23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

RE : Case number : XXXX Regarding the above referenced case number, Chase responded with a letter dated XXXX XXXX, XXXX advising that they would not be refunding the {$150.00} balance transfer fee. In the letter, they advised that they had reviewed my calls to Chase from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. They state that there was no mention of interest charges during the call on XXXX. The fact is that I made calls to Chase on XXXX @ XXXX, XXXX @ XXXX XXXX and XXXX @ XXXX XXXX. Is n't it funny that they said they reviewed the call on XXXX, but there was no call on that date? Also, during the call on XXXX, the actual balance transfer was initiated, but not before I confirmed the terms of the offer again ( thus the reason for my argument ). After the balance transfer was completed and I received the letter dated XXXX, I immediately made my third call on XXXX as I said that the letter has different terms than the original offer letter and the subsequent calls I made to Chase to receive clarity of the terms of this offer. In summary, my argument remains as this - I agreed to pay the {$150.00} transfer fee under the assumption that the money would be interest-free through XXXX, as stated in the offer AND there would be no additional interest charges on my new purchases during that offer period, so long as I continued to pay off all new purchase charges each month during the grace period. As evidence of my calls to Chase, I have provided my phone records for these initial 3 phone calls. In the call on XXXX, I clearly stated that the letter I received offers contradictory information than that which was described in the original offer letter and then verbally, in the 2 phone calls made to Chase on XXXX and on XXXX, when the offer was accepted. The reasoning for asking for the {$150.00} refund is that I would NOT have taken advantage of the offer if I had known that interest would accrue on my purchases AND after taking advantage of the offer, I would have immediately retracted if I was properly advised that the interest was going to be charged. After contesting the issue for a few months, I immediately repaid the money to avoid additional finance charges. The fact remains the same, however, that I paid {$150.00} to have the {$7500.00} interest-free through XXXX and had to repay that amount prematurely. So again, I reiterate that I see this as a hook, line and sinker ... .A deceptive offer was made and I took it.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$810.00} XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX  XXXX Balance Owed : {$270.00} CXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the repeated and unsuccessful attempts to correct late open account on my credit report. Despite my persistent efforts and the passage of time, these inaccuracies remain unresolved and continue to negatively impact my creditworthiness. I first initiated disputes regarding these late open account. Since then, I have consistently reported these inaccuracies to your agency and provided the necessary documentation to support my claims, such as proof of timely payments. Despite multiple disputes and my repeated efforts, these late open account have not been corrected. The continued presence of these inaccuracies on my credit report has had detrimental effects on my credit score, financial stability, and overall well-being. I am unable to secure loans, obtain favorable interest rates, or access various financial opportunities due to this error. Please help me correct this account : XXXX  XXXX XXXX Balance Owed : {$410.00}.
Product: Debt collection

Earlier this month, I received notification from my credit monitoring service that my credit report had changed. Knowing that I had n't filed for any new credit, I was immediately concerned about this. I checked my notifications only to see a account late notice on my report for a debt. I have no idea what this late notice corresponds to and I am not behind in my bills. I have not received an notification from the company regarding this alleged debt that I owe. My scores have dropped over XXXXpts, to XXXX, due to this alleged debt. This is utterly unacceptable!
Product: Mortgage

I recently saw an article about the Consumer Financial Protection Bureau in XXXX. It brought to mind something that has been bothering me a very long time. I 'm guessing there might be some statute of limitations issues or something, but I thought I would pass it on just in case there might be something I could still do about it. 

Several years ago I got a XXXX envelope from Washington Mutual Bank, the lending institution that held my primary mortgage at the time. According to the letter inside, the bank wanted to reward me for being a loyal customer by lowering my interest rate by a quarter percent. I called the number that was referenced and asked what the catch was. I was told there is no catch and there would be no cost or appraisal involved. They said they would send someone over to our house to sign the paperwork and that 's all there was to it. I asked why they were doing this and they simply said that they appreciate their good customers that paid on time and they wanted to offer this in return. 

