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

We applied for a health credit card. The credit card is CareCredit. The card offered 6 months interest free. The card was used on XXXX date of XX/XX/XXXX. The facility used {$400.00} for XXXX  expenses and {$400.00} for the facility on that day. The promotion was for 6 months interest free, which ends in XXXX. The interest would start in XXXX of XXXX if not paid in full. The interest starts and we continued making the regular monthly payments. When the month of XXXX came two separate interest charges were billed to the card. The monthly charge and a large interest charge of {$120.00}, the came from a second promotion of a twelve month interest free that was placed on one of the {$400.00}, billed on that same day. The representative said it was two separate promotions but it only suppose to be one. We dont understand whats going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from Rentgrow should have been removed from my XXXX credit file this month as it is stated to when viewing my report..
Product: Debt collection

In XX/XX/2022, I was contacted by XXXX about an outstanding debt due to XXXX XXXX for an account opened fraudulently in my name. The amount of the alleged account was {$110.00} for account number XXXX. I immediately filled out a form with the FTC noting my identity had been stolen to open up an energy account for property in Texas. I've never lived in Texas. I live in XXXX XXXX, Louisiana where I am a practicing XXXX  and own my XXXX. I printed out the affidavit and information from the FTC 's website and sent it to XXXX XXXX of XXXX XXXX. I followed the law and properly reported to all three credit bureaus the fraud and identity theft ( all done on XX/XX/2022 ). I spoke with the representative from XXXX and she told me that they reported the debt was unfounded to XXXX XXXX. Nonetheless, XXXX XXXX has now forwarded this illegal debt that I do not owe to another debt collector ( all in violation of Federal Law ), Online information services sent me another debt collection letter on XX/XX/2022 for the identical account. XXXX is now shopping credit collection agencies to collect against me a debt that was secured illegally in my name. All of my ties are to Louisiana. I have never lived in Texas and it is very clear that I would not have ever opened up this account for this apartment they claim. Any company that shops an alleged open account to credit collection agencies after determining that the account was illegally opened through identity theft should be fined. I encourage the CFPB to target XXXX XXXX for an investigation. Who knows how many other Americans are being targeted for accounts that XXXX should never have opened in the first place. Someone clearly impersonated me and there was obviously no checking of credentials or information before opening this fraudulent energy account. I now have to spend my valuable time fighting this fraudulent debt again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are incorrectly reporting me as an Authorized User on XXXX - account number XXXX. ( Please see page 3 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. I have contacted the ( 3 ) bureaus to fix this issue. This negative reporting is harming my credit score. Please remove this line item from my credit report.
Product: Debt collection

Payment was scheduled to hit my bank account on a certain date. I went onto their website and extended the loan which required a payment of {$50.00} which I paid. 

They then claimed I was past due and in default and referred me to the debt collection department who demanded I make payment arrangements which I did. 

I made the first payment. They then charged me a late fee which I paid. 

It has not even been 7 days since the last payment and they are already saying I am past due when my next payment is not even due until XX/XX/2020. 

I have gotten loans from them for years but never again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Privacy and confidentiality under 15 U.S.C. 1681 XXXX # XXXX, XXXX  # XXXX, XXXX  # XXXX ( ALL THREE HAVE INCOMPLETE ACCOUNT NUMBERS ) .....

15 U.S.C 1681 section 602 A States I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 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 conviction of crimes which ante date 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 inacc urate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureau is obliged to block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$5800.00} ; XXXX XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXX XXXX Balance Owed : {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 166B : A creditor may not treat a payment on a credit card under any open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with an XXXX representative with a reference ID of XXXX  XXXX on XX/XX/XXXX, at XXXX EST. 
The conversation was regarding a debt that has been paid on my account which XXXX   refuses to remove as a collection from my report. Here are the last 4 digits of my social security number - XXXXThe creditor claims they shared the information with XXXX on XX/XX/XXXX. XXXX claims the creditor updated them in XXXX that the bill was still unpaid. Both entities continue to swear to these statements. The creditor is First Federal Credit Control. Here is their link. https XXXX //www.ffcc.com/ The amount owed was is {$150.00}. I spoke at length to the creditor and they acknowledge the debt has been paid and was reported to XXXX on XX/XX/XXXX of this year with the following credit report number XXXX. I also filed a dispute with XXXX. My dispute confirmation number is XXXX I am purchasing a home. This should have been removed. Please help. Thank you.
Product: Credit card

I have tried several times to make payments on this credit card, today XXXX of month, my payment is due the XXXX. Before their ridiculous XXXX deadline, it stated my payment would be posted on the XXXX. This would be the third time they have slapped me with a late charge, the first time was because I submitted my payment at XXXX. They are Eastern time, I live in Arizona. I can't make an online payment the day it's due? I want my late charges refunded because I don't believe this is a fair practice at all.
Product: Vehicle loan or lease

I traded my XXXX Honda fit in at a car dealership. The payoff was not made in time and the lender American Honda finance reported to the agency I was late and did not make my payment. This made an absolute terrible mark on my credit score. This trade in was nearly a month ago and since then the car has been paid off finally by the dealership on XXXX XXXX  2017. However American Honda finance has also never updated the report and they still show my account as being open although the car has been paid off which is still making a direct mark on my credit score
Product: Debt collection

Multiple repeated calls at random times from random spoofed Caller IDs. 
Has been at least 2 months since I tracked these, none answered.

Caller ID says " Portfolio Recovery '' on most calls but area codes are always different. 
None have left messages to voicemail, and I have no debt issues.
Product: Mortgage

We had an equity loan with PNC which was paid off thru a fraudulent foreclosure they put us thru. We were evicted and no longer live in the house this complaint is in regards to. I received today a change of address to our new house. " It states for security reasons we are sending this letter to the old address on file. Please notify us immediately at PNC if you did not request an address change. '' I immediately at the number given on the letter. I was transferred to XXXX different departments. Not one of them could answer my question as to why an address change was generated when I never requested one. I find this deplorable and also wonder what else they are doing. This is wrong is so many ways. One of the departments showed my account inactive but still showed a balance? Copy of the address change attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX hasnt reported my credit card account to XXXX  and transunion its been almost two months and i called them and never heard back from them and i closed the fraud dispute and told XXXX XXXX XXXX that this credit card account belong to me and it only been reported to XXXX and they refuse to report to other two credit agencies and never heard back from XXXX XXXX  account number ending XXXX and i would need this account to be reported ASAP THANK YOU
Product: Checking or savings account

CITI bank recently sent me a promotional savings account as shown in the attached but it refuses to open up the account for me. I have been using this promotional savings account with CITI bank 3 times during the last year or so but they are refusing to do so anymore on the pretext that I took my money out as soon as the terms of the promotion was satisfied. The terms as explained in the attached documents is to leave a certain amount of money in the saving account for 60 days and the bank will give the customer the promotion within 90 days after the 60 days condition has been achieved. I have been doing so three times so far but they are mad and upset with me that I had been taking the money out of the accounts a few days after the 60 days requirement had been achieved. This is what I was told by a few of the bank representatives. This is a hypocritical and dishonest advertising as the bank requires the customer to leave the money in the bank for only 60 days and then to be upset with the customer when the money is taken out of the account after the 60 days. At one time they did not want to open the account for me as the bank was suspicious of where my money was coming from. So I had to take the documents to them to show them the money was coming from selling of five of my rental properties. At that time the bank opened up the account for me and I received the bonus. But this time the bank is mad at me because I have been taking the money into another bank with higher interest as soon as the 60 days period is reached. The attached precisely explains that the bank sent me an invitation but the bank refused to open up my account. The last time that I got the bonus I received a letter from the bank that the bank was going to close my account forever. Therefore, I had to close the account myself to avoid having a bad effect on my credits. 
Also, the last time I received a flyer in the mail that If I opened an account for {>= $1,000,000}, the bank would gave me {$2500.00} bonus. but the banker told me sine I have been a CITI gold customer I was qualified for {$3500.00} rather than {$2500.00}. But the bank only gave me {$2500.00} instead of {$3500.00}. When I objected to that I was told by the regional manager in Utah that {$2500.00} was better than nothing!!!. This is fraud in both advertising and customer relationship.
Product: Credit reporting or other personal consumer reports

This false reporting is not merely an error ; it reflects " actual " CHARGE OFF '' as XXXX, XXXX and Experian knowingly and recklessly disseminated incorrect information. The damage to my reputation has been substantial, and this defamation can not go unaddressed. IV. Financial Harm Resulting from Inaccurate Reporting Due to XXXX, XXXX and Experian willful and knowing misreporting, I have been denied credit cards and auto financing, and I do not qualify for an SBA disaster loan that is critical to my financial stability. This violation of 15 U.S. Code 1681n entitles me to recover statutory damages, actual damages, and punitive damages. The financial setbacks I have experienced are directly attributable to XXXX, XXXX and Experian irresponsible and unlawful actions Despite my repeated disputes, XXXX, XXXX and Experian persisted in reporting this false information, demonstrating a clear pattern of willful noncompliance under 15 U.S. Code 1681i. This blatant disregard for accuracy and consumer rights is unacceptable and has further compounded the harm done to my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Concerned that the information I report in employment online screenings are being used or intercepted by the wrong people including XXXX XXXX XXXX to harass and discriminate against XXXX people to " keep them from becoming successful ''. Below is a complaint I submitted about how multiple survey sites are being used as well. 

I am concerned about information getting out from multiple survey sites into the wrong hands including XXXX. There is a local church community ( XXXX XXXXXXXX XXXX XXXXXXXX ) involved with trying to 'study ' a XXXX person before they tend to XXXX XXXX. My name is XXXX XXXX and I am living in XXXX, CA with rumors from these conspiracy groups that I have XXXX XXXX XXXX myself by now with the XXXX XXXX XXXX from Florida calling to check on me after seeing a missing person 's post. These organizations are utilizing survey questions that I filled out over the years to create a false reality to try to cause me fear, become violent or make me XXXX, none which I am in order to " study '' me further. Supposedly they have placed some device in my head, but have no idea what or how it is utilized besides people at XXXX XXXX XXXX where I reside responding to thoughts. There is a hole in my head that wasn't previously here. They created some sort of " XXXX XXXX '' story and the small town of XXXXXXXX XXXX people are obsessed with me having a XXXX listed as a XXXX XXXX. Yesterday impersonating of a XXXX XXXX XXXXXXXX was used to put a homeless man 's dog down just for this XXXX to study how a XXXX person reacts. This town lists XXXX XXXX as the President in their XXXX phone book. There are multiple key players involed in using these online survey sites such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  organizations. I am being told now I can not leave the Town of XXXX and because of being financially unable to leave I am trapped in my apartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I come and go freely and since moving here XX/XX/2021 I became a XXXX at the local XXXX, just to have the local XXXX involed now with a XXXX XXXX complaint. Please remove these survey sites as they are being used to harm the XXXXXXXX XXXX XXXX XXXX XXXX, homeless and people of XXXX community. I previously used only XXXX internet for my home computer and phone by using my mobile hot spot so also concerned XXXX is involved. 

Chase Bank in the XXXX XXXX XXXXXXXX is involved.
Product: Credit card

Following up on an already disputed issue, one which my last inquiry got no response, I am amazed to find that I somehow have a credit card with Bank of America even though it was not usable after my accounts were closed. I had a small amount of credit and attempted to use it and it declined for the smallest of purchase after correspondence stating closure. I called the bank repeatedly and was hung up on several times and disconnected the other few. I am so tired of having to deal with this, I apologize for blaming this bank for not using due diligence in regards to the information I gave to the teller prior to his cashing of the check. I have documented response that my account ( s ) would be closed, the checking account was. How is it I am supposed to pay a credit card you will not allow me to use? This should have been noted, that in fact only the debit card/checking account was no longer in service. However the credit card is in fact not in service either and yet you expect payments? My name is XXXX XXXX, I 'm tired of getting hung up on and disconnected, I am very hopeful for the banks sake this has not go to collections as at that point I will have to escalate this further. How is it that I am unable to open any account through bank of America and all my accounts were closed, yet this remains. Please enlighten me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed credit inquiries in XX/XX/XXXX that lacked have a permissible purpose, of which I did not authorize. Experian failed to conduct an investigation into the matter within thirty days and instead, did not investigate my dispute at all. After a complaint and second dispute XXXX, they claimed said inquiries had a permissible purpose but failed to provide proof of said purpose ; as a credit reporting agency, they are required by law ( Fair Credit Reporting Act ) to report 100 % accurate information ; however, they are not doing so. I demand that the following disputed inquiries of which they failed to properly investigate in my original dispute from XX/XX/XXXX be deleted from my credit report : " XXXX - XX/XX/XXXX '', XXXX XXXX XXXX  - XX/XX/XXXX '', " XXXX XXXX XXXX - XX/XX/XXXX '', " XXXX - XX/XX/XXXX '', " XXXX  XXXX  - XX/XX/XXXX '', " XXXX  - XX/XX/XXXX '', " XXXX - XX/XX/XXXX '', " XXXX  XXXX  XXXX  - XX/XX/XXXX '' and " XXXX  - XX/XX/XXXX. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted numerous times to remove 3 collections from my credit report with no luck. The accounts are XXXX, Comenity Bank/ Victoria 's Secret, and XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

paypal ask me money when they owe me money.
Product: Student loan

In XXXX I borrowed 2 amounts, XXXX and XXXX. I paid these in full in XXXX, ECMC reported them to XXXX XXXX as unpaid AFTER sending me a paid in full letter. 

In XXXX I borrowed 2 amounts XXXX and XXXX. I paid these in full @ {$4600.00} in XXXX directly to ECMC. ECMC then added another $ XXXX worth of loans that do not exist to my credit using the same account numbers. 

Recently, they claimed the loans were not paid but again, I did get a paid in full letter. These items have been reported by multiple lenders, XXXX XXXX, XXXX, XXXX, XXXX and the accounts remained open even after being satisfied. Additionally, they fabricated the amount outstanding and then later rescinded the messages. 

The multiple entries sitting open on my credit have been detrimental to my borrowing power. I have already overpaid, they deleted historical payments and even claim now that the XXXX loans are outstanding ( even added a new one )!
Product: Debt collection

I have never received any documentation regarding this debt, however, i have attempted multiple times to remove this charge from credit report. In fairness, i need to be notify with the accurate information and contact of who i need to reach to discuss the charges.
Product: Student loan

In XX/XX/XXXX, our daughter was entering college and I applied for a Parent Plus Loan. I completed the application. My husband 's information was not required or requested. Our daughter 's school application had both her father and I on the loan. My husband and I share a bank account and have always shared a bank account. My husband and I have only this XXXX child and have been married since XX/XX/XXXX. In XX/XX/XXXX, my husband was injured in a fall at work which subsequently ended in XXXX XXXX. Shortly after his injury, we filed Chapter XXXX bankruptcy because we were unable to pay all our bills with him now being on workman 's comp and receiving 60 % of his normal income and the knowledge of XXXX XXXX forthcoming. At the time of the application for the Parent Loan, our income together was close to $ 90,000+ per year. Our income sharply declined to our current level of {$39000.00} for me and {$21000.00} for him. I have contacted XXXX and XXXX the servicers of the loan and explained the situation. Their policy is to forgive the loan should a parent become XXXX. They refuse to forgive this loan of {$17000.00} and our daughters loan of {$14000.00} because my husband did n't sign the loan application, YET they are wanting to debit OUR joint account for payment. My last conversation was on Wed XX/XX/XXXX and we have {$150.00} in our account. They wanted to debit {$240.00} on XX/XX/XXXX. I can provide all substantiating documents regarding the loan and my husbands XXXX.
Product: Debt collection

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a repayment plan with The uS Dept of education for loan repayment. As promised by the US Dept of education if I paid on time and completed the rehabilitation program they would once completed restore my loans to current and remove all late or defaulted and negative marks. This has not happened! uS dept of education has not removed the negative remarks from my credit file from notvone of the XXXX credit agencies as terms of the Loan Rehabilitation program. I paid every month on time as agreed.
Product: Credit reporting or other personal consumer reports

My identity was stolen. The credit people keep selling my info to other companies with out my permission.