23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My XXXX/XXXX/XXXX statement from Macy 's credit card indicated that my New Balance due was {$280.00} and this was due by XXXX/XXXX/XXXX. I paid the entire New Balance on XXXX/XXXX/XXXX. I was issued another statement on XXXX/XXXX/XXXX. This statement indicated that I was charged interest of {$4.00} ; however, I paid the previous balance in full before the due date. On the second page of my credit card bill for XXXX/XXXX/XXXX, the second sentence under " How to avoid paying interest on purchases '' explicitly says " We will not charge you any interest on purchases if you pay your New Balance by the payment due date each month. '' While this may not seem like a lot of money, I realized that this has happened to me in the past with the Macy 's credit card. Additionally, it makes me think that they are doing this to all of their customers. I have never had a credit card that still charges interest after I have paid the balance in full and on time. 

I called Macy 's and was explained that because I had a previous balance from my XXXX/XXXX/XXXX statement of {$91.00}, in which I was charged interest of {$2.00} in the XXXX/XXXX/XXXX statement, I was charged interest of {$4.00} in my XXXX/XXXX/XXXX statement. Their explanation to this interest charge was based on a note indicated in their XXXX/XXXX/XXXX statement. It is a long, difficult to follow note that I would be happy to supply upon request. Regardless, I am not familiar with consumer credit rules ; however, as stated previously, I am concerned that a credit card company is charging interest after balances are paid in full and on time, as this is something that I have not experienced with other creditors. 

I did not become aware of this extra interest fee until my XXXX/XXXX/XXXX statement arrived and the balance was {$6.00}. When I called Macy 's they indicated that this amount would be credited back to me, and the new balance would be XXXX dollars. While this issue was resolved, I still feel that it is something that warrants additionally concerns since this is likely happening to thousands of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I repeatedly asked for evidence from Equifax, XXXX, and XXXX to support their reporting, but yet again, they failed to provide me with a copy of any viable evidence submitted by the Bankruptcy courts substantiating their claims, which is an additional violation of The Fair Credit Reporting Act 611 ( a ) ( 7 ). Given that I believe that they are acting in bad faith, and have not complied with the FCRA. I have attached proof from the courts that they do not provide any information to credit agencies. And I have maintained records of all actions. The agencies claiming to get information from a court, when its actually obtained from an unnamed 3rd party that could be easily be considered false information on my report. I repeatedly requested for the Bankruptcy be removed from my report because it is an inaccurate unverified account.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account does not belong to me. i have no knowledge of this account and have no business with the creditor
Product: Debt collection

XXXX XXXX XXXX  XXXX XXXX BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX XXXX. 
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Product: Credit card or prepaid card

On XX/XX/2021 I noticed fraudulent activity on my Chime credit builder card. On XX/XX/XXXX my card was used fraudulently XXXX times at exactly XXXX at XXXX in XXXX XXXX NV totaling {$1100.00}. On XX/XX/XXXX my card was used once at XXXX at XXXX in XXXX NV totaling {$190.00}. XX/XX/XXXX I noticed this activity and called to dispute these to Chime. I filed the dispute and sent back the dispute form as requested. Chime cancelled the card and stated that they would mail me a new card. On XX/XX/XXXX my card was again used fraudulently at XXXX XXXX  times at exactly XXXX. I again called chime to dispute these charges and again was told that the card was off and that the disputes department would look into this and that it could take up to 90 days. At this point I spoke to a members services agent who told me that the card had been used at multiple different locations around XXXX California at the exact same minute. On XX/XX/XXXX I received and activated my new card and transferred {$1.00} into my credit builder account. On XX/XX/XXXX at exactly XXXX my old card was used XXXX times at XXXX totaling {$820.00} and another dispute was filed with Chime and same steps were taken in changing my passwords etc. On XX/XX/XXXX my old card was again used at XXXX  totaling {$66.00}. I filed yet another dispute with Chime and this dispute was resolved same day. At this point I had both my old card and my new card deactivated. No purchases should have been able to go through and a new card was being sent to me. On XX/XX/XXXX at exactly XXXX just as I was clocking out for lunch at work my first card was charged XXXX times at XXXX  totaling {$2900.00}. I reported this to chime on XX/XX/XXXX. On XX/XX/XXXX I called the dispute department to make sure they had received all documentation and additional documentation that I had including screenshots of my location at the time of every single dispute, my XXXX shopping history both in store and online and my clock in from work. All disputes were closed by XX/XX/2021 stating that my dispute was denied. I asked for more information on why a dispute was previously denied and was sent an email containing a basic printout of the transactions and the time and station ID of transactions. To me this is not proof at all. Today I received an email that my account would be closed as of XX/XX/2021. When I asked the Chime agent the reason he said that it was not listed. I do not want to be held responsible for these fraudulent charges. I have done my due diligence in reporting within a reasonable time. Changing my passwords etc in order to keep my information safe.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PHOENIX FINANCIAL would verify the debt. So I took it upon myself to ask PHOENIX FINANCIAL for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit card or prepaid card

