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

On my Bank of America Spirit ( airline ) credit card I setup auto pay to pay. In XXXX I got an alert on my phone that I had a balance of {$68.00}. I had made no purchases on the card so I called customer service. At that time I was told the charge was for the annual fee. Having had setup auto pay I was confident it would get paid. When I went online to check the account on XX/XX/21 I found that was closed with a XXXX balance. Confused I called customer service to find out what happened. I was told that once my account goes to a XX/XX/XXXXbalance that auto pay is turned off. Once auto pay was off the annual fee never got paid and once I was 3 months delinquent the account is closed. 
So, to review since my account had a XXXX  balance Bank of America took control of my payment method and canceled auto pay. Then charged the card the annual fee without my knowledge. Three months later they contacted me to pay {$68.00} which I did but they neglected to mention my account was delinquent and was being closed. Then they reported the delinquent account to the credit bureaus and negatively affected my credit rating and caused decline when I applied for another credit card. 
Cancelling auto pay is totally wrong especially with no notification. I feel its a way for Bank of America to collect more late fees and charge higher interest rates to generate more revenue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Equifax furnished a consumer report with XXXX XXXX XXXX  Account # XXXX without my written instructions that is needed in accordance with the FCRA On XX/XX/XXXX I disputed the matter via mail and filing a CFPB complaint. I sent the mail certified mail green return receipt # XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX Equifax sent me a notice of their investigation and an update of the account being DELETED. Deletion after my dispute is admission to their in accuracy of their mismanaging procedures which has affected my credit score and harmed me the consumer. Equifax Is Now civilly liable {$20000.00} Pursuant to 15 USC 1681n for actual damages sustained by me the consumer such as mental anguish and emotional distress for them reporting inaccurate information on my consumer report and all of the stress I went through to have the wait for the account to be deleted and for failing to comply with and being in accordance with all applicable law such as the FCRA. Equifax is also civilly liable {$3000.00} pursuant to 15 USC 1681 for violating and furnishing on my consumer report which should be excluded in accordance with 15 USC 1681a ( 2 ) ( A ) ( i ) ; and 15 USC 1681a ( 2 ) ( B ) which states that " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' ; " and report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' should be excluded from a consumer report which Equifax included in a consumer report with XXXX XXXX XXXX  XXXX XXXX. Not to Mention the {$1000.00} that Equifax is civilly liable for, for not being in accordance with 15 USC 1681b ( a ) ( 2 ) which states that " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : '' ( 2 ) States that a consumer report can only be furnished " In accordance with the written instructions of the consumer to whom it relates. '' I never gave Equifax any written instructions to furnish anything on My report and this is the basis and cause of my dispute.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> the items below have been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of reinserting a previously deleted item ( 15 U.S. Code 1681i ( a5B ) ). I did not receive any such notification. Delete the items immediately or I will be forced to take legal action! This situation has caused me considerable stress and sleepless nights. I have spent countless hours and days over the years on the phone, researching, and disputing these errors on my credit report a problem I didn't cause. The negative impact this has had on me, my children, and my ability to hold a steady job has been severe. I've even been on the verge of filing for bankruptcy. Experian and its associated companies like XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX have all played a part in disrupting my life. Their errors prevent me from securing housing or stable employment, despite this being completely out of my control.
Product: Credit reporting or other personal consumer reports

XXXX Account number XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX My XXXX  account was reported late in XX/XX/year>, however I made a payment on my account at the XXXX store. When I disputed it with XXXX they said the payment was made, however, something about the billing cycle that I did not understand. The payment was made after the previous payment due and for more than the required minimum.
Product: Credit card

This dispute stems back from XX/XX/2022, I ordered 3D printer filament and used my apple card as payment. The filament was marked delivered by XXXX, but I never received it and my XXXX XXXX XXXX didn't show any delivery either. On the rare occasion this has happened to me, my credit card company backed me up because I truly never received the merchandise. Not to mention it was around holiday season which everyone knows delivery mistakes occur more around that time then regular. I have disputed it with apple card 4x and every single time they do not help me at all. 

" Dear Apple Card, Not sure what information I can provide besides confirming that I did not receive the delivery as stated by XXXX. 

I honest to god did not receive the printer filament that I ordered. It is demeaning to have to file the dispute several times because someone can not comprehend the item was misdelivered during XXXX time last year. Insane this is still pending, very dissatisfied with apple cards protecting my purchases. 

Please let me know if you need anything else. 

Best, XXXX ''
Product: Debt collection

Someone Stole my wallet several years ago and all my information was in there.I gotten so many credit fraud, applying for loans, sss attempts, online shopping attempts, basically Identity theft. 
Up until now Im getting lots of phone calls that I owe them such and such. Debt collection letters and sometimes phone threats that from unknown callers. Its very frustrating and depressing at the same time I have 3 kids to raise and feed them and Im just a regular citizen of this country whom lives on a paycheck to paycheck kinda life style on top of that I have mortgage and car payments, phone bills, electric, water, sewage and garbage fees. Gas for off to work and then some. Life isnt going get easy here Washington state because there will always be challenging test to live on and I doing the best I can to survive for us to survive with all the hardship that the world can throw at us. With all due respect I wish to dispute this collections off my back so we can focus and concentrate towards living.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the collections accounts of XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/2022. Both accounts were paid with the understanding that they would be deleted from each credit bureau. XXXX XXXX  is reporting as settled but it was supposed to be deleted from XXXX and Experian. XXXX XXXX XXXX was also supposed to be deleted but it is reporting as settled and paid on XXXX, XXXX, and Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Incorrect mortgage 90-day late reporting XX/XX/XXXX on my credit reports which in forbearance I have a forbearance agreement dated XX/XX/XXXX for my XXXX XXXX  loan # XXXX. 

It confirms my forbearance arrangement was from XX/XX/XXXX to XX/XX/XXXX and it states I am eligible to extend for up to 250 days. 

XXXX now is my servicer and they are reporting my mortgage since inception XX/XX/XXXX correctly so having XXXX report as another mortgage during these same dates makes it look as if I had two instead of one mortgage, in error.
Product: Credit reporting or other personal consumer reports

Indigo XXXX Bank, XXXX and XXXX XXXX " I am opting out of your reporting services. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a domain name from Google on XX/XX/XXXX, Immediately after making the purchase, I realizes that I needed to purchase a different name, So I tried cancelling it. However, the cancellation option was greyed out with a message at the bottom that reads that cancellation will be allowed after five days from purchase date. On XX/XX/XXXX, funds were debited from my account for {$12.00} which equates to 1yrs domain registration and another {$100.00} which equates to another 9 yrs. of registration. In sum, a total of {$120.00} was debited from the account for 10 yrs. of domain name registration. On the 5th day, on XX/XX/XXXX, I cancelled the registration so that I can get a refund and purchase a different name. Today XX/XX/XXXX, I contacted Google support through the chat system as there is no phone number to contact them. I chatted with a customer representative support to inquire about the status of my refund ( shots of conversation are attached ). To my surprise I was told that the {$120.00} would not be refunded and that I would have to pay {$100.00} dollars to reactivate the domain name that I initially purchased because it was cancelled. I was told that there was no option for customers to request a refund online and that there was no telephone number to call in. I explained that I cancelled the purchase on the 5th day of purchase as stated in the website because the cancellation option was grayed out. The representative replied that the cancellation option would only cancel the domain registration and that I would have to pay {$100.00} if I wish to reactivate the domain name. I asked how to request a refund. I was told that a refund can no longer be processed because it is passed the 5 days. And that there is no option to process refund online. I explained that the refund policy does not mention that refund can not be processed online. And I find it misleading and somewhat ripped off that Google Domain does not want to refund my {$120.00} when the refund policy does not disclose essential information such as refund can not be initiated online and that consumers would need to contact google support to initiate a refund within 5 days of purchase. And it is even more concerning that the " domain cancellation/deletion '' feature would only cancel the purchase of the domain but does not initiate the refund process. I was told by a representative and a manager ( please see shots of conversation attached ) that the policy does state that a refund can not be initiated online and that the cancellation option that is on there will not grant you a refund However, the company does not want to provide me with that document as I have been reaching out to them several times via emails these past months but my emails were ignored. The company does not have a contact number so I had to request to be called back and I have not heard back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notice that i have a medical bill on my credit report that has been affecting my credit score.I haven't gave anyone my consent to share medical information with third-party consumers.This is a violation of HIPAA and it should be removed from my Equifax, XXXX, and XXXX  credit reports.Its been well over 30 days since I've received any results regarding my dispute with the 3 major credit bureaus ; Equifax, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

There is a closed account on my credit report ( s ) that is still reporting late payments, and in addition to that, all of the credit reporting agencies are reporting inaccurate information in regards to XXXX XXXXXXXX XXXX. They all display different balances, open & Closing dates and payment history. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD {$520.00} Balance Opened XX/XX/2017 2017
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX XXXX  acount # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX acount # XXXX has violated my rights. 15 USC 1681 Section 602A says I have a right to privacy. 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Debt Collection company failed to validate to truth of the debt before acceptance this matter has been disputed the third party collection agency failed to honor the dispute
Product: Credit card or prepaid card

I purchased a flight on XXXX that was supposed to earn 6.5 % cash back as per the link. Upon checking and confirming with customer service representatives I received less than that. 

I signed up for a 6.5 % rewards rate for travel purchased through Chase Ultimate Rewards. I have shared link below but also provided screenshot in case they end up changing the page. Anyways this screenshot shows the rewards rate I signed up for in XXXX, which I also called to confirm. But NOW, when I call I am being given the run around no one can answer why my rate is not 6.5 %. I sent multiple secure messages through chase portal, called and nothing. 


XXXX XXXX XXXXXXXX? XXXX & XXXX & XXXX & XXXX Then after calling today on XX/XX/XXXX and being transferred multiple times and being on hold for over an hour the call mysteriously dropped. 

Seems no one can answer my questions directly and are instead sending broad responses to specific questions that still have not been answered.
Product: Debt collection

On XX/XX/XXXX, I received a notification via email from XXXX XXXX that a collection account could be adversely impacting my credit score. I immediately initiated a dispute with all three credit bureaus as I felt I was the victim of fraud. On XX/XX/XXXX, I received notifications Transunion and XXXX that the collection account had been validated as belonging to me which I continue to dispute. XXXX appropriately deleted the record. On XX/XX/XXXX, I initiated contact with the collection agency identified as XXXX XXXX at ( XXXX ) XXXX. Their automated system said they recognized my number and that they no longer had my account and I needed to contact XXXX XXXX XXXX XXXX directly. 

On XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX  at ( XXXX ) XXXX and spoke to an agent who looked up the account using my social security number and advised there was a balance of {$210.00}. He stated that the account was opened in a retail store on XX/XX/XXXX, using my name and social security number. I asked him what documentation XXXX XXXX XXXX had used to validate the identity of the person who opened the account, and he could not tell me that. He advised that he could not tell me the location of the store but provided the account number ( XXXX ) and the mobile number XXXX. I asked him to provide the mailing address on file and he said he could not provide it ; he could only validate it at which time I recited my home address and he said it was not. He instructed me to initiate a fraud claim online at www.attfraud.custhelp.com. Upon initiating that process, I learned that XXXX XXXX XXXX  requires that a police report be filed which I did. 

I also learned that XXXX XXXX XXXX XXXXequires that I download and complete a XXXX form and have it notarized just to initiate a fraud claim. 

It is the debt collector 's responsibility to prove that the debt is mine. It is not my responsibility to prove that the debt is NOT mine. 

XXXX XXXX XXXX, Transunion, and XXXX are all mishandling this situation as they have not properly validated that the debt is mine by providing documented proof of identification associated with the account and it should have been immediately removed from my credit report and not substantiated as a valid debt.
Product: Credit reporting or other personal consumer reports

Inaccuracies INQUIRIES needs to be deleted Also inaccurate personal address needs to be deleted and add the correct address.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account name : XXXX  Account number : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I was buying hockey tickets off of XXXX. I used the app XXXX, backed by my PNC bank account. I sent the transfer over of {$400.00} on XX/XX/19 for the 4 tickets. I never received the tickets. 

I Immediately contacted my bank to dispute the transaction, they said they were unable to do anything. 

I went to the XXXX county maryland police department on XX/XX/19 and they refused to file an investigation
Product: Credit reporting or other personal consumer reports

I am having issue Going on with XXXX XXXX XXXX, ACCOUNT OPENED XX/XX/XXXX. 
CREDIT LIMIT XXXX USD. I USED FOR APPROX 23 MONTHS CLOSED BY XX/XX/XXXX BUT REPORTED AS LATE PAYMENT UNTIL XX/XX/XXXX AND CLOSED XX/XX/XXXX I had 3 Credit Cards with them in Past which all 3 were Closed, I always paid them on time and there was no no Late payment with Them Never, i always Paid them on time but its been more then 1 year that 1 of the Closed XXXX XXXX Account which i opened with XXXX XXXXXXXX on XX/XX/XXXX and i used it about 2 years and i always always paid them on time never late but suddenly they closed my card and just ended everything so later on accounts closed and paid in full all balance as agreed and account closed with them by XX/XX/XXXX but after few months i Noticed that Suddenly showing on Credit Report With XXXX and Transunion and XXXX That it is showing showing late payment for XX/XX/XXXX, and XX/XX/XXXX and then XX/XX/XXXX but paid and closed in XX/XX/XXXX, but actually it was paid and closed fully by XX/XX/XXXX So that 90 Days 3 Late payment of that single 1 XXXX  XXXX Account is still still showing on my Credit Report from last 1 year and i am Tired and Exhausted i disputed with XXXX and they not correcting the report and also the XXXX XXXX lender is not Correcting this wrong reporting I want justice because this thing affected my score by XXXX Points i am stucked badly and cannpt get anything because of this wrong reporting bad report I want justice and want that wrong Reporting to be Removed ASAP. 

ITS A REQUEST TO XXXX AND TRANSUNION AND XXXX THAT DO JUSTICE AND REMOVE THE LATE PAYMENT NEGATIVE REMARK ONLY AS THIS IS 1 YEAR NOW AND TOO BAD AND UNJUSTICE WITH ME PLEASE FOLLOW FAIR CREDIT ACT RULE POLICY OR I HAVE TO USE MY RIGHTS STRICTLY
Product: Debt collection

I have repeatedly requested that The Best Service Company provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Product: Credit card or prepaid card

I have a Barclay Upromise card and noticed a charge that we did not recognize on XX/XX/2020. I tried calling Barclay right away but was on hold for 30 minutes and then decided to email them securely. 

They responded XX/XX/2020 and suggested I try calling the merchant, which I did. It seemed clear it was fraudulent and so I called Barclay again. After waiting a 1.5 hours, I hung up and emailed again. 

They responded to the email and said they had to speak to me in person. 

I called them and was on hold waiting for a representative for 3 hours. It then took 45 minutes for them to help me get a new card. This is a total of almost XXXX hours today. Who has this kind of time?? Especially for a time-sensitive situation? 

I did receive resolution to this but I want it recorded that this was an unacceptable wait time for customer service.