23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I realized after having this card for almost a year that I was suddenly being charged a huge amount of interest, over 33 %! I have a credit score of over XXXX and have not made any late payments, so I thought it must have been error. I contacted the company and they stated that they are allowed to do that when there is balance. This didnt make sense to me at all and I expressed this but they said there was nothing they could do. So I immediately said close this account and paid off in full {$570.00} to be done with this deceptive company. Then I get another bill for the next month saying I owed another {$12.00} for interest. I contacted them again stating that my balance should be {$0.00} since it was paid in full by the due date and it should not have accrued any more interest. They continuously respond Saying this : We understand your concern with the recent finance charge. Based on recent change-in-terms regarding the " grace period '' for finance charges that went into effect on your account on XX/XX/2022, this finance charge is valid. Per this change : We will charge interest on your account if the balance is not paid off in full by the billing due date. In other words, if you don't pay off the full balance by the due date. We also will charge your account interest on any balance carried over, plus any new purchases made, starting the day the purchase posts. 

I respond back saying I had a {$0.00} balance so no more interest should be accruing, but they just reply with the same thing and I get nowhere with them. I also keep seeing on the bill and Im my online account that I have my full Line of Credit available when I have repeatedly told them to close my account. I will never charge anything the Comenity Bank again! BUYER BEWARE! Do not get any store cards that use Comenity Bank. This deceptive company should be held accountable. I would have never agreed to 31.2 % interest with having excellent credit history. I would have just used a different card with a low interest rate.
Product: Student loan

I have two consolidated loans for XXXX and one for XXXX I didn't apply for loans nor did I do a consolidation of my loans in XXXX XXXX XXXX I have been going back n forth with Nelnet and my school about this as I believe that their is fraud going on with regards to my school which is too XXXX  The director of financial aide has accepted my loans for me and also has applied for deferments without my consent.
Product: Credit reporting or other personal consumer reports

Equifax is currently reporting an incorrect address on my credit file. The reported address, ( XXXX XXXX XXXX XXXX XXXX PA, XXXX ), is outdated and inaccurate. This erroneous information is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), which mandates that consumer reporting agencies like Equifax ensure the accuracy of the information they maintain. Additionally, Equifax 's reporting of an outdated address violates my rights under the FCRA to have accurate information in my credit file. I would like to emphasized that I do not reside at the address mentioned above. Therefore, its inclusion in my credit file is entirely inaccurate and misleading.
Product: Credit card

ON XX/XX/2024 I went to my local shell station ( where I normally get gas up ), and put my shell card into the gas pump to pump gas ( To fill up ), as I normally do and the card was declined, the pump gave a message that said, " see cashier ''. So I went into the station and gave the card to the clerk she said " go ahead and fill up, she would slide the card when I got through pumping gas '' .So after filling up I went back in and the card was declined again ... SO I called the number on the back of the card and a rep ( female ) came on the phone and I asked here what seems to be the problem with my credit card. She asked me a bunch of security questions and then told me after about 40 minutes on the phone, that I would be receiving a communication from them and when I get it, fill out the form and fax it back. I still don't ' know why the card was declined, it was paid up, ( current ), never received a letter about anything ( XXXX ) or anything like that, never been late with a payment, always paid the bill on time each month ( early as a matter of fact every month ). I go to noticing my paper statement and it has the last four digits listed on statement shows different than the last four numbers on the card, why I don't know. But, it's been that way since I've had the credit card and I have never had any problems before. I ask them to tell me why the card was declined and they would not tell me unless I receive the form, fill it out then return the info ( By fax ), then go from there. It's been about a month since I have used the card and I have {$670.00} available credit if I need it, and i only use it from time to time to pay for gas at the pump. I called XXXX to " Try '' and discuss with Corporate employees the reason why the card was declined at the XXXX XXXX, and could not speak to anyone, ( don't ' know why ). I was a victim of credit card fraud on XXXX other credit cards two weeks ago ( New cards were issued ). I tried to speak to another rep, but could not understand their speech...
Product: Debt collection

Here is your Cease and Desist Letter to stop debt collector harassment. You can customize it with your details.

Cease and Desist Letter ( Use this to stop a debt collector from contacting you. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Letter R

equest to Stop Communication To Whom It May Concern, I am writing to formally request that you cease all communication with me regarding account number [ XXXX XXXX XXXX  ], in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ). From this point forward, you may only contact me to : Confirm that you will cease communication. Notify me of specific legal action you intend to take. Any further contact beyond these reasons will be considered a violation of my rights under the FDCPA. If you fail to comply, I will report your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. This letter does not acknowledge any debt, nor does it grant permission to contact me in any other manner. Please confirm receipt of this request in writing. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit inquiry dated XX/XX/2017 from XXXX that I did not authorize.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ). Due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

When my student loans came due in XX/XX/2009 I was told by XXXX then XXXX that if I agreed to a capped monthly loan and paid it for 10 yrs without missing a payment that as I work for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX that my debt would be canceled after the 10 yrs. In XX/XX/2009 I sent paperwork into my loan holder to make sure I would qualify. 
Now at the 10 yr mark, I am being told by my current loan holder ( XXXX US Dept of Ed ) that my loans were transferred to them and I did not fill out the right forms and I was in the wrong payment plan. When I challenged this as I was never made aware of 1. The loan transfer and 2. I was never informed that I needed to complete new forms. 3. I never missed a payment in 10 yrs! I cant get the forgiveness. 
I now will have to pay another 10 yrs before I can get forgiveness ; which I totally dont believe they will do. 
I have to complete and have my work fill out forms yearly and I only found out that I cant afford the payment plan they tell me I need to be in. 
This is XXXX! I work in rural Maine with the XXXX XXXX and XXXX. I can barely afford to live and have been lied to by the Loan companys and now the US Dept of Education. I went to school with the belief if I did the work I do, with the population I work with ; my loans would be forgiven.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of incorrect address information on my credit report. The only correct address associated with me is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 

However, my credit report lists the following incorrect addresses, which I have never lived at : XXXX. XXXX North XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXXXXXX I kindly request that you investigate this matter and remove these incorrect addresses from my credit file. Enclosed, you will find a copy of my government-issued ID and a utility bill as proof of my correct address. 

Please confirm in writing once the corrections have been made. Thank you for your prompt attention to this matter. 

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

All information is Incorrect information causing my score to be low. Also reporting old items repeatedly and credit and inquiries that I didn't consent too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my consumer report on XX/XX/2023. I saw a host of inaccuracies on my report and one inaccuracy to my credit limit with XXXX XXXX that cost me 26 against my Equifax score. This has hindered me from applying for a home and establishing business credit. I have all attachments in two seperate zip files for proof I am aware that 15 USC 1681s-2 ( a ) ( 1 ) ( A ) states that any person shall not report inaccurate information and the consumer reporting agency has guidelines for it as well.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : 1. Account Name : XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my Transunion account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

2. Account Name : XXXX XXXX  Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my Transunion account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

3. Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : balance : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate 4. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : balance : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
High Balance : Inaccurate Last Verified : Inaccurate Close Date : Inaccurate 5. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : balance : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Date of Last Activity : Inaccurate Date Reported : Inaccurate Close Date : Inaccurate 6. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX account. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 


These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company from my information Transunion. Please delete the following accounts. creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING XXXX ACCOUNT # XXXXHAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A STATES I HAVE 602A. 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.
Product: Debt collection

Company is reporting this on my credit report to Credit Bureaus XXXX XXXX and XXXX. They have not provided me with any information to verify this was my debt. I never heard of this company and I do not owe any debt to this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I called the US Bankruptcy Court of Delaware that is located in XXXX Delaware to ask if they were contacted by XXXX or XXXX credit bureaus, I was informed that no one has contacted hem on the behalf of me nor would they provide any information to any third parties. The bankruptcy court also informed me that they do not provide any information over the phone so I was very confused by the fact that both credit bureaus has stated they have verified the bankruptcy to be 100 % accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 SECTION 603 ( 3 ) ( E ) STATES ; The term " investigative 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 with whom her or she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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.

According to : 15 U.S.C 1681-2 ( 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 informations inaccurate.
Product: Credit reporting or other personal consumer reports

These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXX XXXX  Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX, 2020 XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/2020 XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/2020 XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, 2020
Product: Credit card or prepaid card

Barclays XXXX Rewards Card ~ XX/XX/22 Tried to log into the account to make a payment, wouldn't allow access, it said information 'password/log in was incorrect '. Upon checking further we saw that the phone # to text us at had been changed and a different email was added to the account. We called ( XXXX ) to correct the information ( XXXX separate times ) after all of our information was given, all security questions answered we were told it had to be passed on to another department, we were told the other dept. was not available/busy, and asked to call back in an hour. After the second time calling we decided to put the card on hold to make sure it couldn't be used. XX/XX/22 ~ Following day tried once again to correct the information on the account were told they would NOT remove the hold that we put on it that they were turning the account over to the fraud department. Fraud dept. demanded a copy of front and back of Drivers LicXXXX, Social Security card and utility bill. We refused ( have been told repeatedly NOT TO GIVE THIS INFORMATION OUT TO ANYONE by police, lawyer and News ). They refused to help at all ~ said there was fraudulant activity on the account ( which there wasn't ~ no claims were made, no activity on the card, bills have been paid on time with no problems ) Would not offer any alternative so we asked to close the account, they refused to do that ( finally did get that done with another supervisor ). Both of the cards have been shredded, account has been closed but they still refuse to let us have access to even PAY the bill. We were told that it would have to be paid by check ( which we haven't done for years ), they wouldn't send an email with the statement due in XXXX, wouldn't make our account accessible to pay via internet and couldn't get the computer system to work in order to change to a paper statement. We have had this card for years ~ never encountered anything like this before and quite frankly are shocked that we were treated like we were criminals!! The woman in the fraud department made it very clear that we did things her way ( sending copies of legal documents etc., for no reason ) or we were out of luck. There is no way to check the account to see what 'auto payments ' were set up to the account, no access to the statements, no way to pay the bill accept via mail. Mail is extremely unreliable right now. It is ridiculous when we did NOTHING to cause this!! We've lost our reward points to top it all off. Please advise.
Product: Credit card

On XXXX XXXX, 2015 I had a disagreement with XXXX XXXX XXXX. I called my credit card issuer Bank of America and informed them of the issue and that I would refuse to pay the charge. I received a letter the last of XXXX to the effect that BofA decided to accept the charges from XXXX. I believe this was a scam on XXXX 's part and BofA had no business making such decision. BofA has since been sending me bills adding fines and interest charges. I refuse to be intimidated and refuse to pay said charges.
Product: Checking or savings account

I received emails and letters saying that my account was closed in XXXX, I still have money in my account, and I have not received the balance check
Product: Credit reporting

I have a collection account that has been placed on my credit report that I have been disputing for over 5 months to get this entry removed. I have spoken with numerous representatives, supervisors, and numerous managers in regards to this erroneous collection and I have yet to get it resolved. I have sent numerous disputes in which I am currently waiting on results. I called and spoke to a representative and inquired how Equifax verifies collection accounts. I want to know this because the account keep coming back verified as mine. I asked the representative to please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the collection account. The representative stated he does not have to disclose how he verifies my collection. I have sent numerous Debt validation letters to the collection Agency, and letters to Equifax certified and return receipt and I have not received a response. Here are some recent letters I have sent to both the collection agency and Equifax. This information was also shared illegally through a ( third party ) without my informed consent
Product: Debt collection

Fraudulent information Block under Section 605B of the FCRA. I have constantly requested the removal of fraudulent accounts and inquiries on my credit report due to identity theft.

The inaccurate information is causing significant harm to my credit, I have constantly disputed these items and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file.

I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this complaint