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

XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$16000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The account balance reporting is incorrect. I purchased the vehicle for {$11000.00}. Shortly after purchase I was forced to return the vehicle because of electrical damage that was not disclosed at the time of purchase. The vehicle was sold at auction and sold for more than what was owed so consequently, there is no outstanding balance due and therefore nothing to collect. We were also owed 95 % of the extended warranty and that was never applied either to the balance. This false reporting of a collection/charge off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit card

I have a Cap One credit card. Because I was late with a couple of payments, my interest is now 29 %. I do my best to catch up, however what follows is what happens ; I started out with a {$3000.00} balance. I have not charged on the card in over XXXX years. However, my balance is only down to {$2300.00} because of the add ons. If I pay {$200.00} and its not the total amount due, I am charged a {$45.00} fee, plus over % 50 interest. Therefore I can not catch up. Ive actually paid over {$4000.00} in the last XXXX years but still owe {$2300.00}.!
Product: Credit card or prepaid card

XX/XX/2022, {$840.00}, WITH Klarna who I contact to confirm my purchase limit was told it was {$560.00}, I went to purchase an order that was {$840.00} and was asked for {$490.00} down, which was available in My Account, went to complete checkout and the order was blocked stating " unable to complete '' after being lied to by a Servicing rep who could not explain earlier why a cheaper order was approved and told me the reason, gave me the paydown amt and blocked the order.
Product: Debt collection

This company has been contacted by my attorney numerous times, in writing stating that two of the accounts they continue to show on my credit report are included in a bankruptcy and need to be corrected yet they continue to report these accounts as being correct on my credit reports. I have tried to contact them by phone since they still refuse to remove the accounts but no one will return phone calls. They show on my credit reports as a medical bill but I was never given copies of the bills they are attempting to collect on.
Product: Credit reporting or other personal consumer reports

I had a JPMCB Card from Chase that was closed with a balance of {$15000.00}. The account has been reported on my credit report as " charge off ''. On XX/XX/2023 I mailed Chase a check " XXXX '' for a {$100.00} asking for them to settle my account and remove it from my credit report. They cashed the check and still did not remove the account from my credit report. So I want it done as the reason for me to pay them as in return to have the account removed from my credit report and settle the balance for good. I have attached a copy of the letter as well as the check and proof it was cashed.
Product: Debt collection

Reference complaint XXXX in which XXXX attempted to collect a debt from me. XXXX is now attempting to collect a debt with a similar balance and referencing the same paypal credit account # XXXX. COMENITY CAPITAL BANK continues send this information to collection agencies to attempt to collect this debt which I do not owe and have no knowledge regarding.
Product: Debt collection

In XX/XX/year>, i was told by the property manager that she will send me a report in regard to my deposit balance. Instead, she sent me to collections.
Product: Credit reporting or other personal consumer reports

XXXX has failed too fulfill its legal obligation under the Fair credit reporting act FCRA too conduct reasonable reinvestigation of disputed Information on my credit report leaving inaccurate unverifiable accounts unresolved the consumer financial protection bureau cfbp has recently filed a lawsuit against XXXX alleging systematic failure such as failing too forward consumer provided evidence too furnishers accepting unreliable responses and failing too adequately notify consumers of dispute outcomes these failures align with my experience where XXXX has neither corrected or removed disputed items I provided causing on going harm too my credit standing I am requesting immediate corrective action too remove or amend disputed accounts as XXXX inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

Around the first week of XX/XX/XXXX, we received XXXX letters regarding some products and services with Wells Fargo that we NEVER knew or had any business with. They sent XXXX small checks for interference and any bad causes they may have. They promised that we would receive the checks in 30 days. Well, that never happened. It took over XXXX months for us to see all XXXX checks. 

Here recently, we got more letters with Tracking Numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spoke with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and she advised that for the inconvenience and wrongful transactions, Wells Fargo will mail out an additional XXXX {$1000.00} checks, each tracking number. XXXX stated that on tracking XXXX XXXX we needed to speak with XXXX XXXX XXXX XXXX XXXX XXXX 

Well, I did speak with XXXX many times, and for some reason, we went back and forth trying to connect with my Wife so she could ask her any additional questions she needed. 

Here is the BIG problem we had with XXXX XXXX ( Wells Fargo Agent ) : how rude she was and how she hung up on us on XXXX XXXX XXXX XXXX XXXX XXXX  needs to be coached or fired from her post. 

We are trying to settle tracking number XXXX, my Wife 's case, with the XXXX XXXX. 

I would appreciate it if a supervisor could call me directly XXXX XXXXXXXX. 

That is why Wells Fargo is making the news, being sued, and getting closed out. They are not doing the right thing, and they are making illegal transactions to meet their bottom line.
Product: Credit card

The welcome bonus promotion was for XXXX points - I met the criteria on XX/XX/year> but never received the points. Here is the information from the Barclays page : Earn XXXX XXXX  miles after your XXXX  purchase, less credits, returns, and adjustments, XXXX XXXX within the first XXXX  days after account open date. 
Congratulations! You have earned your Welcome Bonus. 

Purchases XXXX out of XXXX Date Earned : XX/XX/year> Important Information : The XXXX miles will be issued and reflected on the billing statement after you have qualified to earn the bonus. Please allow XXXX weeks for the XXXX miles to be deposited into your XXXX  account.
Product: Credit card or prepaid card

On XX/XX/2023 I mistakenly purchased a XXXX silver bar with an autopay feature on XXXX using my capital one credit card in the amount of {$130.00}. When I realized happened About XXXX minutes after the fact I requested a cancelation because I was exceeding my limit on my credit card and did not want to use that card. After I requested a cancelation I immediately requested a return without the item being shipped. Hence not having possession of the Item yet. I then reached out to the seller informing him of the error and asked him to cancel refund the purchase prior to the item being shipped. The seller did not respond. Nor did XXXX. And 3 days later XXXX closed my return and didn't reach out to me as to why. I called XXXX 3 times and they finally said they closed it because I never returned the Item. I explained to them that I made the cancelation/return request immediately after I realized the purchase was made but they refused to help me. When the Item finally Arrived on XX/XX/2023 it was an Empty Envelope with a slit at the top and taped over like some one stole the contents prior to arrival to my residence. I believe it was either the seller or some one at the post office who committed the crime. I took pictures and sent them to the seller informing him and still got no response. I then reached out to Capital one and d informed them of the situation and disputed the charge. they temporarily put the funds back to my account then a week later put them back on my account. I then disputed again with documentation showing and explaining to them the situation and yet they still will not take action when I've been defrauded and stolen from. I'm also in the process of filing a police report as a result. As Tampering with mail is a federal offense. I'm hoping you can step in and take action in regard to this.
Product: Credit reporting or other personal consumer reports

I recently disputed with all XXXX bureaus this fraudulent XXXX XXXX account that was opened in XX/XX/2017 that I recently discovered and shows XXXX different balances of {$5300.00} and {$4300.00} which does not belong to me. This account was removed from my all XXXX bureaus and then re-added to my XXXX Report. I have submitted my Identity Theft Report to all bureaus and this should not have been re-added to my report as this violates my rights under the FDCPA. This account is not proven to belong to me and in fact does not.
Product: Mortgage

Mortgage Solutions financial has sent us a letter notice of Acceleration. we are behind three plus late charges on are mortgage. They have sent more then 12 letters stating we could refinance, modify or payment forbearance on are loan. we have asked for all of these and every time they say NO. Why even offer things if all you do is say NO. We have over $ 50,000.oo equity in the house but no one can loan us any money because of behind on mortgage. There us taking are house to get more money then is right.
Product: Checking or savings account

I opened an account with Citibank. The promotional bonus was for opening a new Checking and savings account with {$15000.00} and I would receive a bonus of {$400.00}. I waited the 60 days then another 90 days for the funds to be credited to my account. I followed all the rules and regulations. I was told the extra 90 days was over on XX/XX/2018. Then I was told they did not know why I did not receive a bonus yet and that they would check. They then told me over the phone and over their online chat support that I would receive it on the XXXX then the XXXX of XXXX. On the XXXX and the XXXX of XXXX a representative told me they would put in an inquiry into what happened with the promotions department. I called on the XXXX and the rep told me she did not know why it was taking so long and that she could not give me an explanation. I have called about 10 times or more and can not get this resolved. I do not know why they are doing this and fear it might be some type of discrimination. 

This is a very deceptive and predatory prate. My money has been in that account now for 6 months receiving a very small interest rate. I could have opened with another bank and received a better interest rate so now I am also missing out while I am waiting. Please assist me in Dealing with CITI Bank they are very unfair and unhelpful. 
Although it was not a requirement I enrolled in paperless e-statements yet they continue to send via mail at times. 

I am afraid they are doing all these things intentionally to avoid paying the bonus.
Product: Credit reporting or other personal consumer reports

JP Chase has for over 3 months lied to consumer finance.gov and myself over a fraudulent attempt at opening a credit account. 

They have admitted to the fraudulent attempt at credit and said ( in writing on this site ) that they would fix the problem but would need time. 

After doing some research and talking with all 3 credit bureaus, they answer they gave here ( case XXXX ) turned out to be a complete fabrication and 90 days were not required. 

Regardless, the 90 days has come and gone and Chase has STILL not removed the fraudulent credit inquiry from my credit report and is pleading ignorance now ( again refer to case XXXX ) Chase should be held liable for this blatant abuse of the system and its way of retaliating against consumers who dare question them. 

I have been trying for over 3 months for them to resolve this issue and they refuse to do so, even after saying in writing this would be resolved.
Product: Debt collection

Hey its been a year since I've tried disputing these fraudulent student loans. I have been harass many times for some loans that I am not aware of! I feel threaten for my life! I do not want to be pressure in paying for something that I dont know about. The only response I get that its been verified. I want to know who verified it? I need to see signatures that I borrowed loans from these people. Because I never did business with them. Please remove these loans! By law if there is no proof of verification the items most be remove. Stop harassing me for something I dont owe.
Product: Credit card or prepaid card

To who this may concern : My name is XXXX XXXX. I would like to.fe a charge against citi bank. 

I received my credit card and there was a block on it to verify information. I contacted them and was asked to give my brother social security number and my sister which I found suspicious. I did give them so I can have my card back and still they did not release the block. In addition, the representative XXXX and than XXXX continued to ask for other out sources information like my sister in law phone.number. non of these people ate on my account. I believe citi bank violated consumer privacy and unethically stoled my family information. Am so stressed. 
Please help XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Paid for extra gap insurance @ XXXX and paid for extend service warranty @ XXXX To Us Auto Sales , Inc loan was acquired by Westlake portfolio management who said they will not be honoring neither of those services and that they could not refund any payments to date or future payments on that this was on XX/XX/2023 when Us Auto Sale all of a sudden closed their doors with no written documents or warning of closures or distribution of contracts written by them it has not been easy trying to make payments to Westlake portfolio management either I have all of the contract that was signed up on and I am still being charged for that extra gap and warranty to this day and can't use any of it.
Product: Payday loan, title loan, or personal loan

I received a loan from Northcash and was not disclosed the interest rate, only the finance charge on the phone. This was a minimal amount. My signature was forged through electronic email. I asked repeatedly to pay the loan in full, which continued to increase. I researched the company and found out this is a payday loan, which in the state of NJ is illegal, however this company claims to be a Native tribe on Sovereign land, which if the consumer does not agree to the terms or to continue the loan, it must be cancelled. Once the information was received, my identity was compromised which resulted in numerous bank fees and credit holds and issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request three credit bureaus to remove/delete deragoratory credit information from XXXX XXXX and two XXXX XXXX XXXX   accounts based upon Federal Truth in credit reporting act from FTC with supporting papers of prior and current disputes in court and medical defense as treated like absentee and manipulation done in bad faith. Letter Attached of complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report and letters dated XX/XX/2022. Since it is a necessity by regulation 605b of the FCRA I'm sending again 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs to be disputed/deleted in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXXXXXX Balance -, XXXXXXXX XXXX XXXX  XXXX XXXX
Product: Checking or savings account

I have been with Wells Fargo for over 22 years. I went onto the mobile app today and saw one of my accounts were closed without notice. So I called them and they confirmed they never sent out any notifications and just closed it on XXXX XXXX. They also said they can't reipen it. What options do I have? I know closing accouts affects a credit score and this was wrongfully closed. They said it was due to inactivity but if I was notified I could have transferred money into it. Please Help!
Product: Debt collection

This alleged debt was removed from my credit file 3 years ago and reinserted without giving any notice as under the FDCPA SAYS IM SUPPOSED TO GET.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number : XXXX  has violated my rights. Or a 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 or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

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

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in Covid foreberance. I understood first month would respite late but didnt know for 11 months. It doesnt indicate I was in forbearance. So it looks like I didnt want to pay my mortgage. Now I cant even get an apt
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theift and the inquires listed below are a result of the identy theift XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from  XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX   Inquiry from XX/XX/XXXX
Product: Credit card or prepaid card

I have a Sapphire Credit card account with Chase Bank. I called chase bank on XX/XX/2020 ( one week before the due date of payment ) ; to pay about {$1000.00} of the balance ( about {$3000.00} XXXX, and to freeze the interest, as part of your Covid-19 assistance program, they confirmed this. However, in the next cycle, on XX/XX/XXXX, I found interest charges of {$53.00}. 
I called the customer services and filed a complaint to the executive office about my concern, and to refund me the interest. But they refused and claimed that the support is only to defer the payment of the minimum payment ( about {$80.00} XXXX without fees, but the interest still applied. I explained to them that I never asked for deferment of the payment, and on the other hand, I told the bank that I am paying {$1000.00}, which is 12 times the minimum payment ; and it was clear and affirmed by the customer services agent, that they will not charge me any interest. However, they did charging me {$53.00} on XX/XX/2020.
Product: Student loan

I have two consolidated loans that I am paying off. I took them out with XXXX XXXX and started paying them back late XXXX or early XXXX. Navient took over these loans in XXXX I believe. I have automatic payments since payback period took place and have never missed a payment. I look at my statements every month to see the total slowly going down. In XXXX of XXXX my statement said I owed {$49000.00} and previous statements showing this total going down each month. My XXXX statement said I owed {$52000.00}. {$3300.00} was added to my loan and I ca n't get an answer as to why. I have been paying back this loan for almost 9 years and now extra interest is being added on and Navient keeps giving me different answers. It has been 4 months since I 've started my inquiry. I have had 4 chat conversations of which I 've saved and 3 phone conversations. Every time I get a different reason as to why with no solution. In the end they tell me they are going to send it to their research team and I should hear back within 14 days. I 've heard back twice with a form letter explaining how interest works and a second letter saying Navient took over my loan from XXXX XXXX. Neither of which answers my question as to why after almost 9 years of paying back my loan they added interest of {$3300.00}. I talked to a supervisor yesterday who ca n't explain it and again she said she 'll send it to the research team. I do n't know what else to do. I received two answers saying my graduation date was changed in the national student database of which I then had XXXX University correct it. That did n't solve it. I 've had them say they do n't see an issue even after showing them my monthly statements. I 've had them say I was on an interest only paying loan which is n't the case when you look at 9 years of payments. I 've had them say it was on a 2 year graduated repayment loan of which I said how can that be since I 've been paying this back for 9 years. I 've had them say my last 9 years of statements were wrong and now it is right. I ca n't get a straight answer and it is obviously because they do n't have one.