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

Company/card : Chase XXXX XXXX credit card Description : This card was used for balance transfer at a 0 APR until XX/XX/XXXX. The card was charged XXXX dollars annual fee on XX/XX/XXXX. As of that date, I still have {$360.00} XXXX balance. I made {$95.00} payment on XX/XX/XXXX intending to cover the annual fee. On XXXX statement ( closing XX/XX/XXXX ), I was still charged an interest of {$1.00}. The balance subjected to its purchase APR ( 24.49 % ) category was {$73.00}. This portion the most confusing part to me. 

I contacted Chase on XX/XX/XXXX to inquiry what amount I should pay to avoid any future interest. Chase agent informed me I should pay {$50.00} and there will be no additional interest occurring. The agent refused to explain how the {$73.00} high APR balance was calculated, but only saying it was an automatic calculation. The agent refunded the {$1.00} interest. I made {$50.00} payment on XX/XX/XXXX. 

I leave the account for continuing auto-paying minimum amount thereby. 

On XX/XX/XXXX, the XXXX statement came out, I was charged {$1.00} interest. Balances subjected to 24.49 % was {$89.00}. On XX/XX/XXXX, a {$40.00} payment was made. On XX/XX/XXXX I was charged another {$1.00} interest. Balances subjected to 24.49 % was {$87.00}. I contacted Chase for another 30 minutes discussion regarding this issue. Chase refunded me the interests that were charged on XXXX and XXXX. The agent instructed me to pay off the full balance to avoid any interest. The agent said even if I paid off today, I should expect an interest coming on next statement and I can call again to get refund. 

These responses are inconsistent and unprofessional, as no one was dedicated to explain how the balances were calculated under different categories and why my initial payment of XXXX dollars did not go to balances of highest APR in my account. More importantly, no one resolved my issue at the first place as interests are occurring and being charged inevitably, making it like a trap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian committed fraud and damaged  my credit score. I comp lained to a Experian associate on  XXXX / XXXX / 2017  about  XXXX  collections on my report that were wrong and low and behold on  XXXX / XXXX / 2017  Experian made the criminal action of dropping my score  XXXX  points for no other reason than spite! There is not one single solitary change on my report that would cause my score to drop in 3 days! There needs to be a government agency to watchdog over these corrupt credit reporting agencies. On their website they offer no reason as to why they dropped my score  XXXX  points and I checked the other agencies my scores actually went up so I only can figure Experian has broken the law and damaged my credit for no legitimate reason. I 'm getting tired of having to complain all the time with the corruption that goes on with these agencies. I know this complaint will probably do nothing and I 'll probably have to contact my attorney but I 'm trying to find a solution before it has to get to that point.
Product: Credit reporting or other personal consumer reports

this credit inquiriy was unauthorized and fraudulent. Please remove from my credit report. XXXXXXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I applied with my credit union ( Navy Federal CU ) on a mortgage. They claim that if they can not match a rate that a competing lender is offering that they will pay you {$1000.00}. I ended up closing with the competing lender and NFCU will not honor their {$1000.00} rate match claim as it is described on their match form. Their rate match claim form reads " Upon receipt, Navy Federal will review the HUD-1 Settlement Statement/Closing Disclosure and the Mortgage Note to confirm that the loan closed on the same terms and conditions originally quoted by THE COMPETING LENDER. '' The form does not say that it has to close on the same terms and conditions that Navy Federal was offering. I feel as though I was deceived by this and NFCU does not want to honor their rate match claim as stated on the form. I have been in the mortgage industry for 22 years and this is a classic case of deception that we learn about every year during our continuing education classes.
Product: Debt collection

I sent a dispute letter to XXXX, XXXX, and XXXX. 

The company insist on a debt for a cable service and box and I have had 0 contact with XXXX  or XXXX  in almost a decade. 

Any items in question were delivered back to them and any payments due were made timely and XXXX out. 

Neither XXXX or XXXX  can validate a debt and neither has provided any payment history or debt activity since earlier this decade. 

The false reporting is harming my credit score and I have had no contct with anyone in more than 7 years. 

I have'nt lived at the address where I had XXXX  since 2008.
Product: Payday loan, title loan, or personal loan

I tried to apply online. I could not log into account. In XXXX I started the loan process but did not complete it. On XX/XX/XXXX, I called in about the issue. I was told they did a business review of my account and they would not do business with me. I requested a reason why and I was informed that they would not tell me why. I told XXXX that I had a right to know the reason. I offered to provide a updated address to send the reason to me via letter. She still refused to give a reason. I requested to speak to a supervisor and I was informed one was not available. I have the right to know the reason and to know if they are circulating this information.
Product: Student loan

I was awarded student loan repayment as part of the HRSA Nursing Loan Repayment Program. In XXXX, I made the regularly scheduled payment of XXXX online. I then sent a separate check in the amount of XXXX dollars and requested in my letter that the entire amount be applied to the principal balance of my student loan. The website is confusing and I inadvertently sent the payment to the wrong address. MOHELA ( my lender ) sent the payment to the correct address as a courtesy, but the entire amount was sent to the interest owed on the loan. I sent them a message and they assured me they would correct the oversight. Instead, they applied XXXX to the principal and XXXX to interest. This was done after TWO messages ( a letter and an online request ) to the contrary and even though the monthly payment ( for interest and principal ) was satisfied. The MOHELA online payment option does NOT allow for application of additional payment distribution and requires letters to be sent via mail -- an antiquated approach given this is 2018! I have paid thousands of dollars to my student loans and still owe more than I originally borrowed. To refuse to apply the funds a directed is consumer fraud and usury.
Product: Credit reporting or other personal consumer reports

I filed a complaint against Prince Parker and Associates because of an unknown account. They replied back on XX/XX/year> stating that all collection attempts h will be ceased and that they will remove this from my credit file. I have attached the Prince Parker 's response with authorization code.
Product: Credit reporting or other personal consumer reports

On XXXX and XX/XX/ I have reached out to all XXXX major credit bureaus demanding to send me proof of these certain account listed on the attachment that was uploaded. I have yet to hear back after numerous attempts. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( secton 6 0 4 in section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructons. Under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purposes.
Product: Credit reporting or other personal consumer reports

Per my last complaint that was submitted on XX/XX/24, ( complaint ID # : XXXX ) I advised you guys to please remove this account from my credit report. I am a victim of identity theft and this account reported to my credit file are fraudulent accounts. Please remove these accounts from my credit report as soon as possible. 

The complaint was closed out as you guys stated that you will have them removed from all XXXX credit reporting agencies within a few weeks. The account is still showing on my report and I would like this account removed.
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to amicably solve this issue with Transunion. They have failed to provide me with a proper reinvestigation per my rights under the FCRA. The following accounts need to be properly reinvestigated or they need to be permanently removed from my consumer report. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX  XXXX ), Consumer Social Security Numer : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

As a long-time customer of Chase bank, I have opened a 2 personal bank accounts and 2 credit cards with them. 

On XX/XX/year>, I opened a business checking account. For months now, my online portal has told me that I am " Already Approved '' for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Preferred. 

I understand a Pre-Approval is based on my soft credit score and would require a legitimate credit inquiry for further confirmation, but as this says I am ALREADY approved, I am guaranteed to get a credit card. 

I want to ensure my approval odds by having my new Chase banker submit the application, but it doesn't come back immediately. 

On XX/XX/year>, she tells me it was declined, but they can do a " reconsideration '' for a different card and we set the appointment for today ( XX/XX/year> ). I go back to the office and was declined for the reconsideration of lower tiered cards for the same reasons. 

Had I not constantly seen the DAILY message of YOU ARE ALREADY APPROVED for each of the XXXX credit cards ( which is still showing as valid as of XX/XX/year> ), I would not have given the application a serious thought. Now, I have an additional inquiry that has affected my credit score and a declined application on my credit profile that I otherwise would not have had.
Product: Credit card

I've consistently made timely payments on this account, never allowing them to become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed for my niece to lease a vehicle, and she was making the payments timely. She filed a legal restraining order against her child 's father and had to relocate within 30 days ( I can provide copies of all legal paperwork ). She fell behind on a payment and I was not aware. As soon as I heard about this ( through my credit reporting agency ) I contacted XXXX and brought the account current immediately. I received a significant credit hit as a result of this report. I contacted the credit bureaus and they advised XXXX XXXX could remove the late from my account under the extenuating circumstances. The account was just over 30 days late ( 3-4 days ). We would sincerely appreciate any consideration you can give us.
Product: Credit card or prepaid card

My XXXX  debit card with Bank of America seems that was compromised. I never lost or have let anyone used my card. I used a Bank of America ATM machine on XX/XX/2020 and on XX/XX/2020 when I tried to withdrawal more cash I just couldn't get any cash. Immediately contacted them and open a claim for investigation. They told me to freeze my account because I didn't want anyone to take the only money left and for them to send me a new one. I destroyed my old card waiting for the new one and for them to resolve my situation. All I got was a letter stating that my money won't be refunded because of suspicious activities of fraud. That is ridiculous and offensive because If they check their cameras and their ATM machines systems, they will find out that my card was never used to withdrawal any money. I lost almost all my XXXX savings {$4900.00} dollars. No one helps me on the phone nor the bank. Because they claimed that bank of America is just an intermediary. I don't work, have no money or card and no hopes to get my money. I need help. I'm 100 % confident that it wasn't me or anyone taken my card. That is a lie.
Product: Credit card

I purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Within weeks I was XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  after discussion with XXXX XXXX XXXX over the phone, they asked me to cease treatment and agreed to fully refund my purchase as the XXXX were created incorrectly. I also received an email confirming that I was entitled to a full refund. I immediately ceased treatment, rendering my XXXX unusable, but the company shut down before we could dispose of the XXXX. I did not receive a response from my attempts to email the XXXX XXXX XXXX and was unable to contact them as their phone support system was and still is down. In XX/XX/year>, I began the dispute process through my Apple card. This dispute has been in process for almost a year with each dispute being rejected as my purchase date is past the 30 day return policy with no further review, which has nothing to do with my dispute case. Despite many hours on the phone and being reassured it would be found in my favor, the disputes are not reviewed properly and my case is being dismissed.
Product: Credit card or prepaid card

I had a secured credit card from wellsfargo.. I closed it in  XXXX / XXXX /   2014 to  many issues using card and eventhough I had  XXXX  dollars as deposit and was only able to use half the amount on card I was constantly getting fees. so I closed it and was told that everything would clear and account would be closed. instead they charged me  XXXX  I had fought them even got a letter stating it was cleared. it is still on my credit reports.. my letter from them was destroyed in hurricaine.
Product: Debt collection

This afternoon i receieved XXXX phone calls from seperate numbers [ ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) ] and seperate people claiming to represent a company called XXXX XXXX XXXX. They had previously called my mother and sister before getting in contact with meThey opened the conversaation by asking me to confirm my identity and went as far as telling me the last XXXX didgts on my SSN #. ( which they also provided to my family in a voicemail when they previously called ) they then starting talking about a debt i owe from years ago to " Check N ' Go '', which is a legitimate debt. 

At this point theyre telling me that i owe roughly {$930.00} and must pay it in full immediately or they will file paperwork to issue a warrant and have me arrested due to " their client '' pressing charges on me for a couple different types of fraud. I questioned him about the legitimacy of what he was telling me and he got extremely defensive and kept insisting that i would be charged with felonies if i did not pay. he also refused to identify his client when i asked who was pressing the charges since he had told me that the original debt collection agency that got my account from Check N Go had turned over my debt to someone else, and that that new agency, whom he is referring to as his client, is the XXXX pressing charges if not paid.
Product: Debt collection

On XX/XX/XXXX a letter was sent to : EASTERN ACCOUNT SYSTEM, XXXX. 
XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX Regarding account number XXXX ( tracking number XXXX ). I spoke with a XXXX XXXX today XX/XX/23 who confirmed that the are also known as Eastern Account System of Connecticut Inc and they indeed received the letter but updated my status as a dispute. The company has failed to show proof that I've signed an original contract which constituted this debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding incorrect information on my credit report that has been verified by XXXX as accurate. 
However, upon closer inspection, I have identified several inconsistencies that are grounds for deletion : Incorrect Information : The account status listed on my credit report by XXXX contains incorrect information. Specifically, the incorrect payment history. 
Inconsistent Across Credit Bureaus : The account status is inconsistent across the XXXX major credit bureaus ( XXXX, Equifax, and XXXX ). For instance : XXXX does not report the account. 
Equifax reports the account as 30 days late for the month of XXXX, XXXX, XXXX and XXXX. 60 days past due in XXXX and Ok in XX/XX/XXXX. 
XXXX reports the account as 30 days late for the month of XXXX, XXXX, XXXX, XXXX. 60 days past due in XXXX and Charged off in XX/XX/XXXX. 
These discrepancies violate the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a consumers credit report must be accurate and consistent. Under FCRA 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable investigation into disputes and ensure the accuracy and completeness of information. Furthermore, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and compel XXXX and Equifax to delete the incorrect and inconsistent account from my credit report. 
The inaccuracies and inconsistencies in reporting are causing undue harm to my creditworthiness and financial reputation.
Product: Debt collection

Again, ERC/Enhanced Recovery Corporation has ignored my demand to cease calling me and called again today, XXXX XXXX, XXXX, XXXX. I've told ERC in writing in XXXX and again during intercepted calls in XXXX that I DO NOT KNOW PERSON WHOM IT SEEKS ; TO CEASE CALLING ; AND REMOVE MY NUMBER IMMEDIATELY! 
I'd just made a similar complaint to CFPB yesterday, XX/XX/XXXX. Complaint # XXXX.
Product: Debt collection

I paid this debt once I had cancelled my service. Once this went into collections with XXXX I disputed it and asked them to send me anything showing what I owe. They never did and instead sent me a letter saying they could not validate the debt and would remove from all credit bureaus. Two months later another collection agency popped up on my credit with the same debt saying I owe them. I contacted them immediately requesting proof and they never sent it. This should not belong on my credit and I am trying to buy a house and it is affecting my score. These companies should not be able to keep hassling you even after they ca n't prove a debt. When does it stop?
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX : {$3500.00} XXXX  XXXX Balanced : {$2600.00} XXXX XXXX XXXX XXXX Balanced : {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 

Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

INQUIRIES : XXXX : XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN : XXXX XXXX XXXX XX/XX/XXXXXXXX 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 on XX/XX/XXXX These items are either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.
Product: Credit reporting

I applied for a job, interviewed, and days later, received a letter in the mail about that potential employer receiving information listed in my credit report without my consent or permission. When I reached out to the individual that interviewed me, I received no response so I presume I did not get the job based on the information contained in my report.