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

Took out a loan at 490 % interest because I needed the money, Paid all of the payments but had 3 that were late. Company charged me {$930.00} interest on those XXXX payments being paid late. The loan was for {$800.00} and now are refusing to eliminate the illegal interest being charged even though the loan was PAID IN FULL! This company must be stopped
Product: Credit reporting, credit repair services, or other personal consumer reports

Appeal Suntrust bank XXXX Virginia Attn XXXX va XXXX XXXX Attention suntrust bank XXXX XXXX This cfpb complaint # XXXX is not a duplicate and needs to be addressed By XXXX XXXX Of Suntrust Bank now known as truest Bank .
Product: Mortgage

In  XXXX  o f 2017, I appl ied to get my home refinanced. My house was appraised for {$130000.00} but my de bt - income ratio was too high. I paid off a sifnicant portion my debt and reapplied to refinance my house with BB & T,   XXXX   XXXX   in S C  : BB & T is  my current mortagge holder. I was told my debt income is ok but I needed to do another appraisal. They appraised my house in  XXXX     2017 and  I am told it was appraised for {$120000.00}. They denied the loan based on new appraisal. They are refusing to send me a copy of appraisal even after several requests.
Product: Credit card or prepaid card

At XXXX/XXXX/2017 American Express Travel Related Services Co., Inc. they stole from me about {$2200.00} by shutting down my prepaid cards and accounts ( Serve Card and Bluebird Card ) for no real reason and they refuse to give me my money back!!!
Product: Credit reporting or other personal consumer reports

This account was reported to collection in error and should not be showing on my credit report. Please update and remove this negative.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian due to their repeated failure to adhere to their legal responsibilities to 15 U.S. Code 1681i - Procedure in case of disputed accuracy. The consumer disputes a consumer reporting agency. The consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file by paragraph ( 5 ), before the end of the 30 days beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

I have disputed this inaccurate information with Experian multiple times, providing ample evidence to support my claims. However, Experian has consistently failed to conduct a reasonable investigation into my disputes and has continued to report inaccurate information.

This blatant disregard for their legal obligations has caused me considerable stress, anxiety, and financial hardship. I have been denied credit, faced higher interest rates, and been subjected to other adverse actions due to Experian 's negligence.

I urge the CFPB to take swift and decisive action against Experian to hold them accountable for their misconduct and to ensure that they comply with their legal responsibilities as a furnisher of information to consumer reporting agencies. 

XXXX XXXX Account XXXX Updated The item you disputed has been updated, which XXXX include an update to the disputed information. Please review your report for the details. 

XXXX Account XXXX Updated The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 

XXXX XXXX XXXX XXXX Account XXXX Updated Information on this item has been updated. Please review your report for the details. XXXX, a representative from Experian, stonewalled me and informed me that he and Experian do not remove accounts because it is not in their best interest.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for and received a personal loan from USAA last year. I was not happy at the APR of the loan, 17.74 %, and I voiced my displeasure when I was informed of the loan approval. I was told by multiple USAA representatives before I accepted the loan that I could refinance the loan to a lower APR in the future. I have since tried to refinance the loan multiple times with USAA and have been repeatedly denied. USAA states that I have too much unsecured debt from them even though the refinanced amount is less than the original loan. 

USAA does not offer an explanation as to why I am denied refinance for the loan. I have tried multiple times to speak to a physical human on this issue and there does not seem to be anyone who is able to answer the phone at USAA. I have reached out via the chat option and the computer just leads me to apply for the loan again.

There seems to be no way to lower the APR on personal loans offered by USAA despite their insistence that you can refinance personal loans to lower APR. This is deceptive and unethical advertisement. USAA claims to support veterans, yet they are blatantly lying to get money from them.
Product: Debt collection

THE COLLECTION DEBT FROM DESIGNED RECEIVEABLS SO- XXXX XXXX IS NOT MINE DEBT, AND IT VIOLATES MY HIPAA RIGHTS IF IT WERE MINE, I AHVE NOT HAD ANY ACCOUNTS WITH DESIGNED RECEIVEABLES,
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain information in my credit file. The items I dispute are highlighted and enclosed in the attached copy of the credit report I received. 

This letter is a formal complaint that you are reporting inaccurate and unverified information on my credit report. I am very distressed that you have included the below information in my credit file, which contains errors and inaccuracies : XXXXXXXX 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, and I believe this information represents fraudulent activity on my account. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to request the deletion or correction of any information in my credit report that is inaccurate, incomplete, or unverifiable. Section 611 of the FCRA states that if I notify you of a dispute, you must conduct a reasonable investigation and either verify, correct, or delete the information from my file.

Please investigate these matters and remove or correct the disputed items as soon as possible. If you fail to remove these inaccuracies, I will be forced to take further action, which may include legal proceedings.

