23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I signed up for the US Airways credit card with the promise of a XXXX bonus miles and {$99.00} companion ticket. I did not receive either of these benefits. The card was combined into the XXXX card early in 2015. I was told when Us Airways merged with American those benefits ceased. However the promotion was during the merger process that it was offered. I was not told that it would go away. I was charged 2 yearly fees and I have not been able to get a refund. I have since canceled the card. I feeI that I am at least due a refund for the yearly fee.
Product: Debt collection

Hi, The debt collection agency, Debt Recovery Solutions LLC, just placed an 8 year old discharged debt on my credit report as " In Collections '' and reported the date of the debt as XX/XX/2021. This is false reporting and has hurt my ability to obtain a lower interest rate on a home loan that I need to close within 45 days. I found out about the debt on my report when I applied for the loan. Terrible timing and a good example of illegal debt collection tactics by this debt collection agency. 

The original debt was with XXXX, I believe it says, and it looks like they purchased the debt from them, or another debt collection agency. Also, I never received any notice from this company informing me of their intentions to illegally pursue an 8 year old debt in the state of GA where the statute of limitations is 4 years. To make matters worse, I am fairly certain that the {$11000.00} they are reporting is much higher amount than the original amount owed. 

All I have are the last four digits of the account number, XXXX. I've attempted to call Debt Recovery Solutions but have not reached anyone to discuss the issue. After talking with someone who has had this happen before, they advised me to not talk to anyone at the agency as they will attempt to get you to agree that you owe the debt, therefore allowing them to place the debt on my credit report and seek full payment as if I owed the debt today, not 8 to 10 years ago. 

Can you help me resolve this issue and provide me information on the best way to seek damages from the collection agency. It's very disheartening to see a company do this to people in a time such as this. I am attaching a screenshot from XXXX. It's the only information I have for the collections debt. Thank you for any help you can provide. 

Sincerely, XXXX
Product: Credit card or prepaid card

Hello. I have had the Capital One Quick Silver XXXX XXXX for awhile. Every year there is a {$39.00} annual fee. I got XXXX  and XXXX  of it because all of their commercials including the one most recently playing on TV is about the same exact card I had before I closed it. They told me they couldn't upgrade this account to no annual fee as the purpose of the card was to build my credit. I think that is a bunch of malarkey. I also asked if they could transfer my credit limit under the XXXX XXXX card to my Capital One XXXX XXXX. Answer was no. I am complaining about misleading advertising about the terms and conditions of their cards by saying that " none of their cards have an annual fee '' and that the XXXX XXXX card has no annual fee. AK
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

[ IE ] Re : Equifax Fraud Complaint XXXX XXXX XXXX XXXX ; XXXX ; XXXX other From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX Last 4 Digits of Social Security Number : XXXX Phone Number : XXXX XX/XX/XXXX To Whom It May Concern, Dispute Department I am writing to formally dispute several inaccuracies on my XXXX credit report. Below are the details of my disputes : **Dispute 1 : ** **Account Information : ** - **Account Name : ** XXXX XXXX  - **Phone Number : ** ( XXXX ) XXXX - **Address : ** XXXX XXXX XXXX, XXXX, DE XXXX - **Account Number : ** XXXX The account and its reported balance do not align with my financial history. I have previously submitted multiple disputes, an identity theft affidavit, a fraud report, and a police report regarding this matter, yet no corrections have been made to date. 

**Dispute 2 : ** **Account Information : ** - **Account Name : ** XXXX XXXX  - **Bank Name : ** XXXX XXXX  - XXXX Number : ** ( XXXX ) XXXX - **Address : ** XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Similarly , the account and its balance do not belong to me. This issue also pertains to identity theft and fraud. I have submitted all relevant documentation required for resolution multiple times, but the inaccuracies persist. It is crucial that the incorrect balance on this account is addressed promptly, as I have reported this as a case of identity theft. 

