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

STATEMENT OF FACTS On XX/XX/22, I applied for the XXXX Preferred XXXX XXXX Card at the XXXX XXXX Main Branch of Industrial and Commercial Bank of China ( XXXX ) ( USA ) XXXX, which is located at XXXX XXXX XXXX In XXXX XXXX NY XXXX. At the point of application, I was told that the aforementioned card is accepted in 160 countries of the world, which is also outlined on a Web site of the bank at https : 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 XXXXXXXX My application for the credit card was approved due to my high credit score, and approximately six weeks after the application, I received the credit card by mail. 

During my stay in XXXX, XXXX, from XX/XX/22 to XX/XX/22, on multiple occasions, I attempted to use the credit card without any success. On XX/XX/22, I contacted a customer service of the bank at ( XXXX ) XXXX, and I was told by a customer service representative that my credit card had a system error that had to be fixed. He further explained that he anticipated a resolution of this issue within 24 hours, and he suggested to contact the customer service only, if I kept on encountering the same issue again. However, the issue was not addressed. 

On XX/XX/22, I called the customer service to communicate that the issue was not fixed, and I was told by another customer service representative that acceptance of my credit card was limited to the United States, XXXX, and XXXX XXXX only, and it would not work in any other country in the world. 


STATEMENT OF ISSUES 1. XXXX ( USA ) XXXX  was misleading in regard to acceptance of the credit card. I was told that the credit card was accepted in 160 countries of the world, which was also listed on the Web site of the bank. In reality, according to the customer service of the bank, the credit card works in two countries of the world ( the United States, and XXXX ). 

2. Based on my personal assessment, the bank is involved in unfair practice of limiting acceptance of its XXXX  credit cards that are issued to non-XXXX  customers of the bank with the purpose of discouraging non-Chinese Americans from applying for XXXX XXXX XXXX XXXX XXXX ( USA ) XXXX. This practice constitutes a highly XXXX business practice that discriminates customers of the bank, based on their XXXX origin.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX hard inquiries on my credit report from the same company : XXXX. The inquiries are 3 days apart.One in XXXX XXXX, 2017 and one XXXX XXXX, 2017. There 's also XXXX inquiry from Chase Bank USA on XXXX XXXX, 2017 that was n't approved. I have credit cards with chase but they 're old and there 's no reason for a new inquiry, especially if I was n't notified.
Product: Checking or savings account

I opened a checking account with Chase to take advantage of the bonus of {$300.00} if you have a payroll direct deposit. I am working with XXXX and part of my paycheck is directly deposit to Chase Bank. Currently, Chase has not given me the bonus because per representative the deposit was not showing as payroll check, instead it is showing as a transfer. I offer to send a copy of my paycheck as a proof it is my paycheck, but they declined. I felt they are not giving me a chance to prove it was a payroll check and is not willing to give the {$300.00} bonus. I spoke to several representative & manager, who advised someone will call me back in 2 hrs. I waited 48 hrs but nobody called me back. After calling them 4 times someone advise the case is closed. I conference the rep with XXXX XXXX, and our XXXX  confirmed it was a payroll deposit, but they still did not accept the verbal. Please help. This is a false advertisement of Chase Bank.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received notification through several credit monitoring services that I had a new inquiry on my credit report. Upon investigating through Capital One 's XXXX  Monitoring, I learned that Capital One had made a hard inquiry through XXXX on XX/XX/XXXX. I disputed the inquiry online through XXXX on XX/XX/XXXX and I also attempted to dispute the inquiry directly through XXXX the same day. XXXX told me i would need to get request a deletion letter from the creditor who had made the inquiry before they could dispute the inquiry. I called Capital One customer service to gather more information about the inquiry. Capital One told me they we're not able to see why my credit had been pulled and they " did not have that access and to call the credit reporting agency ''. The creditor who pulled my credit could not tell me why they had done so. Capital One 's website directly conflicts with this statement and says accounts and or inquiries done by Capital One can be directly disputed with them, however, they were no help via phone. On XX/XX/XXXX, I mailed two letters to Capital One explaining that I did not authorize a hard inquiry on my credit report and to please remove these as it was not done by me. These letters were sent to Capital One XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX Capital One Bank, ATTN : Loss Mitigation Dept, XXXX XXXX XXXX XXXX VA XXXX. I did not make a copy of these letters unfortunately before sending. Also on XX/XX/XXXX I froze my credit report with XXXX, XXXX, and XXXX. 

On XX/XX/XXXX, I received a notification that my dispute with XXXX had been resolved. Upon opening the report, it said the results are " inquiries are a factual record of file access and will remain on the XXXX credit file two years from the reported date of the inquiry. To repeat, I have not applied for new credit with Capital One. 

On XX/XX/XXXX, I received another alert from credit monitoring services XXXX XXXX XXXX and XXXX  ), the alert stated Capital One had pulled my credit report through XXXX. Again, this inquiry was not done by me. After receiving this alert I have placed an initial fraud alert with all three credit reporting agencies. 

I am worried my information has been compromised and a new account will be opened in my name. I have gone to extreme lengths to dispute this information and follow all the steps to protect myself. I have not received any help solving this matter from any credit reporting agency or directly from the Lender ( Capital One ), who has now pulled my credit twice with no explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX / XXXX and XXXX XXXX they removed XXXX XXXXXXXX but that made my credit score go down ever more when it should have went up since the identity theft account was removed the I'm also still waiting for the XXXX  account to be removed as I think it's been over 30 days police report has been submitted to them already but they dropped my score when in fact it should be rasing after the false accounts was removed
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was part of the data breach, and since then Ive been an victim of true identity fraud. I have unknown credit cards on my credit report from Navy federal credit union, discover credit card
Product: Debt collection

I fell into financial trouble several years ago. I got behind on my credit cards and one of them was an {$11000.00} balance on American Express. A law firm named XXXX XXXX XXXX ( now The XXXX XXXX XXXX ) in XXXX, Alabama contacted me about the debt over 2 years ago. XXXX XXXX is the lawyer I deal with. I agreed to a settlement and that he would draft my checking account every month for around {$400.00} until the settlement is fulfilled. He drafted the first payment and never drafted anything again. I never stopped payment on this and I always put money in the account to cover that draft. Now, roughly 2 years later I get served a letter that they have a judgement against me. I have complied with everything but this law firm has violated our agreement and has continuously XXXX  me.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEQUIUM ASSET SOLUTIONS opened a collections account for {XXXX} to my account and reported it to XXXX, XXXX, and XXXX on XX/XX/2022. The original creditor is shown as XXXX XXXX XXXX. I have no knowledge of this account as I have no purchase any services or good from XXXX in the last 10 years. 

I disputed this negative account on XXXX XXXX to XXXX and XXXX on XX/XX/XXXX but they will not remove it from my account. Only XXXX has successfully removed this from my account. THIS IS NOT MY ACCOUNT AND NEEDS TO BE REMOVED FROM MY CREDIT REPORTS!
Product: Credit card or prepaid card

After filing a previous complaint regarding the lack of communication or resolution on a dispute filed with BOA, I received a call from their Regulatory Complaints department. They gave a deadline of XX/XX/22 to respond for them to investigate the original claim, but gave a phone extension that doesn't work. There is no way to reach them and they won't respond to emails or call back as requested. It appears this is intentional so that the consumer is unable to respond by the given date.
Product: Mortgage

