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

On XX/XX/XXXX, I was working at XXXX XXXX XXXX doing a laundry reset. ( i did make a purchase there for XXXX ) My phone was charging in the car so I went to go get it and noticed I had several notifications from Chase asking if I made a purchase at a gas station for XXXX. I immediately said no I called them and replied to the email. Informing them that I did not make this transaction they cancelled my card and started a claim and credited the money back the following day. XX/XX/XXXX I recieved a letter saying that they deemed the transaction authorized. And that on XX/XX/XXXX they will take the funds back out of my account. I immediately called them and the rep told me that because I could have done it because I was in the vincity of that location. I told him that from where I was it was a good XXXX minutes away and that it wasn't me. I asked if I could send proof like pictures. He said say yes. So I did. I went back to the store took pictures and recorded myself in their computer of me working, it shows my in the laundry aisle working at the time the transaction happened. Their was no way to send the video so I sent pictures. Waited about a week and half to see if they recieved it, I even called about 3 times different days to see if they got it. After they recieved it I waited about a day and called them back, he said that it was declined again. I asked why he said because I had previous history with the merchant. I advise him that I rarely if ever go to that XXXX and I havent gotten gas from them in awhile, I spoke to someone higher and all she said was the claim was denied, their is nothing they can do. I refused to give up so I contacted XXXX XX/XX/XXXX to try and get this resolved he ( XXXX XXXX ) told me to give him a couple days I waited a week so I called back he then told me to file a police report becuSe he cant look at the cameras unless he has a report. So today XX/XX/XXXX I got one I sent it to him he then messages me back 20 minutes later saying that they don't have any footage and that XXXX is unable to assist. I have tried everything and anything and I dont feel like Chase is being fair, they didnt look up proof or even try they just looked at history ad was like no she csnt get her money back. I work to hard I have 3 jobs and this is a problem. I own a car it takes roughly about XXXX XXXX to fill up
Product: Credit card

I received an e-mail XX/XX/XXXX form my Lowes Synchrony Bank account affected XX/XX/2024 stating that my interest was going to 31.99 % from my previous interest rate along with being coerced monthly paper statement charge of {$1.00}. I guess high credit score dont matter anymore for loans or getting a better interest rates. 
I contacted Lowes Synchrony bank and they said that the letters went out XX/XX/2024 XXXX day ( Didnt know USPS was open XXXX Day ). Looking back on my daily mail account that I can see. Nothing was received nor showed through the mail. 

After receiving the E-mail I looked online to see a statement balance and to change to non paper statements to void the additional charge of {$1.00} that will be also charge interest on. I seen the bill due in five days at which I never received a statement in the mail or an e-mail showing billing is due this month. 
I pay off my balances each month so I dont pay the already high interest rates. Speaking to the representative at which he told me it was across the board for everyone and every card holder got one. Speaking to some other card holders business and personal and they stated they never received an increase or a monthly fee letter or e-mail. Is Lowes Synchrony Bank pointing me out because I pay off the balance and trying to coerce me into going Electronically. I rather receive a paper statement so I can view everything. Looking at my phone does not give me a full statement along with internet goes down from time to time. 

According to CFPB site it states The CFPB should clarify that financial institutions can not charge a fee for written statements when such statements are required by federal law. Financial institutions should not, and indeed we would argue can not legally can not, charge a fee for providing something they are mandated by law to provide. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

NONE OF THE CREDIT INQUIRIES ON MY REPORT ARE AUTHORIZED WITH THE EXCEPTION OF TRANSUNIONS FREE CREDIT MONITORING AND KICKOFFS CREDIT BUILDER. I HAVE AN EX PARTNER WHO HAD ACCESS TO ALL OF MY SENSITIVE PERSONAL INFORMATION AND DOCUMENTS AND IS USING THIS INFORMATION TO POSE AS ME AND TRY TO DEGRADE MY CREDIT ANY WAY THEY CAN AS A PATTERN OF ABUSE THAT WENT ON WITH THE RELATIONSHIP AND IT HAS NOT ENDED WITH ME DISTANCING MYSELF FROM THIS PERSON. THEY ARE DOING IT TO KEEP ME FROM BECOMING INDEPENDENT AND HAVING GOOD CREDIT AND THIS IS NOT THEE ONLY THING THEY ARE DOING TO TRY TO KEEP MY LIFE UNDER THEIR CONTROL.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 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. 
XXXX XXXX XXXX  XXXX Balance Owed : {$3300.00}
Product: Credit reporting or other personal consumer reports

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

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

Items that need attention : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} Charged off XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX Bankruptcy DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Late/Open DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} Late/Open
Product: Payday loan, title loan, or personal loan

