23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The credit card company erroneously charged me interest on my account, after the account was paid in full, did n't provide notice of the interest so kept charging more minimum interest. After 30 days past due, they sent me an email, so I immediately submitted payment. 

1 ) New credit card, with a new charge on XXXX/XXXX/16 in the amount of {$200.00}. 
2 ) Payment cycle is on the XXXX of the month, so this payment was due XXXX/XXXX/16. 
3 ) I forgot payment right away so they charged my {$25.00} late fee, which I was fine with. 
4 ) Once I received notice that this was late I submitted payment for the full balance owed of {$230.00}. That payment posted on XXXX/XXXX/16, according to their website. So, on XXXX/XXXX/16 I had a {$0.00} balance. 
5 ) It looks like on XXXX/XXXX/16 they charged a {$4.00} interest fee. I dispute this fee since I had paid my CC balance in full, which was posted on XXXX/XXXX/16, a day before the cycle ends. 
6 ) I did not receive notice of this {$4.00} interest charge so was under the impression my account was paid in full. 
7 ) On XXXX/XXXX/16, they charged me a minimum interest payment of {$2.00}. Again, I was unaware of this transaction since I thought my account was paid in full and did not receive notice. 
8 ) On XXXX/XXXX/16, they again charged me a minimum interest payment of {$2.00}. Again, I was unaware of this transaction since I thought my account was paid in full and did not receive notice. 
9 ) On XXXX/XXXX/16 I receive an email from Synchrony Bank informing me that my account is past due. I was confused, but worried about my credit score I immediately logged in and submitted payment for the full balance. 
10 ) On XXXX/XXXX/16, I started receiving notice from Credit monitoring companies of the late payment they reported. To my knowledge, they have reported 60+ days late to XXXX and 30+ late to XXXX. I am unsure of XXXX since I do not subscribe to them, but if so I would like that record to be fixed as well, please. 
11 ) On XXXX/XXXX/16, my payment posted for the {$8.00} of interest that they charged me on XXXX/XXXX/16, XXXX/XXXX/16, and XXXX/XXXX/16. 
12 ) I am requesting reimbursement of all erroneous interest charges. I dispute the XXXX/XXXX/16 charge since my account was paid in full by the time the XXXX/XXXX/16 interest was assessed. I dispute the XXXX and XXXX interest charges since they were the result of the erroneous XXXX/XXXX/16 interest being charged. 
13 ) I am also requesting all erroneous reports to the credit bureaus to be fixed. My credit score has gone down XXXX points as a result of these erroneous reports.
Product: Credit reporting or other personal consumer reports

RE : Social Security Number : SS # : XXXX and account reported from : 1. Validate Account XXXX Account XXXX : XXXX Please ensure that all information is accurate 2. Validate Account XXXX XXXX  Account Number : XXXX Please ensure that all information is accurate ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENTS ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/ AND OR ALPHANUMERIC SOURCE CODES ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, -STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT. ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX XXXX XXXX  XXXX Account XXXX Account Name : XXXX XXXX  XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my chime account in XXXX and have tried disputing it 3 times with XXXX. Unfortunately theyre not removing the chime account. Instead they removed my current credit card by XXXX XXXX, XXXX.
Product: Credit card or prepaid card

I am writing to dispute a charge of {$500.00} to my credit card account on XX/XX/2022. On XX/XX/XXXX and XX/XX/2022, I erroneously paid twice the same amount of {$500.00}. XXXX Please see attached copy of my TJX Rewards statement. 
When I realized the error, I contacted my bank, XXXX XXXX, XXXX, TX, and the bank reimbursed me the amount of {$500.00} that I paid twice. 

Later that day, I noticed that I had another {$500.00} charge on my credit card. My bank only reimbursed me once the {$500.00} that I paid twice. As you can see on my statement, there were no additional purchases for {$500.00} made on my credit card to justify the additional charges. The only purchases for {$96.00}, I paid and canceled my credit card all together. 

At this time, I have completely paid off my TJXX Rewards Platinum Mastercard, and I dont owe anything to your credit card company. I also would like to add that I have a perfect XXXX  score of XXXX points.
Product: Debt collection

Keeps calling from random phone numbers and wont stop trying to make contact
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX XXXX is the two companies that on my report that I asked Equifax several times to delete because the information is incorrect. Several time they said the information was correct. So I asked them the process and information use to validate the debt because I know the debts dont belong to me. I have yet had the problem resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking items when I sent an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. The following items are listed below that need attention : XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$4700.00}, XXXX XXXX  Balance : {$11000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments are being reported on my consumer reports, although I was never late. According to the Cares/Heroes Act effective XXXX preventative measures were supposed to be taken to keep my credit scores from being ruined by preventing adverse information from being added to my consumer reports, and preventing credit score furnishers from creating and/or implementing new credit scoring models that would lower my existing consumer credit scores during the Covid-19 pandemic. This information has defamed my character, because it is derogatory and causing me mental anguish, sleepless nights, and preventing me from obtaining credit. please see attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern. 

I requested proper verification for a debt being reported by XXXX XXXX XXXX on all 3 of  my credit reports from all 3 credit reporting agencies. I sent my first submission XXXX XXXX, XXXX to Experian National Consumer Assistance via certified mail ( tracking number XXXX, delivered XXXX/XXXX/XXXX ) requesting the proper documents they have on file to verify that this debt was mine, they in turn sent a response only stating they contacted the debt collection agency and its verified. No supporting documents, not even an updated credit report, just a response that did not meet the requirements by law giving them the right to report a debt on my credit file, illegally damaging my credit file. I also sent the same letter to XXXX on XXXX/XXXX/XXXX via certified mail ( tracking number XXXX delivered XXXX/XXXX/XXXX ) & XXXX on XXXX/XXXX/XXXX ( tracking number XXXX ). They also responded saying they contacted the debt collection agency and verified the account was mine but provided no proof of any documents they have on file as they are required by law as a credit reporting agency to have all documents that correspond to any debts being reported on an individuals credit report. So I sent another round of letters to all 3 credit reporting agencies again on XXXX XXXX ( XXXX  tracking : XXXX, Experian tracking : XXXX, XXXX, all received XXXX & XXXX ). They again responded this time with updated credit reports but still none of the documents required for proper verification which they are required by law to have on file for each adverse account on an individuals credit report. I have asked and they have with responded without proper verification. I now ask for assistance in getting these credit reporting agencies to delete the adverse account ( XXXX XXXX XXXX for the amount of {$1800.00} ) off my credit reports because clearly they do not been have the proper verification requested since none has been provided to me on XXXX XXXX. Additionally in doing further research the company XXXX XXXX XXXX which is reporting a negative item on my credit report, is not even licensed in the state of NC to collect debt. Further contributing to the reason this negative item which has not been verified as required by law should be deleted expeditiously.
Product: Mortgage

I applied for a refinance mortgage loan through Citibank, in order to lower my interest rates which at the present time is 10.02240 %. I was denied and a total of {$660.00}, was taken out of my checking account. It was never explained to me that my funds would be taken out if the loan was denied or I would have made an alternative choice in companies to assist me. 
I ca n't imagine being charge that large of a sum to complete an application for a loan. In the past I have had other companies to inform me at the on set that they would not be able to assist me, before requesting any money at all to be paid by me. I have also tried on several occasions by phone and by mail to reach the loan manager and Citibank N.A . of which neither have gotten back in touch with me. I am truly disappointed and confused that a company would think that a customer would have over {$600.00} to give away, when I am having a hard time trying to pay a mortgage that interest rates are three times more than it should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 - I filed dispute in regards to the incorrect items on my credit report. it has ben well over 30 days and i haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

Ive found that the account XXXX XXXX XXXX  under XXXX is inaccurately reported as CollectionOrChargeOff on my credit report. You indicated this account was opened on XXXX with a last activity date of XXXX, which isnt correct. Please delete this account now. 

You also listed the last verified date as XXXX. According to 15 U.S.C. 1681i, I have the right to know how this information was verified. I also need proof that I owe {$2200.00}, as I contest this amount. 
Based on XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), inaccuracies must be addressed. Please proceed accordingly. 

