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

XX/XX/XXXX I called to ask for help understanding my interest fee 's, and how my upcoming bill would be affected by paying my balance down to {$0.00}. My direct question was something like, will I expect ANY FEES on my bill, if I pay my balance to XXXX right now. 

Her answer was something like, no you don't get any interest if you pay your balance to XXXX every month. I said, so I won't have any unexpected fee 's? she said no. 

I initiated a full payment immediately after getting off the phone, it cleared the next day on the XXXX of XXXX, 2021. 

I received a bill on XX/XX/XXXX for XXXX in interest and fees, of which the minimum payment due was XXXX. 

If I were to pay the minimum of XXXX today, I will be charged interest next month on the XXXX This was NOT explained to me, until I called in AFTER receiving the unexpected charges. The rep said that because I was told accurate information, and because my balance had not been paid off at the end of the previous cycle, I should have just understood that I would be billed interest every day of this cycle, on that balance, until it was paid. 

I should have had that kind of an explaination on the XXXX! I would have just asked when and how much to pay to keep my balance AT XXXX! 

I want to make sure I use credit responsibly, and never have unexpected bills! My decision to pay my bill all the way to XXXX was because I want to keep a lower balance running! I was going to reset from XXXX, and only charge to it what I can pay immediately. This will save me unexpected interest fee 's and lower my costs. 

Even the rep from the XXXX said it was technically a correct answer but he see 's how it was the wrong answer for my question and that the rep must have misunderstood me, but there was nothing to be done, I owe what I owe even if I misunderstood my terms, and even if she misunderstood my clarifying questions. 

I don't know my rights, but I asked for a copy of my recorded call, which they listened to in order to deny me any kind of resolution. They won't let me have it, which leads me to believe that their reason for not resolving my issue was taken out of context. If the conversation were heard and evaluated in whole, with common sense, it would be CLEAR that the rep promised me that I would not have unexpected charges. 

It is NOT about {$40.00}, it's about feeling mislead in a way that could have easily messed up my plans, and caused a late payment, additional interest, and even a mar on my credit report. 

I feel wronged on a deep level and even XXXX said she totally understood where I was coming from and I was right, but that she could do nothing for me. 

This just smells to me like unfair treatment. Contracts are hard to understand, and we have fairness in our lending in America. This felt to me like I was given a textbook answer that was very misleading so that I wouldn't expect a bill, and would be charged late fees. 

Can anything be done with regard to this issue? I have paid the full amount immediately after speaking with XXXX, and I am very unhappy.
Product: Credit card or prepaid card

Because a late payment of one day after have been notified Capital One increased the Interest Rate from 21.90 % APR to 30.65 % APR. 


I talked with them and explained that because the due date was a weekend I forgot to make the payment and I realize of this after they sent me an email telling me that the payment was delayed. They waived the Late Payment Fee of {$39.00} but did n't change the Interest Rate. 


I told them that it was not fair and I will cancel the Credit Card in 24 Installments but they want to continue charging me the 30.65 % APR. 

I wonder what penalty they paid 8 years ago when the Government have to do a Bailout of the main Banks and give them billions of dollars? 

I want to cancel the Credit Card and pay the balance in 24 installments with a reasonable and fair Interest Rate.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, have identified multiple violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws that impact my credit report and personal information. These issues include unauthorized hard inquiries, inaccurate personal information, unverified debts, and deceptive reporting practices. Heres a detailed breakdown of the violations : FCRA Section 616 ( Civil Liability for Willful Noncompliance ) Credit information about me was accepted and reported without proper verification, showing willful noncompliance with the FCRA. 

FCRA Section 603 ( d ) ( 2 ) ( A ) ( Failure to Disclose Opt-Out Rights ) My right to opt out of sharing personal information was not disclosed, violating my consumer rights.

FCRA Section 623 ( a ) ( 3 ) ( Furnishing Deceptive Forms ) Inaccurate inquiries and accounts were furnished without proper validation, which is deceptive and breaches accounting principles.

Debt Collection Practices Act Violations Inaccurate debts and accounts were reported, leading to harassment and unnecessary contact from creditors.

Violation of Acquiring Location Information Regulations Debt collectors disclosed debt information to third-party credit reporting agencies, which is prohibited.

Deceptive Reporting of Late Payments Late payments were reported without defining what constitutes lateness, leading to inaccurate reporting.

Finance Charge Miscalculation Incorrect finance charge determinations were made, showing negligence in reporting responsibilities. 

Violation of Permissible Purpose Requirements Hard inquiries and credit report entries were made without my written consent, breaching FCRA 's guidelines for permissible purposes. 

I demand immediate action, including the correction of personal information, removal of unauthorized hard inquiries, and validation or deletion of unverified debts and accounts. Specific requests include the deletion of inaccurate personal information tied to a XXXX XXXX XXXX XXXX, SC, and the removal of several hard inquiries and accounts associated with debt collectors who failed to provide proper validation. 

Failure to comply with these demands may result in legal action as outlined in the FCRA and associated statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I routinely check my report, but this time, I noticed unexpected discrepancies. To rule out a technical glitch, I refreshed my browser, but the inaccurate accounts remained. Given this situation, I request a thorough review of the documents Ive submitted so that I wont have to worry about this issue again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, allowed me to have XXXX XXXX payment plan for my car payment in XXXX for the XXXXXXXX XXXX, in the last year XXXX - XXXX the car was paid off, the account showed as current and XXXX balance, when I verified my credit file in XXXX I discovered XXXX XXXX XXXX XXXX XXXX my account NEGATIVE in all XXXX XXXXXXXX late payments, I did a dispute with them and I sent letter to XXXX and Equifax to XXXX all the negative late payments and they never removed them, my account still remain Negative late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX, please investigate this issue for me because of this matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, I did not authorize or even recognize this inquiry on my Equifax account. I do not have and account with the company so please remove this inquiry from my account. Date : XX/XX/scrub>XXXX XXXX XXXX  Company : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I discovered a credit card that was not opened by me on my credit reports. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I contacted Discover and asked for them to remove the account as I could see on my report that it was opened with a Florida address I've never used. At this time I was completing online classes at XXXX University which is located in Florida. I speculate that this is somehow connected to my information being stolen and used to establish this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings. I periodically check my credit on XXXX XXXX and I have seen that there are hard inquiries that I didnt ask for. There are XXXX in the same date. Im worried that someone is trying to use my credit information or those companies are making changes on my score. My score drop down XXXX points without my consent. <P/>This is what i found in my credit that i do n't recognize 1. XXXX XXXX Last Reported by Equifax XX/XX/XXXX 2. XXXX Last Reported by Equifax XX/XX/XXXX 3. XXXX Last Reported by Equifax XX/XX/XXXX 4. XXXX XXXX XXXX Last Reported by Equifax XX/XX/XXXX - Thanks
Product: Debt collection

I am writing to dispute the transfer of my personal information to ConServe debt collections and other third parties by XXXX XXXX XXXX XXXX ( NFCU ), which I believe violates 15 U.S. Code sections 6801, 6802, and 1681B. XXXX failed to protect my nonpublic personal information, disclosed it without my consent, and may have shared it with XXXX & Transunion without a permissible purpose. I request immediate removal of my personal information from XXXX, all third-party databases, and my consumer report, with confirmation of these actions within 30 days. I have not authorized XXXX XXXX to report any account to TransUnion, and by law, I have repeatedly requested them to remove this from my credit report. However, they have shown no urgency in addressing this matter and seem to believe that the CFPB lacks the authority to enforce compliance. I would appreciate your intervention to ensure that XXXX XXXX XXXX TransUnion takes this issue seriously and acts accordingly. 

