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

I initiated a 0 % balance transfer with Wells Fargo in XXXX of XXXX. I have since been using the card for some purchases. Every month I pay the minimum balance and the additional amount I charged on the card for that month. Wells Fargo is applying both my minimum payment and the additional payment to the 0 % portion and not toward the higher interest rate of 22.15 %. The Credit Card Act of 2009 mandates credit card companies to apply the payment above the minimum payment toward the highest interest rate. Instead they are applying to the 0 % rate, and I keep getting charged interest every month.
Product: Checking or savings account

I opened an account with Capitol One Bank online. I made a typo in my Social Security Number. To correct this problem I was required to submit a W9 online. I did submit the W9 ; however, I went into the branch with my social security card, 1099, letters from Social Security and other tax forms but -- -despite asking me to bring these documents and come back with other documents -- -Capitol One has refused to allow me to access my accounts ; though my pay was directly deposited and thus I am unable to pay rent or other bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have been contacting the 3 credit agencies about some accounts which were not created by myself or anyone I know reporting on my credit reports. 

I've sent all the documents they have requested to do a proper investigation and sent it by certified mail each month for the last 3 months and they still have not removed these fraudulent accounts which were not created by me. Every time I call and reach out to ask about the investigation, the company says they have either not received my information and I need to resend it, or they just do not respond to the investigation entirely, and I am fed up because this is hurting my ability to obtain credit and move on with my life. I am trying to get these accounts removed because they are not mine. Here are the details of the disputes I have submitted. 

I sent my last round of disputes by certified mail on : XX/XX/ for XXXX XXXX and XXXX  XXXX XXXX XXXX and several inquiries for credit which I did not commit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm inc has reported to XXXX that I was 30 days late. I have bank statements saying I was not 30 days late and gave them to XXXX. XXXX came back 3 times now as the account stays on my account and the investigation lasted only over night. Affirm inc representatives have said that I have NO late accounts on my account and that I should contact XXXX. When I try to contact XXXX the call machine says I can not talk to a person unless its identity theft.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove 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 XX/XX/year>
Product: Checking or savings account

I have tried to make a payment online to my mortgage company, XXXX XXXX. It's been rejected several times. I have called customer service 5 times yesterday and today. The first 2 representatives told me the issue was resolved and to give the system 30-45 minutes. It did not work. The 3rd representative said to wait till the next day, because their systems re-set every night and those rejections would fall off. I tried doing the payment again this morning, and it was rejected. The fourth call, I was told to find another way to make the payment. And the fifth time I filed a complaint with Chase. Please help as I have been paying my mortgage for the last 8 years with no issues. I will incur late fees if this is not resolved. And I have never been late.
Product: Debt collection

In 2016 it was said that I made an online request for some money. It was not me. NCB management has all they document they need in order to take the collection off, but they are stating I need fraud packet.
Product: Checking or savings account

On XX/XX/13 there was an online purchase made by someone else using my debit card. I received a fraud alert email from chase asking if I authorized a purchase for XXXX. I denied the purchase and called chase customer service right away to freeze my account. My debit card number was canceled and I received a new card. My claim has been denied twice and the only response that I received from a customer representative over the phone was that I had previously bought from that retailer and they accused me of making the purchase. Yes I had several times purchased from that online retailer which I believe was the reason why my debit card information was stolen. From all the purchases I made I had never received a fraud alert email until that day. That is the reason why I contacted my bank right away. I have records of the email and I have sent it over to them. This is the first claim or problem I have ever had with chase and I do not like how the situation was handled. Why would a bank sent me a fraud alert email were I deny the purchase but the transaction still goes through? I need for them to refund my stolen money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keeps changing the " Date Reported '' on all of my old ( paid-in full ) closed accounts. Equifax has been doing this for years. I filed a complaint with them in 2017 and they didn't fix the problem then and they are still doing it. I just viewed my current credit report and they changed the " Date Reported '' again on all of my old ( paid-in full ) closed accounts. They changed the " Date Reported '' to XX/XX/2017 even though these accounts have been paid-in full and closed for 16 years. These accounts were closed 14-16 years ago then there should not be any activity / reporting for any of these old ( paid-in full ) closed accounts. These accounts should not be listed on my credit report since they are over 10 years old since they were closed. Equifax keeps changing the " Date Reported '' because it keeps these accounts listed on my credit report. They are being deceptive by changing the " Date Reported '' on old closed accounts in order to keep them listed on my credit report. Equifax has refused to fix this issue for the past 4 years and they continue to change dates.
Product: Debt collection

I have been XXXX  since around XXXX and did not get out until XX/XX/XXXX This debt was not on my credit report when I went on to see how my credit looked. 
all of a sudden this debt showed up on my credit report. 
I have found that my last name has been changed, addresses that don't belong to me on my credit report and now this debt showed up within the last couple of months but never gave me the chance to state it was my debt by notifying me within thirty days just showed up on my credit report. 
when I disputed it and they say it was correct.
Product: Credit card or prepaid card

Prior complaint XXXX was closed and I am still receiving automated calls and automated messages filling my voicemail after company sent communications that I would not receive further calls. 

You have a copy attached to complaint from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent each credit agency letters stating that the information they are reporting does not belong to me. Each agency is reporting names and addresses that does not and have never belonged to me. 

this is incorrect and needs to be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX I have never lived at these addresses 1. XXXX XXXX XXXX XXXX, CA XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 3.  XXXX XXXX XXXX XXXX, CA XXXX 4. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX 5. XXXX XXXX XXXX XXXX, CA XXXX with all of the fraud and data breeches with the credit agencies I need my information to report legally and correctly on my file. 

I am submitting my id and social please update my name as it stated on these documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

MAJOR issue here. Back in  XXXX ,  XXXX , I contacted  XXXX  after I received a letter about an  XXXX   XXXX  credit card application denial after never submitting an application. I contacted  XXXX , and they told me they would remove the inquiry. I put fraud alerts on my credit reports, and still get hard inquiries. Fast forward to  XXXX , and I 'm still regularly ( at least 2 times a month ) receiving application denials for the  XXXX   XXXX  credit card, which still to this date, I 've NEVER applied for, nor ever want. I contacted  XXXX , again, and was told they 'd remove the inquiries, even the one from  XXXX  still on my credit reports. Then I was told that they were n't going to remove some of the inquiries, and to submit a request for removal with the credit reporting agencies. I did so, VERY begrudgingly, and received denial of removal letters stating, and I quote, " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' As of today 's date   XXXX   is showing : Company Information :  XXXX   XXXX  Date of Inquiry :  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  Experian is showing :  XXXX   XXXX  Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX    Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   Date :  XXXX   XXXX ,  XXXX  And   XXXX   shows nothing.     I 've put a fraud alert with the credit reporting agencies, and still get hit with these inquiries. I 'm at my wits end with  XXXX   XXXX , and  XXXX . Although this is n't so much  XXXX  's issue as they 've reset my  XXXX  account thinking I was a victim of a hacked  XXXX  account. Even after that, the issue is still occurring even after  XXXX  reset my account information. The issue is n't so much with  XXXX , but with  XXXX  repeatedly processing unauthorized credit requests for the  XXXX   XXXX  credit card, as well as repeatedly telling me they 'll remove the hard inquiries from my credit reports, and failing to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this account that is not mine and i want it to be removed from my credit report. 

1. XXXX XXXX XXXX XXXX XXXX Case Number : XXXX This is not mine.
Product: Debt collection

Re : CEASE AND DESIST NOTICE ; ACCOUNT NUMBER : XXXX I am a natural person and federally protected consumer. In pursuant to 15 U.S.Code 1692c ( C ), this is my written notice demanding that you cease and desist all communication through all mediums including ( XXXX, XXXX and XXXX ) regarding this alleged debt. 

Pursuant to 15 U.S.Code 1692e ( XXXX ), the false representation of the character, amount, or legal status of any debt is a violation of federal law. The balance is a positive balance and seems to be owed to me. If the balance was owed in a bank account the balance would be negative. In pursuant to 15 U.S.Code 1692g, I am demanding that you provide me with documentation evidence and provide a contract bearing my signature for this alleged debt. 

Please be advised that if collection attempts continue after receipt of this notice, I will immediately file a complaint with the Federal Trade Commission and the Tennessee Attorney Generals office. 

