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

XXXX XXXX, 2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX ( XXXX ) XXXX XXXX To whom this may concern. 
I am writing because this credit card company forced me to. They have been doing illegal practices. In XXXX I was told that my account was past due {$9.00} which I corrected it right away after speaking with one of their representatives, which I was told at that point when I paid the {$9.00}, they would adjust the late fee which was not a day old. and return my account back to normal status which never happen. I was asking to go autopay, but I refuse to do so after XXXX XXXX payment went in with no problem. Now we are on XXXX XXXX payment and I find myself over the limit again. I was forced to pay {$11.00} and go on auto pay to keep this from happen to me again. 
This company lies on a continuous basis to get what they want. They lied to me telling me that they would return my account back to normal status and give me back my credit line of {$3100.00} dollars, which never happened, nor did they inform the credit bureau of what happened. They ruin my reputation causing my credit score to drop to an all-time low. I am going to seek legal advice because they're ask me to go paperless which give them the power to handle my credit card. What I mean is they can do whatever they want since you can't see the bill. I paid them in accordance to what my statement is usually billed, they increased it in order to charge me a late fee. Just think about how many people they are doing this to. {$29.00} time one hundred customer would be {$2900.00}. Now do it time 1000 customer. Just keep going. Ask yourself why pay anything on a bill if you know they are going to charge you a late fee, which they do not put to the same month but to the back of the bill which you will never see. 
What I would like is for them to send a letter to the collection agencies, just like they did when they changed the amount of my monthly bill driving me over the limit. I want them to return my credit back to where it was before all of this happen, and for them send me an apology letter. I pay my bill every month. If I didn't want to pay this bill, I would not make any form of payment, nor would I have paid less than what is do. 

Thank you for all your help in advance.
Product: Credit reporting or other personal consumer reports

FTC IDENTITY THEFT REPORT ATTACHED.

All 3 credit bureaus have not removed my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that were severely compromised by XXXX XXXX since XX/XX/2023 after my disputes and XX/XX/2023 legal size envelope with proof mailed to XXXX, XXXX XXXX Transunion. 
XXXX XXXX closed XX/XX/2023 both cards and continues to lace false billing line charges to these cards.

37 times false billing line entries is identity theft and FCRA violations.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of fraudulent inquiries from my credit report. Upon reviewing my credit report, I have discovered several inquiries that are not authorized by me. These inquiries are damaging my credit standing and have the potential to cause significant harm to my financial reputation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I have already submitted a report to the Federal Trade Commission ( FTC ) regarding these fraudulent inquiries and have enclosed a copy for your reference. Despite this, these inquiries are still being reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I demand that these inquiries be removed immediately. 

I kindly request that you conduct a thorough investigation into these fraudulent inquiries and take the necessary steps to remove them from my credit report. I also request that you provide written confirmation once these inquiries have been removed.
Product: Checking or savings account

HSBC advertises an account bonus of {$600.00} ( $ XXXX  monthly ) after account opening. I opened an account on XX/XX/2021 and expected first bonus in XXXX. I contacted HSBC last week XX/XX/2021 and was told they need to check their back end. I have not heard back
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been waiting for a background check for a job with XXXX since XX/XX/2021 the company accurate background keeps telling me that it'll be done in 2 to 3 days XXXX keeps telling me I just need to wait well that doesn't pay the bills so I'd like to file a complaint against accurate background for taking so long to complete the background check
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  reports MONTHLY on all  XXXX  credit bureaus for an account with a balance of  XXXX  it appeas to have started as  XXXX  and possibly connected t o (   XXXX   XXXX   XXXX   ). I h ave tried for a few years to figure out what is going on. I have disputed this with all  XXXX  bureaus at least 18 times to no avail.   XXXX    XXXX   XXXX  shows on the report with the telephone  XXXX  and address of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  XXXX . When i call the number it is the home lo ans ans n ot student loans. The representatives ALL state that I do not have nay student loans with them and the student loans center is closed indefinitely. yet the credit reporting is monthly and renews monthly which lowers my credit report score. I was able to call  XXXX  and the number sends me to the website : nslds.ed.gov. Again I am unble to locate information. I can not get ANY info from   XXXX   XXXX    XXXX  Yet they report monthly. I do have info saying that no payments has ever been made meaning the date of last payment was older than 7 years ago ( per FCRA any account that has not had a payment in 7 years should not show on my re ports ).  The credit bureaus were able to give me that information as well as date opened  in 2004. I w ould not have been  XXXX   in 2004. T his account  XXXX   XXXX  and  XXXX   XXXX   XXXX  need to be removed for many reas ons ans  the most obvious is the age of the alleged accounts and date of last payment. They are illegally reporting monthly and renewing the debt monthly/.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting act 15 USC 1681 law, mandates that rights of a consumer be respected. The accounts listed below has violated my federally protected consumer rights to privacy and confidentiality in relation to the LAW. 

