23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

We are a small business and have used our Bank of America credit card to pay for a plumbing service. We have provided the credit card number to the plumber since otherwise he will not even go to look at the problem ; however, by doing that we did not authorize him to charge any amount to our card. We provided him with the credit card number like we do when we purchase other things from our Air Conditioning service supplier or XXXX or XXXX XXXX or any other of our suppliers. None of those suppliers charge our credit cards prior for us to review the charge and approve it. Once the plumber went to the job place we asked him to do the job and provide us with the invoice ; not even then we authorized him to charge the credit card since we did not know the charge amount. Instead he asked the tenant to sign the invoice in our stead and charged the card without our approval ; he provided the invoice to us afterwards. We have disputed that charge with Bank Of America showing that the amount was charged without our approval and that we authorized it to pay the merchant a different amount ( {$300.00} instead of {$660.00} since the job was not completed and the charge included an item that the plumber did not work on but that was included in the invoice - snaking the entire drain ; our technician went and verified that and the access panel on the main drain has not been touched ). Bank of America closed the claim saying that once we gave the merchant our credit card number he was authorized to charge it. Is that how it is supposed to work? 
We completely disagree. When asked ( by the other authorized user and company principal ) to provide us with a proof where Bank of America disclosed that information to us when we signed the credit card agreement, supervisor XXXX in the Claims department said that we do not have a claim anymore and we have to pay the amount charged since we authorized the merchant to charge our credit card when we gave him the number. Why do we have to sign, review or approve any other credit card charge when we use that card for different purposes? We have XXXX credit cards stored on the XXXX website, why whould n't XXXX charge us for a product that we did not need just because it has our credit card numbers? Simple, because it asks us to review and approve a charge before it charges anything. Well, the plumber was provided with the credit card number and was asked to supply an invoice for us to review and approve. Instead he charged the credit card number directly and Bank of America approved the charge without our approving it. When told that we will not pay a part of the charge that the plumber charged and did not provide service for BofA 's XXXX told us that we will be sent to collection. 
We ca n't afford to take this {$660.00} charge to a court - we are a small business, however, we believe that BofA process does not work the way it is supposed to and that the plumber charged our card fraudulently. 
Please advise and help.
Product: Debt collection

Original dispute case number XXXX Describe what happened so we can understand the issue ... 
I Have opened multiple credit disputes with XXXX # XXXX, XXXX and XXXX and others for the creditor XXXX Hospital for charges {$5200.00}. Items have been reported under the credit collection names XXXX, XXXX XXXX XXXX XXXX and most recently Optimum Outcomes. 
I am currently making payments thru XXXX Law Offices in, XXXX XXXX XXXX XXXX, XXXX, WI XXXX account # XXXX phone XXXX XXXX ext XXXX. I have asked for an itemized statement from XXXX Law Offices who refuse to give information saying that they only have collection orders for specific amounts which gives me no way to dispute the charges or to know if these charges are from XXXX Hospital, doctors, clinics or services rendered on the day I received service XXXX or what the real balance is that I do owe. Therefore I have made payments according to items reflected on my XXXX Credit report. which has changed multiple times based on information that XXXX, state collection and XXXX is providing them yet not me. 
I have receipts of payments I made for {$590.00}, {$390.00}, {$340.00}. {$250.00}, {$90.00}, {$52.00}. In the last 2 months my balance on XXXX for state wide coll has changed from {$390.00}, to {$300.00} and most recently now {$330.00} and have advised XXXX I will not send any additional payments until I get something in writing that this is my final payment and instead Optimum Outcomes charges are now added on instead. Also they refuse to remove items on my credit report as payments are made, I have to open a dispute with XXXX after each payment which takes 30 days for updates to my credit file with Equifax. even though I have made them aware of this practice. When I began making payments to XXXX Law offices, also collector for XXXX, under the name XXXX, I made payment according to what was reflected on my credit, yet XXXX advised XXXX of additional charges saying that balance XXXX reported on my report was wrong and the balance was then adjusted and XXXX allowed then to add more charges. Most recently, XXXX as of XXXX/XXXX/15 has allowed Optimum Outcomes to report the same {$5200.00} for XXXX Hospital, XXXX lump sum, again. They also added the tag charges disputed by consumer? I had no knowledge of who Optimum Outcomes was until I checked my credit report on XXXX XXXX. I have also disputed the charges for XXXX Hospital with XXXX under the name of XXXX and XXXX and XXXX removed these charges because XXXX can not prove the charges nor able to itemize charges for this total amount. 


