23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I opened an a account with tomocredit I paid for a year membership and the account never reported correctly and later was removed lowering my credit scores I ve been over 2 months asking for cancelation and refund I open a ticket and they close it unable to call they don't take phone calls https : //tomocredit.com/dashboard/login
Product: Debt collection

On XX/XX/2019 I contacted First Financial Asset Management to settle a debt that was originally owed to XXXX XXXX. They informed me of the amount that I owed, and after I explained that I have been going through financial hardship recently, they told me that we could settle the debt if I could make a one time payment of {$160.00}. That was more than I could afford, but they assured me that if I paid that plus the {$5.00} processing fee, my debt would be settled and removed from my credit report. I even asked if a payoff would be sent via email after the payment and they said that it would be. I was then transferred after I scraped together almost everything I had at the time to make the two payments. I asked the person taking the payments if I would receive a payoff email and she said that I should along with receipts for my payments. After the call I only received receipts for my payments and I assumed the debt had been settled. The next update to my credit report showed that I still had a balance of {$40.00}. I feel as if I was mislead and tricked into making a payment by this company.
Product: Credit reporting or other personal consumer reports

Time and again I have approached EXPERIAN about its negligence AND NOW, INDIFFERENCE AND FRAUDULENT REPORTING OF INFORMATION. An account WORLD ACCEPTANCE/WORLD FINANCE REPORTED SIX YEARS AGO AT A BALANCE OF {$180.00}. THE ACCOUNT WAS CLOSED AND CHARGED OFF NO ADDITIONAL BALANCE WAS PRESENT FOR THE TERM OF 81 MONTHS EXPERIAN, XXXX, and XXXX all allowed feloniously and fraudulently said company to report monthly an additional balance of XXXXXXXX XXXX XXXX XXXXXXXX XXXX  monthly charged off balance resulting in today the balance being XXXX I disputed this via phone and dispute centers of the companies numerous times them to light of the Erroneously and fraudulently reporting on my credit file to date XXXX, Is the only company that has satisfactory relies their negligence and mistake and remove the company experience continues to modify disputes made investigation as well as had abusive statements to today change the status in history from charged off {$180.00} written off at {$180.00} and a past due amount of XXXX. To date I have asked for investigative details on how the allowance of this fraudulent reporting of occurred balance to a closed account has been allowed, resulting in numerous substantial injuries to my credit credit worthiness and personal and business lives as well. These tactics are abusive felonious fraudulent and deserve to be investigated fully, and the companies held responsible and made liable for my injuries from this abusive long standing injury and misuse of my credit report.
Product: Credit card

I received a letter from Walmart saying my credit card with them had been updated to a MasterCard. At the bottom it stated " If you do not wish to receive your Walmart Mastercard, please call XXXX by XXXX XXXX, 2017 '' I had missed the part reading " do not wish '', thinking it said if the card was not received by XXXX to call them. I called them when it was not received and discovered and realized what the sentence said. I found out it was too late to cancel the card. It will be mailed to me sometime in XXXX. I did not ask for this credit card, and do not want it. I had found it odd to receive this, but let it slide because I was going to cancel it when I received it. I have very good credit, and constantly receive offers in the mail, but this is the first time one is actually going to be mailed to me because I made a mistake in what I read. No other credit offers have done this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

My complaint is that LexisNexis failed to verify inaccurate, incomplete, and irrelevant information before placing it in my consumer file, where it remained for years, causing me harm. Some of the information they reported conflicted with other details in their own reports, such as indicating that my vehicle was totaled while also reporting it as covered under the same policy periods. Furthermore, they continued to report that vehicle as insured for years after they initially marked it as totaled. In reality, the vehicle was never totaled, yet LexisNexis has been reporting this false information since XXXX without proper verification. 

I contacted LexisNexis multiple times during XXXX, XXXX, and XX/XX/XXXX. Despite my repeated requests, they failed to provide a complete disclosure of my file and did not remove all unverifiable information from my record. Although they removed some information from the LexisNexis consumer report, they neglected to do so from the LexisNexis XXXX . report, database, and my entire file. Upon my request for reinvestigation, they reviewed the disputed information and concluded it was unverifiable, yet they still did not remove it from my entire file. I am requesting that LexisNexis remove all inaccurate and unverifiable information from my entire file and that they be held accountable for their willful negligence.
Product: Credit card or prepaid card

Hello! I received a promotion balance transfer check from Chase bank, which provides a XXXX APR period for 12 billing cycles and includes a 5 % fee. I put a balance of {$10000.00} on this check and immediately put an automatic payment schedule on my account for {$1000.00} a month for 10 months. Note, that the minimum payment for this balance for these months was maybe {$40.00} to {$60.00}. 

The problem begins in that this card is an Amazon Prime Visa Card, so I frequently use it for other purchases on Amazon. Most promotional periods enable all sums after the minimum payment to go to your highest interest balance, which in this case was the regular purchases made. None the less to avoid confusion I specifically called Chase to confirm this fact, the very first rep I spoke to said exactly as much. He said that as long as my balance over the minimum meets my purchases they will not incur interest. 

Next month, surprise! An interest charge! Was maybe just a few bucks that month so I called them just to clarify the terms, this time I got a different story. After using the promotional balance transfer offer, purchases made outside of that no longer receive a so called " interest-free '' period, meaning they start to accrue a daily interest balance as soon as the purchase posts, unless you pay off the entire balance in full. So their suggestion was, " don't use the card for anything while the promotion is going ''. 

However, they did inform me that if I made a payment as soon as those purchases post, that would cover the balance, it would not accrue the daily interest. So I did that and ... still an interest charge! 

I called again to get another explanation and I requested further escalation this time. Now I received yet another variation, that the interest is calculated at the end of the month based on the average *purchase* balance throughout the month, which again would suggest that if I paid enough to cover my purchase balances as soon as I make them, I should not pay interest. Or at least if I'm off by a day it should be a pretty small purchase charge.

The APR is variable but has averaged around XXXX APR, calculated at a daily rate. That means that a month should accrue roughly 1.5 % ( 18.74 % / 12 ), on a balance of {$500.00} that's {$7.00}, which is about what I pay. However... I regularly pay off the purchase balance after it posts, if I miss my post date by a few days, that should still only incur maybe .1 % or .15 %, more like XXXX cents to a dollar. 

So the result is, either Chase has been lying about how they actually calculate the interest rate or their system simply doesn't register mid-month payments as contributing to the purchase balance and they continue to accrue daily interest as though you didn't pay them. 

As an aside, Chase XXXX APR promotional payment plans work EXACTLY how you would expect them to and have no affect on purchases outside of the plan.
Product: Debt collection

On XX/XX/year> I had an appointment with the XXXX. I paid {$100.00} at their office. When I got a bill later, I checked the insurance website and there was no XXXX  yet for that visit. I got a bill in XXXX, checked the insurance website again, then paid what the doctor was billing me for ( {$15.00} ), online using my credit card. Now I got a notice from a debt collector ( First Federal Credit Control XXXX ) for this {$15.00}. Less than XXXX months from the original office visit! And the debt has been paid -- all {$15.00} of it!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation and blankly ignoring the laws that they are by law to follow. 
According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 
And They also didnt even record the current status of the disputed information which is another violation. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 as well XXXXXXXX XXXX XXXX - account # XXXXhas violated my rights Cefcu - account # XXXX violated my rights XXXX XXXX XXXX - acct # XXXX violated my rights XXXX XXXX XXXX acct # XXXX violated my rights XXXX XXXX- acct # XXXXhas violated my rights XXXX- acct # XXXXhas violated my rights XXXX - XXXX acct # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. ( clear violated ) 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 I did not give you all any written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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. 
According to the FCRA if after any REINVESTIGATION of any information disputed by the consumer, a item of the investigation appear to be inaccurate, incomplete, or can not be properly verified the consumer agency 's must Delete and remove immediately. 
Please provide me with the following items for each account : *original contract with my original signed signature *Written permission to furnish account on my consumer report *PAY off disclosure *Interest Rate Disclosure *Balance History *Payment History *credit insurance This is the last time I contact you for accurate reporting before I hire a consumer lawyer to assist as well as seek any money for furnishing the account damaging me mentally and emotionally. 

Proof attached
Product: Consumer Loan

My husband took a loan for me XX/XX/XXXX for a reliable vehicle XXXX Prius. He added me as a joint account holder, however due to his loss of job he filed bankruptcy XX/XX/XXXX he had to file bankruptcy on the account. I took over the payments for the vehicle but recently we were in an accident. The car was rear ended and deemed a total loss. The loan did not have GAP insurance included, there is a remaining balance of XXXX after payment from the insurance claim. I have called Toyota Financial on 5 occasions to discuss what would happen to the account because of the Total Loss, each time I called I would get a different scenario. On XXXX occasions I spoke with a representative in Total Loss Department who stated that I was no longer responsible for the balance due to my husband filing bankruptcy on the account in XX/XX/XXXX and that Toyota Financial would not be pursuing me for the balance due. On two other occasions I spoke with Total Loss Department employees again who stated I would be responsible and that they would be contacting me to make payment arrangements, once payment was received from insurance. After the initial conversations with representatives occurred that discussed my not having liability for the balance there were notes placed in the account to deter this information being communicated to me and Customer Service reps started to ask me the nature of the call prior to transferring me to the Total Loss Department. Toyota Financial is the financer and they are demanding full payment within 20 days from the date they received payment from the insurance. This request is unreasonable, and I did not agree to this. There has been not documentation or evidence presented to me showing that this is an agreed or allowable method in collecting payment. Thus far my payments have been timely so there is no reason for me not to continue paying on the balance of the loan. However, paying XXXX off is extremely unrealistic and is causing extreme financial hardship. I am requesting additional time to pay this balance in full, a structured payment agreement. This is not too uncommon in situations with total loss vehicles with balances due, Toyota Financial has not provided proof of any agreement showing where I accepted the terms of Total Loss payoff within 20 days.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

{ XXXX XXXX XXXX {$16000.00} opened XX/XX/year> } { XXXX XXXX XXXX {$890.00} } Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Debt collection

Company sent me a collection letter XXXX XXXX 2017 and when I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the reference number furnished on the letter. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information she hung up in my face. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not doing the best to verify info before report it They still reporting XXXX  XXXX XXXX  account even it is not mine. They claimed that they verified this account with creditor but they did not verify it using my social security number which they fail to make sure they have 100 % an accuracy.
Product: Debt collection

I have a collection from National Credit Systems which I have tried to contact them concerning this multiple times and I have received no response. They are trying to collect on an apartment that lived at, XXXX at XXXX XXXX. The problem is that I was the only person on the lease and the only person that lived there. I was being stalked by a very crazy guy and filed multiple police reports against him and made the apartment complex aware of the situation. I also provided them with copies of the police reports. The apartment complex refused to let me out of my lease or allow me to move to another section. As I was in fear of my life I moved out of the apartment but paid the last months rent so that I would not have a broken lease on my credit report. After giving notice, returned all keys and moving out he broke in one night and completely vandalized the apartment. I have multiple pictures and police reports, his name, screen shot text messages with him saying he did it all the proof proving it was not me, even proof as to where he broke off the back door to get inside the apartment. The front office was aware of who did it but since I was the only person on the lease I got charged. I tried to contact the apartment to make payment arrangements for the damages, even though I do n't feel responsible, but they continued to ignore me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a XXXX dollar 7-day trial. I was then charged XXXX for a 3 score product. I never said yes to this charge or authorized this company to charge me for this product.
Product: Credit reporting or other personal consumer reports

Name, address and all personal information is inaccurate. 
15 USC 1681s-2 please remove all inaccurate information and I have attached copies
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied and was approved for a Capital One Quicksilver credit card, with a promotional offer of 0 % introductory APR for purchases and balance transfers for the first 15 months of the account opening. The terms of this offer are confirmed in the Account Opening Disclosures letter attached. 
However, I received the 0 % APR for purchases, but not for balance transfers. In fact, I am unable to conduct balance transfers at all. 
I called Capital One credit card services on XX/XX/XXXX, and 21 regarding this issue. Each time, the representative said that Capital One is having a technical issue where new customers are not able to access their balance transfer offers and to call back in 24 hours if the problem persists. The problem has not been resolved, and the representatives say there is no estimated date of resolution. They also did not offer any extension on the promotional period for the time lost due to this issue. 
On XX/XX/XXXX, I submitted an online request for the terms & agreements document for this credit card, also attached. According to that document, the APR for balance transfers is now 29.24 % with no introductory rate, completely contradicting the Account Opening Disclosure Letter. 
During the XX/XX/XXXX call, the representative stated that it is possible that Capital One approved my initial application but later changed the terms of my promotional offer due to further findings in my credit report. However, I never received a notice of a new credit decision or an explanation for why my offer terms have been changed. I was also never given the opportunity to decide whether I would like to continue with opening an account under the new terms.

As I stated clearly to the representatives, the main reason I applied for this credit card was for the balance transfer introductory 0 % APR. If this issue is not resolved, I will have to pay interest charges on the balances that I would have transferred to the Quicksilver card.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information is being reported by XXXX XXXX, Equifax, XXXX, and XXXX. 
As of XX/XX/XXXX, there has been no activity. Despite being charged off, this company continues to make bad faith and erroneous reporting of this account to lower my credit score every month. Latest reporting XX/XX/XXXX. In light of this malicious activity, I have been unable to obtain housing in accordance with the Fair Housing Act because of the hardship resulting from it. 

I am looking for an immediate remedy and sanctions against this company and the XXXX XXXX XXXX XXXX for violation of The Fair Credit Reporting Act XXXX. 

Account # : XXXX Account Type : Revolving Account Type - Detail : Credit Card Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$420.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$470.00} {$0.00} {$470.00} XXXX XXXX : {$300.00} {$300.00} {$0.00} Past Due : {$420.00} {$420.00} {$420.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Dispute resolved; reported by grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Mortgage

We had received an approval for a short sale with GreenTreeXXXX the buyer did their inspection and issues came up on the report. I alerted my closer at GreenTree ; XXXXXXXXXXXX, about the property report, and the buyer wanted a reduction in the price to cover the repairs ; and he told me that XXXX will not reduce the purchase price so I need to close with the approval I had. I contacted XXXX and they asked that I forwarded the property report to the servicer and they will forward my request to them to review it. I emailed me : XXXXXXXXXXXX, the reports and the addendum asking for a reduction in the purchase price. The closer XXXX XXXX, refused to forward the email to XXXX. I requested multiple times and my request went in vain. I decited to circumvent the servicer and email everything XXXX. This was when I received an email XXXX that my file wad cancelled in GreenTree negation system XXXX went ahead and reduced the Value to XXXX less although GreenTree refused to submit what XXXX had requested. This seems to be a practice of GreenTree to force you to close. I need my file reopened so I can close on this sale.