23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have several promotional APRs with 0 % and 1.99 %. The 0 % is the one that ended on XX/XX/XXXX. So I called BOFA call on XX/XX/XXXX at around XXXX and asked them to tell me how my payments would apply. I was told that it would apply to the APR ending soonest. 

Then I called XXXX XXXX XXXX. I was told that someone would contact me to make sure that was the case. 

Then I called on XX/XX/XXXX at XXXX and spoke with 3 different people and they all told me not to worry the payments would go towards the APR ending soonest. 

This morning I checked my statement for XXXX and found out that wasn't the case. The payments I had made were actually applied to the 1.99 % that is not ending until XX/XX/XXXX. 
Called the bank today, XX/XX/XXXX at around XXXX XXXX, and the guy told me that he doesn't know how to fix this issue. And filed two complaints but would give me the complaint ID and said someone will reach out to me.

I am really concerned as this could cost me a lot of money in interest if it is not fixed. It is the bank 's fault for providing the wrong information. I need someone to own this issue and make it right.
Product: Debt collection

I got court papers to go to court in 2018 for Wakefield & Associates for a bill of XXXX. Court was thrown out because I had Medicaid which paid that bill. I've called Wakefield & Associates. I've also called XXXX XXXX where the bill was originally from, and they told me the account was closed. I reported that back to Wakefield and the said XXXX XXXX XXXX was originally over my info and I would have to contact them. I've contacted all 3 and they all said the account was closed. I'm not sure what I need to do next because they are all telling me to contact the other.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX SOC SEC # XXXX   DOB XX/XX/XXXX ADDRESSXX/XX/XXXX, FL XX/XX/XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XX/XX/XXXXThis serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.Recently, I've been denied in my application for (mortgage, car loan, credit card, health insurance, employment) in Florida XX/XX/XXXXUpon closer look, this was due to inaccurate information on credit report; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows;XX/XX/XXXXXXXX XXXX XXXXXXXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXXXXXXX XXXX XXXX SOC SEC # XXXX   DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have called XXXX XXXX XXXX  on numerous occasions in regards to my account. On my credit report, it is showing that my account is closed when in fact my account is open and accruing interest fees. I called many times, submitted disputes with each of the credit bureaus and to no avail. The disputes I open, are closed within a matter of days, and closed with the following " closed at consumers request '' I called in a couple of years ago to cancel my account due to how they were treating me when I wanted to dispute a charge that was on there incorrectly. I ended up speaking with a supervisor who convinced me that it kept my account open, the charge would be handled appropriately. 

Since then, it has been reported that my account has been closed when in fact it is still open. This is very inconvenient for the simple fact that I have a closed account on my credit report which affects my score in a negative way when my account is open and active.
Product: Mortgage

Automatic loan payments were stopped for XX/XX/year>. However, we forgot to pay the XXXX amount manually and instead made two reinstatement payments on XX/XX/year> for {$16000.00} and XX/XX/year> {$2800.00}. for a total of XXXX. 

We received a call on XX/XX/year> from a Customer Service representative named XXXX XXXX ( XXXX ) saying the XX/XX/year> payment of {$6600.00} was due XX/XX/year> and that we owed this additional payment despite having reinstated the account on XX/XX/year>. 

By our calculations it is predatory and illegal to charge interest and fees in the amount of {$26000.00} when the actual amount of the two monthly payments would be {$13000.00} ( XXXX per month ).
Product: Credit reporting

I have items listed on credit report and they are not mine. They also list a State of Missouri child support and the information they report is incorrect and false ( example I only owe {$10000.00} and they say XXXX and no payment history which record from state attached shows the report is wrong ). I do have a mortage, I do not retail cards, and other loans they list.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$900.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$5000.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

I had a previous submission and the case number is XXXX. 
I got a Company response from CHASE but was not satisfied with the result. 
Chase didn not find out the transaction i disputed was sacm/fraud. 
They told me my claim is expedited to resolve but still under investigation, and they have timeframe to resolve the claim and they issued me a provisonal credit for temporary. 
I expected them to resolve the claim and find out it was unauthorized transaction which was scam/fraud by unknown person. 

I copied and pasted the previous submission below. 
On XXXX XXXX, 2016, while I was checking my CHASE bank account, I noticed that unknown transaction {$200.00} was on pending from my checking account. It showed XXXX XXXX XXXX XXXX which I never used or authorized. I never heard of the name XXXX XXXX. I never lost my debit card and never shared with others. 
I called Chase Customer center and was transferred to CHASE Claim Department. 
I explained the unknown transaction is on pending which is fraud/scam, and I submitted a claim. 
Chase put {$200.00} in my account as a temporary credit for claim # XXXX, and they say they may remove the temporary credit if it 's determined that the transaction was correct or authorized. 
Next day, the status of the unknown transaction has been charged from pending status, and it showed XXXX XXXX XXXX XXXX. 
I was working XXXX 
I never visited or talked to someone who live in XXXX 
I researched the phone number XXXX, and i noticed that there are lots of victims. 
XXXX Chase told me customers can resolve disputed transactions by notifying the business, so they asked me to call the business to resolve this issue. 
But the number XXXX is not working number. 
I also contacted XXXX because the letters XXXX from the description stand for XXXX. 
I gave my debit card number to the XXXX customer center and they were able to find the transaction. 
I have a XXXX account but NEVER linked to any of my chase accounts. 
I only linked to my XXXX XXXX bank account. 
They told me they can not give more information about this transaction although the card holder 's name is my name, because the transaction was not linked to my XXXX account. 
XXXX recommended me to ask Chase to contact XXXX so they can give money back. 
I called Chase again and told everything i was told by XXXX, but they always gave me typical answer they will working on. They never contacted XXXX.
Product: Bank account or service

I made an ACH deposit to my account at SallieMae Bank, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX UT XXXX on XXXX XXXX 2015. 
The bank put a two week hold on this deposit, which is in violation ofeven its own rules, which state that such holds are for check deposits, not for ACH transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights,15 U.S.C.1681 section 602 A states that I have a right to my privacy. 1 5 U.S.C. 1681 section 602 A section 2 states a consumer reporting company can not furnish an account without my written instructions which I have never given.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I noticed that a Bankruptcy was listed on my credit profile. I called the Court House and asked if they share any information with the credit bureaus, but they shared that they do not. I sent a letter to Experian asking that they delete and remove this information, but they responded saying that the credit grantor has " verified its accuracy. '' I then sent a letter to the U.S. Bankruptcy courthouse stating that Experian reported this information as accurate, so I asked the courthouse to send me all documentation that they used to " verify '' my identity with Experian. The Courthouse responded with a letter stating that they do not in fact share any information with third party gatherers ( letter is attached ). This is a pure violation against the FCRA and my privacy has been breached without my consent. I have attached the correspondence below.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX
Product: Credit card or prepaid card

On XX/XX/2018, my credit card from Chase Bank was declined at " Healthy Pets. '' It is a business a few blocks from my home where I have completed several similar transactions over the past three-plus years. I immediately contacted Chase Bank and asked why my card was blocked, without prior notice, at a business I use regularly. Chase refused to provide a reason, or to even substantively respond. 

In regard to the XX/XX/XXXX incident, I re-contacted Chase Bank by email on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time, Chase assures me it is " looking into '' the matter. 

This is a new, different, and separate incident from the XX/XX/XXXX incident, which is the subject of a separate complaint. In both instances, Chase blocked my credit card without prior notice. In both instances, Chase rebuffed my many attempts to substantively resolve the issue. 

I have spent at a minimum two hours dealing with Chase 's errors, and in my efforts to engage Chase substantively. My professional time is billed in excess of {$200.00} per hour. A very conservative analysis mandates a conclusion that Chase should reimburse me {$400.00} toward the waste of time, stress, humiliation, and harassment that Chase continues to inflict. 

I again request that Chase acknowledge its errors, apologize for blocking my card without prior notice, assure me that such will not occur again without prior notice, and reimburse me {$400.00} for my time that Chase has caused me to spend seeking a fair resolution. 

All of the above has been relayed to Chase and it is documented.
Product: Mortgage

I received a transfer of service notice from my current services, community loan servicing indicating my loan would be transferred to Fay servicing on XX/XX/XXXX. The letter indicated that Fay servicing would be accepting payments as of XX/XX/XXXX and gave a phone number ( XXXX ) and address for Fay servicing to send payments to Fay Servicing , LLc XXXX XXXX XXXX XXXX XXXX Ill XXXX. I contacted Fay servicing on XX/XX/XXXX to make a payment and get my account number and they had no record of the loan. I contacted Fay servicing on XX/XX/XXXX to attempt to make my payment once again. I spoke to XXXX XXXX on a recorded line on Friday morning at XXXX PST at Fay servicing. I was told they had no record of my loan and could not accept payment. I was also told not to mail my payment to the address given on the Transfer service notice because I had no account number, and they had no record of the loan. I was told they were having problems on boarding loans, and I would not be charged a late fee or any penalties because it was there fault. XXXX XXXX told me to keep calling back and checking to see if my loan has been on boarded. 
I also called my previous service-Community loan servicing on XX/XX/XXXX, and spoke to XXXX at XXXX to make her aware of the problem and what they had indicated in the letter about Fay accepting payments on XX/XX/XXXX was inaccurate and false. She has referred me to a consumer advocate person at Community loan servicing who will call me on XX/XX/XXXX. Community loan can not accept my payment because they have my loan transferring to Fay servicing as of XX/XX/XXXX, and Fay servicing has no record of the loan. Please help me resolve this. I just want to make my mortgage payment now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed account t # XXXX with " The XXXX XXXX XXXX '' as these accounts were fraudulently opened and were removed from my credit reports Because they could not validate the debt. Now these accounts have resurfaced back onto my Transunion and XXXX  report in which they DO NOT belong to me. Under the laws of the FDCPA, I previously contacted the creditor myself, and they have failed to verify that this is indeed my debt. The Fair Credit Report Act requires you to verify the validity of this debt within 30 days. If the validity can not be verified, they are obligated by law to remove it from my credit file. These debts were unable to be validated and they need to be removed from my account immediately.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my consumer report. It has come to my attention that your agency is reporting information on my consumer report without my consent, thereby failing to apply maximum accuracy in accordance with your vital role in assembling and evaluating consumer credit information as stipulated in 15 U.S.C. 1681 ( a ) ( 3 ).

