23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In late XXXX XXXX, purchased laptop for approximately {$2400.00} using Best Buy Credit Card under deferred interest promotion. Made regular payments during promotional period. After promotional period ended, a large deferred interest charge at 30.99 % APR was applied to the account. 

Payment history demonstrates consistent effort to maintain account : - Total payments made : {$1200.00} ( including {$280.00} in XX/XX/XXXX ) - Interest charges accumulated : {$740.00} in XXXX - Late fees assessed : {$320.00} ( 8 fees at {$41.00} each ) - Despite paying {$1200.00}, current balance remains approximately {$2600.00} Recent account timeline : - XX/XX/XXXX : Made payment of {$82.00} - XX/XX/XXXXXXXX  : Payment reversed without clear explanation - Account subsequently closed despite payment history Key concerns : 1. Unable to access complete statement history online - only XXXX statements visible 2. No clear explanation provided for : - Exact deferred interest calculation - How payments were applied during promotional period - Recent payment reversal - Account closure decision 3. Charges and fees creating cycle where payments primarily go to fees/interest : - 89.4 % of payments ( {$1000.00} of {$1200.00} ) went to fees/interest - Only {$120.00} applied to principal 4. Monthly interest charges consistently high ( $ XXXX per month ) despite regular payments Request review of : - Original promotional terms and disclosures - Payment application methodology - Interest calculation accuracy - Account closure justification - Late fee assessment
Product: Credit reporting or other personal consumer reports

Under the provisions of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX compliance guidelines, I am entitled to an accurate and complete representation of all information in my credit report. In accordance with these consumer protection laws, I respectfully request that you correct this error by removing the inaccurate information from my credit report. Once the corrections have been made, please provide me with an updated copy of my credit report reflecting these changes. 
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, credit repair services, or other personal consumer reports

XXXX XXXX Tuesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Notice of Dispute Regarding Inaccurate Information on Consumer Reports Dear Sir/Madam, I am writing to dispute certain information contained in my consumer reports, as furnished by XXXX XXXX XXXX XXXX XXXX TransUnion LLC , and XXXX. I believe that the information on my reports is inaccurate and is negatively impacting my creditworthiness. This letter serves as a formal notice of dispute and a request for investigation and correction under the Fair Credit Reporting Act ( FCRA ). 
I have enclosed copies of my consumer reports from each of the aforementioned credit reporting agencies for your reference. The inaccuracies I wish to dispute are attached addressing each CRA I hereby request that XXXX, TransUnion, and XXXX conduct a thorough investigation into the disputed information. As per the FCRA, I expect a reasonable investigation to be carried out, with a response provided to me within 30 days of receipt of this letter. I kindly request that all three credit reporting agencies work together to ensure the accuracy of my consumer reports. 
Additionally, I request that XXXX, TransUnion, and XXXX provide me with written notifications of the investigation results and any corrections made to my consumer reports. If any changes are made, I further request that updated and accurate consumer reports be furnished to me without delay. 
In accordance with my rights under the FCRA, I also request that XXXX, TransUnion, and XXXX provide me with free copies of my consumer reports within 15 days of the completion of the investigation, if changes are made. 
Furthermore, I request that all three credit reporting agencies implement reasonable procedures to prevent the re-reporting of the disputed information in the future. 
Please note that this dispute pertains solely to the inaccurate information described above. I am not disputing any other information contained in my consumer reports at this time. 
I appreciate your attention to this matter and your adherence to the provisions of the FCRA. Please provide me with written confirmation of receipt of this notice within 10 days of receipt. I trust that XXXX, TransUnion, and XXXX will handle this dispute and investigation with the utmost professionalism and resolve it in a timely manner. 
Thank you for your prompt assistance in resolving this dispute. 
Yours sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account but was paid on time. Consumer reporting agencies need to report all information accurately. This account has not been late on payments. I have attached a copy of my report to this complaint on the following dates : XX/XX/2023 and XX/XX/2023. I am requesting you investigate and provide verification proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to be paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting

In XXXX, I sent a letter to Experian asking them to investigate mistakes on my credit report They are supposed to respond in XXXX days, but I have received no response from them. I have sent follow-up letters asking for my investigation results, but still have received not response from this agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I paid off my mortgage with XXXX XXXX XXXX XXXX. In the previous month, a car lease to XXXX XXXX was satisfied and closed. The lenders reported these account paid off and closed. My credit score has been decimated as a result. My score has been consistently in the 780-805 range for over 2 years. It is now XXXX because I retired debt. I have been diligent not to over utilize my credit, paid all my bills on time and have long standing accounts, one 32 years old. I have spoken to XXXX reps twice and XXXX 3 times. None of these people can offer any explanation other than I paid off debt. There are no human eyes on this calculation, only algorithms. How can these practices be acceptable or legal. I am retired and have worked all my life to maintain good credit and because I retired debt now I am being penalized. It is totally counterintuitive Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013. 

2. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX   TransUnion, and XXXX with no successful resolution. XXXX XXXX, and TransUnion reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.
Product: Money transfer, virtual currency, or money service

On multiple occasions in the past, I have made XXXX transactions to incorrect numbers and the money just disappeared. did not go to the person meant for and chase could not do anything about it. unfortunately, I do not have full amounts of these losses.
Product: Debt collection

Per XXXX XXXX  and the records.. The XXXX account did bot contain any of my personal information except the Social Security number was off by one digit which allowed my social security number to be on the account. XXXX has corrected the Social Security number on the account and the account should be removed from my credit within 30 days. But the collection agency is refusing to deleted from my credit even thout I provided a letter from XXXX XXXX  stating that this is not my account. XXXX XXXX keep reporting it the XXXX and all of the credit bureaus. I tried to explained to them that this is not my account they confirmed that they have the letter I submitted to them on XX/XX/2018 from XXXX clearing my name and social security but, they are mean and rude and won't deleted from my credit. I'm in the process of buying a house and this is affecting me big time. XXXX XXXX XXXX last reported it to my credit on XX/XX/2018 after knowing that is not my account.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) # XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) # XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

XX/XX/XXXX - XXXX opened an American Express Business card. At the time i was advised I would receive XXXX miles when I spend XXXX as long it was within the first XXXX XXXX. I was also advised I could access all American Express lounges at the airport. 

XX/XX/XXXX - I called to ask why I had only received a small portion of my XXXX  miles. The agent advised it can take up to XXXX XXXX XXXX XXXX to receive them all. I let her know that was not what I was advised a the time of enrollment. 

XX/XX/XXXX - XXXX tried to enter the XXXX American Express lounge at the XXXX airport with my clients there were traveling with me, as advised I could at the time of enrollment. The staff member let me know she can not let me in, I can only enter the XXXX XXXX  lounge on the other side of the airport. I spent over an hour with an agent on the phone that could not resolve this situation. I asked to speak with a supervisor. The supervisor advised her only recourse was to open an investigation that could take a few weeks. 

XX/XX/XXXX - I called to find out about my miles and the result to the lounge entry issue. The agent advised the investigation is open and there is nothing she can do for me. She transferred me to a supervisor who stated she can open an investigation for the mIles, because she sees that the code on my account states on XXXX miles not XXXX. As for the already open investigation, she advised the prior person was wrong that it can take up to XXXX as allotted by the CFPB regulation. 

XX/XX/XXXX - XXXX received a call letting me know they fixed the issue with the miles and all miles had been added. They also advised the other investigation was still open. 

XX/XX/XXXX - I called to inquire to the investigation as it had now been open for XXXX XXXX. Once against the agent couldnt do anything. I asked to speak to a supervisor again. This time the supervision advised the prior advisor was also wrong as well. The investigation can take between XXXXXXXX XXXX 

I can not get a consistent response or a resolution. They continue to extend their turn around time advising the last person was wrong.
Product: Credit card

I was not given loan opportunities by Wells Fargo, who claimed because of my age, I did not have enough credit history for any loans. I was met with illegal, fraudulent and disordered customer service agents whose intent were only to make me suffer their crimes of abuse. They won't even give consolidation loans for little or no interest, meaning their intent was only to defraud and attempt to enslave. They are total frauds. As a CHRISTIAN I believe all forms of usury are illegal and so they are illegal, even if in other ways expressed legal by the unwitting party.
Product: Mortgage

They sent an application and I tried filling out, lost papers, then asked for more, none were sent.
Product: Credit card

I noticed a fraudulent charge on my credit card from XXXX XXXX XXXX XXXX XXXX for {$5000.00} on XX/XX/XXXX. I immediately contacted Bank of America to report this fraud and cancelled the credit card to ensure there was no more fraudulent charges. I also contacted the XXXX XXXX Sheriff Department and filed a report. 

Bank of America denied this claim for {$5000.00} and then tried to charge me interest for the amount. I reopened the claim again and they denied it without any explanation, I asked for all the documentation to show why they denied it. They responded and said I am not allowed to see the information as it is internal only. 

At this point I asked for a supervisor and had to provide all the information again to them. They reopened the case in XXXX and I haven't got a update since. 

Now being XX/XX/XXXX ( almost 8 months after the fraud ) I called Bank of America for an update : XXXX : Called the same number I have been calling and spoke with a representative. They notified me that I had the wrong department and transferred me. Once getting on the phone with that department they transferred me again. Now talking to the 3rd person they hung up on me. 

XXXX : Called the " new number '' I was provided for the fraud department after 2 minutes of explaining that I needed information on the claim they hunt up on me. 

XXXX : Called the number again and spoke to 4 different people in 4 different departments. After over an hour of trying to get information they hung up on me again without providing any information. 

