23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I took advantage of an " My Chase Plan '' promotion, an interest free payment plan XXXX % interest offer for a {$6100.00} purchase I made on XX/XX/2023. 

On XX/XX/XXXX, I made a XXXX payment from XXXX, but when I got home, I realized I had been given the wrong item. I returned the item and exchanged it for the correct item on XX/XX/XXXX, which XXXX processed as a {$2100.00} merchant refund and a {$2700.00} new charge. 

Chase applied this merchant refund as a payment against my promotional interest-free balance, which meant I immediately owed interest on that amount. 

I called on XX/XX/2023 and spoke to an agent who identified herself as XXXX in XXXX. I explained the situation and she said while Chase 's system could not differentiate a merchant credit and a consumer payment, she understood that the merchant credit should not have been applied to the My Chase Plan promotional balance. She consulted with her manager and told me she had a way to fix things. I have a contemporaneous note from this call that she " advised me to pay {$3200.00}, '' below the balance then due, and that she would sort things out and I would receive a letter confirming the change. ( I recall that she told me on that call that even if the approach she had in mind failed, her supervisor had agreed to circle back and fix things in a different way. ) I did not receive the promised letter and no changes were made to prevent the interest from being charged. I called back on XX/XX/XXXX and spoke with another supervisor, who saw XXXXXXXX XXXX notes, and told me that she had made the request and that he understood why the department that received it might have misunderstood what XXXX was asking but that he would clarify with them and get this resolved in the way she promised. He told me I would get a call to confirm within a few days. 

I did not receive the call. I called back on XX/XX/XXXX and spoke with a supervisor named XXXX in XXXX. She told me they would not be able to make the changes to my account that the two previous reps had promised. She said the full balance was due immediately on the amount of the XXXX refund, or I would continue to incur monthly interest on that amount. She did remove further interest charges that had already been incurred, since they were clearly incurred because Chase representatives had instructed me to pay specific amounts. I pointed out that even if I paid the amount she now said I owed before the next statement, I would have one more interest charge posted against that balance. She told me that if I paid the full interest-bearing balance, I could call back to have the interest removed from my statement once it posted. She told me she would note this on my account. 

Per that conversation, I paid the full ( disputed ) interest-accumulating balance by my due date, and called back on XX/XX/XXXX to request that the final interest charge of {$47.00} on XX/XX/XXXX be refunded. I spoke with a representative named XXXX in XXXX, who apologetically said that she was not able to refund that charge, and that there was no one at Chase who would be able to do so.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX made a hard credit inquiry on my credit files. I got a credit alert from XXXX alerting me that an inquiry had been made. I checked my credit report on XX/XX/year> and identified that the Company making the inquiry was XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX, Oregon. I called the company and advised them that i had not applied for any credit card or other services with their financial organization. The person answering the phone acted as if he did not know what I was talking about. I then went on-line with Transunion Credit reporting and advised the Chat Bot that I needed the inquiry to be removed from my credit report. I was advised that I couldnot email any thing to stop this action. I was told to mail a letter to XXXX XXXX XXXX XXXX disputing the inquiry. I mailed a letter today to both entities disputing this inquiry. This evening I received an email from XXXX stating that I had applied for a credit card ... I didnot,,, which I replied to them in my email.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Above-mentioned Accounts have 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 TransUnion Consumer Solutions 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

I have contacted XXXX XXXX many times before ; last time was on XX/XX/2020 and spoked to XXXX & XXXX about a Fraudulent Medical claim which has been dublicated now even though was paid initially by my Insurance. Both were Unprofessional, Rude & refused to solve & investigate my claim, as it happened every time i contacted XXXX. I believe that XXXX  does it on purpose to consumers in order to sell credit reports with negative items ( which are more expensive ) to XXXX XXXX, as many Studies proves that in addition to that 80 % of XXXX Credit Reports have mistakes. Only a XXXX  Enterprise will act this way, maybe they are. Obviously is known that XXXX  Bribes Corrupted Politicians in order to be in business and Ignore the Law, just like a XXXX. Only in America.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit report, I have noticed that it contains several old addresses that are no longer accurate. These outdated addresses have no bearing on my current credit standing and serve no purpose other than to clutter my report with irrelevant information. I tried to dispute it but it came back as verified.
Product: Credit reporting 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 items 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 items 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. 

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 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 XXXX 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 reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Equifax and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/information below : XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I've obtained a copy of my credit report, and after careful review, I have identified inaccuracies. I am out of any and all authorizations I have given written, unwritten, verbal and non verbal consent. I do not have a contract with YOU, your agents, or your company. YOU continuously report negative items and false and misleading information while attempting to collect alleged debt. YOU have an obligation to protect me as a Consumer. Instead, I am fighting identity theft, defamation, causing harm to me and my financial well being. YOU are also committing Mail Fraud. I have one name, one address, one phone number, and one email.

I am requesting the following : Delegation of Authority What agency/agencies gave you my information without my consent?

How was my information provided to you?

Are you the trustee?
Product: Credit reporting

I recently pulled my credit report and found that my credit was ran without my consent. After speaking with both Equifax and the creditors who ran my credit without consent, I was unable to get these hard inquires removed.
Product: Debt collection

HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH ENHANCED RECOVERY. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX  the company reporting me has having a XXXX late payment. I had balance of approximately {$35.00} and the account was paid in full and should have been reported late.
Product: Money transfer, virtual currency, or money service

In early XXXX, I bought {$11000.00} worth of XXXX ( a cryptocurrency ) on the Gemini crypto exchange. The funds were cleared from my bank and successfully transferred to Gemini. When I attempted to withdraw my XXXX  on XX/XX/year>, I got a notification of a security hold on my account. I emailed Gemini support and they requested I send them a selfie while holding my ID. I took it and sent it to them. Days later, they requested documentation of my source of wealth. As requested, I sent them my employment letter, pay stub from the last XXXX months, and my employment IDs. Then they requested documentation of ownership of my wallet address. I sent them the documents with my withdrawal history from other platforms linking my name, email, and wallet address. I have not heard from Gemini for over 10 days now since I submitted the last batch of documents they requested. 

Gemini 's completely unreasonable security hold has caused me a great deal of undue distress as I was one of the victims of the XXXX crypto exchange shutting down earlier this year with all of my cryptos still locked up on it. Now again with Gemini. How are these platforms allowed to hold users ' funds XXXX without any legal consequences? I demand that Gemini lift the security hold on my account immediately so that I can withdraw the XXXX  that I bought with my hard-earned money.
Product: Credit reporting or other personal consumer reports

A XXXX ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : 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 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 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 or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/202XXXX 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 reporting, credit repair services, or other personal consumer reports

XXXX of XXXX  i sent in dispute letters to XXXX, equifax and XXXX. After learning more about my rights as a consumer, i obtained a copy of credit report the month prior to disputing. I noticed multiple inaccurasies which i detailed in my dispute letter, not one response was made from my dispute letter.

Each of these accounts violated, 15 usc 1681 e b- accuracy of a report, whenever a furnisher reports any information on behalf of a consumer ( me ) it shall follow maximum possible accuracy. Because these accounts have multiple inaccurasies, i demanded them to be removed because they were in violation. To add another reason why these accounts need to be removed from my credit report is each account violating 15 usc 1681 b under permissible purposes i never any of these accounts any written consent to report anything to my consumer reports and because i didnt consent that means fraud to me. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DeptedXXXX
Product: Debt collection

On XX/XX/XXXX I was given a call by XXXX XXXX XXXX XXXX XXXX XXXX XXXX who had threatened me with legal action if I did not pay them money. They told me also my credit would be damaged dramatically if I did not pay. I did end up giving some card information for my payments and was cooperative, however, XXXX did not send me any paperwork or taken action to sue me, which she said they were going to. They used scare tactics in order to have me give them my card information and only from a debit card or credit card.
Product: Credit reporting or other personal consumer reports

XX/XX/2023, XX/XX/2023, and XX/XX/2023 I contacted XXXX, Equifax, and XXXX to dispute a late payment reported by Regional Acceptance account # XXXX. 

On XX/XX/2023 to request validation of debt. 
XXXX Equifax and XXXX report to me the debt is valid, yet the furnisher RA has not ever given me disclosures nor notification of finance charges, nor statements required by law. 

I demand XXXX remove the late payment from my XXXX, Equifax, and XXXX consumer reports. It is damaging and and unlawful.
Product: Credit reporting or other personal consumer reports

Re : Violation of Federally Protected Rights to Privacy and Request for Account Deletion Dear Experian Consumer Assistance, I am writing in regards to several violations made by your company in relation to my consumer report. Your company has broken the law and violated my federally protected consumer rights. 
I under oath to XXXX depose the following facts : Fact : Experian does not have permissible purpose according to

15 USC 1681b ( a ) and has violated my federally protected rights. Fact : Experian has violated my rights under 15 USC 1681d- Disclosure of investig
ative reports and has not given any explanation or proof as to why the disputed items remain on my report. This company has claimed to have completed investigations but has not reached out to any person and has not spoken to ANY INDIVIDUAL OR COMPANY regarding the validity of the data on my reports. THIS IS ILLEGAL!

( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; Fact : Experian has violated my rights under 15 USC 1681C-2 ( a ) by not respecting my initial requests to block information after submission and proof of identity theft on XX/XX/XXXX. 
Fact : Experian has violated my rights as a United States consumer and my RIGHT TO RESCIND under 15 USC 1681C-2 ( c ) the accounts listed below from XX/XX/XXXX. 
Experian has not investigated anything on my report and has not provided any proof of correspondence with any creditor or bank regarding my account as is the LAW. I have requested this information six times since XX/XX/XXXX. This has been documented by the CFPB. It is my right and I am now DEMANDING that the items below be removed from my report. 
Experian has also violated my right to privacy and has blatantly lied about researching and confirming data furnished on my credit report. Because of these violations I am reporting this bureau to the CFPB, the FTC, and to congress. You have not withheld your grave responsibility to protect my consumer information as is your job as outlined by the governing bodies in the United States of America. 
I demand that you remove the following accounts from my report and provide proof of their removal IMMEDIATELY. 
-XXXX XXXX XXXXXXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My wife and I are currently in the process of purchasing a home. On XX/XX/XXXX I was notified by my loan officer that there was a {$200.00} debt in collections attached to my credit report. The debt collector is IC System. Being this is the first time I have heard of this debt I was confused. The debt was placed in collections by XXXX XXXX for allegedly failing to return cable boxes to the company after selling a property they provided service for. The home was sold in XX/XX/XXXX. Being this home is a vacation rental, the cable boxes were actually transferred to the new owners to avoid service interruption. 

My issue is that there was no communication sent to either myself or my wife notifying us that XXXX still believes there is a debt. Spectrum failed to communicate the issue and IC System also failed to communicate the issue. I spoke to an IC System representative on XX/XX/XXXX to discuss their process. The rep said phone calls were made to my cell phone number and also my wife 's cell phone number. She confirmed that the phone calls do in fact show up as " XXXX '' on the call ID and that they do not leave voicemails of any kind. How is a consumer supposed to be notified of an issue or even think the issue is legit if no call back message is left or even instructions on who to contact to settle the debt? The rep also said XXXX letter was mailed to our primary residence in XX/XX/XXXX stating the debt issue. It was confirmed by the rep that the letter was not certified and there is no means to actually verify that we received it, which we did not. 

The {$200.00} is irrelevant. With proper notification it would have been settled. My XXXX  is that my credit score has dropped from XXXX to XXXX for a debt that I was unable to resolve because of poor communication. Since my credit score has dropped so much I am now being offered second tier mortgage interest rates instead of the best rates on the market. The home we are currently purchasing is nearly $ XXXX. Even a XXXX basis point change in my mortgage interest rate will cost me hundreds of thousands of dollars over the life of the loan. It is extremely frustrating. I was told by the IC rep that even if I paid off the debt my credit score still probably won't return to it's rightful level in the immediate future. 

The entire process conducted by both XXXX and IC Systems feels predatory and illegal from every angle. Any help is greatly appreciated on how to proceed. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/XXXX, I submitted a complaint due to improper use of my credit report by XXXX, XXXX, and Equifax. Today is XXXX XX/XX/XXXX and I have not received anything in regards to the fraudulent items being removed from my credit report. I have requested to receive validation made pursuant to the Fair Debt Collection Practices Act ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation. Please also be aware that the negative marks found on my credit reports ( including XXXX, XXXX, and Equifax ). As a victim of identity theft, the credit bureaus have continued to defame my name, provide negligent enablement of Identity Fraud and violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. 

Tracking number from XXXX Equifax XXXX Equifax XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I received an email alerting me that my XXXX loan was turned over to a collection agency called Midland Credit XXXX. I did not contact them immediately due to a hectic schedule, which included being a XXXX, going through a XXXX, and working a full-time job. Additionally, I had XXXX illnesses in XXXX that sent me to urgent care. On XX/XX/XXXX, I was XXXX XXXX XXXX XXXX XXXX XXXX. I am still recovering and under a doctor 's care. I am not making excuses, but I have been a little busy. This morning, I received a call from XXXX XXXX at XXXX XXXX. Initially, he did not identify himself or why he was calling. He began by asking if I was XXXX XXXX XXXX. He then stated by exact birthday including the year. This was alarming. I thought it was a scam or identity theft. I tried cutting him off to determine who he was, but he kept talking over me and mentioning more of my private information. When he finally told me who he was and that I owed {$17000.00}. I told him that was more than I initially borrowed and that I had made regular payments for over a year. I told him I was walking in to work and could not talk but he kept talking. He demanded I pay the full amount today. I told him it was obvious I did not have it. I told him I was at work. I said call me after XXXX XXXX  tonight. He said he did not work that late. He said I needed to find time to talk to him today or I would be turned over to an attorney who would garnish my wages. I told him I am too busy today to speak at all. He would not let me off the phone until I agreed to speak with him tomorrow at XXXX Eastern time. 
My complaints : ( 1 ) Rude and pushy ( 2 ) Threatening phone call ( 3 ) Refused to call its convenient for me. he coerced and bullied me into accepting a call at an inconvenient time.

( 4 ) Kept talking and refused to hang up after I told him I was at work. he kept talking as I entered the building and people greeted me.

( 5 ) The interest rate they are charging is 5 % higher than the original debt.