23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

The issue is that JPMorgan Chase own travel site at ( chase.com ) for members lists fake fares and when the booking is made it automatically switches the prices to a higher level. Enclosed please find the message to Chase Executive Office that was originally not responded to. Also the company insisted on verbal communication and not email which is indicative of systemic issue rather than isolated one. 
There is a problem with your vendor that performs flight reservation service on behalf of Chase for its members. Yesterday and today I attempted to book a ticket to fly XXXX and to utilize my accrued points total ( +/- XXXX ). Any time I would select the available rate that lists the flight in $ XXXX range that is listed as available I got a message in process of booking that the rate is no longer available and listing exactly the same flight at on average {$300.00} higher rate. For example the flight departing XXXX XXXX on XXXX XXXX : XXXX XXXX, XXXX XXXX ( XXXX XXXX ) - XXXX, XXXX, Return XXXX XXXX XXXX XXXX, XXXX XXXX that was offered as available for {$810.00} has automatically been re-selected during the booking process into {$1200.00}. FYI, I checked the XXXX XXXX site for that flight and it lists the fare at {$810.00} with exactly the same itinerary leading me to conclusion that the mark up is your vendor 's travel commission. 

This happens with EVERY {$800.00} range flight XXXX days before XXXX XXXX and XXXX days after XXXX XXXX that is listed as available after that date. Why is then Chase site listing fake pricing on flights that it has no intention to honor and it bait and switches people in process of booking? 

I travel extensively internationally and since I often use booking sites such as XXXX, XXXX, XXXX, XXXX and XXXX I have never seen any fare being made suddenly unavailable in process of booking and rescheduled at the higher rate. I think that Federal Laws specifically prohibit games such as this as airlines are under legal obligation to list all fares including all applicable taxes and fees to prospective consumers, no exceptions. 
I would appreciate if Chase addresses this issue to make sure what happened to me does n't happen to anyone else and to honor the rate it has on its site or stop offering the travel services altogether.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of my credit report and discovered incorrect information, including late payments when I am not actually late on this account.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed that I had some inquiries that i did not authorize.
Product: Credit card

In XXXX on Renewal of my BOA alaska visa card ending in XXXX I was offered XXXX to not close the card. I accepted the offer, it has been 6+ months and they have not credited the promised XXXX miles to my account. I have called several times and they always promise to post the miles, I have a fairly large sum of money at BOA and this has been a big waste of time to try and get what I was promised.
Product: Credit reporting or other personal consumer reports

Hello, my consumer report has been experiencing multiple violations especially from Experian. I have viewed my consumer report and I see seven XXXX services accounts added accounts that I do not give consent to be added onto my Experian consumer report. In pursuant to 15usc1681b ( 2 ) I did not give written instructions from Experian to furnish my consumer report to XXXX loan services and other nonaffiliated third party corporations. Since I did not give written instructions of consent, this is violating the laws congress has put in place. This is identity theft because my personal information is being shared by Experian to third party financial institutions. I want like these seven XXXX loan services accounts deleted from my consumer report. Thank you!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting agency I have disputed medical bills that should have been paid by the VA I didnt even know that they had not been paid until I refinanced my mortgage which was almost a year later I had gone to XXXX  and they lowered the payment from {$52000.00}. to {$5000.00}. Experian is showing {$8000.00}. XXXX XXXX is over 10 years old and still on my credit report. I have been trying to fix this for over 3years and they seem to add more time to the loans are they allowed to say that since the day I disputed it starts over if it is ok to their standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$420.00} XXXX   XXXX {$700.00} XXXX XXXX {$450.00} XXXX  XXXX {$520.00} XXXX   XXXX
Product: Debt collection

Par North America which is a 3rd party company repossessed ( stole ) my vehicle on XX/XX/. I was not given proper notice from the original creditor, XXXX XXXX XXXX which a complaint will be filed against them as well. I did not receive a letter from XXXX the original creditor until on or about XX/XX/XXXX  and it is dated as mailed out XX/XX/, however my vehicle was repossessed ( stolen ) on XX/XX/. 

Par North America is a 3rd party company that was not given permission or authorization to use my information ( name, address ect ), nor did I give them permission to take my vehicle. I never entered into any agreement or contract with this 3rd party company who stole my vehicle. They are now threatening to sell my vehicle on or about XX/XX/XXXX  without giving the proper notifications and without giving me enough time to respond to their threat to sell my vehicle. 

I sent them documents via email and fax and a letter for them to cease the sell of my vehicle and to return my vehicle for violating laws, statutes and codes.
Product: Money transfer, virtual currency, or money service

When i try to connect my PNC checking account to my brokerage account using XXXX it lists PNC and gives me a login screen etc but it fails in the end. I have complained to PNC several times about this to no avail. It has been going on for at least 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a single mother of 3 and currently XXXX. This mis information on my credit report is greatly hindering me from being able to rent an apartment or buy a house. The below items are fraudulent. In this current economy i am afraid i am going to end up XXXX if it is not taken care of. I have disputed all the below items already with the credit bureaus. Please help me in getting them takin off. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I applied and got approved for an unsecured loan from XXXX on XX/XX/2022 for the amount of {$390.00} with a 12 month term. This Loan has been paid in full on XX/XX/2022. On XX/XX/2022 I received my credit report and XXXX is still reporting an open loan which is inaccurate, XXXX is also reporting an inaccurate balance, and XXXX reported that the balance increased by {$3.00} which is also inaccurate because the loan is paid in full. When I spoke to a customer service representative the only solution that was presented to me was a verification letter that the loan was paid. The XXXX customer service representative suggested I dispute my account with the credit bureaus and send this letter of verification to prove the loan was paid off. The account has already been under dispute and XXXX has not responded or updated any information with the credit bureaus.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt collection

I would like to have this fraudulent account removed immediately from my report. Someone opened this account in my name which I was unaware of until recently when I attempted to check my credit for other reasons. This is an unauthorized account ( XXXX ). When I reached out to this company they asked me to provide identity documents for some man named Mr.XXXX who I don't even know. 
I have never heard of this person and there is no way for me to provide a social security card or ID for this man. This company has allowed someone to use my name and information to open an auto loan and I would like this account removed immediately it is affecting my credit report and leaving me in a period of stagnancy with my life and financial goals. 

ACCOUNT NUMBER XXXX DATE OPENED XX/XX/2020 Loan AMOUNT {$18000.00}
Product: Mortgage

I was denied for a loan modification by SLS and was not provided a reason why I was not a candidate. On XX/XX/21, an authorized third party by the name of XXXX XXXX contacted SLS to find out why. SLS told her that they are not able to provide the denial reason as they are not the final decision makers. My mortgage statements come from SLS, when I was paying my mortgage, I paid SLS. When I applied for a loan modification, my communication was with SLS. We are in the middle of a pandemic and my own mortgage company will not communicate with me what I can do to keep my home. They are forcing me to short sale or liquidate. Where would my family go? The government needs to do more to make sure innocent every day tax payers don't fall victim to greedy banks.
Product: Debt collection

XXXX XXXX XXXX ( XXXX ), XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX, XXXX, contacted me on XXXX stating I owed credit card debt from approximately XXXX. They said to stop pending legal action I must pay a small amount now then the entire balance. I paid {$200.00} and provided a credit card number. Since this call I found out, that Household Bank XXXX balance of {$1000.00} was charged off by Household Bank now XXXX XXXX on XXXX and the file did not indicate the debt was not sold to any third party collection agency. My understanding is that the statute of limitations is XXXX  years for XXXX? If so, since the account was charged off in XXXX, XXXX years ago, how can XXXX threaten legal action some 20 years later. XXXX mentioned I made a payment in XXXX, but could not provide the information, nor the original balance due and fees added to total {$2300.00}. Household bank also stated they didnt have any file for me and owe nothing. Im very concerned, what should I do?
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I disputed an account via notarized Affidavit stating the multiple inaccuracies. The account was not FCRA COMPLIANT nor in compliance with the METRO 2 guidelines. I pointed out the incorrect and untrue reporting with no rebuttal beyond the 30 days allotted. No rebuttal to an affidavit stands as true in the eyes of the law. Ive notice this account fluctuates in dates which manipulates the statute of limitations also. I feel I am a victim of identity theft and I request a block of this account. According to federal law I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted according to federal law 1681 c-2. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me revenant to the request to block the identified transactions. The identified transactions are not info related to any transactions by me as the consumer.

You are required to do what I am asking and block these transactions from being reported to my consumer report and file within 4 days from the date of the receipt of this notice. I look forward to your response.

6802 gramm-leach Bliley act grants me the right to privacy and confidentiality.

I Never opted in and gave permission to use my private information and The four identifiers that are required to block the following information is included. 

Please remove/delete/block the following accounts ; XXXX Pref Lease
Product: Debt collection

I initially received communication via phone from this company back in XX/XX/XXXX. Specifically, on XX/XX/XXXX or XX/XX/XXXX, I spoke with a representative and asked them to send me verification of the debt they claim that I owed. I did not hear from them again until XX/XX/XXXX when I informed a representative who call that I never received verification of the debt. I received a phone call from the collector on XX/XX/XXXX and XX/XX/XXXX regarding the alleged debt and I explained that once I receive verification, I will review it and if I deem payment necessary I will make the arrangements at that time. I received an email from the collector on XX/XX/2018 with the information. I have received repeated and harassing phone calls from this collection agency on the following dates : XX/XX/XXXX, XX/XX/XXXX, on XX/XX/XXXX I spoke with the representative and they told them to stop contacting me until I review the information sent to me and then I will make arrangements with them. However, I continued to receive phone calls on XX/XX/XXXX, XX/XX/XXXX, twice on XX/XX/XXXX, twice on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and two times on XX/XX/XXXX. The numerous and repeated telephone calls are completely against the law and I have previously spoken with them and advised that what they were doing is against the law. At this point, I want to take legal action against them for damages for continuously harassing me almost on a daily basis after they have already received communication from me and which I told him I will review the information and if payment is necessary, I will make the arrangements. I have a job which requires me to keep my phone on and these calls are interfering with my ability to work.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
2. The date you contacted the individual funishers of information. 
3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Mortgage

My husband and I refinanced our mortgage in XX/XX/XXXX with XXXX Mortgage. At that time we signed the closing documents with a notary. The closing documents stated that our property taxes would be paid quarterly. In XX/XX/XXXX, I received a bill from the state showing our tax bill. It showed two options, annual or quarterly installments. No benefit was present for paying annually. The mortgage company then paid our taxes in a one lump annual payment in XX/XX/XXXX. In XX/XX/XXXX an escrow analysis was completed and we were short several thousand dollars, due to the payments not matching what is being put into the escrow account based on quarterly payments. Now XXXX wants us to pay {$720.00} extra each month to rectify their mistake. I have called many times, sent the closing document paper and the tax bill twice. Every time I call I am unable to speak to any one in the tax department or the escrow account department. How can XXXX change what was agreed upon in our legal binding document we signed at closing?
Product: Credit reporting or other personal consumer reports

Subject : Dispute and Notice of Civil Liability for Negligent Noncompliance 15 U.S. Code 1681o I am writing to formally dispute Experian such as an inaccurate credit report entry, failure to investigate a dispute, or unauthorized sharing of credit information in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o. 

It has come to my attention that Experian has committed failure to correct inaccurate information after a formal dispute and improper handling of credit data. This negligence has caused denied credit, financial loss, and emotional distress. 


XXXX XXXX XXXX  Opened XX/XX/year> {$93.00} XXXX XXXX XXXX Opened XX/XX/year> {$600.00} XXXX XXXX XXXX Opened XX/XX/year> {$780.00} XXXX XXXX Opened XX/XX/year> {$940.00} XXXX XXXX XXXX Opened XX/XX/year> {$1100.00} XXXX XXXX  Opened XX/XX/year> {$2000.00} Under 15 U.S. Code 1681o, a consumer reporting agency or any related entity that negligently fails to comply with the FCRA is liable for actual damages sustained by the consumer, as well as legal fees. As a result, I am demanding the following actions be taken immediately : 1. Removal of inaccurate information, 2. A written response within 30 days acknowledging this dispute and detailing the corrective actions taken.

Failure to comply with this request may result in legal action, including seeking damages and attorneys fees as permitted under the FCRA. I trust this matter will be resolved promptly to avoid further escalation.

I expect a response no later than 30 days. You may contact me at should you require additional information.
Product: Mortgage

I made {$3000.00} on XX/XX/2020 and want to pay 1 mortgage payment of {$1400.00} ( {$380.00} to principal, {$1000.00} to interest ) and {$1500.00} to principal. 
I made additional {$20.00} payment to the principal on XX/XX/2020. Total {$1900.00} to the principal. 
The beginning balance of XXXX is {$260000.00} and the ending balance should be {$260000.00}. 
After so many call, Caliber Home Loans still didn't make it correct.
Product: Credit reporting or other personal consumer reports

I am writing to follow up my previous dispute information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in investigating and resolving this matter.
Product: Mortgage

When Covid19 started the Mortgage company 's were telling people to call if you need help. We called and went on what they called the " Covid relief '' This was where you didn't need to make a mortgage payment for three months without late fees or negative on credit report. We paid our mortgage every month but it may of been a few days late. I am now back to work regular hours and we have been trying to do a refinance. I reached out to Chase many times to go threw them with zero contacts back. Finally a Chase rep when I called said I can either go threw another company or contact a branch office to do it which is 1/2 hr from my home. I called an XXXX XXXX rep and left a few messages with no response either so i contacted my financial advisor who gave me a Company to call. I spoke to him a few times and he ran a credit report and advised me that it shows I haven't made a mortgage payment for three months from Chase Bank which i had. They may of been a few days late but that was what the Covid relief was for, When I called Chase they told me if I get out of the Deferment plan then my account goes back to normal and that the payment would be entered into Credit report as late. I said wasnt that the purpose of the Covid assistance? So I told them I don't want to be on Covid assistance anymore and if they have to show my payments late what ever and that I would rather not have it showing no payment at all. This is wrong and terrible of them. My loan guy told me this will XXXX up my good credit and I'm furious.
Product: Credit reporting or other personal consumer reports

I recieved an email about privacy policy changing to allow them to sell my data to third-party advertisers. When I called to have them delete all personal information and revoke consent to share they refused to allow me to speak with a live representative or close my account. The XXXX XXXX will not allow you to close an account or revoke consent for data to be shared.
Product: Credit card

Synchrony avoids human interaction and my issue could not be resolved via their computerized chat feature. Synchrony abruptly reduced my credit limit with no notice or explanation. My credit score recently went up XXXX points but went down when they took this adverse action. 

I have been sick over the last few weeks and we've had other illnesses in our household. I was late making a payment but not over 30 days late.