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

Hi, in XX/XX/XXXX did a debt consolidation with XXXX XXXX XXXX and had called US Bank to obtain balance to pay card off. Was told {$XXXX}. And thought I paid off US Bank CreditCard. At that time I noticed they charged interest after I paid it off and a representative waived the {XXXX} interest fee. 
Two purchases went thru after it was paid off ; one of the purchases was reversed from merchant ( 1 month later ) the other was my auto insurance. I paid the auto insurance with even a few dollars extra. 
Called them 1-2 months later to close the card because i wanted a card with a zero interest rate and rewards for daily purchases. Then in XX/XX/XXXX I received an email stating i had a payment past due on US Banks card and discovered they had been adding interest and late fees on apparently a mini balance that remained. 
I phoned to get to the bottom of it, the phone rep couldnt tell me what balance was after the pay off and so requested late fees all be removed and I pay whatever it was.was told a manager would review. They then removed one late fee. I called in XX/XX/XXXX to pay it in full and now theyre still trying to extort extra. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX is wrongly charging me interest and lead me to believe the promised promotion i applied for was legitimate but Im finding out that they somehow try to trick you or waste time just to get you to pay extra mone and this is why : On the amount I paid in full. This company offered interest free for a year. I made every payment on time and always got confirmation and deducted from my account within min. When XX/XX/2023 came and I called to make my final payment that is not due till XXXX XXXX the company gave me the run around I now believe that Ive been lied to because all they would do was tell me that their systems working now they couldnt take that large amount due today they will transfer me to somebody and I would get disconnected this went on for almost a week I did not know what to do because I was doing everything Im supposed to do. 
I got my bank XXXX XXXX XXXX XXXX involved to help me get this paid in an on-time manner so they did call with me we got a wire confirmation and paid it through wire which was still not easy to do because that day we also got the runaround but it was done with confirmation still four days prior to the date that its due but I was still not happy with all the runaround that I had to go through but that said the payment was due I have the confirmation to receive the deduction that they took it and now yesterday they started calling me to let me know and state that I have A payment due for interest because my payment was never received on time which is 100 % is NO CORRECT. I have my proof of payment, deducted from my account on XXXX XXXX and confirmation they received it. 
I feel that they are not working ethical or professional to ensure the lending practices and process is followed, there is no excuse for this to have happened and if its happening to me it sure is to others. I work very hard to have the phenomenal credit worthiness I have established and for this company to show no effort or care about this other then when I called again today to send them proof all I got was transferred and transferred disconnected AGAIN and told they only go by what their system shows and it shows I still owe. I asked them for a contact number of someone who can hold accountable for this because what their system shows is not correct and Im being wrongly charged as well and I feel giving the runaround and it this point they fraudulently got me to use the company to only purposely charge me extra,, it is wrong because I have all proof that this was paid and paid prior to ONTIME they stated they can only process my payment today for interest of over XXXX. I also have my call log to show my efforts in doing so. Can you please help? They can not get away with their negligence. Also the customer service rep said that its not their fault Because they have many of payments that they receive and sometimes it takes them longer while according to my timeline it took them six days after receiving and taking my money to update my account which is not acceptable at all and I hope you agree. Thank you
Product: Credit reporting or other personal consumer reports

XXXX a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CONNS REPORTED NEG MARKS AND LATE PAYMENT ON MY ACCOUNT FOR THE MONTHS OF XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I MADED MY FINAL PAYMENT IN XX/XX/2018 AND CONNS REPORTED THAT I WAS MAKING PAYING ALL THE WAY THROUGH XX/XX/2018 AND I HAVE NOT MADE ANY PAYMENT SINCE XX/XX/2018. I HAVE CALLED THEM AND REQUEST PAYMENT HISTROY AND THEY STILL HAVE NOT SENT IT TO ME. MY PAYMENT WAS XXXX MTHLY AND THEY ARE SHOWING OPEN BALANCE OF {$92.00} BUT REPORTING $ XXXX ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing, as instructed by the customer service rep who I spoke to at XXXX XXXX Credit Card XXXX XXXXXXXX XXXX  XXXX, regarding erroneous credit reporting and confirmation of reversals of several fees that I incurred due to XXXXXXXX XXXX charging me a {$2.00} finance charge on my credit account AFTER I paid off a {$270.00} balance to bring the account to paid in full. This {$2.00} finance charge continued to build late fees without my knowledge, until I received a credit report decrease notification of XXXX points due to this situation. The XXXX XXXX customer service rep agreed that it was XXXX error to not apply my full balance prior to the finance charge of {$2.00} which was applied to my account AFTER I paid the balance to {$0.00}. Due to XXXX  error, I had all the fees reversed, which I am enclosing with this letter, and I am now requesting that you completely remove the XXXX and XX/XX/XXXX and 60 day missed/late payment reporting on this account to all XXXX credit bureaus and report as paid on time for all months since I opened the account in XX/XX/2022, as this is not right and not fair, since I paid the balance in full before the next statement was issued. I need this done immediately as my credit has now been damaged because of this error. XXXX reversing all the fees and my balance showing as a CREDIT showing $ XXXX just further supports that this was XXXX error. 

