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

I purchased an XXXX  for {$180.00} on XX/XX/XXXX. On XX/XX/XXXX, I cancelled the reservation for a 50 % refund. I was unhappy with a 50 % refund, so I started a dispute with CITI. 

On XX/XX/XXXX, I received a notice from CITI that they were going to reverse the dispute and charged me {$93.00}. A {$90.00} refund had been received but I had also received a {$93.00} penalty, so I ended up paying more than the cost of the XXXX  for something that I had cancelled and received services from.
Product: Credit reporting

Equifax has not sent me back results of this for XXXX months, I attached the dispute pending that has been that status for XXXX months, they are doing nothing
Product: Credit card

I opened a Bank of America rewards credit card on XX/XX/2023 because they offered a XXXX XXXX  bonus if {$1000.00} was spent within 90 days. I spent the {$1000.00} dollars and my billing cycle ended on XX/XX/2023. On XX/XX/2023 the bank closed my credit card for no reason. 

This company is notorious for issues with their rewards, and I was unaware of this until after they have done this and I looked up the issue. 

Their decison to close my account because I earned my rewards was to attempt to try and prevent the rewards from being used, as their contract says all rewards are lost upon closure of the account for any other reason than owner request or due to inactivity.. Luckily, I had already used my rewards before they had closed the account. 

However, this attempt to not pay the rewards is going to severely affect my credit score. As my FICO score is currently XXXX and the remaining ~ {$3000.00} dollars on the BoA credit card was counted as " unused credit '' for purposes of my " credit usage '' calculation. 

It is likely that this unlawful and deceptive action of closing my account in an attempt to withold the rewards will decrease my credit score by more than XXXX  points.
Product: Credit reporting or other personal consumer reports

Victim of identity theft asked credit bureaus and companies to correct and remove information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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
Product: Credit card or prepaid card

American Express ' response to previous complaints is unsatifisfactory.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and I noticed that I have XXXX medical debt collections on my XXXX and XXXX credit report. 

The collection was reported to the credit bureau on XX/XX/XXXX. 

My date of service at the hospital was XX/XX/XXXX - XX/XX/XXXX. 

That is a direct violation of XXXX and the No Surprises Act. 

This is also a direct violation of the XXXX  as the credit bureau 's are inaccurately reporting a medical collection debt that clearly violates XXXX and No Surprises Act. 

According to the XXXX XXXX XXXX  XXXX, medical debts can not be reported to credit bureaus until they are at least XXXX  days past the date of first delinquency/service. With date of service being XX/XX/XXXX, and the collection being reported on XX/XX/XXXX, that is less than XXXX  days and is a direct violation of XXXX. 

According to the No Surprises Act, providers must give patients an opportunity to resolve billing disputes before sending them to collections. I disputed the hospital charges as they were excessive with my insurance company and my insurance company was working that out with the hospital when I received a collection letter in the mail. 

I have attached my medical bill from the hospital showing the dates of service. I also attached proof of the payments I was making while I was waiting on my insurance company to resolve the dispute. I also attached the certified letter and mail receipts I sent to the secondary reporting agencies.
Product: Debt collection

On XX/XX/2019 I was contacted by XXXX XXXX XXXX XXXX regarding a debt that I have no acknowledge owing. They told me I was being sued for over {$4000.00}. I never had a debt owing that much in my life! They also informed me that they would be going to my place of employment and serving me with court papers at my job! I informed them that by law I have to be given a written documentation of validation of any debt owed under the fair credit reporting act. I have 30 days to review this information, and have a right to dispute for any inaccuracies. This is the law! They directed me to the new owner of this debt LP services Group. They forced me into settling, but did not keep the agreement. I was put on the spot! Called me up out of the blue and informed me that I am being sued. No documentation on it what so ever! I was informed later that week by the owner of my employer that they called up there threatening the owner to give them my personal contact information. I could of lost my job because of them. I have did some research and they have a lot of different harassment complaints against them. They have fake lawsuit claims, no acknowledge of them even owing these debts, threatening people of a lawsuit that is mis leading, calling up their employer, trying to claim more than what the original debt is owed ( 3 or 4X ). They have violated my rights under the fair credit reporting act, have harassed me, threatened me, and have threatened my employer, and trying to collect 3X of what the original debt is for. They are trying to tact on a ridiculous amount for their outside recovery company ( {$3000.00} ). This is a solid case of harassment and want to file a complaint against them for harassment! Here are the details of what I received. BTW, after looking into this debt, It looks like its a fraudulent account. Im planning to file a police report. They took {$100.00} from me for putting me on the spot! Said there is a judgement against me, but nothing ever was reported to the credit agencies of any judgements! 

XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Original Account # XXXX File # XXXX Credit reports claim this is for a {$300.00} credit card, charged off at {$520.00}. This company is trying to get {$1400.00} for this account! 

LP Services Group XXXX XXXX XXXX XXXX. 
XXXX, CA. XXXX ( XXXX ) XXXX ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Equifax but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX  XXXX XXXX ( account reported duplicate )
Product: Debt collection

Debt does not include my name! Attempted to resolve via phone contact several times after they repeatedly called asking for the wrong person. The harassing calls I received began on my end XX/XX/2024 and still. They have added a false alias to my credit report which Ive never heard of which is also the nake they state when calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2016 I recieved an unlawful detainer it was for a no money judgement it was only for posession of the property. That being said the property was recieved on XX/XX/2016. This matter is still showing up on my credit report even though there is no debt amount i have exausted all measures to try and dispute it with the credit beauro and the credit reporting agency i have also reached out for legal help and no one is able to resolve this issue. The legal aid i did reach out to does not understand why it is showing up on my credit report at all seeing as there is no debt amount. This matter is preventing me from getting housing and i am currently homless
Product: Credit card

On XX/XX/XXXX, I authorized a merchant a one-time charge in the amount of {$1400.00}. While the card was in their possession, I was charged multiple times for the same thing ( without my knowledge or authorization ). The unauthorized charges were for {$2300.00}, {$5600.00}, {$4000.00} and {$10000.00}. Totaling {$21000.00}! I reached out to American Express immediately to notify them I did not authorize the additional XXXX charges. Over the next XXXX months a fraud case was opened and closed XXXX times- with no resolution or backing from my bank. As a card holder ( of over 30 years ), I should be protected by the Fair Credit Billing Act. After a new case was opened, and contacting XXXX multiple times each month, the response was the same - " we see these charges as valid, as you provided your card to the merchant. '' True, but I did NOT authorize the additional XXXX charges. The merchant provided fake receipts with handwritten charges/tips, and signatures that weren't mine ( that's fraud ), but somehow this good enough for American Express XXXX This left me speechless. 

My last call to XXXX was on XX/XX/XXXX, only to be told that they would not reopen the case and that I was basically stuck with the $ XXXX in fraudulent charges. I've never felt so disrespected and mistreated by a company in my life. Their customer service and loyalty to card holder is non-existent. I need restitution for the fraudulent $ XXXX of charges that XXXX will not refund me. My plan is to get restitution and close my account immediately!
Product: Credit card or prepaid card

XX/XX/XXXX I got a {$1500.00} cash advance from Discover Card. As of XX/XX/XXXX Discover has me still owing {$1400.00} on this cash advance. I have paid over {$1000.00} in interest and still being charged interest. I made a {$1000.00} payment on XX/XX/XXXX and still owe {$1400.00} on this XXXX year- old cash advance. I offered to make another {$1500.00} payment so I would not continue to pay interest on this cash advance but was told I would still continue to pay interest on the cash advance until I pay the balance of {$3900.00} in full according to XXXX who identified herself as my account manager and account supervisor on XX/XX/XXXX. 
This interest rate is unfair and too much! 
Note : I never missed a payment. XX/XX/XXXX I made a {$1000.00} payment. I made two {$200.00} payments and at other times made more than the minimum payment to pay down the balance on this Discover Card. The interest rate causes the balance to continuously increase rather than decrease.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Amount owed was not XXXX it was XXXX. This amount and Charge off happened during where I was under the impression that Chase due to Covid relief was to put the amount to Forbearance or allow myself to have lower payments due to XXXX.
Product: Debt collection

