23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XX/XX/. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these was COLLECTION accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : RXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report to find that Bank of America is reporting my account as 30 days past due one time. I do n't ever recall being past due on this account and I find it quite odd that 1 ) it has n't been updated since XX/XX/XXXX and 2 ) they fail to indicate on the report when ( what month and year ) I was allegedly " past due. '' When I wrote to them in XX/XX/XXXX, their response was that " there was no payment record error made and the delinquency that appears on the file is valid. '' I do not agree with this. They fail to indicate when ( if at all ) I was past due and refuse to remove it. I specifically request verifiable proof from Bank of America to confirm the accuracy and validity of said reporting and if they can not comply within 15 days, which is plenty of time to satisfy my request, I request that the derogatory remarks of " Past due, 30 days '' be removed from the reporting of this account from all three major credit bureaus, XXXX, XXXX and XXXX.
Product: Credit card or prepaid card

Payment of {$180.00} due to Bank of America was submitted through  a Biller Service  on Saturday  XXXX / XXXX / XXXX . Payment was not processed by Bank of America until  XXXX / XXXX / XXXX . A late fee of {$25.00} was placed even though full payment was received and made before the due date. No partial payments were made. Called company and spoke with  XXXX   XXXX  to waive {$25.00} since it was the first time this happened, given that she mentioned she was not authorized to make that decision, she transferred me to her  manager   XXXX   XXXX , who reviewed the information in he system and after he verified mentioned that he could not waive the fee.     That Thursday  XXXX / XXXX / XXXX  I looked to verify the fee and I noticed that instead of the {$25.00} I had been charged {$27.00} with interest. I called Bank of America again and throw time spoke with  XXXX  from California who did not want to provide her last name. I explained to her the situation and mentioned that I was being charged interest over the late fee and paid {$27.00} to avoid getting paid and interest. She wanted to remove the {$2.00} and did so without my authorization and I told her I would pay at that moment the full amount to avoid being charged more interest. She said I would be charged additional interest at the end of the month. How is this possible? I made the full payment and paid late fee with interest? Not understanding what clause in the contract says this. It is not clear. It seems that because of them proces sing one day late the payment I will need to catch up with them, buy then if I do n't pay they have two days to cha rge me addditonal interest? It seems Bank of America has the upper hand in this situation and I will always be at a disadvantage.     I have been a loyal customer since  XXXX  and I have never missed a payment.     Will my interest rate change? The Bank does not make this clear.   Will this affect my  credit score? Will this be reported in the Credit Bureaus? The bank says  no, but I would like an impartial party to clarify and have clarity if these charges are fair towards a customer who made the full payment on the card.     Thank you.
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my XXXX on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Consumer Loan

First Investors Financial Services have stolen our auto loan payments and have not applied very many payments towards our loan balance. We refinanced our vehicle with them in XXXX 2015. Due to the theft regarding auto loan payments our balance has not been adjusted except on rare occasions. Which proves that the payments are stolen and not applied to loan balance! This situation has caused our credit scores to be terrible as they have ruined our credit! Let alone the amount of money missing that should have been applied to auto loan balance in order for the balance to be correct! So-what is going on with our auto loan payments -- -theft!!!!! This company has a bunch of thieves working for them and I believe the company should be shut down due to this fact! We have also made duplicate payments on a couple occasions and still balance remains the same! First Investors Financial Servicing Corp-XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired a copy of my credit report and discovered the following item ( s ) to be incorrect ; also, the following are in violation of the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently changed to XXXX XXXX. Equifax shows two hard inquiries on the same day to XXXX. Obviously there was only one, but they can't seem to figure that out, I have complained but they have a bizarre security system and won't let me see the result. I have seen no change in my hard inquiry count.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX - Account # XXXX XXXX5 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

I was hospitalized from an acute XXXX and I am still under medical care and this finance company stubbornly refuse to pay my monthly bill while I am XXXX. One Main Financial is giving me a hard time and will not give support to the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. They are pointing fingers at each other while I am suffering and can not walk. One Main Financial is a gangster and criminal organization out to strong arm the consumers through devious means and should be imprisoned through their reckless and trifling conduct. The XXXX company is doing their best while One Main Financial is stealing from the consumers and they should be investigated. They make all kind of XXXX connotations while communicating to consumers at the XXXX, Georgia branch. So, I do not know if it is this particular branch or the entire company. The Consumer Financial Protection Bureau investigated OneMain Financial Group for violating the CFPA of 2010. The CFPB found that OneMain engaged in deceptive and unfair practices, including : 1 ) Misleading consumers into believing they needed to buy add-on products to get a loan. Now, I purchased the after market XXXX insurance and will not honor the contract. 
2 ) Charging and failing to refund interest and and premiums on add-on products that consumers did not agree to buy.

3 ) Charging non-refundable interest during the full-refund period for add-on products. 
4 ) Making it difficult for consumers to understand that add-on products were optional In XX/XX/XXXX, OneMain agreed to o Consent Order with CFPB to resolve the claims. They are up to their same trickery and foolery with my claim and I am a XXXX  who had an acute XXXX XX/XX/XXXX. The order requires OneMain : 1 ) Stop the unlawful activities.

2 ) Make it easier to cancel add-on products.

3 ) Include interest in refunds after canceling add-on products.

4 ) Pay at least {$10.00} million in consumer redress.

5 ) Pay a {$10.00} million civil money penalty.

6 ) Take steps to ensure future compliance.

OneMain also stated that it would implement customer-controlled touchscreens receive clear disclosures and can review documents at their own pace.
Product: Credit reporting or other personal consumer reports

I experienced fraud while traveling out of the country. This was reported to XXXX  XXXX. My credit card was closed anyway and I was not protected or helped. Its currently showing charged off on my credit. I did not received a 1099C from XXXX XXXX.
Product: Credit card or prepaid card

I started a dispute with XXXX back in XXXX. XXXX cancelled my account and took down my website domaine immediately. Now in XXXX I log in to my Capital one account to find the charge is back on my account. I spent over 5 calls and two hours with capital one uploading documents for them to tell me its past dispute time and theirs nothing they can do. I contacted XXXX and they sent me a screenshot of my account, said its been cancelled and they refunded my money. Sent that to capital one and they said it didnt matter I dont get the money back because its past the time on dispute. XXXX has not provided me a service or product any longer, said/shown they have sent back the money. Yet, capital one still says they wont remove charge. I have screenshots and documents from XXXX showing they refunded the money.
Product: Credit reporting or other personal consumer reports

Per the ( Privacy Act of 1974  ) need this account to be deleted immediately from all 3 credit bureaus ( XXXX, XXXX, XXXX ) that are reporting this to my credit! I have never given any written or any other consent for this company to report anything to my credit or for my information to be sold. ( 15 USC 1681B ) According to Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ''
Product: Debt collection

I was currently paying off a XXXX XXXX XXXX account for a little over 1000.00 I made my first payment and noticed my balance was going down however when I made a second pament I noticed that my balance was no longer going down in fact it was going up when I called and asked about why my balance was not going down the lady on the other end told me they just received an old hospital payment from XXXX XXXX   hospital and they added to my XXXX XXXX XXXX payment arrangement I thought to myself this is not right if I never would have had all my recites I wouldn't have know they tacked on an extra 300 dollars this is misrepresentation of a balance due.
Product: Credit reporting or other personal consumer reports

I've contacted the original creditor ( XXXX XXXX ) and all 3 credit bureaus XXXX, XXXX, and Experian about inaccurate information that they're continuing to report on my credit reports. 
Please Verify and Validate all data for the account, every notation, dates and balances whether reported or not. 
I've been ignored and is in violation of my consumer rights according to the FCRA. 
This account needs to be removed immediately ( Account number XXXX ) creditor is XXXX XXXX. 
All XXXX credit bureaus are reporting incorrect dates of when the account was opened, and the amount owed. 
I would like to be provided with proof of where and when the vehicle was RESOLD and the amount it was sold for. According to FRC section ( 609 ) if you have no proof of any one, I would like it removed immediately. I would like an update mailed to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act says 30 DAYS. They have 30 Fays to complete their investigation. They are lying to you by not answering that question. THEY DID NOT CONDUCT AN INVESTIGATION WITHIN 30 DAYS THEREFORE THEY ARE VIOLATING THE LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUIFAX AND XXXX  HAS INFORMATION ON MY CREDIT REPORT THATS NOT MINE.
Product: Debt collection

In 2014, several charges of {$390.00} was charged to my person. It was sent to Wakefield & Associates for collections and has impacted my credit score. I have called and told them the claims are fraudulent and that I have no intention to comply and would like the issue resolved and was told that my only way to resolve the issue was to write a letter to the compliance department. I am today writing a letter to the corporate office in hopes of them resolving the issue for me.
Product: Credit reporting or other personal consumer reports

The history of the Civil Court case is inaccurate. A complaint was filed on XX/XX/2020, for unpaid rent in XXXX. The issue was resolved on XX/XX/2020, and I continued renting from XXXX XXXX XXXX XXXX for 3 more years. There is no outstanding debt to the property management as it has been paid. I have proof of payment and continued tenancy and request for this to be rectified. 
XXXX XXXX
Product: Debt collection

Alleged original creditor sent an account to primary collection agency that failed to validate the debt, because they ca n't. It is n't mine. Original creditor sent it to this company ( Afni , Inc ) who failed to validate the debt as well. They sent me a copy of a phone bill in my name with a phone number I have never had. This is the second letter I sent them : This letter is to inform your company that you have not sufficiently validate this debt as requested. 

Previous attempts to collect this alleged account have resulted in XXXX ( the original creditor ) failing to provide proof as is required by the FCRA and FDCPA. The previous collection agency, failed to provide the following proof : The amount of the debt ; The name of the creditor to whom the debt is owed ; An explanation of how the alleged charges came to be in a way that a layperson can understand ; Proof that you are licensed to collect debts in Washington State ; Proof of the last payment made on the account A signed contract with the original creditor Afni, has failed to provide the following proof : An explanation of how the alleged charges came to be in a way that a layperson can understand ; Proof that you are licensed to collect debts in Washington State ; Proof of the last payment made on the account A signed contract with the original creditor Furthermore, the documents that were sent ( postmark XXXX/XXXX/2016 ) are a printout of a bill for an account that has NEVER belonged to me ( see document page XXXX of XXXX that you sent ). The phone number XXXX has NEVER belonged to me. Therefore, the information you have provided is not only insufficient, but inaccurate. 

For the reasons previously stated, this debt is not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


XXXX XXXX XXXX XXXXXXXX Balance : {$7800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XX/XX/1969 XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3000.00}
Product: Credit card

Totally misleading email implying that there are savings for a limited time only by using a gift card when all they are actually doing is allowing you to use your already earned points at purchase rather than redeeming later for the exact same benefit. 

This is not limited time but always available. 

The cost has not been reduced unless your awards points are reduced. 

Total bait and switch scam as most people would look at email content rather than subject line and expect a gift card to be precisely that and not something they were purchasing for a cost equal to the benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit Plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Could you please verify if FCRA 605B necessitates the removal of any incorrect accounts from my credit report? Some of the listed accounts are inaccurate, and this is causing me discomfort.
Product: Checking or savings account

My name is XXXX XXXX XXXX and this is a formal complaint about chase checking account practices. have been a loyal Chase customer for over XXXX  years. Throughout my time with Chase, I have filed a handful of disputes. Unfortunately, in every instance, Chase has immediately sided with the merchant, disregarding the evidence and documentation I provided. 

Incident XXXX : XXXX XXXX in Hawaii Recently, I encountered a significant issue with a XXXX hotel in Hawaii. The hotel charged my account over XXXX times with different amounts, causing my account to go into overdraft due to multiple reversals and recharges. This resulted in me being charged more than the agreed amount. Despite providing Chase with all the necessary documentation, including confirmation from the hotel acknowledging their errors, Chase still sided with the hotel. 
I also will attach the invoice from the hotel clearly showing they overcharged me and the amount listed should add up to XXXX $ less than what they charged. 

When I called Chase to follow up, the representative informed me that Chase does not cover hotel disputes which is false after reading the policy, it clearly states overcharge or dissatisfaction of the service of hotels is covered. I voiced my concern and the representative shockingly responded, " then walk into a branch and close your account. '' I filed a formal complaint regarding this unprofessional behavior, but I never received a response from Chase. 

Incident XXXX : XXXX  XXXX XXXX More recently, a XXXX  institute charged my account XXXX times with an amount I had not agreed to. Chase concluded that I was right and returned the amounts charged. After XXXX  months chase sent me a letter after the dispute resolution stating theyll take the amount back out because they came to change their minds. Despite providing proof of the incorrect charges, Chase still withdrew the disputed amount from my account. This is incredibly frustrating, especially after reading Chase 's policies which clearly state they should cover such disputes. It is evident that the representative lied to me, and I have no safety or protection when merchants fraudulently charge my account. 

**Overdraft Fees** Additionally, Chase has charged me hundreds of dollars in overdraft fees, sometimes charging me over XXXX times in XXXX day, which amounts to {$34.00} each time. These excessive fees have made it difficult for me to bring my account current, further exacerbating my financial situation. 

I am extremely disappointed with Chase 's dispute resolution process and the lack of professionalism and support from their representatives. It appears that Chase prioritizes merchants over their loyal customers, leaving us vulnerable to fraudulent charges. 

I seek your assistance in addressing these unfair practices and ensuring that Chase implements a fair and transparent dispute resolution process. I am also requesting that Chase reviews and addresses my disputes and the behavior of their representatives appropriately. 

Thank you for your attention to this matter.
Product: Payday loan, title loan, or personal loan

I WAS VISITING A BRANCH NEAR ME FOR A MONEY ORDER AND A BRANCH EMPLOYEE OF ACE CASH EXPRESS HAD INFORM ME THAT I HAVE AN OUTSTANDING BALANCE WITH THEM SUPPOSEDLY OVER 10 YEARS AGO!. I SERIOUSLY THOUGHT IT WAS A PRANK! .HAVE NO RECOLLECTION OF THIS TRANSACTION WITH ACE CASH EXPRESS.