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

In XX/XX/XXXX I transferred a balance of {$5000.00} to my Chase Rapid Rewards Credit Card. The balance was to have no interest until XX/XX/XXXX. I was also charged a {$200.00} fee for the transfer. 

In XX/XX/XXXX I went to pay my credit card bill and noticed that my Interest Saver Balance was {$7000.00} and Card balance was {$9000.00}. This was odd as at least {$5000.00} should not be accruing interest.

I called Chase and they said that they had applied to my last month 's payment to the 0 % interest portion of the balance, and always apply payments to the lowest interest balance, so the other charges I had made that month were accruing interest and in order to pay them off before interest was accrued I would have to pay them off first.

This is against the Consumer Protection Act, as higher balances should always be paid first.
Product: Checking or savings account

Ive been banking with TD bank for a couple of years now and I usually dont go thru my online statements but recently when I logged on I see a {$35.00} charge even after the fact that my funds are posted next business day. But Im checking my statement for XXXX 2017 and Ive paid {$660.00} in fees and the rude customer representative is gon na tell me theres nothing they cant do..well Td you have just lost a loyal customer
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX  XXXX ) I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that 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

Me and my wife decided to rent and apartment but we couldnt take it, so after a while we received a call from southern management services a collector in XXXX FLORIDA, and my wife paid in two payments the amount owed of a total of {$1200.00}, her credit is fine but it is still showing on my side.
Product: Credit reporting, credit repair services, or other personal consumer reports

When purchasing a car from XXXX XXXX XXXX on XX/XX/2019, I told the finance guy helping me that I only wanted my credit ran through one lender. I was aware that I might get a better rate from somewhere else, but I only wanted it ran once and through the lender I communicated. I never signed any paperwork about running my credit through multiple lenders. XXXX XXXX XXXX ran my credit 4 times when they were not authorized to. I only authorized them to run it once and they did not have my permission to run it multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of XXXX XXXX due to my data being breached by XXXX and their inaccuracies reporting on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I checked my Equifax score it was XXXX I checked it again 4 days later ( I have paid off bills and I am waiting for them to hit my credit report which at this point they had not ) NO significant change happened in those 4 days yet my score dropped XXXX points. And I can find no way to contact them directly to ask them why.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX  and do not have a contract with Consumer Adjustment Company Inc./CACi. They did not provide me with the orginial application like I asked and refuse to validate this debt.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX recently reviewed my credit report and notice I had fraudulent and inaccurate accounts on my report. Please remove this account from my report. This is hurting my ability to obtain credit
Product: Payday loan, title loan, personal loan, or advance loan

I requested a loan and was approved for {$700.00}, an online application with some human interaction. The loan was originally approved in 2022 and I made weekly payment amounts of {$31.00}. I eventually paid one loan off and received another loan of the same amount, {$700.00}. During the course of this loan my account was compromised. Before the loan was defaulted, I went on line with an alternative payment method, my credit card. I attempted to pay, {$92.00} to catch up and pay forward on the next, or upcoming payment. However, the system rejected my payment method which led to the default on the loan. Going forward, I was clearing my credit report and noticed they had reported the loan as derogatory. Upon making arrangements to settle the account, I received several letters from XXXX XXXX. XXXX XXXX stated they were now collecting the debt previously owned by Opp Loans. In XXXX, I reached out to XXXX XXXX in an attempt to settle this debt. After verifying I was the correct person through several personal attributes unique to my account, the representative was able to verify they had my file. I explained to the representative that I wanted to pay the balance of the loan, the representative said that Opp Loans had retracted my file and she could not accept my payment. Then the representative went on to try and reverify more information and at that time I discontinued the call as I had already given more information than I should have since I know they no longer have authorization to collect I am not compelled to continue my contact with them. I later contacted the credit bureau and requested Opp Loans verify the account. The dispute was resolved as verified but I am uncertain who the account holder is. And at this point I am no longer interested in working with third party collectors as my information has been compromised and is floating around on the dark websites.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The 3 Credit Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX 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 checked my credit report and was still saddened with it because there are still inaccurate accounts on my credit report. Please check the documents I've sent regarding this matter.
Product: Mortgage

I been trying to get a loan modification with well fargo bank for the last 3 yrs.it 's look like they 're do n't want to work with me.I feel that i 'm making enough money to work out this problem.please I need help to try to keep my home.thanks.
Product: Debt collection

XXXX XXXX XXXX sold this information of an account that was fraudulently established against me and now are trying to collect same debt that XXXX sold to them regarding the same account defaming my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been listing me as deceased on my credit report despite multiple phone calls and certified letters informing them that XXXX XXXX and XXXX XXXX  have mixed my deceased fathers accounts with mine. These accounts are : XXXX XXXX # XXXX and XXXX XXXX # XXXX. I have sent them proof of life including my current XXXX passport, social security card and my current utility bill but they have failed to remove these XXXX inaccurate accounts. I have attached a photo of these XXXX accounts from my most recent credit report ( XX/XX/XXXX, Confirmation # XXXX ) along with XXXX of the past certified letters sent XX/XX/XXXX. Despite my requests and evidence to prove this is a mix file and I am not dead, Equifax has ignored me, continued to list me as dead and violated my FCRA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX ; Date opened XX/XX/XXXX Balance {$10000.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; ( Original Creditor : ) XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}.
Product: Checking or savings account

Opened 6 month CD. It was opened barely 2 months and BMO ALTO closed it WITHOUT notice ... guess, from what I'm hearing regarding their reputation, I'm fortunate I got my initial investment back! I have no clue how much interest they paid out and I did NOT receive any " extra '' monies ... meaning, HAD I CLOSED MY ACCOUNT BEFORE THE 6 MONTHS, I WOULD HAVE BEEN PENALIZED INTEREST... WHY DOESN'T THE BANKING INDUSTRY HAVE SUCH A PENALTY WHEN THEY CLOSE A CUSTOMER 'S ACCOUNT WITHOUT NOTICE AND WITHOUT REASON! 
IS THERE A REASON FOR SUCH BEHAVIOR????
Product: Checking or savings account

XXXX XXXX issued a check to XXXX and XXXX XXXX XXXX XXXX from the escrow funds. 

On XX/XX/22 XXXX deposit a check in her personal account in Chase under XXXX XXXX XXXX XXXX account # XXXX. 

Few days later : Check was on hold because it needed more verification. 

On XX/XX/22, XXXX received a letter that her personal Chase account was going to be closed because the check was not verified and sent to the Lost and Protection Department. 

XXXX called Chase asking why the account was being closed and Chase said that XXXX needed to come in person to one of Chase branches to verify his identity. 

After my husband and I visited the branch several times, providing Chase with all the information they were requesting. 
Chase said that they needed a copy of the check cleared from XXXX. 

When we called XXXX from the Chase branch with their representative, XXXX said that they were no longer responsible since the check was clear and paid on their end. 

Chase wanted me to contact XXXX and speak to the person that endorsed the check. 
XXXX said they dont have a department or who to transfer us with that question. 

Six months have pass and we are still trying to get our money released from chase and Chase still doesnt have an answer for us or resolution. and Chase has not released my funds. 

I need someone to help me since my mortgage has gone up due to the escrow shortage and Chase has not come up with a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Date opened : XXXX XXXX XXXX  Balance : {$5200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Product: Debt collection

In XXXX of XXXX IQ Data International received my account for a debt that I allegedly owe ( I don't ). On XX/XX/XXXX IQ Data International communicated to the XXXX that they are attempting to collect this debt. This is beyond the statue of limitations and a violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS. I AM A VICTIM OF HUMAN TRAFFICKING WHICH FALLS UNDER TRAFFICKING ACCORDING TO TRAFFICKING-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PLEASE DELETE ALL THE FOLLOWING XXXX {$0.00}, XXXX XXXX {$120.00}, XXXX {$190.00}, XXXX XXXX {$320.00}, XXXX XXXX {$810.00}, XXXX XXXX XXXX  {$3700.00} MY FTC REPORT NUMBER IS XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a notarized Direct 609 letter to all three credit bureaus to investigate the negative accounts on my credit report. In accordance with the FCRA, that they investigate and correct these inaccuracies within 30 days of receiving this letter. Additionally, I request that they provide me with a detailed response outlining the results of your investigation, including the steps taken to verify the accuracy of the information and any changes made to my credit report. 

On XX/XX/year>, I then sent a notarized & certified 30 Day Demand to Comply letter within the specified timeframe and they failed to provide. I have also put on notice and include filing complaints with the ( FTC ), XXXX, and the attorney general of Missouri, considering legal action to protect my rights. 

Negative accounts Account Name : XXXX XXXX  Is Account Number : XXXX Issue : unauthorized XXXX. Account XXXX : XXXX XXXX Account # : XXXX Issue : unauthorized XXXX. Account XXXX : XXXX XXXX Account # : XXXX Issue : unauthorized XXXX. Account XXXX : XXXX Account # XXXX Issue : unauthorized XXXX. Account Name : XXXX XXXX Account # XXXX Issue : unauthorized XXXX. Account XXXX : XXXX XXXX Account # XXXX Issue : unauthorized XXXX. Account XXXX : XXXX Account # XXXX Issue : unauthorized XXXX. Account XXXX : XXXX XXXX Account # XXXX Issue : unauthorized XXXX. Account Name : XXXX XXXX  Account # : XXXX Issue : unauthorized XXXXAccount Name : XXXX XXXX  Account # : XXXX Issue : unauthorized XXXX. Account Name : XXXX Account # : XXXX Issue : unauthorized To ensure compliance with federal law, I expect a prompt response and resolution to this matter. Please send all correspondence regarding this request to the address listed above or via email at XXXX Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX different names as XXXX XXXX XXXX XXXX XXXX XXXX XXXX is also they havein different collections agencies XXXX that l don't owe request same exact money info the original documents printed l summit information l don't owe these companies has effect my credit scores l have l provide driver license Experian XXXX XXXX .. On the XXXX XXXX XXXX XXXX has ( XXXX XXXX XXXX XXXX ) isn't no name shown on the ordinal bill documents XXXX to other collections now to companies called XXXX XXXX
Product: Mortgage

Complaint XXXX was submitted to CFPB on XXXX for issues regarding payments that have been occurring since XXXX of XXXX. Between XXXX and XXXX I have been working on an understanding and resolve. I identified what issue actually occurred, after multiple conversations, writings back and forth between me and Amerihome as well with XXXX  XXXX XXXX, who sends my electronic payments. 

As I figured out the issue, which stemmed from me sending a payment to the temporary account before it turned into a permanent account and Amerihome not following through with what they promised me and XXXX  XXXX XXXX, which was transferring the payment over to the appropriate account, I paid them twice within two weeks as agreed upon at the end of XXXX/beg of XXXX given they had returned the funds to a savings account that I don't check and no one picked up on this for the near six months of back and forth wondering why my payments would show on time then late then on time again. 

A comprehensive timeline detail of this is showing on case XXXX. 

So Amerihome saw the back and forth challenges and in our exchange arbitrated by CFPB there representative agreed to remove the late payment as of XX/XX/XXXX and said it would take the bureaus 30 days for it to show on my report. 

Today is XX/XX/XXXX and the bureau report has not changed. I called Amerihome and after being on hold twice for a total of 90 minutes, was told that they couldn't talk to me due to me needing to speak to the president 's dispute department. The president 's department has not returned my calls or sent a written correspondence except for multiple writings saying " it is under investigation and needs 30 days ' like a groundhogs day situation because nothing moves just the same letter over and over again. 

I am asking for CFPB to open a new case, or re-open old case. I responded on the old case after they said they would resolve that I was satisfied with their response, expecting it to be followed by actions. I just can't believe I am still fighting for this change 10 months after the problem origin. 

Thanks in advance
Product: Credit card

I tried to make a purchase from an international website last Friday night. A website which I have used numerous times before. When I called the bank, I was told that I had to use the online app to speak do the transaction because there was a problem with my personal phone receiving a text from Bank of America. 

I knew that they were lying and there was no problem with my tech or their tech. I knew right away that this is another ploy by the bank to get their app on my phone and they do it through the guise of security. It is a blatant violation of privacy. 

After this incident, I went to my account online through my computer and completed a XXXX application and immediately received a Bank of America text and that proves that Bank of America is lying and trying to get personal info from me under false pretenses, and that can be done through apps. 

I don't want their phone app. 

They are violating the Fair Credit Resolution Act, and the CARD Act of 2009 and I would like the Consumer Finance Protection Bureau to protect my rights and force the bank to honor the purchase without me having to do another thing.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute XXXX recent credit pulls that have negatively impacted my credit score. The first occurred on XX/XX/year>, by XXXX, which I believe was mishandled by my representative, resulting in an unintended outcome that has unfairly affected my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE FOLLOWING INCORRECT INFORMATION COMPLETELYFROM MY CREDIT REPORT : XXXX XXXX Balance Owed : {$440.00}
Product: Prepaid card

Good evening, I was paid a compensation for participating in the beta testing of a new educational software. 

The payment was in the form of XXXX XXXX Rewards Prepaid cards issued by Incomm Financial Incentives. 

The payment was issued in two ( 2 ) XXXX $ prepaid XXXX XXXX XXXX. 

The advertisement is misleading. The company claims the prepaid cards can be used anywhere online and in-person, also added to online wallets such as XXXX XXXX XXXX XXXX XXXX XXXX a XXXX XXXX , and more. 

They also claim it can be used like a regular credit card anywhere XXXX XXXX is accepted. 

This is not true. 

I have tried unsuccessfully to add my card and use it in many online stores only to be declined because of ZIP code security or the order just being stuck in a processing limbo without confirmation. 

These cards shouldn't be sold if they are not going to satisfy the benefits the company promise and advertise. 

I tried to add it to my XXXX XXXX  : Didn't work I tried to add it to my XXXX : Didn't work I tried to add it to a mobile Wallet XXXX and XXXX : Straight out rejected them. 

I tried adding it to my XXXX account to pay for groceries and rideshares : Didn't work. 

All of these companies accept regular XXXX XXXX cards. 

The company claims the prepaid cards will work in any merchant which accepts XXXX XXXX, which is utterly misleading. 

In the attached documents, I will display all the declined transactions and the prepaid cards information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against equifax. i already sent over my id proof of address and fraud report. i was a vicitim of not only the equifax breech but fraud all over since covid. I just got off the phone with customer service representative who hung up on me. Equifax is violating my credit rights but not blocking these fraudulent items on my report. I am asking the consumer bureau to investigate this matter. And if not I would like a higher agency to deal with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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