23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I received the included email from Bank of America, stating : Hi, XXXX, we would like to remind you the promotional rate you're currently receiving on your balance ( s )  listed below will expire in approximately 90 days After the expiration date, any remaining portion of the balance will be charged at the Annual Percentage Rate ( APR ) noted below. 
Offer code : XXXX Transaction type : Direct Deposit Cash Advances and Check Cash Advances Promotional APR : 0 % Promotional end date1 : XX/XX/XXXX Current balance 2 : {$6500.00} APR after promotion ends : 20.99 %, a variable APR based on the U.S. prime rate New transactions do not qualify for this Promotional Offer. 

However, after making a payment of {$6500.00} on XX/XX/XXXX, It was applied to the loan that was not due until XX/XX/XXXX and nothing was applied to the payment that was due on XX/XX/XXXX. This resulted in a interest charge of {$120.00}. 

Also, a secret balance due not show on statement was resulting in interest charges for non existing purchases. The charges were : XX/XX/XXXX {$6.00}, XX/XX/XXXX {$6.00}, XX/XX/XXXX {$3.00}. 

Even though interest was prepaid on 2nd loan thru XX/XX/XXXX, I was not able to make good on this since I was now required to payoff XX/XX/XXXX loan before XX/XX/XXXX loan could be paid. This loan had a 3 % prepaid charge for borrowing money thru XX/XX/XXXX which I was forced to pay off 4 months early.
Product: Checking or savings account

This is a problem with Chase Bank I opened an account with Chase for my. Social Security XXXX check to come. The check arrived and it was a freeze put on my chec by. collection agency. And I was told that Social Security checks were exempt from collection agencies. and the bank refuses to gave me my check to me. The problem is also the bank even know to check is exempt, The problem is the bank even admitted that the check is exempt, but there's. still refusing to give me my check.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding the inaccurate reporting of account # XXXX on my credit report. Despite providing evidence in prior correspondence, the reporting errors remain unresolved, and the response received was generic and unhelpful. This account is being misreported, showing a credit limit and past due balance on a charged-off account, which is incorrect since charged-off accounts are closed. These inaccuracies are negatively affecting my credit and hindering my ability to secure financial opportunities.
Product: Credit reporting

Equifax has placed another companies information on my credit report. I have disputed the information and have not heard back in sixty days. I have given them documents to show the information was incorrect.
Product: Credit card or prepaid card

I received an email from American Express regarding a promotional rate of 0 % on my account XX/XX/XXXX. The promo said the rate would be expiring in XX/XX/XXXX. I have only one Blue For Business card so I started to take advantage of that rate. I saw on my statement that the interest was not adjusted. I went back to the email to look closer to notice it was for a different account number. I called the Amex representative and she said the account represented in the email expired in XXXX. I told her I never activated a card with that account number and I am requesting they honor the rate for my actual card or remove the interest. She said neither would be possible.
Product: Checking or savings account

Creditors To Executive Managers, My name is XXXX. This letter is a formal request germane to identity theft and to ask for an extension, payment arrangements, deferment or any applicable hardship programs to ease payments for past due amounts and/or late fees on my account. My pay history will reflect consistent customer loyalty and on time payments. I hope that carries some weight in your decision to assist me without interruption in services. Identity thieves spent about {$2500.00} dollars on vacations, charities and live performances in three different states resulting in my bank freezing all setup/recurring payments pending investigation. I will pay if possible. 

Over the years my credit reports reflect fraudulent inquiries, accounts, debts and suspicious transactions on a consistently - the most recent inXX/XX/2019. As a XXXX vet and XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX, and XX/XX/XXXXXX/XX/XXXX, my intent is not to obfuscate financial responsibility but show actions and steps taken out of necessity to improve my quality of life, restore my credit/name, refi my mortgage ( s ) and start my own business here in the great state of Texas w/o these credit/finance issues following me. 

My intent is to dispute these inquiries, and negative entries which force me to apply for high interest ( % ) loans. I am working have my name and credit cleared up. And want this letter to serve as a rational to stop debt collectors calls, demand letters and emails. And creditor from reporting late payments and reporting me to the 4 credit reporting agencies ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. My case numbers for the investigating authorities are as follows : Federal Trade Commission Affidavit # XXXX XXXX PD, Economic Crimes Unit, case # XXXX Sincerely, XXXX PS I sent this email in lieu of calling - some creditors are claim that my cell is disconnected
Product: Credit reporting, credit repair services, or other personal consumer reports

2013 my ex husband bought a car I was listed as cosigner. The car was repoed later. He filled bankruptcy on it. It's been over seven years and Experian won't delete
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY IDENTITY AND USED IT WITHOUT MY PERMISSION AND OPEN SEVERAL ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Checking or savings account

On XX/XX/2020 early morning i was shocked to see emails that said i sent money to XXXX through XXXX ( online remittance company ) ... It consists of 4 attemps/transactions, the other 2 was successful and the other 2 transactions was denied since my bank balance was out of fund already ... That very moment i called Bank of America and reported everything that my account is sure been compromised ... I also called the XXXX XXXX which took so long to contact since their customer service is limited to few hours only due to covid19 ... I normally use XXXX service since i also send money to XXXX for my parents there ... But this time is different ... I want the thief to be caught whoever did this ... {$2100.00} is a big money and i will never stop until i get it back ... Within 10 days Bank of America gives me provisional credit ... But after few days i got a message that the transaction in dispute is authorized by me and that i should be liable and my credit will be removed back ... I will never allow this since I'm the victim here and i can prove whatever i can just to get justice and money back which i earned by working hard, and only be taken by criminals ... 
For you out there please do be careful in sending money online because hackers are everywhere and they are smarter crooked criminals ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on the FICO info I access thru my XXXX account on last XXXX I had XXXX of my credit score and having an average from XXXX to XXXX from last XX/XX/XXXX no late payments at all, no problems with any bank or mortgage. 
Why Experian decrease 56 points having now XXXX, after paid off and close 2 of my accounts on last XXXX and XX/XX/XXXX?? 

XXXX XXXX {$68000.00} paid in full on last XX/XX/XXXX no late payments at all. 
XXXX XXXX XXXX {$18000.00} paid in full no late payments at all.
Product: Credit reporting or other personal consumer reports

I reviewed my report and there is an account that I have never authorized, I do not recognize it, nor the charges. In accordance with the Fair Credit Reporting Act, the following account has violated my rights. 

XXXX XXXX XXXX Account Number : XXXX - Equifax XXXX Opened : XX/XX/year> Balance : {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts have violated my rights : XXXX/XXXX  account # XXXX. 
XXXX  account # XXXX XXXX  account # XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX  account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXXC account # XXXX 15 U.S.C 1981 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: Credit reporting, credit repair services, or other personal consumer reports

Yes I had a account closed from XXXX XXXX because Im opened another Acct through another wireless provider when this happened thei neverclosed account so they kept hitting my credit as a late pay I finally found bout sent payments monthly when I went to purchase a mort loan it popped up as never made payment on a closed Acct so they never to into all my payments I made them and charged me a full amount I did negotiate and thei settles for another amount I had no choice but to pay like almost double thei never have me updates or statements of account on this matter and never would give me information they told me it was closed Acct ok so why are you not showing my payment I made then XXXX XXXX never updated my actions at all and verify the wrong amount owed you help with this it on my report as paid but will stay onther for 2 more years when they told me it would be taken off.
Product: Debt collection

This company has been calling me everyday for the past few months and hanging up without leaving a message, or leaving a message with nobody speaking except people in the background. I called XXXX of the numbers back today and they said they are " Transworld Systems Incorporated ''. I gave them my number and they said they do n't have any record of calling me, my number is not in their system so there is nothing they can do. The numbers they have called me from are XXXX, ( XXXX, and XXXX
Product: Debt collection

I went by the cable company that placed the accounts on my credit they told me that it did not mach my account information with them. But they couldn't do anything about it and I had to file a police report to say it was fraud. But the I don't know if it was fraud because the only info that matched mine was the name and birthday ( XX/XX/XXXX ). Everything else was different. This was XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

Upgrade claims to report to all major credit bureaus in a timely manner but I have had recurring issues where they claim to be reporting but there seems to be an issue or error with the way they are reporting since it does not update on my credit files with XXXX, XXXX or XXXX. Each time I have had to call to bring the issue to there attention and I have been told they have reported but after waiting and rechecking it is not so. Today XX/XX/XXXX I reached out to XXXX and they clearly indicated that once new info is provided to them they update same day or at the latest within a couple days of info being received but they had not received an update from upgrade as they claimed at all in the month of XXXX. I called upgrade once again after speaking to experian to give them another chance to try to correct the most recent balance and payment history issue and after speaking to a member of there leadership team as they refer to it, I was told they would not take my word for it and that they would conduct a review of there own reporting and if they found an error then and only then would they send a credit correction for my account. The rep refused to provide more identifying information when I requested for his info and only provided XXXX as his first name and after asking for his employee iD or any other info he refused. I know these calls are recorded and should be reviewed since rep was evasive and condescending when I asked for a fair solution of having them please re-report or correct my credit file and also conduct a review to avoid this issue from continuing to happen to any other clients. All other creditors report on a monthly basis and similar creditors who report on the last day of the month like Upgrade reflect updates in a timely manner within days of there reporting. All I ask is that my loan be updated on a timely basis to the credit bureaus. If you claim to be reporting at the end of each month but the client has to call each month to address non-reporting then there is obviously an issue somewhere. Please address and correct this issue so info regarding my loan is reported accurately and timely to the credit bureaus since this affects my credit and finances and may be affecting other clients as well.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX
Product: Debt collection

I received a phone call at my place of employment from someone who would not report who they were, however, claimed I owed them money from credit card debt. After hanging up and tracking their phone number, I learned who they were. 

Praxis Financial Solutions XXXX XXXX XXXX # XXXX XXXX, IL XXXX ( XXXX ) XXXX They called under the phone number " XXXX, '' which can be traced to their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  breach cause my accounts to XXXX up inaccurate information reporting cra violaton please correct and items showing up that are not mine
Product: Payday loan, title loan, or personal loan

Terms during covid went to simple compunded daily interest with little to no notification or explanation. It was essentially raking advantage of their customers during the deferment periods as stated in the terms. 

I want the interest forgiven and applied to my principal balance on my Truist ( previously XXXX ) XXXX # XXXX.
Product: Mortgage

Virtually every month in 2016 has been a disaster from Ditech Financial for my home loan payments. 
XX/XX/2016 - No bill was issued from Ditech Financial to me, so I got for a late payment charge ( XXXX {$100.00} ). 
XX/XX/2016 - No bill was issued from Ditech Financial to me, so I got another late payment charge ( XXXX {$100.00} ). 
XX/XX/2016 - I filed a complaint with the XXXX to petition the late charges and was denied a refund by Ditech Financial. 
XX/XX/2016 - Bill was issued from Ditech and paid by me, and I got another for a late payment charge ( XXXX {$100.00} ). When I called them, they said that they were changing Billing Companies/Procedures and that the ate charge would be reversed. 
XX/XX/2016 - This month I got XXXX different bills, finally paying the last one. 
XX/XX/2016 - Bill was issued from Ditech and paid by me, and I got another for a late payment charge ( XXXX {$100.00} ). When I called ( twice ) asking about the late charge, they said that my payment had been incorrectly credited to my Escrow Account, and that the payment would be corrected and late charges reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present.
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX - XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Credit card or prepaid card

Late fees and interest without receiving a bill. Visa does not want to fix. Attempts were made. Requested a bill copy and received another person 's bill.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details XXXX Disputed Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act, FCRA ) XXXX Permissible Purposes XXXX Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's XXXX purposes requirements.
Product: Debt collection

I moved out of  XXXX    XXXX   XXXX   XXXX   in  XXXX  o f 2016. When moving out I completed a walk through with the apartment manager where she i  nformed me because I did not scrub the fridge out I would be required to pay for a cleaning company which would cost {$150.00} as well as {$5.00} for missing blind in the guest room. I agreed to these charges other than that the manager let me know the apartment lo oked great and wished me well. I later received a letter from  XXXX   XXXX  letting me they were charging me to replace carpet in the entire unit whi ch was 3 years old. They claimed I had destroyed the carpet by having an animal in the apartmen t which I did not own an animal. I sent them proof of the condition I left the apartment in and received via certified mail that they had received my dispute. I then received a letter from the apartment complex letting me know they did not agree and sent pictures of the apartment that again did not match the photos I had provided and did not warrant complete replacement of the carpet and I had filed numerous complaints with the apartment complex when I moved in and was dealing with my leasing agent,  XXXX . She claimed I would not be charged for the spotting in the guest room by the back patio as it was there when I moved in. I again submitted this information and I just recently found out that even though I was disputing the charges they reported to the credit company without responding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed addresses and names that are not associated with me and due to the fact of being associated with fraudulent accounts the information is confirmed correct by the reporting agency its only one name XXXX XXXX XXXX XXXX that should be associated with me as well as one address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX ) is the only address that should be associated with me
Product: Bank account or service

I had a checking account with Bank of America that had been in dormantstatus for a number of years. My balance on the account had been close t {$0.00}. Without warning, they imposed a Monthly service fee of {$25.00}. 
I did not notice this until after the 3rd month where my current balancehad shown roughly - {$75.00} ( Negative {$75.00} ). I went to the bank and theywere unable to remove this. I closed out the account and it still showsa balance of - {$74.00} ( Negative {$74.00} ). 
I am asking for Bank of America to XXXX out my account at no costto me
Product: Debt collection

CFPB + Transworld Systems Inc, I am disputing the debt Transworld Systems Inc says I owe - attached to this complaint is : - copy of my drivers license - copy of my mailing address - copy of dispute letter - copy of letter I received from Transworld Systems Inc
Product: Credit reporting or other personal consumer reports

My name is First name- XXXX / Middle Name- XXXX/ Last name- XXXX It should appear as XXXX XXXX or XXXX XXXX XXXX any other name is incorrect
Product: Mortgage

I should be at the end of the paperwork process with my loan servicer but my calls go unanswered and I believe they are stalling me to get my house.
Product: Credit reporting or other personal consumer reports

there is a fraudulent auto loan being reported to my consumer report XXXX XXXX XXXX Account Number : XXXX under the FCRA 1681i ( a ) ( 5 ) - Duty to Correct or delete inaccurate information Experian is in violation I have also included FTC identity theft report AS THIS ACCOUNT IS A RESULT OF IDENTITY THEFT REMOVE THIS ACCOUNT IMMEDIATELY