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

Obtained loan on XX/XX/2018 in the amount of {$580.00} for a title loan to assist with emergency expenses. I have been paying monthly {$170.00} per month. 
Not properly disclosed by the lender, my interest rate is 382 % I have paid the a total of approximately {$740.00} of a {$580.00} loan and still have a balance of {$860.00}. 

My understanding is that it was at 10 % rate however, it appears to be a 382 % loan. 
Is this a predatory lending practice and is it legal for a company to charge these types of fees without making sure the customer understands this contract. It indicates on paperwork that you can obtain a refund for finance charges if you pay the loan off early ; however, in my attempts to do that I was told that my payments would be applied to the interest amount first therefore, contradicting the wording that says that the borrower would be entitled to a refund if principle is paid off early. 

It also indicates that the Lender is XXXX XXXXXXXX XXXX XXXX but then it indicates that my pre-paid finance charge would be paid to XXXX XXXX XXXX XXXX XXXX dba XXXX XXXXXXXX XXXX for this loan agreement.
Product: Credit reporting or other personal consumer reports

These 31 inquiries that are reporting on my EQUIFAX credit report ( SEE ATTACHED ) are fraudulent, inaccurate, and unverifiable. ( PLEASE SEE ATTACHED )
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

As stated in my original letter, the address listed below is not associated with my residence history and must be removed : XXXX XXXX XXXX XXXX XXXX, CA XXXX To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXXXXXX  I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report. 
2. An updated credit report reflecting the corrected information. 
3. Written confirmation of the actions taken to resolve this dispute.
Product: Credit reporting or other personal consumer reports

TRANSUNION, XXXX, AND XXXX ARE ALL REPORTING AN INACCURATE LATE PAYMENT ON MY CREDIT PROFILE.
Product: Credit card or prepaid card

THIS IS AN EXTENSION OF CFPB COMPLAINT  XXXX   American Express is   working on getting the money  XXXX  from my bank. I have authorized release of the funds. on  XXXX  -17 the y deposited the funds in my bank and I authorized release the day I found that they had done this. After several calls the finally understood the money was theirs. They say the do n't know how to get it back. I have told them and they have done nothing.  XXXX  is the person working on the previous complaint mentioned above. He called  XXXX  -17 a nd said he understood the problem and had reached out to banking to recover the money. He said he was told it was easy and it would be done soon.  XXXX  -17 AMERICAN EXPRESS C LOSED MY ACCOUNT after talking with  XXXX . They show the money that they ca n't seem to recover as money I owe them and have sent reports to the credit reporting services stating I am over my {$10000.00} credit limit because they have not ( as a bank ) tried to get the money from my account and are holding me responsible for them not doing their jobs. I have called them and explained the process to recover the money and they want me to write a check on their money and show ownership of the money. My bank has reported the deposit of amex money in my account to the IRS as required. I ca n't get them to take it back and it looks like it is my money and they have closed my credit account because they will not do their job.   This is not part of the original complaint and can not be addressed without another complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : USDOE/XXXX XX/XX/XXXX to XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Checking or savings account

There were 3 unauthorized charges to my account on XX/XX/year> for {$100.00}, {$300.00}, and {$1100.00}. I filed a dispute with Chime ( XXXX XXXX  ) but was denied on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 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 21 days before the payment due date. 


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 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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: Checking or savings account

My checking account with Bank of America was excessively charged overdraft fees and Return Item fees, which prevented me from paying my bills and meet my financial commitments on a timely basis ; which also resulted in the accumulation of fees to other financial institutions, such as return item fees and late payment fees. The reason as I see it are the decisions that Bank of America made in regard to debit card disputes and fraudulent activities. I would like also to state that In the months of XXXX, XXXX, and XXXX I was moving from an apartment to another, which prohibited me from managing my account accurately and accessing it was not available all the time. In addition, from XX/XX/XXXX, to XX/XX/XXXX, I joined the XXXX and atteneded a four-month training, and accessing/managing my account was impossible since I did not have any kind of communication whether it was online, by phone, or in person. I talked on several occasions to service agents on the phone and in-person to refund the fees and explained my situation but my request was denied in every attempt. I will list the number of fees including dates, amounts below : The month of XX/XX/XXXX - XX/XX/XXXX : XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$12.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} Total = {$180.00} The month of XX/XX/XXXX - XX/XX/XXXX : XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} Total = {$350.00} The month of XX/XX/XXXX - XX/XX/XXXX : XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} Total = {$210.00} The month of XX/XX/XXXX - XX/XX/XXXX : XX/XX/XXXX - {$35.00} Total = {$35.00} The month of XX/XX/XXXX - XX/XX/XXXX : XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} Total = {$380.00} The month of XX/XX/XXXX - XX/XX/XXXX : XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} Total = {$240.00} The month of XX/XX/XXXX - XX/XX/XXXX : XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} Total = {$100.00} The month of XX/XX/XXXX - XX/XX/XXXX : XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} Total = {$70.00} The month of XX/XX/XXXX - XX/XX/XXXX : XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} Total = {$210.00} The month of XX/XX/XXXX - XX/XX/XXXX : XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} Total = XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've tried to contact XXXX XXXX XXXX ( formally XXXX XXXX ) and they 've denied my request. I 'm filing a complaint on this judgement because it was unfair and inconsiderate. This is the letter Ive sent to them. 

To Whom It May Concern, Thank you for taking the time out of your day to read this letter. I just pulled my credit report, and discovered that a late payments was reported on [XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ] for my account [ loan account number XXXX ]. 

During that time, my mother fell XXXX XXXX, and I was the only one left to care for her. As such, I had to leave my job, and my savings went toward her healthcare expenses. I fell on very rough times after she XXXX XXXX, and was unable to make my car loan payments. 

I realize I made a mistake in falling behind, but up until that point, my payment history with you had been spotless. When I was able to gain employment once again, I quickly resumed paying my student loans, making them a priority. Then i was hospitalized for a few weeks and it cause me to lose another job. 

I 'm not proud of this black marks on my record, its 5 of them, and I would be extremely grateful if you could honor this request to remove the lateness from my credit report. It would help me immensely in securing other lines of credit so that I can further improve my credit score.  rebuilding my future. 

If the lateness can not be removed entirely, I would still be appreciative if you could make a goodwill adjustment. 

Thank You.
Product: Money transfer, virtual currency, or money service

This complaint is in regards to negligence on the part of Wells Fargo when {$24000.00} was fraudulently transferred from my small business account on XX/XX/2022. As I was being scammed by a fraudsters posing as the Wells Fargo Fraud department, my wife was receiving text notifications from Wells Fargo of a wire transfer recipient being set up for one of our accounts and then a a wire transfer was sent for {$24000.00}. My wife, who was at work at an elementary school, called the XXXX XXXX branch of Wells Fargo 2 minutes after the wire transfer text notification. She told the branch manger that she had received alarming texts from Wells Fargo and she read them to the branch manager. The manager told her not to worry about it and that is was probably just phishing and to monitor our accounts. She did not transfer her to the fraud department or recommend she call anyone or do anything else. She told her to delete the texts.

Once I realized that I had been scammed and the money was taken from my business account I contacted Wells Fargo immediately. They told me to come into the bank. I spoke with a banker who did not have time for me. He verified that the money was missing, but he had another appointment coming in. He also told me not to worry, the money would be replaced. I was told to go home and call the fraud department. I did not feel comfortable with this so I asked for a secure line and the banker to assist me with the call. They put me in a back room where I was interrogated by the Wells Fargo fraud department. These was no mention of a XXXX recall or any attempt to contact the bank where the funds went. In fact, it took several days for us to get any information regarding crime against me. I was made to feel that I was the criminal. On XX/XX/2022 XXXX from the fraud department called and said they made XXXX attempts to contact XXXX  XXXX XXXX but no contact had been made. Not acceptable. 

My wife and I visited the bank again XXXX XXXX as we had not received any new information on the progress of our case. We met with a branch manager and she said not to worry, our money would 100 % be replaced. She also said that they get these calls everyday and they are short staffed. No resolution.

