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

I have a Bank of America credit card that earns cash rewards when I use it. I had enough rewards to pay my XXXX statement in full which was {$160.00} with the cash rewards earned. The bill was due on XX/XX/23. The cash rewards of {$160.00} was applied on XX/XX//23 leaving a XXXX  balance. Just receive XXXX statement showing a late payment fee of {$25.00}. Called B of A to have the fee removed and they said that was the fee to use cash rewards for statement balance. Ultimately after much arguing they agreed to waive fee THIS TIME. 
This whole fiasco made no sense to me at all. By the way I pay my bill in full every month. 
What I dont understand is why I would have to pay a fee for cash rewards that I earned using their card.
Product: Debt collection

In XXXX XXXX, American Medical Collection Agency ( AMCA ) reported to XXXX Credit Report Agency an amount due of $ XXXX for an invoice from XXXX XXXX XXXX 

This amount was a billing error on XXXX 's part. They submitted the invoice to the wrong address for my insurance company, and when they resubmitted it, they failed to include necessary information. They continued to bill me in excess of {$900.00} for these services instead of billing me the reduced amount agreed to and contracted with my insurance company. 

It took me months to have them correct the invoice. I began communicating with XXXX at XXXX in XXXX XXXX, but the amount was not corrected until XXXX. During this time, XXXX XXXX told me that a removal of the disputed item from my credit report was impossible without rebilling my insurance company and starting over. XXXX eventually acknowledged their errors and reduced my invoice on XXXX/XXXX/XXXX to the correct amount of {$35.00}, and I promptly paid. 

I called AMCA on XXXX and spoke to XXXX, who said it was their policy to remove the item from Transunion within 45 days. I advised XXXX this was not a PAID bill issue ; it was an INCORRECT reporting issue from XXXX. She agreed and stated the company policy of a 10 business day period to remove the item from my credit. I confirmed that the item should not be marked as PAID, but should be completely REMOVED from my report. 

As of XXXX, the item was still on my XXXX report. I called AMCA and XXXX apologized and said she would investigate. As of today 's XXXX/XXXX/XXXX XXXX update, this item still appears as {$910.00}. 

Reporting a false amount to a credit reporting agency is a violation of the Fair Credit Reporting Act. I believe that XXXX XXXX as well as AMCA both violated this act. 

Today I will contact Transunion to begin a dispute process. 

For your information, there are XXXX complaints on the Better Business Bureau against AMCA for unfair billing practices.
Product: Money transfer, virtual currency, or money service

Before the end of 2023 I sent in documentation via certified mail to receive and cash out my XXXX XXXXXXXX XXXX  XXXX plan since I only worked for them for about 10-11 months. The money has been delayed for several months to receive my check and when I call they can not confirm any details of when a check will be mailed out. They aren't able to give me a response when contacting their customer service agents at Merrill Lynch for that past several months.
Product: Debt collection

On XXXX XXXX a collection with National Credit Adjuster hit my credit before I was legally allowed to validate the debit. I called the collection agency and was told that the letter of notification was sent on XXXX XXXX to inform me of this debt. Im in the process of closing on a home, so I was advised by my financial counselor to pay the debt, as it would negatively affect my closing. The debt was paid on XXXX XXXX and the funds cleared on XXXX XXXX.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Global Lending Services LLC XXXX XXXX XXXX XXXX, SC XXXX Subject : Legal Action for Violation of Cease and Desist Request & Demand for Account Closure Account # XXXX To Whom It May Concern, I am writing to formally notify you that Global Lending Services has willfully violated my cease and desist request by continuing to send billing statements regarding my account # XXXX. Specifically, on XX/XX/XXXX, I received a bill for {$2200.00}, despite my prior written request for all communication to cease under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
As you are aware, under the FDCPA, once a debtor requests that a debt collector cease communication, the collector must comply, except for limited circumstances such as confirming receipt of the request or notifying the debtor of legal action. Sending me a bill constitutes continued collection activity, which is a direct violation of federal law. 
Furthermore, your continued attempts to collect this disputed debt may also violate 15 U.S.C. 1692e, which prohibits false or misleading representations in debt collection, as well as 15 U.S.C. 1692f, which bars unfair practices. Given the inconsistencies in the amounts reported on my account, these continued collection efforts could be considered deceptive. Case law, including XXXX XXXX XXXX v. XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ), has upheld that continued collection attempts after a cease and desist request constitute actionable violations of the FDCPA.
Product: Bank account or service

I had an account with PayPal Credit which was paid and closed. However, PayPal continues to send an invoice each month. Last month ( XX/XX/2017 ) for {$2.00}. This month ( XX/XX/2017 ) for {$4.00}. 
I have contacted the company to no avail.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 high-yield interest savings accounts. Capital One misrepresented the 360 savings account as having one of the nations highest interest rates, yet fail to notify account holders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity in lack of transparency violated, consumer trust and resulted in significant financial losses for many, breaching the consumer Financial Protection Act and the Truth in Savings Act, I seek redress for the misleading practices and failure to fulfill there advertised promises
Product: Credit card

I got a CapitalOne Credit Card about a month ago with an annual fee of {$390.00}. I then booked 4 nights of hotels in XXXX, Nevada from CapitalOne XXXX. The room rate per night is $ XXXXoom which totals to {$400.00}. The " taxes and fees '' charged on the room as seen in the itemized receipt is {$260.00}. I called CapitalOne XXXX to understand the break up of " Taxes and Fees '' and they said they can not offer any more details than the {$260.00} amount. Also, they said, there are no booking fees and this it is only sales tax. The hotel sales tax in the state of Nevada is only 13.5 %. However, what I have been charged is around 66.38 % tax. ( ie $ XXXX $ XXXX ). Clearly, CapitalOne is doing something wrong and need to provide the information requested. 

I believe it is a fiduciary and a legal responsibility of CapitalOne to offer me a breakup of taxes it is charging me. Failing to do so is a classic act of tax fraud for which CapitalOne should be held responsible. 

I am not the only person who has faced this problem. There are countless cases listed on the internet where CapitalOne has failed to offer a proper explanation of taxes and fees it charges for booking done through CapitalOne XXXX. I would appreciate if CFBP takes up this issues and investigates further.
Product: Credit reporting or other personal consumer reports

XXXXXXXX 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 XXXXXXXX All these account were paid and these companies have been cashing the check and then redeeming the coupon which is called double-dipping!!!!!
Product: Credit reporting or other personal consumer reports

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Can you please check the documents? Some of the listed accounts are inaccurate in terms of reporting, with inaccurate amounts and dates.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the erroneous items in my file that resulted from an incorrect credit report information but I still have ITEMS left that needed to be removed. This is my new complaint that I am a victim of inaccurate credit report data and I submit to dispute these inquiries in my file resulting from the crime. The inquiries I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of these inquiries in my credit file that resulted from an inaccurate credit report data. I am also attaching my new FTC report 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 These inquiries are unknown to me. Also, the information you provided on these inquiries was DELETED from other bureaus and I have doubts about their accuracy and the reported history date on these inquiries are a mystery to me. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove 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 is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXXXXXX 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 XXXX XXXX
Product: Debt collection

This company is saying that I owe them {$650.00}. I have never applied here, I have never lived in this place I have no idea why this debt is on my credit report. I have tried to dispute with no luck. This is NOT my debt.
Product: Consumer Loan

I was approved for a {$5200.00} loan after submitting my bank statements and proof of income. I signed the online agreement and received my terms ( I had originally requested {$6500.00} but lowered the amount during the approval process ) .Then, citing a system glitch, I was asked to resign the online agreement, which I did, and the following day received confirmation the loan was approved. 

However, this loan was for the difference of the original amount requested ( {$6500.00} ) and the first approved amount ( {$5200.00} ) and {$1300.00} was what I received. I have all the paperwork proving they approved {$5200.00} and the payment schedule was set. I contacted Avant regarding the error and asked them to correct the mistake. I was told the original loan documents were sent in error and, upon review of my account, they can not approve {$5200.00}. 

While I understand terms and conditions may change during the approval process, my terms were changed AFTER approval and an agreement between the company and myself was signed for the agreed upon amount of {$5200.00}. 

The approval document for {$5200.00} was issued AFTER review and confirmation of my employment, income and credit history, not before, so any claim of an error that resulted in a review of my account finding me unworthy of approval is questionable, if not outright deceptive. 

I believe an error was made, however, I believe it was human error. Instead of acknowledging this, a " system glitch '' was cited rendering the original contract for {$5200.00} invalid and now the company will not rectify the situation to provide the funds originally promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts that I did not consent to be on my consumer credit file. I've sent in several requests to remove unauthorized information on my consumer credit file to this company directly. Instead of removing the accounts, they've chosen to simply " parrot '' verification from untrustworthy sources. Since then, they have even allowed more accounts to report on my file. They have willfully chosen not to comply with my demands. I have attached a document detailing my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous complaints to the XXXX credit bureaus indicating the numerous errors being reported on my consumer reports. They all claim that they have verified that all information being reported is accurate. However, this is not the case. I am now in a position where I am unable to secure employment, buy a house, and Im unable to build up my business all due to the credit bureaus refusal to report accurately. Please remove all negative and inaccurate information in my reports. This whole situation is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please see attachments. The attachments display all inaccuracies and unverified information. I am not requesting any more investigations, I want everything deleted from my reports that is negative and inaccurate. Do not investigate! Delete this XXXX XXXX now!
Product: Credit card

I was informed by credit-wise credit through my bank that a credit card had been opened in my name using my SS #. I contacted the credit card bank, Premier Bank, and was told by one of their representatives that an account was opened in my name using my SS # but the card was mailed to a different address. I informed the representative that I did not open an account and wished for the account to be permanently closed and was informed they would handle it. I also contacted XXXX 's XXXX XXXX company and filed a claim with them. I was assigned a representative to handle my claim. We have been communicating with Premier Bank Credit Card since XX/XX/2023 to solve this issue. I have signed and returned copies of the affidavit of unsolicited credit card statements along with copies of my DL and contacted the company by telephone to try and get this issue resolved but still have not been able to get it settled. 

On Thursday, XX/XX/2023, I received a call from Premier Bank indicating that the payment for the credit card is overdue and I'm responsible for it even though I'm disputing opening the account and was told I needed to file a police report.
Product: Credit card or prepaid card

When we opened our AmEx statement in XXXX XXXX we found 67 charges for {$100.00} from XXXX over a one week period for a total charge of {$6800.00}. We had not made any charges to that company, so we contacted American Express to dispute the charges and to get new cards. 
On XX/XX/2021 they sent a letter crediting our account XXXX, and we thought the matter was closed. 
We we were wrong. American Express sent us a letter dated XX/XX/2021 stating that XXXX XXXX ( my husband ) had released his account number to a Merchant and because because of that they were closing our fraud dispute. That that they had also processed a debit adjustment to our account to reverse our previously issued credit. Our XXXX statement showed the charges back. 
We sent several letters to American Express with little results. Calling their Customer Service line got us nothing until, in XXXX, I got a person named XXXX. He told me that it was an American Express phone call in XXXX with XXXX XXXX where he was asked if the XXXX charges were valid and he had said they were. 

He, ( XXXX XXXX remembers that call but what this hard of hearing XXXX XXXX XXXX thought that they had ask were the charges INVALID and I had said yes. 

We have mailed several more letters to American Express and made more calls to Customer Service line with no results XXXX ' hearing mistake on that XXXX phone call is why American Express will not open any dispute or fraud investigation on the {$6800.00} Amount of Loss {$6800.00} Incident Date XX/XX/2021 XXXX
Product: Mortgage

My insurance sent bsi a payment for a claim loss. Bsi was supposed to send the money out within 10 days, they said they would mail the next day. When I didnt get the check in the mail I called them, they still had not sent the check out. They said the person that was supposed to do that overlooked it. I called yesterday and couldnt talk to anyone and again today. I was on hold and they told me I couldnt keep holding, the office didnt close until XXXX and that someone would call me back before they closed today. Well, I called back and the recording says they were closed at XXXX. They are flat out lying to me and wont release money I desperately need to fix my home
Product: Student loan

