23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Target REDcard declined my application for a credit application and was declined based on the annual income and credit report. I noticed that when the Target cashier was filling out my application, she input my income as {$12000.00} and never asked me to input my income. The only thing I was able to provide was my ID and input my SSN into the Target POS terminal. My income is much higher than what she input and should have easily qualified for a Target REDcard. My complaint is that this cashier likely did the same thing to other customers who were asked to fill out the card and they all will be declined by Target. All of their credit will get pulled by Target and applications rejected because of how this cashier processed their applications.
Product: Credit card

I paid the full credit card balance. Auto payment from my new checking account was applied to the account leaving a credit balance. I contacted the bank to request the account closure and process a request to refund the balance remaining. I was never notified that Chase would add additional interest after the account was paid off. Additionally, the employee didn't notify me of additional interest or reconcile this prior to issuing a credit refund. I authorized Chase to pay the balance and they submitted it to my closed checking account that had a XXXX balance. 

I received an email from Chase advising that the payment was rejected and they were going to submit this a second time yet my balance is showing today as XXXX on my chase account. I called on XX/XX/year> and spoke to an employee who transferred me to a XXXX. I explained I was surprised by the additional interest charged after the account had been closed and disappointed at their lack of disclosure of additional interest charges and that they hadn't reconciled before sending me a refund check. I asked the XXXX why Chase didn't inform me of the future interest that would be applied to my account when closed. She responded that they were under no obligation to do so, rather they would simply follow the request to close the account and issue a check for the credit balance. She also explained they would not have access to additional interest that would be charged until after the full billing cycle which the employee would not have had access to when he spoke with me. 

I asked for options to make sure the payment is finalized to which she said I'd have to wait an additional XXXX or 4 days for the second processing to finalize. 

I asked if or when this payment on the interest is finalized are they going to add additional interest on top of the interest and if so, how much would that be. She responded that additional interest could be charged but she would be unable to tell me until the end of the current billing cycle as to how much that additional interest would be. 

I'm very disappointed that a company such as Chase doesn't have the ability to tell people how much is actually due in order to close their accounts. If they do have the ability to do so then they fail to train their employees and managers how to fully disclose balances on accounts that allow customers to fully pay off an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm TransUnion, who has an open real estate company, and has financial services, that opened collections. Haven't received my account.
Product: Credit reporting or other personal consumer reports

I have checked my credit report and my name and address is not correct. There are many names and addresses reported and that doesnt make sense when I am one person who lives and have access to one home. This violates the FCRA in so many ways and it needs to be changed and updated. I will list the consumer laws that applies to my statement. 

Name should be : XXXX XXXX XXXX Address should be : XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX I dont have access to any other addresses. I do not live at any other address.
Product: Credit card

There was a capital one credit card opened in my name, I wasnt aware until it showed on my credit report. I called to inform capital one they closed the card but its in my credit as if it was delinquent account and not fraud, it remains on my account today. I have disputed this for several years. Nothing has occurred and Im still unable to open a capitol one account because of this fraud.
Product: Checking or savings account

I had linked my Marcus savings account to my XXXX in order to pay someone for a larger purchase ( vacation for a group trip, in which another person paid for the trip up front and we all had to pay her via XXXX ) and it was getting declined despite having adequate funds in the account. I called the customer service number, which was almost completely automated and made it extremely difficult to speak to a person. I spoke to a woman named either XXXX or XXXX ( I'm sorry I can't quite remember ) and explained the situation. She explained to me that I was not allowed to use the account for things like XXXX, paying bills, etc. I asked what the reason for that was and she reiterated that it just was not allowed and I could only transfer to another bank account. 

This seems extremely restrictive and there is really no good reason that I shouldn't be able to access my funds in any way I choose. This makes me especially anxious when considering Marcus has no physical locations. A transfer to my checking account takes a couple days and any other method that I might utilize my money, say by paying an urgent bill or unexpected expense is just " not allowed '' makes it seem like they are trying to implement rules for the sake of keeping the funds locked up tight. Although it is a savings, not a checking account, there are many, many conceivable reasons a person would need to access the funds in a way other than straight to a checking account. Further, it is not the Bank 's duty to police the ways in which a person can access their funds. XXXX nefarious activity, people should be free to access their funds in any way they choose. 
I'll be closing the account so it will no longer apply to me, but it should be noted that Marcus is being unnecessarily restrictive in their use of other peoples ' money.
Product: Credit card or prepaid card

{$800.00} worth of items purchased with my Chase credit card was stolen off my real property by an unscrupulous contractor. I contacted the police and filed a police report and tried to file a claim under my credit card 'Purchase Protection ' but have been given the run-around by Chase . I was on the phone with their representatives for almost 90 minutes on XX/XX/2018, and after being transferred from department ( XXXX to XXXX ) to department ( XXXX to XXXX ) to department, ( XXXX to XXXX ) I  was told to file the claim online and the call was disconnected. When I attempted to file the claim online I kept getting an error message saying that there is a problem and I should contact the XXXX number to file the claim. I called the XXXX number to file the claim and was told to go online to file the claim. 

I have written Chase on numerous occasions about this issue to no avail.
Product: Credit reporting or other personal consumer reports

I have been a victim of a data breach and victim of fraud and victim of identity death. The accounts listed below were never open using my consent or permissible purpose or authority. They were open using my personal private information without permissible purpose the following companies never investigated or made contact with me to validate the accuracy of these accounts XXXX, Equifax, and XXXX XXXX along with the creditors are in violation of FCRA federal law, as I was never contacted to validate the accounts mentioned. And you may be held liable pursuant to federal law title 15 USC 1681o and title 15 USC 1681N for negligence. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law
Product: Checking or savings account

My name is XXXX XXXX I am contacting y'all back case number XXXX XXXX and for case number XXXX XXXX I need to know when will the account investigation be done and completed with and when will my account be unfreeze and my online bank access be fully restored for everything on it and with it and and I need this dispute number claim number is XXXX to be reopen and investigated again because when I have called in XXXX times XXXX different agents told me they will put in a email and a request to have it open to appeal it and have them reopen it and investigate it again they told me to call back this XXXX  XXXX or XXXX  XXXX to see if it was reopen and investigate again or if theirs a update on it or not yet etc account numbers are Checking XXXX and saving XXXX etc.
Product: Checking or savings account

On XX/XX/2022, USAA allowed 8 fraud charges to my checking account causing a negative balance of XXXX. I did not make or attempt any of the alleged charges that they posted to my account. 
My account had a balance of {$4.00} on the XXXX. On the XXXX USAA created and posted fraudulent charges to my account, resulting in the balance at XXXX. At this point the bank fraudulently charged my account 7 additional times, even though my account already posted a negative balance. I also didn't receive any notification of suspicious activities and wasn't alerted to these charges until I checked my account on the XXXX. Alerting me of suspicious charges is standard operating procedure. For example, on the XXXX of XXXX I received a suspicious activities alert, which I verified was me. This type of notification has happened multiple times this year, in which I get text, emails/notifications on my account page. None of this occurred this time, not a single text or word uttered by the bank during these charges. I got those past notifications with a positive balance in my account, so this was very strange, and not at all in line with their professed standards. 
I called very confused about what happened, and the USAA rep mocked me, and blamed me for not paying them for overdraft protection. 
I followed up with why you would charge my cards 7 different times after it's already negative. I have NOT been able to spend a XXXX, a single solitary XXXX over what I have in my account for food or gas, or electricity. She then said they weren't merchants .... But on the XXXX my bank rejected the charge from my Electrical company because I didn't have enough in my checking account. At the time, I had enough money in my account because my checking held {$500.00}. They have outright refused to process any payments without the full amount being available in that specific account, but because I didn't pay them for Protection coverage, they decided to make 8 separate fraudulent charges, and post them to my account, in direct response to not paying the bank additional fees. USAA created and posted fraudulent charges to my account, directly defying their own policies and procedures for processing payments for a negative account balance. And they not only did it once, but they also conducted this illegal activity 8 separate times. And their response was pay for our overdraft plan, and that I can't overdraft my account, nor can electrically companies, XXXX XXXX, XXXX, XXXX foods, gas stations or any needs of mine, but merchants with no relation to me can charge my account at their discretion. 
Following their own procedures, it should've been impossible to make a charge on my account when it was in a negative balance, but instead they not only allowed but facilitated 8 separate fake charges to an account with a negative balance. My mother transferred me {$120.00} on the XXXX ( unrelated to this event ), in which USAA stole that money, and has outright refused to start the investigation, or return the money they stole.
Product: Credit card or prepaid card

On Sat XX/XX/XXXX, I attempted to use my Chase Visa # XXXX At XXXX XXXX & was very surprised to learn I only had a few hundred $ available. I then used my ATM, & when I left XXXX XXXX, I called CHASE VISA & per XXXX at Chase card services - on my account # XXXX my payment of {$5500.00} ( that I made Electronically from my checking account on XX/XX/XXXX ) did not come in until XX/XX/XXXX, was not posted until XX/XX/XXXX, and then was reversed stop payment XX/XX/XXXX! XXXX supervisor, XXXX, refused to take my call because we do not honor the stop payment The payment teams dont handle this type of concern per XXXX. ******** After worrying all weekend, I attempted to follow up with this problem with Chase fraud recovery investigation, on Monday XX/XX/XXXX, XXXX XXXX ( see attached ) XXXX I only got VM- I was referred to XXXX XXXX XXXX. 
XXXX Was FAR less than pleasant OR PROFESSIONAL saying WHOA!! That sounds like a real mess!!!! You owe {$29000.00} too!!!!! Yelling at me. My response was, no I dont. And I hung up on XXXX. 
I then sent an email to XXXX XXXX at the XXXX Ca XXXX Branch & with her investigation, she believes that a {$5500.00} payment was made twice to CHASE VISA # XXXX. Thus, I called CHASE VISA back this morning, initially spoke with XXXX & eventually a supervisor again ( XXXX who apologized for the inconvenience ) & I explained to XXXX That we have gone far beyond INCONVENIENCE!!! That ALL that ANYONE had to do for me on Saturday XX/XX/XXXX, had to do was LOOK AT MY TRANSACTIONS & they would have SEEN WHAT HAPPENED instead of causing me so much anguish, anger & worry!!!!! I do not understand why CHASE BANK IS INTENTIONALLY TRYING TO RUIN MY PSYCHE & my LIFE!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  is showing my account as closed/charge off with a {$0.00} balance after I fought four months to close the account with the {$0.00} balance. Account closed, finally as charged off after 4 deliquent months on a {$0.00} balance.
Product: Credit card

On XX/XX/year>, I received a credit card from Citibank. I neither applied for nor consented to the issuance of this card. I contacted Citibank customer service and reported this on XX/XX/year>. Citibank 's representative advised me that they would freeze the account but could not tell me if there were any charges on the card. I have not activated the card. I have never been a Citibank customer. Citibank 's representative further advised me that I need to send them a letter detailing the circumstances, which I will do.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDNELNET Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXX - Balance {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXX - Balance {$7000.00} XXXX, XXXX XXXX XXXX # XXXX - Date opened XX/XX/XXXX - Balance {$1400.00} Unauthorized Inquiries 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
Product: Debt collection

received collections notice from Allied Collections agency about ( XXXX ) medical bills. I received this notice on XXXX/XXXX/2015. The letter was dated XXXX/XXXX/2015. My attorney sent dispute letter to collection agency on XXXX/XXXX/2015 one day after I received it. I have attached that letter. They asked for verification and itemized details of the charges. This collections debt showed up on my credit report in XXXX and it showed that it was XXXX reported in XXXX 2015. They had never sent verification of the debt to my attorney before it showed on my credit report and still have not. Their illegal reporting of this debt damaged my credit score and credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Contacted The Company Capital One Over The Phone About 3 Statement Periods Not Reporting On My Credit Report ... And They Said They Don't Know What's Going On And It's Nothing They Can Do About It.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your improper procedures are highly damaging to my credit score. Please immediately delete this item. In accordance with the Fair Credit Reporting Act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  & Inquiries XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consent and instructions.

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report and noticed that some accounts have late payments during a time spent in XXXX, However I talked to these creditors below and I should not have any missed payments. 
Account Name : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX Date Open XX/XX/XXXX Reinvestigate and update payment XX/XX/XXXX to on time. DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F ) Account Name : XXXX XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Reinvestigate and update payment XX/XX/XXXX to on time. DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F )
Product: Mortgage

US Bank refuses to apply the amount I paid in XXXX to my escrow account. I sent a specific check with a note on the check and to a specific address for escrow accounts. They're telling me since my mortgage is in default in XXXX that the amount will not be applied to my escrow account and will now be held until I can pay my mortgage again. My mortgage was current in XXXX and XXXX and I don't understand why the amount can not be applied to my escrow account.
Product: Debt collection

i have been receiving calls from several numbers XXXX XXXX XXXX XXXX Caller ID state " Convergent '' nothing else since the beginning of XXXX, they call about 5 time or more a day from different numbers and leave no message. I spoke with them in the past about this issue about a year ago and they stopped. They stopped because i threaten to file a lawsuit against they because they stated i owe them when i have documentation providing i dont. and now its starting to happen again attached are screenshots of recent harassing calls but not all.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent out a letter along with my driver 's license and utility bill as proof of identity/ address to Experian here is my tracking number XXXX. The letter was to remove any personal information I do not want on my consumer report. Not only did Experian not remove the information requested they completely ignored my dispute. 

Experian is in violation of FCRA 15 USC 1681i ( a ) ( 1 ) ( a ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency as disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Experian is in violation of FCRA 15 USC 1681 ( a ) ( 2 ) ( a ) Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 


Experian is in violation of FCRA 15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

I did not give Experian written instructions to furnish the disputed information on my consumer report. 


According to FCRA 15 USC 1681 ( a ) ( 4 ) Congressional findings and statement of purpose, I as the consumer have a right to privacy. 

Experian is in clear violation of my federally protected rights.
Product: Prepaid card

I got a Vanilla Gift card from the company I work for. It was for {$100.00}. I was able to use it XXXX time for about {$4.00} at a store. Since then it has been declined everywhere I have tried it online and in person. It is not an issue of the card not having enough balance or not being activated. I verified both online.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX