23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I should have submitted a complaint in XX/XX/XXXX, due to a similar situation, but I was not clear on how Bank of America was conducting business until now. In XX/XX/XXXX, I performed a balance transfer with a 15 month 0 % promotional rate, but continued using my card as normal, with anticipation of paying any interest accruing balance immediately upon statement due date. However, in XX/XX/XXXX I was charged interest of {$1.00} on purchases even though I paid an amount to cover those purchases plus a minimum amount due. I called and had the interest refunded and stated my complaints, but the rep just brushed it off and said " well we usually tell customers to not use their credit cards while carrying a promotional balance. '' Then at the end of XX/XX/XXXX I received another interest charge of {$0.00}. I did not worry about fighting with BOA again as it was a small amount and I quit using the credit card and moved on to another card. Now, I have received an interest charge of {$0.00} for XX/XX/XXXX for a charge I made on an account that the card was saved as a payment method. The charged amount was {$8.00} on XX/XX/XXXX and I even paid an extra {$8.00} on XX/XX/XXXX prior to statement closing date of XX/XX/XXXX but after payment due date of XX/XX/XXXX for statement period ending XX/XX/XXXX. It is now evident that BOA is charging interest on purchases made during a statement period even if payment is made before the close of that statement. Is this type of practice allowable? In my eyes this is exploitation that my conscience views as unlawful but certainly unethical. Sure, it's only {$0.00} total, but I had to call and spend 40 minutes on the phone for {$1.00} just to prevent the total interest from being {$1.00}. If BOA does this to XXXX customers, then they pocket {$16000.00} and most likely I was the only person to spend the time to fight for the interest. All of my credit other accounts with other institutions I have ever used with any kind of promotional apr allow you to pay an amount to avoid interest after a statement has been generated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea why it's there. I routinely check my report, and this time, I noticed unexpected discrepancies. Hoping it was just a glitch, I refreshed my browser, but the unauthorized inquiry remained. This situation is incredibly frustrating, and I need this issue resolved immediately. Please review the documents Ive provided so I can finally put this behind me.
Product: Credit card or prepaid card

I rented a RV from a company, XXXX, in XX/XX/2020. After returning the rental, the company claimed that I had damaged the vehicle. Without asking my authorization they charged the credit card number they had on file for the full insurance deductible. 

Since XXXX did not get my approval to charge my card and since I strongly believed the damage they were claiming was incorrect, I opened a charge dispute with Citi, my credit card company. 

I opened the credit card dispute on the phone in XX/XX/2020. I did it over the phone. The agent I was working with advised me not to dispute the charge as " unauthorized '' charge because he said " law enforcement would be involved ''. Instead, they suggested I claim " goods not received ''. I took this suggestion as I did not believe this was a criminal matter. 

A few weeks later, I received a response from Citi notifying me that the merchant had responded to my dispute. The merchant that responded was *not* Outdoorsy ( it was their payment processor ) and it simply said " this charge was made for damages ''. I told Citi that this was insufficient proof to justify the charges, they sent me this : " The information provided in your most recent letter conflicts with the information used to open your dispute. Your initial dispute stated that you not received the service. Your recent response states that you have not authorized the charge. Unfortunately, while we understand your desire for a credit, we are unable to assist you further due to these conflicting statements. ''
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am requesting the deletion of account CAINE & WEINER XXXX. This debt collection agency has engaged in practices that are abusive, deceptive, and unfair actions which are clear violations of the FDCPA. They have reported an account that I did not agree to nor sign any agreement for. A legal contract necessitates the agreement of two parties, and I had no involvement in any such agreement. Moreover, they failed to follow the proper five-step validation procedure, further highlighting these unfair practices. I also have uncertainties regarding whether I ever held an account with the original creditor. Notably, I received no correspondence notifying me that this account was sold to CAINE & WEINER, and the original creditor has failed to validate the alleged debt, constituting another violation. Furthermore, I received no communication by mail leading up to the reporting of this collection account. This account was added to my records in XX/XX/2022. Consequently, I am formally requesting a copy of the correspondence that was supposedly mailed to me during that time, informing me of this debt with your company. Please provide the original account documentation as well as your license to collect debt in the state of Texas. Failure to provide this documentation would constitute yet another violation under the FDCPA, which entitles me to seek {$1000.00} per violation. Remove this account from my credit report. 