What the bank DID N'T mention was that the government had just initiated the HARP program. It was new and had not yet been widely advertised so I was n't aware of it. I only found out after I had renegotiated my loan that 1 ) I could have likely gotten a MUCH better interest rate, and 2 ) after obtaining this " gift '' of a new loan, I no longer qualified for HARP. 

Again, I know a lot of time has passed, but I have never stopped being angry at this underhanded, deceptive scheme by Washington Mutual to trick me into this. If there 's anything that can be done at this point, I would be very happy to cooperate in any way necessary.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I successfully instant transferred XXXX from my Venmo balance to a debit card ending in XXXX. It is a virtual debit card issued by XXXXXXXX XXXX and XXXX. This payment never posted to my XXXX account. I contacted Venmo and opened a dispute ; they told me to contact XXXXXXXX XXXX and they also provided tracing details for the transfer. I contacted XXXXXXXX XXXX and XXXX more than 30 times and no one can see the transfer. It has taken hours each day to try and resolve this according to Venmo 's instructions and information -- -as they are unwilling to do the work of resolving an issue that they created, if indeed the money can't be transferred to XXXX -- and I have suffered stress and time lost because of it. 

Then, on XX/XX/XXXX, I again conducted an instant transfer of XXXX via Venmo. The card ending in XXXX was still on my account and the money went there YET AGAIN. I contacted Venmo within ten minutes of the transfer, having realizing that this was going to be yet another serious issue in which I might lose time, money, etc. Venmo said that they couldn't do anything, as it was successfully completed. I again opened a dispute and asked for tracing details ; I again chatted with numerous customer service agents ; I again contacted XXXX XXXX and XXXX and have extensive correspondence with all of these companies. I have been told that 1 ) Venmo is lying 2 ) money isn't there 3 ) Venmo should call them. I've related all of this information to Venmo and they keep insisting on on the tracing information. 

I want my money back. I want this resolved. it's fair to request that I received compensation, too, for all of the time, money, and hassle. This business assured me that the money would be transferred, that it was available on the bank 's end, and that the solutions they provided, such as contacting relevant parties, would fix this. It hasn't. This is immoral and unacceptable.
Product: Credit reporting

I submitted a dispute to all three credit reporting agencies. I just received a response from trans Union stating that the collections placed on my credit report by XXXX XXXX XXXX was verified. I had previously paid the original bill issued by XXXX XXXX and submitted copies of payment from the XXXX XXXX website confirming payment as well as all copies of bills. It greatly disturbs me that this investigation by Trans Union states the information was verified when I have paid what was owed and submitted documentation. The first time when I even heard of this collection agency was seeing it on my credit report. I do not feel it is fair for me to have to pay again for a bill I have already paid. I greatly question the dispute investigation validity. I am seeking help with this matter because I have worked very hard to maintain good credit and to have this invalid information on my credit report greatly disappoints me.
Product: Vehicle loan or lease

I purchased and vehicle on XX/XX/16 for XXXX @ interest rate of XXXX - my monthly payments are XXXX Recently went on my account to determine my pay-off balance as well as the contractual terms.In doing so, I could not find my PRINCIPAL balance. I ask the loan personnel for a copy of my PRINCIPAL ONLY balance but was not given it.
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. Account name : XXXX XXXX XXXX # XXXX, Account name : Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX , Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # 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 an 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: Money transfer, virtual currency, or money service

Im writing to get some legal help and progress on an issue with Bank of America, who are either a ) holding my money and not returning it to my account for no given reason, or b ) hiding the fact they have mishandled my money and have lost it. 

A summary : I sent an international wire on XXXX XXXX to the value of XXXX USD ( sent as XXXX AUD ) On XXXX XXXX I made my first call to the bank ( XXXX ) to cancel as I was made aware the account I sent to in XXXX had been recently closed. On that call I was told the cancel request was initiated and return request sent to the bank in XXXX. 

On XX/XX/XXXX I called again - I was informed that the return had been initiated by the other bank, and was promised it should be in my account in 2-3 business days. 

On XX/XX/XXXX it had been noted that the funds were back in in Bank of America system, but not in my account yet as they had to be converted. 

On XX/XX/XXXX I called again, was reassured they had my money in the system now but was told that the funds should be cleared and converted by 2-3 business days from XXXX ( Wednesday XXXX at the latest ). 

Given I saw no changes to my balance by XX/XX/XXXX I called again - this time I was told conversion has been delayed for unspecified " technical issues '', should be 2-3 business days from XX/XX/XXXX. 

On XX/XX/XXXX I called again - no change or new information was provided beyond " they're having trouble processing the conversion ''. I requested written confirmation of presence of funds XXXX to prove this isnt a theft that I need to report to authorities XXXX. This person promised to escalate to direct manager who will call me to discuss. 

Since I received no call 4 days later, on XX/XX/XXXX I called again, and was again informed that there was a technical issue that was delaying the conversion of funds. When I asked for written evidence, confirmation or otherwise of this issue I again received a response saying they will not give me anything like that. 

They have confirmed verbally they have my money - I don't care what their issues are internally, they have the money and it should be in my account AFTER ALMOST TWO WEEKS!
Product: Checking or savings account

There have been issues where a check is written, the funds are paid, and it is posted. The next day the funds will be credited back to my account and BOA will reverse it. I don't understand why BOA does this, because every two weeks religiously part of my paycheck for over {$1200.00} is deposited into my Bank of America account. For example, if I write a check for {$15.00} and there are {$14.00} cents in my account, BOA will return the check. This is so embarrassing for me as a customer who has banked with BOA for over 15 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a consumer transaction with XXXX XXXX XXXX XX/XX/2022. Based on the condition of my credit I was pre approved for {$2000.00} credit limit ( see attached ). I then accepted the application because it would cover what I needed to purchase for my personal and or household goods. After I accepted the offer, I was told that correspondence will be sent to me in the mail. I received a letter dated XXXX XXXX stating that in order to complete my request, we require additional information to verify your identity. So I called the XXXX number provided in the letter ( XXXX ) XXXX and provided the info asked of me. At that time, another pull to my credit report was conducted to which the agent on the phone did not disclose to me that they would pull my credit. I was not informed that my credit limit would be subjected to the condition of my credit report arising from the credit pull on XX/XX/2022. This has caused me serious harm as defined in 18 USC 1589 ( c ) ( 2 ).

Pursuant 1581b ( a ) ( 2 ), my written consent is needed to furnish a consumer report about me. I did not give XXXX XXXX  and XXXX permission to pull my credit on XX/XX/2022 and they did not have the lawful authority to report to a non affiliated third party my nonpublic personal information. On XX/XX/2022 the credit card account was opened and reported to to the credit reporting agencies without my written consent. No consent due to non disclosure is not lawful authority. No consent is aggravated identity theft. It is my right to a fair and equitable credit report. Pursuant 15 usc 1681 ( b ), Im aware that under the Gramm-Leach-Bliley Financial Protection Act ( 15 USC 6802 ) my nonpublic personal information should not have been disclosed to any non affiliated third party ( Credit Reporting Agency ) without my lawful consent. 

Furthermore, the agent told me that I was only approved for a credit limited for {$630.00}. I then told the agent and her manager that, that I have already accepted the credit limit of {$2000.00} on the date that I extended my credit on the initial consumer credit transaction in XXXX, XXXX. They then told me that there is no application in the system for that limit. This is a breach of their fiduciary duty. 

See attachments showing proof that : 1. I entered into the transaction in XXXX. 
2. The XX/XX/2022 letter states in order to complete your request proof that an application was accepted in XXXX. 
3. The original credit limit I was approved for which is {$2000.00}.

4. Credit report showing the date open which is incorrect, fraud, and proof that they ran my report again on XX/XX/2022.
Product: Credit reporting

Experian is reporting inaccurate and incomplete information on XXXX account.Experian has a disregard for the FCRA and the enforcement of the CFPB.Experian refuses to correct or investigate, they try to blame the creditor for Experian 's own violation of FCRA. 
Experian account, XXXX bank # XXXX ... is reporting incorrectly, incomplete and inaccurate .... 
specifically INCOMPLETE AND INACCURATE : no reported date of first delinquency, no reported date closed, balance history should show {$12.00} is the amount of last payment not XXXX, monthly payment was {$12.00} not XXXX as reported.payment history table does not show XXXX day lates or the 180 day charge-off date computed from the date of XXXX delinquency. 
the XXXX balance is @ XXXX dollars more than is legally permissible by the fully-implemented 2009 CREDIT CARD ACT In addition, the careless, INCOMPLETE reporting by Experian serves to '' RE-AGE '' the account, in a new creative way. 
( another specific FCRA violation by Experian. ) IN EXPLANATION : in not reporting the date of first delinquency, the date closed and having an incomplete payment table, the XXXX SCORING CAN NOT BE DONE CORRECTLY ( ATTACHED XXXX REPORT showing my only neg.acct., XXXX is calculated as 2.1 years late not 4.8 years late from the dofd. ) the XXXX report is from Credit Check Total, an Experian product.
Product: Credit reporting

On XXXX XXXX of 2015 I requested my Experian credit file frozen. 
I was told I would get a PIN # in the mail, but it never came. 
I am looking to refinance a mortgage now, but without the PIN I can not go online to temporarily unfreeze my records. 
I have tried repeatedly to call Experian, but I can not speak to a real person for help. Please contact me by phone/text, email or mail.
Product: Credit card or prepaid card

I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and CAPITALONE with no successful resolution. XXXX, XXXX  and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX
Product: Credit reporting

Transunion has refused to send verification of debt, that is n't mine, and they have n't responded to any of my disputes. I have already filed a lawsuit. They have gone against the law by refusing to delete items off of the report that do not belong to me. They had addresses that I had to call and ask them to remove that did n't belong to me. They have literally refused to remove the items off of my report that do not belong to me. I am tired of disputing and have been since XXXX of 2016. I am done trying. I have officially filed suit. The only way that I will withdraw it, is if they remove the items specified in the intent to sue letter. They also refused to remove inquiries off of my report that was removed in the breach earlier this year that they put back on there. Lastly, the only name that should be listed on the report is XXXX XXXX XXXX. That is it.
Product: Debt collection

In XXXX someone stole my credentials and used it to make a purchase. There was no proof it was mines and it became identity theft and it was charged off. Now a debt buyer is trying to collect {$2000.00} on a {$1500.00} lease according to the email letter that I received from the debt collector. The email didnt have the creditors letterhead but an email from another source. It also said purchased in XX/XX/XXXX, thats seven years ago, but the debt collector said I purchased in XX/XX/XXXX which states on my credit report. Not only the statute of limitations has ran out the debt collector lied and said I purchase it in XXXX without a contract stating I promised to pay that amount in XX/XX/XXXX. Its now XX/XX/XXXX, This is a fraudulent statement from the debt buyer and the credit bureau accepted it without proof of purchase.
Product: Money transfer, virtual currency, or money service

Sent a small transfer through Revolut on XX/XX/XXXX. Agreed to a XXXX THB fee. Got charge XXXX thb in fees. Only received XXXX thb. so XXXX of a XXXX thb transfer was fees. That is 90 % fees. Revolut did not disclose this or put in safe guards against this. They blame intemediary banks, but they are the ones that chose them. My receiving bank has no fees for incoming transfers. 

Contacted Revolut on XX/XX/XXXX and they refuse to fix. Talked to both XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, XXXX Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( XXXX XXXX, XXXX XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXX ) the financial institution and the Consumer reporting agencies XXXX Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.