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

I accepted a balance transfer offer from this Fifth Third Bank credit card on XXXX XXXX XXXX Terms of the balance transfer were for a 5 % balance transfer fee, which amounted to {$950.00} on a {$19000.00} balance transfer. The offer was for 0 % interest on the balance transfer through XXXX XXXX XXXX 

My second bill showed a {$15.00} interest charge on the fee portion of the balance transfer, which was deemed a " purchase. '' But this was not a purchase, it was a fee charged by the bank for the balance transfer. When I complained, the fee was waived. My third bill came back with a {$14.00} interest charge, at which point, a representative said the interest charge could not be waived. After escalating, that fee too was waived, but it's clear that Fifth Third intends to keep charging interest on the remaining fee portion for as long as it takes to pay off the balance transfer. 

The balance transfer fee is not a purchase, and should not be subject to the card 's purchase interest rate. No other credit card provider that offers balance transfers attempts this fraudulent practice. As it appears Fifth Third is steadfast in trying to charge interest on the balance transfer fee, I am filing this complaint.
Product: Debt collection

I could n't keep up paying XXXX credit card so stop paying I do n't work may hour on my job cause they were slow at the time but now I would like to pay all my debt
Product: Credit reporting or other personal consumer reports

I am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of inaccurate information that is reporting incomplete information. Incomplete information is inaccurate and thereby not supposed to be on my report.
Product: Checking or savings account

I am filling a complaint with CFPB regarding capital one failure to deposit my direct deposit from SSI and any other deposits. Capital one has cited technical issues which may violate the EFTA as it requires timely access to funds. This situation rises concerns about consumer protection laws and I would like to request your assistance in a investigation to make sure my rights are upheld. Thank you
Product: Checking or savings account

I write to you today most distressed and broken knowing Ive written to you already pertaining this case with AMEX XXXX XXXX XXXX account. 

COMPLAINT ID XXXX Submitted : XX/XX/2022 As of today, XX/XX/2022 I am yet to receive my funds due from the closing of my account. Ive called multiple times and still no one has provided me with a resolve to me getting my total funds of {$940.00}. 

On XX/XX/2022, I was lied to and given a fake item number by a female associate on the AMEX team. This item # is as followed : XXXX. I was misinformed by this associate claiming my funds had been sent out through the USPS. She further told me to expect my check on XX/XX/2022. Which was yet again another disappointed & stressful situation seeing that once again there is no check in the mail. 

On XX/XX/2022, given the reality of the absent check I called AMEX looking for some relief only to find out no check was issued. And, the indemnity form sent back to them was still in process, sigh. Its been over 2 months since waiting on my refund. I am very stressed and have been left to borrow money from my sister to cover my expenses. I am a mother of XXXX children all under XXXX XXXX XXXX. I simply want my funds back. 

Another issue Ive with AMEX is how poorly Ive been treated as a customer, their inability to deliver prompt & proper care and the lack/absence of a supervisor/manager to hold anyone accountable. Managers are always absent. And, even when when promised a call back, no one follows up with your concerns being clarified. 

Another important point to note is the unending wait period to speak with someone in the back office/ banking operations team. This is every single time that Ive had to call. Also, every other documentation sent to me by the bank has been received in my mailbox, all except the supposed checks that were sent out. 

In closing, prior to completing this form I was once again informed my account details are still in processing. How much longer must I wait? 

Please help! 

Signed, Distressed consumer
Product: Payday loan, title loan, or personal loan

Leased a new bed and a scratch n dent stove from XXXX " Lease to own/My Not Lease It '' I have paid well over twice the purchase price of the items.

They don't tell you that after 3 months that they automatically take your purchases out of lease to own and basically you start rented the items. No one tells you about this. So, you believe that one day that the payments will end and you will own the items. That's what they told me in the store! That this is a lease to own. Make the payments and at the end of a period of time you own the merchandise.

This is total FRAUD!
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

In accordance with the fair credit act XXXX Account number : ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX  ) and Account ( XXXX XXXX XXXX  ). All of these accounts have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2. Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

See attached package including a True Bill, received by company as verified by XXXX XXXX of Mailing Form 3817 with a postmark date of XX/XX/2021. 

XXXX received the instrument and responded ( see last page of packet attached ) by saying they were ceasing and desisting all collections and have returned the account to their client.HOWEVERThey, along with their client, USAA have kept the instrumentwhich facilitates discharge according to UCC 3-603 Tender of Payment. They did not send back anything other than the correspondence attached. 

Not only have they and USAA violated numerous 15 USC laws such as : 15 USC 1692c ( a ) Communications without prior consent. {$1000.00} 15 USC 1692c ( b ) Communications without prior consent with third parties {$1000.00} 15 USC 1692c ( b ) Communications without prior consent with third parties {$24000.00} 15 USC 1692b violation stating consumer owes debt {$1000.00} 15 USC 1681b Furnish consumer report circumstances and no other {$1000.00} 15 USC 1681s Responsibility of furnished of information {$1000.00} 15 USC 1692e debt collector {$1000.00} 15 USC 1681i treatment of inaccurate / unverifiable information {$1000.00} They have sent these documents through the United States Postal Service [ 18 USC 1341, 1342 As of the date of this complaint, neither XXXX, nor USAA has returned the instrument tendered on XX/XX/2021 as verified by the XXXX postmarked Certificate of Mailing.
Product: Credit reporting or other personal consumer reports

I didn't furnished any of these accounts or any inquiries to be on my credit report I didn't establish any new credit with any of these companies that are pull my credit profile without my permission.
Product: Credit reporting or other personal consumer reports

I had previously set up a user name and password with experian.com. We set that up so that I could freeze my account after being notified of a breech. 
Today, we wanted to unfreeze my account so a mortgage lender could get a report. I used my same user name and password ( I keep this on an XXXX spreadsheet ) but it said that it was the wrong password or user name. I chose the option to reset password. To do this, I needed to put in my birthday and social security number. I absolutely know those XXXX pieces of information but it said " wrong information. '' I tried several times and then tried to " reset another way '' at which time it asked me who my favorite teacher was. I never had a favorite teacher so I would not have chosen that question. 
I tried to call experican to get help getting into my account. There are no representatives regardless of which option is chosen. I tried several numbers listed on the internet with no luck- all go to the same recording.. 
I need to get a call from technical support from experian to be able to log into my account. Can you help with this? 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent TransUnion an Identity Theft affidavit notarized concerning a few inquiries on my TransUnion consumer report that were authorized by me. TransUnion has yet to remove the inquiries from my report which is a violation under the FCRA section 605B
Product: Credit reporting, credit repair services, or other personal consumer reports

I have experienced ongoing issues with removing unknown accounts on my credit report. I have sent in multiple dispute letters and have yet to receive anything. I sent off an original dispute letter asking for them to send over certain documents that requested them to send my original contract with my signature attached. I never heard anything back. I then sent off a 30 Day Demand of Comply letter after waiting 45 days. To this day, I still have not received anything. Under FCRA, failure to validate the debt in 30 days demands an automatic deletion. Furthermore, the original signed contract has still yet to be sent to me. I demand deletion!!!! 
ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My Jet Blue Visa credit card was sold to Master Card obviously without my consent. When my credit card account went to Mastercard, they charged me an annual fee. I did not agree to pay this fee nor did I sign an agreement with Mastercard agreeing to pay my annual fee. I 've asked them to shut down my account and waive the fee because I did not agree to the fee. I 've called and spoken to XXXX ( manager ) employee # XXXX and XXXX ( in a call center ) employee # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX  ( Original Creditor XXXX  ) XXXX and XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. Also, please remove these inquiries : XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX - XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Checking or savings account

I tried to log in to my account on XXXX to get my XXXX. As I recently changed my phone number and Ally 's secondary verification is linked to my old phone number, I couldn't log in. Per their website, I called customer service. The customer service rep took my on-line ID, passcode, SSN, birthdate, security question answers, and new phone number. She stated that a special representative would need to contact me in 1-2 days to resolve the issue. Not having received a response, I called again on XX/XX/XXXX. Went through all the same information again and received the same response. Again not having received a response, I called again on XX/XX/XXXX. Went through the same process but this time I was routed to a supervisor and was told my account was locked until until another representative would contact me. So now, not only can't I get my 1099, I have no access to my funds of {$75000.00}.
Product: Credit reporting or other personal consumer reports

I did not give my permission to report this on credit report. 

I have reviewed my consumer report and there is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I'm requesting that the reporting of this information be blocked and deleted. All required fields of my FTC are complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX  XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!
Product: Credit reporting or other personal consumer reports

These inquiries were not authorized by me and I strongly believe they are fraudulent. I urge you to conduct a thorough investigation and promptly eliminate them from my credit report.
Product: Credit reporting or other personal consumer reports

I sent letters to XXXX, Equifax and XXXX requesting that my Personal information be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its worth XXXX XXXX XXXX I called them they said they dont have an account with my name I keep disputing it but you guys keep leaving it on there its called XXXX XXXX XXXX my name is XXXX XXXX XXXX second please take it off
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus have been very negligent and taken longer than 30 days to investigate my original dispute was XX/XX/2020. The information On my credit reports is causing irreparable damage and none of the information has been officially verified. There are unverified names and accounts on my credit reports. I cant get approved for anything, not a car or even an apartment to live in.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Equifax. 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. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the account 's information ASAP : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Statement : Pursuant to 18 usc 8 I do not owe debt to the companies listed nor did I reach out for credit with any of these companies either. These companies are violating my right to privacy pursuant to 15 usc 1681b. I did not give any of these companies permission to run my credit nor report any information on my credit report pursuant to 15usc 1681-4. 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: Mortgage

In XXXX, we relocated to the United States and entered into a home purchase contract with the Pulte Group on XX/XX/XXXX. Subsequently, we initiated a mortgage loan application with Pulte Mortgage for the specified property. It was communicated from the outset that two W2s were necessary for loan approval, a standard requirement among mortgage companies. At the contract signing, the sales agent XXXX, Pulte Mortgage loan consultant XXXX, construction manager XXXX, and I agreed that the closing would not take place before XX/XX/XXXXXXXX XXXX given the availability of my second W2 after XX/XX/XXXXXXXX XXXX 
Until XX/XX/XXXX, there were no deviations from the plan, and all parties, including XXXX. XXXX and Mortgage loan Consultant, were aligned with the timeline. The limitation posed by the W2s was consistently emphasized, and this information was reiterated to XXXX and XXXX on numerous occasions. 
On XX/XX/XXXX, I received official notification from Pulte Group, stating that the closing was scheduled for XX/XX/XXXX. Expressing opposition to this date due to the absence of communication from the loan consultant, I initiated contact with the loan Consultant. Simultaneously, I informed the home building operations team about my inability to conduct financial due diligence regarding loan options. 
Crucial to the home closure is the mortgage with the Pulte Mortgage team. While I had an initial conversation with the loan consultant in XX/XX/XXXXXXXX addressing the overall process, there was no further communication until XX/XX/XXXX XXXX XXXX Despite assurances during the initial conversation, I did not receive the expected contact from the loan consultant approximately 45 days before the closing date as was promised to me initially. 
In response to our opposition, the vice president of operations for Pulte Homes in Tennessee sent threatening emails, insisting on closing the house by XX/XX/XXXX, and imposing penalties if not done by then. We communicated our lack of communication from the loan Consultant and our intention to exercise our right to explore fair mortgage deals by shopping for the best product, down payment, and interest rate. 
Following a follow-up call with the loan Consultant on XX/XX/XXXX XXXX XXXX to discuss loan options, he persistently recommended specific products, down payments, and interest rates, refusing to provide alternative options and wanting us to close on the home on XX/XX/XXXX with his recommended product. When questioned about the lack of contact 45 days before the closing date, he failed to provide a satisfactory response, emphasizing the builder 's desire to close by XX/XX/XXXX and refusing to discuss alternate options.
Product: Debt collection

In XX/XX/year>, I recieved a notification that Hunter Warfield, a collection agency, reported on my credit reports a balance for a rental apartment that I don't live at and I don't owe. The information was not verified, nor was I communicated with on the amount allegedly owed. This company is not a creditor and they have charged me interest for the amount owed on my credit report from {$16000.00} to {$16000.00} from XX/XX/year> to XXXX to XXXX. They are in direct violation of the FCRA laws 15 USC 1692e 807 False or misleading representations, ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or, and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt ; 15 USC 1692f 808. Unfair practices ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law ; and 15 U.S.C. 1692-1692p, in which third-party debt collectors are prohibited from using deceptive or abusive conduct in the collection of consumer debts incurred for personal, family, or household purposes. Not only have are they falsified a balance, they are a third-party agency, that is charging me interest for a debt they have not verified through me. After researching this company, they have no ties to my former rental management who owned the building and used an in-house management. They are illegally reporting like a creditor and they are not a lender.
Product: Checking or savings account

On XX/XX/XXXX, I initiated a bill payment for {$2900.00} through my Ally bank checking account. I realized the recipient was incorrect and requested a stop payment on the check, which had not yet been cashed, on XX/XX/XXXX. Due to what they deemed a bank error, the stop payment was never applied and the check was later cashed on XX/XX/XXXX. 

I reached out to Ally on two occasions via phone and once via email. They took ownership of the bank error and notified me they would do everything in their power to rectify the situation. It is now XX/XX/XXXX and they have told me to contact the recipient myself to recover the funds. 

This is unacceptable. The bank has admitted fault and taken little to no effort to correct the situation.