23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I contacted Chase Bank a few months back to understand how they apply payments, I was told then that that payments are applied to the highest interest balance. Today XXXX/XXXX/16 I was reviewing my statements for the last few months and noticed that this has not been the case so I called Chase again. 
I spoke to a XXXX in their XXXX XXXX TX call center who told me again that payments are in fact credited to the balance with the highest interest rate.. When I told her that based on the information on my statement this was not the case so she then told me that any payment I make first is credited to my oldest promotion balance and the remaining funds to my balance with the highest interest rate. 

this again proved to be wrong based on what I have on my monthly statement. 
XXXX had me on the phone for over 45 minutes and finally transferred me to her supervisor XXXX who also could not answer my question. By then I was on the phone for an hour asking that someone tell me the breakdown of how my payments have been applied but neither XXXX or her supervisor could figure this out looking at various screens on their computer. My question is if Chase employees ca n't figure this out how an average consumer could ever be able to see where their money is being applied to. I asked XXXX to formally log my complaint as I was expecting someone at Chase could get the answer to may question and call me back but I was told that she will log the complaint but that no one at Chase would call me back as they do n't reply to the complaints filed-this just makes no sense-why log a complaint if you are not going to do anything about it. 
I now feel that Chase has been taking my money and applying the payments any way they choose -probably to my lower interest balance so that they can maximize their interest income while causing me, the consumer to overpay interest Their statements are certainly not consumer friendly to allow me in seeing how every dollar I pay is being applied. I have no faith in Chase and their customer service and want to understand as minimizing my interest costs is critical to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS ON MY CREDIT REPORT ARE NOT MINE
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverifiable information ( A ) general if, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the file of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following item ( s ) from my report, immediately : Account : XXXXDept of Ed XXXX XXXX XXXX | {$66000.00} -This account is being reported inaccurately, please remove this from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was an authorized user on my father 's XXXX  credit card. He passed away. I never gave my permission and did not know I was authorized for this card. I never used the card. 

XXXX  credit card has told me I am responsible for my late father 's debt on two separate phone calls. This is false and illegal to tell me that I'm responsible when in fact I am not. They have added derogatory information on my credit report that took my score from XXXX to XXXX.
Product: Credit reporting or other personal consumer reports

Im filing this CFPB affidavit complaint to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EQUIFAX Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

The fraudulent, inaccurate, and false information consists of : 1XXXX Fraudulent accounts : XXXX XXXX XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXX  opened on XX/XX/XXXX, XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX/dept of ed opened on XX/XX/XXXX, XXXX/dept of ed opened on XX/XX/XXXX, XXXX of XXXX opened on XX/XX/XXXXXXXX XXXXdept of ed opened on XX/XX/XXXX XXXX Unauthorized Inquiries : XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Those accounts are results in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I attach a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. Those accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the stated accounts, collections, and hard inquiries are the results of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my seventh 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$18000.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Checking or savings account

On XXXX, I asked to close my accounts through Live chat, and there are XXXX pending tranactions ( This XXXX tranactions were the checks i deposited to XXXX XXXX  ) .I asked the customer service if there would be a probem to close the accounts since the tranactions were not clear, and the customer service told me there would no problem and close my accouts. This caused my accounts blocked and the checks which i deposited to XXXX were returned. 

The worse thing was that I used the money which i deposited to XXXX and returned back to Citi, so i tried my best to pay XXXX money back or XXXX would tranfer the debt to the collection. 

After this, I made a lot of calls to Citi. the customer service told me that Citi would mail me the check in 7- 10 days, but now XXXX weeks past, I did not get the refund. and i dont know when i will get my money back.
Product: Credit card or prepaid card

I had 2 credit cards with XXXX before they were sold off and transferred to citizens bank now they send me a letter in the mail that they decided to close them this is ridiculous against policy they were with another bank and Im a good customer they closed it claiming I never used them what do they care I dont deserve this treatment
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00} and XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$21000.00}.
Product: Credit reporting or other personal consumer reports

Key Issue : Experian is not giving me access to my Experian account ( credit file ) despite XXXX months of regular follow ups, emails, calls and faxes with my info, after fraudsters have changed the email/phone account associated with my account. 

History : 1. My credit info was leaked in XX/XX/2024. I placed a freeze on all my credit bureau accounts in XX/XX/2024 XXXX. However, someone was able to get control of my Experian account and also opened an Experian checking account 3. I need to prove my identity to Experian, so that they can give me access to the account. I have sent all the required info ( passport, utility bill, SSN, ID ) I have been following up on this matter regularly with Experian but they keep saying that they don't have any updates for me 4. I have uploaded my info on Experian, sent faxes, emailed and called them but there has been no resolution to this and no progress. Experian has not even been open to giving us a resolution timeline.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested to have a 30 day credit remark removed from my credit report due to a banking error as well as several error 's on the company 's behalf from XXXX 2020. I made the payment within the 30 day window but it was processed outside of the 3 day timeframe the company mentioned. The payment was rejected and I was notified by my bank. I attempted to correct the payment within the 30 day period on the XXXX day but the automated system was not accepting payments. Not to mention we are in the mist of a pandemic where there is a stay in place order and making a payment by any means is not easy. I made another attempt on the XXXX day which was not credited until the XXXX day. Causing the account to be 31 days past due and a negative remark on my credit. This remark is not fair to the consumer as it drops your score significantly for at least a 2 year period up to 7 years. This is not the case for business reporting. It impacts the consumer through higher interest rate on anything purchased and unfavorable loan conditions which really financially hurt the consumer over a long period of time. I understand the company has to report accuracies under the FCRA guidelines. However, to not have any other options when there is an issue and to have this great of impact is not equal and a violation of rights. This needs to be addressed overall because this really puts additional financial burden on consumers during a time of uncertainty when it was really a not the consumer 's fault solely.
Product: Consumer Loan

traded in a leased vehicle during final months of lease term for an XXXX leased vehicle in XXXX, XXXX. All final lease payments and terms were paid to US Bank per their payoff demands in the transaction. I just received a property tax bill for the entire year of XXXX from US Bank ( on XXXX/XXXX/XXXX, more than 4 months after completing final payoff per US Bank demands ). Called US Bank to dispute, was told that I can do what I want in regards to the bill, they will submit report for non-payment to credit reporting agencies if I choose not to pay. Not willing to remove charge for property they have already received final payment on ( 4 months prior ).
Product: Mortgage

You've asked CFPB to assist you with the application of funds and foreclosure.

There is not one complaint form that asked you to assist with funds and forclosure.

I've asked you to send to prosecution for criminal activity. that is a bit different that assistance with an application, don't you think?

You have complaints all the way back to XXXX XXXX. Hopefully you've replaced most of those employees or retrained them to work for us Americans instead of whatever country you think you represent. fix it.

Pick a File number and read it and that will be what happened. You should have it memorized by now.
Product: Checking or savings account

I have an account with Robinhood Financial LLC XXXX XXXX XXXX. 

I have {$2300.00} on the account and they will not let me withdraw it nor will they allow me to close my account and then withdraw it. 

They wanted to verify that I own the bank accounts that I used, and I supplied them with all the documents, including bank statements that prove that I am the owner of the accounts. However. they did not allow me to withdraw my money because the XXXX XXXX XXXXXXXX statement I provided was a photo and not a PDF. I now can not get a PDF bank statement from XXXX XXXX XXXXXXXX as I closed my account with them. 

I also do not use XXXX XXXX XXXXXXXX for more than XXXX years now. The bank account I used to deposit funds on XXXX was another account who's statement I provided. 

I have exchanged multiple emails with them for months now and it's ridiculous that because of a format that I can't get my money out! I can't even close my account!
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation and Removal of Inaccurate Information Dear Consumer Financial Protection Bureau, I am writing to address the ongoing issue of inaccurate account information on my credit report that has not been removed following seven unsuccessful reinvestigations. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and related laws. 

Basis for Dispute : I have previously submitted multiple disputes to Experian regarding inaccuracies in the account listed below, providing clear evidence of the errors and requesting its removal from my credit report. Despite seven reinvestigations, the inaccurate account remains on my credit report, which is a clear violation of the FCRA and applicable regulations.

As per Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA and 15 U.S. Code 1681i ( 5 ), if a reinvestigation does not resolve the dispute, the credit bureau is required to delete the disputed information. The repeated failure by Experian to remove this incorrect account information has caused me significant financial harm and distress. 

Account Information : Account Number : XXXX Creditor Name : XXXX I request that the Consumer Financial Protection Bureau investigate this issue and take necessary legal action to ensure that Experian complies with the FCRA. I am also requesting the immediate removal of the inaccurate account information from my credit report. 

The inability of Experian to properly handle this matter has negatively impacted my credit standing, and I am seeking your assistance in enforcing the legal obligations Experian is required to meet under the FCRA.
Product: Credit card

We were mistakenly charged {$49.00} from Best Buy and never received a statement. Not being aware of the purchase on our Best Buy/City Bank card , we didnt make a payment and we were charged late fees and interest charges. We called Best Buy and City Bank multiple times and received the worst customer service. Within a few days after the late status, our account was sent to collections and we received a voicemail stating that fact. All this because of a purchase that we never approved! We have dealt with multiple credit card companies and were never treated like this before. 
This is a fraudulent business practice of Best Buy charging an account without the consumer approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

After contacting Equifax over seven times after supplying them with multiple FCT and Police reporting regarding being a victim of the Equifax Security Breach and Identity Theft They refuse to comply with FCRA 605 B telling me that inquiries are factual information. Not when they are fraudulent they are not!
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX, CA in XX/XX/XXXX for a 36-mo.  term. XX/XX/XXXX I decided to lease a new vehicle from XXXX XXXX XXXX in XXXX, TX. At that time XXXX XXXX contacted XXXX to obtain the payoff amount to pay off the remainder of the lease term. XXXX XXXX mailed on XX/XX/XXXX a check in the amount of {$6000.00} per XXXX XXXX XXXX 's ( XXXX ) instructions and the check was cashed the following day XX/XX/XXXX. Within days of leasing a new car from XXXX XXXX, the XXXX was shipped from Park Place to the XXXX at XXXX XXXX XXXX. The XXXX at XXXX XXXX made the shipping arrangements. 

I never had any contact with XXXX after I returned the car and XXXX XXXX paid off the remainder of the lease. 

On XX/XX/XXXX I applied for a mortgage loan and found that late pays in XX/XX/XXXX and XX/XX/XXXX and a charge-off was reported on my credit in XX/XX/XXXX and XX/XX/XXXX. I immediately contacted XXXX to find out why. They told me the car was returned XX/XX/XXXX and they did not receive a payoff payment XX/XX/XXXX. This was alarming to me because I had not been in possession of the XXXX since XX/XX/XXXX and I have a copy of the {$6000.00} payoff check that was cashed by XXXX. I then requested a full payment history that details the source of who the payments were coming from and a vehicle return receipt and photo ID showing who returned the vehicle. XXXX kept passing me around and refused to provide the documentation I requested. I finally spoke to XXXX in the Recovery dept of XXXX and he sent me a simple payment history ( without details of where the payment source came from ) and it shows that XXXX did not record that they received the {$6000.00} and that someone had been making payments on the XXXX up until XX/XX/XXXX. He told me that XXXX spoke to me on XX/XX/XXXX about damages on XXXX. That conversation did not take place with me because I had not talked to XXXX since XX/XX/XXXX. 

It is apparent to me that a XXXX employee must have taken the XXXX after it was shipped to California in XX/XX/XXXX, drove it and made payments on it without my knowledge or consent, stole my identity, and returned it on XX/XX/XXXX. XXXX either failed to report the payoff check or an employee intercepted the check and fraudulently cashed it. I found out that the XXXX at XXXX XXXX, who I leased the XXXX from and who I shipped the XXXX back to in XX/XX/XXXX had been fired and is no longer working for XXXX. XXXX refuses to provide me any information proving who returned and made payments on the XXXX. I believe XXXX is passing me around and refusing to provide pertinent information about my account in an effort to avoid proving their liability in this apparent fraudulent activity.
Product: Debt collection

I have made this company aware that I am a Victim of identity theft. This Company has ignored a police report with Verification that I am the victim of identity theft. This company is reporting fraudulent information on my credit report. I have told them that during the time in question I reside in North Dakota and sent proof. I have also told them that I am and have always been on XXXX. Additionally any bills that I accumulated while on XXXX they would 've paid. It 's also AGAINST THE LAW TO BILL SOMEONE WHO 'S INSURED WITH XXXX FOR ANY OUT OF POCKET MEDICAL EXPENSES. IVE HAD XXXX SINCE 1980 UNTIL NOW.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX XXXX XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft Please Remove Late Payment Account XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXXXXXX XXXX  Account opened XX/XX/XXXX Dear, Experian I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXXXXXX XXXX XXXX. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

Someone has been hacking my Marcus by Goldman Sachs. 
XX/XX/year> some from antacortes Washington changed information on my acct XX/XX/year> XXXX charges were attempted {$100.00} and {$120.00} XX/XX/year> someone at XXXX called to increase credit limit XX/XX/year> called to update info and needed an email address. We gave them a not used much email address XX/XX/year> received email from unknown person to the email we gave to the credit card people Called credit card people alerted them to the email received today. Was told to file police report, done.