23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

These are the new interest charges that I have been charged within the last few months starting XX/XX/2020 {$160.00} in interest, XX/XX/2020 {$160.00} in interest, and XX/XX/2020 {$150.00} in interest with American Express. When I recieved this card last year they made it seem as if I would not be charged interest on purchases for a certain amount of months for the balance on the card, not that they would BEGIN charging interest on the balance at a certain date. This is pretty confusing I believeand was not made clear, probably as to entice people accumulate a high balance which could then be charged interest later on. 

So because I have recently been charged this high amounts of interest I called American Express and asked if they could close my account and give me a bill for my balance that I could pay. I was told that this would not be possible, that I would have to let my account default and ruin my credit or I would have to enroll in some sort of program " with the illusion of relief. '' I have been paying my balance down in good faith but with these very high interest charges, my balance basically stays the same though I pay the card down and I continue to be charged the same amout of interest every month making my balance remain stagnant. 

I would simply wish to close this account, and receive a bill that I can make reasonable payments on without a negative effect on credit reporting as I am willing to pay back the balance, and I have been doing so in good faith.
Product: Mortgage

This is a continuation from a previous complaint XXXX. I have been trying for nearly XXXX  months to get my COVID relief foreberance ended and normal payments resumed. I am currently making a monthly payment of XXXX while they are " processing '' this deferral. I need this done ASAP so I can refinance this loan at a better interest rate with a lender who doesnt drag their feet for 7 months. XXXX  months is waaaay too long for this process.
Product: Credit reporting or other personal consumer reports

UPON ME REVIEWING MY PERSONAL AND BUSINESS CREDIT I NOTICE ACCOUNTS THAT ARE, OPENED WITHOUT MY KNOWLEDGE.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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. 


TransUnion Name : XXXX, XXXX, XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Name : XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer : XXXX XXXX XXXX Collecons XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX THE ORIGINAL CREDITOR NATURAL CONSUMER, FCRA RIGHTS HAVE BEEN VIOLATED BY XXXX XXXX AND EQUIFAX. THEY ARE REPORTING A FRADULENT ACCOUNT BY ( ONLINE INFORMATION SERVICES ) ON MY CREDIT REPORT. 15 USC 1681B STATES THAT THE CREDIT BUREAUS NEEDS MY CONSENT TO REPORT ANYTHING ON MY CREDIT REPORT. I XXXX XXXX NEVER GAVE THEM ANY CONSENT TO REPORT THIS FRADULENT ACCOUNT ON MY CREDIT FILE, I NEVER HAD ANY DEALINGS OR BUSINESS WITH THIS DEBT COLLECTOR. THIS INFORMATION IS FALSE MISLEADING UNFAIR PRACTICES.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, 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, 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: Credit reporting, credit repair services, or other personal consumer reports

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 Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of 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. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information below, which appears on my credit report does not relate to any transactions that I shave made. It is the result of identity theft. 

1. Us Dept of Education in the amount of {$1900.00} 2. Us Dept of Education in the amount of {$8900.00} 3. Us Dept of Education in the amount of {$4300.00}
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK, XXXX XXXX XXXX XXXX, XXXX, AK, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Bankruptcy XXXX XXXX XXXX Date Filed XX/XX/XXXX Docket Identifier XXXX XXXX XXXX XXXX XXXX XXXX, AK, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV, XXXX
Product: Credit card

My wife and I have a credit card with Chase ( in her name ) that had a {$9000.00} credit limit. We own a few small businesses and we needed a credit card to make some purchases and gave the card someone in our office to make the purchases. We told them to use the card until it reaches its limit. We expected the card to stop working when it reached it limit at {$9000.00}. Instead {$24000.00} in charges were approved. This is ok with us. We were investing into something and actually happy {$24000.00} was approved. 

Why we are complaining is that Chase now is reporting my wife as 245 % over her credit limit. This is not right if the limit was {$9000.00} the should not have allowed the account to reach {$24000.00}. We asked Chase to consider increasing the line to {$24000.00} or more than {$9000.00} and they have declined the application because this account is 245 % over its limit. Catch 22 basically if you can call it that. 

