23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX, I had a XXXX and went to see a dentist who told me that I needed to have at least XXXX would continue to come back. The dentist told me that the cost of the procedure would be {$1500.00} copay. I could not afford to pay that so I went to see another dentist XXXX. XX/XX/XXXX I went to another dentist XXXX and was quoted {$1200.00} for the same problem including XXXX. I told them that I did not have the copay of {$1200.00} but i wanted to have my XXXX. The doctor sent to me receptionist who told me that a company called care credit can offer me a credit card to cover the cost. I agreed to the terms because the receptionist explained that the company does not charge any interest if I pay the balance in 12 months but they charge interest during the course of the year which will be returned to me if I pay the card in full. I signed the paperwork and had the procedure done. The dentist ended up removing XXXX because she found problems with more XXXX. My son who is in school needed to have his XXXX. the dentist said he would benefit from XXXX which cost {$800.00} copay. The receptionist told me that care credit had agreed to increase my credit limit to {$2500.00}. I was paying the credit card monthly with late fees assessed at times until XX/XX/XXXX. XX/XX/XXXX I called care credit to ask how much I needed to pay off the account. They told that I owed {$2500.00}. When I asked them if I was going to get a refund of the interest that I had paid they told me that I was not eligible for any interest. I decided to make payments to my insurance so that I could pay care credit off the following month. When I called to pay off the {$2500.00} they told me that they had added {$400.00} plus at the end of XXXX for the initial credit and that they had another {$440.00} in XXXX for the second account. They refused to accept a settlement of {$2500.00} at the end of XXXX citing that even if I pay {$2500.00} the interest will continue to accrue. It is then that I paid {$320.00} to cover the balance due while I discuss with customer services how the deferred interest was explained in a different way to me by the receptionist at the doctor 's office. I exhausted all the avenues of negotiating with the managers who all told me that the information I received was wrong.I then called your office after reading about care credit on the internet. I told care credit to stop calling me because I was getting legal services to handle the case. In the meantime I asked them to send me the previous statements so I can submit them to your company. The following month when I was trying to make a payment I was told that my monthly payments had gone up from {$94.00} to {$150.00} because my new balance was {$3500.00}. This has greatly affected my credit score and its impacting my daily life as I can not apply for credit as long as this issue is unresolved. 
I can not afford to pay this much amount as I am in school and I also feel that the company is fraud. They did not explain to me how their care credit deferred interest works until this year. If I knew about this I would not have taken the credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to have fraudulent inquiries and accounts removed from my credit report with Transunion, XXXX  and XXXX through customer service but they were unable to help me so, I opened disputes that never cleared this fraudulent data from my report
Product: Mortgage

During XXXX of XXXX, I made an extra payment that should have gone entirely toward principal in the amount of {$40000.00}. My servicer at the time ( Franklin American Mortgage Company ) broke this payment up into 8 separate payments that were applied as follows : XX/XX/XXXX {$1200.00} ( future payment ), XX/XX/XXXX {$10000.00} ( Principal payment ), XX/XX/XXXX {$1200.00} ( future payment ), XX/XX/XXXX {$10000.00} ( Principal payment ), XX/XX/XXXX {$1200.00} ( future payment ), XX/XX/XXXX {$10000.00} ( Principal payment ), XX/XX/XXXX {$1200.00} ( future payment ), XX/XX/XXXX {$10000.00} ( Principal payment ). So, a total of {$37000.00} was correctly applied to principal, however {$5000.00} ( or 4 payments in the amount of {$1200.00} ) was not applied. I continued to make my usual payments each month, which pushed those 4 " future payments '' further out until my loan was sold to XXXX XXXX and they notified me of the future payments and applied them to my balance in XXXX of XXXX. I am concerned that I was never notified of the unapplied funds while with Franklin American Mortgage Company and paid a much higher interest payment each month for years, because the funds were not applied correctly. My current balance should actually be much lower.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft due to a data breach, and I am requesting that the following fraudulent accounts and inquiries be blocked and deleted from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened or accessed without my authorization using my stolen information.

Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I received a notice ( XX/XX/2023 ) from Bank of America that my credit card was expiring and that I should be expecting a new card in the mail soon. Please note that I have not used this card for over a year since my XXXX credit card has better rewards. 

A couple of weeks went by and I still did not receive the card. So I went to check my account online and I see numerous charges on the card that I clearly did not make. 

XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL {$250.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$260.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL {$260.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL {$260.00} XX/XX/2XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL {$270.00} These are the only charges to the Bank of America credit card in over a year ( I have not touched this credit card at all ) and the transaction were made all across the state of Florida. I live in XXXX XXXX and have not been to anywhere close to these other cities. I did not receive any suspicious activity alert or notice from Bank of America. I suspect the new replacement card was stolen when it was being mailed to me. 

I immediately called Bank of America to explain my situation and file a claim and dispute all these transactions. A week later, I received a notice saying my claim was denied. I called their Fraud Claim department again, and asked why it was denied and had to explain my situation again. They said they made a mistake and did not note that the card was stolen and said that they were going to re-open the claim for further research. 

Across the months of XXXX through XXXX, I had called them approximately 12 times regarding this claim, explained my situation again and again and to have it reopened. Every time I call, I keep getting re-assured by their Fraud Department that they clearly understand my situation and will make sure to relay it to the claim reviewers. I just received another notice saying the claim was denied once again, because the transaction was chip use. They completely ignored the fact that it was stolen. 

I received a billed statement ( $ XXXX ) for all these charges and the due date is coming up. I do not want my credit history to by impacted by any late fees for these ridiculous charges. 

I am extremely frustrated and am trying every approach to get this resolved as soon as possible. I am at my wits end and desperately in need of assistance. Please help. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am going through a business process for my a new job. I had my credit report pulled and I found all types of errors and bad information on my report the following addresses are not mine please delete/remove : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX I would like the following numbers removed they do not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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

XXXX; Experian and XXXX are reporting incorrectly a charge-off on the XXXX   - partial account number XXXX.  (Please see pages 11 and 12 of the attached credit report.)  This account was settled and paid-in-full over five (5) years ago.  This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report.  I have contacted the (3) bureaus to remove this, however I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX im requesting that the 3 consumer reporting remove any security freezes as well as fraud alerts from my consumer report as of today XX/XX/22
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Experian requesting that they correct this erroenous account being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue Experian for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXX XXXX Late Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  Balance {$360.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$2700.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$50.00} Open Date XXXX XXXX, XXXX XXXX XXXX FIN Balance {$3200.00} Open Date XXXX XXXX, XXXX XXXX. XXXX Balance {$1100.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance {$880.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$620.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$560.00} Open Date XX/XX/XXXX XXXX XXXX {$470.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I ', really tired and sick with these XXXX. Should be there be any updates on my inquires, I " gon na go to court. 

CHARGE-OFF/COLLECTIONS : XXXX XXXX XXXX XXXX XX/XX/XXXX {>= $1,000,000} INQUIRIES : Creditor Name : XXXX  Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX  Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX Date of Inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

I purchased an item online at XXXX XXXX on XX/XX/XXXX. The item was a gaming PC that costed {$1700.00}. I checked the tracking number one day and it was marked as delivered, but I did not receive it. I called XXXX XXXX  about it looking for them to resolve it and they did not help. They told me it was out of their hands. The item was signed by someone that I do not know and I told them that. They also told me it was delivered to the house 4 houses down on the street that I live. And I do not live 4 houses down my street. They still refused to help me. I called my bank Chase to help. 3 months later on XX/XX/XXXX, I was told that my dispute was denied and that my bank can not help me.
Product: Debt collection

This company is calling me at all different times of the day. Here are a few samples of times they have called. 
ALLIED INTERSTA ( XXXX ) XXXX XXXX PDT Sun. XX/XX/2015ALLIED INTERSTA ( XXXX ) XXXX XXXX XXXX Sat. XX/XX/2015ALLIED INTERSTA ( XXXX ) XXXX XXXX PDT Thu. XX/XX/2015And it goes on and one.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I sent a letter to the credit agency disputing an account on my credit report that was not mine. I never had any account with XXXX  XXXX XXXX XXXX. I ask for the credit agency to investigate and remove this account from my credit report. I received a letter dated XX/XX/2022 from XXXX  XXXX XXXX XXXX stating that my account was paid in full. I never had an account with this company. The credit agency did not do a throughout investigation The credit agency did not provide the method of verification used to verify this account. The credit agency is also reporting this account was discharged in bankruptcy which is also inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

PREDATORY LENDING, UNAUTHORIZED CREDIT INQUIRY On Friday, XX/XX/XXXX, I was contacted by Quicken Loans, who is the Servicer for a mortgage I have with with Quicken Loans. XXXX said she would like to review my account and see if there are any refinance offers available. I needed to run to a meeting, so she said she would look into things on her end and asked me if she could " pull up a copy of my credit report ''. It sounded like she was reviewing my account and looking at a copy of a credit report they already have on file. 

I then received a notice from my credit monitoring service that all three credit bureaus had receive a hard credit inquiry. I notified Quicken Loans that I did not authorize the credit inquiry and they refuse to remove it. 

