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

I opened a Chase Card for my wife. The card account number is XXXX. I have never been late and made every payment on time. I have paid off the balance in full each month. I monitor this card from my account profile at Chase Bank. I have made every payment from this profile and every payment has been early. In the beginning of XX/XX/XXXX Chase restricted my profiles access to the account. This is particularly a problem right now since I am in the process of disputing a charge. I have attached that dispute summary to this file. Since Chase has Denied my access to this account I am required to mail this summary to chase or go into a branch and have the chase branch fax the dispute form in. If my personal profile had access to this account I could simply attach the response to a secure message in Chase.com. This has cost me at least two hours of time so far and is making it difficult for me to exercise my rights. My wife wants me to have access and is irritated with me because I am no longer able to take care of issues on this card without her. The Chase policy is making it more difficult for me to pay my bills and making it more likely I will be late on a payment, or fail to respond to dispute correspondence in a timely manner. Since I have never failed to pay the full statement balance on time and have not been charged any fees this action is clearly a means to make it more difficult for me to pay my bills and more likely to be charged fees. 
It is in the best interest of the monetary system for people to be able to easily pay their bills. Having Banks create arbitrary rules that make it more difficult for consumers to pay their bills and more likely the bank will make fees has a negative impact on our monetary system. Can you please require chase to give authorized spouses access accounts. This is a joint account that I share, have a card issued in my name and have had access until XX/XX/XXXX. The fact that I need to take the time to write this complaint is sad and I hope the person at Chase who made this rule loses their job.
Product: Checking or savings account

This is the second complaint. In XX/XX/2022 they closed my account in the name of XXXX XXXX  the last check I deposited was cashed by the bank but they did not give me the funds of {$10000.00}. 

The funds have not been returned to the company that gave me that check, I had to borrow to be able to return that money, since that company would accuse me of theft, I lost my job and my prestige thanks to Bank of America. It's been almost a year and until today they do nothing, they don't return the money to me, nor to my former client.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX with a balance of {$9900.00} Account number XXXXXXXX XXXX XXXX XXXX Opened XX/XX/XXXX with a balance of {$25000.00} Account number XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I spoke with a Citibank representative over the phone on Saturday XX/XX/2021, and explained that I had a check drawn off Citibank account and inquired on availability. I was told that funds we be available Tuesday Morning XXXX XXXX. I deposited the check on Saturday XX/XX/2021 and included a cash deposit. The available balance was {$340.00} which would cover any purchases. However on Tuesday XX/XX/2021 I received information that my account was overdrawn by {$160.00}. When I inquired that stated that it is their normal practice sometime to withdraw the available funds and place the entire deposit on hold again. However I was never notified of such hold and it is unclear how you can place a hold on cash. This is the 2nd time that this bank has done this to me and charged me {$34.00} for every transaction that has come through the account after they withdraw available funds. I have had consistent issue with this bank and although you have proof of their errors they still manage to charge you. I have a receipt to show proof of not only this deposit but where it shows the funds availability. This seems to be an ongoing problem with this bank with no notification provided to the consumer that they are removing available funds to place deposit on a hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the immediate removal of fraudulent inquiries on my credit report. Upon reviewing my credit report, I noticed several inquiries that I did not authorize or initiate. 

As a responsible consumer, I take great care to maintain the accuracy of my credit report, and these unauthorized inquiries not only jeopardize my credit score, but they also pose a risk to my financial security and well-being. 

I demand that TransUnion take immediate action to investigate and remove these fraudulent inquiries from my credit report. I am requesting that this matter be resolved as soon as possible, as I believe that these inquiries are negatively impacting my creditworthiness and financial reputation. 

I would appreciate your prompt attention to this matter. I have already filed a report with the FTC and also sent in certified mail, an Identity Theft Affidavit with my SS card attached and my driver 's license for identification purposes. If you require any further information or documentation from me to support my claim, please let me know and I will provide it promptly. 

Thank you for your attention to this important matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. Shows incorrect balance and the account shows incorrect late payments. Acct. Was granted for Financial Forbearance was granted 3-Times. By XXXX XXXX XXXX. Financial Forbearance was granted for 3-Months XXXX XXXX XXXX, It's Written in the Lease, No Late Payments and No Missed Payments will Not be Reported to the. credit bureaus, XXXX XXXX XXXX, Reported to all three credit bureaus as 7-9, Late Payments. 
According to the Lease Agreement. When A Financial Forbearance is Granted, All Payments will be Added to Loan and must be paid at the back End of the Loan. 
XXXX XXXX XXXX Also recently added {$750.00} In Collections Added to the Account. 
This is Incorrect info to the car loan. 
{$750.00} is from a old collections XXXX. 
XXXX XXXX XXXX XXXX XXXX. 
On XXXX, XXXX XX/XX/XXXX Acc. Bal = {$12000.00} Loan Amy. = {$12000.00} Collection Acc.Added = {$13000.00} Incorrect Collection Account was added in the amount of {$750.00} This should be Removed. 
This Information was reported by ; Experian Request Corrections to be made with Experian.
Product: Debt collection

XXXX XXXX I received multiple calls from OneMain financial .They also emailed me letting me know that I have a balance of XXXX. I emailed them and told them that i am going through a hardship. XXXX XXXX  keep calling me on the weekends and after XXXX pm. So what do I do in a situation like that? Is that called harassment? please let me know if they are anything I need to do on my end? 
ThANK YOU XXXX XXXX
Product: Debt collection

Per XXXX XXXX and the records.. The Walmart account did bot contain any of my personal information except the Social Security number was off by one digit which allowed my social security number to be on the account. Synchrony has corrected the Social Security number on the account and the account should be removed from my credit within 30 days. But the collection agency is refusing to deleted from my credit even thout I provided a letter from Synchrony bank stating that this is not my account. XXXX XXXX keep reporting it the XXXX and all of the credit bureaus. I tried to explained to them that this is not my account they confirmed that they have the letter I submitted to them on XX/XX/2018 from Synchrony clearing my name and social security but, they are mean and rude and won't deleted from my credit. I'm in the process of buying a house and this is affecting me big time. XXXX XXXX XXXX last reported it to my credit on XX/XX/2018 after knowing that is not my account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Student loan

I paid off one of my two ( 2 ) loans. There is a {$0.00} balance on one loan and an XXXX balance on the other. I am trying to pay off the balance on the other but it keeps trying to attribute a portion of the money I'm trying to pay on the balance to the {$0.00} balance on the loan already paid off so I would be overpaying on a loan that is already at a XXXX dollar balance!!!!!!! 
I am accruing interest BY THE DAY so by not helping me, ED FINANCIAL is cost me more money every single day. I am so so upset that no one will help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. All account listed on my consumer report, and mentioned below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 And have caused injury Violators, Equifax, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account numbers not mentioned here for privacy, all on report 15 USC 1681 section 602A States I have a right to privacy 15 USC 1681 SECTION 602A section 2 It also states that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 c ( 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 conviction of crimes. All rights are reserved without prejudice.
Product: Debt collection

I am writing to file a complaint about how IQ Data is handling my debt. They are trying to collect {$6400.00} from an old lease agreement, but I believe their methods are unfair and possibly illegal. 

Every time I talk to them, they ask me personal questions that seem unnecessary, like how much money I have in my bank account, how much cash I have, if I have credit cards and if so how much are the credit lines, if family members can lend me money. After getting this information, they use it to push me into making payments. If I refuse, they say things like, " You have this amount in your bank account, so you need to pay us that. '' " You can use your credit cards to pay the balance. '' This makes me feel pressured and uncomfortable. 

Ive tried to negotiate a settlement with them, but they either demand random amounts or refuse to ask their client about my offers. Once, I mentioned that the money I wanted to use for the settlement was a loan from my father, and the agent said they needed to talk to my dad to get more money, which I think is inappropriate and against privacy laws. 

They have also offered to delete the debt from my credit report if I pay in full, which I understand is called " pay-for-deletion '' and is not allowed by law. This feels wrong to me specially because they use is as weapon saying that " nobody would rent me a property if I have the debt even paid in my credit report ''. 

The company hasnt given me important disclosures they are supposed to provide, like telling me about my rights when I talk to them XXXX XXXX XXXX. Recently, I found out the debt is over five years old, which means its past the time they can legally sue me in California, it is my understanding they have to disclose the debt is too old to sue, but they didnt tell me this and have even threatened to sue. 

Ive asked for an itemized statement or proof of the debt, but they refused, saying the time to request that information has passed, which doesnt seem fair. I want to know how they calculated the amount theyre trying to collect, but they havent been willing to explain.
Product: Credit reporting, credit repair services, or other personal consumer reports

on the date of XXXX i submitted a dispute to Experian in reference to the incorrect information that was listed on my consumer report which is hindering me from advancing in my life. I am currently in the process of purchasing a home and due to the incorrect data i am unable to move forward in that process. The most stressful part of it all is that my information was included in the XXXX data breach and it seems as though Experian is unconcern about that fact. The proof shows in the fact that it is nearly 60 days from the date of my initial letter which was sent via usps certified mail which shows the date that my letter was received and that date was well over the allotted 30 day timeframe. it also gives the impression that my right to dispute the incorrect data on my consumer report was violated. AN investigative consumer report is supposed to be completed as well as not include specific factual information. experian responds with that the thought that it is not me who is disputing my incorrect data on my consumer report which i include my photo id and a proof of address ( bill ) to confirm that i am who i say i am. i have also attached those documents showing proof of who i am in with this here complaint. CFPB please ensure that experian honor my right for me to dispute the incorrect information on my consumer report and due with the fact that they did not investigate remove all the incorrect data that i disputed
Product: Debt collection

