23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Subject : Request for Review and Adjustment of Interest Charges To who it may concern, I am writing to request a review and possible adjustment regarding an unexpected interest charge of {$2000.00} that recently appeared on my account with Home Depot and Citibank the issuer. 

This charge appears to be the result of a deferred interest promotional, of XXXX months on a purchase made of a riding lawn mower on XXXX -- XXXX in the amount of {$2700.00}, that expired on XXXX. While I have been making regular monthly payments since the purchase, I was not fully aware that failing to pay off the full promotional balance by the end of the term would trigger retroactive interest on the entire purchase amount of {$5300.00}. 

I did call the XXXX number on the back of my card and spoke to XXXX on XXXX as soon as I seen my statement regarding this matter. She had explained to me that the new interest of {$2000.00} is a deferred interest promotional owed and the minimum payments that went from {$49.00} are now to be {$160.00}. She also stated any new purchases made on the card is added to the promotional which I was not aware of this either to add to the interest also which I do not agree with. She would only offer if I payed the amount owed in XXXX days from the date I spoke to her above I would not have to pay interest. I told her I could not and asked to speak to the Supervisor who's name is XXXX. XXXX offered until XXXX of XXXX to pay the full amount owed of {$3200.00} on the riding lawn mower and would not charge the interest due. I stated I could not due to hardship and would it be possible to waive or reduce the interest especially since I have made consistent payments. I did not understand the deferred interest terms, which were not explained to me at the time of purchase, and was not notified the promotional was ending. He stated that the statements explain the deferred interest promotional and they can be located at the bottom each month. I proceeded to explain to him this has come at a particularly difficult time. My wife has been undergoing treatments for XXXX XXXX, which has included multiple unexpected surgeries. As you can imagine, this has significantly impacted our finances and ability to plan ahead. My wife and I are XXXX and live on a fix income. He only would say that this deferred interest is posted on the monthly statements at the bottom. I told him I have no choice but to file a complaint with the CFPB. No comment was made by him and the conversation ended. 

I have tried to stay on top of my obligations, and have always made timely payments. I respectfully ask that you consider waiving or reducing the interest charges as a goodwill adjustment given my situation. 

I would be deeply grateful for any assistance you can offer, and I am happy to provide documentation or additional information if needed.
Product: Checking or savings account

Ive been with boa for 15 years and this is no way to treat a long time customer. When my grandmother got her ss check XX/XX/XXXX ) she wrote me a check for {$100.00} for the money she owed me. Well on XX/XX/XXXX I have a {$100.00} and a {$12.00} chargeback fee. Apparently her check had bounced. Well my aunt ( whos always cleaning up my grandmothers messes ) turned around and wrote me a check for {$200.00} so I wouldnt have any negative impacts bc of my grandmothers bad check. I see today XX/XX/XXXX that boa has extended the hold from XX/XX/XXXX-XX/XX/XXXX. Thats a total of 13 days they are holding this little {$200.00} check!! Are you freaking kidding me?? Not only did I get charged a {$12.00} fee bc of HER bad check but now I have to wait 13 days for {$200.00} to be available to me? Today XX/XX/XXXX I spoke to 1 cs rep and 2 mgrs. All 3 said same thing- nothing we can do. Im beyond XXXX and want this resolved ASAP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPANIES INVOLVED : XXXX, EQUIFAX, XXXX DATES : XX/XX/2018 ITEM REPORTED INCORRECTLY : BANKRUPTCY I've been trying to get this item removed since it has been reported. I'm in the process of buying a home so I really need to have this item removed from my credit report because it's reporting incorrectly. I've recently sent more certified letters to all 3 credit bureaus disputing this information, and requesting to have this derogatory item removed immediately. The credit bureaus refuse to remove this item because they're stating the Federal bankruptcy Court verified this information. As we are all aware, the Federal Bankruptcy Court doesn't release this type of information to third parties. I've also asked for a method/proof of verification, and they refused to provide me with this information. 

PLEASE HELP!!!!
Product: Payday loan, title loan, personal loan, or advance loan

There is a a loan on my credit report that is not mine. 
I did not take this loan out XXXX XXXX XXXX XXXX has the loan. The loan originally from Speedy Cash Speedy cash The loan date is XX/XX/2023 The amount it is for {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Information is reporting on my credit report that does not belong to me. I have never had a cell phone plan or a credit card. EVER! I only use pre-paid phones. And I have never used a credit card in my life. At the time that these accounts were opened, I was incarcerated. I complained to the FTC and also the FBOP because I am unable to obtain work or ever get a cell phone plan Please remove these items from my report XXXX/XXXX XXXX XXXX  - Opened XX/XX/2018 Balance {$1200.00} XXXX XXXX XXXX - Opened XX/XX/2018 Balace {$460.00}
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX - Closed CashApp account, visa card ending XXXX. 

XX/XX/XXXX - XXXX sent refund to CashApp account with the visa card ending XXXX. Contacted XXXX to inform that CashApp account was closed. XXXX said they can not cancel the refund to reissue to another form of payment and to contact CashApp to retrieve the funds. 

XX/XX/XXXX - emailed CashApp customer support to request access to closed account so that I may retrieve funds refunded by XXXX or request CashApp send me a check for the funds. 

XX/XX/XXXX - emailed CashApp customer support & Square, Inc. customer support. 

XX/XX/XXXX - XX/XX/XXXX - Have emailed CashApp customer support multiple times. They keep sending me the same auto-reply email asking the same questions about the closed account and nothing has moved forward. There is no other way to contact CashApp customer support besides email.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2013 we traded in the vehicle financed by Santander for another vehicle through XXXX XXXX XXXX. Our credit report is stating that we were late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/2013. It further states that this account was charged off when in fact it was paid in full. I spoke with Santander in detail and wrote a letter the dispute department to them stating all of this and providing them with a copy of our Retail Installment Sale Contract dated XX/XX/2013. Santander claimed they didn't get paid until XX/XX/2013 from XXXX XXXX XXXX and therefore what they have reported to the credit bureaus ( s ) stand.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any accounts not later than 4 business days after the receipt. Also, the information provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am a victim of ID theft reported to XXXX Police Department XXXX. 
I have reported the fraud of the Capital One Credit Card stolen in United States Postal Service Mail. Or, from the mailbox at my residence. 
Capital One has not responded with a new card. 
Our correspondence has been on-going from XX/XX/XXXX to XX/XX/XXXX. 
I still have not gotten replacement card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, account no.XXXX is wrongfully appearing on my EQUIFAX credit bureau report.I opened the account in XX/XX/2015.The payments made for this account were for usage and a XXXX XXXX XXXX PHONE.All payments were made on time as I used auto-pay.At the completion of the contract I was on the phone with a XXXX Rep., settling the account.He tried to sell me a newer phone, a newer XXXX phone for {$600.00}. 
I said I WASN'T INTERESTED but there was SALES PERSISTENCE.Finally he said we will cancel everything, I WOULD NOT BE CHARGED as everything was settled to XXXX BALANCE.I kept the same phone number and transferred to XXXX XXXX. 
The entire debt is fraudulent! I owe nothing!
Product: Student loan

My loans were originated thru Sallie Mae which I never had a problem with once Navient took over my loans its been less than a nightmare. Their customer service is the worst every time you call different information is provided and they keep changing programs without any notification. I was in an income driven program with payments over {$200.00} which was a bit difficult for me and my interest rate changed from 1 % back to a higher rate then when I needed to recertified for the program they state that the requirements changed and the best they can do for me was a payment over {$400.00} which I explained was a bit much for me. Once I asked to speak to a supervisor, the supervisor then stated the best he can do is {$280.00} a month which I explained was too high and he stated there was nothing more that could be done. What is the point of taking a financial statement when they are not setting the payment based on a persons finances. Navient is not willing to help and it is making my experience to pay off my loans a living XXXX. I currently still have a loan with Sallie Mae and its no problems and they are always willing to help. 
Navient needs to be shut down before they ruining more lives financially!
Product: Credit card or prepaid card

From approximately the year XXXX to XXXX wells fargo closed my account after making significant payments on my balance.
Product: Debt collection

On XX/XX/year> I received an email regarding an alleged debt with XXXX ( online lender ) who has transferred a debt to Customer Care Global. Same day I emailed customer care global and referenced their account number. My request for verification was sent to customer care global  on XX/XX/year>. To date, no response has ever been received from customer care global.
Product: Debt collection

My name is XXXX XXXX, since XXXX I have recorded history of fraudulent debt that has and continually affected my credit and my finances. As of XX/XX/XXXX, I have worked endlessly to remove yet again another fraudulent debt, this debt is a charge off of {$800.00} through XXXX XXXX XXXX. I have reached out to the bank personally by phone multiple times asking for more information as well as starting a dispute request in which they have yet to provide. Once this account has took a toll on my credit, I took this a step further and started to dispute this account with the credit bureau 's XXXX, XXXX XXXX Transunion. By law they have taken 3 days to investigate this request and have not accepted my dispute and will not delete this account. I am growing very impatient and concerned about this matter that I can not resolve on my own. By law I am given the right to take action on fraud under my name and deserve resolution with this account. I am reaching out to CFPB to help me take matters further. Attached to this request is a current report circled in yellow showing the amount and account information. 

With all due respect, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a dispute letter to Equifax Information services as a formal written complaint for reporting inaccurate and incomplete credit information. 

the fair credit act states that I should have a resolution within 30 days of filing a formal complaint. 

It has been over 30 days and Equifax has not been able to verify information, or provide me with any feedback about the formal complaint. 

XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Reached agreement with company to remove late payment history XXXX  XXXX XXXX  Account XXXX : XXXX Please remove late payment history
Product: Debt collection

On multiple occasions since XXXX/XXXX/19, I have received phone calls from Midland Credit Management. From what I can see from my call history, I receive multiple calls a day. On Monday XXXX/XXXX/19, I took a call from them and informed the caller that Monday thru Friday between the hours of XXXX that I am unable to accept calls due to being at work. I repeatedly told the caller that I could not talk during this time. She implied I was avoiding resolution, and practically insisted I talk with her right then. The caller was badgering me about talking about the case after I clearly stated I was not able to. I stated I could not talk about it and the caller asked me what time she could call. She asked if XXXX was acceptable. I agreed. She never called that evening or since then, only during business hours. I do not recall if they called again on Tuesday XXXX/XXXX/19 or Wednesday XXXX/XXXX/19 or not, but she did call me again on Thursday XXXX/XXXX/19, and was again informed that she had been told I can not talk. She told me that I " give her that excuse every time '' and I replied that it was " because she calls me every time during the times I am not available. '' Again became abusive with her language ( no vulgarity ) and would not accept my answer. On Friday XXXX/XXXX/19, I AGAIN received a call from the same individual who began the conversation with " Are you at work? '' To which I replied, " Well, what time is it? '' She would not accept my answer of not talking about it, I reminded her that I am at work Monday through Friday XXXX and if she is calling at XXXX and it is Friday, then no, I was not talking. She again tried to get me to resolve this confidential matter while I am at work. At some point in the conversation, another individual came on the phone ( a male this time ) and I informed him of all of the above. I also told them at that point that because they continued to harass me during business hours after giving them an acceptable time frame that I would file a complaint against them for harassment and hung up. I am not interested in disputing the validity of the charges. They are mine and valid. However, I will not discuss personal business matters on the phone while I am at work and have repeatedly informed this individual of my availability to discuss, and they refuse to respect that and become abusive and hostile when I tell them so. I have witnesses of these actions as well. Abusive tactics and hostile language and continuing to call multiple times in a day and during times I have clearly stated on multiple occasions are not acceptable is a clear violation. At this time I am having a financial hardship and can not afford any more payments. This hardship is not what caused me to default on the balance- that is a whole different story.
Product: Credit reporting or other personal consumer reports

Greetings CFPB team I want to draw your attention to this XXXX  XXXXXXXX XXXX account with account number XXXX. I have always been an excellent payer of my financial commitments. I have never paid late. 
This account mentioned above presents a balance of {$550.00} which is false. It also says that it was Charge Off without first having produced a single delay. I have tried everything. I have talked to them, I have disputed the account I don't know how many times. I already have an incredible level of frustration. If you look at my account in the credit report, which I hope you do, you will see what I mentioned. 
Imagine that the Last Payment Date XX/XX/XXXX  is False, the Closed Date is also False, the Balance is False, my Payment History has no delays. The company keeps saying that everything is accurate. 
This has already affected me, my business and my entire family. I hope you can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under The Fair Credit Reporting Act : XXXX AND TRANSUNION furnish false/inaccurate/unverified accounts against my wishes, namely : XXXX  # XXXX, XXXX  # XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXt # XXXX XXXX and Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX All of these unknown accounts has violated my rights and cause me injury and damages. In addition, 15 USC 1681 section 602 A, states a consumer reporting agency can not furnish an account without consumer 's written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this Account on this XXXX XXXX XXXX   XXXX for months.XXXX  and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit card or prepaid card

This issue is on a Wells Fargo XXXX : 1. I had a {$25.00} minimum payment due on XXXX/XXXX/XXXX. 
2. I made a payment of {$100.00} on XXXX/XXXX/XXXX which they did n't apply to my card. 
3. I made a payment of {$650.00} on XXXX/XXXX/XXXX which they did n't apply to my card. 
4. I made a payment of {$100.00} on XXXX/XXXX/XXXX which they did n't apply to my card. 
5. I made a payment of {$25.00} on XXXX/XXXX/XXXX which they did n't apply to my card. 
6. I made a payment of {$34.00} on XXXX/XXXX/XXXX which they didnt apply to my card. 
7. I made a payment of {$7.00} on XXXX/XXXX/XXXX which they didnt apply to my card. 
8. I was then charged a {$50.00} late payment fee on that {$25.00} minimum payment that was due on XXXX/XXXX/XXXX. 

This makes no sense to me no matter how they try to explain it. Basically my payments were too early even though they were all paid in the same month. I paid {$920.00} towards my credit card balance all in the month of XXXX when I only had a {$25.00} minimum payment due for XXXX, but somehow they were able to charge me a {$50.00} late fee. 

I pay my bills the first week of the month, I can not understand how my payments do not count towards whatever I have due in that same month. This is absurd. It seems like just another way Wells Fargo is fleecing the consumer.
Product: Credit card

The following transaction have been recharged to my account even though i already disputed them with capital one. i am a senior citizen and dont appreciate capital one not honoring my request to have these charges refunded. I got scammed, ripped off, and never received anything for my money. 
On card ending in XXXX on XXXX/XXXX/2016 a rebill for {$750.00} and on XXXX/XXXX/2016 for {$120.00} On card ending in XXXX on XXXX/XXXX/2016 a rebill for {$2500.00}, on XXXX/XXXX/2016 a rebill for {$4000.00} and on XXXX/XXXX/2016 a rebill for $ XXXX.for a TOTAL OF {$8200.00}. 
I want capital one to honor my disputes please.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 Credit Bureaues are reporting that I have 2 Discover Bank accounts and thats inaccurate information, I only have one up to date paid as agreed with no delinquents credit card account. Its also reporting that I opened my Discover account in XXXX and thats inaccurate. I opened the account in XXXX of XXXX.
Product: Debt collection

Dear ( Midland Credit Management ) I am writing in response to your recent communication regarding the alleged debt referenced in your ( letter ) dated ( XX/XX/year>, and XX/XX/year> ). I dispute the validity of this debt and request that you immediately cease all further communication with me regarding this matter, as authorized by 15 U. S. Code 1692c ( c ) .According to the Fair Debt Collection Practices Act ( FDCPA ). Please provide validation of the debt, including the name of the original creditor, the amount owed, and any documentation that supports the validity of the debt, as required by the FDCPA. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report & noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : ACCOUNT NAME : XXXX XXXX. 
ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed inaccurate negative items reporting on my credit. I disputed the errors with all three Credit Bureaus. XXXX and XXXX XXXX removed them. However, Experian continue to send me a stall letter stating that they received a Suspicious Request. I responded and sent them everything they need to identify me, but they failed to respond to my disputes. I am being denied credit due to errors being reported by Experian. This is unlawful and I need help dealing with this matter. It has been over 120 days and They still refuse to respond to any of my disputes
Product: Consumer Loan

I have a vehicle loan through BBVA Compass Bank. We sold that vehicle to a private party XXXX XXXX, 2015. The purchaser obtained their Loan through XXXX XXXX out of XXXX, Mo. XXXX XXXX sent a cashiers check ( XXXX/XXXX/15 ) overnight for the remainder of my loan to pay off this vehicle. Compass Bank received the check XXXX/XXXX/2015 at XXXX per the tracking number obtained by XXXX XXXX. Compass Bank is unable to locate the check, thus my loan account has not been closed and is accruing interest and coming due for another payment, although I have not had the vehicle in over one month. 
I have contacted Compass Bank XXXX times regarding this missing payment. I continue to have no answers. I have contacted XXXX XXXX XXXX times, who have no concern about the loan payoff, nor the loan they opened for the purchaser. One person for XXXX XXXX informed me XX/XX/XXXX that the cashiers check had not cleared. XXXX XXXX is now refusing to inform me over the phone if the check has cleared or not. Compass Bank is requesting that XXXX XXXX either provide them with proof that the check cleared or place a stop on the check ( which XXXX XXXX stated will require XXXX days ) and reissue the check again. XXXX XXXX has not been in contact with Compass and has not returned my recent calls. I have spent hours on the phone to these companies to no avail. I am stuck and unable to get either party to look into their loans. I continue to be put off by compass with them closing requests to look into it and the research team not doing so. My concern is that my account will continue to gain interest and will require that I make a payment on the account when I have not had possession of the vehicle in over XXXX days, thus affecting my credit. I have a bill of sale and copy of the original misplaced cashiers check. The purchaser is paying on a loan that had not been cleared, and is unable to Register her vehicle as they do not have the title. At this point, I am unable to assist any further in this matter.
Product: Credit reporting or other personal consumer reports

I recently reviewed the copy of my credit reports. I noticed some inaccurate late payments that violated the consumer and FCRA law for not reporting accurately. 

I attached on this complaint the XXXX  copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.