Please respond asap after you have removed all delinquent reporting to all three credit bureaus.I have opened two disputes on this matter with Experian, but all I get is that it has been " UPDATED '' but does not show the removal of the 30 and 60 day late reporting, which I need REMOVED from all three credit bureaus. I have perfect credit aside from this nonsense and I need it fixed ASAP. I have paid as agreed and to {$0.00} back in XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute Regarding Discrepancies in Credit Report Information Dear XXXX XXXX Team, I am writing to formally dispute the inaccuracies in the credit report information displayed on my XXXX XXXX account, specifically regarding the data sourced from Equifax. 

Upon reviewing my credit report on XXXX XXXX, I noticed that it shows 15 inquiries associated with my Equifax account. However, when I logged directly into my Equifax account, I found that there are zero inquiries listed. This significant discrepancy raises serious concerns about the accuracy of the information provided by XXXX XXXX. 

XXXX XXXX claims to obtain its credit report information directly from Equifax. If this were true, the information shown on both platforms should align. Instead, I am faced with conflicting data : XXXX XXXX displays a credit score of XXXX, while my Equifax report indicates a score of XXXX. This further emphasizes the inconsistency in the information being reported. 

To provide more context, here are additional details from my XXXX XXXX report dated XX/XX/XXXX : - **Name : ** XXXX XXXX XXXX XXXX **Credit Score : ** XXXX ( Calculated using XXXX XXXX ) - **Employment Info : ** XXXX XXXX XXXX ( Self-Employed 1099 EMP ) - **Addresses Reported : ** - XXXX XXXX XXXX XXXX, XXXX, CA XXXX - XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXXAccounts Overview : ** - **Real Estate Loans : ** XXXX XXXX XXXX - Reported : XX/XX/XXXX - Balance : {$0.00} ( In good standing ) - Opened : XX/XX/XXXX - Payment History : 100 % of payments made on time **Inquiries on Equifax Report : ** While XXXX XXXX lists 15 inquiries, my direct Equifax account shows none, further questioning the reliability of XXXX  XXXX reporting. 

Given these discrepancies, I would like to understand why there is such a divergence in the information provided by XXXX XXXX compared to what is presented by Equifax. I believe it is crucial for consumers to have access to accurate credit information, and the inconsistencies I have encountered are concerning. 

I kindly request that you launch an investigation into this matter and provide clarification regarding the source of the information reported on my XXXX XXXX account. Additionally, I would like to discuss potential compensation for the incorrect reporting that may have adversely affected my credit profile. 

For your reference, I have attached screenshots of both my XXXX XXXX report and my Equifax report, highlighting the discrepancies mentioned above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX Attachments : 1. Screenshot of XXXX XXXX report 2. Screenshot of Equifax report
Product: Credit card

citi cards address ; XXXX XXXX XXXX, sd XXXX www.citicards.com citi cards has commited a fraudulents act against me. 
my name is XXXX XXXX ; citicards from customer service to sercurity department ; all of them ; they need to go to jail. 
they tried to make me impatient so they can pull me all my personal information, identity, and they commit fraudulent act on me. they have the recording of all the proof.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, XXXX XXXX agreed to pay XXXX XXXX for developing an XXXX  version of the XXXX XXXX. An initial payment of {$2000.00} was made, with the remaining {$2000.00} due upon project completion. However, Mercury XXXX  has placed a hold on these funds without providing a clear reason. Despite the agreed-upon milestones and payment terms outlined in the contract, the funds remain inaccessible, causing delays and potential disruptions to the project timeline.
Product: Debt collection

