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

Bank of America has been charging me approximately {$95.00} per month in interest on a Cash Rewards Signature Card. The original balance was {$5000.00} in various charges of which I have paid down to {$3500.00} in a rather short period of time by almost doubling my monthly payment ; however, the extra amount I pay each month is almost totally consumed in the interest charge. B of A also has reduced my available credit from {$5000.00} to {$3700.00} for no apparent reason other than, perhaps, Im making more than the minimum monthly payment which seems to be a sanction against me, again for no reason. When Ive called the bank on several occasions, all the rep can tell me is that the interest is being charged on a cash advance, which Ive never taken to my knowledge. If there was a cash advance in the earliest history of the account, it could not have been more than {$200.00} but Im pretty sure Ive never taken such cash advance. The account is approximately 2-3 years old and the $ XXXX monthly interest charge started from the beginning of the account. I feel this is usury which is a violation of fair credit protection law in California. If I were not paying more than the minimum payment my balance owed would have remained at {$5000.00} over the 2-3 years that I have had the account. That is a travesty!
Product: Credit card

Case Number : XXXX Best Buy XXXX XXXX. 

I would like to dispute the results of the investigation conducted by Citibank Best Buy card company. The account opened under my name was unauthorized, fraudulently opened, using my personal information. I was not informed about this card application, I did not received notice prior to this application, nor received the physical card and the details of the account, I never activated, I was wondering how it was activated, and they were able to purchase a total amount of {$2300.00}. On XXXX XXXX, 2024, I learned that there was card application from the notification of credit reporting agency that I have a hard inquiry. Thus, I immediately acted on it and called the Citibank number and requested to close the account. I filed a police case XXXX XXXX on the same day XX/XX/XXXX and inform credit agency to freeze my credit score details. However, last XX/XX/XXXX a I received letter that investigation is close, and I am responsible for paying the outstanding balance. The agent told it was close since the purchase location is just few miles away from my address, as per the result of the investigation. I called the best buy security operation to reopen the case. Last XXXX XXXX, 2024, I received the account bill and the charges I need to pay with the due date. I made a call again on XX/XX/XXXX, to raise dispute and reopen the case. To add supporting evidence that I am a victim of XXXX XXXX, I have received XXXX additional unauthorized credit card application from XXXX XXXX,2024 that is why I acted immediately that this is a fraud. First was from XXXX XXXX  XXXX ( XXXX XXXX XXXX  ) and XXXX XXXX  ( XXXX XXXX XXXX ). I learned these card application from the notifications of credit reporting agency only. I called these banks and closed all the application. I sent mail with my supporting documents to XXXX XXXX XXXX  of Best buy XXXX XXXX last XXXX XXXX, 2024.I made call again to best buy XXXX XXXX on XXXX XXXX, 2024, I came to know that while they were verifying my personal information, it looks like the registered mobile number on their system is different, from my mobile number.
Product: Mortgage

I applied for a cash-out refinance through JPMorgan Chase on XXXX/XXXX/XXXX. My conversation was always a cash-out refinance based on what I could do in relation to the Loan to Value. My credit was run and I was provided a loan estimate at 3.625 % interest with XXXX points and {$640.00} in Origination Charges and showing a rate lock until XXXX/XXXX/XXXX. I was told to provide documentation which I sent via their web portal which would not upload, so I faxed documents and finally mail delivery. The Loan Officer confirmed my loan was in underwriting. On XXXX/XXXX/XXXX I received a loan estimate in the mail at the same interest rate but 1.5 % points in Origination Charges plus the {$640.00} previously mentioned with a rate lock expiring on the same date XXXX/XXXX/XXXX. I also received a corresponding rate lock agreement but it did not match the Loan Estimate as it reflected a 3.625 % interest rate but only .5 % point Origination Charge. I asked to speak to a Manager as nothing adds up and this is not what we agreed upon but after emails and calls, I did not have a valid explanation. On XXXX/XXXX/XXXX, I receive another Loan Estimate showing my loan amount has been increased by approximately {$46000.00} in addition to the 1.5 % origination points still being charged. I contacted the Loan Officer after receiving this and she informs me I did not get my documentation in on time so they cancelled my rate lock and that is why 1.5 % points are being charged and I must sign the rate lock agreement or risk further rate adjustments. I signed it on XXXX/XXXX/XXXX not knowing what else to do. This is one month after I provided what was asked of me with their claim being they did not receive it in time which is a flat out lie to cover repeated missteps on their part. I received a call yesterday XXXX/XXXX/XXXX, stating that now there will be XXXX points charged on my loan because I am subject to worst case pricing, whatever that means, for which the Loan Officer could not explain and the Manager still will not return my calls to explain why. She should not be licensed if she can not explain this to the consumer. I have yet to receive the Loan Estimate for this change. JPMorgan Chase and their representatives have had the scenario ; my financials and my credit score for almost 2 months plus the appraisal came in {$75000.00} higher than where we anticipated it so they can not claim the Loan to Value was higher so the fees changed. I feel clearly this is the type of banking behavior that Dodd-Frank was supposed to protect consumers against and that this is complete misrepresentation and bait and switch tactics so this is the purpose of this complaint. Thank you for looking into this matter. The Loan Officer is XXXX XXXX XXXX XXXX and the Manger XXXX XXXX XXXX XXXX XXXX. Respectfully, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In my credit report from Experian, XXXX, and XXXX. They are showing 2 or 1 fraudulent accounts which is : XXXX XXXX XXXX Other {$450.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details. 



and XXXXXXXX XXXX XXXX XXXX Credit Cards {$600.00} Status Date Reported XXXX XXXX, XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$600.00} Account Details. 

