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

I have a Bank of America credit card that offered a promotion for a zero percent balance transfer. I took the transfer and paid every month until it was paid off. In the final month of the promotional period, I made the last payment two days before the promotional period expired. However, that same month, I made some purchases using the same credit card. I came to find out that Bank of America charged me interest on the new purchases immediately, without the customary grace period of 30-days, and applied only a small portion of my aforementioned payment ( to pay off the balance transfer ) towards the promotional amount and the rest was applied towards the new purchases. By doing this, Bank of America charged me interest on the new charges ( even though they were not even due ) and on the initial promotional transfer that I thought was being paid off based on the billing statement due. In looking at the banks statement, a person would not know that the payment made to pay off the entire balance, would, in fact, pay a small portion of the promotional balance ( triggering an interest charge ) and accruing additional interest charges on new purchase immediately upon such charges being posted. It is completely misleading. 

Although my charges were minimal, I feel that this is a fraudulent scheme by the Bank and wanted to bring it to the attention of the authorities. On a large scale, this scheme generates the bank income by hiding their policy regarding promotional balance transfers and new purchases and the way they charge interest and apply payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items 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. 
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$2800.00} XXXXXXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX  Balance : {$950.00} XXXX XXXX XXXX Balance : {$3600.00} - XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX  XXXX XXXX XXXX XXXX XXXX : {$890.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

XXXX XXXX XXXX, a hospital where I received care at on XX/XX/XXXX sent a paid medical bill to a medical debt collection agency, BC Services , Inc., which has contacted me to pay for medical services that have already been paid, including requesting incorrect amounts. On XX/XX/XXXX, I requested a detailed list of charges for the amount stating that I owe by mail or email, and have not received any of the information I have requested.

BC Services , Inc. states I owe {$2000.00} from an XXXX XXXX visit on XX/XX/XXXX at XXXX XXXX XXXX ( XXXX  XXXX XXXX XXXX, XXXX ). 

I confirmed with my medical insurance coverage, XXXX XXXX, that they paid XXXX XXXX XXXX and the out-of-network provider for medical services rendered and that both claims were approved. If there was any amount I owed, it would have been my patient share of {$240.00}, not {$2000.00}. These are the confirmations and check # 's I received to confirm payments have been issued and made. 

Claim # XXXX Date of Service : XX/XX/XXXX Claim Status : Approved Processing Date : XX/XX/XXXX Paid by plan : {$990.00}, Check # XXXX issued to XXXX XXXX XXXX for XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX. 
Services : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Patient total share : {$240.00} Claim # XXXX Date of Service : XX/XX/XXXX Claim Status : Approved Processing Date : XX/XX/XXXX Paid by plan : {$21000.00}, Check # XXXX issues to XXXX XXXX XXXX XXXX XX/XX/XXXX Services : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Patient total share : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for the last 3-4 years to open a bank account with the large bank entities in the United States but with no good end result. XXXX XXXX, XXXX, Bank of America. I have even tried the lesser accounts that XXXX XXXX offers for those with bad credit history but still not an option. I am working on getting my credit score back up to normal and with a legit bank account it would definitely help but every bank is telling me no. I would like an in depth look into why that is and for it to be resolved. I have been up to date on most of my payments and dont owe anything to any banks.
Product: Checking or savings account

Deposit was done via atm on XX/XX/XXXX. The same day the bank reversed the deposit. I immediately call the bank to get an explanation on why the deposit was reversed and they said it was due to endorsement. I had review the deposit and endorsement and they admitted to making en error in the reversal. The funds were to be available on XX/XX/XXXX as per the original deposit slip. On XX/XX/XXXX the atm department redeposites the check. However, this time the put an extended hold until XX/XX/XXXX. I have submitted proof the check cleared the bank and the check was paid on XX/XX/XXXX. Even with supporting documentation they have not released the hold claiming the funds are u collected. In the meantime my business is on hold due to lack of working capital.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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 XXXX and Equifax credit bureau to validate this account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. 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 update : XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$0.00}
Product: Student loan

Was not given correct or adequate information on loan repayment options and have had issues with payments not being deducted from loan amounts
Product: Credit reporting or other personal consumer reports

I noticed a fraud account that I didnt open. This account is not open under my address. This account needs to be removed ASAP. They are violate my rights. How are the credit bureaus reporting this information and it cant be verified because this account is not open it was not open Under my address. They are reporting a fraud account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the co-signer on a student loan account taken out over 10 years ago. The loan is now in repayment, and the main borrower filed for bankruptcy earlier this year. I live in XXXX, FL and the main borrower resides in XXXX, OH. 

Under the normal terms of the loan, when the loan fell past due, I was immediately notified by mail or phone and would ensure the payment would be made to avoid delinquency being reported. Once the main borrower filed for bankruptcy, the lender seized all communications with main borrower and also myself. I had to find out via credit reporting that this student loan account was past due. When I attempted to log in to online, Discover also removed access online. When I spoke to Discover 's bankruptcy department ( on several occasions ) the scripted representatives simply recited the same thing, that legally they were not able to contact me. Nonetheless, they deem it appropriate to ruin my credit, which I have worked tirelessly to keep intact, based on their guidelines. 

Now I have a problem with this. The main borrower filed for bankruptcy. I did not. So I should still be able to be contacted to give me an opportunity to act ( make a payment ) and fulfill my duty as a co-borrower prior to adverse action being taken. If it were up to me, the account would never default, but I have to know what 's going on with the account. Given Discover 's decision to restrict access, my credit is adversely being affected costing me thousands of dollars, as I 'm in the process of closing on a home loan. 

The loan was reported past due during the months of XX/XX/XXXX XXXX and XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A.

States I have ( he 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 wilhout my writen instructions.
Product: Debt collection

I kept going on there and my child was always sucking on the wrong pacifier and all of his pacifiers had his name engraved on it. I kept bringing this up but it was never fixed. He was always crying when I picked him up or go to drop him off. He was n't happy there. I gave my 2 weeks notice to the daycare and took my son from that daycare in XXXX XXXX. I have not heard anything from them, then I go to buy a house I 'm XXXX XXXX, and see they sent a collection in XXXX of XXXX stating that I owe them {$510.00}. One they never contacted me about anything, two I have them notice.
Product: Checking or savings account

On XXXX XXXX, my check for {$3000.00} was returned to issuer ( my attorney ) because she accidentally wrote the check wrong but the funds have not been released to my attorneys account so that she can reissue the funds back to me. The money has already been debited from my account. Ive called chime numerous of times including today with my attorney and her bank, nobody from chime is able to tell me where the funds are. 

We are well over the time period of awaiting the returned check.
Product: Mortgage

I applied for a modification and on XXXX/XXXX/2023 SPS sent me a letter saying my application was incomplete because it was missing the RMA with hardship letter and a Short Payoff offer. I was told to submit the needed information by XXXX/XXXX/2023, so I submitted the missing information on XXXX/XXXX/2023 ( I have attached proof of both items being uploaded before the required date ). 

Despite making the information available on time ( even before it was due ). SPS sent me one letter on XXXX/XXXX/2023, saying I did not submit the information and my application is still not complete. In this letter they give me another opportunity to send this information ( that I already submitted ) by XXXX/XXXX/2023. but may still foreclosure on me any time after XXXX/XXXX/2023. The very next day SPS sent a letter saying they could not assist me because they did not receive an answer from me. I am appealing this because they most definitely received an answer and all of the information they requested. In the meantime, I will not be surprised to receive another scheduled foreclosure date because they almost always send confusing, conflicting information and still move forward with scheduling a foreclosure sale. 

I am attaching each of the letters sent by SPS and proof that the requested information was submitted in time.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep concern and frustration regarding the numerous attempts I have made to remove fraudulent items from my account. Despite my repeated efforts, it appears that the issue persists, and I have not seen any resolution. 

I have encountered unauthorized transactions and fraudulent activities on my account multiple times, and I have diligently followed your provided procedures for reporting such incidents. However, the lack of effective action on your part has left me dissatisfied and concerned about the security of my account. 

I would like to bring to your attention the following instances where I have reported fraudulent items : Despite my cooperation and adherence to your reporting protocols, the fraudulent items have not been adequately addressed, and my account security remains compromised. This situation is not only inconvenient but also raises serious concerns about the integrity of your security measures. 

I request an immediate and thorough investigation into these matters to identify the root cause of the repeated security breaches. Additionally, I expect prompt action to remove all fraudulent items from my account and to reinforce security measures to prevent such occurrences in the future. 

If necessary, I am prepared to provide any additional information or documentation to support your investigation. I trust that you will treat this matter with the urgency and seriousness it deserves, and I look forward to a swift resolution. 

Failure to address this issue promptly may compel me to escalate my concerns to relevant consumer protection authorities and consider legal action to safeguard my rights as a customer. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX Owed : {$150.00} XXXX XXXX XXXX/2020 XXXX XXXX XXXX XXXX, AZ XXXX.
Product: Credit reporting

XXXX has reported XXXX late payments on my credit report that are incorrect. I paid onetime every month using their online payment system. I have disputed the information accuracy with equifax and it has came back verified.I was not given the name or physical documents showing how any information was verified. I need the XXXX late payment entry that are reporting incorrectly removed.
Product: Student loan

Great Lakes has not informed us appropriately about how income-driven payment options would allocate monthly payments for my wifes student loans. My wife has been enrolled in income-based and/or income-driven plans for student loans. We made {$1000.00} monthly payment for first year and than increased payment to {$1800.00} monthly in second year. Almost all of our payments were allocated to the interest, esp graduate plus loan payments. Therefore, our total loan payments increased by at least $ 18-20K since she graduated from the XXXX school. I have personally called them many times to pay the loan amounts in a greater portion to reduce the principal amount. During those calls, they never discussed about how we can pay on monthly basis to reduce the principal amount. It seems that greatlakes failed to discuss the minimum amount needed beyond the {$1800.00} we have been paying to reduce the principal amount. Therefore, providing very poor customer service, not looking into the best interest of the borrowers, pushing the borrowers into more debt amount. This is very unethical way of doing business.
Product: Credit reporting

