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

Chase offers a promotion with XXXX that offers a {$10.00} credit per XXXX if a XXXX purchase is made. I received such a credit on XX/XX/2022, then after my XX/XX/XXXX statement closing date, I called Chase to ask whether these credits reset based on statement cycles or calendar XXXX.I was told they reset based on statement dates so that I was therefore again eligible for a credit. Based on that information I made another XXXX purchase on XX/XX/2022, but did not receive the credit. I inquired to Chase and was now told the credits are based on calendar XXXX and they would not honor the promise the previous rep had made nor make it right. When I called a XXXX time I was again told its based on statement dates, then when I escalated they went back to saying calendar XXXX and again that they would not make it right for me. Very frustrating and an extremely poor customer experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have a huge concern that Equifax is not reporting the correct credit score. I have XXXX score. XXXX is XXXX, XXXX is XXXX and Equifax is XXXX. How is it possible for Equifax to have a XXXX point difference from XXXX when the credit report has all the exact same information? 

I have all XXXX reports attached for your review and would like for Equifax to review and update my credit score accordingly. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting that I am ( 90 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

Ameracollectpay.com has been calling repeatedly and never says what debt it is. I don't owe them or anyone anything.
Product: Vehicle loan or lease

B of A account number XXXX B of A has violated the FCRA in the way they have handled my loan. They have ruined my credit and my car. They hVw recklessly harmed me and I expect them to remediate the situation. I want an accounting for what was owed which I have already paid current. I want the repo fees and late fees reversed and any damage to my car to be corrected. Further I want my credit restored. And I want my car back timely. 

Car was purchased in XX/XX/2022 used from dealer. They negotiated financing and were supposed to set up automatic payments. That did not happen I called B of A made payment 1. They said they would set up automatic payments.

I assumed this would happen and then I did not hear from the bank in XXXX I made an online payment using the B of A online website. It asked how much and I indicated a {$2000.00} payment this is a rounded up figure the actual payment is lower. 
I woke us this morning and the car was gone. I thought it was stolen and called the police they let me know that it had been repossessed. I was in shock as I had no ideas I was behind. 
I logged into the B of A account and it said they wanted 6 payments and a late fee of close to {$500.00} plus repo fees which they dont know how much it would be yet. I would have to wait at least 24 hours before I would know what the payment would be and then they would let me know if I can get the car. 

I asked the lady from B of A why they are asking for six payments ( I understood the late fee ) she said I was behind four payments. This was the first time anyone from B of A or anyone representing B of A notifies me that I was behind. So then I said why are you asking for {$12000.00} she said because you are behind five payments. I said wait a minute one minute ago you said I was behind four payments. She said and you missed one last Sunday.

I was shocked and stunned I have never had such a problem. I was so taken back I went went back immediately online and paid the six payments. And let charge they asked for but she was not willing to give me any other information or information about my car. 
I have surveillance cameras in my driveway and it shows that about XXXX this morning they attached my car to a XXXX truck and dragged it. This is a XXXXour wheel drive car and I have pictures of where the wheels of the car were dragged down the street and I am worried that the car has been damaged as a result. Thai car is not supposed to be dragged on that manner.

B of A never once contacted me about being delinquent, no calls, no emails, no letters. When I went online in XXXX there was no notice on my account that I was behind on payments. My credit report will show XXXX  years of clean credit history. 

I tried calling and they treat me like a I am thief and refuse to talk to me. They said I have to wait 24 to 48 hours. I am leaving for out of town and I dont know how this will be resolved.
Product: Credit reporting or other personal consumer reports

transunion wants me to be more specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX all of these are more specific XXXX XXXX i didnt apply for credit with and never received a card from them in that time XXXX same thing XXXX XXXX same XXXXXXXX XXXX same sychtony same XXXXXXXX XXXX same XXXX XXXXXXXX same investigate and you will see i got cards from some of these companys like XXXX XXXX but not whem they did inqiury so please delete these i filed police reports and complaints with companys
Product: Checking or savings account

I have a Credit Karma account to monitor my credit score. Credit Karma allow someone else to fraudulently open a Money Account with my information through a Credit Karma Money Account. They then allowed an outside bank of mine to be linked to that account and {$2500.00} was then transferred into the Credit Karma Money Account. Before any money was taken from the Credit Karma account I notified them of the fraud by making TWO 45-minute phone calls to discuss the fraud. Credit Karma then locked me out of all access to the account and told me they closed the account. The next day I was notified that another {$500.00} was transferred from the external account into the Credit Karma Money Account. So the fraudulent person still has access to the account. The actions the phone representative from Credit Karma took allowed the fraud to continue and actually assisted in it continuing by completely blocking me out of all account access. Every step of this fraud Credit Karma has very easily allowed to happen and assisted in happening. I would not be surprised to find out that the two phone representatives that I talked to were the the thieves themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing XXXX XXXX account along with other inaccuracies with Transunion, XXXX  and XXXX  to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts ... .. I have also reached out to XXXX XXXX myself in a local office and by phone. I do not understand why this account can't be updated accurately when I am paying on this account monthly. This account should be reporting in good standing. See attached documents for inaccuracies recorded by XXXX XXXX, TransUnion, and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act account XXXX from XXXXXXXX XXXX XXXX was already pay since XXXX XXXX in total of XXXX dollar. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 : IT also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Checking or savings account

