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

On XX/XX/2021 I purchased a Netspend prepaid card from XXXX. Today when I tried to activate it, I realized the company required my social security number which I objected to providing. I returned the card with receipt to XXXX who refused to provide refund but advised that I could activate and bypass my social security number on line. I went on line to XXXX but it required social. I entered XXXX as the social and the company rejected the authorization attempt and required my to download identifying documents and send the. I objected in a telephone call with the company who agreed to send a refund for the card " deposit '' but NOT for the actual purchase price of the card. The company should refund the card purchase price as well. The company advises that the refund of the deposit will arrive via mail in 10 days
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I signed up for XXXX  to see my credit reports. Upon looking over my XXXX report I found that Capital One is listing an account thats charged off and sold to XXXX XXXX XXXX as using XXXX  % utilization. This is not accurate. A charged off debt thats been sold should not be reporting a past due amount nor should it be counted towards my utilization. Under FCRA I have a right to have this information corrected. I would like this corrected within 15 days.
Product: Credit reporting or other personal consumer reports

I attached a screenshot from my transunion report. I didn't authorize recognize the inquires
Product: Checking or savings account

On XX/XX/XXXX, I was charged {$36.00} for {$1.00} overdraft. Please remove overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft going on 2 years now. I have a 7 year fraud alert on my account. Equifax has ran my information without first notifying me by mail, phone, or email.     This is not the first time I have reported Equifax for running my information for bot contacting me. Last time the rep had the audacity to tell me Well we do n't necessarily have to contact me even though I have a 7 year fraud alert. At this time I feel its better to just put the complaint in then call them.  <P/> Yet again I had to go to the police station today to file a Id theft report and go through this draining process of clearing my information up and removing all fraudulent information.  <P/> This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not my account that is reporting on my Experian Credit report.
Product: Vehicle loan or lease

Bridgecrest financial company is engaging in business practices that have prevented me as the consumer from paying off a simple interest car loan early. The unfair business and accounting practices include : 1. Failing to applying 6 different principal only payments totaling {$5600.00} to my loan timely and 2. Adding back the simple interest of the loan when the principal payment is made causing my account to enter into a " payment due '' or arrears status. All six principal payments were made between XXXX and XX/XX/2019. On eight different ocassions, I have called Bridgecrest customer service speaking with representatives who have either failed to rectify the situation or who have started retaliation efforts by locking my online account. After each conversation with Bridgecrest ( XXXX, XXXX, XXXX, XXXX, and XXXX ) and a promise that my account will be brought current, the only actions taken have included again misapplying 4 principal payments and alerts that my account is in the arrears. A full accounting statement was requested from Bridgecrest on XX/XX/XXXX, but has yet to be received. A second request for a full accounting statement was again requested XX/XX/XXXX. This company 's unfair and unacceptable accounting practices prevent consumers from paying off loans early and can potentially damage their credit ratings. The FTC should investigate these practices as consumers will need lawyers to recover monies from overpayments and erroneously reapplied interest payments.
Product: Mortgage

I made my XX/XX/XXXX mortgage payment on XX/XX/XXXX. The payment was in the amount of {$450.00}, of which {$350.00} was to be applied to interest and {$100.00} to principal. On XX/XX/XXXX they applied the entire payment to principal then after XX/XX/XXXX they proceeded to call me daily that I delinquent on the mortgage. I have tried to rectify this since XX/XX/XXXX by emailing and calling them almost daily. They then reversed the payment and applied it all to interest. Again even after numerous calls and emails they still are not applying the payment correctly and as a result I have been over charged for interest because they did not retroactively apply the payment with an effective date of XX/XX/XXXX. I have sent 6 emails to try an get this fixed to which I have never gotten a response except to say that they received my email, I have called no less than 5 times and there is never a Supervisor or Manager available to talk to. They take my name and say they will call back but they never do. I should be due for my XXXX payment and as of today they have made even a bigger mess by reversing and re-applying the payment again to interest and their systems now shows I am due for the XXXX payment which is incorrect. It's simple servicing, so I am at a loss as to why this payment can not get applied correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has me locked out of their online dispute system to upload supporting documents to my complaint. On XX/XX/2018 I received an alert detecting there were changes in XX/XX/2018 from a certain banking provider. XXXX XXXX XXXX removed a good standing account and reported derogatory information left unresolved by XXXX XXXX fraud team in Virginia. 

I received another alert on XX/XX/2018 that my name was updated. I contacted Equifax and the call was routed outside of the United States to a Country whereas English is not their primary language in which the individual could not comprehend my dispute regarding other items I noticed decreasing my score without reading from a script.

Equifax has me locked out of their online dispute system to upload supporting documents to my complaint. My credit score decreased 63 points.
Product: Credit card

My Citi XXXX Credit card was closed by Citi in XXXX XXXX by Citi. Company has continued to charge me interest and fees on the outstanding balance without providing me online access to my statements nor mailing me monthly statements. I called on approx. XXXX XXXX, XXXX to request that copies of all of my statements be mailed to me and was assured that I would have it within approx 48 hours. I received a package of statements around XXXX XXXX, XXXX, and it was incomplete. This credit card continues to charge me interest and fees, which I only find out about through notices from financial/credit apps that I have. I feel all interest and fees on this card from the time Citi is closed the account should be removed and not added again. I do n't know how much money I lost because I ca n't see my records ( number in form below is a guess ). 
My CitiForward card is my other card from Citi. It is still open, however I have the same issue as I have with my XXXX card above - no online access and no paper statements mailed to me. I pay an auto-pay payment initiated from another bank for the minimum payment, so that 's why the account has n't been shut down yet but I want my FULL records.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has XXXX XXXX hard to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Checking or savings account

I saw 2 charges on my account that were fraudulent on XX/XX/XXXX. The 2 charges were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX For {$120.00} And XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX For {$81.00} When I noticed these charges, I called the number on the back of my card immediately and they told me the card was already tagged for possible fraud. I went to the bank the next morning and was told the issue will be resolved and I received a new card. Now they reverted the refund and made me pay the money. These charges are fraudulent and I want my money back.
Product: Checking or savings account

I opened a personal checking account with chase bank in the month of XXXX and deposited XXXX dollars in it. on XXXX XXXX I received a letter stating my account was closed and funds will be mailed back to me. I called and they told me that my account was closed for no reason at all and without a valid response. JPM Chase stated that they reserve the right to close my account with providing a proper response, which a form of discrimination. Once I completed my conversation they gave me a ref # of XXXX.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX, and Equifax are violating my consumer rights! I am speaking with legal council at this point because I am tried of going back and forward about their inaccurate reporting on my credit file. They keep sending me stall letters! This inaccurate information needs to be immediately deleted from my credit file within 24-360 hrs.
Product: Mortgage

I had paid off the property and they still have not sent my deed to be recorded the lender seems to have taken care of everything on his end AHP servicing is supposed to record the deed and has not been done yet. The property was paid off XX/XX/2021.. I have contacted a XXXX XXXX numerous times to take care of the issue they are not returning my phone calls ahp servicing # XXXX slow Mo is The gentleman in charge!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

have never done business with this company who has put an 11 year old debt on my credit report that isn't even mine. when i called the company they said that they would not be taking it off my credit without a payment. this is a violation of 15 usc 1681n
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whomever This May Concern : I am reaching back out because I am going to file suit against XXXX  and Experian. I was advised by my attorney to submit one last complaint and then he will file suit against them and any data furnishers for refusing to remove fraudulent items on my credit report. 

XXXX  refuses to remove XXXX XXXX from my credit report. I have submitted the police report that has the report number, the Officers name, and his badge number by the forward slash on the report. I have sent them by mail a copy of my mortgage statement, my drivers license, police report, and dispute letter stating that I am a victim of fraud and this information should be surpressed and removed. They refuse to do so. 

Experian refuses to remove XXXX XXXX that appears twice on my report and XXXX XXXX XXXX XXXX that appears twice on my report as well. Experian has sent me letters asking me to send all pages of the police report with the report number and the Badge Number of the officer. I have sent Experian the Police Report/Identity Theft report that only has one page, a copy of my Drivers License, and my mortgage statement as well. I have also sent them a dispute letter. They refuse to comply with surpressing the accounts from my report. 

I am filing this complaint in hopes that this will get them to comply. If they don't my attorney will file suit and has a reputation for winning. 

My information was breached through Experian and XXXX  and both of these bureaus are refusing to cooperate. 

My attorney is giving Experian and XXXX  until XX/XX/2020 to remove all fraudulent addresses and accounts off of my reports before he files suit. I have sent him all responses from the credit bureaus and he deems them stalling tactics. We will file suit and win. 

THIS IS NOT A CREDIT REPAIR COMPANY. I AM XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT. SO PLEASE DON'T TRY TO USE THAT AS A STALLING TACTIC AS WELL.
Product: Checking or savings account

