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

I received an email of my bill on my Amazon Card ending in XXXX and saw that there was a charge of {$1600.00}. Thinking that it was a fraudulent I called on XXXX XXXX, XXXX to the fraudulent dept. I spoke to the fraudulent dept. and canceled the card XXXX and received a new and current card XXXX. At the time, talking with the fraudulent person who opened a fraudulent investigation and issuing me a new card and canceling the old card, they did not once open my account to see why, what, or where {$1600.00} was charged on the XXXX card because they never asked me. They just opened an investigation and issued me a new card and canceled the old one. 
I have many CC 's and have never heard of this practice before because I've never had such a card before. I understand it's my fault for not reading the fine lines but instead I assumed that it was % 0 interest for 24 months and that the interest would be collected on the remaining balance after the promotion ends. I didn't find out that the charge of {$1600.00} was accrued interest until XX/XX/XXXX because I know it takes about 2 to 3 billing cycles for a fraud investigation to be completed and because I've had many of my CC # 's stolen before and every time the persons I speak too from different banks, actually opened my account, look, and ask me if I made the charges at this or that location, time, or date. The person that I spoke too at the Synchrony Bank fraudulent dept. did not, so I assumed it must have been fraud. If they had actually opened my account to see if it was a fraudulent or not and had the same procedures as the other banks and CC companies have as described above, then they could have informed me that it was accrued interest and not fraud and I would have paid the remaining balance right there and then to avoid this ridiculous interest and that would have been within your 30 day grace period. I've been more than responsible making payments on your card for more than 2 years and no one can help me with this deceptive and misleading promotion. I spoke to many people on XX/XX/XXXX and also 3 managers who has said they could not do anything and kept repeating the same thing over and over to me, which was very frustrating. No one could or knew who to transfer me too that could actually help me.
Product: Credit reporting or other personal consumer reports

I am formally disputing erroneous and inconsistent information on my credit report related to the XXXX XXXX  and XXXX XXXX XXXX accounts. These accounts contain blatant errors that violate XXXX XXXX standards and constitute a failure to meet the requirements of the Fair Credit Reporting Act ( FCRA ) 1681s-2. The inaccuracies are damaging and legally indefensible, and I demand immediate correction or removal of these items. Failure to act within 30 days will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the initiation of legal proceedings for damages under 15 U.S.C. 1681n and 1681o. 
XXXX XXXX  - Account Ending in XXXX XXXX. Inconsistent Reporting Across Bureaus : This account displays incomplete reporting across Equifax, XXXX, and XXXX. XXXX XXXX guidelines mandate that all data furnishers report complete and identical information. The lack of information in Equifax and XXXX significantly misrepresents this account. 
XXXX. Incorrect Late Payment Entry : XXXX shows a XXXX late payment, which is unverified and lacks proper documentation across other bureaus. This discrepancy violates XXXX XXXX requirements for consistent reporting and the FCRAs accuracy mandate. 
XXXX. Erroneous High Balance Reporting : The high balance listed by XXXX conflicts with missing data from Equifax and XXXX. This inconsistency inflates my credit utilization ratio and is a clear breach of XXXX XXXX guidelines for accurate balance reporting. 
XXXX. Failure to Report Essential Details : Crucial fields, such as account number, account type, and status, are either missing or inconsistently reported among the bureaus. This lack of complete data further distorts my credit profile and constitutes noncompliance with XXXX XXXX standard for full and accurate reporting. 
XXXX XXXX XXXX - Account Ending in XXXX XXXX. Irregular Reporting of Account Status : The status is listed inconsistently as " Open '' by each bureau, with differences in the reporting of account details, which directly violates XXXX XXXX standards requiring uniform account status across all reporting agencies. 
XXXX. Non-Uniform Payment Frequency and Mortgage Terms : The mortgage terms, including the monthly payment and payment frequency, are reported differently among the bureaus. XXXX XXXX standards require these fields to be consistent, as any deviation negatively impacts my credit evaluation. 
XXXX. Discrepancy in High Balance Information : The high balance figure varies across Equifax, XXXX, and XXXX. XXXX XXXX compliance requires that high balance data be consistent to ensure that my debt load is evaluated accurately. 
XXXX. Inaccurate Last Payment and Last Activity Dates : The last activity and payment dates differ significantly between the bureaus. XXXX XXXX standards require these dates to be accurately and uniformly reported, and the current discrepancies represent a flagrant violation.
Product: Student loan

XXXX, Direct loans and other companies have constantly caused problems which damaged my credit and has led to filing bankruptcy twice. They have constant sold my loan from one company to the next capitalizing the interest over and over. I never received the interest rate that they promised over the phone. This has been a constant financial burden to me in such that it has caused me severe financial harm. They would ask for paperwork to be sent to them over and over stating they got it but it was lost or claiming I did not send it.
Product: Mortgage

Contact M & T bank last XXXX to tell them the home is being torn down due to its age. Was told to send in documentation. I did so after the house was torn down and insurance was canceled due to there no longer being a home to insure. After XXXX sent the documents showing the insurance was canceled I started to receive letters about them going to force insurance if we didnt place insurance back on the home. I called XXXX, XXXX, XXXX and sent in documents they requested to show the home was no longer there and I couldnt get insurance on just land because there is no insurance that will cover just land with no home or anything. They then still proceed to force insurance on a home that isnt even there. They double our payment due to the insurance being 3 times as high as what we paid when there was a home there. I have been unable to get the forced insurance removed even when showing city documents that the home is gone and no water, electricity, sewer is all closed off and capped per the city. Even tried to send pictures of the property showing you cant have insurance on a home that isnt even there its only land. How are they forcing insurance on a home for XXXX if there is no home? I was told they didnt care over the phone and they could force insurance even though there is no home there. Our payment has over doubled due to this. I can provide the others dates of documentation was sent in if you need.
Product: Credit card

I received 4 emails early this morning through XXXX that {$450.00} was charged to my Paypal account for XXXX. 
The transaction ID : XXXX and the contact email is XXXX on the first 2 emails phishing emails and from XXXX XXXX XXXX XXXX XXXX for the 3rd and 4th email. 

My actual PayPal account history does not show this charge of {$450.00} on my account. 

This phishing email is very similar to a phishing episode I reported on XXXX on XXXX XXXX ID : XXXX Once again, unfortunately, I clicked on the first email to see what the charge was. I did this due to having an unauthorized charge on XXXX put on a now inactive credit card. I reacted too quickly.
Product: Vehicle loan or lease

As of XX/XX/XXXX the vehicle was totaled by the insured driver of the vehicle. I was not a driver of the vehicle and I did not sign on the loan of this vehicle. My social security and information was used for this vehicle by a relative who was not authorized. When I was contacting the vehicle lender in the following months up until XX/XX/XXXX they concluded that I had full financial responsibility regardless if I did not authorize the driver to take out this loan. I was then given limited time to pay the back payments of the vehicle that was at a total loss. The vehicle was then repossessed in XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account identity theft XXXX XXXX XXXXl Open  XX/XX/18 Amount XXXX Account number XXXX
Product: Debt collection

I looked over my consumer credit report with XXXX, XXXX, and XXXX. they all have this JARED GALLERIA / XXXX account on my consumer credit report however each bureau is reporting on my consumer credit report differently with each credit bureau I disputed the information with XXXX and XXXX they are reporting false illegal and inaccurate information I would like this account removed, delete, and blocked off my consumer credit report immediately
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and came across unauthorized information reporting. Please remove 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 My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX My only phone number is XXXX XXXX Remove all old addresses Remove all other phone numbers
Product: Debt collection

XXXX XXXX filed a fraudulent insurance claim on my damaged phone back in XX/XX/XXXX i believe and after i switched companies they are trying to charge me XXXX after the fact for a damage phone and already sent me a debt collection letter before even sending my final bill
Product: Debt collection

The company is Transworld Systems in South Carolina. The numbers they call me from are always XXXX area codes. They have been calling for months and months several times per day each week. They always ask for a different person. I asked them multiple times to remove my phone number from their records but they continue to call. I do not have any collections or outstanding debts. They don't ever ask for me. This needs to stop as these people are harrassing me with multiple phone calls. I am on the Do Not Call List but apparently they don't look or care.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. 

I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Prepaid card

Sirs, I have a " way2go '' card from the state of Nevada for unemployment benefits. They have 2 methods of transferring money to my bank account. Via phone and via their website. I have tried both and were charged for the transfers. Both were unsuccessful and the money bounced back to the way2go card. I called my bank and verified that they will accept the transfer and that the routing/account number is correct. I have screenshots of the online transfer if need be.I do not want them to upload the screenshot unless it is secure due to my bank info being visible.There is no way to get a representitive on the phone from way2go. The transfer charge does not get refunded. This is a known issue after doing a XXXX XXXX. They have intentionally made this to inflate fees and restrict money access.
Product: Debt collection

have cleared all balances with XXXX, and they have confirmed that no outstanding balance remains on my account. XXXX is unable to assist further, as they show no balance due. However, the collection company continues to insist that a balance is still owed. When I contacted the collection company, they referred me back to XXXX, and XXXX, in turn, referred me back to the collection company. Neither company has taken responsibility for addressing the issue, leaving me stuck in the middle without a clear resolution. 

There appears to be no effective path to address this collection notice. The collection company has shown complete disregard for resolving the problem, refusing to assist or communicate with XXXX to clarify the matter. Meanwhile, XXXX maintains that there is no balance on my account and nothing left to resolve. 

As a result, I have been left without any resolution. The lack of communication and accountability between these companies has left me stranded, with no way to resolve this issue or dispute the collection notice effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect increase showing on my account when I had a freeze and on my XXXX credit bureaus for the past 6 years! Those inquiries are fraudulently done I am a victim of fraud I sent in several copies of police reports and they still Place those inquiries on my report hard and soft! Also they are showing public records of bankruptcy XXXX XXXX and XXXX which is XXXX XXXX XXXX XXXX XXXX  they told me they going to keep it on there for 10 years when I contacted the consumer they said they never report information to any credit bureaus and also gave me a letter to send to them and spoke with them on the phone and they still keep that public records on my credit report I want them removed they are falsifying in line saying they contacted the bankruptcy courts and they reported the bankruptcy to them which is false information I want my XXXX  XXXX and XXXX removed it's stopping me from purchasing a house as a first time homeowner! I also have accounts on there that's closed out and old with inaccurate information and also have accounts on there that's not even me saying that I'm an authorized user on a credit card I never in my life on the credit card I sent the police reports I'm a government employee at the post office in all of our information had been breached it was on all national news channels everyone knows this ever since then XXXX years ago I've always had a freeze on all three of my credit reports even XXXX XXXX and I don't understand how these accounts are being placed on my credit reports every month some of them you can look and see the dates that is fraudulently done they're back to back please have them to remove this false information on my credit report ASAP they investigated and it's constantly keeps it on there I want this stuff off so my credit score can go up I even have accounts that I paid off and they still reflecting on my credit report! They keeping my XXXX XXXX at a XXXX this is ridiculous someone need to get to these credit bureaus all three of them and stop letting them fraudulently put information on people 's account saying that they getting public information from the vendors when they're not! I want those bankruptcies move both of them!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau has ignored me ... .Consumer inquiry is legitimate and obvious, but credit bureau fails to read adequate and input wrong data. Car Note should be XXXX XXXX XXXX XXXX ... it is referred to this way on all statements. Credit Bureau does not read adequate or report has wrong data. 

Line of Equity 2nd mortgage scheduled payments ... wrongfully categorized as evolving credit. Our home is XXXX XXXX XXXX appraised near 1million by the bank. 

Errors cause higher interest rates on our debt. Is there recourse to recovery from negligent mistakes. These error raise our interest rates. Our effort is to avoid the indebtedness that Credit Bureaus touch.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my accountant vulnerable and unprotected. Furthermore, their 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 have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Re : Account # XXXX Account Number - XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting or other personal consumer reports

Transunion was notified by phone and mail several times to remove : XXXX XXXX XXXX XXXX and failed to delete and block this data despite being notified by me and consumer to do so.
Product: Credit reporting or other personal consumer reports

PLEASE INVESTIGATE THESE ACCOUNTS AND THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate n suspicious things on my report to this day it has been over 45 days without any response received I am being ignored of my rights and is under complete stress caused by this failure to comply section 611 ( a ) clearly states failure to investigate these erroneous items on my credit report within 30 days leads to these items being removed immediately or I will file for litigation due to the emotional scrutiny and discomfort my information was also impacted by the XXXX data breach and TransUnion data breach and may have reached the hands of a fraudulent person
Product: Debt collection

