23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have reason to believe Chase engaged in the same type of fraudulent practices as XXXX XXXX. I was a Chase credit card customer. Chase sent me publicity asking me to " upgrade '' my credit card to a Slate credit card in XX/XX/XXXX or XX/XX/XXXX. I ignored the publicity because I preferred the terms of the card I already had with them. Out of the blue, I received a Slate credit card in the mail. Initially, I thought the card looked suspicious and not like a real card. I never activated it, because I had not ordered it, and I did not want to switch from the card I already had. Then I was notified of XXXX transactions on the new card, made in XXXX ( while I lived and was in XXXX ). These transactions were made about two weeks after the card was issued. I called Chase to report the fraudulent purchases and to report that I had not ordered the card. I asked why the transactions had gone through if I had not activated the card. I told them I did not want to use it and either cancelled it, or switched the account to a different card I preferred. The customer service person refunded me the fraudulent charges, but Chase never explained to me why my credit card had been switched to a different card I had never asked for. Also, the customer service person said a card had been swiped at the store in XXXX, although it appeared I had received the card in an original Chase envelope with the standard new card letter. This, and the fact that the purchases happened so soon after the card was issued, and because Chase headquarters are in XXXX, made me suspect insider fraud. I thought the employee who had the card issued to me without my authorization may have made a duplicate of it ( or the one I received was a duplicate ), and he or she used the other card in XXXX. I did not follow up on my complaint about the card being issued without my approval earlier because I had been refunded for the fraudulent purchases and I quickly changed the card to one I preferred, but hearing about what happened at XXXX XXXX, I thought it was my duty to report this to the Federal government to assist in any investigation of Chase Bank that may be undertaken, in case this was not just a single occurrence but a systematic practice. Thank you for considering my complaint.
Product: Mortgage

Citizens Bank / XXXX XXXX XXXX XXXX has me listed on my credit as of XXXX 2017 as being 120 past due I have not been 30 days late in 4 years. I sent to Citizens CET department a list of all payments including the confirmation numbers that the payments cleared. Citizens also added a fee of {$640.00} for an appraisal fee and told me it is because I was more than 90 days late ( which is not true ). I am trying to refinance my home and can not because of their false reporting of this. I faxed and emailed them on X/X/2017 although they have contacted me and acknowledged they are looking in to this but will not straighten this out.
Also they charged me a late fee of {$10.00} because they say its more than 10 days past due but there is a 15 day grace period.
Product: Student loan

I have been trying to put my private loan into in-school deferment. I called several times since the beginning of my school semester, which started in XXXX XXXX. I spoke to several representatives and supervisors and each time I get a different excuse as to why my loan will not be put into in-school deferment. I have sent every document they have requested from me. including documents felled out and sent by college representatives. I was told this is an easy process and each time I call in to find out what is going on they seem to put the blame on the former representatives that I have already spoken to. They keep telling me that the documentation that is requested is incorrect and I have to do something else. I have been trying to avoid this being reported to the credit bureau because this is out of my control. 
I do attend college half-time. I am a student with XXXX University and a transient student with University XXXX XXXX XXXX XXXX. I am taking XXXX credit hours this fall XXXX semester and both colleges have reported to clearing house. The problem is that I am less than half time according to clearing house because my attendance is in XXXX different colleges. Navient is aware of this and has told me not to worry this is an easy fix with a statement from one of my colleges. Well I have done everything I could and provided numerous documents and they still refuse to put my loan into in-school deferment. I am registered for the spring XXXX semester as a full-time student and in XXXX there should not be an issue, but until then I need my loan with them to go into in-school deferment.
Product: Debt collection

On XX/XX/year> phone calls were made and letters were sent asking for validation to portfolio recovery associates for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 U.S Code S 1692g - Validation of debts 15 U.S.Code S 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies. ( a ) DUTY OF FURNiSheRS of information TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITiION ( A ) Reporting information with actual knowledge of errors 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

On my background shows I was charged with a XXXX case I have taken this to trial and found not guilty of all charges and would like information updated .this information should not be considered in hiring me with in companies.
Product: Mortgage

My husband got sick last year and ended up in the hospital all of our income went to pay for his care, he is on XXXX, he was making the house notes out of his XXXX, the bank did a return of the note and had to access to make a payment on line, nor view our account. do to the medical bills and working from home to take care of him full time my pay decreased for a little while. we are desperate to keep our home as we have no place to go if we lose our home.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to inform you that I have been a victim of identity theft. After conducting research on how to remove the fraudulent items from my credit report, I discovered that I need to file a report with the Federal Trade Commission, which can be done at XXXX. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to remove any items listed in an identity theft report. 
Enclosed are the necessary documents to assist in the removal of the erroneous information currently appearing on my report. Below is a list of items that do not belong to me or were opened without my authorization As stipulated in FCRA Section 605B ( a ), credit reporting agencies are required to remove any information identified by the consumer as resulting from identity theft within XXXX business days of receipt of this request. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/2019 Please remove it from my credit report. 
2. The following account is not mine XXXX  XXXX XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 
3. The following account is not mine XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
4. The following account is not mine XXXX XXXX Account Number :  XXXX Please remove it from my credit report. 
5. The following account is not mine XXXX  XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 
6. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report 7. The following account is not mine XXXX  XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report 8. The inquiry was not authorized XXXX  XXXX XXXX  Date of inquiry : XX/XX/2019 Please remove it from my credit report 9. The inquiry was not authorized XXXX/XXXX  Date of inquiry : XX/XX/2019 Please remove it from my credit report 10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I sent an international wire transfer that Chase claims was sent, however the receiving bank has not seen payment. After several attempts for information from Chase, I was left on hold for extended period and later told to send an email to online support in resolving my issues. Where is nearly {$490.00} USD of my money and why don't I have answers about the receipt of funds? This is unheard of.
Product: Debt collection

Hello. 

This account was paid in full. 
An arrangement between the lawyer and myself. 
Last week call the attorney to file a complaint Because that still keep it as debt collection {$150.00} He replied that it had been a mistake I was going to erase that negative report. 
This appears in XXXX Report. 
XXXX XXXX Original Creditor XXXX XXXX. 
Open Date XXXX XXXX, XXXX Balance {$150.00} Collection Debt {$150.00} XXXX This appears in my bank report. 
XXXX/XXXX/XXXX XXXX * GA {$370.00} I need your help please. 
Kind Regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  TEXAS, XXXX XX/XX/XXXX NISSAN ACCEPTANCE XXXX XXXX XXXX XXXX, TEXAS XXXX Re : Account # XXXX | SSN : XXXX Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : XXXX XXXX XX/XX/XXXX ( 19 RECORDS OF LATE PAYMENTS ) It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negative documentation impact my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the expressive time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would demand that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your attention and understanding in this matter. I look forward to hearing back with the positive adjustments made to correct payment history by removing everything negative inflicted on my reputation as a upstanding consumer. 

Regards, XXXX XXXX XXXX : CFPB FTC Texas Attorney General
Product: Checking or savings account

Original Complaint XXXX The original complaint was closed after the bank promised to issue funds in XXXX business days on XX/XX/year>. I still have not received the funds that the bank is illegally holding. 

I am not disputing the bank 's right to close an account. They have been illegally denying access to the balance ( more than XXXX ) in my accounts since XX/XX/XXXX. The bank has also been making false promises as to when funds will be released. 

Employee ID : XXXX suggested that I should travel to TX from CA to settle this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX A XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX
Product: Mortgage

I asked Ocwen Loan Servicing for a loan modification after my husbands illness. At the time I was behind in payments and was willing to pay longer for less a month. Instead of lessening my payments, they have charged me {$1200.00} instead of {$800.00} After the XXXX we had in the XXXX, I could not keep up.We had tree damage, very high heating bills and the co-pays on my husbands XXXX medications went up. I thought I would Get help from Ocwen, but I did n't. I agreed out of fear for my home.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX Balance Owed : {$950.00} XXXX XXXX Balance Owed : {$2100.00} XXXX  XXXX Balance Owed : {$16000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had = investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i was shopping for my new business bank, so i was checking pre-approved offers at multiple banks and credit companies. I was given a link to check PRE-APPROVAL for line of credit / credit card for CHASE bank. The system asked me for my information just like other preapproval processes, i DID NOT consent to HARD CHECK, if i was aware i would have not gone through with it. Chase bank had deceptive marketing tactic to take my information and do a hard check. Now i have a credit inquiry on my record which should not have been there at the first place. I am trying to contact Chase to resolve this, but they are unhelpful. I want to apply for SBA Loan in future this is something i didnt expect, my score was pulled without consent, with fake and deceptive practice. I wish to resolve this by removing the PARTICULAR inquiry from my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I received a letter that the XXXX XXXX account was paid and settled in full. They are showing a balance on my credit report and showing charge off in comments. In comments should be settled and paid in full as all my other reports I settled on shows. Unfair reporting. I was also promised a pay and settle to delete from credit report which was also not done. XXXX XXXX was the original owner then sold to XXXX XXXX I believe then winded up in the hands of XXXX XXXX   XXXX, XXXX which I settled and paid with portfolio recovery on XX/XX/2017. Please correct credit report Ive been fighting this since last year.
Product: Checking or savings account

On XX/XX/year> I noticed {$420.00} withdrawn from my savings acct and deposited in my checking acct along with the {$70.00} to make the {$490.00} XXXX payment to a person named XXXX. I did not make this payment, I do not know this person, nor did I authorize of any of these transactions. The bank was anything but helpful. they kept say ing that it was made from my phone and have visual proof that it was made by me. 
I terminated my accounts and went to another bank. XXXX from escalation said that they would not overturn the claim. 
and that the escalation team does not have to provide their work items nor any proof of verification to me. 
I have reported this to law enforcement. 
I contacted the XXXX  XXXX XXXX and then file this complaint.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to the inadequate customer service and unfair practices, whats violate the consumer financial protection act ( cfpa ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected, furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronics fund transfer act ( EFTA ) and regulation E. These actions has caught significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, Equifax, XXXX in regards to unauthorized, inaccurate, and unverifiable information, inquiries and accounts on my report. They refused to assist me in the accurate investigation of these cases when I filed disputes with them, some they wouldn't help me dispute at all. In accordance with the fair credit Reporting Act XXXX, Equifax, and XXXX have 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 states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692C, Accounts : XXXX XXXX XXXX Texas, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX. also several inquiries from 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 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, XXXXXXXX XXXX  all dating from XX/XX/XXXX - XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

upon checking my credit I discovered the inquiries, I have no knowledge of these inquiries : XXXX-Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXXXXXX XXXX XXXX-Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX-Inquiry : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXXXXXX XXXX-Inquiry : XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00}
Product: Debt collection

XXXX did not provided adequate verification for debt question. No documents were provided showing a contract or signature
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I attempt to get a job or credit, the following fraudulent addresses are appearing on my report and should be removed immediately : XXXX XXXX, XXXX, TN XXXX Date reported : XX/XX/XXXX XXXX XXXX, XXXX, TN XXXX Date reported : XX/XX/XXXX XXXX XXXX, XXXX, TN XXXX Date reported : XX/XX/XXXX XXXX XXXX XXXX, NY XXXX Date reported : XX/XX/XXXX XXXX XXXX XXXX, GA XXXX Date reported : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report incorrect information on my consumer report. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX, PA XXXX there should be no other information on my consumer report. 

I am filing a complaint regarding incorrect personal information being reported on my credit report. The inaccurate details are affecting my ability to obtain credit and are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, which requires that credit reporting agencies maintain accurate and up-to-date information. 

Despite my previous attempts to correct this, the errors persist, causing ongoing harm to my creditworthiness. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure that the credit reporting agencies correct the inaccurate information on my credit report.
Product: Credit card

XX/XX/2024 I contacted Citi Bank about my Home Depot credit card, I was given a 24 month XXXX interest promotion when I signed up for card and the promotion applied was only XXXX. While Citi bank was proactive in getting that corrected and the amounts credited back to the account and the correct promotion applied, they never adjusted the minimum payment due. 
XX/XX/2024 I contacted Citi bank again about the incorrect minimum payment due. I was informed that my minimum payment due is 1 % of the total balance plus interest and fees. Because of my promotion of 24 months XXXX interest, I am exempt from interest charges being included in the minimum payment for 24 months. My minimum payment has ranged from $ XXXX per month with this promotion over the last 18 months. After the mishap with promotional zero interest, my minimum payment shot up to {$220.00}. When I called Citi bank to have this adjusted to the correct amount, they insisted that it is correct and can not be changed, then proceeded to tell me my minimum payment would go back to the normal amount next month. The minimum payment due is based on an inaccurate calculation. City bank maintains that the minimum payment is based on 1 % of the balance plus interest and fees. This statement is wrong because I am not supposed to be charged any interest for 24 months. City bank said I need to pay almost 4 times the minimum payment because of when the statement was run. The minimum payment was calculated when the incorrect promotion ended, but when the correct one was implemented the minimum payment would stay the same and they have no way of changing it because of how their system works. 
At this moment I am only able to make my normal minimum payment of {$68.00} because of a hardship and I have other obligations to maintain as well, but city bank is forcing me to pay for their mistake. 
I feel this is very unethical and a bad business practice. Citi bank threatened me with late fees and other actions if I didnt pay the incorrect {$220.00}. I have never missed a payment and I have alway held up my end by making at least the minimum payment.