There were several unauthorized charges made to my account. That I disputed with Chase Bank dispute department. Charges that were temporary reverse charges. Then later on recharge my account. Without any explanation as to how Chase investigation department found theses charges to be mine. Its been a long going issue with Chase Bank and their unfair practice towards their Customers. When it comes to disputes on unauthorized charges. Leading me to now seek legal actions against Chase. Im filing this complaint to show proof that I attempted to resolve this matter with an outside agency. The dispute dates Im filing this complaint about are XX/XX/XXXX for the amount of {$100.00} ; XX/XX/XXXX for the amount of {$66.00} and XX/XX/XXXX for the amount of {$41.00}. All disputes were denied without any explanation as to how they founded these charges to be mine. Chase also charged my account a {$34.00} for an overdraft amount of XXXX. When I asked for them to reverse it. Because I forgot to transfer funds from my other to cover the overdraft amount. My request was denied. This bank is beyond horrible. The fact that I still bank with them is depressing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX XXXX XXXX  acct. # XXXX Dear XXXX XXXX XXXX  XXXX , I never received any written correspondance from this company. XXXX XXXX XXXX XXXX added a collections to my credit reports with XXXX, XXXX, and XXXX  that results from crime ( s ) that were committed against me. This is invalid. I did not received any services or goods from the original creditor. However, I am still held responsible for this debt. You are hereby in violation of the FAIR DEBT COLLECTION PRACTICES ACT by adding a collection to my credit reports without my knowledge.In addition, you are also in violation of THE FAIR CREDIT REPORTING ACT by reporting inaccurate information to the above-mentioned credit reporting agencies. You were by the 3 following credit reporting agencies not only were you froward copies of an FTC identity-theft report but also a sworn copy of an identity-theft affidavit. Still you fail to comply with laws enacted by congress to alleviate consumers of debts as a result of identity-theft. Failure to comply shall lead to litigation for defamation of character, whereas associating my name with debts I do not owe and various violations of THE FAIR CREDIT REPORTING ACT and FAIR DEBT COLLECTION PRACTICES ACT. This is a declaration that I am exercising all my rights as a consumer and victim of identity theft. Lastly, having a debt I am not liable for after origin of such debt is given is a deliberate violation of the aforementioned acts all enacted and legalized by Congress and The Attorney General to protect consumers against unlawful collections and reporting of information to credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting names in my credit report that are not mine..my name is NOT XXXX nor am I XXXX XXXX
Product: Credit card or prepaid card

I am contacting your agency in hopes you can help me get my money back. I have paid several companies thousands of dollars for various online businesses related and XXXX XXXX XXXX XXXX was one of them. They took my money under false pretenses. I paid them with my XXXX XXXX XXXX XXXX card on XXXX/XXXX/XXXX an amount of {$10000.00}. They promised me a second web page and a profitable online business. I never received any goods or services. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfil their end of the deal. I know its been a while but I need your help in contacting my credit card company so they can open an investigation. I am seeking your help. I am in debt and all I wanted was an extra income. I hope you help me get my money back. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, Since XXXX, XXXX 2023 I have been attempting to dispute some negative, inaccurate remarks on my credit file. 
In doing so I have adhered to all requirements that are required to open a dispute with Equifax. 
I have mailed this company dispute letters including three forms of ID verification also including the required address verification and yet this company has illegally refused to open investigations. I have attached the dispute letters that I have mailed to them, along with each form of ID. This company had blatantly ignored every dispute request that has been sent to them.

Even the credit repair company who drafted up my dispute letters have mailed this company " along with dispute letters '', a Credit Dispute Authorization Letter in which plainly identifies the company and clearly has my signature and Ip address on it which verifies my authorization for this company to dispute on my behalf.

There is no legitimate reason for this company to reject my dispute letters. I also have attached screenshots directly from their website that clearly state their Identification requirements, and this proves that I followed correct protocol.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : - XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX VERIFY Inquired on XX/XX/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 Balance : {$420.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance XXXX {$1600.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX Balance XXXX {$440.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$1400.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX : {$3300.00} XXXX XXXX XXXX  XXXX Balance : {$120.00} XXXX XXXX  XXXX Balance : {$300.00} XXXX XXXX  XXXX Balance : {$300.00} XXXX XXXX Balance : {$290.00} XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting

Hello .My credit score went from XXXX to XXXX a XXXX point in one day with no apparent reason no late or missed payments the only different thing that happened within the last month is that i disputed XXXX charges from comcast of which i won both .i 've contacted Transunion and no one can answer me as to the reason behind this Im working towards owning my first home and this is a real issue for me. 

Please help me.
Product: Mortgage

On or about XX/XX/XXXX the following unfair or deceptive act occurred : Quicken loan represented that you could process my refinance application without my XXXX tax return being completed. As a condition to close the loan I had to paint my house as a requirement me of closing the loan which was done at a cost of {$4500.00} After being assured 3 separate times including by a representative Quicken Loans executive office my loan could close without XXXX tax returns this turned out not to be the case. I was upfront from the 1st phone call with my constraints. In the end of the day my loan was declined due to my XXXX tax returns not being completed. As quicken Loans records all your call you can verify the facts XXXX XXXX misrepresented itself on 3 separate occasions by listening to the calls. This unfair & deceptive act or practice is, in my opinion, declared unlawful by Section 2 of Chapter 93A of Mass Law
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have inquiries passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

The Credit Center Inc misrepresents the amount owed consistently. I see the amount on my credit reports, however, when I contact them regarding the debt, they state I owe a different, larger, amount.
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized account on my credit report during a recent review. Kindly remove this fraudulent entry, as it is obstructing my ability to obtain credit. This account is unfamiliar to me. 

Account name : XXXX, XXXX & XXXX Account number : XXXX Date opened : XX/XX/2018 Balance : {$13000.00}