23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

A {$7500.00} balance transfer that I had requested was posted on XX/XX/XXXX. For this transaction I was charged a 5 % fee with a promised promotional 0 % APR for 12 months. The balance transfer went through with no issues and I continued to use the credit card for new purchases regularly in the months following thinking that I would be able to pay off the new purchases each statement as normal while applying any excess to the promotional balance transfer balance. It is also relevant to include that at that time I had four active " plans '' as part of the " MY CHASE PLAN '' program that were posted on my XXXX statement totaling {$3100.00}. 

Now it is XX/XX/XXXX and I am finding on my last two posted statements that Chase is applying any payments that I make in excess of the minimum payment to the 0 % APR promotional balance transfer balance of {$7500.00} first, and charging me interest at 27.49 % APR for any new purchases that I make. I believe that this is a violation of the Credit Card Act of 2009 which requires credit card companies to apply payments in excess of the minimum payment amount to higher interest balances first. 

I contacted Chase with these concerns on XX/XX/XXXX by phone. They stated that the reason they are applying the payments so is because my credit card terms stipulate that I may only have one active promotion at a time, and the four " MY CHASE PLAN '' offers that I had summarized before were already active and therefore negate the balance transfer that had already posted to my account with the 5 % fee applied. I am also confused as none of this was disclosed to me clearly in terms that I could understand and the balance transfer that I had requested had clearly been accepted and posted to my account with fees charged accordingly. Additionally, I had four " plans '' active at the time which seems to contradict what Chase was saying about the card terms only allowing one promotion at a time.

Clearly I would have never initiated the balance transfer had it been disclosed to me honestly how future payments would be applied. Now, not only am I out the 5 % fee they charged me for the balance transfer, but I am continuing to pay the extremely high standard APR on balances that I didn't plan to carry as I had expected my payments to apply to the higher interest balance first.
Product: Credit card

I've always ensured timely payments on this account, never letting them become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. Based on 15 USC 1666b - Billing Error should be corrected.
Product: Credit reporting or other personal consumer reports

I was alerted by a reputable credit lender of a change to my credit report on XXXX, XXXX. Upon checking I was shown a new lender was opened in my name that was not authorized. I then used XXXX to see what steps were needing in reporting identiy theft. I was directed to filing with the FTC and following their guidlines of reporting a credit freeze and fraud alert to each credit bureau, disputing the account in question, contacting the police to make a report, contacting my personal bank to have them on alert and contacting the fraudulent account that was opened in my name and asking them to close the account down. 

The company was NOT helpful in anyway, they have multiple numbers one which is listed for creditors that goes to a solicitation. They were accusatory and stated many times, even though this account was opened in my name with my information, no information would be given because " I '' was not the person who opened the account. I was given many phone numbers to call and finally was told the account was closed but they would not give me any information about what address, phone numbers, or usage were attached to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting a collection on my account that should no longer be there. This collection is past the statute in Utah and I no longer owe the debt.
Product: Debt collection

In XX/XX/XXXX I received a letter in the mail from XXXX XXXX stating I owed a debt for XXXX. When I called they said I could resolve it at a discount for {$230.00}. I paid that debt as they had alll my XXXX information and said they were XXXX. They even were able to show my charges on my XXXX account. So I believed them. Come to find out, my account was never resolved. I only owed XXXX {$12.00} which they say has never been paid. I was scammed from a debt collection company and they falsely represented themselves while also having all my personal information.
Product: Credit card

I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX ( Original Creditor : XXXX JXXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft  and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Product: Credit reporting, credit repair services, 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 items ( A ). It is not permitted to report these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On my Bank of America credit card ending XXXX there is a transaction from XXXX XXXX on XX/XX/2024 for {$210.00}. Following details copied and pasted from BofA XXXX : XXXX XXXX XXXX OH Transaction date : XX/XX/2024 Card type : XXXX Transaction type : Purchases Merchant description : DEPARTMENT STORES Merchant information : XXXX, OH Reference number : XXXX Merchant Name : get more information about merchant name change XXXX Select to Edit the merchant name Transaction Category : get more information about transaction category Shopping & Entertainment : XXXX Select to Edit the transaction category Online Purchase : Y I have returned this purchase and have been unable to get a refund from XXXX XXXX  They've acknowledged that it has been returned ( email confirmation attached to this complaint ), but yet have not issued a refund. I have tried to initiate dispute on Bank of America portal, but it gives a message that I should call in. When I call in, they tell me that I can submit a dispute online. Please issue a credit for {$210.00}.
Product: Credit card