XX/XX/XXXX Chase restricted my account without letting me know until I try to use my XXXXXXXX XXXX and it said my account has been suspended to contact them so my account when I get close but when I did, they said that theres nothing for them to do because Chase no longer wants a relationship with you and close my account and They restricted all my money and not giving it back they sent me a message at XXXX and didnt give me a chance to contact them when I called them they said it was and generic messages
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone ran my credit without my permission and dropped my score XXXX points!! 
Equifax, XXXX, and XXXX I'm at a low score of XXXX and less than a month ago was XXXX score. I want to refi my house due to this plandemic and now a war, through no fault of our own! I need to get my points back up.

I can list all the codes those people are violating : 15 USC 1681b.

15 USC 1681c-3, many more I need everything derogatory and negative removed, please...
Product: Debt collection

Portfolio Recovery continues to report an account to my credit report as " Disputed '' even though I have informed them ( see attached letter dated XXXX/XXXX/16 ) that this account is no longer disputed and requested that they remove this status from my credit report ; I am attempting to obtain a mortgage and this dispute status is preventing me from qualifying.
Product: Credit reporting or other personal consumer reports

State employees credit union has caused suffering and harm by invasion of my privacy and has caused harm to my reputation harm to me economics and physically by sharing my highly sensitive information to the credit reporting agencies with out permissible purpose with my credit card my car loan and personal loan along with ever inquire that was shared with out my consent.
Product: Checking or savings account

First, I would like to say I do not call the bank once a week or even once a month asking for help. I am a long-time customer, and they can see my account is usually in good standing. I have asked for help with fees XXXX other time in XXXX. I do not make a habit of getting overdraft fees. 

I am asking for help with XXXX recent overdraft fees. My checking account recently went into a tailspin as a result of a $ XXXX XXXX  XXXX I called the party that issued the XXXX, and they agreed to give me the money back. They sent a letter to Wells Fargo on XX/XX/XXXX telling them to put the $ XXXX back in my account, however for whatever reason, Wells Fargo XXXX not get it until XX/XX/XXXX. Meanwhile, I was charged XXXX overdraft fees from auto pay bills going through my account. If the money had been back in my account on XX/XX/XXXX, I never would have received the overdraft fees. Wells Fargo can clearly see the letter they received to reverse the XXXX  was dated XX/XX/XXXX and I feel it would be in good faith to reverse my overdraft fees since the fees came well after XX/XX/XXXX. 

I feel this another way of Wells Fargo being unfair, predatory, and taking advantage of people. Please help. I am asking Wells Fargo for {$140.00}, not a pot of gold. 

Thanks XXXX
Product: Debt collection

This company is reporting illegal information on my credit report I contacted them 30days ago got no response. also under the hipaa privacy act they can't have access to my personal medical records that's against the law and they can't provide me with information about this.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2020 showed a 30 day late payment on my Macys credit card ( AMEX/CBNA. I found that odd because the account was paid in full before that. I called and they said a {$2.00} dollar interest accrued over, i dispute the transaction and they fix over the phone but later reappeared. Its been going for 4 years. Its highly impacting my credit worthiness and score. I have contacted them so many times and they said in their end theyll fix it but here I am still waiting.
Product: Credit card

I signed up for a service that was only available to " Accredited Investors '' per rules of the SEC. This service had an " automatic '' annual renewal and the end of the subscription year. I did not receive any notification prior to the renewal date nor did the company in question seek to verify my status as an " accredited Investor ''. I canceled this subscription after learning of charges being posted to my account. Chase has refused to credit them despite the deceitful and illegal practice of the vendor
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th time disputing these accounts and no one is responding ... The XXXX is supposed to ensure that these credit bureaus are following the law and they are not. 


XXXX  XXXX Account XXXX XXXX- XXXX Unverified Account US Department of Education- XXXX XXXX Account XXXX- XXXX Unverified Account XXXX XXXX- XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX  XXXX- XXXX XXXX Account XXXX XXXX  XXXX- XXXX Unverified Account XXXX XXXX Unverified Accoun XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX
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 Account Number:1986** Account name : XXXX Account Number:XXXX Account name : XXXX Account NumberXXXX has violated my rights. Or 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, credit repair services, or other personal consumer reports

Account XXXX is reporting inaccurately on the credit profile associated with my social security number as evidenced by : The account type detail is listed as a " Credit Card, '' but the credit limit is {$0.00}. This suggests that the account may not be a traditional credit card account. 

The number of months ( terms ) is listed as " XXXX, '' indicating that there has been no activity on the account, despite it being open for over four years. 

