23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ the vehicle I had co signed to financed was involved in a car wreck. The person at fault had XXXX XXXX for insurance. I contacted them within days of the wreck. They deemed the car a total loss. XXXX XXXX emailed that they would send me a check so that I could pay off the car to the lender ( Exeter finance ). Some weeks went by and when I contacted XXXX XXXX they said that they paid XXXX to Exeter finance in XX/XX/ instead of sending me the check. That left a {$400.00} balance to pay off the car. So in XX/XX/ I contacted Gap ( XXXX XXXX ) to move forward with getting the rest of the car paid off. During this entire process I was contact with my lender Exeter finance. They confirmed that they had received the XXXX check in XX/XX/ and I let them know that XXXX  said they would pay the remaining balance of the {$400.00}. It may have been a little more. However Exeter finance put a charge off on my account at the end of XX/XX/. They were given XXXX in XXXX. When I spoke to a manager at Exeter finance in XXXX concerning the charge off they said I should of paid out of pocket. The check from the Insurance was mailed to them instead of me. I had no controller over that. I should have not gotten a charge off at the end of XXXX. I worked really hard to to stay in contact with XXXX XXXX and XXXX XXXX to make sure that they received their money to get the car paid off. This charge off should be removed. I did not neglect to pay. Again {$8000.00} was paid in XX/XX/ and only a small amount was left to pay on my XXXX XXXX XXXX. Please remove this charge off. I did sent letters to the credit bereus but nothing was done
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXXXXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX XXXX to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I demand the late payment reported in ( MONTHS REPORTING LATE ) 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 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: Credit reporting or other personal consumer reports

I have reviewed my credit report and notice accounts that I am not liable for the debt and do not have contracts with these credit agencies. 

XXXX. XXXX. XXXX, XXXX {$500.00}
Product: Credit card or prepaid card

On XX/XX/15, I purchased an XXXX  reservation on my US Bank XXXX XXXX card, which I intended to use my Real-Time Rewards to cover. I had a sufficient amount of XXXX Points in my account, but I did not receive a text message. I spoke to a customer service agent who agreed the points should have been applied and sent an appeal. 

I called back and spoke to the supervisor XXXX, employee # XXXX, who informed me that the redemption was declined because the minimum amount for redeeming lodging is {$500.00}. The supervisor was unable to identify where this minimum requirement is specified online, as it does not appear in the credit card 's Terms and Conditions online. 

Eventually, I found the terms on the rewards page under " Program Rules ''. However, this page is only accessible when logged into a U.S. Bank account. When this page is accessed from a new browser, it displays " Access Denied. '' This requirement is not published anywhere when applying for the card. If I had known this requirement before applying for the XXXX XXXX, I would never have applied for the card. I am now stuck with a {$400.00} annual fee and a hard pull on my credit reports while US Bank lied about the utility of the XXXX system publicly. U.S. Bank is tricking consumers about the value of their credit card and gaining an unfair advantage in the competitive credit card market at consumers ' expense. This is not only wholly unacceptable, it is illegal under the Lanham Act, 15 U.S.C. 1125 ( a ).
Product: Credit card or prepaid card

Fraudulent accounts opened American Express opened on XX/XX/XXXX in amount of {$34000.00} American Express opened on XX/XX/XXXX in amount of {$2000.00} XXXX DBA Mr XXXX opened on XX/XX/XXXX has a {$0.00} balance. 

