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

According to a XXXX statement, Chase credit card is charging me an interest of {$40.00} based on XXXX balance of {$9600.00} saying on the statement that it was due to new purchases {$3100.00} ( 16 % APR ) and a balance transfer promotion balance {$7500.00} ( 0 % APR till XX/XX/2021 ). However, I paid off more than my sum of purchases for that bill cycle and those two balance numbers added together equal much more than my XXXX balance {$9600.00} or my XXXX balance {$8700.00}. It doesn't make sense. 

I contacted their messaging center a few times and received bogus AI responses. Then a person or two responded but they never answered my questions. If that isn't enough when I finally called, all they say is that any payment goes towards the lower APR first, which doesn't make any sense considering the math on their statements. Nobody is doing any calculations over there or explaining anything using basic math and correct logic. It's disheartening. 

Overall, there are two things happening that are wrong : 1 ) they are not counting any returns to go to purchases and automatically deducting it from the balance transfer balance ( 0 % APR ) and 2 ) they are charging me for a total balance that I don't have. 

So all they tell me on the phone and in messages that I have to pay off my balance transfer promotion before I can pay off the purchases, even when I have returned purchases ( XXXX + cancelled flights ) credited to balance transfers balance instead of to purchase balance. I've never seen a credit card company do this. Disclosures or no disclosures. It's totally corrupt and misleading.
Product: Credit reporting or other personal consumer reports

i did not authorize this company or any other company to pull my credit repor. they are reporting false information. I did authorize bridge loan network to pull my report. i did not apply for a loan. they are reporting false information on my credit report.
Product: Debt collection

Midland Credit Management called ( XX/XX/24 ) to threaten to sue, after I've received no mail of the situation. I had received a call a long while back about a debt that was dropped by XXXX during XXXX and when I was out of work due to injury, and he threatened to send me to jail for not answering him or paying. 
Today 's call was defending this previous interaction, and threatening to tack on wages and interest to what is owed as she got heated with me in my defense of the situation. 
She doubted me being at work and working when I told her I was opening up the restaurant I worked at and needed to go. Very unprofessional to pretty much call me a liar over the phone when I'm here trying to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX a creditor has failed to correct inaccurate information in the remarks on the Transunion and XXXX credit report. It has been a merry go round with letters stating on XXXX behalf that this would be corrected and it has not been done so with no end in sight. The fraudulent information reported by creditor is that account was closed at consumer request which is absolutely not true because the file has ok from XX/XX/XXXX thru XX/XX/XXXX paid as agreed with no closed mark in any month so therefore information they continue to inaccuratly has done harm to my credit and I have legal right to clear the error. They reported my account open and closed for 6 months last year playing games with my credit. This is turning into serious legal issue. If it is not corrected I will be seeking legal counsel.
Product: Credit reporting

I received a letter from Experian dated XX/XX/2016 stated that " Unless you send us additional relevant information to support your claim, we will not re-investigate this information again '' Report number XXXX Reason : The paid amount listed is not reporting correctly. I have sent letters directly to the Furnisher FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. This account is inaccurate and incomplete. For the fifth time, I 'm asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will have no other choice but to escalate this matter and file complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, Justice Department. 

1. You must assume that my dispute of this information is valid unless you have evidence that states otherwise. Do you have this evidence? If not, and you do n't investigate, then you are being non-compliant. 
2. I have provided you further information on this dispute and, as a result, you must investigate and, if you choose not to, then you are non-compliant again. 
These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged. 
I 'm carefully tracking all correspondence with your company. 
I think 30 days should be long enough for your company to complete this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I supplied a copy of the FTC report, it was determined that Credit Bureaus are not impeding records. Because regulation 605b of the FCRA requires it, I'm delivering this Complaint to assist in drawing out a legal response. If you choose not to impede the following items, which are responding incorrectly as a result of fraud. Here are the items that must be removed from my file : XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$290.00} ; XXXX XXXX XXXX XXXX XXXX : {$7200.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX - XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX # XXXX XXXX XXXX : {$780.00}.
Product: Checking or savings account

I am being unjustly denied access to my funds/account along side others. 

In XXXX XXXX I logged on to my Citibank online account and my checking account was completely gone I couldnt see any transactions or anything that had to do with my checking account. When I called they told me they could y verify me because I wasnt calling with a verified phone number. I called Citi multiple times from the same number I opened the account with. It is now XXXX XXXX and I have no idea whats going on or why my account has been blocked. 

They wont tell me anything unless they verify me, and only way is through a one time text message but the number I give them does not work and they said its not verified but its the same number I opened the account with. I havent been able to pay my rent or bills and have been passed due on everything.
Product: Money transfer, virtual currency, or money service

I got scammed by XXXX. i transferred about $ XXXX and then the company would not release any funds as promised. A ton of people lost money in this. Please see the attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXXU has violated my rights.

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discover Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request to Cease Reporting Charged-Off Account Dear Discover Bank I hope this letter finds you well. I am writing to formally request that you cease reporting on my credit report regarding account number XXXX and XXXX which has been charged off. This request is made in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 

According to the FCRA, I believe that reporting this charged-off account may not be in compliance with the regulations that govern accurate credit reporting. Specifically, I am referencing Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) which permits consumers to dispute inaccuracies on their credit reports.

As the account has already been charged off, continuing to report this account may unfairly affect my credit score and financial opportunities. I kindly ask that you take the necessary steps to remove this account from my credit report.

I would appreciate written confirmation of your receipt of this request and any actions taken in response. Please send your response to my address listed above.

Thank you for your attention to this matter. I look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX
Product: Credit card

Refer to the attached documents. I request an investigation into these accounts, as they incorrectly reflect late payments when I have always been on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX Original Creditor Acct # XXXX ... XXXX Acct # XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit card or prepaid card

This is a follow-up to complain XXXX. The previous inquiry is attached. I request that Citibank confirm or deny that during my ongoing credit and banking relationship that I have met the terms of each and every agreement relating to the Citibank cobranded Credit Cards associated with the XXXX XXXX AAdvantage program, and any promotions or bonuses that go along with it. I am specifically asking about the relationship with Citibank and myself, not XXXX XXXX or their Aadvantage mileage program. Please provide specific examples of where I violated the terms of the agreements made between Citibank and myself, if any.
Product: Mortgage

A assumed a loan trough Freedom Mortgage in XX/XX/year>. The loan has been put in my name and I am making the monthly payments. Freedom Mortgage is unable or unwilling to give me online access to my account.
Product: Debt collection

XXXX at XXXX XXXX XXXX - time share my wife and I were divorced in XX/XX/XXXX the time share was awarded to her in the divorce she died XX/XX/XXXX and the debt reported to my credit on all 3 bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent my original dispute to Avant credit card through XXXX XXXX for an unauthorized account being opened in my name. I've been XXXX at XXXX XXXX XXXX XXXX in the XXXX XXXX XXXX  XXXX since XX/XX/XXXX. And I given this company the opportunity to resolve my issues I've sent everything company everything it has asked for except a police Report, I've advised this company that I can not get no police report or even file one because I'm still presently, currently still XXXX  in a XXXX XXXX, will be so until I discharge my XXXX XXXX. Under normal situations I can understand this being needed but due to my being XXXX  can very well been resolved by calling the XXXX XXXX XXXX XXXX records office, providing my name XXXX XXXX # XXXX XXXX number, ask when did I start my XXXX  which was XX/XX/XXXX which could have been easily verified, would've shown it was impossible for me to have opened this account.
Product: Credit reporting or other personal consumer reports

First i want to thank you for taking this time to read my email.I am having a problem with XXXX XXXX XXXX XXXX XXXX My bill XX/XX/year> did not go trough when it was on auto bill. I reached out the company and they said that the payment try to come out of the bank but it was rejected.They never notified me of the rejection and gave me this late payment.Now i can not get mortgage or loan because of this mark on my credit.The company will not help me with this unfair situation.My lease about to end at me rental house.I am looking to purchase a home for me and my kids.You are my only hope please help me out.Please help me to remove this late payment from my credit report. 
Thank you so much. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX
Product: Mortgage

NATIONSTAR AND ITS ATTORNEYS, OFFICERS OF THE COURT, ARE KNOWINGLY COMMITTING THE IN-PROGRESS CRIMINAL ACT OF GRAND THEFT AGAINST ME AND MY HOME BY USING THE POST-RESCISSION, VOID AND UNENFORCEABLE NOTE AND DEED OF TRUST IN THEIR ILLEGAL NON-JUDICIAL CALIFORNIA FORECLOSURE ON MY HOME OF 26 YEARS!!! 
REGARDING : XXXX year old XXXX XXXX XXXX home of 26 years : XXXX XXXX XXXX ; XXXX XXXX, CA XXXX REFERENCING : Alleged XXXX Loan Number XXXX : Deed of Trust Document Number XXXX recorded on XXXX XXXX, XXXX in XXXX XXXX California REFERENCING : Alleged Nationstar Mortgage LLC Loan Number XXXX Corporate : Assignment of Deed of Trust Document Number XXXX recorded on XXXX XXXX, XXXX in XXXX XXXX California I XXXX XXXX XXXX exercised my right to rescind on XXXX XXXX, XXXX under TILA Section 1635 ( a ), and that rescission was both timely and unchallenged. 
I, XXXX XXXX XXXX, rescinded immediately upon depositing my rescission into the USPS mail on XXXX XXXX, XXXX under TILA statutes immediately rendering the transaction, loan and security instrument void and unenforceable by operation of law and pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ). 
See attached XXXX rescission and proof of receipts : XXXX XXXX XXXX, XXXX for XXXX - LETTER of RESCISSION & Proof of XXXX Receipt and XXXX XXXX XXXX, XXXX for XXXX - LETTER of RESCISSION & Proof of XXXX Receipt. 
In the XXXX XXXX, XXXX XXXX decision Justice XXXX, in his Opinion of the Court for a unanimous SUPREME COURT OF THE UNITED STATES decision stated : " The clear import of 1635 ( a ) is that a borrower need only provide written notice to a lender in order to exercise his right to rescind. To the extent 1635 ( b ) alters the traditional process for unwinding such a unilaterally rescinded transaction, this is simply a case in which statutory law modifies common-law practices. '' USC Section 1635 ( b ) clearly states, " When an obligor exercises his right to rescind under subsection ( a ) of this section, he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. '' Nationstar who is in violation of TILA 1635 ( b ) allowed all of its rights to challenge or object to my XXXX XXXX, XXXX rescission to lapse and expire on XXXX XXXX, XXXX by not filing a timely lawsuit within 20 days of the date it received the rescission on XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX, 10 days after receiving my rescission Nationstar cancelled its foreclosure. 
See attached XXXX - XXXX, XXXX Cancelled XXXX See attached XXXX XXXX Cancellation of Sale - XXXX On XXXX XXXX, XXXX, 3 MONTHS POST RESICSSION, Nationstar INITIATED ANOTHER FORECLOSURE SALE!!! This is currently postponed until XXXX XXXX, XXXX. 
See attached XXXX NT TRUSTEE SALE. 
It is a basic precept of the law that one can not use, enforce nor foreclose an interest in a null and void contract or security instrument, yet that is exactly what Nationstar is doing TO COMMIT ITS CRIMINAL ACT OF GRAND THEFT!!!!
Product: Mortgage

before I applied for a modification six years a go I reached sls mortgage and asked for help in reducing my mortgage or anything they could to help they said they could n't help me because I was current on my payments I end of getting behind and i applied for a modification 6 six ago and receive it now 6 years later they set me up to fail im worst off now with higher payments I cant afford and they attached the monies to the mortgage as I waited for the modification ... my payments are XXXX a month from when I needed the help for XXXX a month 6 years a go. I would love to stay in my home and get a fix rate and lower payments I read all the reviews about sls and they been doing this to ppl for years we are losing our homes because we cant afford the payments ... I called onXX/XX/XXXX to see if I was approved for the modification they said still pending, they ask me that dayXX/XX/XXXX did I receive a letter from them I stated I havnt received anything they said we sent out a letter on the XX/XX/XXXX that they are going up on my mortgage it will be XXXX as of XX/XX/XXXX I said less than 30 days she said yes I was just paying XXXX last month 2 months before that XXXX it been going up quite often in a years time please help me im drowning in this situation
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below 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

I am filing again this complaint and informing you to do an investigation on this account XXXX XXXX XXXX XXXX that is appearing negatively on my report that I am not aware where it came from. This is my 2nd time filing a complaint because my first complaint was closed without proper investigation. I am attaching the letter I have sent to the bureaus.
Product: Student loan

My name is XXXX. I was a student of XXXX at XXXX, XXXX & wanted to study XXXX. But I was XXXX to XXXX during the enrollment grace period. 
When I returned, I visited the school that had relocated to XXXX. I was told by the financial aid counselor that I could return to school & pick up where I left off if I was willing to start making payments toward my loans. Then the school closed down because their parent company XXXX ' is responsible for cheating the XXXX & other affiliated schools students out of {$30.00} XXXX dollars. I was contacted by a collection agency 'Elan Financial Services XXXX who tell me that I owe them {$10000.00} for an education that I never received. I admit that it was my fault for being put in jail for selling drugs on the streets, but I fully expected to be able to return once I was free. 
I am unemployed but willing to pay Elan $ XXXX until the loan can be satisfied. I do not feel obligated to make any payments, but in order to clean up my credit & be enrolled in a future school, I am willing to be flexible. I am in another location, but have an address as well as a phone # which I will provide upon request. Thank you very much for your time & patience.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is trying to collect for a vehicle no longer in my possession that I voluntarily gave up due to not being able to pay. My name at the time was XXXX XXXX. XXXX XXXX used the company NCB XXXX XXXX to try to sue me for the amount they could not collect for the remaining of the sale, and in which we went to court for. The Loan was dated back in XXXX, in which they did not try to take me to court until XX/XX/XXXX. The case was " discontinued '' at the XXXX XXXX XXXX XXXX on XX/XX/XXXX. I am disputing this due to stature of limitations since it is past the legal time limit of 3 years to sue someone for the debt and to cease and assist this debt. I also would like it removed from my credit report as well. Thank you!
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal took {$2300.00} from my balance after 180 days of it being held on XX/XX/2021. 

PayPal Email : XXXX Transaction ID : XXXX PayPal claims I broke there User Agreement Policy when I am a registered seller in XXXX and sold legal digital goods on a massive marketplace called XXXX. PayPal is one of XXXX 's main payment gateways and has been partnered with them for years. There is no reason why I should have been banned by using there platform. I wish for them to return the money they have taken from my balance.
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. Accoount # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX xxxxxxxxx Account # 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. 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 adverse item of of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the adverse item of information, other then records of convctions of crimes which antedates the report by more than seven years. 15 U.S.C 16815-2 ( 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 accurate.