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

On XX/XX/23 I maid a payment in full to my Ulta Beauty Credit Card ( Comenity Capital Bank ). My account had a previous balance of {$170.00}. I made that payment in full expecting no more fees or payments on this card. Unfortunately, on XX/XX/ they charged me a " minimum interest fee '' instead of the regular interest charged. My billing statements show this as a " Fee Charged '' instead of " Interest Charge '' Every month after that, they have charged a " minimum interest fee '' plus a late fee because of this hidden fee that I did not know to pay. This morning ( XX/XX/ ) I received and email from them telling me my account was delinquent and that I need to pay the card. I called their customer care number and ended up paying the card again which had accrued a balance of {$30.00} in the last 3-4 months from " minimum interest charges and late fees ''. I also asked them to close my account. They did tell me I need to check my account again for any interest they may charge in the meantime. 

This " minimum interest fee '' had not been charged on any statements prior to paying off the full balance on my card. 

Comenity Capital Bank is charged me interest fees despite the card being paid in full. I do not want to do business with them again.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - summary Equifax XXXX XXXX Account Number XXXXXXXX Original Lender XXXX XXXX XXXX XXXX Name XXXX Date Assigned XXXX XXXXXXXX XXXX Original Balance {$320.00} Current Balance {$320.00} Responsibility Individual Status Unpaid Comments Consumer disputes this account information
Product: Credit card or prepaid card

I purchased special optical lighting products from XXXX XXXX, owner of XXXX, an online company selling special XXXX XXXX. They are located at : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX I sent the vendor 's representative, XXXX XXXX, a quote from a competitor company called XXXX XXXX for specific XXXX  lighting products. XXXX was able to beat that quote. XXXX XXXX promised to send XXXX products. XXXX XXXX charged {$6200.00} to my XXXX XXXX account. After taking my money, they did not send me XXXX lighting products, but they sent me their generic, low quality lighting products instead. I paid for the XXXX products in XX/XX/XXXX. Upon completion of contruction, XXXX XXXX sent the low quality products and I was able to test the products out in XX/XX/XXXX. Four bulbs burnt out immediately. These were not XXXX products. Their website stated to call for a return authorization number to return the products. We called, and they ignored all our phone calls. We returned the products to them and paid for the shipping charges. 

I called Citi cards to dispute the charges from XXXX XXXX. Citi Cards failed to investigate the problem and to credit my account for products that were not promised from XXXX XXXX. Citi Cards did not protect my purchase for the wronged products received. Citi cards is forcing me as a consumer to pay for the products that I did not received. I am asking you to investigate Citi Card 's policies and my rights as a consumer. Thank you for your time. 

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

I am a victim of ID theft. I have filed a local police report and the FTC complaint. 
The thief tried to obtain credit fraudulently from drivetime on XX/XX/2021. 
I disputed the inquiry on my credit report through the credit bureau. On XX/XX/XXXX I received a letter from drivetime stating that they denied my request. ( see attached letter ) Quote : " Our records show your credit was pulled after you visited our website, www.drivetime.com, or one of our dealerships on XXXX XXXX. Our records also show you gave us permissions to pull your credit because you were interested in obtaining credit for the purchase of a vehicle. Since you authorized the credit pull we will not be able to grant your request. '' I immediately called the company at the number on the letter. After explaining the issue and getting nowhere I asked to speak with a supervisor. The supervisor identified himself as XXXX XXXX from the customer relations team. 
He told me they will not remove the inquiry because it was legitimate and they have no proof it was not initiated by me. I was very clear that I am a victim of ID theft, I never authorized anyone to obtain credit in my name, I have filed the report with the authorities and I offered to send them a copy to verify my claim. 
XXXX XXXX still had no interest in resolving the matter.
Product: Debt collection

In early XXXX of XXXX, XXXX XXXX XXXX XXXX processed two fraudulent transactions with XXXX. While the transactions were against our " checking account number '', the signature on the transactions was not ours, nor was it even in our name. 

