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

American Express offered a 0 % on balance transfers until XXXX XXXX on balances that were transferred before XXXX/XXXX/XXXX. 
Submitted an application and approved for a balance transfer of {$1500.00} that was processed on XXXX/XXXX/XXXX. Considering that I only submitted an application for the 0 % balance transfer to take advantage of their offer to save money from paying interest on another credit card, I had applied and had gotten approved as that is what American Express had advertised. 

I have never used the card for any purchases as the sole intent was to utilize the 0 % to payoff a previous credit card. When the first billing cycle closed, I was charged interest of {$8.00} for the balance. I have reached out to American Express via their Mobile App on XXXX/XXXX/XXXX and asked as to why I was being charged interest as that is NOT what they had advertised to get me to apply for their credit card. 

I received the response from their representative CONFIRMING that my introductory APR on Balance Transfers posted to my account by XXXX/XXXX/XXXX is a variable rate of 0.00 % through my billing period ending in XXXX XXXX. After that, my APR will be a variable rate of the Prime Rate + 14.74 %, currently 18.99 %. 

So when I asked why was I charged interest, there response to me was as follows. 

I would like to share that there is a KNOWN issue and our team is working on resolving it. Let me open a request for your account. I have raised a request for your account once the inquiry gets completed, the finance charge will be reversed. 

I had then asked to file an official complaint as this was a deceptive act as they did not honor their advertised program of 0 % interest on balance transfers and had I not reached out, they would have not submitted for the issue to be corrected. I did advise to them that since this was a KNOWN issue, that this may also be impacting several other customers that have opened an account with them and I should n't have even had to reach out to them for them to correct it. 

It is now XXXX XXXX, XXXX and the Finance charge still has YET to be reversed off of my account. When I reached back out to them again on XXXX/XXXX/XXXX, their response was that they still had to investigate and will receive an answer within 6-8 weeks. AFTER they have admitted that there was a known issue on their system, and that it would be corrected. 

So now another billing cycle has ended, and am now charged with more interest of now {$25.00}. I still have yet to use the card to make an actual purchase but am being charged interest either way. I have noticed on the statement that they have submitted my balance transfer as a " purchase '' rather than a balance transfer. 

I have attached both of my statements to show that it clearly shows that there was a balance transfer, and it was wrongfully inputted as a purchase. 

American Express still has not submitted the correction and have now resulted in me having to file an official complaint with CFPB as this is a deceptive act as they offered me 0.00 % interest, and the are not honoring it.
Product: Credit reporting or other personal consumer reports

Dear Equifax Dispute Resolution Team, I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : 1. This inquiry was not authorized XXXX inquired on XX/XX/year> Please remove it from my credit report 2. This inquiry was not authorized XXXX Inquired on XX/XX/year> Please remove it from my credit report 3. This inquiry was not authorized XXXX Inquired on XX/XX/year> Please remove it from my credit report In accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.C. XXXX. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification )
Product: Debt collection

reporting inaccurate information to my consumer report, dates opened, balance owed should be XXXX, it's a charge off account
Product: Mortgage

On XXXX/XXXX/2017, I requested the name and contact information for the investor that owns my loan which is currently serviced by XXXX XXXX XXXX. To date, I have not received a response from XXXX XXXX.
Product: Checking or savings account

I have an checking account with U.S. Bank Account Number XXXX. 
Branch Manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX emal XXXX I was informed on XX/XX/2018 that my account XXXX XXXX XXXX XXXX is in an over draft state negative {$570.00} and that On XX/XX/2018 my account will be charged off and closed if it is not brought current. I was informed by XXXX via telephone on XX/XX/2018. 
I had spoken to XXXX XXXX, the U.S. Bank Branch manager of the XXXX U.S. Bank before XXXX and informed her that my bank account had an entity make an unauthorized withdrawal of over {$200.00} un beknowst to me in XXXX. That all of the charges against my account have been made by U.S. Bank as a result of the unauthorized overdraft, through no fault of my own. 
Prior to XXXX  Ms. XXXX promised that she would have my account credited for all of the over draft charges which would bring my account current. Thus far Ms. XXXX has failed to take the necessary remedial action to have all of the U.S. Bank over draft charges removed from my account. 

I am XXXX, a senior citizen, a XXXX person, a protected person as defined by the Americans for Disability Act and need and value my U.S. Bank Checking account which I have had now for several years. 
XXXX, I am requesting that the CFPB contact U.S. Ban k Ms. XXXX XXXX license to work in the Banking industry for her failure to remove all of the U.S. Bank Over drafts from my account as she said she would do.
Product: Credit reporting or other personal consumer reports

These accounts were illegally obtained via my credit. I am so tired of keep disputing fraudulent items. Please remove these off my Transunion and XXXX report as this is hurting my score with fraudulent information. 

GREEN DOT BANK Balance {$57.00} Acct Number XXXX Date opened XX/XX/20XXXX XXXX XXXX XXXX  Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, XXXX  XXXX XXXX Balance {$150.00} Acct Number Account number XXXX Date opened XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Notice for Proof of Claim Account : XXXX XXXX XXXX XXXX To Whom it may Concern : This is a complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit bureaus letters asking them to verify the debts on my report on XX/XX/2022. They have completed the investigations stating that the debts were verified or updated. Today XX/XX/2022, I pulled another credit report and this report is still report inaccuracies. 

I have attached the letters sent to each bureau. 

screenshots of the response also attached is pages related to each account from my updated credit report, highlighted inaccuracies. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any credit reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Loan number XXXX Mr. Coorper PXXXX XXXX, XXXX, OH XXXX Address of the property XXXX XXXX XXXX XXXX, VA XXXX I received a letter notifying tha my hazard Insurance expired, I don't know how it can happen when they are who has contact with Insurance Co.and do the payment. 
Immediately take a new insurance with my agent local one have me all my insurance. 
On XX/XX/XXXX I received another letter with a charge of {$74.00} for 23 days the lapse period the cost of this Insurance would be {$1100.00} per year, my insurance cost me {$500.00} per year Because I have to pay that cost if it is not my responsibility what happened Tanks
Product: Credit reporting, credit repair services, or other personal consumer reports

As quick as I can request a copy of the permissible permission from XX/XX/2017 and complain about Experian and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  did not have permissible permission to access my credit report, XXXX labels as a duplicate while Experian tries to act like our government by shuffling paper. Shame on whoever is reading this for being a low paid pawn of a large company. Treat others the way you want to be treated.
Product: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Phone Number ] [ Email Address ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, Zip Code ] Re : Letter to remove Inaccurate Credit Information to whom it may concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months Thank you for your time and help in this matter. 

Sincerely, [ Your Name ] [ Your Signature ( if sending a hard copy ) ]
Product: Credit reporting, credit repair services, or other personal consumer reports

This company pulled my credit report on these dates unauthorized XXXX XXXX XXXX
Product: Vehicle loan or lease

Regarding my account with American Credit Acceptance, I have fulfilled my obligation of the settlement agreement and paid off the loan in XX/XX/2017. I still have not received a title and called the bank on XX/XX/XXXX and XX/XX/XXXX to inquire. I was advised that a request was made to look into the loan as the balance remains at {$23000.00} in their system. Furthermore, the account is showing that I am in default with a past due balance of {$2000.00} plus. This is not acceptable as this all impacts my credit score,  debt to income ratio, and ability to sell my vehicle.
Product: Debt collection

I found this company has been re-aging and opening new accounts on my credit report. Some accounts they are reporting as charged off 16 times for a single unverified debt. I sent requests for validation on XX/XX/19 and did not receive anything back in the 30 days from the date of my letter. Since they have continued their opening of accounts reporting them as new using new opening dates not related to the original opening date of the original debt. They are also reporting duplicates which now shows almost 30 bad accounts on my report when Ive never had 30 credit card accounts in my like.
Product: Debt collection

XX/XX/2018 I called AmSher Collection Services this morning at XXXX  to pay a debt that I don't agree with however I'm in the middle of closing on my house & need it off my report immediately. I asked the agent XXXX XXXX to agree to sending a letter on letterhead showing the debt was paid in full & will be removed from my credit report, he advised me they have no such letters in their office. I asked for his supervisor, he said I need to call back after XXXX to speak with her. I asked for her name he advised it is XXXX XXXX. I am willing to pay this debt off in full today w/ an agreement that I receive the letter I requested so I can give it to my loan officer for closing purposes. This debt shouldn't ever been on my report per the agreement w/ XXXX XXXX w/ XXXX Corporate   office ( see attached documents ) The XXXX  debt they are collecting has been turned into the XXXX & the FCC.

Thank you for your help!
Product: Credit reporting or other personal consumer reports

I have tried to receive my credit report from LexisNexis several times this past year and I never get my credit report. They never send me any letters, no correspondence at all. I have a right to know what is on my consumer report and keeping it from me is against the law. And I like court, so keep playing if you want to.
Product: Payday loan, title loan, or personal loan

I have filed multiple complaints with the Consumer Financial Protection Bureau and have secured legal counsel. To date, only part of my complaint has been rectified. Big Picture Loans chooses to ignore the second part of my complaint. Should it not be addressed and remedied to my satisfaction, I will continue down the path of seeking legal action. 

Big Picture Loans is already being sued by several parties. One such suits is as follows : Plaintiffs, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX, XXXX in the United States district court for the XXXX district of Virginia XXXX Division Case involves a criminal enterprise that was established with the intent of evading state usury laws. In an apparent attempt to insulate themselves from any legal liability, Defendants established what is commonly referred to as a rent-a-tribe business model, where a payday lending scheme associates with a Native American tribe in an attempt to cloak itself in the privileges and immunities enjoyed by the tribeor to at least create the illusion that it enjoys tribal immunity. 

Under the rent-a-tribe model, Defendants made high interest loans in the name of Big Picture Loans , LLC ( Big Picture Loans ), which claim to be owned and operated by the Tribe. In reality, XXXX XXXX, XXXX XXXX, XXXX ( XXXX XXXX ), funded the loans, controlled the underwriting, and handled the day-to-day operations of the business. 

In return for the use of its name, the Tribe received 2 % of the revenue but otherwise the Tribe had no control over the income or expenses of Big Picture Loans. 

I took out an installment loan with Big Picture Loans for {$1500.00} in XX/XX/XXXX. To date, I have made 12 payments for {$290.00} totaling {$3500.00}, more than double the amount of the loan. 

I was informed ( and this is stated on my account on the company 's website ) that the interest rate was 57.35 %. I have submitted a screen shot of that information with each complaint. 57.35 % of {$1500.00} is {$860.00}. {$1500.00} plus {$860.00} equals {$2300.00} yet BPL has collected a total of {$3500.00} from me so {$1100.00} more than the amount I should have repaid. 

As of XX/XX/XXXX, BPL closed my account and marked it as paid in full. While I am satisfied my account has been marked " Paid in Full '', I would like {$1100.00} in overpayments returned to me. BPL fraudulently collected {$1100.00} in overcharged interest. 

BPL is predatory and illegal it would appear. I demand BPL immediately refund by direct deposit {$1100.00}. I have emailed BPL over a dozen times with no response. I will continue to file complaints and pursue legal action until this is corrected.
Product: Debt collection

I tried to despute it on XXXX  but they still keep insesting that I owe almost {$2000.00} AND I only owed them {$50.00} and some change and they are messing up my credit bad
Product: Mortgage

Green Tree Servicing LLCXXXX XXXX XXXX SD XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX Acct. No. XXXXMy loan was transferred ( sold? ) to Green Tree on XXXX XXXX, and since that time I have had nothing but problems with Green Tree ... the main problem is that XXXX did not apply, or did not notify Gree Tree, of my XXXX XXXX payment ... XXXX XXXX XXXX has been involved and helping me with trying to work this out, but Green Tree seems to be totally unwilling ... 

I have sent XXXX my payment records to XXXX for the past year, which shows I DID NOT MISS ONE MONTH OF PAYMENTS and also SENT ADDITIONAL FUNDS SEVERAL TIMES DURING THE YEAR ... .I am attaching this once again. 

I am upset that my loan was sold and I now have to work with this company who is totally unwilling to do anything but demand XXXX PAYMENTS. I have told all of your reps my husband passed away 3 years ago, my income was cut in half, and I have only missed XXXX payment in those three years, and that was the month after he died, when his employer wiped out my checking account. 

I am willing to hire an attorney to help protect my home ... but do not see the need to. This is truly so frustrating. Please please have someone contact me. 

Sincerely, XXXX XXXX XXXX XXXXthis is a summary of my complaint with XXXX Tree..this is the most unbelievably frustrating situation, and they are not willing to help me, only threatening my credit and home..
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To whom this may concern, I paid off and closed XXXX XXXX Credit Card with Account Number XXXX XXXX XXXX XXXX last XX/XX/XXXX ( Ref # XXXX ). All payments were made on time up to the closing of the account. It came to my attention on XX/XX/XXXX, the account was not closed and reported to all credit bureaus that I was delinquent and handed over to collections. I found that they had charged me without my knowledge annual and other fees. Additionally, they never closed my account. This dropped my credit score by over 130 points when the account had been paid off and supposedly closed as I requested in XX/XX/XXXX. I talked to XXXX XXXX XXXX  on XX/XX/XXXX and was assured the account will be closed and the {$100.00} charge reversed and reported corrected to all credit bureaus, removed/deleted from collections and cleared on my credit report. I was just told today I have to fax a letter with credit report information and an explanation. Please expedite this matter, clear this mistake and inform me immediately that the issue has been resolved, corrected and explained to credit bureaus and collection. I have included the appropriate section from my personal credit reporting company that shows the issue. Credit One`s reference number to this case is XXXX. As a result of this action by XXXX XXXX XXXX  my Credit Score dropped 130 points. Thank you, XXXX XXXX XXXX
Product: Mortgage

Principal is not being applied. Including a {$200.00} principal only payment. The loan balance continues to rise even after payments are made. Several payments were made months early, yet some of them have been " applied '' as 100 % interest.