Consent to publish the description of what happened? Consent provided
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX, XXXX, and TransUnion this message is in regards to an account 1. XXXX 2. XXXX 3. XXXX 4. XXXX/XXXX 5. XXXX XXXX XXXX/XXXX all are listed as closed. I am not aware of these accounts belonging to me. I am not sure if this was by mistake, done on purpose or a fraudulent act but this is not a laughing matter it is an major error and misuse that I would like to see removed from my credit report immediately. I contacted XXXX but I did n't get a response back so I do n't know if this is a game being played or what. At this point I have contacted my lawyer and we are scheduling to go over to the county court house to get an affidavit for all the companies listed, including XXXX, XXXX XXXX, and TransUnion. Please be aware that I have contacted my personal private investigation team, FTC, and The State Attorneys Office to handle this case. If for any reason this was placed on my credit report, the companies will suffer the consequences. This is my last attempt to resolve this matter and anything after this message wo n't be answered by myself, you 'll have to deal with my lawyer. 

Thank You
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I was told by this company, that I had about $ XXXX to refinance. I called on XX/XX/XXXX to refinance {$150.00} but was told I had to receive at least {$180.00}, I agreed. They sent a link with was supposed to be a renewal contract, but it would not open. They called several times on XX/XX/XXXX stating they are experiencing system issues. On XX/XX/XXXX, I called to rescind the renewal and even went on the companies contact us page to rescinded in writing. On XX/XX/XXXX the funds were in my account after I clearly informed them, I did not want the renewal, nor did I ever sign a contract for this refinance. Someone at this company is clearly guilty of fraud, and deceptive practices. 

Please Note : Since being a customer, I have NEVER missed a payment and always kept my account in good standing. I tried working this out with the company to no avail. They only want to sweep this " crime '' under the rug and continue business as usual. As the victim of this crime, I disagree. I am appalled but their lack of concern for this crime and how they treat a good customer. Over my time as a customer, I have paid this company thousands of dollars without any issues.
Product: Debt collection

As a federally protected Consumer, I am here to contest any alleged claims that you are now listing as consumer debt on my credit report. 
The Consumer requests verification in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( 8 ). ( FDCPA ). 
Additionally, the aforementioned customer REQUIRES the subsequent : Account Name : CAPITAL ONE Account Number : XXXX
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX is old it was bought by my collection agency on my credit report XXXX  XXXX XXXX. This account is old and it keeps refreshing
Product: Checking or savings account

My personal informations was leaked and exposed in a data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous 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 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$9900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX
Product: Student loan

I was XXXX during this time frame and I would like this removed from my credit history also if I'm no5 mistaking the school shut down
Product: Debt collection

Lendmark financial calls me EVERY day, and twice on most days. I have never been more than 24 days late. I receive letters in the mail, constantly but because of the calls I have had to block their number and now they call from a private line that I can not block. This is infuriating!
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my XXXX  COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$0.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I went to capital one to buy XXXX thousand euros XXXX dollars I left the bank ( 20 minutes later I made the cancellation throw a phone call to the same location, they told me that my XXXX will be refund in 5 days!! It is exactly 3 months and they didnt put my money back ), I so many time I call the bank I speak with a least 5 supervisor etc the only answer it they still have a investigation, or some time they just tell me they dont know how long it will take!! It is look scan and feel frustrated, ( the bank told me the problem was that those type of transactions cant not be canceled, but they did it their employee did it over the phone!! I mentioned to the bank if you never call me to pick up the euros how is the process ( you order the money and the bank take 3-4 days to call you and tell you the money is ready ) I never receive the call because the transaction was cancelled!!! The problem is they are holding my money more than 3 months I am pregnant I am not working I need to cover my needs!! The bank dont wan na admit they internal problem! And I like a customer I am paying the consequences!! They line are recorded the only need to verify XX/XX/XXXX XXXX at XXXX approx to conclude the problem and refund my money, for my surprise today the banco put back just XXXX dollars not my XXXX ( they still XXXX thousands dllars, who can hear my complaints I am desperate!! It is the worst bank
Product: Debt collection

proof of address during time accused. I want this debt removed. I suffer from XXXX it hard with this going on I pnly have 3 days to applyfrom my graduate loan I need this collection off my credit. Its not mines Please remove I need to get my graduate loan. Please I need this off now. I lost my family in covid. Th is is all have to look forward to. I beg you please remove it. I almost lost my job my call to y work place. You cant have bad credit. Everythinhg is falling apart. My pstd is kickng in please delete. I beg you.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I RECIEVED MY INVESTIGATION RESULTS VERIFYING THAT THE FOLLOW INFORMATION IS ACCURATE AND FAIR. REPORTING AGENCIES FAIL TO SEND THE INVESTIGATED REPORT WITHIN 15 DAYS VIOLATING THE FCRA. XXXX VIOLATED MY PRIVACY BY SELLING MY INFORMATION TO XXXX XXXX XXXX IN XXXX OF 2019. CLEARLY AND CONSPICOUSLY ON MY CREDIT REPORT IS A CLOSED ACCOUNT STATING THE INFORMATION WAS TRANSFERRED TO ANOTHER PARTY WHICH IS XXXX XXXX XXXX. I NEVER AUTHORIZED SUCH TRANSACTION TO TAKE PLACE AND SHOULD BE EXCLUDED FROM MY CREDIT REPORT. THE TRANSFER OF MY INFORMATION IN REGARD TO THE XXXX IS IDENTITY THEFT. XXXX XXXX XXXX ACCOUNT IS LISTED AS A DEBT BUYER. JUST BECAUSE XXXX 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: Payday loan, title loan, or personal loan

The company calls me everyday. I have sent an email requesting my loan be considered paid in full due to the excessive amount of interest I have paid beyond the amount of the funds received.
Product: Checking or savings account

XXXX XXXX  sent out an active debit card to an unknown address after social security XXXX benefits had been deposited. The debit card was then fraudulently used until the account was closed due to having a negative balance. I never received any correspondence from the bank nor have they resolved this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

This is not a complaint of verification of 30 days late, but to inform you have broken the laws listed above. I will file legal action if not rectified immediately. I will also be looking for compensation upwards of {$1000.00} per violation as stated in the law.
Product: Debt collection

I received a letter regarding a debt I do n't owe. I have been a victim of identity theft so I keep accurate records of my credit report and know exactly whats on my report. But I called the company DYNAMIC RECOVERY SOLUTIONS any way. The person on the phone said it was a debt from before 2003 and I have the burden of proof to provide them information that I do n't owe the debt. Then I received a letter from them saying the same thing. I have never had a XXXX credit card. I have only XXXX credit card. Their saying I have the burden of proof from something over 12 years ago is Preposterous even if I did have a card. I XXXX this company and they are trying to pull this scam all over the place and they need to be brought to justice. Someone needs to shut this place down
Product: Mortgage

21st Mortgage representatives continue to exhibit verbally and emotionally abusive behaviors toward me when calling in and attempting to make payments. 

Today, XX/XX/2023, I called in to make two payments by phone because I am unable to make online payments as they lock accounts out from making online payments when the account is past due any amount. I am due for XXXX and XXXX. 

I attempted to call on three separate occasions, today being the third, to make the payments and each time was told they needed a third payment, which only came due today. They proceeded to harass me over why I was past due including mocking me stating that maybe I should be able to afford my mortgage and be on time. They implied a refusal to take the two payments without a third followed by a refusal to continue with my mortgage. When pushed to clarify what was meant by " not continuing my mortgage '' they stated they " didn't say that. '' After telling me they could not take my payment without a third payment added to it, I asked them to restate that they were refusing to accept my payments. They claimed they were not saying that, yet still did not accept my payments. This tactic is similar to a XXXX XXXXXXXX tactic where the person is told something and then the perpetrator gaslights them claiming to have never said those things. It is a bullying and harassing tactic designed to push the person further toward default. 

I suggest looking into XXXX XXXX as well as 21st Mortgage for these patterns of default and resale as it is their business model. 

Please note that they are well aware that my income has decreased over the last 2 years, that I was impacted heavily by a COVID job loss, and that I am currently caring for a daughter with XXXX XXXX. Despite my transparency, they continue to verbally berate me and conduct themselves in a combative and abusive manner making it extremely difficult to manage my account and make payments. 

Their treatment continues to cause undue stress and XXXX XXXX. Please see a previous complaint # XXXX. This is clearly a pattern of behavior deemed acceptable by the organization and its leadership. 

Having to make payments by outside means adds to the financial burden. No mortgage servicer or company should ever be able to prevent someone from making their payments and as a result, cause such deeply damaging XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : XXXXomplaint Against Equifax for Failure to Correct Inaccurate Late Payment Reporting Dear CFPB I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account with XXXX XXXX, account number XXXX. Despite multiple requests for correction dated XX/XX/XXXX and XX/XX/XXXX, the inaccuracies persist, violating provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Details : High Balance : {$38000.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX ( XXXX and XXXX ), XX/XX/XXXX ( Equifax ) Balance Owed : {$0.00} Account Status : Closed Payment Status : Current Account Type : Auto Loan Payment Frequency : Monthly Two-Year Payment History : Equifax : Late payments reported from XXXX to XX/XX/XXXX and XXXX to XX/XX/XXXX. 
XXXX XXXX XXXX : Late payments reported from XXXX to XX/XX/XXXX, XXXX and XX/XX/XXXX, and XXXX to XX/XX/XXXX. 
These late payment entries are inaccurate and conflict with the actual payment history I provided in my previous disputes. 
FCRA Violations : Under 15 U.S. Code 1681i, credit bureaus are required to ensure the accuracy of the information in consumer files. Despite providing evidence to correct these inaccuracies, Equifax failed to conduct a reasonable investigation and update my credit report accordingly.

TILA Violations : 15 U.S. Code 1666b mandates that creditors send periodic statements at least 21 days before the payment due date. The reported late payments suggest noncompliance with this requirement, resulting in harm to my creditworthiness.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide accurate and timely statements to prevent unfair penalties. The continued inaccurate reporting indicates noncompliance.

Desired Resolution : I am formally requesting the following actions : Immediate removal of the late payment notations for this account from my credit report with XXXX, XXXX, and Equifax. 
Written confirmation of the corrections made to my credit file. 
Failure to resolve this matter promptly will compel me to escalate my complaint, including pursuing legal action and filing additional grievances with the Federal Trade Commission ( FTC ) and other relevant agencies. 
Thank you for addressing this matter promptly. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I obtained this personal loan in XXXX of XXXX. I did not go through XXXX XXXX 's main website. At the time I used XXXX XXXX to apply for the loan. XXXX XXXX was the one that came up. They approved me for a loan and I paid for the loan, no problem up until now. 
I did what most people do, just pay the loan off as normal, making the minimum payment. Despite XXXX XXXX XXXX  high interest rates and most of the money going to interest, never had an issue paying on time. I kept up my agreement of the loan. Even in XXXX years time, I have paid a significant amount to this loan. 
Fast forward XXXX years later. What I learned, I probably would have never caught if it weren't for the next chain of events. I applied for a home loan with another institution in XXXX of XXXX. XXXX XXXX does not do home loans I believe. They pulled my credit to see where my debts are. The representative of the bank told me everything was good to go. She did not see this error on my credit report. It was only caught by the underwriter. They saw that the XXXX XXXX loan was not updated since XXXX of XXXX. Of course they questioned it and wanted to know what's going on with this loan and what is the actual amount of the loan. The bank for the home loan used a third-party verification company to verify the loan because it was not updated in over a year. The verification company got a hold of someone at XXXX XXXX, who told them over the phone that my loan was paid in full, closed, and in good standing. But when Iogin to the website, it shows a balance that I owe. 
One thing I want to point out is that XXXX XXXX keeps a banner on their page saying it's upgrading their system. This has been on their site ever since I have gotten this loan. So at least two years and counting. The not reporting the credit bureaus is one thing, but telling a third-party verification company that my account is paid in full is a bit suspicious. It would be one thing if I was close to finish paying off the loan and the system needed time to update, but that's not the case for me. 
I have a copy of the verification companies report they gave to the bank because the bank gave it to me and it says what XXXX XXXX told them via them calling XXXX XXXX 's XXXX ( XXXX ) number.
Product: Credit reporting or other personal consumer reports

I never applied for this and is not tied to any of my accounts.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts listed on my credit report, and I have no idea how they got there. I always check my report regularly, but this time, out of nowhere, there were discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but nothing changed. The accounts were still there, and now Im left feeling uneasy. Im asking that the documents Ive sent be thoroughly reviewed, so I dont have to worry about this anymore.