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

I applied for the Chase Slate card on XX/XX/XXXX and was immediately approved. The following day on XX/XX/XXXX at XXXX XXXX I called Chase credit card customer service to discuss a credit limit increase. When I spoke with a representative she told me in order to consider me for a credit line increase they would need to pull a new credit report. I explained that they had just pulled my credit 10 hours ago which is how I was approved in the first place. The representative continued to repeat herself like a parrot and I wasn't able to get an answer as to why they couldn't use the credit report that was just pulled. I asked to speak with a supervisor and was told the same exact thing. Neither representative would or could tell me why they had to re-pull my credit report after just pulling it hours ago. I was approved via an automated system and all I was wanting was a human being to review my credit as my existing credit limits range from {$23000.00} to {$38000.00} and the Chase card was approved for {$9500.00}. Most times when you call they are willing to review the application manually and increase the line. I happen to be in the financial world and am an expert on credit. The practice of pulling someone's credit twice within hours of each other should be prohibited as it is unnecessary and excessive. I'm asking someone to look into this and get back to me with a response. Chase should be penalized for this business practice.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear sir, I have received a credit card for XXXX XXXX which ending XXXX XXXX XXXX. As I stated several times to your company, I do not have any intention to have your company card, especially by receiving this card which I never asked to make. Since I believe that the credit card should be issued after the legal sign, your company provide the official document which prove your legal right to allow your company creating my card. I state clearly, I have never had any wish to have your company credit card after the issue of rewards certificates started. Please provide me the official and legal excuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, OH, XXXX Please see attached the debt validation letter and the cease and desist that was sent to XXXX XXXX back in XXXX. XXXX XXXX has failed to send any form of validation after it was requested by I, XXXX XXXX, the consumer who is in fact a natural person, original creditor, lender, executor, and administrator. XXXX XXXX has also chosen to disregard the cease and desist which was sent to them. I, XXXX XXXX, who is the consumer and original creditor am the only one who is able to validate this alleged debt as said so by congress under the FDCPA, 15 USC 1692g. Both XXXX XXXX and Experian has and continues to invade my individual privacy, as congress has said so under the FDCPA 15 USC 1692 ( a ). There is no law that says a debt collector or consumer reporting agency MUST report any information to a consumer report. The law DOES say under 15 USC 1681b that a consumer reporting agency can only furnish a consumer report in accordance to written instructions by the consumer to who it relates. I, XXXX XXXX did not give neither XXXX XXXX or Experian any consent. No consent is identity theft. This is a communication and final notice to cease and desist and pursuant to 15 USC 1692 ( c ) ( c ) ( 2 ). I am invoking my specified remedy to : 1. XXXX out the balance of this alleged account.

2. Delete any and all references to this alleged account.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXXXXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXXXXXX 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 Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXXXXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

I demand that you exclude the following transactions from my consumer report. According to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; and 15 U.S. Code 1681b ( a ) ( 2 ) ( a ) In general ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

See transactions below. 

RECORD XXXX XXXX XXXX XXXX XXXX Bankruptcy Filing Number : XXXX Bankruptcy Case Status : 1 Original Bankruptcy XXXX XXXX XXXX Bankruptcy Case Filed in Error : FALSE Bankruptcy Status Type : CLOSED Date Bankruptcy Status Last Updated : XXXX Record Source : XXXX Bankruptcy Court Details : Filing Details : Court Name : XXXX XXXX XXXXXXXX Voluntary or Involuntary : Voluntary XXXX XXXX : XXXX Individual or Joint : INDIVIDUAL Judge Name : XXXX XXXX XXXX Bankruptcy Jurisdiction : OH Proceeding Judge Initials : XXXX Filing Date : XXXX Recording Date : XXXX Number of Petitioners : SINGLE DEBTOR Additional Details : Split Case Indicator : FALSE Transfer Indicator : FALSE Scheduled Close Date : XXXX Bankruptcy Reopen Date : Assets Available : Yes
Product: Payday loan, title loan, personal loan, or advance loan

