23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I paid off in full a Bank of America Mastercard loan of {$10000.00} in nine months, from XX/XX/XXXX to XX/XX/XXXX, with never a late or missed payment. My credit score was XXXX, the highest possible excellent score and no late payments ever in my life. Then, B of A notified me of a late fee on that credit card of {$28.00} that was never mentioned to me before. I paid it right away as soon as they mentioned it. They reported the first late payment on my credit report as a major late payment. My score started going down. Other creditors saw the late fee and started lowering the credit limit on their credit cards. I hired XXXX XXXX to appeal to Bank of America that the {$28.00} fee was not a purchase that I would have been aware of, but a card fee added by Bank of America that I would have paid in time had I been informed about it, considering that I had paid the full amount of {$10000.00} on the card within nine months. They ignored the attorney 's reasoning and kept the detrimental report. I had just started my own business as a self-published author and needed to fund the start-up costs. I applied for a second Bank of America Mastercard and was approved for {$19000.00} credit. I made commitments to purchase needed programs and equipment for my work. After having spent {$8800.00} and making all minimum payments on time, Bank of America notified me on XX/XX/XXXX that they have closed the card, and that while I would be still making payments, there would never be available credit for me to borrow. I was facing commitments that I had made previously based on the promised {$19000.00} credit on the card, and was given no reason for the sudden drop of the limit on the card, its being closed, PLUS a reported lie that I had negotiated a settlement meaning that I was excused from paying the {$8800.00}, which I have been paying for 15 months by autopay until now, when I am so broke that I stopped continuing those payments because my present credit score is a low POOR, which I did nothing to merit. Bank of America 's unfair and untrue reports caused every application I placed to obtain a business loan to be declined. I have a copy of the report about a false settlement report on XXXX that my own bank, XXXX XXXX XXXXXXXX XXXX brought to my attention as not being consistent with my perfect 28-year history with them. One more severe damage that Bank of America caused on my report is claiming that I had maximized the use of the credit available on their card, which is completely false based on the following evidence : When I spent {$8800.00} out of a {$19000.00} credit limit on the card, it was 35 % of the amount allowed. But when in one day they brought down the limit to the amount that I had already borrowed, the percent appeared to change up to 100 % due to their having lowered the limit and is a wrong percent of what I had spent. Now, they are threatening higher finance charges and penalties added to the owed amount because of the missed last due payment, for the first time in my life due to no funds.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I received a correspondence from Barclays offering balance transfer checks My balance on that date was {$0.00}, that is, I owed nothing to Barclays and therefore had an available credit of {$6200.00}. 
I then used check number XXXX and filled out the amount of {$5000.00} to use to pay other cards. This check was written in the name of my husband, and deposited into his XXXX XXXX account on XX/XX/2023. 
On XX/XX/2023, my husband received a letter from XXXX XXXX, informing him that the check had returned due to insufficient funds. 
I called Barclays and explained what had happened and an attendant informed me that he wanted to check what was happening, as my balance was {$5200.00} : {$5000.00} balance transfer, {$250.00} fees and {$26.00} returned check fee. 
After a few more days, I received a statement from Barclays confirming these values. 
I contacted Barclays again and the attendants were unable to tell me what was happening. 
Several explanations were given and no solution was taken. 
I have already made more than 15 calls to Barclays, spending more than 15 hours in total with no solution. 
I have marked the name, time and date of several calls and also recorded the audios. 
On XX/XX/2023, I had to pay the minimum amount of {$52.00} from my account to avoid damaging my credit and so far I have not had a solution to the problem. 
In XXXX I payed another {$62.00} and XXXX I payed {$52.00} to maintain my account in good standing. 
I did not use the amount of {$5000.00} because the check was not paid due to insufficient funds and I have a debt of {$5200.00} with Barclays that does not exist. 
I ask for an urgent solution.
Product: Credit reporting or other personal consumer reports

I disagree with the accounts listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you VERIFIED the above, so that I may follow up.
Product: Debt collection

In XXXX the sheriff deputy contacted this lawyer by email with a settlement amount with response back from them. I then completed the forms so they could not cease any property or money and filed with the XXXX XXXX XXXX. 
Its XXXX and i am still receiving harrassing letters from this lawyer.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information were erroneous.The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know how to go about getting this corrected so I was told to file a complaint if thingson my credit were incorrect. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX OH XXXX. My DOB XXXX My SS # XXXX. I found an incorrectspelling of my name ( XXXX XXXX ) not name please delete it. I was looking further intomy file I found addresses that I never lived at. Please delete the following unknownaddresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX
Product: Mortgage

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX days past due as of XX/XX/2016, XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. 

