23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

To whom it may concern, I am writing to file a complaint regarding the APR on my credit card, which at one point exceeded the range of the offered APR. While I understand that the APR is variable and tied to changes in the federal funds rate, I am concerned because my credit score is currently above XXXX, I have never missed a payment, did not carry a balance on the card for many months, and have payed off in full when utilized.

Initially, my APR was around 23 %, which was at the lower end of the offered range. However, it recently increased to the maximum APR, and at one point, it even exceeded the highest offered APR. This makes me believe I may have been incorrectly penalized at some point.

Unfortunately, when I reached out to Chase, I was told that no resolution was available and that there was no additional information I could receive. I was instead provided with the corporate offices mailing address.

I would appreciate it if this matter could be thoroughly investigated and resolved, as I believe I have been unfairly assigned an APR that exceeds the offered range for someone with my credit profile. Ultimately, what I am concerned about is the lack of oversight in calculating customers creditworthiness and the predatory nature of misinformation being provided by Chase.

Thank you for your attention to this matter. Updates on how this is being handled would be greatly appreciated.
Product: Credit card

I have a credit card with Chase bank for XXXX - XXXX XXXX. Online billpay was setup with XXXX XXXX XXXX, and the option to not send paper bills is enabled through that interchange. Chase for a period of 2 months did not send electronic bills, sending account into collections. The Electronic Data interchange ( EDI ) between XXXX XXXX XXXX and Chase is setup in a Push method - Chase has to send them bills. So all Chase needs to do in order to collect late fees and interest is not send bills, which they did in this case. I paid the balance and closed the account. Today I received an electronic bill for another fee related to this issue, and I received it via XXXX XXXX XXXX. So, this issue was entirely manufactured, and I can trust it has affected other electronic banking users.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to access my Transunion account since XXXX, 2019 without any success. This is the error message I keep receiving : " Your TransUnion Credit Report Freeze status is currently : UNKNOWN '' I have followed all of the directions from multiple departments and still can not get any help to resolve this matter. I even checked with the Social Security Department to make sure my name was correct to rule out any possible errors associated with my SS #. Transunion Support Team also, keep claiming that there is an error code # XXXX ; which is a faxing code error and that there are now multiple files associated with my User ID. Even with deactivating and creating a new profile twice did not resolve the ongoing issues. I need someone in Technical Support who can research this matter so, that I can have access to my Online Transunion Account.
Product: Credit reporting or other personal consumer reports

I would like to notify the credit bureaus AGAIN that I was a victim of identity theft and that I would have these bogus items removed from my credit file as a result of the alleged identity theft. CREDIT BUREAUS are obligated by FCRA 605B ( 15 U.S.C. 1681c-2 ) to REMOVE any items specified in Identity Theft. HERE IS THE LIST OF ITEMS THAT I WANTED TO REMOVE AGAIN! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was having a problem paying down my CC I called Capital One and asked them to work with me and set up a payment plan. 
They set up automatic payments that they pull from my bank monthly and they are till reporting me late to the bureau I have called numerous times and asked for a letters saying I made my payment and to please assist with this problem
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to dispute a credit inquiry conducted on XX/XX/year>, related to an automotive transaction at your dealership. 

During my recent visit to XXXX XXXX XXXX XXXX I did not authorize a credit inquiry beyond the terms of my prequalification offer. However, an inquiry was conducted without my explicit consent. 

To address this issue, I kindly request the following actions : Verification of Authorization : Please provide documentation demonstrating my authorization for the credit inquiry conducted on my behalf.

Removal of Unauthorized Inquiry : If it is determined that the inquiry was unauthorized, I request the immediate removal of this inquiry from my credit report. 

Preventative Measures : Implement measures to ensure that all credit inquiries are conducted only with explicit customer consent in the future. 

I appreciate your prompt attention to this matter and request a resolution at your earliest convenience. Please contact me at the above-mentioned phone number or email address if you require any further information. 

Thank you for your cooperation in resolving this dispute. 

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

USAA is reporting accounts on my credit report that they no longer own and have sold to collections. These accounts should be removed from my report.
Product: Money transfer, virtual currency, or money service

It is now over 6 days since CD matured. Called bank XX/XX/19 & was told that they understood money was to be sent to my credit union.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft.Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I wanted to reach out to let you know about some things on my credit that I know nothin about. I was buying to buy a house for my family and couldnt because of the things on there not mine. Please remove them from my credit. I contacted the police and file a report with the FTC. I'm doing this on my own behalf. The accounts are XXXX XXXX, XXXX XXXX, GA XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and some account that dint have a name but the account XXXX. Thanks for you help with this.
Product: Credit reporting, credit repair services, 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 Account # XXXX, Account Name : XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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, credit repair services, or other personal consumer reports

I never applied for this companies, never received benefits. 
I didn't sign any contracts or agreements with this companies.
Product: Credit card or prepaid card

When activating a new Apple Credit card you bring your XXXX near a spot on the mailer and it automatically activates the card. Apparently this also ( without asking ) adds your account information to allow Apple to charge this new credit card during any Apple purchases. In my example the card information was added automatically and was then charged for the monthly cost of additional Apple cloud storage space even though I had previously only authorized a different card to be charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

i came apon checking my credit for accuracy and found out my personal information has been used to open medical acounts and other accounts of some sort without my permission I was advised to fill out this form
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Current Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

I reached out to Experian after finding a fraudulent account from XXXX XXXX. They haven't removed it even though I told them about it on XX/XX/2021 and again on XX/XX/2021. I am being harrassed illegaly by XXXX and I want this to stop. This has not only damaged my financial character, but is causing unnecessary XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again in regards with the account listed below to inform you that I am the one disputing this debt. I have a loan with XXXX XXXX XXXX XXXX I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. This is a good standing account. Please verify that all information are 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Ive disputed it with TRANSUNION & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617. Please update to PAID AS AGREED/NEVER LATE. 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

I Received a loan through SBA And used the wrong account. Chase is holding my funds because is a personal account thats is closed now. The amount chase is holding is XXXX. 

This has been a issued since XXXX XXXX I need my money to go to my business account
Product: Money transfer, virtual currency, or money service

I initiated two withdrawals to my bank via wire through Coinbase because I wanted it " instantly '' and paid the fee to do this. One was for {$410.00} one was for {$250.00}. Estimated payout was XXXX and this transaction was initiated on XXXX. The sell history on Coinbase says " completed '' but I never received the funds to my XXXX XXXX account. I contacted support several times and filled not one but two tickets. I also contacted a Coinbase representative on XXXX and he said to be patient but again no progress whatsoever. This is wrong and illegal to be holding someone 's money like this. I still do not have my money or any answers.
Product: Credit card

While requesting my statemts from a prepaid XXXX card, someone sent me partial records of a credit card I had when I was much younger, XXXX  years ago. That was closed in XXXX. XXXX on top of the stack of papers was XXXX month in XXXX ; showing {$500.00} in and {$500.00} out same day. Frankly I wasnt concerned about that, as I was more intent on my initial search. But before I could say anything when I called in about it, the lady said I bet youre wondering where that {$500.00} went arent you? I really wasnt, but at this point I replied yes. She preceded to tell me that a savings The account was automatically open with these type of accounts and thats where the money was held, and she was going to look into where it went. She told me to go see a banker at a local branch. Which I did the local banker said they wrote me a check. I said thats great. I really dont recall getting XXXX, but can you check for me to see if it was cashed. He said yes and he would get back with me and put it into my current account if that was the case. I never heard back, so when I asked again, he said that it had been revoked. I dont even know what that means. It was a prepaid card couple months later while looking into some other accounts and asking more questions. The bank sent me XXXX years worth of bank statements. It took me quite a while, but I found the XXXX dollars supposedly they came out of my account the day. I opened my business account. I absolutely did not transfer {$500.00} to an account that I thought was closed XXXX  years. anyways, after speaking with a representative at the XXXX XXXX XXXX XXXX, they assured me the account was closed. After I relayed to him. when I call, theres options for credit card and prepaid card yet I dont have either. He said disregard. So when I hung up, I called him and I hit an option to {$10.00} on the credit card. XXXX and behold it worked and then I sat back and watched that {$10.00} was transferred XXXX more times to different accounts without my involvement whatsoever. Now I am receiving statements for credit card as if its back open again without my authorization. 
This is the same card that was put on my credit report years ago. But if you look closely, top of page my last statement says account ending in XXXX which is correct but at the bottom of the page they changed the account number. This just happened.
Product: Mortgage

We had a written approval to close XXXX/XXXX/16, shortly after receiving it we learned there was second lien. We asked several times prior to XXXX/XXXX/16 for an extension to deal with the other lien. We were not able to get in contact with the negotiator or receive any movement on our request at all. We need an extension, so we can resolve the XXXX lien and close the short sale.
Product: Money transfer, virtual currency, or money service

I have used Zelle transfers to send and receive money countless times since 2017. There was never full disclosure for the risk of sending money to the wrong person.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I transfered {$82000.00} to coinbase from the same account I had originally registered with. On XX/XX/XXXX at XXXX XXXX, I sent an email to coinbase support asking why twenty days had passed since sending the transfer and it still did not reflect in my coinbase account. On XX/XX/XXXX at XXXX, they answered " I was able to locate the deposit however we can not accept the wire since it is under a business name ( the same business account which was used to deposit all the previous transfers to coinbase ), the wire will be returned. I am still waiting for the transfer for a month now. I have read of many others experiencing this same issue for even longer periods of time. This money is required for my day to day expenses and will be hinderin meeting my families financial responsibilites if not returned soon
Product: Mortgage

Loan was with XXXX XXXX XXXX first, was transferred to Nationstar Mortgage now Mr Cooper ( see balance reduction letter XX/XX/2012 ) was transferred in process like so many other people! Faxed plenty of times always missing something even with proof of fax! Bank wont honor letter and always refute a complaint even when you have proof! Do the right thing i guess is not what banks do!
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I looked at my XXXX, credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

There was a glitch in the system. These inquires were added back to my report.
Product: Credit card or prepaid card

I opened a dispute on XX/XX/XXXX with Citibank, N.A ( Case # XXXX ). that Citibank did not post a {$3400.00} refund by XXXX XXXX to my credit card on XX/XX/XXXX because of a cancelled cruise ( Covid ). I made a final payment for the cruise of {$3600.00} on XX/XX/XXXX for a total {$5600.00} charged for the cruise to XXXX XXXX. 

The following refunds to my account occurred on XX/XX/XXXX. 
XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX FL - {$110.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX FL - {$110.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX FL - {$240.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX FL - {$240.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX FL - {$240.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX FL - {$240.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX FL - {$240.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX FL - {$240.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX FL - {$520.00} Total XXXX But the {$3400.00} amount part of a trace number XXXX was missing. XXXX XXXX has confirmed that they released the refund of {$3400.00} as well but Citibank did not post it to my Credit card account. The Citibank dispute center released a document from XXXX XXXX confirming the {$3400.00} amount was refunded from XXXX XXXX 's bank to Citibank reference number XXXX. Citibank keeps trying to say the XXXX of refunds was part of the {$3400.00} even though XXXX XXXX has confirmed it is not on the phone and in writing. 

In XXXX, Citibank added {$1100.00} to my account for an unexplained reason. The dispute center has started telling me just wait 10 more days for 4th time in a row without providing a written update or cause. I have paid Citibank to cover amount not returned to my account. I last spoke to Citibank on XX/XX/XXXX and they said they still need to contact the merchant again.
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns regarding several issues I have encountered with the credit bureau. These include inaccurate account listings, erroneous credit reporting, billing discrepancies, and accounts that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.