The high credit is listed as {$500.00}, but the balance is {$0.00}. This suggests that the account may not have been used or may have been paid off in full.

The comments section indicates that there is a consumer dispute - reinvestigation in progress, which may be impacting the accuracy of the information reported.

These inconsistencies may violate several sections of the Fair Credit Reporting Act ( FCRA ), including : Section 607 ( a ) ( 1 ) requires that credit reporting agencies provide accurate information in consumer credit reports.

Section 607 ( b ) requires that credit reporting agencies investigate disputed information and correct any inaccuracies.

Section 623 ( a ) ( 2 ) requires that credit reporting agencies provide information in a manner that is fair and impartial to all parties involved.

If the inaccuracies on the credit report are not corrected in a timely manner, the affected I may experience negative consequences, such as difficulty obtaining credit or being charged higher interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Consulting Services is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt was reporting. I immediately called and settled this debt. I however, never received any calls, notices, or letters from Credit Consulting Services about this debt. This violates my 30 day right to dispute under the FCRA. This must be removed immediately as you violated my rights as a consumer. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute 2 accounts that are was open fraudulently and Equifax not only did not send me the method of independent investigation they use, but they also still reported the account in my credits, and I send the copy of the Identity theft. The Accounts is XXXX XXXX # XXXX and XXXX XXXX # XXXX
Product: Mortgage

We were refinancing a Loan with Reliance First Capital , LLC XXXX, New York, XXXX. It has been 1 year and 6 months to try to refinance!!!! 
They are incompetent, they cover up mistakes their employees make on mis-information on the forms you fill out just to extend the length of the processing.. They double talk you and repeatedly ask for information that you send to them over and over again just to drag their feet on the loan process. We paid them {$650.00} in fees for appraisals only to be denied the loan. 
How long does it take to get a home refinanced? Please, BEWARE OF RELIANCE FINANCIAL. I would not wish this experience that we went through to my worse enemy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am the owner of a XXXX XXXX in the state of Georgia. I am in dire need of refinancing to be able to keep my business alive. Upon checking my credit report I saw that there are late payments on some credit cards on my profile. These late payments are not accurate as I have not been late. I have managed my credit for well over XXXX years and I am hurt to see that these late payments have been so detrimental to my credit score. 

I ask that you please enforce the bureaus to do a through check of the information that so that these late payments can be updated as accurate. This is a billing error and a violation of US 15 1666B. XXXX XXXX continues to report closed collections on my profile as well. These should not be there and I demand that they are removed immediately. 

I will be attaching my dispute letters and my information to identify that it is me who is requesting this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is old and closed. The car was purchase in XXXX and paid. And close XXXX and they charge it off with a balance of XXXX. They still have the account on my current report has open. The account is reporting on Experian and XXXX XXXX. The account was remove on XXXX fax credit report. Do to old account and closed.
Product: Mortgage

Shellpoint Mortgage Servicing purchased my mortgage on XX/XX/2019. I did not receive notification of this until XX/XX/XXXX. I submitted an automatic payment to my previous mortgage servicer as scheduled on XX/XX/XXXX. As of XX/XX/XXXX Shellpoint Mortgage Servicing has declared my mortgage payment delinquent and is threatening me with late fees and potential foreclosure. This is blatantly against the law, as my previous mortgage servicer has 60 days to forward payments to Shellpoint Mortgage Servicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

No permission was given to any consumer reporting agency to report any consumer information which is a violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

I am submitting this request to the credit bureaus hat the following accounts which I believe appearing to be erroneous and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}
Product: Debt collection

I contacted experian concerning this debt and was advised that my information it crossed with another individual. I even contact affirm concerning account but was advised to contact them through the app. My next step was sending a request of proof of debt owe to there mail address XXXX XXXX XXXX FL XXXX XXXX XXXX, CA XXXX. Never received anything back from the company concerning how I owe a debt that I never applied for.
Product: Credit card or prepaid card

My complaint is the disclosure of the rules regarding tier points for the XXXX XXXX XXXX XXXX  Card. As I have learned only after receiving and using the card for a few months there is a difference between the Plus card and the Premiere card. I only learned of this after the first two billing cycles. Before 2 days ago I did not know there were two different cards. I carefully read through the rules and regulations that were publicly disclosed when I applied for the card and did so with the understanding that tier points would apply towards XXXX A-List status. Only when the tier points for the XXXX18 billing cycle were not credited towards my A-list status did I inquire. Then and only then did I learn of the existence of a second card, the so-called Premiere.

When I called to find a solution to this problem I was told that Chase would do nothing to help. Yes I was willing to pay the {$30.00} difference. At that point to me a line was crossed from an onerous and confusing disclosure on the part of Chase to that being a deceptive business practice. I escalated the complaint in writing, cc-ing XXXX XXXX XXXX of XXXX XXXX, their cohort in this wrongful deception.

I received a form letter from Chase that they would do nothing to help. Neither has XXXX responded aside from a postcard and a complaint number, XXXX.