23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Good Afternoon, I sent Discover Student Loans a message inquiring about how much interest I was being charged per month. I explained to them, I did the daily simple interest method. For my loans, right now using that method, I 'm being charged around {$1.00} per day which is fine and that amounts to around {$35.00} per month in interest. 

I do n't understand how I was charged {$70.00} in interest for XX/XX/XXXX. I made two payments, one on XXXX/XXXX/2016 for {$640.00} and another on XXXX/XXXX/2016 for {$540.00}. The amount of interest that would have accrued between those dates would have been around {$24.00}, not {$70.00}. For the months prior to that, I 've averaged around {$35.00} per month. 

The second issue, I pay interest monthly through my statement, and thats the {$35.00} or {$70.00} as seen above, now my overall balance is also increasing daily by around $ XXXX- {$2.00}. So not only am I paying interest monthly on my statements, but I 'm also paying interest through having my balance grow. It seems to me, I 'm being double dinged on interest. 

Can you please research this or look into this for me? If interest was incorrectly calculated, can they apply that to my principal balance. For this loan, I originally took out {$26000.00} and my balance today is {$14000.00}. So far, I 've paid a total of {$21000.00} on this loan. ( {$15000.00} has gone towards principal and {$6600.00} has gone towards interest. ) So, if we were to minus the XXXX ( that has gone to principal ) out of the original balance not including interest, my balance today would be {$11000.00}. And that does n't include the {$6600.00} that was already paid to interest. 

Can CFPB or Discover please help? 

Thank you.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Second Dispute Regarding Inaccurate Late Payments XXXX XXXX  Account Dear CFPB, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed account on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute. 
Upon reviewing my credit report, I identified an error in the reporting of the XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). This account inaccurately shows late payments, specifically : XXXX : XX/XX/XXXX and XX/XX/XXXX Experian and XXXX : XX/XX/XXXX and XX/XX/XXXX My records indicate that all payments for this account were made on time, and the reported late payments are erroneous. 
Attached to this letter, I have provided copies of my credit report in question for reference. The discrepancies outlined are as follows : 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 
These discrepancies do not align with my actual payment history. Attached are bank statements and confirmation of payments made on time for the disputed periods, demonstrating the inaccuracy of the reported late payments. 
Reference to PAANL ( Paid As Agreed Never Late ) : The terms of my agreement with XXXX XXXX  have always been adhered to, and this account should accurately reflect a status of " Paid As Agreed Never Late. '' Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports should not contain information solely as to transactions or experiences between the consumer and the reporting entity. 
Request for Investigation Procedures : I kindly request the following as part of your response : A detailed description of the procedure used to investigate and verify the disputed account, in compliance with FCRA 15 USC 1681i ( a ) ( 7 ).

Proof of reasonable procedures per 15 USC 1666 ( b ) that periodic statements were mailed to me at least 21 days before the payment due dates.

Documented evidence supporting the late payments reported, including specific dates, amounts, and communication indicating delinquency.

If you can not validate the reported late payments, I demand that this account be updated to reflect its correct status as " Paid As Agreed Never Late. '' As stipulated under the FCRA, I expect a thorough and prompt investigation and a written response within 30 days of receipt of this letter. Failure to comply will be considered a violation of the FCRA. 
Thank you for your immediate attention to this matter. I look forward to receiving a resolution that accurately reflects my payment history. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as theydid not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXX to delete all lested items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to deleteall items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
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 XXXXXXXX Balance Owed : {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I can not obtain my credit report in any way. There is alot of things that were reported on my report that i know are know are not mine. Judgements and crefit accounts and loans that were never mine. They keep sending me form to update incomplete and outdated information. Why? I do not know. All i know is i took rje hit for the past several years for someone elses debts. Unacceptable. And years later i still fo not know what my credit report still has on it or if anything new was added to it. I need serious help with this. Equifax keeps railroading me. I need to move in 3 weeks and i need this information. I pnly have XXXX identity. Not my fault they reported wrong information. And i sent them my information they requested numerous times already. It has been years trying to resolve and nothing has been resolved. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, a little ov er two a m onth ago ( I 'm not sure on the exact date ) I downloaded an app on  my iPhone  called  XXXX   XXXX   (  an app that was supposed to track how much you spend a month on subscriptions  ). I  ended up deleting it after putting my  XXXX   XXXX  credit card information. On  XXXX   XXXX  I got charged by Experian  Credit Rep with {$1.00}, which  I did n't think much of. I thought maybe it was the app or something else. Then it charged my same account again on  XXXX   XXXX  for {$21.00}. Confused, I called Experian to figure out what was going on, but after maybe  10  minutes waiting on hold I hung up and hoped it would resolve itself. Unfortunately it did n't, I was just charged again with {$21.00} today,  XXXX  the  XXXX . It 's odd because these charges are always in the middle of the night. Now I 'm not completely sure if  XXXX   XXXX  is the origina l one  to blame here but by my actions and time table of the charges, this is my best guess. I 'm going to try to call Experian again today and hopefully get this resolved.. The fact that I ca n't even clearly recall how I somehow signed up for what seems like a {$21.00} financial subscription is why I am filing this complaint. Please feel free to contact me if you need any more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Eauifax has a XXXX XXXX XXXX # XXXX ( original creditor XXXX XXXX ) account on my credit report for {$740.00} and this account has been discharged in bankruptcy court # XXXX.
Product: Credit card or prepaid card

The current card expired on XX/XX/20 and First Progress never sent another card. They say they sent another one out over 3 weeks ago and I have yet to receive it. I called and they said they would send another one out but it takes up to 2 weeks. This card is secured card and they are holding my funds and I can not use them due to their incompetence. They are making interest on my money but I cant access in accordance within the user agreement. Then if I want to speak to a manager, they refuse and give ma a fax number to send my issue, The refuse to overnight a new card. When I said to close my account hey said it takes 10 weeks to receive the check, all the while they are making interest on MY money. If I want it sooner, I would have to request it by fax. Since past experience has shown they rarely follow through and do as they promise I do not expect them to do what they said. I have had it with them. I need those funds now as I am going through XXXX treatments and need that money for my care.
Product: Consumer Loan

Kia Motors Finance is purposely ruining my credit. They keep reporting me as 30 days late on my loan when I 've never been 30 days late. I 've even sent a written letter requesting they correct this and they only made it worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX credit report they still have a inquiry from XXXX credit national credit card cos this inquiry was done due to identity theft your company took off XXXX XXXX XXXX so why not this one too? Trans union still has XXXX? Still one here on my credit report after 90 days. Still have not taken this inquiry off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. I did not say this was my account. But this was an automobile loan and Arkansas Statue of Limitation Law say it can only be on your account for 5 years. the Last payment was received XX/XX/XXXX. 

XX/XX/XXXX, I spoke with XXXX a representative for Experian. I informed him about Arkansas Law and their refusal to remove this information from the account. FCRA law from not state and they say it 7 years negative and positive 10 years. 

I read Appendix E to Part 1022Interagency Guidelines Concerning the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies. I did not locate anything about status of limitations. 

I did locate this information information regarding Arkansas Laws : Contracts Written : 5 yrs. 16-56-111 ; Oral : 3 yrs. 16-56-105 Collection of Debt on Account 3 yrs. if not written or under seal 16-56-105 Judgments 10 yrs. 16-56-114 I am asking for your help with this matter. Experian is just trying to bet people to purchase their extra membership plan. I am trying to buy a home/car and this is affecting my ability to do so. I am planning on retiring and they are willfully hindering me. 

Experian had their system breech. The should provide free credit mornitoring. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AR XXXX, XXXX.
Product: Credit card or prepaid card

Last 4 digits # XXXX When this card was under XXXX i struggled, i contacted them through mail so many times, i got rid if my phone and it was only way, they worked with me a bit but i work a XXXX  job we have a few unpaid vacations so i tend to fall behind. Well new company took over and i been writing them, i need help, any help i could get. I've been thinking about filing bankruptcy or doing a debt consolidation because i can not afford these payments. But reason for why I'm writing today is because of the Corona Virus i have lost my job and im begging this company to please work with me because i have no money st this time
Product: Debt collection