Those fraudulent accounts are not mine and I want those accounts to be deleted completely off my credit report.
Product: Mortgage

I have applied for a home loan to purchase a new home. The lender pulled my credit and it showed I had a late payment XX/XX/XXXX for a previous mortgage. I paid off my home loan in XX/XX/XXXX. I do not owe this company any money. I called them and they said it would  take 10 days just to look at the file. I am very upset with their process. I would like help to get this erroneous error off my credit report. The error is showing dated XX/XX/XXXX. 

I spoke with the company XX/XX/XXXX and they said they did not report this and it would take 10 days to have their team look into it. I will be losing the house that I have put a down payment on and I will lose my down if this does not get resolved in a timely manner. 

I have filed a complaint with this company previously and you helped with a positive outcome but again they are messing with my credit.
Product: Credit card or prepaid card

This is in reference to my EPPICard from the State of NJ for Child Support Benefit. The card is issued by XXXX XXXX  pursuant to license by XXXX XXXX. On Sunday XX/XX/2019, I was able to use my card in XXXX PA with no problems. On Monday XX/XX/2019, I attempted to add funds to my son 's lunch account through an online system using the card and the card was declined twice. 
On Tuesday XX/XX/2019, I attempted to make a purchase at the grocery store, and the card was again declined. 
At this point, knowing that there are funds on the card, I tried logging into my EppiCard online account via the website to see what was going on, and received a message that my card was suspended for fraud, that I would be unable to access my online account, and that I needed to call customer service. Prior to this, I had received NO notice from the company that my account had been compromised or was being suspended. 
I immediately called customer service, was routed to the fraud department, and proceeded to wait on queue for 1 hour and 47 minutes before a representative picked up. He asked my name, my social security number and asked when the last time I accessed the account at an ATM. I told him that I don't access the ATM that often, but I remember taking out {$20.00} from the convenient store near my house on Friday XX/XX/2019. He immediately said " I'm not able to verify any of that information, so I'm going to need you to send me documents proving that you are the account holder, like a Drivers License. You have a drivers license, right? '' to which I replied " um, yes.. '' I was a bit stunned at his rudeness. 
I asked the man " I'm not understanding what's going on, and why you aren't able to verify any of my information. Can I please speak to a supervisor? I waited on hold for almost 2 hours, and I do not want to mail information and continue to wait. I need to get this resolved ''. 
He said " I know you waited, but what does that have to do with your account? I can't help you ''. 
I said " Please transfer me to a supervisor. '' He said " I can transfer you to another representative, but they are only going to tell you the same thing that I told you ''. 
Again, I said " Please transfer me to a supervisor so that I can get a resolution today. '' He said " They aren't going to tell you anything different, but I can transfer you to another representative. Yes, that's what I'm going to do. Hold one for one second. ( 5 seconds of silence ). One second. Ok ma'am, I'm transferring you. Goodbye '' and he transferred me back into the queue. 
I waited in queue for another 1 hour and 20 minutes, someone answered the phone, and then disconnected the call. 
Now, Wednesday XX/XX/2019, I am attempting to call again. 
I have already been in queue for over 40 minutes and the department has only been open for an hour.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX. XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX XXXX # XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX XXXX  XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX XXXX  Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX  Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXXXXXX XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a claim against XXXX, Equifax, and XXXX to remove in correct information from my credit report. I file a dispute through XXXX to remove information from my credit report that's does not correct on XX/XX/23. XXXX responded stating that all information was removed and requested XXXX, Equifax, and XXXX to remove the same information as well. However, all of the incorrect information still remains. Therefore, they are in violation of the following 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Student loan

I have started a new program as a XXXX XXXX XXXX, uploaded and submitted deferment request and also acceptance letter into the program at the beginning of the month. Spoke to a representative ; XXXX XXXX, was told that they do not get notified when, " things are submitted online '' asked representative where I would find that they do not get notified when things are submitted on their website. She stated that, " she was not sure, and I should have called to speak with someone. '' Asked her what the point was of submitting documents online and asked where I should have emailed the forms instead. Service rep stated that, " they do not accept email. '' I believe Navient is acting in bad faith on deferments. I don't believe that they would have just taken my word for it so I submitted official forms on their website in good faith. Representative stated, " that we will request a deferment now. '' Wondering why it wasn't done before I get hit for a 90 day late, even though I submitted documents at the beginning of the month for the deferment and why she wants me to pay even though I am in deferment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from the UNITED STATES BANKRUPTCY COURT FOR THE XXXX XXXX OF VIRGINIA OFFICE OF THE CLERK XXXX XXXX XXXXXXXX XXXX XXXX XXXX VIRGINIA XXXX. THE BANKRUPTCY CLERK STATETED IN THE LETTER THEY DO NOT VERIFY INFORMATION WITH CREDIT REPORTING AGENCIES. ALSO, THEY DO NOT REPORT INFORMTION TO CREDIT REPORTING AGENCIES OR XXXX XXXX. SO HOW WAS THIS ACCOUNT VERIFIED???? 