Over the next several weeks we have placed several complaints with Wells Fargo, which have been denied. Each denial focuses on how the fraud happened and that I gave codes that authorized the wire transfer. I never denied being tricked. The complaint is how the XXXX XXXX branch of Wells Fargo reacted and advised my wife when she called in and reported the alarming notifications she received from Wells Fargo within 2 minutes of the money being wired. These notifications are what is supposed to help us stop this from happening or else what is their purpose? The bank was in the best position to stop the fraud while it was happening but they did not act in good faith and did not aid in stopping the fraud against my business. Wells Fargo simply let the scammers go and then pinned all of the blame on me. This fraud could have been stopped if Wells Fargo had proper procedures in place in the branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the credit bureau over a month ago and I am yet to receive a response, these items are inaccurate and I demand them to be deleted.
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 use 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 with antedates the report by more than 7 years.

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Product: Checking or savings account

I had a checking account with Bank of America. I was notified by mail that my account was being closed and that funds would not be returned. This was at the beginning of XX/XX/year>. I called Bank of America and spoke with someone I was told that my account was closed because of a fraudulent check that was deposited in XXXX, I am from Texas never have been to XXXX. I also received another letter saying I wouldnt be able to open another bank account for 5 years. This is extremely difficult. Im not sure if this is on my credit report which is resulting in me not getting an another bank account and a job. I would like this to be resolved
Product: Checking or savings account

There were unauthorized charges on my account. I reported this information to Suntrust. Yet, they failed to investigate this information and update my account including putting my money back into my account. Ive called several times and was placed on hold. Nobody could give me any information on the fact that they investigated this claim. These charges left my account in the negative of over {$800.00}. I have a good account history and I shouldnt be held responsible for a mess that I didnt create. When I signed up for this account, I was informed that they had a FDIC insurance policy to cover these type of situations. However, they havent done anything in regards to my dispute. Im starting to think Im being racially profiled as if because Im XXXX XXXX that I dont matter.
Product: Checking or savings account

On XXXX XXXX, Wells Fargo called me concerning suspicious transactions on my debit card. XXXX transactions in the amount of {$500.00} dollars each. As I'm talking to them they sent me numerous verification codes for the transactions. I told them the codes because they said that was what I needed to do to clear it up. Meanwhile I'm being scammed the whole time. Wells Fargo says they will never call you, however the number that showed up on my caller id was in fact Wells Fargo number. I believe I was on a multiple person call and the numbers were being told to another person, the verification codes. I was on the phone with whoever for XXXX minutes. As soon as I hung up I checked my account and the XXXX charges had been taken from my balance in the account. I immediately called Wells Fargo back. They said they had no record of that XXXX minute call and they had had several situations such as this lately. Wells Fargo was the one that said it was probably a multiple person call. They opened an investigation of my XXXX claims and determined under their parameters that my claim was invalid therefore keep my {$1500.00}. I DID NOT MAKE THOSE PURCHASES! We have been customers of Wells Fargo for at least 34 years, since XXXX! I think this is XXXX! Please help me get our money back. Please let me know any communication or resolution you can provide.
Product: Debt collection

Requested validation from debt collector and was not provided a response within the allotted time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I visited multiple XXXX XXXX locations trying to close my account. Each location responded differently to my request but they never said I owed any amount of money. I did not know I had a charge-off of a merely {$3.00} until it showed up on my credit. I contacted XXXX  multiple times as well to verify the charge-off but never received a response. This negative listing and inaccurate reporting on my credit reports is causing me much emotional and financial stress that is interfering with my personal and business life. The account is showing unknown reports on the credit reports, which proves several FRCA violations. I am requesting that this account be permanently removed from each of the bureaus as it has false and inaccurate information with a charge-off of a small {$3.00}. Please help me resolve and remedy my credit from these violations. I have contacted the XXXX. Attorney General 's Office, and the CFPB.
Product: Credit reporting or other personal consumer reports

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the XXXX, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a XXXXXXXX XXXX XXXX status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX! 

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/19 my name was used for XXXX XXXX and was updated past due on XX/XX/19 for {$400.00} and I have not registered for any such thing.