23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2013, I made a mistake in taking out a loan with CashCall. The amount was for {$2600.00}. I informed the representative that took my call, that I did not need that amount and informed him I wanted something less. I was informed the interest rate was $ 183.06 %. I was instructed to take the full amount of {$2600.00} but informed that if I make a payment for half the amount, that interest rate would lower. My first payment was for {$1100.00}. Little did I know that the amount I was paying was only going towards the interest and not the actual loan amount, I was lied to. I continued to make monthly payments. Overall I've submitted {$4100.00} to CashCall. I filed a dispute with CashCall and they ultimately closed my account and listed a charge off on my credit report for the amount of {$1300.00}. After requesting validation from a 3rd party they sold my account to, I received a letter claiming I owed a balance of {$870.00}. The information CashCall submitted to the credit agencies is incorrect. CashCall needs to remove this charge off from my credit file since the amount was paid in full.
Product: Credit card or prepaid card

Comenity Bank handles the credit cards for XXXX XXXX Stores. I have not been receiving mail in a timely manner, and I did not receive my XXXX XXXX bill. When I receive my next bill, I had incurred a late charge of {$35.00}. I called Comenity Bank and asked them to remove this late charge because of these circumstances. She agreed to remove this charge and I agreed to pay the account in full. 
I received this bill on XX/XX/2021, and I saw that the bill was due on XX/XX/XXXX. I asked if my payment would arrive on time if I sent it in for XXXX Online Bill Pay to pay it on XX/XX/XXXX. We agreed that this was agreeable, and I asked her to notate my file that I would be closing the account and sending in the payment on that day. On XX/XX/XXXX, I received the attached bill, which I didn't understand ( and I still don't ). When I called to ask about it, I was told by the customer service representative that my balance is {$29.00} : she said my bill is paid, but I still owe {$29.00} due to a late fee because my payment was not processed by Comenity Bank until XX/XX/XXXX, and it was due on XX/XX/XXXX. I was further told that if Comenity Bank did not receive this late fee payment by XX/XX/XXXX, I would have incurred another late fee of {$29.00}. I think I would be given a better deal by the XXXX 
My complaint is that Comenity Bank did not honor their agreement to accept my final payment which I told them would be sent on XX/XX/XXXX, Comenity Bank charged me a late fee when I should have a XXXX balance, and Comenity Bank wants to charge a late for a late fee. Isn't that illegal, or is it only immoral?
Product: Credit reporting, credit repair services, or other personal consumer reports

I talked to Equifax today, they said I could not dispute my hard inquiries. They advised me to speak with the lenders. I would like to dispute my unauthorized.
Product: Credit reporting or other personal consumer reports

I have sent a dispute letter to Experian XX/XX/year> and didn't receive any response. I am deeply concerned about the numerous inconsistencies found on my credit report. I've noticed a few inconsistencies that need to be fixed right away. 

Below is a detailed description of the particular errors in question : Under Personal Information : My Name is reporting wrong. Correct as soon as you get this. Date of birth is not the same for the other bureaus. Correct all errors. Current address is reporting wrong. Correct all errors. Previous address is reporting wrong. Please do your investigation. The Employee information is wrong. The FTC says that you have to investigate. Im asking you to do that. I have provided my social security number and proof of address to further fix this issue. My name is XXXX XXXX XXXX. 
My address is XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX NV XXXX Under Accounts : XXXX XXXXXXXX XXXX : XXXX, Reported account does not match the reported accounts from the other bureaus. Remove the damaging accounts from my credit report. 
XXXX XXXX XXXX : XXXX, The information on my report was either inaccurate or could not be re-verified. Requesting that the error should be deleted and send an accurate report. 
XXXX : XXXX, Fair Credit Reporting Act says you must investigate inaccurate information and this account is inaccurate. Please delete the error on my report promptly. 
XXXXXXXX XXXX  XXXX : XXXX, It appears that this account has issues that needs to be fixed. Respectfully request to provide me with competent evidence that you are reporting this account correctly. If not delete it. 
XXXX XXXX : XXXX, Im demanding a deep investigation into this account due to its inaccuracies. The item must be DELETED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

have reached out too these companies back in XX/XX/, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX ( in regards too these inquiries on my credit report I have called an they have not been able too provide me with a explanation as too why they are on my credit report so under FCRA 611 ( a ) ( 7 ) I would like for these companies submit verification of signature where I gave them permission to run my credit. I would like for under FCRA 611 ( a ) ( 7 ) the companies submit documents of signature or my permission for them too run my credit if companies can not provide documentation I would like them too remove the inquiries off my report please and thank you.
Product: Credit card or prepaid card

On XX/XX/2020, I entered into a debt settlement agreement with Citibank Searscard, and a payment plan was set up. I never received a written settlement agreement from Citibank, and Citibank states they mailed one, which I never received, and they can not provide me with a copy. Therefore, I can not send payments and close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had three credit inquiries from XXXX of which two were not authorized by myself. I have attempted since XX/XX/XXXX to have this removed from my credit. XXXX has supplied me with two letters requesting that the credit bureau to remove them from my account for fraud dates XX/XX/XXXX and XX/XX/XXXX. I have disputed online several times, uploaded both letters from XXXX online to dispute, and mailed both letters to Equifax of which they are refusing to remove. I called XXXX again today ( XX/XX/XXXX ) and had them to initiate a second request to the credit bureau to have them removed.
Product: Credit card

My name is XXXX XXXX. I was looking at my consumer report and I noticed there is one late payment being reported on a capital one card ending in XXXX on my consumer report.
Product: Mortgage

Freedom Mortgage made a mistake servicing my loan, the problems were resolved, Freedom mortgage admitted that they made an error servicing my loan but in the process they negatively marked my credit history. Calling them, sending them the requested documents has not resolved the issue of the credit damage. They have refused to remove the mark on my perfect credit history.This effects my clearance for my government contracts, and also my financial future
Product: Debt collection

Today I received a letter from Bank of America dated XXXX XXXX XXXX. When I called the phone number on the back of the letter and I entered the last XXXX digits of account closed in XX/XX/XXXX, it said my first name and then said it was being " consolidated '' at my request!!!!! What? I asked the persons in XXXX ; XXXX and XXXX as I was bounced from state to state and disconnected again and again : where are the XXXX credit card statements I was promised two weeks ago? I was told they would be mailed so I can forward them to the XXXX credit reports - some of whom have already removed it based on the date alone. But others are miscommunicating the term " correctly reporting on your credit file '' which not true! Now - today - Bank of America has stripped their own computers of the furnished payment information in each month in XX/XX/XXXX and XXXX XXXX ; such that the bank 's responders to disputes ca n't see what they furnished in XX/XX/XXXX that is still on my credit report. Bank of America fabricated phony credit card statements to show the XX/XX/XXXX closing by me. However, they ca n't create documents in XX/XX/XXXX, as promised two weeks ago? The bank is hiding the fraud on this account by deleting the furnished data. That is fraud. The envelope received today did not come from XXXX either, despite the return address. It has been an annoying habit that letters are mailed from Bank of America from states other than the one it is written from. I suspect this is the bank 's way of avoiding the Attorney General of the state listed from having jurisdiction on the matter. This is compounding an already disasterous situation for no reason. The letter in no way allows a customer to talk directly to the place listed on the letter. Clearly, it was a fake form letter.
Product: Credit reporting or other personal consumer reports

These Account were Investigated by XXXX and XXXX XXXX and both came back with the same result and Removed the fraudulent accounts. However Equifax whom I DO NOT think did an Investigation saying they verified this blatant fraud. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Letters of Removal from XXXX are attached. 

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

I initiated an international money transfer to help my family through a loved one 's XXXX in XXXX. 

Western Union claims on their money transfer web page said it will take XXXX business days for the money to reach the destination account. I submitted the money transfer on XX/XX/XXXX and it is XX/XX/XXXX now and they neither have credited the money to my destination account, nor have they refunded the money. They have not even given me any update on the where the money is. 


When I called them today on XX/XX/XXXX ( I am on the call right now ), they tell me that there is no issue with my account and the transfer should have been completed but they don't know why it has not been completed. But they have taken money out of source bank account on XX/XX/XXXX and it's XX/XX/XXXX but they don't know why the money has not been transmitted to my destination account. 

They gave me only XXXX options. They either will take another XXXX business days to refund my money or will take another XXXX business days to tell me why my money has not landed in the destination account. In those business days, the money will still not make it to the destination account or source account. They will just take that time earn interest on my money So overall, they just want to delay the process and earn interest for XXXX days on my money. They are taking advantage of consumers via false advertising of XXXX business days international money transfer. 

This is not the first time. They did this in XXXX and called it a glitch and they have done it again a year later in XXXX. This is an organized fraud. I am pretty sure Western Union is profitting off of the consumer money, telling them lies about money transfer timelines and never completing the money transfer
Product: Money transfer, virtual currency, or money service

Stop checks from the companies from others in my case.
Product: Checking or savings account

in 2016 i had a bank of america account i opened the account for my son to receive money from his father. I checked this account daily for money promised to him. In. XXXX i lost my wallet with all my information XXXX security card i'd bank info bank cards both XXXX XXXX and bank of america one day i was in XXXX in md trying to buy a car i saw a large deposit didn't get a chance to do anything when i left the place the bank was close but the next day i called bank of america explained to them and they closed my account now they say i have unpaid balance after i asked them to watch cameras for verification.
Product: Credit reporting or other personal consumer reports

Dear. XXXX XXXX XXXX. JP Morgan Chase Bank Association received a security interest once I opened a business account with the company. Depositing XXXX dollars in the account. once alive I realized that the company had committed security fraud then identity fraud once they secured my bond trading it without my consent and have denied me payment with my security interest which is a simple endorsement a open note I never received valuable consideration all dividends from XXXX until the present immediately transferred to my XXXX account and all security bonds attached to my social security number be paid backdated from XX/XX/XXXX until the present a continuation of traded security 80 % in my favor 20 % in the company favor. account must be updated to paid in full and the cusip number for the security sent to me. I revoked all power from company and all XXXX XXXX of the company also cure the problem XXXX Governed by UCC XXXX XXXX yours / XXXX / XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/year> and notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 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. 
US DEPT OF EDXXXX U.S. Department of Education 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 XXXXXXXX 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. I also asked for the original contract to be provided and it was not.
Product: Credit reporting or other personal consumer reports

I disputed morning three times which each agency, they continue the report in accuracies
Product: Credit reporting or other personal consumer reports

Well I was banking with chime financial but chime financial with fraudulently taking money out of my account they were doing things that were fraudulent I even lost a big amount of money dealing with them I was just so fed up I had to transfer to a whole new bank I now bank with XXXX. I had a credit score of XXXX and I was about to open up a credit card because I wanted to work on my credit scores to make it higher until I saw that it dropped and their XXXX and the other credit companies are saying that I owe Chime .coming after me for {$750.00} I kept trying to tell them I don't owe chime so I called chime and guess what this is the proof that I got I knew I didn't owe {$750.00} but they're mad at me and they're trying to hurt my credit and get money out of me because I stopped dealing with them and I went to another bank and they're doing anything in their power to shut me down I really need you guys to fix this this is the proof that I do have from my conversation with chime
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to resolve all my errors and inaccuracies with the credit bureaus such as Equifax, XXXX and XXXX but they are taking more than 30 days in the investation. .Those errors are afecting my credit score and I want to solve that.
Product: Checking or savings account

It started by not able to use XXXX, with my Chase bank account. I wrote to customer service. They responded by stating I tried to send myself money with XXXX. That is incorrect. 
Im or about XX/XX/2023 I went to a Chase bank and spoke to an officer. He called the main office. They told him the bank is deleting our banking relationship. He said they would not tell him, that I would get a letter in 10 days. And they would send me a check for my checking and savings account balances. 
I said I dont know why they are closing my account, but I need my money and should be able to get my money now. He said he couldnt do anything as my account was locked. 
As of this date I still have not received my money
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these accounts have violated my rights : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 15 USC 1681 Section 602A. States I have the right to privacy 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several certified mailings concerning accounts, wrong address, inquirie removals and the customer service has been horrible. Nothing has been done and I haven't had anything " verified ''. 
My accounts in collections are not the original creditor. Contract was cancelled and I have no further obligation. There is no contract for any of my collections. I have tried everything and keep getting the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown inquiries on my credit report. There are multiple errors shown in my report. Please verify that all inquiries are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these inquiries and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I was told I was applying for a medi-cal contract to pay for dental work. When I was under sedation, in the dentists chair I was told to sign forms for the medi-cal programs and instead they had me signing up for a loan I can't afford and all the work was covered by medi-cal at no cost to me. Why would I need a loan at almost 30 % interest and 30 years to pay off. I'm a XXXX  veteran, XXXX XXXX XXXX and can not possibly afford such a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

Received a call from XXXX XXXXXXXX on an account for XXXX XXXX XXXX for XXXX XXXX XXXX XXXXXXXX a year after the agency called me on a bill for XX/XX/XXXX. This date of service was for XX/XX/XXXX, on the call for XX/XX/XXXX date of service I gave Ability my health insurance info which was XXXX XXXXXXXX and inform Ability staff to please also bill XX/XX/XXXX account. Ability staff gave info to XXXX XXXX XXXX and XXXX XXXX XXXX failed to bill XX/XX/XXXX date of service to XXXX XXXXXXXX. When I spoke to XXXX XXXX XXXX they advised me that they would like have account removed from collection and written off. But that has not been done.
Product: Checking or savings account

I recently became a customer at Wells Fargo, opening a business checking account, a personal checking account, and a savings account. However, I received a notification that Wells Fargo plans to close all my accounts soon. When I called for clarification, I was told I needed to visit the bank in person and then call again. This lack of clarity and the potential disruption to my financial activities are concerning. I am prepared to address any issues and provide necessary documentation, but the abrupt notice and the unexplained disappearance of {$25.00} from my savings account, which I consider theft, have left me needing urgent resolution. I request your immediate intervention to prevent undue disruptions and address these serious concerns promptly.
Product: Checking or savings account

PNC will not allow me to access my account via third party app
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Credit Acceptance Corp on XX/XX/2020 I was lied to by my cousin XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX to co-signed for a Auto Loan to get a truck and after a couple months he can take it out of my name and take over the payments and that was all a lie he has not been making payments on this account which is affecting my credit report I also tryed to take him to court to have his money garnish to pay this off with no luck