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

In XX/XX/2023, Bank of America sent me advertising for a 0 % interest XXXX credit card. I applied, got approved, did a balance transfer to another higher rate credit cards, and used it for some purchases. All went well and no purchases was charged interest. Just like all the other cards with 0 % interest that I have. 

In XX/XX/2023, Bank of America sent me another advertising, this time for a 0 % interest XXXX card with XXXX XXXX. They put me through the exact same application process and screens, I got approved, set up another balance transfer and started to use the new cards because it was 0 % interest just like the other cards they just sent me. 

Now, I got the bill from the XXXX card and they are charging me over 20 % interest on all the purchases I made. So, today, XX/XX/XXXX, I call customer support and they told me that they could not do anything about the misleading advertising and sequence of events in which they tricked me into thinking I was getting the same deal as the first XXXX card they offered me. So I asked to open a complaint and to give me a case number, they said there was no way to open any complaint that all they could do is write my concern in their notes and that the responsibility to read the contract, their fine prints and misleading financial jargons was on me. So I asked for the advertisement that they sent me with the huge 0 % rate on it to see if that had clearly explained that there would be charges for purchases and only the balance transfer was part of the promotion. They said they don't have any way to give that information and there is nothing else I could do to dispute those charges and that was all my fault for assuming that the previous card, with the exact same application process, was not the same promotion as the second card. 
So then, I started to record XXXX XXXX XXXX, who gave me these responses and asked him to repeat all of them, he did and then told me he could connect me with the marketing department, which I said yes please connect me with the marketing team, so he gave me a sarcastic good bye and put me on a automated system that had no options to talk to anyone in the marketing department and the call was disconnected. 

I have the recording available if you need. Your side does not allow for large files to be uploaded so I couldn't attach it here.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I have a PayPal credit account. The credit account includes credit from PayPal directly, and a link to my XXXX credit card. I once paid a PayPal credit bill using direct pay from my bank account. On XXXX XXXX, PayPal, without my consent, or any notice to me, debited my bank account for a PayPal credit transaction. I never gave authority for PayPal to ever directly charge my bank account.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX Balance : {$970.00} XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$8500.00} XXXXXXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX This account has been paid off and I received a paid off letter and now they are reporting this info on my report with is defamation of my character and causing me stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on. 
15 U.S. Code $ 1681c-2 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit card

PayPal Credit is charging me late fees and deferred interest charging and not properly processing my payments. I send two payments in for {$1000.00} and {$45.00} on XXXX XXXX, 2015. Today I was informed that my payments were not processed and I have been assessed {$100.00} in interest and {$35.00} late fee. My bill is not going down and I keep getting hit with late fees.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found billing errors showing late payments, which dont reflect my actual payment history. Please make the necessary updates.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> tenant XXXX XXXX sent {$1000.00} RENT payment to my Wellsfargo account via XXXX tenant says that this was mothers account and daughter didn't tell her ( it was ok with mother ) on XX/XX/year> same tenant XXXX XXXX sent another {$750.00} RENT payment via XXXX to my wellsfargo account - no problems however when mother disputed the {$1000.00} XX/XX/year> payment WELLSFARGO SUSPENDED MY account WHEN i CALLED wellsfargo they indicated that trasferror filed complaint I asked why they did they send XXXX payment next day - crickets - ie no response Wellsfargo has rufused to this day to put the {$1000.00} into my account It is pure THEFT by bankster
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX at Equifax on XX/XX/2022 about the late payment that appears on my credit report I request the following late payment to be delete and removed off my Equifax credit report : XXXX XXXX XXXX '' late payment amount of {$17.00}.
Product: Credit reporting or other personal consumer reports

I submitted a complaint to the CFPB against Equifax because after several hours and phone calls of trying to get help with creditors not being able to obtain my credit report I became frustrated. 

Equifax replied that they would look into in it. It still has not been resolved but now today my credit score dropped XXXX points!!! No new credit or deliquencies have been reported. My other XXXX reports are reporting an accurate score. So now not only is my credit not able to be pulled ( it isn't fixed ) they now decreased my score while trying to fix it. 

This is unfair and something is clearly wrong here. I can not get help. I call no help. I send a complaint to CFPB and now it's even worse. 

