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

Re : CareCredit On XX/XX/XXXX, I had dental work done, and my dentist suggested opening a CareCredit account, since there was " no interest, and I might as well pay off my dental work slowly, with no interest. '' So I opened a CareCredit account at my dentist 's office at that time. My original debt was {$2500.00}. 

I set up my CareCredit account for automatic payments from my checking account, and didn't think about it, because I knew there was no interest. 

Approximately a month ago, I looked at the balance remaining to be paid on my CareCredit, and was surprised how high my balance was ( {$1500.00} ), considering how long I'd been paying this loan. 

I emailed CareCredit asking for detailed information on my loan. A few weeks later, I received statements in the mail for the past year ( 2017 ). This is when I realized I had been paying 26.99 % interest on this loan, for the past four and a half years! ( I learned later I actually paid interest for three and a half years. ) I called CareCredit today and spoke with Customer Service agent, XXXX. I explained the situation to him. He was " sorry for the inconvenience. '' I asked specifics of my loan. The original balance on CareCredit was initiated XX/XX/XXXX for {$2500.00}. Apparently, on XX/XX/XXXX, the promotional period ended and I began paying 26.99 % interest! The interest I've paid since XX/XX/XXXX ( {$2500.00} ) is more than the amount of my original loan! 

I paid the balance off today, and closed my CareCredit account. 

In XX/XX/XXXX, CFPB ordered CareCredit to refund {$34.00} million for deceptive Health-Care Credit Card enrollment. The CFPB investigation discovered 1 ) Deceptive Enrollment processes ( " service provider misled consumer '' ), and, 2 ) Inadequate disclosures ( I did not " receive copies of the actual CareCredit agreement, and instead had to rely on the office staff 's oral explanation. '' ) I was a victim of both of the above, however, wasn't notified of a settlement, and wasn't reimbursed. 

There was an enforcement action that was ordered to CareCredit. That enforcement action included : " New disclosers to consumers will include improved descriptions of the deferred-interest product, and CONSUMERS WILL BE WARNED IN ADVANCE WHEN THE PROMOTIONAL PERIOD IS ENDING. '' I was not warned or notified! Therefore I unknowingly and deceptively, began to pay 26.99 % interest for three and a half years.

Total interest I've unknowingly paid ( until now ) is {$2500.00}. CareCredit did not abide by CFPB enforcement orders for full discloser given to them on XX/XX/XXXX. Therefore, I want to file a claim to CareCredit, through CFPB, to be reimbursed the full amount of interest I've paid to CareCredit, {$2500.00}.
Product: Checking or savings account

Overdraft fees were garnished improperly or excessive during the duration of opening my account in XXXX. Please do a full review! I use to get payday loans years back before it was removed I paid excessive fees on the loans. I was denied business accounts without reason and or notification as to why! As a XXXX American Discrimination had a huge impact. Although being with the bank since 2012 with a fairly decent record. Yet, still denied although other criteria may have been accounted for. Yet, no explanation just a frustrated loan officer in XXXX, Tx. That loudly stated denied! 
Please do a full review on both my original account and my teen account which was closed for insufficient funds!
Product: Credit reporting or other personal consumer reports

How's it possible that you've reported me 90 days on account XXXX late with no late payments prior to that? You are reporting 90 days late in XXXX XXXX with no prior late payments. This is obviously an error and has to be removed from my credit report. XXXX was sued for not applying payments to consumers accounts correctly. I was never late, and this account needs to be removed. I have attached my credit report showing the incorrect accounts and information. There is no way you can report this account 90 days late without any late payments recorded before then. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. Furthermore, under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.
Product: Credit reporting or other personal consumer reports

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

The account below have violated my rights : 15 USC 1681 section 602A. States I have the right to privacy.

15 USC 1681 section 604A seccin 2 : it also states a consumer reporting agency can not furnish a account without my written instrucciones.

15 USC 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following tem of information, other than records of convictions of crimes which ante dates the report by more than seven years.

15 USC 1681 s-2 ( A ) ( a ) : a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasononable cause to believe that the information is in account. 
Delete the account below : 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: Mortgage

I have been trying for weeks to lower the credit limit on my HELOC. I want to lower it to {$42000.00}, as I have been trying to refinance my first loan, and lowering my credit limit is a requirement for a subordination agreement by my HELOC lender US Bank. 

Weeks ago I called and was told a form would be emailed to me in a few days. Nothing ever arrived. 

The next time I called I was told it would be lowered internally in 3 days. I waited weeks, but nothing ever happened. 

I then went to my branch and was told I had to call US Bank to get help lowering my credit limit, they could not help me at the branch. 

Recently, I was told again that it would be lowered internally if I waited a week. I waited more than a week, nothing has happened. 

I have been trying for over a month to get my credit limit lowered. It should not take weeks and weeks to lower a credit limit on this credit line.
Product: Bank account or service

I opened a Bank of America checking account based on a deal for {$300.00} if I made {$4000.00} in direct deposits within 90 days of opening the account. I fulfilled this condition and was not given the bonus. I reported this to the bank several times, including by phone, chat, and fax, and never received a response.
Product: Vehicle loan or lease

I had a lease with Ally for my XXXX XXXX XXXX, XXXX XXXX, Account Number : XXXX, Contract Date : XX/XX/XXXX. The lease and car was paid off by my credit Union, XXXX XXXX XXXX, but I never did receive the title for my vehicle from Ally in the mail because I relocated from my previous address which was : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, to my current address. I moved from XXXX in XX/XX/XXXX to XXXX So thats why I didnt receive my car title for my vehicle. I need my title to get a car title from the state of XXXX Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I noticed that there was information that was erroneous on my Transunion report so I reached out to them about this issue. They claim to have updated some of the information, which they did not and they never investigated the information that I actually disputed. They never validated the information and they failed to remove the items. They are violating my rights to an investigation and my right to have the erroneous information removed from my credit report. The FCRA says that I have the right to dispute it and they must remove anything that is inaccurate.
Product: Debt collection

Repeated phone call in the span  of 3 wee ks. First call was made on  XXXX   XXXX  followed by the days of  XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX  and  XXXX . I explained the situation and mention that I would call when I 'm financially ready to make payments. But the representative was very rude and stated that they will call me every 3 days. I told him I do not need to be called every 3 days. I am aware of the bill. They constantly call me and are very rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

4 years now I've been dealing with the three credit companies back and forth repetitively since the data breach of XXXX in 2017. Today I am riddled with fols inquiries unauthorized inquiries accounts that were not in mind and went to collections and I'm still being charged for even though I've submitted several FTC reports and police reports XXXX car based inquiries are ridiculous and keep me and my family since I'm a single dad with XXXX little girls from ever having a decent life XXXX XXXX XXXX anyway XXXX XXXX XXXX XXXX all false and submitted in an FTC report several times and a report from the commission overseeing the XXXX breach
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : 1. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of reinv XXXX Account XXXX : XXXX this is violation of my rights. please delete from my credit report 2. 15 U.S. code 1681e ( b ) compliance procedures Accuracy of report date opened is not accurate high credit and credit limit is not accurate across all credit bureau date last reported is inconsistent XXXX XXXX Account Number : XXXX this Is violation of my rights. please delete from my credit report 3. 15 U.S. code 1681e ( b ) compliance procedures Accuracy of report date opened is not accurate high credit and credit limit is not matching across all credit bureau XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

4. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of reinv 06 XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of reinv XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of reinv XXXX Account XXXX : XXXX Please remove it from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that the credit bureau will recheck these items with the creditor who has posted them.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is credit reporting agencies duty and responsibility to report and furnish accurate information to a consumer file in pursuant 15 usc 1681s-2 ( b ) ( 1 ) ( D ) and make sure all items are reported accurately.. They have failed to comply with the requirements and didn't report fair, equitable and accurate data.
Product: Student loan

Fed Loan com plain with consumer finance.gov aka CFPB I was given inaccurate information regardin g Income Based Repa yment options.   I had previously been informed thro ugh FedLoans webs ite that tax return information was needed to re-certify my repayment plan.     A representative later told me, that was n't true. I could have provided income stubs at the end of  XXXX , months ago, in order to have my issue resolved by now.     Now my affordable, income-based re-payment plan has expired. It will take months for the plan to be re-instated and interest due will be capitalized as a result.     I could have avoided this situation had I been given the proper information at the end of the year. The information could have been included with a mont  hly FedLoan billing statement.
The misinformation will cost me money. In the Information Age, I   do n't understand why it takes months to verify my adjusted taxable income. There has been no meaningful change compared to the  XXXX  Tax Year.
Product: Mortgage

Afternoon I want to see if I have a case against Wells Fargo pertaining to my mortgage. I have paid an escrow shortage for the past 3 years and they have still went up on my mortgage I recently just paid {$710.00} on top of my new mortgage {$3400.00} new rate. Im on a Fix rate at 3.5 %, I completly understand living in XXXX. County and taxes are the terrible but I have always been upfront with Wells Fargo and asked for them to provide the shortage amount due to the increase of the taxes so i can pay and maintain the same dollar amount of my mortgage. Each time I have written a check they have went up on my mortgage after thier analysis. 

My mortgage went from {$3300.00} to {$3300.00} to {$3400.00}. All 3 years I have paid the shortage also this year I paid {$710.00} for the shortage and they still went up. 