Remove this account from my credit report due to misleading and false reporting. This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. XXXX XXXX XXXX XXXX
Product: Debt collection

this ( phoenix financial services llc ) company recently added a collections to my credit report for a hospital debt from 2013 ( 7 years ago ) and showed it as a new debt. this dropped my credit score 20 points. I disputed this debt with the credit bureaus and it was removed. they then re added this debt this same debt to my credit report dropping it another 20 points. they are constantly calling me and harassing me stating they'll keep re reporting it to all major credit bureaus until I make some kind of payment. they are rude and relentless
Product: Credit reporting or other personal consumer reports

TransUnion told the cfpb on XX/XX/year> that it had deleted the XXXXXXXX XXXX  account off my credit report but it still remains there.
Product: Debt collection

COMMONWEALTH FINANCE   XXXX   XXXX   XXXX     XXXX , PA  XXXX  (   XXXX   )  XXXX  Common Wealth Finance is trying to collect a medical bill that does not belong to me. Amount of debt is  XXXX . This is no the same complaint for  XXXX
Product: Credit reporting

My student loan is being reported as 180 days in default in 2012. This is not true. I have had a forbearance or a deferment every time I was not able make payments. Furthermore my loan is in the third and last year of the forgiveness process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with Equifax which I pay for monthly. I check my credit report every day and for the last 2 months Ive noticed my credit card balances and the dates they report my balance are incorrect on my credit report. I disputed this with Equifax for 2 months and still I dont see a change. I started the disputes XX/XX/2018. My car loan is reported as closed and its not closed Im still paying on my car loan.
Product: Credit reporting or other personal consumer reports

Equifax Information Services XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Urgent Request for Account Deletion Due to Identity Theft Dear, Equifax I am writing to formally dispute the unauthorized accounts listed on my credit report. I recently discovered that my personal information was compromised in the Experian data breach, and fraudulent accounts have been opened in my name without my consent. 

The following accounts were not opened by me and should be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosed, you will find documentation supporting my claim, including confirmation from the Equifax Breach Settlement website indicating that my personal information was compromised. Under the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation into these accounts and their removal from my credit file. 

Please provide written confirmation of the deletion of these fraudulent accounts at your earliest convenience. Additionally, I request a copy of my updated credit report reflecting these changes. 

I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my accounts were properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate, how the account opening date is same with the last reporting date & last one is that how you were reporting the balances on collectionclosed accounts?? This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX / XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is the secound time that this Credidter has showen up on my report and they already lost a despute over 3 to 4 months ago. Thay showed up through anotheer cridet collecter. Thay droped my score XXXX points.I dont understand why TransUnion allows XXXX XXXX XXXX to use a thered party to report debts that have already gone through the desput prosses and lost but can still show up a secound time on my report. Thay sold my contract 2 times. XXXX, XXXX both have done a great job in keeping out these lost desput by XXXX XXXX XXXX. 

Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Active Dispute Pending Date Submitted : XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I have did a little bit more research and investigation into account XXXX Wells Fargo I had filed many complaints and disputes against your bank regarding credit reporting and I do believe that you are in full violation of the FCRA on multiple violations and I am writing to put your office and organization on full legal notice as well as all three of the major credit reporting agencies that will be attached to this particular and my final dispute to you before taking legal action. I asked you to review on your Company letterhead dated XX/XX/XXXX in which you stated that you would notify each credit reporting agency have an update in which the law requires you to if you review the credit report the required notice of dispute is missing there was no update you fail to notify the credit bureau that the consumer dispute and you have 30 days to do so if you review the credit report XXXX shows no dispute remarks at all 2 ) if you review experience credit report you will see the last dispute was conducted and on XX/XX/XXXX XXXX as well show the last update XX/XX/XXXX based on factual information that Im providing to you today shows that you did not notify the bureaus of any investigation that I dispute it with you the law requires you to notify the bureaus within 30 days of your investigation and as you can see you fail to do so which puts you in violation of the FCRA and I order in demand you to delete this account immediately or face consequences this is not a threat this is a promise remove this immediately have the bureau send me an updated credit report showing the deletion I think you for your full cooperation but Wells Fargo the law is clear and Im a law Biden citizen and I will continue with legal action thats why the credit bureaus has been notified on this same complaint/dispute that you are receiving right now I want it removed now I asked you to review yours full statement in your letter thats uploaded I asked that you review both credit reports dates that you failed to do your job and most importantly you failed to follow the law And please be advised that you have an active dispute that youre working on is also a violation of the FCRA and I will come after you for {$1000.00} on that one as well if the account is not moved enough is enough remove it I think you for your full cooperation and look forward for the deletion! 
The credit report date is at the very bottom of the page and please Acknowledge you see XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I would like to submit my whole story and demonstrate Nationstar Mortgage failure to comply with XXXX SD XXXX. 

Your platform, limits characters prohibits me from delivering you the complete facts and truth. 

I would appreciate a phone call. 