1. Date of Closure : XX/XX/XXXX XXXX # : XXXX 2. Date of Closure : XX/XX/XXXX XXXX # : XXXX 3. Reported XX/XX/XXXX ACCT # : XXXX 4. Reported XX/XX/XXXX XXXX XXXXXXXX XXXX LATE PAYMENTS 5. Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX LATE PAYMENTS 6. XXXX  XXXX XXXX LATE PAYMENT Hard Inquiries 1. XXXX XXXX XXXX Inquire date XX/XX/XXXX 2. XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX 3. XXXX XXXX XXXX Inquired on XX/XX/XXXX 4. XXXX Inquired on XX/XX/XXXX 5. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX All soft inquiries All home addresses Wrong Names These accounts, home addresses, hard inquiries, and wrong names have violated my privacy rights. 

15 U.S.C 1681 section 602 A. States that I have the rights to my privacy.

15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : That No consumer reporting agency may make any consumer report containing any of the following items of information, a ) any other adverse item of information b ) 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: Debt collection

XXXX XXXX XXXX has called me at work multiple times. Each time I have asked them not to call me at work, as my employer is not allowing this type of communication. I have told them to file against me in court, however, they state that they will not and continue to call my work.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 1. XXXX - XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Signed up to receive my credit information from XXXX with the offering of a {$1.00} credit score. Absolutely NO other obvious information informing me of additional charges or membership fees. 

XX/XX/XXXX - I realized that I had two charges on my credit card for the past two months for a {$39.00} monthly XXXX membership. I called the company to cancel my membership and receive a refund for the {$79.00} charged to me. The customer service representative on the phone assured me that my membership would be cancelled and that she would submit my request for a refund. She then proceeded to offer me a number of different options for continuing my membership with XXXX including discounted membership fees, additional services, etc. I refused all of the offerings and insisted that I only wanted to cancel my membership and receive my refund. The CS representative then told me that I could keep my account active for the remainder of the month at no charge but DID NOT inform me that I would have to call back at the end of the billing period to confirm the cancellation of my membership. She made it seem as though everything would be taken care of, I would not be charged further, and that as a concession I would be able to access their site for the remainder of the month. However, this was their way of keeping me on the hook and using deceptive means to keep me paying. 

XX/XX/XXXX - I receive an email from XXXX saying that my refund was not approved because it was outside the billing period. Even though the CS rep told me that I could have it refunded. 

XX/XX/XXXX - I check my credit card statement and realize that I have been charged every month of XX/XX/XXXX for the {$39.00} monthly XXXX membership even though I called and cancelled my account. 

- I then submit multiple requests demanding that I be refunded for all previous months that I was deceptively charged for services I did not agree to pay for and DID NOT USE. 

- I received a refund for 2 of the 7 months that I was incorrectly charged, but I received a denial of refund for the remainder of the months claiming that it was " outside the billing period ''. 


Total Amount Illegitimately Charged = {$270.00} Total Amount Refunded To Date = {$79.00} Total Outstanding Refund Due = {$190.00}
Product: Student loan

I am a cosigner on my nephews personal student loan account with Navient Bank. The original loan amount was {$3500.00}. I've been paying the loan on my nephew 's behalf and noticed Navient was charging me interest on top of interest. They were charging me interest on {$6000.00} ( principle and accumulated interest ) opposed to the original {$3500.00} principle amount. I contacted Navient and complained and was told there was nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax and XXXX XXXX regarding two accounts. I separately sent these four letters to each credit bureau on XX/XX/2022 regarding XXXX XXXX account XXXX and capital XXXX account XXXX. The accounts have been closed for more than 3 years and is still reporting a charged off status which keep restarting the period of 7 years. If they keep reporting the co status it will never fall off my credit. They responded by just sending my credit report nothing else. As stated by the FCRA accounts should fall off your credit within 7 years and at this rate it will never fall off due to repeated reporting. This is a violation and against my rights. I requested they either update or deleted they didnt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX, started reporting a debt on my Equifax report as in collections. Stating that this is an old XXXX XXXX Account. The account in question has been closed since XX/XX/XXXX and charged off by XXXX. Date Reported : XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX, Balance Date XX/XX/XXXX Date Assigned XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Original Amount Owed {$1300.00} Account Number XXXX XXXX Amount {$1300.00} Creditor Classification Financial Status Date XX/XX/XXXX Last Payment Date Status UNPAID Date of First Delinquency XX/XX/XXXX The DoFD has been re aged by this collection agency. I have reprinted copies of my XXXX XXXX XXXX from this account that clearly shows a XX/XX/XXXX date.
Product: Credit reporting or other personal consumer reports

I called XXXX on XX/XX/2023, regarding account # XXXX due to financial difficulties and was enrolled in their 3-month hardship plan. I clarified that my plan enrollment intent was to preserve my credit standing and avoid adverse credit reporting to the account. The representative assured me that no adverse credit reporting would occur while I enrolled in the plan and made timely payments. Under the hardship plan, my first payment of {$110.00} was due on XX/XX/2023, and the plan duration was XX/XX/2023 - XX/XX/2023. I made my XXXX payment of {$110.00} on XX/XX/2023. I made my XXXX payment of {$110.00} on XX/XX/2023. I made my XXXX payment of {$110.00} on XX/XX/2023, thus fulfilling the terms of the hardship agreement. On XX/XX/2023, I received a XXXX XXXX alert from XXXX indicating that Upgrade reported that my XX/XX/2023 and XX/XX/2023 payments were 30 days late. I called Upgrade, and the representative confirmed there were no indications of late payments. I called Upgrade again on XX/XX/2023, and again was told there were no indications of late payments. In both cases, I asked for a letter or email from Upgrade indicating the reporting error so I could send it to XXXX directly for swift resolution. I was instead told that Upgrade would initiate the process of sending the correction to XXXX, and I would have to wait 45-60 days for the credit correction process. I feel strongly that Upgrade should provide me, the consumer, with some written communication on Upgrade letterhead stating my credit history was incorrectly reported to the credit bureaus so that I have recourse to resolve the credit reporting issue. I am not confident that Upgrade will work as diligently to resolve this issue as I would. I also bear the consequences of my credit score dropping because of something that was not my fault. The Fair Credit Reporting Act ( FCRA ) states that credit reporting companies and furnishers have obligations to ensure that credit reports are accurate. Based on Upgrade 's own records and the supporting documentation provided, it is clear that Upgrade provided erroneous information, which has negatively impacted my credit rating. The FCRA also states that there are legal remedies that I could pursue including actual or statutory damages, which, at this point, I am not interested in. I want Upgrade to update my correct payment history to XXXX in an expedited manner.
Product: Debt collection

Umb bank has debt collection umc bank open account without my authorization and proper idenfcation id social security number where UMC Bank commit identity theft fraudulent extortion money laundering under my social security number and identity and allow public to open bank account under my social security number and put this theft fraudulent charges Bank under my credit report causing a cotteraletral damage XXXX XXXX XXXX loan company has unrecognizable debt collection under my free free credit report score causing a cotteraletral damage keeping my credit score below average
Product: Checking or savings account

On XX/XX/2020 I deposited my payroll check into my US bank checking account only to find out the next day there was a seven day hold placed on it. Every single time I attempted to deposit a paycheck into my US Bank checking account there has been a seven day hold on my entire paycheck. No partial availability of funds. This has lead to my rent being late for XXXX and previous months when I deposited my paycheck and a hold has been placed upon it. 
US Bank branches are closed to the public due to Covid-19 and I am unable to contact a banker to discuss this matter. My employer requires a voided check to sign up for direct deposit and I am unable to obtain a voided check because I do not order checks and I am unable to meet with a banker or branch manager due to the lobbies being closed due to Covid-19. 
This is not the only paycheck that was placed on a seven day hold. Every single paycheck I have had since I opened my account in XXXX of 2020 has had a seven day hold placed upon it. 
On XX/XX/XXXX ( when this hold for my current paycheck expires ) I will be closing this account and not depositing another dime into this checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel like I'm being taken advantage of being ignored of my disputes. It is clearly stated on XXXX that failure to examine an item within 30 days is cause to instantly remove it off my credit report. Since it has been over 60 days, these entries should be deleted immediately. I demand that these accounts be deleted immediately, or I will sue you for the XXXX  you have caused me.
Product: Student loan

I hade sent several email messages due to large volume of callers. I was inquiring with them as to why my entire payment went to interest only when I paid in excess of the monthly interest amount. They then proceeded to tell me that my monthly accrued interest amount was significantly more than what my account represents. Even if that was correct, I still paid them in excess of what they are now representing is my monthly interest amount but will not apply it to my principal amount. If they keep doing this I will NEVER pay down even XXXX cent of what I owe. I can not afford to pay {$450.00} a month in just interest! My account represents I owe {$350.00} in accrued interest, they are now telling me I owe {$420.00} in accrued interest, either way I overpaid both those amounts but they will not apply any to my principal even if it is nominal. I tried to speak with their XXXX, XXXX, on XX/XX/31 but when I challenged her explanation, she hung up on me. Now I have to call again and wait an astronimical amount of time once again. I work so obviously I have to do this from work and they are keeping me from working. They are lying thieves. Unfortunately I was forced to go to MOHELA from my prior servicer and this company is stealing my money. I should NOT have been forced to them.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I had a total of {$2000.00} frauded from my account via XXXX. I did not approve this transaction or make this transaction. I contacted Wells Fargo soon after about this fraud case, and they recently reported on XX/XX/XXXX that they have not approved of my claim. 

The case number is XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX REF # XXXX {$1000.00} XX/XX/XXXX XXXX TO XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX REF # XXXX XXXX XXXX XXXX XXXX {$950.00}
Product: Checking or savings account

On XX/XX/XXXX a postal money order for {$380.00} was deposited in person by my mother into my account. It was accepted at the desk and I checked my account and it was in there so I paid rent. The money order was then placed on a hold subsequently causing my rent payment to be returned, I accrued {$250.00} in late fees. The postal money order is set to clear XX/XX/XXXX. I called the branch location where it was deposited and they wouldn't even talk to me about it. I went to my local branch and the manager there said if it were his location he would have covered the costs but it was location specific as to giving credits out. The customer service line said there was nothing they could do for a hold. I was doing some research and found Regulation CC 229 and it says something to the effect that a postal money order must be deposited the next business day. The teller at the location stated that it would be in my account the next day. I want to know if this is a violation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Secured loan XXXX Collection XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge card XXXX XXXX XXXX XXXX Child XXXX XXXX XXXX XXXX  XXXX Collection XXXX XXXX XXXX  XXXX Secured card XXXX Charge card has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX Collection XXXX XXXX XXXX XXXXXXXX Collection XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX Secured Card XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Charge Card XXXX XXXX  XXXX Debt Buyer XXXX XXXX XXXX XXXX XXXXXXXX Secured Loan XXXX XXXXXXXX Charge XXXX has violated my rights. 

Equifax XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Reported Balance {$1500.00} Collection Medical XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Reported Balance {$1100.00} Collection XXXX  ( CLOSED ) xxxxxxxxxxxx XXXX Reported Balance {$0.00} XXXX XXXX ( CLOSED ) xxxxxxxxxxxx XXXX Reported Balance {$0.00} XXXX XXXX XXXX ( CLOSED ) xxxxxxxx XXXX Reported Balance {$0.00} XXXX XXXX XXXX XXXX / XXXX XXXX XXXX Reported Balance {$10000.00} XXXX XXXX XXXX XXXX / XXXX XXXX XXXX Reported Balance {$5300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX xxxxxx XXXX Reported Balance {$0.00} XXXX XXXX XXXX ( CLOSED ) xxxxxx XXXX Reported Balance {$550.00} XXXX  XXXX XXXX XXXX ( CLOSED ) xxxxxxxxxxxx XXXX Reported Balance {$400.00} XXXX  Under 15 U.S.C 1681 section 602 A, I am granted the right to privacy. However, this right has been infringed upon by the inclusion of erroneous details on my credit reports. This violation not only raises questions about my privacy but also undermines the trust I place in the integrity of your reporting.

Furthermore, 15 U.S.C 1681 Section 604 A Section 2 clearly states that a consumer reporting agency is prohibited from furnishing any account-related information without obtaining my written instructions. To the best of my knowledge, I have never provided such instructions for the inclusion of the accounts listed below on my credit reports.

The violation of my rights takes another form, as 15 U.S.C 1681c. ( a ) ( 5 ) explicitly prohibits any consumer reporting agency from including certain adverse items of information that antedate the report by more than seven years. Yet, I have noticed entries such as [ list a few examples of inaccurate and outdated information ], which contravene this protective provision.

Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) places a responsibility on those who furnish information to ensure its accuracy. It deeply concerns me that some of the information provided by the listed creditors and collectors is not only inaccurate but may also have violated this essential provision.