23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

American Express promised that they would give me an explanation on how they came to their interest total, and yet they did n't tell the truth and sent a letter that just explained they were correct and that I 'm supposed to look at the Cardmember Agreement. They actually stated to me that they 'd provide me with a detailed account on a daily basis as to how they got {$53.00}. This letter is exactly what I had asked them not to send. I 'm frustrated with this bank and they should be absolutely investigated for racketeering. Here 's the breakdown of my calculations. The cycle in question was between XX/XX/XXXX and  XX/XX/XXXX. The Purchase Balance is in a promotional state until late XX/XX/XXXX, so 0 % interest is applied until then, so that wo n't be listed. The Cash Advances Balance has a 26.24 % APR which comes to a .0719 % Daily Periodic Rate. The Balance at the beginning of the cycle for Cash Advances was {$2300.00}. On XX/XX/XXXX, a total payment was made in the amount of {$350.00}. The minimum payment due was {$210.00}. {$210.00} SHOULD HAVE gone to the Purchases Balance where a remaining {$140.00} should have gone to the Cash Advances Balance. As of XX/XX/XXXX, the Cash Advances Balance ( as a result of the payment ) became {$2200.00}. {$270.00} was the total Cash Advances Transaction amount for XX/XX/XXXX, a day later. The balance now became {$2400.00} for Cash Advances. On XX/XX/XXXX, the total Cash Advances Balance became {$2500.00} as a result of a Cash Advances Transaction total of {$25.00}. So, you have ... Cash Advances Balance from XX/XX/XXXX-XX/XX/XXXX : {$2300.00} for 8 days Cash Advances Balance on XX/XX/XXXX : {$2200.00} for 1 day Cash Advances Balance from XX/XX/XXXX-XX/XX/XXXX : {$2400.00} for 2 days Cash Advances Balance from XX/XX/XXXX-XX/XX/XXXX : {$2500.00} for 19 days You add these balances up to get a sum of {$73000.00}. Divide that sum by the number of days in the cycle ( 30 ) to get an Average Daily Balance for Cash Advances of {$2400.00}. Take the Average Daily Balance {$2400.00} multiplied by the APR ( 26.24 % ) to get {$640.00}. Divide {$640.00} by 365 ( days per year ) to get a daily interest charge of {$1.00}. Multiply {$1.00} by the number of days in the cycle ( 30 ), to get a total  interest charge of {$53.00}. Their interest total was {$53.00}, a XXXX cent overcharge.
Product: Bank account or service

Regions bank in error ordered checks for my account and then charged my account {$30.00}. This caused a NSF fee on my account. After calling three days I got the {$30.00} fee refund but not the {$36.00} NSF. They also tell me my address is not correct even though I receive statements and mail. I have never moved addresses. I believe regions bank has compromised the security of my account by allowing checks to be ordered on my account without my permission and also for the address on my account to be changed in error and without my authorization.
Product: Debt collection

WestLake Portfolio Management reported to all XXXX Credit bureaus that I had a debt with them but the accounts have since been closed due to me disputing but they wont remove them
Product: Payday loan, title loan, personal loan, or advance loan

I took a loan on XX/XX/year> using Uplift to pay XXXX XXXX. In the amount of {$2200.00} I have payments with no problem until XX/XX/year>. My regular payments are {$160.00} using my bank account. I also noticed that they charge ridiculously amount of interest if you use their option to delay payment. I also noticed the terms and condition along with their operations maybe in violation of the law. 
My issue for filing this complaint today XX/XX/year> is a payment issue. A double payment was made on XX/XX/year>, Friday for {$160.00}. I called my bank and Uplift/ XXXX XXXX. I was informed by a Uplift agent that is was there app error that has been down for a few months or glitch. They noted this in their system and told me I would be refunded. I kept calling and emailing them. I called last week several times and they told me they had to wait until the payment posted or cleared the bank first to refund. A week later the payment was cleared but no refund for the double payment. I filed a dispute with my XXXX XXXXXXXX. I received a text message alert on XX/XX/year> Saturday saying payment failure and when i logged into my account on the browser website I noticed the double charge or {$160.00} was gone, likely due to my bank dispute. I called this morning / today on XX/XX/year> and spoke to an agent about the refund for the double charge. Instead of complying with my request the lady agent refunded my current payment for the amount which is {$160.00}. I told her this was incorrect and almost immediately my account turned red saying past due {$160.00}. The agent wasn't well trained and made several mistakes. The phone called disconnected. I called back and male agent answer my call. He saw what happened and was noted in the system. He told me he couldn't stop the actions of the last agent and couldn't get the refund for my regular payment to stop but TOLD ME SINCE MY ACCOUNT IS NOW PAST DUE YOU CAN MAKE ANOTHER PAYMENT! Seems illegal. I would like billing issues fixed and refund. I can't even use my current bank account to make any payments on their website being blocked.
Product: Debt collection

there is a collection with Experian. That I have no signature or id or nothing that invole I approve this in I want it off my credit report I disputed XX/XX/2019 of the amount of {$38000.00} they did not give me no feed back when I wrote them or called so please help because this is something affecting me that I have no signatures with ... ..
Product: Vehicle loan or lease