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

Hello! so XX/XX/2020 appeared in my XX/XX/XXXX credit history a hard inquiry, credco name supposedly a bank in california at the moment i didn't ask any company to check anything! 
so i did the XX/XX/XXXX search and got the credit card so i call and always put me on hold and after a certain period the call goes down! I've tried a few times over the course of the day and always the same thing! 
so i decided to contact you guys to please take action and remove this unauthorized information in my credit history! thank you!
Product: Credit card or prepaid card

When making 'payments ' on the charge account at U.S. Bank XXXX the 'payment ' comes out of my bank account immediately - sometimes the same day, otherwise the very next day. Problem is U.S. Bank sits on it for at least a week 's time and makes the credit unavailable for use. One week 's time is absolutely excessive in this day and ago. I do n't know what kind of game they are playing by doing this but you know it 's got to be something as financial firms do not have the consumer 's interests at the forefront. Thank you.
Product: Credit card

XXXX XXXX credit card is terrible. I am moving and it's costing the earth so I called my credit card companies asking them to give me a break this month. All my cards except XXXX XXXX  did that. 

I called XXXX  XXXX  2 days before my payment was due and asked to skip the XXXX payment. I got a large refund on an old payment that I had made so my XXXX XXXX  balance was going down by {$XXXX}, to almost 1/4 of what it was. That refund went against my balance on XX/XX/XXXX. But XXXX XXXX  still said they could not give me a break. Even though I have had this card for years and I have always paid on time, In fact this is a cashbacked card, I paid them {$XXXX} when I opened it because my credit was low at that time. 

The supervisor said to call back after I had missed the payment and they could probably waive the late payment fee and by then they might have some programs available so that I could skip XXXX 's payment. 

Well I just called back and none of that is true. I can not skip a payment and they are charging me {XXXX} for being late in paying XXXX 's payment and will not waive that fee. If I had known for sure that I absolutely was not going to be able to skip a payment and that they were not going to waive the late payment fee, no matter how difficult it was going to be for me I would have paid the XXXX payment on that day. Now, not only did I have to pay the payment, but I'm going to have to pay another {$XXXX}. Also, they said that my next payment in XXXX would be the same as for XXXX, despite the fact that my balance on the card has decreased by three quarters. The way this company treats its customers is disgusting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my 2nd letters off to XXXX, Equifax, XXXX on Monday XXXX XX/XX/2022. Here is my tracking number Equifax # XXXX, XXXX # XXXX, XXXX # XXXX. I told the credit bureaus to " investigate every piece of informaton '' on the accounts I listed. 

According to the FRCA. The term '' investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom with whom he is acquainted or who may have knowledge concerning any such items of information. 

Attached is the letters I sent out in " Good Faith ''. 
Also to remove all information that was not 100 % accurate. According to the fair credit reporting act 15 USC 1681. I have the right to privacy and everything has to be 100 % accurate. Also according to 15 USC 6802. NO financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Debt collection

I am writing to demand the immediate deletion of the following fraudulent accounts from my credit report. Their continued presence reflects negligence on your part and violates consumer rights. Rectify this immediately to ensure compliance with the law and restore the accuracy of my credit report. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My old student loans from XXXX and XXXX continue to show up on my credit report in error. I am in the process of having my remaining student loan forgiven through the PSLF program.
Product: Debt collection

I'm feeling incredibly overwhelmed and deeply disheartened by these circumstances that have negatively impacted my mental and emotional well-being, and have even caused distress for my family! Please, prioritize the removal of these accounts as soon as possible!
Product: Debt collection

XX/XX/XXXX The company " Credit Protection association '' XXXX Texas XXXX placed a collection in the amount of {$88.00} on my XXXX credit report on behalf of XXXX. I do not owe this money and XXXX has no record of ever sending my account to collections. 

Credit Protection association made no attempt to contact me by mail or phone. They did not give me an opportunity to dispute the error. I was not aware of the amount in collection and have proof that I am in good standing with XXXX. I recently applied for a mortgage and learn of this collection and Credit protection told me when I called the first time that they had no record of me in their data base. Two weeks later when I called they located the file. 

They refused to remove this from my credit report until they Verify with XXXX and they told me that they will not provide me any updates. They also refused to provide me with documentation when they clear up the matter. I need this for my records and to provide to my bank. 

My XXXX account is XXXX. I have been with XXXX XX/XX/XXXX and in good standing as my account has always been on auto pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

Fresno Credit Bureau contacted us through XXXX XXXX. I asked for the following documents. 

1. Copies of the good faith estimates. 
2. Original invoices that were provided to me by the XXXX XXXX office. 
3. Copies of all the documents that were signed These documents were not provided