Ive been contacted multiple times by multiple numbers demanding payment. This debt has been bought by the company the original creditor allegedly sold. However the debt buyer refused to provide a verification of the purchase to legally collect this collection.
Product: Student loan

I applied to the SAVE repayment plan in XXXX XXXX times. In XX/XX/2023 my application was finally processed and I was placed in the SAVE plan. I was also automatically entered in deferment due to being in school. I requested and filled out paperwork in XX/XX/2023 to have automatic deferment removed from my account. This was not correctly processed and In XX/XX/2023 I was removed from deferment and the save plan and placed back into a local plan. I just want to be placed on the SAVE plan and not automatically be entered into deferment. I have been attempting this since XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$5100.00}
Product: Credit reporting or other personal consumer reports

I am formally disputing the inaccurate and unfair reporting of my Capital One account, which was randomly closed without notice and incorrectly reported as a charge-off and placed in collections. 

What Happened : Capital One closed my account without any prior notice, violating fair lending and credit reporting practices. 
I was never informed in advance that my account would be closed or that a charge-off would occur. 
Capital One failed to provide due process, meaning I was never given an opportunity to remedy any alleged issues before they took drastic action. 
The unfair charge-off has severely damaged my credit and does not accurately reflect my consumer history.

Why This Is a Violation : Fair Credit Reporting Act ( FCRA ) Violation ( 15 U.S.C. 1681s-2 ) Capital One is required to report fair and accurate information, and this forced closure does not meet those standards. 
Failure to Notify I was never given any notice that my account would be closed or reported as a charge-off.

Unfair Credit Damage This unjust charge-off has caused significant harm to my credit score, and Capital One has provided no legitimate basis for it.
Product: Credit card

In XX/XX/XXXX, I financed a purchase using a XXXX XXXX-interest financing plan provided by Comenity Bank. The promotional period was set to expire on XX/XX/XXXX. Unfortunately, I missed the deadline to pay off the balance in full, resulting in an interest charge of {$3100.00} being applied to my account on XX/XX/XXXX. 

Due to my XXXX at the time of the purchase, I experienced significant memory loss and do not recall the terms of the financing plan being clearly communicated to me. As a result, I was unaware of the exact implications of not paying off the balance before the promotional period ended. 

Upon realizing the mistake, I contacted Comenity Bank 's customer service to explain the situation and request a waiver or reduction of the accrued interest charges. Despite my efforts to resolve the issue and my willingness to pay off the remaining balance immediately, I have not yet received a satisfactory resolution. 

I am seeking assistance in resolving this matter by having the interest charges waived or reduced, considering the circumstances surrounding the initial purchase and the lack of clear communication regarding the financing terms. 

Actions Taken XX/XX/XXXX : Financed a purchase with a XXXX XXXX-interest plan. 
XX/XX/XXXX : XXXX period expired. 
XX/XX/XXXX : {$3100.00} in interest charges applied. 
XX/XX/XXXX : XXXX Comenity Bank customer service to request a waiver/reduction of the charges. 
XX/XX/XXXX : XXXX Comenity Bank customer service and talked to supervisor to request a waiver/reduction of the charges. I was informed the charges could not be waived or reduced. 

No personal information, such as my name, account number, or address, is included in this summary. I am prepared to provide additional details if required to help identify my account and resolve the issue.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, 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 card

A person I know has tried to apply for a credit card with Chase bank twice under my maiden name. Thankfully i have a credit freeze. However, this person is still trying to use my identity to acquire a card with chase bank. The first time i had no issue getting the situation handled and application marked as fraud .... 


The second time i was hung up on and then transferred between multiple departments and the application was never closed or marked as fraud.
Product: Credit card or prepaid card

Called Capital One Bank on several times to try an resolve the ongoing problem not my card but they wont remove it off my credit bureau it's been almost three years
Product: Debt collection

I entered into a consumer credit transaction with Carvana LLC on XX/XX/2020. A consumer credit transaction is a transaction in which a finance charge is involved, the finance charge in this case being in the amount of {$11000.00}. Pursuant to 15 USC 1605, a finance charge is the sum of all charges in a consumer credit transaction but all charges have not been included in the finance charge.. In my knowing that the finance charge is the sum of all charges, I was not expecting any bills from XXXX XXXX or anyone else. However, on XX/XX/2020 I received a bill from XXXX in the amount of {$390.00}, and they have sent me a bill every month since then XXXX attempting to collect a debt that I do not owe, which is a violation of federal law XXXX XXXX XXXX ( XXXX ) which states that the collection or the attempt to collect of any amount is not permitted. I have sent both parties ; Carvana and XXXX an Affidavit of Truth stating the facts of the violations committed against me along with exhibits, Ive also sent them a Cease and Desist demanding civil liability remedy for violating my consumer rights, as well as an invoice demanding payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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: Vehicle loan or lease

I have a loan out with Credit acceptance and I'm struggling to pay it due to financial hardship and being g on fixed income. I am paying almost XXXX dollars for a car that cost XXXX and I feel like that is way to much money for the car I got. I can't afford this. I have had to take out loans and borrow money too fix the problems thus car keeps giving me I'm in debt over this car. I feel I'm being charged way to much for this car. I should have been done paying g on this car but no I still have XXXX XXXX to go amd have paid XXXX it's been a real bad experience for me getting this car and loan.
Product: Debt collection

See attachment! 

Subject : Immediate Removal of Nonpublic Personal Financial Information NOTICE TO CEO, XXXX & XXXX XXXX I am writing to demand the immediate removal of my nonpublic personal financial information from my credit report, as it has been accessed and reported without my consent or lawful authority. This unauthorized action violates my privacy rights and breaches the XXXX XXXX. 
I hereby request that Amerassist AR Solutions take the following actions within 15 days : 1. Delete all records of my nonpublic personal financial information from my credit report.

2. Provide an updated credit report reflecting the removal.

Failure to comply will lead me to file complaints with the Federal Trade Commission ( FTC ) and [ Your State ] Attorney General for unauthorized access, fraud, and violations of the Gramm-Leach-Bliley Act. 

Please confirm your actions and provide an updated credit report showing the required changes to my records. 
Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried called them concerning my payment the conversation didn't go well they are very unprofessional company. Yet I still couldn't make a payment and if you look at my payment history I do very well since I had this credit. 
I've been racially profiled against from Citi shell credit card.
Product: Checking or savings account

XXXX XXXX  I received my tax refund from the IRS. I transferred {$500.00} twice through XXXX XXXX, a third party, & deposited it to my Chime account ( due to transferring funds, amount changed ). The next day Chime sent an email saying they put my account on hold for unusual activities & stated I needed to show proof of funds, identification, proof of source of funds showing Im the intended recipient and my government issued ID. I have sent in at least 10 different documents supporting my claim that this unusual activity was not fraud. They still never sent out my refund check, never re-opened my account, NOTHING! They said they would send out a closure check within 3-5 business days, I have waited at least 3-4 months & never received it. I lost my job because CHIME held my funds after I provided them all the documents they requested. I couldnt XXXX to work or get my truck fixed because of that.
Product: Money transfer, virtual currency, or money service

My account was deactivated after they confirmed my documents