23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Opened a credit card account with Barclays Gold Card account. I am in the military and the original terms of the credit card included 0 % interest and waived annual account fee for the duration of my XXXX XXXX service. These terms were confirmed to me over the phone. The original XXXX term letter outlined waived transaction fees and 0 % APR for the duration of my service. The letter did not explicitly mention a waived account fee. I did not notice this since it was explained to me by a phone representative that the fee was waived for the duration of my XXXX XXXX service. 

Two weeks ago, I received a notice that the annual fee was no longer waived because it was discovered that I was XXXX XXXX prior to the opening of the account. This is false as Barclays knew my XXXX XXXX start date proceeded the account origination date as evidenced by the attached letters. 

The annual fee is {$990.00} which amounts to an insane APR of over 25 % even if I were to carry a balance of {$10000.00} for an entire year. 

I feel that the initial offer was duplicitous. I would have never opened this account if it were explained that the account fee waiver was temporary. Barclays advertised it as a permanent waiver and even confirmed this over the phone ; however, their term did not confirm this fact in writing nor did it state that the annual fee waiver was temporary. I made multiple purchases with this card under the impression that I would not be subjected to interest or annual fees - Barclays violated the good faith of this deal, and I 'm my opinion, committed promissory estoppel in doing so because my credit will be affected by closing the account in order to avoid huge fees.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I purchased a service from XXXX XXXX XXXXXXXX, for makeup application services of three people for an upcoming wedding on XX/XX/year>. I was scheduled appointments for XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX. After receiving my confirmation text message, I was told I would receive the service location address the day before the appointment. On the day before the appointment when I did not receive the location text message, I called the makeup artist on the number she provided on her website and received a message saying the phone was " not in service. '' However, on XX/XX/year>, I reached out to the merchant via XXXX at XXXX XXXX  to receive the location for services and she responded 23 minutes later. She was very rude and unprofessional and refused to give me the location. After speaking with her about 25 minutes before the first scheduled appointment for service, she refused service stating I could not book for three people. However, her website never mentioned a booking stipulation. I was charged a deposit for three people and gave appointment times for each one of us. She also stated on XX/XX/year> that she had availability for three people, which is why I booked with her. 
She refused services and canceled all three appointments stating she wasn't doing the service because it would cut into her other appointments. But my appointment time had not started yet. She refused to service my daughters and I ; and said she would not provide me with a refund. I explained to her that she canceled the appointment, not me. And I should be entitled to a refund. She stopped responding to my messages and she then blocked me on the social media site. I have disputed the charges with CashApp on several occasions only to be denied shortly after the dispute. I have asked on numerous occasions, what was the reason my disputes were denied, and I was told they didn't have any information to provide. I called their customer service line, where I was talked to very rude and hung up on. I called to speak with another rep and was told to redispute the charges. I have spoken with other consumers who have booked makeup services with the merchant and was told she participates in fraud and scams that take consumers ' deposits knowing she is not going to provide the services. CashApp did not protect me and I purchased service through her website with my CashApp card.
Product: Credit reporting or other personal consumer reports

I have disputed the XXXX XXXX XXXX XXXX account against TransUnion, they are falsely stating the date of the last payment, they are also not providing the date of the first delinquency. That report is not complete, they must investigate and not just repeat what the collection agency tells them. I ask that they be removed from my report until the information is clarified. If the collection agency does not send the information, I am not obligated to pay, precisely because the information is not correct.
Product: Vehicle loan or lease

I went to XXXX XXXX XXXX with an ad to purchase a XXXX XXXX XXXX for {$16000.00}. I was told this was the purchase price and signed documents with the correct purchase price. When I was at the dealership, I informed them that I did not want my credit pulled repeatedly and that I was already financed with XXXX  XXXX. They stated that they could not give me the sale with XXXX XXXX and that they would run my credit with one other company. They ran my credit with 9 other companies. When I left the dealership they gave me a manila envelope which they stated contained the financial documents. A few days later, I received an email from the dealership stating that I needed to pay {$500.00} more. The dealership was unable to explain the purpose for the additional {$500.00}. When I received a copy of my credit report on XX/XX/XXXX, I noticed that PNC listed the loan for {$33000.00}. I contacted PNC to find out why and they informed me that the documents from the dealership provided these amounts. I went to the dealership on XX/XX/XXXX but was informed that the general manager was not there. On XX/XX/XXXX after two weeks of trying to reach the dealership, I sent an email. I went back to the dealership on XX/XX/XXXX to inquire about the mix up. The general manager, " XXXX '' printed a copy of the documents and I noticed that the documents did not contain my signature or initials and that someone had forged a signature that did not look like my signature nor appear to be my name spelled correctly. I informed the XXXX that I did not sign those documents and that there was fraud. He offered to give me {$3000.00}. I explained that it would not resolve the issue of being overcharged by {$16000.00} and he informed me that there was nothing that he could do and that his employees would not forge someone's signature. I did not authorize anyone at the dealership to sign my name. I never saw the documents with the {$33000.00} amount until I obtain a copy of the altered documents on XX/XX/XXXX. I immediately contacted the bank, police, and credit bureaus to inform them of the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Confirmation of the inability of this agency to report timely or accurately! Score was XXXX a day or so ago now dropped even while all of outstanding debts PAID! XXXX XXXX Experian XXXX XXXX XXXX XXXX As of Today XXXX FAIR XXXX POINTS XXXX XXXX TOTAL DEBT {$18000.00} CREDIT USAGE 89 %. How pathetic they do not pull correct balances ndpost. In my opinion indicative of a desire to keep scores low for millions!
Product: Checking or savings account

I came home today with checks that are in my name from TD bank. First I called the company that makes the checks and she transferred me to the bank. was on hold for 40 min. guy answered asked me account number debit card number or my social security number. i gave the account number cause i was sure as XXXX not giving out my social. he claims he would take care of it and transferred me to fraud and i have been on hold for 1 hour. My address is on the checks but my old number is on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reporting closed & paid account as 30 day delinquent.
Product: Checking or savings account

Bank of America opened up a checking account in my name and sent checks to me and a debit card I did not open. 
Constantly sending me false statements of someone else depositing money in XXXX, California useing the account for transaction deposit and XXXX. I have the statement. I have never been in a Bank of America here in NJ. I asked them to close it and they claimed they have but keep sending me statements. If nothing is done I will file a police report.
Product: Checking or savings account

I was charged an overdraft fee on XX/XX/21. I would like a refund.
Product: Credit card or prepaid card

I have been paying my monthly payments on time but because of the covid-19 I couldn't finish pay it in the 12 months free of interest in XXXX I called the bank and they extend for 2 months more but my husband and I got XXXX  and we couldn't complete paying the amount. My credit amount was XXXX and I had 12 months to pay but in XX/XX/XXXX, my balance was still XXXX and the bank is charging me XXXX dollars only in interest. I don't have the money to pay all that, I spoke with the bank to see if They can charge interest only in the amount that I have XXXX because I haven't been working but I still made my payments on time but They want to charge interest on the total amount of XXXX because in the contract I signed it was explained about that.
Product: Mortgage

Our names areXXXX and XXXX XXXX. We have a home equity loan with PNC Bank for the property of XXXX XXXX XXXX XXXX  NJ XXXX, loan number XXXX. On XX/XX/XXXX, we received a letter that the payment system of payment coupons changed to statements and we were supposed to receive a new account with a payment due date of the XXXX  of each month. We would pay during the first few days of the month, but the new system is not allowing us to pay until exactly the XXXX of the month. OnXX/XX/XXXX and onXX/XX/XXXX, we sent our payments, but they were considered as principal payments instead of payment for the month. Therefore, on the XXXX of the last two months we received a call from PNC saying that we did not make the payments and we were delayed.
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.

Unauthorized inquiries on my credit report. 

Account name : XXXX XXXX Dated : XX/XX/XXXX Account name : XXXX Dated : XX/XX/XXXX Account name : XXXX XXXX Dated : XX/XX/XXXX Account XXXX : XXXX Dated : XX/XX/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 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: Debt collection

I have now received a report from my XXXX identity theft protection that XXXX XXXX XXXX XXXX has submitted a Major Negative Deragaroty account on my credit score! They have never sent me proof that I had missed any payments. This debt is XXXX years old and was closed out long ago. This is bad behavior and they will be sued asap if this is not removed because I have my BANK STATEMENTS to back it up. However, I will not submit those bank staements to this very disreputable company that is trying to collect XXXX  DEBT from many former XXXX XXXX drivers. They need to provide proof of this debt which they have never done -- -- Because there is no debt. This needs to be removed ASAP. Please correct this matter now before things get worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX are reporting an incorrect coding of the XXXX XXXX XXXX - account number XXXX. This account is being coded as an XXXX when actually this needs to be coded as an XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.
Product: Credit card

On XX/XX/XXXX, made XXXX purchases in amounts of {$59.00} & {$58.00} for airport food based on the explicit direction of Chase customer service representatives, following the explicit steps they instructed ( must use this Chase Sapphire account in question to make the purchase when the airport prevented access to the XXXX XXXX card benefit ) back in XXXX XXXX when this issue last occurred and was escalated to management. 

Called Chase customer service XX/XX/XXXX to request refund for XXXX charges, as committed by them last time and now following the exact process they claim was necessary to authorize the refund in order to honor their card benefit. At first, they tried to pretend the history did not exist and I misunderstood ( always their initial response regardless of the situation ), but I provided my extensive documentation and history proving otherwise and at this point the representative suddenly acted as if they could not hear me to get rid of me. 

Escalated to Acct Supervisor ( XXXX ) on XX/XX/XXXX and after initially trying to dismiss me and she finally acknowledged the notes from the previous issue and confirmed they would be providing the refunds as a one-time courtesy and should see applied to account within XXXX business days. 

After many months of nothing, but then getting billed for very high annual fees ( {$620.00} ), I called again on XX/XX/XXXX to mention I still never received the refunds that were finally acknowledged by management as something I should have received and the phone representative even acknowledged the notes from the XX/XX/XXXX contact, yet also confirmed no action taken. Instead of offering any fix, especially when requested multiple times, I was just told there was nothing they could do and refused to provide an explanation for why they would not honor the refund that was supposedly even already confirmed and approved. Based on this, I said it does not make sense to continue with this product and requested an escalation to a Supervisor in the Retention Team, which they referred to as the " Escalations for Cards '' Dept. Speaking to Acct SupervisoXXXX XXXX XXXX '' she asked what my issues were and why I was requesting cancellation and in the middle of that, she just dropped the call with no response or any follow up. 

Please help protect me as I feel absolutely powerless for any recourse, feel highly victimized by Chase and their representatives, and they seem absolutely complicit in their abuse with no effort of good faith to even fulfill their own, approved commitments!
Product: Credit reporting or other personal consumer reports

i try to download my credit report for annual report, and XXXX and is imposible the only that give me info is XXXX  but not give me my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$2500.00}.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX {$340000.00}
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & data furnisher ( XXXX ) are not complying with federal law regarding identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

We noticed a new inquire on our Transunion credit report by XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. We contacted a customer service person from there credit card investigations team to investigate the issue as fraud because I did not submit an application for an online consumer loan. This was done during the same time periods as XXXX and XXXX in which are both under review currently as well. The XXXX person over the phone advised me to submit an online Declaration of forgery form, which we did and nothing happened. No one ever contacted us back or sent us a follow up email/confirmation of the submission. I called in on XX/XX/XXXX for a follow up and no one had any record of my submission and advised I submit a new declaration which we did. We followed up on the XXXX and XXXX replied by saying the information submitted was true and no further action was needed. I believe this submission to be a case to be fraud and believe the incident was handled poorly by XXXX and am requesting XXXX to remove the falsely reported loan inquire/information from my credit report. 

Thank you Warmest Regards. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting my five loans under sequence numbers XXXX as being closed with XXXX, Equifax, and XXXX when the accounts are actually open and active. I contacted the creditor and received a letter from them supporting my claims that these accounts are actually active and open accounts ; however they continue to report these accounts as closed with no balance to XXXX, Equifax, and XXXX. This erroneous reporting has greatly impacted my credit score and is preventing me from retaining new lines of credit from other creditors and also preventing me from being able to retain a lease for an apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase bank finance a XXXX truck for me and it was totaled due to flooding Well at end when finished and they gave final amount owed to my insurace company and gap in and it was payed off they still reporting a padt due amount 4 years later and had 8 months lated over due payments after claim was filed!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I filed for bankruptcy in XXXX. Unfortunately since I had a home equity loan that I was and still am paying on it had to go on the bankruptcy filing. I noticed that my payments do not get recognized on my credit report because of the bankruptcy. I have talked to the bankruptcy dept. at Citizens bank and both ladies said not to worry they can see I am making my payments regularly. My lawyer had no choice but to include the home equity loan in the bankruptcy but I would just like the credit bureau to know that I am paying regularly and would love for the payments to show up on my credit report from XX/XX/XXXX going forward. 
From what my lawyer said the only way to correct it now would be to get another loan to pay it off. Unfortunately bankruptcy isn't something that looks good to people when you try to get a loan. As of XX/XX/XXXX to present my payments do not show up on my credit report. I received a print out from the bank that I will include.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is showing in my credit report that Im delinquent on a home which I signed over to my ex years ago. It is no longer in my name and hasnt been for years.Since 2006. I would like this deleted off my account. It is over XXXX. I sent a letter to the company.
Product: Mortgage

Refinancing. On XXXX American Financial Resources provided a loan estimate which indicated approximately {$2000.00} in closing. We proceeded with them. By XXXX written and verbal communication with the lender indicated closing costs of approximately {$1300.00}. 

Three days before close on XXXX new closing documents were provided indicating closing costs of approximately {$7000.00}. 

Lender has been unable to explain the {$5700.00} discrepancy introduced between XXXX and XXXX. Lender attempted to coerce me into signing when I expressed I am uncomfortable with the changes made stating :
Product: Credit reporting

I have not stepped foot into a XXXX. I want to dispute this and take it off my credit reports.