23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The Southwest Airlines Rapid Rewards Card administered by Chase is practicing very deceptive policies resulting in unexpected interest charges.

If you use your credit card to make any purchases after taking advantage of a balance transfer promotion into this account, ( generally a fairly typical 3-5 % fee up front to gain 12 - 15 months of 0 % interest, ) you then will pay very high interest based on the daily avg balance starting from the moment you make the purchase. There is no longer a 30 day billing cycle grace period. 

This is not stated prominently in the balance transfer offer. It's hidden very far down in the small print and I was totally unaware it would happen. 

More disturbing is that since the interest fees are based on the remaining purchase balance from the billing period prior to the current bill, it's impossible to tell what amount must be paid in any giving credit cycle to avoid interest. In XXXX consecutive months I called Chase to complain and request an exact amount I would need to pay to not have interest charges and each time I was told " you just have to pay all your current purchase charges '' Which is not accurate at all. None of the reps were able to tell me exactly what that dollar amount would be.

Although I paid thousands more than I purchased in the prior month I was still charged interest, " on the purchase amount that wasn't paid in full from the prior billing period '' The senior customer service rep I spoke with today admitted there is no way to tell what your unpaid purchase balance is on the bill, and therefore no indication of what payment you'd need to send to avoid all interest.

I have balance transfers with several other cards, all of which are active for purchases. None of them charge interest during the first 30 days grace period and all of them also clearly indicate an " interest saving payment '' amount for the current bill. Not Chase however.

Very deceitful and unreasonable. Chase refused to do anything about it.
Product: Debt collection

Over the last 3 days I have received calls from my ex-wife, her mother, and her sister stating that an American Express representative was contacting them to collect a debt which I understand is against the law. They are not allowed to divulge why they are trying to get in touch with me. Not only is this defamation of character with are also contacting individuals I'm not even related to. I would like to stop immediately or I'm going to take legal action and I figured this was the best route initially.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 XXXX lied and stated the following were not be reported on my credit report. 

CAPITAL ONE XXXX XXXXXXXX XXXX XXXX CAPITAL ONE AND XXXX were both sent cease and desist letters which ceasing of all communication including ceasing of collections of debts. Proof that XXXX is in violation as well as CAPITAL ONE and XXXX XXXXXXXX XXXX. 

This is FINAL NOTICE to remove stated accounts IMMEDIATELY! 

If not removed I will proceed with civil action as the same violations keep occurring. 

Companies will be held liable for all damages that have occurred from their failure to adhere to the law and my rights!
Product: Debt collection

National Credit adjusters call all day. Even at XXXX. I explain to them that I am asleep and this is inappropriate to call after such time. Not only that but they call from XXXX different numbers. I block all of them and they continue to call from XXXX of numbers. I have asked them to stop and to stop calling from random numbers while Im at work or asleep! They dont want to listen to me so Ill take my complaints elsewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX {$480.00} XX/XX/XXXX XXXX XXXX # XXXX {$14000.00} XX/XX/XXXX XXXX XXXX XXXX # XXXX {$1400.00} XX/XX/XXXX XXXX XXXX # XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$180.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$160.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE REPORTING INCORRECT
Product: Credit reporting or other personal consumer reports

I disputed inacuriacies on my report, however the beurues did nothing to validate the accounts. They just updated the information. Under the Fair Credit Reporting Act ( FCRA ), if a data breach exposes personal information like names, addresses, Social Security numbers, or other sensitive details considered " consumer report '' data, the company experiencing the breach is legally obligated to disclose the breach to affected consumers and may need to provide credit monitoring services depending on the severity of the exposed information ; this includes notifying individuals if their credit card numbers, bank account details, or other financially sensitive data were compromised in the breach
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681n - Civil liability for willful noncompliance A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Product: Credit reporting or other personal consumer reports