XXXX Bank opened on XX/XX/XXXX has a {$0.00} balance.
Product: Bank account or service

I have a Bank of America money network account. I used my card at the ATM to deposit {$360.00} and it did not deposit the money. I called the Bank and told them the problem. They told me to fax over a dispute paper. I faxed it over and they told me that it would take up to ten business days. I sent it in on XX/XX/XXXX and it is now XX/XX/XXXX. I still have not received my money and now they are telling me to resubmit the dispute form and wait another possible ten days.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXXXX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit card

The Company XXXX XXXX on XX/XX/year>, I received multiple calls even after asking them to stop calling me 6 times a day demanding me to pay them off in full. 
They made calls saying they would come to my home. work place and have me arrest and served with legal court documents. I have XXXX. 
I could not any longer stand on concrete inside the # XXXX store and was wrongfully XXXX without any resource. 

it's illegal to harass customers with XXXX calls daily. Please Completely stop harassing me as I can NOT pay you {$600.00} I do not have. Let Me XXXX in PEACE & please stop treating me. I do not own ANYTHING & I am Homeless. 
I will DIED real Soon. You can't get something from a XXXX dead Person your company terminated and made it impossible so make payments. 
I am a XXXX XXXX, who your company used for your own Fame, once I became useless to your company you terminated me without any remote concerning my health.
Product: Payday loan

Today this afternoon I received a voicemail from XXXX the guy stated that there was a lawsuit filed against me and to please call XXXX an the case number which included the last XXXX of my ss #. I called and a nice girl answers the phone and she knew my full name, last XXXX of my SS #. She then stated it was from a pay day loan XX/XX/XXXX for {$300.00} from 5/3 bank and XXXX XXXX. She says but now because of court fees and interest you owe {$1900.00}, I told her I do n't owe anything and if so everything was included in the bankruptcy. She said hold on let me check your bankruptcy, she said XX/XX/XXXX?, I said yes, she said sorry that was n't included in the bankruptcy. I told her well I believe so. She said that is a loan that did n't involve a credit check and was not reported to your credit report.I said ok and how much to settle and she said I would have to place you on hold and find out if the paralegal will allow this as they do want to take you to court. She then said you can settle today for {$710.00}. I said email me a copy off the charge I am being sued for, she said unfortunately I ca n't do that because we did that before and then someone changed it and put paid and when we took them to court we could n't do anything because it stated it was paid in full. Therefore you will be provided a copy when you fulfill the debt. She asked me for a credit card or debit card and I said I do n't have one and she said well I will give you until Monday to get a reloadable card. If you do not call back and fulfill this we will file this at your local county clerks office. So she said you are on a recorded call. I was so shocked and especially that they had perfect XXXX, not the typical XXXX accent. I guess they know now we are on them. So I of course started to XXXX the phone numbers and XXXX XXXX and I could n't find anything. I even XXXX 5/3 bank and who was their pay day loan company, still nothing. I then XXXX the XXXX area code and came up a few sites where people were talking about the scams they had experienced which were the same or similar to mine. I am so glad I found this site because I was like Monday I am calling my Paralegal and I am calling 5/3 bank and see if they are associated with XXXX XXXX. Then I told my husband about the call I received today and he said oh I received a call from that number today, but did n't answer the phone. The kept calling and they knew my name I was working and told them I was busy and I hung up. He was like that is a major scam no one that sues you or is attempting to sue calls you. You basically get served the papers. It so disgusts me what this world has come to. I hope they get these crooks ASAP.. They should be put to prison, sued, etc ... Leave innocent people alone ...
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies / credit bureaus and banks are reporting fraudulent inquiries, transactions and inaccurately debt which has left me with a disability  to obtain lines ( s ) credit ( s ).

The doctrine of privity contract ( s ) is a common law principle which provides that a contract can not confer rights or impose obligations upon any person who is not a party to the contract. The premise is that only parties to contracts should be able to sue to enforce their rights or claim damages as such. XXXX XXXX : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON XXXX XXXX XXXX XXXX CONTRACT, FOR DETERMINATION 'UNCONSCIONABLE CONTRACT ' AND AGREEMENT FOR COMMERCIAL DISCHARGE,
Product: Credit card or prepaid card

