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

Between XX/XX/XXXX and XX/XX/XXXX, I borrowed {$3000.00} from Net Credit. Since that time, I have paid over {$3400.00} and still have a balance of {$2600.00} showing on my account. This is because they are charging me " Statement Balance Fees '' each month that were not advertised when I took out this loan. Over the time that I have been repaying this loan, I have been charged {$3000.00} in these monthly fees which has resulted in me paying no principal despite paying back {$3400.00} over this time. I believe this counts as usury lending. 

As well, Enova has debited my bank account on random days and for amounts that I can not predict. As such, I have accrued several XXXX dollars in insufficient funds fees from my bank -- I have no idea many times that these funds will be withdrawn or how the amount withdrawn is calculated. In fact, Enova has never given me a repayment schedule or advised on which days of the month these withdrawals happen. They can not ( or will not ) even set a specific amount to be debited each month and will debit on repeated days, thereby causing me to incur additional fees for insufficient fees. 

As well, Net Credit has repeatedly falsely reported to the consumer credit agencies that I am in default on my accounts -- in fact, they have not advised me of how my payments are applied ( to which months or principal/interest ). I believe that they are still holding open a payment that I missed over nine months previous ( because I had no idea of the debit schedule ) and have been applying subsequent payments to the subsequent balances, leaving this month 's payment as delinquent. This has severely impacted my credit in an unfair and deceptive manner -- payments made since the time of this issue should have been applied first to the arrears.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting at the list of accounts, below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX 1

5 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnishing an account without my written instructions.

15 USC 1681 C ( 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 conviction or crimes which antedates the report by more than seven years.

15 USC 1681 s-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 an accurate.
Product: Debt collection

My son and I were both seen in the emergency room at different times last summer and fall. The hospital did not take our copay of {$75.00} at the time of service. We received bills from the hospital and paid them in XXXX and XXXX of 2016. Those debts were paid directly to the hospital.
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We have been contacted by this agency repeatedly, and I have told them that the debts were already paid. On XXXX XXXX, I faxed them copies of the cancelled checks and referenced the account numbers related to the charges. A representative from the agency had informed me that the letters and phone calls would stop once they received that information. We then received an invoice, dated XXXX XXXX, asking for payment of this charge. I informed them prior to sending the XXXX XXXX fax that further communication from them after I sent the fax would result in my filing a complaint, but they sent the invoice anyway.
Product: Debt collection

Company called me about an a vehicle I had and was totaled I told them issue was resolved with the insurance they said no that original creditor Had placed the debt collection with them but that I could settle for less amounts and I offered to pay {$1000.00} which I did they sent me a settlement letter and I thought I was done with that one month after I received that I owe XXXX almost {$5000.00} to another collection agent for the same situation And I spoke to them and they said that premier holdings did not forward any information to them or Forward the {$1000.00} to the original creditor so now I have a judgment against me and they have frozen my bank accounts and I have nothing
Product: Credit reporting or other personal consumer reports

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

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  these inquiries has no permissible purpose to be on my credit report. Delete these inquiries due to violation of 15 USC 1681b
Product: Checking or savings account

On XX/XX/XXXX, I opened up an online savings account with Discover with initial deposit of {$15000.00}. On XX/XX/XXXX, while on vacation, I received a voice-message from Discover asking me to call them back for account verification. When I called back, the Discover Account Security Rep., XXXX XXXX, XXXX, asked me if I made two wire transfers in the amounts of {$5100.00} and {$9200.00}. I immediately replied NO, I have not made any transactions from or to my account since the opening date. She stated that she's going to reverse those wire transfers and would credit my account for the transfers amount and wire fees since I did not made those transactions. She also assured me that per the Discover {$0.00} Liability Fraud Policy, attached, I am not responsible for unauthorized debit card, online, or mobile banking transactions. She later called that day informing me that she was able to reverse one of the wire transfers, {$5100.00}, but the second transfer the receiving bank has not responded yet. She also recommended for extra security to open a new saving account to transfer the remaining balance and create a verbal password when call in, until the other transfer is cleared. I then requested to talk to a supervisor, XXXX ID # XXXX, for crediting my account for the second unauthorized transfer and he too stated, Discover {$0.00} Liability Fraud Policy that I am not responsible for unauthorized debit card, online, or mobile banking transactions, however, crediting my account may take up to 7 to 10 business days. 