On XX/XX/2020 at XXXX, I called Resurgent Capital Services for a collection account owned by LVNV Funding for an old credit card with XXXX XXXX XXXX . The representative stated that her name was XXXX. We discussed the collection for {$660.00}, and I asked for a settlement amount. She put me on hold and when she returned she advised that she could only give a settlement for {$390.00}, and that would resolve the account and within 30 days it would be removed from my credit reports. So I paid the amount in full of {$390.00}. I received a letter dated XX/XX/2020, showing that I had made a payment and now my remaining balance was {$260.00}. The rep promised that the account was resolved and advised me that I didnt have any other accounts with LVNV Funding. I would like the remaining balance removed and the account deleted as promised.
Product: Credit card or prepaid card

I had a XXXX XXXX card with Comenity Bank. I paid off my account 100 % but then they started charging me a fee because I had a XXXX balance. Then they started charging late fees on those fees even though I spent no money on the card. I request that the card be closed and they confirmed that it was closed but they outright lied. The account is still open and they are continuing to charge late fees on the account. They also directly debited money out of my account multiple times without my authorization at one point causing a overdraft fee. <P/><P/>Related communication below. <P/><P/>From : Comenity BankSent : Wednesday, XX/XX/XXXX XXXX XXXX ( ET ) To : YouSubject : Re : Late Fees or Finance ChargesMessage ID:XXXX Thank you for your recent inquiry to our Customer Care Department . Comenity Bank issues your account and responds to all credit related inquiries. Per your request, I have closed your account. Your current balance is {$21.00} and this information will be provided to the national credit reporting agencies. We will continue to send monthly billing statements on any remaining balance until it is paid in full. Although you requested your account closed, I hope that you will continue to shop with XXXX XXXX XXXX. I value you as a customer and would like to invite you to apply for a new credit card account in the future. Please be informed that the payment of {$7.00} made on XX/XX/XXXX has been applied to the minimum payment of {$7.00} due forXX/XX/XXXX. As the minimum payment due was not received by the scheduled due date the late fee of {$7.00} was assessed to your XXXX XXXX XXXX account. Also be informed that the {$2.00} minimum charge is a finance charge. The finance charge is assessed to the account when you have a carryover balance. The interest charged to the account is calculated on the average daily balance. The only way to avoid the finance charge is to pay the statement balance in full each month. We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. Sincerely, XXXX XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Why am I getting late fees on a XXXX balance? Then did you attempt to debit this late fee on a XXXX balance from my bank account without authorization. I am reporting you to the Consumer Protection organization and the BBB XXXX  : //www.usa.gov/state-consumer/oregon Close this account immediately. From : YouSent : Tuesday, XX/XX/XXXX XXXX XXXX  ( ET ) To : Comenity BankSubject : Late Fees or Finance ChargesMessage ID:XXXX Why am I getting late fees on a XXXX balance? Then did you attempt to debit this late fee on a XXXX balance from my bank account without authorization. I am reporting you to the Consumer Protection organization and the BBB https :  //www.usa.gov/state-consumer/oregon Close this account immediately.
Product: Mortgage

Almost a week ago I started shopping for house. I did some reasearch online and found a house. Quicken loan was the only company that had my SSN and they pulled out my credit. I was done and I said I no longer want to move forward. After two days I saw another inquiry from Credstar/Credco on mu credit account I did not filled any application with them. I think they sold my identity, or something because I have no idea where the credstar/credco came from
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX, I was communicated by two individuals posing as an XXXX and the clients via XXXX and text to deposit fraudulent checks. I sadly did so and was asked to transfer money to XXXX Navy Federal Credit Union accounts. The amount of the fraud checks in total was {$4000.00} ( XXXX of {$500.00} each ). Luckily, NFCU caught on to the fraud checks to stop me depositing them. They did shut down my mobile deposit function in their. However, as another punishment or the individuals themselves are reversing the {$4000.00} and taking my actual hard earned money.
Product: Debt collection

This bill was for a hospital medical emergency service of my child, who has medical insurance.The entity making this claim has failed to properly bill the correct medical insurance with the correct billing information, despite my attempts to ensure proper billing and payment by my insurance. According to my insurance they need to re-bill with the correct information.