23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened a Care Credit account. I was told that no interest would be charged on promotional purchases. In XXXX this year, I was charged over {$1100.00} in interest. I requested that the interest be removed and Care Credit refused to do so. I was told that since I did n't pay all of the promotional purchase off in time, all of the interest for the entire purchase amount was charged to my account, over {$1100.00}. I was told these purchases would be interest free. This was not true. I have paid a total of over {$4500.00} on my account, and I can not see where my payments are going. My balance is nearly {$7000.00}. I was told that the payments were credited toward " non promotional '' purchases. This is a scam! See statement below.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$5200.00} past due. Account # ending in XXXX- keeps reporting an account well past the minimum statutes. I believe they re-aged the account. I disputed date of last payment as they claim XXXX. But last payment was late XXXX. Its been 8 years, Ive disputed the account but no action. 

Same thing with Elan Financial Services {$1100.00}. Should be dropped its past 7 years.
Product: Mortgage

On or about XX/XX/2016 I applied for XXXX equity lines of credit on rental condos from Union Bank, XXXX, CA, office with XXXX XXXX, AVP and Senior Relationship Banker and furnished tax returns and other documents. There were to be no points or closing costs, including no appraisal fee. On XX/XX/2016 he told me he needed XXXX additional documents which I furnished immediately. On XX/XX/2016, he told me he needed an additional document, which I furnished immediately, and at the same time indicated that closing would occur by the end of XX/XX/XXXX. On XX/XX/2016, he told me he needed additional information which I furnished immediately. During the process, he unsuccessfully tried to manipulate me to open an unnecessary savings account. XXXX loan was finally recorded XX/XX/2016, but the other application was declined since Union Bank 's policy is to provide a maximum of XXXX equity lines, and I already had XXXX, which was known to XXXX XXXX up front. I learned of the declination orally around XX/XX/2016 but never received written notification of the decline. ( Does n't ECOA require a declination in writing? ) I informed the processor that I would like to reapply for the loan that was declined, simultaneously cancelling the smaller existing line of credit so that Union Bank 's maximum of XXXX lines will be maintained. The processor informed me that the Branch must affirm that appraisal fee will continue to be waived as in the original application. I visited the Branch on XX/XX/XXXX and left word for the Branch Manager, XXXX XXXX to call me. She did not call nor respond to two voice messages to return my call which I left on XX/XX/XXXX and again this morning.
Product: Vehicle loan or lease

I have contacted PNC Bank several times regarding a discrepancy in my billing. In XX/XX/XXXX the amount of {$230.00} was received on my statement I disputed the amount because that was never my payment amount. Due to some personal issues I did not get to follow-up again until XX/XX/XXXX. In XX/XX/XXXX, I contacted them payed everything due including fees with exception to the XXXX amount. Thru additional conversations with PNC they informed me in XX/XX/XXXX they  adjusted my contract payment amount from {$380.00} down to {$360.00}. My grandmother made additional principal payments of {$2000.00} in total over a course of one year as given to me in my contract to prepay. When they made that payment adjustment they never contacted me and informed me my payment was changed or why and they violated my contract in my right to prepay. By the payment being changed they extended my maturity date back to the original contract collecting additional interest. I consider this a violation of CFPB regulations and have also filed a complaint with the Texas Attorney General which where I reside. 

Please also note I have paid payments for the months of XX/XX/XXXX and XX/XX/XXXX in the amount of the new payment change {$360.00} only to not have bad reflection on my credit report. I still dispute that amount in full. 

PNC Bank has supposedly escalated this many times and will return my calls via phone or in writing.
Product: Money transfer, virtual currency, or money service

On Wed XX/XX/1920, XXXX XXXX initiated a payment from his XXXX XXXX   to XXXX XXXX XXXX Chase Checking Account via XXXX. The transaction was an on-line transaction ( not mobile ). The account number for the Chase Account was missing ONE DIGIT. As soon as we realized the problem, we called XXXX and were informed ( twice ) to NOT worry, the transaction would fall to a bad account and never complete. After a few days without getting the $ back, we contacted Chase Bank and realized the bad account number that was entered on-line was actually a valid personal checking account number. 

