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

My place of employment has been closed since late XXXX and is still closed. 

We are having difficulty paying our bills, particularly our credit card debt. We have debt with Chase Bank on a Southwest Airlines Visa credit card. 

Chase continues to charge us what we consider to be the exorbitant and usurious rate of 15.99 %. We have never missed a payment and are shocked that they continue to charge such high interest when interest rates are at historic lows. We have called them several times ( the last was on XX/XX/2020. We don't recall the two times we called previously. ) to request a reduction in our rate during these tough times. Chase has refused our requests. 

Surely, you must have other constituents suffering the same fate. Is there any way you can intercede on our behalf and the behalf of others who must be in the same situation as we are with Chase? We want to pay our bills but Chase is making it exceedingly difficult to do so. 

Thank you for any help you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX ( XXXX ) - ( XXXX ) XXXXXXXX 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

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 Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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: Checking or savings account

Bank of America has me in XXXX XXXX listed as fraud from XXXX. I tried to open a account online and was told to go to a branch with 2 forms of id which I did. But they still has it listed as fraud in XXXX XXXX and on XXXX and I don't know who else. I just keep being denied. I can't even open up a business account which I need to. This is hindering my life at no fault of mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called, wrote and disputed this situation with Experian on countless occasions and yet has Experian handled this properly. Experian is reporting incorrect information on my credit file. The information that's reported is a civil judgement with XXXX XXXX XXXX. Upon my own investigation on the civil judgement I learned that Experian has not been in compliance. Neither Experian or anyone else has ever contacted the District Court to verify that in fact the said civil judgement that they're reporting on my credit profile actually belonged to me. Experian has not verified the accuracy ( time/dates, name, birthday, social security number etc. ). Experian told me that the information was verified through the District court but when I went to the District court the  clerk informed me that they don't share information with 3rd parties, nor do they ( the courts ) report information to 3rd parties but most importantly no one has been in to verify/ update information. So, according to the FCRA I am exercising my rights to resolve this issue.
Product: Credit card

Company wrote off balance has a tax break. Has not provided 1099C to me.
Product: Credit card or prepaid card

I was solicited by Home Depot to open this credit card and used it to purchase some new appliances for my home. I was promised 0 % interest if the principal balance was paid off within two years. I was reluctant at first since I had plenty of money in my bank account but feel I was aggressively persuaded by the store representatives to open the credit card. After opening the credit card and charging the purchase, I made multiple attempts and phone calls to Home Depot to set up automatic recurring payments to ensure it would be paid off within the two year interest free time period. In one of the recorded phone calls I asked verbatim So the automatic payments are set up so it will be paid off within 2 years? and the young lady representative responded Yes. And now, Home Depot mysteriously does not have record of the recorded call and are charging me an absorbidant amount of interest. I can show substantial proof that at the time of purchase then and now, that it is financially feasible for me to pay for these appliances outright with my own bank account. However, due to the unfair solicitation and improper set up of automatic payments and record keeping by Home Depot, they are now charging an exponential amount of interest. I contacted them concerning the issue in XX/XX/2018 and they have no record of that phone call either. So no record of any recorded phone calls and no record whatsoever of my phone call in XX/XX/2018. However, I guarantee that there is a record to show that they set up the automatic payments for me. I have already paid off the entire principal balance and would ask Home Depot to completely remove the questionable interest charges. If this dispute can not be resolved amicably, I will have no other recourse but to seek legal counsel which I would prefer not to do. Kind regards, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After extended unemployment, we experienced a XXXX foreclosure on our home. It went to auction and sold for enough to pay off all loans and liens. Chase Bank, who had our 2nd loan for {$69000.00}, then charged off their loan in XXXX despite it having been paid off and closed previously in XXXX. Chase called near the end of XXXX to collect on a figure that wasn't even part of any paperwork I had seen ( saying we still owed {$0.00} on the loan ). I thought I had rectified the issue, but I come to find out that they charged off the loan in XXXX when in appeared on my credit report. I called to correct the issue and on 3 different occasions was told different amounts that were owed ( ranging from {$750.00} to the original amount to being told it was verified as paid off ) As of XX/XX/XXXX I have passed along all of the documentation from the county including the check that was sent to Chase and their legal team but can not get a timely resolution to the issue and I need to purchase a new vehicle. I am currently considered an unreliable loan applicant due to this " charge off '' strike on my credit report. I just need to get this issue resolved once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is in dispute of the XXXX XXXX 30 days late payment that has been reported for XX/XX/2021. 
XXXX XXXX has reported that my XX/XX/XXXX payment was not paid on time. The image below shows the receipt I was given on XX/XX/XXXX when I paid the bill in my local store. It wasn't until my XXXX statement that I was made aware that XXXX XXXX did not process the check and reversed the payment of the XXXX statement making the payment >30 days late. When contacting the XXXX XXXX finance department they claim the check did not process, could not give a reason why and said that I would have to provide a canceled check in order for them to remove the negative credit report because it wasn't their mistake. Since my bank never received the check for payment I can not have a canceled check. Clearly it was XXXX XXXX issue since they received the check and provided the receipt and XXXX balance until the next month when the reversed it. My bank has also confirmed that the check was never processed or presented for payment. It is clear that XXXX XXXX lost the check somewhere between their store and the payment processing and is trying to collect on a mistake they made. This is an unfair credit reporting issue and I am demanding that this negative report be removed as soon as possible. The attached documents below show the receipt and Bank statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on my credit is incorrect and due to the incorrect information my credit score dropped 149 points. The incorrect information is ; there was a Transition of mortgage companies, from XXXX XXXX, Loan number XXXX to XXXX XXXX XXXX, Loan number XXXX. This was never a late payment, just a Transition Account. Will nee to correct XXXX XXXX  XXXX, not as Account closed but as a Account Transition and must not show a not current payment status. Balance was paid in full every month. 
Contact information ( XXXX ) XXXX. The Accuracy for this account is incorrect, it has incorrect information on my credit report. This effect my payment history/rating making it incorrect. The information in the Remarks field is incorrect. 

