23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear Consumer Financial Protection Bureau, I opened my credit card account in XXXX, but I fell on hard times in XXXX and notified the credit card company that I would not be able to make payments until I was back on my feet. In XX/XX/XXXX, my balance was approximately {$700.00}. However, I believe my first missed payment occurred in XX/XX/XXXX, and I was charged late fees and interest from that point through XXXX XXXX total of 11 months. 

As a result of these fees and interest, my new balance ballooned to {$1100.00}. My XX/XX/XXXX bill listed a past due balance of {$420.00}, with an additional {$72.00} in late fees and interest for that month, bringing the total to {$1100.00}. 

This account has now been sent to a creditor, and I am making monthly payments. However, I was under the impression that there is a cap on how much credit card companies can charge in late fees and interest annually. These charges have severely impacted my credit, making it difficult for me to refinance my home, and have also caused an increase in my insurance costs. 

I am seeking assistance in reviewing the charges and determining if they are in compliance with the law. 

Thank you for your time and consideration.
Product: Credit card or prepaid card

I received a call from an unknown number whose location was just from in town XXXX XXXX, MO ), so I thought maybe it was somebody from work. When I answered, it was an automated message saying it was important information regarding my Chase credit cards and I needed to hold on the line to wait for a representative. I did think it was important because I had just paid my Chase credit bills the night before. The representative picked up the call right away, did not ask for my name, and said that I was eligible for a 0 % APR for life on my credit cards. He started by asking for the last XXXX digits of my XXXX Chase credit cards ( and yes, I gave it ). He also kept asking for the expiration date on the cards, but I was not able to give him that info. He knew the current balances on both cards, he knew when I last paid and how much ( up to the cents ). I know this sounds stupid now, but at that time I was confused and I guess I was also tempted. He then started asking what other cards I had. I named all the others credit cards but did not give him the number. He kept asking question after question, I felt like he was rushing me into giving answers but also kept reassuring me and telling me to take my time. There was a lot of background noise, like it was an office filled with representatives. He asked for the current balance of my XXXX XXXX and I gave him some estimate to the best of my knowledge. He said it again that I was eligible for a 0 % APR - for LIFE - for ALL my credit cards this time ( not just my Chase ). He then asked for the last digits of my SSN and I gave it. He kept rushing to ask for more information. I was now more confused. I guess I was suspicious from the beginning, but was also being XXXX. I asked who was calling and he said he worked with Credit Card Services. I ended the call, and immediately another unknown number called from XXXX, KY. I declined that call, and then another unknown number called from somewhere in MO again. I blocked all the callers. Hours later, there was another unknown caller and I declined it again. At this point is when I started reading more about it and decided to report it.
Product: Credit reporting or other personal consumer reports

There are accounts listed that are not mine. Please remove them.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS LOSS/STOLEN AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th attempt to dispute the information in my credit file which is resulted from an identity theft. The Credit Bureaus has no response regarding this issue. Again, Im sending over Identity Theft Report # XXXX Pursuant of FRCA section 605B ( a ) ( 1 ) ( 2 ) Credit Bureaus are required to block any information in my file that resulted from identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. The following items listed below are unknown to me and need to remove from my file : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Inquiry Date XX/XX/2021 ;
Product: Mortgage

I have an FHA mortgage with Wells Fargo and was granted COVID 19 forbearance effective XX/XX/2020. I called WF on XXXX and asked about repayment options. After 2 hours, 3 reps, much confusion and 1 rep hanging up on me, I was told that I was not current on payments when COVID began, so they could not offer me ANY options for repayment. I was given a different number to call to " try to straighten out my account ''. Frustrated I decided to call in couple days. I have since verified that I made all payments and that WF took the payment out of my checking account. I have documented with checking account statements and cancelled checks. 

On XXXX, I received a notice by mail stating that I am currently in foreclosure and that WF is " actively pursuing foreclosure '' ( to this point I have not received any notice that I have any late payments much less at risk of foreclosure ) .The same letter stated that although they received my payments that they could not be applied to my account.I called the number listed on the letter and an hour later was able to speak with someone in the escalation department who says that they will research it, but that he can't stop the foreclosure process.
Product: Mortgage

I was a customer of Caliber Home Loans. When I refinanced, they failed to fully return my property tax escrow. I went to the county tax assessor and confirmed that a disbursement Caliber claims they made was never paid out. Twice I have opened a case with Caliber. They tell me I have to wait two weeks for a resolution and that they are escalating. Twice now they have 'accidentally ' closed it and told me I have to start all over again. I feel they are trying to keep my money ( over {$2000.00} ).
Product: Debt collection

I have asked this company several times to verify my debt showing my signature where this debt belongs to me. I have requested hard copies to be mailed to me and have even disputed online. They are not complying which is illegal. I know my rights and if they can not verify this debt they must delete this off my credit report as it is causing my reputation to be tarnished.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

TransUnion on XX/XX/24 Re : Proof of Address Unacceptable -Reason XXXX Only one form of proof was provided. 
XXXX ( XXXX ) acceptable documents are required. Please provide the following two ( XXXX ) current documents from the list here - ( XXXX ) State ID Card ( XXXX ) Pay Stub. 

I recieved another notice by mail on XX/XX/24 about Proof of Address Unacceptable File Number XXXX
Product: Credit reporting or other personal consumer reports

i was surprised to see all of these accounts on my credit report that werent mine i discovered that someone stole my identity and tried to obtain medical coverage in my name the following account are : XXXX XXXX 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX - 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

Cash App has blocked me from adding Cash to my Cash app card. I can't deposit checks w/ my phone. I can only add money from another linked bank account. Yet they let me borrow money which is paid back early & borrow limit keeps going up. But paying is getting difficult with them blocking means of adding funds to the account. CS can't tell me why there is a block or who placed these blocks or how to remove the block. Just says " NOT ELIGIBLE '' no explanation or ways to restore it. A business tried to refund my account which i paid with cash app card. Refund didn't come thru on cash apps end. Blocked by cash app! NOW, WHEN I REACHED OUT TO CASH App FOR customer service " CHAT '' ... .IT SAYS NOT ELIGIBLE ( TO CHAT!!! ) How can u not be able to talk w/ a agent of a financial institution????
Product: Checking or savings account

I am writing this complaint to formally request a resolution of my fraud claim with XXXX XXXX XXXX. Ive been a victim of fraud and discovered the fraud when I tried to apply with Navy Federal Credit Union in XX/XX/XXXX online, the system stated that I already had an account with Navy Federal Credit Union and to call customer service. I called customer service and a representative stated that there was an account in my name opened around XX/XX/XXXX and is in default, which I wasnt aware of. Then the representative assisted me with opening a fraud claim, she then stated to me that someone in the Security Department will be contacting me. 

On XX/XX/XXXX, I spoke with XXXX XXXX in the Security Department, there was several questions which I answered, I then verified that the Drivers License number on file was incorrect. After speaking with XXXX XXXX, I then proceeded with a police report as well as an Identity Theft Report with Federal Trade Commission ( FTC ), I made a copy of my Drivers License and faxed over the ID Theft report, police report and Driver 's license to XXXX XXXX in the Security Department with Navy Federal Credit Union. I was shocked and upset that XXXX XXXX sent me a correspondence on XX/XX/XXXX and stated that there was no error. I felt my claim was convoluted due to the fact that I was n't complaining about an error, I was complaining about fraud involving my social security number and identity. To my understanding XXXX XXXX never investigated fraud because if he did, he would have found that it was n't me that opened the account in the year XX/XX/XXXX. 

After receiving the correspondence from XXXX XXXX I called Customer Service and they instructed to write an appeal. I did so and faxed it to XXXX XXXX XXXX in the Security Department and received no response to my appeal. I have exhausted my resources to try to resolve this issue on my own. I am seeking fairness in this matter that I should not be prevented from banking with Navy Federal due to me being a victim of Identity fraud in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 

These fraudulent accounts are not only damaging my credit, but also causing me significant stress and XXXX  I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial wellbeing.
Product: Credit card

I had a XXXX XXXX XXXX XXXX card, which was my primary credit card, XXXX now uses Barclays/Mastercard. Change over happened at the end of XXXX, XXXX and my XXXX Records vanished. I need my XXXX statements to do my XXXX tax return, they are unavailable for either company. I contacted Barclays in early XXXX ; they said they 'd send me hardcopies but not sign of them. I filed an extension, but I really would like to file.
Product: Debt collection

XX/XX/22 I went to an in-network dermatologist. Two biopsies were taken and sent to a lab. I received a bill for {$1100.00} for that labwork. I wrote two written appeals disputing the lack of coverage from my insurance company ( XXXX ) and had numerous calls often over an hour long with their " advocate team ''. Unfortunately, I don't have those dates. The last thing I remember hearing was the latest appeal would be processed. I never heard back. This was in XXXX of 2022. 

Today, I received a notice fro XXXX ( credit bureau ) that I have an {$1100.00} bill in collections. I never received any notice from my insurance company, the collections agency or the lab ( XXXX XXXX  XXXX XXXX ) that this bill was going to collections after submitting the disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

An accordance with the Fair Credit Reporting act 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: Mortgage

I have had XXXX for my mortgage for 4 years. Last month, they switched over to XXXX XXXX. My payments were always {$1600.00}. Payments were up to date with XXXX. 

XXXX XXXX sent me my first statement in XX/XX/XXXX up-charging me {$480.00} additional. My initial call was XX/XX/18 to see where the additional charge was coming from. No-one that I spoke to for several calls could tell me the reason for the up-charge and where that money is coming from. I paid the overcharge to avoid late fees and so they would not hurt my credit. I have called over 8 times in a months time period and still have not received any answers. On XX/XX/18 with my initial call I requested an escrow analysis which I was told would be complete in 2 weeks. As of XX/XX/XXXX, the analysis is still not completed which is 6 weeks later. I have provided XXXX with all proofs of House insurance and Tax information. It has been over a month of phone calls, email, and sending them proof and I still can not get an answer to where this additional payment they want every month is coming from. 

I am also receiving 2-3 robo calls from their company daily to refinance or to take out more money in a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

contacted credit bureaus in XX/XX/2019 because I was denied a bank account with XXXX XXXXXXXX XXXX XXXX. The bank told me that my birthday was wrong -- XXXX. I was born in XXXX. I faxed a letter and a copy of my STATE ID, SOCIAL SECURITY CARD and no response and no updates.
Product: Checking or savings account

On XX/XX/2023 I deposited a check for {$33000.00} into my bank account at JP Morgan Chase Bank N.A. The check was immediately designated as suspended and I never received the funds. Chase has been in possession of those funds for almost 3 months and I really need them to avoid financial distress. 

On XX/XX/2023 my bank account was closed entirely without any communication or notifications from Chase to inform me that my account closed and I never received the money. Initially I thought I had been robbed and hacked by someone. 

The check was issued from the XXXX XXXX XXXX ( their bank account is with XXXX XXXXXXXX XXXX  ). The check was placed into a Suspended status from Chase, while Chase attempted to validate that the check. The check was processed by Chase and the funds left XXXX XXXX XXXX  account ( but I did not receive anything ) The method Chase is using for validation is to pull the information of XXXX XXXX from a database with a company called XXXX. Chase has attempted to use XXXX to retrieve a corporate phone number associated with XXXX XXXX. Unfortunately, XXXX has not been able to produce a valid number for chase to use. 

Thank you, XXXX
Product: Student loan

I contacted Navient regarding XXXX private loans on XXXX XXXX, 2015, I called in to the Navient customer service line and was advised by representative XXXX that I was eligible for revaluation of my monthly loan payment amount, due to recent change in income due to health related events. She advised me to call back in on XXXX XXXX, 2015, after my payment due date of XXXX XXXX, 2015 and request a revaluation of finances in order to decrease my monthly payment amount. She also offered to give me a call on the XXXX XXXX, 2015 at XXXX in order to assist me with the revaluation of finances. 

When I did not receive a call from this representative on XXXX XXXX, 2015 at XXXX, I called in and spoke with representatives XXXX and XXXX. They XXXX explained that I was misinformed by representative XXXX and that I was not eligible for loan payment recalculation and any that any possible payment that I make, below the past due amount for the month of XXXX, would not bring my account back to current status. 

I have since contacted the Navient advocate department via phone on XXXX XXXX, and requested that my call with representative XXXX be reviewed and revaluation of finances be granted do to the misinformation I was provided. Presently my XXXX private loans reflect past due because of this. 

XXXX contacted me late in the afternoon ( XXXX -- she leaves for the day at XXXX, this left me little to no time to return her call ) on XXXX XXXX during my scheduled work hours, I was unable to take her call. She left a message providing me with her extension XXXX, however I have attempted to contact her several times and she remains unavailable, with no option to leave a voice mail message. 

I have sent XXXX several direct e-mails, requesting that she contact me via e-mail as to avoid further miscalled and miscommunication. I have received no response from her, and my account continues to reflect past due amount, putting me in danger of being removed from the payment program, and ultimately affecting my credit score. 

I would greatly appreciate your assistance with resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally financial is falsely reporting inquiries made in my name
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have called experian to correct the inaccurate information on my credit report and I was told it would be corrected. Everytime I've called identity verification is completed before I can proceed so this can not be an identity problem. There are addresses and names I dispute on my report