XXXX XXXX - REPORTED - TRANSUNION - XXXX - {$18000.00}
Product: Payday loan, title loan, or personal loan

In XXXX or XXXX of 2021 I tried to close all of my accounts ( checking, saving, line of credit ) with US Bank. I called and spoke to a representative who closed the saving and checking accounts and then told me I had {$50.00} I needed to pay off on the reserve line ( it had just been transferred that morning to cover an " overdraft '' charge in my checking account to cover another service charge of theirs- so I had no idea this had happened ), but since my accounts were closed now she could not take money from them to pay it off. She also told me that she could not take money from an outside account to pay it off but that I could do it through the outside accounts I had already linked to their website, online. I tried to do it while I was still on the phone with her to be sure and it wasn't working so she told me just to " try to reconnect them and try again, but that it would take a few days ''.

I kept trying to pay via my external bank accounts for weeks, to no avail. So I called and got passed around to 4 different people in 4 different departments who all assured me the next person would be able to help me. None of them could. This happened several more times during that first month and every month since, everyone gave me different information, no one could help me, and there was always a different department I needed to speak to, so US Bank continued adding interest to this account that was still open and no one could help me pay it. 
Once it passed 30 days since my trying to close it, I kept getting interest piled on to the account. I finally tried to go into a bank in person because I got tired of being passed around to different departments on the phone and via the chat, and ended up having to go to two different branches, neither of which could help me. The second one finally told me she could take my payment but at this point I would have to pay all of the interest to be able to close the account finally OR I could go to my third branch of the day and speak with them to see if they would wave the fee, but they probably wouldn't. She also told me this was my fault because I should have been paying attention. 
This bank is trying to squeeze everything they can out of me in fees when all I want to do is close my account, which they have made impossible. I have no problem paying the original amount of {$50.00} they transferred over without my knowledge, however, I am not paying the excessive interest they keep piling on me because no one knew how to help me close the line of credit account after the others had been closed.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my husband and I attempted to buy tickets on XXXX for the XXXX game. We sent the money to a XXXX XXXX who requested to be sent friends and family who never responded to our follow up messages. I reported it to PayPal as fraudulent and they said nothing was fraudulent about it. My bank was also aware of it that same day.
Product: Credit reporting or other personal consumer reports

This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea how it got there. I routinely check my credit report, but this time, I noticed unexplained discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the issue remained. This situation is extremely frustrating, and I need the documents Ive submitted to be thoroughly reviewed so I can finally have peace of mind.
Product: Debt collection

This company ( AD Astra Recovery Serv ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$6300.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have been investigated and previously removed from my credit report, still the are kept in my credit file. 

These accounts are fraudulent accounts on which the creditor did not comply with the Fair Debt Collection Laws by notifying me and providing means for payment or clarification as for the accounts details. 

These are account are the followings : 1. XXXX XXXX XXXX | XXXX : Original Creditor XXXX   XXXX XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX Balance Owned {$500.00} 2. XXXX XXXX XXXX | XXXX : Account Owner Joint Account Original Creditor XXXX XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX Balance Owned {$650.00} 3. XXXX XXXX XXXX | XXXX : Account Owner Joint Account Original Creditor XXXX XXXX XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX Balance Owned {$4100.00} 4.  XXXX XXXX XXXX XXXX XXXX : Account Owner Individual Account. Original Creditor XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX, Balance Owned {$800.00} I request intimidate action on investigating and removing these accounts from my credit file.
Product: Debt collection

Subject : Request to Cease Contact Regarding Alleged Debt Dear Sir/Madam, I hope this letter finds you well. I am writing to address an ongoing issue that I have been experiencing concerning the receipt of letters from your office regarding an alleged debt. I would like to inform you that I have never entered into any contractual agreement with your company, and therefore, I do not owe you any debt. 

As a third-party debt collector, it is essential that you understand that I have thoroughly reviewed my financial records and have found no evidence of any outstanding debt owed to your company. I kindly request that you stop calling and mailing me regarding this matter immediately. 

I have taken the time to educate myself about consumer laws and my rights in such situations. According to the Fair Debt Collection Practices Act ( FDCPA ), in order for any alleged debt to be considered valid, there must be a valid signed contract between the debtor and the collector. As I have not signed any contract with your company, it is crystal clear that I do not owe you any debt.

