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

I made a payment over the phone to a company that accepted credit card as a form of payment. Without any warning or communication, Bank of America charged a {$400.00} fee for the purchase. I called bofa to inquire and was told the merchant ran the charge as a cash advance which triggered the fee. Bank of America refused to adjust the fee, and refused to allow me to file a dispute of the fee. I contacted the merchant who told me he did not run a cash advance on my card, but rather a credit sale. He told me its impossible for him to get a cash advance using my card info over the phone. So Bank of America has charged me a fee of {$400.00} on a credit card charge, and they are refusing to reverse the charge. I have spoken to 3 different representatives including one supervisor, and my wife spoke to 3 reps including one supervisor. All 6 have insisted the fee can not be reversed. Had I been  informed that a fee would be triggered by the transaction, I would have paid by check. This is the most unfair charge And experience Ive ever encountered.
Product: Credit card

Hello, someone open a credit card on my name without my knowledge They charged multiple times & amounts I need your help to solve this issue Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, XXXX XXXX XXXX XXXX came to my door to shampoo 3 rooms, and I let them. Long 3 hours went by, and I knew my credit would not be approved because I was not working, my husband is the only one. So, I said sure, run my credit. Well, a few min later, they said I was approved. I asked the salesman how, and he said they only used my info, but used my husbands earnings. Anyway, later that night, I explained to husband, he said nope, they jipped me. In the meantime, I was supposed to go on my email to sign the financial loan documents. I had 3 days to rescind and give vacuum back. I looked on my email, started doing paperwork, then I quit. I was asked on a form for my drivers license info, I actually never finished the paperwork. I also in the meantime tried to contact the salesman to please come back and get vacuum. I could not get him, his boss. I tried for over a week. Well, after that, one of the reps from XXXX said that XXXX XXXX needed my drivers license info, that I needed to call them or the contract was void. I never gave them info, and never actually seen a contract containing my interest or anything. The XXXX salesman had put all my info in the site and set me up for auto pay. Long story short, a couple months passed, I got out the owners manual to learn how to use the attachments. I found a copy of my credit app folded in it. The salesman had wrote in that I got XXXX a month XXXX!! Really!! Its such a ripoff all the way around. Please, please help with this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on several occasions to reach Equifax, I have emailed, called, stayed on hold, no response. They say they will call back, again no response. They have charged me a fee of XXXX and I am not getting that service. When you go to their website all it gives you is an error, but I have been charged. The XXXX time I did get someone, while I was on the phone with them, I received an alert that says my Equifax email was updated to the existing email I already have. I have never changed my email. I questioned the agent, who is offshore, all he said was " so what do you want it to be ''. He then sends me some text alert. He never acknowledges my concern. I try and call back of course as usual, never receive any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2020 As A Consumer By Law This Inquiry Must Be Removed Immediately. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 As A Consumer By Law This Inquiry Must Be Removed Immediately. 5. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 6. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 7. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 8. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 9. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 10. Identity Theft XXXX XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 11. Identity Theft XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 12. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 13. Identity Theft XXXX XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 14. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 15. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 16. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit reporting or other personal consumer reports

, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Dear Experian Executive Office, I have been reaching out for some time regarding issues with my credit report, and resolving this has been quite a challenge. While I appreciate that progress has been made, I want to emphasize the importance of this issue and the urgency of fixing it. 

My XXXX credit report shows an account from XXXX XXXX  that does not belong to me. This situation is a case of fraud and identity theft. I have previously sent multiple letters to you regarding this matter, requesting the removal of this account from my credit report. I have attached several of those letters from XXXX for your reference, and I hope you can finally remove this invalid account. 

This appears to be the last erroneous account on my XXXX credit report. Once it is removed, I will return to a more average credit standing. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Trying to get {$110.00} out of my account every month when that bank calls me and I'll always get a fraud alert because of this company and I told them I paid them off and on the app they haven't updated it it still says 2024
Product: Mortgage

I have a conventional mortgage on my home in XXXX XXXX, Maryland. The mortgage initially was serviced by XXXX XXXX XXXX, but effective XX/XX/XXXX, XXXX XXXX XXXX began servicing the mortgage. My account number is XXXX. 
XXXX  XXXX XXXX  is now XXXX. 

In XXXX, I prepaid in full real estate taxes of {$510000.00} that were going to be due in XXXX to XXXX XXXX, Maryland. Nevertheless, a monthly amount was placed by the mortgage servicing company in escrow during XXXX to cover those taxes. 

On XX/XX/XXXX, XXXX  XXXX XXXX  notified me that it had received a refund check from XXXX XXXX, Maryland for the XXXX taxes I had prepaid. It said the refund was due to my overpayment of my real estate taxes. XXXX XXXX XXXX  said it would pay this surplus to me " when your mortgage account goes through the next schedule annual analysis. '' However, by the middle of XXXX, I had not received the refund of {$5100.00}. I called XXXX XXXX XXXX in XXXX to ask about the refund. The representative told me that the next review for Maryland accounts would be conducted shortly, and that I would receive half the refund in XXXX and half in XXXX. 

I did not receive any refund in XXXX or by XXXX, XXXX. I called XXXX  XXXX XXXX in XXXX and asked about the refund. The representative told me that the next review of Maryland accounts would be conducted in XXXX and that I would receive the refund later in XXXX or XXXX. 

I did not receive any refund in XXXX. I called XXXX to complain. A representative told me that the review for Maryland accounts would be conducted in XXXX, and that I would receive the refund in XXXX. 

To date, I have receive no refund. My three telephone calls supposedly were recorded, so XXXX has a record of my complaints. I am convinced this is a scam by XXXX to hold on and use my money for as long as possible, depriving me of the refund and the interest I could have earned on it. I doubt I am the only consumer affected by this scam. 

I ask you to investigate and compel XXXX to pay my my refund of {$5100.00} with interest back to XX/XX/XXXX.
Product: Credit card or prepaid card

I opened a new store credit card account at Best Buy ( serviced through Citi ) on XXXX XX/XX/2020. I then charged a purchase of {$4000.00} to the card. My intent was to take advantage of a promotion they offered for the first purchase on a new store card and then pay off the balance in full when the bill came, following the appropriate grace period. However, before I even received my credit card in the mail, I received the bill on XXXX XX/XX/2020. The due date on the bill was XXXX XX/XX/2020. I was shocked that they had only given me only 19 days ' notice to pay the bill. I called them on XXXX XX/XX/2020 to see why I was not given at least 21 days ' notice / grace period to pay the bill, and I requested an extension that would give me sufficient time to pay before interest and fees would start accruing. However, they refused to change the due date, asserting that they were in compliance with the law. Upon further digging, I learned that as soon as I made the purchase, they closed the billing cycle on XXXX XX/XX/2020 and then mailed out the bill, expecting me to pay immediately, without sufficient notice. This is clearly an attempt to surprise new customers with large bills and short due dates to force them into a position where they can only make the minimum payment on a large purchase, so they can charge high interest rates in perpetuity. This is predatory lending at its worst.
Product: Credit reporting or other personal consumer reports

Shellpoint Mortgage Servicing initially report to all major credit reporting agencies that the loan I had with them for a " BOAT '' was a charge off and a property mortgage, in XXXX. It has taken me over XXXX  years to try to correct this information with the major credit bureaus. In XXXX of XXXX, I received a letter from Shellpoint Mortgage, correcting this information. Shellpoint stated in their letter that they would copy all major credit reporting agencies to reflect the following : The account in question and originally reported in XXXX was paid in full and not a charge off. 

The account in question type was corrected from a home mortgage to a " Non-Mortgage Account ''. 
To date none of the reporting agencies has corrected this issues. Please be advised that I also contacted Shellpoint Mortgage yesterday regarding this matter. They stated that they can not send this information again to the reporting agencies, as it has already been sent already. I would need to contact each of the agencies in questions and file a dispute report with them, regarding Shellpoint. The representative I spoke with yesterday stated that he would mail me a " New '' letter, restating the information in the XX/XX/XXXX Letter. I have attached a copy of the XX/XX/XXXX letter for your review. I only want to get this information corrected on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ha ve a Perkins  student loan that is currently in repayment status. In  XXXX  o f 2016, m y lender,   XXXX   XXXX  , decided to transfer my loan to a new servicer :  XXXX   XXXX . My promissory note requires that my account information be provided to  XXXX  of the credit reporting agencies, and my lender requires that  XXXX   XXXX  report specifically to Equifax. However,  XXXX   XXXX  has only reported my account information to Equifax  one ( 1 ) time  since becoming the loan servicer. Therefore, I believe   XXXX   XXXX   and  XXXX   XXXX  has been in violation of the promissory note fo r fifteen ( 15 ) of the last sixteen ( 16 ) months. I hav e been in contact with both  XXXX   XXXX  and   XXXX   XXXX   regarding this issue since lat e 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 607, the reporting agency must ensure maximum accuracy of the information contained in my credit report. I have disputed the following items multiple times : XXXX - This is not my account. I do not have a signed contract with this company for services. 

XXXX  XXXX - This is not my account. No contract or agreement in place. 

US bankruptcy- I never filed for bankruptcy. I changed my mind shortly after completing paperwork. A payment plan was not entered, nor did I go to court. After deciding not to pursue the bankruptcy, it still somehow ended up on my credit report. This item should be removed. I have disputed it multiple times. My attorney also sent a letter to confirm what I said XXXX XXXX - This agency is a debt buyer and I do not owe them money. The contract was cancelled. 

XXXX  XXXX  - This agency is a debt buyer and I do not owe them money. The contract was cancelled XXXX - This agency is a debt buyer and I do not owe them money. The contract was cancelled. 

XXXX XXXX XXXX - The contract wS cancelled many years ago and I do not owe them money These items should be promptly removed from my credit report
Product: Credit card

When buying from XXXX using it's Chase XXXX card XXXX is offered a no interest pay-over-time option. On the billing statement an amount is described as an interest free payment amount. It is easy to think this is one 's pay-over-time total yet when paying the 'amount due ' interest is charged.The characterization is misleading. What it really means is that if one pays the total account balance there is no interest charged. It should be much clearer to the consumer. The interest free pay-over-time amount should be shown separately from the account total.
Product: Credit card or prepaid card

This is involving my credit card account with Barclays Bank. 

My XXXX statement was released on XX/XX/XXXX for the period between XX/XX/XXXX - XX/XX/XXXX The statement started with a {$0.00} balance, I pay the card off in full every month, and I made {$500.00} in purchases during the XXXX statement period. The full amount due was {$500.00} and the payment due date was XX/XX/XXXX. 

I made a payment in the amount of {$500.00} on XX/XX/XXXX. That payment was reversed the same day due to insufficient funds in my bank, and the payment was resubmitted and successfully went through XX/XX/XXXX. 

An interest charge of {$0.00} was added to my account on XX/XX/XXXX, after initial payment was reversed. However, because the the payment wasn't due until XX/XX/XXXX, there was never any " Balance Subject to Interest '' in my account at any point and interest should not have been charged. 

On XX/XX/XXXX I spoke to a customer service representative about this interest charge, who said that the interest had been assessed correctly, but that she would add a " credit '' to my account in the amount of {$0.00}. 

On XX/XX/XXXX, this credit had not posted to my account. I spoke to three customer service representatives who did not acknowledge the error and also said that interest had been assessed correctly. They did not see a credit added to my account, but added the credit again, which I saw successfully posted. I requested a callback from a supervisor at Barclays to address the initial error. 

On XX/XX/XXXX, I received a callback from a customer service representative who initially refused to acknowledge that an error had been made. After 20 minutes, she put me on hold to look into my account again, and said that the interest charge was a result of a " banking error '' On XX/XX/XXXX, I reviewed my monthly statement for the XXXX period and saw that it reflected a " Purchase Interest Charge '' of {$0.00} with an " Interest Charge Adjustment '' ( made manually, after multiple phone calls ) of - {$0.00}. 

On XX/XX/XXXX, I called customer service to get confirmation that their banking error had been fixed and that I would not be impacted again. The representative told me that it was not a banking error, and that I was properly charged interest. No notes had been made in my file that a banking error occurred, or that there was any action taken to address the error in Barclay 's system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had one open credit card with XXXX XXXXXXXX XXXX for which my online account was set up with automatic payments of the minimum payment monthly. In XXXX, XXXX, I was offered another credit card and a new account was opened and added to my existing account with auto pay. I didn't use this card at all for the first few months but was being charged a XXXX XXXX  monthly fee. By XX/XX/XXXX, I got an alert that my payment was past due. When I contacted XXXX, they said that they made a business decision to do away with offering automatic payments for clients, but that those who had auto payments already established were grandfathered in. 

My new card was added to my existing online account and I under the impression that auto payments were also applied to my new card. I disputed this 30 day late notice on my credit report through XXXX, but it's still showing up on my credit reports as 30 days past due which has negatively impacted my ability to obtain a XXXX loan.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and discovered the presence of variations of my name that are incorrect and potentially damaging to my creditworthiness. The inaccurate variations include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is imperative that you rectify this situation promptly by removing any names on my credit report that deviate from my full and legal name, XXXX XXXX XXXX. Failure to do so not only constitutes a violation of the FCRA but also exposes Experian to potential legal action. 

The FCRA, under Section 1681s-2 ( a ) ( 1 ) ( A ), requires consumer reporting agencies to follow reasonable procedures to ensure the accuracy of the information they report. The inclusion of incorrect variations of my name is a clear violation of this provision!

I am requesting the following actions : Immediate removal of all incorrect variations of my name from my credit report mentioned above. 
Confirmation, in writing, that my credit report now accurately reflects only my full and legal name, XXXX XXXX XXXX. 

A free copy of my updated credit report sent to my address once the corrections have been made. 

Please be advised that if these corrections are not made within 30 days from the date of this letter, I reserve the right to pursue legal action for violations of the FCRA. This may include seeking damages for any harm caused to my creditworthiness as a result of the inaccurate information. 

I expect your prompt attention to this matter and appreciate your cooperation in resolving this issue. You can contact by mail at XXXX XXXX XXXX XXXX XXXX MO XXXX to communicate any updates or to request further information. 

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

I noticed some unauthorized inquiries on my Transunion credit report. Per TransUnion 's rules, a FTC identity theft report has to be filed in order to get them removed. I completed the report and mailed it into TransUnion. I called them to follow up on the removal of the inquiries and was told that my account was being handled by a supervisor and was immediately transferred to one. The first thing I asked was why is my account being handled by a supervisor. I was told that it's because there was a fraudulent report received. I said ok if the report was received why haven't the inquiries been removed? She stated that because the freeze was lifted online when the inquiries were made. I said well isn't that the point of filing a FTC identity theft report?? Isn't that the way most identities are stolen, online?? Someone hack 's your information and uses it for fraudulent purposes! Who are you to tell me that my information wasn't stolen?? I want every inquiry dated XX/XX/2023 and after removed from my credit report immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

IC SYSTEMS COLLECTIONS I am writing to request that this account collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and upon looking at my credit report I saw that this company national XXXX XXXX put an account on my Credit Report Account # XXXX with a balance of {$430.00} They have contacted me through email which is a violation of the FCRA my rights 15 U.S. 1692 ( YOU HAVE A RIGHT TO PRIVACY ). I have never agreed to do any business with National Credit Adjusters, nor have I signed a contract to do any business or service with your company. I'm a Victim of Identity Theft and I have included it with this complaint with Your name XXXX XXXX XXXX and Account # XXXX. I ask that you send me a copy of the purchase agreement and that you also Cease and Desist all Collections on this XXXX and that you it be Deleted from all Reporting Agencies and Credit Bureaus XXXX XXXX XXXX XXXX TransUnion and XXXX and XXXX XXXX too Thanks. 

Sincerely, XXXX XXXX XXXX