Also, There was an incorrect charge of {$3100.00} added to my Wells Fargo account, account number XXXX. This incorrect charge also caused my credit score to drop 149 points. This charge should never have been on my credit report, however now that the company has removed the charge from my credit report, my credit score has not recovered to the original +149 points. Contact Information ( XXXX ) XXXX.
Product: Payday loan, title loan, or personal loan

Rise/ECS has account opened on XXXX for a unsecured loan in the amount of {$2500.00} using my identity fraudulently. The account in question was charged off on XX/XX/2021 totaling {$4400.00}. Dropping my credit score 60 points or more. I sent a certified letter to " Rise/ECS on XX/XX/2021 informing them I was a victim of identity theft and requesting verification of the initial contract, and that this account is inaccurate. The certified letter was received on XXXX XXXX. I also sent certified letters to the 3 credit bureaus XXXX XXXX XXXX on XX/XX/2021. I received a follow up email on XX/XX/2021 stating : Please Note Rise Credit is the original creditor for my Rise Loan and is not required by the Fair Debt Collections Practices Act ( FDCPA ) to validate debt for any Rise/ECS accounts. Since, then I sent another certified letter to Rise/ECS on XX/XX/2021 it was signed for on XX/XX/2021. Follow up letter was received on XX/XX/2021 dated XX/XX/2021 stating the following : Thank you for notifying us of your concerns regarding an account opened in your name at XXXX. We reviewed the documentation you sent us and our investigation results dated XX/XX/2021 determined that this account was not opened fraudulently. I also advised the 3 credit bureaus XXXX XXXX XXXX XX/XX/2021 to delete this account from my credit reports because it was fraudulently and inaccurate. XXXX is actively requesting Rise/ECS to remove this inaccurate information from my credit reports. Also, XXXX  has removed all Rise/ECS inquiries from my credit report. Along with providing freeze protection on my XXXX  credit file without hesitation.
Product: Debt collection

On XX/XX/XXXX I notified Credit Collection Services that absent any legally binding contract between myself and Credit Collection Services, I will not be forced to do business with them and to cease and desist any and all collection actions against me. I informed Credit Collection Services I would not be extorted. Also that reporting of negative accounts to the credit bureaus was a form of extortion and respectfully to get off my credit file. 

As recently as XX/XX/XXXX Credit Collection Services is still reporting and validating an account I do not owe them. At this point I am reaching out to report their illegal activities in preparation of further legal remedies to stop this abuse and harm to my financial status, as the reporting has damaged my fico score and cost me to become ineligible for funding, loans and credit. 

It has also resulted in me being charged extremely high interest rates on my vehicle loan. Credit Collection Services was placed on notice by myself more than 90 days ago to cease their illegal practices, Yet continues to ignore and disregard the severity of their atrocious actions. It has been close to 3 years to be exact! I have attached copies as proof to this communication in the form of my certified proof of mailings delivery receipt via USPS, the C & D letter, as well as a screenshot of the account being reported to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these excessive inquiries to anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Debt collection

I checked my credit report and found this account never get any notification no way to reach my account with the original creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

2 Months agoreceived your correspondence on this alleged accounts in my file stating you verified or updated, these accounts was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset.
Product: Credit card or prepaid card

On XX/XX/2021, I made a purchase from XXXX for a XXXX XXXX color inkjet printer. It seemed strange to me that such a website ( that appears to sell women 's hair products ) would be selling a printer, but I took the chance. I never received any email or order confirmation from the website. I paid via my PayPal Credit account, which was charged on XX/XX/2021 for {$110.00} - the item price of {$99.00} plus shipping and tax. The seller as listed on PayPal Credit was XXXX XXXX XXXX. After two weeks of not receiving the product, I filed a complaint with PayPal on XX/XX/2021. They contacted the seller, who returned a XXXX tracking number, XXXX, as proof that the item had been delivered. However, this was just a tracking number and did not show any addresses or proof that it meant a printer had been delivered to me. In fact, the weight on the shipment is listed as XXXX lb., while I ordered a 70+ lb. printer. Having not heard a satisfactory resolution from PayPal, I proceeded to file a claim with PayPal Credit, which yielded no results. They closed their investigation, deciding that no fraudulent activity had occurred. I filed several complaints to no avail. Any attempt to reach the seller directly failed.
Product: Credit card or prepaid card

Due to recklessly poor security on behalf of Discover Bank, an individual was able to steal my mail- and shockingly without any protection or additional verification required by Discover during an activation process- was able to go on a spending spree at a mall that maxed out my card. Discover then falsely reported that I had maxed out my credit card to the credit bureaus. Discover refuses to timely remove the false credit report and the fraudulent billing in my account that was caused because of the gross reckless incompetence of their process that allows some random person to activate a stolen credit card without any checks.
Product: Credit card

I signed up for a Citi Double Cash Card because of the {$200.00} sign-up welcome offer which the terms and conditions of can be viewed here : https : //www.citi.comXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

When I completed the requisites for this offer, I never received the {$200.00}, when I questioned Citi Bank, they informed me it is because I did not sign up with a code given to me in the mail. 

If you read the entirety of these terms and conditions, there is no mention of needing a invitation letter to receive the {$200.00} bonus. On this sign up page, it states " Earn {$200.00} cash back after you spend {$1500.00} on purchases in the first 6 months of your Citi Double Cash card account opening.XXXX '' Upon viewing the superscript for this offer, it does not mention this welcome offer requiring a letter with a verification code in the mail either. This is true when viewing the full terms and conditions as well. 

Again, there is NO mention of this in the TERMS AND CONDITIONS and the SIGN UP page for this credit card. 

This is fraud. 
Citi Bank is unable to provide a section in the terms of agreement for this credit card that states that a letter with a code is a requisite to claim the welcome offer.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

The checking account from which my Wells Fargo credit card was paid from changed and as a result I needed to change my automatic payment detail on their website. I attempted to login and was repeatedly prompted that my information was incorrect ( using credit card, account and social security numbers ). I then tried to call the company and make payments over the phone, however, my card was no longer in the " normal '' card services and was only available for payments during XXXX-XXXX MT. Essentially, I was continually unable to pay the monthly amount because of this and several " referrals to a different agent '' despite sending several messages for the past three months. This has negatively affected my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters to Experian back in XXXX and the report came back that it was reported correct. But XXXX  XXXX  corporate office they show no record of me having an account with them. Credit bureau telling me these are information they getting from creditor. So I ask them to validate it show me and the guy told me he couldnt.
Product: Credit reporting or other personal consumer reports

This account is being inaccurately reported without proper verification as I am entitled to by the FCRA Laws and my Consumer Rights. Also this account is not in compliance with IRS regulations and is potential Tax Fraud