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

Dear XXXX XXXX, I have a credit card with XXXX  XXXX. I made payments on time, but after XX/XX/XXXX payment, I had a hardship. I miss some payments. On XX/XX/XXXX, I contact XXXX  XXXX and talk to a representative about my credit card trying to take it out of the red. Well, the representative helps me in the wrong way. Instead of me paying a {$170.00} in XX/XX/XXXX and {$30.00} in XXXX and leaving a XXXX balance that I owe because it was {$35.00} instead of {$30.00}. There was a balance credit before I made that {$30.00} payment on my XXXX  XXXX card while still in the store I try to make a {$3.00} purchase on my card and it declines. I was upset and embarrassed at the same time. My XXXX  started to hurt while in XXXX XXXX store. I went to see my doctor the very next day. This have became to be unhealthy for me. After making payments I was told that I can't file for hardship, because my account is in good standing and I don't qualify for hardship. I miss 6 payments, because I was sick and lost my job. Why didn't a representative tell me about the hardship program, before a family member made this {$170.00} payment for me. I'm still lockout of my online account online and card. I just talk to a hardship representative today, XX/XX/XXXX at XXXX in central time and was told that I dont qualify for hardship anymore because my account is in good standing. 

Sincerely yours,
Product: Payday loan, title loan, personal loan, or advance loan

The described loan and interest involved wasn't fully disclosed verbally when I took out the loan, I was reviewed into believing that my payments were applied to the principal which weren't., I have already paid XXXX $ on XXXX, and they keep rolling it over, I am unemployed, trying to retire, and am barely feeding myself. I'm in dire straits and it is a burden on my wife, and myself I have nothing, I can't even pay my property taxes, which is another predator y loan, I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

one inaccurate and fraud account name ( opportunity finance ) has been reporting under my name under my XXXX credit reports, it is under loan accounts, i have never had a loan that i have not paid, this is inaccurate and fraud account reporting under my name, please have this inaccuracy removed from my XXXX credit file thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX  has violated a few consumers laws in regards to my credit report. I have asked XXXX XXXX  to vary my address because I have not received any information on my account and they are reporting late. My address is also incorrect in their system. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I want to move into an apartment I can not get approved bc of the inaccuracies on my consumer report. They have violated 15 USC 1681s-7 ( A ) ( i ), 15 USC 1681a , and 15 USC 1666B . The accounts are also closed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is 30+ mistakes on my credit report! I have highlighted the mistakes. I have also sent 3 dispute letters but there has been no change! I have attached all documents. Thanks.
Product: Checking or savings account

My CD funds of {$19000.00} matured on XX/XX/2023. I called phone customer services three times to close the CD account and transfer the fund to my checking account. They kept transferring to different department and even hung up on me not to make me withdraw the balance. The bank website and customer services are terrible. They do their best not to close any accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one bank lists a credit card account with multiple accounts with the actual opening of card on XX/XX/XXXX ( # XXXX ) credit limit XXXX with high balance of XXXX, updated on XX/XX/XXXX ( showing date closed XX/XX/XXXX ). Credit limit increase to XXXX ( # XXXX ) on XX/XX/XXXX with a carry over balance of XXXX. ( date closed XX/XX/XXXX ) Acct : XXXX shows a high balance XXXX on XX/XX/XXXX without credit limit info. XX/XX/XXXX ( # XXXX ) shows a credit line decrease of XXXX with high balance of XXXX four years later! There are no late payments or fees involved and clearly this is erroneous.
Product: Debt collection

sent certified letters to all agencies requesting validation of debt. waited over 30 days and to date no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

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

Experian in their dispute process, is by all accounts lying about verification processes in order to continue reporting for profit. Their refusal to investigate because they had already investigated an items, isn't with merit, when creditable evidence exist that the reporting is wrong, I furnished that creditable evidence and they still ignored its. 

Recently it was found that some person or entity was using an old address of the consumer, and applying for a credit card from XXXX XXXX, and XXXX XXXX, which utilized a Experian report, and ultimately Experian reported the item to my credit, which is subjected to an investigation, upon which it was noted that the social security number of XXXX wasn't this consumers social security number. 

Now in reference to the reported Bankruptcy reported on this consumers credit report, from XX/XX/2014, the credit reporting agency stated that it was verified as belonging to this consumer, while XXXX stated it wasn't and in addition to this additional information, their isn't any manner of verification that they can stand on that it doesn't belong to XXXX, other than this consumer, because all they have is the last four in their reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Balance {$7100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$8700.00} XXXX XXXX XXXX  Balance {$850.00} I am a federally protected consumer who is guaranteed rights and protections pursuant to the FCRA and FDCPA. I provided adequate notice to the Consumer Reporting Agencies ( Equifax, XXXX and XXXX ) that information in my consumer file that I the consumer has identified as information that resulted from an alleged identity theft pursuant to 15 U.S.C. 1681c-2 and provided all appropriate documents as requested. All furnishers of the identified information that resulted from alleged identity theft was on my credit report also received appropriate notice. The FCRA has Prohibition on Sale or Transfer of Debt Caused by Identity Theft pursuant to 15 U.S.C. 1681m ( f ) and 15 U.S.C. 1681s-2 ( a ) ( 6 ). The company has placed a account on my consumer report that was reported as a resulted of alleged identity theft evidence by an FTC identity theft report and a police report this incorporate as apart of this complaint. The Consumer reporting Agency also has a duty to notify me the consumer in written of the reinsertion of any previously deleted information from my consumer file no more than 5 business days after the reinsertion. I HAVE NOT BEEN NOTIFIED. There actions has result in me the consumer suffering embarrassment and emotional harm when i was denied an extension of credit due to your accounts been apart of my credit file.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute several inaccurate entries on my credit report. Upon reviewing my credit report, I have identified the following inaccuracies and would like to have them investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which mandates the investigation of disputed information within 30 days. 


Incorrect Billing - Creditor Name : XXXX XXXX XXXX  XXXX - Account Number : XXXX - Requested Action : Update account status to " paid on time. '' # # # Request for Investigation and Removal : Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ), I am requesting a thorough investigation into these items and their prompt removal if they can not be validated or corrected. Please ensure that all errors are corrected and that any unverifiable information is deleted from my credit report.

Additionally, in accordance with 15 U.S.C. 1681i ( a ) ( 6 ), I request that you provide me with an updated copy of my credit report reflecting any corrections or deletions made. There should be no fee associated with this updated report.

Please ensure that any relevant parties who have received my credit report within the past six months are notified of these corrections, as stipulated in 15 U.S.C. 1681i ( a ) ( 5 ). 

I look forward to your prompt response to resolve these inaccuracies. Should you require any additional information to complete this process, do not hesitate to contact me. 

Thank you for your attention to this matter. I expect a resolution within the required 30-day period as mandated by the FCRA.
Product: Credit reporting or other personal consumer reports

My information was in some data breaches. Someone scammed my accounts and credit cards
Product: Credit card

HomeDepot Credit card offer a 0 % promotional interest free for 6 months or 12 months. 
However, they don't make it clear that after expiration of promotional balance there will be a carried over of interest on remaining balance. There is no warning or messages before charing such interest as a result leaves consumers rattled with high balance ( interest from 6 month promotional balance ) thus leaving them behind on other important payments. 

In my case total interest charged is interest {$1300.00}. 
{$620.00} is the result of interest tacked-up on the balance after promotional period expiration. 

This is example of misleading/deceptive marketing for 0 % promotional balance. 

I've opened a case for waiving off any interest charged after expiration of promotional period. 
I would request Home Depot to revisit the marketing for promotional offer and offer consumers clear and transparent way of communicaitons, offers, any rules that govern it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE HAD FIFTH THIRD FOR YEARS WITH NO MISSED PAYMENTS OR ISSUES UP UNTIL THE PANDEMIC. AFTER MY CREDIT LIMIT WAS LOWERED WITHOUT ANY CORRESPONDENCE OR NOTIFICATION, I AGREED TO UTILIZE THE HARDSHIP OPTION FOR MY ACCOUNT. IN XX/XX/2021 I WAS MARKED LATE & I CONTACTED FIFTH THIRD IMMEDIATELY. I MADE THE REPRESENTATIVE AWARE THAT I HAD BEEN SICK & ALSO LAID OFF WORK DUE TO COVID. I ALSO WENT ON TO CONVEY THAT I WAS UNDER THE IMPRESSION THAT MY ACCOUNT WAS STILL UNDER A HARDSHIP AGREEMENT. EACH OF THE REPRESENTATIVES I SPOKE TO SAID THAT THERE WAS NOTHING THEY COULD DO. I HAVE A BUSINESS ACCOUNT, CREDIT CARD ACCOUNT & PERSONAL ACCOUNTS WITH FIFTH THIRD & THE LACK OF EMPATHY & CONSIDERATION FOR CUSTOMERS DURING THESE UNPRECEDENTED TIMES IS NO LESS THAN A HEINOUS ACT. I AM TRUSTING THAT THIS MATTER BE ADDRESSED & CORRECTED. IF NOT I WILL BE FORCED TO CLOSE ALL OF MY ACCOUNTS ( BUSINESS & PERSONAL ) AS I REFUSE TO CONTINUE TO DO BUSINESS WITH A COMPANY THAT IS UNETHICAL
Product: Credit reporting or other personal consumer reports

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant XXXX. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Product: Prepaid card

Serve Prepaid Card by Amex Federal Refund : XXXX XX/XX/XXXX State Refund : XXXX XX/XX/XXXX Monthly Fee : XXXX XX/XX/XXXX I received my temporary card in the mail and was able to use it. Then I lost the card and reported it lost/stolen around that time ( XX/XX/XXXX ). Since then I have been calling every week and sometimes more than once a week. They told me I could do a cash pickup through the app at XXXX but that did not work. They keep telling me they shipped a card out but it never comes. They have told me it was an address confirmation. I sent them an email with XXXX forms of mail showing my address. They told me I had to give them my temporary card number to verify my account. I searched for the card everywhere and found it. I gave them my temporary card number, and now they say it will take XXXX  days to verify my information.
Product: Mortgage

Where to start with the issues I've had with Chase Bank since closing on my mortgage XX/XX/19? I'll touch on the latest issue, a loan modification application. As some folks may know, a loan modification isn't necessarily predicated upon financial hardship, but this is one of the several criteria that must be met if your mortgage loan is with Chase Bank. Ok, they're are presumably allowed to set those terms. Not realizing this, I submitted by loan modification application ~XX/XX/19. No problems so far. However, when Chase received my application, they disallowed me from submitting my mortgage payments through my online Chase account. Hmm, why would Chase Bank do this? In a response dated XX/XX/19, Chase claimed it was working on better IT solutions for their customers ( I'm paraphrasing ). How nice of Chase Bank to think of allowing customers to conveniently submit some payments online while the application is being reviewed. Chase responded that I can still can to a local Chase branch, call Chase Bank, or mail a payment. All of these require time, which I don't have much of. In addition, what good reason does Chase Bank have to disallow me from submitting mortgage payments online? Of course, my $ 300k plus mortgage loan is likely accruing interest all the while. How interesting, right? In another email from Chase dated XX/XX/19, I was told in the email that I could email my financial institution information along with the amount and date I'd like to pay toward my mortgage. I responded XX/XX/XXXX that I'd like a payment to post XX/XX/19. Today is XX/XX/XXXX and my payment has not posted and communication from Chase Bank has fallen silent. Also interesting ... 

Here 's the bottom line : Chase has put up barrier after barrier and excuse after excuse to limit the number of people who apply for loan modifications and to make it smooth for those who do. Why? Chase Bank stands to lose money, of course. I get a number of nice-ish emails and calls the week of XX/XX/XXXX from Chase Bank but they have no substance, just empty words from a bank who, in my opinion, doesn't give a XXXX about its customers. Don't do business with Chase Bank if you have other, hopefully, better options. I know I wont again.
Product: Credit card or prepaid card

I already have an OPEN complaint  XXXX  I have finally established the previous  XXXX  that was 'lost/held in limbo ' was due to an routing number error. Not my fault as I used the same mobile payment system as before. Anyway I s ince posted 3 payments in various amounts to check CITI 's payment processing system. So one p ayment for {$23.00} posted within a day of submitting - payment o f   XXXX   XXXX   posted  XX/XX/XXXX  is  as of today was still being HELD. After a lengthy phone call  to 2 ag ents I was informed it should clear by th e  XX/XX/XXXX .  Thats is absolutely ridiculous. Another  XXXX  posted   XX/XX/XXXX  apparently will clear  XX/XX/XXXX .  I do not understand why my card payments are not posted instantly and reflect in my available credit right away. I can understand  a 24hr  wait but days almost weeks is not acceptable.   I have asked them to call  XXXX  and release the  XXXX  ASAP which they are doing as I type. I am in  a 3 w ay call with my ban k and Citi and I am fumin g why if  XXXX  cleared my bank on th e  XX/XX/XXXX    Citi are  not posting it to my avail. credit. They assure me it wi ll ASAP . However why do I have to go through this process.. all because they say a payment was returned - it was n't returned  by my bank CITI returned it. I have now linked another bank just to see if that pr ocesses quicker but apparently not. I just want to establish how to CLEAR whatever issues they have so I can post my payments in future and they are debited against my card and credit within a reasonable time frame, preferably instantly. ( as did the {$23.00} I paid with the same bank and same mobile app ) THANK YOU
Product: Checking or savings account

I use MoneyLion ( a XXXX phone app ) for a checking account and have been a customer for a little over 3 years. I used a credit rebuilding program with them as well as a product called XXXX which acts as a pay day advance for a fee. I lost my job 6 months ago and have had XXXX income. I just got a new job and upon receiving my first paycheck deposited into my account MoneyLion took the entire balance to pay a previous XXXX balance. I did not authorize any such transaction and the biggest issue here is the bank WILL NOT work with in any way. I am a XXXX XXXX XXXX so I use my own money to do my job, this issue happening with me being right at the start of my probation period could cause me to lose my job. Again the problem here is the bank being unwilling to work with me in any regard. I have made payments when I could to this XXXX  balance over the 6 months and have told them I am 100 % willing to resolve this outstanding balance/ have attempted to set up a repayment schedule. The bank has told me there is nothing they can do and will not work with me at all. This outstanding balance is also on my credit report making it harder for me to seek funds elsewhere. My other banks have been working with me during these 6 months. These banking policies have become absolutely ridiculous and when things like this happen the consumer has nowhere to go these banks take advantage of this. In this cause if I lose my new job over this I am curious to know if this party is responsible and if so what could be done.
Product: Debt collection

There is various incident with this company for not presenting the entire options to me but only asking me to pay 82 % when I asked if there was any other option they told me. They have constantly emailed me stating my information will be sent to collection. I expressed on XX/XX/XXXX to the first agent I am not able to make that payment. I told her she can reach on a specific date which she never did, I had to call to follow up and when I did she literally started screaming at me telling her this, not her credit that will be damaged and she does care. This call was recorded I was upset and felt disrespected and the same time. She then apologizes. The information they are presenting is not accurate and they are not being very clear with what they are doing. 

I reached l on XX/XX/XXXX to clarify what was going on. They then mentioned there were various payment plans available this time but this was not stated in my first conversation. After they reported it to the credit agency which drops my score down 60 points. If I knew was making payment before given these payment options my account would have not been reported to the credit agency. I express this to the supervisor here name was XXXX # XXXX, before the called transfer to her there was literally a conversation about me and they had a full-blown laughing fest before speaking to me, how is this professional. She came with these very dismissive attitudes on the phone. I am not sure this agency should be in operation and their practices are not professional at all. I explain all this to her and basically shake it off. When I told her if I was given then payment options earlier which had 3 months / 6months/ 9 months and 12 months. I would not have my scored drop 60points. They are saying even if my account was making payment on it would have still been delinquent? 

I feel like this unfair treatment is how they go about targeting folks. The name of the agency is Account Control Technology Inc. XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried calling all three bureaus and can not get past automated system. I have also tried getting online help with those that allow that and nothing. With XXXX XXXX I can not log into my account and for some reason I am getting message information is wrong and it isn't. I have even reset my password and it still says the information is wrong. Now I can not reset because I keep getting looped back to please enter your social security number. I filed disputes on 6 accounts a while back and have not received any report back or confirmation. On XXXX  and Equifax I was able to log in but these disputes are nowhere on my account or report nor are they in my alerts. I am sure it is so with XXXX XXXX but I can not check because I can not log in nor reset my password. I am tired of dealing with these people.