23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I received an offer from Chase Sapphire Reserve for 0 % interest balance transfer through XX/XX/XXXX. I took advantage of this offer and paid about {$800.00} one time fee to take out the loan. 

The following month ( XX/XX/XXXX ) I called Chase to confirm how much money I needed to pay to cover my monthly purchases in order to avoid interest there, while also not affect my 0 % balance transfer total ( this information was not available on the platform ). Despite being told a $ number and making that payment, I still received charges for interest despite paying off the purchases total on time. When I called Chase they told me that my account had been changed to a revolving account, which meant that due to the balance transfer, all of my purchases ( even if they were paid off in full every month before the due date ) would begin to accumulate interest daily. 

As such, I paid {$800.00} to take out a 0 % interest balance, only to then find out that this product changes my account status to charge an unavoidable daily interest rate for any and all other purchases on the same card. They also confirmed that they would not reverse the balance transfer fee even if I paid it back. 

Since the card charges XXXX XXXX  year, I am faced with paying this while also avoiding card usage to prevent any additional interest. Or, I pay off the 'interest saving balance ' this month which includes the original 0 % balance that was meant to be free of interest through XX/XX/XXXX- and lose the {$800.00} fee I paid to take it out in the first place. 

I have been a Chase customer for XXXX  years - I have never experienced such blatant abuse of customer marketing. Please hold them accountable for this.
Product: Credit reporting or other personal consumer reports

ive been iXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> all accounts on my report are not my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX I am writing to file a formal complaint on noted company due to the fact I have been making payments religiously on my Capitol One account .. I had payment arrangments via XXXX XXXX XXXX XXXX XXXX company. My payments were sent on time each month. I contacted XXXX XXXX XXXX today and they stated my final payment was sent on XX/XX/XXXX which means this account has been paid in full. Capitol One immediately turned around and reported to the Credit bureaus that I had the following late history. -- Worst payment status 120-149 Days Late Times 30/60/90 days late XX/XX/XXXX I contacted Capitol One today to try and resolve the matter. They stated I needed to go through the dispute process. I currently have a dispute on this company regarding reporting ; so could not readily file another dispute unless bia mail. 

I am currently in the process of appyling for a mortage and was working diligently on repairing my credit. This recent report in the middle of my credit filing caused my current credit score to drop 114 points causing me to possibly lose approval for housing. They are incorrect in this filing in so much I was never late like this and it is not fair for them to file this status on my credit report.
Product: Money transfer, virtual currency, or money service

My phone was stolen in XX/XX/year>. Fraudulent Zelle transactions were attempted from my bank account with XXXX and were prevented. Now, my Zelle account has been permanently restricted and I can not use the service at all. Zelle is integrated into the XXXX XXXX app, and there is no alternative to transfer funds electronically with no fees within the app. Zelle has a monopoly on this. I have reached out to XXXX, and they transferred me to Zelle, and neither party provided any resolution or process to resolve this issue. Upon researching this issue, it seem MANY other people are having this problem with Zelle, and no resolution is available at all. I have never used Zelle myself, and I would like to make instant payments for rent and other bills, but because of someone else 's actions through no fault of my own I am permanently banned from using the service at all. This is not a fair way to do business and this industry needs to be regulated or shut down entirely. There is no need for Zelle, XXXX, XXXX XXXX, etc in XXXX. People can send money directly to each other by sharing an account number and all these services are irrelevant. Why can't we have the same in the US?
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. This account is reporting late as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( XXXX XXXX XXXX XXXXXXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized/unsolicited Hard Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB CARD SERVICES 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
Product: Credit reporting or other personal consumer reports

I did not authorize any of the accounts listed below to obtain a copy of my report. For I am a victim of identity theft. I DO NOT HAVE A CONTRACT WITH THESE COMPANIES. 

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 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
Product: Credit reporting or other personal consumer reports

I reviewed my Equifax Credit Report and I noticed the following Credit Inquiries I do not recall giving authorization to have those inquiries on my file. 