Thank you for your attention to these matters. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Claim number XXXX. I disputed a charge and Bank of America chose to believe the merchant over me. They denied my claim and said that the evidence the merchant submitted was compelling and didnt even ask me if I had a rebuttal. XXXX told me they would reduce my cell phone bill but that it would not happen immediately, I said since it wont happen immediately then cancel it. They then said it would show up on my next bill cycle even after I told them to cancel it. This happened in XXXX, 3 bill cycles have gone by and I have not received the service they claim to have given me. My phone bills are attached along with their email saying they would give me a refund. What compelling evidence did XXXX  give you?? Why didnt Bank of America ask me if I had anything else to add once the merchant refuted the charge? For Bank of America to assume my claim is false just because the merchant responded and said something different speaks volumes on how they really value their customers, and then tell me to fax them some documents and my claim may be  reconsidered??? I dont think so. If my account is charged for this amount on XX/XX/2018 I will take legal action against Bank of America and not XXXX.
Product: Credit card or prepaid card

On XX/XX/2022 a FINANCE CHARGE of {$430.00} for a purchase of {$1000.00} was added on my XXXX XXXX XXXX Credit Card issued from Comenity Capital Bank. 
This is about an instant 43 % interest rate added on my original purchase price ( {$1000.00} ), and I was not told anything about this when my credit card was used. 
When the purchase was made, I was told by the representative that it would be 2 years interest free, but Comenity Bank changed this to 18 months and added a fee of {$430.00}. They showed me printout terms with type of signature that it seems electronic copy of signature!!!! 
I called Costumer Service and informed them about. I spoke with about four different representatives, and I even told them that I'm willing to pay the full amount of the balance on the card ( without this unapproved extra charge ), but no solution was given. I was constantly told that it is my responsibility to check credit card statements so I can check when this credit card company shows all added fees. According to them it is not necessary to know upfront anything about extra fees and extra charges, if everything shows on their credit card statements. 
This is very unfair practice. The customer should know upfront about all the fees, especially when a credit card company adds a fee over 43 % of original purchase!!!!!
Product: Debt collection

Please help, I have disputed these charges several times and now they are on my credit file inaccurate and false. I lived in this apartment complex for four years, gave the proper notice and moved out. I'm now finding out I'm being charged for carpet, paint etc. which is inaccurate and that should be normal wear and tear and the landlords responsibility. There was no damages at all. The charges are inaccurate and I do not owe. Please help
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my accounts vulnerable and unprotected and canceled. Furthermore, their dispute resolution process was/is unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconviences and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

Sent a XXXX to someone and I didn't receive the product purchased. Also paid my XXXX  twice due to phone number not being linked.
Product: Debt collection

I keep getting called about debt its been seven years and debt is still being reported. As a result I am unable to purchase a home. Also I was contacted by IRS and was force to pay the IRS because the credit card debt was charged off and taxed as chargeable income.
Product: Debt collection

I got a mail from " Credit Collection Services '' regarding to a bill from " XXXX XXXX '' with XXXX unpaid bill on XX/XX/XXXX. The file number is XXXX XXXX XXXX. And the DOS is XX/XX/XXXX. 

Since I never use this service and can't recognize the bill, I wrote a certified mail to " Credit Collection Services '' on XX/XX/XXXX to ask for verification of this debt. However, I didn't get any verification of this debt from Credit Collection Services at all. Instead, this company keeps on sending mail for the debt and report this debt on my credit report.
Product: Debt collection

I have contacted several times and disputed with a few companies to get this collection removed Due to identity theft UNAUTHORIZED CHARGES I am not familiar with XXXX I disputed this through XXXX if you guys do not remove this collections off my credit report i will exercise my rights to the Ohio Attorney General and make this news media if this is not removed! Please remove this so i don't have to keep sending in complaints and letters repeatedly weekly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute an inaccurate entry on my credit report. The account in question is listed under XXXX XXXX XXXX XXXX, with a reported balance of {$940.00} and marked as Placed for Collection. After reviewing the information, I believe this account has been reported inaccurately, and I request a thorough investigation into the following discrepancies : 1. Account Status : The account is listed as Open while simultaneously marked as Placed for Collection. This dual status is contradictory and raises questions about the accuracy of the reporting.

2. Balance Verification : The reported balance of {$940.00} is incorrect based on my records, and I request validation of this amount.

3. Remarks : The remarks indicate that the account is in Collection, but no detailed information has been provided to substantiate this claim, such as original account statements or documentation from XXXX, the original creditor. 
These inaccuracies are significant and negatively impact my credit report. I am requesting that you verify the information with XXXX XXXX XXXX XXXX and provide documentation from XXXX to support the reporting. If the information can not be verified, I respectfully request that this account be corrected or removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 
Please confirm receipt of this dispute and provide me with the results of your investigation as soon as possible. 
Thank you for your time and attention to this matter.
Product: Debt collection

I hope this letter finds you well. Over the past several months, I have noticed a pattern of late payments on my credit report XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a copy of the latest report from EXPERIAN. I have previously submitted a police report # stating I was a victim of identity theft. Someone claimed my on their taxes in 2014. I have fraud alerts on my credit files I thought. This report shows SEVERAL addresses I have never lived at around the same time frames but all different locations. How is this ever possible. If EXPERIAN was truly verifying information they would see there are multiple address around the same time and some in different states, this is a red flag. The items Highlighted in YELLOW are the address I have never lived at. These are all VIOLATIONS and shows EXPERIANS consistent willful noncompliance with inaccurately and incompletely reporting fraudulent information that does not belong to me.
Product: Checking or savings account

I had my debit card, credit card, and cell phone stolen on XX/XX/21 in XXXX, TN. In the early morning hours, the thief attempted to use my credit card at a XXXX, but the transaction was declined because it was recognized as fraud. However, the thief was able to find my PIN number in my phone, and pulled out {$1000.00} from an ATM over 4 transactions, and then spent {$2100.00} at a XXXX over another four transactions. I reported the fraudulent transactions on XX/XX/21 as soon as I noticed the fraudulent charges. Chase has denied my fraud claim because they said that I made my PIN available to the public, even though it was obtained through theft. I spoke with several different customer representatives, and they informed me that they could not do anything about it. However, I believe that I should only be held responsible for {$50.00} since I reported the fraudulent transactions within 2 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts on my credit report do not appear to be mine. There are also missed payments that are inaccurate.
Product: Debt collection

Midwest Recovery Systems have placed a collections account on my credit report. I have never had an account with them and I do n't know what this collection is for. I 've never receive any information regarding this account and would like for it to be removed from my credit report.
Product: Credit card

I have never missed a payment on my XXXX card. Synchrony Bank is raising interest rates, I guess across the board, to XXXX %. This is insane.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised from a numerous amount of sources after my id was lost / stolen. I been a victim of the dark web and of the XXXX  breach, all this has lead to unauthorized and unknown accounts that has caused my credit file to a ruin. I have demand a Method of Verification inwhich gives the credit reporting agencies the authority to report such findings. I'm now demanding that the inquirys associated with these accounts be removed and blocked from my credit files. Any inquiries made prior to today Friday, XX/XX/2020 we done fraudulently and or in association with this breach. All inquiries performed by me and credit profile concerns are Handled through XXXX XXXX and most recently XXXX XXXX. 

Furthermore the below reference account has not been removed from my XXXX  profile though it has been removed and blocked from my credit profile by both transunion and XXXX. However XXXX  fails to comply and remove the account. 

Collection account : XXXX XXXX XXXX {$450.00}
Product: Debt collection

XX/XX/XXXX : I first recieved a notice that I was being sued by Lyons, Doughty & Veldhuis ( LDV ) regarding an alleged debt. 

XX/XX/XXXX : I filed a response/opposition and was notified by LDV that this matter was no longer being pursued. 

XX/XX/XXXX : A notice for a default judgement was sent to an address of a home that I do not own. I was never given a summons with a court date for which I needed to appear. 

