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

I have an Apple card that was hacked on XX/XX/XXXX in the middle of the night there were the below charges to my card. 
XXXX {$950.00} XXXX {$39.00} x2 XXXX XXXX {$500.00} x3 XXXX {$950.00} XXXX XXXX  {$240.00} XXXX {$24.00} XXXX {$29.00} x5 In the morning I work up to an alert on my phone that Apple had declined some attempts to use my card that look fraudulent. I call Goldman Sacks right away and reviewed all of the charges above and confirmed they were all fraudulent. Goldman Sacks looked into this and reverse all of the charges that did go thru. 

On XX/XX/XXXX the XXXX charge of {$950.00} went back on my card. I reported it again, Goldman Sacks reversed and looked into the issue. Keep in my this was the first charge on the night my card was hacked and then the series of other attempts happened right after that first one. 

On XX/XX/XXXX I see that the charge was put back on my card. I call immediately and disputed. On XX/XX/XXXX I received and email from Goldman Sachs that this card was resolved in my favor and has been perinatally removed from my card. 

Sometime in XX/XX/XXXX this {$950.00} charge showed up on my balance again. I called into customer service and reported it and told the story and gave all the timelines of the night I was hacked. I asked if this could be escalated as I was not please that this was put back on my balance again. I have been call at least once a week asking why this has not been removed and no one calls me back with resolution. 

I am very concerned, due to the fact that I have an impecable credit score with a 100 % on time history in payments. I am getting emails that my balance is past due. This in no way should be reported to any credit bureau and effect my credit standing. 

Please help in resolving this with Goldman Sacks as I can not get them to return my call. 

Thank you in advance for your time and attention to this email. 
XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/year> I was contacted through, personal email, concerning a debt for my parents company. I am no long an employee with them and have no ties to the company. The debt was for XXXX XXXX XXXX. Included in the email was the amount, the reason, how to pay the debt, and threats of legal action against me and them. I let the collector know that I was filling a formal complaint and let the law firm they where claiming to be represented by know of the issue. The company has been harassed by the Debt collector for months, and it appears this was a predatory attempt to get them to pay the debt.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX Monday - Thursday : XXXX - XXXX They keep calling my phone Its harassment I have no knowledge of this account
Product: Debt collection

I am making a collection complaint from XXXX XXXX I was with that company I had to pay what I use they should not charge me more payments this company is taking advantage of my mother is out of the country if it is true she has the cell phone with her from XXXX XXXX  I am not going to pay an additional charge of {$1200.00} with XXXX XXXX  for helping me
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$26000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the items that are UNKNOWN to me. Ive already included them in my previous Complaint & I am including them again., Please investigate these items that are misleading : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Hello there - My payments have been mostly steady over time ; I chalked up minor fluctuations in the minimum payment to be the consequence of my own tendency to pay different amounts toward my student loans each month ; some months, I had an extra {$20.00} or {$40.00} to put toward the loans, so I did. I have only ever paid more than the amount due, be it {$2.00} or {$50.00}. I assumed this was why my minimum payments occasionally jumped by {$10.00} or {$15.00}. I did n't think much of it. 

However, upon logging in to make my payment this XX/XX/XXXX, I saw a {$100.00} spike. After conferring with a friend, I discovered that I was required to re-certify my income in order to maintain my current repayment plan. But FedLoan Servicing had 'notified ' me by sending a message to my account on their website, a small and unnoticeable section of a portal I use exclusively to make payments. It was akin to posting a sticky note on the community bulletin board in XX/XX/2017 - not only does no XXXX use bulletin boards, but a small sticky note posted among the decade-old XXXX newsletter felt deliberately deceitful. 

Now the interest has capitalized and I 'll suffer the consequences of XXXX 's failure to notify me of the need to recertify. It was either a lazy attempt to notify me or deliberately deceitful. XXXX is too weak an adjective to describe FedLoan servicing 's failures. Would it have been so difficult to send an automated email regarding this? An automated follow up?
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX  XXXX XXXX Balance : {$280.00} XXXX  XXXX XXXX Balance : {$570.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}.
Product: Credit card

Made major purchase through XXXX XXXX  on their promotional offer of XXXX percent for 36 months. There website calculator said the payment would be XXXX per month. 
Citi bank send monthly state requesting XXXX minimum payment for this purchase. 
I contacted. Citi bank and they said all they could do was forward the complaint but said they don't recognize tractor supply calculations and can't promise the charges would be corrected. 
The citi bank rep went to XXXX XXXX website and used their calculator and confirmed what I had told them.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XX/XX/year>. However they are reporting this late payment is inaccurate. I sent a letter to fix this problem but I haven't seen any updates. 

I also sent a letter asking them to provide me a Description of how they verify how this late payment is accurate. But they did not, This is a violation of my federal right. Can you help with this matter. Thank You I sent a certified letter on XX/XX/year> with a letter my rental agreement, social security card and a bill. tracking number is XXXX XXXX XXXX XXXX XXXX XXXX from USPS.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, the unauthorized credit inquiry is STILL on my XXXX report. 

A resolution package dated XX/XX/XXXX stated that the unauthorized inquiry would be removed " within 30 days and will not appear to any creditor requesting a credit report from a credit bureau '' This inquiry still shows up on XXXX XXXX as well.
Product: Credit reporting or other personal consumer reports

Sun Loan Company # XXXX Account Number - XXXX 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. 

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, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXXXXXX XXXX Date of Inquiry XX/XX/2023XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX  Date of Inquiry XX/XX/202XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2023XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date XXXX XXXX XX/XX/2023, XXXX XXXX Date of XXXX XX/XX/2023, XXXXXXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023XXXX XXXX  Date of Inquiry XX/XX/2023 & XXXX XXXXXXXX XXXX  Date XXXX XXXX XX/XX/2023.
Product: Checking or savings account

UFB Direct - Online Financial Institution. The interest rate on my money market account does not appear to be calculating correctly. The APY promised is 5.25 %. When I contacted customer service today ( XX/XX/year> ) they indicated the calculation of interest should be based on an APR of 5.12 %. 

To calculate my interest I multiply the end-of-month balance by 5.25 %, divide that number by 365 ( days ) and multiply that number by the # of days in the month. Example : {$10000.00} end of month balance- XX/XX/XXXX. {$10000.00} X .0525 , % 365, X 31 days ( XXXX ) = {$44.00} interest for XXXX. 

I have been told many times by customer service that I should be multiplying the {$10000.00} by .0512. I do not believe this is correct and will never yield an annual percentage of 5.25. 

Do you concur with UFB Direct or my calculation? If I am incorrect, I do apologize and withdraw my complaint. However, If I am correct, I am concerned that this may be a systemic problem and other consumers utilizing this financial institution my also have their interest calculated incorrectly. 

Please help- Thank you!
Product: Credit card

American Express XXXX XXXX XXXX account closed, and XXXX Membership Rewards Points not transferred ( deleted )
Product: Debt collection

I have reported and been working with the federal trade for identity theft. This debt originated from XXXX XXXX  XXXX it states however XXXX XXXX took over and now buffaloe & vallejo. I do not know who opened this account when or why it was opened. Also it is under the last name XXXX which I have not had since 2013. I have contacted XXXX XXXX  XXXX, they state that its handed off to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX they diverted me to buffaloe & vallejo which I asked to provide all documentation on this account and they were hateful and failed to do so. Now I have been served a civil warrant which I am XXXX!
Product: Payday loan, title loan, or personal loan

Star loans is harassing me and my husband about a payment, we have told them we do not have it but will try to pay what we can, they are refusing to take a payment unless it's the amount {$260.00}. we signed collateral to them an XXXX, we asked if they would take that and they refused saying " we don't want your stuff we want our money '' they threatened to take us to court for " theft '' even tho we have been making payments, we're just late and struggling to keep food on our table. They have no remorse no consideration, they only want money in cash. Everytime my husband speaks to the two lady 's they are VERY rude rasing their voices and trying to provoke him, they do not let him talk or get a word in they talk to him like he has no sense at all. I hope they don't treat all their customers like that.
Product: Credit card

Wells Fargo solicited me for a new Wells Fargo Cash Wise Credit Visa Card, indicating an interest APR of 13.24 % - 25.24 %. Since I am an existing Wells Fargo mortgage customer, and previously maintained a Wells Fargo credit card ( responsibly maintained and seldom used, so it was cancelled in XXXX by Wells Fargo, with an interest rate of 15 % APR ), I opted to apply for the new card. I was immediately approved for a {$10000.00} credit line. However, when I received my card, the established interest rate was incredibly high at 21.24 %. My XXXX score at the time of approval was XXXX, and now is above XXXX, which I though was very good. Wells Fargo indicates that the credit card interest rate is determined upon creditworthiness. I 'm outraged at the deception by Wells Fargo to " bait and switch '' a customer thinking that a very good XXXX score would receive the lowest interest rate. I assumed the worst interest rate I could have received was 15 %, based on my previously unused Wells Fargo credit card. This is Wells Fargo at their worst, to price gouge and deceptively cheat customers by generating exorbitant fees. Their unfair practices must stop. I 've filed a complaint with Wells Fargo Customer Service XXXX XXXX, reference number : XXXX on XXXX/XXXX/XXXX. Thank you for your continue protection of the consumer!! 

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

XXXX XXXX-Someone got ta a card in my name XX/XX/2021 XXXX XXXX Did the exact samething on these two dates
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is completely violating my consumer rights I have been nothing but a loyal customer. To have this type of mistake on my report is damaging my life. An investigation was completed but proof ever rendered only a statement? Under the FCRA 15 USC 1666B ( a ) it states : ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date./ When no proof of late or missed payment can be verified XXXX XXXX is in violation of my consumer rights. As you are directed to have reasonable procedures
Product: Checking or savings account

Truist complaint In XXXX I opened a safety deposit box with BB & T bank ( now Truist ) in XXXX XXXX. The same year I returned the keys to the employee and expressed my desire to close the safety deposit box. The employee said they would take care of the issue. The box was never closed and when I asked the bank to close it I was told I needed to return the keys. I explained that I had already given them to the bank employee. Unbeknownst to me the employee had left BB & T bank by that time. Over the years I brought the issue up to multiple managers and employees and kept letting the run around. I was charged {$58.00} every year for said box. Im XXXX ( right before XXXX ) I again spoke with a manager at this branch. The manager agreed to drill the box and if it is empty we can refund your money. When I tried to schedule a time to do this I was told because of Covid it could not be done. At some point BB & T became Truist but nothing changed. I was still being charged and still getting the run around. Finally in XXXX they agreed to stop charging me and refunded me {$58.00} dollars for that year but did not refund for the previous years. This amounted to approximately {$580.00}. When I again inquired I was told they had to send away for records. Nothing was done. Today I spent two hours on the phone with Truist costumer service. They also spoke with the manager at the XXXXXXXX XXXX branch about the issue ( they had recently closed the XXXX branch ). The manager refused to refund the money that was taken from my account. I was told they would not do anything to remedy the situation. I received a letter from XXXX XXXX, Assistant VP for Client Resolutions Truist Bank dated XX/XX/XXXX in regard to the CFPB complaint case number XXXX. In the letter XXXX XXXX states that they are unable to research the matter as they do not keep records of accounts past 10 years. Although she admits in the letter that on XX/XX/XXXX I visited the branch in regard to the matter and still nothing was resolved. Here she freely admits that nothing was done at least as far back as XXXX. Any refund was flatly denied by Truist even with the knowledge that there was an issue due to their employees negligence.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This letter is a formal complaint that you are reporting inaccurate credit information on my report. By reporting this information, you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 


The items below I have disputed and none of the data furnishers have provided me any scope of the " so-called '' investigations as required by 1681s-2 ( b ) and it has already passed the legal time from of 30 days to do so. ] had disputed several items that do not belong to me to Transunion, XXXX, and XXXX and I also included all proper and required identification such as my drivers license, social security card, and proof of address and yet the bureaus have been using " stall tactics '' to delay my disputes and or not give me the proper fairness of the FCRA. On XX/XX/XXXX the bureaus sent me a letter requesting that I send them my social, drivers license, and proof of address saying that they " Can not " help me but I know this is just a stall tactic they are using because I have proof and transmission receipts from CFPB including my drivers license, my social security card, and my proof of address VIOLATIONS OF CREDITORS & TRANSUNION, XXXX & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report.

VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have Records of my proper identification. 


CREDITORS AND ACCOUNTS TO BE REMOVED : 1. The following personal information is incorrect Employers : XXXX XXXX XXXX 2. XXXX XXXX  Date of inquiry : XX/XX/2022 I have no recollection of authorizing this credit pull and I demand this to be removed. 

3. XXXX XXXX XXXX Date of inquiry :XX/XX/2022 I have no recollection of authorizing this credit pull and I demand this to be removed. 

4. XXXX XXXX  Date of inquiry : XX/XX/2022 I have no recollection of authorizing this credit pull and I demand this to be removed. 

5. XXXX XXXX Date of inquiry : XX/XX/2022 I have no recollection of authorizing this credit pull and I demand this to be removed. 

6. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 


Please remove this account from my credit report immediately. It has caused quite bit of damage and forward me an updated credit report after you have completed your Investigation and corrections. 

Thank you for your time and help in this matter. 



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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX  XXXX-XXXX-Balance {$14000.00} XXXX/XXXX XXXX XXXX-Balance {$0.00} ( Original Creditor : XXXX XXXX ) -XXXX-Balance {$640.00}
Product: Credit reporting

I had my inquiries removed off of my Credit report and when I checked my credit report today they were back on there.