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

I was offered a credit card at Best Buy when I went in to purchase a laptop. I was offered a credit card with 0 interest rate for a year. After that year, any unpaid amount would start incurring interest. I made all my payments on time and I kept using the credit card for other purchases. When the promotion ended, Best Buy charged me interest for the year I had the promotion. I called them to figure out why they charged me for the promotional time and they said that was the deal. I offered to pay off the credit card balance immediately as long as they removed those charges/fees. They refused and now they are charging me over {$1000.00} on a {$500.00} credit limit card. This is ridiculous and they refuse to work with me. I called them the same month they added the fees and they refused to help and now they have ruined my credit. I am willing to pay them what I know I owe them but I refuse to let them take advantage of me after promising me a promotion that probably didnt exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In XXXX I got a new leased XXXX XXXX. The lease was for 3 years. During the course of this loan, I had two issues with XXXX XXXX 's auto payment system. Once in XX/XX/XXXX and once again in XXXX XXXX When I realized it happened again, fearful my credit would be penalized, I paid off the remaining months of my payments early. When I returned the vehicle early, I was charged again with additional fees that were all paid on the date of return and the account was officially closed out by XXXX XXXX 
This all shown and recorded on XXXX. 
The past few years my husband and I have been looking to purchase a home. We went to sign mortgage documentation XX/XX/XXXX, I noticed that it incorrectly showed an active loan with XXXX XXXX. When I informed our lender, they let me know " There is a XXXX lease still showing up on your credit for {$1800.00}. '' This does not show up anywhere on my TransUnion or XXXX report shown in XXXX. This is the first this has been brought to my attention and I believe this has been negatively impacting my credit the past 3-4 years now. I tried to resolve this issue with XXXX XXXX and they seem next to impossible with communicating. I can not access my XXXX XXXX account because I no longer have an account number which is required to login. After further investigation, I saw I'm not alone and this has happened to other XXXX XXXX TransUnion consumers who turned to the law for help. I'm not sure if this is the right avenue to turn, but I'm hoping to get this situation justified without having to pursue legal action. I feel they have violated the Fair Credit Reporting Act. Thank you for your assistance in helping to correct this.
Product: Bank account or service

U.S. Bank - I was speaking with a bank representative named XXXX that suggested I transfer funds from XXXX bank card to another at a lower interest rate. I did and asked that my payments be due on the first of the month. After everything was transferred over from XXXX cards, I received my first statement and it stated 11 % which was higher than the 5 % he quoted me, also, there were transfer fees. To top it all off, any account I have has a grace period of at least 5 days. If my account was n't paid on the XXXX of the month exactly ( which was never explained to me ) I finally discovered I 'd been charged late fees. I 've always paid my bills between the XXXX of the XXXX of the month. Upon discovery, I was smoothed talked again and then found out my interest rate had gone up to 28 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a hard inquiry on my credit report on XX/XX/2022 by XXXX XXXX for a credit card that I did not apply for. I called XXXX XXXX  and Experian reporting the fraud alert.
Product: Checking or savings account

On XX/XX/2015 XXXX XXXX XXXX force closed my checking and reported to EWS that they closed my account for transacting in an improper manner which is untrue. My EWS report has a XXXX balance but it 's stopping me from opening an account being that I ca n't get it removed by EWS.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials a needs to be reviewed a deleted asap. None of the accounts are following the FCRA guidelines. Please review a remove the listed accounts asap to clear my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX, XXXX, XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XX/XX/XXXX ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$7500.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX  XXXX XXXX : {$650.00} ; XXXX  ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$6600.00} ; XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$510.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$860.00}
Product: Checking or savings account