Please be advised that you need to cease with telling me I'm late ... by email ..letters to my address or phone. Or any means... so also stop with your auto reminders that I'm late ... I'm obviously aware I retained an attorney ... you can reach him at XXXX XXXX XXXX Address -- XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Product: Credit reporting or other personal consumer reports

please update/validate these item that i request to from the past months and still reporting on wrong on my report, i already comply all the needed detail.
Product: Credit reporting or other personal consumer reports

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the XXXX documents to substantiate my assertion.
Product: Credit reporting or other personal consumer reports

I have no knowledge of the following inquires and accounts 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 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. THIS IS IDENITY THEFT!!! PER 15 USC 1681Q YOU MUST HAVE WRITTEN INSTRUSCTION TO REPORT THIS ACCOUNT LIST BELOW. IM DEMANDING YOU PROVIDE ME MY WRITTEN SIGNATURE WHERE I GAVE YOU PERMISSION TO REPORT TO MY CONSUMER REPORT TO SHARE MY PERSONAL INFORMATION. YOU RECIEVED MY INFORAMTION FROM A SECONDARY REPORTING AGENCY.
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 Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, NAVY FCU XXXX. 

I looked at my XXXX, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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: Payday loan, title loan, or personal loan

Attention : California CFPB I am a California XXXX. On XX/XX/2022 I received a loan in the amount of {$400.00} with an interest rate of 678.14 % ( XXXX ) from Black Hills Credit DBA Cascade Springs Credit. This company is predatory, and I believe this interest rate is illegal in California. 

This company claims to be a tribal lender that is not governed by the laws of California. 
Can you let me know if this interest rate is legal? If not, what are my options for dissolving this loan? 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2600.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX
Product: Debt collection

Portfolio is reporting an account to my credit profile that I was told that was opened under a business name that I do not have ties to and have never had ties with. See attachment for more details.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporter act XXXX  account XXXX XXXXXXXX HAS VIOLATED MY RIGHTS 15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1861 SECTION 604 A SECTION 2 I ALSO STSTE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Debt collection

I've called Pro Collect to get information regarding the debt owed. They are very rude, unprofessional. They refuse to send information regarding the validity of the debt. I told them the debt in question was fraudulent. Their response was you either pay it in full or we will flag the account as " refusal to pay. '' The representative then went on to say it was their company policy to respond in that fashion regarding old accounts. Then hung up the phone.
Product: Credit card or prepaid card

I did not authorize or apply for an unemployment benefit card and received one in the mail today on XX/XX/, I believe somebody tried to steal my identity and use it to open the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS XXXX, XXXX. HAS VIOLATED MY RIGHTS. 

-15 U.S.C. SECTION 602 A STATES I HAVE THE RIGHTS TO PRIVACY -15 U.S.C. SECTION 602 A SECTION 21 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023, I got a message from chime that my account is permanently suspended, that it will take 14 days to settle remaining funds in the account and that within 30 days, I will receive closure check. They ask me to confirm, mailing address, which I did but afterwards, they sent another message that I'm not eligible for refund, without any reason, it's over 30 days now and I can't access my money and I'm in debt
Product: Mortgage

I am in a process of divorce and was awarded the house but unfortunately, it was put on forbearance and now I'm facing foreclosure. I am not on the loan account but on the deed of the property. I started working with Wells Fargo back in XXXX of 2022 to do a loan modification or loan assumption and have been sending them every single piece of paperwork they required from me. Been in contact with them a couple of days a week and they made it sound like they are doing their job. Unfortunately, after months of sending paperwork after paperwork, on XX/XX/2022 they said they will not be able to help me and now I am facing foreclosure. 

During the time I was working with them, I applied to XXXX  Mortgage Assistance in XXXX and a representative from WF confirmed that at that time, the reinstatement amount was below $ XXXX but when XXXX  Mortgage Assistance asked WF to send the reinstatement amount, they sent {$79.00}, XXXX that automatically denied my application. I went to the office of TMA and called XXXX  regarding the amount and WF denied they submitted such an amount. I requested numerous times for WF to send me the itemized amount of what's owed and they never did. I have tried to do everything WF asked of me to save my house and now I am still facing foreclosure. I have found out that they have faced multiple lawsuits regarding their mortgage department and now I understand why. They put me in a loop every time I talk to them and nothing seems to get resolved. They make it sound like they're helping but every time I spoke with someone they have a different answer. I even asked for a higher-up and never got anywhere either.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a matter of utmost importance regarding my credit report. Upon reviewing my credit report, I have identified several unauthorized accounts that have negatively impacted my creditworthiness. I strongly believe that these accounts are the result of identity theft and require immediate attention and resolution. I want to clarify that I have not initiated or authorized these accounts in any way. These accounts have been fraudulently opened without my consent or knowledge. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing a report with the Federal Trade Commission ( FTC ). I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. I kindly request that you conduct a thorough investigation into the validity of these accounts and take the appropriate actions to remove them from my credit report as they are not the result of any legitimate transaction or credit application made by me. 

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 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

I have submitted several applications for a modifications and have not received any written correspondence as to the status of the application. I have had the  XXXX  sale date postponed on several occasions and on  XXXX / XXXX / 17 , the property was foreclosed on. This company , Fay Servicing h as send any explanation as to why the application was not reviewed. This property was deeded to me in divorce and I am not on the loan, but I submitted all financials and the divorce decree.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX XXXX : XXXX violated my rights. 

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

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court or competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX is maliciously and fraudulently reporting a XXXX day on all three credit bureaus. I opened a mortgage in XXXX with XXXX and paid in in full in XXXX of XXXX. The account has been closed for nearly 6 years. My XXXX  XXXX, and Equifax reports all show a XXXX  day late entry for XX/XX/XXXX. 

I have written several letters to XXXX and the Credit Bureaus disputing this XXXX day entry. Letter correspondence was sent in XX/XX/XXXX, again XXXX  days later XX/XX/XXXX regarding this inaccuracy and no response was received. 

on XX/XX/XXXX I opened a complain with XXXX XXXX directly which has not been assigned to any one in the mortgage division to investigate. They told me it would be 10 more days before someone would be assigned. 

XXXX XXXX is in violation of the following sections and subsections of the Fair Credit Reporting Act. 
PART XXXX CREDIT REPORTING ( REGULATION V ) Subpart EDuties of Furnishers of Information. XXXX Reasonable policies and procedures concerning the accuracy and integrity of furnished information. XXXX ( e ) Duty of furnisher after receiving a direct dispute notice. 
List of violations and reference to codes XXXX. Supplying information to a CRA that it knows XXXX or should know XXXX is inaccurate ( XXXX ) XXXX. Failure to conduct a reasonable investigation of a dispute ( XXXX ) XXXX. Failure to notify you when it supplies negative credit information to a CRA XXXX XXXX ) 4. Failure to notify you of your right to dispute inaccurate credit information ( XXXX ) XXXX. Failure to correct or delete any inaccurate, incomplete, or unverifiable information within 30 days XXXX or 45 days in some cases XXXX of receiving notice of your dispute ( XXXX ) These violations of the provisions of the FCRA, caused financial harm to me as it has caused denial of credit and higher interest rates. Attached is a copy of a summary report showing all three bureaus reporting the XXXX  days late in XXXX, and that the account was closed and paid in full in XXXX. There is also a note that shows the account was in dispute in the attachment and that the dispute was resolved by furnisher which further proves violation of Regulation XXXX XXXX XXXX and XXXX
Product: Credit reporting or other personal consumer reports

XXXX Paid debit debt collection company in XXXX XXXX XXXX has refused to take this off of my credit report, even saying they can not discuss my own account with me.
Product: Debt collection

I have diligently tried to ensure everything on my credit report was correct and paid. There are now 3 negatives that are simply false. I have NO IDEA who XXXX XXXX is. I have not received a bill from them and do NOT owe them {$330.00}. I have diligently tried to resolve this. I filed a dispute and still never received ANY documentation of this bill, nor what it is for. I explained this in great detail to XXXX, yet they said the negative has been verified. How can it be verified, if I dont even know what it is??? If just anyone can submit a collections account on your credit report, then what is the point in even attempting to make sure all your debts are paid? You can look at the 38 pages of my excellent payment history and KNOW that I would not knowingly leave a {$330.00} bill unpaid!!!! I can not pay what I do not know. 
And then there is XXXX XXXX. This dispute was over XXXX cents AFTER an account was closed. XXXX erroneously allowed the XXXX cents to be charged to a closed account, which by the time I found out, i had to pay {$160.00}!!!! I uploaded PROOF and XXXX still says they verified and it stands. If they VERIFIED, they would KNOW XXXX made a mistake. So for {$330.00} and for XXXX cents, my credit has been RUINED!