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

I have been paying off my statement balances in full. On XX/XX/XXXX, I had a statement balance of {$190.00}. I had some reward points for {$13.00} and made a payment of {$180.00}. I miscalculated and was short {$3.00} for paying the balance off. I didn't think it was a big deal, since my statement literally reads ... '' we will charge you interest on the unpaid balance ''. I thought no big deal, how much interest is there going to be for {$3.00}. 

The next month Payment due on XX/XX/XXXX I got my statement and I was charged {$6.00} interest. When I looked at the bottom of my statement as to how that was calculated, they charging me interest not on the unpaid balance but on {$330.00}. This is not correct. The unpaid balance from the previous month is {$3.00}. I called to complain, and the customer service rep and their manager started making things up that do not fit what is written on my statement, as to how the interest is calculated. I paid my XXXX statement in FULL, including the incorrect interest amount. The next statement that I received for XXXX was even worse. This one has an interest amount of {$12.00}. This was calculated on an amount of {$640.00}. I called again to complain, and the rep and their manager were trying to tell me interest is calculated on how much I charge on the account. THIS IS INCORRECT. I paid all of my balance is full each month ... with the exception of the month of XXXX I was short {$3.00}. They have literally charged me almost {$20.00} in interest for being short {$3.00}. There is something wrong with this
Product: Mortgage

On XX/XX/XXXX I emailed PHH asking why I received a delinquency notice. 
On XXXX they advised {$460.00} was paid in XXXX of XXXX. 
On XX/XX/XXXX I sent them a photo via email showing that {$5300.00} was due and the amount they paid was not sufficient. 
On XX/XX/XXXX they advised the bill is a supplement tax and is my responsibility. 
I have not added any square footage to the house or a pool so I do not see how that is the case. Each week they keep saying they need more time to resolve. 
Now I am getting penalty fees from the county. Two months and nothing has been resolved.
Product: Vehicle loan or lease

DEALER FUNDING is the holder of the lien on the vehicle. On  XX/XX/XXXX  a postal money order was submitted as payment to the company which was deposited on  XX/XX/XXXX . The terms of the payment pursued a renegotiation of the contract which would make that payment handling full satisfaction of the claim. After lien holder deposited the money order, a letter was sent to Dealer Funding explaining the conditions of the renegotiation and their timeline in which to do so. After no response from lien holder, a second payment was made with a second letter still with no response. A third payment was sent but returned then resent again and then credited to the account. The company tried to reach out over the phone to renegotiate but was told to respond through the mail. On Tuesda y,   XX/XX/XXXX , the vehicle, the white   XXXX   XXXX   XXXX   XXXX   and sensitive materials belonging to the claimant were taken from the domicile while everyone slept by   XXXX   XXXX   XXXX  ,   XXXX   XXXX  . The company utilized   XXXX   XXXX   to locate the van The terms of the renegotiated contract were violated and now sensitive materials of utmost importance are within the van in the possession of a third party. Company was instructed not to contact by phone but insisted on calling.
Product: Debt collection

i completed the same process with your company but did not receive any informations from XXXX the debt was reporting to the credit bureau on XX/XX/2019 for the amount of $ {$1700.00} from XXXX XXXX, collection office is Enhanced Recovery company XXXX XXXX XXXX FL XXXX Phone XXXX I have been with XXXX XXXX for the past 10-15 years, i never open any account with XXXX or any other phone company. i am not sure want else i should do please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report inaccurate information to a name that sounds and looks similar to my own, my name is not the person on their credit profile. My name is XXXX XXXX, not the all capital letters name XXXX XXXX, I've submitted my National I.D . as proof, however the debt collectors & agencies refuse to correct their information, which I believe is against the law, my character has been defamed by these agencies and we will seek legal counsel for their dishonest acts. Under H.J.R. 192 the U.S. government is bankrupt, Federal Reserve Notes is a debt instrument, how can one pay a debt with a debt instrument? It's impossible, this is proof these agencies are committing fraud against the people, I do hope this is the proper platform to address these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the record reflecting a chapter XXXX bankruptcy that is over 5 years old last month with XXXX   and Transunion ( Docket # XXXX ) however Trans union states that according to federal law they can report Voluntary Dismissed Bankruptcys. My case was not a voluntary dismissal, the Court that deemed my bankruptcy " ineligible '' due to me not having enough debt and my purpose for the bankruptcy was to deal with fraud and identity theft issues that I was a victim of. I was young and did not know any better so the courts signed an order to dismiss the case because they deemed me ineligible for the chapter XXXX. Therefore according to Transunion previous statement in response to my previous dispute, " it is TransUnions policy to report discharged or voluntarily dismissed bankruptcies, regardless of the chapter filed, are reported for seven years from the date the bankruptcy was filed. '' My case was not a voluntary dismissal. Please see attached court order. 
Please remove this from my record it has caused me to be held back long enough and I did not know to even fight for myself. 
Thank You!
Product: Credit reporting or other personal consumer reports

A XXXX XXXXXXXX charge from 2019 keeps coming up on my background that is suppose to be expunged
Product: Credit card or prepaid card

On or about XX/XX/XXXX I received a XXXX XXXX credit card in the mail from XXXX XXXX. I had not applied for this card. I immediately cancelled the card, filed an identity theft claim with the FTC and froze my credit. I sent written confirmation to XXXX XXXX XXXX as instructed by the FTC, actually using the letter they provided. I received a letter yesterday ( XX/XX/XXXX ) stating that my claim of identity theft with that account had been denied and I would be responsible for the charges which are {$1100.00}.
Product: Debt collection

Hello in XXXX I called and spoke to this company they offered a settlement but I wanted to verify debt and also wanted to receive a letter of settlement before a paid anythingI have yet to receive anything from them
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 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. 

I sent dispute letter on XX/XX/2023, pertaining to discrepancies reported incorrectly and XXXX, XXXX and Experian have yet to correct the following issues. 
report # XXXX XXXX XXXX XXXX I have also sent them letters asking how the validated the information was correct and have yet to receive a response. I asked them to remove any names and addresses that are not associated with the documents I have attached for reference.
Product: Credit reporting or other personal consumer reports

To, Equifax Fraud Department Re : Identity fraud victim These credit file or report inquiry was caused by unauthorized use of my social security information and card, to whom it may concern. I did not give my consent for these inquiries to be made in my name, and neither do they pertain to anything I did. All of this is unknown to me. In accordance with 15 U.S. Code 1681c-2, REMOVE this information no later than 4 days after getting this letter. This letter was not sent inadvertently or in mistake. To ensure that this is deleted within the specified time period, your business must adhere to the correct procedures. 

1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report 2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXXXXXX XXXX  XXXX of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report 4. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report
Product: Credit reporting or other personal consumer reports

This letter is my final communication regarding your claim that the information below has been " verified '' and that the information being reported by the furnishers is accurate. 
Account Name : XXXX  XXXX Account Number : XXXX  I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( s ). Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). In absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for " negligent non-compliance ''. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damage under FCRA Sections 616 and 617.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, 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 and accurate and false information consist of four personal credit card accounts and one account from XXXX XXXX for {$450.00} the credit card accounts were from XXXXXXXX XXXX XXXX for {$1200.00}, XXXX XXXX XXXX for {$660.00}, XXXX XXXX XXXX XXXX for {$660.00} and XXXX XXXX  no balence given. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as 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.
Product: Checking or savings account

XXXX XX/XX/XXXX. I contact an ad on XXXX to rent a place for XXXX XXXX I was emailing the person about the home. He were telling me to hold the place I had to put a deposit of XXXX XXXX I sent the deposit and I said it will take three days to clear. The owner told me to cancel and retry it because its supposed to go through instantly. So I tried it twice. The last time trying to send it. He stated it would be ok to process it for the three days. A day after his number was no longer working. I contacted my bank and reported it and open a claim. Capitalone stated they denied the claim because XXXX didnt find it fraud when it really was a scam.
Product: Credit reporting or other personal consumer reports

