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

I have a {$200.00} secured credit card with Navy Federal. My balance on my card was {$420.00} I was 60 days late on making my payment. I made a {$420.00} payment on XX/XX/XXXX a duplicate payment was sent for an additional {$420.00} Upon realization of the additional payment I requested for it to be canceled. I asked for it to be sent back to my XXXX XXXX checking account ( which is where the funds originated ) Instead of sending the funds back the {$420.00} it was put into my Navy Federal Savings account. I have no access to move any money except to my credit card so I used my credit card to make purchases I then transferred money from my savings to my credit card to pay down my balance. My savings account has a balance of {$0.00} my credit card that I just paid off twice ( which again only has a credit line of {$200.00} ) is currently at a balance of {$310.00} I have not been able to transfer my money to any account except for my credit card. I was then informed that my original {$420.00} payment that posted on XX/XX/XXXX was declined due to insufficient funds. This was on the day when I received my tax returns and 2 separate deposits from both my jobs. The first payment I made when I got my money was the {$420.00} to pay the balance of my credit card. Once again NFCU has no idea how this occurred other than to blame me and leave me stuck with the bill. I have had my checking account taken away after I was the victim of fraudulent charges. I am also in risk of losing my account and being made to look like my claim is misleading and untruthful. I do not have money to afford the legal defense to file a lawsuit in court and prove my claim. Because of this NFCU continues to ignore my requests to resolve this. Sadly, Banks get away with this all the time. Im sure when they inevitably face another financial crisis they will fortunately not have to endure the same treatment and will instead be saved.
Product: Credit card

We have had for a number of years a Visa XXXX XXXX Chase XXXX XXXX card. We are not and have never been delinquent. Our card was cancelled without notice to us. We have spent countless hours and talked to no less XXXX different people at Chase/ Visa all of whom say they have no idea why the card was cancelled, they do not know anything and we should call some one else.The most aggravating run-around you could imagine. This is causing us -- seniors -- great trouble with our vendors, but the greatest frustration is Visa/ Chase XXXX who never notified us in the first place and now repeatedly ignores us when all we want to know is why they cancelled our card?
Product: Credit card or prepaid card

Capital One credit card has unfairly and unilaterally closed my business account along with another joint credit card account without any notice and proper justification. My husband and I have outstanding credit history and have never missed a payment. All charges made to both accounts have been well in line with the credit card agreement and with verbal and recorded phone interviews with the company. Capital One refused to elaborate on the account closing and gave no choice to reopen both accounts. They cashed out my rewards at half the accumulated points.
Product: Debt collection

Reported an account listed on my credit to Equifax. There is no name for the company. Also, the account number is XXXX. This account does not belong to me. I have contacted Equifax TWICE regarding this account. My requests have been ignored
Product: Mortgage

I received a Pre-Qualification letter in the amount of {$450000.00} from XXXX XXXX at Santander Bank on XXXX XXXX. I told XXXX that I didn't have 2yrs income, but XXXX said I would still be approved. I then went searching for properties in Connecticut. I found a property and my offer was accepted on XX/XX/XXXX, I sent XXXX the contract to start processing right away. Throughout the process XXXX has been misleading and didn't inform me on anything that was going. My Realtor called XXXX on XX/XX/XXXX to get an update on the process she asked why haven't I started my Loan application and XXXX told her I did my loan application a long time ago which was incorrect. She then told him that I never signed anything so how was the mortgage application completed with my knowing and without a property in place. She asked XXXX if he explained the process to me and he told her he did, but he can't always be available because he is over 3 different branches and is busy.she asked if there was someone else she could speak with regarding this loan and he told her no. XXXX then called me to process the mortgage application on XX/XX/XXXX. My Attorney, My Realtor and myself called XXXX to get an update on XXXX and XXXX stated he should hear something by XX/XX/XXXX. He never told us he just processed the application. I didn't hear anything back from him so my Realtor called him on XX/XX/XXXX for status update but XXXX didn't answer her call. He then called me telling me the loan was denied. He didn't give me any paperwork or anything. My realtor called the branch located in the XXXX and the staff wouldn't connect her to a manager. The Sellers are holding {$7500.00} of my money and I can't get it back without a denial letter. Also, XXXX knew I only earned {$15000.00} in XXXX and my XXXX XXXX  was XXXX for my new business that has been opened for 1yr. Instead of telling me the truth he lied and dragged this whole process out. He also switched my loan fromFHA to Conventional without my knowledge but told my Realtor he didn't know Connecticut FHA guidelines were different from NEW Yorks.
Product: Debt collection

