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

Case Number : XXXX In summary, I did a large balance transfer of {$15000.00} in XXXX because of the 0 % APR promotion. In XXXX I signed up for paperless statements and autopay. Each month for four years I paid the minimum amount due ( approximately {$230.00} - 250 ). 

On XX/XX/XXXX I got my FIRST email informing me my statement was ready. For four years I received no email on my desktop, laptop or XXXX notifying me my statement was ready. This email revealed my statement balance was over {$10000.00}. This seemed wrong. 48 payments X {$200.00} is almost {$10000.00}. The balance should have been around {$5000.00}. 

All of my bills are paperless statements. I receive at least a dozen " statement ready emails ''. Because I get so many I simply was unaware I was NOT getting one from Chase, ESPECIALLY since I stopped using the credit card in XXXX. Therefore I was completely unaware the 0 % APR had expired in XXXX / XX/XX/XXXX. Furthermore, I was told that I never would have received a letter from Chase informing me when the 0 % APR promotion ended because I enrolled in paperless statements. 

After explaining my situation to a manager he immediately gave me a 6 month interest charge reversal of {$810.00}. Anything more than this must be approved by the corporate office ( Chase Executive Office, XXXX XXXX XXXX, XXXX, OH XXXX ). There policy is the onus is on me to prove it was there fault. 

In this situation I disagree with that policy because this is an IT issue. It's much harder to prove IT glitches. The first corporate mediator said a Alert History proved that a " Paper Statement Notification Created '' email was created each month successfully. That is the only evidence he needed to reject my complaint. He was not open minded to consider my reasoning that this matter was due to an IT glitch. 

I asked for an appeal and got it. A second mediator researched the matter. By now I had collected more information from Chase Customer Service. My hunch was the IT glitch was corrected during a system update in XX/XX/XXXX. This explains why I got an email alert dated XX/XX/XXXX. He did not contact IT to confirm this. 

He said contact my internet provider. I did. They said check my Spam Folder. If it wasn't a IT glitch I should have had approximately 50 emails ( 4 years X 12 months ) in my Spam Folder ( because I have the auto delete feature turned off ). Nothing from Chase was present. 

In XXXX when enrolling in Paperless Statements I also selected " All documents '' and " Notices and letters ''. For 4 years I never got ANY documents, notices or letters emailed. Assuming no IT glitch doesn't that seem very unusual? 

The second mediator denied my complaint for the exact same reason as the first mediator. He said all he could do was reverse 1 month of interest ( {$100.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

ITS BEEN 30 DAYS SINCE IVE SENT OFF MY DISPUTE LETTER POINTING OUT THE OBVIOUS VIOLATIONS/INACCURACIES REPORTING ON MY CONSUMER REPORT
Product: Debt collection

On XX/XX/XXXX of 2020, I looked at my XXXX  credit report, and noticed a collection account from Bonneville Collections in Utah. I wrote them a letter requesting validation of this debt on the same day, requesting information that would prove that I owed this debt. I sent the letter by certified mail, and received a delivery receipt showing that it was signed for on XX/XX/2020. 

Under the terms of the Fair Debt Collection Practices Act, 1 USC 1692g Section 809 ( b ), I have the right to receive proof that I owe this debt, or, upon failing to receive such proof, to have it removed from my consumer credit reports. 

What happened, however, is that Bonneville responded by indicating on my XXXX  credit report that I was disputing the collection. I clearly stated in my request for validation that I was not disputing this account, but rather requesting validation under the above mentioned section of the FDCPA. 

The entry is still being reported, even though 30 days passed without response from Bonneville.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an after I'm writing a complaint to ask you once more to look into the false accounts you've been reporting on my credit file. I'm writing to challenge the veracity of some data on my credit report that I obtained from your bureau. I just looked over my credit report from other credit agencies and discovered that several accounts were being reported incorrectly. Particularly, the following accounts display inconsistencies : XXXX XXXXXXXX Balance : {$2500.00} US DEPT OF EDXXXX XXXX XXXX : {$85000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}. According to the Fair Credit Reporting Act, account information must be reported accurately or updated. I request that you review the information on my account and make the relevant modifications as soon as possible.
Product: Credit reporting or other personal consumer reports

Company in question is Transunion. For the last few months, it appears my credit report is in " transition '' and for what reason I am not sure. I did place a freeze on my credit report about a year ago and now want it lifted so that I can apply for a new loan. The company I applied with requires reports from all three bureaus, not just one. 

On XXXX XXXX, I contacted Transunion seven times by phone and spoke with various people to access my report and lift the freeze. I was transferred from one department to another and told to call different numbers but to no avail. I have attached a communication from them regarding my file, but it is the same letter I received months ago and still no action. 

Transunion uses a somewhat complicated phone system to access their site and, at best, is repetitvie with no clear instructions as how to solve problems one may have with them.

I can't believe Transunion can not locate my file and respectfully request your intervention in the matter. Thank you for your valued assistance.
Product: Debt collection

Calling repeatedly during the day. Advised i was working and unable to talk, they repeatedly called back. Upon attempting to return the phone call they immediately hung up on me and then started calling me again. Rep was XXXX @ Elite Financial. Today alone i have calls @ XXXX ; XXXX ( told unable to talk and hung up ) ; XXXX called back and immediately hung up on me ; XXXX attempted to call back to advise a better time to call, was hung up on again. XXXX was hung up on ; XXXX ignored call
Product: Credit reporting, credit repair services, or other personal consumer reports

1. In a letter dated XX/XX/2018, I requested XXXX XXXX XXXX XXXX ( " XXXX '' ), my mortgage servicer, to remove unfair reportings to my credit reports of : 180 days late to XXXX and Experian ; and 120 days late to XXXX. I have a certified mail proof of delivery receipt dated XX/XX/2018. Thus, XXXX 's 30 day deadline was XX/XX/2018. 

2. I obtained a copy of my XXXX, Experian, and XXXX credit reports on XX/XX/2018, well after XXXX 's deadline of XX/XX/2018. XXXX, XXXX was required by federal law to place a " notice of dispute '' on my accounts no later than XX/XX/2018. 

3. In a letter dated XX/XX/2018, I notified XXXX that it had not placed a notice of dispute on my XXXX, Experian, and XXXX credit reports within 30 days. Thus, federal laws requires XXXX to completely remove the items reported late from each of my credit reports. 

4. XXXX still has not complied with federal law. The late reportings are still on each one of my credit reports and I want them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking them, I found that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require 3 credit reporting agencies to verify ( A ) these accounts. Failure to verify these reporting accounts as unverified without providing evidence within the legally mandated deadlines is unacceptable. My credit report contains the following incorrect information that needs to be investigated and corrected. 
XXXX XXXX XXXX  Balance Owed : {$15000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXXBalance Owed : {$13000.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXXBalance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX XXXX BalanceOwed : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a resolution from Wells Fargo stating that they have committed fraud on my credit report. To this day there is false information on my credit report for four accounts that were not authorized by me. Wells Fargo has recognized the errors after three years of having to dispute this issue. But my credit report is still showing the errors.
Product: Credit card

Capital one has this program called capital one offers- where they have advertised rewards in the form of percentage points of purchase at specific partner merchants. Even after going through these purchases ( XXXX separate ones ), Ive not gotten the reward miles in the times theyve stipulated. XXXX purchase did result in XXXX miles being credited, but it was taken back without any further explanation or action on my end. I was still eligible to get that reward miles. It required contacting their customer support and they promised to make me whole with {$210.00} credited back to my account, but I only got a fraction of it ( {$70.00} ). 

There is an entire forum in XXXX where multiple such cases are reported and no action is being taken.
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 : XXXX XXXX XXXX  : Account XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account Name XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 XXXXXX/XX/XXXX 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: Debt collection

I am a victim of identity theft. The tradeline, which appears on my credit report from Portfolio Recovery Associates/XXXX XXXX last reported on XX/XX/XXXX in the amount of {$1900.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with XXXX XXXX. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both Portfolio Recovery Associates/XXXX XXXX individually and have not received any reply back.
Product: Mortgage

I have never contacted New Day USA for any reason. I continue to receive their deceptive mortgage offers. I have asked them to stop sending me mail and they continue to send me mail.
Product: Credit reporting or other personal consumer reports

These items was supposed to been deleted before the 30 days and before investigation was COMPLETED and the three credit bureaus XXXX, Equifax and XXXX didnt do so this is a VIOLATION OF FCRA LAW 15 U.S. Code 1681i - Procedure in case of disputed accuracy were it state a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general 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 is 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit companies are reporting the same debt from 2 different companies
Product: Credit reporting, credit repair services, or other personal consumer reports

Im still getting repeated harassing phone calls from XXXX XXXX XXXX XXXX XXXX Extension XXXX. Despite her being told countless times that XXXX XXXX does not reside at this address or has this telephone number in his name. This XXXX continues to call and harass me anyway despite me filling out and sending these individuals back the Legal Form
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience. where Experian has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

After receiving a, " DARK WEB ALERT, '' Concerning my XXXX Credit Report I do not have/nor have had any contracts or attempts therein for contracts/Leases with any of the, " Ascertained Named Companies/Financial Institutes . '' BELOW The information obtained was, FRADULENT therefore, I REQUEST IT BE IMMEDIATELY REMOVED FROM MY CREDIT AS FRADULENT. 

FRADULENT INQUIRIES AS SEEN ON CREDIT REPORT : XXXX. ) XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. ) XXXX XXXX : XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX. ) ONEMAIN XXXX : XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX
Product: Checking or savings account

I have gone to the Citibank in XXXX California and was told verbally my master card checking account was closed completely, online and all of the account, have not hot anything in writing to assure me. I need to know all is closed. Thank you. 
Citibank headquarters XXXX XXXX XXXX. XXXX XXXX, NY XXXX Website : XXXX XXXX XXXX Citibank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX
Product: Credit card or prepaid card

I made a purchase of {$48.00} on XX/XX/XXXX using my XXXX XXXX card. On XX/XX/XXXX It acquired a finance and late free charge of {$28.00}, this was due in part to the fact that I had been issued a new debit card by my bank and could no longer make payments using my existing account. On XX/XX/XXXX After calling, XXXX was able to credit me {$15.00}, which brought my balance to {$61.00}. 

On XX/XX/XXXX I made a payment of {$48.00}, brining my overall balance to {$13.00} plus a minimum charge of {$1.00} which was assessed on the account on XX/XX/XXXX. This brought my total outstanding balance to {$14.00} with a due date of XX/XX/XXXX. 

On XX/XX/XXXX I paid the total outstanding balance of {$14.00}. However, on XX/XX/XXXX I was charged another minimum charge of {$1.00} ( which I was never notified about ), followed by another charge of {$15.00} on XX/XX/XXXX, {$1.00} on XX/XX/XXXX, {$20.00} on XX/XX/XXXX, {$1.00} on XX/XX/XXXX. All these charges bring to me to a current overdue balance of {$52.00}. 

I do not feel like it is my responsibility to pay the remaining balance, when my total balance was paid off on XX/XX/XXXX. They are alleging that the addition of the {$1.00} minimum charge on XX/XX/XXXX is what rendered my account overdue and triggered the subsequent charges to be assessed to my account. When I called and spoke to a representative I was told that " minimum charges '' are assessed on accounts on the fifth of each month. That charge was not on my account on XX/XX/XXXX and account activity shows it was applied on XX/XX/XXXX. In the past the " minimum charge '' had been added to my statement on XX/XX/XXXX and XX/XX/XXXX but in XX/XX/XXXX, conveniently, it was added on XX/XX/XXXX. 

I tried my hardest to satisfy my account with XXXX XXXX all while coping with a mother who was XXXX of XXXX. When the average consumer looks at the account activity page which is supposed to help cardholders it is very confusing to understanding how charges are being applied to the account and what the true outstanding balance is. XXXX XXXX is penalizing cardholders by assessing late fees on XXXX balances. XXXX XXXX assesses charges without showing the true outstanding balance which misleads consumers who are trying to pay off their cards. I am not responsible for the total outstanding balance as it is made up of charges by XXXX XXXX and not reflective of any purchases made using the card.
Product: Credit card or prepaid card

Costco ended its relationship with  XXXX   XXXX  last year and offered Costco members the chance to have a  XXXX  card through Citibank. I have no interest in having an account with Citibank so did not pursue that option. I tossed all of their mailings in the trash with the other junk mail. Yesterday I received a call from Citibank about my account. I called them back and told them I do n't have an account, they told me I do and that it has a charge on it ( Costco membership fee ) and late charges. If  Citibank mailed me a card I tossed it and never activated it.  Citibank  should not have an account under my name and should not have allowed a charge to be made on an inactivated account.  Citibank  told me I need to get Costco to reverse the charges, but they never should have accepted the charges in the first place.
Product: Credit reporting or other personal consumer reports

According to Law FRCA section 605B it is illegal to report information on my credit report without my knowledge/permission. I never opened an account with this lender. All info is fraudulent. 
Please remove this from my credit report now. Thank you.
Product: Bank account or service

I applied for a chase credit card. I was declined and the letter gave reasons for denial. XXXX of the items cited was my Experian credit score which the letter cited as XXXX. My score is not XXXX, Experian cites it as XXXX. I worried that my score had dropped. I called Chase lending and spoke to XXXX different reps in lending who did not know why the score was cited as XXXX. They assured me that the score was not used as a determining factor, even though the decline letter stated that it was part of the reason. I paid to have my Experian credit pulled because no one at Chase lending could tell me why my score was cited at XXXX and there system did not. Turns out Chase rescores an applicant. If I had been told that Chase rescores I would have saved XXXX hours of complaining time with Chase XXXX a fax letter and would not have incurred a fee to pull my Experian score. Who knows XXXX many people are have experienced the same and have also incurred an expense to validate wrong data.