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

1 ) American express used a bait and switch deceptive marketing technique and increased fees from 0.2 % to 3600 %. More details : 2 ) They originally offered about 0.2 % fees for paying a charge over a 3 month period. For example, if I purchased a {$1000.00} appliance, I will only pay a total of {$1000.00} in total. This total is divided by 3 and paid as {$330.00} in 3 monthly installments with no other fees or interests. 
3 ) Later, from this month ( XX/XX/2020 ) onward they 'removed ' the 0.2 % fee and offered 36 times the original fee and a minimum of 9 months. That is, the same {$1000.00} appliance will cost {$1000.00} in total. They are also trying to circumvent the interest rate laws by calling both the ( 0.2 % and 3600 % ) charges as 'Plan fees '. 
4 ) I have attached screenshots of American Express Website to  corroborate all of my above statements, showing the following amounts along with my calculations as detailed below : 4a. Old Plan Fee/ Principal amount = ( XXXX ) * XXXX = 0.2016 %. 
4b. New Plan Fee / Principal amount = ( XXXX / XXXX ) * XXXX = 7.344 %. 
4c. Difference = XXXX = = XXXX times = 3642 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Identity information had previously been compromised and used to open several accounts and inquires without my permission. This XXXX of them and is a fraudulent account. 

Automotive Management XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX auto loan XXXX opened- XXXX I 've currently submitted an identity theft report to The Federal Trade Commission as well as disputed this account with XXXX credit bureaus.
Product: Checking or savings account

I lost my chase account after losing basically my personal life. i lost chase debit cards, my ID and a XXXX and XXXX that had many important information. I don't have accuses to my chase but my account was negative around XXXX i called reported everything and the next day my account went back to normal. another date my account is negative XXXX and something dollars and i call to see what happen and after hours upon hours of calling and trying to fix my issue they close my account with no reasoning. My name is XXXX XXXX i was a chase member since highschool and now i'm struggling more than ever without an bank in college. this happen around the beginning of XXXX and ended around XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian several times about a false reporting on my credit report. I dealt with XXXX trying to collect a debt with me in error and worked it out many years ago, however Experian is continuing to report the false account. I've reached out to them many times already since XXXX of 2020 and am being ignored. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I tried purchasing XXXX XXXX XXXX concerts on XX/XX/2023 and the mode of payment was Zelle. I paid through my local credit union who offers Zelle & once I realized I got scammed, my credit union and Zelle did not want to refund my money. I lost {$690.00} of hard earned money.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved
Product: Credit reporting or other personal consumer reports

I sent a letter to Experian requesting full disclosure pursuant to 15 US Code1681g ( a ) ( 1 ) on XX/XX/2024 to all accounts listed. I clearly stated that I did not want another copy of credit report and that is what they sent back to me.
Product: Debt collection

XXXX filed a debt collection notice on my credit report that appeared today XX/XX/2022 and to date, I have received ZERO notices of this alleged debt. I am happy to pay it, but it needs to be removed from my credit report and the proper communication channels should be followed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Transunion how did the verify my dismiss XXXX they said that they verified through a 3rd party!! I called the court they said that they dont release information.
Product: Student loan

This has to do with my Sallie Mae Account, I was going through financial hardship in XXXX from the months : XX/XX/XXXX-XX/XX/XXXX ... and unfortunately i was unable to make payments to this account for a few months. I was unfortunately laid off from my employer and was going through a very difficult period of time financially. I took hits that have followed me to this day and I have spent my HARD earned money properly educating myself about credit and the importance of maintaining good/healthy relationships with banks. Since i was able to get back on my feet and on the right track, I have made CONSISTENT payments every single month on time and will continue to do so from this point on. I am asking to receive forgiveness from Sallie Mae from the late payments in : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ... I plan to continue to maintain a good borrowing history with them, but these negative remarks are holding me back in general.
Product: Checking or savings account

