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

Commenity New York and Company Bank Card. On XX/XX/2021 my balance was XXXX. I made that payment bringing my balance to XXXX. On XX/XX/2021 I was charged interest of {$1.00} and then on XX/XX/2021 I was charged a late of XXXX. I was not aware that these charges were occuring as again the XXXX paid the balance off. I called the company requesting to have those late fees waived and the representative haggled me and tried to negotiate, but was unwilling to waive all of the fees. They have been charging me XXXX finance charges and late fees for four months. This has also been reported to the credit as if I'm late on paying for services/credit obtained by them. All of this for a XXXX finance charge AFTER I had paid the account to a XXXX balance.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, and XXXX refuse to update two accounts to my credit profile as a authorized user. 

And also their point gouging me taking a stream amount of points away from me. 

They refuse to add XXXX XXXX XXXX credit card ending in XXXX to my credit profile and also XXXX  XXXX. 

The company 's XXXX XXXX and XXXX 's state that they are reporting to my credit bureaus all three but none of the credit bureaus are reporting to update my credit profile.
Product: Credit card or prepaid card

I went to Rooms to Go back in XXXX and was approved for a 55 month 0 % offer for furniture purchase with Synchrony Bank. I purchased around {$4700.00} on the card. About a couple of weeks into the offer about {$2500.00} was rolled into my card which I called to dispute. They told me not to pay anything during the dispute and to wait for a new account to be created. My account is on auto pay so everything should have been charged and no missed payment was made expect only a delayed while they were updating accounts during the initial dispute. 

When they created the new account they somehow rolled a portion of the amount ( about half ) into a 29.9 % interest instead of the initial offer I had been approved for. Im not sure if this is something they are doing repeatedly to get away with changing the rate on people but this seems like a fraud. I called them and ask for them to please fix my account to the agreed interest and to refund me the interest they have been charging since they updated the account to wrong interest rate. After about 2hrs with them on a call and going back and forth they told me they would fix it. Its been 3 weeks since the call and nothing has changed in my account. They are still charging me the higher interest rate. I have the receipt for the original offer and need this to be fixed as the new rate is costing me way more money then what was initially agreed to. I would have never purchased the items at the current rate.
Product: Credit reporting or other personal consumer reports

Within the FCRA, I have compiled a list that these accounts go against. 
15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. States that a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 1681c. ( A ) ( 5 ) This section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other item of information other than records of convictions of crimes which antedates the report by more than seven years.

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.

These inaccuracies are stopping me from getting a new car or even applying for a mortgage for my family.

Thank you in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date XX/XX/2020 ; XXXX/XXXX  Inquiry Date XX/XX/2020 ; XXXX/XXXX  Inquiry Date XX/XX/2020 ; XXXX/XXXX  Inquiry Date XX/XX/2020 ;
Product: Money transfer, virtual currency, or money service

Commencing on XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX and XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to the fraudsters.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX . T  XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX ,  XX/XX/XXXX , XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XX/XX/XXXX ,  XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .  XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX .  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .  XX/XX/XXXX   XXXX   XX/XX/XXXX .  XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX .  XXXX   XX/XX/XXXX ,  XX/XX/XXXX , XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX .  XXXX   XX/XX/XXXX .   XXXX   XXXX   XXXX    XX/XX/XXXX .  XXXX  XX/XX/XXXX .   XXXX   XXXX   XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX   XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX . This company, which I hold no contract with nor have received services from reported inquiries against my ssn with TransUnion,  XXXX , and   XXXX    credit reporting agencies. I have requested verification of the accounts, however the businesses failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to have these hard inquiries. I demand the businesses remove the negative report against my ssn at any credit reporting agency, including but not limited to TransUnion,  XXXX , and  XXXX . In addition, the businesses agrees to have no contact in any form with me regarding these accounts now or in the future. They agree to remove my personal information from all accounts in The companies database. I had a problem with these a while back they was deleted and due to TransUnion and  XXXX  glitch in the system they were added back on my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I have contacted TransUnion and   XXXX   in good faith to ask them to delete the inquiries that they had illegally readded. These inquiries are adding a hardship on my credit and I feel my rights were violated by TransUnion and  XXXX  I wish that TransUnion and  XXXX  would stop victimizing me. As a resolution I wish that all of my inquiries be deleted permanently from my report as a violation took place when they were illegally added.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousnessXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my 2nd attempt to get this matter resolved. I've submitted my previous letter to 3 credit bureaus. I have no clue what in the world the credit bureaus trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with by them. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to to correct the late open and delete the fraud items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the late open XXXX XXXX XXXX - be corrected and the following frauditems be removed from my credit file : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - late open account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$21000.00} ; XXXX XXXX Balance Owed : {$1100.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Bankruptcy XXXX Liability {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  Bankruptcy XXXX Liability {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX INDE XX/XX/2022 XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CO XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$21000.00} ; XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX Bankruptcy XXXX Liability {$0.00} ; XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent XXXX XXXX XXXX Account # : XXXX and 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: Mortgage

We were approved for a Repayment Plan in XXXX and sent the Acceptance Form on XXXX/XXXX/15. Our first payment was due on XXXX/XXXX/15 in the amount of {$1000.00} which we paid on XXXX/XXXX/15 via payment over the phone with a Chase Bank representative. We made the 2nd payment of {$1200.00} on XXXX/XXXX/15. On XXXX XXXX, 2015 we received an Acceleration Warning XXXX Notice of Intent to Foreclose XXXX letter in the mail. I contacted Chase and they stated that they Repayment Plan had been canceled as they had not received the Acceptance Form. I advised that we did sign that and fax it back to them. They stated that there was nothing that they could do and I would have to apply again. I requested to speak with a Supervisor, at this point I was transfered to XXXX XXXX who went over the same information with me and stated that she would see if they could reopen the Repayment Plan and asked me to fax the form that I had signed and sent to them in XXXX XXXX I refaxed this to them on XXXX/XXXX/15 ). I then received a call from XXXX on XXXX/XXXX/15 stating that she had discussed this with the managment in charge of the repayment plan and they stated that it could not be reopened and that we would need to go through the process again. XXXX also stated that the Acceptance Form that I had sent back was not the document that they were looking for, I advised her that this is the only document that I received that had to be sent back and had made the first 2 payments and when I made these payments via phone with their representatives nobody told me that they were missing another form. Obviously if I was making the payments I would have sent the document that they wanted back, therefore I must not have received it. I asked if I could have a copy of the document that was supposed to be signed and sent back. I was told that I could not have a copy of it. How can I validate that I did or did not receive the document if I do not know what it looks like??? I was asked if she could have her Manager call me back and I was advised that Managers do not call customer 's back and that I would have to be transferred to the Executive office ( I have talked with someone in the executive office in the past and they were not helpful at all ). They always place the duty onto someone else and it is a vicious cycle.
Product: Debt collection

I have disputed this debt with all the credit bureaus as well as a direct dispute to the collection agency via certified mail. They have never responded to my dispute and they have allegedly verified this debt as reporting 100 % accurate to the credit bureaus. I have disputed the balance multiple times with the bureaus and they verified it. I do not agree. I have asked them for the original contract to see if they are legally allowed to add the absorbent collection fees they have added. And they never responded to my dispute with in 30 days as required by law. In the past they have called and harassed my grandparents to try to get a hold of me. I am fed up with this company. This is my last step before i turn this over to my consumer protection attorney to file suit against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian wouldnt give me my free credit report yet they report inaccurate information on my reportThe information listed on my report is unknown. Its stopping me from having a place to live. XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT XXXX ACCOUNT XXXX XXXX ARE IN VIOLATION OF MY HIPPA RIGHTS UNKNOWN INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Sophisticated Phishing Scam Beware XXXX XXXXXXXX XXXX and/or XXXXXXXX XXXX XXXX XXXX XX/XX/2020 we co-signed a college student loan for a very responsible young man, the son of close friends. We have known this man 's parents since before he was born. In XXXX we received letter from XXXX XXXX XXXX in XXXX AZ confirming " per our request '' that the account was paid in full. The letter directed us to a website XXXX and a phone # XXXX. Neither of these are legitimate. XXXX XXXX XXXX is not the servicer of the loan. Our student has consistently made all his payments but there is a considerable outstanding balance on the loan. This letter is a phishing scam to lure us into responding.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Act this creditor has violated my right under 15 USC 1681 section 602 has the right to privacy 15 USC 1681 section 604 a section 2 consumer reporting agency can not furnish an account without my written instruction. under 15 USC 1666 b a creditor may not treat a payment account under open consumer plan as late. Please remove this inaccurate fraudulent reporting.
Product: Debt collection

I visited the emergency room at XXXX XXXX XXXX XXXX, incurring a bill w/them & the ER " doctor ''. Could 've sued for malpractice. Would have died if I 'd followed doctor 's advice & so walked out. REFUSED to pay the bill. XXXX has sent debt to numerous collectors, all who call, I send letter saying cease/desist, it gets sold to another collection agent. This has gotten OLD. Tonight 's call from Southern Credit Adjusters needs to be the last one. They need to take it off my credit ; it should be illegal for them to pursue me for this debt. Services were NOT rendered because I refused them - if I had accepted them, I '' d be dead.
Product: Checking or savings account