I had fraudulent transactions on my checking account. Once Citibank verified they were fraudulent the funds were returned to my account. I received a letter on XX/XX/2022 stating they were closing my account. My account contained {$1000.00}. In their letter they state within sixty days any funds in the account would be issued a check mailing to the address on the account. In XXXX I contacted Citibank to find out the status of my account and was told a check was mailed. In XXXX I contacted the fraud department and was told my account was being sent to the closure department and they had sixty days to close. I asked why was I told in XXXX that the check for {$1000.00}. I was placed on hold and when they returned they stated that they could no longer speak with me and hung up. I called several other times and was told they could not speak with me and hung up. In XXXX I tried to contact Citibank through their automated system but could not identify my card number or my social security number. There were no physical XXXX in the XXXX XXXX. I have had a financial report ran and the {$1000.00} was listed. In XXXX I wrote a letter and provided all of my documentation and have not received any response.
Product: Credit reporting or other personal consumer reports

My Name is XXXX XXXX my social security number is XXXX and my date of birth is XX/XX/XXXXXXXX 
This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX opened on XX/XX/XXXX under the account number XXXX with a balance of {$660.00}. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or collections, as reported. The aforementioned accounts, and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Chime closed my checking account on XX/XX/2023 with no warning and no explanation. They sent an email directing me to their deposit agreement terms for me to " look up '' a possible reason for the account closure but there was nothing I did to violate their deposit agreement. The day they closed my account was the same day I received my deposit from my employer, the UNITED STATES POSTAL SERVICE. Despite my attempts to get an answer, chime has refused to explain why my account was closed and its caused me to have NO ACCESS to my entire paycheck!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that TransUnion investigate XXXX account number XXXX XXXX XXXX XXXX on several occasions in during the year XXXX and XXXX. In the year XXXX alone, Ive made requests XXXX, XXXX and XXXX. TransUnion has responded to my letters stating that they have done an investigation each time. 

I have provided snapshots from my FICO to show that the XXXX has not been updated show the account was investigated and it is being reported inconsistently. 

In accordance with the Fair Credit Reporting Act XXXX account number XXXX XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

Our mortgage servicing company OCWEN every 6 months sends us a notice that our Condominium Association Master Insurance Policy on our rental property has expired. It then requires us to contact the Homeowners association and master insurance company to provide all the master policy information, endorsements, etc., etc. What on earth is the mortgage servicing company getting paid for if not for basic services like establishing contact the Homeowners Association to verify their Master insurance coverage? We are hounded every 6 months with this repeated huge paperwork exercise. OCWEN is getting paid to do this or do I misunderstand their obligations and what they are being paid for? We understand perfectly our requirement to verify we have homeowners insurance on the condo itself. 
This is just one of the regular hassles that OCWEN puts us through because they do not follow up on the information we provide or require repeated re-sendings of information and paperwork because they lose track of our material. OCWEN is without a doubt the worst organization we have ever dealt with concerning mortgages and insurance. Constant difficulties.
Product: Mortgage

I was told if I paid {$500.00} and installed smoke alarms and such totaling another {$250.00} that I could obtain an FHA loan on my property since I had been current in my payments. 
Then I was told that because my property was listed as a condominium on the county recorders office that the loan was being denied after submitting paperwork and paying fees. 
Then it was represented to me that I could obtain a conventional loan even though I was recently dishcarged from chapter XXXX bankruptcy in XX/XX/2018. 
I think more research should have been done on JG Wentworth 's part before taking my {$500.00} which I am sure is nothing to them but is quite a lot of money to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a balance of {$1300.00} -This is not my account.
Product: Debt collection

MCM MIDLANE DEBT BUYER Which is not the original creditor. Is making harassing phone calls and sending multiple letters stating Im being sued for accounts that were paid on XX/XX/year>. I have attached 2 letters that I received on XX/XX/year> stating that no other obligations need to be fulfilled. This company has not removed these accounts and are making remarks on my credit report stating theyre still open.
Product: Credit reporting or other personal consumer reports

I have attached an FTC report with fraudulent unauthorized inquiries. Delete fraudulent unauthorized inquiries.
Product: Credit reporting or other personal consumer reports

Firstly, I emphasize that my right to privacy is paramount, and I am exercising this right through this dispute letter. As per 15 U.S. Code 1681 ( a ) ( 4 ), you are obligated to act with fairness, impartiality, and respect for consumers ' privacy. I am asserting this right under the stated law and expect that the information in this letter will be handled with the highest degree of fairness, impartiality, and respect for my privacy. 

Additionally, under 15 U.S. Code 1681b regarding permissible purpose, I have never granted this company any such authorization. As a result, they are in direct violation of this law. I request the immediate removal of this account from my credit report, as it negatively affects my reputation, character, creditworthiness, standing, and capacity. Given your responsibility to protect my privacy, I expect this matter to be resolved with the utmost urgency. 

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

I am writing to express my profound dissatisfaction and concern regarding the persistent errors in removing fraudulent items from my credit report. Despite numerous attempts to rectify this issue, the inaccuracies persist, posing a significant threat to my financial well-being and personal security. 

I initially reported instances of fraud, and since then, I have diligently followed the established dispute resolution procedures to rectify the fraudulent items on my credit report. Regrettably, my efforts have been met with limited success, as the fraudulent entries continue to tarnish my credit history. 

I have submitted all required documentation, affidavits, and police reports, consistently followed the appropriate procedures, and communicated extensively with your representatives. However, the resolution of these fraudulent entries has not been achieved despite multiple attempts. 

I insist on an immediate and thorough investigation into these matters. I demand the prompt removal of all fraudulent items from my credit report, as well as a comprehensive update reflecting the accurate and verified information. Additionally, I expect a detailed written explanation for the persistent presence of these fraudulent entries and the measures being taken to prevent their recurrence. 

These fraudulent items not only harm my creditworthiness but also expose me to potential financial and identity-related risks. I trust that Credit Bureaus takes these concerns seriously and is committed to maintaining the accuracy and integrity of consumer credit reports. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX
Product: Debt collection

Dear CFPB, Below this line is the response I received from RECEIVABLE MANAGEMENT SYSTEMS to my complaint cfpb file : XXXX-XXXX  " Thank you for reaching out to our firm. We have reviewed your account. Upon review of your account, the itemized bill that was sent to you on XX/XX/20 is from the original creditor, XXXX XXXX in regards to the services received. Our firm has also requested additional documents from XXXX XXXX and upon receipt of requested documents, will be mailed to the consumer at the listed address in this complaint. Please contact our firm directly should you need further assistance in resolving this matter '' It has been more than 7 months that I have been expecting RECEIVABLE MANAGEMENT SYSTEMS to do the right thing and send me validation of the debt they claim I owe. Or at least delete this erroneous account which is detrimental to my consumer report. Please review the attached file to note that this account is still on my credit report and hurting my ability to obtain credit.
Product: Checking or savings account

I was notified that my account was restricted on XX/XX/year>. I called immediately to find out what the issue was. I explained that I needed my account unfroze due to needing to pay bills and pay for medication. This the second time account was frozen in two weeks. No answer were given to explain issue.
Product: Credit reporting or other personal consumer reports

Ive noticed discrepancies on my credit report regarding 15 USC 1681c-2. The hard inquiries listed were not approved by me, and they are negatively impacting my credit score. Please remove any unauthorized hard inquiries immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three collections accounts on my credit report from one hospital visit during XXXX. The hospital billed the wrong insurance company. By the time I found out, they had reported it to collections. THe hospital refusing to bill the correct insurance which was XXXX XXXX XXXX, I had to beg to get an actual superbill from three different places for one ER visit - one from the ER, one from the XXXX, and a XXXXXXXX XXXX. 
XXXX XXXX is taking care of this or has taken care of it, finally. XXXX and XXXX have already removed this from my report, Equifax is refusing to remove it. I have tried multiple times to send them a letter from the debt collector, XXXX, who actually put it on my report to start with. I have attached the letter from XXXX, in it they are requesting the items be removed from my report. I have been trying to get this resolved for months, probably more like a year. I have spent my entire afternoon off of work trying to get this resolved and have been on hold and on the phone with equifax for XXXX hours. I have been put on hold three times and then put thru the queue again. Their system is very cumbersome to actually speak to a person. It takes at least XXXX min to get thru the prompts to actually get an agent. They are in violation of the FCRA because the information on my report they are reporting is completely inaccurate. They maintain they have 30 days to investigate, there is nothing to investigate, I have the proof right here. XXXX also sent them notification on XX/XX/XXXX to remove the items. They still have not complied. I am not sure what else there is to do but get an attorney and sue them. I am already needing to refinance my car purchased a few months ago because of this. I am tired of begging and pleading with them, and I am tired of being nice. I am a XXXX XXXX XXXX and I see XXXX XXXX XXXX XXXX all day long. I don't have time to be spending XXXX hours on the phone with equifax for nonsense. There are already not enough XXXX XXXX XXXX  to go around and this is completely uncalled for. The way I have been treated here is the same way criminals are treated when they are just out of prison. 
Please see attached fax, which i have tried faxing a number of times and uploading to the equifax website to no avail.
Product: Credit reporting or other personal consumer reports

I have been speaking with the lawyers of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Case XXXX. I am also a victim of XXXX false deceptive practices which violates FDCPA XXXX They have also violated 1 5 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. The bankruptcy was not accurately verified by any court, Judge or lawyer. XXXX liability for willfully non compliance will be incurred for the damages I have been caused. It will be applied in my lawsuit. XXXX XXXX XXXX XXXX deleted the inaccurate bankruptcy and I have supplied all proof. I understand a trial settlement for XXXX XXXX is XX/XX/year> and trial is set for XX/XX/year>. I will be present at the court date and i am filing for the same damages. Delete the above bankruptcy and this can too be prevented.
Product: Student loan

Hello, I consolidated all my loans ( Federal stafford, Graduate plus, etc ) back in XXXX Navient. Navient left out 7 loans from XXXX & XXXX from the consolidation and never offered to add this loans back into one consolidated loans even though they were eligible. Now when I am trying to apply for Public Service Loan Forgiveness program, I am being informed that not a single payment made for the last 7 years under the IBR will not count towards the forgiveness program. I am left with a balance of {$120000.00} because Navient failed to consolidate and gave me inaccurate and incomplete information regarding all the loans that were under their service.
Product: Bank account or service

I am a member of USAA. I had a joint checking account with my wife as an authorized user. At the time, she was also listed as an authorized user on the USAA MasterCard. We had financial issues and the MasterCard account went delinquent. Soon after, I removed her from the account as we separated. I voluntarily removed myself from the joint checking account, leaving it to her. I then attempted to add a new checking account with USAA but was denied. They said that I could not have a checking account due to the balance owed on the MasterCard. I accepted that. Now I find that my wife still has her USAA checking account as an active account. USAA refuses to discuss it with me as it is her information. I get that. I do n't think it fair that me, the service member who originally had eligibility for their products, am now being denied an account when she is able to remain a member.
Product: Bank account or service

XXXX/XXXX/XXXX I have a maturing ( XXXX/XXXX/XXXX ) JUMBO CD @ CIT online bank. I sent them 2 letters XXXX XXXX, XXXX XXXX w/instructions to wire the $ in full to my credit union as I have done previously at least XXXX w/other CD accounts there, I also faxed a letter w/their form and made several phone calls & e-mails to " make sure '' this would not roll over as I am dissatisified w/ this bank for many more reasons ... today I was " grilled '' by XXXX from CIT bank, security questions about my existance from 40 years ago ( XXXX )! plus, too many of them all different questions from when I originally established this account ... I was told I may not get MY $ because a " 3rd. party entity, they refuse to identify has to check me '' ... I have more than COMPLIED, they say they never recieved the letters I sent & I keep getting conflicting/wrong info from them about where they are who is in charge, address ... .I want MY money OUT of CIT bank upon maturity ... they are abusive/security abuse, over kill, treat me like a criminal, change their " protochol '' and have caused me much duress & XXXX ... they wo n't even give you a paper/hard copy of your account info ... ..BAD BANK! XXXX