I purchased XXXX XXXX XXXX XXXX from XXXX in XXXX RI. They financed through Toyota Motor Credit. I paid off loan early @ XX/XX/XXXX. I received title but they did NOT send me clean title - title still shows lienholder of XXXX. I have financed many vehicles in my lifetime and have ALWAYS been provided with clean title. XXXX is having me go to State DMV to have me obtain and pay for a clean title. Didnt I already pay for this service when I financed through XXXX? I have contacted TMC and voiced my displeasure and told them I would be contacting your office. I would appreciate any assistance you can provide in having them provide me with a clean title. Thank you.
Product: Credit card or prepaid card

When making a reservation at a XXXX XXXX the Summary of Charges page listed the cost of the room and then indicated that if I applied for a Chase XXXX XXXX Card I would receive a {$200.00} statement credit after my 1st purchase. I reserved the room but no link for the credit card appeared. This was on XX/XX/XXXX. That day and over the next week I made multiple phone calls about the offer and was directed to Chase by the XXXX people and then to XXXX by Chase people. Finally on about XX/XX/XXXX I got a gentleman from Chase on the phone. I had printed out the summary page for my records and I photographed it and sent it to him. He then advised me to cancel the reservation and then to remake it which I did. He then took me step by step through the application process but it came up for the one that requires you to spend {$5000.00} and get miles. The one that had gotten me to apply had the {$200.00} statement credit & waived the {$95.00} fee for one year. When I mentioned this to him again ( I had led with this when he first picked up ) he stated that once I had applied and was approved he would go in ( to the computer I assume ) and get the offer I was referring to. I of course wasn't wild about that as I noted that it would be a week or so before I was notified by mail and he advised that was correct but that he could go in right away to check. As my credit score is between 805 & 815 depending on the agency I foresaw no problems and was shocked when he got back on and advised I had been turned down for the card. As obviously if there was no card there was no offer I thanked him and waited quite curiously for notification of why I was turned down. Lo and behold, last week I got the card in the mail, obviously I was not turned down. I made sure I would qualify for the offer I had for the card that day or the day after by making a small charge and called Chase the next day and again told them the exact story I am relating to you and offered to send them the pix of the Summary Page that I had previously sent to their phone employee. They declined, and after speaking to a supv they refused to honor the offer insisting instead on the {$5000.00} charge for miles which I had no interest in. Then lo and behold I received a bill almost immediately for the $ 50+ purchase I had made and Chase had added on the XXXX XXXX XXXXearly charge which of course was waived under the offer that lured me in. I again called and again Chase refused to honor their original offer insisting I applied for the other offer which I have to admit is technically true as I did so under the guidance of their employee who was supposedly going to rectify the situation but instead falsely claimed my application had been denied. This is where we presently stand. As far as I am concerned this is a classic case of bait & switch. Personally I don't need the card as I have more credit than I actually need but at this point I haven't told them to cancel the account as it has become a matter of principal that I be given the original offer.
Product: Credit reporting or other personal consumer reports

WHAT IS WRONG WITH EQUIFAX, I PUT IN A 4TH DISPUTE FOR REINVESTIGATION ON XX/XX/XXXX WITH EQUIFAX MY CLAIM # XXXX CFPB AND THE 30 DAYS HAS PAST TODAY IS XX/XX/XXXX I SENT THEM THE CONSUMER FILE FROM XXXX XXXX THAT THIER IS NO BANKRUPTCY IN MY FILE. I SENT ID AND SS CARD PROVIDING MY IDENTITY AND THEY IS STALLING MY REQUEST I SENT PROOF OF MY XXXX AND MY XXXX THEIR IS NO BANKRUPTCY. THE 30 DAYS HAS PAST AND BY LAW THEY MUST RESPOND WITH IN 30 DAYS OR DELETE IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter of Complaint : Refuse to Validate Debt Beginning in XXXX, Ive disputed the debt with the major credit bureaus, as well as XXXX XXXX. I requested proof of validation. So far, none of them have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, XXXX XXXX, XXXX, or Experian has not responded, or updated the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. XXXX XXXX with XXXX XXXX, XXXX, and Experian claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the XXXX XXXX XXXX to input codes is not sufficient verification.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Dispute of Inaccurate Late Payment Reporting on Credit Report Dear CFPB I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Experian for my account with XXXX. These late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts, including this account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, under the FCRA, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2 mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively, which provides for damages, including actual damages, attorneys fees, and possible punitive damages for failure to comply with the Acts requirements. 

