23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had a balance of {$2700.00} with american Express. It was paid in full on the due date.. Now I received a bill of $ XXXX.for interest. I called them and they contend this is a legitimate charge. because I had made minimum payments in the past. If the balance is paid there is no interest!!! I have paid other cards off in a similar manner and not received a interest charge. I would like to see AMX fined for this and my charge waived. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am receiving medical bills for a extensive medical procedures in 2020 that I did not have. I did not have any medical services in 2020. As for Regions Bank Mortgage. Refinance at the lowest available rate. Ive never been able to get that. XX/XX/XXXX home Equity loan valid For 5 years at the lowest available fixed rate. Allow other black people to get home equity loans at the lowest fixed rate.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my XXXX credit report on XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account listed that is past the statute of limitations and should NOT be listed on my credit file and can not be validated. I have tried several times and even through the CFPB no response nor validation. Requesting this account below be removed ASAP XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have an account with capital one that is current to this date and also active however there was a phone call made on my behave that was suppose to set up auto pay I spoke with an agent and this request was allegedly executed mean while I received an alert from credit karma that informed me that my account was over thirty days delinquent reported in the month of XX/XX/2018. I spoke with another agent about this matter they apologized credit my late fees back and also said that the delinquent reporting would be removed. Now Im getting the run around and the company is saying that they cant find the recording all I would like out of this is the delinquent reporting to be correct because I was very diligent and proactive when it came to this matter. I knew I wanted my account to be enrolled in auto pay because of the XXXX XXXX XXXX XXXX which is a veteran and I needed some XXXX to help me cope with this XXXX XXXX. In addition I understood I would not have had time to manually make payments to account and again I do dont want any for free or a handout I just would like my account status to be reported correctly because botched auto pay sign up thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XX/XX/XXXX : Received a bill from XXXX XXXX stating they were the new billing company for XXXX XXXX ( copy attached ). I called the company to find the original date of service. They were unable to provide that. I have 2 insurances, Medicare ( primary ) and XXXX  ( secondary ). I am a XXXX XXXX XXXX and has XXXX coverage. 

I received an EOB from Medicare. This bill represents the balance after Medicare paid. They never billed XXXX. I continuously asked for over a year what did XXXX pay. They could not tell me. I asked for the Explanation of Benefits from XXXX. They never provided it. They agreed that it should be done and they would do it. They never did On XX/XX/XXXX, I received a collection letter from American Profit Recovery, Inc.for {$210.00}. 

I submitted a letter by certified mail requesting the following items : - An Explanation of Benefits from XXXX indicating what they paid- The original date of service- That they will validate the amount that I owe and verify that they ( American Profit Recovery ) can collect on this bill Instead of sending me the information, American Profit Recovery sent me a Patient Account History that did not provide me with any information ( copy attached ).
Product: Credit card or prepaid card

XXXX on my house was complete on XX/XX/XXXX, title company sent me checks to pay off credit cards, I got them on the XXXX of XXXX, sent them out on the XXXX of XXXX, XXXX XXXX I got phone call/text and email stating I missed a payment on my Sams Club Credit Card XXXX 
I call the customer service to ask about the {$2400.00} payment sent to the address they gave me, said they never got it. I call the title company and they tell me that the check had been cancelled for some reason and cut the new check, I got it on the XXXX of XXXX, sent it to Sams Club XXXX XXXX XXXX XXXX XXXX, Ga XXXX on the XXXX of XXXX XXXX priority with tracking number XXXX XXXX XXXX XXXX XXXX XXXX It shows it was delivered at XXXX on the XXXX of XXXX. it had my full name, address and last XXXX of the account number on it, still can't find it, please send a copy of the check and please put the full account number on it so we can try to find it, they say that they did not receive the fax, faxed again on the XXXX of XXXX, title company said it has not been processed yet and in all of this they hit me for missed payments and late fees, account balance was {$2300.00} when I sent the check for {$2400.00}, now with late fees and what ever else they charged me with, the balance is over the {$2400.00} I already sent it, they said to sent in another payment to get it caught while they look. This card is from Synchrony bank, along with my Care Credit card, they cashed the one for care credit, but it was not enough to pay it off and it had less info on the check then the one to Sams Club. 
Now if you go to their XXXX XXXX page, all the comments are negative and everyone is asking how can they do business like this and stay in business. Dispute was filed for the missing payment and was not suppose to late fee and what not, but guess what, it happened.
Product: Credit card or prepaid card

This complaint is about Chase Credit card services not honoring their written business agreement for how bonus points are calculated and transferred. 

During XX/XX/XXXX I signed up for a southwest Rapid Rewards Chase business credit card via Chase Bank which offered XXXX bonus points after reaching {$3000.00} in XXXX XXXX. 

Attachment 1 is the detailed business agreement : Please see highlighted text in business card attachment that describes how points are to computed at end of each cycle and should be transferred over to partner Southwest Rapid Rewards. Essentially it is all purchases minus refunds or returns. 

Attachment 2 : Is the formal Chase credit card statement for first month ( full account number redacted ). It clearly shows that the net spend in month of XXXX minus any adjustments and refunds was {$2800.00}. All of the transactions were completed well before the statement close date. 

As per these formal rules the system should have not transferred any bonus points in the month of XXXX. But their technical system has incorrectly transferred XXXX bonus points rendering them useless towards Southwest Companion pass - the original intent of the promotion. 

Had the points being processed and transferred correctly in the following month - XX/XX/XXXX, I would have qualified for Companion pass for two years starting in XX/XX/XXXX and valid upto XX/XX/XXXX as per the promotion. 

I opened the issue with them in XX/XX/XXXX and have had multiple email and phone calls with them. Whenever you speak with them over the phone the supervisors agree that points have not been correctly transferred e.g. the last conversation was with supervisor XXXX on XX/XX/XXXX and it lasted around 45 minutes. She took detailed notes and agreed to provide a resolution or formal response from Chase Marketing. 

I would like CFPB to help get the points correctly assiged to the right month of XX/XX/XXXX and have my Southwest companion eligibility for 24 months from the date that is corrected.
Product: Debt collection

I was billed by XXXX XXXX XXXX in the amount of {$380.00} for a hospital visit that I took to XXXX XXXX Hospital back in XX/XX/XXXX. I settled debt paid them the {$380.00} directly in XX/XX/XXXX and it was then removed from collections and my credit report. So today out of nowhere, I received a letter directly at my door ( letters are usually delivered to my mailbox ) from Commonwealth Financial Systems pertaining to the {$380.00} debt that basically said that they picked it up and would give me a discounted rate of {$280.00}. I then called them and forwarded them confirmation email from XXXX when i originally paid the debt and original copy of the bill that included the account number ( which Ill make sure to attach ) and the lady sounded noncommittal in terms of closing that account. She tried to get me to call XXXX and explain the situation to them and I refused to because that situation was already taken care of and I told her that if they needed any confirmation, they could contact them on their own. This definitely rubbed me the wrong way because I settled this debt two and a half years ago and theres no reason why I should be receiving any letters from a third party pertaining to it. I then XXXX the company and saw a ton of bad reviews that basically say the same things about this same exact company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove these accounts, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous 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

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Everyday i receive multiple calls about an account that is in dispute due violation of the FCRA regulations and compliance Conns apps calls my personal and cell and landline phone everyday at least XXXX time ever hour until almost XXXX at least 6 days out of the week i have asked them to Cease and desist on multiple occasions and they have not which is has now caused a negative impact on my job I have asked them on countless times to cease and desist all communication and they continue to Call personal phone my work cell my work phone Email and other members of my family and they call from multiple numbers this is pure harassment tactics
Product: Credit reporting or other personal consumer reports

Attached is a notarized affidavit of facts regarding the credit reporting of XXXX XXXX XXXX, and the instructions for opting out of reporting... The following companies ( XXXX, XXXX, XXXX, Lexis Nexis, XXXX XXXX, XXXX, XXXX XXXX XXXX ) have violated the right to opt out by failing to provide a REASONABLE OPPORTUNITY TO OPT OUT pursuant to cfpb code 1022.21. The following companies ( XXXX, XXXX, XXXX, Lexis Nexis, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX are in violation of the Privacy Act of 1974 ( 5 U.S.C. 552a ) due to the unauthorized collection, maintenance, use or dissemination of personal records contained in a system of records. The following companies ( XXXX, XXXX, XXXX, Lexis Nexis, XXXX XXXX, XXXXXXXX XXXX XXXX ) are on official notice of a conditional opt out persuant to 1022.21 and 15 U.S. Code 1681b ( 2 ). The following companies ( XXXX, XXXX, XXXX, Lexis Nexis, XXXX XXXX, XXXX, XXXX XXXX XXXX ) have 14 days from receipt of this affidavit to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXXXXXX Balance : {$4800.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX Balance : {$180.00} XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Their is a loan from XXXX XXXX that was closed in XX/XX/XXXX, and there was a late payment made in XX/XX/XXXX. XXXX and XXXX are showing the accurate information, but on my Equifax report it shows the account was closed XX/XX/XXXX, a late payment in XXXX of XXXX, and then it shows payment history 'OK ' all the way to XX/XX/XXXX with another reported late payment. They continue to update the account at Equifax, and will not removed any of the data after XX/XX/XXXX ( when the loan closed ), so it is showing that I have a late payment on the account a year after it was closed and paid in full. I have asked XXXX to fix it but they state they are reporting correctly ( this is why the other two CBs are showing accurate information ), but Equifax continues to tell me its correct and they do nothing to fix it even though it clearly shows the account was closed - paid in full in XX/XX/XXXX. So now it looks like I had a late payment in XX/XX/XXXX on that account and only on my Equifax report. This prevented me from getting a home loan, and I am not sure who else to go to have this fixed. They are clearly violating FCRA rules and they do not care.
Product: Debt collection

ERC ( Enhanced Recovery Company ) has sent me 2 notices with 2 different reference numbers claiming I owe a debt from over 3 years ago to XXXX. I sent them a letter disputing the validity of the debt XXXX XXXX, 2016 but received another notice XXXX XXXX. They did not send any verification of this debt with the new notice and are threatening to report me to national credit bureaus. This is a fraudulent claim. I do not have access to the first notice because I just moved, but I have attached the 2nd one.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 my paypal account was charged XXXX - I did not purchase anything in that amount or transfer money to anyone in that amount. I do not know the person the money went to. I submitted this to Pay Pal and they let me know today XX/XX/XXXX that they deemed this charge to be in line with my past history. Which is not true, I have transferred money to people for games and trades my son is has related to video games but the most spent was {$27.00} dollars with exception for a purchase I made in the amount of {$300.00}. With that said the person 's pay pal account that my money went to is XXXX XXXX XXXX and it says I will see " XXXX '' on my credit card statement. I tried to let Pay Pal know after their decision that I absolutely did not authorize this payment and the case is closed.
Product: Checking or savings account

I called my bank yesterday XX/XX/2022 ( Arvest Bank/XXXX Arkansas an requested a stop payment for 2 items that would be coming out of my account on XX/XX/2022. I clearly said to the gentleman that this was not to be effective till XX/XX/2022 but when I checked my account last night I'd already been charged {$60.00} for the stop payment ( their fee ) I called my bank XX/XX/2022 and told them they'd make a mistake and charged me immediately for the stop payment fees creating an over draft in my account of almost {$27.00} when I clearly said the stop payment was not to take effect till XX/XX/2022. I ask them today XX/XX/2022 to reverse the charges and not hold the stop payment fee out till XX/XX/2022 when the stop payment goes into effect. The gentleman I spoke to refused to do that so now I'm going to have an additional fee of {$17.00} added to my account for a mistake they made. How is that right?
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX has repeatedly called my place of work, home and even my father and step mothers home. They told my step mother that I was getting ready to be sued for a debt and that they needed to tell them where I was. I finally got in touch with them, did not understand the debt, or remember the debt specifically. I asked them for proof of this debt and they stated they did not have to give this to me, because the name of the company seemed familiar and I was being threatened I agreed to be on a payment plan. I have made payments and have only 2 left and was unable to pay these last 2 due to COVID, these people are now calling my place of employment threatening me to call my boss, calling me and when I answer, this women keeps saying.. oh OK, just wanted to see if you were at work and then they hang up. I have told them DO NOT CALL THIS NUMBER AGAIN, it's my place of employment and it's a call center I can't receive these calls here. I am in California and I am told they must send me proof of any payments I have made within 30 days and I have NEVER received anything from them other than threatening calls. NOTHING BUT THREATS.