I applied for the payday loan on XX/XX/XXXX for the amount of {$600.00}. The {$600.00} was deposited into my account on XX/XX/XXXX. I have been charged {$180.00} every two weeks beginning XX/XX/XXXX. I called today, XX/XX/XXXX to pay off my loan only to be told that amount owed would be {$720.00}. I explained that I have been paying the {$180.00} every two weeks and I'm paying off this loan two months after receiving it, there should be no way that in order to pay it off I would have to pay {$120.00} over the amount I initially borrowed after paying the {$180.00} since XX/XX/XXXX every two weeks. I explained this is almost illegal and that I would be reporting them. They sent me an email stating that because it is a tribal loan that they have a right and I signed off it.
Product: Credit reporting or other personal consumer reports

Bought camper paid down payment XXXX never applied to loan the took the money slide would not open on camper and camper malfunctioning they were un abele to fix it stuck XXXX  told the to return it they picked it up said they were paid in full with full refund charged it off deputed on credit files all 3 on was removed alliant came and took the camper voluntary surrender camper un livable poorly built malfunctioning electricals issue 's un abel to drive fuel or open slide unlival faulty products issues un able to live in unit had to stay in hotel for 18 months please remove all charge of from all XXXX Account Number XXXX XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification - Loan Type XXXX  Original Creditor Name - Months Reviewed 18 Activity Designator - Terms Frequency MONTHLY Term Duration 240 MONTHS Purchased From - Sold To - Balance and Amounts Balance {$67000.00} Credit Limit - High Credit - Available Credit - Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity - Date of First Delinquency XX/XX/XXXX Comments and Contact CHARGED OFF ACCOUNT XXXX XXXX For questions regarding this account please contact : ALLIANT CREDIT UNION XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
Product: Debt collection

I never owed money to XXXX, Amsher Collection Services tired to collect almost a year ago, I demanded proof of debt XX/XX/XXXX, they never provided it. Now on XX/XX/XXXX they sent another collection for the same amount. I never owed the money and they never provided proof of debt and certainly not in the 30 days. I believe they're violating the law by attempting to collect again especially since I still do not owe XXXX money and never did.
Product: Debt collection

There is an account which I have disputed and it is unknown to me and appears to be very old. I have tried to get this removed off of my credit file with no luck or validation provided. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is being reported as part of my CHP XXXX bankruptcy. It was a new account and less than XXXX XXXX old prior to filing. It is illegal to include new accounts to bankruptcy. I am on time and never late. This is being reported inaccurately.
Product: Mortgage

This complaint is being filed against XXXX XXXX XXXX ( XXXX XXXX ), XXXX, at First National Bank ( FNB ). The home buyers used XXXX XXXX ( XXXX XXXX ) to obtain a mortgage for the property I was selling. XXXX XXXX ( XXXX XXXX ) provided a pre-approval level, mortgage commitment letter and the other milestones that occur during the home buying process. Unfortunately, XXXX XXXX ( XXXX XXXX ) and First National Bank ( FNB ) waited until approximately one hour before the scheduled closing on Tuesday XX/XX/XXXX, at XXXX, to request documentation that could have been provided during the five weeks prior to closing. The request forced the postponement of closing. For the next seven days, XXXX XXXX ( XXXX XXXX ) and First National Bank ( FNB ) proceeded to delay the closing by requesting new and redundant documentation that should have been addressed much earlier in the process. On Tuesday XX/XX/XXXX, my realtor informed XXXX XXXX ( XXXX XXXX ) and First National Bank ( FNB ) that they needed to make a decision so the buying and selling parties could proceed. XXXX XXXX ( XXXX XXXX ) and First National Bank ( FNB ) decided not to approve the mortgage, forcing the buyers to initiate the process with a new mortgage lender. The buyers were quickly approved by a different bank and the sale closed 24 days after the original closing date. As the seller, the delay cost me thousands in additional interest payments, lower pro-rated amounts, etc. The week of being held in limbo by XXXX XXXX ( XXXX XXXX ) and First National Bank ( FNB ) caused undue stress on the buyers, sellers and others involved in the process. If not criminal, the ethics of XXXX XXXX ( XXXX XXXX ) and First National Bank ( FNB ) are not conducive to reasonable levels of honesty, integrity or anything resembling a focus on customer service.
Product: Payday loan, title loan, or personal loan

Uprova contacted me About a balance due on a loan I never signed up for or received. The personal information they have for me is not accurate. They continue to harass me about the money when they cant provide proof of where they sent the money.
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries.

