23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX. I called Chase on XX/XX/year>, on or around, XXXX XXXX  PST. The first agent was a XXXX in the XXXX. I asked her to transfer to XXXX XXXX Department. I was then incorrectly transferred to customer service. I was transferred to a XXXX agent in Texas who said he was not the payment services dept. I was then cold transferred by the Texas agent to a XXXX named XXXX in Texas. She had no idea who I was or why I was calling and I had no idea what dept. she was in. Agents should not cold transfer ( XXXX transfer ), when the customer is requesting a specific department. Agents should warm transfer. 

XXXX. XXXX named XXXX in Texas engaged in call avoidance and willfully and deliberately disconnected the call on me. It was later brought to my attention that XXXX notated my file with false and misleading information that mischaracterizes me. Her notes indicated I used profanity ; which I did not. 

XXXX. I called back on or around XXXX XXXX  PST. I spoke to a male pinoy ( in the XXXX ) named XXXX ( sounded like ice ). I asked him to transfer to the XXXX XXXX XXXX. XXXX transferred to a XXXX named XXXX in XXXX, XXXX, in customer service. This was the wrong department yet again. 

XXXX. XXXX XXXX  PST. I spoke to XXXX in XXXX, XXXX. She is a XXXX account supervisor. Both XXXX and XXXX were nice and professional. XXXX submitted complaint XXXX no. : XXXX I seek to hold Chase and its agents account been for wrong transfers, cold transfers ( XXXX transfers ), and engaging in call-avoidance. This is unacceptable and inappropriate and causes and undue delay. In addition, XXXX XXXX is too difficult to get to an agent and needs to be ameliorated.
Product: Mortgage

I was approved for a loan modification in XXXX of XXXX. Due to COVID 19, the company extended three trial payment through XX/XX/XXXX. The trial modification was to include removing my former wife from the loan documents. Now after they have taken my money once again they still say they can not remove my former wife from the loan. I have asked and have been told numerous times how it must work to remove my former wife any number of times. I have written documentation from the Ombudsmen from XX/XX/XXXX that reads they in fact will remove my former wife name from the account, I have been going through this for 5 Years now, in addition I have offered to deal with this situation through a mediator. 

The loan was discharge through a bankruptcy, I was not told in could not be assumed.I have been trying to settle this for ages, how do I get some help here XXXX XXXX
Product: Payday loan, title loan, or personal loan

I borrowed {$600.00} with the understanding that the {$98.00} per week I was paying was the interest on the loan, and that I could pay off the principal at any time -- they just told me that if I paid it off this week, I would owe {$780.00} in addition to the {$200.00} in interest I have already paid.
Product: Credit reporting or other personal consumer reports

It has come to light that you are not removing the records, despite my submission of the FTC report. As required by Regulation 605b of the FCRA, I am sending this complaint to help establish a formal response. If you choose not to remove the items listed below, which are inaccurately reported due to fraud, I will turn over my documentation to my attorney to initiate legal action. My intent is to avoid any legal proceedings, so I urge you to comply with the law promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

In XXXX XXXX, I signed a credit card agreement through Home Depot that Citibank services which stated that I had 24 months of interest free financing. When I discovered that Citibank charged my interest on the principle after 6 months, I called Citibank to get this issue fixed. The rep said it was n't Citibank 's fault and that it was my issue and Home Depot 's fault for not sending Citibank the correct documents. Eventually, the rep said she would fix the account and apply 24 months interest free financing. That never happened. Since XXXX XXXX, I have called many times trying to get this resolved. Most recently, I called and talked with XXXX ( REF # is XXXX ) in XXXX XXXX. She was very resistant to resolving this but agreed to do it. It 's now XXXX XXXX and nothing has changed. What Citibank and Home Depot are doing is fraudulent. This needs to be fixed immediately. I have been charged literally thousands of dollars in interest fraudulently.
Product: Credit card

Dispute unfair billing practice and billing error since XX/XX/XXXX been in dispute since back and forth with Citi Bank Sears Billing @ billing about credit never added back to account after numerous attempts to solve these issues. Credit that was given back for the months of XX/XX/XXXX, Through XX/XX/XXXX and XX/XX/XXXX through now XX/XX/XXXX has not been added to our account.proof of credit that was apply was put back in purchase for those months which explain our over payment to Sears Credit Card ( Citi Bank ) who refuse to investigate the unfair billing error and refuse to fix the problem and refund our over payment to XXXX XXXX
Product: Credit reporting or other personal consumer reports

I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any information that I believe to be inaccurate or incomplete. I also understand that the credit reporting agency must conduct a reasonable investigation within 30 days of receiving this request.

Please consider this letter as my formal request for verification. I kindly ask that you thoroughly investigate these late payment entries and provide me with written confirmation of your findings. If it is determined that these late payment entries can not be verified, I request that you remove them from my credit report in accordance with the FCRA. 
The late payment entry listed on this account is erroneous. I have supporting documentation, such as bank statements and payment confirmations, proving that the payment was made on time. I kindly request that you review this information and make the necessary corrections. 

The late payment entry listed on this account is erroneous. I have supporting documentation, such as bank statements and payment confirmations, proving that the payment was made on time. I kindly request that you review this information and make the necessary corrections. 

I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any information that I believe to be inaccurate or incomplete. I also understand that the credit reporting agency must conduct a reasonable investigation within 30 days of receiving this request.

Please consider this letter as my formal request for verification. I kindly ask that you thoroughly investigate these late payment entries and provide me with written confirmation of your findings. If it is determined that these late payment entries can not be verified, I request that you remove them from my credit report in accordance with the FCRA. 

I have attached copies of relevant documents, such as payment receipts and bank statements, to support my claims. I trust that these documents will aid in the verification process. 

I appreciate your attention to this matter and your prompt response. Maintaining the accuracy of my credit report is of utmost importance to me, and I am committed to ensuring that all information reported is fair and accurate. 

Thank you for your assistance.

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

I discovered several unauthorized inquiries on my credit report that do not belong to me. Upon contacting each business associated with the inquiries, they confirmed they have no record of an application or contract tied to my name. I followed up by disputing these inaccuracies with [ insert credit bureau ( s ) here ], providing supporting evidence. Despite this, the inquiries were not removed from my credit report. It has been over 90 days! 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, credit bureaus are required to conduct a timely and thorough reinvestigation of disputed items and correct or delete any unverifiable or inaccurate information. Additionally, under 15 U.S. Code 1681b ( f ), a credit report may only be accessed with a permissible purpose. The presence of these inquiries without authorization violates these provisions.
Product: Credit card or prepaid card

In summary, since XX/XX/XXXX I have been disputing accounting errors with Discover. In spite of discussing with a dozen Discover Customer Service people over the last weeks, the situation has only worsened. Discover owes me more than $ XXXX, yet my balance is showing that I would owe Discover $ XXXX! 


On XX/XX/XXXX, I made an internet payment for the month 's balance ( of {$3700.00} ) by paying {$3400.00} through my XXXX bank account to my Discover card, as well as redeemed {$37.00} cashback bonus by paying into discover account. However, there was already a direct pay from my XXXX  account to discover to pay the full balance of {$3700.00} that shows under XX/XX/XXXX. In short, I overpaid discover card by {$3400.00}. 
I called up Discover to return the {$3700.00} back to my XXXX  bank account. 
The old card however needed to be closed down for security reasons, so Discover card gave me a new account number. 
Instead of getting the extra money I had paid to discover being reimbursed to the new account, the Discover card instead has now been CHARGING me for the {$3700.00} twice -- once on XX/XX/XXXX and another on XX/XX/XXXX. 
Instead of showing a balance of $ XXXX ( that is, money Discover owes me ), it is now recording a balance of {$11000.00} from XXXX XXXX XXXX. 
I have called many departments since XX/XX/XXXX, with the last being today ( XX/XX/XXXX ) and instead of getting my balance reimbursed, I have been fraudulently charged by Discover Card {$7500.00}. I get shuttled between departments ( customer service, billing and security ) without any resolved and additional charge. 
In short, I not only want my old credit transferred onto the new card, I want the XX/XX/XXXX and XX/XX/XXXX fraudulent charges reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that they delete the public record off of my report to maintain the integrity of my report if they can not verify directly from the source which would be the bankruptcy court. These agencies have denied my disput and marked them as completed and stated they determined that the information was accurate. Third party agencies are insufficient for the proper and accurate investigation and I have attached a letter from the court that states they do not report nor verify public records to the credit bureaus therefore they have not possibly been able to complete a true and accurate investigation which infringes on my rights and the FCRA. It appears that unfair and unreasonable procedures are in place. Prompt attention and reinvestigation is requested in order to comply with federal law
Product: Credit card

I was mailed an offer for a secured credit card. I was told that after 12 months of payments the secured credit card would become a regular credit card. In addition, I was told after 3 months I would be eligible for a credit increase. I did not get a credit increase after 3 months, and after 12 months of payments, I was told I would not be given a regular credit card. I requested to close the account in XXXX XX/XX/2014 and I filed a complaint regarding the credit card company not issuing me regular credit card. I would like to file an additional complaint for the credit company falsely reporting the balance owed on the account, not reporting the account was closed on my behalf, and causing a negative reporting issue on my credit report and transferring my account to a third party collection agency. I spoke with XXXX, an accounts recovery supervisor, I also spoke with disputes. I informed XXXX departments that the information reported was incorrect and that they needed to correct it. Disputes said if I got the CFPB involved I would need to speak with accounts. I spoke with accounts again, XXXX, said she would not correct the information.
Product: Credit reporting or other personal consumer reports

We should not have leads sold when we did not ask for our data to be sold. we should not have to opt out over and over and over again. it has caused massive distractions and phone calls that are not authorized.
Product: Debt collection

I did not receive any written notification about the debt and it is reporting in my credit reports : XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, This matter is with XXXX XXXXXXXX XXXX. I had a line of credit with them and each month I make a {$100.00} payment. In XXXX I made monthly payments as usual. Then I received a late notice ( I can not remember the exact date, but it was the later half of the year ). I called XXXX and found out my payments were going to an Unapplied Account, but they do see the payments and said they will move the funds over to my account. At that time, I did tell them that this had happened to me a few years back also ... my payments were being applied elsewhere, and then I would get a late notice, I had to call to get them to reapply it to my account... 
Then, a few months later in XXXX, it happened again, this time when I called, the Rep said the same thing again, that they see the payment but it's in the unapplied funds account. The difference this time was she told me that the loan had matured and I had to pay it off. So I said ok, and I paid it off. 
Fast forward to XXXX, I'm in the process of refinancing my home, and that was when I found out that XXXX reported me XXXX months paying late. I tried calling XXXX multiple times. First time they said their reporting is accurate, I tried disputing it but got no response. Third try got no response either. But the Rep told me she will send me the payment history on file and I can file a report with the Credit Bureaus. When I got that statement I sent it to my lender. He told me the statement was hard and confusing to read, which I do agree. But that goes to show that XXXX was messy applying my payments. So I printed out my payment history from my bank also, which clearly shows I made my payments each month, and made a payoff amount of {$4000.00} in XXXX. 
So my lender suggested I also file a dispute with the XXXX credit bureaus. He wrote the cover letter for me and told me to mail it with my payment history. So I Certified Mail them on XX/XX/XXXX. I received the Dispute Result letter yesterday XX/XX/XXXX. The results says the " Outcome Remains '' I feel that Experian also failed me. I sent in my payment history as proof that I was never late, and they didn't even take that into consideration. 
I would like to file this complaint on both XXXX XXXX  XXXX and Experian. XXXX XXXXXXXX XXXX for reporting inaccurate information and not correcting the issue, and Experian for not doing their due diligence on my behalf. 
I can send you the payment history statement that XXXX sent me and also my payment history that I printed out from my bank for you to review. 
Thank you for your time and I hope you can resolve this issue for me.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for violating federal laws by refusing to remove fraudulent debts from my credit report after I provided a valid XXXX XXXX letter. On XX/XX/year> and XX/XX/year>, I submitted a dispute to XXXX under the Debt Bondage Repair Act ( DBRA ) ( 15 U.S.C. 1681c-3 ) requesting the removal of debts linked to my XXXX  status. 

I provided all legally required documentation, including : A verification letter from CAST COALITION TO ABOLISH XXXX  & XXXX, a federally recognized organization. 
Proof of identity ( driver 's license, XXXX, and utility bill ). 
A copy of my credit report highlighting fraudulent accounts. 

Despite receiving my documentation, Transunion refused to remove these debts, falsely stating they could not validate my XXXX letter. This is a direct violation of multiple federal consumer protection laws.
Product: Checking or savings account

On XX/XX/19, I opened up a Chase College Checking account for myself ( account # XXXX XXXX. I did this partly in order to take advantage of Chases offer of a {$100.00} cash bonus. I submitted the required coupon code, and satisfied the requirements that I enroll in paperless statements and complete 10 qualifying transactions within 60 days from account opening. Chase promised to deposit the {$100.00} bonus into my account within 10 of completing all requirements. I have called Chase and visited their branch offices several times in order to ascertain why Ive not yet received my bonus. They told me that they have no record of a coupon code connected to my account and that without such a code, no bonus can be given. This is grossly unfair!! I submitted the coupon code XXXX XXXX XXXX, and have met all requirements. I believe that I am entitled to this {$100.00} bonus.
Product: Debt collection

Hi ERC ; I'm on the phone with the ERC representative XXXX XXXX Desk # XXXX and she said that the account was opened in XXXX Texas for XXXX and the remainder balance of {$1200.00}. First of all, I never lived outside of Massachusetts, and the variation of my name doesn't match what they have in the system. This error entered on my credit profile is costing me {$1000.00} 's of dollars because my credit score has dropped -87 points from 800 's into back in XXXX. I need this remove and any addresses associated with this fraudulent address. Again, this account doesn't belong to me and I need this permanently deleted from my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

Sunlight Financial changed biking addresses and my payment checked were cashed but the payments were not credited to my account. Resulting in late fees and XXXX  day late notices on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The law states that a consumer reporting agency shall block the information on the file of a consumer that the consumer identifies as identity theft within 4 days. Equifax received notice from on XX/XX//2023 that there is information on my consumer report that is a result of identity theft. Today 's date is XX/XX/2023, which means their company is currently two weeks notified. I have provided an identity theft report which identifies the items and appropriate proof of my identity. I have also provided a statement in my identity theft report that states that the information I have identified is not related to any transaction by me. Equifax is clearly violating federal regulations pursuant to 15 USC 1681n - willful non compliance. I will be filing a complaint with the Attorney General and seeking litigation if this issue is not resolved. I have attached the documents I have already provided on XX/XX//2023.
Product: Checking or savings account

This is follow-up to our our previous complaint # XXXX submitted on XX/XX/2021. A hold is still placed on {$6000.00} in our savings account for a suspected fraudent check that was deposited in our account, which we have pro-actively reported to Capital One to protect ourselves and have been following up on this matter since. We understand that the {$6000.00} is necessary to cover the bank loses in the event that the check returns/charged back by the remitting bank as stated on the response we have received from our complaint ( XX/XX/2021 ) and according to the representives we have spoken to. However, it's been XXXX year and XXXX months since the hold was placed. We would like to know if the hold can be removed -- if and when the check does not bounce back -- and how long is the maximum amount of time allowable for banks to put a hold on a certain amount. As expressed in our last complaint, as victims of whatever scam this was, my husband and I have already lost {$6000.00}. We just want to know if it the check has actually returned and if it is still possible to release this hold if the check, in fact clears. So far, we have not received an update from the " investigators '' assigned to this case. I don't see the point of holding the amount indefinitely in our account if the check does not bounce. Please provide us an update on the progress of this " investigation '' and on whether on not the hold has a possibility of being released at a point in time in the future, if the check still hasn't returned. Thanks
Product: Checking or savings account

Wells Fargo bank, XXXX and XXXX. On XX/XX/XXXX received an email from XXXX saying we had purchased 2 tickets to the XXXX XXXX XXXXXXXX and XXXX XXXX baseball game in XXXX XXXX for XXXX. We immediately filed complaints with all XXXX companies and and XXXX said they would get back with us and never did. We were hacked and stolen from and on XX/XX/XXXX our claim was denied by Wells Fargo because they said that XXXX and XXXX had proof that we had purchased the tickets. We were not in New York, live in Iowa and do not know people in New York.
Product: Credit card or prepaid card

From XX/XX/XXXX through XX/XX/XXXX, American Express blocked at least 15 of my attempted uses of my American Express credit card, with ABSOLUTELY NO stated reason each time!!! I wasted HOURS because I had ABSOLUTELY no way of knowing, in every instance, of why each attempted charge was NOT being approved!!! In every instance, it was not until HOURS LATER that American Express texted me that I had to approve EACH of these charges because they " deemed them to be suspicious ''!!! That was/is ABSURD and LUDICROUS : all of these attempted charges were with large, well-recognized, established main-line vendors or merchants!!! There was absolutely NOTHING suspicious about ANY of these attempted charges!!! In every instance, I had to use a different card, requiring that I re-start the purchase ( including on-line forms ) from scratch, wasting hours of my time from running my self-employed business!!! American Express will try to tell you that there was some " fraud alert '' on my card that required them to do this. That is a BLATANT LIE!!! Not only have I not reported ANY fraudulent usage of my American Express card ; I did NOT even have a single disputed charge during this 3-moth period!!! Another reason I did NOT deserve this INSULTING treatment is that I have been with American Express for more than 15 consecutive years, building up an EXCELLENT credit rating with them during that time!!! XXXX XXXX XX/XX/XXXX.