XXXX : Called the number again and immediately asked for a supervisor. After explaining what was going on he hung up on me without providing any information. 

XXXX : Called the number again and the representative told me I had the wrong department ( been the same phone number everytime I called. Transferred to a different department and immediately asked for a supervisor. I was on hold for 33 minutes and they advised me they couldn't connect me to a supervisor and hung up on me. 

I am at a complete loss and not sure what to do at this point.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S. C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 ' business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX or XXXX XXXX or whichever date because this account shows different dates conflicting on any truth to understand the exact date under the account number ( XXXX ), another personal credit card account opened at XXXX XXXX  on XX/XX/XXXX or XXXX XXXX or whichever date because the data furnished for this fraud account has different information being publicly furnished under the account number ( XXXX ) and furthermore examined another XXXX XXXX account opened at XXXX XXXX on XX/XX/XXXX or XXXX XX/XX/XXXX or whichever date as multiple dates are XXXX publicly furnished under multiple agencies under the account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've have not attached a list of the hand inquiries in questions a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. this has been Reported with the XXXX XXXX XXXX XXXX Police station in the United States Of America California XXXX
Product: Debt collection

Received a letter from XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, RI XXXX ) regarding payment due on a LOC secured by my home. In the letter they said they would " settle your account with one payment in the amount of {$1100.00} which is equal to 80 % of your outstanding balance. Upon receipt of your payment, your account will be considered settled-in-full and will notify the credit bureaus accordingly. '' Letter is date XX/XX/XXXX. I wrote a check and mailed it on XX/XX/XXXX, check # XXXX in the amount of XXXX on the FOR line I wrote " balance on XXXX XXXX ( which is the home the LOC was taken against ). On my cancelled check XXXX stamped it " received XX/XX/XXXX ''. On XX/XX/XXXX the check cleared my bank account. The amount that was suppose to be forgiven was {$280.00}. And I had been faithfully making payments. 

I subsequently received a collections letter from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PA XXXX. My daughter, XXXX XXXX XXXX, who has full POA, wrote them a response, attaching all the above mentioned documentation and mailed it XX/XX/XXXX. They never responded. 

Today, XX/XX/XXXX a letter arrived in the mail from Convergent ( Convergent Outsourcing Inc, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WA XXXX- for mailing the address is XXXX XXXX XXXX, XXXX, PA XXXX ) demanding payment for the {$280.00} - the amount the bank indicated they would forgive if I paid the {$1100.00}. My daughter XXXX will respond to this letter as well - as I am XXXX XXXX XXXX, she now handles all of my finances. 

I find this repeated contact to be harassing and a form of elder abuse. I faithfully paid the bank in accordance with their written instructions. Neither myself nor my daughter should be having to continually respond to these letters, not to mention the costs involved with writing and mailing these letters certified, return receipt. I am very fortunate to have a daughter who is a XXXX  and can read and understand these documents and knows that they are false claims. Most people in my situation would think this was a legitimate claim and just pay it- thus being " swindled '' out of money that actually is not owed. It is rather unconscionable behavior- which is why I am taking the time to report these institutions - I know they will receive the letter from my daughter it will be dropped - until the bank turns it over to the next collection agency. Any help you can give to stop this situation would be greatly appreciated- not to mention stopping this practice being done to other elder people. 

Thank you for your time and attention to this matter.
Product: Checking or savings account

Missing bank statements ( XXXX ) - Huntington closed my accounts without cause and removed my access to my online banking.

- I need all of my bank statements for all accounts- Huntington refuses to provide my bank statements - Resolve by providing all statements for all accounts : - emailed to me in .pdf format - broken down by account, then by year
Product: Credit reporting or other personal consumer reports

On all three credit reports states a company called Kikoff Lending , LLC ; XXXXXXXX reports that Kikoff Lending LLC is : acct : XXXX open date : XXXX XXXX, XXXX Acct Type : Credit Card Past due : {$25.00} as of XX/XX/XXXX highest balance : {$65.00} monthly payment : {$5.00} last payment date : XX/XX/XXXX Company address : XXXX XXXX, XXXX XXXX XXXX, XXXX, NV XXXX ( XXXX ) XXXX XXXX reports that Kikoff Lending LLC is : acct : XXXX open date : XXXX XXXX, XXXX Acct Type : Revolving Past due : {$0.00} as of XX/XX/XXXX highest balance : {$65.00} monthly payment : {$5.00} last payment date : XX/XX/XXXX Company address : XXXX XXXX, XXXX XXXX XXXX, XXXX, NV XXXX ( XXXX ) XXXX XXXX reports that Kikoff Lending LLC is : acct : XXXX open date : XXXX XXXX, XXXX Acct Type : Revolving Past due : {$20.00} since XX/XX/XXXX highest balance : {$65.00} monthly payment : {$5.00} last payment date : no information stated Company address : XXXX XXXX, CA XXXX