EQUIFAX HAS DAMAGED MY CREDIT REPORT AND SCORES BEYOND REPAIR! SEVERAL SPLIT OR ORPHANED FILES ALONG WITH FRAUDULENT ADDESSES ETC..
Product: Credit reporting or other personal consumer reports

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


I told Experian, XXXX, and XXXX to reinvestigate these 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 However XXXX they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

I am so displeased with the way my information was used by Republic Finance. I am very distressed and emotionally distraught because I was trying to buy a home for my family, and I got denied due to damaging, inaccurate and incomplete information being reported on my Consumer Credit Report. This is a defamation of my character, and its hindering my success. I take my livelihood very seriously, and I expected you to do the same. 
According to 15 U.S. Code 1681, you are supposed to promote fairness and accuracy on my Credit Report. But all I see are Fraudulent, Unauthorized, and Unvalidated Accounts. I was a victim of the data breaches with XXXX  and XXXX, so at this point, you really should be protecting my privacy. This is XXXX to my emotional and XXXX health and well-being, to the point that I had to have my pastor pray for me several times. 
I dont have access to safe, affordable housing now, because you are violating my rights and privacy with this inaccurate reporting. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, no Data Furnisher should be reporting any inaccurate, incomplete or unverifiable information, because this is negligent and willful non-compliance. I need help now so I can proceed with buying me and my family a house, as this is negatively effecting my livelihood.
Product: Debt collection

XX/XX/XXXX - Mailed an 11-Point Affidavit titled " Conditional Acceptance of Debt Upon Proof of Debt Validation '' regarding account number XXXX via Notary Presentment/Certification of Mailing ( c/o XXXX XXXX XXXX / Minnesota Notary Public, sent Registered Mail # XXXX ) to XXXX XXXX c/o Navy Federal Credit Union at XXXX XXXX XXXX XXXX, XXXX, VA XXXX which was never responded to. Additionally, an agent/representative of Navy Federal Credit Union subsequently updated and " verified '' the information regarding the same account which is currently still being reported to all 3 major credit reporting agencies ( XXXX, XXXX, and XXXX  ) with failure to provide proof of method of verification. [ Copy and Proof of Service Attached ] Previously, on XX/XX/XXXX, XXXX XXXX d/b/a Navy Federal Credit Union was mailed an Affidavit of Notary Presentment, Notice and Demand for Complete Audit Trail (  Jurat ), as well as a Non-Negotiable Notice of Adequate Assurance of Due Performance via USPS Certified Mail Number XXXX which contained a pre-filled Affidavit that was never completed, properly endorsed, witnessed by a Notary, and returned. [ Attached ] One month later on XX/XX/XXXX, a Certification of Non-Response/Non-Performance was sent to XXXX XXXX d/b/a Navy Federal Credit Union via USPS Certified Mail Number XXXX XXXX XXXX XXXX XXXX. [ Attached ]
Product: Bank account or service

Issue that occurred was on Friday afternoon, XXXX XXXX, Capital One bank contacted me, and informed me they accidentally drilled into my safety deposit box, ; they said i needed to go down there and pick up my items. The bank is located at XXXX XXXX XXXX, XXXX, Texas XXXX. The Manager who called me is XXXX XXXX However, upon arriving at the bank, the bank refused to release or even let me see the contents of my safety deposit box, unless i signed a form, waiving all liability to the bank, and confirming that all items were intact despite not having been able to see them. I was offered a chance to review an inventory that was hand written, illegible, and disorganized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through a divorce in late XX/XX/XXXXand took a job inXX/XX/XXXX out of the country. 
I came back to USA in lateXX/XX/XXXX to find that many accounts were opened in my name. Not sure who but I have a suspicion that it was my ex-wife. 
I supplied all records and proof of work and visits to the USA during the time period to the credit agencies to resolve the matter. 
Many of the creditors removed their filing except for 3 collection agencies listed below. 
Also, there are 2 addresses on my report that belongs to my ex and I have never lived there or anywhere in XXXX. 

1. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 2. 3XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX She added my name to her address and received the cards or loans online to that address while I was XXXX if miles away. 

To be removed : 1. XXXX XXXX XXXX  XXXX XXXXY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Total {$2500.00}. 

2. XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Total : {$5200.00} 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Total : {$1900.00}
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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I discovered today ( XX/XX/2022 ) that a person opened a Checking account at Capital One Bank in my name. I went to set up an account with them for the first time ever and found out one was set up already. I was told the checking account was already closed, they did not tell me what banking took place on that account. I was able to obtain the mailing address and email they set up and the last four digits of their cell phone number when changing the account back into my name. I do not know what amounts were opened or what transaction took place on this account.