There is no way my score should have dropped XXXX points!!!!
Product: Checking or savings account

XX/XX/2022 I found out us direct express card blocked my card from being used for legitimate purchases. They are telling me I have to call each time to use my card online and wait on hold over an hour so they can " temporarily authorize '' my card and I have a XXXX hour wait after they do so. This is financial abuse because I am an adult on SSI who knows how to manage my own money. I never had a payee in my life!
Product: Debt collection

I was a victim of identity theft fraud and I have filed multiple disputes with this company and the credit bureau, yet it remains on my credit.
Product: Debt collection

this was in old debt from XXXX, I agree to pay this debt in XXXX I payed on this debt for 4 to 5 years tell the judgement was removed off my credit report in XXXX. Now XXXX XXXX XXXX through Eaton Group Attorney trying to open a case that judgment was release. Also during the times I was paying them it was call XXXX XXXX   XXXX by XXXX XXXX XXXX with the Eaton Group Attorney. My credit report was clear of this debt and for them to try and come back for same debt with enough name is bad business for an attorney group. I know these things have a station of liminition on how long you can go after a clinic. Please instruct this no good law firm to stop harassing me with these letter of demand from something that's almost ten years old. If you guys give me a fax number I will send you some payment I send them over the years. I also payed them through garnishment when I work for the XXXX which I retired from on XXXX. See I m on a fix income and don't need to be harass for something that I agreed to pay when I was working.
Product: Credit reporting or other personal consumer reports

Citibank reduced my credit limit from XXXX to XXXX while my credit balance was already XXXX. That made it look like I was over my credit limit by XXXX. That made my credit worthiness look very bad. Before they reduced my credit limit I was never late infact I always paid a week or 3 days before the due date and always more than the minimum payment. Then on my bill they were stating that the minimum payment due was XXXX for the month. I wrote several letters and nothing was ever done noone wrote or called me back. And during the times that I was waiting for someone to help me with this situation I was getting several 30 days behind. I did not have XXXX dollars to pay for a monthly payment. I finally spoke to someone at about XXXX XXXX XXXXXXXX morning and she told me that my payments will be only {$160.00} each month and that is what I have paid for XXXX yr and a XXXX. And she said she would send the situation up to a management team to state the conversation as well and nothing changed. Still never late. This is impacting my credit in a really big way. It shows that my monthly bills are much higher than they are. It has dampened and darkened many things that I could do with my life and my home it causes denial each time. I have disputed with all credit bureaus as well. I am very distraught.
Product: Credit card or prepaid card

My original complaint wasn't resolved or fully addressed. I did not receive 6 months of personal coaching. 

On XX/XX/XXXX, I purchased a " 6-month personal coaching package. '' XX/XX/XXXX was not the actual " start date '' of this program, and the coach claims that the end date is XX/XX/XXXX. Even if the official start date was XX/XX/XXXX, 6 months would be up on XX/XX/XXXX. On Friday, XX/XX/XXXX, XXXX texted me and advised that my program ended on XX/XX/XXXX. According to my computations, XX/XX/XXXX to XX/XX/XXXX does not add up to 6 months time. After being misled about this program, I only received one document identifying my baby step to work on dated XX/XX/XXXX. No other goals were formally documented and/or tracked. XXXX has no credentials, licensure, education, etc. that allow her to operate in the capacity that she attempts to. She gives erroneous medical recommendations, which are far beyond her scope of practice. Again, she doesnt have a medical degree to practice in this capacity. XXXX also attempts to act as a mental health practitioner, asking questions about childhood/background and making canned recommendations based on responses. XXXX is not a licensed counselor, social worker, or therapist and should not be acting in this capacity. The weekly XXXX  that XXXX was offering access to were not tailored to specific individuals and everyone in her program has access to these XXXX. However, the majority of the time, the XXXX  links dont work, and program participants cant get on. Not that the material shared in the XXXX  is anything unique or of particular value. Again, these are generic XXXX  ; not tailored to anyone specific. Lastly, to reiterate and recap, XXXX does not have any type of certifications whatsoever. She is unqualified to be operating under her current business model. She claims to be knowledgeable about various health conditions solely because she herself suffers from them. Its a ridiculous scam, operating under the guise of a program. Furthermore, it intentionally targets vulnerable populations, suffering from health conditions, which again, XXXX is unqualified to treat/diagnose/make recommendations for.
Product: Checking or savings account

Numerous expensive amounts were unauthorized yet approved within my account. I have disputed with my financial institution ; yet I have received a denial on my claim. Reason of decision is because The purchase ( s ) were made in the surrounding geographic area. Which makes no logical fallacy in resulting a denial!!!!!!!!
Product: Money transfer, virtual currency, or money service