On XX/XX/2018 I received an email notice from XXXX  that my score had dropped drastically, so I checked the site and found that my 29+ year old credit card with JCPenney had been closed by JCPenney . I submitted an email to JC Penney 's customer service which responded that it was unavailable so my inquiry was rejected. I called JC Penney customer service at XXXX. The CS agent could not find my account ; asked my address ; phone number ; etc., telling me that none of my information matched any of their records. I asked how could I have paid their bills for the last 27 years that I have been at this address, if they had not sent my bills to this address. CS agent had no answer. I further asked how they could close the account without giving me any notice or reason. The CS said they did give me notice, but would not/could not tell me when/where the notice was sent. Instead, I was then told that I had to go to a physical store with photo ID to prove who I was before they coud talk to me. That ended the conversation.

I've always paid the credit card on time, never late. I never received any notice regarding this card being closed. I want to know why, after almost 30 years of having/using a JC Penney credit card in good standing, it was closed WITHOUT any notice. This single act of closing my oldest credit card has dropped my credit score significantly.

This is happening to my over XXXX year old friends as well. We have long standing store cards that are being closed after becoming " managed '' by XXXX XXXX Those that do receive a notice are told they do not meet the lender 's criteria any longer.

I see a pattern of age discrimination because we 1 ) pay our bills so the lender doesn't get those late charges from resposible card holders and 2 ) by closing out old, long-term accounts, it drops credit ratings on the elderly so the lender can charge higher rates.

Punish people for being fiscally responsible.
Product: Debt collection

Portfolio Recovery will call this number using a program that blocks the number they are calling from up to twenty times in less than a minute. I can tell they are using some kind of robo call technology.
Product: Credit reporting or other personal consumer reports

I have not been supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exist. I have written Equifax, XXXX, and XXXX demanding all incorrect accounts be removed under the Fair Reporting Act, section 609 ( a ) ( A ).
Product: Credit reporting or other personal consumer reports

I have been trying to correct information on my credit report for almost a year now. I wrote all three bureaus and XXXX failed to respond while XXXX XXXX and Equifax disagreed.
Product: Debt collection

In 2014 my credit cards and driver license and SSN information & cell phone was stolen. I filed a police report but I lost the police report is been 2 years. They used my credit cards and accumulated total of {$30000.00} dept. I called the credit card company but they told me I have to pay the depts around {$8000.00} on each card. I been trying to get a good paying job but I have collection accounts that are not mine and the sad part I cant get hired. Please help me out I cant move on with my life. Thank you.
Product: Vehicle loan or lease

Governor XXXX has declared a state of disaster in all 254 counties in the State of Texas in response to the imminent threat of the COVID-19 pandemic. This order is issued pursuant to Section 22.0035 ( b ) of the Texas Government Code.

2. This Order supplements and does not replace or amend the earlier Emergency Orders Regarding the COVID-19 State of Disaster.

3. In any action to collect consumer debt as defined by Texas Finance Code Section 392.001 ( 2 ) : a. A writ of garnishment under Rule 658 of the Texas Rules of Civil Procedure may issue, but service of the writ of garnishment may not occur until after  XX/XX/2020 ; b. Receivers appointed under Chapter 31 of the Texas Civil Practice & Remedies Code may remain active but must not freeze any accounts at financial institutions as defined by Texas Finance Code Section 59.001 ( 5 ) while this Order remains in effect ; c. For any accounts that are currently garnished, the parties are strongly encouraged to reach an agreement on the garnishment, and courts are encouraged to aid and facilitate a quick adjudication ; d. A request for default judgment may be filed, but no hearings shall be set and the time to respond or file an answer will be tolled until XX/XX/2020; and e. No court shall dismiss a case for want of prosecution while this Order remains in effect.

4. A case covered by Paragraph 3 may nevertheless proceed if, but only if, the court determines that the facts and grounds show that the actions of the judgment defendant pose an imminent threat of fraudulently concealing or absconding with funds. 
5. This Order is effective immediately and expires XX/XX/2020except for paragraph 3 ( a ), which expires on XX/XX/2020unless extended by the Chief Justice of the Supreme Court.

Westlake Financial services are ignoring the recent declaration of emergency for the the state of Texas. I have been laid off from my XXXX XXXX at XXXX XXXX XXXX and now I am now unable to sustain my obligations at this time to pay dues. They fail to hear my cry for help and have not only threaten me and garnishing my car but also submitted a remark on my credit report. I am a mother of XXXX  and unfortunately forced to be the Sole proprietor for my XXXX  children due to fathers death I can barley put food on the table during these times. With the unemployment service being occupied due to many others loosing their jobs I am not able to obtain financial help at this time. I have yet to receive my tax return and the irs is closed for live phone call request. Now Im overly stressed because of this situation on top of what I have been facing these past days. I have not been able to sleep and focus on helping my children in complying with their education needs due to them transitioning into vertical classroom due to the Covid-19. This is truly heart breaking and it literally leaves me in an unhealthy state of mind. All I ask is for a little help but it hopeless
Product: Credit reporting or other personal consumer reports

i have tried to dispute this account on various debt reporting companies the days on this account are incorrect it was originally a XXXX  account it says it was opened XX/XX/XXXX it was originally opened XX/XX/XXXX and it is been 4 years since it was first deliquent past the ca statue of limitation for debt collecting
Product: Credit reporting or other personal consumer reports

your company is currently reporting to two credit bureaus I did not grant you authorization to review my credit report. The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. 15USC 1681b If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain the necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX AccountXXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX  XXXX XXXX Bank XXXX XXXX XXXX  XXXX Auto Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX  XXXX, has violated my rights. 

15 U.S.C 1618 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : it Alison states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

On or around XX/XX/2022, my checking account was frauded through XXXX for {$3500.00}. The action taken, called Bank of America XXXX department and filed a complaint. A few days later Bank of America replied stating that we had to go through XXXX to make a complaint because the money was taken from XXXX. We filed a complaint with XXXX department. We received a letter from Bank of America dated XX/XX/2022, stating that were unable to approve your recent claim.
Product: Credit card or prepaid card

On XX/XX/2020 I purchased a new oven from Lowes and paid an additional amount of {$160.00} for installation in case the oven did not fit and they had to cut out the space in order to fit the oven. I used our Lowes credit card for the purchase. Lowe 's indicated this amount would be refunded if not needed. When they installed it on XXXX/XXXX/2020 no " cut-outs '' were required therefore the installer indicated the amount would be refunded. I called Lowes at least 4 times to request this refund and they indicated they would address it and never did. Then I disputed the amount with the credit card company which is Synchrony bank and submitted the appropriate " Dispute Acknowledgement Form '' in XXXX of 2020. This was done on-line. To date I have had no response and followed up on XX/XX/2020, XXXX XXXX, 2020 and XXXX XXXX, 2020. I would like my refund that is due to me and a response from the financial institution.
Product: Student loan