At first Chase offered to assist us but then called informing us that there was absolutely nothing they could do. Chase would not re-route or transfer the money to the original or correct account! Chase would not reach out to the account holder in any way. They did call the bank branch in Michigan, but the branch would also NOT agree to contact the inaccurate account holder. Chase claims they were bound by privacy policy and could not let the account holder know the money was incorrectly deposited into their account. Can you imagine if Chase had made this mistake into your account!?!? 

There was no name validation or any other validation of any kind. 

We also contacted XXXX BXXXXnk multiple times. XXXX XXXX  would not even try to assist us like Chase did. 

XXXX and Chase Bank BOTH offered a manager to call us back but neither one ever followed up with the promised phone call!!!! 

Chase Bank Bad Account ( missing the '1 ' ) AN XXXX RN  XXXX Chase Bank Good Account AN XXXX RN XXXX XXXX  AN XXXX RN XXXX
Product: Credit reporting

After reviewing my credit report, I contacted XXXX, Equifax and XXXX regarding XXXX reporting inaccurate information on my credit report. According to my recollection, it 's been more than 7 years since the account was paid. I requested all XXXX credit bureaus investigate the account and remove the outdated account. After XXXX, Equifax and XXXX refused to remove the accounts, claiming they have verified, I contacted XXXX on XXXX/XXXX/XXXX to request verification and documentation on the account. XXXX responded XXXX/XXXX/XXXX by simply stating the account was verified but did not provide me any of the account information that I requested. On XXXX/XXXX/XXXX, I contacted XXXX, Equifax and XXXX requesting a 3rd time that they properly investigate and verify the information on the account due to XXXX not being able to provide me with any information on the account or any records. XXXX/XXXX/XXXX the credit bureau responded the account was verified and did not provide me with their method of investigation as I requested.
Product: Credit card

Synchrony Bank had promotional interest free period for 18 months. Instead of interest accruing after 18 month period, interest accrued the whole time and hit statement as a lump sum exceeding the remaining balance by over 100 % after 18 month period. After noticing this predatory lending structure, I paid full lump sum balance and the following month am still being charged interest for some reason. Misleading predatory lending.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft possibly through a data breech and did not make the charges listed. I ask that the items be deleted to correct my credit report at the earliest convenience.

I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting

I reported the credit reporting company as XXXX on my complaint when actually it was Equifax : I paid off a higher credit card balance with XXXX that had a much lower interest rate. Equifax added the balance paid, to the lower interest rate credit card but did not remove it from the higher XXXX resulting in my appearing to owe {$4200.00} more than I do. This resulted in them dropping my credit rating XXXX points. I would like my credit rating restored to the XXXX that it was. Thank you.
Product: Checking or savings account

I opened a business checking account on the phone with Truist on XX/XX/, with a welcome offer of {$300.00} ( promo code XXXX ). I requested that the agent opening my account attach the promo code XXXX, and she confirmed that she did. Till this day, after fulfilling the terms on XXXX I still haven't received the advertised {$300.00} bonus. I contacted Truist multiple times via both email and phone, but the issue still hasn't been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included these in my previous Complaint & I am including them again. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$580.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$630.00}, XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : {$5000.00}, XXXX XXXXXXXX XXXX Balance : {$770.00}, XXXX XXXX XXXX XXXX : {$11000.00}, XXXX XXXX XXXX Balance : {$8200.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

i sent a letter to Experian on XX/XX/ TRACKING # XXXX which they received XXXX. Under 15u.s code 1681c-2 a consumer reporting agency shall block the the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. it has been 30 days and you are in violation of this law because i am a victim of identity theft. I provide a sign and notarized identify theft affidavit and they still failed to remove it or provide what steps they took to validate the accounts.
Product: Checking or savings account

On XXXX XXXX XXXX  I was on my way home from lunch before I decided to stop at the bank and deposit some loose change. I've been a Wells Fargo customer for a little over two years, and I've never experienced anything like this. As I was going to an ATM, a XXXX  man stopped me along the way asking for some help depositing a check that had {$1000.00} written on it. He said he was from XXXX, so he may have either come to the United States as a child or is currently doing business here. But, as soon as I finished depositing about {$50.00} of loose change into my account, he just goes ahead and deposits the {$1000.00} into MY account, only to then take out {$400.00}. I tried to stop him, but he just walked away right into his car and drove off. So now I'm pretty much piss-poor and the guy just committed fraud on my account. In other words, he stole the {$290.00} that was given to me from XXXX, where I'm in my final semester before I go to university in XXXX, AND the money I had just deposited into my account. 

Unwilling to accept the outcome, I immediately got on the bus, only to stop at XXXX and get on the phone with my bank. I told them that the {$50.00} I deposited earlier was mine, but the {$1400.00} wasn't. What they've done so far was put a block on my old card and send me a new one. The case is open as of right now, there has been a hold on the {$1000.00} that was deposited that may not clear up until tomorrow, both the deposit and the {$400.00} withdrawal from the ATM have been posted and they're still on my account statement, they're sending a letter to my house saying they may need more information or that they're sorry the investigation is taking so long to clear up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is choosing to ignore a Federal Document I was told I was told by TransUnion to send this document in after over a week of them having the document they let my existing dispute close. Then their next problem was choosing not to accept the document. I feel like this company is XXXX XXXX against me. The document that I provided proved a clear case of fraud against me
Product: Credit reporting or other personal consumer reports

This company XXXX XXXXXXXX XXXX still wants to show up on my credit report for account opened in XXXX & should not be reporting anymore after receiving all payment in full of {$41000.00} original amount owed in XXXX they are claiming some {$100.00} fee I owed since XXXX & claims I settled XXXX but never settled anything, company took upon there self to settle outside my knowledge & personally using this against my credit report to destroy my credibility ask that this company be investigated with how they can take action with no acknowledgement from other party which in turn has my credibility paying the price, this is an illegal act that should not go on. This account should be removed immediately from my credit report without any delay.
Product: Credit card

On XX/XX/2016 I bought a product to the company XXXX, I never received this product, I made a dispute to my credit card synchrony bank, my bank responded that the company had given them a tracking number, the Traking number says the product was thrown at the fence door, I never received this package, they are charging me for the package that I never received, I do not hire the packaging company, it is not my responsibility that the product is found Lost, all responsibility is in the company that sent the package and did not require a signature for delivery
Product: Credit reporting or other personal consumer reports

I submitted complaints to the bureaus and i have not gotten any results. I am in the middle of applying for a mortgage and the lender is denying me because of inaccurate information on my credit report. I would like to have this resolved immediately because i need to close on my home in less 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello- I am troubled by the behavior of Kia motor finance. Three years ago I leased a car from them. We moved addresses twice from purchase until now. In XXXX, Kia marked my credit record with five consecutive late payments, and three more this year. I paid all payments on time. Kia never mailed or emailed me any information letting me know payments were late. I called several times to ask them to remove the erroneous info but they refused to do so. They have acted predatorily. According to them, a tax on the car ( not sure why I am responsible for paying it if its a lease and I dont own it ) was paid by Kia because XXXX  assessed a tax on it ( which I did not see/ get due to my address changing ). This then caused one payment to be late from my auto debit. Somehow they have marked every subsequent payment late even though it was on time. My credit score has been horrendously damaged going from XXXX down to XXXX. Please make Kia tell the truth and fix this issue with the credit bureaus.
Product: Credit card or prepaid card

To : Consumer Financial Protection Bureau, CFPB From : XXXX XXXX XXXX Re : Citicards CBMNA, acc. # XXXX Recently I disputed the Citicards account noted above with the three Credit Reporting Agencies. On receiving the results of that investigation I then sent a Direct Dispute with Citi in accordance with : Additional Furnishers ' Duties Under the FACT-Act ; 312 of the FACT-Act expands furnishers ' affirmative duties concerning the accuracy and integrity of the information they furnish, contains a provision that allows consumers to file disputes directly with the furnishers, and specifies the procedures furnishers must follow in responding to direct disputes. 

Please see the attached letter I sent to Citi describing my Direct Dispute and including a copy of the XXXX Report described in my letter. I have not knowingly or inadvertently missed each or any of the payments on this account as described in the attached copy of my credit report for this account flowing its investigation by XXXX. Which clearly documented the account as well as demonstrating the Citicards had identified both myself and the account in their response. 

Please then see the attached letter from Citicards, where the first line reads ; We received your credit bureau dispute. Where the Direct Dispute demonstrated in my letter to them was simply ignored by Citicards. There can be no mistake in my letter as it demonstrated the authority under the Fair & Accurate Credit Transactions Act. This places Citicards in direct Volation of the FACT-Act. 

Where in their response, I use this word carefully as a response can in no way be confused with a Reply, which requires answering the request and questions put forward, Citicards has behaved as if theyre simply obtuse and unable comprehend the information provided in my Direct Dispute. 

Preferring instead to send me a generic response placing an additional nine ( 9 ) proposed conditions. Attempting to place additional burdens on myself, the consumer, in order to proceed with their proposed credit bureau dispute. Which has been clearly demonstrated as a Direct Dispute in accordance with 312 of the FACT-Act. While also demonstrating the credit bureau dispute that had already been accomplished and also demonstrated to Citicards in my letter to them. 

None of the information I provided to Citicards can be disputed. Where the quotations can all easily be described, for example, in the : NATIONAL CONSUMER LAW CENTERS REPORT, AUTOMATED INJUSTICE : HOW A MECHANIZED DISPUTE SYSTEM FRUSTRATES CONSUMERS SEEKING TO FIX ERRORS IN THEIR CREDIT REPORTS XX/XX/XXXX Please see a copy of page 21 of this report attached which clearly demonstrates : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXXXXXX XXXX XXXX due to incorrect information. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company Experian. 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting house. Experian violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report and I noticed a list of unauthorized inquiry had been made such as XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, XXXX DC XXXX XXXX/XXXX/XXXX ), XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX XXXX XXXX/XXXX/XXXX ), And XXXX XXXX ( XXXX/XXXX/XXXX ). 

I have contacted who conducted the inquiry and asked them to remove their credit inquiry from my credit profile.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$760.00} Chargeoff
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report, which I brought to the attention of Equifax on XX/XX/XXXX. Despite my initial contact, Equifax has not responded or addressed the following discrepancies. I kindly request your assistance in resolving this matter. 


XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$13000.00} ) Equifax erroneously reports a late payment on the XXXX XXXX account. I would like to emphasize that this account has never been late. Therefore, I request the removal of the late payment notation from my credit report. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$12000.00} ) Equifax incorrectly indicates a late payment on the XXXX XXXX  account. I want to clarify that this account has never been late. Consequently, I kindly request the removal of the late payment entry from my credit report. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ) Equifax includes a late payment record for the XXXX XXXX account. It is important to note that this account has never been late. Therefore, I request the removal of the late payment notation from my credit report. 

XXXX Account ( Date Opened : XX/XX/XXXX, XXXX : {$0.00} ) Equifax has provided inaccurate information on the XXXX account. I kindly request the correction/update of this erroneous data on my credit report.
Product: Credit reporting or other personal consumer reports

Republic Finance reported two XXXX  to XXXX identifying my account as unrecoverable. I was under a payment arrangement with XXXX when Republic Finance pulled my account back. It then was transferred to XXXX. Once transferred to them, there were multiple issues with them setting up the payment arrangement I made. Once they could finally get that straightened out Republic Finance reported my account to XXXX as unrecoverable. I've been paying on this account for over a year with monthly payments- so how is this not recoverable? 

Why are there XXXX separate tradelines on this XXXX account? I was just about to refinance my mortgage but because of this incorrect and willfully negligent credit reporting of the account my score has dropped over XXXX pts. 

I called the company and asked for my agreement and they told me I had to physically go in to a branch to get a copy. I asked how to submit a complaint and they told me to send a fax ( c'mon its 2023 ) or mail it to the local branch. I tried speaking to company reps- XXXX and XXXX and was appalled at how rude they were - XXXX actually had the audacity to tell me " you're being ugly, '' simply because I was asking questions. I'll also be reaching out to the Texas XXXX because this company 's practices are attrocious.