Additionally, if Im contacted again after receipt of this notice, I will pursue both criminal and civil claims against you and your company for violation of the FDCPA. Please be aware that going forward, after I have confirmed your receipt of this notice, any communications from your company may be recorded to be used as evidence for my claims against you. 

Also, be advised that any negative information appearing on my credit reports pertaining to this account will be handled with the full legal rights and remedies available to me with regards to current consumer protection laws.
Product: Credit card or prepaid card

I am both a Chase credit card and Chase checking customer. I make payments to my Chase credit card from my Chase checking account. Chase immediately reduces my available funds in my checking account by the payment amount on the day I instruct the payment using their online banking service, however, they delay applying the payment to my credit card until the next business day. 

Most recently, I made a significant payment of {$6400.00}, which again, was not applied until the next business day but was deducted from available funds the same day. Interest accrued would be {$2.00}, which while trivial, occurs whenever I make payments. 

My complaint is that the funds are always within Chase. Their failure to credit my credit card balance, while they have debited my checking balance, is simply rewarding themselves at my expense. If I were to pay an external card with Chase checking funds, I would expect those to be immediately debited even though it may take 1-3 days for the ACH payments to be credited to another financial institution. But this funding one side of the same bank ; there should be no delay and no additional accrual of average balance interest. 

Please contact me if more information is required.
Product: Credit card or prepaid card

I have a synchrony care credit card, max charge is {$1000.00}. 

I used the card at vet offices from XXXX to XXXX. 

My total was around {$900.00} spent. I havent used the card since then. Synchrony does automatic 6 months 0 % interest for any charges over {$190.00} However you can not designate money to go to those 6 month promotional charges until after making a payment, calling the company and designating that money to a specific balance. Which roughly takes 35-45 mins. 

Not a huge deal, as I thought Id only pay interest on whatever is remaining. However they back date to the original purchase amount and charge you interest on the entire purchase amount which is extremely misleading. 

After 8 months of payments, my balance has only increase and now my card is maxed out. Despite paying on time, I tried to resolve this with synchrony as I didnt get the option to opt out of the 6 months and was only now made aware of how to pay down a certain promotional balance, which takes 30-45 mins of time to complete. Which is completely unacceptable. 

The fact that I have made {$600.00} in payments, and my balance has only increased.
Product: Debt collection

Portfolio recovery services were contacted and proof that the expenses on that account were done by me. They replied back with a copy of the credit card statement showing the purchases but no receipt proving that was an authorized purchase done by me. in another word, the company was unable to provide proof and evidence that the purchases were done by me.
Product: Credit reporting or other personal consumer reports

On XX/XX/2022 I reached out to The CRA about an address that needs to be removed and blocked on my credit report as a victim of identity theft, they stated the address was removed Today when I pulled my report the address is still there Please block and delete the following address from my report : I am not affiliated with this address and I am a victim of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please see my attached FTC report.
Product: Debt collection

I already filed a complaint against XXXX XXXX XXXX which was closed. 
I provided feedback but I did not get to also say that XXXX XXXX XXXX did not acknowledge that they threatened to put a lien on property that is not even in my name. And this was after I already acknowledged I was willing to pay the debt, but not willing to pay or make double payments.

Im not willing to make payments on debt that was already paid, there is also documented proof of previous payments made.

Only part of the debt is actually still owed and its at least 3 years old. That was also not acknowledged in the previous complaintthat previous payments were already made, documented, and they are trying not to acknowledge those. 
XXXX XXXX XXXX also made sure to be as carefully, insulting towards me as they could.

They also sent me further paperwork trying to force me into a payment plan that I cant afford, trying to threaten and force me to pay the full amount that was already paid on, and threaten me with a lien on property that I dont have. I stated I would make payments so I dont understand why threats need to be made.

They need to be held in check or I fear they could get out of control.
Product: Student loan

On XX/XX/XXXX, I made a payment for {$52.00} on my loan. I got email confirmation from it and that it was processing and then that I was confirmed. When I checked back on the website it said I was past due and I owed money. So I paid it again on XX/XX/XXXX for {$150.00} to make sure I wasnt get late dues or affecting my credit score. 
I then received an email on XX/XX/XXXX saying the payment had posted on the website. It hadnt, I went back and checked it says that my payment was reversed. 

