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

I have 3 cards with Capital One ( Walmart, and 2 other Capital One Cards ). Each month when I pay on my accounts I suddenly am over the limit when I didn't even use my cards. For instance, the card payment for Walmart {$120.00}, they take all of that each month in interest and sometimes saying I am over the limit when I didn't even use my card. These suddenly increased interest rates should be unlawful and Capital One needs to pay me back and/or decrease these fees as this is ridiculous. Like stated, these rates happened suddenly. I am paying all three cards and having no balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent my first Debt Validation Dispute letter to the credit bureaus, then I followed up and sent a 2nd letter on XX/XX/XXXX because I have yet to receive a response from my debt validation request with my signature proving that I owe this debt. Therefore, I want it removed permanently from all 3 credit bureau reporting agencies. The amount that they claim " I owe '' is {$650.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello-On XXXX XXXX-I disputed inaccuracies pertaining to my credit report-and requested they be removed-I also have written certified letters to all 3 bureaus and to XXXX XXXX ; to no avail nothing has been removed or resolved. 
I received a response on XX/XX/XXXX XXXXstating they found no fraud, and that the investigation was finished. 
To this dayXXXX XXXX has not shown me proof that any investigation findings were ever done. 

I have repeatedly asked both parties to kindly remove these inaccurate accounts and dates off of my credit for it is severely lowering my score and I am unable to obtain proper credit at the highest level. I have also asked for the original contract signed, They have provided me with no proof as of yet.
Product: Debt collection

Got two calls from XXXX XXXX  XXXX. I then got a notification from my credit report saying they placed a collection on my report. I never got a letter of dispute which is against fair debt collection practices. 
I then called XXXX XXXX XXXX and they state that I do not and have not had a balance of XXXX with them for the date of XX/XX/2015. I also checked with any other physician I saw and I do not have a bill for XXXX with the er at XXXX XXXX. They confirmed this. 
This company I called back and they said they were collecting for cascade Capitol LLC. 

There is no bill due for XXXX all of my bills with XXXX XXXX as of this date have been paid in full. This is a fraudulent bill collection attempt
Product: Credit card or prepaid card

XX/XX/2016 : travelled and lost wallet. called Bank of America to put a hold on the card. card was stolen and used, in spite of the hold. Bank of America did not remove the fraudulent charges from the card and sent it to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$3800.00} ; XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$95.00}.
Product: Credit card or prepaid card

On XX/XX/XXXXXXXX  we received email ( attached ) showing a supposed charge and asking if it was legit. Saying to call the number on email if it was not. My wife called that number and man promised a removal of charges supposedly made on her XXXX account. Instead of removing said charges, instead new charges were made through XXXX onto her Capitol one card. 
There was no success in any attempt at resolving these charges as we all we had was an email ( attached ) which was fraudulent. 
On XX/XX/XXXX/XXXX  this activity with these charges was first reported to Capitol one. My wife then closed her current Savor card and requested a new one. 
In the meantime, in addition to filing now this dispute with you we have taken additional steps. 
On XX/XX/XXXX we filed a consumer report to the Federal Trade Commission. 
Additionally on XX/XX/XXXX we filed a police report over these charges.. 

Capitol one did not even initially inform us that these charges came through XXXX. It was not until XX/XX/XXXX that we learned this. So we then contacted XXXX. 
XXXX Dispute # is XXXX XXXX said they sent us emails but we have no record of such. 

XXXX now says that since we did not contact them first that these claims are now solely up to capitol one to reverse or not. 
NO product or service ever rendered in all these cases yet we were charged multiple times. 

Thank you for considering my case. I hope you can help. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries made by these companies were for no legitimate business purpose, there was no evidence to prove of the authorization. please delete this misleading information  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

I NOTICED IN MY CREDIT REPORT ACCOUNTS IN TRANSUNION THAT ARE INACCURATE AND I TREID TO REACH OUT TO THE TWO THE CREDIT BUREAS IF THEY CAN INVISTAGATE AND RESPOND TO BE WITHIN IN 30 DAYS. THEY HAVE NOT RESPONDED SINCE MY FIRST LETTER THAT I SENT CERTIFIED. ON XX/XX/XXXX. 

HERE ARE THE TRACKING NUMBERS. AND THEY WERE RECEIVED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

On XX/XX/2016, I received a phone call from someone claiming to be calling from Wells Fargo 's fraud department. After being unable to identify me by phone, the associate told me to immediately go to the nearest Wells Fargo branch. Unfortunately for me, the closest branch was the XXXX on XXXX in XXXX, California. 

After waiting in line for over XXXX minutes, when I finally spoke with a teller, I was told that I needed to speak with a personal banker, and to have a seat. After waiting for another XXXX minutes, I was approached by XXXX. 

XXXX was almost immediately hostile and aggressive. She never asked how I was doing and began in on a XXXX line of questioning : did I have an account with Wells Fargo, why was I here, who said I should come into that branch, did the fraud department tell me why I needed to come in? The last question is seemingly the most absurd as the fraud person I spoke with on the phone earlier would not tell me why I needed to come to a branch, and now the banker at the branch was asking me why the fraud department had asked me to come to the branch. 

After answering all her questions, XXXX was unable to figure out the reason why I was asked to immediately go to the nearest branch. Eventually, the service XXXX at the branch ( XXXX ) was brought in to figure out what was going. 

By that point, I was realizing why people really hate banks, and why this particular Wells Fargo branch is known as the " white '' Wells Fargo. 

After about an hour, I decided that Wells Fargo was not an institution I 'd like to continue to bank with. I then asked XXXX to close my account. As I was waiting for XXXX to close my account, XXXX of the branch employees accused me of recording, and then had the security guard escort me out of the branch. Ridiculous. 

I 'm unsure what state this is account is in as I was asked to leave the branch before being given my funds.
Product: Credit reporting or other personal consumer reports

My account with that company 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 my 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 in ( MONTHS REPORTING LATE ) 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.

The company 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

This company did not provide me with the original application or contract bearing my signature like I asked. This company are violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company have also, no permission to report ANYTHING using my info pursuant to 15 USC 1681 4. Therefore, this company is unlawfully reporting this debt under my name to the credit reporting agencies, and must be removed. I am on active military duty status. I have rights under 15 U.S.C 1681, and SCRA. Equifax is govern by 15 U.S.C 1681. They have violated my rights numerous of times. I demand the accounts listed below be remove because according to 15 U.S.C 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Subject : Formal Complaint Regarding Misinformation by XXXX XXXX, Bank of America This report outlines a case of misinformation provided by XXXX XXXX, the Relationship XXXX at the Bank of America XXXX located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX : On XX/XX/XXXX, I visited the branch to open both a checking account and a credit card. My primary motivation for opening the credit card was to obtain the {$XXXX} reward advertised as a promotion. The terms stated that customers would receive this reward upon spending {$XXXX} within XXXX  days ( see link at the end for reference ). However, during my interaction with XXXX XXXX, critical misinformation occurred. 

XXXX XXXX and XXXX : Before visiting the branch, I researched Bank of America 's credit card options. I understood that individuals with no XXXX XXXX might not qualify for unsecured credit cards and that building credit often involves starting with a secured credit card. I had decided I would proceed with a secured credit card only if the {$XXXX} reward was still applicable. 

When I asked XXXX to confirm whether I would qualify for the {$XXXX} bonus reward with a secured credit card, he explicitly assured me that the reward applied to secured credit cards as well. Based on this assurance, I deposited some amount money as collateral and opened the secured credit card. 

XXXX and XXXX of XXXX : Approximately XXXX month later, during a visit to the branch to open a checking account for my wife, I asked XXXX why XXXX XXXX received the bonus, despite having spent {$XXXX}. He replied that the reward would be credited by the end of the month. 

In early XXXX, I learned from a friend that they had received their {$XXXX} bonus immediately after meeting the spending requirement. XXXX, I contacted Bank of America customer service, who informed me that secured credit cards are not eligible for the {$XXXX} bonus reward. On XX/XX/XXXX, I called XXXX to clarify, and he confirmed his error after consulting with his team. 

Escalation and Request for XXXX : I discussed this issue with the branch XXXX, who maintained that the bonus could not be granted due to the card type. However, this situation is entirely the result of misinformation provided by the banker side. 

Had I been correctly informed, I would not have opened the secured credit card. 



link of {$XXXX} cash reward XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX is showing inquiries on my report that are not minds and i did apply with those companys i talked to them about removeing them they keep saying they have to investigate it and its hurting my credit score i need the inquiries removed asap. 

thanks please help me with getting this ressovled inquirys are : 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 TRANSUNION XXXX NEEDS TO BE REMOVED THESE NEED TO BE REMOVED ASAP : XXXX XXXX XXXX XXXX DATES XXXX XXXX XXXX XXXXXXXX REPORTED DATES XXXX XXXX XXXX XXXX REPORTED DATE
Product: Credit reporting or other personal consumer reports

XXXX XXXX has stated again that the information on my account # XXXX is correct but they are wrong because I have sent them proof of payment of my Insurance along with the Declaration Pages. Both XXXX and XXXX XXXX mortgage have fraudulently tried to take more money from me on an Investment property through XXXX that is more than XXXX times the price of the insurance that I pay for the property. I want XXXX XXXX  to erase the Escrow immediately before I am forced to file a lawsuit against the company including criminal charges of fraud. As you can see from the paperwork including my refinancing of the property in 2020, that the insurance was paid every year
Product: Credit card or prepaid card

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 XXXXXX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I had to dispute a delinquent account on my credit report with transunion in  XXXX   of 2016.  I got that charge taken off but somehow they managed to  XXXX   XXXX  my social security number in the process. I called and spoke t o 4 D ifferent people, none of which could speak good English, you could barely understand them, and they would not fix the social security number ( which they messed up from the original, which was correct ) unless I faxed them my social security card. I did not trust it, and they would n't give me any other options, they were just rude when I said that I did n't feel comfortable. Since then I have new accounts open, I have no access to my credit report,  the one time I was able to see it, nothing had changed on it since 2016 when the charge from the hospital was taken  off, and it should have definitely went up since then. I am unable to get any loans, at least through my bank because my social security number does not match up with what transunion is reporting, my background check for jobs takes longer and I have even been told that they were n't able to find me under my real social security number. I have tried multiple times to get this fixed, but I 'm at a loss for what to do. I am not sending my social security card to some third party call center that is n't even in this country, it does n't seem secure. This was their mistake because my social was reporting right until they took the charge off my credit report and messed up the last numbers in my ssn.   If we could get this fixed that would be wonderful, and less   XXXX   on me.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and disappointment with the ongoing issue regarding the removal of fraudulent items from my record, despite my XXXX attempt to rectify the situation. Despite providing exhaustive evidence and diligently following the prescribed procedures, it is deeply disheartening that the problem persists without any resolution. 

I implore you to prioritize this matter with the utmost urgency and take immediate, decisive action to remove the fraudulent items from my record. Furthermore, I expect to be kept fully informed of the steps being taken to address this issue and seek appropriate compensation for the significant damages and losses I have incurred due to this egregious error. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXXXXXX Balance Owed : {XXXX XXXX XXXXXXXX XXXX Balance Owed : XXXX XXXXXXXX XXXX XXXX Balance Owed : XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : XXXX XXXXXXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

Every month I have disputed to Experian, that XXXX XXXX  has been notified of Police Report from XXXX NY, XXXX XXXX THAT unauthorized use was determined!!! 
I'm the victim here!!!! 
XXXX and XXXX has deleted XXXX XXXX  from their credit reporting agency and experian has done nothing!!!
Product: Debt collection

I do not have any outstanding balance with XXXX. I switched to XXXX before my policy renewal date. They came back after I switched and tried to say I owe more money. I requested original contract with my signature, payment history and proof of debt assignment from debt collector and no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute is against Synchrony Bank/Amazon. On XXXX XXXX XXXX, my account was charged {$12.00} by Amazon Digital XXXX, Wa. XXXX, reference no. XXXX, Which I never make that purchase. You can check my Amazon purchase history. I found the charge on my account and called in on XXXX XXXX to Amazon store card Synchrony Bank to dispute. But instead of dispute the charge they add another fee of {$13.00} to my account. So on XX/XX/XXXX, they just simply closed my account. I was told by them that I can't dispute nor make payments cause the account was closed, and told me not to worry it'll not affect my credit. I recently ordered my credit report and found out that I have a serious negative charge with Synchrony Bank/Amazon about this incident. And Synchrony Bank has been reporting this incident since beginning and until now. I was very angry at Synchrony Bank, they abused my account. The last phone call I made on XXXX XXXX XXXX, I spoke to the bank manager named XXXX XXXX, and he apologized to me, saying he'll refer this case to their credit dispute department. At this point, I refuse any excuses. I need the bank action on correcting my account, and write the letters to three Credit Bureaus to take off this wrong record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in dispute for non compliance back on XX/XX/2023 and I know a reinvestigation nor method of verification was ever completed.This was not sent in error, not a material misrepresentation, and If you feel you have not violated my rights please have a senior executive from your company certify under the penalty of perjury.