Citizens Bank on numerous occasions have charged me overdraft fees when I've put money to cover transactions before they are posted and failed to refund me. Always an excuse about transaction order and other things even when I remain positive on my account for days afterwards and the only thing that would cause me to be negative are overdraft fees. I've had my card stolen and they have a XXXX liability policy and they have failed to refund me my money. I've opened disputes about items not received and they close the disputes without any notice and reverse the provisional credit on the last day to XXXX  overdraft and pay more fees. Their customer service is horrible. I'm charged for unauthorized transactions and they set it up to make sure you endure fees. I have dates and information as well.
Product: Student loan

My loans were with Navient and were bought out by Aidvantage. Every single time I have contacted Aidvantage in the past month I have been told completely different answers for my repayment plan options and issues. EVERY SINGLE CALL. I was told I was approved and the application was processed only to be notified via email that I was denied and now owe 3x the amount originally told on a monthly basis within 24 hours. I was also told that a family of XXXX with XXXX only XXXX spouse working, both adults bearing student loan debt, making only {$64000.00} with XXXX kids, a mortgage, and XXXX car payments aren't poor enough to qualify for income driven repayment plan. How is that even possible when we barely make ends meet, especially now with inflation and gas prices. The supervisor was absolutely zero help whatsoever and said the misinformation I kept receiving by EVERY agent I have spoken to is " unfortunate '' and those agents will need more training. Thats it! Apparently it's OK for them to tell you you're approved at a lower payment amount and that there are zero consequences when that information is completely and utterly wrong. Consumers rely on information given to them as accurate and truthful, yet there are no consequences or recourse for when that information is a fraudulent statement!!!! This company is an absolutely atrocity!
Product: Credit card

I just opened a new credit card with Bank of America. I opened the card with a XXXX XXXX  APR for 18 months promotion and made some balance transfers from other cards to better pay off that debt. I carefully budgeted out how much to transfer based on a {$400.00} per month fixed autopayment so that I would not be charged with interest at the end of my promotional period. When I went to set up my autopayment, I was only allowed to set up a minimum payment balance OR paying off the full statement. I called customer service, and they informed me that a couple months ago, Bank of America stopped letting all customers make autopayments at a fixed amount. Fixed monthly payments are standard at all the other financial institutions I work with ( XXXX, XXXX, XXXX XXXX ). It's clearly not a technical problem on their end, as they offered this service so recently that their own description of payment amount options on their website still includes the fixed amount option. 

This appears to be a blatant attempt to charge customers more interest by denying them the ability to pay off more than the minimum amount each month via autopay.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern about the multiple violations that I have noticed on my consumer credit report, which have been caused by your agency. My understanding of FCRA 15 U.S. Code 1681n, I am entitled to monetary compensation for the damages caused by these violations.

Upon reviewing my credit report, I noticed that your agency has furnished reports in connection with credit or insurance transactions that were not initiated by me. According to the FCRA, this can only be done if I have given you authorization to do so. Since I have not authorized any such transactions, it is clear that your agency is in violation of the law.

I have already contacted the creditor who is reporting this information and waiting on their agreement to delete the information from my credit report. However, I would like to ensure that your agency also removes this inaccurate information from my credit report.

Furthermore, I would like to remind you of FCRA 15 U.S Code 1681n ( b ), which states that a natural person can be held liable for obtaining a consumer report under false pretenses or knowingly without a permissible purpose. This can result in actual damages sustained by the consumer, which can be a minimum of {$1000.00}, whichever is greater. The court may also allow punitive damages.

I did not initiate any of the inquiries that appear on my credit report. Therefore, I request that you send me copies of my written signature that give consent to this matter. In the absence of such evidence, I demand that you take immediate action to rectify the damages that have been caused to my credit score and remove all inaccurate information from my credit report.

Finally, I would like to inform you that if this is not resolved, I am prepared to send this letter to the Compliant portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ). I look forward to hearing from you soon regarding this matter. 

These are the inquiries on my credit report that I don't recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/2023 I sent 2 money orders that I purchased thru my checking account with chase bank. One for ( XXXX ) XXXX XXXX, and the other one for ( XXXX ) I sent them thru the mailbox, days later my landlord reached out to me and adviced that he has not received the rent money, therefore I went to the bank and asked for help and they opened and investigation to help get this resolve, they found out that someone stole it and cash it, I sent over all documentation that they asked for, for the past 6 months they have been asking me for multiple documents even the ones that I previously sent them. I received a letter yesterday requesting more information and they want a picture of the money order that was stolen, I asked the representative how is this possible if the money order was stolen, I submitted this claim on XX/XX/2023, 6 months later and I have yet get any resolution from chase bank.