I do not want this to affect my credit score when I have proof I am paying my loan on time. 
I also tried to make payment on these days as well on XX/XX/XXXX for {$150.00}, XX/XX/XXXX for {$150.00}, XX/XX/XXXX {$150.00} and XX/XX/XXXX for {$150.00}. I reached out then and never heard anything. I assumed since loans were paused at the time it didnt matter and maybe that is why they were being reversed. 

I never had a problem paying my loan before and I have always been on time until the loan payments were paused now I can not pay them and I would like to be finished with them and not affect my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX called to ask question about an account that was scheduled to be disputed already and was not. CS rep said I would just have to wait it out then hung up on me, XXXX/XXXX/XXXX went to login to customer portal and found that my account had been deactivated
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXXXXXX XXXX # XXXX : Balance : {$7400.00} Account Name : XXXX XXXX  # XXXX : Balance : {$7400.00} Account Name : XXXX/XXXX  # XXXX : Balance : {$750.00} Account Name : XXXX # XXXX : Balance : {$290.00} Account Name : XXXX XXXX  XXXX XXXX : Balance : {$670.00} Account Name : XXXX XXXX  XXXX XXXX : Balance : {$670.00} Unauthorized Inquiries XXXX XXXX/XXXX  XXXX  XX/XX/year> XXXXXXXXXXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion credit bureau to validate these accounts ( A ). 
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. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : XXXX, XXXX, XXXX, XXXX XXXX XXXX  XXXX, NJ XXXX, USDOE/XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00}, USDOE/XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00}, USDOE/XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00}
Product: Credit reporting

XXXX has been extremely difficult to deal with -- refusing to make changes and even informing the CFPB that they have made changes only to reinsert incorrect information. That is why I know feel that I need to go through CFPB for all issues XXXX. 
XXXX is reporting XXXX hard inquiries on my credit report for a single mortgage transaction. The inquiries come from XXXX XXXX on behalf of XXXX XXXX. 
Mortgage InquiryCreditor TypeMortgage ReportersCreditor NameXXXX XXXX XXXXMDBureau Experian
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning a collections account that has been severely impacting my credit report and causing me significant stress and financial difficulties. The collections account in question is identified as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of its origin or legitimacy. Despite my continuous efforts to rectify this situation with the credit bureaus, the issue persists. I became aware of the collections account " XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX when I reviewed my credit report. This account had a substantially adverse impact on my XXXX XXXX, and I was completely unaware of its existence. The presence of this account has made it exceedingly challenging for me to secure favorable financing terms, obtain credit, and pursue my financial goals. I am writing to seek the CFPB 's intervention in resolving this issue. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, as I have not received sufficient verification of the debt 's legitimacy, and the collections account is unfairly damaging my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I sent a letter to Transunion in regard to inquiries that were removed XXXX of XXXX and then added to my report without my knowledge Apparently around XXXX XXXX,. ( Which they ca n't do without written notice ). The company ignore my request which is why I 'm now filing a complain with the CFBP. 
The inquiries in question are as follow : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
Product: Debt collection

MY PAYMENTS IS DUE AD THEY ALL 3 TIMES BEFORE NOON EVEN AFTER YOU TELL THEM YOU WILL ALL BACK THEY ALL AGAIN AND AGAIN AND AGAIN, YOU ALSO TELL THEM YOU WILL PAY BY A CERTAIN TIME OR A CERTAIN DAY AND THEY SAID OK AND ALL YOU THE SAME DAY. I HAVE RECEIVE A TOTAL OF XXXX CALLS IN THE LAST WEEK FROM THE SAME PEOPLE I AM NOT I COLLECTION WITH THEM I DO OWE THEM I AM NOT SKIPPING OUT ON THEM THEY ARE GETTING PAID I WANT THE CALLS TO STOP.
Product: Consumer Loan

I went to a dealership to purchase a vehicle. The dealer used all of my personal information to call USAA and set up a loan in my name, then requested the check be sent to him. I was then expecting a vehicle, and never received a vehicle and he kept the money. He isnt licensed to finance, and later I found out that he was n't supposed to set up a independent loan in my name. He committed fraud against me, and USAA now is refusing to assist me ... and are trying to force money out of my bank account. USAA  and  XXXX   XXXX  have together committed fraud against me.