Amongst many other shady tactics, the fact that this company pulled this stunt during the middle of the 2nd wave of a pandemic for which I have lost MULTIPLE loved ones is inhumane to say the least!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a co-signer on my daughters ( whos a veteran ) XXXX XXXX account. Prior to the co-signing, my credit scores averaged between XXXX and over XXXX. Now, it has dropped to an average of XXXX to XXXX. Its enough of a drop that in researching to apply for a home modification loan, Ive been told that it will affect the results of a new loan. The credit companies are basing this on one sole late payment, caused by the militarys red tape in adjusting my daughters XXXX status, which is why it was necessary for her to have a co-signer. Why should this be allowed, especially since she hasnt had a late payment for almost 3 years. Is it necessary to affect two individuals lives based on one late  payment? As a recently retired XXXX ( XX/XX/2019 ) it is crucial that I maintain good credit scores, which if not for the one late payment would be flawless. Furthermore, as a Veteran on XXXX, it causes undue stress and hardship on my daughter, as well as on me. The credit companys overzealous action is unequivocally uncalled for, and therefore, Im asking that it be removed from my report, and hopefully, from my daughters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note that the mentioned companies listed are not entitled to check my credit history, it is not authorized, I never received any correspondence from them, I don't have an account with them and therefore must be deleted from all my credit reports XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

the balance of XXXX XXXX account number : XXXX its XXXX and it shows as {$310.00}
Product: Mortgage

In XXXX hey girlfriend at the time and I got an FHA refinance loan on the property we have lived on for 3 years to pay off homeowner and a lien. I stated numerous times prior to closing and throughout the process to add my name to title. The girlfriend at the time had no job, zero income, and no credit. My job history and credit qualified for the loan. We both did separate applications and both of us stated in our application that title will be held in both of our names. Since my credit in job history qualify for the loan I should have became primary borrower not a cosigner for FHA rules and guidelines do not permit co-signers unless they are blood related or married. Throughout our whole closing documents I am not mentioned as a cosigner only borrower. Trusting my lender and Title Company in  good faith that they took care of all that we requested before closing. Come to find out summer of XX/XX/XXXXmy name was not on title. FHA requires all borrowers and co-borrowers to take title at closing. I've been fighting with them for many many months to correct this and they keep giving me the runaround saying that they made a phone call to her and ask her how she wanted the the deed too big 3 months before closing and she stated just keep it in my name only. I never knew about this and quite frankly it sounds made up. I've heard that this is an illegal practice. I have made 100 % of all the mortgage payments and 100 % of all the payments 3 years prior to our mortgage and now my children and I are being evicted out of the house on an unlawful detainer when she found out her name was the only one on there. I have spent thousands of dollars and many many hours trying to correct this and Quicken Loans nor Title Company will do anything. They did not follow FHA rules and guidelines for all borrowers and co-borrowers must take title to the property at closing I think I should have been told about the phone call since it was my loan or I never would have gotten the loan. Now I'm stuck on a tenants-in-common mortgage and we still liable for the debt but have no ownership rights and have no place to go. Neither title company or lender will admit their wrongdoing and handling our mortgage process. I how to put tens of thousand dollars into this property and have to walk away for the cops will be here any day to remove me from the home payments are all current and I've lost all equity I spoke with them today to do a scrivener 's error to correct this they refused. They have also appraise the property at application for times higher than what it was worth. I don't know what else I can do they will not budge. They need to correct this problem immediately before more damages occur if I have no home for my children I will lose custody. This is a huge colossal mess that they have caused in my life. They have denied any wrongdoing everything in closing documents are signed and initialed stating I should be on title and they're telling me a phone call changed all that. This needs to be resolved immediately thank you.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention a matter of great concern regarding my accounts with your institution. It has come to my notice that several unauthorized accounts have been opened in my name without my consent, and I have fallen victim to identity theft. 

Given the seriousness of this situation, I kindly request that a thorough reinvestigation be conducted into these accounts at the earliest convenience. I would like to provide any necessary information or documentation to assist in the resolution of this matter promptly. 

The unauthorized activities on these accounts have caused me a great deal of distress and inconvenience, and I trust that your institution will take the necessary steps to rectify the situation and prevent any further misuse of my personal information. 

I urge you to prioritize this matter and keep me informed of the progress and outcome of the reinvestigation. I appreciate your attention to this urgent issue and look forward to a swift resolution. 

Thank you for your prompt action on this matter.