Upon examining my credit report, I identified an unfamiliar account ( Carter Young XXXX ) I promptly contacted the creditor listed on my consumer report and sent a debt validation letter specific to this account. Regrettably, Carter Young has neglected to respond to my letter that was received on XX/XX/year>. Furthermore, I sent a second attempt letter which was received on XX/XX/year> and they still refuse to respond. They have failed to response within the 30 days per the FCRA. Clearly this company lacks the substantial evidence required to link me to this debt. This constitutes a breach of my rights, and it is imperative that this account be promptly removed. I have attached the two letters sent and the proof of delivery.
Product: Credit reporting, credit repair services, or other personal consumer reports

My realtor checked my credit profile and there is a collection on all three bureaus for {$500.00} from XXXX XXXX XXXX. ALLEGED ACCOUNT # XXXX that does not belong to me I have lived at my address for 41/2 years I have never had XXXX XXXX 
DEMAND FOR VALIDATION AND PROOF OF CLAIM This Notice is being sent to you in response to the reporting on my credit profile which is not VALID. Be advised that your reporting is being disputed and validation and proof of claim of the disputed debt is requested in accordance with the The Fair Debt Collection Practices XXXX,15 U.S.C. 16921692p, and as amended by adding the following new Title 8 USC 802., and the Fair Credit Billing Act, 15 U.S.C . 1666- U.S.C . 1666- All of which work in conjunction with each other, including the Truth Lending Act ( TILA ) 15 USC 1601 et seq.

In accordance with the Fair Credit Reporting Act Alleged account #, has violated my rights. 15 U.S.C 1681 section 602 A. { States I have the right to privacy. 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

Experian Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I had a XXXX balance on a XXXX XXXX / XXXX card. Called to cancel asked the lady on the phone to cancel the account no less than XXXX times. At the end of the call she said it was closed and I hung up. Now on my credit report it shows I owe {$230.00} due to there exorbitant fees.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking- Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationXXXX Please delete the following accounts.
Product: Mortgage

Wells Fargo Home Mortgage charged an inspection fee ( for an unknown reason ) in XX/XX/XXXX, North Carolina law had some requirements about fees such as this that Wells Fargo failed to comply with. Around XX/XX/XXXX Wells Fargo mailed a check for the amount of the inspection along with an explanation that they where refunding the amount of the inspection to get them in compliance of this law. 
Wells Fargo charged interest on this amount for many years although they did not refund any of the interest and upon requesting they do so they said they do not offer any interest on fees collected in error, their error ( or non compliance ). 
Obviously this company will not loan money at 0 % interest nor should I, they had the money for 7 years to do what they wanted to. 
Now because they sent a check they fee as if this brings them in compliance, obviously it does n't, if a person gets a speeding ticket because they where driving above the posted legal limit but prior to and after that complies with the law thereafter this does not absolve them of their non compliance with the law, that being said, Wells Fargo Home Mortgage must be required to tender payment for the amount of the non compliance along with interim interest from the date of their non compliance to the date of payment in full. 
This does not absolve them of any fines for violating the state law, it does relieve them from any legal action I may bring against them. 
I will table this matter for 30 days or until XX/XX/XXXX whichever comes later, if they have not tendered payment in full I will take swift legal action, it is in their bet interest to resolve this matter as I will advise my council to request any legal action that may be taken to include a request to have the matter considers a class action.
Product: Credit card

I found that my credit card ending with XXXX was closed on XX/XX/year>. 

When I called XXXX XXXX XXXX, the associate told me that " the customer '' requested them to close the credit card on XX/XX/year>. However, I checked my phone call history, and I never called BoA on that day. 

I submitted a complaint to BoA on XXXX  on XX/XX/year>. A BoA associate, XXXX, told me that they contacted me several times to update my personal information via one of the options they gave. The deadline is XX/XX/XXXX. They said I never took actions, and that is the reason they closed my account. 