The transactions were clearly fraudulent, and in our opinion, would have required " insider '' support. In the same month, we received a notification of debt collection from XXXX XXXX XXXX ( an affiliate of XXXX XXXX XXXX XXXX ) trying to collect on the fraudulent transactions. We filed a police report regarding the fraud, and forwarded this report, along with the multipage " disputed debt form '' we got from XXXX XXXX XXXX to XXXX XXXX XXXX on XX/XX/XXXX. At the time, we requested copies of the fraudulent checks to provide to the police department to assist in the department 's investigation. We never heard back from XXXX XXXX XXXX. 

In XXXX of XXXX, approximately five ( 5 ) years later, we are contacted by Transworld Systems , Inc., aka TSI, ( an affiliate of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) attempting to collect on the debt associated with the fraudulent transactions. The initial contact was via phone at which time we explained that we had done everything XXXX XXXX XXXX had requested in XXXX of XXXX and we considered the matter closed and any further attempts to collect this debt was, in itself, fraud. Subsequent to this phone conversation TSI sent us two letters requesting we complete an " Identify Theft Victim 's Complaint and Affidavit '', a six ( 6 ) page document that resembles the " disputed debt form '' we completed for XXXX XXXX ( 5 ) years previously. 

We feel this continued attempt to coerce us in to paying debt created by XXXX XXXX XXXX 's inability to stop the original " identify theft '' and " fraudulent transactions '' is fraud. The company responsible for enabling the theft is affiliated with the companies attempting to collect the " debt ''. We respectfully request you take action against these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

EquiFax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Product: Debt collection

yesterday went on my account and i have a auto loan on my account which I have no kwoedge of I want it tooking off
Product: Money transfer, virtual currency, or money service

Im filling a complaint with cash app due to inadequate consumer financial protection act CFPA. Specifically, Cash app failed to take timely and effective measures to prevent abd address fraud on their platform, Leaving my account, vulnerable and unprotected. Furthermore, They dispute resolution process was unfair and deceptive, As they did not comply with error resolution requirements under the electronic fund transfer act, EFTA and regulation E These actions has called significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

According to the 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. '' XXXX XXXX, XXXX and Experian are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal XXXX XXXXXXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXXXXXX XXXX the financial institution and the Consumer reporting agencies XXXX XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXXXXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Vehicle loan or lease

I set up a payment plan with Credit Acceptance in XXXX of XXXX Credit Acceptance informed me that they do not have any record of me calling them to do this. I set the payment plan up for $ XXXX after I filed a claim with the CFPB due to Credit Acceptance setting me up on a payment plan for approximately $ XXXX. I spoke with XXXX who was very helpful and we set up a payment plan for $ XXXX. My car was repossessed last month XXXX XXXX of XXXX. I was told that I would have to pay the designated monthly payment of approximately $ XXXX in which I am unable to make. This company is predatory and has many complaints against it by many consumers. They have predatory loans and report inaccurately to the credit bureaus causing a person to never get out of debt which makes it difficult to improve your credit score so that you can qualify for a better vehicle loan. I was told by Credit Acceptance that I would not have to pay additional monies to the repossession company in which I did have to pay a fee of approximately {$120.00} to release my vehicle causing further economic hardship.
Product: Checking or savings account

I signed up for a {$400.00} bonus offer from Upgrade. This offer was published on the XXXX XXXX website. The offer was to sign up for rewards checking, fund the account, make 3 debit card transactions within 60 days, and the {$400.00} bonus would be deposited to my checking account. There were no other requirements in any website including Upgrade 's website. 
I met all the requirements and called about the bonus. At that time I was informed that there was an additional requirement. That was to join the XXXX XXXX XXXX XXXX, open a line of credit and secure a loan. I told them that requirement was not listed anywhere on the website 's offer. I was told that was the requirement anyway. I asked what the interest rate was for the loan and how much I was forced to borrow. They said they couldn't tell me and I would be notified of that information after I signed up for the line of credit. I told them I was not interested in taking out a loan or opening a line of credit with this credit union that I knew nothing about, and I was told if I didn't join the credit union and open the line of credit then I would not get the {$400.00} bonus. 
I called the XXXX XXXX XXXX XXXX and they said they knew nothing about the requirements for the bonus.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Balance : {$67.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX XXXXXXXX Balance : {$73000.00} XXXX XXXX XXXX Balance : {$59000.00}
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. 
XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


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: Mortgage

This is additional information, that I faxed to Bank of America on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Discover credit card balance is incorrect.
Product: Debt collection

Equifax and XXXX XXXX, I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
These item ( s ) showing 30/60/90 days late payments are inaccurate because the vehicle that was financed by XXXX was totaled by XXXX insurance on XX/XX/XXXX. 
XXXX voluntarily stopped drafting my checking account for payment. I contacted XXXX on several occasions once they reported me 30 days late and was assured no payment was required of me and that the late payment status would be removed from my credit report. 
XXXX has made no attempt whatsoever to collect payment from me in any way. 
Please remove these items from my report. 

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

Apple credit card fraudulently let someone charge up my account. They contacted me saying I owed then XXXX I had auto pay set up and they had taken out XXXX on XX/XX/2023 then another XXXX XX/XX/2023. I told them I have not used the card at all and they just took money out of My account. They said they never recieved any payments. I asked them to open a dispute for the fraud purchased on the account I didn't do. They did. The next day they called me and said I owed XXXX and it was past due. I told them there is no way. Now on my credit they flagged my account past due XXXX!!!! I don't even own a apple phone to use the card!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple hard inquiries reported on my credit report. On my XXXX credit report, one from XXXX on XX/XX/2023 and also from SyncXXXX on XX/XX/2023. On my XXXX credit report, there is a hard inquiry from XXXX XXXX XXXX, on XX/XX/2023. I do not recognize any of these. I called the companies on my XXXX report to request a deletion letter on XX/XX/2023. I called the company on my XXXX report on XX/XX/2023 to request a deletion letter. They said there is no account open in my name so they can not provide that for me. They suggested that I report it to the federal trade commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I applied for a home mortgage end of XX/XX/2018, beginning of XX/XX/2018 and was pre-qualified. I found a home to purchase and entered into a contract XX/XX/18. Caliber Home loans was handling the financing loan for this new purchase. They requested the usual documentation such as the most recent XXXX 's for the past two years, most recent 30 day paystub from employer, last two months of bank account statement, etc. etc. Every document requested was provided to the company. I was selling my property in order to finance a conventional loan with 20 % down and this was disclosed from the beginning of application to loan officer. We were expected to close the same day on both properties, that is my old home and new purchase on XX/XX/18. My property being sold closed but I could not close on the new property being purchased due to the underwriter delaying funding of my loan. She kept on requesting documents at the very last minute, some of which had already been provided to the loan officer, and she kept on questioning information on my application that was clear and evident from documents that I provided to them. She would take 48hrs to review one piece of document and would then request more therefore delaying the close of my escrow on the new purchase even more and causing me to incur extra financial charges by delaying the move to the new property as I had to rent back my old property. She delayed the close of my Escrow on new property by almost a week and this caused a financial hardship for me and my family not to mention a severe amount of physical, emotional and mental stress that caused me to suffer physically by XXXX XXXX XXXX   supply as a XXXX XXXX which affected my 6 month old baby. I felt like I was being discriminated against for being a single XXXX XXXX XXXX of XXXX. She requested the child support order that was not even consider in the application as a mean of income for repaying the loan. Even at the time of signing my documents with the notary she wanted me to provide another statement from my retirement account even though the most recent had already been provided. It was the most stressful and horrible experience of my life as I was almost forced to move out of my old property without having a new place to move into and no preparation as she delayed the entire process and I felt like I was being evicted out of my old home and had no certainty as to when I would close and receive the keys to my new home. I have never had such an experience with a home mortgage and I have refinance several times. I would never finance again from Caliber nor would I ever recommend to my family, friend, co-workers or the public in general.
Product: Mortgage

Selene Finance has this mortgage listed on my credit report when it was filed in my bankruptcy.
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. 

XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3600.00} ), XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$2400.00} ), XXXX XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ), XXXX XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$690.00} ), XXXX XXXX XXXX ( XXXX, Open Date XXXX XXXX, XXXX, Balance : {$11000.00} ), XXXX XXXX  ( XXXX, Open Date XX/XX/XXXX, Balance : {$3500.00} ), XXXX XXXX XXXXXXXX XXXX Account Number XXXX Open Date XXXX XXXX, XXXX, Balance : {$2500.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

attach XXXX XXXX XXXX and XXXX XXXX  are not mine see police report and FTC report