23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/2023, I received an email that my credit card was over the limit. This was shocking to me as I have not used this card for any purchases other than the initial purchase when opening the credit card, and have been paying at least the minimum every month so the balance due has been dropping slowly but surely. 

I called the company immediately to look into what I thought must have been fraudulent charges. The person I spoke with informed me that it was actually a {$710.00} fee that was just added to my account, putting me somewhere around {$440.00} over my credit card limit. They said it was the end period of some promotional something or other. 

I'm now in serious financial trouble due to this surprise fee. The company is requesting a minimum of {$440.00} payment this month, and we live on a very strict budget. I wouldn't know where to get an extra {$400.00} to pay this ridiculous minimum amount due. My car lease is up next month, and this has effected my credit score to the point that I will have to pay more monthly when purchasing. 

I have been working very hard to pay down debts incurred for living expenses during a life hardship. I always pay on time for everything, and pay more than the balance every time I am able to. Companies such as this one who prey on hard working people with these fees are a part of the massive problem in our society. If companies are allowed to continue to be manipulative like this, I and many others in my shoes will never be able to pay back debts and live comfortably instead of paycheck to paycheck and grasping at every XXXX. There has not been any communication of remaining due for any kind of promotion, and the minimum payment due was deceptive as it was not what was needed to fulfill the so-called promotional terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

After issuing a subpoena to XXXX for records relating to communications between LexisNexis and XXXX regarding the public records item US BKPT CT IL XXXX XXXX as held by LexisNexis, I received a document that proved, ( contrary to LexisNexis explicit communications to me, no less than four times. ) LexisNexis has continued to report this item willfully, again, after clearly communicating with me that LexisNexis was no longer reporting this item. PLEASE REVIEW ENCLOSURES Additionally, notice the inequitable response to me, XXXX XXXX as opposed my wife, XXXX XXXX. The case number is the same. I would love to know the why? behind this. 

On XX/XX/XXXX, I will file a lawsuit against LexisNexis for every month since XX/XX/XXXX they willfully reported this public record to XXXX after claiming to remove it from my record. LexisNexis has included in the enclosures, deceptive statements, that if they in fact practice, are in direct violation of FCRA regulations. 

As FCRA regulations make clear, XXXX can only get this information from a public records vendor. LexisNexis is the vendor of record for XXXX. LexisNexis has the duty to expedite ( 4 days per FCRA ) removal of this record factually from XXXX. 

In the interest of not wasting court time, LexisNexis may contact me by phone with a settlement offer plus court cost.
Product: Bank account or service

Citizens Bank XXXX Headquarters : XXXX Citizens XXXX, XXXX, RI. ) continues to cheat customers by not correcting electronic mistakes. The {$34.00} XXXX they have to pay for shortchanging customers is apparently not enough of an incentive to clean up their act. I made an online transfer from my Citizens Bank checking account to my Citizens Bank XXXX ; the online transfer was scheduled for XXXX XXXX, 2015. Due to technology issues with their vendor that occurred the evening of XXXX XXXX to XXXX XXXX, this transfer failed. When I logged into my online Citizens Bank account to pay a bill, I noticed a " transfer failed alert '' in the Alerts Center XXXX see attached documents ). I rescheduled the payment transfer to take place immediately, which was then past due on account of circumstances out of my control XXXX technology failure at Citizens Bank 's end ). 
I assumed that I would not be charged late fees and interest for the late payment. I was wrong. I opened my billing statement to XXXX I was being charged a {$25.00} late fee, as well as interest of approximately {$60.00}. I find it odd and disturbing that they sent me an immediate alert that my payment transfer from my Citizens Bank checking account to their Citizens Bank credit card failed to go through, yet no alert indicating I would not be charged a late fee and would not be responsible for interest charges. They were aware that my payment failed to process due to a technology issue at their end ; therefore they should have also been aware the late payment would result in erroneous interest charges and fees at my end, yet they failed to communicate this to me. I had to make a phone call to Citizens and was kept on the phone for XXXX minutes waiting for this issue to be resolved. It was finally resolved, but only because I caught the error.
Product: Debt collection

I'm being sued by an Interloper that has violated my right to privacy by committing identity theft.I do not know this entity, I do not have a contract with them and I do not owe a debt to them.I sent them a Notice ... see attached.
Product: Debt collection

ON XXXX XXXX, A COLLECTION WAS PLACED ON MY ACCOUNT WITH EQUIFAX FROM XXXX XXXX, FROM A XXXX BILL THAT DOESNT BELONG TO ME I CONTACTED XXXX  XXXX, AND THEY AGREED TO HAVE THIS ACCOUNT CLOSED AND REMOVED FROM ANY AGENCIES, I CALLED EQUIFAX TO LET ME KNOW THAT THIS ACCOUNT NEED TO BE REMOVED, FROM MY REPORT, ITS LISTED UNDER MY MIDDLE NAME XXXX
Product: Credit reporting or other personal consumer reports

I just received my new credit report for TransUnion and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 


List of Account Review Inquiries that needs to be deleted from my credit file TRANSUNION XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX via TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I send a dispute XX/XX/XXXX to Transunion to do and investigate via letter to investigate an alleged late on the XXXX acct that says that I was late on XX/XX/XXXX. I was never late on this account. The letter asked for them to correct the information. They dis not respond and they are non compliant. By law they are suppose to respond in 30 days and it now XX/XX/XXXX with no response to my investigation. I send out a letter of Non compliance XX/XX/XXXX. I was never late on this account and I want it updated to reflect never late and remove the alleged late payment on XX/XX/XXXX and to reflect a positive never late on this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Conns by phone and email and never get the correct answer. When I call they tell me that they didn't report a 30 day late payment after the account was already close on XX/XX/19. They keep giving me the run around. On this same account they reported 30 days late after it was closed. They reported other 30 day late payments when I paid the minimum payment each month when I wasn't working.I need help to resolve this. They reported me 30 days late on XX/XX/19 when the account when already close on XX/XX/19.
Product: Credit card

I have a VentureX credit card with Capital One, and I have been trying to redeem my rewards all weekend by transferring points to an airline. Capital One requires a verification text to be sent to my phone, but they claim they can not verify my phone number in order to send me the text " because I am not the primary on my phone account. '' I am on the phone account, but because I ( like 68 % of Americans ) am on a family plan, they refuse to send me the security code via text ( and offer NO OTHER options for verification ). I have spoken to over 10 associates over hours of phone calls, none of whom would help me. Because Capital One refuses to send me the security text, I can not use my rewards per the terms of the service agreement. This is theft of my rewards, and I request that they stop holding my XXXX rewards points hostage.
Product: Credit card

The address and phone numbers used to create the credit card are not my information. I call every week and try to give them the correct information but nothing is being done.
Product: Debt collection

A collection from DEVILLE MGMT showed up on my credit report. I have not outstanding debt. I tried to contact them but the information on their website is just puts you in a holding pattern and no one answers. Also no communication about the debt just showed up on credit report as mixed CC???
Product: Credit card

On XX/XX/XXXX, I was scammed in XXXX and my Capital One credit card was charged at an establishment called XXXX, XXXX ( all XXXX reviews for said establishment indicate that they were robbed by owners ). The total price was {$5.00} and then I saw {$100.00} was charged on my card. I went to the bathroom and noticed that my card was not in my possession and was stolen from me when I got up. We confronted the business owners and they threatened us and a physical altercation ensued. I was able to get my card and ran for fear of safety. I did not authorize more than {$5.00} to be used at this business as they stole and charged my account without my consent. 

On XX/XX/XXXX I alerted Capital One and completed all their forms and the company denied me for no reason.
Product: Credit reporting or other personal consumer reports

I requested an account be deleted from my credit report due to its inaccuracy. Per the original creditor ( XXXX XXXX ), the account was paid in full on XX/XX/year>22, however, this account is still reflecting as late/in collection AFTER this date. This is a violation of FCRA 1681s-2 ( a ) ( 2 ). Under this law, creditors are required to delete the account reporting a late payment on an already satisfied debt. I am in the beginning stages of purchasing a home for my family of XXXX and this is hindering my ability to receive a fair mortgage rate due to the negative impact this account has on my credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies and discrepancies in my credit report regarding the account listed below. This marks my initial attempt to resolve these matters with your agency. I urge you to address these errors promptly and ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