THERE ARE SEVREAL THINGS ON MY CREDIT REPORT THAT IS NOT CORRECT XXXX XXXX XXXX XXXX  XXXX {$10000.00} XXXX XXXX XXXXXXXX {$300.00} AND THE CAR I PAID OFF STILL IS SHOWIN UP ON MY CREDIT AS OPEN I PAID THIS CAR OFF AND THIS NEEDS TO BE UPDATED ON MY CREDIT REPORT. I HAVE SEVERAL INQUIRES ON MY CREDIT THAT I DID NOT DO AS WELL. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX PLEASE REMOVE THESE ITEMS FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I was a victim of identity theft in a data breach with XXXX XXXX XXXX. In XX/XX/XXXX I submitted a dispute to all 3 major Credit Bureaus regarding my suspicion of identity theft. I have yet to have my disputes resolve or any feed back regarding this matter & its well over 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a complaint was made to CFPB ( XXXX ) and Regions Bank replied with incorrect information. A moratorium was resolved on XX/XX/XXXX, by XXXX. It was approved and it was indicated that the next payment would be in XX/XX/XXXX. The moratorium was approved for 2 months in XXXX and XX/XX/XXXX. Currently, delays of 30 days are reported for the months of XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. The loan is paid as agreed from XX/XX/XXXX to the present XX/XX/XXXX. In the Credit Agency XXXX, XXXX and XXXX delays are still reported. In the reply from XXXX Regions, it indicates that the moratorium was given for XXXX and XX/XX/XXXX, when the bank has violated its own regulations, since the request for the moratorium was approved on XX/XX/XXXX. It is not possible to give moratoriums retroactively. In addition, they indicate that the account is reported correct from XX/XX/XXXX to XX/XX/XXXX, incorrect information because the error has not yet been corrected in the Credit Agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report. I notice that Equifax is reporting a wrong address for me which is XXXX XXXX XXXX XXXX XXXX TX. I have no connection to this address or have lived here. My current address is XXXX XXXX XXXX XXXX  XXXX Florida XXXX which is currently reported as my former address.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Information here : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which predates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Request for Debt Validation, Assignment Contract, and IRS Form 1099-C Compliance Dear XXXX, This letter serves as a formal request for validation of the alleged debt and compliance with all applicable legal requirements under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Consumer Financial Protection Bureau ( CFPB ) guidelines. 
Request for Debt Validation and Documentation : Pursuant to federal law, I request that you provide the following documentation to substantiate the validity of the alleged debt : 1. Assignment Contract and Bill of Sale : o A complete copy of the assignment contract and bill of sale demonstrating your agencys legal authority to collect this debt. 
2. Permissible Purpose : o Proof of permissible purpose under the FCRA ( 15 U.S.C. 1681b ) that justifies your access to and reporting of this alleged debt on my credit report. 
3. Debt Validation : o The name and address of the original creditor. 
o A complete and itemized accounting of the debt, including the original amount, payments made, interest, fees, and charges applied. 
o Copies of all contracts, agreements, or documents bearing my signature that establish a contractual obligation for this debt. 
4. IRS Form 1099-C : o Confirmation and documentation of whether an IRS Form 1099-C ( Cancellation of Debt ) has been issued for this account pursuant to 26 U.S.C. 6050P. If a 1099-C was filed, please provide a copy. 
5. Verification of Reporting Accuracy : o Confirmation that all information reported to credit bureaus is accurate, complete, and in compliance with 15 U.S.C. 1681e ( b ), which requires data furnishers to maintain reasonable procedures to ensure the accuracy of information they provide to consumer reporting agencies. 
Cease and Desist Notice : Effective immediately, I demand that you cease all communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c ( c ). This includes phone calls, letters, emails, or any other form of contact. All future communication must be in writing and limited to providing the requested validation documentation. 
Demand for Compliance : If you are unable to provide the requested validation and documentation, I demand that you immediately : Cease all collection efforts. 
Remove any negative information related to this debt from my credit report. 
Confirm in writing that this matter has been fully resolved. 
Failure to comply with these legal obligations may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of my states Attorney General. 
Please send all requested information and documentation to my address listed above within 30 days of your receipt of this letter. 
Thank you for your prompt attention to this matter.
Product: Debt collection

When I moved out from this apartment that we were renting, we deliver the keys to the staff in the front desk resident services, they checked the apartment and once that happened they did not lock the door, We took pictures of everything ( including the kitchen countertop ) and weeks later they sent an envelope in the mail saying they will give us back money from the deposit, after that the company that rents these apartments sent us another envelope by mail ( week way after the first one ), stating that there was damage in the kitchen ( we did not do this damage ) since we delivered keys weeks before of this event and took photographic evidence since we refused to pay this debt they passed this to a debt collector ( XXXX XXXX XXXX XXXX  ). I explained to them that I disputed with the apartment company this debt and had evidence that we did not owe anything, they said to me is just {$300.00} and tried to harras me about impacting my credit score for years if I did not pay them. 

I still have the photos and the evidence of the email communications with the apartment complex company when I disputed this fake debt.
Product: Credit reporting

I noticed that there is a wrong address and social security number on my Experian credit report. I also noticed the address for my current employer is also wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an erroneous dismissed bankruptcy that is reporting on my Experian report. I have attached a screenshot of a credit monitoring site, XXXX that shows that the bankruptcy is not reporting with XXXX and XXXX because this account is NOT MINE. 

Chapter XXXX Bankruptcy Dismissed Date Filed XX/XX/2016 XXXX
Product: Debt collection

Lady called with a foreign accent that was hard to understand, possible XXXX or XXXX. This company ( CB Group XXXX ) has called me multiple times and all callers have accents. I have been asked for the ending of my social security number, my full address and full name. She wouldn't share with me the reason for her call unless I shared my personal info. She was forceful and talked over me. Caller would only say that it was on a personal matter and that I was being recorded. They offer to work out a deal with me over the phone for the debt. that I know nothing about. They try the scare tactic to have you pay today and stop collections. I did not share any info, being I have no debt. in question. I have advised her that I would report the call.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this consumer reporting agency has violated my rights under 15 U.S. Code 1681a - Definitions ; rules of construction : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This states that transactions are not included in the report. 

Please remove all late payments from : XXXX XXXX : Account number XXXX This account is paid in full. Please update payment history to paid as agreed never late XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received a letter from XXXX notifying me that my personal information had been compromised due to a data breach. The letter detailed that unauthorized access had occurred, potentially exposing sensitive data such as names, addresses, Social Security numbers, and financial information. This incident raised significant concerns regarding identity theft and the security of my personal data.
Product: Debt collection

Keep getting repeated robo calls from company called ERC. I do not owe any debt, have been debt free for last 15 years, except for 2 auto loans which are paid via allotment. I have even went so far as to go to the ERC web site and filled out form to have them stop calling me but the calls still persist. I am XXXX and wife is XXXX and these repeated calls upset us. I am asking that this company be charge a fine or whatever the legal term is of {$500.00} for each phone call. My FICO score is XXXX and no bad credit in my credit report for last 25 years or longer!
Product: Credit reporting, credit repair services, or other personal consumer reports

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 instruction.

15 u.s.c 1681 A 5 section states no consumers reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 


XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/2022 I attempted to use the PayPal mobile application to delete my personal data and delete my Papal account, however, the mobile application became unusable as I was attempting to input my SMS security verification information. After verification the application kept asking for prompting for additional SMS security verification keeping me in a SMS security prompt loop, preventing me from progressing to close my account. 

On XX/XX/2022, I uninstalled the PayPal app and reinstalled to attempt data and account deletion, and got the same results ( stuck in a SMS security prompt loops. This is clearly purposeful abusive and shady business practice to prevent client from protecting their data and closing their accounts. 

On XX/XX/2022 I logged into the website to attempt data and account deletion. on XX/XX/2022 I received an email stating, " Thanks for letting us know you want to delete your PayPal account data. We've already confirmed your identity. Now, well look at your account history and email you usually within 30 days to let you know the status. '' This implies PayPal won't actually confirm that they will delete my data or promise to remove my data in any way. Again abusive and illegal business practice.
Product: Payday loan, title loan, or personal loan

Pursuant to section 623 ( a ) ( 3 ) of the Fair Credit Reporting Act requirements Freedomplus Financial has violated the FCRA requirements by not notifying the credit reporting agency that this account is being disputed in the comments section of the credit report. Under section 623 ( a ) ( 3 ) Freedomplus is required to notify the credit reporting agencies that this account is being disputed. This is a very serious violation of the FCRA requirements pursuant to section 623 ( a ) ( 3 ) by Freedomplus Financial. I have disputed this account multiple times over the past serval months and the required notice of dispute has never been put or reported in the comments section of my credit report as required. I am providing multiple proof documentation of resent credit reports clearly showing no notice of dispute in comments section on any of my reports as required. I am also providing a copy of section 623 ( a ) ( 3 ) of the FCRA that I am sending in my dispute for Freedomplus Financial review. Freedomplus continue to respond back to me with the generic response stating that they can not review or see any of the supporting documentation provided. How can Freedomplus Financial verify my dispute if they cant review or see any of the supporting proof documentation.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX Balance {$830.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The original complaint, XXXX, sought from Rushmore evidence the borrowers XXXX credit score was below 720 on XX/XX/2020. Rushmore replied on XX/XX/2020, and stated the following : - " On XX/XX/2020, Rushmore completed an assessment and the Credit Score obtained was XXXX. '' - " our servicing system is designed to pull credit scores each quarter from a third party company, XXXX. '' Rushmore is playing fast and loose with definition of " credit score '' in its XX/XX/2020 letter and " XXXX '' credit score in the XX/XX/2020 letter sent to the borrower by recklessly and casually interchanging the two. Interchanging " credit score and " XXXX '' credit score makes the Rushmore XX/XX/2020 letter false and misleading given the following evidence : - On XX/XX/2020 Rushmore provided to the borrower and CFPB a credit score and not the borrowers XXXX credit score as requested in the  original complaint XXXX. Rushmore said it made its decision to suspend the borrower 's HELOC on the XXXX score obtained on XX/XX/2020 - XXXX nor XXXX credit reporting agencies have no record of XXXX or Rushmore inquiry into the borrowers credit profile. In fact the only evidence of an inquiry by Rushmore into the borrowers credit profile was recorded on XX/XX/2020 by XXXX 
- Rushmore purportes the borrower credit score increased by 35 points between XX/XX/2020 and XX/XX/2020. In fact, the borrowers XXXX credit score on XX/XX/2020 was XXXX, the date the borrower received notice of the HELOC retroactive suspension. More importantly, the borrower XXXX  credit score remained unchanged between XX/XX/2020 to XX/XX/2020, at XXXX, when Rushmore conducted its supposed second inquiry into the borrower 's credit profile. 
- Last, the borrower credit profile did not change materially between XX/XX/2020 and XX/XX/2020. The borrower had no ( a ) late payments ( b ) missed payments ( c ) charge off ( d ) collections ( e ) garnishments or ( g ) or bankruptcy.

Rushmore is again asked to provide evidence from its third party vendor XXXX to support Rushmore claim that the borrowers XXXX credit score was XXXX on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit report agencies would not allow me access to my credit report ( XXXX XXXX ) on XXXX XXXX  2017 because I could not match the " correct '' response to the credit lines opened under my SSN because they are fraudulent. I called the support agencies of all 3 companies and have not option for an actual human agent, and have to cycle through long drawn out automated systems that do not answer my concerns appropriately and place a burden on me that it not realistic in-terms of time and lost wages in opportunity cost. I would like this resolved as soon as possible with an actual person or written steps that will actually solve this issue in a reasonable amount of time. I am not sure why the burden is on the consumer who did nothing wrong.