I have sent in a complaint to you before. XXXX stated that they can not find the debt they are stating I allegedly owe. How are they able to report THIS NEGATIVE information on my credit report? I've requested information from XXXX THREE times to show that this was my debt and I haven't received ANYTHING from them. I responded to them with some number that is stated on my credit report and AGAIN, I still have not heard from them and it is STILL on my credit report. Do I need to sue for damages to have them finally remove this?? I would like a resolution to this issue, not just have them respond and you drop it!
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 ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : 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

Hello, Capital One Auto Fin. The account is inaccurate.

Checking my 3 credit reports and the closed account is reported as inaccurate, affecting my credit score. XXXX has deleted the false reporting, and XXXX is reporting a closed acct. with an inaccurate large balance, same with XXXX. My car insurance company paid the car loan off because of an accident.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I never use my Macy 's credit card, but I needed a black tie for a gig ( those were the days! I'm a XXXX. ) and I went to Macy 's at the XXXX XXXX XXXX in XXXX XXXX, California ( on XX/XX/XXXX ) and bought a tie for XXXX dollars ( {$26.00} with tax ). I thought, " Hey ; I have this Macy 's credit card that I never use. Why not use it? '' Then I forgot about it. The first bill I received was in XXXX and it was for... XXXX XXXX and XXXX dollars! I immediately called Macy 's customer service to tell them that I hadn't received a bill until now and to ask that they remove the charges. They refused. I went ahead and paid for the tie, but I refused to pay anything more. 

( I swear I didn't get a bill until XXXX. My wife picks up the mail and sorts it. She didn't see one ; I didn't see one. I hate to think that this might actually be a tactic of Macy 's, but it could be. I've heard they are struggling financially. If they are intentionally delaying the mailing of statements in order to charge late fees... that would be criminal I would think. When I asked a company rep if statements were actually mailed, she seemed evasive. ) I received another bill on XX/XX/XXXX... with another {$40.00} late fee plus interest tacked on! Even though I paid for the tie! So Macy 's had now charged over {$120.00} of late fees and interest for a charge that I paid as soon as I received it! For a XXXX dollar tie! How long were they going to continue to charge {$40.00} per month ( plus interest )? 

I called customer service again. They initially refused to budge, but after spending well over an hour on the phone, often on hold, asking for supervisors twice,... I settled the issue for {$38.00}. ( Plus the original {$26.00}. ) Can this sort of usury be legal? Calculate the imputed interest on a {$27.00} loan for a few months! Well over 1,000 % for what they charged me! Around 400 % annual interest for what they settled for.
Product: Debt collection

I have a medical debt that was being paid on a regular monthly basis with XXXX XXXX in XXXX XXXX XXXX Utah. The company was accepting my monthly payments on a medical debt from a XXXX and hospital stay and gave me no options to continue to pay monthly until the debt was paid in full. They instead transferred my account balance over to a collection company called IC Systems to collect the payments instead which is now reporting on my credit reports as a collection account. I find this to be incredibly unfair to be damaging my credit report when I have been more than willing to continue paying uninterrupted monthly payments. This has caused me a hardship because my other creditors can take adverse actions against me even though I have done nothing wrong.
Product: Credit card

I closed this account on XXXX XXXX, XXXX as part an agreement with Citi for me to opt of fufther interest rate increases, and for Citi to waive interest for one year. The interest rate at that time was 8.24 % and was to stay fixed until the account was paid off. Beginning with my statement ending XXXX XXXX, XXXX, the interest rate was increased to 8.49 %
Product: Debt collection

The claim was denied by the insurance because it went to my secondary insurance first ( please see, page 3 of 7 part of the attached EOB ). 

