23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Around XX/XX/XXXX, contacted the bank about unexpected and unfair late fee and the itnerest charges on cash advance, which I had to make via XXXX, paying them $ XXXX because Bank of America XXXX no option of the cash advance and/or XXXX as a direct deposit into my XXXX XXXX  account XXXX When I saw all the charges added up by Bank of America for this cash advance, which brought my account to overlimit of {$30.00}, I discovered their late charge of {$30.00} for the alleged overlimit of {$30.00}. I paid the alleged overlimit charge as soon as the Bof A site was working and accepted my payment, I wrote to BofA, asking them to remove the late payment fee AND to reduce my interest rate, AND to reduce my monthly payments at least for a few month, due to financial hardship, The Bof A reply was twofold XXXX, Their last statement showed AN INCREASED montly payments, the late fee was not removed AND XXXX, Their reply to my request, written by their bot, directed me to call them from XXXX ( even though they know that I can not do it ) or contact their chat, which has proven to be useless again and again. 
The message board offers a reply option, which they block, lying about the site temporarily not working and asking to resubmit, Well, i have tried to do it no less than 5 times -same result, Attached please find my original request, the BofA reply, and my reply, which their site would not accept, It is high time that BofA stop their customer abuse and begin to provide service, Their products are good, there service is nonexistent The BofA XXXX
Product: Debt collection

I went to XXXX College in XXXX AZ for a trial time. I did not complete my classes there and was told that I they were a new school for XXXX  and XXXX  and they were introducing a non traditional platform for people that did not want to go to a big college.I decided not to go to this school because they were getting sued and we also found out that credits could not be transferred because they had the incorrect staff teaching classes. I opted out of continuing to go to this school. I did sign paperwork acknowledging I was a trial student ( is what they told me and hundreds of other students ) All of a sudden I am getting garnished years later. I called the collection place ECMC to dispute this and they did nothing for me. I am not able to find any documents because i have moved and around a lot since my attendance with XXXX college. So many other students are fighting this debt too. ECMC was not able to show me what i signed but they are saying I owe XXXX. I have attached some news on the school as well XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely concerned about Equifax 's massive failure to safeguard my personal information. In addition, the entire system of credit reporting and security in this country needs to be overhauled. It is ridiculous that I have to pay a {$10.00} fee to freeze and unfreeze each one of my credit reports. What 's more, these credit bureaus do n't even consider me a customer. They should charge the potential lenders the fee, not me. If you made this simple change to the laws, then this would cut down on 99 % of the identity theft. Currently, it does n't cost the thieves anything to make unlimited attempts to steal my identity. But if they were forced to pay {$20.00} to attempt to access a credit report, it would cut down that activity significantly.
Product: Credit card

I've always ensured that payments on this account are made on time, avoiding any overdue charges. I'm confused about reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Credit card

On Friday XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my Citi Strata Premier card for a {$820.00} statement credit. The {$820.00} posted to my credit card an hour later. The very next day on XX/XX/year>. I received an email lowering my credit limit from {$6200.00} to {$5100.00} wiping away the {$820.00} statement credit from my points. The reason explained for what they did is due to me having utilized a high amount on my credit cards by checking with XXXX, but this was in retaliation because I used my points for a statement credit. My points were literally stolen from me and I'd like to sue Citi Bank for the emotional distress.
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

15 U.S.C. Section 602 A. States I have a right to privacy 15 U.S.C. Section 604 A Section 2. States a Consumer Reporting Agency can not furnish a account without my written instructions.

15 U.S.C. 1692 C Companies involved are : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Im being contacted by scammers trying to collect a debt that was previously owed and sent to collections. This debt was settled in or around 2011. I have spoken with legal counsel regarding this matter because another company tried to collect this debt previously but I was told that its basically an ambulance chasing legal business. The one today was XXXX XXXX XXXXXXXX, phone number XXXX. The original call came from XXXX. The gave me case/reference number XXXX. They said it was a debt from Chase Bank and an officer was in process of serving me.
Product: Debt collection

Hi Debt was already paid to a zero balance. Credit file does not reflect debt paid in full.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau and Credit Reporting Agency, I am writing to formally file a complaint against EQUIFAX concerning ongoing inaccuracies in my credit report, which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