Account in Question : Creditor Name : XXXX XXXX  Account Number : XXXX
Product: Checking or savings account

I opened a Wells Fargo " XXXX XXXX '' account. Wells Fargo 's checking/savings account that one can get if they've been turned down by other banks. I had the account for a couple of months, had my pay check direct deposited to it. After a using the account for a couple of months, my checks stopped getting direct deposited, I called the bank and they stated I had no account there. 
I showed bank statements, showing I never overdrawn my account. Wells Fargo still insisted that I never had a account there.
Product: Bank account or service

My debit card for my husbands business account had expired by a month and I went to the branch to have a new card ordered. At the branch the teller told me that I would have to call the number on the back of the card to get a new card. Once I called the number, we established that the address on the account was to our old address and that is where my card went. She told me that we needed to change the address on the account and to call in when that was done and she would order me a card. My husband went on line and change the address for my card. He also tried to order the card, but since it had my name on it they would not allow him too even though it was for his account. So I called the number on the back of the card again and then they told me since we changed the address that they could not issue me a card for 30 days or that I could go into the branch and have one ordered. That afternoon I went to the branch and asked them to order me a card and again they told me they could not issue me a card and I had to call the number on the back. I proceeded to tell them that they told me to do it in the branch. Then the teller said well the personal banker would have to do it. On that day there was only 1 personal banker in the branch and that it would be an hour wait. We could not stay that long and so I am still without a debit card. My card expired in XX/XX/XXXX.
Product: Debt collection

Midland Credit Management has repeatedly called my work on a daily basis. It's been going on for months. I talked to them on the phone at my place of work in XXXX of XXXX, I made it clear that they can't call me at work. I asked them to give me a name and number that I could call back when I was on break. They wouldn't give me any information and didn't want to get off the phone. They kept on saying I needed to talk to them right now and that calling them back later will not do any good if I didn't finish talking to them. I was forced to hang up the phone because the person on the other end wouldn't let me call them back. Since then, they continue to call me at work multiple times per week. I have phone logs showing that they have called me up to Four days in a row. They have even left a message with the receptionist giving them the name of the company, Midland Credit Management and a note to have me call them back. This is embarrassing to me and also humiliating as I work in a small office with Three other people that can hear every word of my conversation. Today is Wednesday and they have called my place of work every day this week, so again today XX/XX/19, I answered the phone and asked the guy to please stop calling me at work. He said he would make a note of that if I stayed on the phone with him and finished this phone call. I said sir, I have asked your company before to please stop calling me at work. He replied " I will remove this number from your contact list, but only after we finish talking about the reason for this call and find a solution ''. This is harassment, and I want action to be taken.
Product: Money transfer, virtual currency, or money service

I made a transaction to my husband using pay to person option through my XXXX account, my husband did not receive it, when we filed a service request with XXXX, they said money was received by some XXXX  account, they gave last XXXX digits of receiver 's account number, it is an unknown account doesn't belong to my husband, XXXX is not helping much to investigate who claimed the funds, whose bank account it is or recall my transaction. They are asking me to work with XXXX XXXX said they can not help on this as the trace number they provided is not targeted to my husband 's account, i called multiple times to both XXXX and XXXX not getting any help, i feel it is XXXX 's responsibility to investigate it further they are not taking any responsibility
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX  days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

( PROGRESSIVE MANAGEMENT SERVICES ) UPON TRYING TO MOVE INTO A NEW HOME I WAS DENIED DUE TO SOME COLLECTIONS ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE CHARGES AND HAVE REQUESTED THEY BE VERIFIED. I HAVE NOT RECEIVED ANY SUPPORTING DOCUMENTS I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE ENGELHARDT VS GRAVENS ( MO ) 281 SW 715, 719 I PRESUME THAT NO PROOF OF THE ALLEGED DEBT NOR THEREFORE, ANY SUCH DEBT, INFACT EXISTS.

