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

On XX/XX/2018 I received an updated credit report from XXXX   and XXXX and noticed Capital one is reporting the incorrect balance and is misstating the balance due. 

What is being reported is {$64.00} when it should be {$9.00}, this {$64.00} balance was updated on XX/XX/2018. 

The balance was changed to {$64.00} weeks later after the {$9.00} balance was reported, this has caused my credit score to drop several points and my utilization to increase to 6 %. 

I spoke with a Capital one representative on XX/XX/2018 around XXXX and was told that it is the Credit bureaus who is reporting inaccurate information and was instructed to contact all 4 bureaus to dispute that information.
Product: Credit card or prepaid card

I've been having problems with over draft fees and account problems for over five years and have paid off the fees no problem with fraud issues throughout that time. in beginning of XX/XX/2020 with the coronavirus pandemic. I opened up a credit card to protect my id and towards the end of XXXX I closed it down. I asked Bank of America how can I cancel my card. I went into a branch office to close this account and spoke to a consultant they said pay off the balance and close the account, so I did. anyways XXXX or XXXX of 2020 I got an email from this account saying i am delinquent in my payments so i called the fraud department at bank of america to talk to them about my credit card account and explained it to them for 2 and a half hours on the phone to talk about my issues. the fraud department said they would look into it and call me back or send me a text message regarding the problems with my credit card account i closed in XXXX. in XXXX or XXXX of 2020 I got an email telling me that they sent me to collections. well my dad sold his house. i was trying to rent a house/apartment. i passed the background check and also had the income to rent the property. So I was denied credit. meanwhile I live with my dad and my XXXX children. so with my bad credit I was denied housing. so now I have to file a identity theft complaint and credit card theft so i can get my good name back. this problem needs to be solved. thank you. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the author of this complaint and I checked my credit report and noticed that there are inaccurate negative accounts and the credit bureaus did not do a reasonable investigation. 

Fraudulent acounts : 1. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Late Payments to Update : 1. XXXX Inquiries to remove : 1. XXXX 2. XXXX - XXXX 3. XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX XXXX 9. XXXX
Product: Credit card or prepaid card

Discover we XX/XX/19 Discover Financial XX/XX/19 All credit inquiries
Product: Credit card

I called Capitol One in XXXX to ask when my promotional APR expired and when I had to pay the balance to avoid receiving any interest fees. The representative told me that if I paid my balance off by XX/XX/XXXX then I would not receive any fees, so I paid the balance on XX/XX/XXXX. 

On XX/XX/XXXX I was charged {$73.00} in interest. I called their customer service line on XX/XX/XXXX to ask why I was charged interest when I had until XX/XX/XXXX to pay off my balance. I was then told that I had to pay it off by XX/XX/XXXX not XX/XX/XXXX. When asked why I was told XX/XX/XXXX previously the response was " sorry for the misinformation ''. 

I do not have any information from Capitol One on when the promo APR expired and it is not included on the account statement. I called for help and was given incorrect information. I'm not sure what else I could have done to avoid this and Capitol One refused to take responsibility or assist in any way. I feel like I was lied to so I would have to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TRANSUNION Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please fix and update the following accounts from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX  bill showing on my credit report for {$74.00}. I don't know when I had XXXX XXXX but it was over 10 years ago. My credit report shows a bill opened XX/XX/19 on my credit report that is not mine that I recall at this time it is inaccurate. At least not here in Florida. I have been here for four years now.
Product: Credit reporting or other personal consumer reports

The balance on my Auot loan is incorrect.
Product: Money transfer, virtual currency, or money service

Cash app is charging me an overdraft of XXXX dollars. This is impossible for me to owe them that money based on the way the app works. There was a glitch in the app and it claims that I withdrew XXXX dollars from cash app which is impossible to do. A person can only withdraw money from their bank account only if there's money within their account but it is not possible to withdraw money from cash app. Cash app didn't offer me a cash advance, the app glitched and cash app has yet to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I successfully filed for chapter XXXX bankruptcy on XX/XX/2020. I did It is now XX/XX/XXXX and I am still receiving derogatory remarks on my credit report from credit companies stating that " You have one or more accounts showing missed payments or derogatory indicators. '' and " You have a serious delinquency or derogatory indicator. ''
Product: Credit reporting or other personal consumer reports

Recently I reviewed a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to gain credit, its my understanding that the credit bureau will investigate this information on my behalf. Here are the accounts Im asking you to verify as accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To avoid delays from the company I have added proof of address, social security, and my state issued drivers license.
Product: Debt collection

I paid my account in full a couple of years ago. The company reported the exact same debt twice on my credit report and refuses to fix it ( original debt was with XXXX  ). They told me to dispute it and they'd allow me to remove it that way, but when i disputed, they just verified the debt and didn't remove it. My credit dropped 60 points and I'm currently under contract to buy a home!!! This is so unfair!!!!
Product: Credit card or prepaid card

I sent Bank Of America, N.A an affidavit stating that my consumer rights had been violated. A few weeks later my account was closed after doing so, and they have now hired an attorney for this alleged debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account number : 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 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 seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I discovered that my name is inaccurately represented on my credit reports from XXXX, XXXX, and Equifax. The incorrect name listed includes XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, instead of my actual name, which is XXXX XXXX XXXX. 

This issue first came to my attention on XXXX XXXX when I reviewed my credit reports. I immediately contacted each credit reporting agency to clarify the situation and requested corrections. During my calls, I was informed that they had no record of my correct name associated with my credit history, which led me to believe that my personal information had not been accurately documented or updated. 

Despite my efforts to provide necessary documentation, court order, department of motor vehicle photo identification ], the inaccuracies remain unresolved as of XXXX XXXX. I have also filed disputes with each agency but have not received the necessary updates. 

The discrepancies in my name could potentially affect my creditworthiness and access to credit, which is why I am taking these steps to ensure that my information is recorded accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

OSLA Student Loans have me in the collection status, and the account was not late. 

I may not have passed a Secret Background for this matter. I called and disputed this situation several times.
Product: Bank account or service

on XX/XX/XXXX my wallet was stolen and my chase debit and chase credit cards were used the same night it was stolen before i woke up. i recieved a txt alert from chase credit about the credit card being used and replied that it was not authorized. they also used my debit card with a chip for {$610.00}. that morning i reported it and chase replaced the funds into my acount. on XX/XX/XXXX chase took the {$610.00} dollars back out of my account reversing the claim. when i called chase about it they said there isnt enough evidence that i wasnt the one who used the card
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 41 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

All three credit bureaus XXXX XXXX Trans Union are showing my Student loans with balances in which my loans has been paid in full. This adverse information is harming my credit report with this inaccurate information reporting.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX XXXX
Product: Mortgage

on XX/XX/2023 i received a letter from my bank telling me that the net monthly payment went up from XXXX to XXXX so we talked to the company and they told us that the escrow account balance is up and we have shortage too. 

so now they asking me to pay every month another XXXX extra. and there explanation that the county tax went up and the insurance too. 
and they don't offered any help about. they didn't show any document to support what they saying
Product: Credit card or prepaid card

Im concerned about unfair interest terms on my Citibank credit cards, and I would suppose this would apply to other banks as well. 

I usually pay off my monthly balance, which is typically a few thousand dollars. A few weeks back, I accidentally missed paying the full amount by about {$1.00}. Citibank charged me {$55.00} interest on that {$1.00}. These are not exact numbers but they are very close and will certainly illustrate my point.

I called the bank about this to find that their policy is to charge interest on the FULL monthly balance when a partial payment is made. The rep explained to me that if I have a monthly statement balance of {$5000.00} and I make an on time payment of {$4900.00}, that I would be charged interest ON THE ENTIRE {$5000.00}.

How can this be right? Legal or not, this is clearly taking unfair advantage of the consumer. Common sense says this should be changed. Id like to hear your thoughts on this.

Thanks
Product: Vehicle loan or lease

I purchased this vehicle in XXXX in XXXX I believe. Because I already had an active loan with this company but the car they gave me before broke down within 6 months to a year. And then I purchased the XXXX XXXX XXXX in XXXX of XXXX it was a trade in. I would say in XXXX of XXXX they told me they replaced my motor mounts because the car was vibrating pretty bad. In XXXX of XXXX I got my alignment done and the control arm and ball joint, from XXXX XXXX. In XXXX of XXXX I went in to get brakes done at XXXX XXXX XXXX, and they told me all my shocks are gone in the vehicle and they explained to me that it was wear and tear that was already on the vehicle. I recently went in to get my car serviced on XX/XX/XXXX, because its been giving off a very toxic strong smell. And I am concerned that the vehicle is giving off CO in the cabin. I was told that my motor mounts are blown and they are saying its XXXX to replace all 3. Steering and suspension control arm w/ball joints needs to be replaced and that cost XXXX and loaded struts assemblies need to be fixed as well and that came out to be XXXX. And these are all major peoples. And my active loan in XXXX. The blue book value on the vehicle is XXXX. I have stayed up on my maintenance as far as tires, oil changes etc. And I still have until XXXX to reach my maturity date, I just dont want this car to break down before I even pay it off.
Product: Debt collection

I received a letter from a debt collector regarding a debt that is not mine. I am a victim of identity theft. The debt collector is National Credit Systems , INC and the original creditor is XXXX XXXXXXXX XXXX / XXXX. I have never lived at, applied or done any business with this apartment complex. I have lived at my address for years, I still live there and have no intention of moving. This debt is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this matter regarding an alleged debt with   XXXX   XXXX   and the credit bureaus. However I have been assisted in no way by any of the mentioned parties. I have never had a  XXXX  account. I contacted the company and ask them to provide me with a contract that would show I agreed to any sort of terms and conditions and they failed to do so. They provided me a partial bill that had some sort of return deposit, early termination fees, and usage charges for a number that does not belong to me. What they failed to provide me with is a contract or any documentation that I signed. After receiving no resolution with  XXXX  I then contacted the credit bureaus my credit report was updated as account meets FCRA requirements but no documentation was provided to me on how they validated this account. After th e 2nd att empt my report has been updated to say reinvestigation accounts meets FCRA requirements consumer disagrees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification that LoanCare placed a missed payment on my XXXX   credit report as of XXXX XXXX. I paid my mortgage as agreed.
Product: Mortgage

