23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was sent an offer for a {$900.00} bonus from Chase. The offer was : open a new checking account and receive {$300.00}, open a savings account and receive {$200.00}, or both for an additional {$400.00}. I have done both and received the {$200.00} and {$300.00}. They have not credited the {$400.00} for opening both accounts. 

I have contacted them several times and was told to wait 10 business days for them to respond. They did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Card Dpt Ed/XXXX I XXXX unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Product: Credit reporting, credit repair services, or other personal consumer reports

US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  DC, XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Hard inquiry on my credit report today ( XX/XX/XXXX ) that is not mine nor did I submit for any loan with sba.
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. 






XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is my UCC Filing Search Results Report from the Commonwealth of Pennsylvania Department of State which shows there are no commercial Liens filed against my name, therefore this credit reporting agency has been allowing these debt collectors to report on my credit file without them properly obtaining judgement or proof of verification of judgement, nor submitting a public filing via UCC-1 with the Secretary of State. I have provided plenty of notices/Affidavits with lots of evidence to EXPERIAN but they continue to report accounts that supposedly were verified by alleged creditors when I am IN FACT THE ORIGINAL CREDITOR AND CONSUMER and they're letting my score go down significantly enough to damage me and my reputation. 

EXPERIAN has also not provided me with the remedy I am entitled to for all violations committed. This is my last warning before I proceed to bringing legal action against them.
Product: Credit card

Chase Freedom Visa Card Statement Due date XX/XX/XXXX. At account summary it shows a debit amount of {$190.00} instead of a credit amount of {$600.00}. I paid the {$190.00} on XX/XX/XXXX, Confermation number XXXX, unaware what was going on. I trusted Chase too much. On my payment due date of XX/XX/XXXX under account summery it shows a credit of {$230.00} however I only paid {$190.00} on XX/XX/XXXX. The same summary shows Purchases in the amount of {$790.00} but I had a redemption credit of {$43.00} and it should be {$750.00}. The new debit balance is shown as {$750.00}, however it should be {$550.00}. Stupid me I paid {$740.00} on XX/XX/XXXX Confermation Number XXXX on XX/XX/XXXX Credit card statement. 
There is also a debit of {$830.00} instead of {$840.00} on my XXXX XXXX XXXX XXXX XXXXXXXX Statement by Chase for XXXX XX/XX/XXXX due credit card statement. 
There are many other errors which I can supply additionally. Can one ask the bank for previous purchase details copies. I miss some. 
Also Chase pocketed the difference between what a grocery store charges to my credit card and the final smaller amount. I never got a credit on my account. This happened over the years. Others must have the same experience. 
Thank you for your help.
Product: Credit card or prepaid card

I opened a Citi XXXX XXXX XXXX XXXX XXXX credit card in XXXX, XXXX. The credit card terms indicated a {$650.00} phone offer for a {$2000.00} purchase using the XXXX XXXX XXXX credit card in the first XXXX months ( screenshot attached ). I did make {$2000.00} in the first XXXX months ( also attached ), and the phone offer showed up at the bottom of my account summary page as " Take advantage of your XXXX XXXX XXXX XXXX XXXX XXXX Offer ''. But recently when I looked at my account I could not find the Phone offer anymore. 

I contacted Citi customer service and they claimed that in their disclosure it stated that transfer balance, account fee would not be counted as a part of spending, which made my " valid spending '' {$1900.00}, and refuse to credit the reward to me. 

I got really confused. Clearly, the threshold would have been met if the membership fee was counted. Their advertisement was misleading in a way that hided significant information. The lacked clear definition of consumption, therefore, misled me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to XXXX XXXX and experian 3 times in regards to incorrect information within the three BUREAUS across the board. The accounts are with. XXXX XXXX XXXX XXXX XXXX and XXXX. I ask the accounts be removed due to incorrect information as I have the right to a honest and correct credit report. Instead the accounts are updated with more inaccurate information each month across the board and its impacting my score tremendously. Ill like these accounts removed! Attached are the inaccurate information for each account. 

Thank you
Product: Credit reporting or other personal consumer reports

Inaccurate reporting, this account shows paid in full, so Im requesting proof of payment, contract, signature, ID! Im disputing account ( XXXX ) XXXX XXXX XXXX
Product: Credit card

I got a Best Buy credit card in XXXX 2016. Under the terms & Conditions the annual fee came up and I specifically asked the salesmen more than once if I was going to get charged this year & he said no. They charged me the fee causing me to pay more than I intended to. I told the sales rep that I had the cash to pay my purchase & if I was going to get charged I did n't want it. Again I read the terms and discussed the annual fee start date with the rep and he assured me it would n't get assessed til next year. This is very wrong. So much for 12 month zero financing. This happened in XXXX!
Product: Credit card

After returning from a trip to XXXX, New York on XX/XX/XXXX, I received a notification that my credit card statement was available, and that the balance was much higher than it usually is. Upon carefully reading through the charges, I discovered that a cash advance was made at an ATM on XX/XX/XXXX in the amount of {$500.00} by someone other than myself. Because my credit card has been in my possession the entire time and I do not typically request cash advances ( especially in that amount ), of course I immediately called to report the fraud, dispute the charge ( claim # XXXX ), and have my credit card replaced. No less than four times, my dispute has been resolved with the resolution being " unable to pay ''. The most recent resolution document states that I " admitted that the charges were valid '', which I absolutely did not. I have spoken with supervisors and have made good faith attempts to speak with loyalty/retention specialists. I have banked with Bank of America for eighteen years and will absolutely sever ties with this institution if I am not absolved of the {$500.00} that was stolen from me.
Product: Vehicle loan or lease

We felt the interest rate was too high and they was taking advantage of use due to the time of XXXX pandemic. My credit was not as bad as they lead me to believe. The week after I made my first car note. I receive offers for cheater rates.
Product: Credit card or prepaid card

I have a Credit Card with Capital One ( Savor ). I wished to downgrade my card from the XXXX to the No Fee XXXX. Capital One has made this task difficult to impossible to accomplish. 

Complaints - Capital One will not allow me to make the change to the card I want. They say that product change would be a downgrade and they only offer upgrades ( I was offered the VentureOne instead ). No other credit card company has given me a problem when downgrading.

- The company tried to scare me by telling me the offer to upgrade to the VentureOne was expiring tomorrow. When I called back 2 days later the same thing was still offered to me.

- When I asked if changing to the Savor card to the VentureOne would disqualify me from a sign up bonus on the Venture card, I got a wishy washy answer that they think I can't get more than one sign up bonus on the same account. The language in their terms is wishy washy as well. ( Existing or previous Accountholders may not be eligible for this one-time bonus. ) The bonus should be offered or not. There should be clear terms that disqualify me if that is the case. Not whatever the company feels like on any given day. 
- When I finally agreed to change to the XXXXeOne, I asked if I would be refunded my annual fee I had to pay last month. They said they don't refund fees ( again, all other companies I have interacted do not treat their customers this way. ) This is especially egregious because under federal law I can't request a product change until a year has passed and I have been charged the fee for year 2.

- When I voiced my frustration about my entire experience with the company I was cut off and placed on a permanent hold. ( as of writing this I have been on the phone for 30 minutes listening to same mind numbing tune ) Capital One is engaging in anti consumer behavior to cheat me out of an extra {$95.00}. I would love to close my account and punish Capital One by taking my business away from them, but the system we live under would penalize my credit score because my average age of credit and available credit would be hurt by that action. I feel cheated and trapped.
Product: Credit reporting or other personal consumer reports

Experian continues to report inaccurate information. The account listed as XXXX XXXX XXXX NA has been XXXX and is now considered income per the IRS publication and can not be reported. 

This account must be deleted immediately. 

XXXX5 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit card or prepaid card

Since XX/XX/2018 to XX/XX/2018 were made some fraud charges on my citi card, also a call to try to pay it on XX/XX/2018 that I never made or autorized. 
I notified to the bank as soon as received the statement on XX/XX/2018. 
According to the bank statemen the fraud charges were made in XXXX, a Country that I never visited neither my family. 
In that period I travelled to XXXX and informed previously to the bank according to their requirement. 
I notified them that I and my family to be in XXXX from XXXX to XXXX. 
They opened a dispute but already closed it not in my favor. 
I believe that they handled the dispute not very well because I gave them a lot of information and it is obviously that there was a fraud. 
I hope you can help me mi, thanks in advance.
Product: Bank account or service

Firstly I had an account with US Bank for 2 yrs during my college. When I went out of the country there were a couple of overdrafts which were paid off as soon as I came back and my account was fine for a year. After 2yrs, when I reached out to a nearby bank to deposit money I was told my account was closed and I would receive a cashier cheque through the mail which was told to me when I went to the bank a week ago. It 's been more than a month and I have n't received any mail from the bank and when I try to call the people at the bank they try to avoid me by not picking my calls and I persistently keep calling them and put voicemails which never get answered. If this is the kind of business US Bank wants to do I really want to complain about this. 
Information : Debit Card Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Information Violations of Federal Consumer Protection Laws Dear Equifax, I am writing to formally dispute the inaccurate and unauthorized reporting of my account ( s ) on my credit report. Under multiple federal statutes, including the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 & 6802 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and the Identity Theft and Fraud Enforcement Act ( 18 U.S.C. 1028A ), you are legally obligated to protect my personal and financial information and ensure that my data is not misused, shared, or reported unlawfully.

Violations of Federal Laws 1. 15 U.S.C. 6801 & 6802 ( Gramm-Leach-Bliley Act ) o You are required to safeguard my nonpublic personal information ( NPI ) and ensure that it is not shared or misused without my explicit consent.

o Any reporting of my financial information without my consent constitutes a violation of federal privacy standards.

2. 15 U.S.C. 1681b ( 2 ) ( Fair Credit Reporting Act Permissible Purpose Requirement ) o You must have my direct written consent to access or report my credit information.

o If you obtained or shared my information without this consent, you are in violation of this statute.

3. 18 U.S.C. 1028A ( Aggravated Identity Theft ) o Reporting or using my personal financial information without legal authorization may be considered identity theft under federal law, punishable by criminal penalties.

4. 15 U.S.C. 1681q ( Obtaining Information Under False Pretenses ) o If my information was accessed, reported, or used without my knowledge or under false pretenses, this is a direct violation and may result in legal liability.

5. 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) o Willfully reporting false, misleading, or inaccurate information subjects you to civil liability, including damages, attorney fees, and punitive damages.

6. 15 U.S.C. 1681c-2 ( Blocking Information Resulting from Identity Theft ) o I demand the immediate blocking and deletion of any fraudulent or inaccurate information on my credit report, as required by law. 
XXXX XXXX XXXX XXXX Collection/Charge Off XXXX XXXXXXXX Accounts. 
XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I recently discovered that fraudulent accounts were opened in my name without my knowledge or authorization, likely due to identity theft. These accounts, reported by XXXX XXXX XXXX XXXX XXXX have been inaccurately added to my credit report. I did not open or authorize these accounts, and I have taken steps to dispute their validity. 

On XX/XX/year>, I reviewed my credit report and noticed the fraudulent accounts with the following details : Creditor Name : XXXXXXXX XXXX XXXX XXXX  Account Status : Reported as active and/or delinquent Actions Taken by Me : I contacted the credit bureaus ( XXXX, Equifax, and XXXX XXXX to dispute the accounts and requested their removal under the Fair Credit Reporting Act ( FCRA ). 
I submitted documentation to the credit bureaus explaining that the accounts were fraudulent. 
I am in the process of filing an Identity Theft Report with the Federal Trade Commission ( FTC ) to further support my dispute. 
Actions by the Company : The credit bureaus have not resolved my dispute, and the fraudulent accounts remain on my credit report. Despite my attempts to communicate the issue, the companies involved have not provided validation of the accounts or taken corrective action as required under the FCRA. This has negatively impacted my credit score and financial well-being. 

What I Am Requesting : I am requesting the removal of all fraudulent accounts associated with XXXX XXXX XXXX XXXXXXXX XXXX XXXX credit report. Additionally, I am requesting that the companies involved investigate these accounts thoroughly and comply with their obligations under the FCRA to ensure accurate reporting.
Product: Mortgage

After having this home equity for almost 14 years, they have sent me a notice advising me that my hazard insurance on the home expired in XX/XX/2018 and I have to provide proof of hazard insurance or they will buy insurance for me and bill me the cost of the insurance. Not only do I have hazard insurance and have had it the entire life of my mortgage but it doesn't even renew in XXXX. My home insurance has never lapsed or expired and I have mailed them a copy of my declarations page from my insurance company and I have called them several times to advise them I have hazard insurance have always had it. They have never requested this before and I have never been threatened with forcing my to pay for insurance I don't need or want. They advised me that they never verified it the past 13 years because they had a different computer system that didn't track this information but now they need it. I have sent them the declaration page like they requested and they have no right to purchase and bill me for insurance that I didn't request. They keep sending me notices threatening me saying their records show the hazard insurance expired, how could that be when then never had record of it or who my insurance is for my primary mortgage.
Product: Checking or savings account

I'm filing a complaint against Navy Federal Credit Union in regard to multiple overdraft fees I have received. I had sufficient funds to cover transactions when they were authorized but due to Navy Federal Credit Union lagging with posting charges and credits I was charged fees. This issue coincides with the recent findings CFPB against Navy Federal Credit Union for similar practices where transactions settled with insufficient balances despite initially having funds available. I believe these practices are unfair and request an investigation to be made on my account and transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two hard inquires on my credit report that we not made by me. They were applied on XX/XX/2018. I believe my identity has been compromised.
Product: Credit reporting or other personal consumer reports

I was XXXX day passed due on paying my bill for XXXX XXXX XXXX XXXX 2023. The company reported 30 days late on my report and they closed my account. I filed a dispute with XXXX to get the company to lower my payments. I paid what I could towards the balance but could no longer afford it as I am unemployed waiting for my benefits to get approved while I am looking for permanent employment. Today XXXX XXXX predatorily reopened the credit card then without my knowledge reopened my 2023 dispute from XXXX and reported more late payments. Then today re-closed the credit card account which without notifying me by email, mail or voicemail. I wasn't aware of this investigation which leads me to request a resolution with the grantor.
Product: Credit reporting or other personal consumer reports

these hard inquiries are fraud listed on my credit report I gave no permission for this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$4800.00} Chargeoff XXXX XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$52000.00} Chargeoff XXXX XXXX XXXXXXXXDate Opened : XX/XX/XXXX Balance : {$12000.00} Chargeoff XXXX XXXXXXXX XXXXXXXXDate Opened : XX/XX/XXXX Balance : {$10000.00} Chargeoff XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$13000.00} Chargeoff XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts " XXXX credit/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 XXXX XXXXXXXX, and all other hard inquiries that are not associated to any current or pre-existing accounts 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