This company is violating my consumer right to privacy pursuant to 15 USC 1681. This report has caused defamation of my character.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

As i was reading my credit report back on XX/XX/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. These accounts ,XXXX CITICARDS CBNA are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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: Credit card or prepaid card

I DID NOT DISPUTE THE ACCOUNT ATTATCH TO THE LETTERS, AND I DID NOT XXXX TO DELETE MY ACCOUNT. PLEASE, I'M BEGGING YOU TO RE-INSERT IT TO MY ACCOUNT, THANK YOU!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, a debt validation letter was delivered to Portfolio recovery associates ( as to validate an account reporting on my report. Their 30 days investigation would have ended XX/XX/2019. I have retained a copy of my credit report that shows that they have failed to report to the credit bureau up to 90 days. Therefore they are in violation for .Defamation .Negligent Enablement of Identity Fraud .Violation of the Fair Debt Collection Practices Acts ( including but not limited to Section 807-8 )  .Violation of the Fair Credit Reporting Acts ( including but not limited to Section 623-b )
Product: Credit reporting or other personal consumer reports

I am writing to convey a sense of urgency and frustration regarding the fraudulent account that has infiltrated my credit report. It is crucial that you take prompt and decisive action to address this issue, as it is severely impacting my financial well-being. 
I hold TransUnion accountable for allowing these errors to persist. Despite my persistent efforts to seek justice and resolution, this fraudulent account persist on my credit profile, causing significant harm to my financial reputation. I am not simply requesting, but rather demanding that TransUnion conduct an immediate and thorough investigation into this disputed account, remove it from my credit report, and provide me with an updated credit report that accurately reflects my creditworthiness. This fraudulent account has been identified on my credit profile : XXXX XXXX XXXX
Product: Debt collection

The collection company stated above has reported that I received medical attention at the following facilities on the following dates or that accounts were opened on the following dates : -XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) -XX/XX/XXXX ( XXXX  XXXX XXXX XXXX ), -XX/XX/XXXX ( XXXX XXXX XXXX XXXX ). These accounts were placed in collections when I never received medical attention on these dates and if I had, I was fully covered by Nevada XXXX and XXXX XXXX coverage on those dates. These are false accounts with false dates in an attempt to try to prolong the collection timeframe on accounts that are clearly fraudulent. As stated before, these are fraudulent tactics and I will be writing an official complaint to the Nevada XXXX, the Nevada Department of Health and Human Services and the Better Business Bureau if these issues continue to persist.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was billed to a former roommate with my last name provided Amex with copy of billing that does not include my name, they still left on my report. All 3 of my XXXX balance accounts were closed.
Product: Debt collection

Outstanding bill for XXXX XXXX was sent to collection agency. I paid it in full but the collection agency is still looking for payment from me.
Product: Credit reporting or other personal consumer reports

Subject : Complaint for Removal of Inaccurately Reported Foreclosure Redeemed Account - XXXX XXXX Dear CFPB, I am writing to submit a complaint against the inaccurate reporting of a foreclosed but redeemed mortgage account by Caliber Mortgage on my credit files with Experian and XXXX. Despite the foreclosure being redeemed, the account continues to be reported with inaccuracies, affecting my creditworthiness. 

Account Details : Account Number : XXXX Account Type : XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX Experian Inaccuracies and Issues : Inconsistent Date Opened : XXXX XXXX Reports XX/XX/XXXX Experian : Reports XX/XX/XXXX Erroneous Account Status : XXXX XXXX : Late 120 Days Experian Status : Foreclosure Both statuses fail to reflect the redemption of the foreclosure. 
Misleading Comments and Information : Comments refer to the foreclosure being started but do not adequately address its redemption, causing undue derogatory status to linger. 
Discrepancies in " Date Last Active '' : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX Violations Under the Fair Credit Reporting Act ( FCRA ) : FCRA Section 605 [ 15 U.S.C. 1

681c ] : Imposes rules on reporting obsolete information and man date s that all information be complete and accurate. FCRA Section 611 [ 15 U.S.C. 1681i ] : Requires credit reporting agencies to investigate disputes regarding accuracy within 30 days. FCRA Section 623 [ 15 U.S.C. 1681s-2 ] : Obligates furnishers of credit information to ensure the accura cy and integrity of the information supplied to credit reporting agencies.