Hello! 
On XX/XX/2020 I had ordered a payoff letter from Selene Finance, as my home is being sold. I followed on XX/XX/2020 with the agent, and he said the payoff had been mailed, and he promised to email it to me as well. I just called Selene Finance, and I was routed to some representative 's voice mail. 
Please, help me to receive a payoff letter from Selene Finance as the closing is on XXXX 

Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has failed to provide validation/verification for negative inquire showing on credit reports. I have sent correspondence via certified mail and a reply has gone unanswered. I expect creditor to remove entry from credit report for not answering certified mail. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Alabama XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX and Ability Recovery Services , LLC regarding a debt they claim I owe under the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I dispute the validity of this debt and would like to explain why I am not liable for it. 

I do not have a contract or any other agreement with either XXXX XXXX XXXX or Ability Recovery Services , LLC that would make me responsible for this debt. Despite my repeated requests, Ability Recovery Services , LLC has failed to provide me with the original contract or any documentation that proves I am liable for this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I requested that Ability Recovery Services , LLC provide the original contract or any documentation verifying this debt. They have not complied with this request. This failure to provide the necessary documentation further indicates that this debt is not valid. 

Given these points, I am requesting that the XXXX take immediate action to investigate this matter and assist in the removal of this account from my records. The actions of XXXX XXXX XXXX and Ability Recovery Services , LLC are causing undue stress and could potentially harm my credit report. 

I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your assistance.
Product: Vehicle loan or lease

A new XXXX XXXX XXXX we leased with Ally Bank on XX/XX/XXXX for 42 months with a mileage allowance of XXXX miles with excess miles to be charged at {$0.00} per mile. ( XXXX XXXX # is XXXX ). Additional damage protection was purchased which included protection for {$400.00} of excess mileage, i.e. 2,000 more miles bringing total maximum allowed miles to 37,043 before excess mileage would be charged. 
The leased vehicle suffered a total loss due to Hurricane Ian on XX/XX/XXXX. Actual mileage at time of loss was 31,500 as reported on " CCC One Market Valuation Report '' prepared for the insurance provider and Ally, who received considerably more than the lease buyout agreement and has claimed and kept {$3200.00} for " Excess Mileage Charge Owed '' and has only refunded to me a balance of {$92.00}. This would be equivalent to a claimed 16,157 miles over and above the basic 35,043 miles allowed, bringing the total mileage of the car to 51,200. They are denying any knowledge of the additional 2,000 mile protection, but that is moot as the vehicle was still 3,543 miles below the total lease allowance. 
Attached is the letter from Ally, the CCC One Valuation and a Mopar Extended Warranty purchased for the XXXX on XX/XX/XXXX which shows the mileage then as 30,001 - it would have been almost impossible to add over 21,000 miles in exactly 2 months.

Every attempt to get answers to the letter that Ally sent on XX/XX/XXXX claiming we owed {$3200.00} for excess mileage has resulted in misdirection and obfuscation. This is either a gross miscalculation bordering on negligence or a deliberate attempt at fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, the USPS forwarded a letter to me from Equifax Information Services LLC. Equifax had addressed the letter, dated XXXX XX/XX/2021, to a XXXXyear old address that is no longer on my Equifax credit profile. THIS ADDRESS IS NOT BEING REPORTED AS CURRENT BY ANY CREDITOR. I was unable to dispute the address online with Equifax because it's not listed on my Equifax credit profile as my current or previous address. Equifax was made aware of this issue several months ago but has refused to cease sending mail to former addresses. Equifax refuses to cease sending my personal credit file to wrong addresses, subjecting me to identity theft.
Product: Credit card

I called to this company in good faith to receive information on an account with a credit card i had with them which was charged off. The information i requested was not rendered to me I wanted to know about My accounts receivable and the asset-backed securities that were created therefrom, this company requested my full social to access the account after i verified who i was through the automated system and voice. After i told the supervisor i was uncomfortable giving her my full social and let her know it was against the law U.S Code 522a1. This is my big dilemma, and they refused to give me the securities I requested.
Product: Student loan

I suspect Discover student loans are making it difficult for consumers to log in to their accounts as my account never remembers my password, and I need to go through the entire " forget password '' process to regain access to my account. I called a representative a while ago about this and was suggested to change/update my browser but that did not help. I have a password manager that tracks my password but it still does not remember my account, I've even logged out and then tried getting back in a minute later and the system does not remember me. 

This may be far-fetched but if the company is making it more difficult for their consumers to access their accounts then some people may not log in and begin the repayment process or are less likely to review their accounts.