23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have been a Chase cardholder since XXXX. My card is a Chase Freedom XXXX with a credit limit of over {$14000.00}. I have always paid my bills on time in the complete amount that is due. The same is true for other credit card bills I incur as well as all other bills for which I am responsible. According to Chase 's XXXX XXXX website my XXXX  Score as of today, XX/XX/XXXX, is XXXX. My XXXX XXXX Score XXXX is XXXX according to XXXX. Recently I noticed on a statement that should I carry over any part of a balance beyond the due date for that billing cycle I would be charged interest at a rate of 29.99 %. I have not been charged interest because I do pay the full balance on time, but I was alarmed that the rate seemed unusually and inexplicably high given my credit score and credit history. On XX/XX/XXXX I called Chase to find out why and to ask them to lower the rate to an amount consistent with my credit worthiness. During the call I found out that the maximum rate they charge customers for that particular card is slightly over 29 %, and that I would be charged above the maximum should I not pay the full amount. The person with whom I was speaking said she didn't have authority to change the rate but that she would escalate my request and that I would get a response by mail within 7 to 10 business days. As of today, 15 business days later, I have not received the letter, so I called again. I was told that Chase would not even reduce my rate to the maximum rate for the card and given no explanation for the unreasonably high interest rate. The woman with whom I spoke this evening said my complaint would be noted, and that I would get a response. There would seem to be no rational reason for my interest rate to be exorbitantly high, especially given that Chase itself tells me that I have excellent credit and provides the facts that bear that out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX
Product: Checking or savings account

I have a number of Brokerage CDs. These products are sold as certificates of deposit. However, these products trade like bonds, meaning that their price can rise or fall depending upon interest rates. 

These products should not be sold to savers or retired folk who are seeking safety and income. But they are being sold to millions of saver who are now panic selling because the price is falling because short-term rates have risen. 

Further, the bid/ask spread on CDs which only pay 2 or 2.5 percent typically have a spread of 1 or 2 percent. This is outrageous.

The bottom line is that these products are sold as certificates of deposit, but they resemble nothing of what most people know to be a CD. This practice needs to be eliminated. A CD should not trade like a bond - most buyers are not interested in seeing their assumed safe investment pulsate in value with the markets. If they wanted that they would invest in stocks. Something needs to be done about this.
Product: Debt collection

From XXXX/XXXX/16 thru XXXX/XXXX/16 I have received 38 phone calls from a company that identifies itself as Student Assistance Corporation. 

On or about the evening of XXXX/XXXX/16 I answered a unidentified call that instructed me to contact their office on the next business day. I researched the number left on my phone and identified that caller as Student Assistance Corp. I called their office and inquired as to the reason for the call. I was told that there was no reason that my account was current and the call was ended. 


On XXXX/XXXX/16 I received 4 calls, when I spoke with one of their managers I was told that they did not know why they were calling me, but since they had me on the phone could they confirm some information ( my contact information ) I complied and ask that in the future they correspond with me thru the postal system. I then contacted Navient to inquire as to the reason for that calls, they claimed that they did not know of a reason for the calls as my student loan account is current.I repeated my request that they use the postal system for future correspondence with me. 

XXXX/XXXX/16 I received 5 calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have Accounts passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX : {$290.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$3100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX has violated my rights. 

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
Product: Credit card or prepaid card

I tried to call Customer Service at  American Express on   XX/XX/XXXX   XXXX   around   XXXX   XXXX   PST at  XXXX  and I was able to talk to various customer service representatives who provided me with various pieces of conflicting information. I spoke to  XXXX  and he advised me that I would not be able to make a payment online because they were having technical issues and that I had to call back  in 1-3 hours to  resolve the issue. I spoke to another representative who informed me that I can not make a payment over the phone because my pay-over-the-phone features have been suspended. I called around   XXXX   XXXX   and spoke to  XXXX  and  XXXX  consecutively.  XXXX  informed me that she was going to open up a case regarding my online and phone payment features but she was not able to resolve the issue concerning any late payment fee. I then spoke to another representative  XXXX  who informed me that the checking account she tried to enroll over the phone ( my  XXXX   XXXX  account ending in  XXXX  ) was suspended when I properly advised her that the account is open and is currently in good standing as I receive paychecks via Direct Deposit to this account. She was not able to provide me with any appropriate resolution on the rewards dollars I have just redeemed online 2 days ago and she informed me that it will be applied on the next billing cycle. This just goes to show tha t American Express representatives provide me with conflicting pieces of information and are unable to resolve any issues due to the runaround that have been giving me for the past two months.
Product: Credit reporting

XXXX is wrongly reporting late payments on my credit reports for my secured credit card. They should remove the late payments or delete the Account in it 's entirety. Ask Transunion to delete the account asap.
Product: Debt collection

I first received a letter from XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, and responded in writing on XX/XX/XXXX requesting more information about this alleged debt they claim I owe. XXXX XXXX, XXXX received this letter by Certified Mail on XX/XX/XXXX. 
I received a response, with a letter dated XX/XX/XXXX, stating that this debt is indeed valid and have included a supposed Verification of Debt which looks like a made up letter. On XX/XX/XXXX I then proceeded to contact XXXX, the original creditor, and talked to a XXXX employee ID # XXXX. She stated by phone, which was supposedly recorded, that she will mark this account in her records as fraudulent and that I should receive something by mail and then guided me to FTCs website to file an Identity Theft Report which I later did. 
Ive never received any correspondence from XXXX or XXXX. I then mailed XXXX XXXX, XXXX another letter on XX/XX/XXXX after my phone call with a XXXX which they received on XX/XX/XXXX. On XX/XX/XXXX I also mailed them a letter from FTCs website asking them to stop all collection activity yet they continue to ignore my letters that I am a victim of identity theft as this account is not mine. XXXX XXXX, XXXX is still continuing to collect on a fraudulent account and keep mailing me the same document over and over. All copies will be uploaded here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have contacted XXXX Transuion, And XXXX reporting and sending proof that Im a victim of identity theft Including but not limited to a official filed police Report a Theft affidavit Copy of FCRA 605B making all consumer reporting agencies aware of the violations they may have coming their way if this is not cleared ASAP! 

XXXX failed to Remove the Fraudulent account XXXX XXXX Finance XXXX XXXX XXXX XXXX claim I did not provide a dl or identity theft report but I indeed did 3 -4 months ago XXXX have failed to protect my consumer rights and did not Remove those fraudulent accounts or fraudulent addresses below even after sending in a complete filed police report and proof of address and DL Also XXXX failed to make my credit report available to me XXXX XXXX XXXX XXXX  tx XXXX XXXX XXXX XXXX XXXX XXXX ( fraudulent address ) XXXX Did not Remove TRANSUION FAILED TO MAKE MY CREDIT REPORT AVAILABLE WHICH IS CONSIDERED a violation Im seeking for damages in federal court XXXX : Failed to make my personal credit report available as well as reporting inaccurate information on my credit report account listed below XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FAILED TO REMOVE THOSE FRAUDULENT ACCOUNTS AFTER ME SENDING A COMPLETE FILED POLICE REPORT AND THEFT AFFIDAVIT FOR THE FRAUD THAT OCCURED THESE ACCOUNTS NEED TO BE REMOVED ASAP AS IM NOT FILING A FEDERAL LAWSUIT AGAINST THESE COMPANIES AND WILL BE SEEKING FUNDS FOR FAILING TO PROTECT MY CONSUMER RIGHTS AND FOR THE VIOLATIONS THEY HAVE VIOLATED
Product: Credit card

I have a gold amex that was issued with no annual fee. After the first year, I was billed an annual fee. I contacted amex and the switched cards but never refunded the annual fee ( after promising to do so ) and added a late fee. After 5 phone calls, I was advised a rep accidentally switched me to a gold XXXX employees card and they were not able to verify employment so the fee had not been refunded. I advised the rep I am not a XXXX employee and have never been. I am still waiting for the annual fee and late fee to be waived.
Product: Checking or savings account

I am a victim of Identity theft there are XXXX accounts opened under my name and social security and driver license number.
Product: Vehicle loan or lease

On XXXX we purchased a new 2017 Nissan XXXX XXXX and financed it with Nissan Motor Acceptance Corporation. 

When we were deciding on a vehicle, the salesperson informed us that the vehicle came with the Nissan Navigation System. The system is used in the vehicle for mapping as well as many online options through your smart phone. 

We tried to connect the system to use with our vehicle ( after purchase ), which included downloading the " application '' on the smartphone. 

I went to the Nissan website and referred to the instructions. The website also stated that this option is available with our vehicle. I tried to follow the steps to utilize the system. In the process, I spoke with a representative of Nissan, and she confirmed that the system is applicable to our vehicle. I tried and tried, finally getting to the point of inputting the vehicle VIN. It was at this time that the website indicated that the package was NOT applicable to our vehicle.

I feel the salesperson was misleading to us as well as the Nissa
n website, and again, with the rep from Nissan.

I feel this is false advertising as the system was one of the reasons we decided on this particular vehicle.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$130.00} XXXX  - XXXX - XX/XX/XXXX - {$820.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$290.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$560.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$930.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX - XXXX - XX/XX/XXXX - {$690.00} XXXXXXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$570.00} INQUIRIES : XXXX  XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To Whom It May Concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address. To make your prices of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( Previous / Incorrect Addresses ) 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 Please remove inaccurate employers as well as listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once you have deleted the inaccurate employers and addresses from my credit report, please send me a copy of my updated report. 
Thank you, XXXX XXXX
Product: Vehicle loan or lease

In XX/XX/XXXX I applied to refinance my auto loan from XXXX  XXXX XXXX over to USAA where I do my primary banking, and where my rate would be 1 % lower than the loan I had with XXXX. 
The loan was funded by USAA on XX/XX/XXXX and they were to send the payoff to XXXX. 
In late XXXX I received an email that my upcoming payment was due with XXXX on my auto loan that should have been paid off with the refinance. At that point I called USAA and let them know there was still a balance on my XXXX loan and it appeared the payoff was never received by them from USAA. I was told at that time that they would reissue the check and take care of the issue prior to my payment due date on XX/XX/XXXX since I had already made my XXXX payment to USAA for the new loan obtained. 
Unfortunately that is not what happened. Instead on XX/XX/XXXX they sent me a copy of the check that was supposedly cashed by XXXX. This check had no endorsement information on the front or back of the check that was discernible. 
I opened a case with XXXX, provided them all of the check information and a copy of the check. They have been unable to locate it on their system. I have called both USAA and XXXX multiple times every week to try and resolve this issue, which is still unresolved. 
USAA finally provided me with a XXXX tracking number last week for the check. However that tracking number shows that the check never left USAA and was never received by XXXX. 
So I now have two loans outstanding against my one vehicle. Ive been told I need to make the payments on both loans since USAA is supposedly not responsible for my contract with XXXX, and that any fees/interest will be my responsibility solely. 
Every time I call USAA and speak with someone Im told itll be 3-5 business days for a response and yet we still are no further on a resolution and Im the only one being financially impacted in the interim. And Ive spent well over 10 hours of my time trying to resolve this matter offering suggestions and contact information along the way.
Product: Debt collection

Genesis has called and texted multiple times about a supposed debt owed to my former landlord. I have repeatedly asked for written notice of the debt, including confirming my mailing address. This first started in XXXX. To date, no written notice has arrived.
Product: Debt collection

In late XXXX I started receiving collection notices from Afni / XXXX about a bill I didn't incur with XXXX. I called numerous times indicating to them that the debt was not mine. I sent a certified letter in XXXX to them contesting the debit and requesting more information. They responded by sending the bill. I called and confirmed that the debt was not mine. I thought the matter was resolved until I started receiving collection notices from XXXX XXXX. Today I am sending out another certified letter contesting the debit
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached!! The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last verified inaccurate and date last reported is not accurate. Some accounts are showing open and some are showing closed status. The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement and I have not received a form 1099c and are trying to collect on an alleged debt twice. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. According FCRA guidelines information furnished on consumer reports have to be 100 % accurate across on all 3 credit reporting agencies or the account has to be removed from my consumer report as this constitutes fraud.
Product: Mortgage

In XX/XX/2017 I applied for a mortgage with Quicken Loans. Our landlord lost our home in foreclosure so we are scrambling to stay here. I explained this to the loan officer. and that my mother is a XXXX veteran with XXXX  and moving is the last thing we need right now. I completed the document request and received my pre approval letter, continued the process only to be told after almost 4 mos that I need a cosigner. I offered a cosigner from the start but was told FHA does not accept non resident cosigners. The reason I was given for the new requirement was that my credit dropped from XXXX to XXXX. They had run my credit for times in that period and charged me each time. This was the only changes in my credit. I was flooded with lock the rate emails and I told XXXX XXXX to lock it each time but he never locked it. After being preapproved and submitting all requested documents, knowing my income to debt ratio and credit score both qualify me yet I still have no loan for my house..??? I'm frustrated. My rate went up 4 times and my closing costs went up as well..XXXX score was XXXX, XXXX hourly job in my field of study. No Loan!! I am requesting all credit report fees be refunded as well as them removing all hard inquiries from my report. XXXX said no can do. I can understand running it once, getting to closing day then running it again but not four times in a 90 day period.
Product: Debt collection

We agreed to pay {$150.00} a month for TV and internet services for 2 years. I also let them know that we were on an fixed income and could only pay so much a month and they said that they could and would keep the bill under a {$150.00} a month. But every month after XXXX XXXX XXXX took over XXXX XXXX I had to call to let them know that that was not our agreement. So after so many months of trying to get them to fix the problem my husband and I went elsewhere for services. Now XXXX XXXX XXXX XXXX XXXX XXXX say we broke the agreement I didn't they did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a rental debt on all 3 reports. XXXX recently removed the debt XX/XX/XXXX because it has been 7 years however XXXX states the date for their removal is XX/XX/XXXX and Experian stated the date for their removal is XX/XX/XXXX. I am very confused if there is only one original delinquency date as reported by the creditor, why does the 3 bureaus report different dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX   XXXX {$530.00} XXXX XXXX {$710.00} XXXX XXXX {$84.00} XXXX XXXX XXXX {$350.00} XXXX  XXXX {$800.00}
Product: Checking or savings account

On XX/XX/XXXX/XX/XX/XXXX my debit card was stolen while on a work trip in XXXX, New York In addition it was my contention that the thief was able to get my PIN. That thief, used the card throughout the XXXX XXXX XXXX area, charging up almost {$3000.00} dollars at 30 various different drug stores over a 3 hour period, making cash back purchases in small increments on average of {$50.00} dollars. I reported the fraudulent charges to the bank as soon as I became aware, as did my wife who is joint on the account. I filed a police report in XXXX XXXX XXXX and XXXX XXXX, CA, my place of residence. Upon review the bank rescinded the credits to my account and stated their judgement was based upon inconsistencies with my and my wife 's statements. As i mentioned to the back, I was not aware of how it was stolen, but merely giving them suggestions on who might have been the perpetrator. The bank investigators did n't not put forward a good faith effort to follow up on this claim, nor did the bank hold up their fiduciary responsibility to protect my debit card from this clear fraud while it was happening. Furthermore, while I still have an active police investigation, the bank has already rendered judgement. This matter will be resolved in civil court if I ca n't get the protection of the Bank in regards to my FDIC protected money. I wish to report the bank, the claims department and its management for gross negligence in this matter and I hope the CFPB can help me gain protection from a banks disregard for its primarily responsibility to protect my money