Actually, I did update my personal information at least twice in the online banking system ( Option XXXX  ), and to make sure my personal information is updated, I visited a local branch ( Option XXXX ). The local branch representative told me that everything was fine. 

XXXX then replied to me that they confessed that I did visit the local branch, but it was after the deadline. They refused to recognize my two online updates. They said according to their record, I didn't log into the system in XXXX and XXXX, but in XXXX and XXXX. In fact, I did log into the system before the deadline, and finished the task of the pop-up interface for personal information update. 

I then called BoA ( another team ) to ask about my XXXX and XXXX online activities. The associate ( another one ) told me that the system only keeps record up to 90 days old, so they are unable to verify whether I logged into the system in XXXX and XXXX. I told XXXX. 

XXXX then confessed that they are unable to verify whether I logged into the system before the deadline because of the 90-day limit, but she still insists that they are pretty sure I didn't log into the system before the deadline. They refused to restore my long history credit card.
Product: Debt collection

Caine and Weiner bought some debt from another company and then called saying I needed to pay them XXXX amount. I asked for a letter in writing, the representative said I should have received one- I confirmed I did not and requested another letter in writing as I do not give banking information over the phone. Since then, I have received several calls a day from different numbers, from different states, they sometimes leave voicemails. When I answer the call theres an automated pause and then Im connected to someone who says this is Caine and weiner attempting to collect a debt. I have yet to receive a letter of debt owed and will not comply until I receive one. Please help remedy.
Product: Student loan

It has been years since I have been even a day late on my student loan payments but when I was informed that my husband was entering a training program that would significantly reduce our household income, I called Navient to see if I could receive a one month delay on my payments. I was told that they could not do that ; they may be able to lower my payments if I was interested in entering some kind of program but skipping a payment was not possible. I explained that a lower payment would n't help me because I just could n't afford it. They asserted that there was nothing that they could do. It has been less than 30 days since I missed my payment and I am receiving over 20 phone calls per day across 3 phone numbers ; two of which I have repeatedly asked them not to call. I am receiving calls before XXXX and after XXXX which is beyond harassing. During my last call with a representative this morning, I was told that not only would the calls not stop but they are going to continue to call the numbers that I asked them not to because they do n't think it is against the law. She then threatened that she was just going to call my cosigner next to tell her of the delinquency as if that was supposed to instill some kind of fear in me. I 'm going to continue my payments as planned on XXXX but since I was unable to make the payment in XXXX, I will remain ~28 days past due each month because I ca n't make " extra '' payments to make up for the ONE I missed. My concern is that these harassing phone calls will never end. There has to be a limit to how often they can call people. This is no way to treat consumers.
Product: Debt collection

XX/XX/20 MIDLAND FUNDING has debt on my credit report that I do not own. I do not have a written contract with this company or any agreement to pay.
Product: Credit card or prepaid card

Apparently I did make my payment late. It was due XX/XX/XXXX & I made it on XX/XX/XXXX. The money has been taken from my bank account, {$2000.00} Yeah I received a phone call letting me know my a payment was past due and I needed to make a payment. I explained that the payment had already been made and the money had been taken from my account. The customer service/collection person asked me for a confirmation number. I told her I did not have a confirmation number since I authorize the payment from my bank account and I can see that it has been deducted. The question is where has the money gone? I called the number on the back of my BJs/Commenity XXXX and I received a message that they were undergoing an update and it was taking longer than expected and to please call back. I tried to logon online and was not able to. It is now 12 days later and my card has been declined three times. I can not pay for my groceries or my gas at BJs or anywhere else. I am missing out on rewards that I should be getting and the biggest issue is that my payment isnt applied to my balance but they want me to make another payment. I am disgusted with Commenity bank right now and their lack of transparency of whatever the real problem has been.
Product: Credit reporting

Experian credit reporting has failed to update my credit report in a timely manner of all inaccurate and negative comment account information.