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

On XX/XX/ I called Chase to inquire about a transaction fee. They said it was for a cash advance. I was unaware that I had done a cash advance. They said that the cash advance would be charged a daily interest rate, I asked if I could pay it off today stop the accrual of interest. They said the interest would continue to accrue daily until the statement closed. They transfered me to a supervisor. That person said the same thing and said there was nothing I could do to stop the interest. I said that seemed predatory and she said please hold and without explanation or pause put me on hold. I was on hold for over an hour and no one came back. I called from another phone and spoke with another supervisor. He told me that the first person was partly incorrect and that if I paid the minimum balance, plus the cash advance amount plus the fee i could stop the interest. ( because for some reason the fee is also charged interest?? ) But he said that when the interest amount gets posted on my next statement that is also charged interest. and then that amount would be charged interst and so on. That seems extremely predatory. There were two transactions. One for {$20.00} and one for {$100.00}, each with their own {$10.00} fee. The perpetual interest on such a small transaction is predatory regardless of which representative was right. Its unconsconsounable. 

As a customer service complaint, I was still on hold with the original call when I finally get off the phone with the second representative. On hold for well over an hour with no human coming back to even say they were looking into something. I asked the second represenatative if he could look into his system and tell me the name of the person I was speaking to and put me on hold. He said he could not do that. I find it extremly hard to believe that they can't see who put notes into a persons account in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd submission to remedy my consumer report. Your response indicates that you did not read or see my attachment in the 1st complaint, as all the information you mentioned was provided already. I have pasted your response below and I have attached the document again. 

Please read thoroughly. In the event you are unable to comply, I am requesting a written letter stating the laws ( superior to the laws I've stated ) that gives you the authority to reject my request. 

Thank you for your time. 

Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : PLEASE BE SPECIFIC WITH YOUR CONCERNS BY LISTING THE ACCOUNT NAMES, NUMBERS, AND THE NATURE OF THE DISPUTE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com
Product: Credit reporting or other personal consumer reports

Transunion continues to report incorrect information on my credit report. They have XXXX XXXX  last payment as XX/XX/XXXX XXXX also reporting the account was closed XX/XX/XXXX XXXX how can the last payment be XXXX months after the account was closed. they also have the payment status as collections/charge off but the account status also shows derogatory. If the account was closed it should report that on all status 's. also this account shows it was never 30/60/90 days late. There are several inaccuracies I have disputed and demanded this account be removed from my Transunion account but they refuse to comply. This is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discovered that XXXX does not report late payment greater than 30 days and that they only report greater than 90 days. On XX/XX/XXXX, according to agent XXXX XXXX with agent number of XXXX, he stated that my loans went out of deferment and the first loan payment was due XX/XX/XXXX, over 6 months later. Credit reporting agencies show that the loan was reported as " ok '' from XX/XX/XXXX thru XX/XX/XXXX. According to their records, they did not start reporting late until XX/XX/XXXX. I was not notified of loan coming out of deferrement status and in turn the loan has late payments from XX/XX/XXXX thru XX/XX/XXXX due to the false reporting of XXXX. They reported my loan as " ok '' from XX/XX/XXXX thru XX/XX/XXXX, when it was in reality in default. The loan has since been sold to XXXX and they are refusing to edit their false reporting of payments to all three credit bureaus. I have also included a deferment approval letter stating that my loan payments were never due. XXXX never communicated with me to notify me of loan payments being due.
Product: Vehicle loan or lease

I called a couple of weeks after paying off the loan in XXXX and was told the title was in the mail and should have received it about ten days ago. Today I was told to call Massachusetts, no number, call MA DMV to get the title. I am not in MA and when I called the DMV I got the run-around. I took the loan out with BMV not the state of MA. The burden is on BMW to ensure I receive the title and their customer service was not helpful. I paid off the loan and have yet to receive the title.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, has 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 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: Credit card

I got denied by every XXXX XXXX credit card there is and I don't have the greatest XXXX score but it's XXXX Wonder why I can't get one
Product: Credit reporting or other personal consumer reports

THERE ARE SEVERAL INQUIRIES THAT I REQUIRE A PROOF OF A PERMISSIBLE PURPOSE.PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I AM A VICTIM OF IDENTITY THEFT
Product: Money transfer, virtual currency, or money service

On Sunday I received a fraud alert from my bank, informing me of 2 Transaction being processed through CASH APP XX/XX/23 at XXXX and XXXX ( 2 ) unauthorized transaction in the amount of {$2000.00} each for a total of XXXX XXXXXXXXThese transactions were completed and processed without any of the following policies and Protocols that CASH APP has in place. 1. My phone was in my possession at all times. 
2. My phone has a locked screen with a pin. 
3. My cashapp account required a verification to add a new person. 
The person receiving the fund Name is XXXX {$190000.00}. This person just appeared XX/XX/23, no other record of this person. ( no notice VIA TEXT OR EMAIL. NEVER ) Never got notice of withdrawal from CASH APP, which to generate on every withdrawal, ,also on bank statement different name XXXX 4. My cashapp account required a pin to release and confirm payment. 
Once I notice the transaction, I immediately contracted Cash App customer Support via the app to report and fraud and scam, this was the only way ( at this point the payments were pending ). 
on Monday I called Customer Support to inform them to stop the payment and there system has been hacker. 
They can not or will not give me any evidence OR told me how this happen, their only response was, : ( I had to authorize the payment ) CASH APP IS STEALING MONEY FROM ACCOUNT HOLDERS, HACKING INTO BANK ACCOUNTS.
Product: Student loan

I took out a private student loan in XXXX/XXXX/XXXX. The principal amount was {$26000.00}. I made a few payments and then I made a large principal payment of {$18000.00}. I did n't hear back or receive a payment due notice until XXXX. The phone call said I was past due. This did n't appear on my credit report as being late, or behind. The customer service person said I owed interest and was behind. This was confusing to me, and it did n't make sense. I 've been making payments since XXXX. However, the loan is all interest and nothing is going towards principal. I 've asked for explanations, but they keep telling me I owe interest and the amount keeps rising, although the interest rate has gone down, I 'm still only paying interest and no principal. On top of that they keep telling me they do n't have my social security number even though I have given it several times. I want to know how the interest on this loan got behind. My address and contact information was the same since XXXX until XXXX. My mail was forwarding to my new address since then. Yet they have me paying interest only now for two years. Please advise how to get an explanation about this loan.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A cell phone account opened at XXXX XXXX on XX/XX/XXXX account number ( XXXX ), an auto loan account open at XXXX XXXX XXXX on XX/XX/XXXX account number ( XXXX ), A credit card account open at XXXX  XXXX on XX/XX/XXXX account number ( XXXX ), A credit card open at XXXX XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ), A credit card open at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries XXXX XXXX XXXX FIN on XX/XX/XXXX XXXX XXXX NA on XX/XX/XXXX are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

The company called me earlier than XXXX XXXX. Used text messages and blocked numbers. Left detail information and called more than 7 times in a week and left more than 7 messages in a week
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for a student  loan but did not give permission for multiple inquiries. 

XXXX ( XXXX  ) XXXX XXXX XXXX ( XXXX   ) XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX   ) XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX**** Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

This is in reference to my XXXX account that did not offer verification of who I was sending money to.
Product: Credit card

A very long time ago, when banking with chase, I had given a teller money to pay off an credit card account. It was for around {$120.00} and I had much more than that in my checking.. however she did not apply the money there before I left for vacation.. and now many years later ( this happened 8 years ago ) it is showing up as a delinquent account on my report and caused me to get denied for something. This is extremely upsetting and I do not know what to do.
Product: Debt collection

This debt was sold because when I requested information from the debt collector they just simply sold the debt to keep from disclosing information. This debt collector did not verify they have a license to collect in Michigan and I want them to report to all three credit agencies that this debt is disputed.
Product: Vehicle loan or lease

After making a payment on XX/XX/XXXX, I received a letter stating that i was behind XX/XX/2024 XX/XX/2024 and XX/XX/2024 after thinking that I had paid the XX/XX/2024 payment. I received a letter sating that i had until the XX/XX/2024 to make a XXXX or repossesion payment. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This caused me to get behind on a contract that I was waiting to get caught up on for payment.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I was incarcerated at the time of all transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please see supporting documents attached My consumer credit report has details that is the result of identity theft. I didn't give written permission or directions for identification transactions to be put on my consumer credit report. I'm asking that this information be blocked and that it be removed. My request to block isn't being made in error, and it isn't being made because I lied about a fact that is important to the request to block the identified transactions. The recognized transactions have nothing to do with any transactions I, as a consumer, have made.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain fraudulent accounts on my credit report as a result of identity theft. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ). 
The following accounts have been identified as fraudulent : XXXX. XXXX  XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$750.00} XXXX. XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$15000.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security XXXX : XXXX Consumer Date of Birth : XX/XX/year>XXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following fraudulent hard inquiries appearing on my consumer credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These fraudulent hard inquiries were not made, initiated, or authorized by me. They are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Report # XXXX as proof from the US Federal Trade Commission that these fraudulent items are the result of identity theft and fraud.
Product: Checking or savings account

I hope this message finds you well. I am writing to bring to your attention a matter of significant concern involving a financial transaction with Chase Bank that requires immediate intervention. 

Recently, I received a cheque in the amount of {$24000.00} from a colleague, whose account at XXXX Bank was closed. The payee company is XXXX XXXX XXXX, an associate of ours. Due to the absence of an alternative bank account in the United States, they requested that I deposit the cheque into my XXXX  account at CHASE to facilitate the retrieval of funds. Subsequently, I successfully deposited the cheque, and the system credited the funds to my account. 

Regrettably, XXXX day after the funds were credited, Chase Bank froze my accounts, asserting that they would remain restricted until the issuer of the cheque ( whose account is now closed ) initiates a request for the funds. 

Upon my colleague 's request to XXXX Bank ( XXXX XXXX ) for such action, they declined, stating that the account has already been closed and the funds have been disbursed. 

In summary, the {$24000.00} is currently held by Chase Bank under my XXXX  account ( Company B ). Chase Bank insists that the funds will only be released once they can verify the legitimacy of the transaction from Company A to Company B. 

Given the urgency and complexity of this matter, I kindly request your prompt assistance in facilitating the resolution of this issue. Your guidance and intervention would be greatly appreciated in unlocking the frozen funds at Chase Bank. 

Thank you for your immediate attention to this matter. Please feel free to contact me if any further clarification is required.
Product: Credit reporting, credit repair services, 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 XXXXXXXX Account name : XXXXXXXX XXXX DEPT OF EDUCATION XXXX XXXXXXXX Account name : XXXXXXXX XXXX  DEPT OF EDUCATION XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX  Account name : XXXX XXXX XXXX XXXXXXXX - has 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 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: Credit reporting or other personal consumer reports

Please block and remove the following accounts Due to Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello I've been a customer with the Bank for 12 years and i started out with a XXXX secured credit card. I have been paying on this card for 5 years and I haven't reached ... I have paid a lot in late fees with this bank. I have exhausted all of my opportunities for reaching out and trying to get a settlement for this account but they refuse to help me ... I am currently paying on this card now and Im exhausted.Please Help
Product: Debt collection

This company has indicating that paying them would stop the damage to my credit. This can also be taken as a threat to further damage my credit. This is very deceptive. 
This occurred in emails exchanged with company representatives on XX/XX/2018. They are using deceptive collection practices to convince me to pay a debt that I do not believe is fair and owed.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

Bankruptcy XXXX # XXXX XXXX XXXX
Product: Checking or savings account

I opened an account with Wells Fargo on XX/XX/2022 and I was using a check from XXXX Bank. I called to verify that I would be able to use it and was assured I would be. The following day the check was reported as " not a good check ''. My check was said to have been returned to XXXX Bank. There has been a lot of back and forth between both banks since XX/XX/2022 trying to figure out where that check has gone. Wells Fargo has told me multiple different stories and no one can figure out WHERE THE CHECK HAS GONE. This bank has been the worst experience for me. In XXXX I called a few time trying to figure out what happened. The first young lady was of no help and didn't even try. The next week I spoke with someone who told me I had to call XXXX Bank and figure it out with them, which I did and was told to go back to Wells Fargo. I was told in XXXX by Wells Fargo that closed account information is kept for up to 6-8 years in case of issues like this. The next week I was told they have no way of getting into a closed account! A few days later I called again and asked the guy I was speaking with if he could find the check number from XXXX Bank that was " a bad check ''. He emailed it to me, which I then called XXXX Bank and informed them was told they could help me. I give Wells Fargo permission to contact XXXX Bank in order for me to receive my funds.