On XX/XX/XXXX, I was charged {$70.00} for something related to a car rental. I absolutely did not authorize this charge. XXXX does have my card on file. I can guarantee that XXXX did not get proper authorization from me or XXXX to charge my card. 
I disputed the transaction with Chime as soon as it posted. They denied my claim on XXXX without details. I responded asking for documents used and a rebuttal form. They said I had to wait 5 days to request a rebuttal. In 5 days, I requested the documents and rebuttal again. I received no response. I supplied my additional information on XXXX and XX/XX/11. 
I received no response until XX/XX/11. Then I got the same letter I got when the claim was initially denied. No merchant documents and no rebuttal form. This has now happened 3 times. Chime has no right to deny my claim. Merchants are required by XXXX and XXXX to request and receive proper authorizations for charges. That was not done here.
Product: Debt collection

I received notice of a Collection on my XXXX  Credit Report from Credit Corp Solutions in 2016. I never received any contact from this company notifying me of the debt or that they were going to place this on my Credit Report. In addition, it is factually incorrect. Therefore, I disputed the debt online with XXXX the debt and I asked that I be provided with a Signed Contract and Verification and Validation of the Debt. I received nothing from either Credit Corp Solutions or XXXX, online or in the mail, simply a statement on my Credit Report saying that Credit Corp claims it is correct without providing any proof. I want to see a Signed Contract and receive Verification and Validation of this Debt, or have it removed from my XXXX   Credit Report. I am XXXX years old, my only source of income is Social Security XXXX for XXXX XXXX and other Health Issues and this is harassment.
Product: Credit reporting or other personal consumer reports

I just recently looked at my XXXX credit report XX/XX/2024. I saw some hard Inquiries that did not have permissible purpose. I also attached evidence XXXX XXXXXXXX XXXX XXXXXX/XX/2024 this inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681B XXXX XXXX XXXX XX/XX/2024 this inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681B
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, one of the three major consumer credit reporting agencies, said on Thursday that hackers had gained access to company data that potentially compromised sensitive information for 143 million American consumers, including Social Security numbers and drivers license numbers.
Last year, identity thieves successfully made off with critical W-2 tax and salary data from an Equifax website. And earlier this year, thieves again stole W-2 tax data from an Equifax subsidiary, TALX, which provides online payroll, tax and human resources services to some of the nations largest corporations.
My complaint is after being hacked twice Equifax on Thursday XX/XX/XXXX did not improve its security practices after those previous thefts, and they noted that thieves were able to get the companys crown jewels through a simple website vulnerability.
Criminals gained access to certain files in the companys system from mid-XX/XX/XXXXto XX/XX/XXXX by exploiting a weak point in website software, according to an investigation by Equifax and security consultants. The company said that it discovered the intrusion onXX/XX/XXXXbut failed to notify me via email, phone call or an alert from Equifax themselves since I am a member In addition to the other material, hackers were also able to retrieve names, birth dates and addresses. Credit card numbers for 209,000 consumers were stolen, while documents with personal information used in disputes for 182,000 people were also taken.
After the cyber attack, three senior executives, including the companys chief financial officer, XXXX XXXX sold shares worth almost {$1.00} million in the days after the breach was discovered. This sounds very fishy to me.
Using the data stolen from Equifax, identity thieves can impersonate me with lenders, creditors and service providers, who rely on personal identity information from Equifax to make financial decisions regarding potential customers.
So far, I checked if I was affected using Equifax 's website here : https : //www.equifaxsecurity2017.com/potential-impact/ And it said that I maybe one of the millions impacted by this cyber security breach. I feel very let down and very vulnerable after hearing this news, especially when it involves my privacy and personal information which can lead to identity theft or worse.
I also signed up for a 90 day Fraud Alert as well. I am also thinking about freezing my credit with all three branches, Equifax, XXXX, and XXXX I really thought one of the biggest credit reporting companies would be the safest place to put your trust in but I just feel violated and let down.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX and XXXX hard inquiries keep reporting double or triple in the same months I never checked until recently because I didn't think they mattered I have inquiries from credit cards I already have saying that I keep reapplying for them when I'm not it keeps showing that I'm applying for Mortgage services only on XXXX and not XXXX even though I'm not even trying to purchase a house I don't know how else to put a stop to this I keep trying to mail letters but nothing is getting done
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX account for months. Equifax and XXXX  have reversed them but XXXX is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Mortgage

My loan with Wells Fago was paid off on XX/XX/2016 loan # XXXX. I refinanced my FHA loan. Both the title company and Wells Fargo confirmed I would receive my current escrow balance of {$1700.00} in a check. I called WF to follow up on XX/XX/2016 as to when I would receive this check discovering the check amout was differnet from above. {$150.00} has held from the check amout in escrow to pay another month of Mortgage Insurance making the check amount {$1500.00}. 
{$450.00} was already collected on my Mortgage Insurance Payoff Statement ( 3 months- see attached ) I feel that I am owed the {$150.00} in escrow and I do not owe another month. 
Seems to me I am being charged a Pre-Payment Pentalty
Product: Credit reporting, credit repair services, or other personal consumer reports

As per the Fair Credit Reporting Act ( FCRA ), codified under U.S. Code 1681 et seq., I have identified an inaccurate medical account that has been reported by XXXX The inaccurate information includes incorrect dates, amounts, and other details that are not reflective of my actual medical history. This inaccurate reporting has had severe repercussions on my credit score and has hindered my ability to obtain financing and pursue my entrepreneurial aspirations. 
Under the FCRA, creditors and credit reporting agencies are required to report accurate and verifiable information. The inaccurate medical account has violated my rights under the FCRA, causing significant harm to my creditworthiness and financial prospects.

Additionally, as per the Fair Debt Collection Practices Act ( FDCPA ), codified under U.S. Code 1692 et seq., I am entitled to protection against unfair and abusive debt collection practices. The inaccurate medical account has been reported by [ Name of Collection Agency ], and their actions have resulted in the violation of my rights under the FDCPA.
Product: Credit reporting or other personal consumer reports

Hello, On XXXX XXXX XXXX XXXX I called XXXXXXXX XXXX at XXXX, or so I believed. I must have dialed the wrong number. I did not know I dialed the wrong number, at this time. I told the person I spoke to I needed information about me and my wife 's car loan with XXXX. That person said they would help me. It was only after the phone call did I release I was speaking to a shady company named XXXX XXXXXXXX XXXX XXXX XXXX XXXX ). The person on the other end asked for our Chase account and routing number. I mistakingly gave them this information. Again, I thought I was talking to a Truist service rep. They said they would send me a XXXX gift card. Little did I know they were signing us up for their fraudulent credit monitoring, discount network and magazine program. When I realized my mistake, I cancelled these services the next day. XXXX even gave me a cancellation number ( XXXX ). However, every month since then they have been taking money out of our Chase account. We are now having to do an account replacement to keep XXXX from taking any more money from us. I honestly believe XXXX is a predatory company. Can you help me? I have this info : ID XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX. Their phone numbers are XXXX, XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

I want to lift the Security Freeze on my Credit check with Equifax. 

I have an account with Equifax. 

I am unable to use the website or the app to log in to remove the freeze. This situation has been persisting now for over a week ( today is XXXX XX/XX/year> ). 

I tried the " Chat '' function on the website, and it says it will direct me to an agent, but this never actually happens. 

I then tried the telephone service to deactivate the freeze, but the IVR system becomes non-responsive mid-way through the process, so even this is not possible. 

Then I phoned the telephone support line, and wainted in the queue for a very long time and also was never helped. 

I am unable to refinance my mortgage without unlocking my credit freeze at Equifax, and this IS VERY VERY SERIOUS to me. 

I request that Equifax most urgently reaches out to me to resolve this issue. 

Also, I request most urgently that Equifax resolve their App and Website problems so one can use the services online - reliably.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint is a XXXX XXXX Police Report for proof that the following accounts and credit inquiries listed on my XXXX and Experian credit report are fraudulent and is the result of identity theft : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX Bank, XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XXXX XXXX XXXX XXXX XX/XX/XXXX. All of the accounts and credit inquiries are fraudulent, unauthorized and not my accounts or credit inquiries. Please review the attached XXXX XXXX Police Report. Police Report Case Number : XXXX. Please keep the attached police report on file.
Product: Debt collection

On XX/XX/XXXX at approximately XXXX the office of McCarthy McCarthy Burgess & Wolff contacted my mother on her personal cell phone about a " purported debt '' I owed. She asked them to quit call. They knew it was my elderly mother 's phone when they called. They had no reason to call that number were not given the number by me. She immediately stated the name of her company, which intentionally sounds like a law firm trying to make my mother think I was being sued. When my mother asked if she was a law firm she said, NO a debt collector. She is not suppose to be talking to my mother about debt collection. 

This is their tactic to embarrass me regarding the debt and harass my mother. They need to be punished to the fullest level that the law allows.
Product: Debt collection

I discovered a lien on my credit and after calling around for hours was able to find out that it was levied by the State of Ohio due to issues with filing in 2014. Reliant Capital Solutions was supposedly employed by the state to collect on this debt. Reliant Capital Solutions refuses to acknowledge that I have worked with the State of Ohio to resolve this issue and insists that I owe over {$2000.00}! In actuality, the State owes me {$160.00} for tax year 2014. XXXX ( refuses to give last name ) at Reliant treats me extremely poorly and refuses to acknowledge that I do not owe monies to the state. His only concern is when will I send him a check in excess of {$2000.00} to remedy the debt ( which I do n't even owe ). Please check with the BBB and run a XXXX reviews search to see dozens, if not hundreds of similar complaints. I believe reliant is a fraudulent company and they should be investigated. I guarantee they are breaking laws and praying on innocent people who do n't know better than to contest the claims of this company. Please investigate them and put and end to this extortion! ( I have attached copies of my 2014 XXXX and state tax filing to confirm my report. )
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit porfo ; ia with Equifax, I noticed inconsistent errors on my report. I have seen some one else 's credit profile and all their information. I noticed that the collection and hard inqurires on my report belong to this other individual with similar information. The last four of my social end in XXXX and I am seeing someone's report ending in XXXX. This is not okay that this company is merging two credit profiles with similar information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regards to compliant XXXX, i received a response from Experian on the Experian website saying that the alleged debt was in the rights of the Fait Credit Act. This investigation was not done properly nor is relevant to my complaint. The reason for the dispute is because the creditor has violated my HIPPA rights by providing me with personal medical information that I did not consent of sharing with my medical institution. when reaching out with the attached letter requesting information from the debt, I did not receive a response and it has been over 30 days. That is two violations. 
I received a bill from the creditor, XXXX XXXX XXXX, on XX/XX/XXXX in regards to Account # : XXXX. As allowable under the Fair Debt Collections Practices Act, I requested validation of the alleged debt from the creditor. 
I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization. withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I have requested full documentation of what the creditor received from the provider of service in connection with this alleged debt.
Product: Credit card or prepaid card

Citicards offered Balance transfer with zero interest until XX/XX/2023. However started to charge interest for every purchase you make with no regards to billing cycle and payments I make. For example if the card charged XXXX dollars XXXX XXXX  they will put 23 % for the amount on the date it was charged even when I am paying it off by the end of the month like I always paid this credit card. They claimed that in order for me to get back my end of month Grace period I have to pay the entire XXXX XXXX  back even when they took XXXX fees upfront for XXXX interest until 2023. 

No other credit charges interest for purchases which were paid within the billing cycle.