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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}, {$4000.00}, {$700.00}, {$3000.00}, {$3000.00}, {$4000.00}, {$1000.00}, {$3500.00}, {$100.00}, {$10000.00}, {$21000.00}, {$7500.00}, {$9000.00}, {$360.00}, {$3400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 

- ACCOUNTS - 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5700.00} -This is not my account. 

2. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

6. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

7. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

8. XXXX XX/XX/XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3500.00} -This is not my account. 

9. XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$100.00} -This is not my account. 

10. XXXX XX/XX/XXXXwith ACCT # XXXX opened onXX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a credit limit of {$21000.00} -This is not my account. 

12. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

13. XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

XXXX XXXX 14. XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$360.00} -This is not my account. 

15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3400.00} -This is not my account.
Product: Credit reporting

Wrong informations on my report ... under employer. I have never worked for a company called XXXX
Product: Debt collection

I have never done business with the debt collection company, more importantly the alleged debt is not owed as it was paid. I request that credit bureaus do a through investigation before slapping a debt on a credit report. Attached are the details showing the debt was cleared. Please remove this negative information from my credit file as it does not depict an accurate description of my credit worthiness. I ask this be removed in XXXX business days or I plan to pursue legal action against the credit bureau for their reporting without proper validation of the debt.
Product: Credit card

When I signed up for my credit card, I activated the auto-pay feature to automatically cover my monthly bills. However, after a few months of not using the card, I checked the app to see my available balance. To my surprise, I found that the auto-pay feature had been turned off without my knowledge, and my account had accrued several interest and late fees. When I contacted Capital One to address the issue, they couldn't explain why the auto-pay was XXXX for months without notifying me. We then set up a payment plan, and they assured me that they would waive the recent fees and that I wouldn't incur any additional charges as long as I adhered to the plan. Despite this, Ive noticed that I'm still being charged those fees, even though I have been following the plan.
Product: Credit card or prepaid card

unable to use their voice system, chg XXXX inst-rest and a cr of XXXX from XXXX did not show up,
Product: Credit card or prepaid card

On XX/XX/22, I made a purchase for {$9500.00} on my XXXX Credit Card pursuant to a promotion that offered no interest payments for a 12 month period and a waiver of tax with a newly opened credit card. I was induced to open the store credit card solely based on this promotion. At the time, there were also additional benefits for selecting online billing. On XX/XX/22, a finance charge of {$62.00} was assessed arbitrarily and without explanation. Then, on XX/XX/22, the first interest charge on purchases was assessed for {$100.00}. Subsequently, an interest charge of {$230.00} was assessed on XX/XX/22, as well as an interest charge of {$210.00} on XX/XX/22. I have called Commenity Bank and spoke to XXXX, XXXX and XXXX respectively, to dispute the finance and interest charges to no avail. XXXX advised that they do not accept disputes on these charges after a 60 day period. I advised that I am unable to open any PDF statements on their site, as the online statements are not accessible in any form. The only reason that I was alerted to these charges was pursuant to a separate dispute wherein the representative made me aware. I would like Commenity Capital Bank to comply with the 12 month interest free promotion that induced the purchase. Had the promotion not been advanced, I would have purchased the items utilizing a different method. I feel that XXXX XXXX  XXXX and Commenity Capital Bank misrepresented the promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian lists one of the negative factors on my credit report to be too many recent credit inquiries however all of the inquiries are within a period of less than 21 days and all are related to shopping for a mortgage. In other words, comparing rates among lenders. According to CFPB 's website, these should all be treated as only one single " hard inquiry. '' See CFPB webpage XXXX XXXX XXXX XXXX. 
I called Experian and asked why my score was being impacted by all of the inquiries. Experian said they drop my score by 3 to 5 points for every single inquiry and there is nothing that can be done about it. I informed Experian that since all were within a 45-day window for the purpose of shopping for a mortgage that it should only count as one hard inquire. Experian said they have never heard of that rule/policy and that is not how they calculate the score impact. I asked to submit a protest or complaint about this policy being in violation of CFPB guidelines, but Experian said there is no way for me to dispute it with Experian directly. They told me I should file my complaint with the FTC. 
I have not called the other to bureaus, XXXX XXXX XXXX  I do subscribe to credit monitoring with both and my activity monitoring for both show the same information that too many recent credit inquiries is lowering my score. 
I have gotten mortgage pre-qualification worksheet estimates from around 8 different lenders and ALL OF THEM pulled my credit report with a hard inquiry. I would NEVER have done this with this many lenders if it were not for the advice from CFPB that the all of the inquiries will only count as one " hard inquiry. '' Now I am stuck with score impacts from all of those hard inquiries unless the credit bureaus change their policies to be in alignment with CFPB advice.
Product: Debt collection

Latest phone call received from Portfolio Recovery ( Tel # XXXX ), the evening of Tuesday X/XX/2018 citing a debt in the amount of {$1100.00} for a XXXX XXXX XXXX XXXX # XXXX dating back to XXXX. Advised the young lady on the line that this was discharged via Bankruptcy. She replied, that was noted the case and how would I like to pay off this debt.At that point advised her that this conversation was over and will contact the FTC and file complaint. 