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 reporting or other personal consumer reports

There has been three opened student loans or student federal loans in my name fraudulently and I have NEVER been to college or received any money through a student agency I have been trying to dispute and it keeps coming back as accurate I will give any proof needed I just need this off my report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Appx XX/XX/2006 I purchased a home for XXXX and financed XXXX, so I was required to pay PMI, I am currently at XXXX I have requested the PMI be closed multiple time since reaching my 80 % purchase price but have been denied every time. The loan servicing has changed hands multiple times and one company has even been in some sort of trouble. I have sent information from your website but they don't seem to care. I was in bankruptcy for the 5 years and they wouldn't even talk to me. I did not include this property in the bankruptcy, I made all payments outside the plan and on time. Please help me get this PMI canceled and a refund of multiple years of over payment Thanks
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. XXXX XXXX XXXX XXXX - XXXX in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 
2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Account Number : XXXX Delete this account. 


XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX, XXXX, A 4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS LUXURY MOTOR Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 7. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Money transfer, virtual currency, or money service

Banking does not allow me to connect card to online platform I use to invest. I use the application etoro  which is powered by XXXX
Product: Credit card

Chime opened a credit card and a debit card in my name without my consent. I never solicited them for information for a card, yet one was opened in my name and the cards were mailed to me. As soon as I became aware of this, I called Chime and told them this was fraud and to close any accounts in my name because it was not me that opened them. I also alerted all three credit bureaus to lock my credit file. I received notice from Chime on XX/XX/year> that I would not be responsible for any debts and that the accounts had been closed. Yesterday, I received another email from Chime stating that my account is still open and that a deposit attempt was made. I have tried to resolve this with Chime, but they obviously do not take the law seriously and are fine with opening a card in my name when I never filled out an application nor authorized them to open accounts for me.
Product: Credit reporting or other personal consumer reports

I reached out to let the company know that the information being reported was inaccurate and was told that it would be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to my joint account with my husband with XXXX XXXX. They are always months late reporting to the credit bureaus. Normally it takes them 3 or 4 months to report. I noticed the end of XX/XX/XXXX that they had not reported any information since XX/XX/XXXXon my credit report. We were looking into purchasing a home and needed it to accurately report. I filed a dispute wanting them to update the account. The account was updated but updated incorrectly with a 60 day late for the month of XX/XX/XXXX. I was not late in XX/XX/XXXX and have the payment information to prove it. I disputed it again on all credit bureaus as not being late. I also called XXXX XXXX  who stated that my payments were on time and that I was in deferment in XX/XX/XXXXand XX/XX/XXXXand those months I only made partial payments and then I was completely on time with payments. She did say that another department would have to correct the late payments and she transferred me to them and then from there I was transferred 3 more times and no one know who I needed to be in contact with. My reports from all 3 credit bureaus show inaccurate information. Then after all of this for the month of XX/XX/XXXX I finally heard something on an update on my account and it was from XXXX and it showed charged off account updated to be charged off XX/XX/XXXX. I don't have a charged off account. Upon investigating all my credit reports XXXX  now has a charge off for Charge off XX/XX/XXXX and then account ok until XX/XX/XXXX which showed charge off again and then ok again until charge off XX/XX/XXXX. The account has never been charged off. XX/XX/XXXXall 3 credit bureaus were reporting ok and then Transunion and XXXX showed 60 days late. It cant go from ok to 60 days late. XXXX and Transunion show worst delinquency as 90 days which is not reported at this time and XXXX  shows charge off. The balance on my account per the company website shows that I owe XXXX and according to XXXX  and Transunion it shows {$7700.00} and XXXX  nothing because it is charged off. Ever since I had this account there has been late information reporting, system glitches and problems that I am unable to get fixed. I am hoping that we can just reach some kind of mutual agreement to restore my credit for XX/XX/XXXX-XX/XX/XXXX since that is when the problems with all the inaccurate reporting and misinformation is from. What is later that than that is of no real concern to me. I am just looking for some kind of repair here to restore hope with this company. I have attempted every thing that I know and I just keep making the matters worse instead of better. I am not late and have not been late and maybe if I hadn't of just wanted the reports to update and left it along I would be in better shape now. The sad part is this is not only damaging one person 's credit but two people with the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting ACT XXXX  Account XXXX and account XXXX XXXX XXXX XXXX XXXX has ben 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 WRIITEN INSTRUCTIONS. 
15 U.S.C 1681 SECTION A ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 U.S.C 1681 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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: Mortgage

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct.  Thanks!
Product: Credit card or prepaid card

For some odd reason XXXX believes my card was fraudulently opened. Once I got that straightened out they turned it back on and I was able to use it for a day. Then all the sudden it has been reported as " lost '' according to them. To which I have to call the fraud department to get it fixed. This is an ongoing problem that needs fixed, and resolved! I have not reported it stolen, I have it in my custody, I am looking at it as I type this complaint. Nobody seems to be able to help, It is very embarrassing to go to use a card that you know has plenty of money on it for it only to be cancelled unbeknownst to you. Yet they sure are happy to take my money for a payment!