I am a XXXX and not sure how this happened. I am in the process of selling my home and getting ready to use my XXXX loan and this is really affecting my credit. I am so sorry for any inconvenience but wondering if there is anything you can to do help me.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year> and noticed some things are incomplete and inaccurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to re-investigate these accounts listed below because XXXX XXXX  XXXX open date is not reporting correctly, I did not open this account, account has been charged off, still reporting negatively on my report, this account is not accurate Opportunity Financial XXXX this account is not accurate, account has been charged off, I did not open an account with his lender, reporting negatively on my report, XXXX XXXX this account is not accurate, account has been charged off, reporting negatively on my report XXXX  XXXX XXXX  XXXX XXXX this account is not accurate, I do not own this account, reporting negatively on my report, open date is reporting incorrectly XXXX XXXX XXXX this account is not accurate, reporting negatively on my report, account is paid off XXXX XXXX XXXX XXXX I never had a contract with this debt collector, this account is inaccurate, Can you look into this matter
Product: Debt or credit management

I used lexington law but had a different email and address at the time. I want to see if I am a part of the law suit.
Product: Credit reporting or other personal consumer reports

I have hard inquiries on my credit report from all 3 bureaus that are fraudulent and I have contacted them directly to have them removed but I was told to file this report. Please see the items below.. XXXX Hard Inquiries- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Hard Inquiries - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report is showing fraudulent accounts on it, that have already disputed and had removed from my credit report, since the accounts have returned I have disputed the accounts again and this credit bureau continue to let the fraudulent accounts and information remain on my credit report. 

These accounts have returned on my credit report with fraudulent address and a different company name, and this credit bureau is allowing it to remain. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have received emails and phone calls regarding unauthorized accounts. XXXX contacted me for a payment on an account I have never opened. I processed a claim with them, and they investigated and saw that my identity has been used. I check my credit report after that and noticed some inquires that I did not authorize.
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 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 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 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 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. 

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

15 U.S.C 1681eb : they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX XXXX & XX/XX/XXXX ) 2. ( EXPERIAN XXXX XXXX & XX/XX/XXXX ) 3. ( EXPERIAN XXXX XXXX & XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit reporting or other personal consumer reports

I have never authorized or initiated any transactions related to this account, and I believe my personal information was compromised. I kindly ask that you conduct a full investigation into this matter, and if you determine the account was indeed opened fraudulently. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''. 

Account name : SOFI BANK Account number : XXXX Date opened : XXXX/XXXX/2022 Balance : {$10000.00}
Product: Credit card

In XX/XX/XXXX, I made a roundtrip flight reservation from XXXX to XXXX through XXXX. The booking, charged at {$5000.00}, was shown as XXXX XXXX on my credit card statement and was made under itinerary number XXXX with a departure date of XX/XX/XXXX. 

Subsequently, due to unfolding COVID-19 circumstances, I rescheduled my departure to XX/XX/XXXX. Said action resulted in a decrease in fare to {$3000.00}. During this process, XXXX gave written assurance ( available as email proof ) to provide a difference of {$1900.00} ( $ XXXX {$3000.00} ) as future travel credit with XXXX XXXX XXXX 

In XX/XX/XXXX, as COVID-19 situation continued to cause uncertainties, I cancelled my travel plans after speaking to XXXX as they confirmed over phone that the ticket value will be available as travel credits and can be leveraged for a same flight on a later date between the same origin and destination and same passengers. However, a partial refund of {$1900.00} was credited back to me in my credit card and none of the other assurance of a future travel credit was availed to me. There was no explanation provided as to why {$3000.00} is being charged and no further explanation was provided. 

Since, no clarification was provided on the remainder of the refund amount or fulfilment of the promised booking credits. Thus, I lodged a complaint - complaint number XXXX- with the Department of Transportation ( DOT ) to secure proper refund. 

On XX/XX/XXXX, in response to my complaint, XXXX offered an explanation ( attached ) and issued a refund of {$3000.00}. I assumed that the matter was closed. 

Yet subsequently, on XX/XX/XXXX, four transactions from XXXX XXXX totaling the exact refund amount ( {$3000.00} ) were processed on my credit card. 

In reference to DOT case XXXX, I reopened the case, reporting that XXXX unfairly charged my credit card ending with XXXX. XXXX responded ( attached ) that they did not initiate any charge. 

I raised complaint to Citi, also contacted XXXX XXXX and XXXX. Both XXXX XXXX and XXXX denied any transaction However XXXX XXXX has responded to Citi that they believe that the transaction was genuine and they have charged the account. 

On XX/XX/XXXX - Citi reversed the charge and asking me to pay when I did not authorize any transaction. XXXX XXXX never communicated anything with me. My communication was with XXXX. XXXX initiated a full refund on XX/XX/XXXX and closed the DOT case and I assumed the matter closed. Now XXXX XXXX is extracting the same amount from me without any communication or consent. 
I consider this a fraud as XXXX XXXX did not communicate anything before charging {$3000.00}. I complained to Citi about this charge with all the supporting evidences, but Citi cards is not paying any attention to the case history and reversing the temporary credit that they applied on my request to designate the charge as fraud. 

I am looking for justice
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX sold an invalid debt to Midland Credit Management and now Midland Credit Management is threatening to sue for this debt. I never opened this account, never authorized this account or had any knowledge of this account. I was first made aware of the situation when it first appeared on my credit report in XX/XX/XXXX. The account showed that it was already XXXX  days past due even though it was not reported on my credit reports in previous months. I then did research and learned how to dispute the false account. In XX/XX/XXXX, I mailed multiple dispute letters via certified mail to XXXX requesting they remove the account and provide details and statements so that I could better challenge this debt. I did not receive any of the requested information from XXXX I challenged the information directly with the credit reporting agencies and after their investigations, all XXXX deleted the fraudulent account from my credit files in XX/XX/XXXX. 

XX/XX/XXXX this account resurfaced on my credit reports as a collection account by Midland Credit Management. I received a notice dated XX/XX/XXXX from Midland Credit Management that threatened to sue me if I did not pay by XX/XX/XXXX. I have filed disputes with Midland Credit Management thru their website and sent a dispute letter via USPS today. I have also challenged this account thru the credit reporting agencies. I don't have confidence that they will correct this issue in a timely manner ( if at all ) since they are so quick to threaten legal action. I ask that you intercede to right this unfair collection action by both XXXX and Midland Credit Management.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$750.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Since this is my second request, I will also XXXX provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX  ) to seek their assistance in resolving this issue. Please find below my reasons for dispute : XXXXXXXX XXXX XXXX XXXX  and the following inquirires XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I attempted to pay off my private XXXX XXXX loan. I have been struggling with payments through covid but came into money and this was the first thing I attempted to pay. I have an old email on file ( and this loan is still in my maiden name from almost 10 years ago ) I received a confirmation on the webpage that the payment had processed. They emailed me saying it actually was declined. My account had way more in it, so no reason for my bank to decline. I check my old college email about once per month so assuming I was ok I did not check again. 

When I checked my old email on XX/XX/XXXX I found something saying I would be in default today XXXX. I immediately called them right when they opened to pay again but was told " nothing they could do. '' And that I had to go through collections. They harassed me about not checking my email sooner and said it was final and I would have to take the hit on my credit. I was told that I had " accessed my account multiple times through XXXX since the payment '' THIS IS NOT TRUE. I was told " maybe your co signer accessed it. She has XXXX and is in a home so .... Also NOT TRUE. I began to get upset at this blatant inaccuracy and tried to explain but I was told I am simply wrong and there is nothing I can do. My account is currently locked and I can't access anything without a password reset or speaking to a representative. So how could I have checked? 

All I want to do is pay this loan off which has been ruining my life since college but they refuse to help me unless I go through collections which will ruin my credit.