I purchased a product that was advertised on XXXX. It showed a hand held battery operated hand drill to dig holes to plant flowers or vegetables. When I received it there was only this small drill bit in the package. It was from XXXX. I contacted PayPal to ask for a refund. They sent me information to mail the merchandise back to XXXX with electronic tracking. There is no electronic shipping out of the country for less than {$60.00}. The product was {$30.00}. Since sending it back is not an option I feel my only option is to place a complaint since PayPal won't return my money. I should be protected against scammers. The company misrepresented the product. PayPal should be responsible to their clients. I was set to send it before the XXXX of XXXX like requested but needing the electronic tracking finding out that it isnt even feasible to spend {$30.00} extra dollars to get {$30.00} back is ludicrous. I want my money refunded. The company who misrepresented their product is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, No. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX noted an amount from Capital One that they are demanding payment. I sent a letter requesting verification ( XXXX  ) and got back several Capital One statements in the mail. 

I see problems with these statements : 1. The {$40.00} fee is waived for a period that was not for the period noted 2. The APR interest rate changed three times and I did not receive a reason from the Capital One for changing ( raising ) the APR ( making it more difficult to pay back ). 
3. I feel Capital One purposely made the account more difficult to pay back with the additional fees when they proved they can waive them and the changes in the APR interest without proper paper mailed with notification required by the FDCA. 
4. I feel these amounts should be adjusted and the last months that Capital One was changing rates without USPS mailed notification should be removed from the debt collection process. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/2019 at XXXX XXXX  I called XXXX XXXX, to double check that my student loans are still in deferment, and would remain for the spring 2019 school year. I advised the agent, that I will be attending school full time spring of 2019. He advised me that my deferment ends in XXXX, and that my first payment will be due XX/XX/XXXX. He stated I only have 48 months available of deferment, I asked how could a payment be due while i'm enrolled full time in school. I asked, how much will the payment in XXXX be. He stated we don't know, and can't view that due to my account showing zero due, and currently being in deferment. I pulled up my account online on XX/XX/2019, for both of my student loans, and it show 's that my next payment isn't due until XX/XX/XXXX. Last time I checked In-school deferment is unlimited, as long as you are enrolled at least half time. Which I currently am. Why would my loan company tell me otherwise?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in multiple letters and ftc reports they keep telling me to resend in making up things on why it didn't go through but I sent it in through fax and mail
Product: Debt collection

I have called the ER billing ( XXXX XXXX XXXX XXXX ) to get the number for the collection agency. The numbers i was given. XXXX and XXXX, are non working numbers. The ER billing tells me that they dont know that collection agency it must be from the Doctor. I have no clue who the doctor is or even the patient. There is NO information on my credit report other then its a collection. All my children have XXXX  XXXX. With that being said. I worked in medical billing for 7 years. It is against the law to bill a medicaid patient a balance not paid by medicaid. That balance is to be written off!!!
Product: Credit card