Please send me a corrected copy of my credit report and notify anyone who has received my report in the past six months of any corrections made.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XX/XX/1994 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that Trans Union provide me with proof of the alleged payments being late with regards to XXXX XXXX  XXXX along with a detailed description of all procedures used in your process to determine complete accuracy of information being reported on my credit file. After waiting 60 days, I made a second request. It has not been 110 days and I have not received any documentation from Trans Union and the late payments are still being reported on my credit file.
Product: Vehicle loan or lease

I want you to update this account as I am never late in this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX  XXXX XXXX account # XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # 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, 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 15 USC 1681 XXXX XXXX XXXX XXXX  account # XXXX has violated my rights. 

XXXX XXXX  XXXX account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violeted my rights. 

XXXX XXXX XXXX XXXX account # XXXX has violeted my rights. 

15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 602 A section 2 : also states a consumer reporting agency connot furnish an account without my written instruction.

15 U.S.C 1681c. ( a ) 5 section states : no consumer reporting agency may make any report containing any of the following items of information, other than records of convinctions of crime which antedates the reort by more than seven years. 

5 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agengy if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On  XXXX   XXXX ,   XXXX  ,  Portfolio Recovery Associates,   LLC made a settlement offer to settle a debt. The original creditor was   XXXX   XXXX   XXXX   XXXX   and the credit card debt balance was {$5200.00}.  Portfolio Recovery Associates, LLC , the debt collection agency on behalf of   XXXX   XXXX   made an offer in writing and mailed it to me offering a savings plan that I could mak e 1 P ayment of {$4200.00} and SAVE {$1000.00}. Your account will be considered Settled in Full after your final payment is successfully posted. Your first payment must be received NO LATER than :  XXXX / XXXX /  XXXX   I mailed a check to  Portfolio Recovery Associates, LLC  for the amount of {$4200.00} along with the settlement offer and my agreement to their settlement terms. My settlement terms were that the debt for the account would be considered settled in full like they offered and there would be no future collection of the debt.     I mailed the check and agreement to their settlement terms by USPS priority and it was delivered to an individual on  XXXX   XXXX ,   XXXX  . That same day  Portfolio Recovery Associates, LLC  cashed the check. In  XXXX ,   XXXX   I observed on my credit report that there was a collection balance for the amount of {$1000.00} and the collecting agency was  Portfolio Recovery Associates, LLC . I disputed this telling my credit reporting agencies that this debt was settled and paid.  Portfolio Recovery Associates, LLC  also disputed that I owed this debt while fraudulently withholding information from the credit reporting agencies that they had offered to settle my debt. Instead, they shared credit card statements from   XXXX   XXXX    stating this debt was mine. I do not disagree this credit card debt was mine. However,  Portfolio Recovery Associates, LLC  made a settlement offer and is not closing collection accounts as settled in full on my credit report when I agreed to their terms and made a payment in the full amount requested in the time frame requested. They are illegally reporting false information on my credit report to all three credit bureaus,  XXXX ,  XXXX , and  XXXX .     I have attached copies of their written settlement offer to me, a copy of the check I sent to them, a copy of my agreement to their settlement offer, a copy of the USPS Priority shipping label, a copy of the delivery notice, a copy from my bank showing they cashed the check, a copy of their dispute, and a copy of original credit card statement.
Product: Checking or savings account

On Friday XX/XX/XXXX I attempted to withdraw {$500.00} from my checking account with Bank of America at an ATM. The transaction was declined at the ATM and my wife and I both received emails indicating " Suspicious debit card activity detected ''. The transaction appeared on my activity log in the bank mobile app but then it was reversed. The email indicated we needed to call the bank 's fraud department or restrictions would be placed on the account. Due to the length of time we were on hold to speak with a representative, I had to arrange to transfer funds to another bank acct and withdraw the funds using a different ATM card, as I needed the cash immediately, before the shop owner we planned to purchase an item from closed for the day. When we finally reached a representative, they seemed unsure why the transaction was declined but thought that " Maybe '' it was because I hadn't used the debit card for some time. I checked my records and I had used the card last on XX/XX/XXXX ( about 6 months earlier ). My complaint is that either there was no legitimate reason to suspend access to my own funds or if it was for the perceived inactivity of the ATM card, I was never notified or warned that a suspension was pending.
Product: Debt collection

At XXXX XXXX  my car was getting repo. I asked for all license info I was ignored. Then was told there was nothing I could do to stop him. It took XXXX to hook up my car once the back tires were lifted he dragged my car with the brakes on, causing a issue registered in my app. Its been XXXX hrs and have not been notified about a court order or seisure or my property. My car has been entered and moved a number of times while being stored
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV FUNDING LLC added a derogatory mark on my credit report per XXXX XXXX stating that I owe a current account balance of {$1100.00}. That is incorrect because that is not my account. The Debtors creditor did not verify this collection. Also, there was NO written form of communication, contact, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anyone can send a bill and claim its mine. According to the FCRA, LVNV FUNDING LLC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

