23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

ACCORDING TO 15 U.S.C 1681 THIS COMPANY IS VIOLATING MY PRIVACY AND VIOLATING THE FEDERAL CREDIT ACT. THEY ARE CAUSING HARM TO MY CREDIT AND EMPLOYMENT, AND I WILL BE SEEKING LEGAL ACTION IF ISSUE NOT RESOLVED IN A TIMELY MANNER BEEN GOING ON TO LONG AND ALL THEY KEEP SENDING IS STATEMENTS NO SIGNATURE OR ORIGINAL CONTRACT.
Product: Debt collection

I have previously wrote a letter on XX/XX/XXXX via certified mail and and also submitted a complaint to CFPB on XX/XX/XXXX about an invalid debt account that is not mine reporting to my credit report coming from " National Credit Adjusters '' They responded to my letter saying that they would start the dispute process and place the account in dispute status. Later when I made a complaint to the CFPB the replied saying that the account is in dispute status and they were waiting for account documentation from the original creditor. It is not XX/XX/XXXX ( Basically XXXX ) and the account is still on my credit report even though I made the original request way back on XX/XX/XXXX. This is extremely unfair and hindering.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have an Itin and when i went to the dealer they informed me that i had a different social on my report, however i should only be listed under my itin which is XXXX nut the social i am getting MIXED-UP WITH IS XXXX I NEED THIS CORRECTED, I AM BEING DENIED A CAR DUE TO HAVING A MIX CREDIT WITH 2 IDENTIFICATION NUMBERS, I HAVE SENT IN ALL DISPUTES AND IT IS STILL BEING IGNORED. NO ONE HAS BEEN ABLE TO HELP ME AND I DON'T KNOW WHAT TO DO. I NEED TO REMOVE THE XXXX FROM MY REPORT, I DO NOT HAVE A SOCIAL I HAVE A ITIN PLEASE, DELETE THIS AND ANY INFORMATION THAT IS NOT MINE.
Product: Credit card

I sought a lower APR since my payments are on time, set to auto pay to make sure I'm on time and monthly. 
My APR went from 14 % to over 17 % and I wanted to know why, and asked if it could be lowered... 
This is how that conversation went, just minutes ago : " Discover XXXX XXXX XXXX, thanks for reaching out to us today! My name is XXXX and I'm located in the Illinois location. How can I assist you today? 
XXXX Just wondering about my APR that was 14 %, now 17 % I'm on auto pay, so unsure why it would increase? 
And is there any way to bring it down? 
15 minutes agoXXXX XXXX  picture Discover Please allow me one moment to review your account and I will be right with you. 
XXXX Thank you. 
XXXX minutes agoXXXX XXXX picture Discover At this time I don't see any options to lower your Apr. 
XXXX why? Payments are on time. 
I will gladly contact the Federal Trades Commission again if need be. When someone is paying on time, you reward them by increasing their APR? 
XXXX minutes ago New Messages XXXX XXXX  XXXX XXXX Discover I can truly understand your frustration. I'll apply the feed back. 
Discover XXXX. We calculate variable rates based on the Prime Rate ; we use the highest U.S. Prime Rate listed in the online The Wall Street Journal ( XXXX ) on the last business day of the month If you have a variable APR, it will vary with the market based on the Prime Rate. That may explain the increase. AT this time is there anything else I could possibly assist you with? 
XXXX no '' As you can see, there is no interest in lowering a person 's APR ... Why when they don't have to?! This is HIGHWAY ROBBERY and our government needs to CRACK down on this! All of them, not just Discover XXXX. If a person is able to pay off their debt, they will be able to provide more to the economy. 
I'm not asking for a 0 APR, I'm asking for a lower APR that I may actually see light at the end of the tunnel! My current APR rate is 17.24 %. Again, I'm not seeking 0... I understand it is how they make their money. I am seeking a lesser percentage as I'm a long-standing customer with on time monthly payments. 
My current minimum payment due is {$310.00}, with a monthly interest rate charge of {$200.00}. 

Thank you.
Product: Debt collection

Portfolio Recovery keeps calling a private phone number of mine repeatedly, multiple times a day, from phone numbers all over the U.S. Because they are calling from so many different numbers, I can not block them. They are also calling my work phone number, when they 've been informed that I can not receive personal phone calls at work.
Product: Money transfer, virtual currency, or money service

I have been a chase customer for years Since XX/XX/2022 I have been having troubles accessing my online banking account I have called Chase multiple times They Never fully fix the problem When I went to my main branch so they can contact Chase customer support for me they told me I would never be able to use the Chase online banking As a chase customer Through continuing to talk to customer support they have worsened the problem they have accuse me of fraud and Unrestricted access to my card Almost leaving me stranded while I was on vacation I would very much appreciate your help in this matter.
Product: Debt collection

In the month of XXXX I contacted the debt company and asked them if they could provide me information on the debt that was listed on XXXX XXXX and they did not provide information on debt they also did not tell me whos the actual owner of this debt. During the phone call I asked for a breakdown and they said they would send it through email and then again through mail and I never received anything they have lied about sending a breakdown report. I have received multiple phone calls asking me to pay XXXX dollars in debt I do not own. On XX/XX/XXXX the collection was removed from XXXX. Ive also spoke with XXXX and XXXX filing this as fraud.
Product: Checking or savings account

My account was closed/limited. All I did was exercise my right to dispute an item I received that was counterfeit. PayPal should take the counterfeit issue seriously. I did not violate any PayPal policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is furnishing Hard inquiries not connecting to open accounts and firm offers of credit pursuant to the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX I have contacted the banks and XXXX to Delete with no results for Law and privacy violations
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX Balance : {$38000.00} ; XXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I have been going back and forth with this company for almost a year with disputing information that was not mine. I have provided so much info for them and they keep telling me it has to stay on my credit report. It's messing up my future. 

Here is a list of the accounts I have disputed multiple times. 

XXXX  XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX - Account # XXXX XXXX XXXX  - Account # XXXX XXXX XXXX  - Account # XXXX
Product: Mortgage

I applied for Refinancing with my original mortgage provider Rocket Mortgage and was approved. They had an appraisal done to which no discussion of cost for an appraisal. In the mean time I had another Loan company give me an estimate to which they came in with a better rate and cash out offer than Rocket. Trying to finalize the loan with new company and needed Rocket to transfer appraisal to the Loan company Rocket said before transfer I needed to pay XXXX for appraisal. I was shocked that first of all it would cost that much and second no mention of appraisal price was discussed. I think this is a deceptive practice and its like punishment for not going with their offer. Just think this is dishonest. Thanks for Listening XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX submitting this complaint against Equifax Information Services, LLC and their is no third party involved. 





As of Today, XX/XX/2022 at XXXX EST your company is entering a binding contract ( Attached below ). Also your company is hereby to delete these accounts below as If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated identity theft, violating the metro 2 compliance and FCRA Delete & purge these accounts below : XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX and XXXXXXXX XXXX XXXX XXXX no acct # XXXX  XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX  acct # XXXX XXXXt acct # XXXX XXXX bankruptcy XXXX XXXX discharged Delete all hard inquires & late payments as well
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I sent my complaint to you and you forwarded that to Premier Student Loan Center who responded incorrectly but you accepted that and closed the case. Is this how you do business and if so, I guess I should not be surprised since you are a government agency. My complaint was NOT the fee but the way in which the fees were to be set up. My complaint was NOT the fee but the misleading information regarding how I would now be set up to repay the loan. It clearly states that from the beginning, I would pay {$240.00}. for the first 4 months ( their fee ) and {$100.00} thereafter for the next 120 months. THE XXXX CHANGED TO {$230.00}. I was also quoted {$70.00} and another {$30.00} which totals the $ XXXX monthly payment. When I asked for an explanation about this and where does the {$100.00} appear, I received a general response that did n't feel right. That 's the issue that should be questioned and this information was stated in my first correspondence. If you are there to protect consumers, how the XXXX is this protecting consumers?????? Companies should not be permitted to pray on consumers such is what happened in 2008 and why to were created. People were mislead and provided with XXXX  information yet it appears that it is allowed to continue WITHOUT PROPER OVERSIGHT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got pre approved online for a vehicle on XX/XX/XXXX. I scheduled an apt to go into the dealer on XX/XX/XXXX. I had all my paperwork, and was ready to buy a car. The offer from XXXX directly from XXXX Nissans website said offer valid for 10 days. I scheduled an appointment for the weekend ( 5 days later ) since thats when I wasnt at work. XXXX the sales rep took a look at my phone and said no no no those prices are very wrong ( the prices directly from XXXX Nissans website. ) He continued to try to upsell me and tell me the confirmed offer I had was inaccurate. When I continued to try to show him my confirmation he kept saying things like did you read the fine print and why didnt you come 5 days ago? This was my first time buying a car on my own and I came prepared with my approved finance APR, monthly rate, and all my paperwork to buy same day because I did not want to have to haggle. However he wouldnt honor the rate from my confirmed offer/credit approval and continued to tell me it was not accurate. He said the car had been sold and that they cant hold cars, which is understandable. I was not asking for the specific car with the VIN the dealer had two days prior already given to XXXX and listed on my new insurance card, but to honor the rate I was quoted on whatever car with the same model/trim etc. was available ( which there were plenty of ) .I provided this company my social security number to run a credit check, and had a firm offer for financing. They ran my credit and did not honor it within the 10 day period I was given.
Product: Credit card

On XXXX XXXX I purchased a phone online from XXXX by XXXX for a XXXX. The device mailed to me was incorrect and the box remained unopened. The device was shipped back immediately using the merchant return label provided. On XX/XX/XXXX the return tracking number via XXXX confirmed received and signed by employee of merchant. I was advised it could take 30 days to see a refund. On XX/XX/XXXX the merchant emailed me confirming they received the device and will issue refund within 10 days. The refund was never received and the merchant stopped responding to any messages. On XX/XX/XXXX I created a dispute with my bank Chime and provided them all the same info and documents of the returned device and also the merchant email confirming the warehouse received the device but no refund issued. 10 days later i received a notification stating the dispute was closed and denied due to no response from merchant. I asked what brought them to this conclusion after all documents show the issue clearly, I was advised the department that handles disputes does not provide details on how they come to there conclusion and that they would send me the documents used to make there decision. The email i received only had the original documents that I provided to them and none from the bank Chime themselves. A supervisor also confirmed i submitted all necessary documents and she didnt understand why the decision was denied but that she also could not overturn decision.
Product: Credit card

I called Macy 's CS in XXXX to make sure my auto payments of $ XXXX/month would cover the amount owed within the time frame left on the no-interest Special Event balance and was assured that it would. 

On XXXX I was checking my bank checking account and noticed the auto pay had been reduced from $ XXXX/month to {$25.00}!! 

Made XXXX attempts to reach a representative at CS. No options were available to connect to an actual person, unless I just hung on and did not input my account number. ( I was later told there was something wrong with the system. ) The XXXX rep I spoke to after waiting over XXXX minutes, XXXX, did not know why it had been changed, but agreed to cancel the {$25.00} auto pay and adjust them so account would be paid off within time framed allowed for deferred interest. I was again put on hold. 

When she came back on the line, she said I had made the payment of {$25.00} at a Macy 's store. I HAD NOT and on my end it clearly stated that it was a web initiated payment. I asked to speak to a supervisor and was put on hold, again. 

When supervisor XXXX came on the line. she explained that the change in payment amount was because of a system upgrade linked somehow to XXXX XXXX and all auto payments scheduled were not carried over. I asked how Macy 's could change contractual arrangements it had with its customers and not advise them of the change?? She said I had made the auto pay arrangements through my bank, which I had not. I asked her how she was going to fix this and was put on hold again! After a lengthy wait, my call was DISCONNECTED. 

This entire unsatisfactory process took at least and XXXX minutes and NOTHING WAS RESOLVED. 

I question both the competence and legality of this behavior on Macy 's part and am therefore sending a copy of this letter to the Consumer Finance Agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Short description : Experian enrolled and charged me for several months of a credit monitoring service, when all I had ordered was a one-time credit report. See my attached letter and their response, along with my receipt for the one-time report.
When shopping for a car in XX/XX/XXXX, I ordered the single report and was charged {$5.00}. In XX/XX/XXXX, I noticed a recurring charge from Experian on my XXXX XXXX statement. I NEVER ENROLLED in a recurring monitoring product. I never USED this product.
<P/>
When I contacted Experian, they claimed I had signed up for a 7-day trial membership. I did n't do that ( and certainly not knowingly ) - and how would that be consistent with the receipt I received for the one-time credit report charge?? ( Furthermore, from looking today at their website, it 's not even clear that they have a 7-day trial product. ) As their response indicates, Experian clearly would rather be able to say " GOTCHA! '' than deal fairly with their customers. It 's interesting to me that many merchants make a different choice. As but one example, I get an emailed receipt EVERY MONTH from XXXX for XXXX XXXX for the added space in my XXXX account. If Experian followed the same reputable business practice, I would have realized immediately that there was an issue and could have resolved the problem before several months of their alleged charge had piled up.
<P/>
Thank you
Product: Credit card

I am filing a complaint with the CFPB regarding Citibanks advertising of the Citi XXXX XXXX specifically its inclusion of XXXX XXXX XXXX  as a benefit. Citibank advertises that the Citi XXXX XXXX includes Priority Pass Select, yet when I contacted Citibank for instructions on accessing this benefit, I was instructed to contact XXXX XXXX directly. However, when I contacted XXXX XXXX, they informed me that Citibank should provide the necessary information. 

This contradictory information leads me to believe that Citibank may be engaging in false advertising by claiming to offer a service they do not provide effectively. This situation has caused confusion and inconvenience as I am unable to access the XXXX XXXX XXXX benefit that was a significant factor in choosing this card. 

I would like the CFPB to investigate this matter to ensure compliance with consumer protection laws. Specifically, I believe this issue XXXX violate Section XXXX of the Federal Trade Commission XXXX, which prohibits unfair or deceptive acts or practices in commerce. 

Thank you for your attention to this matter.
Product: Debt collection

I only owed XXXX XXXX XXXX dollars. When I was goin to pay on my assigned date the electronic fund was goin to take place .they closed my account abruptly and sold it they said. I tried to get info on where to pay to avoid further problems and they did not know who it was sold to. Then a guy who harassed day and night and talk to me forcibly and told me I was goin Togo to jail said I owed XXXX dollars which I didnt. I wouldve paid this off already but its not fair theyre harassing me and now send me calls that they are the irs and are suing me and Goin to put a lien against me and its not even the right amount. They call me constantly saying they are goin to a judge in a few hours to have me deposed.or that they are the irs and are goin to take it out of my paycheck.or that theyre the govt and are trying avoid having me arrested and the call till XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am working on getting a home loan, within the last few days before closing ( XX/XX/XXXX ), The underwriter did a soft pull of my credit ( FHA loan ), I was named as an authorized user of a Capital One credit card that I never personally authorized. The account holder defaulted on the account and as an authorized user ( of a card that I was never aware of ) had the closing of my home loan stopped in it's tracts. My loan agent advised me to have the credit card company remove me from the account so that they can re-score my credit. 
Capital one has removed me from the account however, in order for my re-score to take place, I've been asked to have a letter from Capital One to state " I have been removed from the account as an authorized user and this account is to be deleted and removed from all three bureaus and my credit report. After several phone calls ( XX/XX/XXXX ) Capital One wrote me a letter ( dated XX/XX/XXXX ) ( received XX/XX/XXXX ) stating that they have deleted me as an authorized user from the credit bureau report. I sent this over to my loan processor ( XX/XX/XXXX XXXX XXXX XXXX ) and received an email on XX/XX/XXXX from my loan processor that XXXX XXXX has informed them that the credit bureaus are not accepting the letter provided by Capital One. Capital One will not re-word the letter that they are looking for and XXXX XXXX won't accept the letter without their specific wording.
Product: Credit reporting or other personal consumer reports

EQUIFAX in violation of Deprivation of Rights Under Color of Law and Ethical Breaches. These actions have resulted in the deprivation of constitutional rights of XXXX XXXX XXXX XXXX, in violation of Title 18 U.S.C. 242. I have an advocate from XXXX XXXX XXXX who has assisted my affairs as a victim of human trafficking. EQUIFAX has not abided by the laws and regulations set in place under 605C. I am requesting an investigation on this matter as soon as possible and for my file to be blocked in the time permitted under the DBRA. 

I have attached my documents to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted numerous times to a point where i am going to take this to an Ohio Attorney Generals Office and exercise my rights to a higher level i had 2 UNAUTHORIZED charges {$630.00} and {$1000.00} Please remove these asap so i can stop sending in complaints and letter repeatedly weekly these are unauthorized due to identity theft and as well as i have id protection on my credit file for the next 6 years the law is that you have to obey id theft and this has not been removed yet. Once these two charges are removed and my credit file is updated and my new min payment is updated i will start to continue making payments. please remove all late payments as well.
Product: Credit reporting or other personal consumer reports

( Account # XXXX. ), was charged off on the ( XXXX, 2019 ). Since then the account has repeatedly continued to update as charge off every month which is an update in payment history. A charge off shouldnt include an active payment history. This false information manipulates the statute of limitations. You failed to investigate this information properly and your neglect has violated my rights. Am demanding a deletion of the following account. 

XXXX XXXX- XXXX.