23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion showing two medical collections listed by XXXX for {$780.00} and {$500.00} XXXX stated to me that the collections submitted by XXXX to them was for x spouse and do not belong to me i was not the patient I spoke To accounting at XXXX XXXX who stated she could not call XXXX to tell them the bills did not belong to me however XXXX says they cant remove unless XXXX calls them as they couldnt verify I was really XXXX XXXX even though XXXX stated i was not the patient they still needed XXXX to call XXXX said finally said they would call to remove but haven't i have disputed with Transunion but they still have not removed these two accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Balance : XXXX
Product: Credit reporting or other personal consumer reports

I received a hard inquiry on my credit report dated XX/XX/year> for a home depot loan which I personally was not the one who applied for that loan. I wish to have that removed from my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

I obtained a loan for XXXX dollars. I was desperate and I did not realize that once done I will have paid back the loan 4 times over. 754.75 % Interest rate
Product: Credit card or prepaid card

I was unaware that the security deposit was what I needed to activate card and would like my  XXXX  dollars refunded
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy 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 XXXXXXXX Balance : {$650.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$530.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX : {$180.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$230.00} ; XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$100.00} ; XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$350.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$60.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Payday loan, title loan, or personal loan

This loan was acquired in XX/XX/XXXX with a monthly payment of {$720.00} and at the time I was never told the interest accrued daily but was told I could make principal payments and there was no prepayment penalty. I have been attempting to make an additional {$100.00} toward the principal since XX/XX/XXXX with the exception of XX/XX/XXXX additional payment was {$73.00}. Per my welcome letter, additional monies would be applied towards the principal in accordance with the contract and once I realized the overage wasnt being applied to principal, In XX/XX/XXXX I spoke to a XXXX which said I must add a memo designating such. I informed her that I pay through online banking and at that time I couldnt add a memo. She agreed that a flag would be placed on my account designating all overages should be applied towards Principal and would contact the XXXX XXXX to re-apply the overages. In XX/XX/XXXX I began to send the overage separately and after my monthly payment in hopes to alleviate the confusion to no avail. I have talked to several Managers with promises of correct this problem and still no resolution. This is frustrating and very disappointing because I am trying to shorten the terms of this loan without success. Also the terms of this loan changed on XX/XX/XXXX without notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX I never got my one time {$25.00} credit yall promise to give me proof. to my account and is active to add to XXXX XXXX. As of XX/XX/year>, the debit card has been activated with XXXX XXXX. If you wish to open a savings account in the same titling, you will have to visit your local branch. If you are requesting to open a new savings account as sole owned or joint, you can visit wellsfargo.com or your local branch. As a courtesy, we opted to provide you a {$25.00} credit into the checking account. XXXX  reviewed the account and was able to confirm that no bonus offer code was added at the time of account opening. You would have had to present the bonus offer code at the time of opening. The account opened on XX/XX/year>, is the only account under each My name is XXXX XXXX XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB : and my old account number is XXXX and my online banking username XXXX please add the {$25.00} credit to my new account checking number is XXXX because my old checking account number XXXX is closed and cant get money there if its there transfer the {$25.00} to the new account number is XXXX or add it there at XXXX thanks and please etc and here is proof below etc.
Product: Debt collection

XX/XX/year> XXXX  XXXX XXXX XXXX XXXX  I wasnt aware of any of these and I need both remove off my credit because its stopping me from getting approved
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that Experian has failed to respond to my inquiry dispute letter that I sent certified mail on XXXX XXXX, XXXX. As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. According to the USPS, Experian received my dispute letter on XXXX XXXX, XXXX. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I closed my XXXX account with Synchrony Bank on XX/XX/XXXX because I considered their new interest rates exhorbitant. I made several payments to pay off the balance. I thought I paid them off in full on XXXX XXXX with a payment of {$81.00} and threw away everything I had to do with this company. I received an alert from XXXX, my credit report monitoring company, that I owed them money and that my account was 30 days overdue. They said that my balance had been {$89.00}, not {$81.00}. I asked why I had not received any request for the balance via XXXX mail, email or phone. They insisted that I must be wrong because they checked their system and it said they had sent it out. When I pointed out that things sometime get lost in the mail or delivered to the wrong address, she told me it was not her problem and that I should go to the post office to complain! At this point, we were talking about less than {$10.00}. I filed a dispute and eventually got a letter from them saying I was wrong and they were right. I also filed a dispute thru XXXX because of the negative effect it was having on my credit rating. By this point, they said I owed them {$25.00}. They turned down that dispute as well. About a week later, I threw in the towel and made the disputed payment over the phone. The very next day I got an email from XXXX stating that my credit report had plummeted another XXXX points because these fools had reported me as being over 60 days late. 