I was in the process of refinanceing my Mortgage, which I started in XX/XX/2020 I was working with someone from Lakeview Loancare Loan servicing, I had submitted all the info paper work and such and was told I would be closing the end of XXXX. I revieced an email on XX/XX/XXXX From XXXX XXXX Mortgage loan officer not to make my XXXX payment that we were close. I emailed hime several times and he responded that we are all good and close. well when I didnt hear anything back by XX/XX/XXXX I started to call the customer service line because XXXX was not answering my phone calls or emails. I found out that they kick out my refiance because I was 30 days late on my payment. I spoke to a few managers XXXX XXXX XXXX for one who said he was going to see what he could do .. I also spoke to a Mo XXXX and it is now a week later and I have heard nothing back. I made XXXX and XXXX payment now. but I want this refinance they had me locked at 3.1. This is not my fault and terrible costumer service on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Transunion to delete the XXXX account it's a old.
Product: Vehicle loan or lease

I have an Auto Loan with Ally Financial and I'm finding their business practices to be rather shady and possibly fraudulent. Ally Financial sends a loan statement each month which shows the amount that is due on that statement, finance charges, late charges, previous balance totals, and other charges. They also display the outstanding balance of the loan and the loan 's interest rate. However what I find fraudulent is when a customer misses a payment, on the next statement, the amount the missed payment was supposed to be for, is under the finance charges line, in addition to a late fee, and previous balance. What I also find fraudulent is the fact that they do not show a payment breakdown a customers statement, nor do they make it easy to find a payment breakdown so consumers can see how much they are spending in late fees, interest, and other misc. charges the lender may tack on. You have to request what is called a " payment history statement '' using their online banking email service and wait for their reply. The representative couldn't even tell me what the charges were for the year unless I gave him the exact dates of the payments. Who on earth has time for that! Time aside from that, this information should and needs to be readily accessible to consumers, especially as our country bulges into further economic deficit.
Product: Credit reporting, credit repair services, or other personal consumer reports

AboutXX/XX/XXXXlost my ID SSN and other things on the bus I made a report with Police Station. I have been having problems with things on my credit I tried reaching out to the people on my credit I have not seen any changes.

1. XXXX  XX/XX/XXXX I Mailed a dispute because it is not mine. Have not heard from them yet. It is still on my credit 2. XXXX XX/XX/XXXX This is not my account I mailed a dispute and its still on my credit.

XXXX XXXX XXXX  XX/XX/XXXXis not mine I mailed a dispute to let them know I did not do this and its on my credit XXXX XXXX XXXX XXXX for {$310.00} XX/XX/XXXX this is not mine. I mailed a dispute to let them know
Product: Credit card

I was advised last week that a credit limit on a card I have issued to me by Barclay Card was lowered from {$8600.00} to {$6500.00}. I contacted the organization, and they advised that the right to reduce ( or raise ) the credit limit exists at their discretion, and it 's explained in the credit agreement that I signed when I had my card opened. While I did find that, what is troubling is that they accessed my credit report without my explicit authorization. I granted Barclay the right to access my credit report when I first opened the card, but not any subsequent times, which they assert is how they came to the conclusion to reduce my credit limit. I 've NEVER given Barclay ANY reason to think I would n't pay my credit card payment or the balance due. I 've always paid on time, I 've even paid off the card in total in the past. This reduction is unacceptable to me, as it should be to anyone who is an account holder at Barclay.
Product: Credit card

Barclay sends me a promotion for a balance transfer, which I take. Immediately after approving my balance transfer, they snap a bogus charge of {$480.00} onto my account backdated three months. As this is on top of my 0 % APR balance transfer, Barclay is also guaranteed to earn massive amounts of interest on this charge. Because I can not pay off the charge unless I pay off the balance transfer ( that I had just paid the fee to take ) first. 

This is predatory banking at its finest. The charge that they billed on my account is apparently a " rebilling '' of a fraudulent charge that Barclay had earlier promised to delete for me. Now, as soon as I get a balance transfer, they rescind the deletion of the charge and add it back onto my account. They now tell me that I have to dispute the charge again, after I had already disputed and won. 

The charge that they 're trying to make me pay is a credit card charge that I never consented or agreed to make. The website billed me against my will. I never received the product or service that the charge is for. Barclay recognizes what is clearly a fraudulent charge for a product or service I never received, and uses it to their advantage to sucker punch me immediately after I take out a balance transfer. 

Be very wary when dealing with such a predatory lender. My using of the products and services of this bank has led me into much distress.
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. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I recieved a email from legalcorp on behalf of XXXX XXXX telling me i applied for a loan online which i have but have never been approved for any type of loan online i have recieved a payday loan a couple years back but only for XXXX dollars and i admit have failed to pay them back. But in this email im told if i dont respond today im going to be sued for quadruple what i recieved if this is about the payday loan but again email states i applied online .i attached the email
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX/XXXX   XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX
Product: Debt collection

I have been making payments to the hospital every month I have proof! They have collected almost XXXX from insurance and I 've paid over XXXX and they still sent me to collection. I 've received 17 phone calls in one morning! What should I do? I 've been paying the hospital directly
Product: Debt collection

Debt collection for an old credit card debt, XXXX XXXX XXXX has been harassing me with phone calls. I explained to them over a year ago I was very sick and was not working. I told them not to call me. Every time they call me I tell them I have repeatedly told them to not call me. They start yelling at me so I usually yell first now, tell them I have told them not to call me and I hang up. Sometimes they call up to 3 times in one day. Most of the time I ignore unknown phone numbers because of this one company, but recently I missed an important call because I didnt answer. I just want this company to stop calling me daily and harassing me. They can communicate with me via US mail if they wish.
Product: Student loan

To whom it may concern, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX employees are trained, and dedicated to misleading, giving false information and playing on the emotions of students who are trying to faithfully pay off their student loans, including myself. Their company makes promises that they NEVER intend to uphold or keep! 

On XX/XX/XXXX, Equitable Acceptance, XXXX XXXX, and XXXX XXXX  offeredme 3 main things, which were false and fraudulent : # 1. To consolidate all of my student loans, so on my credit report it would only show 1 consolidated loan, which they DID NOT do! According to XXXX XXXX, owner of my student loans, my student loans were consolidated ONE time in XX/XX/XXXX, by XXXX XXXX XXXX, not by Equitable Acceptance. In my BBB complaint dispute " EA '' said they did not offer me that, but when they call me to collect money, just last week and every other time I connect with them, they say they want to discuss the '' consolidated loans '' and collect payment! 
# 2. Enroll me into a " Forgiveness Loan Plan ''. ( According to XXXX, who own my loan, they state, the third party, Equitable Acceptance have NO authority to do so, nor do they have the authority to make any other changes to my student loans. As of today, XX/XX/XXXX, I am not enrolled in any such program! 
# 3. Charge me a " service fee '', not offer me another loan/line of credit to get out of debt!. They need to stop doing business dishonestly! 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I HAVE SOMES ADDRESSES ON MY CREDIT REPORT THAT ARE NOT MINE. SOMEONE WAS USING MY NAME AND INFO FOR ACCOUNT THAT DO NOT BELONG TO ME. PLEASE DELETE THE FOLLOWING ADRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Product: Debt collection

Earlier this year we installed a security system in or home through XXXX.. We agreed to a monthly service fee and the equipment. The contract said payments would be payable to XXXX. XXXX, without notifying us, apparently sold the equipment note to Citizen 's Bank in Rhode Island. Citizens never notified me that the assumed trhe note. Citizens stared calling me about past due payments., I had no idea who Citizen 's was. After numerous calls, we finally determined what had happened. I have asked Citizen 's to provide information to show that they had assumed this loan and to provide me written proof. and the amount and interest rate. Citizen 's has thus far refused to provide me this information They claim they are a paperless institution. and that they do not provide this information. Without proof, I don not feel I should make payments to someone with whom I've never done business. If they would provide written confirmation, I would have some protection and proof is something goes wrong. They way they are handling it leaves me in libo.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed 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 REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!!

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.