These account is reporting have different dates under date of last payment or showing a past due balance on a closed and open account. Stop reporting this due to FCRA noncompliance of an accurate data being furnished on my consumer reports. These also states it was in XXXX and XXXX when this was opened and closes this is over 7 years ago. To old to be showing on my credit report and should be removed from all credit reporting bureaus already
Product: Debt collection

Living in XXXX and moving to XXXX I cancelled my XXXX account and paid my final bill at the end of XX/XX/XXXX and returned all of my equipment back to XXXX right before and around the third week of XX/XX/XXXX. In XX/XX/XXXX XXXX contacted me to say they were missing some of my equipment. I told them I returned it all and they finally found it all because then in early XX/XX/XXXX XXXX was no longer looking for the equipment they said I never returned but now I owed them another XXXX somehow. The bill was sent to my new address in XXXX and done so two months after I had cancelled this account, returned all equipment and paid my final bill. This billing statement was from XXXX and not a debt collection firm dated on XX/XX/XXXX. Throughout XXXX I have been calling XXXX to ask them what this additional monies owed is for as the billing statement provides no information other than an amount of XXXXXXXX owed. I asked XXXX on XX/XX/XXXX and XX/XX/XXXX to send me my full billing statement so I can understand fully what is being charged and why and instead I was literally sent to collections on XX/XX/XXXX and was called today XX/XX/XXXX by XXXX Account XXXX about this bill for XXXX that I had paid on XX/XX/XXXX. So, even though XXXX has not has not send me a full account and billing statements I paid this disputed outstanding amount on XX/XX/XXXX the same exact day XXXX sent me to this collections agency. XXXX did not answer any questions, were deceptive, provided statements with no information explaining the bill owed and then sent this account for XXXX to collections ON THE SAME DAY I PAID DIRECTLY WITH XXXX. I have great credit and have " Y '' on everything single line item for decades yet XXXX is using deceptive and dishonest business practices, giving undue stress to customers while not substantiating the bill / monies supposedly owed. XXXX has been a horrible company to deal with and similar things have happened to other friends of ours where XXXX plays these deceptive and dishonest business practices.
Product: Vehicle loan or lease

The car is priced at 2.5 times the amount that the car is actually worth. Predatory loans and usury. The apt is 17.8 % have had the car for 6 mos on a 4 year loan and the car already has transmission issues that have been ignored and not getting a response from them to fix it when I was only 2 mos into the loan. Car payment is {$250.00} BIWEEKLY. I now have a newborn and they would not give me a grace period while I was on unpaid maternity leave. Stating that they would repo the vehicle after I was 1 say late on the payment due to personal financial hardship. The car is almost inoperable. They priced the car at {$17000.00} + and at the end of my loan I would be paying {$26000.00} + for a XXXX XXXX XXXX that is have transmission problems that I wont make it to the end of my loan without the car completely breaking down. The service/sales department stated over the phone ( when I was 2 mos into the loan ) that I would have to pay for hourly labor and parts for the transmission but would not fix it for free, although the transmission issues were happening within the first 30 days of the purchase. I am now not getting a response at all about this matter from the head of the service dept through text. I purchased the car on XX/XX/XXXX.
Product: Debt collection

Midland Credit Management has been taking a payment plan from me for over a year and then stopped but didn't notify me. They then contacted my employer after being told not to do that and after I was making payments. I then paid off this debt online last week and followed up with a call to confirm payment. Today, I can no longer log into my account and after they confirmed they received my payment, it has not been withdrawn from my account and it is not paid. They do not want this paid off clearly. I want to pay this debt and want it reported to the credit agencies. It's not this hard. I have the funds but they aren't taking my money! This company has been horrible to deal with and seems to run on tricks instead of help. How hard should it be to pay off a debt? Not this hard. I've spent hours trying to pay this off. There has been no payment confirmation or anything. Please help!!
Product: Debt collection

I have no idea who Receivable Performance Management is or  who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Receivable Performance Management is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 
2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Receivable Performance Management as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ XXXX XXXX } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to Receivable Performance Management, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Credit card or prepaid card

When I received my XXXX credit card statement the balance due was {$120.00}. I elected to use my XXXX Rewards of {$130.00} to make the payment for the month of XXXX which was due XX/XX/2019. This should have left a credit of {$5.00}. 

I received my statement for XXXX that showed a credit of {$130.00} posted on XX/XX/2019 which left my account balance of XXXX ( XXXX ) dollars, it also showed a late payment fee of {$25.00}. 

My question is how can there be a late payment fee when the account was reconciled by the due date with a XXXX balance?
Product: Debt or credit management

I signed up with this company under the guise of {$150.00} per month would take care of all services, I was informed I would still need to get XXXX XXXX so they could pull my reports monthly. I explained to the representative that my income was set and I really could not afford it but they did not care.