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

Hello, I signed up for a Chase Credit Card through Amazon.com. After months of trying to understand why my balance was not moving down, I realized the statement date was the XXXX, but the due date for the payment is the XXXX. I have been paying {$35.00} late fees on a {$35.00} minimum balance. I contacted Amazon & Chase, whom both quickly offered a {$35.00} refund, however, this concerns me that there is an issue with predatory lending. It takes 5 minutes to sign up and get approved for a card on Amazon, and even less than that to spend money on their website. Chase intentionally makes the billing process confusing by making the statement date different than the payment date. Additionally, during COVID, mail was delayed, so by the time a statement arrived, I was already days late making a payment. This has damaged my credit and amassed enormous fees that prevented me from paying down a simple {$1000.00} balance. I feel taken advantage of, and others probably are too. Please look into this and consider making a flat fee+interest on cards -- 100 % of the minimum fee should not be legal. This is predatory lending, and I let Amazon know this damages their brand. 

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

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, DEPT OF ED, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, US SM BUS ADMIN ODA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Exeter Finance has granted deferred payments on this account and they say that they didn't process the paper work on time so that made it late. They say that they record phone calls so the proof will be there that we were never late on this account and yet they refuse to fix it and they will not let consumers talk to the credit department personally.
Product: Credit reporting or other personal consumer reports

XXXX XXXX This is also completely inaccurate. 

XXXX XXXX XXXX XXXXXXXX I do not recognize this. 

XXXX XXXX XXXXXXXX This is not accurate. 

XXXX XXXX This is not accurate. 

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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

My report is showing multiple names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation Request Dear Trans Union I am contacting you regarding a debt you claim I owe. According to the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) ( 15 U.S.C. 1692g ), I formally request validation of the alleged debt before I consider any further action.

Please provide written verification of the following : 1. Details of the Debt : o The name and address of the original creditor.

o The account number associated with the alleged debt.

o A full breakdown of the amount you claim I owe, including principal, interest, fees, and any additional charges.

2. Proof of Debt Ownership : o Copies of documents that establish my responsibility for this debt, including any signed agreements or contracts.

o Proof that you have the legal authority to collect this debt, including documentation of ownership or assignment.

3. Debt Collection Authority : o Your agencys license details for debt collection in my state ( if applicable ).

Until you provide the above information, I will not acknowledge responsibility for this debt. Please note that under the FDCPA, you are required to cease all collection efforts, including reporting this debt to credit bureaus, until proper validation is provided.

If you can not validate the debt, I request that you cease all communication with me as per my rights under federal and state law.

Please provide the requested information within 30 days of receiving this letter. Any further correspondence should be sent in writing to the address listed above.

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am frustrated to see that the Credit Bureaus have done nothing to remove the disputed Items from my Credit File despite the multiple written letters I have been sending to the Credit Bureaus. The last letter I sent to the Credit Bureaus was dated XX/XX/2022 with complete attachments of my personal information but the Credit Bureaus have been ignoring the written appeals I sent. It is clear that the Credit Bureaus have become non-compliant of the FCRA section 605b and continued reporting these items on my Credit File without proper verification. I thought that this matter was already taken care of due to the letters I have been sending but I was wrong. Right now, I am submitting this complaint in hopes that the Credit Bureaus would finally take action and and to remind the Credit Bureaus of their obligation to comply with the FCRA section 605b and delete the disputed items completely from my Credit File. I need the following items removed now! 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXXXXXX XXXX  XXXX Balance {$3500.00} XXXXXXXX XXXX XXXXXXXX Balance {$4600.00}
Product: Credit reporting or other personal consumer reports

Today, as I was checking my credit report I cant help but notice that there are inquiries in it that I don't recognize, I did not authorize this nor given consent to the companies to pull up my credit report, it is stressing me out and making me anxious.
Product: Credit reporting or other personal consumer reports

I JUST RECEIVED COPY OF MY CREDIT REPORT AND FOUND THIS FRAUD CHARGE CARD. 

XXXX XXXX XXXX XXXX XXXX WAS OPENED BY FRAUD WHO STOLE MY IDENTITY AND MY WALLET. 

THIS XXXXXXXX XXXX XXXX XXXX XXXX SHALL DELETE FROM MY CREDIT REPORT BY LAW. 

THIS FRAUD ACCOUNT BALANCE IS {$1600.00} AND I AM NOT RESPONSIBLE FOR SOMETHING I NEVER OPENED. 

DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT.
Product: Debt collection

had a pay agreement to repay the loan. last payment made was in XX/XX/XXXX however, I have been unemployed since XX/XX/XXXX. I have been paying from my savings and have now depleted all sources of income. I have contacted lending club on multiple occasions to inform them of my hardship status. after 90 days of non payment, Lending club has forwarded the debt to 3rd party collection agency XXXX XXXX XXXX. I received written notice from XXXX XXXX XXXX dated XX/XX/XXXXrequesting a response to the collection debt. I contacted XXXX XXXX on Monday XX/XX/XXXX at XXXX and spoke with an EXTREMELY rude agent by the name of XXXX at XXXX. I informed XXXX of my current situation and stated I was unable to make any payments. XXXX was very rude and did not let me speak without interrupting. further more XXXX stated, her records showed I have a XXXX Credit card in which I could use to make payments. This sensitive information was disclosed to me without my consent to pull my credit report. In addition I did not authorize XXXX XXXX XXXX nor anyone representing XXXX XXXX XXXX to pull my credit. I question why they disclosed this information with out my consent and how would they know about this without unlawfully pulling my credit file?? I find the practices implanted by XXXX XXXX XXXX in attempts to collect debt to be very unlawful. 
for the record this complaint is for XXXX XXXX XXXX ( rep XXXX AT XXXX )
Product: Vehicle loan or lease

I have had this vehicle since XX/XX/XXXX. It is financed through Credit Acceptance Company. Last XX/XX/XXXX, they Repossed my XXXX XXXX. However I had to pay $ XXXX repo fee+XXXX  to get my car back. Payment was not late. they got my car two more times after I have filed Bankruptcy. 
I paid my money to the trustee XX/XX/XXXX as well as XX/XX/XXXX and Thursday XX/XX/XXXX they came and got my car again. all this is doing is lowering my credit score. My score was in the 600s when I purchased this vehicle now my score is XXXX. 
The is not a good finance company
Product: Checking or savings account

I filed a complaint for fraud on my Citibank checking account, my debit card was skimmed and or cloned and used in XXXX XXXX XXXX, with 4 charges of {$130.00} between XX/XX/XXXX and XXXXXXXX XXXX. I was in XXXX XXXX California shopping. It would have been impossible for me to be in XXXX and New York, and although I disputed the charge Citibank denied the claim.
Product: Mortgage

Mortgage was transferred to BSI XX/XX/XXXX. The old mortgage company transferred our Escrow Refund ( by mistake ) and Insurance Cancelation check ( since our mortgage was transferred to another lender they canceled the policy ) to BSI and it was to be refunded to but never was, i tried for 7 months calling every week to get it handled and it never was, all they kept doing was opening tickets i tried to explain to them what was going on they said on i see it in here let me open a ticket the next week i would call back and do the same thing with a different person. finally i sold my house, frustrated and sick of dealing with both these horrible service companies but never received the XXXX. XXXX escrow refund from XXXX, {$1700.00}. insurance refund from XXXX, the refund for the new insurance BSI put on our house eff XX/XX/XXXX that should be canceled now since we sold it and the escrow refund for XXXX {$1600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX account ending in XXXX, I want this account deleted due to inaccuracies and false reporting. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. On Experian for this account there is no payment history for XX/XX/XXXX. The account was not closed until XX/XX/XXXX therefore there should be reporting payment history for XX/XX/XXXX. I want the account deleted because the reporting payment history is inaccurate and I took the facts directly from credit reports.
Product: Bank account or service

I am unemployed. I had a payment that should not have been processed. I had already informed that vendor that the funds were not available for payment when my balance was {$56.00}. 
The payment {$140.00} processed by the bank anyway. My account balance was already low and now I now have an overdraft of {$200.00} that I can not pay due to being unemployed. They are charging me an additional {$7.00} for each day that the account remain negative. That is unfair practice against the account holder. 
Then when I ca n't pay the overdraft, then I will be reported to check systems.
Product: Credit card

Hi, Santander Bank sent me an offer to open credit card and I did apply as instructed. 
I got a letter of denial tells " Unable to Validate or Process Application ''. 

I called today the number on the offer XXXX to check what information needed to be validated but they refused to tell me anything but " At this time we can not process your application ''. 
Please find out if they have problem processing application or my information provided has an issue! 

Thank you XXXX XXXX
Product: Debt collection

I called national credit adjusters who has the debt now, I told them I never had that account, they said it was original a XXXX XXXX account, which I never herd of, they said it was opened in an email address I never herd of and then told me the money was sent to a XXXX account and again I told them I have never even had a XXXX  account, so they agreed it was not mine, so I have sent them everything I know how, and its still on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and companies listed are unauthorized and unrecognizable. There is now a lock on my credit as well. 
-XXXX XXXX  ; Inquiry Date XX/XX/XXXX -XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX -XXXX XXXXXXXX ; XXXX Date XX/XX/XXXX XXXX ; Inquiry Date : XX/XX/XXXX -SYNOVUS BANK ; Inquiry Date XX/XX/XXXX -XXXX  XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Tired dispute inaccurate information on my credit report. Contact credit bureaus and provide proof of inaccuracies but still not removed. 
The auto loan from XXXX XXXX XXXX XXXX needs removal
Product: Credit card or prepaid card

On XX/XX/2019, I went to the ATM machine at the Santander Bank in XXXX, NJ for a withdrawal. On the first try they told me I had the wrong pin. I called XXXX and they told me it was the right pin. I tried again it would not work and my card was kept. When I went into the bank they would not return my card. they don't have to give me the money that I asked for, but they have no right to keep my card. I called XXXX again and they assured me the card was OK. 
Why is a bank allowed to keep my card which is my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

U S DEPT OF EDXXXX XXXX XXXX, US DEPT OF EDXXXX XXXX, U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF EDXXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, ONLY NAME IS XXXX XXXX, ONLY XXXX IS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

FTC IDENTITY THEFT Report XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and Transunion Credit Reporting Agency , block information appearing on my consumer report that is result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account established at XXXX XXXX XXXX  on XXXX under account number XXXX, auto loan account account opened at XXXX XXXX XXXX on XXXX under account number XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 inquires 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 identify theft and as proof from the U.S. 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 reporting

An apartment complex that I was applying to uses CoreLogic to check the credit history of potential lessees. When I applied to the building, I was told that my application had been rejected due to an issue with my credit history. I immediately contacted CoreLogic to see what the exact issue was, and was told it had to do with a debt owed to a debt collector called XXXX XXXX. When I contacted XXXX XXXX myself, they told me that they had no record of such a debt, and that they had not provided information about a debt to any credit reporting agency. I obtained a letter from XXXX XXXX stating as such, and provided that letter to CoreLogic. CoreLogic has since deleted the false information from my record, however they will not tell me where they got the false information from in the first place, other than to tell me they got it from XXXX XXXX XXXX, a company whose " Contact Us '' page on its website links directly back to CoreLogic. I want to ensure that this false information does not exist in the records of any other company, however I can not do so if I do not know which other company to contact. I am also concerned with CoreLogic 's failure to reasonably ensure that the information it receives and disseminates is correct. While I understand that mistakes are made, it concerns me that CoreLogic had information supposedly from XXXX XXXX that XXXX XXXX knew absolutely nothing about. There should be some responsibility on CoreLogic to ensure that it is getting information from a reliable source before potentially damaging a consumer 's credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report 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, account types are different, and date last reported is not accurate. This ground for removal they also violated my rights under 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 an account without my written instruction. 

Also the credit bureaus took more than 30 days to complete my investigation I SUBMITTED A COMPLAINT WITH THE XXXX I SUBMITTED A COMPLAINT WITH THE ATTORNEY GENERALS OFFICE AND THESE COLLECTION AGENCYS ARE VIOLATING MY RIGHTS This was not a proper investigation 15 U.S.C 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

This is a violation please remove accounts
Product: Credit card

My wallet was stolen with all my cards and information from my bag at a gym and I started to see charges I didnt do, I also complained and nobody from XXXX XXXX or discover gave me any options but still had to make payments
Product: Credit reporting or other personal consumer reports

Equifax Consumer Fraud Division XXXX XXXX XXXX XXXX, GA. XXXX Subject : Request to Block and Delete Unauthorized Inquiries due to Identity Theft under 15 USC 1681c-2 ( a ) To whom it may concern, I am writing to dispute several unauthorized inquiries on my consumer report. I have recently reviewed my credit report and have found inquiries that I did not initiate nor authorize. Given that I have also been a victim of identity theft, I strongly suspect that these inquiries are fraudulent. 

The unauthorized inquiries are as follows : 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
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Av XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX, XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

i have made several attempts to resolve incorrect items being reported to Equifax. i have asked them to provide me with proof on how these accounts were verified as 100 % accurate and that they belong to me. i asked them what method of verification was used and in addition, to provide me with a legal and binding contract that bears my signature to the following accounts : 1.XXXX 2. DPT EDXXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXXXXXX 8. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I cosigned a loan with XXXX XXXX XXXX in XXXX XXXX Iowa. The Loan was extended in XX/XX/XXXX and my mother defaulted on the payments. At that point I recvied no contact either by phone or mail from them. They garnished wages from my mother and I was never notified of any issues with payments. They said they mailed information but I never recvied it. Nor, did I recieve a call. 

On XX/XX/XXXX I spoke with XXXX at the office. She even stated that it was completly mishandeled and wanted to do something to help me. I called and spoke with an office manager named XXXX who was not helpful at all and basically said oh well and it was my responsibility, not thiers to keep up on it.