On XX/XX/2020, Revsolve called me at XXXX XXXX. in my time zone. I filed a complaint. On the day they likely received the complaint, I was called 5 times in rapid succession by someone who blocked caller ID ; the person refused to identify themselves ( at which point I turned XXXX XXXX XXXX  on ). The calls only ceased when I answered the phone and said, " I know who you are and I am filing another complaint, '' which indicates that this was both illegal retailiation and illegal debt collection practices from RevSolve Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT NAME : XXXX XXXX XXXX XXXX  ACCOUNT XXXX ACCOUNT TYPE : XXXX DATE XXXX XXXX BALANCE XXXX ORIGINAL CREDITOR : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX I Disputed this Account and the debt wasnt validated or corrected. I never gave them permission to furnish any information about any alleged transactions which is invasion of privacy pursuant to 15 usc 6802, Also I never received the reinvestigation details to confirm investigation. I never received any agreement with my signature saying I agree to this debt. And see 15 U.S. Code 1666b - Timing of payments which shows direct violations of my rights Also I am aware thats I am the consumer original creditor and my credit card ( social security card/certificate of indebtedness was used and Im aware that canceled debt would be reported on a Form 1099-C as it is considered income and might be taxable so how can it be a debt. See 15 usc1681EB where it prescribes maximum accuracy on consumer reports which is proof of violations. Their are laws which protect me the consumer and penalties for violations 42 U.S. Code 408 - Penalties which is another violation by falsely misleading and representing and attempting to assign collect or enforce an in fact frivolous fraudulent and false debt which is a obligation of the United States pursuant to 31 U.S. Code 3123 and also see 18 usc 8. Also article 1 section 10 Clause 1 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility so what would be my options to repay this alleged debt?
Product: Mortgage

Hello, Today is XX/XX/2021. 
I am trying to pay XXXX XXXX XXXX my mortgage payment, but the phones are disconnected and the website will not let me access my acct. 
I have recently done a loan modification and this is my 2nd payment with the loan modification payment. 
I don't know what to do. 
Thank you,
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Vehicle loan or lease

I got a car loan through American Credit Acceptance late 2012. Since then it just seems like this company has lied & hustled me into paying additional money. I submitted a request earlier this year that I still have not received a response for. I truly believe they are misrepresenting themselves & applying my payments incorrectly. I have paid the same {$25.00} late fee about 4 times & was not delinquent when paying. They refuse to send me my original loan contract ( which I have asked for 3x now ). They either tell me " no, we can not send it ''. or they agree to send it via fax, mail, or email, but I never receive it. I tell them I haven't received it. They have told me multiple times incorrect information about how the payment is allocated, then when I speak to another agent they give me a totally different answer. I even had a manager be extremely abusive while not answering any of my questions. She proceeded to scream at me after I asked her many times to stop being disrespectful because I was just confused on their payment processing. Today they advised me since I deferred so many payments that I would need to pay the balloon payment within 2 days to avoid repo. If I had never escalated to a manager to complain I would have never known I needed to make a balloon payment. I even asked them specifically on a previous call 'since I deferred so many payments what is my new maturity date '? I also asked 'was there anything additional I needed to do ' pertaining to this same situation. There was no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). You are reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please eliminate this damaging data immediately. Also, under the FCRA section 605b, you are required by law to remove any fraudulent accounts and information that are reporting on my Credit File, I have been disputing for the removal of these fraud accounts and yet you have done nothing! This will be my last attempt to file a CFPB Complaint requesting the removal of the fraudulent accounts and information from my Credit File before I hand over my documents to my attorney. If it is not too much to ask for, please remove the following accounts now! 
XXXX XXXX XXXX XXXX  Opened XXXX XXXX, 2021 Balance {$320.00} XXXX Inquiry Date XXXX. XXXX, 2021 The Credit Bureaus are provided by federal law to respond within the statutory time limit and they still have failed to respond to my letters. I would highly appreciate it if you delete these items from reporting, pursuant of FCRA section 605b, immediately. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed the accuracy of my student loans via XXXX XXXX. Today 's date isXX/XX/XXXXand my dispute is still ongoing. To my knowledge companies have 30 days to investigate and update any inaccurate information or to delete any inaccurate information.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Account Information : AVANT LLC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX Account Number : XXXX Account Opening Date : XX/XX/2024 AVANT LLC Complaint Details : Subject : Billing Error Complaint Pursuant to 12 CFR 1026.13 ( a ) Dear Consumer Financial Protection Bureau , I am writing to file a complaint regarding a billing error with the account I have with AVANT LLC Please find below the relevant facts and details pertaining to my complaint : Account Opening : The account in question was opened on XX/XX/2024 with AVANT LLC using my personal identification and credit card information, as defined in 15 U.S.C. 1602 ( l ).