My phone number is also on the do not call list, so this was an unwanted solicitation that I was led to believe was a discussion about my account. 

Finally, I was contacted by XXXX XXXX several days later saying to let him know if I want to consolidate " all that cc debt '' Thank you
Product: Credit card or prepaid card

On XXXX I called FIDELITY XXXX XXXX VISA at XXXX spoke to a Rep. to reqeust {$14000.00} overpayment refunded back to my home address. 
Next day XXXX, I called back to confirm, I was told that I had to wait for 14 days for them to review and cut a check mail to my home address. I asked the Rep. that Fidelity VISA needs to keep my money for 14-day, the rep. said she had no idea. 
I continuely called them for 6 times, spoke to different Rep. and their supervisors ; but none of them were able to answer my qeustion but just asked me to wait for 14 days. I reqeusted to have their payment research department manager to call me back to discuss, none of them called me back since. 
On XXXX, without my consent, all the suddent, I received a letter from XXXX from their payment research department indicating that without my consent, she sent {$14000.00} to another fianncial instituation where I did nto owe money to ; not only did she not sending money to my home address, neither the dollar amount was not my original reqeust ( I only reqeusted {$14000.00} ). 
The same day I called again 7th times spoke to their XXXX XXXX, she still had no idea why XXXX did that and told me that a supervisor will call me back ; but no one called me. 
Then, I called the other financail instituation, they said since I did not owe them money, they can not accept money from Fidelity VISA.

FIDELITY VISA is practiceing business illegally, they did not comply my original request, refused to return my money reqeust back to my home address and refsued to provide a reason why per my reqeust; but took 14 days to do illgal action, without my consent, which was never my rerqeust originally.

I'd like to have the comsumer affair dept. to investigate FIDELITY VISA and reqeust FIDELITY VISA to refund my money {$14000.00}, plus intersts of 10 % for holding my money this long of {$150.00}, total {$15000.00} mail to my home address no later than XXXX.
Product: Mortgage

I put it in federal court, FTC, FBI, I am being retaliation upon. I lost 6 laptop in the past 5 years. This is what cost me my job in 2015 XX/XX/XXXX. 
I have been data breached so bad that my info is in other countries, not only is this a problem foreclose. i am in trouble for tax evasion from other countries that I am just finding out about. 
The mistake of data breach, ID Thief. Has about made me a XXXX   person. 
see the doc from the attorney general.
Product: Credit card

This company is reporting multiple late payments that are erroneous and unverifiable When I call them, they tell me that there is nothing that can be done. They leave me long times and promise for supervisors to call me back that never do. 

Staying on the phone for more than an hour I had let this company know that they were in violation of the federal law and they did not care one bit I let them know that 15 USC 1666B states the following : Section a states : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including information required by section 1637B of this article is mailed or delivered to the consumer not later than 21 days before the due date During my investigation, I asked everyone I came across if they could provide me with the tracking number of the periodic statement that was mailed or delivered 21 days before the payment due date along with the information required by section XXXX637B, They kept repeatedly telling me that there is nothing they are going to do I personally believe that the audio calls can be accessed from my call, well, showing up supporting evidence that this company is in violation of consumer laws, Specifically, the FCRA 15 USC 1681a, 15 USC 1681S-2, 15 USC 1681N , And timing of payments 15 USC 1666B I dealt with the following people XXXX Employee XXXX XXXX XXXX Employee XXXX XXXX
Product: Mortgage

I took advantage of the Forbearance Covid19 program through Specialized Loan Servicing in XXXX. The Forbearance program began on XX/XX/20 and ended on XX/XX/20. I called on XX/XX/20 to setup payments as instructed By Specialized Loan Servicing. I setup the payments on XX/XX/20 to get everything caught up and made the first payment that day for {$480.00} per their instruction. In XXXX I applied for a loan through another company to purchase a house, Initially my credit report came back fine. The loan company ran my credit again just to verify and it had a 60 day late payment on there from SLS. I called and asked them what the issue was and through several calls I discovered that they had applied my first payment listed above incorrectly and then falsely reported on my credit that I had late payments. I requested a letter from them saying that they reported incorrectly on my credit and they refused.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

To whom can help, I submitted a dispute on XX/XX/2021 to XXXX, Equifax, and XXXX  of items that were alleged to belong to me that are being reported on my credit report. The 30-day time frame is outlined in the FCRA 611 ( 15 U.S.C. 1681I ), which has passed and they are out of compliance. This is not good for them to keep reporting this inaccurate information that is staining my credit report, which I've worked hard to build. For all I know this could be linked to the Equifax data breach are. I would like this information removed immediately or I will seek litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX This account is inaccurate Please reinvestigate this account and delete this immediately