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

last month on or around XX/XX/XXXX we went to make the payment which normally had been due on the XX/XX/XXXX for XXXX and we were late on the payment for XX/XX/XXXX from a 2 week off period with no check. Citibank normally will add  some to the payment but it was XXXX and when we went to livechat the woman harassed us and said this would be the payment from now on starting in XX/XX/XXXX without even asking why it had been late. She was unwilling to listen and harassed me and I am XXXX and do the bills for my wife. Now when I went to pay today it had the full amount of over 2000 on the payment. Home depot has been running a hidden promotion with no notice anywhere in the store that if you spend over XXXX it automatically is a promotion and nothing said or posted anywhere about their new hidden scam being shown. The rep was unwilling to work with us to have the payment the same as before and was very hostile so I cut the chat. We want an audit and investigation into their hidden promotions and these btw are illegal and showed up 3 months after the purchase was made in our online payment. Also we are suppose to get a paper bill in the mail each month and they haven't sent one in over 6 months. The payment date is the XX/XX/XXXX and this rep decided to say it was due on the XX/XX/XXXX with no prior notification of the change or authorization or paper bill sent to us informing us of the change.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent information reported on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 15 U.S.C. 1681c-2, and to request that this information be blocked and removed immediately. 
I have attached a copy of my FTC Report ( FTC Report Number : [ XXXX ] ), along with additional documentation supporting my claim. This report demonstrates that the information in question is the result of fraud and should not appear on my credit report. 
Pursuant to Section 15 U.S.C. 1681c-2, when a consumer submits an identity theft or FTC report , credit reporting agencies are legally obligated to block or remove any information identified as fraudulent within four business days.

The information on my credit report was reported without my explicit consent or written authorization. This constitutes a violation of my rights as a consumer under the FCRA. Therefore, I request that this information be blocked and removed immediately. 
I would like to inform you that I have been a victim of fraud, as unauthorized accounts and transactions have been reported in my credit history. I have also filed a complaint with the Federal Trade Commission ( FTC ), and I am including a copy of this report for your reference. 
All required documentation to support this claim is included in this package and has been sent to your agency via fax and certified mail. I demand that the following fraudulent accounts be removed from my credit report without delay : FRAUDULENT ACCOUNTS : XXXX XX/XX/year>
Product: Checking or savings account

I deposited XXXX $ into RBFCU atm, ATM indicated a technical error had happened and the money I put in can not be returned I was then provided a ticket with stated I deposited XXXX and the ATM malfunctioned the next day I took that ticket to the bank and they said they would investigate it and it may take up to 10 days, after a few days I received XXXX $ in my account and I called and they said case closed I demanded they opened up another investigation they did so I then waited another 10 days ( 2 weeks since I deposited now! ) and nothing I called and they said case was closed thats it and theres nothing they can do the bank literally robbed me XXXX $ + dollars and they say theres nothing I can do! RBFCU literally commited theft.
Product: Debt collection

I keep getting hounded by a local debt agency that ask for sensitive information such as my social security, and credit card information to pay the debt on the phone.
Product: Mortgage

XXXX ) Our loan was modified in XX/XX/XXXX to a new monthly payment of {$3100.00} ; ( XXXX ) in XX/XX/XXXX, we received notification from our loan servicer that the new monthly payment with escrow repayment was {$2600.00} ; ( XXXX ) in XX/XX/XXXX, your payment unexpectedly increased to {$3200.00} ; and we were reported to be in default then after paying {$6400.00} in XXXX the payments unexplainable changed to {$3100.00}. 
( XXXX ) Unexplained large unpaid sum appears on the monthly statement. When asked XXXX told different reasons that includes attorney fees, bankruptcy fees, inspection fees, cooperative fees and etc with no specific dates. And it varies ; in XX/XX/XXXX it was {$7800.00}, XX/XX/XXXX it was {$25000.00}, XX/XX/XXXX it was {$11000.00}, XXXX its {$18000.00} ( XXXX ) We are requesting a detailed explanation for the payment changes that include specific dates that occurred on this account.
Product: Credit card or prepaid card

Hello, I'm currently an account holder with XXXX XXXX Carecredit. I was provided interest free terms for a medical procedure that involved monthly payments of about {$420.00}. 

The interest free period was for 12 months. However, the automatic monthly payments were set up -- surprise, surprise -- for a 13-month period. Sticking with their original monthly payment scheme would have resulted in one outstanding payment falling outside of the interest free period. 

So that would mean I would pay interest on the remaining balance of {$420.00}, yes? Apparently not. I was told by an operator last week that not paying the entire balance within the 12 months would have activated the interest being withheld on the entire balance -- not the outstanding balance. That interest amounts to about {$900.00}. Even if I had an outstanding balance of {$1.00} by the end of the interest free period, the balance owed would suddenly become {$900.00}. 

This is so predatory, so sneaky, and so manipulative that I can not believe it's legal. The end of an interest free period should only generate interest on the balance that remains -- not the original amount. And the 13-month payment scheme in conjunction with a 12-month interest free period is so criminally deceptive and predatory I can not believe it. 

Please investigate this practice and outlaw it forever. 

Regards, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX on XX/XX/2023 to get this account taken off of my credit as an authorized user, they could not find said account. With all info provided by Experian to me. Along with not finding account, the balance is showing a credit line of XXXX, while Experian for XXXX XXXX XXXX shows XXXX. This is incorrect all of other credit bureaus have a balances showing limit XXXX. Please delete this account immediately.
Product: Checking or savings account

On XXXX XXXX XXXX, I visited the Capital One branch in XXXX VA. I am a longtime Capital one account holder. My father XXXX XXXX XXXX a few weeks ago, and I just received the life insurance policy check from XXXX. I went into the branch and spoke with a teller who deposited the life insurance check into my checking account ending XXXX, and was told half of the funds would be available tomorrow, and the other half available in a week. 

I just received an email that the entire amount of the life insurance policy check deposit is on hold until XX/XX/XXXX with no reason being given. I called in to Capital One customer service and they were not willing to give me any information on why my check deposit is being held for two full months. 

My dad XXXX. I need his life insurance money to help pay for his funeral. I even went to the trouble of depositing the check via a teller vs. ATM to ensure that there werent issues, and the teller assured me everything would be fine. I now can not access the funds from the check deposit for two full months for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX  XXXX  XXXX {$560.00}
Product: Debt collection

Very simple ... I have a bill from some XXXX that has been paid with the minimal amount that is suggested on the bill itself of {$20.00}. Payments have been consistent every month, certainly no reason to go to collection. 
I spoke with the dr. and his third party billing agency and all can not understand why this went to collection as they see consistent min. payments have been made. 
I received my XXXX call at XXXX from Synerprise XXXX regarding this bill. I said that my husband is our bill payer and I would check into it. I did just that to find that payments have been made of the min. {$20.00}. I then retuned a call to the collection agency to give them the information. I received another call this morning that shook me up terribly as the individual on the phone was threatening, demanding, cocky and rude. He actually hung up on me ending his call to me. 
I told him the same thing over and over that I have been paying the min. of {$20.00}. He asked me to call him back with the latest payment information. I said I was driving and that " no '' I would not do that as he can call his customer and find that out himself and there is no reason for him to even be calling in the XXXX place as again I said that payments have been made by with the min. payment. He mimicked my " no '' with an emphasizing sure surprise that since I would not call him back with the info he requested he would send me to collection that would wreck my credit and asked me if that is that I wanted to happen. I said that I will then just get an attorney as there is no reason for him to be calling me and he said " good luck with that ''. He was rude, demanding, and insensitive to the fact I was driving as I stated to him that payments have been made and that he was telling me a lie that I owed $ XXXXwhen in fact I knew the bill was down to {$28.00} and change. He was cocky in is presentation and conclusion when saying " have a nice day '' and hung up on me. This was XXXX XXXX at Synerprise. I was shaken terribly that when I got into work I called the Dr. XXXX who was very kind and then his third party at XXXX billing - XXXX. She apologized and could not understand why this went to collection. Just bad.
Product: Debt collection

Transworld is in violation of government statue : Fair Debt Collection Practices Act 809. Validation of debts. They have not sent me proof of a signed contract for the debt they acquired from XXXX out of New Jersey. I believe this debt to be fraudulent, their delays are preventing me from taking the next steps to report this to an authoritative agency as fraud, and they are causing me financial harm by reporting this as a negative collection debt on my credit reports. They will not remove this debt from my credit reports but won't send me proof it is mine! The following information was sent to Transworld XXXX XXXX XXXX XXXX, DE XXXX, by certified US postal mail and I received the card back signed on XX/XX/XXXX. Please help me with this company as they are not following the rules set by the government. Thank you RE : Collection debt of {$1600.00} reporting on my credit report XXXX. Ive previously disputed this exact debt back in XX/XX/XXXX with XXXX XXXX. They agreed and removed this debt from my credit report. They could not provide proof this was my debt. Ive never lived in XXXX, NJ. 
XXXX. I sent you a letter by US Mail on XX/XX/XXXX alerting you that this was not my debt. Ive received no response. 
XXXX. I sent XXXX a letter for your claimed debt on XX/XX/XXXX advising them I need proof that this was my debt. Ive received no response. 
XXXX. On XX/XX/XXXX I disputed this debt with all three credit report agencies : XXXX XXXX, XXXX, and XXXX. Upon their conclusion, it was stated you advised them, this is in fact my debt. 
XXXX. I called Transworld at XXXX on XX/XX/XXXX and spoke to a representative and asked her to mail me copies of proof, that this is my debt. She stated they would be mailed to me. Ive received nothing as of today. 
XXXX. I contacted Transworld again, on XX/XX/XXXX and requested copies of proof for this debt. Ive received nothing as of today. 
XXXX. Through your online website : problem solver form, I submitted another document proof request on XX/XX/XXXX. Ive received no response. 
XXXX. I called Transworld on XX/XX/XXXX to ask for the status of my previous requests, for proof of this debt. I was told the account was in dispute and that the letter/proof will be mailed today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.
Product: Checking or savings account

I opened a complaint against Netspend XXXX. They resolved this issue and sent me a check for {$62.00} and the withdrawals from the account after my brothers death. I deposited the check in XXXX, within the 90 days of the validity of the check and the check was returned to my bank as not valid. 

I contacted Netspend XX/XX/XXXX, the day I received communication from my bank and I have not received any communication from them.
Product: Credit card or prepaid card

Bank of America willfully and criminally decided to break the law by offering a credit card with a promotional APR of 2.99 % and then refusing to honor that rate immediately after issuance, under the criminal coercive strategy that If I dispute the interest as an individual my creditworthiness would be impacted. To add insult to injury, the telephone banker corruptly seemed to offer to rectify the situation with a different department when she was just attempting to coercively sell me more products to fix the error that Bank of America willfully created. 

This incident, coupled with the bankers later misconduct, is a textbook case of violating UDAAP and the Card Act of 2009. If Bank of America does not remit all erroneous interest charges and correct, I will sue Bank of America in federal court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting a identity theft account from XXXX on my credit file. I have completed an Identity theft, FTC form and submitted to XXXX and Equifax. I need your assistance in getting this item removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block Inc ) due to inadequate customer service and unfair practices, which violated the consumer financial protection act ( CFPA ), specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply, with error resolution require requirements under the electronic funds transfer act ( EFTA ) Regulation E. These actions cause significant inconvenience and financial loss, and I stick appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have contacted Transunion to rectify these inaccuracies, but they seem to not want to respect my rights as a consumer as I demanded they be DELETED immediately due to the fact that I didn't recognize them and they are causing distress in my daily life. I have reviewed my credit report and have confirmed that I did not initiate these inquiries nor have I given consent for any institution or individual to access my credit information on the mentioned dates. These unauthorized inquiries have raised serious concerns regarding the security and accuracy of my credit report. The inquiries in question are as follows : XX/XX/2023 Inquiry Type : XXXX XXXX XXXX : TransUnion XX/XX/2023 Inquiry Type : XXXX XXXX XXXX : TransUnion XX/XX/2023 Inquiry Type : XXXX XXXX XXXX : TransUnion
Product: Vehicle loan or lease

My XXXX XXXX  passed away, under tragic circumstances, in XX/XX/2023 and had an auto loan account with Toyota Motor Credit dba Toyota Financial Services . I called the number listed on one of the billing statements to advise them of his death the first week of XXXX and upon receipt of his official certificate of death, it was emailed to them on XX/XX/2023 and I even advised where the vehicle could be located which the attached email correspondence will support. 
According to the credit bureau update that has been included as well, they were fully aware that my XXXX was deceased and yet, another billing statement was issued on XX/XX/XXXX -- - 30 days after they were informed verbally and in writing. I spoke with XXXX in Collections/Customer Service and then XXXX in the Redemption Department on XX/XX/XXXX, the day the letter was received, and formally complained to them both about the egregious mishandling of my XXXX XXXX account. Both employees advised that because I was an unauthorized third party, they couldnt comply with my request to indefinitely suspend billing cease statements, despite knowing my XXXX was deceased. By far, the most ludicrous explanation ever. To make matters worse, a redemption letter was received in the mail today, dated XX/XX/XXXX, one week after I contacted Toyota Financial Services for the 3rd time, indicating the steps my deceased XXXX can take to recover his repossessed vehicle. 
Toyota Financial Services is one of the largest auto loan companies in the country so why dont they have deceased notification protocols in place and governing control checkpoints to ensure compliance and adherence to those standards? Toyota is the only creditor who has demonstrated such an abhorrent lack of empathy, unprofessionalism and insensitivity as it relates to this matter. In fact, upon verbal and written notification, all of my sons other creditors immediately ceased ALL written correspondence and provided confirmation that his account would be closed, and their records would be denoted as uncollectible since there's no estate. Why a request to cease and desist, under the circumstances, is being ignored by Toyota Financial Services is incomprehensible and unacceptable. Being compelled to revisit this situation is distressing and has compounded the trauma of losing my son. Be advised, a formal complaint was also filed with the State of TX 's AG Consumer Protection Division as well.
Product: Student loan

I am an XXXX. XXXX are eligible for loan forgiveness. I was never given the option and I always had to ask about that option just to be denied. I have had a hardship request denied, also. I always forced into forebearance or consolidation which led to more debt. I ca n't buy a house because of this. My student loans have made my credit score so low.
Product: Debt collection

This XXXX XXXX lady calls EVERYDAY from a new # claiming that I have a fraud case against me and that there are criminal charges pending ... These people are a complete joke ... When you google the number of any legit business an actual website comes up. Meanwhile when you google these numbers all these comments come up ... 

These people are absolutely ridiculous. When you can send me something in writing maybe just maybe I will call you back. I know my rights and threatening people for a supposed debt is absolutely and completely illegal. But NICE TRY THOUGH ... Guess ill be blocking this number too! 

Below are the list of other # 's she calls XXXX
Product: Debt collection

I file an affidavit with Federal Trade and Commission the reference number is XXXX, I also file a Police Report with all the list of the accounts involve with the Identity Theft. I am having a hard time in dealing with XXXX XXXX XXXX XXXX XXXX XXXX even thought the account was open back in 2008 but such account was hacked and I am not agree with Balances this account has that are not mine hackers make so much damage to anyone involve on this Identity theft issues I am Requesting Clearly to XXXX XXXX TO REMOVE/DELETE this account I am not responsible of what they are claiming to be mine. I hired XXXX to help me but XXXX XXXX continues reluctant ignoring the facts of what being a victim of identity theft means. I need your help to refer me with any other Government Agency to enforce what the law states about Consumers who are victims of Identity Theft. or may be you can help me. I am NOT agree at all with JH XXXX with their procedures about how they review and deem this account to be validated, Confirming my Address and my Name, signatures, etc ... does n't mean I can not be immune to be a Victim of hackers utilizing my name to commit fraud/scam utilizing my name pretending I am the one who is doing whatever they are doing. This is the point that XXXX do NOT understand and where I need help for someone to explain them what a Victim of Identity is about. Thanks.