Definition of Account : As per 12 CFR 1002.2 ( a ), an account refers to an extension of credit. In relation to an account, the term 'use ' refers only to open-end credit. 
Payment History : Since the account opened in XX/XX/2024, I have consistently paid a monthly bill to AVANT LLC online using my personal debit card information. 
Receipt of Statements : I have received several statements from AVANT LLC, which include attempts to collect an alleged debt for the account number XXXX. 
Billing Errors : I have reason to believe that all past, present, and future billing statements received from AVANT LLC constitute billing errors under 12 CFR 1026.13 ( a ). This belief is based on the fact that these errors date back to the account opening in XX/XX/2024 Request for Resolution : I kindly request the CFPB to investigate this matter and direct AVANT LLC to : Correct the billing errors on my account. 
Cease any further collection efforts related to the alleged debt. 
Provide a detailed explanation and resolution to the billing errors identified. 
I have attached copies of relevant statements and correspondence for your review. Your prompt attention to this matter would be greatly appreciated. 
Thank you for your assistance. 
Sincerely
Product: Debt collection

Revco Solutions , Inc. mailed me a bill via postal mail. I never had any contracts with Revco Solutions , Inc. nor did I give this company my permission to contact me. I believe Revco Solutions , Inc. purchased my information from a XXXX XXXX XXXX XXXX XXXX. in which I did not give the XXXX XXXX XXXX XXXX XXXX permission to sell my information to Revco Solutions. Revco is a third party debt colection agency who is trying to collect a debt that I do not owe to them. Revco Solutions Inc and this XXXX XXXX XXXX XXXX XXXX has violated my privacy under 15 USC 1681s-2 ( A ).
Product: Money transfer, virtual currency, or money service

I am a XXXX XXXX in private practice. Since my office closed due to XXXX I have been working with my clients on XXXX. I have used Cash App as one way for my clients to pay for my services. I also used it to send money to others. In the last 2 months Cash App informed me I needed to change from using deposits from my local bank checking account and now I could only use my bank Debit card. The bank told me not to give my Debit card numbers to Cash App, it was not safe from scamming. First I could no longer send money, then without notice they stopped allowing me to retrieve money. They had asked for {$1.00} for their services to stay open, I sent them {$10.00}. 
I called twice to attempt to resolve this situation, they were not able to help, nor would they allow me to speak to a supervisor. They insisted I get a Cash App card that would work with a private list of banks, the names of which they would not tell me. There is a 2 week wait for the card. I informed my clients to no longer send me payments through Cash App. Two mistakenly sent me their {$15.00} co pay, one sent {$440.00} for the full amount. So I had close to {$490.00} deposited they would now not allow me access to unless I gave them my Debit card. I filed a complaint with XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> Home Equity line of credit, came on my credit report. I never got a home line of credit.
Product: Debt collection

The collection company ERC is not authorized to collect in the state of Tn. I have already contacted the company concerning this matter. I have not received any contracts from this company proving evidence that the debt is mine as are my rights. I ask the ERC provide a Full validation of this debt along with proof that they are licensed/bonded in the state of tn to collect. If proof can not be attained, I ask that ERC cease and detest any further attempts and delete the negative remark from all  XXXX  credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

We applied for mortgage loan through bank. Experian either sold or provided personal information to other lenders without my knowledge or consent for marketing purposes. Ive received 37 calls in 2 days to my place of employment from other banks and mortgage companies trying to offer their services. Majority of them stating my information was provided by Experian. This has now become a nuisance at my place of employment. Ive requested to be removed from their marketing calls, but they fail to do so. Experian should not be providing my employment contact information to 3rd parties not authorized to view my credit report.