Last Friday, on XX/XX/XXXX, I called XXXX but he was not available, so I spoke with another supervisor XXXX,, who she said she would call me back before the EOB day Friday to give me an update. When she called back, she then put me in touch with Discover Investigation group representative, XXXX, XXXX, whom told me a different story than the rest of Discover staff. He stated that he's going to investigate and request the receiving bank to return the funds but there is no guarantees to get my money back!!!! He also requested me to sign an affidavit, which he's going to mail to me for signature, when I asked him why can't he email or fax me the blank form to save some time, he stated that's Discover policy, I am now waiting for the form to come in the mail. Here is the Discover Website https : //www.discover.comXXXX THANK YOU!
Product: Prepaid card

I received multiple Vanilla prepaid visa cards for my XXXX Birthday from family and friends. They were all Vanilla prepaid visa gift cards.Everyone of rhe prepaid visa cards has been a problem using and today after attempting to use at a XXXX gas station and the card subsequently being declined after putting {$2.00} of gas in the tank I noticed there were ~ {$59.00} of fraudulent charges on the card and a balance of XXXX. 
I called Vanilla customer service which is essentially useless but after getting a case number of # XXXX to refund the full fraudulent charges was told it would take up to 45 to 90 days to process. Unacceptable! 
Vanilla gift prepaid visa cards need to be prohibited from doing business. Its organized and serial fraud. Their customer service is intentionally deceptive and fraudulent. Visa brands the prepaid cards and takes zero responsibility for the fraud! 
I need assistance please.
Product: Checking or savings account

We are a small running business with a great market share and reputation. We recently decided to migrate our processing and banking accounts to chase. We have been treated horribly, our deposits goes on his for weeks including XXXX, we are not able to do business, this is causing delays in our best term which is XXXX hours turnaround, our accounts are going in the minus, they decided from the second transaction that is absolutely and perfectly low risk with every supported document that we are deemed high risk. We have been in business for XXXX years with a close to XXXX revenue a year. 

We are hurting, chase has our money and we need a solution, I am at a place where I call every department every day for help. No hope. 

They cancelled without a notice payments for jobs while it's delivering putting us at high risk of not getting paid for many reasons I'm uncertain if this bank has any support for small business as they claim to be. I need someone with decision making power to get us out of this financial slavery they put us in.
Product: Debt collection

On XX/XX/2022 I received a notice from Credit Management XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Phone : XXXX FILE # XXXX Date : XXXX  The notice stated that I owe {$47.00} to XXXX XXXX for a government phone which I get for free. The phone number is XXXX Since this phone has been free to me for at least the past XXXX  years, I don't understand why I owe any money. 

Furthermore, I have never been billed by XXXX XXXX for any service for this phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

For months I have requested that the credit reporting agencies complete a THOROUGH investigation on the following account and send me written confirmation of the method used to verify the information being published to them. They continue to certify that the information is accurate and verified by your company, however I can't help but to notice a plethora of errors remaining within my credit report including inconsistent information between all 3 bureaus when data furnished is from the same source so how can this be? The negligent errors reported within this account have caused issues within my household and are affecting my wellbeing. As a furnisher, there are rules and regulations you must abide by according to the Fair Credit Reporting Act. You are also in violation of FCRA 15 USC 1681eb. Since the account below is charged off as income, I should have received a 1099c regarding this account. I do not recall receiving this from you, but I do understand that you reported this amount as a loss. I will be requesting form 3949a from the IRS because from the reporting furnished to the credit reporting agencies, it seems you are trying to collect on an account that has already been paid. This is called tax fraud upon the IRS and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so I can audit it to make sure you are in compliance. I'm quite sure your CEO OR VP would not want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. COVINGTON CREDITXXXX XXXX I'm willing to cease taking this action if you simply stop reporting this inaccurate information to the credit reporting agencies. I am requesting that you reach out to the credit bureaus and let them know that this account is no longer being furnished to my credit report due to multiple FCRA Violations.
Product: Vehicle loan or lease

Repossession of my vehicle. Now they harassing me now that they sold my vehicle and saying I owe so much money
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, and Equifax on XX/XX/. Cfpb case number ( Equifax:XXXX XXXX ) ( XXXX XXXX ) Its been well over 30 days and still have not received anything back from XXXX and equifax. According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. This is a violation of my rights. This collection in my account is not mine and its causing me time and money lost. Due to being in the process of purchasing a home. I understand I have up to {$1000.00} for damages this account is reporting. 
Otherwise, have XXXX XXXX XXXX XXXX XXXX XXXX  ) removed immediately.
Product: Credit card or prepaid card

My husband and I purchased our honeymoon trip through Capital One 's travel site because they recommend that over directly through the airline. We purchased our flight with our points ( XXXX miles ) but were unable to purchase anything else through their site. No baggage, seat selection or travel insurance. 
We are now experiencing a situation where we can not travel. We have a soon to be XXXX month old   who we are unable to leave with anyone due to a personal situation and we can no longer take our scheduled honeymoon trip as planned. 
I have called 3 times - 2 of which I was hung up on after 30 and 70 minutes of call time. The third time I was transferred multiple times only resulting in them letting me know that while I have travel benefits ( mind you, a travel card ) they do not have trip cancellation. They are aware I purchased directly through them and they do not offer the option of purchasing travel insurance. They have completely washed their hands on the matter and it is up to me to take the loss. I find this unacceptable considering I purchased directly through them at their recommendation and they did not give me the option to purchase trip protection.
Product: Credit reporting or other personal consumer reports

The company known as experian used my personal information incorrectly and shared my information with other companies without my consent and also shared false information
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 168. 

XXXX  # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX  # XXXX, # XXXX, XXXX XXXX  # XXXX, XXXX  # XXXX. 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 reporting 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 card or prepaid card

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by the 3 Credit Bureaus. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information is different from the 3 Credit Bureaus. Therefore, the XXXX, XXXX, and XXXX have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account in question : BK OF AMER XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Product: Debt collection

This agency called my brother and sister multiple times instead of me in order to try and get in touch with me. They should have already had my contact information.
Product: Debt collection

I am filing this complaint because XXXXZALES has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX, XXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

On XX/XX/year> and XX/XX/year> I received an email that a new inquiry was just added to your credit report. 
I have not requested any bank or credit card applications. I have not provided this information. I have a case with the Police Department where I was a victim of theft in which my personal information was included. An alert has also been placed on my credit reports but at the moment it has not worked, therefore I request that my credit be frozen since these movements are suspicious and I do not want to see my credit affected. At the moment Transunion and Experian obtain this information EMAILS : 1. A new inquiry was just added to your Transunion credit report.

" This could affect your score, but the change will make less of an impact over time.

Be sure to check to see if this information is accurate. If you didn't give anyone permission to check your credit, then you can file a dispute with the credit bureau. '' 2. Note : A lender requested a copy of your credit file. 

Visit the XXXX XXXX XXXX Alerts section to review a recent change in your TransUnion credit report. To protect your privacy, we have not included confidential information in this email. 
Log in soonkeeping an eye on your credit can help defend you from possible fraud or identity theft. They obtained this information.
Product: Money transfer, virtual currency, or money service

I called Ally and spoke with a XXXX for 10 minutes that could not do anything. See picture from Ally web site for a contact I made under XXXX. WHY is this email suspended?
Product: Credit reporting or other personal consumer reports

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  In these accounts that contain late payments, incorrect information has to be reviewed and eliminated. This is incorrectly reported under my name and affects me too much. 


Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/1987 - Incorrect
Product: Vehicle loan or lease

I put money down on a vehicle ... In TILA 15 USC 1662 Advertising of down-payments and installments ; clearing states it is illegal The dealership is XXXX dealership in XXXX, IL, the salesman there told me I need XXXX for a down payment to enter a installment loan with Credit Acceptance. I have banking info with date to prove it.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have noticed fraudulent inquiries listed on my Transunion XXXX XXXX consumer credit report. I did not apply for these applications of credit and not only this Transunion XXXX XXXX have ignored my requests to remove these from my consumer credit report. They have told me that inquiries are required to remain on my report for 2 years after the fact that I have notified them that these inquiries are not mine and that they are fraudulent! That is a violation of my consumer rights protected by the FCRA! Legally these credit reporting agencies can not bind me to fraudulent information on my credit report especially when I am requesting how they verified that this information belongs to me and the investigation procedures behind this! These companies have left my demands unanswered and it has been well over 30 days which is another violation of FCRA Law. I Demand these fraudulent inquiries listed in the attached documentation be removed from my consumer credit report at once!
Product: Credit reporting or other personal consumer reports

the name XXXX XXXX is on alot of my personal accounts including my creditreport i nevergave permission for her to adjust my information on accounts please have her name off my personal affairs. that is my XXXX XXXX and my sibling XXXX XXXX has his unqualified son XXXX XXXX residing with her in her activities and mine. please help me resolve this matter thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My debit card was used XXXX times on the same day at XXXX different gas stations, XXXX was forty miles away and the at the same station I go to.called chase and told them and locked my card, waited a week without my card, got a refund for both which the total was XXXX XXXX.now XXXX weeks later they reversed the charges without notifying me why.I called they said they feel its not fraud.Ive been a customer with them XXXX years with same account, there is no pattern here.I did not make these transactions.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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.