23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to formally raise a concern regarding what I suspect may be violations of antitrust laws. On XX/XX/2021, I opened a Milestone credit card account with Genesis Financial Services, aiming to rebuild my credit. Recently, upon reviewing my account statements, I noticed a recurring charge of {$12.00} labeled as fees, persisting despite my regular payments. Although I was aware of the {$49.00

} annual fee, the monthly charge was unexpected and not adequately disclosed. Upon reaching out to Milestone Credit Card
customer service, now managed by Concora Credit, I was informed that this fee was mentioned in the fine print of the Terms and Agreement. However, I am concerned about the lack of transparency surrounding this fee and its impact on my account balance. Additionally, I sought clarification regarding whether interest was applied to this {$12.00} fee, but the response was not satisfactory.

Furthermore, I discovered that opting out of this fee requires submitting a written request to close the account, which appears unduly burdensome and disproportionate given the lack of prior consent to such terms.

I am deeply troubled by the potential deceptive practices surrounding these fees, which may violate consumer protection laws, including the Federal Trade Commission Act ( FTC Act ). Such actions by Concora Credit ( Milestone ) raise serious questions about the fairness and transparency of credit card operations.

I respectfully urge the Federal Trade Commission to conduct a thorough investigation into this matter and take appropriate action if any violations are confirmed. I am fully prepared to provide any necessary information or assistance to support your inquiry.

I am requesting a credit of {$170.00} and any interest accrued as a result of these charges. This is the amount of fees of {$12.00} I received since renewals of card. I am only aware of {$98.00}. How is a consumer able to pay down an account that they are basically stuck with until a written letter is sent and full payment is made.

I have also submitted a complaint to the FTC. The Report Number is XXXX. 

Thank you for your attention to this matter. I eagerly anticipate your response.
Product: Credit reporting or other personal consumer reports

This is my XXXX 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 an alleged fraud or extortion. 
XXXX XXXX XXXX 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
Product: Credit card or prepaid card

On XX/XX/XXXX, I paid off the stated balances on their website for my three credit cards with Capital One. The due date for payment was XX/XX/XXXX. On XX/XX/XXXX, I was charged additional interest on all three accounts. Specifically, I paid {$2800.00} on XX/XX/XXXX and was charged {$37.00} on XX/XX/XXXX. I paid {$3400.00} on XX/XX/XXXX and was charged {$57.00} on XX/XX/XXXX. I paid {$1300.00} on XX/XX/XXXX and was charged {$21.00} on XX/XX/XXXX. I called on XX/XX/XXXX to customer service to ask why I was charged interest on a balance already paid and got some lame explanation which basically amounted to " that's the way they do things here ''. I asked to speak to a manager who basically said it was my fault for not calling them for a pay off so they could calculate the remaining interest. I asked her if that instruction was on the website and she said " no ''. I asked her if there was instruction on the statement and she said : " probably on the back '' then I informed her I could not know that because I do not get paper statements. I asked her if she thought it was fair to charge interest on something you already paid off and she said " it's our policy '' and when I asked her why the website does not reflect to the XXXX what is owed [ including interest ] in the " current balance '' box she said " that is something we are trying to correct ''. Please help! I have paid so much money to be debt free and now they do this!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I paid my loan in full and received document that the account was " PAID IN FULL " from NC FINANCIAL Solution on XX/XX/2019. Upon checking my credit report they reported me 30 days late on this specific account for XX/XX/2019. 

I follow-up with NC FINANCIAL Solution and XXXX XXXX to try and resolve account amicably and they do not want to resolve this 30 day late when I have provided them documented proof they actually issue for final payment.

NC FINANCIAL SOLUTION replied as reported late although I have paid the loan in full.

It appears that these consumer disputes only go one way from DATA FURNISHER to Consumer reporting Agency. THE CONSUMER HAS NO RIGHTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrote a letter to Equifax XX/XX/XXXX to remove addresses that do not occupy. They wrote back asking my to verify my current address whic I have done.
Product: Credit card

I signed up for an American express XXXX XXXX credit card, and there was no credit limit on the card. The card was paid on time every month. My business partner was an authorized user on the card. My partner ordered parts for our work orders we have an XXXX  company. AMEX paused my card and told me I had to call them. AMEX XXXX XXXX department told me that a red flag was on my account because the authorize user on my account uses the card more than me, so now it looks like they are the account holder, and they would need to review my business partner credit. 

