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

I transferred a loan balance to my credit card to enjoy a 0.0 % promotional interest rate for the initial 12 months since it posted. However, Bank of America now charges me interest on all my new monthly purchases despite paying down the balance to {$0.00} for my monthly new purchases, plus additional funds toward the balance transfer. It's essentially a bait and switch. Now they can charge me a higher 15-18 % interest rate on my new purchases when I never had to beforehand because I always paid my balance to {$0.00} every month. 

I called twice to complain that this was an unfair business practice and not properly disclosed on the promotional mailer offer. 

The first time I called in to ask why I was being charge interest on my new monthly purchases I was hung up on. The second time I was not offered a satisfactory explanation why I was being charged interest or any type of resolution.
Product: Credit reporting or other personal consumer reports

I noticed an unfamiliar account on my credit report that isn't mine. I believe this might be due to identity theft or fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction or removal of the erroneous information about my account has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have notreceived any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I maked my payment on time One year ago, the company name is Capitol one i used my debit XXXX XXXX XXXX, and then i called capitol one and they say everything XXXX be fix, but i still waiting a year and still show in my credit report, i Need u guys erase that mistake is not my foult, is look bad on my record .... thank u i gona wait for ur respond with good news ...
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2022 and XX/XX/2022 XXXX Credit inquiries that I did not request
Product: Mortgage

I was decieved by Franklin American Mortgage company. They gave us terms that were really good on the actual principal and interest to draw us in to choose them, but were n't forthcoming and transparent about how they configured Escrow as required by the Dodd-Frank act of Tila ( 2014 ). They were quite aware of my financial situation, but ignored it. When I complained about them deceiving us, they ignored me again. Because of this, I will lose my credit and my home. 

What Franklin American claims is that Escrow is simply taxes ( $ XXXX + insurance {$640.00} ) and for me this is approximately $ XXXX. Now, suddenly as we approach the XXXX year they say we owe them another {$2300.00}. We have put {$4900.00} into Escrow and now they want to increase our payments another $ XXXX. 

This is pure deception and violates the Dodd-Frank act, for if we had known that we were not paying 5 % on our loan, but 20 % monthly ( which is what it computes to approximately ) we would never have got involved with Franklin American. They lied to us from the outset and we want this issue resolved. They are in gross violation of the Dodd-Frank act!!!
Product: Debt collection

This company responded to my last CFPB complaint advising that this debt was verified. This debt was NOT verified lawfully under the FCRA. I have yet to receive any PROOF that I signed any contract to be in agreement with them and that I owe them any money. 
They did not send me proper verification ( I ATTACHED THEIR " VERIFICATION '' ) They sent alleged account information. That is not enough. They need to send invoices bearing my signature or a contract bearing my signature to properly verify this debt under the FCRA. They have not and I am willing to pursue this matter legally as my rights are being violated. 


I reached out to Collectech Diversified on XX/XX/XXXX in regards to account XXXX. I attached the letter I sent certified. I also attached their response I received on XX/XX/XXXX which was only the name of the original creditor and alleged dates of service and amount owed. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Collectech Diversified has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Product: Money transfer, virtual currency, or money service

Issue with Chime app/the XXXX  XXXX  Date:XXXX Amount : {$90.00} I sent the amount of {$90.00} through Chime app to one of my contacts ( this is the second time making a payment for this specific person/contact number ).

The recipient claimed he didnt receive the money. I checked my emails and had emails from Chime under the name of a different person ( not even on my contact list ) I called Chime and the representative I spoke with confirmed the money was sent to the wrong person due to a system error, but although it was an internal mistake, they still didnt refund me the amount nor attempted to resend to the correct beneficiary, instead they opened a dispute claim # XXXX. 
A few days later I received a denied dispute email from Chime. 
Meanwhile I got harassed due to the fact chime failed to send my payment to the right person, Later had to resend the same amount this time using XXXX  and my {$90.00} are nowhere to be found and Chime doesnt seem to be able to explain where did my money go
Product: Payday loan, title loan, or personal loan

Scam : XXXX XXXX called me from omemainfinancial. He sold a 4 year loan at 9 %. He had my full name, address, routing number, name of bank, home address. While I'm the phone He emailed me a contract to confirm terms and confirmed I could afford payment. Asked what it was intended for, seemed reasonable ... Untill the very last thing he asked " I need you user name and password " to deposit check via mobile deposit. That's when I stopped. He said that Covid19 prevented his staff from doing deposits so they must be done via mobile deposit. I hung up. 

He had much of my info, very much. Phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, it was announced that Equifax was the victim of a massive hack due to vulnerabilities in its system. My information was among millions of SSNs, DOBs, names, and even DL numbers obtained and now likely being traded online. Moreover, it has also widely been reported that several Equifax executives sold a large portion of stock prior to the announcement, having already sat on the news for more than a month after the hack was discovered. This reeks of insider trading and maliciousness. Finally, when I went to Equifax to resolve the issue, I was not only waitlisted to receive a woefully insufficient period of credit monitoring ( 1 year ) given the circumstances, I was also informed by its Terms of Service that taking part would prohibit me in taking legal action in the future should my identity be stolen.
Product: Debt collection

The company called " The Best Service Co. '' has a representative handing my account. During each of my encounters with this collector XXXX XXXX while I attempted resolve my debt, I was verbally abused and he was very hostile towards me each time we spoke. I remained calm and professional even though he was not professional towards me. He was yelling so loud at me and was being so verbally abusive during my last encounter that my husband could hear him clearly and began recording our conversation after I asked XXXX XXXX if their was someone else that can handle my account. XXXX told me there was no one else that I could speak to. I told him that, I wanted to settle my debt and would like make payment arrangements. He then told me, " Why should I help you, after you hung up on me? '' I told him that he had called me while I was at work and I can not receive calls during this time at the hospital. XXXX continued to be rude and argumentative so, I asked to speak to his Supervisor. With reluctance he finally placed his Supervisor XXXX XXXX on the line with me. I began to tell him that his employee is disrespectful and very rude. I was immediately cut off by XXXX, he interrupted me to say, " that 's what every one says when they do n't make a deal with him. '' I responded, I called you guys to settle this debt, is everyone there this rude and are you telling me that he has the right to be rude to me and treat me any way he likes just because I have a debt with your company? He responded, " well how did he treat you ''? I told XXXX, I was trying to explain how XXXX was treating me but, then I was interrupted because you cut me off. I told XXXX that XXXX XXXX was very rude, unprofessional and on your recording it says your a XXXX, he is no were near professional. I then stated I called him, he did not call me to settle this debt and asked XXXX " Are you telling me as his Supervisor that you can not settle this debt with me? '' XXXX XXXX responded, " You know what, I trust XXXX XXXX judgment and therefor I 'm not inclined to over rule his decision on whether he wants to settle this debt or not. '' I became very upset because not only was I treated disrespectfully and verbally abused by XXXX XXXX, now his Supervisor XXXX XXXX has not even attempted to apologize for the actions of his employee. XXXX did not allow me to express my deepest concerns and issues. Instead he automatically took the side of his employee XXXX without even listening to what I had to say about my interaction with XXXX XXXX. As of now I do not know what the exact amount of money I owe to XXXX XXXX. I want to know what the loan was originally purchased for from XXXX XXXX and what additional charges I 'm being charged for by The Best Service Co. so that I can fully understand this debt. If I can not be given a complete break down of charges, this is in violation of the Fair Credit Reporting Act. I will not pay for something I have no complete knowledge of regarding debt. I have attempted to resolve this matter. I have called this company to resolve these issues and I have not had any success.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I called XXXX  to get some hard inquiries removed because I did not authorize them. They told me they dont remove inquiries. How is it fair for them to sell my information to companies to pull my credit report and review without my knowledge and when it is brought to my attention and I try to dispute it they refuse to remove it?
Product: Credit reporting or other personal consumer reports

I contacted Capital one requesting the 10-99C form because theres a Capital one account reporting as charged off, but the representative stated I didnt get a 1099C form Because they havent filed it on their taxes as of yet. Which means this is statutory and fraud. Under FCRA I can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge off while still claiming I the consumer XXXX XXXX owe this debt with a balance reporting on my credit report. U.S Code 1681n- civil liability for willful noncompliance its states ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following accounts have violated my rights. 

XXXX Bank Delaware : XXXX # : XXXX XXXX Bank XXXX XXXX # : XXXX PXXXX XXXX  : XXXX # XXXX XXXX XXXX : 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
Product: Debt collection

I sent a validation letter on XX/XX/XXXX and mailed it certified. I tracked the letter and noticed that Grant & Weber received it on XX/XX/XXXX. When I received the response from Grant & Weber, I noticed multiple inaccuracies. 

My name was not spelled correctly on the documentation. Also, the dates of service that were listed are incorrect. The dates listed are consecutive ( XX/XX/XXXX - XX/XX/XXXX ) ; yet I was NOT seen on all the days listed. My birthday is on XX/XX/XXXX and I have never spent time in a medical facility on my birthday, therefore I know the dates are incorrect.
Product: Checking or savings account

i received an email regarding an account I " opened '' with bank of america. I called them and they wanted my social security number, which i did not feel comfortable providing. I did NOT open an account with them. i received a statement in the mail today. i can not get through to speak to anyone in the fraud department now. i need this frauduently opened account in my name- with my address, email and SS # to be closed immediately.
Product: Checking or savings account

I have informed Bank of America on XX/XX/XXXX that I wish to close all accounts I hold jointly with my husband with their branch in XXXX FL ( XXXX XXXX ). Bank of America XXXX have replied on XXXX. XXXX, XXXX that the account can not be closed at this time because of pending transactions that havent been posted. 

There are no pending transactions anymore since XX/XX/XXXX as all recurring payments ( like subscriptions ) have been transferred to another bank. Therefore, there is no motive not to terminate the account. 

Bank of America continues to debit charges and have now requested a transfer of {$7200.00} to balance the account. 

I would appreciate if CFPB could help resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. XXXX 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$3400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602 A states I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

These people are liars.  I have NEVER been late on a payment to XXXX it was an automatic debit that came out of my account monthly.  They tried to debit my account for the payment, I stopped payment because I did not know who they were.  They then call me in XX/XX/XXXX telling me that I owed this debt and I told them I had no clue who they were and that I did not owe them anything. He stated that they had bought my account and I told them I moved and gave them my new mailing address and email.  I told them to email me and I would be more than happy to make payment once the debt had been proven.  No email and then they began to bullet call me, I have all of the phone bills to prove it.  One day out of the blue I get a bill and I mail the payment after bill was received.  They even told me that they would remove the $XXXX fee because of all this once I sent in from my bank the stop payment.  All lies and now I receive a temporary bill what is that for temporary?  These people are crooks and I will not go away and I because they are practicing fraudulent and collection billing practices.  This payment was never late with XXXX and all of a sudden these crooks take over and my account is delinquent.
Product: Debt collection

Alpha Recovery Corp is attempting to collect an erroneous debt on behalf of XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX  as the original creditor for the account ending in XXXX and the balance amount owed of {$1600.00}. 

I previously disputed that XXXX XXXX XXXX, XXXX was not my creditor and that no debt was owed to XXXX XXXX XXXX, XXXX. Additionally, XXXX XXXX XXXX, XXXX was removed from my credit reports. Alpha Recovery Corp 's attempt to collect this debt is in direct violation of FDCPA. 

I dispute the entire balance pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ). Pursuant to FDCPA Section 809. Validation of debts ( 15 USC 1692g ) requires validation of debt before reporting information on my credit file. 

I hereby further dispute the account ending in XXXX with XXXX  XXXX XXXX XXXX  and the balance amount owed of {$1600.00}. Wherefore, XXXX XXXX XXXX, XXXX is not my creditor and no debt is owed to XXXX XXXX XXXX, XXXX. I had no prior lender relationship for the account ending in XXXX with XXXX  XXXX XXXX XXXX
Product: Debt collection

Cbna/Sears I have never had an account with them note have I ever shopped in/from Sears in-store or via internet this has to be a mistake
Product: Credit reporting, credit repair services, or other personal consumer reports

7 inquiries that i did not authorized i do not authorized them i have tried my best to dispute this and im getting tired.
Product: Credit reporting or other personal consumer reports

I am facing an issue with accessing and maintaining accurate information across all three major credit bureaus ( XXXX, Equifax, and XXXX ). 
XXXX Issue : I am unable to access my credit report because XXXX claims they can not locate my information. 
Concern for Equifax and XXXX : I am concerned that my credit information is not consistent across these bureaus, which could lead to future issues in accessing my credit reports. 
These errors are in violation of my rights under the Fair Credit Reporting Act ( FCRA ) : Section 609 ( 15 U.S.C. 1681g ) : My right to access my credit report.

Section 623 ( 15 U.S.C. 1681s-2 ) : The responsibility of furnishers to maintain accurate information. 
I request the CFPBs in : 1. Ensuring my credit information is synchronized, accurate, and complete across XXXX, Equifax, and XXXX. 
2. Resolving XXXX error and restoring my ability to access my report. 
XXXX. Guaranteeing that I can access accurate credit reports from all three bureaus without issues in the future. 
I am providing full documentation ( proof of identity and address ) to help resolve this matter. 
I would like to mention that my information according to my id is : First name : XXXX XXXX XXXX XXXX : XXXX Last name : XXXX XXXX XXXX XXXX XXXX XXXX City : XXXX XXXX XXXX New York XXXX XXXX
Product: Debt collection

The company has not provided ANY proof of debt and are harassing me threatening to hurt my credit, etc. 

They have not sent me original statements and I have sent them the letter that shows this has been paid by charity at the hospital. 

All I have is what i had before a list of numbers which mean nothing to me. 

They did adjust the amount but are still attempting to collect fraudulently. 

tHE LETTER FROM THE CHARITY HAS ALREADY BEEN SENT.
Product: Money transfer, virtual currency, or money service

XX/XX/year>. {$4000.00} was the amount taken from my account that cash app denied helping me stop this payment and denied my claim. I did as they instructed and the persons acc in which my .money went blocked my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 items of information, other than records of convictions of crime which antedates the report by more than 7 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 if the person knows or have reasonable cause to believe the information is inaccurate.