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

I have contacted Chase multiple times via phone and email trying to get explanations/detailed calculations on my interest charges. I was charged interest during periods when I had 0 % balance transfer offers and should not have been charged interest, and also could not reconcile the " balance subject to interest. '' ( It should've been XXXX ) I contacted Chase via phone on XX/XX/XXXX and also via email on XX/XX/XXXX, and XX/XX/XXXX. 
I very clearly outlined my request and even attached screenshots. However, Chase blatantly ignored my requests and sent me generic responses stating they charge interest. 

This was a message I sent on XX/XX/XXXX : I am trying to find out why I'm being charged interest on these statements : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I can not figure out where you are getting the " purchases '' amount for any of those statements as they don't match up with anything. Most of my balances were/are 0 % payment plans or 0 % balance transfers. On the XXXX statement I had a charge where I didn't pay the full amount and would expect a slight interest charge on the XXXX statement, but I still can not make numbers match up. Can someone please let me know if your system has an error? And if there is no error, please show me how the purchase balance and interest was calculated on the XX/XX/XXXX statement, ( It says balance subject to interest was XXXX ) and also the XX/XX/XXXX statement. 


Here is their response : XXXX, The balance subject to interest is the average balance carried throughout billing cycle per balance segment : calculated by adding every day 's ending balance and dividing that amount by number of days within billing cycle. That amount is then used to calculate applicable interest charges using its respective APR. The details about how to calculate the interest charge and balance subject to interest rate are outlined on the back of your statement and in the Interest Charges section of your Cardmember Agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was impacted by COVID and applied to forbearance to my primary and secondary mortgage on XX/XX/2020. My primary mortgage had no issue giving me forbearance immediately. However, my secondary mortgage company XXXX claims I did not apply on that date. 

I had applied via XXXX  ( aka XXXX ) website on XX/XX/XXXX and have gotten a confirmation for forbearance. Two months went by with me thinking I was under forbearance like I have had with my primary mortgage until I realized something was wrong and the secondary mortgage was not under forbearance. I called them to try to correct this and they implied they would and I finalized my forbearance in XXXX. 

After selling my property I paid off both loans. However XXXX has reported XXXX and XX/XX/XXXX as 30 days late. If they had not failed on their end, I would have been under forbearance and would not have these two damaging items on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX has continued to violate the FCRA on numerous occassions by knowingly entering harmful information that intentionally harmed my credit file! I was reported on multiple credit reporting agencies by them as a monthly CHARGE OFF with a OUTSTANDING BALANCE from XX/XX/XXXX until XX/XX/XXXX! 
XXXXXXXX XXXX XXXX XXXX SOLD my CHARGE OFF account to the COLLECTION AGENCY to COLLECT the Outstanding Balance who also placed a COLLECTION ACCOUNT on multiple credit reporting agencies during the same exact time to cause me harm and put pressure on me! On XX/XX/XXXX, I settled my collection with for {$370.00} and ( SETTLED IN FULL AND IMMEDIATELY DELETED )! XXXX, XXXX XXXXXXXX XXXX  has written off {$550.00} and placed ( Settled for LESS THAN FULL Balance )!
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 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 card or prepaid card

On XX/XX/XXXX, XXXX imposed an annual fees of {$170.00} included GST {$11.00}.
I called XXXX customer services on XXXX/XXXX/XXXX at XXXX and spoke to an officer named XXXX XXXX , however, she refused to waive the annual fees. I requested to speak to senior manager. However, I did not get a call back within 48 hours as promised by XXXX. I received call from a lady manager named as XXXX. She reluctant to waive the full annual fees and offered me to pay half of the cost although I have been frequently used their XX/XX/XXXXXX/XX/XXXXat XX/XX/XXXX.. I felt very disappointed.
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. 


Account Name : XXXX XXXX XXXX XXXX XXXX Name XXXX XXXX XXXX XXXX XXXXXXXX XXXX5 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

I am submitting a formal complaint against TransUnion for their failure to respond to dispute letters that I mailed on XX/XX/XXXX, and XX/XX/XXXX. In these letters, I requested investigations into inaccurate items on my credit report, including entries for XXXX XXXX XXXX IL XXXX XXXX, XXXX XXXX - XX/XX/XXXX inquiry, and XXXX XXXX - XX/XX/XXXX inquiry. Additionally, I disputed incorrect names and addresses listed on my credit report. 

To assist TransUnion in verifying my identity and address, I diligently included copies of my photo ID, social security card, and a recent bill with my current address. 

Regrettably, I received a response from TransUnion, dated XX/XX/XXXX, indicating that they were unable to process my request because it did not appear to have been sent directly by me or an authorized third party. Despite sending an additional dispute letter on XX/XX/XXXX, I did not receive any response from TransUnion. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a reasonable reinvestigation when the completeness or accuracy of any information is disputed by the consumer. It is evident that TransUnion has failed to fulfill this obligation, thereby violating my consumer rights. 

Enclosed with this complaint are copies of the dispute letters I sent to TransUnion, along with their response and proof of mailing, serving as evidence of my attempt to address inaccuracies in my credit report and TransUnion 's failure to conduct a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  CARD-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2022 I went into Huntington Bank in XXXX, PA ( XXXX XXXX XXXX, XXXX, PA XXXX ) and spoke with I person my the name XXXX. I worked with her that day to close out my checking account because there was fraudulent activity within my checking account from someone getting ahold of my account information/account number. XXXX withdrew the rest of my fund which was between XXXX and XXXX and she closed my account out. Come to find out almost a year later, my account was never closed out until XXXX of 2022 due to fraudulent charges trying to come out. Huntington Bank never contacted and if they did they never left a message to notify me. I want file a complaint and this looked into asap because they let fraudulent payments come out after I closed my account on XX/XX/2022
Product: Student loan

XXXX XXXXXXXX College in XXXX XXXX, Florida charged me an extra {$2500.00} that i didn't owned. I was in my probration period and I withdrew at that time. Also Navient keep raising my interest on that loan also the others. I lost all my income due to the pandemic. I need help. I have exhausted all my options.
Product: Credit card or prepaid card

Got a card at IKEA ( Comenity Capital Bank ) for a kitchen project. I got the card for rewards towards a project that is nearly finished. I have had ~ {$200.00} rewards expire due to delays in production/shipping. Since I can't prepurchase items for my kitchen the rewards just defaulted. 

I received a statement from Comenity in XXXX with {$270.00} worth of coupons that I tried to use in the store in XXXX. They were all printed with the same PIN code and were unusable. I need to make another significant purchase to complete the project and the rewards are still not available to me. I have spoken with IKEA customer service that sent me back to Comenity ( who then sent me back to IKEA ) at least 10 times.
Product: Credit reporting or other personal consumer reports

This complaint serves as a formal notice regarding the unresolved items on my credit report, submitted previously with an FTC report ( # XXXX, XXXX & XXXX ). Despite my efforts, these items have not yet been removed. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), it is your duty to ensure the removal of any disputed items reported inaccurately, especially when accompanied by an FTC report. 

The items below continue to be reported inaccurately, infringing on my rights due to incorrect credit reporting. If these entries are not removed promptly, I will be left with no choice but to involve my attorney to initiate legal proceedings. However, I would prefer to avoid such steps if you adhere to the law in a timely manner. Attached here in this letter a new FTC report ( # XXXX & XXXX ) for reference. 

Please remove the disputed items below, as they were added to my credit report without my knowledge or consent, as required by FCRA Section 605B : EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As outlined in Section 605B ( a ) of the FCRA, you are obligated to delete any disputed items within four ( 4 ) business days when provided with : ( 1 ) appropriate proof of my identity, ( 2 ) a copy of an FTC report, ( 3 ) identification of the disputed information, and ( 4 ) my statement affirming that this information does not relate to any of my transactions. 

Please also note that I do not authorize the use of E-OSCAR or any automated verification methods for this request. I expect your full compliance and confirmation of removal within the specified four business days. 

Thank you for your immediate attention to this matter. I await your response within the stipulated timeframe.
Product: Mortgage

A home with no mortgage was sold to an unrelated party in XXXX 2014. On or about XXXX 2014 Ocwen Loan Servicing posted a Fraudulent Lien listing with XXXX which they continue to refuse to remove. Ocwen has not one piece of paper signed by me as any sort of basis for this " mortgage '' on a residence I no longer own and both the other credit bureau 's have since read the documents and removed it from further damaging my credit reputation. Ocwen continues to lie to XXXX and they continue to refuse to examine the documents which prove Ocwen is a liar.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive. I have never heard of the place. I quickly suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$140.00} XXXX XXXX {$3800.00} XXXX  XXXX {$4400.00} XXXX XXXX {$4900.00}
Product: Credit reporting or other personal consumer reports

I am writing notify you I am a victim of identity theft and a data breach that has impacted my personal financial information. As such I request that you block and delete all account related to the following collection agencies from my credit report, pursuant to my rights under FCRA 605B15 U.S.C 1681c-2 ( a ). 
XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX XXXX XXXX  Account number : XXXX XXXXXXXX XXXX XXXX Account number : XXXX XXXX. XXXX Account number : XXXX
Product: Debt collection

My rights as a citizen and a XXXX vet have been violated under FCRA/FDCPA by Guardian Capital Management. They have reinserted a previously reported debt. I have been advised by my attorney that I am entitled to {$1000.00} per violation in statutory damages and attorney fees. I do not wish to go down that route, but am prepared to do so. 

I am requesting that the CFPB please investigate this matter / Guardian Capital Business Practices. Please see attached correspondence and proof of military status. 

cc : XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has violated the Fair Credit Reporting Act ( FCRA ). They are still reporting a closed/charged off account from XXXX The first date of delinquency was on XX/XX/12. I was harassed and shamed by their recovery department. XXXX, a employee of the recovery department at XXXX XXXX XXXX  also lied about the FCRA and stated that they will not remove this account from my credit reports because the date is actually from the last payment made which is 100 % false. He wouldnt let me speak. He was incredibly rude. I have record of my payment history with XXXX XXXX XXXX which I obtained from a local branch in XXXX, Ohio which clearly shows that my first date of delinquency/late payment occurred on XX/XX/12. After years of mistreatment and harassment from XXXX XXXX XXXX, I only ask that they respect the FCRA and my rights as a U.S citizen. I am not asking for any favors but just that they do the right thing.
Product: Money transfer, virtual currency, or money service

XXXXChecked my coinbase account and had {$34000.00}. No problems or questions XX/XX/year> XXXX-I noticed that there was a " pending '' transaction of {$27000.00} to a bank that was unknown to me and unauthorized. There was still {$7000.00} in my account so I Immediately called Coinbase and they locked my account. I was unable to get into my account from then on and unable to receive emails or phone messages from coinbase. Was on the phone with them for 4 hours and during that time while on the phone, the customer support told me that the rest of the account was emptied WHILE we were on the phone. After 4 hours he advised me that he could not do anything to stop it and there was nothing else to do except wait for an email. I have now been round and round with them for 2 weeks with absolutely no help or assistance. 
XXXXCoinbase attempted to pull money out of my personal bank account which totalled to {$10000.00}. And this was AFTER they " locked '' my account. 

Since this, I have emailed numerous times, can NOT get any help. They Will absolutely NOT take a phone call. They advertise that its the safest platform on the web. I have used XXXX XXXX and XXXX for many years and have never had a problem. My money was safe and I can pick up the phone and call them. This company is a fraud. They sold my information to hackers OR they hacked it themselves. They assured me that my account was locked and my money would be safe. Yet, they still tried to steal money from my personal account. Its all lies and false advertisement. What kind of recourse does a consumer have?? When you take your life savings and trust into people that " assure '' you that your money is safe??? For 2 weeks I cant get any help or assistance. Maybe {$34000.00} isnt much to such a platform but it means everything to the hard working consumer with a family and bills.
Product: Mortgage

Dear Sir/Madam Lender : Better Mortgage First servicer : XXXX XXXX XXXX : XXXX XXXX XXXX 
I bought a property at : XXXX XXXX XXXX, XXXX, PA XXXX, had closing on XX/XX/2023. Before the closing its normal for the lender/Mortgage company to provide closing disclosure several times. During this, I requested during the chat from their website to do not add homeowner insurance in the escrow amount. I will buy my own insurance every year & will provide copy to the servicer. They replied that I need not worry & they will correct later in the process. Based on the same promise, I paid them one time {$880.00} to buy a homeowner insurance for the whole first year. 

Now, after the closing, I came to know that they had not removed the homeowner insurance from the escrow. I let them know about this issue & requested to correct it. First I contacted to Better & they told me to contact the first servicer XXXX. Then I contacted XXXX. They took my complaint & agreed to look into the matter & update me. After several days of waiting they said on call that Lender didn't accept & so they can not do that. 
I again went back to Better. Initially, they pretended as they are not understanding the issue but finally when I escalated the matter, another officer was assigned to look into it. She assured us to resolve the matter & she needs some time to talk to investor & as closing on the property has been already done so I need to sign a new updated document. Now, after more than a month she is again telling me to go to new servicer XXXX XXXX. 
This is just a short description of the issue. Meanwhile, I have to follow each of them, sometimes servicer, sometimes lender back & forth. I may have 20 -30 emails, may have called on phone 4-5 times & contacted them on chat several times. I do not have any record of the chat or call but I can send you email records if you want.
Product: Credit reporting or other personal consumer reports

I watched my credit report recently and there are fraudulent inquirys on my report XXXX  XXXX XX/XX/2024 XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2024 These inquiries are to be removed as this is fraud I did not authorize these.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is purposely disobeying the FCRA 605 ( B ) Laws. Equifax has received all the necessary documents on my behalf to validate my identity being stolen, in relation to a fraud account and fraud inquiries showing on my report. Equifax staff members verbally said they received the documents on XX/XX/2019 and thus far have not blocked the said creditor or inquiries ... today XX/XX/2019 staff member verbally said to me that they just initiated a new dispute for this account.. so what have i been waiting for these past 30days? nothing? ON TOP OF THAT, THIS ACCOUNT HAS BEEN LEFT ON MY EQUIFAX REPORT LONG ENOUGH FOR A NEW BALANCE TO REPORT, THE BALANCE GOES FROM XXXX BUCKS TO XXXX BUCKS, THE THIEF HAS MAXED OUT THE FRAUDULENT CREDIT CARD ACCOUNT AND NOW IT HAS RUINED MY OVERALL UTILIZATION, THIS IS HORRIBLE! And your not disputing the inquiries even tho they've been added into my recent police identity theft report? ... Makes no sense. They are willfully going beyond the legal statute of days having to block all the information resulting from alleged identity theft, not later than 4 business days of receipt. As stated under the FCRA 605B ( 15 U.S.C. 1681c-2 ) They are clearly breaking laws, I have been on phone calls stating the obvious that this is incorrect and i should not have to wait a total of 30days or more for you guys to block these accounts as a valid fraud investigational dispute works differently than the normal disputes. They have totally disregarded the laws morality and my own anguish, so I thus have been forced to keep fraudulent accounts & inquiries on my profile through their own discretion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my XXXX XXXX  and I seen there were some accounts that were not mines and need it removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681 I ( a ) ], these disputed items must be investigated or deleted from my credit report record within 30 days. During the investigation. The items I am disputing must be removed from my credit report as the mere reporting of these items prior to debt validation constitutes collection activity. I am also requesting my name and correct address and telephone number updated every move any other name and addresses and telephone numbers that do not belong to me I have reported my information the OPT in OPT out. The following account in dispute are listed below JEFFERSON CAPITAL SYSTEMS I have contacted them and stated I never paid nor requested items from that company they provided me with a bill which proves I never did business with them it's a bunch of miscellaneous charges I will post document below