I received a payment of {$1500.00} on my VENMO account. I initiated a transfer of those funds to an account I use to have at XXXX XXXXXXXX XXXX I had not transferred money to that account in a while and immediately realized after I had requested the transfer that my account at XXXX XXXXXXXX XXXX ( now XXXXXXXX XXXX ) had been closed. There is no option to cancel a transfer on the VENMO app. When I went to the pending transactions portal there is an option to request a cancelation. I proceeded by pressing the option link and was prompted to a series of questions, including whether the transfer had been initiated within the hour and I responded YES. I was then sent to a live chat. When I requested a cancellation of the transfer because I mistakenly sent it to a closed account, I was informed that nothing could be done. There was no explanation as to why a transfer that had been initiated only minutes earlier could not be cancelled. Now I may be without access to my money for several weeks until this matter is resolved.
Product: Debt collection

I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX. The letters were informing them that the debt in inaccurate and requested a letter of validation. These letters were sent to both the credit reporting agencies and the collections agencies. I later realized that these medical bills were a result of a Virginia State workers comp case and that I should never been billed since I was hurt on the job. I was recently informed that the it was unlawful for them to attempt to collect the debt from me and that it should have handled and paid by the insurance company. 

I have attempted to contact both the collectors and the credit reporting agency and my request have been ignored. As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report. 

I am requesting that the account ( s ) be deleted from credit report and all further bills be paid by the insurance company.
Product: Bank account or service

TD Bank reported me to XXXX on a " erroneous checking account that I have no knowledge of opening ''. I did have XXXX checking account not XXXX with them. The one they are reporting abused is causing issues with me trying to open a checking account at another bank. I tried in good will to get resolved and they refused.
Product: Credit card or prepaid card

Synchrony accounts with promotional balances without a convenient or efficient way to make and apply payments to promotional balances without calling in. Multiple attempts at having Synchrony apply the payments to promotional balance to avoid paying interest when not paid by promotional balance due date. After calling several times waiting due to high call volume, I spoke to a representative who assured me the payment would be applied as I intended yet they applied the payment to the incorrect account. After calling again, I have been advised that it will take up to two weeks to apply correctly. I am writing this complaint as a consumer as many would not be aware of this and cause unnecessary interest being collected when there are more than 1 promotional balance accounts. This is wrong and must be fixed. Payments made are automatically applied as they want and the consumer has no control or method to apply payments to the accounts directly. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account.
Product: Debt collection

Payment in amount of XXXX on XX/XX/2020 at XXXX made to company, reference # XXXX. Bank statement reflects payment of XXXX processed on XX/XX/2020. Company refuses to remove this from credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite informing credit bureaus several times of the case with XXXX XXXX but I filed before this case several times regarding a fraudulent purchase whereas the dealership in the salesman himself ended up prosecuted and doing time in State prison for ID theft. Is it gainst federal regulations to continue to display negative information on my credit report once credit bureaus have been informed. XXXX  XXXX is quite aware of the incident with XXXX XXXX and the dealership supposedly sold me the car something I am still trying to wrap my head around on how it ever happened.
Product: Credit reporting or other personal consumer reports

Beginning in XX/XX/year>, I requested a copy of my consumer report after being denied an extension of credit from an auto dealer. Upon reviewing my reports I found several inaccuracies throughout my report. I then submitted dispute letters to validate and correct the information. I received a response from the credit agencies that simply said the information was verified. However, in my dispute letters, I required that the reporting agencies provide me with the initial account documents that would have established the alleged debt as well as the procedure used and the parties involved in their investigation. None of that was provided. After the first, second, and third attempts to get this information that is required by law when requested, I sent another letter informing them of their willful negligence to comply with the law and my rights to privacy, accuracy, and fairness in the reporting and sharing of any of my personal information. However, my requests for them to comply with the law are still to date being ignored and I am still being willfully violated. I have included with this complaint, a copy of the letters and invoices I have provided to the agencies for violating the consumer protection laws that were created to protect my privacy rights and fairness in the reporting of my personal information. As a federally protected consumer, I have been financially and emotionally injured by these private agencies who are actively committing identity theft as I have not authorized in writing or otherwise the reporting of my non-public personal information or transaction history as it relates to the alleged debts and accounts disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX information in my credit profile on XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Under the Federal law : I respectfully sent in notarized and certified letters on XXXX, XXXX and still no response. Also, please add a promotional suppression to my credit file. 


Thank you,
Product: Credit reporting or other personal consumer reports

FCRA 605B says they should remove incorrect accounts from reports. Could you please look at the documents? The accounts on my report are wrong, and it's upsetting and worrying me.