23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Kohl 's representatives keep calling me in regard to paying on my card. They are calling me XXXX days a week and average XXXX calls per day. The phone numbers used are not the companies but local phone numbers. I am even getting calls around XXXX EST or later. When I did speak to a rep ( again ) I explained that I was XXXX, and I have been away taking care of my mother who has XXXX. I am back in my state and actively looking for XXXX and I would not be able to make any payments until I have income coming in. She asked if I had any family or friends that would pay my debt. This is my debt, and I will pay but not at this time due to my situation. This is starting to be harassing and is really bothering me mentally. The rep told me they will continue to call until a payment was made. Why do they have to call all day every day. I do not need them to remind me how insignificant I am.
Product: Payday loan

Please look into a.company called.Big Picture Loans. They offer payday or.nextday loans.They offer loans to.consumers for XXXX dollars.They don't.tell you in there letter.of over the phone that they charge750-800 % interest on that loan!!! They also claim.ammunity saying.they have tribal protection through the XXXX tribe. There 's 100 s of.1000, s of complaints and upset.consumers o et.these guys.How they can be in.business is beyond me.Please make sure another.consumer does not.get scammed you take a XXXX dollar loan and.pay back nearly 1800 dollars. Please help and investigate thank you. These guys should.stop.hiding.in.there.tribal law and.be.shutdown or loomed at regularly until there.business practices are decent
Product: Vehicle loan or lease

I am trying to change my street address on the website, its not going through, I do not know, what is wrong with the system.
Product: Checking or savings account

This past summer, I received physical mail informing me of a promotional offer regarding opening a Wells Fargo checking account. 
Wells Fargo offered a {$320.00} bonus in exchange for opening an account and meeting the below qualifications : 1. Opening the account using their promotional link as found in my letter 2. Opening the account by XX/XX/XXXX XXXX. Connecting a direct deposit and depositing $ XXXX within three months I met all of the above requirements. I contacted Wells Fargo after meeting the requirements and they asked me to wait until the 3 months had passed for the bonus to deposit. The 3 months came and went but no bonus was deposited. 

I have since spent at least 10 hours on numerous occasions throughout XXXX and XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) on the phone with Wells Fargo customer service, in an online chat with their customer service, and to top things off, they asked me to come into a physical Wells Fargo location where they assured me they would be able to take care of this matter but did not - complete waste of my time. 

They have now closed my case claiming there was no promotional offer found on my account and that I must not have used their promotional link. I absolutely did. The link was " XXXX XXXX' and I would not have signed up for an account without ensuring I used their link. 

This is actually the second time Wells Fargo has reneged on a sign-up bonus. I had a similar experience opening up a credit card with them a couple of years ago and I was hesitant to now sign up for this offer as well, only for my fears to be confirmed.
Product: Credit reporting or other personal consumer reports

This complaint serves as a formal demand under 15 U.S. Code 1681b ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ). It is your responsibility as a consumer reporting agency to adopt and maintain reasonable procedures to ensure fairness, impartiality, and maximum possible accuracy while respecting my right to privacy.

Upon review of my credit reports, I discovered inaccurate and unverifiable information that has been removed by other consumer reporting agencies but remains on your report. This failure to maintain reasonable procedures is a violation of 15 U.S. Code 1681e and has deprived me of my right to extend new credit under the Truth in Lending Act ( 15 U.S. Code 1602 ( f ) ). This deprivation constitutes a federal violation under 18 U.S. Code 241. 

I demand the immediate removal of the following account : XXXX XXXX XXXX - FTC Report Number XXXX. This is a direct violation of laws enacted by congress to protect consumers. Remove immediately or I shall be seeking litigation for each violation in my credit report starting at XXXX per fine. am well aware you have no legal standing in court and there are numerous counts of case law which illustrates the consumer reporting agencys failure to maintain reasonable procedures is grounds for a suit and judgement in favor of the plaintiff. I am not afraid to take legal action to cure my injury brought from you by your company. l am demanding that you remove this transaction from my report immediately as they are a violation of my rights as a federally protected consumer under title XXXXXXXX XXXX XXXXXXXX. I understand that you are required to notify me within 30 days and provide me with an updated copy of my credit report. Your willful noncompliance has civil liability under 15 U.S.Code 1681n et seq.
Product: Mortgage

CEASE AND DESIST I am writing to inform Truist Bank that I am making every effort to pay my mortgage. It is a simple interest loan and there is no prepayment penalty. 

Per my statement dated XX/XX/XXXX, my account balance was {$110000.00}. I submitted a payment on XX/XX/XXXX for {$110000.00} in XXXX separate payments of {$99000.00} and {$12000.00}. I purposefully paid this amount because I did not know when this would be credited to my account and I am aware that mortgages are paid in arrears. Meaning : I would owe additional money for the interest accrued until the payment was received. This would have been paid upon Truist receiving my XXXX or XXXX payment of {$850.00} depending on how this was credited to my account. They would then refund the difference. It is simple math. 

The calculation for interest owed was {$110000.00} x XXXX = {$15.00} per day. As an example, if I paid the balance on XX/XX/XXXX, 18 days of interest is equivalent to {$270.00}. Since my payment on XX/XX/XXXX was {$54.00} higher than the balance owed. This number should be subtracted from the interest due for a balance of {$220.00} ( plus interest until paid in full ). 

On XX/XX/XXXX, I returned Truist 's check of {$99000.00} to my branch on XXXX XXXX, XXXX SC. It was directed to my mortgage at this location. 

I will not pay anything additional to my mortgage except the interest due after the original {$99000.00} payment received date of XX/XX/XXXX. I have made every effort to pay Truist Bank {$99000.00} and you have willingly returned my payments. If the XX/XX/XXXX payment to my mortgage through the branch is refused, I will deposit these funds with XXXX XXXX XXXX  and I expect a loan satisfaction letter from Truist Bank. 

Finally, I will not pay a recording fee for {$10.00} as this was never disclosed during my loan application. 

This is final effort for your understanding
Product: Credit card or prepaid card

Chase offered XXXX points for opening a new mortgage for cardholders with the Chase Sapphire Reserve credit card. I applied for the mortgage through my Chase " Just for You '' section of the website which referred me to a local Chase representative. I completed my condo purchase with the new mortgage on XX/XX/XXXX. After waiting 60 days past closing, I reached out to Chase numerous times to determine the status the points. I also reached out to the Chase " Sr. Home Lending Advisor CPC '' XXXX XXXX on multiple occasions, but he did not address the request. I also inquired with XXXX XXXX. 

Dates of communication are listed below : XX/XX/XXXX -- E-mail to XXXX XXXX XX/XX/XXXX -- E-mail to XXXX XXXX XX/XX/XXXX -- E-mail to XXXX XXXX XX/XX/XXXX -- E-mail and Phone call to XXXX XXXX and XXXX XXXX XX/XX/XXXX -- E-mail to XXXX XXXX and XXXX XXXX I am requesting that Chase apply the rewards points associated with the mortgage to my account. 

Thank you
Product: Mortgage

My Mother had a boyfriend who exhausted her finances while she  was suffering from XXXX. After funds were exhausted the boyfriend manipulated her into getting a home equity line of credit for {$100000.00} on XX/XX/XXXX. Knowing she was suffering from XXXX he convinced her to be a co-borrower on this loan without having any interest in the property and not being married. We tried multiple times to get her medical help for XXXX and he would not let us intervene. Bank of America allowed this loan to happen. We tried to freeze this account many times after her death which was XX/XX/XXXX, without any cooperation from Bank of America. I am the Trustee of this property and XXXX of Attorney and have been since my Mother could not make decisions and was diagnosed with  XXXX. The boyfriend is wanting to increase the home equity line after her death when the account should be frozen. Bank of America sent a letter currently saying they are researching a recent home loan increase request. XXXX XX/XX/XXXX, and wanting 15 business days for a response. We have tried multiple times to contact Bank of America to stop this fraud after providing the death certificate and trust information showing he has no interest in the property. We are trying to stop any additional fraud. We the Trustee have been making the payments on this loan and the boyfriend has not been paying. In addition to this complaint, how did Bank of America allow my Mother and the Trustee to be removed from the loan when it is attached to the property and the boyfriend has no interest and he is the only remaining party on the account??
Product: Consumer Loan

