23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am in the process of being defrauded by Paypal and XXXX bank. I signed on for a credit card with Paypal through XXXX ordering. My interest rate was reasonable low at the time. I believe it was in the teens. 
I ordered on it but got XXXX soon after. I was n't paying attention to my bill. I just charged and paid the payments. It was only when the payments escalated that I took notice. 
My statement showed that only XXXX dollars of almost XXXX dollars was going on the principalALL THE REST WAS INTEREST, I called Paypal and asked questions. I asked when was my interest increased that I was never given notice or I would have closed the account sooner. I WAS TOLD MY ACCOUNT WAS THE SAME ACCOUNT. I THEN CLOSED THE ACCOUNT AND SETUP A PAYMENT PLAN. I was to pay XXXX per month. I also on my own paid down XXXX to get the owed amount down much lower. I CALLED LATER AND TOLD PAYPAL THAT IHAD FOUND XXXX OF MY ORIGINAL STATEMENTS THAT SHOWED A DIFFERENT ACCOUNT AND THAT IS NEW ACCOUNT WAS NOT XXXX I SIGNED ON TO. 
They insisted that it was the same. 
About XXXX wks I started receiving calls with no person just a message to call GE. I did n't understand this because GE meant nothing to me. I did not say PAYPAL. 
I called and found out it was XXXX bank and they wanted XXXX dollars per month from me. I REFUSED. As this is a payment TOO LARGE FOR ME TO PAY. I AM A SENIOR WITH ONLY XXXX AND I CAN NOT PAY AN AMOUNT THAT LARGE AND LIVEI also think SYNCHRONY HAS NOT BILLED BE ACCURATELY. I THINK THAT THEY DID NOT PAY THE CORRECT AMOUNT TO MY BILL AS THEY CLAIM I ONLY PAID XXXX DOLLARS TO THE PRINCIPAL AFTER PAYING XXXX DOLLARS FOR OVER A YEAR. 
WHERE IS MY MONEY. WHERE IS THE XXXX DOLLARS PLUS XXXX PER MONTH. I also believe that XXXX NEVER ABIDED BY LOWER INTEREST RATE DURING TIME PERIOD. THE INTEREST CHARGED NEVER LOWERED. IT APPEARS THEY ARE HIGHER THAN EVER. EVEN WITH PAYING XXXX DOLLARS IN PAYMENT LAST YEARI can never pay this bill off. First of all I do n't feel I owe this amount. I believe I have been defrauded and am continuing to be harassed and defrauded even after trying to paY this fraudulent bill. I have cancelled all my future payment until this investigation is over. IT IS A WASTE OF MONEY AS LATE FEES AND MORE INTEREST ACCRUS TO CONSUME THE ENTIRE PAYMENT OF XXXX DOLLARS. THIS IS INSANE AS MUST STOP. 
I need all of my records to be produced and investigated. All paypal accounts. XXXX is buying up NUMEROUS COMPANIES and I believe that all manner of cross billing andfraudulent interest hikes are rampant. EVEN RIGHT NOW. PAYPAL IS CONTINUING TO HARASS AND BILK CONSUMERS. 
Something must be done. Even the FBI called in as these accounts are being altered online. 
I NEED HELP NOW. 
Sincerely, XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SENT OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVED In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter in the mail from XXXX XXXX indicating my application was not approved because " Unable to access credit bureau due to freeze or lock '' The agency listed was SAGESTREAM , LLC. 

I have no idea who this company is. I can not contact anyone at the number listed because it is just a recording. The website doesn't provide ANY information on how my info is collected and used to for credit inquiries. I have never contacted this company or any of its aliases to put a lock or freeze on my credit report. They are lying and providing false information to deny consumers access to credit. Most of these individuals are low-income individuals.
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX, Equifax and XXXX have neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. 


Subject : Final Notice : Immediate Deletion of Inaccurate Information or Legal Action To Whom It May Concern, This letter serves as my final notice and demand for the immediate deletion of inaccurate Information from my credit report. Despite my previous attempts to resolve these issues in good faith, your continued negligence and failure to comply with the Fair Credit Reporting Act ( FCRA ) has left me with no choice but to take aggressive action. 

I have previously sent dispute letters on XX/XX/year> and XX/XX/year>, requesting the removal of the following inaccurate information : XXXX. XXXX - XXXX - {$3600.00} XXXX. XXXX - XXXX - {$5600.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$17000.00} To date, you have failed to adequately investigate these disputes or provide any substantiated evidence that supports the accuracy of this information. Your inaction and disregard for my rights under the FCRA are not only unacceptable but also illegal. 


If you do not immediately delete the disputed information listed above from my credit report, I will be left with no option but to file a lawsuit against your organization for willful noncompliance with federal law. This will include claims for : 14. Violation of the Fair Credit Reporting Act.

15. Defamation of character due to the reporting of false information.

16. Damages for the financial and emotional distress caused by your negligence.

I demand a written confirmation that the erroneous information has been permanently removed from my credit report within 15 days of receipt of this letter. Failure to do so will result in my immediate commencement of legal proceedings. 

Please be advised that I will also be filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General 's office. Additionally, I will seek compensation for all legal fees, costs, and damages incurred as a result of your noncompliance. 

This is not a request but a final demand for immediate action. You have an obligation to ensure the accuracy of the information you report. I trust you will take this matter seriously.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX Balance : {$6600.00} XXXX  XXXX Balance : {$4400.00} XXXX  XXXX Balance : {$6400.00} XXXX  XXXX Balance : {$6400.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

An account listed as XXXX  is inaccurately reported on my credit report. It duplicates another account ( XXXX XXXXXXXX XXXX XXXX that is fully paid and closed. The negative entry resulted from transition issues between XXXX and XXXX, which disrupted my ability to make payments. I have provided Experian and XXXX with evidence of the duplicate reporting and request that the CFPB intervene to have this entry corrected or removed.
Product: Credit card or prepaid card

I closed this account with XXXX and they got so mad that they keep charging for a late fee on XXXX of this year and I called to make sure I paid the hole thing but they told me {$18.00} dollars and few cents but next month they claimed again there was another late fee after I paid the {$22.00} XXXX they claimed was for the late fee then next month they send me another called late fee plus XXXX dollars they claimed I was short of so I paid XXXX XXXX plus XXXX dollars makes {$24.00} XXXX then on XX/XX/2019 I paid XXXX plus XXXX dollars interest now this month they send me another late fee XXXX I called my bank and they advise me to get un touch with you because this bank is fraudulent taking advantages of me I called Comenity bank bit firs they claimed that they never got the payment on time even that I paid in them meddle of the mouth manager XXXX and she did not care she told me that this conversation was going to be recored witch I well come because there is not any purchase since XXXX and the keep pushing a balance but as last time we tried to fix this issue they don't care
Product: Credit card or prepaid card

On XX/XX/2021 I paid off my charge cards. Two of the cards were capital one. I never had a late payment on neither card. The day after I payed off the card they drafted a letter on XX/XX/XXXX. The letter stated they were closing both accounts because one of the accounts violated the card holders agreement. A call was made and no one was able to say which card violated nor what violation was. I do know that the percentage rates on the cards was much lower than they are now. This will have a huge impact on my credit rating. Can you please help me find out why my accounts were closed. I want them reopened at the rate of credit which I had. I had been using the cards and did not let they go stagnant. I believe I was shut off because they did not like the lower interest rate I was paying.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have written in to Experian and XXXX  concerning invalid items reported on credit report and they refuse to remove non account holding inquires and 3 accounts : XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( not my account, companies do not have contracts and have been unverified ) and Chapter XXXX bankruptcy the bankruptcy has invalid date reporting and the following inquires were not done by me : XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX card, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX , XXXX , and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is fraudulently reporting that that has been discharged on three or more accounts and destroying my credit. All these accounts are closed and discharged according to the UCC guidelines. XXXX is reporting accounts that have been removed from XXXX and Trans Union which is against The rules of The fair debt reporting act. I have disputed them and get no investigation, or any real verification of any debt. No documents will be provided or proof of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL 3 BUREAUS ( XXXX XXXX, XXXX, AND EXPERIAN ) IS IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
Product: Money transfer, virtual currency, or money service

Back in 2018 I was using Zelle to send money. To friends, family, etc... I didn't sign up for the other apps because I didn't feel comfortable with them yet and thought Zelle was safer as it was directly through the banks. However, they never had the disclosure statement about verifying the safety/security of the receiving party. I don't have an exact number, but somewhere in the XXXX of dollars may have been mis-sent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I have repeatedly called Equifax customer service to have assistance in logging into my online account so that I can perform an dispute on my credit account they did not help me only give me the run around
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 XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX  XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account and got denied. I dont understand why I would be because i typical get approved for everything i apply for so, I checked my credit report so that maybe i would get a better understanding. after doing so I notice some items on my report are not mine. Im unsure of how this has happened. I need these items deleted from my credit report. XXXX XXXX {$730.00} XXXX XXXX XXXX {$25000.00} XXXX XXXX  XXXX {$400.00} XXXX  XXXX {$460.00} XXXX  XXXX  XXXX {$940.00} XXXX XXXX {$2100.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$750.00} XXXX XXXX  XXXX {$15.00} XXXX  XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX {$1100.00} DPT ED XXXX XXXX {$4500.00}
Product: Credit card or prepaid card

Barclay Card case number : XXXX My bank, XXXX  XXXX XXXX sent {$860.00} to Barclays on XX/XX/2022 and it deposited XX/XX/2022. Barclay didn't post this amount to my account. I called my bank and Barclay over 10 times. Barclay resolutioncenter requested a copy of the paid check and they will be posted this amount directly, so I sent an emailof the copy XX/XX/2022. 
The check showed my Barclay account and name address clearly. Anyone can see well. 
After that I called a few more and asked online for posting my payment because the duedate is almost coming. 
But Barclay didn't solve it.
Product: Checking or savings account

In the fall of 2023, I discovered my CapitaOne 360 Savings account was barely earning any interest ( approximately 30bps ). This struck me as odd as the company consistently advertised a high savings rate with " no catches ''. I called the company to understand what was going on given cash interest rates had risen to nearly 5 % around that time. The agent conveyed to me that my account did not have the word " Performance '' in it and therefore did not qualify for the higher interest rate. I asked her why the company would ever have two exact same products with nearly identical wording and pay such different rates. She awkwardly told me she did not know. She also mentioned it had never been an issue in the past when interest rates were nearly zero as the two accounts matched each other ; she mentioned only in the past year did the Performance account significantly have its interest paying rate increased. She also mentioned the Performance account was a newer account that was created over the past few years and did not know why the company took this approach. I was so furious of being taken advantage of that I moved almost all my savings that month to another institution. I have an XXXX from a top XXXX school and was part of creating a multi-billion dollar financial firm in my career. If I was deceived by the false advertising of this firm, I can only imagine how many people were affected.
Product: Debt collection

As this company states in complaint XXXX, they are just the servicer for XXXX XXXX XXXX ELT Nelnet Trust. The state of Texas does not show this company has a surety bond on file, which is a violation of the Texas Finance Code.

Also, as they pointed out on the application provided in complaint XXXX.

Texas Finance code requires a surety bond for any company or their servicer to collect as they so frankly referenced, as permitted by law ( section F.34.F ). This is Texas states law. Their statement : " To clear up your questions, we offer you the following basic information about the loans Nelnet is servicing for you. Your consolidated student loan is owed to XXXX XXXX XXXX  Elt Nelnet Trust. Your account number is XXXX To clear up your questions, we offer you the following basic information about the loans Nelnet is servicing for you. Your consolidated student loan is owed to XXXX XXXX XXXX  Elt Nelnet Trust. Your account number is XXXX ''.

This company continues to violate the Texas Finance Code by not providing a surety bond for nelnet and/or their client, XXXX XXXX XXXX ELT Nelnet Trust. As such, I am seeking legal advise from XXXX XXXX XXXX XXXX  to legally pursue this matter further. The finance code is very specific and both companies continue to violate it. This company has repeatedly failed to provided their right to lawfully collect in the state of Texas. They are required to get a surety bond. No one had provided this which is required under the Texas Finance code. I will continue to file a complaint until this is removed from my credit or this company proves they are legally authorized to collect in this state. Texas Finance Code 392.202 and 392.101 This company is headquartered in the state of XXXX. I am a XXXX   resident. This company is fraudulent and illegally collecting in the state of XXXX. I also do not show this credit bureau has a valid surety bond to collect in the  state of XXXX. Nelnet hasn't produced info. I want this removed from my report immediately. I want the {$10000.00} fee paid for each day this continues to remain on my report per the code. I have failed a complaint with the Texas Attorney General 's office. Attached is the complaint for both companies.
Product: Debt collection

I received written correspondence from XXXX XXXXXXXX XXXX in XXXX ( attached ) of an estimate for payments owed after move out repairs were made with a notice that the final account statement was to follow. A final account statement was never received. I was then contacted by phone by Hunter Warfeild collections on XX/XX/XXXX. Upon returning Hunter Warfield 's call I was made aware that XXXX XXXX had hired them to collect on a debt. I requested that a itemized bill by mailed to my current address and provided that address to the representative. No further contact has been made by Hunter Warfield and no bill was recieved by mail. I have attempted contact with XXXX XXXX several times always leaving messages requesting a return call. My credit report as of XX/XX/XXXX shows a collection. I would like to dispute this collection as proper procedures were not followed and I can not verify the legitimacy of the claim. Thank you for your help. 
XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Under 15 US Code 1681i ( 7 ) Method of verification, this account is in violation it was reported without valid evidence. I have provided proof that the Bankruptcy courts do not report information to the credit reporting agencies. The bankruptcy court is listed as a furnisher on my credit report without valid evidence that it should be there, this is a violation. I demand that the accounts be removed from my credit report permanently. Can you provide evidence that supports your claim that the accounts are accurate? Did you use certified documents during the investigation, and if so, what were they? Please provide any information that was passed on to the original creditor during the investigation. I also need to know the cost of the documents used, the name of the person you spoke to at the original creditor 's office, as well as when and for how long the conversation took place. I would appreciate if you could provide the name of the person from your company who spoke with the original creditor during the verification process.