As of Monday, XX/XX/XXXX, updated account went from : XXXX XXXX XXXX Account # : XXXX Account Description : Individual Account Rating : CollectionOrChargeOff Account Status : Closed Account Type : Installment Balance Owed : {$2200.00} Closed Date : -- Credit Limit : -- Creditor Remarks : ACCOUNT SERIOUSLY PAST DUE DATE/ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, OR CREDIT GRANTOR 'S INTERNAL COLLECTION DEPARTMENT Creditor Type : CollectionServices Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : N High Balance : {$2200.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : -- Payment Frequency : -- Payment Status : CollectionOrChargeOff Term Length : -- Loan Type : CollectionAttorney TO : Original Creditor XXXX XXXX XXXX Company Sold Account Type : Collection Date Opened : XX/XX/XXXX Status : Collection account. {$2200.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$2200.00} Balance Updated : XX/XX/XXXX Paid Off : 0 % Monthly Payment Past Due Amount : {$2200.00} Original Balance : {$2200.00} Terms : - Responsibility : Individual Your Statement : - Comments : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) THIS ACCOUNT HAS BEEN REPORTING MISINFORMATION FOR QUITE SOME TIME AND EACH HAS BEEN INACCURATE AND FRAUDULENT.
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX, XXXX XXXX Balance {$1600.00} XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX Account # 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Equifax and XXXX XXXX XXXX XXXX Has been furnishing inaccurate and illegal Information on my consumer report this company has furnished inaccurate information to my credit reports this company is in Violation of section 623 ( a ) ( 4 ) ; 15 U.S.C 1681s 29 ( a ) ( 4 ) furnishing inaccurate and illegal information this account has been disputed 3x this account has not been properly investigated if this account is not removed from my credit reports for NEGLIGENCE within 30 days of this Notice I will be moving forward with counsel in a lawsuit against Equifax and for civil liability and Punitive Damages and this account has also reached its statute of limitation to still furnish this inaccurate illegal information. I will be attaching documents to support my claims. 

Please Be Advised that there is an active lawsuit in progress against XXXX XXXX XXXX.
Product: Checking or savings account

On the evening of XX/XX/2020, my purse ( including wallet, checks, driver 's license, credit/debit cards, SSN card ) was stolen from the trunk of my locked car by way of smashing the front passenger window and subsequently unlocking the trunk from inside. I immediately filed a police report, cancelled all cards, confirmed my cards stolen with my bank 's fraud department, froze my accounts with all credit reporting agencies, and issued stop payments on all the checks contained in the checkbook. On XX/XX/2020, I applied for and received a temporary replacement driver 's license as well as attempted to close my primary DDA account with US Bank and open a new one as I was worried that because my account information was exposed on the checks, it could be tampered with. However, when I explained my situation, US Bank denied my request to close the original and open a new account on the grounds that I didn't have a valid photo ID ( the temporary one issued by the DMV did not include a photo ). A few days later, on XX/XX/2020, I was alerted that a fraudulent counter withdrawal in the amount of {$6300.00}, unauthorized by me, was issued at a US Bank branch to the offenders the day before, on XX/XX/2020. The offenders fraudulently impersonated me with my stolen driver 's license and forged my signature on the withdrawal slip. I immediately contacted the Fraud Department at US Bank on XX/XX/2020 who only then proceeded to close the compromised account and transfer the balance to a new account. On XX/XX/2020, I completed and filed Fraud Documents sent by US Bank 's Fraud Department to dispute the fraudulent transaction as well as initiate an investigation with the confirmation that the funds would be reimbursed and I would not be held liable in any way. I followed up on the progress of my claim on XX/XX/2020 and was told it would be another 2 weeks until the final review was complete and to check around XX/XX/2020. I followed up again on XX/XX/2020 and was informed that my claim was denied on the grounds that the trunk of my locked car was not a secure enough location. This is inaction by US Bank is unacceptable. There was very clearly gross negligence and inconsistencies on US Banks part to protect my funds. This fraud was enabled solely by the lack of attention of US Bank as all the parameters to reject any and every transaction subsequent to XX/XX/2020 were in place.
Product: Credit reporting or other personal consumer reports

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I notified Western Union about a fraudulent money transfer made to XXXX on my behalf using one of my XXXX XXXX XXXX  credit cards for {$350.00}. They immediately deactivated my account for safety reasons. I got an email from Western Union saying that the dispute is denied becuse the the transaction has been completed. Meanwhile ; also reported the incident to my credit card company and they also denied the claim because they were unable to resolve the issue with the merchant, In This case Western Union. Leaving me literally floating in the air not knowing what to do because no one is willing to take responsibility. I think Western Union should be responsible for making sure their customers accounts are protected. At this point they are in complete denial and unwilling to take responsibility for what is happening after they already profited fron this scam.
Product: Checking or savings account

I've had two fraudulent charges made without my consent and have not been reimbursed on my lost funds nor have had the problem of the fraudulent website solved. I've contacted my bank and they can't help or fix the issue. So my account has been closed until something is done about it. 

1. GOOGLE *Com, GOOGLE *Com2uS Corp , Mountain XX/XX/2019 Debit {$100.00} 2. GOOGLE *Com, GOOGLE *Com2uS Corp , Mountain XX/XX/2019 Debit {$100.00}
Product: Debt collection

I got a call from the XXXX XXXX XXXX from phone XXXX. Then I was referred to Bank of America customer service at phone XXXX. I do not owe any unpaid late debts.