I have never in my life heard that an authorized user on a credit card spending limit is monitored and they cant use the card more than the account holder. I spoke to AMEX XXXX XXXX department and asked does it makes a difference who uses the card more the account holder or authorize user. I was told no. Either way I'm responsible to make the payments. 

After speaking to the AMEX XXXX XXXX department, I questioned the AMEX XXXX department about the false information they gave me, and asked them to show me something in writing. The representative told me it was an internal policy. Therefore, it couldn't be shown to me. I was told I had to submit my financial documents or my account would be closed. As a new business I couldn't submit pay stubs for the money I was making from my business, but I am full time employed so I submitted my pay stubs and ID. 

AMEX changed my credit card from having a flexible spending limit to having a XXXX spending limit. I was told I could resubmit my own personal bank statements to show I have sufficient savings if I want my credit limit increased.I declined. I have a business credit card not a personal one with AMEX. Theres no way Im giving them access to my personal bank statements. I believe AMEX has discriminator business practices. My credit score was a XXXX when I applied so I was credit worthy to get approved for the XXXX and Gold AMEX XXXX XXXX cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe to XXXX XXXX XXXX Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased? XXXX paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
Product: Credit card or prepaid card

I have a Citi Prestige credit card. There was a fraudulent charge on my account from XXXX XXXX for {$370.00}. This was a pending charge for 5 days and became an official charge on XX/XX/XXXX. 

I called Citi on XX/XX/XXXX and XX/XX/XXXX and after 24 to 48 hours of trying to get through to them finally got through they said they would mark the charge as fraudulent and send me a new credit card. I did receive a new credit card and a new account number but this charge has now also been billed to my new credit card. I tried contacting Citi but they just kept stonewalling me saying they need time. This is a fraudulent charge and I have been with Citi for 25 years. In the past, such issues have been settled quickly and efficiently. This time, I would like Citi to step up to the plate and settle this issue.
Product: Money transfer, virtual currency, or money service

I have had an account with PayPal for many years. More than a decade, if I recall correctly. 

My PayPal account is linked to a checking account that PayPal draws from. 

I currently have a balance of approximately {$10000.00} in my PayPal account. 

Three days ago, I attempted to transfer {$9800.00} from my account to the linked checking account. The transfer was denied. I then attempted to transfer funds to another linked checking account, also denied. I attempted to transfer funds to each of three linked debit cards, all of which were also denied. 

I repeated these efforts on the following days. 

Today I called PayPal and was told that there is an unspecified security hold on my account, as a result of which I am not allowed to transfer my own money out of it, ever, to any of the bank accounts that are linked to it. I can only use it to buy things on PayPal, send money to others, or withdraw cash at ATMs up to a limit of $ XXXX a day ( and subject to the {$3.00} transaction charge imposed by ATMs ). Thus, what should be an instant online transfer will take me 20 separate trips to the ATM and cost me {$60.00} in ATM transaction fees over the next ten days. 

PayPal will not give any reason why it will not allow me to transfer money out of my PayPal account, and tells me that there is no solution.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights.

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 an account without my written instructions.

I have sent 3 letters for a 3 credit bureaus on XX/XX/23 and have not gotten a response. The open dates are inconsistent on all 3 bureaus.
Product: Debt collection

THE XXXX FROM AMIGOS PRESTAMOS LOCATED XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX HAS REPEATEDLY CALLED AND SENT ME TEXT MESSGAES ASKING INFORMATION ABOUT XXXX XXXX WHOM I HAVE NO IDEA WHO THAT IT IS. I CALLED AND ASKED THEM TO REMOVE MY NUMBER SEVERAL TIMES AND THEY REFUSE TO REMOVE IT. THE MANAGER STATED THAT UNLESS I GIVE THEM A GOOD PHONE NUMBER TO REACH XXXX XXXX OR CO SIGNER XXXX XXXX THEY WILL KEEP HARRASING ME. HE STATED THEY WEN INTO THE OFFICE AND BORROWERED MONEY ( PERSONAL LOAN ) PROVIDED ME WITH THAT INFORMATION TO A THIRD PARTY WHO NEVER AUTHORIZED TO HAVE MY PERSONAL CELL NUMBER AS A CONTACT IS AGAINST FDCPA AND HARRASING A THIRD PARTY WHOM DID NOT SIGN A CONTACT IS ALSO VIOLATING FDCPA.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX. Sec. XXXX ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed DEPTEDXXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XX/XX/XXXX
Product: Debt collection