I took a cruise on XX/XX/2023 on XXXX XXXX  on the XXXX I purchase XXXX Art paintings on the ship Within XXXX hours of purchasing the paintings I decided to cancel because the paintings was for my son and he decided he didnt want it cause he lived at the beach and it wouldnt suit this home I opened a Credit Card and he told me its XXXX  months interest free which is only XXXX  months He Also said the paintings were not in the system yet so I had to call and it wont be a problem to cancel. Well they are not open XXXX hours like he told me I called back Monday and they gave me the runaround saying I wont be able to return the painting and I had to pay a Restocking fee of 15 % the paintings were {$8600.00} After talking to several people in the company practically every day XXXX XXXX XXXX XXXX and Team Leader XXXX XXXX and Team Customer Service XXXX and also sending emails back and forth they refunded XXXX paintings and decided to charge me XXXX painting and the amount they billed me was different from the invoice The Credit Card I opened was supposed to be activated and I never activate the Card but yet I received the bill I received the statement and they charged me for the painting which is different from the invoice and {$650.00} for a XXXX  credit Why do they think I would buy any painting from them when I cant even resolve this situation I would like this resolved and I would never do business with them ever I cruise a lot and this leaves me a very bad feeling about this company I also email XXXX XXXX Complain about XXXX XXXX XXXX on the ship This has been going on from XX/XX/XXXX to today XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the onset of covid our mail has been delayed or not received from the credit company. It started in late XXXX when I didn't receive at least 2 statements. When we did get one we made the payment in XXXX of XXXX. We did not get another one until late XX/XX/XXXX and we paid a payment in XX/XX/XXXX and the company had already closed the account in XX/XX/XXXX. 
I made several calls about us not getting our mail but that did nothing as we still have not received a statement. In XX/XX/XXXX i called because i saw they kept showing us will 30 days late on my credit report at which time i made another payment. I filed a dispute in XXXX and they say they sent me the letter on XX/XX/XXXX but to this day i still have not received it by mail but i did make another payment in XXXX while on the phone with them. I called in again in XXXX and a rep listened to my complaint and she told me that she understood and would send over a letter to have the negative entries removed. I talked with a rep from experian to see i they had the letter and he told me no but i could call the credit card company back and get a copy of the letter.I called XXXX back again as i had not seen any change on my credit report and was curious if they had sent the letter. The first supervisor said yes she had seen where the rep sent the letter. The second time i called i talked to another supervisor and she said the same thing. i asked if i could get a copy of the letter and she sent it to me electronically but it did not state what the rep told me what she was going to send. It just said that XXXX  had investigated and it was not in my Favor. I have had 3 accounts with these people dating back from XXXX to XXXX and never a late payment, a second account from XXXX to XXXX with never a late payment and this account from XXXX and Covid hits and i don't get my statements and yet they just keep hitting my credit report for missed payments. 
It is now XXXX and i still have not received one letter or one statement from them. I find it hard to believe you can have that good of a credit history with them and when something goes wrong they will not help. So know i am asking if you can help
Product: Consumer Loan

Recently I acquired a Kay Credit Card. I set up auto pay. It all went smoothly except what would have been the last payment, on their system, archaic, did not process what should have been my last payment. I had set up the payment system to pay off in a certain period, so the payment was more the minimum payment. My payment was set for {$150.00}. The last payment came to {$88.00}, so my set auto payment of {$150.00} was in excess. So instead of the system being smart enough to apply an if-then situation as such as IF greater than {$150.00} is owed, only pay {$150.00}, it handled well. But in this case, it should have been IF what is owed is less than the scheduled payment, then only apply what is owed, in this case {$88.00}. So what happens is I think I 'm all set I have auto payments set up so no way am I going to miss a payment. However much to my dismay, no payment is taken even though I have authorized and requested for a payment to be taken, thus making my payment late. The call center does not identify as Kay Jewelers, it actually sounds like a spam call. it states " Your jeweler is calling you '', I 'm thinking I did n't contact a jeweler this is a spam call. It should say Kay Jewelers is calling you because of a credit card issue. It needs to be clear. If I had not thought to look up the phone number after the second call, my account would have went in to default, when it should have been paid off in full. To me this is very dishonest practice, it enables this company to be able to charge me a late fee and increase my interest rate. If they report this late payment to my credit, then I get a ding on my credit report, all because they have a system set up that is incapable of processing a last payment amount that is less than an auto payment. To me this is an illegal process that is trying to cause me to incur more fees. I set up my auto pay to run until the account was paid off and it should have done that.
Product: Credit reporting

TRANSUNION is reporting XXXX on my credit report this is not mine
Product: Mortgage

My loan was recently transferred to Shellpoint Mortgage ( NewRez LLC ). The company website has been incredibly confusing and unhelpful, making it nearly impossible to see how much is owed, and how much has been paid. It is also impossible to make one-time payments for less than the full amount due without calling the help-line. 

I also tried setting up bi-weekly payments, but these continually get cancelled. When my loan was transferred, I was notified that no changes would be required and all my previous pay settings would be applied, but this was not the case, and I have risked late fees because Shellpoint has been unable to set up payments for every XXXX and XXXX of the month.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAVY FEDERAL CR UNION Date opened XX/XX/2019 Amount {$22000.00}
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

national credit systems # 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 has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.