My bank mailed a check to Wells Fargo on XXXX/XXXX/15. I have confirmation and can send you an image of it. Wells Fargo claims the mail did not arrive until XX/XX/2015. The payment was due on XXXX/XXXX/15. Wells Fargo charged me {$38.00} for a late payment and will not waive the charge.
Product: Checking or savings account

I had a disputed charge returned to my account for {$38.00} and i cant access it. The company has closed my account. i have confirmed with support agents the balance is there. 
My account was closed due to not having enough deposits each month. 
But the balance is still there. 
They claimed if i had a balance it would be sent as a paper check not more than 30 days from closure. However it is well over 30 days from being closed and this company is denying me access to my funds. 
the company is CHIME
Product: Credit reporting, credit repair services, or other personal consumer reports

After thinking about purchasing a home, I decided to check my credit report. I instantly noticed Inquiries on my credit that I never applied for. I sent in a dispute letter with FTC form and a copy of my personal documents such as bank statement, driver 's license, and Social security card to verify my identity. I sent these letters and documents to XXXX, XXXX, And TransUnion. Furthermore I called each company with the inquiries which stated to me to contact the Credit Bureaus to have them deleted. No one responded to my letters or deleted the Inquiries off my Credit report.

15 USC 1681 ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681c-2 Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of_ 15 USC 1681d ( 4 ) A consumer reporting agency shall not prepare or furnish an investigation consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the creditors has violated my rights. 
Under 15USC1681 section 602 states : I have a right to privacy. 15USC 1681 Section 604A Section 2 also states that consumer reporting agency can not furnish an account without my written instructions. 
Under 15USC1666B a creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number XXXX XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account XXXX : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/year> 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 card or prepaid card

Avenue, XXXX, XXXX XXXX Wayfair Comenity accounts were all reported late to credit bureaus while enrolled in Comenity 's hardship program beginning XX/XX/XXXX. I enrolled in their program because of financial hardship due to a family death & lay off. Prior to this all payments were made onetime across all 4 Comenity accounts. 

My account was enrolled through XX/XX/XXXX, & autopay changed to new due dates on the XXXX & XXXX. 

In XX/XX/XXXX I received a message my account ( s ) was past due. When I called, I learned since completing the program, my due date ( s ) reverted back to the original due dates & Auto pay canceled. 

I contacted customer service on numerous occasions & was hung up on from representatives, & blind transferred back to their automated system without warning. I escalated to a supervisor ( XXXX ) & learned that I would need to reenroll each account in Autopay, and the XXXX & XXXX dates weren't permanent due date. I was also advised my account ( s ) were reported late despite auto pay on the new due dates payment. While the payments were received on time during the Program, their system reflected the full minimum payment & not the reduced amount under the program. I was told to dispute the late pays. 

When my credit bureau disputes came back verified/unchanged, I called to request correction & confirm if any payment history had been corrected. 

I was advised that their systems will not show account details from the hardship program in XXXX & would need to send an email to update each of the account ( s ). In addition to all 4 of my accounts reporting late for multiple months despite receiving written communication from Comenity that I successfully completed the program by making all payments on time, my credit limits were all reduced, & 1 account closed. 

I am in the process of buying my first home, & Comenity has ruined my payment history. Automated & electronic messages assuring commitment to help their cardholders during the pandemic & have been unable to resolve my request with representatives by phone, email, letters, & credit bureau disputes.
Product: Debt collection

I have received phone calls and they are on my credit report. I haven't got into debt with those companies.
Product: Consumer Loan

THERE IS A INQUIRE ON MY CREDIT REPORT THAT I DIDNT MAKE AND NEED TO BE REMOVED
Product: Student loan

I made payment today of XXXX to get out of the rear. But my school lied to me on how much I would be making with a bachelor 's. Called a nd talked with some representative and she told me I don't qualify for any repayment plans other then just making that payment on my federal loans service by Sallie may or Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert that my credit score had dropped XXXX points. When I logged into the Experian system, there was no explanation for the drop. There was a text box that simply stated that the score can change with updated information and their attempt at creating a chat bot ( just an interactive Q & A flowchart ) was completely useless in getting the requested information. 

The dashboard shows no new inquiries, all revolving credit at {$0.00}, and automatic student loan payments normal.
Product: Debt collection

I recently ended my residence with XXXX in XXXX, Washington. After vacating, the manager immediately sent the balance to collections, rather than using the deposit insurance policy XXXX sold me in lieu of making a deposit payment upon move-in. The manager in question, XXXX XXXX, has repeatedly harassed me by retaliating for XXXX accommodation requests ( including an eviction attempt for requesting an accommodation, and a rent hike attempt after the eviction attempt was overruled by the apartments ' holding company ), and made no attempt to contact me or discuss the deposit insurance after termination of residency, though when I filed my 30 day 's notice, her office clerk, XXXX, assured me that the insurance covered up to {$1000.00} in damages to the apartment. I am currently filing complaints of XXXX discrimination on the basis of retaliation and am attempting to dispute the collection debt which has since appeared on my credit report.
Product: Payday loan, title loan, or personal loan

XX/XX/2021 financed a sectional and bedroom set {$2700.00} total. $ 389 monthly payment agreed upon. 

Ive paid XXXX $ a month since XX/XX/2021 and the total amount due as of XX/XX/2021 is XXXX XXXX I called to report discrepancy and XXXX XXXX refused last name ) stated the most he could do is bring down total to {$1800.00} due that would also need to be paid in 30 days or the original amount financed will take affect. 

American First Finance advertised no credit check on website however there is a credit check and total amount financed is on my credit report. No they do not report monthly payments just the total amount financed is on there. 

Upon research it is also discovered that they are unlicensed to do business in California. 

Over the course of 6 months I have paid {$2000.00} on a {$2600.00} bill yet I still owe {$2100.00} this is highly illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Data was hacked per Equifax Credit Bureau, I had to go through an indepth process to try and limit further damage. I waited on the phone for long times to accomplish this. The other KEY of this problem is that EQUIFAX WAITED FOR MONTHS to advise THE CONSUMING PUBLIC OF THE BREACH OR HACK OF DATA. 

EQUIFAX HAD A DUTY TO PROTECT CONSUMER DATA, AND THEN IF BREACHED TO ADVISE US IMMEDIATELY, THEY DID NEITHER. SUPPOSEDLY, SOME WITHIN EQUIFAX IN FACT SOLD THEIR STOCK HOLDINGS PRIOR TO TELLING THE PUBLIC OF THE BREACH TO MINIMIZE PERSONAL FINANCIAL LOSS. THIS IN ITSELF IS " CRIMINAL ''. 

I WONT THEM HELD ACCOUNTABLE, I HAVE NO IDEA OF THE DAMAGE DONE UNTIL I START SEEING ACTIVITY. XXXX. XXXX
Product: Credit reporting or other personal consumer reports

My Hard Inquiries are not correct. I have never requested credit from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND EXPERIAN Violation of Privacy and inaccurate and unfair reporting. 
THERE ARE TWO COLLECTION ACCOUNT ON MY CREDIT REPORT FOR ATT. THE COLLECTIONS AGENCY ARE REPORTING THE SAME ACCOUNT AND THEY BOTH HAVE INACCURATE INFORMATION.
Product: Checking or savings account

I was notified by Citi bank that my funds have been frozen and that they are terminating my relationship with the bank and would not give me a reason. They told me that the process will take 30 to 60 days and then they will send me my funds by u.s. mail. All of my money is in their bank and I have no way to pay my rent or to buy food. I need my money as soon as possible since my wife of 30 years died last month and I have countless medical bills to pay, and I'm having to deal with the grieving process. I don't need the bank, but I do need my money as soon as possible, all I have is the money in my wallet. By the way, the bank is Citi bank, and this can't be legal. It also shows a lack of integrity and a lack of morals. In God 's name, Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove the late payment remarks as soon as possible!
Product: Debt collection

A law firm agreed to a settlement amount. 
They are now saying they will not honor that amount. 
Reason. I had previously made an agreement for an amount greater than the amount provided in a letter I received that looked like junk mail. 
I subsequently called the law firm back and stated that I will pay the amount that the letter stated. The service rep agreed and collected monies. All 5 bureaus were to be updated and reported as paid. Today they stated they would honor the original agreed amount with the first rep and that the rep who agreed to the letter amount was wrong and apologized. Could not talk to a manager.
Product: Credit reporting or other personal consumer reports

Ive identified unauthorized inquiries on my credit report that breach 15 USC 1681c-2. This incorrect information is harming my credit, and I need them removed.