Please remove the following inquiries from my file. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Furniture Salvage XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

I made a payment to my Discover card on XX/XX/XXXX through the app with a Discover savings account. Later I found out that the payment was returned and I was charged a {$30.00} returned check fee. I think the charge is not justified because - I had this account for years and used it to pay for the same card multiple times in the past without an issue- The savings account has enough funds and I've used it several times after the event on XX/XX/XXXX without any issue- I used the pre-populated option on the app which had been consistently working until the event So I called the bank but the reps are very dismissive and refused to adjust the fee. They claimed that I put in the wrong account number, even through I repeatedly told them I used pre-popoulated payment account. I asked them to provide proof that I entered the wrong account number or even that I entered anything and they couldn't, and they still rejected my request. This concluded my interaction with the bank as they're not interested in solving my problem, just deflecting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CRA Mgr ; Listen, i was going through my credit again this morning and noticed that this XXXX  Account # XXXX is still showing on my credit report as a charge-off status with multiple inaccuracies, and incomplete and misleading information. There is no way that this account was truthfully investigated because it continues to report 3 different high balance, different actual balance, different dates of last active, different dates of last payments, and a closed chargeoff account, shouldn't reprot any late payment and c/o on payment history. This is incorrect reporting and it's in violation of fcra and its illegally causing this account to re-aged.
Product: Mortgage

On XXXX at XXXX ; XXXX XXXX PST case number XXXX XXXX XXXX XXXX, XXXX, XXXX for XXXX XXXX  XXXX XXXX, XXXX Mortgage Pass Through Certificates. U > S > Bankruptcy Court District of Oregon sited ( No Proof of Claim Filed. 

On XXXX XXXX XXXX the property listed at XXXX XXXX. XXXX XXXX, XXXX, Or XXXX was sold by XXXX County Sheriff 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card

My credit card was lost and charged the amount of XXXX at a tire shop in XXXX. I reported the card because I didn't authorize that transaction nor do I live in XXXX.it was handled, so I thought only to be put back on my account months down the line and I have been having this issue since XX/XX/2023 2023
Product: Credit reporting or other personal consumer reports

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 I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 

Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Product: Credit reporting or other personal consumer reports

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( KEYSTONE CREDIT SERVICES ) ( XXXX XXXX XXXX XXXX ) LAST REPORTED DATE XX/XX/XXXX, bureau ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ) ( XXXX XXXX ) LAST REPORTED DATE XX/XX/XXXX. ( date last active ) reporting differently on each bureau ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) LAST REPORTED DATE XX/XX/XXXX. ( date last active ) reporting differently on each bureau ( XXXX  XX/XX/XXXX ), ( XXXX XX/XX/XXXX ) reporting differently on each bureau ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act XXXX XXXX, XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I made a mistake and sent Capital One {$15000.00}. It was intended for Capital XXXX XXXX loan payment. Called Capital One and they said I had to get the money by via my XXXX XXXX. The Capital One would not let the XXXX XXXX pull the money back. Called Capital One again and they said they would send a check in 3 weeks. I would like to have the 8.5 % interest I will have to pay on my mortgage for 5 weeks since Capital One is holding my money. They also said I would not get the full {$1500.00} as they were paying down my credit card. I have never been late and have always paid my credit card on time. I think they are being unreasonable and hurting their customer.
Product: Credit reporting or other personal consumer reports

This account was opened XX/XX/XXXX with a 72 month term. There are several inaccuracies on my credit report stating the account was opened on XX/XX/XXXX. Account detail doesnt show auto loan. Date last active was XX/XX/XXXX. Its showing other date XX/XX/XXXX and XX/XX/XXXX. It was last active on XX/XX/XXXX. Date of last payment is showing XX/XX/XXXX and its was actually on XX/XX/XXXX. These inaccuracies is manipulating my credit worthiness and hurting my ability to obtain credit. Experian has failed to investigate properly after Ive repeatedly asked to have the account update. My request has been neglected once again and is violating my consumer rights. I am demanding the deletion of the account named- XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

CAPITAL ONE XXXX XXXX XX/XX/2023 payments are marked as late XXXX XXXXXX/XX/2023 payment is marked as late
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of XXXX, I submitted a request to remove a fraudulent account on my Experian credit report of a XXXX XXXX Credit Card that I did not open nor did I sign any documents for. I never saw the account on my file until it became maxed out, then delinquent and then charged off. No explanation was given and this was opened during the massive XXXX XXXX fraud case and I suspected it was the case but when I went to complain to Experian, they contacted XXXX XXXX and of course they updated or " Verified '' the account but never sent me any documentation as to why that would be the case. The Charge off on my credit report is completely fraudulent and was never opened with my persmission.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of an account on my credit report that was originally owned by XXXX  XXXX XXXX. The account in question is referenced as XXXX on my credit report. 

According to my records, this account was sold by XXXX  XXXX XXXX to a debt collection agency by the name of XXXX XXXX XXXX. Despite this transfer, XXXX  XXXX XXXX is still reporting this account as being owned by your institution, which is both inaccurate and misleading. 

Under the Fair Credit Reporting Act ( FCRA ), creditors and furnishers of credit information are required to report accurate and up-to-date information to credit reporting agencies. In this case, the reporting of this account as owned by XXXX  XXXX XXXX is incorrect because the debt was sold to another entity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke to XXXX ( XXXX ) in the Office of Consumer Affairs with Equifax XXXX XXXX XXXX on XXXX XXXX at XXXX am. I also spoke with XXXX ( XXXX ), I also spoke XXXX as well and she provided her employee ID ( XXXX ). I have also spoken with XXXX ( XXXX, and unfortunately, none of the agents wanted to assist, even though I am assigned to this department. I provided account number of XXXX XXXX, ( that was deleted from my file in XXXX XXXX, and placed back on to the file in XXXX XXXX. I have spoken to Equifax Office of Consumer Affairs, until this date they have continued to violate my consumer protection rights as a consumer. They have issued my consumer report to a third part agency ( XXXX XXXX ) listing the items that are fraudulent on my credit report. All of the agents above have stated that they are not able to assist me, at this time over the phone, I have filed Mutiple complaints through the CFPB regarding the Equifax Office of Consumer Affairs, and nothing is done. Please help me to understand how an agency that is issuing consumer reports are able to not keep accurate information and continue to report fraudulent information to third parties regarding my consumer. Also, the calls are outsourced to foreign places outside of the XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I saw an offer on XXXX about an XXXX XXXX XXXX selling for {$260.00} and {$20.00} delivery fee because we split the delivery cost by half. I chatted with him and he sent me the XXXX account and its to XXXX XXXX XXXX and I paid him {$150.00} but XXXX saying that my payment requires additional review so I thought it got cancelled. Then he shared his paypal account XXXX XXXX XXXX and I sent him {$150.00} also. But then the XXXX  payment went through but he said he never received it and will try to refund the money on the XXXX. From XX/XX/XXXX until XXXX he said that he is still trying to recover the fund and I offered him another {$130.00} to send the watch ASAP with paypal. The next day he told me that he cant find my address even though my address is correct and Ive used XXXX to my home address previously. 2 days after that on XXXX XXXX, He said that his fianc thinks he sells it to low and demanded {$50.00} more so I did sent to his paypal again then he said that he was on the way to USPS. On XX/XX/XXXX he said that he got arrested on his way to USPS and he is super broke then he offered me a check from his investment and I agreed to it. On XX/XX/XXXX I got the check from him and my back said that I can use the fund on XX/XX/XXXX but on XX/XX/XXXX the payer stop the fund on a check so I didn't get the money. He ghosted me away after that. His name is XXXX XXXX.
Product: Vehicle loan or lease

I am attaching the paperwork... I have had multiple payments not being applied to the payments, interest, extra on the loan balance, etc.
Product: Debt collection

I have gas payment programs for XXXX XXXX and XXXX. I had a couple transactions come back resulting from Non-Sufficient Funds. XXXX XXXX and XXXX used CheckRedi of Kentucky ( based in XXXX, Kentucky ) as their debt collection. I first received a call from them. I have also received numerous texts from them. Not only have they been calling my number numerous times throughout the day ( numerous days as well starting from XX/XX/2021 ) they have also sent me numerous texts. In addition to the many calls they place, they also texted my family members ( sister and father ) AFTER I already successfully made contact with them to discuss my debt/gas programs. I have screenshots and evidence to provide in regards to the excessive calls, texts, and the contacting of my family members. Lastly, I never received written notice from them regarding any debits or any notice saying I could dispute it until AFTER I already initiated payments to them to resolve the debt. 

I believe CheckRedi has violated sections : 805 ( b ) & 806 ( 5 ) of the FDCPA act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity using it open several accounts including renting a home online thru XXXX XXXX for rent renting furniture from conns
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several certified letters to get charged-offs and collection accounts deleted due to factual information submitted to the credit reporting agency from my name being incorrect, address incorrect, date of last activity different on all three bureaus, account numbers different and more. They did nothing but sent letters stating that the information was verified. I even sent a method of verification letter and I did not get a response to that from anyone. Therefore, I have no choice but to go this route to see if I can get some type of results.
Product: Checking or savings account

The Chime app occasionally locks me out of it and unlocks my card without my knowledge or consent. I also think the app shortens the deposits being made to me. The app is stealing a portion from all deposits. Like 1-10 percent. I also hardly receive the refunds from my disputes when someone accesses my card without my consent.
Product: Vehicle loan or lease

Consumer credit sales 15 u.s Code 1695 a XXXX XXXX Paid XXXX down payment XXXX XXXX Tennessee Santander consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth 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. XXXXXXXX XXXX  XXXX Balance : {$21000.00} ; XXXX XXXX : {$56.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXXXX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022 XXXX