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

My complaint is on Carecredit. I was under the impression that this was a ZERO interest. I was never notified that a 200+ in fees would be added to my card after a " special program " which isn't disclosed with consumer. And depending on when/who you use it with. They automatically raised my credit limit and tacked on a few extra hundred, making this card so hard to pay off. They have some " extra security fee '' that is charged often. They are truly predatory lending. I have a great standing with my other credit cards and have never had this problem with any other credit card companies. I can send in my bill, so that this can be reviewed. I took some of my retirement money out, so that I can pay this down, but this will only pay it down a little not very much. Please let me know if anything else is needed. 
Thank you, XXXX XXXX
Product: Checking or savings account

I purchased items from a company called XXXX on XX/XX/2024. In late XXXX, after not receiving the merchandise, I contacted the company to inquire about the shipment. They were unable to provide a shipping date, so I requested a refund. The company canceled my order, and I was informed that a refund would be issued. However, the refund never arrived. 

Despite repeated follow-ups, XXXX continued to claim that the refund was being processed, but it has not been received to date. As a result, I escalated the issue and disputed the charge with my bank, Ally Bank. I provided Ally Bank with proof of my communications with XXXX, including evidence that the order was canceled, yet the refund was not issued. 

Unfortunately, this issue remains unresolved, and I am seeking assistance to resolve this dispute and recover the funds owed to me.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I received a call from Chase Bank, calling to confirm if I had submitted a new credit card application. I informed them that I had not, the lady on the phone was very nice and stated that they would send a report to the credit bureaus to erase the hard-inquiry. 

On XX/XX/2023, I received an email from Chase congratulating me on my new credit card. I immediately called Chase and informed them that this was a continuation of the identity theft, and that this was not me. They immediately closed the account, and again, stated that they would have the hard inquiry pulled from my credit report. 

I check my credit report on XX/XX/2023 on XXXX, and they still have these hard on my credit report. The other credit bureaus, do not have this hard inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

... .... 
TARGET RED CARD XX/XX/XXXX XX/XX/2022 CHARGED ME LATE FEE AND LOWERED MY CREDIT LINE I HAVE NOT BEEN LATE ON ANY OF MY BILLS OR BALANCES ON THIS ACCOUNT EIGHTHER I WAS OUT OF THE COUNTRY & I BELIEVE I MADE A PAYMENT & MUST HAVE NOT GONE THRU. 
I DO NOT HOLD LARGE BALANCES ON THIS ACCOUNT AND PAY IT PROMPTLY IN 3 YEARS I HAVE HAD THIS ACCOUNTN NEVER DEFAULTED EVEN WHEN I DIDNT HAVE A JOB & OW THEY HAVE AFFECTED MY CREDIT!
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX DOB XX/XX/XXXX REMOVE ID XXXX XXXX XXXX XXXX NOT MY ADDRESS!!! 
REMOVE XXXX XXXX NOT MY JOB. REMOVE BUSINESS ADDRESS XXXX XXXX CT NOTMY BUSINESS ADRESS DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID
Product: Credit reporting or other personal consumer reports

I have disputed several inaccuracies with XXXX XXXX XXXX XXXX, lvnv XXXX. I request bank transactions and proof that I was late with this creditor. The creditor never sent proof that I was late. The creditor has took over 30 days to update my account and Perfom an investigation. The creditor is illegally reaged my date active from datesXXXX XXXX is missing date last active and your company has failed to do the proper investigation because if so you wouldnt allowed all those late charge offs from the creditor and i would not have XXXX different dates of last active these are FCRA violations . To whom it may concern i am writing to dispute the following information on my credit report : These items are currently showing inaccurately on my credit report filed with the credit bureaus. Pursuant to 5 U.S.C ss 552a ( i ) ( 3 ) Im requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timeliness, and completeness as is necessary to guarantee fairness in the determination shall not use such record. Please contact me at the email address below to let me know that you have corrected my credit report by removing the disputed items within. The next 30 days as stipulated by the FCRA. Thank you for your assistance with correcting this erroneous information on my credit report
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. 

XXXX XXXX XXXX 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 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

From XX/XX/2016 to present. I send Experian several letters in accordance with FCRA under Section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ) under Section 611 ( 5 ) ( A ) to provide any original documentation with my signature as required.

Experian never provide such documents when investigating the matter when it alleging came back " verified ''. If it was reported correctly as they mention who verified it? 

METHODOFVERIFICATION accordingto FCRAsection611 ( a ) ( 7 ).

( a ) Thenameofthecreditor ( b ) Thepersonsname and title showing thattheyverifiedthedisputewith ( c ) Theaddress ( d ) Thetelephonenumberand ( XXXX ) Thedocumentationusedtoverifythedispute. 

If Experian reply it would show clearing that they did not provide no evidence to me thus in violation of FCRA. The overall risk to me and my credit rating could be damage greatly all because of Experian non-compliance. 

Anyone paying for experian services could fax, mail, or email in a fraudulent account. 
Since it still reporting on my credit report I'm sure that experian could easily provide it to CFPB. If not, look at the long-term damages its doing to me and potential lenders I would like to do business with, but unable to due to this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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. 

XXXX XXXX ..Acc # XXXX XXXX XXXX XXXX ..Acc # XXXX XXXX XXXX XXXX..Acc # XXXX XXXX XXXX XXXX # XXXX
Product: Student loan

Obtained student loan in XXXX in the amount of {$28000.00}. The balance is now over {$58000.00}. At one point i was on a payment plan but was removed from the plan after a year and never received information about re-enrolling in the plan. I fell several months behind, my credit was badly affected, and can not afford the new monthly payments. I called and spoke with a representative from navient on XXXX/XXXX/XXXX. We agreed to lowering the payment to {$320.00}, which I was hesitant about because that is still a high payment for my current situation, but ultimately I want to pay this thing down so agreed. The representative stated the payment would be auto drafted on the 3rd of each month, but they needed a payment that day. I told her I could not afford it until XXXX/XXXX/XXXX. She said that was fine, and it was auto drafted on the 30th and again 3 days later on the 3rd. So I paid navient {$640.00} in a 3 day span! Why could n't she off my first payment be made on XXXX/XXXX/XXXX?! After the XXXX/XXXX/XXXX payment was auto drafted, I get a letter in the mail stating I do not qualify for the repayment plan I already started! This is unacceptable and extremely frustrating. I have now paid navient about {$1000.00} on a repayment plan that will not put a dent in my loan and I will not be able to recoop. Had I known this, I would have rather tried forbearance. I want to pay my loans off. I do not want to be in debt forever. But it seems that is what navient wants, it 's cash cow. I propose an interest cap where the balance is 150 % of the original loan. Forgive {$15000.00}. I will pay {$45000.00} at 0 % intrest within 11 years. Please Help! XXXX XXXX
Product: Prepaid card

This is a follow-up complaint regarding my earlier XXXX cases ( Complaint ID : XXXX and XXXX ). 

I sent the requested documents to the company on XX/XX/XXXX and provided an additional document as per their request on XX/XX/XXXX. I told them multiple times that I had issues with TWO cards. However, after more than XXXX months, they only issued one check for one gift card, and there is still one gift card on hold and I can not use it. 

THE BALANCE of the remaining card is {$490.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am a victim of Identity theft. I have provided proof of my ID Identity theft report from the Federal Trade Commission. And a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a breach of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted proof from the bankruptcy court that they did not provide the information to the credit bureaus. I have submitted this information for 6 months and not getting any results.
Product: Debt collection

I cosigned for my niece, so she could move into an apartment the XXXX school year. I have not been on any of her leases since. XXXX XXXX XXXX, XXXX has been trying to collect a debt invoice from the 2017-2018 lease, I am not on that lease. Further more the amount they are trying to charge is twice as much as stated in the lease, which would invalidate the invoice also. 

I have talked to XXXX XXXX XXXX, XXXX, they have put my case on hold in XX/XX/2018, but have recently ( XX/XX/2018 ) reported the debt to the Credit Bureaus. XXXX XXXX XXXX, XXXX today ( XX/XX/2018 ) says it is their " Right '' to put the debt on my record even though it is " Under Investigation '' with them. 

On XX/XX/XXXX XXXX XXXX XXXX, XXXX said they would send me all documentation they have about me, they never did, and now refuse to give me any further documentation about the debt ( they hung up on me during the phone call this morning ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with DPT ED/NAVI and XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, DPT ED/NAVI and XXXX XXXX with no successful resolution. XXXX  ajnd XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following XXXX XXXX
Product: Money transfer, virtual currency, or money service

Chase/JP Morgan  is the worst bank I have ever used. I have been a customer of the bank in my local area since   XXXX  . I have my business account there. Recently I deposited a Cashiers Check to bring my account up in order to pay some bills. The deposit funds were from another bank in the area that I also use for my business account..     I was informed that the bank would place a hold on the check for 10 days. When I explained that it was for bill payment, I was met with indifference, rudeness, and complete lack of concern. Of course, if my account had non sufficient funds due to their " policies '', I would be subject to fees and penalties.     I have had many other instances of this type with Chase Bank, and have not ever sent in a complaint before. But I am so angry over their intransigence and lack of customer support, I am closing my account and taking my business elsewhere. The large banks, the ones " too big to fail '' have become the small custo mers enemy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  report XXXX XXXX XXXX   opened on XX/XX/XXXX and Closed XXXX. I strongly believe that this is an identity theft and I had no connection with above installment loan. I disputed inaccurate information with above companies ; however, I did not receive any satisfactory answer. The only information they have provided is to add a statement on my report. They did not provide information about how they verified the info, what are the sources.
Product: Money transfer, virtual currency, or money service

XX/XX/23 - started talking to a breeder about adopting a kitten from them. Was told it would be {$1000.00} and that a deposit would need to be made. Discussed in length specifics about the health guarantee, videos/photos and even spoke to this breeder on the phone for confirmation. 

On XX/XX/23 - sent {$350.00} for a deposit for a XXXX kitten due to speaking with the breeder through XXXX linked to my Wells Fargo checking account. 

Everything was good to go for delivery of kitten on XX/XX/23. Breeder contacted me on XX/XX/23 and began acting very odd and demanded more money. Refused to pay more until delivery as previously discussed. Breeder began sending untraceable accounts for fake people to pay the final {$770.00}. These accounts were made through XXXX and XXXX. None of which, belonged to the name of the breeder.
Product: Credit reporting or other personal consumer reports

I wish to contest a derogatory item present on my credit report that I believe to be inaccurate, untrue, incomplete, untimely, and potentially not even associated with my responsibility. Upon thorough examination of my report, I have identified numerous errors and inaccuracies being reported. I kindly request that you carefully review and rectify any and all of these discrepancies, ensuring they adhere to the standards of truthfulness, accuracy, completeness, timeliness, ownership responsibility, FCRA compliance, Metro 2 Format compliance, and any other relevant regulatory requirements governing reporting obligations.

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( XXXX ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( XXXX ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Product: Debt collection

In XX/XX/XXXX I received a statement dated XX/XX/XXXX from Citi Card saying that I owed a balance from a credit card of {$480.00}. There was no full number on the statement, just the last four digits, no listing of what the charges were for and a P.O. Box listed saying to immediately send in a payment. I had never applied for a card with them. I called a Citi Card rep and she did a search and found that I had no account and told me to forget it. I asked her if she wanted me to send in the statement to the company because of a fraud and she said no. In XX/XX/XXXX, another statement came for a payment of {$480.00} with a due date of XX/XX/XXXX and a balance listed of {$8500.00}. I questioned why I was still getting these statements. XX/XX/XXXX I placed a fraud alert report with the 3 credit agencies. On XX/XX/XXXX, I tried to speak with someone in the Citi Bank Fraud Dept. and had to wait hour even before speaking with anyone. Then, it took @ 45 min before it was decided to connect me the Loan Applications Dept. where I didnt get resolution because I was kept on so long waiting that my cell phone minutes ran low and my battery died. By XX/XX/XXXX. also, Citibank had placed this fraudulent posting onto my credit report ( first XXXX, then the others ), then I experienced repercussions from my credit card companies who began to reduce my credit and my credit score has plummeted very low due to their error. I am still trying to get this resolved. I have been trying to get the mailing address to send in a written complaint.From what I see, the company gave this other person credit privileges starting in XX/XX/XXXX when it would have been impossible for him/her to have due to my circumstances at the time. That is why I want to see the information on the credit application they okd. I filed a police report XXXX XXXX for identity theft. I've also gone on line and created an account with identitytheft.gov. I tried during this entire time to get a mailing address to send in my complaint but all Citi Bank has is online telephone numbers. I tried to go through those but couldn't get a mailing address. On Sat., XX/XX/XXXX I tried again to speak to a rep. ( again taking a long time to connect ), transferred to the Fraud Dept. which never answered and the rep. gave me a general mailing  address. It should not take this long to get this resolved. I've had the chance to see the reviews from the BBB and other sites. I hope I have a more positive resolution than what I've seen.
Product: Checking or savings account

Employee of the bank accompanied by another employee has confirmed verbally that based on my account status my husband was never interested along with opening up about his son doing s marriage investigation about a girl 's marriage he liked and wondered if that me. Employee of the bank reference his son being in an organization which might want to check me out or I will have to pay because I am not from there but I would have a good life with his son. Employee of the bank due to knowing about an investigation and stalking experienced post the visit at the bank in XXXX Massachusetts and XXXX XXXX, constitutes unfair information trading and Privacy Policy violation. The employee no longer works there however the victim of that conversation and unemployed woman believe that employees son inflicted her chances to land employment at least in XXXX Employee engaged in forbidden conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX/XXXX  Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX/XXXX  Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX/XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX  XXXX  Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX  Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX bankruptcy discharged Reference number XXXX has violated my rights.
Product: Debt collection

I am not liable for this debt with ( XXXX XXXXXXXX. I do not have a contract with portfolio recovery.They did not provide me with the original contract
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS 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 accounts 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 Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX, XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.