23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I do n't know if I misunderstand something here, but it I just discovered that the Chase Credit Card Ink is charging me interest for purchases just recently, in the last few days conducted. 

Here 's what happened : ( My Ink card billing cycle is mid-month to mid-month ) In early XXXX I made a purchase for {$1600.00}. On XXXX the statement came ( Closing date is XXXX, payment due date XXXX ). I paid $ XXXX.- dollars on XXXX before the due date leaving a balance of {$810.00} unpaid. It is my understanding as well as that all other credit cards do such, that the interest charged will be on the residual due balance from the XXXX cycle. 
In XXXX as recent as XXXX, one day before the closing date of the XXXX statement cycle I made some business related purchases of around $ XXXX.- in the time frame of XXXX to XXXX. 

When I got the XXXX statement around XXXX XXXX I see on it an interest charge of {$110.00}. 
That ca n't be I thought, {$110.00} in interest charges for a residual balance of {$810.00}!? 
That would amount at an annual 29.99 % charged applied p. Month to an annual interest of {$1300.00}!!! That would amount to 359.88 % in interest!!! 
Looking in the back of the statement on the last page it says under -31 days billing-. " Balance subject to interest rate {$4500.00} '' .... 
Wait a minute! What calculation is that? I just got the statement and it will be due by XXXX! 

I called Chase Credit Card Ink customer support and like them I recorded the conversation. Rather unfriendly, curt and dismissive I was told by a supervisor that if every month the balance is not paid in full interest applies immediately to the current running balance AND INCLUDING ALL NEW PURCHASES. 
WHAT? 
I never heard of such a thing. I asked several people and all unanimously said that ca n't be, that 's why there is a " grace '' period, and in my case the stated 31 day billing cycle. 

Further attempts to clarify this with Chase yielded nothing except ignorant. arrogant and irrelevant answers.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : ( Identify item ( s ) to be blocked by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ) .This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX 2.7 Billion Records The biggest breach of the year XXXX involved a hacking group claiming to have stolen 2.7 billion personal records, affecting nearly every United States, XXXX, and the XXXX XXXX XXXX. The stolen data includes U.S. Social Security numbers, with some information already leaked on the dark web. While experts are still analyzing the scope of the breach ( since there are far fewer than 2.7 billion individuals in these three countries ), its likely that most, if not all, Social Security numbers have been compromised. 
XXXX XXXX XXXX XXXX Million Records Hackers breached XXXX XXXX XXXX XXXX compromising the data of 73 million current and former customers. This breach included sensitive information such as Social Security numbers, account details, and passcodes. Most alarmingly, much of the exposed data dated back to XXXX or earlier and was discovered on the dark web in XX/XX/XXXX. This marks the second significant attack on XXXX XXXX XXXX in recent years, following a XXXX breach affecting nine million customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I send a dispute to Equifax about the following account XXXX XXXX XXXX XXXX  ( Opened : XXXX. XXXX, XXXX, Credit limit {$750.00} ) that was open by someone that stole my identity. 
With the dispute I also send Equifax an Identity Theft Affidavit. I have done my research and I know that Federal law as is stated on the FCRA, sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), obligate the credit bureaus to delete the fraudulent information in my credit file within 4 days upon receipt of the correspondence. It's been over 30 days and the fraudulent account stills there, and that is preventing me from getting necessary financing.
Product: Debt collection

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below CHRYSLER CAPITAL XXXX
Product: Mortgage

Dear Folks, I have owed my condo here in XXXX, WA XXXX for 15 years now. 

During this time, my mortgage has changed at lease 6 time a i am now " trapped '' with 'Select Portfolio Servicing '' who in i pay my monthly and very high interest rate to for XXXX XXXX the holder of my mortgage. 

I have tried in vain to refinance with XXXX ( Minnesota ) and it goes nowhere with them.

I would very much like to be with XXXX ( my bank ) as with my customer of 16 years in XXXX, WA. 

Find me " Trapped in my mortgage '' Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had filed a complaint on XX/XX/19, Complaint # XXXX, against Moneylion, because they reported me late on my credit report, as in the resolution of that claim, Moneylion stated that they would inform the credit bureuas that it was an error on their end, and have them remove the late payments. I have asked Moneylion to provide me with a letter stating as such, but still refuses to, and haven't received anything. I have uploaded my credit report, which still reflects that Moneylion hasnt amended the disastrous reporting to my credit report.
Product: Debt collection

this company is calling me for my brothers debt. i told them he doesn't live here. they tell me if he doesn't contact them by a certain time legal action will proceed.i have twice told them this is not his number
Product: Mortgage

On XXXX XXXX, XXXX, I signed an application to start the process for a reverse mortgage with Reverse Mortgage Funding LLC. I expressed my interest in getting a loan at that time because of the very low interest rates. The loan XXXX estimated it would take @ XXXX days to process and close the loan. 
XXXX, the loan XXXX requested documents. A short delay with verifying my son 's documents and it took XXXX XXXX weeks to deliver due to my package placed in wrong box. We had a brief discussion about the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
The loan XXXX stated he would not start the loan process until after the increase. 
On XXXXXXXX XXXX XXXX XXXX  XXXX the XXXX requested a title search from XXXX XXXX XXXX 
XXXX, XXXX, a second appraisal was due. 
There were extended delays in getting documents/information due to lack of communication. 
I received a call from the XXXX on XX/XX/XXXX, to notify me of the delay. Due to the pandemic, the title XXXX had not been successful in getting the payoff amount from the city. Once notified, I immediately contacted the right person ( XXXX )... the payoff information was emailed to the title company the same day. 
The second delay involved getting documents pertaining to my son since he was on title. Those XXXX 's were sent shortly after contact. I was told by XXXX that my file didn't become active until XXXX XXXX. 
A further delay occurred in XX/XX/XXXX when I received documents from XXXX XXXX XXXX XXXX regarding recording of liens that were paid, and XXXX that was not. I asked the XXXX the reason for the delays he responded, " your loan was not a priority because we had to jump through too many hoops. '' By now. I'm concerned I might not meet my legal obligation on XXXX XXXX. 
I spoke with XXXX managers about the delay and my concern. The loan XXXX 's XXXX did not assure me that the loan would close by XX/XX/XXXX. 
By XXXX, and XXXX months later with no guarantee to meet my deadline, I reached out to otheXXXX XXXX companies. I was guaranteed by the owner at XXXX XXXX XXXX, that he would put me at the top of the list and guarantee the loan by my deadline. 

A third appraisal is now due @ {$850.00} each, and scheduled for XX/XX/XXXX. 

I'm retired, my son felt I was getting a bad deal and took out a loan to meet my obligation. 
Now, I will not benefit from the very low interest rates, my basement upgrade and travel plans are cancelled and my son has a debt on my behalf.
Product: Debt collection

XXXX I received XXXX letters from different attorneys about a lawsuit pending from Midland Credit Management . Today, I received XXXX from different attorneys about the lawsuit. I am not Denying the debt, but I am not familiar with Midland Credit Management. XX/XX/year> I called a number I found online and they gave a different one. I had to call to find their address and account number.
Product: Mortgage

I quickly checked on quicken loans- rocket mortgage website with out authorizing any credit check abilities. XXXX XXXX authorized there was a hard inquiry by said company. I did not authorize this and it knocked my credit score by 46 points. I was looking into buying a house and this will really mess up this process. Very unfortunate because I had no business with said company. They tried to call me at least 3 times before the credit check was done. I did not answer any of them, because I did not want to do business with them. This should not be considered a hard credit inquiry when I did not approve it.
Product: Checking or savings account

In XX/XX/XXXX, I lost access to both my email account and my Mercury Bank account. I was able to regain access to my email in XX/XX/XXXX. However, when I attempted to log into Mercury, I received an error message indicating that my email was not found. This is the same email I have used for my business banking since XXXX. 

I contacted Mercury Bank multiple times from my personal email, explaining the situation, but I was told they could not assist me unless I contacted them from the email registered with my Mercury account. I then reached out several times from my professional email, which was the original email associated with my account, yet I have received no response for over three months, despite my repeated follow-ups. 

I informed Mercury that my account had likely been hacked, with the hackers changing the email address associated with my account, locking me out completely. I provided all necessary details, but I have yet to receive any assistance. This ongoing issue has impacted my business as I can not access my funds or account information.
Product: Credit reporting or other personal consumer reports

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

Account Name XXXX XXXX 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 has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Hi - I have contacted XXXX XXXX in XXXX, Nevada multiple times about an identity theft that occurred through their apartment complex. I have sent them a fax, called a number of times and they give me the run around. The managers name is XXXX XXXX and their financial person 's name is XXXX. I spoke to a women named XXXX who seemed helpful and asked me to email my information that I had faxed the week before - which I did. I have yet to hear back from XXXX XXXX. A woman by the name of XXXX XXXX XXXX stole my social security number and used it to get an apartment at this complex. The apartment complex did not do the proper background check or they would have realized that she was a fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contact debtor on XX/XX/2019 to request proof that this is a valid debt. The companies are reporting information to my 3 credit reporting agencies without providing validation. This is causing injury to my person because i am not able to obtain new credit based on these claims.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Equifax Regarding Mishandling of Identity Theft Dispute Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Equifax for the mishandling of my identity theft dispute, which I initiated on XX/XX/year>, via the Consumer Financial Protection Bureau ( CFPB ). My complaint relates to Equifaxs failure to attach critical documents I submitted to support my case and their apparent lack of timely action in resolving this urgent matter. 

On XX/XX/year>, I contacted Equifax to inquire about the status of my dispute and verify whether the documentation I had submitted was received. I was informed that my dispute was under investigation. However, I was also told that no documents had been attached to my case. This is highly concerning, as I uploaded several items of material evidence, including medical records, through the CFPB portal at the time of initiating the complaint. 

The CFPB complaint numbers are as follows : XXXX XXXX XXXX The evidence I provided, which includes medical records, is essential to substantiating my claim of identity theft. Yet, Equifaxs mail-in department has failed to attach these documents to my dispute, causing unnecessary delays. Given the urgency and federal guidelines surrounding identity theft disputes, Equifax is required to resolve such matters within four business days. 

Today marks the third business day, and my documentation remains unprocessed. On XX/XX/year>, Equifax representatives confirmed that my documents were still not attached to my dispute. This raises serious concerns about Equifaxs commitment to resolving disputes in compliance with consumer protection laws.

To ensure my case is handled properly and without further delay, I am resubmitting the information and requesting the XXXX XXXX XXXX assistance in holding Equifax accountable. Specifically, I seek the following : 1. Immediate attachment and review of the documents I provided to support my dispute.

2. A timely resolution of my identity theft complaint, including the removal of the disputed item from my credit report.

3. Assurance that Equifax will adhere to applicable regulations and timeframes for dispute resolution moving forward. 

Please let me know if additional information is required to process this complaint. I appreciate your attention to this matter and look forward to your assistance in ensuring Equifax fulfills its obligations promptly and responsibly. 

Sincerely, XXXX XXXX
Product: Debt collection

I have contacted Amazon Store Card / Synchrony Bank regarding multiple returns that I sent back and received confirmation of those returns via email to XXXX on Friday XX/XX/2021 and yet my Store card is not refunded. 

So they have the merchandise, acknowledged the returns but wont credit my credit card and are collecting interest. 

This is criminal. 

Called today and the response is typical, it can take a week or more .... huh?? 