Furthermore, I am aware that your company policy requires you to maintain written consent from me, the consumer, authorizing you to report any account on my consumer report. Federal law under 15 U.S.C. 1681b requires that you must have either court jurisdiction or a handwritten letter from me giving you permissible purpose to report such information. Your failure to adhere to these requirements constitutes a violation of my privacy.

Additionally, as a financial institution, you are obligated to uphold maximum privacy of my nonpublic personal information pursuant to 15 U.S.C. 6801 ( a ), which states that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

Moreover, I demand that your agency immediately cease and desist all illegal activities and all mediums of communication related to the collection of this alleged debt. Your persistent attempts to contact me at inconvenient times have caused significant disruption and damages, affecting my business hours of operation. I am fully aware that a medium of communication also includes my consumer report, and I demand the deletion of the account reported on my consumer report. 

I demand that your agency promptly investigate this matter and remove the inaccurate information from my consumer report. Please provide me with a written response detailing the actions you have taken to rectify this situation within 30 days of receipt of this letter. 

Failure to comply with these demands will leave me no choice but to pursue all available legal remedies to protect my rights and seek compensation for the damages caused by your actions.
Product: Credit reporting or other personal consumer reports

I suddenly received 3 notifications from XXXX XXXX on XX/XX/year> that I had XXXX hard inquiries from these financial institutions. XXXX XXXX ( Bank  ), XXXX  ( Finance ), and ONEMAIN  ( Finance ). I immediately called all 3 credit bureaus on XX/XX/XXXX and XXXX to let them know this was not me and to please freeze access to my credit reports. I put in a dispute to have these inquiries removed and also called all the institutions that made these inquiries in the first place. I asked them to stop the applications as they let me know they were still in progress and let them know I was not the one that processed these requests. They accepted that these inquiries were unauthorized. I am just waiting for it to be removed from my credit, I do not know who or how my information goes out for someone to be able to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a Business loan long story short I was denied. I don't understand why I wasn't because I'm typically approved for everything I apply for. So I checked my credit report to see what my score was. After doing so I notice some items on my credit report are not mine. I reached out to the FTC and to my local police department. I need these items deleted from 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 XXXX XXXX XXXX. Inquiries : XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX 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. I am doing all of this on my own.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name- XXXX XXXX XXXX Account name- XXXX XXXX XXXX XXXX XXXXXXXX Account name- XXXX XXXX XXXX # XXXX Account name- XXXX XXXX XXXX # XXXX 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 seven 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: Credit reporting, credit repair services, or other personal consumer reports

I had 7 student loans that were initially serviced by XXXX. These 7 accounts went into default and were transferred to collections. These accounts were supposed to be updated to show that they were Transferred to Another Office. XXXX has responded that they did indeed report the status as Transferred ... however Transunion still has not corrected the STATUS. They added a comment to the Remarks section but Transunion did not update the STATUS. 

Below are the XXXX account reported incorrectly. I've already filed a complaint with XXXX and they stated they reported the status as transferred and that the error is with Transunion. So Transunion needs to fix. 

Below are the XXXX accounts with the incorrect current STATUS : 1- XXXX 2- XXXX 3- XXXX 4- XXXX 5- XXXX 6- XXXX 7- XXXX My Transunion file number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries I did not authorized. I have called Transuion and I have spoke with the creditors they have no record I did buisiness with them nor gave them permission to run my credit. I have been dealing with this issue for years. 

XXXX ( Inquiry date : XX/XX/XXXX ) XXXX Of XXXX ( XXXX Date : XX/XX/XXXX ) XXXX XXXX ( Inquiry XXXX ) 15 U.S. Code 1679c - Disclosures Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate.
Product: Credit reporting or other personal consumer reports

Capital One put late payments into my credit report and refused to remove it even after payment.
Product: Credit reporting

There is an address on my credit report where I have never lived., XXXX XXXX XXXX, XXXX XXXX XXXX , Me, XXXX. There is an incorrect birthdate on my credit report of XX/XX/XXXX. /There is an incorrect spouse named XXXX on my credit report and I have been divorced since XX/XX/XXXX and also he is dead. There is an incorrect social security number of XXXX on my report. There are several Misspellings of my name due to typing errors that I want removed. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. wrong phone numbers on credit report. XXXX, XXXX, XXXX.