While trying to refinance my home with XXXX XXXX  my credit report reflected I had several debts amounting to {$16000.00} with XXXX XXXX. I did not recognize that debt nor had I received any notices from IC Systems ( collection company ) regarding these amounts. XXXX bank representative called IC Systems trying to clarify this matter but they ended up giving us the phone number of a local hotel instead. I was able to get proof from the hospital that I did not owe anything to them and that they had not sent me to collection either. The hospital representative also called IC Systems to explain the situation buy they said to call in a while. I have called them again but can not get a definitive answer because they say they are disputing with the hospital and they can not give me proof that I do not owe anything. Meanwhile my credit is messed up and can not go forward with my loan.
Product: Payday loan, title loan, or personal loan

In  XXXX   XXXX , I applied for a loan wit h Cashcall in the a mount of approximately {$1500.00} dollars. I recieved a loan in the amount of {$2600.00} with a APR of  204.94 p ercent. It was not until recently that I was aware that I was a victim in  Cashcall 's illegal online lending practices, specifically applying for a loan and recieving an amount higher that what I requested in an effort to charge an un-capped APR o n the amount. I never recieved any notification from  Cashcall that I may be included in a class action law suit. It was only until I searched their name on the internet, did I find all of the lawsuits Cashcall was named a s a defendent in for illegal and scandalous lending practices.     I disputed this debt with  XXXX ,  XXXX  and  XXXX  on the grounds that this debt was illegal and requested them to investigate. I provided copies of minute orders for the courts and as newspaper articles surrounding the lawsuits against  Cashcall, including the one from the Consumer Financial Protection Bureau. The credit reporting agencies concluded their investigations and claim that the account is accurate. However, after the investigation was concluded, Cashcall c hanged the account fro m Paid as Agreed to 120 DA YS LATE on all of my reports. ( see attached credit reportings dated  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX   )  This is inaccurate and appears to be in retaliation for me disputing the legal grounds of the debt. The debt was settled, and I paid the amount that we agreed to settle the debt. Updating the account to 120 days late is inaccurate and frivolous. They are attempting to misrepresent the status of the debt. This is a direct violation of the FCRA. This update also caused m y credit score to decrease I directly disputed the account with Cashcall (  see letter dated  XXXX   XXXX ,  XXXX  ). I requested them to provide me with a copy of my application that I submitted for the loan that includes the original amount I requested to borrow as well as detailed account history that includes all payments and fees that were applied to the account. I also requested a copy of the settlement offer that was sent to me and agreed upon for final payment.      Cashcall responded ( s ee attached letter dated  XXXX   XXXX ,  XXXX  ).  Cashcall claims the debt was valid and it is being reported properly to the credit reporting agencies. They also included an unsigned promisory note and payment information. They did not include a copy of my loan application, as I requested. I believe this is an attempt to hide the fact that the amount that I applied for was not the amount I recieved, and resulted in them being able to charge me an unregulated interest rate. This is one of the violations that Cashcall was found guilty of in court. It appears as if  their scandalous business practices are continuing even after being brought before the courts to cease such actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX have sent XXXX  and Equifax my ID social security number to verify my information. i have sent them valid police reports from me walking in to the police departmant i have file a FTC report with more then 20 Inquiries that the perpetrator did as i am a victim of identity theft. Please see my attached documents. XXXX  can not say that it was a company that filed this complaint. please submit my request. There has not been nothing independently verified but automated emails that say the same thing,
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an erroneous account ( XXXX XXXX XXXX  ) on my Equifax Credit Report on XX/XX/2021. Equifax received my dispute, and to date ( XX/XX/2021 ) Equifax has not responded to my request for this incorrect account to be deleted. From my understanding, by law, Credit Reporting Agencies have 30 days from the date received to investigate and respond the consumer, and if they can not do so the incorrect account MUST be removed.
Product: Credit card or prepaid card

My local Chase branch closed due to COVID-19 and I have been unable to make deposits of cash or special checks ( like US Treasury checks ). We have therefore had cash flow issues. 

On my credit card ( ending in XXXX ), I paid only the minimum payment even though I am usually a " pay in full '' customer. I was only able to make the full payment of the balance on XXXX XX/XX/2020. 

I requested a reversal of the {$500.00} of interest charged in XX/XX/2020, and {$510.00} of interest charged in XX/XX/2020. I explained to Chase that not only was their branch closed, but that I was unable to use their website due to a persistent error that made it impossible for me to add a " pay from '' account. 

I do not think this is a fair situation. I have tried to call Chase multiple times and have had difficulty reaching someone due to extraordinarily long hold times. Furthermore, other branch representatives have told me multiple times to " not worry about it '' and that fees and interest can always be taken care of later. Chase also says in public that they are assisting customers who need assistance due to difficulties with COVID-19, but I am not satisfied with their response. I have been a very good Chase customer and have always paid my bills on time. The only reason I was not able to make my full payments on time during in the past couple months was due to Chase 's decision to close their branch, make it impossible to reach someone by phone, and not have a working website.
Product: Payday loan, title loan, or personal loan

Took loan for {$950.00} XX/XX/2020 from Better Day Loans. As of XX/XX/2020 we have repaid {$850.00}. Payed off loan on XX/XX/2020 and was charged {$1200.00}. Which is {$380.00} over the initial principle amount of {$950.00}.