23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The USBank Reserve Credit Card offers 3x Rewards points on all purchases made through mobile wallet payment methods like XXXX XXXX. However, since XX/XX/2024, cardholders have only been receiving 1x Rewards points for such transactions. This change has resulted in the loss of thousands of points. Despite promises to address and resolve this issue, it remains unresolved.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts name XXXX XXXX XXXX  XXXX, account name XXXX XXXX XXXX XXXX XXXX # XXXX, account name 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 XXXXXXXX # XXXX, has violated my rights 15 U.s.c 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : states 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 report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related 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 or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$1800.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Mortgage

I began a refinance with Wells Fargo in XXXX, XXXX. Wells Fargo has my current mortgage which began in XXXX on the same property. 
So I am XXXX months into this process with no end in sight. Wells Fargo has asked me for repetitive information ( up to XXXX requests for same items to be sent XXXX times ) via their web downloading. 
The process is well beyond reason now. Today I was asked to explain why my credit was checked several times in XXXX. I have no other credit apps in process now or in past year except a XXXX card.
Product: Credit card or prepaid card

I have an account with XXXX XXXX XXXX through XXXX XXXX XXXX XXXX. My payment due date is the XXXX of each month, of which I am making my payment on the due date every month. My account was recently compromise so I was reviewing my statements and noticed that I am being charged a {$38.00} late fee every month, even thought I am making my payment on its due date of XX/XX/XXXX. I contacted comenity capital bank and was told that although my payment is made on its due date of XX/XX/XXXX. It doesn't post until XX/XX/XXXX and is considered late. XXXX has never sent me any written literature of the numerous late fees nor have they contacted me in regards to the payments being late. I spoke with an account supervisor who informed me that they are only empowered to make one of the six late fees adjustment. I feel that this is blatant unfair business practice against the consumers and if the company gives a due date of the XXXX of the month, I should not be charged a late fee because I made a payment after XXXX on the XXXX. Can you please assist with this issue Thank you Mrs.XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

The company keeps calling me once on XXXX XXXX2018 at XXXX XXXX And threatening to sue me and send me a complaint summons. I paid half of my loan off through oracle financial group LLC . I paid XXXX And they were supposed to take the final payment but it never came out of my account. They keep harassing me and I called the actual payday loan company and check to see how much I owed and the original payday lender keeps saying I owe the same amount from before I paid the XXXX. They also are threatening to freeze my accounts and garnish my IRS refund. Instead of sending me letters with how much I owe they keep calling me. They never sent me a receipt for the half of the loan I paid off. I am not comfortable with paying for the other half of what I owe if I dont have a receipt for the previous half. i feel like they are using threatening illegal debt collecting practices with me. They called on XX/XX/XXXX at XXXX XXXX and told me that they are trying send me with a summons complaint and that it was sent back and to call their mail room as well as they are charging me with fraud.
Product: Payday loan

Needed some extra XXXX money.I applied for a {$200.00} online to Castle payday.They wanted {$100.00} a month for 9 months.I refused to pay {$900.00} for a {$200.00} loan! 5min. later a lady calls me and said why did '' nt you want the loan? I told her I '' m not paying {$900.00} for a {$200.00} loan.She tells me she can cut my payments down 4 payments of $ XXXX.I said okay.What I later found out, she gave me the same deal I did '' nt want.I had to change my bank account so they could '' nt take out anymore money.Castle payday is nothing but a " rob you in plain sight '' company!! Nobody wants to deal with a company that lies to you and robs your bank account!!
Product: Debt collection

Called is calling from random XXXX numbers. I f dat I not know who this is or what they want. Looked up phone number online which is how I found out that theyre a debt collector. No voicemails are ever left. I block one number and they call from many others.
Product: Debt collection

Requesting the contract of this dept with my signature on it from the original creator
Product: Payday loan, title loan, or personal loan

The company is charging an interest rate of over 700 %. I have paid beyond the principal payment. I have tried to contact them to find out information on the loan but can never get in touch with a helpful employee. I can not afford to continue paying their extremely high interest rate that is not legal in the state of NJ.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX ( XXXX ) XXXX Account # XXXX, XXXX XXXX XXXX Account ending in # XXXX, Account number ending in XXXX 15 U.SC 1681 section 602 A States I have the right to privacy 15 U. S.C section A Section 2 : It also state a consumer reporting can not furnish a account without written instructions.
Product: Vehicle loan or lease

I have previously submitted this complaint before All what happened that the dealer ignoring my complaint and Honda called me to let me know that they cant do anything to fix the problem and they said to me go after the dealer and it has nothing to do with us here in Honda financial USA.
Product: Student loan

I contacted them back this summer trying to reduce the monthly payment due to covid. The representative stated the payment could not be dropped. 
I received an email in XXXX notifying me that payment will go up in XXXX,. I contacted the company once again today XXXX and logged into my account the balance had almost doubled and was told interest accumulates everyday. This is totally unfair how can make headway to an account paying a monthly payment and accruing interest everyday. 
This will drag on for over 10 years. She didn't give any solution and just was like yeah, interest is everyday. 
This is worst - getting a student loan. Trying to get them to work with you and even with covid. No assistance but to default. They give no resolution or try and help
Product: Debt collection

On XX/XX/2016 Stoneleigh Recovery Associates sent a letter detailing a debt they say I owe. 
On XX/XX/2016 I sent a response in which I denied the debt, asked for verification and specified DO NOT CALL. 
On XX/XX/2016 they sent a packet of paperwork regarding a XXXX credit card account in an attempt to validate the debt per my request. 
On XX/XX/2016 at XXXX Stoneleigh representative called my phone and denied receiving a response to their original contact wherein I denied the debt and told them in writing DO NOT CALL. 
The caller refused to allow my assertions and was very argumentative after I told him numerous times to contact me by mail only. The caller was becoming abusive and I felt no other option at that time other than to just hang up on the caller.
Product: Credit reporting or other personal consumer reports

I recently just looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also have attached evidence. 

XXXX. [ XXXX XXXX XXXX & XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B. 

XXXX. [ XXXX XXXX XXXX & XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B. 

XXXX. [ XXXX XXXX XXXX & XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B. 

XXXX. [ XXXX XXXX XXXX & XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B. 

XXXX. [ XXXX XXXX XXXX & XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B. 

XXXX. [ XXXX XXXX XXXX & XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B. 

XXXX. [ XXXX XXXX & XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B. 

XXXX. [ XXXX XXXX XXXX & XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B. 

XXXX. [ XXXX XXXX XXXX XXXX & XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B. 

XXXX. [ XXXX XXXX XXXX XXXX XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted and notified all parties involved : ( XXXX, Equifax, XXXX, Us Dept Ed, and Dept Ed/XXXX  ) of these fraudulent account ( s ) reflecting my credit report.US DEPT ED {$7100.00}, US DEPT ED {$4100.00} and DEPT ED/XXXX {$5900.00}, XXXX XXXX {$3500.00}. I have continued to receive the same frivolous responses from all parties involve.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, Experian accepted an unvalidated debt from a company called XXXX XXXX XXXX. The debt was discharged in my chapter XXXX bankruptcy in XX/XX/XXXX. After a dispute I filed in XX/XX/XXXX, Experian removed it from my credit report. 60 days later in XX/XX/XXXX, XXXX XXXX reported it to all three credit agencies again. XXXX and XXXX removed it immediately due to past investigation. For a second time, Experian allowed it. I disputed it again. Experian just concluded that investigation. They did not remove it this time and did not provide me with a reason. This has caused me severe problems with my credit. I have a nearly perfect score with 2/3 of the credit agencies. I can't understand why Experian has reinserted a unvalidated deb that was removed 60 days before. I work for a bank, and this issue may effect my continued employment. The mortgage company will not answer my inquiries. Both companies have my discharge on record with specifics on debts that were included. The debt in question is highlighted in the judgement over 10 years ago I will add. Can you please help me
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and 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 credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer under subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries 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 ). Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XX/XX/XXXX - Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 
XXXX - XX/XX/XXXX - Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 
XXXX - XX/XX/XXXX - Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 
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

Prince Parker and Associates Has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 consumer reporting agency may not furnish an account without my written instructions, under 15 USCs 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. A collection have been placed on my XXXX account and it will soon be on my XXXX and XXXX. The collections was placed on my account between XX/XX/XXXX and XX/XX/2023 for an amount of {$4300.00}. Ive never received communication from this company and ive never gave written permission to furnish this account on my credit reports. This is a violation of my right to privacy.
Product: Money transfer, virtual currency, or money service

When XXXX first came on line a transaction for {$300.00} was made but it was not supposed to happen. Tried to get money back from receiver but no luck. Call bank and they said they could not help.
Product: Mortgage

I called Suntrust to adjust my auto payment because my payment had decreased due to an insurance change. Instead of the change being made, a one-time payment was processed which means instead of paying XXXX this month for mortgage, I will pay XXXX. Suntrust would not help me fix this at all despite the fact that I called before the payment was released from my bank. In fact, they wouldn't let me speak to a manager, yelled at me, and told me to call my bank to deal with it.
Product: Credit card

I am contacting your agency because I need your help in disputing some charges done on my PayPal Credit by a fraudulent company. I have paid several companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid XXXX company my phone got inundated with calls from these companies offering me their services. I would like you to investigate a {$3400.00} charge done on my card by iePlexus charged on XX/XX/2016. I realized I paid thousands of dollars for these companies. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with and get my refund but they ignored my requests.
Product: Credit reporting

This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for housing a car ), which was highly embarrassing and has negatively impacted my lifestyle. 
( optional ) With the proof I 'm attaching to this letter, I 'm sure you 'll agree it needs to be removed as soon as possible. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX Account /cell number XXXX delete the above information as quickly as possible. 
Sincerely, XXXX XXXXYour NameSSN # ***********
Product: Debt collection

I opened my credit report and saw 2 collections from XXXX. It said I owed XXXX. I have no medical debt I checked with My insurance provider as well.
Product: Debt collection

I settled a debt with XXXX XXXX bank through a collection agency in XX/XX/2018. I received a collection letter from a new collection agency out of the blue 2 weeks ago. They have no knowledge that this debt was paid or XXXX shows any records of it paid. I am attaching a copy of the original debt, proof of payment and copy of the new collection agency 's letter 5 years later.
Product: Debt collection

XXXX XXXX, 2023 : I received a debt collection letter from ABILITY RECOVERY SERVICES and XXXX XXXX XXXX XXXX. 

XXXX XXXX, 2023 : I mailed a letter to ABILITY RECOVERY SERVICES, XXXX XXXX XXXX XXXX, disputing the debt and denying that I owe it to XXXX XXXX XXXX. Also in this letter, I demanded that ABILITY RECOVERY SERVICESXXXX XXXX verify the validity of this debt in writing within 30 days and submit a copy to me at the address below. I also asserted my rights under HIPPA and demanded a copy of the HCFA-1500 used to make decisions on my behalf and made part of my designated record set, within the next 30 days. I further requested these items : 1. Provide a billing statement which matches the balance being claimed. 
2. Provide an itemized list of services with the charges that XXXX XXXX XXXX XXXX claims to have provided, that total {$4000.00} OR provide the itemized list of services with their charges and any partial payments my health insurance company and I have already made towards these charges. 

My letter was not returned from sender, so it would have arrived. Further, this company ignored my dispute, provided no documentation to me and recently reported this debt to major credit bureaus without stopping collection and validating the debt.
Product: Debt collection

To whom it may concern, Under 15 u.s code 1618B-permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
I, never gave XXXX any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX several times because of this debt that their reporting to XXXX in the amount of $ XXXX statue of limitations for a credit card debt in South Carolina is 3 years from the date of first delinquency, which is XXXX XXXXhis debt is being reported inaccurately.XXXX didn't validate this debt.They sent a statement which is not debt validation and there is no signed contract with the company.
Product: Debt collection

XXXX has again tried to pull an illegal move again by throwing a very old debt on my credit report. Whats Illegal about it well lets take a look 1. In Texas we have a Statue Limitation Law of 4 years on Debts, which means apparently when this debt was created back in XX/XX/XXXX-XX/XX/XXXX its should be illegel for these people to call my phone or try to collect on a debt that is past the Debt Laws in Texas. 

2. I have talked to XXXX and the time they claimed I had service with them, I have told them I did not I had service with XXXX XXXX at the time apparently after my request not to years ago they left my service on with me not even having any of their equipment in my home. 

Now I will be sending an email to the CEO of XXXX/XXXX contesting this debt that I feel is not owed.
Product: Credit card

I received a Capital One Quick Silver credit card in the mail. I never applied for this card nor do I know anyone who would have applied under my name.