At this rate Im scared to lose my house because they keep lying to me stating pay the shortage and your mortgage will stay the same. 

Thank you
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/2024 Amount : {$9500.00} I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, I notice an account from XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( See Attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the XXXX credit bureaus ( See Attached ), along with my incident report ( See Attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX were reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you for help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Product: Credit card or prepaid card

Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Wells Fargo Bank XXXX XXXX. take actions which violated consumer financial laws, including engaging in deceptive acts or practices. see link : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-sues-united-holding-group-affiliates-owners-for-illegal-debt-collection-practices/
Product: Credit card

As an American Express card holder in good standing for over 25 years, I am highly disapointed in thier lack of action, follow through and resolution to a extreemely minor issue which has now evolved into a situation of significance. 

The significance now is that due to AMEX not removing a {$29.00} late fee as agreed and promissed in XXXX, has now compounded to {$140.00} as of this date. 

Due to AMEX not resolving this minior issue as agreed, my credit score has droped from XXXX +/- to around XXXX. 

I HAD XXXX accounts with Credit limits of {$31000.00} and {$250000.00} respectivly. I have closed BOTH accounts as a result of a " {$29.00} ( XXXX ) Late Fee '' which was promissed to be waived when I first contacted AMEX. 


ONLY XXXX charges had been made on the account in 2023 ( {$63.00} US Postal Service & XXXX XXXX XXXX XXXX XXXX. AMEX Account representitive on XXXX different resolution calls that I placed told me to make payments of {$63.00} and {$59.00} which I made promptly on XX/XX/2023 and XX/XX/2023. WHY would I have made these payment of these specfic amounts if i WASNT instructed to due so by the AMEX representitives on XXXX differnt occassions to XXXX out and close the account? 

I have made 6 or 7 calls to AMEX, wasted hours of my time and spoken to different representitives each time only to get passed off to another without resolution. These representitives promiss follow up calls, wont provide call back numbers or case numbers and then just hope that you go away. 

I have been more than polite and tolerant. My last communcation on XX/XX/XXXX was promissed to be resolved by XX/XX/XXXX has prompted this request of the CFPB to become involved. I did indicate to the AMEX representitive that this would be my next step on that call. I have provided several ways for AMEX to reach out to me via my office and cell phone numbers with no promissed resolution from AMEX. 

Thanks in advance for your assistence. This is a matter of principle to me to have this resolved by AMEX as they have previously agreeed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm unable to receive my credit report online
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES TRANSUNION, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit card

In XXXX I deposited {$500.00} dollars directly from my bank account into Amazons Secured Prime Store Card. After thought I no longer wanted to have a credit card and wanted to close my account the beginning of XXXX. I spent no money on it so the XXXX $ refund was in whole. Amazon synchrony bank said it would issue a check and i should receive to my address in XXXX business days. I was hoping it would be sooner but it has now been longer then a month and it is XX/XX/XXXX at the the time of this. Every time I called synchrony bank they gave me no answer and said there would be an investigation into why I have not received my check and that it would be reissued XX/XX/XXXX and i should receive it by XX/XX/XXXX, I also asked to speak to a manager and this is what the manager told me. All communication is on record and will show that Amazon employees provided no helpful information and only gave me a date and kept pushing the date back after said date came and still no check. After weeks of waiting I called today XX/XX/XXXX for the employee to tell me the investigation was in my favor and the check was reissued on XX/XX/XXXX and I should receive it in yet another XX/XX/XXXX business days. I am doubting Synchrony Amazon Bank at this point and am just asking for help. This may be only XXXX $ to amazon synchrony bank but it is way more to me or else I wouldve been able to wait but it is different when it is a necessity and a bank is just able to do this with your funds. I hope no one has to go through this.
Product: Credit reporting or other personal consumer reports

I am demanding a deletion of the following account name XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I paid off my mortgage onXX/XX/XXXX by wire transfer- - today isXX/XX/XXXX - - 76 days later they still have not sent the escrow refund for over {$2100.00}. I have called every few weeks to no avail. They have not given me a reason. Just keep telling me they will send an email to their manager. Please assist getting my the refund due to me. I paid them on time for years, send them roughly {$200000.00} in payments and I can't even get a timeline from them on my refund for the amount that was over collected by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I notified Experian that my personal information was inaccurate, and I posted a copy here. While I appreciate the quick response, I wish they'd done as thorough an investigation as XXXX and XXXX. My understanding of this process is I notify the bureau if something doesn't look right, and they contact the company reporting it. IF they can not verify the information I've disputed, then it is to be REMOVED from my report. So why am I getting a response that I should take additional steps to call the bureau so they can tell me how to contact the company?
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX