23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

As a customer of a bank that routinely offers me 0 % financing on direct deposit ( cash ) and balance transfers for a fee of 3-4 % of the amount deposited or transferred, an offer I recently utilized ( 0 % til XX/XX/XXXX ; 3 % transfer fee ) showed interest accruing at 23.24 % annualized on my XXXX and XXXX statements. 

For over FIFTEEN years I have utilized this bank 's products due to the favorable terms, and not only are the SAME OFFERS posted to my account monthly, they are sent via USPS -- paper based offers which I always retain if I utilize them and can provide this evidence. 

I have a XXXX FICO score and have never missed a payment. I always pay the amount in question OFF before the 0 % converts to a higher rate. As I have cards with far lower rates at this bank ( 9.9 % being the lowest ) why would I accept an offer that had such onerous terms? 

The answer is : I did not -- there is only ever ONE offer presented to me at a time, so it's not like I " clicked on the wrong thing '' and can provide YEARS of evidence to this pattern of utilization as well as the bank 's OWN documentation as to the offers continually issued to me electronically and by mail When I requested the bank correct the error -- again, their algorithms would never even POST an offer with terms like these, nor would I ever utilize such an offer -- they declined, saying I had " accepted the offer ''. 

I know this is not the case. I also know how easy it is for records to be electronically manipulated ( XXXX XXXX XXXX XXXX XXXX ) and find it unfathomable how the bank would risk an open battle over such a small amount of $ $ ( to them ) For me, {$380.00} is a lot of money. 

My first calls ( over 1 hour ) on XX/XX/XXXX I was promised a resolution and a letter of same in my account within 24-48 hours. I asked for any further interest accruals to be held pending the outcome of the investigation. 

I received NO letter as was promised and my bill closed with a SECOND month of interest accrual. 

My calls today ( XX/XX/XXXX ) took over 1.5 hours and the bank stated that it was " something I did ''. I was ( once again ) promised a letter with this determination -- I will add it to my file if it ever arrives. 

My request is simple : honor the terms of the offer as it is always presented. The transfer fee has posted and is NOT in dispute. However, there should be NO interest accruing on this BT, with a pay off date of XX/XX/XXXX. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, which I acquired from XXXX, Equifax, I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 

I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity.
Product: Credit card

A XXXX credit card was opened under my name/address, with a limit of {$800.00} dollars, without my knowledge. This happened around the beginning of XXXX, when I received a XXXX  letter in the mail, and saw an attached credit card. I havent called to cancel the card, seeing that it has to be activated in order to work. On XX/XX/XXXX, I received another letter from XXXX XXXX, implying that I applied for a credit card ( I definitely did not ), and it stated that they were unable to approve a XXXX XXXX XXXX XXXX, due to not being able to verify my social security number. Today, XX/XX/XXXX, I received a letter from XXXX XXXX, for of course another credit card opened without my consent. The limit on the card was {$250.00} dollars, and this card was ready to be used. I immediately called and canceled the card. Thankfully, no money has been taken from my accounts yet. Im extremely concerned, and want to stop whoever is applying to these credit cards without my consent.
Product: Mortgage

Attempting to reduce my monthly payment with BOA for XXXX. Have been denied for too much income, insufficient income, or product is not eligible. Will not allow my son to sign with me because he does not live with me. They approved be for a short sale or foreclosure. Not an avenue that I want to explore. I have never been late on my payment. 
They are now going me to see if I will be able to make the payment or should they start foreclosure. BOA rep indicated she will be going me monthly prior to my payment to check if I will be able to make my payment, harassment comes to mind. 
Lastly, they will not give supervisor 's number that will accept cell phone calls and will not provide office addresses. Both of these items are required by the legal community to join a class action suit or to begin an individual suit. 
Looking to you for guidance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances..I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud.. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 Chase Bank put a freeze on my account due to a wire initiated by my father from XXXX my father unexpectedly passed away so XXXX flagged the wire as fraud, I have since gained administrative rights to my dads estate so XXXX lifted the hold on the wires they are now authorized but still Chase bank refuses to work with me to unfreeze my account. I have been given the run around hours on the phone, in the branches and no one will help resolve the issue. I get secure emails that have bogus numbers to resolve the issue, they tell me my money is frozen by XXXX XXXX a back office of chase bank but theres no way to contact them. This has been 3 months all my money is tied up my business is going under my car is going to be repoed and I have an eviction all due to Chases unwillingness to resolve an issue.
Product: Debt collection

Ftc case # XXXX, XXXX/XXXX/2008 states that reporting of tribute XXXX ( compu credit ) by XXXX party collections is prohibited. I have sent this documentation and a request for removal per this ruling to XXXX XXXX XXXX. They are refusing to remove this trade line after receiving sufficient information supporting the request for removal.
Product: Credit reporting or other personal consumer reports

Subject : Follow-Up on Dispute Submitted on XX/XX/XXXXXXXX  Failure to Properly Handle Credit Profile Complaint In Reference # XXXX I am writing to follow up on my dispute submission dated XX/XX/XXXX, regarding the continued issues I have experienced with Equifaxs handling of my credit profile. Over the past year, from XX/XX/XXXX, to XX/XX/XXXX, I have received more than 35 letters from Equifax claiming that they can not locate a credit file for me. However, when I contact Equifax, my credit file is found after I identify myself and provide documentation. 

This repeated occurrence is not only frustrating, but it also appears to be a deliberate tactic to evade addressing my legitimate disputes, which I believe constitutes fraudulent activity. Despite my numerous attempts to resolve this issue, including submitting relevant documentation, Equifax has continued to fail in providing a clear and accurate credit report. 

I demand that Equifax take immediate corrective action to : Properly locate and update my credit profile. 
Provide me with a comprehensive and accurate credit report that reflects my true credit history. 
Resolve all outstanding disputes I have submitted in a timely and accurate manner. 
Please note that if this issue is not rectified immediately, I will have no choice but to pursue legal action with my attorney to protect my rights and seek compensation for the harm caused by Equifax 's continued failure to maintain an accurate credit profile for me. 

I request a formal response to confirm that the issues have been resolved within 15 days of receiving this letter. Failure to address this matter promptly will result in further legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 30 days later, I haven't received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me.
Product: Bank account or service

I have many accounts at Capital One 360. It is an online-only bank. Their website and app access has been down for days. Phones not answered. No messages on their website, but credentials for login no longer work. Per XXXX and twitter it seems no customers can access their funds. No access to checking or savings.
Product: Credit reporting or other personal consumer reports

I have disputed unverified, unauthorized, and fraud related inquiries in XX/XX/2023, XX/XX/2023, and XX/XX/2023 on my Transunion report. As of today, Transunion has failed to respond to my dispute letters and the unverified, unauthorized, and fraud related inquiries are still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$51.00} XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$0.00} XXXX Amount : $ XXXX Filed/Reported : XX/XX/2019
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 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 ; According to FCRA Section 605B ( a ) , the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted One Main Financial 's XXXX XXXX PA office via phone in mid XXXX, 2021. 

During an extensive discussion about my financial needs, situation, and assets, I DID provide my SS #. 

On this initial phone call, well before anything was agreed to, upon learning that the interest rate would be in the range of 22 % plus, I made it very very clear that there would be no further interest by me in their services and " thanks anyway '' The following day, an agent called again to attempt to get my business, I made it clear again it would not happen, stating " thanks anyway '' Still, after this, One Main Financial pulled my credit report for loan qualification assessment with NO PERMISSION FROM ME to do so, and in fact, with my expressly stated position that we would not do business. 

This is clearly a violation of protocol since credit inquiries such as this damage my credit score, and it is completely up to me to expressly allow or deny such inquiries.
Product: Mortgage

Early in  XXXX  I posted a payment to  Wells Fargo Home M ortgage for the   XXXX   XXXX   XXXX  . I did this because it keeps them from callin g 2 or 3 ti mes a day if I want to pay at the end of the month. By  XXXX  I was aware that I was n't going to be able to make the payment. I tried to reschedule to payment on my phone but I got a message saying that they were n't able to access the loan data so I should try back later. And I did. Over  24 hours I tried about 10 times, o nline and on my phone, to change the date of my payment. I kept getting the same message. On the   XXXX   XXXX   XXXX   I walked into a  Wells Fargo b ranch to see if they could help me either cancel or rechedual my payment. After half an h our, two ba nk employees looking at my mortgage account, I was told that the problem is that the payment is pending, which is not what the message said. The woman who I talked with at the branch told me that the only think I could do was make sure that the money was in there because it was coming out. I knew that if I let them complete the transaction then the payment could be retried up to 3 times over drawing my account or taking out money as soon as I get income. I had to call my bank and put a ACH cancel/hold thing to make sure the payment will not go through.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I initially open this account my due date was on the sixth of the month and my first payment was showing XX/XX/XXXX and I ask my due date to be changed to the XX/XX/XXXX. I made payment on XX/XX/XXXX and I found out funds was not received until XX/XX/XXXX and I immediately made XXXX dollar payment in which account was not made and it have shown on credit report as accurate and late. I never received a call or letter or anything saying account was late.
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following accounts on my credit report. 


XXXX : XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  ( Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Student loan

XXXX university never disbursed funds, I was told by the advisor at the time, that once disbursement was received, that I would receive a refund for the money borrowed from family and friends. I never received disbursements, and XXXX closed soon after. I just found out today XX/XX/23 while speaking with Nelnet that the loan was placed back onto my account under a different name, which is XXXX University, which I had no knowledge of. Recently gained knowledge of GreatLakes selling my account to Nelnet via my XXXX app.
Product: Credit reporting or other personal consumer reports

I previously disputed inaccurate late payment information on my credit report with Experian regarding my XXXX XXXX  XXXX ( No. XXXX ) account. The reported late payments occurred during a period protected under the XXXX XXXX, meaning they should not have been reported as late. 

The specific inaccurate late payments that Experian continues to report are : XXXX days late in XX/XX/XXXX XXXX  days late in XX/XX/XXXX XXXX  days late in XX/XX/XXXX XXXX days late in XX/XX/XXXX XXXX  days late in XX/XX/XXXX Despite my formal dispute, Experian responded stating that the account was verified but failed to provide the method of verification, violating my rights under the Fair Credit Reporting Act ( FCRA ) ( XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( iii ) ). 

Additionally, under the FCRA ( XXXX XXXX. XXXX ( b ) ), Experian is legally required to ensure the maximum accuracy of reported information. Reporting these payments as late during a federally protected period is a clear violation of these laws. 

Furthermore, on XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for failing to conduct reasonable investigations into consumer disputes, demonstrating an ongoing pattern of negligence in handling credit disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve this issue with Experian for some time now. I received a response from Experian on XX/XX/2022 report # XXXX and report # XXXX on XX/XX/2022, I have send letters to Experian requesting they provide me written proof of verification for the late payments with XXXX and Dept of Ed with accounts numbers that begin with XXXX. Experian has violated my rights and is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
When did I give them written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I have been violated and because of these inaccuracies being a single parent I have been unable to secure a home loan for me and my children. We have suffered greatly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've complained about identity theft twelve times, and this is the latest. In accordance with Fair Credit Reporting Act Section 605B ( a ), you must remove or block any items that were opened without my knowledge, consent, or authorization in 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) a statement from the consumer confirming that the information is not information pertaining to any transaction. 
XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX CARD XXXX Balance : {$5600.00}, XXXX CARD XXXX Balance : {$5500.00}, XXXX BANK XXXX XXXX XXXX XXXX {$2900.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1600.00}XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card

I have fraudulent showings on my credit report. I never opened account with this company. This is showing on my credit as I ask that it is removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX/XXXX  Date of inquiry : XX/XX/2020 ; XXXX Date of inquiry : XX/XX/2020 ; XXXX XXXX XXXX Date of inquiry : XX/XX/2020 ; XXXX Date of inquiry : XX/XX/2020 ; XXXX XXXX XXXX  Date of inquiry : XX/XX/2020 ; XXXX  Date of inquiry : XX/XX/2020 ; XXXX  Date of inquiry : XX/XX/2020
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting obsolete and inaccurate information on my credit report such as Date Last Verified Date of last activity Date opened
Product: Credit reporting or other personal consumer reports

My car was totaled on XX/XX/XXXX and CAC payment form XXXX XXXX  and Gap insurance. They stopped reporting to the credit bureau. This is when the mistakes began. The balance left of my account is {$3600.00} some odd dollars. They reported it after receiving the payments form Gap and XXXX XXXX  as being {$8300.00} even though in my account it showed a balance of {$3600.00}. I disputed this to no avail with XXXX XXXX. However after 2 months it has been updated and now currently reflects the current amount of {$3600.00}. Here is where the second problem begins. They are now reporting my account as behind. It is saying 30-59 days late. But in my account when I log in says I have no payments due until XX/XX/XXXX. I called them about this on XX/XX/XXXX and more errors. When the agent answered the phone she said my balance was {$3600.00}. She then said that I owed them $ XXXX and that my account was past due. However after my car was totaled and I called and spoke with a representative I was told that the $ XXXX reflected in my account was based on the {$3600.00} being spread out over the life of the loan a total of 8 years. My bottom line is they are misrepresenting facts and it is preventing me from getting another vehicle. I can't have a payment due in XXXX of this year and be behind at the same time in XXXX?