How can one company single handedly destroy my credit rating over a disputed {$25.00}? It took my decades to get my credit rating to exceptional and it is now only " fair ''. I am a senior citizen and this stain will be on me until I die. Does this punishment fit the " crime '' of questioning them? There is nothing fair at all about how I am being treated and spoken to by unreasonable people. I ask you : look at my credit history and tell me why I would torpedo my credit score over {$25.00}? A reasonable person would say there is clearly no fraudulent or criminal intent.
Product: Credit reporting or other personal consumer reports

Even though I acknowledge your efforts in addressing some fraudulent entries in my file stemming from purported fraudulent activity, there still remain items that urgently need removal. Again, as a victim of fraud, I hereby request again, the deletion of remaining items from my credit file, which arose from said fraudulent activity. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are mandated to expunge any such items no later than 4 business days following XX/XX/XXXX. This issue was previously highlighted in an FTC report and complaint, and I am referencing it once more with the new FTC Report XXXX XXXX. Additionally, the details associated with these items are unfamiliar to me and have been eliminated by other bureaus, casting doubt on their preciseness. This complaint serves as a notice that failure to remove the specified items from my reports may compel me to initiate legal action. My attorney has been informed of my intentions and stands ready to pursue accountability for any deliberate non-compliance. This message constitutes my latest notice to you, requesting the removal of items linked to alleged fraudulent activity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  credit card with XXXX XXXX XXXX XXXX XXXX. XX/XX/2022 I paid credit card in full in the amount of {$1600.00}. ( XXXX balance ). XXXX statement showed a balance of {$68.00} which was not a charge I made therefore I reported to XXXX XXXX and they stated they would file a fraud claim. During the mean time we received a new XXXX XXXX XXXX credit card. I did not activate the card, I destroyed the card and contacted XXXX XXXX to close the account. I received from XXXX XXXX XXXX XXXX  a letter dated XX/XX/2022 that my account was past due and my credit limit was reduced from {$3500.00}. to {$350.00}. because of past due account. The new card issued had a balance of {$4.00} and we received no statements or any notifications regarding account status. We have had numerous contacts with XXXX XXXX to correct this problem balance of {$4.00}. We received notice via computer of an adjustment of {$5.00} which left the card with a credit balance of {$.00}. The report to all the credit bureaus adversely effects my Credit Score from XXXX to a XXXX. I have never had any past due payments in the past on any account. I would like to Thank you for assisting me in getting this resolved and my credit report back to it's original score.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date, XX/XX/year>. Since then the account has been repeatedly updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I opened this account with XXXX XXXX around XX/XX/XXXX and I had a Credit Limit {$3200.00}. In XXXX I purchased a XXXX XXXX for {$240.00} and I setup AutoPay, In XXXX, XXXX my balance was XXXX " XXXX '' thru XX/XX/XXXX when I purchase a New Phone for {$630.00} after Rebates and deductions and had AutoPay still turned onXXXX while checking my Credit scores, I noticed a significant drop in my XXXX score on XXXX. I examined where the cause of the score drop was and it indicated it was from XXXX XXXX. I immediately called XXXX XXXX and spoke with someone in account services and they transferred me to their credit services division. I explained that my AutoPay was still on and active when I signed into my online account and my payments weren't debited for two ( 2 ) months like they were in the past. The person told me that once my Account reaches XXXX XXXX XXXX '' balance, I have to go back online and turn-off and turn-on AutoPay again for it to be reset. I told her none of my other credit cards doesn't operates that way, but she insist that what I should have done. She said there's nothing she could do. I filed a sispute with XXXX and nothing came of my case.I have all my credit cards on Autopay and I don't believe my XXXX score shold lowered because XXXX XXXX website was not functioning as it should.
Product: Credit card or prepaid card

On or about XX/XX/2023, I upgraded my XXXX XXXX Credit Card with Chase bank to the XXXX XXXX XXXX Credit Card with Chase Bank. 

The offer I was presented with, to which I spoke extensively with a representative, referred to the following offer : -- XXXX bonus miles : after you spend {$5000.00} in purchases during the first 3 months your account is open. 
-- These card products are available to you if you do not have the same card and have not received a new cardmember bonus for that card in the past 24 months. 

The Chase Agent assured me that as I had never upgraded a card in 12 years, nor had I ever possessed this specific card, that this upgrade was eligible for the new card XXXX point bonus upon spending {$5000.00} within 3 months ( this conversation took place on a recorded line ). 

A friend of mine also signed up for the same bonus, on the same credit card, on the same day, and had a countdown showing how much more was needed to spend towards the {$5000.00} to qualify for the XXXX point bonus. My account did NOT show the same information which prompted me to call Chase. 

I was told by Chase that the plan I was on for upgrading my card was actually only eligible for XXXX bonus points. I requested they pull up the recordings from approximately 10 days prior as I was told differently when applying for the card. I was told I would receive a letter informing me of the decision. Shortly after XX/XX/2023, I received the attached letter informing me I was ineligible for the bonus miles. This was a bait and switch and therefore illegal. 

The main reason I applied for and obtained this card was based on the assurance I would receive the bonus miles. Had a Chase employee not assured me I was eligible for the bonus, I likely would not have upgraded to this card. There is a substantial change in yearly payment as well, from {$95.00} to {$520.00}. 

At this time, I do not wish to downgrade back to my original card, I would like to be awarded the XXXX points I am due upon spending the requisite amount and an additional XXXX for the inconvenience obtaining what I am entitled to has caused me. I have already spent almost {$3000.00} of the {$5000.00} required due by end of XXXX, 2023. I will likely reach that by the end of XXXX, 2023. 

I have a {$15000.00} limit on this card and spend it every year very actively, and pay it off every month. I have been a cardholder with Chase for over 12 years and would expect better from a bank that has had my loyalty for all these years.
Product: Bank account or service

On XX/XX/2016, I went to a CHASE ATM located at XXXX XXXX XXXX XXXX, XXXX FL XXXX ( ATM Term ID XXXX. ) I went there to deposit {$1000.00} in cash in {$20.00} bills. The first {$600.00} went through perfectly, but for the remaining {$400.00} the ATM took in the cash and then displayed an error on the screen, telling me it was unable to put these {$400.00} into my account. It also said I should call a number to fix this problem, and indeed I called this Chase Customer Support number and spoke with a woman. This lady said that a temporary credit of {$400.00} would be applied to my account while the ATM error was looked into. Roughly two weeks later, I received a letter from CHASE stating that my claim was indeed true and the ATM had a problem as I said, and so the {$400.00} credit previously applied became permanent and I thought this was over with ( Claim ID : XXXX. ) Around 4-5 days later, I was notified that the {$400.00} had actually been taken away from my account and I was overdrafted, even though my claim had gone through and the money was meant to have been given back to me. I called customer service again and they said my previous claim had been denied by the bank ( even though I had received a letter stating the opposite from them before ), as they said the {$400.00} I previously failed to deposit on XX/XX/XXXX were never in the ATM to begin with. I am thus demanding an investigation of this issue, as someone clearly took those {$400.00} and I am being denied the {$400.00} credit of my account. The events I described as the truth and I testify that on XX/XX/2016 I deposited those {$400.00}, but it was the ATM that was at fault. I would want them to check the security footage or anything else at their disposal to prove that the ATM took my {$400.00}.
Product: Credit card or prepaid card

The company " Transunion Credit Bureau '' charged me {$19.00} for a membership without my authorization. The website doesn't inform you that you will be charged for registering on the website. This company is a completely fraud and wants you money!! You can't hide any cost from people in order to trick them, it's not ethical to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert on my credit file. Someone keeps applying for credit in my name. Ive contacted the credit bureau on several occasions. I was finally able to update my phone number. So that the companies could call me to see if I applied for credit. 
XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, 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 Input an inquiry on my credit which was completely unauthorized and I do not recognize nor provided them access to my credit. I looked up that XXXX means XXXX  and XXXX, I do not even own a home, this is utterly and completely fraudulent.
Product: Mortgage

XX/XX/2022, i called PHH MORTGAGE CORPORATION to request verification of the alleged debt as no contract between the parties nor was any money including but not limited to, Commercial Bank Money was ever issued to any party and PHH MORTGAGE CORPORATION is refusing to present the original note with valid signatures, an audit trail of all accounting including but not limited to the origination of alleged money and how it was transferred and its trail nor is PHH MORTGAGE CORPORATION and its representatives willing to verify via affidavit of their claim by man or woman ; yet, have unlawfully presented forged documents in order to unlawfully collect on a debt not owed.
Product: Credit card or prepaid card

Incorrectly reporting late payments during pandemic under Cares act The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. No. 116-136 ( XXXX. XXXXXXXX XXXX ), at section 4021, amends the Fair Credit Reporting Act ( FCRA ). A new subparagraph ( F ) is added to 15 U.S.C. 1681s-2 ( a ) ( 1 ).

New Credit Reporting Rights Under the CARES Act If a consumer is able to obtain a covered accommodation, the CARES Act offers the following protections : If the consumer was current on an obligation at the time of an accommodation approval, the account must be reported to CRAs as current if the consumer is complying with the accommodation agreement. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( I ). 
If the consumer was already delinquent when the consumer received the accommodation, but complies with the accommodation agreement, the creditor or other furnisher must report the same delinquency status during the accommodation period. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( aa ).

If a delinquent consumer manages to catch up during the accommodation period, the creditor or other furnisher must then report the consumer as current. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ).
Product: Credit card

Ok it started with XX/XX/XXXX at XXXX XXXX  they took XXXX XXXX XXXX XXXX at XXXX XXXX. they took XXXX XXXX XXXX XXXX at XXXX XXXX  they took XXXX $ XXXX at XXXX they took XXXX $ XXXX XXXX they took another XXXX $ and finally the one that XXXXXXXX XXXX XXXX  back XXXX at XXXX they took XXXX from my account and I made sure my card was locked and my virtual card that was connected to my cheeking I made sure that was froze so I'm really devastated and confused on how and why and how chime can keep allowing this to happen. I been out my deputes in and they never give me my money back.