23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On my previous statement balance I had made multiple payments that I believed were in excess of my balance. Due to my error they were not the full balance and I was charged interest. I then had a new statement issued on XX/XX/year>, interest charged that day and also made a payment that day and another one about XXXX weeks later. I called to ask for the residual statement balance and they informed me they are unable to calculate. I asked how I can avoid paying interest and they told me to pay what I feel is appropriate. I stated that doesnt make sense and likely would leave with interest XXXX XXXX despite having the means to pay my residual statement balance. They continually told me there was nothing they could do ( first person then XXXXanager ). I then asked to speak with another manager and was told they would call me after my payment due date. I informed them this was unacceptable however they would not provide other information. I am left with an unclear idea of how much to pay without avoid interest or to pay my entire balance in full and not just the residual statement balance. Given Wells Fargo history of predatory practices I feel that they are continuing to be predatory in disclosing necessary information to customers which results in unnecessary interest.
Product: Consumer Loan

I bought a car that had a series of manufacturer recalls. The work by XXXX XXXX of XXXX, XXXX was done repeatedly, by my records 14 times it was taken in. Each time more and more stuff was replaced on XXXX tab, being warranty related. The original symptoms of both the clicking noise in front suspension is clearly present. It is loud everytime you turn the wheel left or right, especially in a parking lot setting. I have videos of it with sound. XXXX out of XXXX people in a parking lot hear it and look. They can not figure it out, its been months. XXXX XXXX of XXXX did not originally log all the visit and preformed some work on days that arent showing in the vehicle record. that is my first concern. The second concern is after they put the rack and pinion steering on the vehicle there is a constant rubbing noise. It is clear there is resistance and friction, loss of power when driving the vehicle. This and the original clicking is still present. I moved to XXXX and tried a new dealership. They are able to hear the clicking noise clearly and advised they would fix it today. Today XXXX calls and reverts back to the previous excuse that they are unable to hear it. It seems like repeatedly XXXX is not adequately addressing my concerns and fixing the warrantied repairs that have already been done. I feel unsafe driving the car and want a master technician from XXXX to be setup to look at it. Please look into the case and send me a copy of all the case notes to my mailing address on file. XXXX cases were open for this issue with XXXX corporate. I and everyone on the road are at danger with me driving in the current condition. XXXX, please warranty and properly fix the damages on my car. I have a XX/XX/XXXX XXXX XXXX XXXX XXXX. The car is still under warranty, it needs a master tech to go on a road test, review the videos and fix. This personalized attention i begged for from the start and over 9 months later have not gotten the result, just excuses. Everyone is real real nice telling me why it cant be fixed though. XXXX is working on it now. Service adviser XXXX told me yesterday evening he could hear the noise but it would take time to fix. XXXX called me back, was very helpful and offered another road test. XXXX was off today. My concern is XXXX is giving up on me and the vehicle. The noise is very clear. Please setup a time to have another technician from XXXX to come test drive, diagnose and fix vehicle. Please escalate this accordingly. XXXX what options do you have? Please direct copies of all instructions in writing to my address on file and any records compiled. I would like all service records to date on this vehicle mailed to me. I would also like a technician from XXXX to be dispatched to try to fix. It 's been an unreasonable amount of time.
Product: Credit reporting or other personal consumer reports

I paid XXXX USD to a company by the name of " Top Flight credit repair '' was told I'd get a line of credit and they would dispute my derogatory marks on my credit report. I waited a year and saw no line of credit as promised and no increase or derogatory marks taken off of my report. I was scammed and never received the help I was told I would get as a vip member for the package I paid for.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnd would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$1600.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account number : XXXX Balance : {$600.00}
Product: Credit reporting or other personal consumer reports

I am in the process of buying a home and the underwriter pulled my credit report and noticed an account that ( XXXX ) is not reporting accurately and ( XXXX ) is not should not be on my credit reports at all. The account is showing me to have an outstanding balance when in fact I don't have a balance at all. The consumer reporting agencies have a legal requirement and obligation to ensure that all information is reported with 100 % complete accuracy. This account does not have an outstanding balance or any past due payments. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payment and an outstanding balance. Please note that I dispute the validity of this debt in its entirety. I request verification, validation, and proof that this alleged debt and related account belong to me. Additionally, I require evidence of a contract or agreement with the original creditor, signed by all relevant parties. Your attempt to collect this debt and the money associated with it is illegal as I do not owe it. XXXX XXXX or XXXX XXXX is contractual law and requires an agreement where the non-custodial parent is enrolled into the program. Provide the contract bearing my signature between myself and the head of the XXXX XXXX XXXX or XXXX. Without a contract, there is no legal duty. It is unlawful to advertise any debt to coerce payment. Cease harassing me as it is severely impacting my mental health. I am disputing the following account : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). 
This is an official dispute of this account, and I demand the deletion from my consumer report. Again, I do not believe that I owe this money for the above-mentioned reasons. I paid it in good faith as it is currently prohibiting my family and I from purchasing a home for us. Attached is proof of payment in the form of a money order and a receipt from the cashier of the XXXX XXXX XXXX XXXX XXXX XXXX. If the information can not be verified according to the law, I demand this account be permanently removed immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and identity theft, resulting in the unauthorized opening of several fraudulent accounts under my name. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting that you immediately block and delete the following fraudulent accounts from my credit report : XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$23000.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$12000.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$15000.00} XXXX. XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$17000.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$12000.00} XXXX. XXXX XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$23000.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$6600.00}
Product: Credit card or prepaid card

Bank of America, credit card. Over {$1600.00} I did not owe them at all. It's been over a year since I closed my account. I had tons of fraudulent charges in my account. After I reported to them. I still got more than XXXX of fraudulent charges from the same apple.com almost every day. The later solve some of them, but never finish all of the fraudulent charge disputes. And later strange things kept happening, they just randomly charge me back on the fraudulent charges that has been solved. I sent my payment to pay back my rest of regular charges, they did not recognize it. They forfeit my credit reward points worth over {$300.00} after I closed my account.... Every time I tried to talk to their customer service to solve my problem, it's always long wait and being transferred to XXXX after another department... Now my credit scores has been dropped a lot because they couldn't solve my problem after a year! Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, Experian experienced a security breach and according to their reports, I was a victim of this breach. I 've had to add credit freezes to my account at each of the 3 major credit reporters ( Experian, XXXX, and XXXX ) because of this breach. My state requires that I have to pay a {$10.00} fee to each to of these companies, so I 'm paying good money and will have to deal with these freezes in the future because of Experian 's neglect.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third 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  XXXX XXXX, WA XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$810.00} ; XXXX XXXX & XXXX XXXX : XXXX XXXX, 2023 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX has violated my rInights. And XXXX XXXX XXXX XXXX stated a late payment, when it was never later. I was going through a hardship and requested the payment be moved to the end of my loan and it was approved. 

15 U.S.C 1681 section 602 A. states that 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 instruction.
Product: Mortgage

Bank of America Home Loans provided incorrect information as to where I should wire our down payment for our new home. We ended up following their instructions and wiring the money and were informed later that the funds had n't been received. Our funds are currently in limbo as a result of Bank of Americas 's complete incompetence.
Product: Vehicle loan or lease

Hi my name is XXXX XXXX. I have issue with Wells Fargo. I was behind with my payment plan because I was not working. On XX/XX/XXXX I tried to make the payment for the amount due but the system dont allow me to do the payment. I called them XXXX and the lady who answer me told me the account is charged off and she didnt accept my payment and I told her Wells Fargo dont send me any notifications and any calls. She gave me three options Sell the car, trade it or pay off XXXX. I request to contact with the manager and make complaint because nobody notified me y I try to make the payment for the amount that I owed. Please I need to solve this matter. I know the procedures of car loans. Before they close the account they need to notified me for mail or call. Now they want that I pay off the XXXX or they repossessed the auto.
Product: Credit card

On XX/XX/year> XXXX XXXX charged my CARE CREDIT account {$1200.00} for a lower partial. By XXXX since the partial was still not delivered I canceled the charge with the CARE CREDIT and submitted a notice to the provider at XXXX XXXX that I would no longer be seeking dental care at their office. 

I am now on my fourth dispute with CARE CREDIT regarding this charge. Today I was informed that even though I submitted a notice to terminate my dental care at XXXX XXXX that the provider did not accept my notice and that I was still responsible for the charge of {$1200.00}. Never have I ever heard of such nonsense and the dental contract does not state the Provider " must '' accept my notice of termination. I never received the lower dental partial that I was charged for in XXXX of XXXX nor have any additional dental visits been made after XXXX of this year. I am going in circles with CARE CREDIT and they should be investigated as to why they fail to protect consumers from such fraud as what was committed against me by XXXX XXXX.
Product: Debt collection

Debt was settled for lesser amount. Collection agency refused to remove debt from credit report after collecting and verbally agreeing on settlement. Debt company received settlement payment and refused to remove debt or list debt as settled.
Product: Credit reporting or other personal consumer reports

I have disputed this account several times. Just to get a un validated reply. Please send 1099c proof of charge off
Product: Credit card

My statement in XXXX was XXXX, I dont pay all only I pay XXXX. So my statement for XXXX was XXXX plus I XXXX plus they charge XXXX because I dont pay the full amount, so total I due in XXXX XXXX and I paid XXXX statement shows I spent XXXX but they charge interest of XXXX, I dont know why if I paid the total in XXXX
Product: Credit reporting or other personal consumer reports

This is now my THIRD time mailing you about some unverifiable inquiries on my credit report. To recap what I have done so far : 1. I have contacted the creditors directly ( multiple times ), and all have failed to provide ANY form of verification, authorization, or proof of permissible purpose 2. I have contacted TransUnion multiple times informing you of this, and you too have failed to verify these inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, at XXXX I called USAA to investigate a misleading inquiry on my credit report. I spoke with a XXXX who transferred me to another representative XXXX. I asked XXXX for a escalation specialists. I was transferred to a XXXX XXXX XXXX. 

I explained my current situation of a credit inquiry on my credit report and went into detail how their pre-qualification is different than the industry. XXXX explained I was wrong and that a pre-qual is the same as a pre-approval. He stated that because a computer ( Desktop Underwriter ) reviewed the inquiry it has n't gone through an Underwriter that would require income verification, etc. I advised XXXX that the website and company definition is misleading ( initial simulation of income/expenses and obtaining a DTI ratio ) to consumers and he stated, " It 's not. '' I advised that the intent of the request through USAA was to obtain enough information to make a sound decision to either apply for a pre-approval or to not. 

Through our conversation, he advise that he has made a request for other people to remove the inquiry off their credit due to an error. I then asked if it 's fair that he would do that for other people when my situation was misleading. He said yes, that is fair. I told XXXX he has violated Fair Lending practices by offering other consumers a credit inquiry removal but not for me. He stated, " I have not because it was company error. '' I do n't feel my situation was resolved and asked to be contacted by an AVP/VP. XXXX 's response was, " No. I am not going to give you that information. '' I then asked for his supervisor. His response, " ... .this is going to end with me. '' I asked if I can be transferred to his supervisor 's voicemail, he said, " I can but I will not. '' I asked for his supervisor 's name, XXXX stated, " No. '' " I 'm not going to give you that information. '' I asked for a manager call back, he said, " No. '' I called back and spoke with a XXXX and asked for XXXX 's supervisor information. She offered for a manager call back within 24-48 hours. 

I feel that I was personally discriminated against due to my current financial situation as XXXX had my credit information in front of him. I was attempting to resolve my concern and was left with a horrible experience from a USAA escalation specialist.
Product: Credit reporting or other personal consumer reports

My score on Equifax was not showing on my report. please update my score and delete all inaccurate info on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in direr need of your company 's help. I had a few things on my credit file that I had questions about so I did my due diligence and disputed some things listed incorrectly. I thought everything was resolved until I went to a lender to purchase a home and they tried to pull my credit file and Equifax would not release my information. I contacted Equifax directly to find out why and I was told the information they have was different. They have my date of birth as XX/XX/1946 at one point they had it at XX/XX/1946, They have my name wrong and they have my address wrong. The frustrating part is that when I first started the process Equifax had certain documentation they required before they would do any type of investigation. The documenation they wanted was to prove my identity and my address. I sent them my driver 's license which reflects my correct date of birth, name and address. I also sent them a copy of my utility statement that also has the correct address. I mean really the utility company is the one servicing the address they would have the correct address for service. With that information in Equifax 's possession why wouldn't that information have been corrected? Now it's hindering my ability to make a move and this is absolutely maddening.
Product: Vehicle loan or lease

On XX/XX/XXXX I went to Durrett Motors to Purchase a vehicle a XXXX XXXX XXXX XXXX Vin # XXXX after going over the itemization of sale I had found additional charges that is not state regulated.
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. 


Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX XXXX 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: Credit card

I purchased plan tickets the U.S. is suggesting no one goes so I canceled the flights instead of American Express taking it off of what I owe they applied it to my available credit I dont feel thats legal for them to do that because there essentially charging me interest and payment on something they received back why should I be paying for something I dont have how can you charge me interest on credit you got back
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Please Send updated Credit report XXXX. XXXX XXXX XXXX XXXX {$4200.00} Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX opened XX/XX/XXXX Never Late Please Update paid off
Product: Credit card or prepaid card

PayPal credit. They suspended my credintials. Didn't close the account and provide me with a full detailed accounting. I disagree with the balance. They added fees and who knows what during time I didn't have visability and thought it was closed. Then proceed to default it sell it and now I am sued on a amount I have never seen with alledgedly a new account number as well. I had many problems with PayPal credit. They never sent me statments or any information. I had auto pay set up and wasn't using it. To then learn they auto drafted but would apply the payment after it's due date then hit me with huge fees then interest on the fees. I disagree with this balance. I also feel I was decived and completely shut out.