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

I am writing to express my dissatisfaction and concern regarding an overcharge on the interest applied to my credit card account. I recently reviewed my credit card statement and discovered that the interest charges were significantly higher than anticipated, leading to an unfair financial burden. I believe there has been an error in my account 's calculation or application of interest. have carefully reviewed the terms and conditions of my credit card agreement, and there were no indications of an impending increase in the interest rate or any corresponding changes in the market conditions that would justify such a substantial increase in interest charges. 

I kindly request that you conduct a thorough investigation into this matter and explain the reasons for the overcharged interest. I expect transparency in understanding the factors that contributed to this discrepancy, including any potential errors in calculations, changes in interest rates, or other relevant circumstances that may have influenced the higher charges. Additionally, I would appreciate an adjustment to my account to rectify the overcharged amount promptly. I trust that you will take immediate action to address this issue and ensure fair treatment through your commitment to customer satisfaction. 

If necessary, I am prepared to provide any supporting documentation, such as previous statements or records of payments, to facilitate the resolution process. I expect clear communication and timely updates regarding the progress of this investigation, as well as a prompt resolution to this matter. Thank you for your immediate attention to this urgent matter. I trust that you will promptly rectify the situation and restore my confidence in your company 's commitment to fair and transparent practices.
Product: Credit card

I went to pay my monthly bill and the amounts offered were total balance and instead of having the last statement balance ( as had always been offered before ) there was a new amount offered. It was {$20.00} less than my last statement balance. ( This is the payment amount that would have been made had I not made a payment to prevent a late fee ). This is a change that is deceptive and meant to intentionally cause the customer to under pay and incur an interest charge. I had always paid the last statement balance offered on the bill paying platform and then cancelled the automatic payment. 
The new paying format offers the amount on the last statement balance minus the automatic payment. This caused my last statement to be under paid by {$20.00} and an interest charge of {$16.00}. 
This is a deceptive change and it caused me to incur an interest charge that I should not have been charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 5. Identity Theft XXXX XXXX XXXX Case Number : XXXX As A Consumer By Law This bankruptcy Must Be Removed Immediately. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. Identity Theft XXXX  Account Number : XXXX Delete this account. 
9. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX 12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX  XXXX 13. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
15. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of buying a house, everything was fine until we needed a credit report from XXXX. We did not have any issues from XXXX  or XXXX, only with XXXX. I have an account at Wells Fargo since XX/XX/XXXX. The people of XXXX said that they have not received any report about me from Wells Fargo in years, that the last one was with an address from Arizona where I lived from XX/XX/XXXX to XX/XX/XXXX. So, I called Wells Fargo bank about this issue and explained my problem to them telling that I was in a hurry, that I am in the middle of an escrow and that the only thing that we needed to move forward was to get that credit report from XXXX, and that the guys from XXXX needed the information about me from the Wells Fargo. The person at Wells Fargo checked and said that they have been always reporting to XXXX. I called back XXXX, and that was the main issue here, XXXX  and Wells Fargo have been blaming each other and the problem is not yet solved. 
My realtor and the guy from the financial services have been helping me and my wife with this. I added my wife to my credit card months ago, she is the co-borrower for the credit that we need to buy this house. The guy from the financial services discovered that the Wells Fargo had frozen my credit reporting, we were totally unaware of that fact. We called again Wells Fargo now about this issue, XXXX XXXX ( the  guy from the financial services ) was on the line, he proposed the conference call. We called Wells Fargo and he explained the situation, and we were put on hold, with the new person on the phone he had to explain everything again, I passed the phone to my wife and I told them that I authorized my wife to do on my behalf whatever that needs to be done. I had to leave because I have a job to attend. XXXX and my wife were about two hours on the conference call with Wells Fargo, being jumped from one person to another, waiting in between and having to explain all over again every time. The last person to who they have to talk was the one from the dispute department, it happens that they put a dispute about my data regarding the XXXX  case, all my information was frozen and that has caused a even further delay because the administrative process to unfrozen it takes several weeks. 
Now we lost that house, the seller can not wait any longer and now they are selling it to another buyer. This has caused us too much stress and we have lost a lot of time and also money, the direct expenses in which we lost money were for the inspection of the house ( {$370.00} ) and for the rapid rescore agreement ( {$240.00} ) with the XXXX XXXX XXXX. Other expenses were the fees for the rescheduling of our summer trip and the extra cost of our current rented apartment because the contract is over and we are in a monthly base arrangement.
Product: Credit reporting, credit repair services, or other personal consumer reports

After separation from my ex-husband, and subsequent divorce, I came to find out that I was still listed on our joint bank account and the balance had fallen into the negative. The negative balance associated with this account was well over {$1000.00}. I was fully unaware of the negative status of this account, and certainly had no idea that it had been charged off. I am still unsure of how it is legal for a bank to allow such an excessive charge to pass through, when there is no money in said account. In the terms of our divorce decree, it is stipulated that any and all debts incurred during the time of our legal separation are the financial responsibility of the party who acquired them. These charges were incurred solely by my ex-husband, and the bank associate even confirmed that it was clear to her, that the only debit card in use was his own personal card. Mine was entirely inactive. Even after calling in and pleading my case with the bank and offering to provide proof in the form of divorce documents, there was no consideration made to removing me from the liability of this debt. This debt affects me in two critical ways : I am unable to obtain any new bank accounts in the future until this debt is fully paid, and secondly, it is strongly impacting my credit score in a negative way. As a now single mother, I simply can not afford to pay for the gross financial irresponsibility of my ex-husband. That being the case, I feel XXXX should reconsider my request to remove my financial liability from this account, and the continuing mark on my credit, and be satisfied in pursuing XXXX XXXX for his debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account report late payment : Account info Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$560.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$47.00} Credit limit {$1800.00} Highest balance {$560.00} Terms - Payment history XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Current / Terms met 30 Past due 30 days XXXX Past due 60 days Payment history guide 60 days past due as of XX/XX/XXXX, XXXX XXXX 30 days past due as of XXXX XXXX, XX/XX/XXXX By XX/XX/XXXX, this account is scheduled to go to a positive status. 
Balance history XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Additional XXXX XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$1800.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Product: Money transfer, virtual currency, or money service

On or about XX/XX/year>. 
Our Company XXXX XXXX XXXX XXXX [ operating in California ] has been defrauded by website XXXX  Initially XXXX XXXX XXXX XXXX made a general inquiry online about the XXXX services - providing only general business information that would not allow any money to be removed from XXXX XXXX XXXX XXXX bank accounts. 
XXXX XXXX XXXX XXXX did not request or receive any XXXX services. 
Though XXXX found a fraudulent way to extract money form XXXX XXXX XXXX XXXX business account. 
XXXX XXXX XXXX XXXX immediately disputed the transaction with US Bank banking provider and XXXX. 
Bank provider will not assist with retuning funds even though the banking information XXXX used to obtain the funds does not match XXXX XXXX XXXX banking institutions information requirement to release funds by ACH. 
- XXXX by email acknowledged their banking error/fraudulent practice and agreed to return the funds to XXXX XXXX XXXX XXXX 
After 3 months of email correspondence and telephone calls to XXXX the money has still not been retuned to XXXX XXXX XXXX XXXX account. 
The banking institution releasing the funds through improper banking info is wrong, and XXXX  taking/receiving funds and not providing services, nor returning the funds is fraudulent. 
Please advise how the Federal Trade Commission may assist with the matter of returning the funds to XXXX XXXX XXXX XXXX and how to stop banking institutions from releasing funds ACH without the legal required banking information and how stop XXXX from continuing fraudulent business practices towards US citizens. 
Regards. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX 2017 Autovest, LLC delivered an affidavit for garnishment to a training center that I work out of. I 'm an XXXX XXXX XXXX on XXXX full commissions contract with the company, so I travel a lot. When the forms were delivered by the Sheriff, I was out of town and the Office Manager signed for the documents, which validated the debt, by law she had to send it to the corporate office. While I was away I noticed that my commissions were short. When calling the home office to find out I discovered that this company was garnishing my checks. I was livid because, I never heard of this company before. And surprisingly, this company IS NOT even on my credit report. I contacted XXXX XXXX XXXX, the attorney 's that processed the order on behalf of Autovest, and they refused to give me any information. I then XXXX  Autovest, LLC and they refused to give me information and directed me back to the law firm. Getting frustrated. I contacted my attorney through XXXX XXXX to seek guidance. They instructed me to go to the court and get original debt documents. Well, the county that issued the court order did not have the original documents, it was sent to them as a foreign judgement from XXXX County, IN. So the XXXX XXXX  representative referred me to an law firm in XXXX county, they told me that because the debt was so old, it was out of jurisdiction for dispute and the only thing I can do is file bankruptcy. Well, filing bankruptcy, would bed pointless, because this debt is not on my credit report! So still I had no idea who the original creditor was, and was finally directed to the XXXX County Records company. There, I was able to get a copy of the original application, which was purchased from some car company called XXXX XXXX, with my name, d.o.b., etc. But I 've NEVER owned a XXXX and never lived at the address that 's on the application. The signature is definitely forged, and it does not have a Picture ID attached to the application. This has been so frustrating, because I 'm still being garnished out of my commissions for a debt that DEFINITELY DOES NOT belong to me. I 'm not yelling at you guys. I 'm just in need of serious help. I 'm exhausting all my options here. And its just not fair.
Product: Money transfer, virtual currency, or money service

As an Employee Promised ( XXXX XXXX % ) Commission on product, warranty, other insurance to protect both the consumer and the consumer ( s ) ( I.e ) unemployment, XXXX, other. 

Did not receive full pay to hours worked correction is required. One attempt was made to correct but is still short of hours- commission or received as promised as other employees were directed to Steal sales even though I my self approved the account for XXXX  XXXX purchase XXXX deliberately given to another sales-man as I went to hour in which The manager demanded I do, seven ( 7 ) accounts were directly given to other employees with addendums to make the adjustment for the sale to justify as the other sales-man. Attempted Just because I was waged at {$15.00} per hour and the other sales-men waged at {$10.00} still below the base wage per the state of XXXX. Sales commission are not being distributed as per employee to employer contract in which was in fact signed and accepted. Commission pay should include a percentage on products, unemployed, XXXX, short term and life term with or with a peer of attorney from another party pertaining to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint today to inform the Credit Reporting Agencies about the damaging data they are reporting on my Credit File. After researching how to remove fraudulent items from my report, I discovered that I need to visit the Federal Trade Commission ( FTC ) or https : //www.ftc.gov to file a report. According to FCRA section 605b, the Credit Reporting Agencies are required to remove and block any accounts and information listed on an ID Theft Report. Upon recently receiving a copy of my credit report, I was shocked to find several accounts and inquiries that I did not open and have no knowledge of. I have attached relevant documents to assist in the blocking of this erroneous information from being posted on my report. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. I firmly believe that this is a case of fraudulent activity, and I am taking steps to report it to the authorities. According to FCRA Section 605B ( a ), the Credit Reporting Agencies must block any information in the file of a consumer that the consumer identifies as information resulting from the fraud, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed a copy of my credit report and found several discrepancies in my accounts. These inaccuracies are negatively impacting my ability to secure credit. I understand that you will investigate these issues to ensure their accuracy. 
Please verify the following items for correctness : XXXX ( XXXX ) XXXX XXXX XXXXXXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX, XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have a public record reporting on my credit report that the debt was not paid. I have a release settlement letter dated for XX/XX/XXXX that was paid and settled. It continues to appear on my credit report as a Judgement. I called a month ago and XXXX XXXX had the letter of settlement on file and as of today it is still on my Public report. I have been turned down for XXXX because they have not removed it. the reference number is XXXX. I have another XXXX on my public record for the same thing XXXX agencies also a medical debt that was satisfied in XX/XX/XXXX still showing on public record for XXXX XXXX and needs to be removed. the reference number for that is XXXX
Product: Vehicle loan or lease

XXXXXXXX XXXX don't provide statement for my loan. And call me every day asking for payment. My online account does not show the progress of payments, how much interest I paid. 4 months charging me a fee. How will I know how much I have to pay if I can't see my statement?
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, Coinbase withdrew {$2300.00} from my account without prior authorization and no services/goods rendered. They stole my money directly from my account, resulting in withdrawal and overdraft fees. Called Coinbase, was on hold for 2 hours before I hung up. Emailed them, have not received a response.