In XXXX, I initiated a dispute regarding incorrect information related to ( XXXX  XXXX, XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. Despite providing supporting documentation that substantiated my claim, EQUIFAX responded on XXXX indicating that they would not remove the disputed entry. This decision raises concerns about the agencys adherence to its responsibilities under Section 607 ( b ) of the FCRA, which mandates that consumer reporting agencies must ensure maximum possible accuracy of the information they provide. 
In considering this situation, I would like to highlight the legal principle of estoppel. XXXX prevents a party from asserting a claim or fact that is contrary to a position they have previously taken, particularly if this inconsistency would harm another party who has relied on the original position. In my case, I believe that the actions of EQUIFAX may constitute a form of estoppel, as the agency 's initial acknowledgment of my dispute and the accuracy of my evidence should logically inform their subsequent actions regarding the accuracy of my credit report. 
Moreover, I am concerned about my privacy rights under the Privacy Act of 1974, 5 U.S.C. 
552a. The presence of inaccurate information in my credit report not only misrepresents my financial status but also jeopardizes my ability to secure loans or other financial services. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, may also be infringed, as misleading information could lead to negative repercussions in debt collection processes.

Despite my attempts to resolve this issue directly with EQUIFAX through CERTIFIED MAIL, my concerns remain unaddressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft, Every hospital bill on my reports are fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX are fraud. 
I did not consent. My identity was stolen. 


Please send to all credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity theft is not being taken seriously and was not included in any reporting that XXXX did to early warning services which has made it impossible for me to open a bank account plus it affected the current account I had causing a freeze and they are reporting information to the agency wrongfully and have not responded To any notices sent on behalf of me and the FTC on XX/XX/2018 and also they havent responded to a police report number submitted prior to that on XX/XX/2018 for the fraud committed in my name. 
It went as far as affecting my auto and renters insurance and I received nasty letters from my XXXX XXXX and property insurance company starring they would cancel my insurance because of what XXXX REPORTED. 
Ive called dozens of times to talk to a live rep and each time was put on hold to be told after 20 minutes they couldnt be reached in the security department that I would receive a call back and I never did. 
Then my email was part of my idintity theft and they continued to send emails to me even though I could not access the accounts that had been hacked.
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 


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
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report this morning, I was stunned to find inaccurate accounts listed, with no explanation as to why. I routinely check my report, but this was completely unexpected. I tried refreshing my browser to rule out a technical issue, but the errors persisted. I need the documents I provided to be carefully examined to ensure this never happens again.
Product: Debt collection

I had a collection flagged by XXXX XXXX XXXX from a hospital bill that would be on record until XX/XX/XXXX. I disputed the collection with the collection agency directly due to that medical bill being paid by my insurance and me having no recollection of it outside of that. The collection was then removed and gone from all 3 of the credit bureaus by XX/XX/XXXX. The collection has reappeared by Central Portfolio Control as of XX/XX/XXXX, without me being aware, and is now on record until XX/XX/XXXX. I checked back on my Account with XXXX XXXX XXXX and had came across a settlement offer for the same collection that is being reported by Central Portfolio Control and when I try to look up my account with them I can not find it. I don't understand how this collection is being flagged by one account and reaged while being offered a settlement by XXXX XXXX after I had disputed the collection. This sequence of events feels uncommunicative, indirect, and aggressive.
Product: Credit card

My credit card was charged on XX/XX/2023, for {$870.00} in a home depot store. 
The card was in my possession at that time, and I was not at that store. Citi claims that since the card was used by chip, I am responsible for payment. I checked on public records, and saw that in year 2023, credit card chips can be counterfeit, so I should not be responsible for this unauthorized charge. 
Citi as well gave me the sales receipt with a unknown signature that's not from me, or anyone I know with items I never purchased.
Product: Student loan

I have a {$70000.00} loan with Navient, on which I have been paying for over 10 years. In XX/XX/XXXX, I was diagnosed with XXXX XXXX   XXXX and began XXXX treatment, which continues to this day. I am additonally awaiting word on a XXXX XXXX XXXX, which I hope to get soon. Because of the above, I had to stop working and am XXXX  XXXX. Navient has a XXXX XXXX XXXX form which my doctor completed and he estimates that it will be up to three ( 3 ) years before I can even consider working, and that is contingent on the success of the XXXX. Based on my doctor 's certification of the above facts, another student loan I had with the US Department of Education was discharged. 