XXXX XXXX  never billed the primary insurance ( please see the attached XXXX mail from primary insurance ). 

XXXX XXXX  needs to bill all three climes to my primary insurance, and it will be covered ( please see the attached insurance card of my primary insurance ). 

According to the attached e mail from the primary insurance, all other services pilled them, except for XXXX XXXX, which proves this claim is an error from XXXX XXXX. 


All the above information was provided to the collection agency within the appropriate time frame, but it was ignored for some reason. and they used abusive language during the last call and provided false information by claiming both health insurance was billed.
Product: Money transfer, virtual currency, or money service

A bank wire was initiated and sent from XXXX XXXX to Chase Bank on XX/XX/XXXX. The wired funds in the amount of {$250000.00} was seized by Chase bank on XX/XX/XXXX. The recipient of my bank wire claims that Chase bank has agreed to return the funds to me. Chase bank will not communicate with me or with my bank specific to the seized money. I did receive one telephone call from a Chase bank employee on or around XX/XX/XXXX. During that conversation, the Chase bank representative confirmed to me that Chase bank has the {$250000.00} in their possession.
Product: Credit reporting or other personal consumer reports

These entries in my credit file stem from the unauthorized use of my social security number and card. I am not aware of, nor did I authorize, the opening of these accounts in my name. Furthermore, they are unrelated to any actions I have taken. 

The discovery of these unauthorized accounts has caused me significant distress and frustration. Dealing with the misuse of my personal information has been an unwelcome burden, and I am deeply upset by this violation of my privacy. 

It is unacceptable that such unauthorized activities have occurred, and I am determined to rectify this situation promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

my accounts XXXX account number XXXX date opened XX/XX/XXXX and XXXX XXXX account number XXXX date opened XX/XX/XXXX, are reporting one late to credit reporting agencies. which are inaccurate, so please have these inaccuracies removed especially when i have the creditors letters as approval to do so. 
thank you for your cooperation please find attached the creditors letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information is being inaccurately reported on my credit reports. The information is being reported by Nelnet. I previously tried disputing information with the credit bureaus. Each bureau came back indicating that the account was either verified/updated. My last attempt was trying to clear the matter up with Nelnet. On XX/XX/XXXX I faxed a dispute to Nelnet advising that information was being reported incorrectly and that I would like for the 12 accounts of which they are reporting to be removed. I called Nelnet on XX/XX/XXXX just to confirm receipt of my dispute. I was advised that a decision was made on XX/XX/XXXX and the request was denied. I have not received any correspondence advising of the denial at this time. I don't understand how a complete investigation can be done in a day 's time. I do not believe that Nelnet has done its due diligence in investigating my dispute. These accounts are reporting under XXXX on my credit reports. These accounts have been closed and transferred so I really can't understand why Nelnet is refusing to remove the accounts considering they are reporting inaccurately. It appears that they keep updating my payment status which is somehow prolonging the length of time for them to report. The attachment provided clearly shows that they are reporting my account current and then the following month with 90 days late. How can you be 90 days late without being 30 or 60 days late?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 trying to buy a home, lender gets back applicant file Frozen at xpn due to State legislation. Experian can not see anything in there system saying that my account is frozen and Lender should be able to look into my account. I've tried 3 different lenders that get back the same information. When I log onto my Experian account and try to apply for a credit card they said just it says that there is a freeze on my account and I need to lift it. I have been on the phone with them numerous of times since XXXX to XXXX and they keep telling me my account is not froze.
Product: Debt collection

After performing a credit check to get a new apartment I was alerted to a debt from XXXX  that an Aldous and Associates had placed into collections and was currently causing a negative impact on my credit report. I have attempted to get into contact with the company to get even an idea of what they were collecting on and it wasn't until I reported them to the credit agencies that I received an automated message stating simply the details of a false/discharged debt from a {$10.00} a month gym to the XXXX XXXXXXXX that Aldous is seeking XXXX The automated message did also make sure to mention that : " THIS IS AN ATTEMPT TO COLLECT A DEBT : ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. 


At this time, no attorney with this firm as personally reviewed the particular circumstances of your account. '' So do you mean to tell me that Aldous and Associates are just engaging in automated spurious legal suits that zero of their staff has even reviewed leaving a huge possibility for inmacuracies in debt amount, type, and status. According to AZ statue of limitations I do not believe it's even legal for them to be attempting to collect on the debt, but when I attempted to respond it was just a noreply and bounced my message back. 

So I'm being sued by an automated legal system that has admitted no human has even reviewed the merit of their claim against me and allows me XXXX avenues of communication to dispute that with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX  # XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/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: Debt collection

McNeil & Meyers is attempting to collect a debt that they say is owed to XXXX. I did not open an account nor solicit any services with XXXX. Nor did I provide them any of my personal information. On XX/XX/year> McNeil & Meyers was notified by certified mail with confirmed delivery of receipt, to cease and desist any and all attempts to collect a debt from me and to remove any invalidated or inaccurate negative mark found on any of my credit reports while the debt was being disputed. However, McNeil & Meyers continued and are continuing to report the invalidated or inaccurate negative mark and updated it monthly. This is causing me a great deal of stress. At this point I am prepared to file a formal complaint with the Texas State Attorney Generals Office and the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted multiple disputes and an FTC report for the following fraudulent accounts. None were deleted : Transunion : XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$1100.00} XXXX  {$380.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$250.00} XXXX  : XXXX XXXX XXXX {$250.00} XXXX  {$380.00} XXXX XXXX XXXX {$570.00} XXXX  : XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$1100.00} XXXX  {$380.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$250.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX VISA CREDIT CARD FROM CHASE, XXXX XXXX ACCOUNT WITH XXXX ONLINE SERVICES AND PERSONAL CHECKING ACCOUNT FROM XXXX XXXX WER ALL LINKED. A XXXX PAYMENT EITHER NOT RECEIVED OR PROCESSED BY CHASE CAUSED A 30 DAY XX/XX/2018 NEGATIVE REPORTING FROM CHASE TO CRA 'S. I FOUND OUT ABOUT THIS ISSUE ON XX/XX/2018, I WAS NOT CONTACTED ABOUT NEGATIVE CREDIT REPORTING VIA NOTIFICATION BY CHASE. 
THE 30 DAY ADVERSE ACTION CAUSED A CREDIT REDUCTION, FEES, ADDED FINANCE CHARGES, A REDUCTION IN CREDIT AVAILABILITY TO A DECLINE FOR CREDIT A CREDIT RATING IMPACT. I CONTACTED CHASE ABOUT XX/XX/208 AND WAS TOLD THEY COULD NOT DO ANYTHING, THEY DID NOT OFFER A ONE TIME GRACE PERIOD OR ANOTHER REMEDIATION.THIS IS THE SECOND CHASE PRODUCT THAT SUFFERS FROM BILLING ISSUES, REPORTING ISSUES AND NOTIFICATION ISSUES FACTA, FCRA, CONSUMER PROTECTION LAW, IT IS WITHIN THE PENUMBRA OF THE ESTABLISHED CONCEPT OF UNFAIRNESS. I REMIND CHASE OF THE CFPB CONSENT ORDERS AGREED TO BY CHASE, FILE NO XXXX- CFPB- XXXX AND FILE NO XXXX- CFPB- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated that account XXXX # XXXX was properly investigated, but how is that possible if the monthly payment is inaccurate, Date Opened is inaccurate, Balance is inaccurate, late payments are inaccurate, High Credit is inaccurate, Last Reported is inaccurate, Date of Last Payment is inaccurate. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose