charged {$19.00} for a month 's access to my credit report. This is done intentionally so people like me will pay for something, by law, is free.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 credit reporting agencies regarding a XXXX XXXX account financed through XXXX XXXX. This is not a duplicate! I have contacted XXXX XXXX on numerous occasions and have constantly been redirected by their customer service center. Below is a description of my complaint. The times purchased were from years ago and I resolved this matter with XXXX XXXX, please see notes below. I am standing on the fact that I bought used furniture and the store refused to take the furniture back. I asked the 3 credit reporting agencies to conduct an investigation into this matter as the store has not been able to assist me. 

I did receive a letter from Equifax stating this information is not reporting on my credit file, however, when I looked at my credit file again XXXX XXXX is still listed. 

In 2013, I purchased a sofa and chair from your XXXX XXXX, IL location financed through XXXX XXXX. This letter is to bring to your kind notice the inferior quality of the furniture supplied by your reputed showroom to my apartment. 
Unfortunately, the furniture I purchased was of such poor quality I eventually had to discard. The mentioned pieces of furniture started losing their shine and quality in no time. Further, the sofa collapsed a month after purchasing. I contacted the store not long after and the manager said he would settle the account and take off an additional 40 % on what was owed as he could not take the furniture back. I believe at the time it was a little over {$300.00}. However, when pulling my credit report I noticed that this account was listed as me owing over {$900.00}. I am very distressed that the information below was included in my credit profile due to its damaging effects on my good credit standing. I am asking that you please investigate this matter as soon as possible.To my knowledge this account had been paid off many years ago. 
Conditions of Furniture : -The furniture appeared to have been lived in. I found food, headbands, and other personal items in the inside. -Not in the condition guaranteed by the store -Furniture badly damaged when transported from showroom to apartment. 

I was extremely disappointed in the furniture I purchased and now this outstanding debt. I believe XXXX XXXX is selling pre-owned furniture. there is no way the pieces I bought were only in their showroom and this badly damaged.
Product: Student loan

I'm on the XXXX plan w/ Mohela and XXXX payments away from XXXX XXXX I was told that my loans were in administrative forbearance, however my account is now showing that I am past due on a payment. The payment amount does not even match my monthly payment amount I was submitting prior to the forbearance. When I called, they said I was past due on XXXX of my loans but the other XXXX were paid in advance which makes no sense as they are all XXXX part of the repayment plan/PSLF. They also said I was past due because the forbearance temporarily lifted the day before my payment was due and that autopays do not work in those situations to which I received no communication or notice on. Regardless of the autopay situation, the payment was still for a random amount. The rep did confirm I'm on XXXX however I was told I was automatically enrolled in XXXX which should also still be in forbearance. I can not get clear information on what is happening with my account.
Product: Debt collection

JCPenney master card credit card has been the stress of me first they have fought with me over saying they were not recieving my payments & this was 5-8or more times its screwed up my payment history, got lots of certified mail, calls at all hours it has been a nightmare. Ive never disliked a credit card some much & they have not even worked with me only fought with me & treating me like I was lying & got threats they I would be sued more than once. This has truly stressed me out & made it hard to sleep, charges were made on this card that werent even from me & they kept not helping so I didnt know what I could do but I just wan na fix this mess once in for all. My phone number is XXXX
Product: Debt collection

Dear Sir or Madam, I am trying to find help solving a financial issue with PayPal. 

On XX/XX/2022 my cousin XXXX XXXX attempted to pay me back for a loan of {$1400.00}. 
In order to receive the money, PayPal was asking for my Income Tax Information which I declined to provide. I don't give such information to any non governmental agencies because I have been a victim of identity theft before. 

Therefore, since I declined the transaction, I asked XXXX to cancel it and pay me the money in another way such as wire transfer to my checking account. 

PayPal is sending emails requesting that I pay them {$76.00}. 
They do not want to explain why I should pay them for a transaction that was cancelled. And I insisted, I never received the money. 

XXXX, my cousin, was told he needed to pay {$15.00} to cancel the transaction. 

I spoke with PayPal representatives at XXXX and they were only interested in collecting the {$76.00} They were not really interested in helping me. And they could not explain why I should pay for a money that I never received. 

I am kindly asking your help solving this issue. 

PayPal should cease and desist to continue sending emails asking me to pay the {$76.00} I would also like CFPB to add this letter to the PayPal 's file for poor business practices. 

Sincerely, XXXX
Product: Credit card or prepaid card

I closed my credit card account with XXXX XXXX XXXX XXXX XXXX ( through Barclays ) on XX/XX/2019. I was told to pay the balance minus the annual fee ( which was due that cycle ). I did so. But for subsequent THREE billing cycles I have been billed for the annual fee on a card I cancelled. In addition, the credit card company is charging me late fees and interest on the card. I have called the credit card company repeatedly and spoken to Barclay representatives who, each time, have apologized and indicated to me that the charge for the annual fee ( and all subsequent late charges and interest ) would be immediately removed from my account, the account closed, and a report made to the credit monitoring agencies about the mistake so that it does not impact my otherwise excellent credit score. I just received yet another bill from Barclays with a credit for {$27.00} in late fees and {$1.00} in interest charges from the past two cycles BUT with the same annual fee charge and a new interest charge for " late payment '' on the annual fee. No matter how many times I call them about having canceled the card months ago, they keep billing me for the annual fee and reporting me as late to credit monitoring agencies and charging new interest on the " outstanding payment for the annual fee '' on a card I no longer use or own. Because all of my efforts have failed, I am now contacting the Consumer Financial Protection Bureau for assistance. I am especially worried about the ongoing impact this will have on my credit rating. Please help. Thank you.
Product: Debt collection

XXXX XXXX XXXX XXXX was forfeited on XX/XX/XXXX. XX/XX/XXXX I received an alert XXXX XXXX XXXX XXXX entered a derogatory collection account due in the amount of {$340.00}. In result of Equifax dispute, XXXX XXXX XXXX back dated account to XX/XX/XXXX in the amount of {$340.00} with Original Creditor name being XXXX. XXXX XXXX XXXX XXXX is not in good standing in the State Of Maryland.
Product: Mortgage

Dear Sir / Madam, I got a home loan from CALIBER HomeLoans on XX/XX/XXXX, due to some credit problems I got an interest rate of 6.5 % on a jumbo loan. 
Soon after I got the loan, I lost my job and got another low paying job, but never got late in making a mortgage payment. 
In XX/XX/XXXX, I approached CALIBER citing job loss and requesting relief as I could foresee trouble making payments in 3 months not then. CALIBER told me to stop making payments until the loan was modified. It took them 2 months to modify the loan and now forced me to be delinquent by 30 days on my payment, thus adding additional fees and hurting my credit score. I called them multiple times to ask them in XX/XX/XXXXand XX/XX/XXXXrequesting the amount due and the due date, but I never got an answer from them and they just asked me to wait. 
They finally switched me to an INTEREST ONLY loan at 6.125 % in XX/XX/XXXX. Since then I have been paying the interest only loan on time every month. 
IN mid XX/XX/XXXX, I called up CALIBER again to see if they can help me lower my interest rate as my credit score has become really good over the last year. They asked me to refinance, but I informed them that I am recently self employed and do not have income verification, but I have always been making my mortgage payments on time. So they suggested that I default on a payment and try for loan modification. They said that there is no other way. 

I find this incidence and advice weird, they are penalizing me now for being good citizen who wants to make all the payments on time. They are penalizing me with such high interest rate when all the payments have been made on time. 

My argument is that the risk for CALIBER is higher if the payment and interest rate is higher an it would be lower if they reduced my interest rate, as it would be easier for me to pay a lower amount. I am without a job and self employed in both cases, high interest and low interest rate. So why is CALIBER wanting to gouge me when I have made payments on time. 

Look forward to hearing back from you. 
Regards, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements + under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 40. 
financial loss, and I seek appropriate redress for these violations.
Product: Student loan

I had 9 loans with XXXX XXXX that were serviced by XXXX XXXX for my XXXX  degree. I had 1 loan that was serviced by XXXX XXXX for my XXXX. The 9 loans have a first of the month due date and the 1 loan has a mid month due date. The 9 loans were transferred from XXXX to Nelnet in XX/XX/XXXX. The 1 loan was transferred to Nelnet in XX/XX/XXXX. Nelnet has now combined all 10 loans into one account with a first of the month due date. I have asked them to separate the loans back into two separate accounts so they can have separate due dates. They have refused to do this citing internal policy. I have contacted them twice to resolve this : XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Today, XX/XX/XXXX, I received an email from Citibank saying they had adjusted a payment I had set up for XXXX to XXXX. This made no sense to me so I ended up making four calls to Citi to figure out what they did. In essence they had deducted both XXXX, the amount due, AND XXXX which represented the amount which would be due for NEXT month on the charges that had just been configured yesterday. They said I had set up XXXX to be paid twice, something that would be difficult to do as the configuration page would clearly say the payment had already been set up, that there was no additional payment necessary and that I would have to physically type in the XXXX figure for payment. I did NOT make a double payment of XXXX. 

When I pointed out this and that it was the Citi computer that had made an error they disagreed and engaged in mental gymnastics to blame me. So, in essence, they had deducted the correct amount AND XXXX without any authorization, likely committing a fraud. Upon that they said they would " initiate '' a reimbursement, though it might take a few days or more. Meanwhile, they had already made an unauthorized draft from my checking of XXXX and refused to admit their error and immediately fix the situation. 

I then asked them to give me a correct billing asap so I can set up payment for the XXXX for its due date. I have no expectation they will do anything. 

I don't know if CITI did any of this knowingly but the similar response from four different employees tells me that are trained to simply lie. None of the staff I spoke with seemed properly trained, except in denial and blaming the customer for a CITI error. 

Please investigate and take appropriate action. 

XXXX XXXX XXXX XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo is violating their settlement with the CFPB, using fees, bureaucracy, and delays to avoid meeting their commitments. 

On XX/XX/21 I received a remediation check in my deceased mother 's name, sent to my address. The check was to remediate {$30.00} in excessive fees and {$4.00} interest from an account that she opened about 10 years ago, however she passed away 5 years ago. I called the bank to see if the check could be reissued in my name - the administrator of her estate. I was instead advised to attempt to deposit the check. However when I attempted to deposit the check, I was warned that it would likely be denied and that I would be assessed a fee of {$35.00} for attempting to do so - for a check in the amount of {$34.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$1800.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00}, XXXX XXXX XXXX XXXX Balance : {$6600.00}, XXXX XXXX XXXX XXXX Balance : {$5000.00}, XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} , XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. I previously sent a dispute letter addressed to the Credit Bureaus last XX/XX/XXXX and have submitted a CFPB Complaint on XX/XX/XXXX, I am submitting this CFPB Complaint as a follow up to the most recent CFPB Complaint I submitted. The XXXX, Equifax, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX AUTO XXXX Balance Owed : {$0.00} XXXX ACCT XXXX Balance Owed : {$0.00} Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX Bankruptcy XXXX
Product: Credit reporting 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 : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.