My Case # XXXX US Bankruptcy Court XXXX XXXX of Pennsylvania cites the discharge of debts of which the above noted XXXX XXXX ( XXXX XXXX ) was first on the list. Having repaired my credit moving forward, XXXX XXXX has issued 2 Credit Cards to me ( all which are in great standing - never missed a payment ) as well as IRA and Personal Checking with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

car loan on all credit reports showing in collection and charge off for XXXX on paid vehicle. the company is bank of america n.a. I have sent dispute letter to them with no reply. within a couple more days the will be in default of fcra rules that give the 30 days to reply to dispute. this issue is not getting resolved with them. the acct number is below for bank of america n.a. 

Contact : XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX Account status Charge off/ Collection Date opened XX/XX/2014 Account type Auto Loan Balance Loan Amount {$400.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Whom It May Concern, I am reaching out to dispute an inaccurate account on my credit report. This account was purchased by a third-party debt collector, XXXX XXXX XXXX and the information being reported is incorrect. Specifically : The account status is not accurate. 
The balance is incorrect. 
The debt was paid for less than what was originally owed by the third-party collector. 
I have attached a copy of my credit report with the issue clearly highlighted. Since the information is not correct or complete, I am requesting that this account be removed immediately from my credit file. 
Also, I would like clarification on how much the collection company actually paid for this debt, as my credit report does not reflect this. If the amount reported is not accurate, this could be a violation of the Fair Credit Reporting Act ( FCRA ). 
Please update my credit file and confirm in writing once this has been corrected. I appreciate your prompt attention to this matter. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I moved from my previous address of XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX a year ago. Today XX/XX/2023 I received a phone call from a law office of Mendelson Law Firm XXXX informing me that XXXX and company is trying to charge me for a drywall problem, carpet, trash and other miscellaneous issues. First, of all the trash I had a feeling about because I still drove past my old house after I moved and people was putting trash in front of the yard and around the house. Secondly, I call the company after I returned my keys because someone was going into the house and I wanted to let them know. I was staying in that home for XXXX  years and I have asked repeatedly to get new carpet or pull it up and all they did was put new carpet on the stairs. I had to rent carpet cleaning machines to try my best to clean that carpet. The drywall issues came from plumbing issues causing a hole to constantly be in the garage because of the leaking in the bathrooms. I am no longer able to log into the portal so I can show proof of constantly putting tickets in about that issue but I do have a picture and video. I dont get my deposit back for the house because I figured with all the trash out front they would charge me for that. But anything else I am not responsible for and no one tried to contact me before today with this issue. I always paid my rent and never was a bad tenant.
Product: Mortgage

in XX/XX/XXXX I knew I would have to be selling the home Husband had passed and I just couldn't afford anymore. they were to take the impound balance and add to the XXXX principal interest payment and stop my impounds per my request this was requested in XXXX for the XXXX payment and again in XXXX, the XXXX phone call end of the month they said I must fax in request so I did. at the time the impound balance in XXXX was XXXX or around there I didn't keep notes because I didn't think necessary but now I have been since they messed up in XXXX. 
I faxed in the request told to me in XXXX but not mentioned in XXXX attached is fax confirmation and letter. on XXXX they sent a pay off demand to escrow to pay off the loan house didn't sell until XX/XX/XXXX the could have amended if needed be they didn't to that. late XXXX received letter XXXX demanding pay off short and I called them that Monday XXXX spoke with XXXX who said they had enough funds to cover all and we still have impound balance I said ok and let go. 
Note : they were trying to say on an unpaid balance after impound account was credited if they were wrong I would be charged XXXX per DIEM on XXXX principal balance. XXXX said it was all an error this conversation is recorded and his ID number is XXXX. 
So I thought it was all resolved on XXXX I received a letter dated XX/XX/XXXX That stated XXXX was wrong and even again if he was wrong you should first credit the pay off amount. then impound account and then I I owe anything I should have been charged that balance plus interest at XXXX ( Note amount on the principal of approx. XXXX balance after all credits but instead they are still trying to charge me interest at XXXX per diem so since XXXX they say I still owe in excess of XXXX see all attached pay off demand, closing statement and letter confirming receipt of no impounds on XXXX letter stating all resolved on XXXX demands for XXXX per diem interst on a balance XXXX at most but should be zero and I should be getting impound account back.
Product: Checking or savings account

As you may be aware, the transfer of accounts from XXXX to Citizens Bank, XXXX XXXX, has been a chaotic nightmare. I was able to resolve most of my checking account problems by filing a complaint with the Off. of the Compt. of the Currency, which led to my dealing personally with someone in the Citizens Bank CEO 's Office.

1. The tens of thousands of other customers have not had this personal service and spent fruitless hours on the phone. They probably still are. Many institutions have been flooded with inquiries because of the need to file new routing and account numbers.

2. The hundreds of checks my wife and I purchased shortly before the merger was announced last year are now useless and we have told to destroy them. Citizens provided 25 " starter checks '' to replace them, hardly enough to last a few months, so we must buy new ones at our expense. 
3. Certain institutions ( e.g, my pension provider ) required that I file a new direct deposit form and have it notarized, at my expense. 
I
Product: Credit card or prepaid card

Customer service at XXXX XXXX onXX/XX/XXXX is extremely rude and should be fired. They can not even answer a simple question. System is down, I paid for online service and not receiving it. They should offer a discount or credit, for not contractually filling online service contract, and being a fraud.
Product: Debt collection

ERC is the company that sent the collection notice, dated XX/XX/2022. 

My family does have a XXXX account but we pay it as family and each of our phones are under my husband 's name. 

The bill is for {$340.00}. I called the collection company on XX/XX/2022, and let ERC know this is not me and I am not going to pay it. The customer service gentleman said okay I will update the records. 

Thank you.
Product: Payday loan, title loan, or personal loan

I am filing a complaint XXXX XXXX for operating a payday loan service in the XXXX of Arkansas and charging customers interest rates beyond the allowed limits in the state of Arkansas of 17 %. Also, under Arkansas XXXX payday lenders are prohibited from providing loans to customers in Arkansas.
Product: Credit card

On XX/XX/year> I was notified via a credit alert that my care credit balance has been decreased without warning or explanation. It went from roughly {$2000.00} to {$800.00}, I have a balance of {$730.00} so it essentially maxed out my card. When I called no one had an answer as to why. They just read 4 points from a letter they said they sent but I never received. I make {$30000.00} more a year now then when I opened the card a year ago, my account ( all my credit accounts are in good standing and not maxed out, actually being raised ) my credit score is good. So for them to do this 1. Without warning 2. Without valid reason and 3. Without helping to find a resolution is predatory. Every time I asked why this happened they said oh, its based on a credit report theres nothing we can do. Someone there made it he decision to lower it and someone can give me the credit Im owed, taking away XXXX XXXXXXXX credit for no reason? How is this legal
Product: Credit reporting, credit repair services, or other personal consumer reports

opened account with XXXX XXXX, experian has continuously failed t report the XXXX XXXX account
Product: Credit reporting or other personal consumer reports

Received a copy of my credit report on XX/XX/ and XX/XX/ and theirs 's XXXX hard inquires on my credit report from XXXX XXXX XXXX they're XXXX soft inquires also on my credit report. 

I have called and written letters to all three-credit reporting Bureaus ; Equifax, XXXX and XXXX which included a copy of my driver 's license and social security card,
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies asinformation that resulted from an alleged identity theft, not later than 4 business daysafter the date of receipt. XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX  the late payment to paid as agreed 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.

Update the late payment to paid as agreed 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: Checking or savings account

Navy federal credit union is denying all of my fraud claims. I had multiple fraud transactions on my account from a person who I hired to do help in my house. I did not realize it was this person until it was too late. I have a police report, all of the claim numbers, amounts, etc. ive been battling this for 4 + months. The most recent denial was today. Ive changed all of my passwords, account numbers, downloaded security protection for my cell phone ( all suggestions from navy fed CU ) and was still denied. This is outrageous and has put me in an extreme financial bind with over $ 5k in fraud taken from me. I have a daughter and am the sole provider for her and can not wrap my head around this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX via transunion interactive XXXX XXXX online information services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FAIR DEBT COLLECTION PRACTICES ACT As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act 1692-1692p.

Please note that the format of the text differs in minor ways from the U.S. Code and Wests U.S. Code Annotated. For example, this version uses FDCPA section numbers in the headings. In addition, the relevant U.S. Code citation is included with each section heading. Although the staff has made every effort to transcribe the statutory material accurately, this compendium is intended as a convenience for the public and not a substitute for the text in the U.S. Code.
Product: Checking or savings account

I deposited a payroll check from my employer on XX/XX/XXXX of {$1700.00}. A hold was put on the check immediately and it stated the funds would not be available until XXXX. I contacted Chase Bank on XX/XX/XXXX and XXXX. They said they need to verify that the check has cleared. I contacted my employer whom contacted their bank on XXXX. The bank where the check was from said the check cleared on XX/XX/XXXX. Chase Bank has not lifted the hold on my check and customer service has not been helpful. There is no reason to keep the hold on my account when the funds are cleared.