I currently have an application on file to discharge my student loans due to misrepresentation, fraud and misleading information from my school XXXX XXXX. I filed the application in XX/XX/XXXX. Im waiting on an answer/approval. When this private loan was taken out, I was already about halfway through my schooling. I was pulled into the office and was told that if I didnt take the XXXX XXXX XXXX with an extremely high interest rate that I wouldnt be able to continue my studies. I was told there was no other option for me and the balance that was owed on tuition had to be accounted for in order for me to return. I ultimately signed for the loan because I didnt want my hard work to be for nothing. I was on the deans list. But the most upsetting thing about me having to take out federal and a private student loan at XXXX was that it was until graduation that we ( graduating class ) was told that the school isnt accredited and we wouldnt be able to transfer our credits. We were told that there were only two sister schools that might be able to transfer some of our credits to pursue a XXXX. This was a huge blow! So for years I had to be stuck with student loans for a degree that I cant even do anything with! So while I wait and hope that my federal loans get discharged due to this - I would like to see what could be done about my private loan! This was back in XXXX I believe and the loan was for about $ XXXX if I remember correctly. Ive been struggling to pay it. I was told that nothing can be done to stop payments because its a private loan and Ive exhausted whatever deferments were allowed with a private loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an account with XXXX since XX/XX/2022. I had an open account with them and paid my balance in Full in XXXXXXXX XXXX XXXX A few days later XXXX closed the account and then marked the account as a charge off and submitted it to a collection agency along with the payment I made. XXXX marked my account as a charge off with XXXX, Experian and XXXX. I have submitted letters and proof of the receipt to all 3 bureaus and XXXX showing that the status was false. XXXX has now marked the account as a charge off as of XX/XX/2022 after I made a complaint to the XXXX. I feel they are purposely reporting false information causing my credit score to decline. The credit Bureaus are also not providing documentation of their investigation. I have requested an investigation from XXXX, XXXX and Experian. None of the companies named have provided a detailed report of the investigation.
Product: Student loan

LOAN WAS REPORTED LATE ; NEVER RECEIVED BILLING AS THE COMPANY HAD AN OLD ADDRESS ON FILE.
Product: Credit reporting or other personal consumer reports

After researching my report, I discovered multiple discrepancies with how the credit reporting agencies are reporting the following accounts without my written consent and authorization in accordance to the practices outlined in the Fair Credit Reporting Act. 

As such, I would like to file a complaint that the credit reporting agency is in violation of the Codes 15USC 1681 - Section 602A, 604A section 2, 1681c ( a ) ( 5 ) and 1681s-2 ( a ) ( 1 ) in the reporting of the following accounts on my credit file : Account # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I took out an installment loan of XXXX from XXXX. After speaking with XXXX XXXX XXXX indicates XXXX explained the loan process and fees correctly to me. That is a lie and they said they have recorded information they refuse to let me hear the recording. 

They scammed me into a loan that XXXX stated was only 35 % interest but it is 101 % interest. So I made my first payment of {$480.00}. Only to find out {$0.00} went to the principle so they can pull {$41000.00} out of my pocket in 7 years is illegal. They state they are a licensed lender and exempt from the Usery Law but can take {$47000.00}?? 

They will not get {$47000.00} from me. 

I have received two letters from XXXX stating a pay off plan. To pay 13 Months of {$580.00} per month which will cause serious financial hardship. They are refusing to work with me but reporting non-payments to the credit bureaus damaging my credit rating. They are loan sharks trying to steal money from people in a get rich scheme. 

They have illegally called my work and also risking me losing my job by contacting me via XXXX from a ( XXXX ) XXXX number. They contacted me illegally on my XXXX XXXX # XXXX, and a grand total of 16 times. I have tried to report this to the FTC Sentinel Network but they have indicated it has to go through the CFPB.
Product: Mortgage

lakeview loan servicings website is not functioning properly. When I try to submit a payment it gives me an error message. However I received an email confirmation that my payment was submitted. Ive tried calling them 3 times to verify they received the payment. No one answers the phone and I cant find any other way to contact them on their website. I have not received any notification that they are experiencing problems to their website prior to trying to submit my payment. There is not communication from this company and its impossible to talk to someone that works there.