XX/XX/18 I called in to Navient to discuss options concerning a payment. I explained that terms of the loan have gotten out of hand due to excessive forbearance that has been continually pushed by Navient. I reluctantly used this option in the past as a way to stop credit reporting as I continue to attempt to build my credit. I was expecting some sort of deal that would stop credit reporting and what i was offered was a program that " may '' end up dropping my rate. I explained that I needed a lower payment as this payment is currently out of my budget. The response of the two representatives I spoke with was appalling. The first lady I spoke with insisted that I make a payment towards the past due balance now. I questioned her as to how the credit reporting would go. She claimed that it would report 30 days less then what is reporting now. I questioned her on the original amount of the loan and how it has doubled. she claims that excessive forbearance is the reason. When I told her that I would need to call back when i am able to make a payment she questioned me about why I needed to call back and why I couldn't give her an account number to " post date '' now. I explained that i did not know which account i would be able to use so I was comfortable doing that. She became irritated and sent me to another representative to " check the account '' for me. The next representative apparently thought she would shame me out of the money. After i explained that I didn't have the payment she began interrogating my as to where my money was and why i couldn't pay. After about ten minuets explaining my situation she begins making the most rude and unprofessional comments. " Well how's the new truck, the truck you got in XXXX. '' " I explained to her that its great I am able to get my family around and get to work everyday. '' I proceeded to ask why she thought it was necessary to speak to me as if she had personally given me money to pay Navient back. She continued to push and ask why no payment has been made since XXXX, to which i respond I have been stuck between a rock and a hard place, and I really don't appreciate your professionalism when it was me that called in to rectify the situation. After an hour long, conversation I was frustrated to the point of hanging up the phone, I do now wish to deal with Navient and their scams or unprofessional representatives.
Product: Credit card

Chase charged interest on an account that was paid before the due date in full -- actually more than the balance due was paid before the due date. The account is and has been for years set to be paid automatically in full before the due date. This has occurred each month for years of having this account. However, on XX/XX/XXXX I was charged {$50.00} in interest even though the account had an automatic payment made and deducted by Chase for the full amount due on XX/XX/XXXX, which was before the due date. An additional manual payment was made on XX/XX/XXXX as that is always set up to be automatic each month as it has been for years for this account. 

Even though Chase themselves manages the automatic payment for the full amount before the due date, and that was completed for the full amount before the due date, they still charged interest after the payment was made. 

Upon a long call with Chase and multiple people, they admit that they have an error in their bookkeeping system and need to resolve. Even though they recognize that they have an error in their bookkeeping system, they are not automatically removing the errant interest charges and instead requiring customers like myself to go thru an exhausting process and multiple representatives to resolve these false charges. This may be affecting every one of their account holders.
Product: Debt collection

according to these XXXX accounts that is reporting on my credit report they have been XXXX and or written off as a total loss meaning they reported them to the IRS and then sold to a third party debt collector. I have reported them to the Irs and filed a 3949A form. for falsely reporting income and not sending 1099 's for it being a loss to they company and they then sold my information to a third party without my consent still trying to collect on this paid off account. they also reporting inquires that I sent in validation that I have not applied for a automobile.
Product: Student loan

Recently I decided to move to Sofi to refinance my student loans to a lower rate. A representative from SoFi informed me on the phone that if I have a Sofi Savings Account, I will get a 0.125 % discount for my student loan refinance. So I did. I opened the savings account. When my loan was funded, I see now that the promised 0.125 % discount never materialized. When I called SoFi, they said that I needed to have a positive balance in the Savings Account. I mentioned to the representative that no one said anything to me on the required balance amount. The representative said even a {$1.00} of balance would have helped you with your discount. 

So basically based on the miss-information and the promise of the 0.125 % discount that Sofi provided, I moved to SoFi. Not only I did not get it, but also the representative did not even try to work out a solution. SoFi has the recordings from that day and if you listen to it, you will hear the miss-information. I have attached the recording from my conversation with SoFi representative that he agreed for me to record from today 's call. 

This is not right that a company gets away from giving miss information and the consumer is left alone to the corner after they get my business. I could have gone to another company with a lower rate like XXXX XXXX, but choose SoFi based on the additional discount.