All we ask is they report the card as at its limit not 245 % over its limit. They refuse and now my wife 's credit score is poor when before it was good.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax due to the inaccurate reporting of multiple debt accounts on my credit report, which includes accounts that are not mine, are listed with incorrect balances, and are being reported as past due despite having been paid in full, causing significant damage to my credit score and preventing me from obtaining necessary loans and lines of credit ; despite repeated attempts to dispute these errors through Equifax 's dispute process, the inaccurate information remains on my credit report, violating the Fair Credit Reporting Act. 

XXXX XXXX- XXXX {$8000.00} XXXX XXXX XXXXXXXX XXXX {$860.00} XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  XXXX - XXXX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX {$770.00} XXXX XXXX - XX/XX/XXXX - {$5200.00} XXXX XXXX - - XX/XX/XXXX - {$3400.00}
Product: Payday loan, title loan, or personal loan

In 2018, I took a loan with Net Credit, totaling {$2600.00}. After paying back {$2900.00}, I began to inquire why my remaining balance was still nearly {$3000.00}, as I wouldn't knowingly enter into an agreement that would cost me double the original loan amount. I see this as predatory lending and try to look out for it when I am shopping loans. Because this seemed to be such a large amount remaining, I stopped payment. Since that time, members of my family and I have received several harassing phone calls from XXXX XXXX XXXX regarding the debt, stating that I now owe approximately {$3800.00}. I have disputed this on my credit report as the remaining balance is now much more than I owed and I was truly confused by their terms, which resulted in the Net Credit account being deleted from my credit report. XXXX XXXX XXXX continues to call me even though I fully dispute the terms of the loan as they are predatory in nature. Upon further research, I discovered that Net Credit was sued and lost over predatory lending in Virginia and are subject to other lawsuits, including class action. As we speak, I am communicating with an attorney related to a potential class action lawsuit filed in California.
Product: Bank account or service

I opened a Citigold checking account in XXXX XXXX using promo code XXXX which offered a bonus of XXXX AAdvantage miles which would be posted to my AAdvantage account within 90 days of meeting the following requirements : " Within 60 days of account opening complete debit card purchases of {$1000.00} using the Citibank debit card which must be posted to the new checking account. And 1 qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. '' The offer code was accepted but I thought it was odd that I was never asked for my AAdvantage account number so I immediately opened a chat window on Citi 's. The bank 's representative informed me not only that I had signed up for the correct promotion, but also that it was " targeted '' to me. 
On XXXX/XXXX/XXXX after meeting the bonus requirements, I opened a chat window again in which a bank representative confirmed that I indeed had met the requirements and the XXXX miles would be posted to my AAdvantage account in 90 days. A copy of both conversations are attached. 
After 90 days came and went, I called Citi to find out the status of the bonus and the rep told me she would open an " investigation '' and the results would be sent to me in a few days time. Upon completion of the investigation, I received the attached letter informing me that there was not an AAdvantage Miles promotion offered in conjunction with the opening of my account. In a follow up phone call, I was transferred to a supervisor who told me that I was never " targeted '' for the offer, despite what I had been told by two of the bank 's representatives. 
If for some reason I was not eligible for the promotion, I should have been informed upon account opening. Not wanting to close the account before I received the miles, I have since been charged {$120.00} in service fees. I am requesting that Citibank credit my AAdvantage account with the promised XXXX miles as well as refunding the service fees caused by their delay in processing the bonus. Thank you for your assistance.
Product: Debt collection

This credit card has not issued me a replacement credit card yet continues to call me asking me to pay a bill on which there are several charges I did not make. Thus a new card being shipped out XXXX months ago! This makes no sense, and they never even asked me if I got the card. Never concerned abou providing me a fresh start
Product: Vehicle loan or lease

Contacted them through mail. They have a fraudulent amount on my XXXX XXXX and XXXX. The balance owed was {$8200.00} and when I started disputing the information the cost went up on my report to {$12000.00}. They said my monthly payments was {$490.00} and they were {$560.00} a month. They have removed the collection from my XXXX report but not XXXX XXXX and XXXX.
Product: Debt collection

I was contacted by Northwest Capital Services at the beginning of XX/XX/2019. They called my mom and friend stating that I needed to call them back because of legal action that could be taken. They wouldnt disclose further information. They were attempting to get phone numbers and addresses from both mom and friend. I called the company directly and was told they were trying to collect a debt that had been given to them from XXXX for failure to pay. I was behind in my payments on this. I was told that if I didnt make some payment today or arrangement to pay that I would be served papers at home or work and would be taken to court for failure to pay and could have my wages garnished. They said making a payment would stop this from happening as long as I made an arrangement. I did NOT know I needed to receive something in writing ( I never did XXXX and did not know I could dispute. I told them I couldnt pay all of it and they were forceful about collecting. Im still in a payment agreement with them of {$230.00} twice a month ( which is financially draining ) because I never received information pertaining to the debt and was unaware that this was an unfair collection practice. Once I agreed they sent an email with a document for me to sign online. I signed this because, again, I was not aware I had any other option and didnt want to be sued. Im still in an agreement with this company and had no idea I could even dispute this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My TRANSUNION credit report is showing, A collection account as open and a {$0.00} balance. This is reported monthly as a derogatory account negatively affecting my credit score. I have filed three disputes this far without any resolution, XX/XX/XXXX, XX/XX/XXXX and one dispute on XX/XX/XXXX. I spoke with with XXXX XXXX XXXX whom confirmed it should be closed and have a Paid in full letter File XXXX showing it is closed. It was paid XX/XX/XXXX and has been revolving and is reported monthly for 5 years and 9 Mos. Also, it is showing open and last reported on XX/XX/XXXX. This appears as derogatory and has high impact to my credit score negatively and shows needs attention to this collection account.
Product: Mortgage

XXXX   2016 ,  Selene Finance w rote and said that I was 18 months behind on mortgage payments, and when I submitted proof of all payments to the lawyer- they sold my account to  XXXX   XXXX  2016  The very first letter from  XXXX  stated that I was behind in paying them, they never send a statement saying how much to pay, or that payments have been received or a payment book or anything.   I paid a company named  XXXX  to help, only to have them ask for more investigational money ... ... I am so tired I could scream ....
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXXXXXX Balance : {$7900.00} ; XXXX XXXX XXXX Balance : {$7700.00} ; XXXX XXXXXXXX Balance : {$9400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXXXXX Balance : {$3600.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT, XXXX  accounts 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 under 15 USC 1681 section 602A states I have the right to privacy 15 USC 1681 section 604A section 2 also states a consumer reporting agency cant furnish an account without my written instructions.

15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
View attachments below
Product: Debt collection

I handled whatever debt via modifications that included all loans years ago. Real Time Solutions is aware of this but claims they somehow acquired a debt I modified and worked long and hard resolving with my creditors. Back in XXXX I filed a complaint XXXX with the FTC against Real Time Solutions to stop harassing me over a debt collection they didnt even rightfully own and has been dealt with directly with my creditors. I would like a cease and desist order given to Real Times solutions as they think they can continue this after all this time when it wasnt valid in the first place. Also note they switch stories on which home they are collecting on my rental or primary residence so they know they have no legitimate claim and are making things up.
Product: Credit reporting or other personal consumer reports

Experian is report inaccurate information with XXXX acct I dispute this account and they verified and did not do complete investigation. They are illegally re-aging this account XXXX XXXX XXXX acct # XXXX Balance {$3100.00} Last payment was XX/XX/year> this account was remove from XXXX due to inaccuracies Experian only bureau report this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XXXX XXXX, 2017 regarding an expired account ( XXXX XXXX XXXX ) still being reported on my Equifax Credit Report. I asked when the account was scheduled to fall off my report. The customer service agent reported that XXXX XXXX XXXX reported the account on XXXX XXXX, 2017 and that it would come off my report in 10 years. All of this information is incorrect but I was not able to convince this person otherwise. He instead insisted that I sign up for monthly credit monitoring through Equifax. This service must be paid for. Reference Confirmation # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Suddenly appeared some hard inquiries on my credit report without my authorization. these inquiries are : XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX
Product: Vehicle loan or lease

Credit Acceptance took a cash deposit, fraudulently signed my name on a cct, listed late payments on my credit report XXXX times although usc 15 code 1666 states they are not allowed to to amongst other violations.