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

Chase Bank : Original complaint : Case XXXX Referred from Office of the Comptroller of the Currency, CAG. 

Payment was made over the phone to closed Chase card on XX/XX/2018. According to XXXX XXXX XXXX, the agent " misapplied '' funds, so that the funds were not deposited into account until 14 days later. This resulted in credit reporting with late payment. I called Chase bank personally on the XXXX, and again on the XXXX asking where the funds were. The bank only stated that the funds were not paid, refused to look for payment, and did not want confirmation number showing the funds were transferred out of my account to Chase on XX/XX/18. 

After notification to Chase, I was told that bank could not " correct '' negative information. Additionally, they re-reported the " late payment account '' after notification of their mistake, and my account closed with a {$0.00} ballance. 

This directly caused an increase in my insurance quoting for my business and home. This was the only negative information or change to my credit reporting between quote and notification of final cost.
Product: Mortgage

My Stearns loan is being serviced by XXXX. I never had an escrow agreement for XXXX to pay my insurance or property taxes. But they started paying my taxes, unknown to me. I was also paying my taxes. I paid all my monthly mortgage payments on time, but they kept part of it and so did not apply it to my loan. When I called in they would say they did not have proof of insurance so XXXX times I faxed it in, and customer service would say they would correct it. This never happened and so the loan kept showing in arrrears. Even though I have never missed a payment, my due date remained unchanged at XXXX XXXX, 2014. It was placed in default and I eventually had to pay what they said was the balance due to clear it. As a result, my credit was damaged as it kept showing late payments and default. The loan is now current but there is still the erroneous late reportings. I have never missed a payment, but XXXX has grossly mismanaged this account and caused the missed payment reportings to the bureaus.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a serious matter that has come to my notice recently. Upon reviewing my credit report, I have discovered several fraudulent inquiries that I did not initiate. These unauthorized inquiries have significantly impacted my credit standing and raise concerns about potential identity theft. I am deeply concerned about the presence of these fraudulent inquiries as they may not only damage my credit score but also indicate possible fraudulent activity on my personal information. I have taken great care to safeguard my sensitive details, and the existence of these inquiries has raised alarm bells regarding the security of my personal data. I would like to emphasize that I did not authorize any entity, individual, or organization to inquire about my credit history. 
I demand immediate investigation and removal of these unauthorized inquiries from my credit report to rectify this distressing situation. To assist in your investigation, I have enclosed a copy of my credit report, highlighting the suspicious inquiries in question. I urge you to take prompt action to rectify this matter and restore the accuracy of my credit history. Additionally, I request written confirmation once the inquiries have been removed and any corrective action has been taken. Furthermore, I have already taken steps to protect myself from potential identity theft by placing fraud alerts with the three major credit bureaus. However, I am relying on your expertise and assistance in addressing this matter thoroughly and preventing any further damage to my credit reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I expect that this right will be fully respected throughout the resolution process. I expect to receive your written response within 30 days of your receipt of this letter, as stipulated by the FCRA. Failure to respond within the stipulated timeframe may result in my escalation of this matter to the appropriate regulatory authorities and legal action if necessary. 
The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
Product: Vehicle loan or lease

My car was repossessed by Bank of America on XX/XX/2021. I called the bank prior to this and asked them if there was anything they could to do to help me. I told the customer service agent that I had family sending money to me through the mail to pay my balance due ( around {$400.00} ). A few days after that phone call they took my car. They didnt offer any sort of payment plan or deferment. Im a single mom of two teens and I have medical issues. Im on XXXX. I relied on my car to get me to weekly doctor appointments and XXXX. I have no way to get to those appointments now as I dont have any friends or family close to where I live who can help with rides. I cant pick up my boys from their dads house so Im unable to see them much. 
When I made that phone call prior to the repossession, the customer service rep told me that I had to pay the loan off in full in order to get my car back. Obviously, that isnt possible when youre on a fixed income. I had been paying my car payment consistently for 3 years before this happened. I missed 3 payments because there was a suicide in my family ( so I was out of town for the funeral and grieving ). Also, My son went into septic shock after XXXX and was life flighted to another town. So I was out of town focusing on him for a while. He nearly died. It has been a very tough year. I wish they would have been willing to work with me. I bought that car with money that my dad left behind after his sudden death. 
I called Bank of America today and they said that my car hasnt gone to auction yet. They are still charging me for late payments and fees. I had my loan down to almost {$3500.00} and since it has been repossessed the loan about is now around {$4700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed two accounts twice with all credit bureaus, Equifax, XXXX and XXXX. The errors are still not fixed and the accounts are still reporting on my credit reports. The account with XXXX XXXX XXXX  was sold to XXXX XXXX. Both accounts are on my credit reports. I disputed the information reporting on both accounts. The credit bureaus allowed both companies to verify information that is clearly inaccurate as accurate. Again, these are the same accounts. However, the account number with XXXX XXXX XXXX and XXXX XXXX is different. The open date is different. The last payment date is different. The last active date is different. With XXXX XXXX, the open date is reporting as XX/XX/XXXX. However the last active date and last payment date is reporting as XX/XX/XXXX with Equifax. The last payment date and last active date can not be before the open date so this is obvious inaccurate information. Also, with Equifax, the payment status has been 120 days late for years. This is obviously inaccurate. I requested that the credit bureaus send the information used to verify this information. The credit bureaus did not send this information.
Product: Credit reporting or other personal consumer reports

Reached out to Experian on XX/XX/year> because someone got unauthorized access to my credit account and changed the phone number and email on file. 

My Experian online account which should have the email address XXXX and the phone number XXXX was changed without my authorization. They set up a Case # XXXX but did not restore to the correct number and email despite sending them all the verifications In addition the customer service contact number does not offer live support or a person to help me. This is infuriating,.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on 3 Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX  XXXX XXXX XXXX & XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Debt collection

XXXX also has an account listed by CCS Collections in the amount of {$81.00}. This account was paid directly to XXXX several months ago. I was never contacted by CCS by any means. The representative that I spoke with said the account would be deleted but she could not send in writing. She referred me to a website to print a paid letter. I have proof that I paid XXXX directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact transunion with the inquiry more than 48 and they havent remove them I have spoke consumer services told them it was fraud and still they do nothing
Product: Credit reporting or other personal consumer reports

Please check information concerning the Equifax data breach below in attachments.
Product: Money transfer, virtual currency, or money service

The ability to make payments through their app was modified and i was not able to log in, i had to mail in a payment and then i received a late fee because i didnt make the payment on time. Their faulty app not working was the reason i couldnt make the payment on time. They refused to waive the late fee and they are threatening to issue more late fees if i don't pay the late fee
Product: Credit reporting or other personal consumer reports

in XXXX of XXXX  during a difficult time with lost. I went into my account online to make the payment I was very new to online payments at that time. Some sites you have to scroll down to submit payments and others you do not. I did not scroll down to hit the submit button for the payment to go through. And I missed the payment for that month but technical support departments of these companies can go into there sites and see that a person went into their account and XXXX XXXX  did tell me they saw where I had went online in a mannerable time and saw that I just did not scroll down and hit the submit button, but they refuse to excuse the 30 day late. I did not receive a text email nor a phone call. from XXXXXXXX XXXX XXXX XXXXXXXX regarding the missed payment nor a past due reminder. I was never late before that the company did not look at the pattern of my payments. They put the 30 day late on my credit report and I have requested many times that they remove the 30 day late from my credit report, but, they refused to remove it each time I requested it. 

It been 6 years now. and XXXX XXXX  said they will never take it off
Product: Credit card

The promotion for XXXX furniture was not applied properly because on my account I incurred deferred interest when the payment were more than the minimum payment of {$62.00} but payments were made of {$150.00} for 2 years. Even if the payments were split there was plenty of money to cover the promotional period because the difference is {$88.00}. Interest was charged when it should not have charged. When I question the company about the payment they will not answer my question on why I was charged interest and when it happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 i sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. I feel like I ', being ignored and taken advantage of in my disputes. Section 511 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I've been very patient but now it's been well over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will have to file litigation due to the stress you caused me and my inability to get credit due to these inaccurate items. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the furnishing of my credit report by Equifax, which I believe constitutes a violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I assert that you have violated my rights under the FCRA by REMOVING a Collection that's shouldn't have been reporting Under 15 U.S.C. 1681b, credit reporting agencies are prohibited from providing consumer reports unless there is a permissible purpose as outlined in the statute. Additionally, failure to ensure the accuracy and integrity of furnished data violates 15 U.S.C. 1681e ( b ). These violations have caused me distress and inconvenience, as well as potential harm to my creditworthiness.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed a lot of unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these accounts removed immediately!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, has 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I am disputing the findings of Experian XXXX XXXX XXXX because it failed to properly and adequately investigate my claims in the dispute against XXXX, XXXX XXXX, XXXX XXXX, SD XXXX concerning my credit card account ending in XXXX with the bank, and did not delete the account, instead Experian XXXX XXXX XXXX supported the bank in propagating unfair business practices by holding the Bank 's submission as accurate without fully investigating my submission. In fact, I believe that I have been as specific as possible in all discussions with XXXX, unlikely the Bank that continues to manipulate the dispute process ( Attachments B, C, and XXXX ). 
1. I am disputing the claim of XXXX XXXX Bank against me to the tune of {$550.00} as inaccurate because its permutation is erroneous, and therefore inaccurate. The calculations were based on wrong assumptions including wrong account closing dates, multiple closing dates, membership fees on a closed account and accumulating surcharges on a closed account ( attachments G, H, J, XXXX, and M ). 
2. XXXX XXXX Bank denied me insurance protection benefits on this account in spite of the fact that I was mandated and forced to opt into the policy, and paid the premiums. Even, after admitting to this fact, XXXX XXXX Bank made no effort to adjust the account, and continued to perpetrate the inaccuracy ( attachment G, H, J, and XXXX XXXX. 
3. XXXX XXXX Bank denied me the opportunity to negotiate a settlement. I made oral written attempts to negotiate the debt, but XXXX officials deliberate used tactics that made them inaccessible and ignored my written requests ( attachment D, F and L ). 
4. Experian XXXX XXXX XXXX did not review any phone records or transcripts to confirm the claims of either party to the dispute but relied solely on the submission of XXXX that its summary of statements were accurate, hence unfairly confirming the position of XXXX against me based on inaccurate accounting ( attachment G, H ). 
5. Experian XXXX XXXX XXXX did not examine any detailed bank statements to judge the accuracy of the content or determine how and why the figures were changing in such a dramatic fashion during such a short period of time, including who made payments or why the payment was made ( attachment C and M )? 
6. Experian XXXX XXXX XXXX refused to respond to my request for the details of their investigation XXXX attachment XXXX ). 

Therefore, my account ending XXXX with XXXX should be removed from charge-off status, and deleted completely because of these inaccuracies, lapses in the investigation process, and wrong verdicts ( attachments A, C and XXXX ). 
Note : The attachments are a compilation of documents obtained from the various credit reporting agencies approached during the dispute process.
Product: Credit card or prepaid card

My personal information was stolen and multiple cards where opened in my name and maxed out. Ive sent FTC AND POLICE REPORTS AND THE CREDIT CARD COMPANY IS STILL REFUSING TO REMOVE THIS ACCOUNT AND CHARGES
Product: Credit card

Transaction was XXXX XXXX I paid for a XXXX cash with a XXXX card for XXXX but the XXXX was XXXX I found the tag at the bottom of the XXXX  when I got home. I did not approve for XXXX plus to be paid to my XXXX XXXX account. 
Some items were damaged on the XXXX delivery and I didn't receive all the items .I scheduled re-delivey and exchange on the XX/XX/2024 by XXXX XXXX and again they call that day to let me know that they didn't have the items at that point is when I canceled the order for the item that they didn't delivered. I call XXXX XXXX on XX/XX/2024 and file a XXXX. XXXX XXXX resolve with XXXX XXXX for payment and sent me a bill for the XXXX which includes the unauthorized payment as a deduction.
Product: Debt collection

I DO NOT CONSENT NOR BENEFIT TO THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I called Goldman Sachs on XX/XX/XXXX to speak to someone about the interest rate on my master card account. I spoke to someone by the name of XXXX and then asked XXXX to speak to a manager. XXXX told me that he was the highest person I could speak to at Goldman Sachs. He then disconnected the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out several times with attempts to get accounts on my credit that are not mine. I have reached out again to those companies and cant get anywhere. Some of the accounts did come off but there are some still remaining XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX. I really need some help this because Im doing this on my own behalf. I have already reached out to the FTC and filed a complaint.
Product: Credit card

After spending over an hour on the phone with the Customer Care Center and requesting a complaint number and contact information I was hung up on. I contacted this company because they seem to be violating Consumer Protections by false advertising, providing false information, and unknowingly charging customers with finance charges and late fees without ever having sent a statement or bill. They also have no system in place to file or follow up on complaints. I also requested this card be canceled as I have reported the unlawful practices regarding Comenity Bank and this card. I requested a thorough accounting of the issue and resolution in writing immediately, but did not receive it. I was told at the XXXX store that the rewards card was discontinued and that I had to sign up for their new MasterCard due to it having chip security features. I received a new credit card and the old XXXX was shredded. However, charges were made to both cards and a statement was never received from the new MasterCard. I only found out about this account due to 8-10 harassing phone calls per day from a restricted number that would not leave a message. Upon answering after dozens of calls I discovered a bill collector on an account that I had never received a statement from. I was unable to get resolution from them in any way. I had to set up on all new online account to access said statement and saw that there are XXXX identical sites for XXXX different credit cards and companies. It is a deceitful practice meant to confuse consumers and charge them with unlawful charges while having no accountability, complaint system, or way to resolve the issue. 

This company is deceiving consumers by stating that the XXXX card is no longer valid and a XXXX MasterCard must be applied for instead. This company should not be able to have identical websites, statements, and other information that the consumer can not tell apart. This company should not be allowed to harass consumers and turn them over to collections without providing statements and within 90 days of opening said account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.