23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/2023, I received my last statement for {$200.00}. I wrote and mailed the check on XX/XX/2023. That paid off my account. It was not due until XX/XX/2023. I know it did not take 12 days for my check to arrive at Capital One. Capital One failed to post the payment on time. They did not post it until XX/XX/2023. They claimed they did not receive it on time. In XXXX, I received a late charge of {$25.00} and interest charge of {$4.00}, equaling {$29.00}, claiming my payment was late. I filed a complaint with Capital One. They sent a response telling me to call them. They gave me the run around. I explained my problem. They refused to listen to me, claiming I am liable for their error. I know I can not be responsible for a late charge when I mailed the payment the same day I received the statement. Since then, Capital One is saying I owe over {$52.00} in late and interest fees. This account is closed. The matter is for the account ending XXXX as I do have other accounts with Capital One.
Product: Credit card or prepaid card

The apple credit card processed my payment twice resulting in decreased bank checking account balance. This happened twice in the last 12 months. This is a problem as it reduces my checking account balance making it difficult for me to meet other financial obligations and possibly resulting in unnecessary fees and penalties. I have reported it to the apple card support but nothing seems to be done about it.
Product: Debt collection

Debt collection company EOS CCA called my work line hundreds of times over the course of the past several months at all hours of the day. Each time a robo coller with no person on the line would call then hang up from dozens of different numbers. When I called to tell them to stop they would not respond. When I blocked their phone number they would use a different phone number, This effected my business and has cost me thousands of dollars in damages. ( Since I won't answer unrecognized numbers we have lost many prospective sales as a result. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX [ # XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Debt collection

Dynamic Recovery Solutions and XXXX XXXX XXXX, XXXX are threatening to file a lawsuit against me over what must be an extremely old debt that I most certainly do not remember. Dynamic Recovery Solutions is a company in XXXX, SC and I have no idea why I must be harassed with letters of a suit ( even on behalf of XXXX XXXX XXXX, XXXX ) when in California, the statute of limitations is 4 years. I don't have any debts with this company nor the company in which they say they are working for. 

All the unpaid debts on my credit report were paid off by me. Any other debts had to have been so old that they fell off ; therefore, out of the State of California statute of limitations. 

Please ask these two companies to stop sending me letters threatening suits and contacting me over a debt I'm not even familiar or not within California 's statute of limitations. At the bottom of Dynamic Recovery 's and XXXX XXXX XXXX, XXXX 's collection letter ( which I will upload with this complain ), they admit that by California Law that they can not file a suit or report this ( again, I guess ) to a collection agency. 

Then they say, if I don't respond, they'll do exactly that. These types of letters make it difficult to strive to make my life better. And I do not appreciate it. Thank you.
Product: Credit card

I started 2 disputes with Citi Card XX/XX/XXXX. 
Citi Cards Billing Dispute XXXX XXXX and XXXX {$3400.00} transaction date-XXXX XXXX XXXX {$3900.00} transaction XXXX XXXX, XXXX I received a letter in the mail XX/XX/XXXX from Citi cards informing me that the investigation was closed due to not receiving a response from me requesting additional information. I have called every time within 24 hrs that I received a letter and talked to a customer service representative who would put me on hold to check and then tell me it was a mistake and disregard. They should have recordings and notes in my file each time I've called. I've also sent emails and forwarded documents to XXXX multiple times. at least 37 plus emails. I had purchased 2 storage containers from a company named XXXX XXXX which I found on XXXX. I was told I had to pay for the items in full before I would get delivery because they were coming from California. I have never received the items and attempted delivery 3-4 times with no luck. I'm unable to reach the company by phone and I've been blocked on the company 's XXXX. The amounts were added back into my Citi card balance and interest is accruing on it. I did call about interest on statement, so the customer service representative reversed the interest but balance is still reflecting the full disputed amount.

I emailed another letter and documents to XXXX XX/XX/XXXX. 
I received an email from Citi Card XXXX XXXX that dispute has been received but have not heard anything else from them. The amount I'm disputing is still in my total balance. I have exhausted all avenues and sent all proof docs, emails, texts to Citi with no luck in a resolution. Citi has not and will not give me any information about what docs they received from XXXX XXXX  so I can see what was said. I haven't received the shipping containers at all. I don't understand why I have to pay for something I never received. Before I even did this I contacted Citi card and she assured me I was protected if I don't receive and if it was fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now
Product: Credit reporting, credit repair services, or other personal consumer reports

RE ; Experian Credit Report I have had several Unauthorized Credit inquiries and have contacted Experian and The Creditors Via Phone and US Mail To No Avail they have not corrected the situation and I'm reaching out to get help with this matter. 

