23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX. XXXX XXXX XXXX, Ga XXXX Subject : Falsity of Facts XXXX. 2014 Dear Equifax Dispute Dept : XXXX XXXX is making this consumer complaint or complaining Equifax repeatedly and persistently targeted and subjecting him to false reporting and unfounded statements to date, that depicts a negative credit rating and unfavorable image of not credit worthy though Southern fascist ideas. As a direct result, cause or attributable consequences of your discriminatory behavior and unfair business practices were ( intended ) to ruin my good name and reputation by such defaming acts and improper publications posted by your credit reporting agency. These acts went unabated for three years to date evidentiary by XXXX XXXX undertaking retaliatory action against XXXX XXXX for reporting to FTC their violations of the law. Specifically, deliberately and intentionally reporting erroneous information about him or omitting the facts a lien was satisfied in his name but instead reporting lien as unsatisfied is gross fabrication ; evidentiary confirmation # XXXX on their Equifax Research Form. Second act of commission by the Equifax Agency ; gross fabrication of XXXX XXXX XXXX act XXXX to date. Clearly obvious and foreseeable this discriminatory behavior and unfair business practices of reporting erroneous information and unfounded statements are Standard Operating Procedure that permeates throughout Equifax. XXXX XXXX having proven with genuine material of facts, Equifax is responsible for the employees actions by engaging in or intentionally in pattern or practice of irregularities, procedural defects, by making XXXX XXXX the object or target and subjecting him and other XXXX XXXX to the there discriminatory behavior and unfair business practices to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request in writing requesting for a complete verification of a few items on my credit report with all three bureaus. The request was sent in well over 30 days and they did not provide any verifiable information that proves these accounts have been completely verified. In addition the dates and amounts are still reflecting different between all three bureaus XXXX, XXXX and Experian. The accounts that I submitted a written request for complete verification are the following : 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 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 opened and closed dates are different with all three bureaus. 
This should have been fixed ad since now they have not honored the rights I am due legally they must remove the items that were not verified since they are inaccurately reporting on all three bureaus. Please assist me with getting a proper response and now resolution. Thank you.
Product: Checking or savings account

I was a subscriber to an online service. I was setup on a semi-annual billing plan. When my XXXX months subscription was set to renew I was over charged almost double what I was supposed to be paying by their own fee charts they have online and also based on my history of payments in the past. The company has no customer service phone number and only responds to emails. When I submitted a ticket, explained the problem, and asked for a refund for the over-charge, they didn't even read my emails and only referred me to the rate chart online that actually backed up my claim. I went back and forth with them a few times explaining the issue again and again but it was clear that either they didn't read what I was writing or I was just chatting with an AI bot that didn't understand the issue. After a few times back and forth, they simply stopped responding. I opened a new ticket explaining the issue and never got a response. I then asked to cancel my account and issue me a full refund and that never got a response. I eventually closed my account and never once heard back from the company. The charge, in question, is {$170.00}. 

I filed a fraud case with Wells Fargo, my bank, and was asked to submit documentation to validate my claim. At first the bank sided with me and refunded me the money in my checking account. I then got a notice in the mail, weeks later, that my case was being closed and denied for an unknown reason and that they were taking the money back out of my account. I appealed numerous times, spent many hours on the phone talking to numerous people in their fraud department, all of whom told me they would appeal my case and nothing would ever happen. Sometimes I would be asked for more paperwork and " proof '' of the issue, which I submitted, and then nothing. Never once do I get a callback and I am forced to call them constantly for updates which never seem to happen. Today I called again for an update after they asked me to submit more proof on XX/XX/XXXX and was told that nothing had progressed since then. I was told that they would once again file for an appeal and I would need to call back in 10 business days for an update. Beyond frustrated on this matter, I simply give up. It is clear that the bank does not have my best interests in mind and figures that it's a war of attrition. This is why I'm filing my complaint. I have over ten hours of work into this matter over a very small charge and Wells Fargo clearly doesn't care to help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Student loan

Navient claims there is a debt owed on the account that is due solely because of an unsubstantiated variable interest rate. When asked to review the account, Navient claimed they had the Ombudsman department do a full audit on the account, with calls regarding the alleged delinquency stopped until the resolution of the issue ; however, these action were never taken. Navient continued to call 20+ times ( excessive and abusive ) while the " investigation '' was underway. When asked to substantiate the conclusion of the report, Navient claimed there was no documentation to provide and the account was still delinquent. All requests to discuss with their Ombudsman department were denied and I was, instead redirected to a number of other departments. I have yet to receive answers or documentation from Navient, supporting their claim of an investigation regarding a past due balance.
Product: Credit card or prepaid card

We received credit card from Wells Fargo havent used them in at least 8 years didnt activate the credit cards didnt use the credit cards now I am getting past due letters and its affecting my credit score just received a letter from Wells Fargo that they are reducing my credit limit from XXXX to XXXX due to late payments I didnt use the cards this is crazy
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX  XXXX Balance : {$580.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$18.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting

I receive a cancellation of debt letter from XXXX XXXX about a charge off I had in 2011. I submitted a document to all XXXX bureaus however Experian have yet to honor this " cancellation of debt '' document and continue to report this account with a balance.
Product: Credit reporting or other personal consumer reports

I was looking on my credit report an noticed a lot of hard inquiries from the year of XXXX I have not applied for any new credit since XXXX of XXXX.
Product: Credit card or prepaid card

I have purchased a set of the furniture and applied the credit card when we purchased on XXXX. We were told they are no interest for 24 month. 

As always, we set up the auto debt from our bank, we had paid our minimum due on time for past 2 years. On the XXXX XXXX, we only left the balance as of {$3500.00}, but the Synchrony bank charged us {$4300.00} for interest, please see the statement attached XXXX. 

We understand the credit card will charge customers interest on the balance whatever if they did n't pay, but this bank goes back to charge the interest for past 2 year for the promotion period, I have never known. We found it in XXXX, XXXX, and paid off all balance plus interest charges. 

I called the bank and tried to understand, they told me that is the way they design the program to make the profit. I spoke with the manager name : XXXX, she wo n't give me any government agent contact when I asked her for the third party review for the justice. 

We need justice on this issue, this is no ethical business. As a customers we are lack of some knowledge and not paying the attention to the detail, but as a financial institute should not work on this way for the innocent customers and like rob money whoever get track in. 

I am not sure if you are the proper place to listen to us, or please refer me to other agents, we need to appeal for this issue. 

We are looking forward to your reply. 

Thank you very much -- Regards, XXXX XXXX and XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried challenging the 100 % accurate reporting of information being reported by XXXX, experian, and XXXX for an account that reads that the creditor is XXXX XXXX  various times ... ..each time they send letters saying that they are reporting accurate information... how is that so i am looking at my credit report as we speak and can see the inaccuracies... all 3 credit bureaus are violating my consumer rights so i am reaching out to you the cfpb for help .... 

this account is reporting 3 different dates of last payment XXXX  and experian are reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX but if you look at XXXX  2 year history they are reporting XX/XX/XXXX as the date of last payment they are reporting XXXX  different dates of last active XXXX  is reporting XX/XX/XXXX experian is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX this company is reporting this as a charged off account but never send me a copy of a XXXX as required by law...
Product: Credit reporting, credit repair services, or other personal consumer reports

My bankruptcy per the bankruptcy court judge was to only remain on my credit report for a five-year period as agreed and entered into the judgment. This was due to the need of my bankruptcy being necessary due to the 2008 mortgage crisis. I have submitted eight disputes with Experian to have this removed per the court order. All other agencies like XXXX, XXXX XXXX and XXXX Have removed and agreed with the judgment. I have filed multiple disputes with Experian which then returns a generic/ typical algorithm answer of verified by third-party. They state information has been verified by third-party and identify XXXX XXXX XXXX the XXXX party. Sadly, XXXX has investigated and removed form my file but Experian wont acknowledge or accept for some unknown reason. XXXX has communicated this to Experian but the protocols they have in place simply dont work. I have sent them a copy of the letter. Horrible customer service and Im seeking your help in getting this removed from my credit file
Product: Credit card

Its a pretty simple issue. I have a credit card balance that I 'm trying to pay down, and my credit card company Chase offers XXXX methods for setting up a recurring monthly payment. You can either auto pay the full amount, or you can auto pay the minimum amount. They offer no option to auto pay an amount above the minimum, but below the full amount, therefore making it harder for the average consumer to automate and pay off their debt at something other than the minimum amount due. Its obviously unethical on their part in an attempt to force people to just pay the minimum and incur the highest amount of interest possible. The ability to offer an option to create my own payment on a recurring basis that is above the minimum payment would obviously be in my benefit and not theirs, so they do n't offer it although its an incredibly simple enhancement to make to their site at Chase.com.
Product: Credit card or prepaid card

OnXX/XX/2019 I made an online payment of XXXX on a Visa card issued by Bank of America that posted on XX/XX/2019. This paid off the entire balance and was 5 days before the closing date for the account. I was under the assumption that since the total balance the closing date that there would not be any additional interest charged. On XX/XX/2019I received an Email indicating that I owed a payment of XXXX. On logging into the account i discovered that they had charged XXXX in interest after the account was paid in full. I believe that there 1. There should not have been any interest charged and 2. That even if they did have the right to charge interest, the payment of XXXX on a new balance of XXXX is excessive. Account # XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

On XX/XX/2021 my credit card and phone were stolen by an unknown person. They charged {$410.00} at a XXXX in my town. When I realized midday that my card and phone were missing I immediately closed all my credit cards and disputed my transaction/ As well as filing a police report with the XXXX Sheriff office , whose case number I've included below. For some reason my barclay Jet Blue Credit Card has sent me a letter saying that their investigation found that the charges were valid. They were not valid. 

Case Number : XXXX
Product: Credit reporting or other personal consumer reports

I am filling this complaint indicating my dispute of information in my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I recently got denied credit from XXXX for a personal loan and also for a credit card from XXXX for.XXXX, i believe someone is using my personal information and applying for businesses and credit cards from states i have never lived in or even visited, the only states i ever been to is XXXX, XXXX, XXXX and XXXX nowhere else, i dont even have family in other states just XXXX.
Product: Credit card or prepaid card

My statement balance of XXXX XXXX is {$3800.00} and due on XXXX XXXX. 
On XXXX XXXX I made {$1000.00} payment. On XXXX XXXX, {$800.00} payment. XXXX XXXX, another {$1000.00} payment was made. XXXX XXXX ( due date ), {$1000.00} payment was made as well. Totaling {$3800.00} payment by the due date leaving an unpaid balance of {$8.00}. 
On XXXX XXXX, a {$2500.00} payment was made covering the remaining balance of {$8.00}, any interest charged on top of the unpaid balance, and any new transaction. When I looked at my statement, there was {$23.00} charged in interest. I contacted Capital One Bank about it. They said the interests are changed on top of XXXX XXXX XXXX including new transactions. So, I inquire if I had made no payment but the minimum, I would still be charged the entire {$23.00}, they said yes. 
My main concern is XXXX as I never experience anything similar to it XXXX : is this practice legal? Or should they only charge interest on unpaid balance? It does not make sense to me that a bank would adopt this practice if not to steal from customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are reporting on my credit and are incorrect and inaccurate XXXXXXXX XXXX XXXX XXXX, XXXX {$2700.00} XXXX XXXX XXXX, XXXX {$100.00} XXXX  XXXX XXXX, XXXX {$1100.00} XXXX XXXX XXXXXXXX. XXXX, XXXX {$10000.00} XXXX XXXX XXXXXX/XX/XXXX {$5200.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$6000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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 XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX, XXXX XXXX  XXXX XXXX XXXX : {$5900.00} XXXX, XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$150.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX reported to experian that they were unable to locate me. But I have been in contact with XXXX and made payments even though my loan are being deferred because I am in school. I havent changed my mailing addresses still the same one XXXX has on their file. 

My credit score dropped because XXXX reported they were unable to locate me.