I kindly request that you respect my rights as a consumer and cease all communication with me in relation to this alleged debt. Additionally, I would appreciate it if you could remove any negative information related to this debt from my credit report, as it is incorrect and misleading. 

Please understand that any further attempts to contact me or any failure to comply with my request will be considered a violation of the FDCPA, and I will not hesitate to take appropriate legal action to protect my rights. 

Thank you for your immediate attention to this matter. I expect to receive written confirmation from your office within 30 days acknowledging that my request has been honored and that all contact regarding this alleged debt will cease. 

Yours sincerely,
Product: Checking or savings account

My account was closed on XX/XX/2020 on XX/XX/XXXX someone used my supposedly closed account to transfer XXXX XXXX dollars to a secured credit card and spend all of the money on my card. Then 2 checks were sent to me for whatever was left in my account before the fraud and those checks were never received by me they were both cashed by someone forging my signature and depositing the checks I was in custody in the XXXX XXXX XXXX  in XXXX during this time and held until 6 months ago I have been doing everything in my power to get bank of America to help me get my money back but they just will not do anything about it I just finally was able to get the statements from all of my accounts and it shows on them that clearly it was someone else using my accounts to commit fraud and steal my money I just want to get what is mine back the bank was supposed to protect my money and they did nothing of the sort
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no Knowledge of this account ... .Never have done business with XXXX XXXX XXXX I have never received, any contract with this collection agency at all Derogatory marks View all accounts COLLECTIONS XXXX XXXX Opened XX/XX/2020 {$1500.00} Original creditor : XXXX XXXX  XXXX  Overview You have 100 % left to pay on this collection. 
Balance {$1500.00} Highest Balance {$1500.00} Opened XX/XX/2020 ( 1 mo ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX
Product: Mortgage

My official complaint is against Wells Fargo Home Mortgage. They never gave full DISCLOSURE at the signing On XX/XX/XXXX. They, instead, placed me in dishonor with their ambiguous deed of trust. They instructed me not to date my instrument which places me in a position to acquiesce. My home/ domicile became a Residence/business for Wells Fargo Home Mortgage XXXX The Truth in Lender was colorized. XXXX XXXX XXXX became the Trustee and XXXX XXXX XXXX the Beneficiary. My home went into foreclosure in XXXX and Wells Fargo used my signature once again to refinance and make more money off my XXXX XXXX XXXX. They then sold my lifetime promissory note to my domicile to XXXX XXXX XXXX XXXX, another entity that continued with the fraud. COVID-19 hit and I was without a Job. XXXX XXXX XXXX sold my promissory note and AUCTIONED MY DOMICILE  OFF because once again without full disclosure. Wells Fargo continued their fraud scheme and made me homeless in the process. They made me the debtor to the antecedent debt. They transferred positions at the closing Proceedings and they knew that the instrument would transfer my interest to them because the check needed to be dated on XX/XX/XXXX. Not only did they have me acquiesce, but They also separated or bifurcated the security instrument from the promissory note. I had my Deed corrected and filed in land records, but XXXX XXXX  XXXX along with Wells Fargo continued mixing commercial with a consumer loan. I am the Originator as well as the Benefactor of the loan and these persons/businesses ( Wells Fargo XXXX XXXX XXXX, XXXX XXXX XXXX have turned my home for house hold personal use into a business/Residence ( only to make money and to foreclose ) I have no other recourse but to expose the fraud. I have documentation between me, the bank, and the courts that I can provide. If there is any information needed from me please do hesitate to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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, have 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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. 

The Credit bureaus stated my accounts were properly investigated, but how is that possible if the open dates are inaccurate, account numbers are inaccurate, the date last active is inaccurate, and reported balances are inaccurate. 

The Credit bureaus claimed accounts have been verified, but have not provided proof or sent me the original documentation with my signature on it. According to the FCRA, any information that can not be 100 % verified, must be removed. 

The bureaus have violented cease and assist, and have also infringed on my right of primacy on multiple occasions, as well as taking more than 30 days to complete my investigations. 

This ground for removal, they also violated my rights under : 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.