Unauthorized Credit Inquiries List Below : XXXX XXXX XXXXl XX/XX/2019 XXXX XXXX/XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX I would Like a Copy of My Authorized OK to Pull my credit. 

Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I submitted via certified mail a notarized FTC report, police reports and a personal statement that highlighted a fraudulant/inaccurate address of XXXX XXXX on my credit report with Transunion. In addition, on XX/XX/2019 I submitted via certified mail a notarized FTC report, police reports and a personal statement that highlighted a fraudulant/inaccurate address of XXXX XXXX XXXX on my credit report with Transunion. The addresses in question are still reporting under my name and social via my personal credit profile.
Product: Credit reporting or other personal consumer reports

I recently looked at my XXXX credit report on XXXX XXXX and i saw some hard inquiries that did not have permissible purposes i also arranged evidence In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX, Account name : XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Account name : XXXX XXXX Date : XX/XX/XXXX Account name : XXXX XXXX XXXX  Date : XX/XX/XXXX has violated my rights. 


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.

Delete this inquiry due to violation 15USC 1681b
Product: Checking or savings account

The court appointed me as the conservator of the estate of an elderly gentleman. 
I gave XXXX the court order on XX/XX/XXXX. 

After nearly two weeks, XXXX told me it had reviewed the order and said I could now return to the branch to open the conservatorship checking account. 

I opened and funded the account on XX/XX/XXXX. 

On XX/XX/XXXX, I received a telephone call from a gentleman in XXXX 's fraud department who informed me that XXXX closed the account. He refused to tell me the reason. 

By this time, I had already sent a check for {$25000.00} to pay the conservatee 's home care agency for 30 days of service. The bank did not honor the check.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency pre pares a consu
mer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX 
{$160.00} XXXX XXXX {$460.00} XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$170.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Subject : Consumer credit report violations Dear, TransUnion, XXXX and XXXX I am writing to dispute the inclusion of certain utilization information related to my credit card experiences on my consumer report. I believe that this is a violation under 15 USC 1681a2, as Congress clearly states that transactions and experiences of this nature should not be included in the consumer report. 

Upon reviewing my credit report, I noticed that the utilization information of my credit card experiences has been reported, which has negatively impacted my credit standing. I would like to bring to your attention that this information should not be considered for reporting purposes, as explicitly stated by Congress. 

I kindly request that you investigate this matter and remove the utilization information of my credit card experiences from my consumer report. I believe that this action is necessary to ensure the accuracy and fairness of my credit history. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation into this matter. I kindly request that you provide me with a written response within 30 days of receiving this dispute letter, stating the actions taken to address my concerns. 

Enclosed with this letter, please find copies of relevant documents that support my claim. These documents include [ list any supporting documents, such as credit card statements or correspondence with the credit card issuer ]. 

I appreciate your attention to this matter and your prompt resolution of the dispute. Please note that I expect a fair and accurate representation of my credit history in accordance with the laws and regulations set forth by Congress. 

Thank you for your cooperation. I look forward to receiving your response within the specified time frame. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I was charged by a company for a lot of money on several transactions. The company was XXXX XXXX XXXX Ranging from XXXX XXXX XXXX 2024 there are several transactions made for {$500.00} each totaling {$13000.00}. I reached out to Chase bank to resolve this issue. Ive made 3 fraud claims and even sent them info from XXXX. Reason being I sent info from XXXX is my computer was lost and unlocked so I believe it was used to make these transactions. I had to contact XXXX because chase told me I had to give more information and they weren't going to get that information, I had to. Im at a loss and I just don't know what to do from here. If you could help in any way that would be great.
Product: Credit reporting or other personal consumer reports

From XX/XX/ to XX/XX/ my score went down XXXX XXXX. It says I must have been late on a payment. Rather than being late I paid an extra {$6500.00} on the loan. I am paid in advance. I have never made a late payment. I disputed with XXXX XXXX, XXXX and Trans union. The all responded back that I have never had a late payment and I am even paid in advance but my credit score has not been adjusted back up.
Product: Debt collection

Debt was settled in small claims court case # XXXX in the county of XXXX XXXX on XX/XX/2019. Debt collector, Genesis aka Columbia Debt Recovery, has been continually harassing me via email regarding my debt, even though the small claims judgment has been ruled in my favor. I have sent them multiple copies of the small claims judgment that was mailed to me yet they continue to contact me in attempt to collect a debt I do not owe. In fact, the defendant in the small claims case, which is also the company that the debt collector is representing, owes me {$570.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I notified Experian of my recent identity theft issue by following the steps provided to me by the FTC to block the fraudulent information on my credit reports. This notification was sent to Experian via certified mail and the tracking number is XXXX. I am attaching a copy of this mailing to this complaint. 

Experian received this notice on XX/XX/2023. FCRA 605B ( 15 U.S.C. 1681c-2 ) states that " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt '' Today is XX/XX/2023, 13 business days after Experian received the notification and the fraudulent information is still appearing on my Experian credit report. Experian is in violation of FCRA 605B. If this information is not corrected I have the intent to file a lawsuit against Experian for violating my rights as a consumer under FCRA 605B.

I have not received any communications from Experian regarding this issue as of XX/XX/2023.
Product: Credit card or prepaid card

I have a cash app account under the name $ XXXX my email is XXXX XXXX XXXXXXXX I was unaware that cash app had converted my account in 2022 a business account charging me 2.75 % fees every time I received money Id never elected willingly or knowingly to have a business account it was a personal account for personal use I contacted them XX/XX/XXXX through their chat line they did not respond back I contacted them XX/XX/XXXX they agreed to give me XXXX dollars for the past XXXX days they will not work with me any further they have no management to escalate to they technically have been charging me for XXXX years for these erroneous business fees but I did not ever convert the account myself they disconnect my call even though I am not being belligerent or unkind and tell me they can not help me any further although they Stated they can only give me the money back that they charge from the date I called which was XX/XX/XXXX but they didnt they gave it to me from XX/XX/XXXX forward they will not have a manager contact me they state theres nothing more they can do it is unfair and unjustifiable that they have charge me on the money I have received I have proof of this on my phone that Ive contacted them also the fees they have charged they are unworkable can someone assist me I believe that you oversee cash app
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit monitoring and received an alert that there was a collection account placed on all 3 of my credit reports in the amount of {$100.00}. I called Credit Collection Serv to inform them that I had no knowledge of this account and further, that I had never received notification of this account in the mail or otherwise prior to them putting it on my credit report. They told me the account was for an insurance policy with XXXX. I told them I do not have insurance through XXXX ; my policy is with XXXX. The vehicle they told me the policy was for, I do not own. I demanded they remove this notation from my credit report, but they have failed to do so. I am not sure which is more concerning : having a collection in my name for a car that I do not own, or having an account pop up on my credit reports with no prior notification of the account, in violation of the FCRA. This account needs to be removed from my credit reports ASAP as it is currently impacting my ability to obtain credit and is a FCRA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have for a year been trying to have Equifax stop reporting inaccurate information on my credit file. I have showed them my tax transcripts, proof that an account ( XXXX XXXX XXXX Acct # XXXX ) could not possibly be mine. At the time of the opening ( 2016 ) of this account I did not have a job or proof of income nor did I file for taxes, so no bank would ever have given me any type of loan. Despite of showing proof that this account is inaccurate, I have requested them to show proof that they have the right to report this information 6 times which they have not provided at all. This is a continuing violation of my rights as a consumer and against the Fair Credit Reporting Act regulation. XXXX  has stopped reporting this inaccurate account. I have showed Equifax proof of this on my last dispute and still havent stop reporting it. I have attached proof of my Transcripts showing that i did not file for taxes 2016 and that XXXX  has deleted the account. Equifax must also stop reporting this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my updated credit report, I see that some of the accounts were erroneous. The 3 credit Bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  Balance : {$930.00}, XXXX XXXX XXXX  Balance : {$3300.00}, XXXX XXXX Balance : {$1200.00}, XXXX XXXX Balance : {$680.00}, XXXX XXXX  Balance : {$14000.00}, XXXX XXXX XXXX Balance : {$550.00}, XXXX XXXX XXXX  Balance : {$490.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. SYNCB/PAYPAL, Inquiry : XXXX XXXX, 2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.