Nationwide Credit Corporation may appear legitimate, but there are fraudulent criminal activities within that company. Their fraudulent activities have implicated the XXXX Virginia police department Parking Citation Division, The Virginia DMV, and maybe the credit reporting agencies. 
I will tell about two occasions when Nationwide Credit Corporation wrote me letters about parking tickets in XXXX Virginia, a city I last visited in XX/XX/XXXX. And my only parking was done at the XXXX XXXX parking lot. 
The content of the first letter. The letter stated I had a parking violation in the city of XXXX Virginia where my parking permit could not be seen. They sent me a picture of a vehicle I don't own with my license plate letters and number, but the state name was blurred out. 
I wrote Nationwide Credit Corporation a letter explaining to them I was not in XXXX Virginia and sent them a copy of my Virginia Car registration. I never heard any more about that situation. 
The second time Nationwide Credit Corporation wrote me a letter was in XX/XX/XXXX. On XX/XX/XXXX, I went to Virginia DMV in my hometown to have my license plate replaced because of damage. I was issued new license plates that day. 
I receive a letter from Nationwide Credit Corporation a few weeks later informing me that I have a parking violation in XXXX Virginia on XX/XX/XXXX, just three days after the new license plates were issued to me. 
Nationwide Credit Corporation contacted the Virginia DMV, telling them I owe a fine for a parking violation in XXXX Virginia, a city neither my car nor license plate have ever visited. The Virginia DMV wrote me a letter saying DMV will not renew my license plates which expire on XX/XX/XXXX unless I pay Nationwide Credit Corporation for a parking citation that never occurred. 
In my situation, Nationwide Credit Corporation has a contract to collect unpaid parking citations for the XXXX Virginia police department Parking Citation Division. They are using that contract to create and collect funds for fraudulent citations. When I refuse to pay for a parking citation in a city my car has never visited, Nationwide Credit Corporation contacts the Virginia Department of Motor Vehicles telling them I owe for a parking citation and my license plates will not be renewed until I pay Nationwide Credit Corporation.
Product: Credit card or prepaid card

YET AGAIN IM RECEIVING EMAIL CORRESPONDENCE AFTER NUMEROUS TIMES TO BE CONTACTED THRU THIS AGENCY REGARDING THIS MATTER. BECAUSE I NO LONGER TRUST THE INDIVIDUALS INVOLVED IN THIS INCIDENT WHICH ALL STARTED FROM A SIMPLE MISTAKE AND LACK OF AGENT INFORMING ME TO MAKE SURE I SCROLL DOWN FOR XXXX  CREDIT PORTION OF THE APP.

( MAYBE YOU SHOULD TAKE THIS HORIFIC INCIDENT AND UPDATE YOUR TRAINING PROCEDURES INSTEAD OF TRYING TO CLOSE YOUR CUSTOMERS ACCOUNTS. ) BUT I UNDERSTAND ITS LOT CHEAPER TO CLOSE YOUR CUSTOMERS ACCOUNTS FROM A HONEST MISTAKE.

SO IM ATTACHING CORRESPONDENCE AGAIN.

IM ATTACHING THE IRS CONSENT FORM 4506-C THAT I RECEIVED YET AGAIN WITH THE DEMANDS TO FILL OUT AGAIN ... BECAUSE DISCOVER IS TAKING THE STANCE I NEVER FILLED OUT ... THEY DIDNT RECEIVE ... IT WAS INCOMPLETE.. 

ALSO ATTACHED CONFIRMATION OF EMAIL STATING ITS BEEN SUBMITTED AGAIN ... WHICH I HAVE ALSO UPLOADED PREVIOUSLY IN OTHER COMPLAINT. 

ALSO ATTACHED COMPLETED FORM SO ALL PARTIES CAN SEE ITS BEEN COMPLETED... AND ALL HILIGHTED AREAS FILLED OUT. 

AGAIN I HAVE BEEN ON XXXX SINCE XX/XX/2010 AND I HAVE NOT FILED TAXES SINCE THEN ... .BECAUSE XXXX NOT REQUIRED TO. BUT YET AGAIN DISCOVER IS DENANDING THE LAST TWO YEARS OF MY TAXES.

AND AFTER STATING MY EIN NUMBER IS BRAND NEW... ALONG WITH IRS LETTER FOR EIN SHOWING DATE OF THE ORIGINAL EIN ... AND THE NEWLY FORMED FROM XXXX XXXX TO XXXX..AND UPLOADED THAT PREVIOUSLY... AND YET AGAIN DISCOVER IS DEMANDING THE LAST TWO YEARS OF TAXES AND THREATENING TO CLOSE ACCOUNT ... THEN AFTER COMPLETING... SAYING I NEVER DID... WAS INCOMPLETE... ETC AND AS WELL AS THE SECRETARY OF STATE ARTICLES OF ORGINIZATION.. 

AND MY ACCOUNT HAS BEEN FROZEN NOW FOR ABOUT A MONTH NOW... 

AND I HAVE UPLOADED MORE THAN ENOUGH PROOF OF MY IDENTITY... 

STILL RECEIVING THREATS OF CLOSING MY ACCOUNT UNDER THE GUISE IM NOT CO-OPERATING IN PROVIDING DOCUMENTS .... 

WOW ... AMAZING... 

AND I HAVE XXXX AND XXXX .... 
REALLY BAD ISSUES WITH MEMORY... 
XXXX XXXX I THINK THE APARTMENT WAS XXXX XXXX NH BUT I DO NOT RECALL FOR SURE...
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX : # XXXXXXXX XXXX XXXX XXXX : # XXXX,, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.
Product: Debt collection

The original account holder made no attempts to inform me of my account with them although they had my previous mailing address which I was still receiving mail at, along with a working phone number and email address for me. The following is information I verbally obtained from a RentDebt customer service associate on XXXX XX/XX/XXXX as they refuse to provide me with a hard copy or otherwise of their activity on my account. RentDebt received this account on XXXX XX/XX/XXXX with the following contact information : ( omitted ) address which I never lived at and so would not have forwarded mail from, a working phone number ( omitted ), and email address ( omitted ). After receiving this account, RentDebt made the following actions : Hard copy letter sent out XXXX XX/XX/XXXX to unknown address per RentDebt associate. Hard copy letter sent out XXXX XX/XX/XXXX to unknown address per RentDebt associate. Hard copy letter sent out XXXX XX/XX/XXXX to ( omitted address ) stating a settlement offer per RentDebt associate. Phone call on XXXX XX/XX/XXXX which I answered, informed them I had not had knowledge of this account, and paid immediately. On XXXX XX/XX/XXXX RentDebt reported XXXX balance to credit bureaus per RentDebt associate. Hard copy letter was created on XXXX XX/XX/XXXX showing a XXXX balance, but was never sent to me although they now have my updated mailing address per RentDebt associate. For the above reasons, this account should be removed from my credit reporting.
Product: Mortgage

I have my property taxes in escrow with Freedom Mortgage. While doing a home equity loan with another institution I was informed my property taxes were delinquent and I could not proceed. I contacted customer service. XXXX informed me that I needed to send an email to customer service and they would respond within 48 hours. 72 hours later, no response. Made second call and spoke with XXXX ( ID XXXX ) she informed me a resolution has not been made, but a target date was scheduled for XX/XX/2018. I am now over 30 days delinquent and have accrued over {$100.00} in penalties and interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

After setting my limits to {$7500.00} USD, I deposited {$5000.00} USD to my Coinbase USD Wallet from my US-based bank account. This transaction was made at XXXX XXXX ( EST ) on Monday, XX/XX/XXXX. Coinbase took the money from my bank account on Tuesday, XX/XX/XXXX, before XXXX XXXX ( EST ). 

It is now XX/XX/XXXX and still NO deposit showing. This is the 6th business day ( Internationally ; yesterday was XX/XX/XXXX in the U.S. ) and the 8th calendar day. Coinbase policy is : deposits can take 2-5 business days to clear due to ACH blah blah blah. Well, Coinbase had possession of my money on the 2nd business day, yet did NOT deposit it in my USD Wallet TO THIS DAY! ( Tuesday, XX/XX/XXXX ) On day four ( XX/XX/XXXX ), I called the phone number Coinbase listed with the bank transaction ; that number NO LONGER WORKS. The new number ( XXXX ) is nothing more than a talking phone tree that does not allow for human interaction at all - at the beginning of the call AND at the end of each message down the tree, the voice directs you to go online to their support site. After going through the miserable " Chat Bot '' on Coinbase 's support website, I was finally able to send them an email from https : //support.coinbase.comXXXX ... 

Coinbase 's response so far? CRICKETS!!! Nothing. Nada. Zilch. Zero response. Since I finally sprang for more than a couple dollars here and there deposit to invest in cryptocurrency, Coinbase really sucked me into their net bad. If not stolen, at least misappropriated and using my money as their " FLOAT '' to increase their own corporate profits. At worst, Coinbase is a fraud, at best, a really messed up company. I 'm feeling chaffed. What a CON JOB. 

I have also contacted my bank to inquire what to do about the transaction after-the-fact.