23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I called Chase Credit Card Services several months ago to ask why interest was accruing on my account. I had recently done a balance transfer and was not aware of the implications on my grace period ( which I found out months later ). I was instructed to pay my purchases in full which were stated at the top of the bill. I pay my card on time and typically in full each month. The next several months I paid slightly more then the purchase amount at the top of the bill yet interest was still accruing. I called Chase today and spoke with the rep who clearly did not understand how the statements work - it started with pay your bill in full and after several holds as she needed clarification it continued with the minimum payment goes to your purchases and the rest goes to your balance transfer till finally after over 20 minutes she found out that balance transfers eliminate grace periods. I asked for the interest to be refunded maybe {$75.00} total as I was previously told something different. I then spoke with the manager who should not be in customer service. XXXX of the frustrations is that I was told they are charging interest on a figure that I can not see and that it 's a " long drawn out calculation that is done in the system ''. How am I supposed to know why I 'm being charged something if its not disclosed. After much back and forth with the manager it was clear that she was knowledgable enough to throw out terms but not knowledgeable enough to fully educate the consumer. Having been in finance for years this is not that complicated but the lack of transparency and not being clear on the statements is cause for concern. After much discussion I further inquired about the interest portion on the bottom of my bill and she figured out it was my average daily balance that I 'm getting charged interest on - again this makes no sense as these figures I was told previously by the first rep - ignore those and just look at the purchase amount. The second rep said they were the purchase amount ( no this is at the top of the bill ) and the manager stated this was the average daily balance ( not stated anywhere in the section ). I simply wanted to know what I was getting charged interest on and no one could answer this. When I asked for a refund of the approx {$75.00} of interest the manager said no even though it was my previous communication with the rep that stated I would n't accrue interest if I paid my purchase amount in full. She said they had already refunded my interest once before ( which they did the first time I called to find out why there was interest on my bill ). I 've been a customer for years and the lack of transparency, the lack of understanding on their own products and the deliberate, what feels like deceit, in allowing the statements to be clear about what interest in being charged on and why is incredible frustrating and leaves me feeling disgusted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, US DEPT ED : # XXXX, XXXX : # XXXX, DEPTEDXXXX : # XXXX, DEPTEDXXXX : # XXXX XXXX DEPTEDXXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, Equifax announced a cybersecurity incident impacting approximately 143 million U.S. consumers. The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, driver 's license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers, were accessed. 

On XXXX XXXX, XXXX, I used the https : //www.equifaxsecurity2017.comXXXX website to check my impact. I received the following information : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' As of today XXXX XXXX, XXXX, I have not been able to get any further information from Equifax about the status of my credit, whether my information is secure, how it was released, why I was not informed earlier, or why I am not able to get credit monitoring immediately ( see below ). 

Although Equifax is offering credit monitoring, they have not yet allowed me access. Creating a further problem for me and my credit, Equifax is covering the credit monitoring for only one year. Malicious parties who stole my information can sell this information on black markets and simply wait one year to begin exploiting my data to steal my identity and illegally get credit in my name. 

Equifax did not secure my information with appropriate best-standard practices. My credit and financial life are now at risk and very vulnerable to fraud. Equifax did not properly disclose this breach to me. I learned about it on the news rather than directly - they have my contact information therefore should have notified me directly as their customer. Additionally Equifax has failed to provide sufficient information or protection for me and my credit/financial data. 

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Product: Credit card

In XX/XX/year>, Capital One unexpectedly reduced my credit limit from {$12000.00} to {$5000.00} without prior notification. I have consistently managed my account responsibly, making on-time payments and maintaining a good credit score. This sudden and unexplained reduction has caused financial inconvenience and has impacted my credit utilization ratio.

I contacted Capital One to address the issue, but I was not provided with a satisfactory resolution. This decision has negatively affected my financial flexibility, and I believe it is unfair to penalize a responsible customer. 

I am requesting that my credit limit be restored and increased to {$15000.00} to align with my credit needs and responsible credit behavior. I urge the CFPB to assist in resolving this issue with Capital One and ensure that such actions are made transparently and fairly in the future.
Product: Credit card or prepaid card

My best buy Citi visa had fraudulent charges made to it on XX/XX/XXXX in XX/XX/XXXX. I was contacted by Citibank Best buy regarding the fraud activity on XX/XX/XXXX. I worked with a best buy citibak XXXX  on that date to identify the fraudulent charges. 

It is now XX/XX/XXXX I have filed a separate police report about the issue. Citibank Best buy has no record of my fraudulent report from XX/XX/XXXX made with their rep. The fraudulent charges remain on my account without the ability to dispute them. I was able to get a shipping address from one of the merchants that I included in my police report. 

The merchants themselves were able to identify that the charges were fraudulent in some of the cases and reversed the transactions Because of inconsistencies in the IP addresses and the shipping addresses or something. 

I basically filing this report because I have already gone through the fraud dispute process with XXXX XXXX  Best buy Citibank and they have no record of it I contacted them again today on XX/XX/XXXX, but I now have extreme distrust in the process and just want to make sure that I'm not getting screwed over in the scenario.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, 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 & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction ) on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 


P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Checking or savings account

I received a text message and an email saying that my account will be closed. I called the compliance team and also spoke with the executive group complaint committee and was told both times that chase has the right to close any account without giving a reason at any time. If they close my account, I was told that I am no longer allowed to bank with them so I really want to fight this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My current credit report is stating that my payment history is reflecting a late payment from the company KIKOFF. This information is incorrect. My payments have been on time each 30 day period. This information reflects my credit activity incorrectly and now is prohibiting me from closing on my first home. This account needs to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is reporting a charged-off credit card balance on my credit report for {$4800.00}, however this account does not belong to me. A long time ago, I may have been an authorized user on this account, but I have not been one for quite some time now. I have notified XX/XX/XXXXof this fact multiple times over the last couple of months. This account does not belong to me, and I am not responsible for the repayment of this debt. And futhermore, again, I am not an authorized user on this account, and it should not be on my XX/XX/XXXX credit report. I demand that this account be deleted from my credit profile immediately.
Product: Credit reporting or other personal consumer reports

MY COMPLAINTS ARE BEING DENIED AND CLOSED WHICH IS AGAINST THE LAW By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers / Credit Reporting agencies of the following accounts XXXX/DOFED ACCT # XXXXFRAUD/REMOVE XXXX XXXX ACCT # XXXX FRAUD/REMOVE XXXXXXXX ACCT # XXXX FRAUD/REMOVE XXXX  ACCT # XXXX FRAUD/REMOVE XXXX  XX/XX/2023 XXXX FRAUD/REMOVE XXXX XXXX XXXX XX/XX/2023 XXXX INQUIRY : XXXX XXXX XXXX XX/XX/2023 FRAUD/REMOVE XXXX XXXX XXXX XX/XX/2023 have violated my rights. according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "
Product: Vehicle loan or lease

I applied for an auto loan at XXXX to purchase a vehicle and received financing from Santander Consumer USA for a loan amount of XXXX. I put down {$800.00} and traded in a XXXX XXXX XXXX that was worth {$6400.00}. I was only given $ XXXX for the trade in value that was used to pay off a title loan at 17 %. XXXX issued financing from Santander Consumer USA at the rate of 26 % for 73 months. The salesman stated the rate is not negotiable. I could not speak with Santander Consumer USA. I believe there were incentives to the dealership for this exorbitant interest. I have made 15 payments since XX/XX/XXXX and the loan amount is {$19000.00}. I believe ECOA was violated. I was unfairly treated when issued this higher interest rate. I was discriminated against because of my sex and race.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent an alert from Experian that my credit score decreased by 25 points. Called them to find out why, and they were unable to tell me and said any information they give me would be considered financial assistance and they are not allowed to give that kind of information. They had no explanation except to guess that because I have a home mortgage and that could be the reason. I have always had a home mortgage, and asked why now after all these years would that decrease my score ( which was over 800 ). My wife 's score was higher than mine originally ( XXXX ) and hers is even lower than mine! They also had no explanation for her score being lowered so much. They said to go their website to their " simulator '', but you can not go anywhere without solicitation to purchase this or purchase that and never end up at simulator. It is also impossible to get through on their customer service number because it is all automated. So had to call dispute number. Please let me note that I have NEVER been late with any kind of payments, have no outstanding balances -- always pay balance down before due, as does my wife. My main complaint is that the I did not, nor does the public ask them to monitor me ( us ), but if they do and are treated unfairly, they need to explain and give a reason. They were unable to. They offer a " Raise your score here '' but only if you give them more information that you do not want to give. And if they are able to raise your score, why don't they???
Product: Credit reporting, credit repair services, or other personal consumer reports

I talk to a unknown representative around XX/XX/2019. She refused to confirm name and why she was reported negative accounts on my credit bureau report when her company is not bonding to collect debt in the state of Texas. The unknown person hung up when I advised her that she was illegally reporting a debt on my credit bureau report. This company in questioned named Credit System has 3 different accounts on my credit and they're not legally bonded to collect debt in Texas.
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 Number # XXXX, Account Name : XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX  XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX, Account Number # XXXX Account Name : XXXX XXXX, Account Number # XXXX and Account Name : XXXX XXXX XXXX, Account Number # 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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Product: Checking or savings account

I am dealing with a case of identity theft, in which my personal information was stolen and my bank accounts compromised. After discovering the fraud, I promptly reported it to my bank, who then deactivated my debit card and provided temporary credit while they investigated. However, despite these measures, the scammers still managed to access my checking account and ultimately withdraw {$30000.00} in credit issued by the bank. 

Now, the bank has completed its investigation, concluding that no fraud occurred, and is demanding that I repay the full {$30000.00}. This outcome reflects, in my view, serious misjudgment on their part, given the security lapses that allowed this theft to happen. I would greatly appreciate any assistance or advice on how to proceed. '' This refined version conveys the situation with a professional tone, clarifies the timeline of events, and highlights your concerns about the banks handling of the case
Product: Debt collection

I am being accused of having a XXXX Card debt that I did n't pay off, so XXXX has turned over the account to another company ; Smith Debnam Narron Drake Saintsing & Myers LLP to harass me. I knew nothing about this, I 've NEVER used a credit card, the name is not even my legal name, now a sheriff served my mom papers where this attorney office is threatening to seize my properties! This is so wrong to do to people! I 'VE NEVER OPENED A CREDIT CARD!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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