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

On XXXX, I had a brand new credit card stolen from my apartment building and used locally that day. Then on XXXX I started receiving numerous alerts from my credit monitoring service that different bank accounts and credit card applications were attempted to be opened up using my information. I started to put an account freeze on all credit bureaus. After I did all XXXX, I also called and spoke to each to make sure the freeze went through on all and to let them know about the fraud. It seems like both experian and XXXX took care of it, but now equifax won't take care of the Inquiry from an account name XXXX on XXXX that is on my report with them unless I do these extra steps. That is NOT MY INQUIRY and is 1 of the several that were initiated on that same day. 

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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card

Barclay Credit card offered 0 % in 18months financial to purchase my laptop. After 18months passed I could n't paid off, they charge me interest close to 30 % based on original purchase price retroactively. Suddenly I saw close to {$1000.00} interest charge over {$3500.00} laptop. They claimed " Deferred Interest Financing '' in written in the contract but not clearly explained at signing. I thought my interest will e charged on unpaid part after 18 month promotion is over. XXXX time i saw " Deferred Interest Financing '' in the communication was 5 month later email after I signed. Even that email, it was very graphically miss leading not clearly explained what exactly mean by " Deferred Interest Financing '' under fancy graphical " New Tool '' interfaces.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION, XXXX, and XXXX is posting old information on my credit report. I have made several attempts to settle the matter and TRANSUNION, XXXX, and XXXX have ignored my notices. As of today, XXXX/XXXX/2017, i have several inaccuracies listed on my credit report and old information that should be removed according FAIR CREDIT REPORTING ACT and statue of limitations. My character is being damaged and the Credit reporting agencies is making it very difficult for me to obtain new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was negligible in protecting my credit information
Product: Credit card or prepaid card

Amex credit card incorrectly charged me {$280.00} in 2018 but it was not from me but from someone else as I had not used that card for quite some time. I told them and their collection agency so many times but Amex still insisted to report this fraudulent activities under my duty to pay. This is unfair. I always paid all my actively used credit cards and mortgages without any delay ( avg. > {$5000.00} ) except this particular one from Amex fraudulent transaction. Could you please help me resolve this and so my credit score can get back to the excellent level?
Product: Mortgage

I am in the process of purchasing my first home. On XXXX XXXX 2016 I received the Closing Disclosure for my mortgage application. The Closing Disclosure indicated a change in the " Calculating Cash to Close '' section in the " Adjustments and Other Credits '' line item. In the Loan Estimate I received on XXXX XXXX 2016 this line item indicated " {$0.00} '' and on my Closing Disclosure it indicates " {$840.00} ''. 

While I was prepared to absorb some additional cost this was a shock. Section K of the Closing Disclosure I received indicates this adjustment is due to " Items Paid by Seller in Advance '', specifically prorated Town/County Taxes. The prorated taxes for the seller are required to be disclosed on both the Loan Estimate & the Closing Disclosure in accordance with 12 CFR 1026.37 & 1026.38, however, were not included on the Loan Estimate I was provided. 

Since the Loan Estimate I received was non-compliant with 12 CFR 1026.37 ( h ) ( 1 ) ( vii ), and the official interpretation in Supplement I ( XXXX ), it does not seem fair, and possibly illegal, for USAA to require me to pay for an adjustment that was not disclosed on my Loan Estimate. The seller is certainly entitled to prorated repayment of their property taxes, however, the lender should pay at this point in the process since the closing date was already established when I received the Loan Estimate. The lender certainly had enough information to estimate this cost and they did not, waiting instead until we are within a week of closing and putting us in a very difficult position, it feels like we are being extorted. 

The above situation is my primary concern. It is also worth mentioning that the difference in estimated Cash to Close between the Loan Estimate and the Closing Disclosure appears to just be an increase of 7 %, however, it is deceptive of USAA to present this information in a way that makes their initial Loan Estimate for Cash at Closing seem even remotely accurate. By their calculations it appears the Cash to Close only increased by {$130.00}, however, this is only because the seller agreed to pay an additional {$1000.00} closing costs. When this correction is accounted for the actual increase in Cash at Closing increases by approximately {$1200.00}, this is a 69 % increase on the Closing Disclosure above their original Loan Estimate.
Product: Mortgage

I never received my statement last month so I called them to send another they did three days later still had two weeks to get to them not processed until I asked about two more times they then found my payment the day after it was late!! I kept telling them not to put a late fee on it they tried to force me to pay online or phone but I had sent the check and would have been overdrawn at my bank they said ok no late fee kept pushing to pay online I sent my XXXX payment same day and they got their payment in three days this took two weeks and charged me a late fee and shows on my credit refused to fix it and this month didnt get my statement until XXXX/XXXX/2030 they refuse to work with me and are ruining my credit and charging me late fees pushing me to pay online I have names of who I talked to dates etc using the excuse its the post office everytime funny XXXX got their payment in three days
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Consumer Loan

My father purchased a XXXX XXXX XXXX Pickup from XXXX XXXX XXXX in XXXX, TX on XXXX/XXXX/XXXX. My father was XXXX XXXX XXXX at the time he purchased the pickup. He traded in a XXXX XXXX XXXX pickup. Apparently, my late father did not attempt to negotiate with the dealer and paid full price. They gave him less than half of what XXXX XXXX XXXX says was the trade in for the XXXX XXXX pickup. Additionally, they sold him extras that were included in the financing. My father passed away on XXXX XXXX, XXXX so he had the truck less than one year before he died and he died owing Ford Motor Credit approximately {$32000.00}. My dad was making truck payments of {$690.00} per month which my sister and I do not intend to pay. Ford Motor Credit has not been at all cooperative. I took the truck to a local Ford dealer for an appraisal and they gave us an appraisal of {$25000.00} so there is a shortfall of approximately {$7500.00} between what the estimated value is and what he owed when he passed away. Ford Motor Credit insists that they want the full amount of {$32000.00} in spite of the appraisal of {$25000.00}. My fathers estate will take in the range of XXXX or three years to close. Ford Motor Credit called our probate attorney and said they would pick it up and take it to auction. Our concern is that they may sell it at auction for far less than the {$250000.00} then come back and expect us to pay the difference in three years when the estate closes. We offered to try to sell it for what it is worth and give them that amount with the expectation they would write off the rest. I feel this would be more than fair because I believe both XXXX XXXX XXXX and Ford Motor Credit may be guilty of something like elder abuse. They took advantage of an XXXX XXXX XXXX man whose health was failing. No, he would not have admitted that his health was failing and he was still handling his affairs. However, his mental capacity was diminished. Otherwise, he would not have paid full price for the truck and taken such a small trade in on his XXXX truck. I will also be writing letters of complaint to XXXX, my XXXX and the State of Texas. Ford Motor Credit has been pushy, unhelpful and uncooperative. They are treating us the same as they would someone who had taken out a loan and was n't making payments. In fact, even someone who no longer had the ability to make payments due life circumstances should be treated better. They should be working with us, not telling us what they want and what they will do whether we like it or not. Feel free to share this complaint with Ford Motor Credit and again, this complaint will not be my only effort to reconcile our grievances with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated
Product: Checking or savings account

Contacted support line to request closure was told the account had to be reactivated to be closed this was agreed to. Acct was then closed and check issued to company name that currently has no open account. Called and spoke to XXXX people spending XXXX hour trying to get check reissued was told can not do must go to bank currently i am at the bank being told i cant have the check cashed directly to me unless i have an open account and that they can not issue a new one.
Product: Checking or savings account

XX/XX/22 I received an email about an account being opened. I did NOT do this. I attempted to call customer service. You can NOT reach a person unless you have an account number. I did not have an account number because I did NOT open an account. After attempting to reach a person on the phone for hours while I was at work, I then went to a physical branch. The woman who greeted me took lightly the situation an laughed it off. She stated Oh, we dont handle that here. Youll have to call the fraud line. I explained to her that I could not reach anyone on the customer service number. To please find a way to help me. She stated again we dont handle that here. She wrote a XXXX # down. While doing so I asked would you be able to tell me what information was used to open the account? The woman chuckles once more and stated oh your social. Definitely your social. I asked if I could call the fraud line from one of the phones in the bank. The woman allowed. Walked me back to an conference room where I dialed the XXXX number given to me. The automated voice that answered the phone again would not let me further without acct info. After pressing XXXX, # a few times it finally said please hold while I connect you. Spoke to a man. Explained the situation. He found the account after asking my name and birthdate. He stated Ive marked it as fraud and closing the acct. I asked to clarify you are closing it? He stated yes. He said I would get something in the mail confirming that it was closed. ( I received nothing but XXXX bank statements ). In XXXX I received the first bank statement. I immediately called the XXXX # again. Now that I have a statement I have an acct #. I got a representative much quicker. Spoke to a woman. I explained that an acct was opened in my name as fraud. I did not open this acct. it was supposed to be closed the next day. Its a month later. Long enough to be getting a statement. Why is the acct not closed. The woman stated that since there were no funds in it that the statement was jus to show me theres nothing in the acct. she then assured me that the acct was closed. It is now XXXX. Im receiving the XXXX acct statement. This account should have been closed in XXXX. I shouldnt have an acct statement that reads anything past XX/XX/XXXX. But I have 2 months of account statements for an account that I DID NOT OPEN. I have alerted BANK OF AMERICA about it more then once. I even took to social media to try an get answers. They have by far the worst customer service on both the phone and in person. The woman chuckled when I explained someone opened a bank account in my name. Thats a scary thing and she took it entirely too lightly to be a bank employee. I need the account closed immediately before whoever opened it realizes and does more damage.
Product: Credit card

Comenity is purposely misleading and lying to the consumer about Terms of closing a account, the obligations, and create gaps to ensure that the consumer will have to pay more even after account is closed. It small amounts that they charge. But over the total consumer population size. It drastically most likely brings more money in. 

In XXXX. I paid the full amount to close the account out. Comenity said there was nothing left to do. 

XXXX I got an email from Comenity XXXX XXXX that I owed a late fee. Already this contradicts what they said to me in XXXX XXXX 

I called the rep after seeing this email. The rep said she was waving the fee and nothing further needed to be done. ( But when I called in XXXX there was not record of this ) Now in XXXX i get another email This time the amount has gone up. They also charged me interest fee. on top of this XXXX dollar fee plus late fee on top of this late fee. I mean when an account is closed it is closed. And they have lied on multiple steps. Researching on the web this has been a thing the XXXX XXXX has done to many other consumers. 

Also if you pay the amount due by the date and time, which they say they honor. It is nor processed. They will apply the orginal amount and top the interest amount of that. 

It is really seriously evil credit card tactics. And definitively need to be investigated. 

It is really petty theft that in turn is completely taking advantage of consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute # 1 XXXX/XXXX inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. Banks and XXXX XXXX  XXXX 's phone number XXXX Dispute # 2 XXXX credit card company phone number XXXX XXXX XXXX , Florida XXXX Inquiry date XXXX These two inquiry showing on my XXXX consumer report are both fraudulent I did not consent to these inquiries they were done against my will and knowledge
Product: Credit card

On XX/XX/XXXX, Chase Visa card was used to pay an {$8000.00} deposit towards a car engine with expected delivery date of XX/XX/XXXX. 
On XX/XX/XXXX, the merchant was contacted for an update on delivery. Merchant ( XXXX XXXX XXXX XXXX, XXXX ) dissolved its business in California on XX/XX/XXXX. No notice was provided to customers. The store front is closed. Emails dont work, phone is disconnected. The product was never received. 
The credit card has been paid in full. Chase bank refuses to provide chargeback to account. Cardholder not put on notice of potential claim dispute until XX/XX/XXXX. Action was taken with Chase bank immediately. Chase bank refuses to assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX in XX/XX/XXXX in regards to the incorrect late payments reporting to XXXX, Experian, and XXXX. I spoke with representative XXXX, and explained to her that the late payments that are reporting were during the time I was enrolled in school and/or in a deferred state. There is no possible way that I could missed a payment that I was never set up for. She agreed and confirmed that ALL of the late payments will be deleted and removed from my accounts. Over 30 days went by and I received an updated copy of my credit reports from XXXX, Experian, and XXXX. The late payments were still reporting and had not been deleted. I typed up a letter explaining everything that I had previously explained to XXXX. I also explained that I was told that All late payments would be deleted and removed over 30 days ago but they were still there. I mailed the letter off along with copies of all three of my reports certified mail with a received receipt included. According to the receipt the company received my letter on XX/XX/XXXX and I still have not gotten a response. These incorrect late payments are affecting my credit file/score tremendously. I have attached the letter and the receipt.
Product: Credit reporting or other personal consumer reports

Subject : Request for XXXX XXXX XXXX - Compliance with XXXX XXXX Code XXXX and Other FCRA Provisions I am writing to you as the holder of account number XXXX XXXX  XXXX Account Number : XXXX XXXX for my XXXX XXXX, to report an issue negatively impacting my XXXX XXXX This issue appears to be in violation of the provisions of XXXX XXXX Code XXXX and other relevant sections of the Fair Credit Reporting Act ( FCRA ). According to XXXX XXXX XXXX XXXX, creditors must send periodic statements, including all information required by section XXXX ( b ), at least XXXX days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. Additionally, the FCRA, specifically sections XXXX XXXX Code XXXX and XXXX XXXX Code XXXX, mandates that XXXX XXXX XXXX and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. I have identified that the statements for my XXXX XXXX have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my XXXX XXXX. This non-compliance has adversely affected my XXXX XXXX Furthermore, I would like to refer to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which establishes that XXXX  must ensure timely delivery of statements to avoid unfair penalties to consumers. I formally request that you investigate and correct any inaccurate information related to these late payments on my XXXX XXXX. Below are the details of the affected payments : I am attaching a letter showing that the XXXX did not respond to me within the XXXX period, in which I formally request that detailed proof be provided to me regarding this specific item. '' [ per XXXX XXXX XXXX ( b ) ] which has been adopted to ensure that each periodic statement is mailed to me ( the consumer ) no later than XXXX days before the payment due date. Also include all information required by section XXXX ( b ) of XXXX XXXX. Date of reported late payment : XXXX / XXXX XXXX, XXXX XXXX
Product: Credit reporting

Previously deleted items were added onto my credit report without prior written notification. Per FRCA section 611 all items must be removed. 

Inquiries : XXXX XXXX XXXX/XXXX/14 XXXX XXXX XXXX/XXXX/14
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA, in order for you to furnish the alleged US BANKRUPTCY COURT you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the creditor to furnish this information and have previously communicated with through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the XXXX XXXX  credit reporting agencies and the minors such as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with XXXX Bankruptcy XXXX I also confirmed with XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law. 
Having the abovementioned information, Experian and XXXX is violating my federally protected consumer rights. In addition to that violation, you are also committing fraud since you claim to have verified this bankruptcy, but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and 15 U.S. Code 1681a ( 4 ) right to privacy was violated I DID NOT give you neither direct nor indirect permission to furnish my information. 
I am hereby demanding this entry be permanently removed from my consumer file within 30 days from the day you XXXX  this letter. Should you choose to be negligent in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against Experian and XXXX. 
I've also attached a copy of XXXX XXXX stating that the bankruptcy account is not listed with them which you verified that it was. I demand it be removed now because its not have been verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

And according to the fair credit Act the list of accounts Below have violated my federally protected consumer rights under the 15 us 1681 Account Name : 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 subsection 602a States I have the right to privacy subsection 6:04a section 2 it also States a consumer reporting agency can not furnish an account without written submission