23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Bank of America mis applied my payments to the wrong balance transfer promotion and is charging me interest on the new balance. They are also NOT recognizing a " Check Cash Advance '' promotional balance at the correct interest rate. I was told that " you ca n't write/depsoit a check to yourself and deposit it in your own bank account. '' When I asked for the person to show me where it says that on the marketing brochure for the promotion, she referred me to the XXXX office. I spoke to someone in their XXXX office, which apparently handles disputes such as this and I was told, " The bank had a major computer glitch earlier in the year that mis applied and mis calculated interest. XXXX accounts were effected and I assure you we are working to resolve the problem. You will see interest accumulate over the next several months on your statement but do n't worry about it, we are rectifying the problem and all fees and interest will be credited back to you at a later date. '' She could not give me a reference # of my dispute and asked me to call back in a month or so. The promotional balances on my statement do n't even add up to the entire balance due noted at the top of the statement. Further to this point of major computer errors, XXXX of the promotional balances appears to have shifted a decimal point and shows {$10000.00} in my favor. I compared to the previous statement and it 's clearly a computer error. My concern is that they will try and rectify the problem without any oversight and who knows how many XXXX of card holders will not even notice an error has been made and end up paying XXXX dollars of erroneous interest to the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX to determine my correct balance with is current and accurate. 

I update Experian that my BAL on the Creditor XXXX was incorrect- my BAL was lower than reporting which is accurate. I took a screen shot before I submitted the dispute and another screenshot afterwards. Experian update the BAL to the correct information and I reviewed concerns of irregular reporting from creditor and/or report. 

Once my BAL was update from XXXX to XXXX due to Experian incorrect reporting- my credit score was then drop XXXX  points. I made a complaint to Experian directly and I was told there is nothing they can do. 

I explained to Experian this was an error on their part- in fact illegal to report in accurate information and I request information to reflect the reason for decrease in score. 

I was informed they would look into it. Please assist me in rectify this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Supposedly I owe the amount of {$310.00} dollars to collection agency XXXX XXXX XXXX XXXX. At around the time in question I was still out of it, and was on some XXXX medications from my second XXXX. I had in home care, and am still XXXX from my XXXX XXXX. I would love to see the paperwork or some kind of proof that it 's mine, I could n't even have signed anything.
Product: Credit card or prepaid card

I ordered a XXXX XXXX on my wells fargo credit card and I received a tracking # for my order shortly after, after contacting the merchant to cancel the order when I never received my item in a reasonable time frame, I was sent an item [ tee shirt ] in a matter of days with the tracking # that was supposed to be a XXXX, after contacting the merchant I was told by them that my item was sent with the tracking # that was sent to me which is not accurate.I contacted my wells fargo credit card company explaining in detail the events that transpired with pictures of my original order for a XXXX and pictures of the small envelope that a tee shirt was sent to me in. Wells Fargo SEEMED to understand the details of the deception the merchant created in trying to secure payment for a much cheaper inferior item I did not order. I today [ XX/XX/2022 ] received notice my wells fargo credit card company closed my dispute in favor of the merchant because the company provided a tracking #. I never said I never received a delivery with the tracking # provided to me but I did not receive anything remotely close to the item that was ordered by me. I believe wells fargo did not investigate my dispute for the reasons I detailed to them in my original statement and feel they are NOT protecting me as a consumer for fraudulent/ deceitful acts by a corrupt merchant. wells fargo does have relevant pictures and documents of original order and deceptive shipment that was sent to me.
Product: Credit card

Experian refuses to allow me to Dispute the XXXX XXXX XXXXXXXX account as closed since XX/XX/XXXX. Please reach out to both XXXX and Experian and make them dispute this as a closed account. 

XXXX XXXX Submitted warning Disputes submission failed! 

XXXX XXXX XXXXXXXX Account closed Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. If you do have additional information, you can You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward. 

Still have questions? 
Our Experian Dispute Specialists are available to assist you. When calling, use Report # XXXX. 
Mon - Fri : XXXX to XXXX XXXX Contact us : ( XXXX ) XXXX Customer Service
Product: Credit reporting or other personal consumer reports

Kindly inform the JPMCB - AUTO FINANCE that I did not authorize them to get a copy of my file please have them send an email or a letter to remove the inquiry in my credit file from the 3 bureaus. This inquiry is affecting my credit report.
Product: Credit reporting or other personal consumer reports

I did not authorize XXXX XXXX on XX/XX/year> and XXXX on XX/XX/year> to pull my credit file, these where fraudulent attempts to get credit cards in my name, i would like these inquiries investigated and removed from my credit file.
Product: Credit card or prepaid card

On XX/XX/XXXX ( before my payment due date ) I called in to CitiBank to see if they had any available programs in reference to Coronavirus or COVID19. I was transferred around until I landed on an agent that supposedly could help. I explicitly stated that I could pay my regular bill at the time. I was simply calling in to see if they had any deferment programs so that i could save my cash to use for groceries and such. The agent said she understood and offered to defer my payments and cancel my autopay on both of my accounts. I gladly accepted. 

A few days later I received an email that I had missed a payment. I checked my app and was shown that both of my accounts were labelled as past due, with a late fee attached. I called in immediately to rectify the situation. The first agent I spoke with said that there was no program in place, that they had only received communication of possible programs upcoming, and so the previous representative had spoken in error. I requested a supervisor. Again was told that the initial representative was wrong and there was nothing they could do about it. At this point, I was unworried about the deferred payment but the late fee and the impact on my credit score for having 2 accounts showing a missed payment. I have no missed payments on my credit history. I was told by the supervisor that I shouldn't worry about it, a lot of people are going through things right now and they're sure it will all be handled, just give it time. 

On XX/XX/XXXX, the late fee on my Citi DoubleCash card was refunded. I noted on XX/XX/XXXX that the late fee was still showing on my Citi American Airline AAdvantage card. I called in at XXXX and after explaining the situation to the initial rep, was transferred to a supervisor. He told me that they would not remove the late fee and there was nothing he could do about it. I explained again, in detail, the situation that led to the late fee in the first place : That I had the funds to make the payments but was erroneously advised by a representative of CitiBank that my payments were deferred and so was under the false understanding that I did not have to make the payment. He still refused to remove the late fee. 

At this time I am requesting the removal of the late fee and the assurance that the ( 2 ) missed  payments will not show on my credit report as the late payment was due to professional negligence and false information provided by a Citi representative/employee, with me, as the consumer, relying on their expertise to guide my payment decision.
Product: Checking or savings account

Early Warning Services is reporting both XXXX XXXX, and XXXX XXXX XXXX XXXX on my consumer report. Despite numerous attempts to have this INCORRECT information removed, it is still being reported. With this incorrect information being reported, I am unable to obtain any membership through my local credit unions. Early Earning Services is aware that I am a victim of Identity Theft, yet they still have not removed it from my report. They have not even sent any documentation as to why they believe the account is mine.
Product: Debt collection

I have sent information to both the creditor & credit bureau regarding this violation. Holloway Credit Solutions has violated my HIPAA rights. I have never consented with the above collector on any terms to access my personal medical records. I have notified the reporting bureau on several occasions about this situation. Holloway Credit Solutions did not provide me with a HIPAA release that releases my medical information to them ; even more so, by providing such information they are in VIOLATION of my HIPAA rights.
Product: Prepaid card

Pre paid gift card was bought in XX/XX/XXXX in XXXX and given to me the next day for my birthday form a friend, the amount is {$50.00}. I forgot about it and went to use it the other day XX/XX/XXXX and it was declined. I called the number on the back and they want me to send in a picture of the card which I did and a photo Id which I did not and dont feel comfortable doing that to a random website. After looking it up looks like a lot of people have the same complaint the company is prepaidgiftbalance XXXX. I called and spoke to 2 separate supervisors who told me 2 different things. Even more suspicious. It is a visa gift card supposedly through US bank. They are stealing from people and this is fraud. Most people wont send info in and in turn the company is pocketing the money because the funds are being used. Insane to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I bank at Wells Fargo and because of my good credit, I applied for a credit card that I paid on time. I had some health problems and was hospitalized and I wasn't able to make 3 payments on time during the months of XX/XX/XXXX XX/XX/XXXX and XX/XX/2018. After my health improved I went inside the bank and spoke with a rep and decided to pay the account off in full. I expressed concerned about the key derogatory marks that were showing on my report, the rep explained that after I pay the account in full, it would show me current and reverse the bad markings. Well after that when I reviewed my report months later, the account notes says '' it was settled for less the balance '' and the key derogatory marks for XXXX XXXX and XX/XX/2018 were still there reporting. To add insult to injury, two more key  derogatory marks were added for XX/XX/XXXX and XX/XX/2018 after the account had been paid off. I am trying to get qualified to buy a home and these derogatory marks are affecting me adversely. I tried contacting Wells Fargo but they say that they cant be removed and to contact the credit bureaus. The credit bureaus say wells Fargo is verifying the account. I just want to buy my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made numerous attempts to file an online dispute concerning false credit reporting items on my TransUnion credit report viewed on the TransUnion website. Every attempt the website did not allow the dispute to be filed and the error Dispute Temporarily Unavailable appeared. I called TransUnion customer support on number XXXX Saturday XX/XX/XXXX at XXXX XXXX to report the website does not allow a dispute to be filed malfunction due to an error Dispute Temporarily Unavailable. On Monday XX/XX/XXXX, I made attempts to file a dispute and the website did not allow the dispute to be filed. I made a screen capture of the error Dispute Temporarily Unavailable. I called TransUnion again on XX/XX/XXXX to file the disputes on number XXXX and TransUnion called me back from XXXX. I filed the credit disputes with the representative. I was given a confirmation number of XXXX. I did not receive any acknowledgement that the disputes are being processed or that the disputes are resolved. The false credit reporting items are still on my TransUnion credit report as of today XX/XX/XXXX. I attempted to attach the screen shot document to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an account from DSNB Macys was reported to my credit profile. Available data shows the last payment on this account was made on XX/XX/XXXX. Current data shows it was reported as open as of XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account is 4 years. Today is XX/XX/XXXX and is past the date the law allows this to be reported.
Product: Debt collection

Dear Sir/Madam : I am contacting you in the hopes you can help me in my Dilemma!!!! 
Re : Nelnet Student Loan Account # XXXX XXXX XXXX XXXX Student / XXXX XXXX XXXX Mither. I  have sent this correspondence to Nelnet Please be advised that I will be contacting the Department of Banking & Financing , XXXX XXXX XXXX & I will be corresponding with Federal Government Student Loan on behalf of my daughter XXXX XXXX for a student loan for my granddaughter XXXX XXXX XXXX. My granddaughter XXXX XXXX is making payments on this student loan she obtained. She is currently working and can barely make ends meet for herself, she is willing to pay @ {$50.00} per month as that is all she can afford. She only attended XXXX University for one year and had to come back as her mother had a XXXX XXXX. Came back home to get a job to help her mother. My daughter earns less than XXXX @ {$10.00} per hour and is eligible for food stamps. XXXX has to choose no insurance coverage at work because she can't afford it. 
As I stated she wants to comply with the payments @ {$50.00} per month and can barely afford that. 
What I don't understand is how the balance is {$16000.00} when I believe she applied for an additional {$5000.00} " mother loan ''. 
Again she wants to pay as she is already paying her other student loan she just can't afford {$120.00} per month. 
I give you my word that I am getting to the bottom of this for ALL STUDENTS for ALL GENERATIONS these kid 's don't stand a chance in life if they're starting off in the negative. 
Thanking you in advance. 
XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2018 charge for {$59.00} appeared from XXXX XXXX XXXX XXXX On my American Express card. 
I contacted Amex in XX/XX/XXXX when I reviewed my statements, s/w XXXX @ security and informed an investigation will take place. 
Credit card was replaced, but no update was provided. 
Kept calling billing company at number listed, XXXX no one ever answered. 
XX/XX/2018 called Amex to check on status, told no investigation was done as it was old, I was told I had 2 months to report this discrepancy. 
If that was their policy why was is it never mentioned? When was Amex going to notify me of their decision? Two months went by with no response from Amex. What kind of customer service is this? 
Yet they advertise, you will never be held responsible for unauthorized charges? '' They should be fined for false advertisement, and lying to consumers.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> Account Name : XXXX XXXX XXXXXXXX Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) I am submitting this complaint regarding violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by EQUIFAX. 
Despite my previous correspondence ( Letter XXXX dated XX/XX/year> ] and XXXX XXXX dated ( XX/XX/year> AN XX/XX/year> ) which requested the removal of the above-mentioned account due to inaccuracies and failure to validate the information as required by law, EQUIFAX has not conducted a proper investigation nor provided the required documentation.