Summary of the XXXX account errors Incorrect Late Payments : All bureaus report a XXXX late payment, despite on-time autopay setup. 
Inconsistent Account Status : Account is marked " Paid '' but shows late payments, which is contradictory.

Varying Reporting Dates : Each bureau lists a different " Last Reported '' date. 
Credit Limit Discrepancy : XXXX and Experian report a {$250.00} limit, while XXXX inaccurately shows {$0.00}. 
These errors violate FCRA standards, and corrections are needed for accurate reporting. 
Requested Resolution : I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 

Thank you for your immediate attention to this matter. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : DEPT OF EDUCATION/XXXX XXXXXXXX, DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, and XXXX XXXXXXXX XXXX XXXX.
Product: Mortgage

I have a home loan with PennyMac. Below are the details of the company XXXX. XXXX XXXX XXXX XXXX, CA XXXX Web : XXXX XXXX XXXX : ( XXXX ) XXXX Settlement Claim Checks : ( XXXX ) XXXX Customer Service : ( XXXX ) XXXX I have two issues to report regarding how PennyMac processes my payments. 

I have tried to make additional payments to principal reduction couple of times in last few months. This is apart from my original biweekly payments, which I have been making on time. PennyMac sometimes will move my principal reduction payment to suspense account and will apply along with normal biweekly ( which actually is monthly as they combine two biweekly and apply monthly ) cycle. This way they are not giving me benefit which I should receive by making principal reduction earlier on the day of settle date of payment. Their reasoning is, sometimes my principal reduction payments falls too close to biweekly payment date and their system gets confused. But I have specifically selected principal reduction on their website for these extra payments. Every time principal reduction payment gets stuck in suspense account, I have find out and send email to them and they keep giving same reason for delayed application of principal reduction payment. I feel they are doing this purposely to delay my principal reduction payments. 

PennyMac usually puts my first biweekly payment into suspense account and after receiving second biweekly payment it applies the total to the principal and interest. I am not sure this practice is valid. I was expecting them to apply each biweekly payment directly as it is received, so my principal gets reduced for every biweekly payment.
Product: Checking or savings account

On XX/XX/XXXX I received an email from chase bank in response for a new debit card. I called chase bank customer Sevice and advised them that I received such an email and chase bank ask me to go personally to the branch to report any fraud. On that same day I went to XXXX branch of chase and spoke to an employee named XXXX and he let me spoke to fraud Dept and just advise me to forward the email to XXXX and stated I dont have to do anything. 
On XX/XX/XXXX when I checked my balance my two accounts both checking and saving account was withdrawn in the amount of XXXX XXXX from checking and XXXX from savings Acct. I called chase bank as soon as I found out and filed a dispute about the incident. 
On XX/XX/XXXX I also went to XXXX chase branch to complain and informed them that there were two withdrawals and we found out that transactions were occurred at XXXX XXXX XXXX XXXX, XXXX, nj. On that day The funds were returned temporarily. 
On XX/XX/XXXX I received a letter from chase indicating that the funds thats were returned has been reversed and that chase bank claimed that the withdrawals were made with a chipped card and the return would not be honored. I called the claim dept about this matter but unfortunately they just told me that the card will be impossible to be tampered since its a chip to chip basis. 
On XX/XX/XXXX, I decided to go to the police station and report the incident because my Savings account turned all into negative. 
On XX/XX/XXXX, I recieved a final report from the assigned detective for my case and he exhibited a report based from the video surveillance as an evidence that it was not me who withdrawn the money. I sent The report to chase claim department on that same day but unfortunately the case was still denied and did not honor the report. At this time chase bank has been charging me of XXXX dollars fee for not maintaining the balance and on top of this my checking and savings account are currently negative. 
I am sending this letter to your office to let you know and asking for help since I am a victim of this criminal case and that chase bank has never honored all my evidence since I had received the email despite all the eveidence I had provided. I do believe that my case was not investigated in thouroughly and in a fair manner. Chase bank should have the reponsibility to protect Their consumers. I do believe this is negligence on the part of chase bank by giving my information to this thief without asking proper identification and without giving me proper notifications. 
I am asking for your assistance in this matter and I am hoping that I will have justice in this case. 
Thank you and have a blessed new year Sincerely yours XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was sending money to a Medical Doctor Office for payment on services. I thought I could use remitly instead of going to my bank. Upon sending the deposit on XX/XX/XXXX I received a email from the doctors offices stating that my deposit was rejected because I did not send payment in the form of a wire transfer. I was advised from the doctor office to cancel the payment through remitly which I did immediately upon finding out that that form of payment was not accepted. Unknown to my knowledge remitly flag my account with them as fraud suspicious activities. I requested for them to refund my money because the Doctor cant use Remit as any form of payment and it must be provided through wire transfer through my bank. Remitly answer was for me to dispute it through my bank to get my funds back. I dispute it through my bank and remitly send them the response of that the transaction was completed and no refund will be issued. I then once again provided email and correspondence from the party I was sending funds to that explained remitly CAN NOT BE USED. Remitly is now refusing to refund my money until after 90 days
Product: Credit card or prepaid card

My payment was due on XXXX. It had been mailed a week in advance. On XXXX Wells Fargo emailed me and said a payment had not been received as of the due date. I assumed my payment was lost in the mail, so I immediately did a bank transfer. The next day the Wells Fargo web site shows my original payment had been credited on XXXX, the day before the email had been sent. My second payment was credited the day it was sent on XXXX. Now Wells Fargo is telling me it will be returned in 11 business days. 1 ) Why was the email ever sent on the fifth if payment was received and credited on the 4th? I am not their only customer, so how many others did what I did? 2 ) Why does it take 11 business days for Wells Fargo to return an erroneously solicited second payment when it takes me less than two minutes? This is ridiculous. The program could easily and simply check to see if a payment has been made just before an email is sent, not the day before, and Wells Fargo can certainly schedule a just refund as quickly as I can. Wells Fargo still has not learned anything about customer value.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I noticed that every time I deposit money into my account Im always broke this doesnt make any sense I know theres a problem with this bank
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX VIOLATED MY PRIVACY BY SELLING MY INFORMATION TO EXPERIAN, XXXX, AND XXXX. CLEARLY AND CONSPICOUSLY ON MY CREDIT REPORT IS A CLOSED ACCOUNTS STATING THE INFORMATION WAS CHARGED OFF. I NEVER AUTHORIZED SUCH TRANSACTION TO TAKE PLACE AND IT SHOULD BE EXCLUDED FROM MY CREDIT REPORT. THE TRANSFER OF MY INFORMATION IN REGARD TO THE SSN IS IDENTITY THEFT. JUST BECAUSE XXXX XXXX BOUGHT THE DEBT IT DOES NOT MAKE ME LIABLE FOR THE ALLEGED DEBT OBLIGATION. THIS IS NOT A REQUEST FOR ANOTHER INVESTIGATION THIS IS A DEMAND FOR DELETION OF THE FRAUDULENT ACCOUNT. FURTHEMORE IF REPORTING AGENCIES COULD NOT PROVIDE DOCUMENTATION SUCH AS CONTRACT OF OBLIGATION TO PAY ALLEGED DEBT AND MY AUTHORIZATION TO REPORT AND SHARE SUCH INFORMATION IT SHOULD BE DELETED ASAP! THIS IS DEFAMATION OF MY CHARACTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect, and they are severely affecting my ability to make a living. 

XXXX XXXX # XXXX
Product: Debt collection

RVOLAW.COM HAS A JUDGEMENT IAMPAYING OFF. THERE WAS A XXXX WAY CALL PLACED AND THIER REPRESENTATIVE AGREED UPON A BALACE OWED [ {$2800.00} NOT $ XXXX SHOWING UP ONLINE PAYMENTS ] WITH A CREDIT REPORT OF POSSITIVE OR NUETRAL TO CREDIT REPORTING AGENCIES. I NEED TO MAKE PAYMENTS ONLINE DUE TO E BEENING XXXX AND IN SEVER NEED FOR A XXXX VAN.CAN I GET THIS LAWYERS/ACCOUNTING COMPANY DISS BARRED FOR ANTI-TRUST ISSUES OF NOT REFLECTING TUE BALANCE?
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax via certified Mail of the listed account. It has been longer than 30 days and I still have not heard back from them. I will attach the letter I sent and proof of this letter.