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

I received a phone call stating that I was required to pay back a loan that I did not have from 2015. The company was easy money payday loans. They said they have sent out several notices to my email my home address and I have not received any of these notices, this company stated that they were going to see fraudulent charges because I did not pay back this loan. I asked for more information about this and was told I had a {$500.00} loan never paid back and now they are collecting {$1200.00} if not paid right then they would see garnishment of my wages. I dont know anything about any of this and told them this was a scam and they said if it was a scam how would we have your personal information. I ended up hanging the phone up and they call me and my family several times a day.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX 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 severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account 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 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: Payday loan, title loan, personal loan, or advance loan

I received a small loan for {$250.00} two months ago, under the pretense that I would be able to make {$25.00} payments each month, to build credit history for myself. 
I was alleged to have a full 30 days before my first payment, and was surprised to be billed a couple weeks later on the amount of {$310.00}. 
I wrote back and explained that I would begin making my {$25.00} a month payments on the aforesaid date of my original billing cycle. I wanted to know why they did not keep their end of the arrangement. I received an email back, and the individual said I'd have to ask someone else, and they couldn't help me. I am still trying to reach the right individual to reinstate my payment plan, so I can pay off the little tiny loan I received. I just wish I'd been told the truth in the beginning, because I would not have taken the loan under those terms. 
Several times they have tried to deduct the full {$310.00} from my bank account. I had the {$25.00} pulled out of my savings when I received notice that I was being billed early, and they never tried to take that. They only wanted the {$310.00}.
Product: Credit card or prepaid card

Why does the CFPB and the Federal Govt permit credit card companies from charging interest rates that many would consider to be usary? The Fed Funds rate is currently 2.5 % and the XXXX  Prime Rate is only 5.5 % while many credit card companies are charging rates in excess of 20 %. Is 14.5 % or more over prime really fair? Mortgage companies have rate caps to prevent usary, why not credit card companies? I've seen credit cards with rates >24 %. How can this be permitted?
Product: Checking or savings account

Chase bank has refused to properly investigate disputes filed against XXXX XXXX and left me with a negative balance of excesss of XXXX dollars due to failing to review all evidence i have submitted. I have asked for case updates and was rold that the XXXX   XXXX XXXX did not properly investigate the matter. When speaking with chase i interacted with a very rude representative whom i informed that i was recording the call and he said nothing he informed me that hia supervisor told him to tell me she was going to tell me the same thing he was. When i asked to speak to that supervisor XXXX i informed her as well i was still recordning the call and she got an attitude with me saying that she didnt authorize me to record the call and refused to assist further
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to report Nelnet student loan provider as a bad actor in reporting false information to the major credit bureaus XXXX, XXXX and XXXX. It has been falsely reported on my credit reports that I have 14 delinquent accounts with the company. I recently spoke with a representative from NelNet that advised me all my accounts were reported as in good standing, however this verbal response poses as a discrepancy compared to my actual credit reports. I previously consolidated my 14 loan accounts into 2 accounts. However, the loans were in good standing before consolidation and are now being reported as delinquent.
Product: Debt collection

On or about Friday, XX/XX/2023, I received in the mail a debt collection letter from Southwest credit systems , L.P. ( Southwest ). In the debt collection, letter, Southwest claimed to be collecting a debt of {$110.00} on behalf of XXXX. The debt collection number provided a reference number and contact information. 

I contacted XXXX who confirmed that a bill was never sent to Southwest for collection. XXXX informed me that this is an ongoing and prevalent issue with Southwest and that XXXX no longer accepts payment over the phone because of Southwests fraudulent activity. 

It should be noted, that I did in fact have a bill with XXXX, in the amount of {$110.00} - precisely the amount Southwest alleged they were attempting to collect. I have paid this amount already and directly to XXXX.
Product: Debt collection

When I received my pay check notification from my employer XXXX XXXX, I was surprised to see that there was a creditor garnishment deducted from my pay. I have not received any notices, summons, etc. I called my employer 's pay check processor, XXXX who gave me the contact information of the company. After my request to cease the unknown garnishment, they told me their policy was to refer me to the company that submitted the Writ of Garnishment to them. 
I went to my local Human Resource department also and they are working with the Headquarters to seek resolution. 
I called the agency, XXXX XXXX XXXX XXXX XXXX, and asked about the garnishment. XXXX ( XXXX? ) told me this was for a check for {$18.00} to XXXX XXXX that was supposed to be written by me in XXXX ( 27 years ago ) and now it was a Judgement filed on it that grew to {$1200.00} with legal fees and 17 % compounded interest???. I was never given any notice about an NSF check, never on XXXX XXXXXXXX for a bad check. No notice-now or then! It seems like a scam that resulted in successfully getting my employer to allow an illegal garnishment. Had I been notified, I would have fought and disputed this fraudulent claim. 
In addition to no notice given, I live and work in Texas. This is not a garnishing state. When I said this to XXXX in our brief conversation, she simply said that 'he knows what he is doing and knows the law. ' When I researched on collection in Kansas, there is no Judgement that is extended more than 10 years with 10 year extension. This has been 27 years. 
Next, when I received the short detail sheet from XXXX on Friday XX/XX/XXXX ; it said that court was on XX/XX/XXXX. How is this??? This is fraud and I need assistance getting my money returned and to stop the garnishments immediately. Thank you.
Product: Checking or savings account

i opened an account with pnc bank on the   XXXX   XXXX   XXXX   telling them i am opening the account cause i am expecting fund from ohio and pnc is the only bank in the city that has a branch in Virginia and will be expecting some deposit so i got a deposit of {$6000.00} on the   XXXX   XXXX   XXXX  , a cash deposit of {$6000.00} and another deposit of {$8000.00} on the   XXXX   XXXX   XXXX   XXXX   which was cash also and on the   XXXX   XXXX   XXXX   i tried to access my fund i was told that the fund was on hold it will be release on the   XXXX   XXXX   XXXX   which i was bemused since it was a cash deposit so i called the person that made the deposit the what was the mater he should go back to the branch he made the deposit and see what happened he said everything was ok from the branch so i went to the branch to get my fund and was told there was a hold on the account and was refer to a bank worker who made calls and got no good response or a firm reply he told me to the only other option is to escalate the matter and let the department take care of it. so the next day i went to the branch since i did n't hear from them and they told me they are closing my account and sending me a cheque for the amount. So the next day i got a call from escalating dept that they re closing my account and the wo n't be sending me a cheque for no reason i feel day are trying to sell my money or take it since am a foreigner
Product: Debt collection

Initially the company misrepresented themselves as a legal entity, then when we entered into a payment agreement and I paid the settlement amount, later I was told that they do not update with the credit bureaus when satisfactory and complete payment have been made. The balance that is showing as still owed, is the full amount BEFORE the settlement amount was granted and paid by me. I needed to clear this up in order to get my official transcripts sent to my new school, of which I completed my degree and graduated this pass XXXX.
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX XXXX 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 severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported 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 XXXX  days before the payment due date. 


Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 card

I opened a BOA credit card with an intro 0 % rate. One charge was placed on the card since opening, and payments were made consistently and on time for months up until XXXX, 2023 when I tried logging in to make my next month payment. I found out BOA closed my credit card account ( to my surprise ) without notice due to " fraudulent activity ''. I never marked anything on my account as " suspicious '', there was only ever 1 transaction made and payments since then. 

After spending countless hours on the phones with incompetent representatives, getting transferred to managers and escalating the matter to figure out why they did this and what I can do to ( at the very least ), make my monthly payments... there is still no solution. 

At this point, BOA closed my credit card, however they are still collecting on the debt owed ( which I completely understand ). HOWEVER, they do not provide me, as the consumer, with basic information pertaining to my balance, due date, minimum monthly payment, etc AND do not provide a reasonable method to remit said payments. 

This is extremely predatory. 

How can you close a consumer 's account without notice, find out the account was closed incorrectly, force the consumer to pay the debt owed BUT DO NOT PROVIDE A REASONABLE MEANS TO REMIT PAYMENT AND ACCESS TO BASIC INFORMATION OF THE DEBT OWED? 

I want to pay my debt. I am only asking to have clarity on the balance owed, due date, and minimum required payment, along with a reasonable method to remit payment.
Product: Money transfer, virtual currency, or money service

I was trying to sell a bike. I was selling it for {$100.00}. A person messaged me on XX/XX/22 and said they were interested in it. We communicated for a while and she said she could pay me using Zelle. I've used Zelle before and never had an issue. The person told me that the money wouldn't go through because I needed to upgrade my account. It was {$250.00} to upgrade my account. I didn't want to do that. The person told me they had already paid the {$250.00} for me and I needed to pay them back. Then, it will get refunded to my account. I was receiving emails are well. In total, I paid {$1000.00} to this person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion XXXX : XXXX XXXX XXXXXXXX XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

A charge of XXXX from XXXX was charged to my USAA visa XX/XX/XXXX. I made a payment of {$100.00} on XX/XX/XXXX. This was to oay the XXXX and {$100.00} toward a balance transfer that is not currently accruing interest. I was charged interest om the XXXX for XXXX and XXXX. USAA denied my right to pay this interest bearimg charge, and claims that I was unable to pay this until the XXXX statement, when I spoke with them today, XX/XX/XXXX. I believe this is an unfair practice. I should be allowed to pay interest bearing purchases as soon as they are charged to my account.
Product: Debt collection

Dear Credit Bureau Dispute Department, I am writing to formally dispute inaccurate and fraudulent information appearing on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request the immediate removal of the following fraudulent accounts that I did not open, authorize, or have any association with. Below are the details : XXXX. XXXX XXXX ( Account # XXXX ) Account Type : Unsecured Personal Loan Balance : {$380.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX ( Account # XXXX ) Account Type : Unsecured Personal Loan Balance : {$2400.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX ( Account # XXXX ) Account Type : Auto Loan Balance : {$16000.00} ( Charged Off ) Date Opened : XX/XX/XXXX Closed : XX/XX/XXXX Original Balance : {$22000.00} Past Due Amount : {$16000.00} Legal Compliance and Requests In accordance with FCRA 611 ( 15 U.S.C. 1681i ), you are required to : 1. Conduct a full investigation into these accounts within 30 days. 
2. Provide documentation verifying the accuracy of the accounts, including signed applications, payment histories, and proof of ownership.

3. Remove the accounts immediately if they can not be verified as accurate.

Additionally, these accounts should not be reported under my name if they are fraudulent. If these accounts remain on my credit file, I will escalate my dispute to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).
Product: Credit card

American Express charged me a membership fee but hid the charge on my statement rather than post it online where I check everyday and where every other charge is posted. If I had n't scoured the statement, I would not have noticed it. I do n't like paying membership fees so my plan was to call and ask them to waive it or cancel my card. When I finally noticed the charge ( 2 weeks later ), I called but they said they were not authorized to speak with me - only my husband. He called a week later ( he 's busy and works 12+ hour days ) and they said there were no issues and I was able to speak with them. So they lied to me when I called on purpose so I would n't be able to ask them to waive the fee or cancel the card. I then went away for 10 days and when I came back and called them, they said I missed the 30 day window to cancel and be refunded the fee. American Express is extremely deceptive by lying to me so that I could n't get the fee waived and cancel the account in a timely manner. They stole money from me that is rightfully mine by their lies and deception.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act. XXXX account # 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 an account without my written instruction. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and found some inaccurate inquiries that are reporting on my credit report. I have made a list of the inquiries that I would like removed. Please review all of the documents and remove the listed inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few questions about inquires on a credit report. Is it true that in order to pull someones credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization? 

XXXX | XX/XX/2018 N/A I never authorized these inquiries. 
XXXX XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX XXXX  XXXX Inaccurate XXXX  XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX  XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Inaccurate From my understanding, that is against the law right? Because I did not authorize the companies above to pull my credit report, please delete these inquiries today. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen and used to fraudulently open several accounts ( XXXX XXXX XXXX  and XXXX XXXX ). I have previously sent in a Police report and an FTC affidavit to Experian supporting my claim for victim of identity theft. I have disputed these fraudulent accounts on several occasions and experian has told me that these accounts have been verified as mine. Back in XXXX of 2020 when my first dispute was submitted the process took longer than 30 days I was notified 2 months later that the accounts were verified as accurate. These accounts are a result of identity theft and my personal information being used and compromised. According to the FTC According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA. Experian is refusing to remove these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 for {$40.00} the company only connects with members by email and never respond or help resolve the issue, the transfer was never received so I requested a refund but theres no way to refund the payment because it doesnt show on the persons account