Reasons for Complaint : 1. Violation of the FCRA : o Investigation Requirements ( 15 U.S.C. 1681i ) : Your verification response did not include a sufficient description of the investigation process, as required by the FCRA. You failed to adhere to the obligation to provide a thorough and detailed account of the steps taken to verify the information.

o Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information provided
did not comply with the permissible purposes outlined in the FCRA. The verification process failed to meet the established standards for handling and reporting information.

o Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued inclusion of this bankruptcy record and associated accounts infringes upon my privacy rights. The failure to follow appropriate procedures for handling sensitive information constitutes a violation of this section.

o Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a dispute. To date, I have not received this required information.

o Invocation of 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) : I am invoking these provisions to request the removal of this account and to demand proof of its verification. The failure to complete this verification constitutes an abuse of my rights.

2. Violation of the TILA : o Disclosure Requirements : [ EQUIFAX ] failed to provide accurate and timely disclosures regarding the account status, breaching the TILA requirements.

3. Federal Consumer Protections : o Title 15, Chapter 41 : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.

o Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. The response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record. 

Immediate Action Requested : Delete Immediately for Violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) : 1. Creditor Name : Account Name : XXXX - XXXX Present below the inaccurate information persistently affecting my credit report.
Product: Checking or savings account

Wells Fargo checking account I closed in XXXX due to erroneous overdraft fees
Product: Credit reporting or other personal consumer reports

XXXX  XXXX placed a late payment on XX/XX/year> Account number XXXX. I have never made a late payment on this account. I contacted XXXX  XXXX about the late payment and was told there was nothing they can do since the account is closed.
Product: Credit card

PayPal illegally signed me up for an unwanted online credit. You can see the same situation has fined PayPal XXXX here : XXXXThis is exactly what happened to me : '' Enrolled consumers in PayPal Credit without their knowledge or consent : The CFPB alleges that the company often automatically enrolled consumers in PayPal Credit when those consumers were signing up for a regular PayPal account or making purchases. The company enrolled other consumers while they tried canceling or closing out of the application process. Many consumers ended up enrolled in PayPal Credit without knowing how or why they were enrolled. They discovered their accounts only after finding a credit-report inquiry or receiving welcome emails, billing statements, or debt-collection calls for amounts past due, including late fees and interest. " I am furious because this is a sleazy way to get me to open a credit line. The normal payment button was changed to " PayPal Credit '' and I could not select another payment option. I selected this option and then canceled. I was then able to use a drop down to opt out of PayPal Credit and use the normal PayPal Balance for the payment. This auto-opt in to open a credit line is an abuse. I closed the credit line XXXX minutes after it was opened however this will affect my credit score. PayPal credit representatives informed me that a hard credit pull was performed to approve the PayPal credit line. This is NOT okay. I now have to go through a 60 day process to plead to the Credit Bureau to remove the hard credit check from my account.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

This is fraud as a result of XXXX XXXX. 

Collection Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit cards and credit lines XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX MORTGAGE SERVICEXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Mortgage

Freedom Mortgage Corporation will not endorse my insurance check for hail damage even though they have had the check for one week. I have the XXXX receipt to prove it. I even enclosed a return next day envelope.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and disappointment with the ongoing issue regarding the removal of fraudulent items from my record, despite my XXXX attempt to rectify the situation. Despite providing exhaustive evidence and diligently following the prescribed procedures, it is deeply disheartening that the problem persists without any resolution. 

I implore you to prioritize this matter with the utmost urgency and take immediate, decisive action to remove the fraudulent items from my record. Furthermore, I expect to be kept fully informed of the steps being taken to address this issue and seek appropriate compensation for the significant damages and losses I have incurred due to this egregious error. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXXXXXX XXXX XXXX Balance Owed : XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : XXXX XXXXXXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking TransUnion to investigate my accounts. It has been over 30 days. These consumer reporting agency are in violation. 

Fair Reporting Credit act 15. 1681 States that the credit Act states that they are supposed to provide an explanation within 30 days They have violated this law.