23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I took advantage of a 12 month, 0 % interest, balance transfer offer with Capital One for my Quicksillver credit card on XX/XX/XXXX for {$9600.00}. I was charged an upfront fee of 3 % for {$280.00}. The following XX/XX/XXXX billing statement included this balance transfer and respective fee. In the top left corner of the bill, an 'Interest Saver Payment ' option was included below the payment due date and new balance total. It stated that if I 'Pay at least this amount to avoid interest on new purchases shown on your next statement. ' I proceeded to pay this interest saver payment each month through XX/XX/XXXX. On the XX/XX/XXXX billing statement, this " Interest Saver Payment '' option was removed from my billing statement with no upfront notice or warning. Now the only payment option given was " Minimum payment due '' for {$88.00}. I proceeded to pay this minimum payment for {$88.00} on XX/XX/XXXX. Come to the XX/XX/XXXX billing statement and I was in turn charged {$160.00} in new interest charges. When I called Capital One on XX/XX/XXXX, to inquire about what took place, the supervisor informed me that my 12 month 0 % interest balance transfer offer had expired and I would now be charged interest on the statement balance. I informed him that I was not made aware of the expiration date of this offer in writing and notified him about the removal of the " Interest Saver Payment '' option from my XXXX statement. I asked for the interest charges to be credited back to my account. He refused and said this is normal Capital One business practices of which I believe is fraudulently deceiving millions of consumers with this misleading information. I asked to speak to his supervisor and he said that was not possible as they are only accessible via email. I proceeded to file a complaint with Capital One about this negative experience. The Capital One case number is XXXX. 

I proceeded to pay my full statement balance on XX/XX/XXXX, for {$9000.00}. 

Fast forward to the XX/XX/XXXX billing statement and I was once again charged interest in the amount of {$130.00}. 

I called Capital One on XX/XX/XXXX, and inquired as to why I was continuing to be charged interest after paying my statement balance in full on XX/XX/XXXX. I once again informed the supervisor, XXXX ( Employee ID # XXXX ), that I was not made aware of the expiration date of the balance transfer offer in writing and notified him about the removal of the " Interest Saver Payment '' option from my XX/XX/XXXX billing statement. I asked for the interest charges to be credited back to my account. He refused and said this is normal Capital One business practices, of which I believe is fraudulently deceiving millions of consumers with this misleading information. I asked to speak to his supervisor and he said that was not possible as they are only accessible via email. I proceeded to file a complaint with Capital One about this negative experience. The Capital One case number is XXXX.
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 federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following account has been paid but XXXX, Experian, and XXXX have been reporting as follows : XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. XXXX XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$960.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION. 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Passport, ID, Identity Theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a correspondence to Experian over thirty days ago requesting to confirm a debt for me with a collection agency, they did not respond to me, its been over 30 days. I enclosed the previous correspondence to Experian to support my complaint that its taken Experian over 30 days to respond.
Product: Credit reporting or other personal consumer reports

There is a Public Record ( XXXX  being reported on my Credit ) I first wrote to the credit bureaus to ask who reported the record. I later got a letter saying that is was verified by the Bankruptcy Court, which I wrote asking about reporting my information to the credit Bureaus. They replied by with a XXXX page letter saying that the court does not report personal information to anyone. I then wrote back to the credit bureaus letting them know the courts response and I got a reply saying it was verified? Which was not true since I got the letter from the courts.
Product: Prepaid card

I had filed a dispute over @ charge someone else had made on my card. after filing the dispute the person pay me back so I did not follow through with it. about 10 days later the dispute wasn't denied which was fine. but then they closed my account and locked it this is on XX/XX/XXXX. I called and was told that I check will be cut the next day for the balance remaining in my account. I have called nearly every day since then and told told something different every day and I would like to know when I will get my money.
Product: Student loan

I took these loans out in XXXX and they totaled just above the amount owed now. Two loans are 4 % and one is 12 % interest. It shows that literally less than 10 % of all payments made has gone to the principles of the loans. One loan even went up {$1400.00}, due to bad customer service advice and 99 % of my payments going to interest first. I have screenshots of the history. Do I dare refinance? Or just join the suit. I was taken advantage of just after a XXXX assault and XXXX. Navient has ruined kids in college. It doesnt need to continue.
Product: Debt collection

This debt was from an apartment complex I used to live in. When I moved out they wanted to charge me XXXX dollars for a " smoke cleaning ''. Issue is, I have never, nor did I ever smoke. When they attempted to collect the debt, I asked them to show me the receipts and reports from the machine they had to use and they said they would get back to me. Several weeks later, I never heard anything and I now have a collection report on my credit account. I would like this removed and either be provided proper proof and documentation that they got this machine, or for them to retract the debt. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my seventh endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Account XXXX Dear XXXX Consumer Relations, I am writing to formally dispute the accuracy and validity of an account that is being reported on my credit report. The account in question is referenced by the account number XXXX. According to my credit report, the account details are as follows : Creditor : XXXX XXXX Balance : {$470.00} Highest Balance : XXXX XXXX Monthly Payment : {$84.00} Date Opened : XX/XX/XXXX Term : 7 months Payment History : You've indicated that I've made 100 % of payments for this account on time. 
I would like to bring to your attention that I have no knowledge of this account, and I do not recall entering into any agreement with XXXX XXXX  or any other entity for the debt mentioned above. Additionally, the payment history provided does not accurately reflect my financial activities. 

Considering the information provided, it appears that there may be an error or misunderstanding. I request that you conduct a thorough investigation into the validity of this account and the accuracy of the reported information. As part of this investigation, I kindly ask that you provide the following : Verification that the debt is indeed associated with me and that I am responsible for it.

Copies of any documentation, contracts, or agreements related to this debt.

Detailed payment history, including dates and amounts of payments made. 
Any communication or correspondence from XXXX XXXX related to this account. 
I believe it is crucial to resolve this matter promptly, as it is adversely affecting my credit standing. I have always been diligent in managing my finances and ensuring that my credit report is accurate. I respectfully request that you expedite the investigation process and provide me with a written response outlining the results of your investigation. 

In accordance with my rights under the Fair Credit Reporting Act, I am requesting that you provide a response within 30 days from the date of this letter. If you are unable to verify the accuracy of this account, I request that it be removed from my credit report immediately. 

I appreciate your attention to this matter and your commitment to upholding the accuracy of credit reporting. Please provide any communication regarding this dispute in writing to the address mentioned above. 

Thank you for your prompt assistance in resolving this issue. 

Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRYS XXXX XXXX XXXX XXXX XXXX  IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion has failed to do a proper re-investigation according to FCRA. All Credit reporting agencies are supposed to have the same accurate information when a true investigation is done. Attached is proof that all Transunion, XXXX, and XXXX have different information. I received a copy of my credit report and noticed inaccurate Information reporting. Pursuant to, 15 USC 1681, Accuracy and fairness of a credit Report. According to the law, before any information is inserted to my consumer report, it must be accurate and fair Information reporting. XXXX  XXXX account XXXX is a fraudulent account and is reporting with different information on all from Transunion, XXXX, and XXXX which proves there has been no proper investigation done. Transunion is currently reporting negative information as a violation to federal laws. ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. ( 15 usc 6801 Protection of Non- Public Information ) PLEASE PROVIDE THE DISCLOSURE FORMS RECEIVED IN YOUR INVESTIGATION WHEN ACCOUNTS WERE FIRST PLACED ON MY CREDIT REPORT. 15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT. AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT. THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE. HOW WAS THE INVESTIGATION CONDUCTED? PURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION. I'm aware of my rights and according to the Fair Credit Reporting Act, I have the right to challenge anything and everything that I'm unsure of. I am demanding that you reinvestigate this account immediately. If you can't provide proof of the reinvestigation, these accounts must be deleted according to 15 USC 1681 i, ( Treatment of Inaccurate or Unverifiable ). In general, if after any reinvestigation under paragraph 1, of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. The law is very clear as to civil liability and remedy available to me. Furthermore, failure to honor this reinvestigation will lead to you being responsible for {$1000.00} per violation. Thank you for giving this your prompt attention.
Product: Mortgage

I have been having problems with this mortgage company since they took over my mortgage. I tried paying through their website, and had problems, they claimed it was my bank, they could not find my account, etc. Then I set up bill pay through my bank, and still had the payments post late, and BSI financial charging late fees. I had a XXXX way call with my bank, and the bank is sending the payments on time, they are not posting them in a timely manner. I called again on XXXX and the representative stated the fee of {$11.00} was nsf fee, which is not true, I had enough money in my bank to cover the payment. BSI keeps stating that the {$170.00} I owe is late fees, but this does not add up. Whatever way I try to pay them, they have an excuse for posting this late, and charging me more and more fees. 
I switched back to auto pay through their website on XXXX, so they could not say the payment is late. I know they are going to come back and state that they could not process my payment as they could not find my bank account. I know this, as they did this the last time, and when I talked to a rep, she claims it happens to a lot of their clients. This company is run very haphazardly, and needs someone to step in and regulate or fine them, as they are stealing people 's money by using predatory tactics to obtain extra fees. 
I have been on hold now for almost XXXX minutes, waiting to speak to a supervisor, as no one seems to know how to assist me with all the nonsense fees they keep adding to my account.
Product: Checking or savings account

On XX/XX/XXXX Chime closed my account due to a denied dispute.. On XX/XX/XXXX I received another email about the same dispute and that the dispute had been reopened and provisional credits have been applied to my account Chime is now telling me my account cant be reopened
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to claim # XXXX Transunion has continued to violate my rights. They claim to have investigated the incorrect account for XXXX XXXX XXXX that is reporting to my consumer report and causing harm to my life. This account is reporting a different close date with XXXX, Transunion, and XXXX. I demanded that this account be deleted from my consumer report due to non-compliance with METRO2 standards for accuracy. Transunion claims to have updated this account. I AM DEMANDING THAT THIS ACCOUNT BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY. TRANSUNION DID NOT DO A PROPER INVESTIGATION AND CONTINUES TO PARK THIS INACCURATE ACCOUNT ON MY CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

On XX/XX/XXXX, I opened a discover account ( XXXX ) with a XXXX dollar credit limit.I have used this card many times and payed it off many times.My last payment was on XX/XX/XXXX, paying off card.From XXXX, I havent used the card for any purchases and kept it for future use.On XX/XX/XXXX, I woke up with an email from Discover saying that my account was closed for : Inactivity on your account ( s ) Serious delinquency Proportion of loan balances to loan amounts is too high Also, it states in that email the key factors are : 1. serious Delinquency 2. Proportion of loan Balances to loan amount is to high 3. length of time 4. Too few accounts currently paid as agreed 5.Number of credit inquires on credit bureau I disagreed with all these key factors and why it was closed.I feel these key factors and why they closed the account is a lie.I believe its because of the current coronavirus pandemic and discover is closing many accounts.I have other credit cards with other companies, that i paid off on XX/XX/XXXX and they didnt close my account ( s ) .I know credit card companies can close accounts at anytime.Also, in my XXXX  credit report dated XX/XX/XXXX file number XXXX, my credit score is way over 700.In the discover email dated XX/XX/XXXX, it states my credit score is XXXX.That score is false discorver provided.I called discover on XX/XX/XXXX at XXXX and spoke with XXXXShe stated my credit card was closed because of Inactivity on account.I asked XXXX to reinstate my card and XXXX stated i will have to re-apply.I asked XXXX, if this account was closed because of the Pandemic and she would not responsd to that question.XXXX  also stated to contact XXXX  if i have any concerns about my credit report and discover email.I totally disagree with discover closing my account.I believe Discover treated me unfairly.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Name XXXX XXXX XXXX XXXX Incorrect Name XXXX XXXX XXXX Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Negative Account on Credit Report Dear Representatives I am writing to formally dispute the following negative information that appears on my credit report. this information is inaccurate and request that it be investigated soon as possible as section 1681n state. 

Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  violations of section 1681 ( n In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you remove the inaccurate information from my credit report. Please notify me in writing of the results of your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes with the following credit reporting agencies Experian, XXXX and XXXX about the fraud I have found on my credit report. These following accounts are unauthorized and I would like them removed from my credit report. XXXX XXXX date openedXXXX, balance- $ XXXXXXXX XXXX XXXX  date XXXX, balance- {$1100.00}. XXXX XXXX XXXX XXXX, date XXXX, balance- {$0.00}. XXXX XXXX, date XXXX, balance- {$970.00}.