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

I applied for AMEX XXXX XXXX XXXX on XX/XX/XXXX as part of a XXXX % percent and {$200.00} card promotion ( see screenshot below ). This card was critical as I was making a large purchase for me to pay over the promotion period. 

I received the card and charged {$3500.00} on XXXX, I didnt see the promotion apply after checking the charge status from pending to actual charge a few days later. I called XX/XX/XXXX and expressed my concern. I was told that they would check it out and get back to me in XXXX days. I decided to check-in XX/XX/XXXX. I talked with XXXX who informed me it would now be resolved in XXXX and theres no guarantee that the promotion would be applied. I said that would be a problem. She shared that the backoff team would review and it was in process. I expressed the impact to me as I did not budget funds to be able to pay. This would impact my credit and likely AMEX would also not be happy. 

I asked to talk to a XXXX. After waiting, I talked with XXXX who let me explain the situation. I emphasized that I could not pay. He went thru the process which already had been explained to me. I acknowledged understanding that but need to do something else such as cancelling the transaction / card. He informed I would still need to pay which I already expressed wasnt possible. He asked about the vendor cancelling which I dont think is appropriate as it wasnt the vendor or I that caused this situation. I explained that I followed the links and he talked about using promo codes. I explained that I didnt enter, change or select any promo codes. He then went back thru the process. I was frustrated and reminded him that I didnt have the funds to pay. He suggested I do a balance transfer which again furthers my financial burden. He didnt offer any actions that he would take which I expressed wasnt helpful. He then asked, What do you want me to say? Im not sure how to respond to it other than its unacceptable as I have nothing to do with the promo site links and why this is the case. 

The only internal AMEX action he offered, which was not an option, was AMEX internal process with your back office. He then offered to transfer me to the credit office if I couldnt pay I found that very insulting.
Product: Vehicle loan or lease

XXXX  bill pay takes my payments out my account to send to ally financial bank on my auto loan that is paid monthly well when they sent my payment electronically they were provided a confirmation number which means they received it but never posted it to my account now it shows past due and ally financial keeps giving me the run around and something needs to be done because they did receive the payment but they keep on giving me the run around and what they are doing is theft
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I had submitted a dispute to transunion and upon transunion investigation the results came back accurate today ( XX/XX/2023 ). How can the results be accurate? When my whole payment history is missing on my XXXX XXXX XXXX. account on my credit report especially when this account is a Charged off account. But Transunion has put it as a satisfactory account which it is not. Transunion have not done a THOROUGH INVESTIGATION and Transunion have not contacted XXXX XXXX XXXXabout this account so that it can be deleted. This account is not completely accurate as stated in your previous investigation. Therefore according to the FCRA and 15 U.S.C 1681 this account needs to be deleted immediately.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I ordered an updated credit report when I was denied a loan. When I received it, I noticed personal information and questions that were unrelated to me. I've lost my SS and Birth Certificates ; I'm assuming someone is using my identity. In addition, incorrect personal information and fraudulent inquiries were made : 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 card or prepaid card

I received my most recent statement in the mail from Discover and noticed that the interest rate on my APR for purchases had increased from % 9.24 to % 10.75. Today, XX/XX/2022, I called Discover to inquire. The initial representative directed my call to a second representative that informed me that the United States government increased all APRs across the board by % .75. I had expressed concern to her that I did not receive anything in writing to explain why or when my interest rate increased. When I asked for it to be lowered back to the original percentage rate, she transferred my call to a manager. When I expressed my concerns regarding my APR being increased by % 1.51, he told me to watch the news and there was nothing he could do to help me because its the government and Discover has to make money too. He said he would at least look to see if I have any promotional rates, to which there were none. I have not had any promotions because I've had this card for a very long time. He knew this was the case, but told me to check back in 2 weeks to one month. This is misleading information, as he knows I won't have any special promotions.
Product: Mortgage

Hello- I began paying Ditech additional money towards principal beginning XXXX 2016. I sent XXXX checks. XXXX for my normal payment and XXXX with principal written on the memo section. The mortgage company misapplied my payment. I had to call 3 times in XXXX to have it resolved. I let them know I planned on paying extra each month and to always apply extra to principal. I was assured this would be ok going forward. I then paid my XXXX payment on the Ditech website and indicated the extra amount should go to principal. The payment was again misapplied. I 've called them now 3 times in XXXX to resolve. The mortgage has been applied as of XXXX XXXX. The payment was made XXXX XXXX. However the extra {$500.00} I paid is now sitting against " late fees ''. There are no late fees due on the account. I am worried about the mismanagement of my account and afraid I 'm not receiving the proper credit of payment. I can not call 3 times each month to instruct how payment should be applied. The mortgage company should be able to handle extra principal payments. This is a normal occurrence in the mortgage world. Also my loan is a fixed rate. They have been listing me as a variable rate the last 2 months. My contracted paperwork is for a fixed rate loan.
Product: Credit reporting or other personal consumer reports

accordance with the fair credit Reporting act XXXX XXXX XXXX  XXXX Account has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Bank of America is refusing to have an in-person meeting pursuant to XXXX XXXX to which XXXX XXXX is entitled. Additionally, Bank of America has failed to accurate report XXXX XXXX 's payments to the credit reporting agencies. Bank of America has misapplied or failed to applied XXXX XXXX 's monthly payments accurately and is therefore causing XXXX XXXX 's account to be wrongfully in default and has wrongfully initiated a foreclosure when the account is not in defaulted status.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX D.O.B, this CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false info consists of credit card and installment account opened at XXXX XXXX on XX/XX/year> acct XXXX, XXXX XXXX opened on XXXX acct XXXX, XXXX XXXX XXXX opened on XXXX acct XXXX. These accounts have resulted in several fraudulent late payments appearing on my consumer FICO credit report. I demand that these items be removed from my consumer credit reports and that all related to said items cease pursuant to my rights within the FCRA and FDCPA law. These aforementioned accounts were not initiated by me they were a result of identity theft and fraud. I have attached a copy of a FTC identity Theft Criminal Complaint FTC Report Number XXXX as proof from the US Federal Trade Commission that all information in this report is accurate. My information was found in the XXXX Data Breach.
Product: Money transfer, virtual currency, or money service

I have money that was sent to me from my broker into my Coinbase wallet I tried numerous times to contact this company with no avail. I was getting messages on the Coinbase Wallet app that I had to pay gas fees and upgrade my wallet I paid around {$18000.00} Which I gave them now theyre telling me some XXXX XXXX that I have to pay something like XXXX XXXX XXXX  of the XXXX  balance I dont know if this is a scam or what but this is actually in my Coinbase wallet account. The broker IXXXX using is XXXX XXXX shes out of New York. She works for XXXX movers. Im just trying to get this resolved. I have around {$98000.00} in that account and I want my money again. Coinbase is the one that I am using for this app. If you need further information you can contact me at XXXX.
Product: Debt collection

I already have disputed this account multiple times for the last 6 months and there has been no any respinse after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesnt make sense at all. The last active sates and the opening dates of this account has been varying from one bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files attached.
Product: Credit card or prepaid card

I have already filed a complaint against XXXXXXXX XXXX  This is a debit buyer and you closed the account on this.The card is comenity XXXXXXXX XXXX  in which they are Reporting the same on my credit as XXXX are doing also in which this is against federal law and FDCA I have Called both neither will remove. 
2 parties can not report the same debit. 
And XXXX showed a spread sheet they didn't provide a contract with my signature.
Product: Credit reporting or other personal consumer reports

I respectfully request the removal of this erroneous entry from my XXXX XXXX. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to Equifax, XXXX, XXXX XXXX and other companies to conduct an investigation to verify inaccurate information on my credit report. It has come to my attention that a proper investigation was not initiated on my consumer report. I am a victim of unfair and abusive tactics to properly collect debt from different individuals, partnerships, corporations, trust, agencies or other entities. I have a right for protection as a consumer. To my knowledge I have been violated under certain laws listed below.

According to the law 15USC1681a ( d ), ( i ) ; 15 USC 1681a ( c ) Exclusions-Paragraph ( 3 ), ( i ) Does not include consumer report containing information solely as to transactions or experiences between the consumer and person making the report. 15USC1681 ( i ) Subject to subsection ( f ) and except as provided in subsection ( g ). has been violated. I have not given any written or signed consent to furnish information to disclose on my consumer report. I have enclosed copies of my letters and certified receipts along with the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion report shows a credit card account with XXXX XXXX from XX/XX/2022. I never opened an account with XXXX and disputed it with transunion. There investigation show results- verified as accurate. When i called XXXX, they have no record of an account. I questioned transunion and they referred me to this website and have no answer for me. So in summary, transunion claims i have a verified account with chime but chime has no record of an account in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted Dispute on credit report, incorrect reporting on accounts ( ie, collection item, which evidence from Insurance Company, was provided showing Im not liable for ) and personal information and outdated items on XX/XX/XXXX via XXXX Dispute webpage, on XX/XX/XXXX via fax and XX/XX/XXXX via XXXX Dispute webpage. No confirmation and no evidence has been provided that items have been removed, inquiries have not evidence that it was me requesting the cred and most recently, after a credit freeze was requested after the theft of my wallet on XX/XX/XXXX new inquiries have appear, which I have not requested.
Product: Credit reporting 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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

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. 

XXXX # XXXX, XXXX XXXXXXXX # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness. I implore you to conduct a thorough investigation and promptly rectify this error by removing this inaccurate information from my credit profile.
Product: Credit reporting or other personal consumer reports

Discovering that I've been a victim of identity theft has been incredibly stressful. Someone used my personal information, resulting in unauthorized accounts and activities appearing on my credit reportaccounts I had no idea about and never had any involvement with. Realizing how serious this was, I acted right away. I contacted TransUnion, and they told me to file a report with the Federal Trade Commission ( FTC ), which I did immediately. I forwarded the report, hoping it would help get these false items removed quickly. However, despite all my efforts, the fraudulent entries are still there, and its been frustrating and concerning to think about the lasting impact this could have on my credit and financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car that was repossessed by the credit union I financed it through, XXXX XXXX XXXX. They sold the car at an auction. They did not notify me of the intent to sell. They then sold my full loan balance without giving my balance credit for the sale to a collection agency, XXXX. 

I have filed multiple disputes with the credit bureaus Experian and XXXX as well as contacted XXXX for years regarding the account. It is reflecting as charge off with a balance of {$8400.00} and reported every month by XXXX. In addition it is reflecting as a collection account on my credit report for the same balance. 

Finally based on my Equifax credit report the account was reported delinquent XX/XX/XXXX and never was reflected as current after that. They told me the first date of delinquency was in XX/XX/XXXX.
Product: Debt collection

Transworld union called a Client of mine. They were representing the XXXX fire department and referenced my clients office address which did not make since. See message below : We received a call on our Main Line looking for you, it was someone representing the City of XXXX XXXX and they are trying to set up a Fire and Health Inspection ... she did n't have/was n't willing to give me much more detail.. and when i asked what property she was referring to, she said / Street, so I was all sorts of confused given that is our office, and not in XXXX XXXX XXXX County . 

Would you mind calling them back? She did say she had left you a message on your cell ... Number below. 

Thank you! 


XXXX This is the same number that calls my work line and saying : this is XXXX XXXX with Transworld union please call me using the reference number This was embarrassing in all shapes and forms.
Product: Debt collection

Last year I was served eviction papers, landlord agreed to work with me under moratorium mandate, they agreed to compensate me upon moving out, and Im doing so no debt would be owed, no additional fees, and that it would not be held against me in anyway. Also, upon receipt of the funds from XXXX XXXX housing the landlord was to retain the amount designated for back rent and cut me a check for the portion of funding I that was allocated for a security deposit and past due utilities. Ive been trying to get ahold of the landlord for months and had no response, I recently received correspondence from a debt collector demanding over {$14000.00}. I attempted to rectify with the 3rd party collectors. XXXX refused basic service, he refused to provide any correspondence stating I was disputing debt, he refused a supervisor, refused legal department contact information, and refused to assist in anyway overall.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed to remove the hard inquiries on my report as requested in both letter and over phone. 
Transunion has also failed to remove a account that was fraudulently reported by XXXX XXXX. the account continues to show derogatory and revolving after two years of requesting validation an a letter from XXXX  stating the account is not valid as well as a discharge order that was ignored. 

transunion has refused to remove a bankruptcy they can not verify despite a notice from the bankruptcy court. 

they continue to knowingly report false information after multiple attempts to correct this. 

They are showing a derogatory account from XXXX XXXX that was resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX In Accordance with the Fair Credit act XXXX account # XXXX

has violated my rights. 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.
Product: Credit card

I made a purchase for {$440.00} that had a 0 % promotion for 12 months. I made the first minimum payment of {$37.00}. In the same month I made a {$3000.00} purchase and payed off the {$3000.00}. The next statement they had removed the promotion and stated I paid the promotion off with the {$3000.00} payment. The {$3000.00} payment was above the minimum due that month, they applied the payment to the non-interest balance rather then the interest bearing balance. When I contacted them I was told there was nothing the person could do other than connect me to management. I have been on hold waiting for management for more than 30 minutes. It is clear they are waiting for me to hang up. This was also my second call, the first call they told me to call an XXXX number as it was their problem. XXXX sent me back to Chase. This is a Chase XXXX XXXX rewards card.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax website contained a form to apply for a credit freeze. Yesterday, I submitted this form twice and got no response. Today, they stopped taking credit freeze requests. 

Please nail Equifax for the hack of their credit reporting system. Prosecute both Equifax and their CEO to the full extent of the law, and advocate for tougher laws that will hold these lax companies and their CEOs criminally liable for the adverse effects of hacks, including prison time for CEOs. 

Please augment your website to receive public comments about the Equifax hack. This is a golden opportunity for the CFPB to gain widespread public support -- IF you can provide effective relief from ID theft that Equifax enabled.
Product: Debt collection

Debt from XXXX  showing amount owed of XXXX dollars. Debt collection company calls every hour requesting payment also has account from XXXX for XXXX dollars I currently have a XXXX account paid to date. Debts are not mine or we forgiven by company while on XXXX XXXX under XXXX XXXX XXXX XXXX.