Net credit owned by Enova is not a regulatory lender or bank. They allegedly service the loan for XXXX XXXXXXXX XXXX XXXX and charge usurious interest rates They are reporting an account on my credit report with an interest rate that is illegal in XXXX  and subject to civil and criminal penalties. The law states : XXXX  law regulates interest rates on personal loans through the usury laws, which are codified in the XXXX  Compiled Laws Service ( XXXX  ) : Civil usury The legal interest rate is 5 % per year, but parties can agree to a rate of up to 7 % per year in writing. 
Criminal usury The rate is 25 % per year. 
Penalties Lenders who charge a rate considered civilly usurious can not collect any interest, fees, attorney 's fees, or costs. Those found guilty of criminal usury may be imprisoned for up to five years, fined up to {$10000.00}, or both. 
Borrower 's remedies Borrowers who are victims of usury can recover attorney 's fees and court costs from the lender. 

The current allowable interest rate in XXXX  is 36 %. Net credit has 64 % interest and is not covered by the laws that protect regulated, financial institutions. This account must be removed from my credit report immediately Net Credit and the parent company Enova have settled a {$15.00} XXXX lawsuit and is facing another lawsuit for predatory lending. I have filed a claim with the XXXX  Attorney General 's office as of today
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate XXXX XXXX 30 day late
Product: Prepaid card

I had received a {$100.00} Vanilla Visa gift card for XXXX. I tried using the website to verify the balance/activate the card. The website said there was an error and I needed to call. I called Vanilla Visa customer service ( XX/XX/XXXX ) and they were unable to tell me any problems and we opened a case to escalate. Since that date of initial opening they have requested documentation to prove that this card was given to me and I provided them the documentation provided. Each time they extended the resolution date and stated they are still working on the unknown issue. I called on XX/XX/XXXX to get some type of resolution and they stated they are sending out a replacement card and I should keep an eye out in the mail. I received a card in the mail XX/XX/XXXX and I called to activate the card and the card they mailed holds a balance of {$0.00}. They sent me a card with no funds. I called customer service again to find out what is the issue and they said that are escalating the issue and I should possibly hear back from someone in 4-7 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 accounts 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 accounts 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. I found that under section 605b ( a ) Experian shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 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 dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}. 

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: Credit card

This has been ongoing for almost 2 years now I keep getting every month a credit card application from Chase I call them and tell them I would never open a credit card through them I asked them to ask for an ID whenever the person is applying they will never do it I have had to have my credit report frozen and anytime the freeze expires then a new credit card application comes through this is damaging my credit report as it keeps making a hard inquiry when I am not making it please get the stopped
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in 3 requests to freeze my Sagestream and they have all been ignored. I requested a security freeze online and twice by mail. I have called and left over 10 messages and still have not received a response. I sent out my most recent letter on XX/XX/XXXX. On XX/XX/XXXX I requested a security freeze on the Sagestream website. My initial request was sent XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Account Type XXXX - Credit Extension, Review, Or Collection Account Status Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department Payment Type Installment Responsibility Individual
Product: Credit reporting or other personal consumer reports

To whom it may concern : I just checked my credit and found some inaccuracies. According to the Fair Credit Reporting Act, Section 611 of FCRA you have a responsibility of promptly deleting any information which is inaccurate or incomplete so it doesn't get reported in my report! This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any waythe burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form JPMCB - CARD SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal employs a deceptive fee structure on XXXX sales in which the advertised 2.9 % + {$0.00} fee is applied to the sale price plus a hypothetical 6 % tax value ( even when no tax is collected from the sale ). This results in an excess fee of 0.00175 % per sale collected by PayPal.
Product: Credit card

I have contacted Wells Fargo numerous times about automatic platinum elite status that comes with my XXXX XXXX XXXX  credit card. They continue to deny it has anything to do with them and refuse to send over the qualifying nights to my XXXX XXXX account so I will have platinum status, even though this is one of the benefits and is in the contract with Wells Fargo. I am paying for this benefit with my annual fee and yet they are not providing the benefits on their end and will not rectify the situation. 


AUTOMATIC PLATINUM ELITE MEMBERSHIP Receive XXXX XXXX XXXX  credits qualifying for at least Platinum level status each calendar year.
Product: Payday loan, title loan, or personal loan

I have gone to this company ( Easy Money ) in XXXX, Tn. XXXX about my account. I took this loan out on XXXX XXXX, XXXX, I have been making monthly payments of {$170.00} or more each month. The amount of money that I received was {$900.00}. I have asked the manager at this store about why is balancing going up each month. I have paid on this account $ XXXXWhen I got this loan, it was told to me that the loan would be for 1 year. I received a statement that my balance is still {$910.00}. I did not make a payment on this loan in XXXX, XXXX because I had paid on it for a year. I went to the store and talked to the manager in XXXX, XXXX about this. she told me that I would have to talk to the Corporate Office, I asked for the phone # for the Corporate Office but she said that she could not give it to me. I went back to the office on XXXX XXXX, XXXX and I complaint to one of the associates, she then gave me the corporate Office #. I called the office but I could not get any resolution in talking to one of the customer service rep.
Product: Credit reporting or other personal consumer reports

Ref CFPB complaint XXXX. XXXX Subject : Demand for Deletion of Inaccurate Account Reporting by Chase Bank I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) of evidence that demonstrates the inaccuracy of reporting by Chase Bank on my consumer report. This evidence not only highlights inconsistencies but also directly conflicts with the information being reported, thereby violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Account Details : Charged off credit card acct no ending XXXX Consumer Report Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX CFPB Report Reference Number : XXXX Disputed Account : JPMorgan Chase Bank ( JPMCB ) # XXXX Evidence of Inaccurate Reporting : I have obtained documentation and records that prove the reported information regarding the above-mentioned account is inaccurate and does not reflect the true status of the account. Furthermore, conflicting evidence exists that challenges the validity of Chase Banks claims and the reporting accuracy. Despite providing this evidence during prior disputes, the inaccuracies have not been corrected.

Violation of FCRA Guidelines : Under the FCRA, consumer reporting agencies and furnishers of information are required to : Conduct Reasonable Investigations : Failure to properly investigate disputes violates 15 U.S. Code 1681i ( a ), which mandates a thorough and reasonable investigation into consumer disputes.

Ensure Accuracy of Consumer Reports : Reporting inaccurate or unverified information contravenes 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum accuracy of the information.

Given the evidence provided, the continued reporting of inaccurate information is unlawful and unjustified under FCRA guidelines.

Demand for Resolution : Based on the clear violations outlined above, I demand the following : Immediate Deletion of the Account : The inaccurate and conflicting reporting by Chase Bank regarding this account must be removed entirely from my consumer report. 

Notification of Corrective Action : I request written confirmation once the deletion has been completed and my consumer report has been updated to reflect the correction. 

Request for CFPB Intervention : I urge the CFPB to take immediate action to investigate this matter and enforce compliance with FCRA guidelines. It is imperative that Chase Bank and the credit reporting agencies involved are held accountable for their failure to ensure accurate and fair reporting. 

Thank you for your attention to this urgent matter. I trust that the CFPB will address this issue promptly and take the necessary steps to protect my rights as a consumer under federal law. Should you require additional documentation or evidence to assist with your investigation, please do not hesitate to contact me directly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was alerted by XXXX identity theft protection that a CC account had been opened in my name and SS # on XX/XX/22. The account was detected by XXXX. The account was open with AvantLLC/web bank ; account XXXX. 
I followed up with Avant bank with the help of XXXX. Avant- has agreed to look into the matter.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Charge off XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : $ XXXX Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XXXX XX/XX/XXXX
Product: Vehicle loan or lease

Credit acceptance blind sided us and hid the actual interest their charging, we agreed to the loan not knowing they were gon na charge us double interest they are charging us XXXX percent interest then charging us {$200.00} interest each month we pay how are we suppose to pay this used car off if they take each payment for interest the initial price was {$11000.00} and weve paid on it for a year at {$320.00} and we still owe {$10000.00} the lender failed to mention any of this extra stuff when we got the loan and they didnt ever send us our agreement papers explaining the cost they didnt tell us the cost when we got the loan the agreement was 36 months and at the interest rates were being charged we wont even have it paid off in 5 years.
Product: Debt collection

After trying to fix this with the company that is on my credit I was told that I will be committing a crime if I dont pay this debt. My identity was stolen many years ago and after them telling me they got this debt from XXXX XXXX XXXX has told me I dont hold him nothing and they never sold my information. I need this off my credit/debt collection as soon as possible
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!