23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> I filed a claim with Chase Credit Card XXXX based on an accident I had with a rental car. According to their terms of card use, I would get reimbursed for any damage to the rental car. There was damage and the reason I submitted a claim. XXXX, I received an approval letter stating they approved the claim and that a check would be sent to my address in the amount of {$2100.00}. To this date, I have not received payment and my claim indicates closed and that I was paid. I have tried repeatedly to acquire information and speak directly to the underwriter, XXXX XXXX  Co to no avail. Chase said they can not contact them directly and they are unwilling to provide me with any contact information. The only way I can contact XXXX  XXXX is through an on-line standard contact form letter. I have sent this form numerous times asking for someone to contact me and a month has gone by with no response. Chase and XXXX XXXX Co are in breach of the terms of my credit card and neither Chase or Virginia are willing to contact me directly. I am seeking payment of {$2100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been waiting for nearly five years for Equifax to pay for the damage to my credit from their massive breach of consumer data. As a result of said breach, my credit information was used to open numerous credit accounts, and I had to hire XXXX for nearly five years to clean up that mess. Equifax was supposed to pay for my credit monitoring costs, and for all the time it took to clean up my credit. I filed claims with Equifax in a timely manner and have not heard anything from them. They are suppose dot pay up to {$5000.00}, for individual damage, and {$1500.00} for credit reporting. They have not paid a cent to me, nor have they even communicated with me. It is bad enough that they failed to protect my credit information, but it is bad faith on their part to avoid the court ordered settlement and ignore claimants. 

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

I worked hard to get my credit score in the Excellent range in the low XXXX 's. Within weeks my score dropped from 89 to 175 points XXXX : XXXX in XX/XX/XXXX to XXXX XX/XX/XXXX ( 89 pt drop ) Transunion : XXXX XX/XX/XXXX to XXXX XX/XX/XXXX ( 175 pt drop ) I contacted XXXX and Transunion to understand why my credit score was decreased so much so quickly since there has been no major problems or changes to the account except for paying off a car loan ( with NO late or missed payments over a 5 year period ) and opening a new account for another car purchase. 

I have tried to obtain information from XXXX and Transunion yet they can not find anything that has changed and refuse to correct the score. They have refused to help or even tell me how to fix the problem. XXXX also has claimed I have put a freeze on my account in XX/XX/XXXX with a special " code ''. I do not remember doing this. 

I need my credit score corrected.
Product: Debt collection

I have 13 collection debts due to Identity theft. I've never open any of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my updates, I discovered that inaccurate information was being reported to my personal credit file. Credit reporting agencies have failed to comply with the Fair Credit Reporting Act, 15 USC Section 1681i, and have continued to disclose unverified information without giving the necessary documentation. The three credit bureaus failed to properly identify and produce verifiable proof within the time frame required by law. The following information is incorrect, and I never gave permission for my credit to be accessed. They have not provided me with formal consent or removed these things from my credit report. The following elements must be removed : EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Mortgage

On XXXX XXXX, XXXX I was notified by my county that our county tax bill was many months past due and a lien was about to be place on our property. I immediately paid the XXXX tax bill plus a late fee out of pocket even though our taxes are escrowed in our mortgage loan. I quickly called Guaranteed Rate and provided them with a receipt of my payment for a refund, but they have failed to provide a refund in the following 6 weeks. A case has been escalated multiple times to their Tax resolution department, but has been closed twice now with the company finding that they do not owe us a refund because the details are being improperly communicated internally. XXXX continues to " escalate '' the case and promise to call back with a resolution, but we have never heard from them and have spent countless hours on the phone trying to resolve the issue. I am unable to speak directly with anyone the case is being escalated to.
Product: Credit card

I signed up for the XXXX Synchrony home credit card in XX/XX/XXXX. I spoke with a representative via phone to finalize my application and make sure we were approved for the total cost of the XXXX  couch. 

I went into the synchrony system today to payoff the credit card and noticed my statement had fees for " PYMT CARD SECURITY '' ranging from XXXX XXXXXXXX each month. I distinctly recall telling the representative that I did NOT want to sign up for the debt cancellation program. I just requested a refund for the amount today along with interest charged. They said it was selected electronically, but I spoke with a rep via phone to verify my information. 

The credit security rep also is showing an amount to refund on the XX/XX/XXXX statement for {$89.00}, however, my statement shows {$92.00}.
Product: Credit card or prepaid card

I just checked my credit score with transunion and they start deducting monthly fee XXXX us dollar without any email or my approval
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act these accounts : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C SECTION 1681 SECTION 604 A SECTION 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions ( consent ).
Product: Credit card or prepaid card

On XX/XX//17, I applied online and was approved for a XXXX XXXX XXXX XXXX XXXX. This card comes with a 20,000 point promotional offer after spending {$1000.00} in 3 months. 

The card received was a Wells Fargo Platinum Rewards which is a different card that I applied for,
Product: Checking or savings account

This complaint is for checking account ending in XXXX. I disputed a transaction with TCF Bank a few weeks ago. The transaction was from XX/XX/XXXX XX/XX/XXXX for {$29.00} on XX/XX/2020. I canceled my card and everything. My bank TCF declined my dispute and allowed another transaction to go thru on XX/XX/2020 from the same merchant for XXXX. This is after I canceled my card and told them I didnt authorize the first XXXX transaction. These transactions are not authorized by me. I used to have an account with the merchant, but that account has already been canceled. I really cant believe TCF will go against their customers and continue to allow unauthorized transactions after a dispute and after a canceled debit card. Its like they forced the transaction to go thru my new debit card. If this is not resolved I will take further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the company several times they replay by stating that they are following the credit laws which they clearly are not I recently received a copy of my consumer report, and I noticed some late payments posted on my consumer report : XXXX XXXX XXXX XXXX account # XXXX This company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the XXXX XXXX XXXX and the person Nissan Motor Acceptance Making the report is not INCLUDED on my Consumer report! 
A XXXX payment is a transactional history, My HISTORY with your company. XXXX clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA XXXX XXXX XXXX by reporting this transaction or experience on my consumer which XXXX clearly states IS NOT included on my CONSUMER REPORTS.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items. 
2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXXXXXX
Product: Checking or savings account

BANK OF AMERICA SENT ME AN EMAIL ON FRIDAY, XX/XX/2022. STATING THAT MY APPLICATION WAS BEING PROCESS. THIS APPLICATION WAS SUMITTED ON XX/XX/2022 FOR A SAVINGS ACCOUNT. I CONTACT BANK OF AMERICA, BECAUSE I DID NOT APPLY FOR A NEW SAVINGS ACCOUNT WITH THEM. THE REPRESENTATIVE THAT I SPOKE WITH " STATED, THIS PERSON HAD MY ENTIRE SOCIAL SECURITY NUMBER. '' THIS PERSON CELL ENDED WITH XXXX.
Product: Consumer Loan

I financed a car through Wells Fargo Dealer Services XX/XX/XXXX. The car that I purchased was wrecked and totaled XX/XX/XXXX. I informed Wells Fargo of this and was advised that would freeze my account and all I had to do was wait for insurance company and Gap to pay off car. XX/XX/XXXX after Wells Fargo sent false information to the credit bureaus stating that I had not made a car payment since XX/XX/XXXX. I called Wells Fargo and they denied this in the beginning. Then they stated that since Gap insurance ( a subsidy ) which is affiliated with their company covered all except {$800.00} that put me in default on the loan and showed where I have not paid. I advised Wells Fargo this is not what I was told, I was told that I would be okay and my credit would not be affected. I sent information into Wells Fargo and was told that it was my fault and problem and there 's was nothing they could do to correct it because I did n't pay. I have sent several email as well as reported this institution to XXXX. Wells Fargo has reported to every bureau stating that I defaulted on the loan since XX/XX/XXXX and this has been reported every month up until XX/XX/XXXX. Wells Fargo stated they called me on XX/XX/XXXX and advised me of the default and I told them that is not true and I do n't like being lied on. I also said since you 're stating you called me pull the call because calls are recorded so pull the call. Wells Fargo have lied and destroyed my credit as well as my credit score. They try to attach a document showing where my insurance had lapsed in XX/XX/XXXX with XXXX but failed to mention that I was paying insurance through them which paid the car off. The car has been paid off yet they are still reporting that they have n't received payment. I advised them that I wanted this corrected on my credit report because this is not true, I never missed a payment. I also shared with XXXX that i was unable to get into my account after I reported that the car was wrecked and Wells Fargo said it was because I was in default and therefore I could not see any information regarding my account. This institution is very corrupt and I told them I will fight this because they lied to the credit bureaus and they are lying stating I was informed and advised that I would default on a totaled car while waiting for insurance pay off if I did not make payments. This is unacceptable and this is a practice that they are accustomed to doing. They provide false information and then blame the consumer. I would advise everyone to steer clear of this banking institution because they have no morals. They are very devious and deceptive with customers and they report false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a student loan account with DEPT of ED/XXXX account # XXXX. The account on my credit file incorrectly shows XXXX, XXXX and XXXX days late from XX/XX/XXXX to XXXX and XX/XX/XXXX. Under 15 USC 1666B this is a billing error. I have never been late with any payment.

What is the USC code 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, XXXX. ) ( to equal customer service and unfair practices, which violate 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 XXXX XXXX XXXX XXXX XXXX as they XXXX  '' comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

Opened a GM Rewards Credit Card issued by Marcus by Goldman Sachs in XX/XX/XXXX, in connection with a promotional offer on a new car lease. 
Put {$3300.00} on card as part of new lease. 
In verbal discussions with the dealership and marketing materials for the card, it was represented to me that under the promotional offer, nothing would be due for one year as I was on a 0 % interest promotional offer. I confirmed with the dealership that I can pay off the entire balance in one year and not owe any more than the initial charge. 
On XX/XX/XXXX, I was charged a late fee of {$29.00} on the minimum payment of {$32.00} not made. 
On XX/XX/XXXX, I called and spoke with a representative at Marcus, who explained that those were not the terms of the card and that monthly payments were still due. 
I have not used the card for anything other than the initial payment to the GM dealership. 
I asked for a waiver of the late fee and report of late payment on my account to credit agencies to account for the confusion. 
First agent was unable to grant waiver, escalated to supervisor. 
I will maintain my monthly payments from now on.
Product: Credit reporting or other personal consumer reports

I am writing Experian to do a reinvestigation on accounts listed below in attachments. 

When I call XXXX Experian and XXXX they tell me that they don't have to do an investigation they just simply report whatever the creditor sends them without verifying the information is accurate I know the fcra doesn't allow the credit reporting agencies to just make up their own rules please reinvestigate each account that I have placed within my letter and please send me a updated credit report stating how you conducted the reinvestigation who you spoke to verify the accuracy of each account, phone numbers and business addresses. 

If you can not do so delete each account that is not properly verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since I filled a Identity Theft report with the FTC and my local police department, all three credit bureaus have reported my credit history as inaccurate. On XX/XX/2019, I went online and requested my credit report from XXXX because my request to obtain my credit report through XXXX XXXX XXXX XXXX was denied. I was successful in obtaining my credit report online. Credit report # is XXXX. I saw several discrepancies and decided to go online to dispute the information. I was unsuccessful in disputing the information online. I was directing by XXXX website to call XXXX to dispute information. On XX/XX/2019, I call the number that was listed and a female agent took my information and started asking questions regarding my dispute. I disputed information that was listed on the report that was printed. The agent stated more than once she didn't see certain information I was disputing. She didn't seem as if she wanted to correct anything I was disputing. After we went over everything, she gave me a new credit report # XXXX. I received the report in the mail on XX/XX/2019 and as of XX/XX/2019, everything we have went over still remains on my credit history. No investigation was ever made. The agent never corrected anything. There are many unknown inquiries on my report. There is information that has not been disputed or corrected. There is information that is not listed and should be. I have had many issues with the credit bureaus regarding my credit history since I filled an Identity Theft affidavit with the FTC. I have contacted the credit bureaus many times in making attempts to correct my information. It is possible that there is fraud involved. XXXX has more than thirty inquiries posted to my credit history within the last two months. Major Credit Bureaus need to be monitored because they are also posing a risk for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX I called XXXX XXXX XXXX about an inquiry on my credit report. I did not authorized them to do. Upon speaking with XXXX, the XXXX I learned that they pulled for XXXX XXXX XXXX. I asked for a copy of My signed authorization. Oh course, XXXX refused to provide me with a copy of My consent. She instructed me to contact XXXX XXXX XXXX. I called them and they indicated they have no record of me on file in none of the XXXX offices and they also informed me they do n't use XXXX XXXX XXXX used XXXX. I asked them to provide me a letter stating that fact and to notify XXXX XXXX XXXX to have inquiry removed. Both companies refused to do so and this has been on my credit report since XXXX/XXXX/XXXX is doing great damage to my credit worthiness.
Product: Debt collection

My bill is only 5 days late, and in those 5 days XXXX has been calling me non stop. I received at least XXXX calls a day in the last 3 days alone. 

I spoke with a representative XXXX on XXXX/XXXX/XXXX at XXXX and advised her to stop calling me and to notate my account that I do not want anymore calls. 

Since that time I received another call at XXXX. The next day, XXXX/XXXX/XXXX I received a call at XXXX.
Product: Mortgage

I've made a payment every month except for XXXX of 2024. But then I made double payments to catch up. So my most recent payment I missed is technically XXXX indo believe. But they say I'm 80 days late which isn't true according to my transactions and I shouldn't owe over XXXX $ when my payments counting escrow and taxes is only XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpo
se by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Tit
le 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Credit card

I contacted USAA Bank to discuss the interest rate on my Master Card. My hope was that they would consider lowering the rate to help a customer pay down their balance. First, I understand this is their choice and had they said no because it was company regulations I would have been unhappy but accepted it. What they claim is that government regulations do not allow them to lower the rate. They said specifically that XXXX XXXX in the credit card act of 2009 does not allow. I read through that and it never mentioned lowering rates, only increasing them. 

In summary, my complaint is that they are misusing government regulations.
Product: Bank account or service

TD Bank has been charging me illegitimate maintenance fees on my account ( the _sum_ of balances on my accounts must be & gt ; $ XXXX to avoid a charge ; they fail to consider the sum of my accounts, and charge me a fee because one of my accounts has a balance & lt ; $ XXXX ). Each time I complain, they agree that the fee should have not been charged. Then they reverse the charge and file paperwork to correctly pair the accounts when assessing fees, and assure me that the fee wo n't be charged on the next billing cycle. But it does appear on the next cycle. For more than a year now I have had to go to my local branch, complain on the phone, or complain via email to get the problem solved. It is becoming tedious. Clearly the CSRs I am dealing with are unable to resolve the issue, so I am appealing to the CFPB for assistance reaching a more appropriate contact.
Product: Credit card

I booked a 1 day rental with Chase XXXX using my credit cards to pay for the equivalent of {$310.00} to cover the charge. The rental clearly included all fees, including the different location return fee. When I returned the car, the rental place mistakely charged me for the different city retrun fee again, in the amount of {$170.00}. I contacted the bank electronicly 3x and 1 time by phone. They decliend my claim every time, and they even told me over the phone that even though I booked the service with Chase XXXX, which belongs to Chase, and that the charge was on the same credit card which I used the points to rent the car, there was nothing they could do. You can clearly do a simulation on the Chase XXXX site, and see that one day rental at the same location, returning the same car at the same location costs USD XXXX, while doing the same returning the car on the same location that I returned the car, it costs USD XXXX, the amount that they deducted the equivalent points.