23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I executed a new Lease agreement XXXX/XXXX/16 with XXXX XXXX XXXX in XXXX, Pa. The loan was placed by the dealer with US Bank XXXX, XXXX. XXXX XXXX, XXXX, WI XXXX. Phone # XXXX XXXX. I received my first " Lease Billing Statement '' from the bank dated XXXX XXXX, 2016, Payment due XX/XX/XXXX16. I then set up a Bill Payer account with my bank, XXXX, here in XXXX, Pa. The check was sent XXXX/XXXX/16 and received by the US Bank N.A. I next received a Lease Billing Statement dated XXXX XXXX, 2016, for XXXX payment. The check was dated XXXX/XXXX/16 and cleared the bank XXXX/XXXX/16. I started getting calls from the US Bank, approximately on XXXX XXXX, 2016, saying that they did n't receive payment and I will be incurring Late Fees if not paid. I checked with the XXXX and the check was stamped on the back " For Deposit Only, US Bank, followed by " Credited to Acct XXXX XXXX, also a Return Acct #. I called the US Bank and gave them the above info and was informed by several individuals that the account numbers mean nothing to them and that I will have to pay a {$30.00} fee for a " Research Request '' for them to locate MY CHECK in their accounts, to which I refused. I called back and spoke to a XXXX who said that no, I do n't have to pay the {$30.00} dollars and she will fill out the request and forward it to their " XXXX Research Dept. '' Also, XXXX faxed a copy of the cancelled check to the US BANK XXXX, at Fax # XXXX XXXX, provided by XXXX XXXX US BANK XXXX I have again received calls from the bank stating that my payment is late and I 'll be incurring late fees and this may affect my credit rating. I 've been pleading with the banks reps to please look up their account # 's on the back of my cancelled check, to which they ALL replied that 's not possible. I did make this payment and am being treated rudely and unfairly by this banking institution, which I have NEVER had in the past. Yesterday, XXXX XXXX, 2016, I called the US Bank, one more time, to discuss the matter and was told they may not be done researching my payment until the XXXX of XXXX. The rep said that they received my copy of the cancelled check, but he could provide no resolution and I should n't be getting any payment request phone calls ( harassment ) for another 5 days. Thank You for any assistance that you can provide. I 've never in my XXXX years received such disrespectful and unprofessional business practices as I 've received from the US Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXXBalance : {$10000.00} XXXX XXXX XXXX68****Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXXXXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXXBalance : {$10000.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I contacted Bank of America because I noticed a fraudulent charge. I was charged 4 times by XXXX XXXX for {$630.00}. 

I made contact with Bank of America representatives on XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX as well as on XX/XX/XXXX ( contact was made both in person at a financial center and over the phone ). The XXXX  case was closed several times saying that these charges were authorized and posted correctly. These charges were not authorized. I am not and have never been a subscriber of XXXX. No one has or has had access to my debit card number other than me. This is 100 % XXXX. I am willing to provide any additional information that will help resolve this. Thank you in advance.
Product: Bank account or service

I opened a Chase XXXX Business Checking account with a coupon to receive a {$500.00} bonus when you deposit {$500.00} and maintain a balance of at least {$500.00} for 60 days. I deposited {$500.00}, waited 60 days and saw no bonus. I sent a secure message through chase online and got a response saying : 1 ) the original {$500.00} needed to be in " new '' money, 2 ) I should talk to the bank who could offer an exception to grant me the bonus as the original banker had promised. Firstly, the banker, who opened the account for me, told me at the time that I would get the {$500.00} bonus if I deposited the {$500.00} to open the account, he did not tell me the {$500.00} deposit had to be " new '' money. Thus, in front of him, I deposited {$500.00} to open the new account with other Chase money, not " new '' money. So I called the bank and the manager said her marketing manager would not honor the bonus as previously promised by the banker. I had just deposited {$600.00} in " new '' money to the account as a sign of good faith but the manager still said no to the bonus. I have been mislead and now seeking the {$500.00} bonus as originally promised. 

Thanks.
Product: Checking or savings account

Company has charged me XXXX dollars in fees in 45 days. They are stealing my money on transactions i have cash for pos service. They are closing my account and refuse to give me my money back they have caused me to be late on rent and not have groceries in my house its ridiculous. XXXX dollars charged in funds for transactions they paid but i declined overdraft service and i had money in the account.XXXX dollars XX/XX/XXXX. XXXX charged on XX/XX/XXXX. XXXX on XX/XX/XXXX. XXXX on XX/XX/XXXX. XXXX on my XXXX. XXXX on XX/XX/XXXX. XXXX on XX/XX/XXXX. XXXX dollars on XX/XX/XXXX. XXXX on XX/XX/XXXX. XXXX on XX/XX/XXXX. XXXX on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have disputed this account last month and it came back verified.

I have written to dispute the accuracy of information on my credit report. According to the Fair Credit Reporting Act FCRA Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

According to FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681c 15 U.S.C. 1681i 15 U.S.C. 1681n All these laws should be applied when it comes to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed issues with my credit report affecting applications for a mortgage, and an auto loan having to accept a car I did not want.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a XXXX XXXX Credit Card customer for years and have paid my bill each month with NO late payments. 

About four months ago, I had a minor problem with a charge on my bill - the charge was less than {$20.00}. However, due to the fact that ALL of XXXX XXXX consumer affairs calls are out-sourced to NON-SPEAKING English countries, an customer care person in XXXX made a mistake and cancelled my credit card. 

Each time I have been told that a replacement was sent, another XXXX XXXX overseas representative informs me that the last one lied and NO card was sent. 

Since, I have NO help nor success in getting my credit card replaced. Each time I have called, ALL of the customer care XXXX XXXX credit card representatives have been EXTREMELY unprofessional, spoken EXTREMELY nasty to me over the phone, and NONE could understand nor speak proper English due to the out-sourcing that XXXX XXXX do. 

Consequently, the XXXX XXXX customer care service is - AT BEST - LOUSY! Unfortunately, there are NO English speaking American customer service represtentatives available for XXXX XXXX customers to speak to! 

Currently, due to the slip-shoddy service I have received from XXXX XXXX in the past four months, I do not have a credit card! 

What can you and your staff to do resolve this problem? PLEASE do not out-source this problem to another over-seas NON-English speaking individual. 

ALL OF THE XXXX XXXX CUSTOMER SERVICE REPRESENTATIVES, SO FAR, HAVE BEEN EXTREMELY NASTY and UNPROFESSIONAL.
Product: Checking or savings account

I currently use an app called XXXX which is a payday loan app that uses my bank account information to determine a line of credit. On the app there is a section that displays the bank account balance unfortunately it is not in real time I was in the forms that I could make this complaint to suggest that PNC ( which is the bank account I use ) Partners directly with XXXX so that real-time reporting of the balance can be achieved. This would benefit all other XXXX XXXX users who have PNC as it would inform you of WHEN the loan deposits to the account, expediting the process of knowing when the money is accessible so that requesting the loan and knowing when the money is accessible is taking place in one convenient location, within the XXXX app.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX been paying on a loan amount of XXXX XXXX noticed the amount of the loan get higher as Im paying twards it. I was told they charge a crazy interest rate thats way higher than my state even allows their rate is 228 %
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over XXXX  days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within XXXX  days, and if you don't, those items must be removed from my report. 

Since it's been more than XXXX  days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, XXXX have no choice but to consider legal action, as this ongoing delay has caused me considerable XXXX. 

Additionally, I was affected by the Equifax, XXXX, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an outstanding balance on a car loan with XXXX XXXX, according to my Equifax credit report. Sadly, I was involved in a car accident, the car was a total loss, and the debt was fully paid/settled. As a result of the inaccurate information Equifax reported, I am unable to replace the automobile. Which makes matter worse especially for anyone trying to purchase a vehicle during these times ( shortages, dealer price gouging, increased rates, etc. ) XXXX has also validated this information and stated that no error was made on their end, and that all credit reporting agencies have been informed that the loan was paid in full. 

My credit report has been updated by XXXX and XXXX with this information as of XX/XX/2022. Equifax has not provided any recent information for some reason. I've tried to contact XXXX, but so far without success. XXXX, who I spoke with when I called Equifax today ( XXXX ), informed me that their information is accurate. 

As stated above, this loan has been fully paid. This auto loan has been completely repaid, and the account has been closed, according to the XXXX and XXXX report from XX/XX/XXXX. When I called XXXX XXXX XXXX XXXX XXXX XXXX, I was informed that the loan had been fully repaid and that all credit reporting agencies had been notified. 

Thank you.
Product: Debt or credit management

I attempted to open a secure business credit card, i didn't agree with the terms, they told me it would be two weeks before i get my money back and my rent was due. I was hoping to pay my rent with the credit card, but i needed them to correct the terms. There where a few parts in the agreement that i brought to their attention. Here they are as followed. I dont agree with the Following Paper work summited after my colleterial was taken, SUCCESSOR AND ASSIGNS section which states, You agree that we may at any time assign or transfer to another person your Account, you Account balance, or this Agreement. The persons to we transfer or assign your Account., your Account balance, or this Agreement will have all of our right under this Agreement. You will not assign or transfer, any of your right or duties under this Agreement, and this Agreement is binding on your successors, heirs and legal representatives and upon anyone to whom you assign your assets or who succeeds to them. This is clearly fraud if this company wished to control my company and it's likeness, the agreement would have to be unilateral. My company XXXX XXXX XXXX XXXX has licenses that we issue for this particular situation. I mentioned this once in the case previously filed with the cfpb on XX/XX/2023 against the company Bank Of America Inc Complaint Number XXXX. This company is clearly attempting to commit fraud. And i attend to correct this issue. This is my company XXXX XXXX XXXX XXXX letting them Bank Of America inc know, that without my signature and company issued licenses, all their Bank Of America Inc agreements are considered relinquished to my Company Trademark and personal name for the attempt to fraud me out of my company. I will be moving forward with activating this credit card, Bank Of America will be extending me a credit limit and line of {$20000.00} unrecoupable. And i will keep full ownership of my company name and likeness, no one shall have the ability to take ownership of the new activated account without written notice from our company XXXX XXXX XXXX XXXX, we agree upon here.
Product: Mortgage

For the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I have not received a monthly mortgage invoice or correspondence regarding XXXX changes to my ARM loan from XXXX XXXX XXXX ( XXXX, a CHASE affiliate ). Prior to XX/XX/XXXX, XXXX routinely sent my monthly invoices via regular U.S. mail. I contacted XXXX  customer center and was told that invoices were mailed to me for the referenced months, and that they would resend my XX/XX/XXXX invoice. To date, I have not received an invoice or correspondence for the months of XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. 

During this referenced time period, my address has not changed. Additionally, I have not experienced any disruptions with the US. Postal Service mail delivery to my address. Specifically, I have continuously received other invoices and correspondence from entities other than XXXX. 

My request is to investigate this CHASE affiliate, because I am very concerned as to whether they are intentionally not sending monthly invoices believing that I will default on my payments or something else. 

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

incorrect information is being reported on my credit report I've reached out to companies and bureau to fix this problem and nothing has changed
Product: Credit reporting

ATTENTION CFPB : I would like your attention regarding Equifax 's terrible investigative results. They have not verified my disputed account at all, they have not rpovded me with absolutely any results. I have almost XXXX Mortgage accounts, all in perfect standing, with XXXX XXXX XXXX and equifax could not even tel me which account they verified and how and with what documentation. Again, my caner is that this false and inaccurate account is affecting me negatively and has mixed in with my perfect credit report. I have XXXX accounts and it seems like Equifax has no answer as to what they verified exactly. This is why I am conceived that they gave not investigated my matter. Please check my reinvestigation results and see for yourself that there is no proof, no care and no professionalism in the way in which they handled my investigation regarding a misinformed account begging with XXXX ... It is not professional to report this account which is riddled with wrong information, dates and joint signatures information. I am not associated nor responsible for it, but they need to understand that the remaining accounts are indeed XXXX. A joint account was never signed by me, the others are mine. They can not provide my signature nor can XXXX XXXX XXXX, it need to be deleted immediately. Please see that they do not follow the LAW.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, Account : XXXX from 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 a account without my written instructions.

15 U.S.C 1692b acquisition of location information by debt collectors.
Product: Credit reporting or other personal consumer reports

XXXX has put XXXX XXXX on my credit report and I have reported it as identity theft/fraud. I have submitted my FTC report to them, I also completed the XXXX XXXX XXXX required by XXXX. This same account was on my XXXX and I followed the steps required and it was removed and now they put it on my XXXX. As I advised XXXX, this account was opened by my Ex whom I had a relationship with and he was abusive and I ended the relationship, filed a restraining order and he retaliated by using my personal information to open several accounts. The amount on my credit report shows XXXX for XXXX at an address Ive never lived at as well. I do have my FTC report number and the cox identity report. I am requesting this account for XXXX XXXX and their collection company Transworld Systems to be removed off my XXXX report due to identity theft/fraud. Thanks for your time. Have a great day.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2007 the HSBC account went into collections due to my XXXX and XXXX XXXX XXXX  from my military service during the XXXX XXXX XXXX. I contacted the company and made payment arrangements which I successfully completed as agreed. I was recently contacted by XXXX XXXX XXXX, again, about this 12 year old past debt, and filed a dispute. Their investigation yielded account information that was not only 10 years old, it did not reflect the payoff agreement, and subsequent paid status of the account.I again contacted XXXX XXXX XXXX by phone and was told they were still investigating the dispute and would not talk about the account. I again refuted the status of the debt, and apprised the company I would be seeking legal remedy.
Product: Credit reporting or other personal consumer reports

I've encountered a recurring issue where I am unable to view my credit report online via both XXXX and XXXX. Concerned about this, I promptly reached out to Equifax seeking a resolution. However, despite my efforts to communicate and address the problem, I have yet to receive any acknowledgment or response from their end. It's crucial for me to have access to my credit report, and I am hopeful that this matter can be resolved soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that these were Charge off accounts on my credit report. I was a casualty of savage wrongdoing. I'm not liable for these accounts, no police report or fraud affidavit is possible and no information or document is in my possession. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. A copy of my Bank Statement, Drivers License, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. The following inaccurate names : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXXPlease verify the following incorrect names. I think there XXXX be an error, please remove as per FCRA 605B, also inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, NY XXXX A XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXXThis isn't my home address. Per Fair Credit Reporting Act XXXX XXXX you are required to remove the undistinguished address on my credit report. This account included in the dispute are : XXXX XXXXXXXX