I dont thing so, and if I open a dispute it can take 90 days so its like a threat not to open a dispute.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding their handling of a credit inquiry dispute I initiated with their agency, as they have failed to address the issue adequately. 
On XX/XX/XXXX, I submitted a dispute letter to Experian in which I sought to challenge the accuracy of two inquiries that appeared on my credit report. These inquiries, listed below, are associated with credit accounts that I did not apply for : XXXX on XX/XX/XXXXXXXX XXXX XXXX on XX/XX/XXXX Despite providing clear and detailed information regarding these disputed inquiries, Experian has not taken the necessary steps to investigate and correct this issue. Under the Fair Credit Reporting Act ( FCRA ), I have a right to ensure that the information reported on my credit file is accurate and up to date. I have attached a copy of the dispute letter I sent to Experian, as well as the certified mail receipt to demonstrate my effort to engage in a good faith resolution of this dispute.
Product: Debt collection

I have 2 accounts that are opened on my report. The dates are completely inaccurate and show the day the account was opened into collections and not the day i opened the acutal account both accounts were opened in 2016. They should Be charged off
Product: Credit card

On XX/XX/year> I was working when I realized my shared XXXX  XXXX card was being used. I thought it was the authorized user who made the purchase and when I checked with them it wasn't. I reported the card stolen to XXXX  XXXX and was issued a credit and a new card was given to me. I continued working as I could not leave and I checked my debit card to not see anything out of the ordinary at XXXX  glance. I checked outside and my car and my wallet was there or in the house. I have XXXX phones XXXX for business and XXXX for personal use. I was trying to find my XXXX  phone when I realized it wasn't there either and I logged into chase account to see that there XXXX charges on my chase sapphire credit card for XXXX XXXX XXXX XXXX XXXX XXXX and XXXX for XXXX. I called chase reported it stolen and was credited the amounts back after a XXXX. XXXX  XXXX later they are saying I made the purchases and that I never reported the card stolen and I did which is why a new card was given to me. I even offered the police report the XXXX and they said they didn't need it and today XX/XX/XXXX they are asking for it but won't refund me the total amount they are charging me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$970.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I recently logged on to my account with Green Tree Ditech mortgage servicer and found out that I am being charged for an insurance that I have never had. I have paid for my mortgage principal and interest and do not escrow, as I pay my own insurance and taxes, furthermore I am have about 7 years left and do n't exactly know when and what this insurance is for, I did not call them for an answer as I have not communicated with them for the last 3 years, since I had issues in the past with payments, this is no longer the issue since almost an entire year, I pay biweekly and pay and extra XXXX via automatic payroll deduction. I am filing this complaint because I know something is not right, it should be noted that the deductions do not appear on any paper statements, I only found it buried in the payment history online. Thank You for your assistance in advance
Product: Bank account or service

I signed up for a citigold account with the understanding that I would receive XXXX XXXX XXXX points if I met the conditions of the bonus language. They said that after I met the conditions it would take 90 days for me to receive my bonus. I contacted them once via customer chat and verified that I had met the conditions and they said that I would receive the bonus in XXXX. I called today XXXX XXXX XXXX ) and they said that they do n't have any record of the bonus and that I will not receive it.
Product: Credit reporting or other personal consumer reports

These inaccurate accounts are currently in litigation due to the violations associated with the reporting on my credit report. This is my formal notice to you that these accounts need to be deleted from my credit report while in litigation.
Product: Credit card or prepaid card

Someone has been trying to open multiple different credit cards in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

Account under the name ( XXXX XXXX ) is currently reporting on my Transunion illegally. And is in violation of FCRA rules. Section 1681.

: The account currently reports misleading, Unverifiable information including Unverifiable balance. A violation of FCRA rules : The account currently reports inaccurate last date of activity a violation of FCRA rules : The account currently reports inaccurate last date of payment. A violation of FCRA rules. Section 1681 : The account currently reports inaccurate terms of agreement a violation under section 1681
Product: Credit card or prepaid card

I noticed there was another transaction from a merchant so I called to dispute it and I was told by disputes team they will apply retroactive when the other dispute filed and escalate the credit within 48hrs 4 days later and still no credit as XXXX and XXXX had assured me would happen