I am writing to express my frustration as you failed to remove the remaining fraud account from my credit report, despite confirmation from the bank and assurances over the phone. Other bureaus have already complied. Please remove the account immediately as agreed with the bank and in compliance with the law. 
XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX  XXXX {$4000.00} XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX {$300.00} XXXX XXXX  XXXX {$400.00} XXXX XXXX {$580.00} XXXX  XXXX {$490.00} XXXX XXXXXXXX {$400.00} XXXX  XXXX XXXX {$480.00} XXXX XXXXXXXX {$1500.00} XXXX XXXXXXXX {$830.00} XXXX  XXXX {$760.00} XXXX XXXXXXXX {$720.00}
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XX/XX/XXXXAccount Number : XXXX Account Name : XXXXXX/XX/XXXXAccount Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXX/XX/XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX section XXXXXX/XX/XXXXXXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXXXX/XX/XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXXXX/XX/XXXX XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of XX/XX/XXXX which antedates the report by more than XXXX years. 

XXXX XXXX. XXXXXX/XX/XXXX 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 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 reporting, credit repair services, or other personal consumer reports

Transunion has failed to respond to my credit dispute letter that I sent on XX/XX/2020. As a consumer, I have rights under the FCRA and Federal Law mandates that I get a response to my dispute letter within 30 days of receipt. Under 15 U.S.C. 1681i, of the FCRA all unverified accounts must be promptly deleted from my credit file. The accounts XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX are inaccurate and unverified, and I am requesting that are deleted from my credit report immediately.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX A XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5500.00} ; XXXX ASSOCIATES I ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report from Transunion. The credit report showed credit inquiries that I did not authorize. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. 

Please remove this inquires listed below and freeze my account : * XXXX XXXX -- XXXX XXXX * XXXX  XXXX -- XX/XX/2023 Please remove these inquires from my report within 30-day time allowed investigation period as pursuant to 15 U. S. C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer. 
Please, either provide me with strict proof I authorized these inquiry such as signed application or contract or recorded telephone call or delete the inquiry immediately. 
If you ignored this letter and do not delete the inquiry or do not provide strict proof of authorization I will have no other alternative than to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. Along with a litigation matter in my state court. 
Finally, under Sec. 609 Discloser to consumer ( 15U. S. C 1681g ) ( A ) Information file ; source : report recipients : every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) ( 16811h ), clearly and accurately disclose to the consumer.

( 1 ) All information in the consumers file at the time of the request except thatA ) If the consumer to whom the file relates request that the first 5 digits of the social security number ( or similar identification ) of the consumer not be included in the discloser and the consumer reporting agency has receive appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such discloser, and ( B ) Nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit score or any risk scores or predictors relating to the consumer.

( 2 ) The source of the information : except that the source of information acquired solely for use in preparing an investigation consumer report and actually use for no other purpose need not be disclose. Provide, that in the event an action is brought under this title, such shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. 

Kind Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

While looking at my credit reports, I noticed the following account had a discrepancy in the " payment history '' section of the auto loan from capital one auto financing Account ending in XXXX This charged off account is reporting payment history each month last a late payment, when it should not since the account has been charged off, This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report is accurate, consistent and updated
Product: Credit reporting or other personal consumer reports

I am writing to contest the presence of this bankruptcy on my credit report. The filing and reporting dates, along with the closing dates, do not align. This is disconcerting as I possess a court letter clearly stating that this bankruptcy should not be reported to you. Moreover, the involvement of an unauthorized third party adds absurdity to this situation.
Product: Credit reporting or other personal consumer reports

We purchased a new vehicle last month. The dealership was told that we would be paying for the vehicle and NOT FINANCING it. They indicated they would not do a hard credit inquiry. 
We found that a hard inquiry was done on myself and my son on XXXX. 
XXXX XXXX was notified and a complaint was logged with them. They told me I needed to contact you also. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Capital One Via Dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX