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

I have been an Amex cardmember since XXXX  and recently opened a new account. As part of this I assumed that the automatic payment set up on my other card would continue onto my new card. Only after the payment date passed did I learn that this was not the case. On XX/XX/XXXX I called and requested that the late fee be waived for this misunderstanding and this was done. During this call, I was not told that I would be charged interest and that the interest would continue. To date, I was charged {$180.00} in interest fees on XX/XX/XXXX ( with more coming on in XXXX bill ). Had I known that interest would continue to be charged, I could have changed my card usage. 

In a phone call on XX/XX/XXXX, I requested that the exact calculation for how the interest charge was calculated and was told that this is not possible. Without knowing the correct formula with the actual numbers used, I can not know if I am being charged correctly. 

Based upon my usage until the date of XX/XX/XXXX when I made payment to AMEX, I should be charged no more than {$71.00} ( this is the outstanding balance on XX/XX/XXXX of {$4600.00} x the daily compound of an XXXX of 18.24 % ). All interest charges beyond that should be credited back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of account which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance : XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

On XXXX company XXXX XXXX XXXX XXXX XXXX, XXXX from the XXXX XXXX XXXX XXXX XXXXXXXX sent money in the amount of XXXX USD to our company 's XXXX XXXX account with XXXX XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXXXXXX XXXX XXXX was designated under the Executive Order XXXX. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to OFAC. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, OFAC may not locate the records of the blocked payment. On XXXX  we tried to contact JP Morgan Chase Bank via XXXX from XXXXXXXX XXXX asking them to clarify if the payment was blocked and reported to OFAC and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds.
Product: Credit reporting or other personal consumer reports

Ive been disputing this account for over 10 years and they refuse to remove with all the proof I submitted please help me I need this account removed
Product: Credit reporting, credit repair services, 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 Bankruptcy Account Number:XXXX  Account Name : XXXX  Account Number:XXXXXXXX  has violated my rights. Or 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 card

SYNCHRONY BANK violated my rights In accordance with the Fair Credit Reporting Act, under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. SYNCHRONY BANK has also violated the Minnesota Commerce Department ( PCFA ) by violating my right to delete, my right to opt out, and my right to limit. I provided SYNCHRONY BANK two ( 2 ) notices exercising my rights under FCRA, FDCPA, and PCFA and they continue to recklessly and negligently violate my rights. SNYCHRONY BANK also has also violated my rights to privacy under the 1974 privacy act by sharing my personal information with the credit reporting agencies : namely, XXXX and XXXX. SYNCHRONY BANK has also committed securities fraud by using my personal information and the note attached to the installment agreement, as receivables to put into their trust and continue to make profit by continuously trading those notes on the primary and secondary markets. This is all according to their own company 's 424B prospectus. However, SYNCHRONY BANK failed to remit the equitable interest to me as a silent investor and bonafide purchaser into their company. Lastly, I sent to SYNCHRONY BANK a properly indorsed and endorsed note, giving it value, for SYNCHRONY BANK to satisfy any outstanding financial obligations but remit to me the equity to which I am claiming all rights, titles, and interests and revoking the same from SYNCHRONY BANK. SYNCHRONY BANK is also in violation of 15 USC 1692g ( a ) as they have not communicated any debt owed in writing.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

I have listed the accounts and addresses that I do not recognize within this FTC report. The continued addresses are listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX I have never lived at any of these addresses and I do not recognize the accounts listed.XXXX  - XXXX {$3000.00}, XXXX ACCOUNT XXXX {$220.00}
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXX/XX/XXXX
Product: Credit card

Around 18 months ago, I took out a " direct deposit '' from my Bank of America credit card that carried a XXXX % deposit fee and 0 % APR for 18 months. The promotional period ended XXXX/XXXX/2016. I made minimum payments for 18 months and after receiving my XXXX/XXXX/2016 bill, I scheduled a payment in full for XXXX/XXXX/2016, which was within the payment period of due date XXXX/XXXX/2016. Prior to XXXX/XXXX/2016, I contacted Bank of America to inquire when my promotional interest rate was ending. I was not told by the XXXX that I would have to pay my balance in full by XXXX/XXXX/2016 to avoid any interest charges. On XXXX/XXXX/2016, I received my Bank of America statement reflecting a {$100.00} interest charge. When I called Bank of America to contest the fee, I was told that I should have known that I needed to pay in full by XXXX/XXXX/2016 because that is the date the promotional APR ends. I believe that this is a deceptive tactic, because at no point did Bank of America make it clear that I would have to make a full payment on or before XXXX/XXXX/2016 to avoid interest charges. Whenever I use a credit card, I avoid interest as long as I pay the balance in full before the due date. It made sense for no interest to accrue between by statement date of XXXX/XXXX/2016 and my next statement of XXXX/XXXX/2016 as long as I paid the balance in full. This deceptive practice has resulted in a steep interest charge that is unfair and predatory. I do not think I should have to pay this charge.
Product: Credit card

This is in regards to the purchase of plane tickets on XX/XX/year> through two venders, ( XXXX and XXXX ) that I did not authorize. I called Wells Fargo about the charges the minute I saw them on my statement. XXXX called me about the dispute and I told them that I did not authorize the charge. That company immediately refunded my credit card company. Wells Fargo refunded the other charge initially. 

Later on after they did their research, they told me that the tickets ( from NY to XXXX XXXX ) were in my name and my daughter 's name and thus were authorized by me ( even though I called Wells Fargo to dispute the charge several days before the flight was even scheduled to depart ). As I had recently been hacked ( my employer had received an email from a bad actor to deposit my paycheck to a fraudulent account ), I told them that most likely I have been the victim of identity fraud and that is why the tickets were purchased in my name. I also supplied proof that neither I nor my daughter had been to XXXX. They denied my claim. 

Afterwards I called XXXX and found out the tickets were purchased using an email that was not mine and I did not have access to. I promptly called Wells Fargo and told them about this. They reopened the case, but later denied me again. When I called to speak to someone at the company, the person on the phone told me there was no record that they even followed up on this claim. 

I called XXXX again and told them I needed documentation regarding the email they have on file ( that was not mine ). They would not provide this documentation unless they could send it to the email they had on file ( which is not mine ). After 2 hours of escalating the issue, they finally sent me proof to my actual email address ( regarding the fraudulent email address ). I sent all the proof to Wells Fargo. Now I will have to wait another 20 business days for them to do their job ( or not ).

I would also point out that Wells Fargo forces you to send all documentation via Fax, not email which is extremely inconvenient and costly. 

In the meantime, I refuse to pay this charge because I did not authorize it. There was a zero balance on the card with the exception of the fraudulent charge. As this is still ongoing and has been going on for the last several months, the account has been reported as delinquent. My credit has dropped XXXX points and other banks have reduce my credit limits on other cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted an application to my bank, XXXX, for preapproval for a mortgage. This submitted a hard credit pull by a company called XXXX. Subsequent to this, I received a notification through a third party ( XXXX ) that my TransUnion credit score had fallen by 49 points overnight. Hard credit pulls do hit credit, but 49 points is excessive, especially in the 600-700 range. 

In dealing with this, I checked with XXXX  ( XXXX  could not process a request online for a report ). My score did drop a bit, but was still relatively unaffected, in the 700 range. This is the behavior one would expect. I pulled my TransUnion report, and the only change was the hard credit pull. 

I contacted TransUnion, and they will not disclose what occurred. I understand credit scores are algorithmic, but they kept referring to me being able to look at my report to understand the factors. I understand the factors, but I do not understand why a person in good standing was so dramatically damaged by requesting a mortgage credit line. They would not answer this question. I can not even confirm this score hit because they keep routing me to a $ XXXX/month service for credit monitoring in order to see my score.
Product: Debt collection

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports there is a closed account with huge amount of missed payments. DISCOVER BANK Opened XX/XX/2014 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA DISCOVER BANK has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit DEPT OF EDUCATIONXXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inquiry that appears on my credit report. I have carefully reviewed my credit report and confirmed that this inquiry was not authorized by me. I have not applied for any credit, loan, or service from the creditors listed around the date of the inquiry, nor have I granted permission for any third party to access my credit information on my behalf.
Product: Credit card or prepaid card

Amex Serve closed my prepaid account and emailed me that I violated section 12d and 15d of the card holder agreement. They wouldn't take my calls, just closed my account. 

I didn't do anything. You can't do much with a prepaid card and we had the account for over 5 years. 

Please investigate. We were already in the process of closing our account because we were very limited with Amex.
Product: Consumer Loan

I purchased a certified used car w/ Ally Bank being the lean holder. The car I purchased had several issue I only took the car to the dealership to get serviced never did they inform me of any issues, but the check engine light kept coming on. The gas and or the fuel pump was fixed XXXX by the dealership within a months time. After two weeks the engine failed. They saying to repair it cost XXXX XXXX dollars which I do n't have and now I 'm stuck with a XXXX XXXX dollar loan for a car that is worth XXXX and is also not operable.
Product: Credit card

I was refunded a plane ticket I did not use by XXXX XXXX. Based on XXXX XXXX, the credit was provided XX/XX/2023. The credit card to credit back my money was not the original credit card I paid with. I was told by XXXX money was provided to a travel company. I bought my tickets thru chase travel. I reached out to both parties ( chase & XXXX ) with no luck. It is obvious fraud was committed.
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX XXXX I went into the Chase Branch and worked with XXXX XXXX to Update my name as Ive recently married. I provided her with copies of my new drivers license, social security card and marriage certificate. All documents reflected my married name, XXXX XXXX. She stepped away to copy my documents. She indicated she ordered my new debit and credit cards to be shipped to me with my new legal name. However, only my debit card is reflecting my new legal name. I received my credit card but it has my old legal name, called the number on the card and was informed they couldnt tell me if my documents that XXXX copied were on file. I was informed I have to resubmit all of my documents again. This is potential fraud as XXXX stepped away to take copies yet none Of the documents are on file and my credit card info does not have my new legal name! I need my account info to reflect my new legal name and that includes my credit card. Also, why would the documents I gave XXXX apply only for my debit but not my Chase credit card!?! Its the same bank just different product!
Product: Credit reporting

Dear XXXX : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
Those account are fraudulent please remove XXXX XXXX # XXXX XXXX XXXX BANK XXXX XXXX # XXXX XXXX XXXX BANK XXXX XXXX # XXXX XXXX BANK XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX NOT MY IQUIRE XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX DEFENDER MISC The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), XXXX the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXXY XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card

The merchant credit card had a 0 % interest offer. They failed to properly disclose that after the promotional. All of the interest that was waived would be added to the balance. This was not adequately disclosed at the turning the credit was used. When I called the customer service center, they told me that if I paid the bill right away, that the interest would be waived completely. Two months later, they failed to do this and withdrew money from my checking account without authorization.
Product: Credit reporting

Worked with attorney and debt collector to resolve an erroneous debt collection action resulting from cancellation of a cell phone contract in XXXX pursuant to the Servicemember 's Civil Relief Act/the terms of the contract. The debt collector verified that the debt was erroneous and notified my attorney of the same. The debt disappeared from all XXXX of my credit card reports but has since reappeared. The process of disputing the erroneous information on each individual credit report ( XXXX, XXXX and, TransUnion ) is unduly onerous and time consuming. I would like the CFPB 's help with cleaning up my credit report permanently. Further, I believe other Soldier 's may be similarly situated and the CFPB should track this company for other complaints.