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

Recently my wife, XXXX XXXX XXXX had dental work completed at the XXXX XXXX Nebraska XXXX XXXX. Most of the fees were paid directly to the XXXX XXXX including XXXX ( {$790.00} ) of the total charge. This left a balance of {$1300.00}. When we inquired about how we could settle this debt other than a cash payment we were advised that we could apply for an interest free 6 month credit card from a company by the name of CareCredit. We applied for the card and were insured that so long as we paid the full balance prior to six months from the approval date of the card it would satisfy the {$1300.00} debt in full. 

We received the first billing statement from the Synchrony XXXX which apparently collect for CareCredit. We made a payment of {$220.00} to the " Bank '' although the statement showed a minimum payment due of {$44.00}. Our {$220.00} payment was made to insure we could complete payments within the expressed 6 month interest fee due date. 

Subsequently we received a second billing now showing a promotional charge of {$1100.00}. Wondering why the payment of {$220.00} did not reflect the correct balance due which should have been {$1000.00} ( {$1300.00} minus {$220.00} ) we inquired by telephone call to the Synchrony XXXX in XXXX, FL who were listed as account holder on our statements. We were told by XXXX at the Synchrony XXXX that we were being charged a monthly maintenance charges of {$21.00} in XXXX and {$18.00} in XXXX XXXX. These almost 1.7 % charges based on the original payment were made without any knowledge on our part or notification of any charges or interest. " XXXX '' advised me that this was a type of charge made to ( protect our card ). When I pointed out that we had no knowledge of buying any sort of card protection XXXX said that they ( the Bank ) would cancel the maintenance fee charge for future payments and would refund the charge only for the XXXX {$18.00} charge and that it would probably take 2 or 3 billing cycles before any refund could be made. 

This just seems to me that the CareCredit card was just a way to make us open a CareCredit credit card account and that the maintenance charge was no more than a substitution for interest. We feel that we are entitled to both XXXX and XXXX charges in a timely manner and should no longer be subject to these unfair unsolicited charges.
Product: Payday loan

I am unable to make a payment this month because I have unexpected major car repairs. I contacted the lender and they have called more than ten times daily to threaten me with " major collection actions '' if I do n't borrow the money, pawn something or take another payday loan to make my payment. I am afraid of what will happen next.
Product: Debt collection

I was an officer of a corporation that leased a building up until XX/XX/XXXX. The building was completely vacated in XX/XX/XXXX while a dispute on unpaid rents remained active. We made a settlement agreement of {$10000.00} in monthly payments of {$620.00}. All payments were complete and the matter was closed. On XX/XX/XXXX I received a notice from FCS Collect claiming that {$18000.00} was assigned to their office for collections for that lease. It shows {$13000.00} principal and {$5100.00} interest. I spoke to a XXXX there and provided an email with the check numbers and dates of the settlement payments and advised her that this was a time-barred lease agreement. According to California Code of Civil Procedure section 337, that the landlord was long past the four years statutes of limitations. She thanked me for the information and said she would pass it along to XXXX, the leasing company. I had not heard anything else back from her. Yesterday, on XX/XX/XXXX, I went to purchase a vehicle and to my surprise, my credit score dropped from 780 to 650 due to a bad/false claim from FCS for {$18000.00}. This effected my interest rate on the purchase costing me well over {$1000.00} of interest on my future payments. I contacted FCS this morning with my disappointment and prior to hanging up on me, they said " do not call back ''.
Product: Debt collection

I need to report that my Affirm account was accessed without my consent. Please hold any outstanding transactions while I resolve this with Affirm 's customer support.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ASK THE CREDIT COMPANYS TO LOOK INTO THIS ACCOUNT THAT IS NOT MY ACCOUNT
Product: Debt collection

I signed up for XXXX XXXX to get a little relief on my monthly insurance premiums. I was not informed that there would be any probationary period nor was I informed that cancelling during that probationary period would cause me to owe anything extra. 

If I was not informed that this could happen, it should not be on my credit report. I have asked the XXXX XXXX, Caine & Weiner to provide me proof and they could not provide any proof that I was notified of any probationary period at all.
Product: Credit reporting or other personal consumer reports

In accordance to the fair consumer credit act the list of accounts have violated my of privacy and confidentiality 15 usc 1681 XXXX Report number XXXX XXXX I have the reach out to XXXX XXXX  and I have debt consolidation team working with them but they are reporting late payments on my credit report if my mind serves me correctly XXXX XXXX account number is XXXX the account number 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 15 usc 1681s 2 a 1 15 usc 1681c a5
Product: Credit card

I am experiencing two issues with redeeming points for flights through the rewards program ( US Bank Corp ; I have credit card " XXXX '' ) : Higher Cost for Points-Based Flights : When booking flights with points through the rewards program 's designated reward center, the points cost is consistently higher than the cash price for the same flight when purchased directly from the airline. This discrepancy limits the value of the rewards program. 

Inconsistent Pricing on Date Selection : When browsing flights by date, the rewards center often displays a lower price for flights on a nearby date, suggesting a more affordable option. However, when selecting that date, the price automatically updates to a higher amount, effectively locking in a more expensive fare regardless of the date. For instance, when searching for flights on XX/XX/year>, a cheaper option may appear for XX/XX/year> at {$460.00}, but clicking to select this date causes the fare to increase to {$470.00}. 

I would appreciate clarification on these issues and assistance in resolving them, ideally by ensuring fair and consistent pricing for point redemptions and displaying accurate, stable fares across dates.
Product: Mortgage

I have been paying our mortgage every month and our funds have been stored in the escrow account. Amerihome should have been paid our home insurance company on XX/XX/XXXX. As of XX/XX/XXXX, our insurance company has not received payment and we do not have insurance coverage on our house. I have contacted the company repeatedly to no avail. This is serious negligence and I hereby make Amerihome mortgage liable for any damages moving forward for not paying our insurance from the escrow account.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

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 o # XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a auto loan was opened XX/XX/2015 and is reporting different account status on credit reports showing derogatory and paid THE CREDIT REPORTING COMPANIES ARE REPORTING DIFFERNT STATUS INFORMATION FOR THIS ACCOUNT
Product: Credit reporting or other personal consumer reports

I was recently a victim of ID Theft, I was advised to pull my credit, I noticed a collection account on my TransUnion credit report. It does not belong to me. Please remove XXXX XXXX XXXX acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXXXXXX XXXX XXXX ; {$120.00} Balance This account in collections with XXXX XXXX XXXX is a medical bill that was already paid by my SECONDARY health insurance and violates the 180 day reporting of medical bills on credit files. The original debt collector and XXXX XXXX XXXX have not made effort to contact me about this debt. I ask that this account be removed from my credit file immediately for violating the 180 days agreed upon by three credit reporting agencies and the New York attorney general in XX/XX/2015. I dispute that this medical bill was paid by my secondary health insurance and there was no attempt by XXXX XXXX XXXX.
Product: Student loan

I was charged an ACH withdrawn from my bank account on XX/XX/year> in the amount of {$180.00}. Of that amount {$94.00} was applied to principal and {$94.00} was applied to interest. 

Now, they are making another ACH withdrawal on XX/XX/XXXX for {$230.00}. This is not a scheduled payment. I received no notification of the reason for the additional payment. When I try to turn off auto-debit, it says that I can not. 

All XXXX of my loans state that they are paid up to date. There is ZERO reason to be debiting me right now! Their telephone is always busy with a ridiculous wait time. 

I am angry that they now hold my loans and feel that I am at their mercy.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : 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 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 accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

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

On Tuesday, XX/XX/XXXX I was notified by US Bank that they could not approve my loan ( after receiving a prequel letter and being 2 weeks into escrow on a purchase ). They said my credit score was too low for their additional underwriting guidelines which were more conservative than FHA. I immediately secured lending from a different institution and, on Wednesday XX/XX/XXXX asked US Bank ( loan number XXXX ) to release my FHA Case number ( XXXX ) to my new lender, XXXX XXXX XXXX ( Lender ID XXXX ). I was informed my US Bank that they submitted the request to release the case and the appraisal but this still has not been completed. I am 2 weeks away from closing on my new home and US Bank is holding up my new lender from moving forward. I may have significant financial losses ( {$5000.00} ) if US Bank continues to hold up the release and transfer of my FHA Case and appraisal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX. File # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

On XX/XX/2020, I transferred around $ 250K of funds into Merrill Edge account based on the advisor 's claim that I would be  eligible for " Preferred Rewards '' within a few weeks. My transfer-in bonus is contingent upon my Preferred Rewards status. If I do not qualify for Preferred Rewards, I get no transfer bonus. 

Before this, I have around {$300.00} in my Bank of America savings account. 

On XX/XX/2020, I calculated my account 3-month average balance to be : [ ( XXXX * 8 days ) + ( XXXX * 82 days ) ] / 90 days = {$22000.00} which is above the $ XXXX  threshold to be enrolled in Preferred Rewards. 

On XX/XX/2020 I called XXXX and spoke to XXXX at XXXX, Rhode Island ( Advanced Client Solutions ) and he said that I wouldn't be qualified until XXXX, which would make me ineligible for the brokerage account bonus. 

Interestingly, XXXX provided this calculation : My 3-month average balance = XXXX/90 = {$2700.00}. 

I asked him to consider holding $ XXXX at B of A for 90 days, and try his formula again : His 3-month average balance = XXXX/90 = {$220.00} which means even after waiting 90 days, this person wouldn't be eligible for Preferred Rewards. 

By this logic, one would need XXXX XXXX Dollars in order to be eligible for the lowest tier of the Preferred Rewards program.
Product: Checking or savings account

Capital One Bank XXXX/XXXX/2017 - I have closed my bank account back in XXXX XXXX at Capital One Caf Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( 1 hour driving from my house ) and they told me that I will receive the remaining balance in my account by check in my house in a few days. This whole process took more than 1 hour.
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XXXX/XXXX/2017 - I did n't receive my money yet, so I called to Capital One ( XXXX XXXX XXXX ) to ask for information. They apologized and informed me that my check was sent to my wrong profile ( confirmed was their mistake during the call ) address and I should get a new check in 5 business day. Their ticket number : XXXX ( Security Number ) for tracking purpose. Was wasted another hour on the phone with.
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XXXX/XXXX/2017 Once more, worrying about my money I called Capital One. I explicitly explained to them I need that money to pay my bills. They apologized again, and they have raised my case to " high priority and the new time given was 2 or 4 business day to get the check.
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XXXX/XXXX/2917 Tired to wait for my money, I was calling their support for the fourth time to explain the whole situation again and to ask where my money went. Then Capital one support representative wrongly transferred my call to Capital One 360, and their representative wasnt able to help because theyre a different bank not able to help and finish the call. As you can see, Im super frustrated since I dont have my money yet and some bills are already due because of it. I need help to solve this as soon as possible. Moreover, I should not be BEGGING to have my own money.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Dispute with agency was on XX/XX/XXXX Letter Sent to Bankrupty Court XX/XX/XXXX in reference to how they report to Credit Reporting Recieved letter from XX/XX/XXXX Bankruptcy Court Stating they do not provide credit reporting agencies with information but in fact information can be accessed through a system called XXXX. 

Recieved an update on bankruptcy dispute with Experian on XX/XX/XXXX stating that company verfied information with Experian and was accurate.Experian didnt send anything back bearing my signature of verified information. 

Second Dispute with agency was on XX/XX/XXXX Recieved update dispute stating company verified information
Product: Credit card

In XXXX of 2014, I stopped receiving statements/bills from Kohl 's Department store for my Kohl 's charge account and believed the balance ( less than {$300.00}? ) had been paid in full. There was, however, a small balance and Kohl 's continued to issue a {$35.00} late fee on this account each month for 24 months ; the late fees now total over {$840.00}. At no point in this cycle did I ever receive any notice from Kohl 's that there was an issue with this account despite the fact they had our current address on file. This issue came to my attention last month. I 've reached out to Kohl 's in three separate phone calls and have asked that the late fees be removed but have not received any response.
Product: Money transfers

1 ) I can not access my Paypal Credit account like a regular customer. 
2 ) I have to provide information of my identity by mail and phone again and again. 
3 ) I have to explain again and again that I changed my name. 
4 ) I have to answer extremely picky questions from obscure public records and due to the medical conditions I am suffering like XXXX and its medications I can not remember the answer to those questions ( Questions like area codes of different states, zip codes of different states and ages of people I never met. ) I want to have access to my Paypal Credit to add any information and modify any information like a regular client without having to be scrutinized by The Paypal version of The FBI. 
5 ) This is really abusive. XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

I was the victim of ( 4 ) unauthorized XXXX payments made from my Chase Bank account to unknown user. My account was hacked and payments were sent without my approval. The amounts that were sent via XXXX payments. 

Date : XX/XX/2022 XXXX amounts : 1. {$250.00} 2. {$250.00} 3. {$880.00} 4. {$490.00} There were no actions taken by my bank ( Chase Bank ) to assist with fraud claim. They simply dismissed the claim and said I was responsible regardless of claim that account had been hacked and payments were not authorized.
Product: Credit card or prepaid card

on XX/XX/XXXX, I cancelled my XXXX  XXXX acct. and my discover card. XXXX had a XXXX balance and XXXX XXXX billed it again. I have talked to XXXX XXXX  and discover constantly since XXXX. They both continue to bill me and have reduced my credit rating from XXXX to now XXXX and my balance with interest and charges is XXXX. I sent copies to XXXX XXXX by fax to a XXXX and she said that was all she needed. She is now asking for all the bills from XXXX to the present date XX/XX/XXXX again. I appreciated the use of XXXX XXXX when I had no cell phone service. I moved last XXXX to XXXX and have cell phone and internet service now. From the time I cancelled XXXX XXXX and discover, I have not used the discover card at all!!. Discover gives me the run around and so does XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian reinvestigate these Hard Inquiry : However, they stated everything was complete and accurate. 

XXXX XXXX- XX/XX/2023 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C . 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.