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

Statement balance of {$5000.00} was due on XX/XX/2018. On XX/XX/XXXX, I paid the the statement balance off in full, well before the due date. On XX/XX/XXXX, I received a statement indicating I owed {$39.00} in interest charges. There was no cash balance on my account therefore should not have been charged finance charges on the account. I contacted Capital One via chat and was not they did not have the option to waive the charges. The first CSR stated " The amount in question is interest that is owed on unpaid balance from the time between when Capital One calculates the balance due and sends a statement, to the time the balance is paid and we process the payment '' I was then transferred to a " Supervisor '' when I was not willing to accept their response. 
The supervisor stated he also did not have an " option '' to waive the charges. 
Adding insult to injury the statement indicated to avoid finance charges on my next statement on new purchases I should pay {$4800.00} as an Interest Saver payment. 
The information is conflicting and not clearly outlined. If I was to pay more than those two amounts quoted on their statement, it should be included. I am requesting the charges removed from my account, in addition to any other credits they are able to provide for their lack of consistency.As such a largely recognized company they should be a bit more clear and willing to do more for their customers in good standings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been monitoring my credit score for the last 2-3 years.
I signed up for XXXX in XXXX of 2015 and have been monitoring my credit report and score. XXXX has FICO scores, and they currently give me a score of XXXX.
I also signed up for XXXX earlier this year because they seem to use a different model called XXXXXXXX XXXX. My score on XXXX is XXXX.
Bank of America seems to use FICO scores from XXXX. However, neither their FICO score, nor XXXX score matches my credit score on either of the individual credit bureaus. BofA gives me a XXXX. Not sure how they come to this score and they wo n't give an explanation.
When I visited a BofA branch, I asked the representative about this and they did not have an answer for me. They just said we pull the score from XXXX, to which I told them that my score on XXXX is much different that what they show me. BofA credit score makes it difficult for me to ask for a credit line increase, they have turned me down once already.
My job requires me to travel quite a bit and use my credit card for flight and hotel bookings, and I have to keep paying it off 3 to 4 times a month every time I travel.
It would be great if BofA could explain how they give me the credit score they show on online banking and correct it to what XXXX actually shows as my credit score.
Product: Credit reporting, credit repair services, 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 inder 15 USC 1681XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 U.S.C 1681 section 602 A. Section 2 : Its also states a consumer reporting agency can not furnish a account without 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: Debt collection

This account is involved in litigation. 
I have not applied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Debt collection

On XX/XX/22, I received notification that my credit card interest rate was increasing based on my FICO score recently received. I had not done anything that would prompt a change in my FICO score so I ordered my credit report to make sure there were no changes in my credit history. To my surprise, there was a collection item placed on my account. I immediately call the collection agency to confirm what the item was for and they indicated that I had an outstanding medical bill from last year. When I asked for the details, they had none. They just wanted to know if I wanted to " settle the account today ''. Not sure how anyone else handle their finances, but I don't dish out money without details. My concern is that the collection agency did not do their homework to confirm if the debt was legitimate prior to posting it to my credit report. As a result of this collection item my FICO score was significantly reduced and resulted in a 6 % rate increase to one of my credit cards. I have disputed the claim with the credit bureau and looking to get additional information to confirm the debt is outstanding. If it is legitimate, I will pay the debt however, I have a one important question for the company that submitted the debt to the collection agency. Why is the first point of contact for the debt from a collection agency?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Public Records : XXXX  XXXX Bankruptcy XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Employer : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Public Records : XXXX  XXXX Bankruptcy XXXX Inquiries : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX  XXXX Addresses : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Public Records : XXXX  XXXX Bankruptcy XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate. 

XXXXXXXX XXXX account number XXXX
Product: Checking or savings account

On XX/XX/2017, I discovered that a check I had written for {$160.00} to XXXX XXXX XXXX, a medical facility, had been cashed for {$2600.00}. I went to my Citibank branch that day, and I was told that it appeared the check had been stolen from the mail and " washed, '' then altered to change the amount and the payee. The bank branch said this was a common problem in our neighborhood, but that my funds would be restored. I completed as affidavit for Citibank that day, and included a copy of the canceled check which Citibank provided me, which shows the altered check was changed to payee XXXX XXXX, a name I have never heard of, and which is clearly written in a handwriting that does not match my signature. I also provided information showing that I had to pay the correct payee, XXXX XXXX   and that they had not received the original check.

I have asked Citibank several time if the funds can be restored to my account while the bank pursues the fraud, but they say that is not possible until the fraudulent payee returns the money. I believe Citibank is responsible for going after the funds and should credit my account in the meantime.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for failing to conduct a reasonable reinvestigation of my dispute, as required by the Fair Credit Reporting Act ( XXXX  ). 

On XX/XX/year>2025, TransUnion responded to my dispute with the following statement : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This response is unacceptable and constitutes a failure to investigate my dispute. The FCRA mandates that credit reporting agencies must review consumer disputes and correct or remove inaccurate, incomplete, or unverifiable information. I personally submitted my dispute, along with proper identifying documentation, yet TransUnion refused to investigate the disputed items. TransUnion 's response was incorrectly addressed to " XXXX XXXX XXXX XXXX, '' which is not my correct legal name, further demonstrating their failure to properly review and process my dispute. 

I am including a copy of my original dispute letter, which details the specific inaccuracies I requested to be corrected or removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$670.00} ; XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$590.00} ; XXXX XXXX XXXX  XXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$3100.00} ; US DEPT OF EDUCATION XXXXX Balance : {$0.00} ; XXXX XXXX XXXXX Balance : {$280.00} ; XXXX XXXX XXXXX Balance : {$200.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Account # XXXX opened- XXXX XXXX amount- XXXX $ I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as Equifax and XXXX to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801. 

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX XXXX system are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ). 

Regrettably, I have not been duly informed by XXXX XXXX system of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( XXXX ), is a direct violation of my privacy rights and the statutes outlined within the FCRA. 

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. Equifax and XXXX 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns. 

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect. 

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

Sincerely, XXXX XXXX
Product: Debt collection

This account is undoubtedly recorded as a charged off account. Kindly also produce documentation to ensure all the charges and credits in this claimed account that drove to the quite high credit amount you might have indicating on my credit report. My request to supply this documentation is a standard information demand based on my privileges approved with the fair credit billing act. Please make sure you straight away eliminate this erroneous post.
Product: Credit reporting or other personal consumer reports

I am writing to you with immense frustration and concern regarding my repeated attempts to address the fraudulent items that persist on my credit report. Despite multiple efforts to dispute and rectify this issue, the fraudulent items continue to damage my financial reputation, and I insist on immediate resolution. 

I have initiated disputes for these fraudulent items on numerous occasions and yet they remain on my credit report, causing distress and limiting my access to loans, credit cards, and other financial services. I have provided comprehensive evidence to support my claims during each dispute, yet there has been little to no progress in resolving this matter. 

The presence of these fraudulent items has had a severe impact on my financial life. They have significantly lowered my credit score, making it difficult for me to access loans and credit on favorable terms. It is my right as a consumer to have an accurate and just representation of my credit history.

I insist that you treat this matter with the utmost seriousness and urgency. I am enduring ongoing financial difficulties due to these inaccuracies, and it is essential that you take prompt action to correct the situation. I request the following : An immediate, thorough, and unbiased investigation of the fraudulent items in question.

Regular updates on the progress of the investigation.

Immediate removal of any inaccurate or unverifiable information from my credit report.

A formal, written explanation of the results of the investigation.

I trust that you will address this issue promptly and effectively. Failure to do so may lead to legal action to protect my rights as a consumer.

Enclosed with this letter, you will find copies of the evidence I submitted during my previous dispute attempts for your reference. Please acknowledge receipt of this complaint within 15 days and inform me of the steps being taken to resolve this matter. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Good afternoon, I would like to file a report about this lending app INSTACASH XXXX  in play store that continues sending me grave threats everyday about my loan. At first, they adding so much high loan interest to the money that I got, where in it is higher than 6 % which is illegal. Already talked to them that I can settle the payment by tomorrow. 
Please take time to see the photo attachments here. Please take further actions immediately and ill be waiting for your response. 

Thank you and More power!
Product: Credit card or prepaid card

The new bill for XXXX arrived with an annual fee of {$390.00}. Usually, we receive a travel voucher for same amount with American Express travel to be used by XXXX. 
I am having difficulties getting paid through my work. I requested Amex Credit Team on the XX/XX/20 at XXXX ( XXXX ) to extend my time to pay the fee over 2 months without paying interest. She declined and advised me to pay it off monthly and pay interest or call up to have the interest removed after payment date. This would affect my credit ratings. I have been a customer of Amex for 33 years without a single default. I am also questioning their attitude towards their annual fees as the travel vouchers can not be used for an unforeseeable time. 
XXXX asked me to cancel my card if I was not happy with her answer, but I would still have to pay the fees, even though this fee is a fee paid in advance. I would have liked to keep my card but will cancel if they do not remove or defer the fees.
Product: Checking or savings account

On XX/XX/year>, HSABank made two " Transfer Cash to Investment '' debits to my account of {$2900.00} each. However, I did not authorize these two transfers on XX/XX/XXXX and and neither cash debit was ever transferred to the Investment Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am actively serving in the United States XXXX XXXX and am looking to use my VA benefits this year to purchase my first home with my husband. Upon review of my credit report, I noticed a 60 to 90-day late payment on my student loan ending in XXXX in XX/XX/2018. However, per review of my Navient account : I made a forbearance payment XX/XX/2018. If forbearance covers me for 30 days, why is it that I was reported 60 to 90 days late on my credit report in XX/XX/2018? Please see attached. 

I monitor my account closely so based on this information, my account was current.
Product: Debt collection

I have reached out to Convergent asking for a statement to be mailed. I aswell has answered one of the many calls from the collector and had asked her to send a paper statement and the collector hung up on me and then repeated to call several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a collection agency called XXXX  # XXXX called me at least 5 times a day regarding a {$160.00} charge from XXXX. I went to the XXXX office in XXXX XXXX XXXX Florida Back in XXXX when the charge first showed on my bill. We had paid for an International calling package for the XXXX. Their advertised free talk text and data. This charge is for roaming which should have been included. The XXXX XXXX XXXX office said DO NO PAY. Then it gets sent to a collection agency who will not listen and will not investigate. I do not owe this bill. TransUnion is taking the word of a disreputable collection agency, not the company who charged me the bill. Look at my credit. I have ALWAYS paid my bills for 40 years+ on time. I will not pay a bill no matter how small that is not owed by me. The amount of the charge is now an amazing {$280.00}. There is no talking to this collection agency and XXXX won't do anything now because it was mistakenly sent to collection.
Product: Credit card or prepaid card

Since I filed a complaint with CFPB last year I have been retaliated against by Comenity Bank. I had two credit cards three years ago paid in full never late. They closed them because they stated fraud was reported ... not true! Like I said I paid the accounts that I had never late. In fact they stopped reporting that to my creditors and the law states they have to report to credit reporting agencies for 10 years so right there they are currently out of compliance. Any time I would apply after the fact they decide to decline my application stating a bogus response. I believe they have black listed me because of a previous complaint.
Product: Money transfer, virtual currency, or money service

Immediately after noticing fraudulent charges on my cash card covered by FDIC and regulation e Laws, I reported my card lost or stolen and filed disputes with Square Inc. both were denied within XXXX day and I filed a XXXX claim for that too be denied too even with the clear evidence I provided from the merchant and police report. Also breaking FDIC banking laws I asked for documents and never were provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A company named XXXX XXXX XXXX started reporting collection of {$1500.00} on my credit report and has been reporting late payments on monthly basis since XX/XX/year>. I have asked them to send me a proof that this dept is mine. They are illegaly reporting inaccurate information about me. The following alleged account is not only listed as being open but also as having a past due balance. This is a violation of FCRA and is in violation of requisite XXXX Compliant reporting Standards. They are required to remove any information that is not true, verifiable and accurate.