I've provide complete documentation to Navient and I feel that they are trying to deny my request ( they did so this week on the grounds that they don't believe that I am XXXX ). Every word of the above is fully documented and I have downloaded the XXXX XXXX  XXXX XXXX form and supporting materials on this site.. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), It states that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report its been over XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Money transfer, virtual currency, or money service

I posted a dining table for sale on XXXX, XXXX XXXX. I was contacted via email and asked to text reply. There were 2 phone numbers from which I received/sent texts : ( XXXX ) XXXX and ( XXXX ) XXXX. The person bought the table and paid with a cashier 's check. I deposited it to my USAA bank account as listed above, and waited 24 hours, although my bank said the money was available immediately. The person wrote the check for {$1600.00} in excess of the cost of the table and asked me to pay movers to send it. They asked me to send money to the movers via XXXX. I had never used XXXX. I sent {$1000.00} via XXXX XXXX through my bank, USAA ) on XX/XX/21 to XXXX ( my account was limited to $ XXXX ) and then I sent {$600.00} via XXXX on XX/XX/21 to XXXX, for a total of {$1600.00}. I then noticed that the cashier 's check had bounced. I contacted my bank and was told that the cashier 's check was counterfeit. I did not know such a thing was possible. My bank ( USAA ) said they would inform XXXX and the recipient 's bank. About 10 days later USAA said the recipient 's bank declined to return my funds. I got a letter stating that the recipient 's bank account was frozen, and that per XXXX policy I need to work it out myself with the recipient. This is not possible with a criminal. I called my bank back and pointed out that XXXX policy forbids use of the service for illegal activities including fraud or scam, but my bank declined to take further action. I requested a copy of the info provided to XXXX and the recipients bank, so that I could be sure that they were informed of the fraud, but USAA never provided it. I also contacted XXXX, and XXXX had no information that USAA had ever tried to contact them, which is suspicious. I have not received a refund of my defrauded {$1600.00}, although I filed a complaint with my bank and I asked to speak with a XXXX. I called them 3 times. I have the scammer 's name, email, phone numbers, and counterfeit check, as well as the XXXX and USA transaction numbers, and the report of the frozen bank account of the recipient. I am hoping someone can help to refund my money. It is disturbing that there is NO policing of the XXXX wire transfer service by banks or XXXX. I have been a USAA member for 28 years.
Product: Checking or savings account

Wells Fargo Bank Account holder in the XXXX. They charged me excessive overdraft fees
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) 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- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I HAVE ATTEMPTED TO CONTACT XXXX XXXX AFTER RECEIVING SEVERAL PHONE CALLS. I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND I BELIEVE IT TO BE FRAUD! I HAVE BEEN BACK AND FORTH WITH THIS COMPANY AND THE CREDIT REPORTING AGENCY! 
i HAVE DONE SOME RESEARCH AND I BELIEVE THAT THIS IS A SCAM!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX bank # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX bank XXXX XXXX # XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX 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.
Product: Credit card

This is a follow up to the complaint XXXX The letter advised I would get XXXX points on rewards with shop through Chase, however I only got the XXXX points associated with XXXX sign up, I DID NOT get the XXXX with my XXXX  XXXX  purchase i made through shop through chase. 

I am sure the rep that called me mixed up, I am due XXXX XXXX points, ( the XXXX associated with XXXX ), I did not get the XXXX associated with XXXX XXXX 

Can you rectify the mistake?
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

This is with U.S. Bank Branch and I have been disputing ID Thief and Fraud with U.S. Bank since I first became aware of it in XXXX 

Please see attachments and that will summarize everything. 

CFPB complaint word doc is the complaint and will explain the case and will reference Attachment A and Attachment B ( 3 Parts ) Please read carefully to understand my situation and frustration. 

A XXXX Is attachment A B Attachment are supporting files. It's in 3 parts b/c it was too big for 1 upload