NAME : XXXX XXXX XXXX : # XXXX ADRESS : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX *DELETE THE XXXX XXXX  BANKRUPTCY FROM THE XXXX XXXX OF VIRGINIA THATS BEING REPORTD ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX XXXX XXXXXXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Oh, please verify by providing color copy of my ID wet signature of original contract or immediately update to paid never missed a payment. 

XXXX XXXX, XXXX, and Equifax have violated my rights. 

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 an 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 or 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 data is inaccurate.
Product: Checking or savings account

According to my bank privacy Act and terms and conditions they will not share my information with non-affiliated companies, XXXX XXXX is Not an affiliate of Navy Federal Credit Union or parent company Navy Federal Svc Inc they are in violation of Privacy act of 1974.
Product: Credit reporting

The XXXX credit reporting agencies ( XXXX EquifaxXXXX ) falsely reported XXXX items that did not belong to me. It took months to have them take said items off my credit report but now, the XXXX credit agencies wo n't correct my credit score after they damaged it. It was their mistake to report me to begin with then adjust my score by removing ALL of my credit. My score was around XXXX before the credit bureaus made this mistake now it 's " DAMAGED AND HARMED MY LIFE! '' The bureaus will not correct it! 
I have attached a document from XXXX XXXX showing what the credit bureaus are reporting on my credit score. I have NOTHING and the credit reporting agencies do n't even show my positive credit. This has ruined my chances on getting a car loan, an apartment, an advancement at work and a credit card!! They wo n't fix their mistake and I 'm going to have a nervous breakdown! I ca n't believe what they did to me!
Product: Vehicle loan or lease

I began this loan in XX/XX/XXXX with Kia Motors Finance- my car payment is {$460.00} monthly. I have always paid more than my car payment on every payment I overpay at least $ 400- {$1000.00} Yet..I have been unable to access my online account with them since late XX/XX/XXXX. This is the ONLY platform I can pay my car payment without a processing fee. 

Therefore I have to ALWAYS pay a processing fee even when I want to pay fee free online because they refuse to give me access to their online account. 

Additionally XX/XX/XXXX I was offered a deferment on payments with a 14 day window from XX/XX/XXXX ( even though they claimed to have emailed it on XX/XX/XXXX ) toXX/XX/XXXX return the paperwork which I NEVER received. 

My email address and mailbox at my home has never received anything from them for this extension whatsoever. They still however reneged on it saying it expired being I didnt return the forms ( that I never received ) in 14 days. 

When I asked today, XX/XX/XXXX, if I can apply the extra money I've paid over the years ( they put toward principal ) toward the current balance of {$930.00} I owe currently I was told they can not even speak to me or do anything with my account until I make one payment. Mind you my last payment was XX/XX/XXXX of {$200.00} and before that was $ 2,200+ in XX/XX/XXXX enough for 5 months. 

I am currently out more money than I owe to this firm but am being treated like a crook. I loathe every interaction with them as they take NO accountability for any of their errors and hold customers responsible for them and even charge them fees just out of being unable to correct or explain why you cant pay online. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft and am being harassed by collection agencies constantly calling me. The following information is what I found on my credit report that is not mine! 

XXXX XXXX XXXX {$1600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$3500.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$2100.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$2800.00} XX/XX/XXXX DEPT OF EDXXXX XXXX {$3100.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$1700.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$1700.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$350.00} XX/XX/XXXX XXXX & XXXX XXXX {$830.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : XXXX XXXX XXXX. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX. I was advised by an attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. It has been 60 days since I mailed that out, and under the FDCPA, the debt collector had 30 days to respond, and did not, which is a violation of the FCRA and FDCPA. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX  ) and XXXX XXXX XXXX has NOT removed this account from my credit reports, or have sent me any kind of validation. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. In addition to this, they're reporting that they originally purchased this collection on XX/XX/2013. We are 10 days from the statute of limitations running out, even if this was a real debt. Title 4, Chapter 16 of the Revised Code of Washington ( RCW ) outlines the various statutes of limitations for debt collection in the state. RCW 4.16.040 gives written contracts and accounts receivable a statute of limitations of 6 years before the unpaid debt becomes time-barred. RCW 4.16.080 stipulates that oral contracts have a statute of limitations of 3 years. Thank you for helping me resolve this matter.