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

Recently purchased a mattress and were told they had a 3 year 0 % interest payment plan due to the price of the mattress if using the store credit card. Along with the store personnel we calculated what the monthly cost would be over that time period and were told it should be around $ XXXX/month. Never were we told that the payment is based on a percentage of the balance. Received first months statement and the payment was {$130.00}. We attempted to revise this with XXXX XXXX which is the credit card provider for XXXX and they replied back that they were not willing to change the payment amount and that it is 5 % of the balance and each month the payment will be a little less due to the outstanding balance going down. If you calculate this out over the 3 years there would still be an outstanding balance left at the end which would mean that anyone who thought they would pay it off by the end would either have a much larger payment to attempt to make at the end to not incur the fees or if they were unable to do so all interest that was accrued would be charged to the account. We spoke to XXXX customer service and they said since XXXX took over their credit card processing they have had numerous complaints about this company by customers for a variety of reasons. We now are stuck attempting to make a payment that was double what we were expecting and if we were to return the merchandise they removed our old mattress and we would be left with nothing. XXXX  is very deceitful in their practices and whatever promotions that are being presented to customers should make sure that the people that offer these promotions understand how the terms of the card work and should not promote lower payments and put customers in this position. XXXX should learn how to properly deal with customers or should not be in business. I have a few credit cards that use the 0 % interest financing for large purchases and have never had any of them try and gouge me for double the monthly payments up front. XXXX XXXX  has been wonderful and should replace XXXX as the card provider to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending numerous sets of letters to Equifax so the excuse of we didn't get it '' doesn't happen but then nothing happened. It seems that they tend to ignore the trend and let these misleading accounts affect my credit score. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. Please correct the misleading information from these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was left a message on my voicemail from XXXX XXXX stating that they have sent information to my address from 9years ago about an alleged XXXX XXXX debt and they will be pressing charges for check fraud. I called the number left with the claim number she left me and was asked to provide my SSN for verification. I refused. I told them that I do not owe any debt to XXXX XXXX. I need verification of this debt. I let them know that I need to speak with my lawyer before anything happens. My phone number has not changed in almost 20yrs. If they wanted to send me a bill to my current address, I 'm very easy to find. I was told that they will just put the information in and I can explain it to a judge.
Product: Bank account or service

My XX/XX/XXXX Tax Return Was deposit into the wrong account, I call the bank The Morning Of The Deposit and let them know the acct # was Wrong and please return the deposit to the IRS, THE BANK TOLD ME DONT WORRY the names must match the account, Well That Was A Lie, It Went to A Open Acct, it was deposit and spent, The IRS Said The Bank Should 've Return The Refund, The Bank Said The IRS has To Request The Refund Return They did n't, XXXX Made The Mistake and said the bank Will Reject the refund, It did n't happen I have been going back and fort with the XXXX agency and it 's like a lost case, I Contact the customer after chase bank give me his Name, Address and Phone # .I Contact him and he said he had a Amend return for almost the same amount from the same tax office and when it comes he will pay then THAT WAS XX/XX/XXXX, I 'm So Tried, and I Think Chase Should Have Sent it Back To The IRS , They Have Protected This One Customer and Not Me Well I 'm Your Customer To Chase. The IRS Sent A Letter Requesting Information and The Bank Said It Went Into The Wrong Acct, The Name And SS # DO NOT MATCH-Funds NOT AVAILABLE TO RETURN AS OF XX/XX/XXXX - {$4200.00} I Contact Chase Bank Executive Customer Service and after a while like 6 to 8 weeks was told The Bank Will Not Lose Any Money and yes it should have been return, To Go After The Customer. WOW
Product: Credit card or prepaid card

When I was unable to use my Discover card it was denied. Ive never been late usually paid two payments a month. But DISCOVER REVOKED MY ACCOUNT WITHOUT WRITTEN NOTIFICATION. Their claim is we emailed you. You agreed to being emailed. I explained I do not recall this conversation and listening to it will make no difference. This all stems from the card getting violated in which I have no problem filling out paperwork when I know its coming or marked Eurgent in email so you know its not spam. I am following this complaint with the OCC, FDIC, FCC SINCE THEY RENEGED ON A VERBAL AGREEMENT VIAL TELEPHONE.
Product: Bank account or service

On XXXX XXXX, 2016, on Saturday at XXXX, I talked to a Charles Schwab customer service representative. I called to see why my check card could not be activated by phone. After answering all the identity questions from this representative ( address, social security number, and finally drivers license number ) she looked into my accounts. What had happened was that a card from an old account that I closed had been sent and this is why I could not activate it. After my question was answered, this rep proceeded to ask me if I was employed, what colleges I have attended, and what jobs I had worked at. Then she asked if I were going on vacation! I actually thought she was going to ask me what my net worth was! She then proceeded to insult me and say 'I do n't know why you are activating a check card with only this amount of money in your account '. My friend dealt with either this same woman or one like her 2 years ago. He contacted Charles Schwab with a question concerning his account. She asked him why he was withdrawing money from his account and THEN asked him what he was doing with it!! And 2 years ago, after the way he was treated, I decided NOT to use Schwab as my primary bank and closed ALL my accounts except for XXXX checking and brokerage account. Today XXXX/XXXX/2016 I closed the last remaining accounts. 
I complained to Charles Schwab customer service by their online email. I received a response that basically stated that someone would call me. On XXXX/XXXX/2016 a male, who did not give his name, called me and claimed he had listen to the tape concerning the incident in question and said this was further verification for my identity, which is a lie. HE DID NOT LISTEN TO THE TAPE because he would have known that my identity had been verified and the female rep immediately pulled up my account information. This guy was raising his voice at me and justifying what this female customer service representative was asking. I had to yell at him to be quiet because I could not get a word in edge-wise and finally hung up on him and he was still with a raised voice yapping away. My identity was already verified and she was just being nosy. Charles Schwab never knew where I worked or what colleges I attended so this information was not used to verify anything. A nosy customer service representative could easily be tempted to commit fraud or theft with account holders. They are deceptively obtaining information, data mining, in the guise of the verification of identity.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - 15 U.S. Code 1666b - Timing of payments ( 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- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX, XXXX, and Equifax have 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 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 or 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 data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is EXPERIANs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 6 inaccurate late payments for the XXXX XXXX account beginning in XXXX. These include a 30 day late payment posted in XXXX XXXX 120 day late payment posted in XXXX XXXX, 120 day late payment posted in XXXX XXXX, 90 day late payment posted in XXXX XXXX, 60 day late payment posted in XX/XX/2021, and 30 day late payment posted in XX/XX/2021. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C.1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Mortgage

Please take a look at the attachment. At this point NJ Lenders has no record of paying XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX  has no record of being paid. 
I am not looking for the document that is title Mortgage and " Stamped Cancelled of Record '' that has no proof of satisfaction, no proof of lien release and no discharge recorded. 

I NEED TO KNOW IF XXXX XXXX XXXX XXXX WAS PAID. 
THE NJ LENDERS DOCUMENT NOTE CONTAINS THE LANGUAGE " IN RETURN FOR A LOAN I RECEIVED I PROMISE TO PAY U.S. {$130000.00} '' PLEASE ANSWER THE QUESTION : ARE YOU SAYING THAT I WAS PAID {$130000.00}? 
I NEVER RECEIVED THE NJ LENDERS CHECK AND WAS NOT PAID THE MONEY. 
1 ) DID NJ LENDERS PAY XXXX XXXX XXXX XXXX? 
2 ) DID NJ LENDERS PAY XXXX XXXX? 
3 ) WAS ANYONE PAID? 
ITS IS VERY IMPORT THAT WE GET THIS MATTER RESOLVED.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts listed below as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask for these accounts to be promptly removed from my credit report to protect my personal and financial information.

Affected Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I told Experian, XXXX and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

1. The inquiry was not authorized XXXX/XXXX  XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 2. The inquiry was not authorized XXXX/XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please Delete Immediately 3. The inquiry was not authorized US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX Please Delete Immediately 4. The inquiry was not authorized XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please Delete Immediately 5. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please Delete Immediately 6. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number XXXX XXXX Please Delete Immediately
Product: Student loan

My student loans are wi th Nelnet. When I sign into my account, I can not get any information regarding the term of the loan or how many payments I have left. The only payment details offered are " as of 2014 '', but do not give any term or number of payments left. I chatted with 2 separate representatives and they said that information was not available to me. I said I  find it hard to believe that a payor is not entitled to that basic information and they just maintained it is not. This can not be legal. All I want is some documentation as to the term of my loan and how many payments are left.
Product: Checking or savings account

Wells Fargo XXXX bank XXXX XXXX XXXX and XXXX XXXX Bank stole XXXX in nsf charges and bank fees from another account. Bank went into my checking to pay it off and is was not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX Balance Owed : {$3500.00}, XXXX XXXX XXXX Balance Owed : {$870.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information 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
Product: Debt collection

had a pay agreement to repay the loan. last payment made was in XX/XX/XXXX however, I have been unemployed since XX/XX/XXXX. I have been paying from my savings and have now depleted all sources of income. I have contacted XXXX XXXX on multiple occasions to inform them of my hardship status. after 90 days of non payment, XXXX XXXX has forwarded the debt to 3rd party collection agency OLIPHANT FINANCIAL LLC. I received written notice from OLIPHANT FINANCIAL LLC dated XX/XX/XXXX requesting a response to the collection debt. I contacted OLIPHANT FINANCIAL on Monday XX/XX/XXXX at XXXX and spoke with an EXTREMELY rude agent by the name of XXXX at XXXX. I informed XXXX of my current situation and stated I was unable to make any payments. XXXX was very rude and did not let me speak without interrupting. further more XXXX stated, her records showed I have a XXXX Credit card in which I could use to make payments. This sensitive information was disclosed to me without my consent to pull my credit report. In addition I did not authorize OPLIPHANT FINANCIAL LLC nor anyone representing OLIPANT FINANCIAL LLC to pull my credit. I question why they disclosed this information with out my consent and how would they know about this without unlawfully pulling my credit file?? I find the practices implanted by OLIPHANT FINANCIAL LLC in attempts to collect debt to be very unlawful. 
for the record this complaint is for OLIPHANT FINANCIAL LLC ( rep XXXX AT XXXX )
Product: Debt collection

'I C System ' is trying to collect a debt of {$300.00} on behalf of XXXX XXXX XXXX and XXXX XXXX XXXX - Debt has been in the collection for almost XXXX years. I was unaware that the collection was in place ( no notification via mail, email, or phone ) and was actively ruining my credit. XX/XX/XXXX, I received a call from an investigator running a background check regarding this financial debt delinquency ( First notification about this debt ). I immediately called XXXX XXXX and XXXX and they confirmed that the account is paid in full and closed since XX/XX/XXXX. I called I C System multiple times trying to figure out what was going on and whether they had any documents proving their right to collect a debt. I C Sytems repeatedly hung up the phone on me.
Product: Debt collection

I have been contacted by XXXX XXXX regarding an alleged debt that they are saying I owe. I have no idea about this debt and I am very frustrated that they have put this on my credit report. They have sent me a contract with typed name on it which is not a signature. Anyone could have typed this template contract up. They have still not responded to my letter that has been sent to them asking for a mac address id where this alleged electronic signature was generated from. XXXX XXXX have been very rude when I have been asking about this alleged debt. The contract says MONEYKEY but my credit report says XXXX XXXX XXXX which is two different companies,
Product: Mortgage

Bank of America is currently engaging in dual tracking during the modification process and trying to claim ownership of the mortgage. I submitted documents during the month of XX/XX/XXXX, for a loan modification. Please see attached document! 

The CFPB issued amendments on XX/XX/XXXX, The rule issued establishes new protections for consumers, including : Requiring servicers to notify borrowers when loss mitigation applications are complete : Whether a borrower is entitled to key foreclosure protections depends in part on the date a borrower completes a loss mitigation application. If consumers do not know the status of their application, they can not know the status of those foreclosure protections. 

The final rule requires servicers to notify borrowers promptly and in writing that the application is complete, so that borrowers know the status of the application and have more information about their protections. 

The CFPBs new rule clarifies that, if a servicer has already made the first foreclosure notice or filing and receives a timely complete application, servicers and their foreclosure counsel must not move for a foreclosure judgment or order of sale, or conduct a foreclosure sale, even if a third party conducts the sale proceedings, unless the borrowers loss mitigation application is properly denied, withdrawn, or the borrower fails to perform on a loss mitigation agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attatched XXXX Confirmation Settlement Letter dated XX/XX/XXXX XXXX : XXXX credit card ending XXXX SETTLED XX/XX/XXXX, XXXX see attactched XXXX XX/XX/XXXX MC XXXX {$100.00} DUE. My private secure data from the XXXX OPENED THIS ACCOUNT XX/XX/XXXX. EXPERIAN & XXXX  RELY ON INACCURATE CREDIT REPORTING FROM THE CREDITOR XXXX. *** I DID NOT OPEN ACCOUNT. **** CRAs REFUSE TO VERIFY THE DRS LICENSE & SIGNATURE. USED TO OPEN ACCOUNT.
Product: Credit reporting or other personal consumer reports

I sent letters to settle the matter and I even sent a money or following accord and satisfaction. 

ALLY BANK/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Monday, XX/XX/2021 Account No. XXXX