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

On XX/XX/XXXX, I made a payment of {$70.00} on my XXXX 's credit card account. This was the full balance requested, with a due date of XX/XX/XXXX. My balance went to {$0.00}. I subsequently received a bill for {$2.00} " fee '', further described as a " minimum interest charge '' on my account, with a due date of XX/XX/XXXX, showing no other charges or fees. 

On calling XXXX 's toll-free number, I was put through the automated system, in which the last question was, " are you calling in reference to a minimum interest fee? ", and when I indicated that I was, I was told that the fee would be deleted, and my statement updated. I then received the explanation that the fee was charged for the balance between the date of the statement billed for {$70.00}, and the date of the payment. This was done even though payment in full was made before the payment was due! 

This is the second time that a fee like this has been charged to my account on a balance of {$0.00}, but no such fee is charged, or has ever been charged, on any other account I have or have had in the past. This account is not supposed to have a revolving fee. If payment in full is received by the due date, there should be no interest or other fees charged. If the balance is {$0.00} before the due date, then there is no balance for interest to be charged on. I feel that the collection of interest on money that is not owed to a merchant is fraudulent, but unless I'm a special case, this is being charged to thousands, perhaps millions of customers. 

I previously reported a similar occurrence to the CFPB, and received what seemed to be a satisfactory response at that time. But clearly XXXX XXXX has not changed their policy. Agreeing to waive an improper fee when someone complains is no substitute for honest dealing in the first place. Many consumers will not complain, and as long as XXXX 's decides when to waive it, they can withdraw that offer at any time and resume charging interest on a balance of {$0.00}. This needs to stop!
Product: Checking or savings account

After contacting several representatives I finally spoke to 'XXXX '' at XXXX their time at the XXXX  XXXX office on XX/XX/XXXX and she was a great help. She is the only one that attempted to contact another department and was told it's because I didn't fill out a signature card. I never heard of this. 
They didn't send me the signature card in an email the sent it in the bank messaging system. 
I have been with this bank since XXXX. I also received a welcome letter years before this with no such signature card. 

They're not giving me the inter est that I have accrued correctly for example for example statement XX/XX/XXXX the interest paid on that statement is less than what I earned. now I have to go through every statement to see if I am being shorted.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below companys have reported my account as past due for 60 days when payments had been done timely, credit one has reversed one and acknowledge it was their mistake but have failed to remove second one while self inc has not done anything to address this matter. 


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

In accordance with the Fair Credit Reporting act XXXX accounts 1 ). # XXXX XXXXXXXX XXXX XXXXXXXX, 2 ). # XXXX XXXX XXXX XXXX 3 ). # XXXX XXXX XXXX XXXX, 4 ). # XXXX XXXXXXXX XXXX 5 ). # XXXX XXXXXXXX XXXX, 6 ). # XXXXXXXX XXXX XXXX XXXX 7 ). # XXXXXXXX XXXX XXXX XXXX XXXX 8 ). # XXXXXXXX XXXX XXXXXXXX 9 ). # XXXX XXXX, 10 ) > # XXXXXXXX XXXX XXXX XXXX 15 usc 1681 section 602 states that I have the right to privacy 15 usc 1681 section 604 and section 2 it also state a consumer reporting agency can not furnish your account without my written instructions.
Product: Debt collection

XXXX XXXX is reporting that they bought my XXXX account in XX/XX/XXXX. The XXXX Account was opened in XX/XX/XXXX and has been closed for a very longtime. I have written all the credit reporting agencies in an effort to remove this inaccurate credit information ( Exhibit # XXXX ). The XXXX Account ( ACCT # XXXX ) was listed on my Chapter XXXX Bankruptcy filing dated-XX/XX/XXXX ( Exhibit # XXXX ) and was discharged.
Product: Debt collection

I had a hospital stay in XXXX and setup payment arrangements for multiple bills with the medical provider. One bill was missed and went to collections but a payment plan was established with the previous creditor. In XXXX they stopped taking the payment but didn't contact me to setup the payment plan again. 

Late in XXXX I received a letter from paragon saying I owed them for XXXX from the hospital stay> I called the prior creditor who confirmed they sold the debt without notice. 

Paragon accepted one payment from me and never sent another statement. I tried to login on their self service site but it says my account number is incorrect. 

Paragon should remove the delinquent reporting and allow a payment plan to be established to suffice this debt. 

Account info I was provided : Paragon XXXX XXXX It is absolutely ridiculous to hurt someone's credit when they made every attempt to repay the debt. This company 's practices should be reviewed further.
Product: Credit reporting or other personal consumer reports

XX/XX/year> someone took over my cell phone # and got all my information and applied for 2 credit cards 1 ) XXXX XXXX XXXX ) XXXX XXXX  XXXX I realized someone had taken over m y identity within XXXX hours of it happening. 
I contacted both creiditors on XX/XX/year> I also contacted the XXXX Credit Bureaus. 
The inquiries were only removed from XXXX credit report. The inquiries are still showing on Trans Union and XXXX. This is causing my car insurance to go up. Ive called the creditors. They say they've reported it to the credit bureaus to remove the inquiries. The Credit Bureaus keep asking for info I do not have to be sent to them. A FTC report. Please advise.
Product: Credit reporting

Dear Sir/Madame, And thank you in advance for your courtesies and assistance. In applying for a student loan I noted that from one moment to the next I was denied. My initial application stated that I needed a co-signer, and in the interim of providing that information, I was notified that a loan was not possible. As this bank just provided a loan for last semester, I was rather flummoxed as to why I can not obtain a loan, especially with the very same co-signer, who has a slew of accounts at the bank, most of them holding the maximum insurable by the government. 
Upon further investigation, I noted that my credit report included NONE of my employment history! NONE! How could this have been possible? They have page after page of other information, but a VITAL piece of information such as employment is rather difficult to fathom. I have been working steadily and consistently since 2008, full time. And there is not one mention of any employment whatsoever. It pains me to realize how error-ridden this report is, and how long it has been going on. I never checked my credit report, and that is my fault. But to have such an erroneous notation! NO EMPLOYMENT HISTORY. Only a slow and focused review will illuminate the many errors lurking beneath. I hope to amend this complaint whence such a review can take place. I am forwarding this as quickly as possible, in essence of time, and to get the issue resolved. 
I thank you immensely for your time, your courtesies and your assistance, and I look forward to hearing from you once you have had time to investigate this matter further. I bid you a good week, and more importantly, lovely evenings when you arrive home. Thank you again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have fraudulent and unauthorized credit card and collection accounts and hard inquiries listed on my  XXXX   XXXX ,   XXXX   and Experian credit report. I filed a police report with the  XXXX   XXXX  Police Department and the police report case number is :  XXXX , the following credit card and collection accounts and hard inquiries are fraudulent and unauthorized :    XXXX   XXXX   XXXX  , XX/XX/XXXX ,   XXXX   XXXX   XXXX    XX/XX/XXXX ,   XXXX   XXXX   XXXX  ,  XX/XX/XXXX ,   XXXX   XXXX   XXXX  , XX/XX/XXXX ,  XXXX ,  XX/XX/XXXX ,   XXXX   XXXX   XXXX   XXXX   XXXX  , XX/XX/XXXX ,   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX ,   XXXX   XXXX  ,  XX/XX/XXXX ,   XXXX   XXXX   XXXX   XXXX  ,  XX/XX/XXXX ,   XXXX   XXXX   XXXX   XXXX  ,  XX/XX/XXXX ,   XXXX   XXXX   XXXX  , XX/XX/XXXX ,   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX  ,  XX/XX/XXXX ,   XXXX   XXXX   XXXX  ,  XX/XX/XXXX ,   XXXX   XXXX  ,  XX/XX/XXXX ,   XXXX   XXXX   XXXX  ,  XX/XX/XXXX ,   XXXX   XXXX   XXXX   XX/XX/XXXX ,   XXXX   XXXX   XXXX    XX/XX/XXXX ,   XX/XX/XXXX     XXXX   XXXX  , XX/XX/XXXX ,   XXXX   XXXX   XXXX    XX/XX/XXXX ,   XXXX   XXXX   XXXX  ,  XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX I received a phone call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX about medical debt that I allegedly owed. During that phone call, I was not once informed or told that I had a right to request validation of the debt and was threatened to be sued and garnished of up to 25 % of my wages. 

On XX/XX/XXXX I mailed a request of debt validation to them and was responded to with a court summons served to me only 10 days later. 
I wasnt provided with any form validation that I owed this debt. 
I was then mailed papers that they claim is validation of debt. These papers contained medical bills but no actual proof or reasoning that these bills were mine. There was one paper that did have a signature on it, but that signature was not mine. 

During this time the collector continued to call me even though I had initiated a dispute with them and the credit reporting agency, in turn violating one of my consumer rights. 

I then had to file a motion to set aside judgement to the court and was granted the motion. 

The law office has still not provided me with any proof that this is my debt, or that the claims were submitted to my insurance if they are mine. 

They have violated many of my rights as a consumer and are actively trying to sue and collect on a debt THAT IS NOT MINE! 

This company is predatory and they need to be stopped.
Product: Student loan

I have reported numerous times that my payment history is not reported correctly on my credit reports. Nelnet has refused to acknowledge they are not reporting according to the Fair Credit Reporting Act of these facts after numerous letters. Nelnet is reporting a 90 day payment on my account but how can there be a 90 day and the previous months states PAID AS AGREED? They sent me a copy of a payment history that is not reflective of this being accurate either. I have requested this false 90 day be removed. I believe Nelnet is using deceptive debt collection practices with there accounting and reporting of my pay history
Product: Credit reporting or other personal consumer reports

There is an account that it is still on my credit report. Help me to dispute it
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

I also tried to use their services to submit a fraud alert and the website repeatedly failed to submit my information. This blatant consumer abuse needs to stop.
Product: Checking or savings account

First, I had to pay {$50.00} several years ago for an account that I didn't open. 
Second, I deposit my paycheck and they put a hold for 12 days on for no reason because when I contacted the bank that which it came from that had told me that it was cashed the day it was deposited. And I'm still waiting for it to clear. This is the second time it happened and it's all been lies. They hold my checks and blame the other bank that which it came from.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the reapplication of inaccurate information regarding Flagship Credit Acceptance on my credit report. Despite multiple attempts to have this matter corrected, the issue persists. 

On XX/XX/year>, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding incorrect information on my credit report. Equifax responded on XX/XX/year>, stating that the Flagship Credit Acceptance account had been deleted, as documented in the attached CFPB complaint details ( Complaint ID : XXXX ). 

Subsequently, I filed another complaint on XX/XX/year>, due to the reappearance of the same account on my credit report. Equifax again responded, confirming that the disputed item related to XXXX XXXX XXXX was not currently reporting on my file, as indicated in the attached document ( Complaint ID : XXXX ). Despite these confirmations, the account has been reapplied to my credit report, contradicting Equifaxs own findings.

The reapplication of this account has caused significant distress, including being unjustly denied housing, which further exacerbates the impact of Equifaxs negligence. These actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically the sections mandating accurate reporting of information and the duty to conduct reasonable reinvestigations ( 15 U.S.C. 1681i ).

Moreover, Equifaxs continued failure to resolve this issue is reflective of broader systemic issues, as evidenced by the recent {$15.00} million fine imposed on Equifax by the CFPB for failing to properly investigate consumer disputes and for allowing corrected errors to reappear on credit reports. This current lawsuit underscores the companys repeated breaches of consumer protection laws and highlights the severity of the issue I am facing. 

I am requesting that Equifax immediately reinvestigate this issue and ensure the permanent removal of the XXXX XXXX XXXX account from my credit report. I also seek monetary compensation for the emotional and financial damages I have suffered due to Equifaxs repeated errors, as previously outlined in my XX/XX/year>, complaint. 


Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for faning to propery investigate miy disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

This is my formal rebuttal of the XXXX Dispute. When regarding my information security breach, I was notified my information was apart of XXXX breaches. XXXX being a XXXX provider whos information port was breached, as well as XXXX which contained my XXXX wallet storage information and XXXX XXXX. These are obviously XXXX very easy ways to enter credentials if my information was taken which is seems it was. Looking at the XXXX transactions that occurred from XX/XX/XXXX thru XX/XX/XXXX to this person, even the way the XXXX history occurred showed it was a hacked like attempt. This person attempted XXXX separate times to send money of various amounts to them which all failed the transaction leaving the funds due to complications seeming to send it out. 
These attempts were then followed by a second attempt by sending out smaller amounts that generally go unnoticed due to the size of the transactions aka baiting so the person who is hacked ( myself ) in this case is unaware of the activity. This then was followed up by several rapid fire XXXX payments being sent out using my credentials by this other person totaling {$1000.00} combined being paid out. As soon as I noticed the larger amounts. I contacted XXXX immediately speaking to the fraud department to dispute said charges. In this case, I followed all XXXX XXXX instructions from this point out. My account was restricted, my debit card was hot carded, and XXXX deactivated by my request. I then submitted all information as requested from the Branch and fraud agent including screen shots of XXXX usage, I then reported to XXXX XXXX XXXX XXXX as to debug my phone for cleaning any possible connection from a foreign entity. I then changed all online passwords and usernames, cleaned out my google wallet, closed the debit card and opened a new account keeping XXXX deactivated. I was hit by this fraud and am owed either a reimbursement or secure return of my funds according to the CFPB that XXXX and XXXX are bonded by. I am currently working with agent supervisor XXXX XXXX. 

I previously experienced zelle fraud at a prior institution ( XXXX XXXX  ). I requested XXXX to be deactivated from my account as I do not trust person to person transfers very much. When I spoke to the initial agent, she stated XXXX is a XXXX party and we can not simply deactivate this feature. Secondly, due to the non return of funds I have entered a hardship in terms of bills and rent that is owed due to the loss of nearly half of a paycheck. 

I still on today XX/XX/XXXX have not received credit for my fraud loss.
Product: Credit reporting or other personal consumer reports

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XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please removed show as closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, XXXX RE : The inaccurate and certifiably noncompliant information you are reporting To whom it may concern : I am writing to you with this formal objection to the information published and provided by you to the US DEPT OF EDXXXX, and XXXX Bank XXXX as reported, and I demand swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 
You are improperly reporting an alleged Charge-Off Credit Card and Student Loans that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit reputation. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less than a Charge-Off Credit Card that you did not have permissible purpose to share my personal information. I formally contest the reportability of the alleged Student Loans, and Charge-Off Credit Card. 
Immediately, DELETE ALL records of the following alleged Charge-Off, Student loans, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all XXXX reporting standards. 

1. US DEPT OF EDXXXX : Installment Loan, XXXX : Please DELETE from Credit Report XXXX XXXX XXXX Secured Credit Card Charge- Off XXXX XXXX  Please DELETE from Credit Report
Product: Money transfer, virtual currency, or money service

Around XXXX XXXX XXXX, I booked an appointment with a photographer with XXXX XXXX in XXXX XXXX for {$210.00}. At the time I did not live near the photographer, and I had to reschedule the shoot. She said it was fine, and would hold onto the money, and in the future would provide me with a shooting whenever I could be in town. She then continued to string me along for 6 months, and without warning nearly doubled the price of her bookings, and when it came time for our booking ( that wed agreed upon in advance ), she didnt want to provide me with a refund, or a half-booking since I couldnt pay the full price. I am a college student, and was initially drawn to her because of her low pricings for couples photos. I tried to get the money back through the bank, however they ended up rejecting my claim and retracted my provisional credit. Ive had a XXXX XXXX for quite some time that has left me out of work and now my account is negative, and the bank ( Wells Fargo ) says there is nothing they can do. I am hoping to get the money back directly from the photographer, and I have text receipts to corroborate my story.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX N/A XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX