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

After reviewing the credit report, the XXXX XXXX XXXX Account : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX The Center has a series of derogatory remarks on the credit profile. While receiving treatment, the staff was aware of financial hardship. Documents/Assistance was requested, however, staff failed to comply with information. As time progresses a continuation of treatment, the company insists no assistance is available. According to XXXX, if a patient not insured the institution by right give information for assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 60 days ago to these bureaus and they are disregarding regular consumer disputes. I've sent multiple letters that have gone unanswered causing immeasurable stress.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I initiated a wire transfer, totaling {$51000.00}, from my bank ( XXXX XXXX ) to XXXX XXXX XXXX XXXX, where JPMC Bank was the recipient bank. On XX/XX/year>, since JPMC Bank had not disbursed my funds to XXXX XXXX XXXX XXXX, my bank issued a recall notice to JPMC Bank to return to them the undisbursed funds. On XX/XX/year>, my bank issued another recall notice to JPMC Bank since no funds had yet been returned. JPMC Bank has been unresponsive to all of my bank 's requests, including status requests of the wire transfer. Additionally, JPMC Bank refuses to discuss the situation with me, as I am not an account holder. On XX/XX/year>, I was told by XXXX XXXX XXXX XXXX no longer accepts wire transfers from JPMC Bank, effective XX/XX/year>, due to problems encountered by me and several other clients due to JPMC Bank refusing to disburse funds to XXXX XXXX XXXX XXXX. It should be noted that XXXX XXXX XXXX ( XXXX  ) is XXXX of the many platforms I trade on and XXXX XXXX XXXX XXXX is the affiliate that handles all wire transfers. I have traded with XXXX  for several months with no problems depositing or withdrawing funds. There is absolutely no reason why XXXX Bank should be allowed to hold my funds for this length of time, especially if such funds were not disbursed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquires on my credit report from : XXXX that i did not apply for. I would like this removed immediately.
Product: Credit card or prepaid card

Made a purchase for 3 items ending up returning the items with the prepaid label enclosed by the merchant. Merchandise was received by the merchant. The merchant didn't issue the full refund. provided proof of return to Chime and chime has denied the claim several times. I am due a refund of {$160.00} Chime unwilling to fix this issue. even with all requested proof being submitted.
Product: Credit card

In XX/XX/XXXX, I received a mailed notice from Elan, who had taken over my credit cards from the prior company that had jurisdiction over them This notice informed me that Elan would be nearly doubling my interest rate on the credit card ( s ). The notice did not indicate any justification or reason whatsoever as to why this was happening. Considering that I was a loyal customer with the specific credit cards in question and had a good payment history, this was unacceptable. Per the instructions on the notification, I mailed a signed letter to the address provided that prohibited Elan from raising the interest rates on any credit cards that I may have with them. The deadline was for a date in XX/XX/XXXX. I mailed my notice on XX/XX/XXXX. When I received my statement for the XX/XX/XXXX due date that year, I immediately noticed that Elan had blatantly disregarded my letter and had had raised the interest rate anyway. I immediately informed the company of my letter and they stated they had not received it. Even though I was informing them over the phone right then and there that the notice had been sent per their instructions, they blatantly refused to acknowledge my concerns and, instead of taking any kind of appropriate action, continued to charge me the higher interest rate. In addition, despite what Elan believes, they are charging me the higher interest rate for the ENTIRE balance, not just from any purchases that were made after XX/XX/XXXX which is what they claim. This caused my minimum amount due to skyrocket, essentially preventing me from making my payments. This was irrelevant any way, as I had never authorized the increased interest rate percentage in the first place. I mailed the same date notice to them again in XX/XX/XXXX, but they still claim to have never received it and never took any action. I continued to make good faith payments and did several follow ups but no one at Elan resolved the situation, so after over a year of this, payment ceased until Elan properly resolved the issue. They were infromed of this by phone multiple times. In early XX/XX/XXXX I spoke to supervisor in their escalation department who identified herself as XXXX. On the same day I spoke with her, I FAXED my letter to her directly at her request and have a receipt of this fax that shows that Elan successfully did receive it. She informed me that she would finally resolve these issues and would be contacting me on the following Tuesday to confirm that she had taken action and resolved all issues to MY SATISFACTION. Not only did I never receive a call or any type of contact whatsoever by the agreed upon date, but when I called the escalation department back and asked to speak with XXXX, the male representative laughed and hung up. These calls are on record with my phone provider as evidence.
Product: Vehicle loan or lease

I have made most of my payments on time. I asked to be refinanced to get lower payment and was denied. I'm paying {$770.00} a month for a 2015 car.
Product: Money transfer, virtual currency, or money service

I sent {$110.00} in Bitcoin to a friend through CashApp. Unknown to me at the time of sending the money he had closed his account. Cash app excepted the money and completed the transaction even though his account was closed. He is now unable to access his account. They have refused any type of help to resolve the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear to whom this may concern, I submitted proof that information on my report was falsely being reported, but the company continue to say it is accurate. They have not shown how this information is accurate or verified, therefore it should be removed. 

Bankruptcy XXXX filed dispute XX/XX/2022 Bankruptcy XXXX filed dispute XX/XX/XXXX XXXX
Product: Vehicle loan or lease

To ALLY FINANCIAL. 

It is unbelievable the XXXX I have gone through these past few months thanks to this financial company 's horrible business etiquette. To give a brief synopsis I have lost many sources of income, got behind on all of my bills, damaged my credit, lost my home, lost my job, lost my cell phone. I've been homeless and on the streets. 
Being on the streets I've been harassed and feared for my safety and have been slowly stripped and robbed of all my belongings from kitchen appliances to living room to my socks and all in between. Just 9 days ago I lost the last bit of clothing/shoes I own and my father 's ashes. 
All thanks to ALLY declining to FIX MY CAR THAT THEY BROKE TO BEGIN WITH, my life HAS BEEN DESTROYED. Their GREED FOR A FEW XXXX THANKS TO DAMAGES I DID NOT CAUSE WAS WORTH SACRIFICING MY LIFE MY WELL BEING AND MY FATHERS ASHES!!!!!! 

To clarify, I paid to redeem my car after it was repossessed and the transmission was broken and ALLY haS the audacity to charge me monthly when my car was broken because of ALLYS negligence in towing my vehicle and after ALLY ADMITS IT WAS BROKEN IN THEIR POSSESSION, ALLY turns around without any thorough inspection and say " it probably broken because of the way I drive which is just total assumption and no way justice for doing a XXXX in making a final decision. I have video evidence for XX/XX/XXXX showing my car driving perfectly fine which is the night before it was repoed. Additionally I have a diagnosis from a mechanic assessing my vehicle and an email directly FROM ALLY FINANCIAL ADMITTING FAULT.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$310.00}, XXXX XXXX  XXXX Balance : {$130.00}, XXXX XXXX XXXX Balance : {$1000.00}
Product: Credit reporting

This account was paid in full on XXXX XXXX, 2016 with a promise to " Pay to Delete '' from XXXX. I have disputed and talk to several employees regarding deletion of this account ( not updated ) from ALL credit reporting agencies. I am only asking that it is deleted immediately due to meeting all my obligations to pay what 's owed on this account. Thanks for your help in this urgent matter.
Product: Credit reporting or other personal consumer reports

XXXX I demand XXXX provide the original instrument on the underlying obligation from XXXX XXXX And the ( XXXX  ) generally accepted accounting principles for this aleded collection account. 

I demand XXXX to remove these three hard acquires as I did not authorize them immediately with rapid rescore. 

Hard inquiries XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX I demand XXXX to change the account for XXXX XXXX from not current on XXXX XXXX, XXXX, XXXX, and change to current as this is a violation of 15 usc 1681 ( a ) ( d ) ( 2 ) ( A ) ( I ) so i demand it be corrected immediately with rapid rescore. 

I demand XXXX to remove this hard, acquire as I did not authorize it immediately with rapid rescore Hard inquiries XXXX  XXXX ( Bank ) XX/XX/XXXX Experian I demand Experian remove these hard, acquire as I did not authorize it immediately with rapid rescore Hard inquiries XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX I demand Experian provide the original instrument on the underlying obligation from XXXX XXXX And the ( XXXX  ) generally accepted accounting principles for this aleded collection account.
Product: Credit reporting or other personal consumer reports

I have 6 inquiries, and 2-4 missing tradelines on my credit report. The 6 inquiries have been called and disputed stimming from XXXX that are fraudulent. I have also had some trade-ins added to my account that Equifax still has not added after multiple attempts of communication and written statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX. Please update my name to XXXX XXXX. My only social security number isXXXX. My only and correct date of birth is : XXXX. I do not wish to have any telephone numbers on my report. Below are the negative accounts/accounts impacting my credit : XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX XXXX XXXX {$270.00} XX/XX/
Product: Credit card or prepaid card

I applied for an AmEx Gold card XX/XX/XXXX and did not receive a confirmation email. I called AmEx to check my status and they said I was approved on XX/XX/XXXX and should expect to receive my credit card XX/XX/XXXX. After not receiving my card I called back and was told they had no account under my name, ssn, birthday, etc. They directed me to apply for a new credit card and when I did they advertised me a sign up bonus which was lower than the offer I initially received and got accepted for. They told me there was absolutely nothing they could do. I'm hesitant to apply for a new card as I don't want to end up with several accounts under AmEx and responsible for XXXX of the same credit card.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I recently reviewed my credit report and found an account with inaccurate information. I have attached a screenshot to this complaint. This Account XXXX, is affecting my ability to obtain credit based on the banking system. Additionally, this account has been closed.

I request a complete review of my credit report and that this inaccurate information be removed as soon as possible.

Upon reviewing my report again, I noticed that no changes were made. According to 15 USC 1681i 5, the law states the following : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation, it is determined that the information is inaccurate, incomplete, or can not be verified, the consumer reporting agency must : ( i ) promptly delete or modify that item of information from the consumer 's file; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the consumer 's file.

According to 15 USC 1681e ( b ) : ( b ) Accuracy of report Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information in the reports.

And according to 15 USC 1681s-2 : ( A ) Reporting information with actual knowledge of errors No person shall 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.

( B ) Reporting information after notice and confirmation of errors No person shall furnish inaccurate information if : ( i ) the consumer has notified that the information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Equifax, XXXX and XXXX did not conduct an adequate reinvestigation, and I can prove it with evidence. I request a complete review and correction of the errors in my credit report. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have a applied for a loan with TD Bank. The TD Bank Fit loan. It has shown my preapproval many times but the last few times it will come back to say they are unable to verify my identity. I have went in the branch about 10 times with my ID, Social, and verified myself in person and TD still decline the loan. This is not accurate at all and at this point i am being discriminated against. They will be able to retreive my credit report and score and then decline me. I have proof of all declined loan applications due to identity.
Product: Student loan

In XX/XX/XXXX I received a letter stating that I would have to recertify my income for an income based repayment plan. The letter stated that I would receive another letter in 2 months with instructions on how to do this.

Cut to XX/XX/XXXX my bank notified me of a payment taken from my account of approximately 8 times my previous payment. I checked online and saw that my IBR had been cancelled and approximately 16,000 in interest had been capitalized.

I called for an explanation. The first representative told my that my recertification had been denied. He sent me to another representative who told me that I never recertified. She said they could fix the payment amount after a few months but that there was nothing that would be done about the interest capitalization.
Product: Credit reporting or other personal consumer reports

There was a recent issue where my credit file was mixed with someone else. So I disputed the accounts. Specifically XXXX car loans. Carmax and XXXX lending. I have no signed contract or have I ever obtained loans with them. The accounts appear open on my credit. I spoke with Carmax last year because I had a similar issue with another credit bureau and the situation was fixed. Its been more than 30 days since I disputed the information with XXXX. I never received an update and the information on my credit is false and unverifiable. Both companies verified I have no loans in their system. Furthermore my credit file shows as being locked. A creditor was able to actually pull my report and the fraudulent account show in result I was denied credit. When I login into my XXXX the information doesnt show but XXXX XXXX these fraudulent account to creditors. There are multiple accounts that appears as open on a consumer report but when I contacted the creditors on the report they stated they dont have my information in their systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete fraud alerts and extended fraud alerts from all three bureaus XXXX : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Debt collection

Portfolio recovery calling from random Ohio phones number multiple times a day for the past 3 months. This company is no longer on my credit report it has been dropped.
Product: Money transfer, virtual currency, or money service

I used the website Remitly twice in one week with a card I have not used for any other reason. Within 9 days, my card was compromised on the internet and I had to cancel my card and order a new one. A charge from a website called XXXX XXXX  ( XXXX XXXX  ) attempted a transaction on the card. That company is a fraud or scam that is taking people 's data. Remitly did not do enough to protect my card and account. And then, when I reached out to complain and close my account, the representative tried to make it next to impossible.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX BANK XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX XX/XX/XXXX Asset Amount : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my XXXX  consumer credit report and discover a company calling itself Portfolio Recovery reporting a negative account on my report. I have no knowledge of doing business or signing a contract with Portfolio Recovery. This willful and negligence action is causing harm to my credit score.
Product: Mortgage

XXXX XXXX XXXX AS OF XX/XX/XXXX MY HELOC HAD A XXXX BALANCE. ON XX/XX/XXXX I TOOK AN ADVANCE OF {$5000.00}, WHICH WAS PUT INTO AN ACCOUNT AT 4.25 % FIXED. 
ON XX/XX/XXXX I CALLED THE HELOC DEPARTMENT AND ASKED THEM IF I TAKE ANOTHER ADVANCE WOULD IT GO INTO THE 4.25 % ACCOUNT AND I WAS TOLD YES, SO I TOOK AN ADVANCE OF {$25000.00} BECAUSE THE RATE WAS LOWER THEN I WAS PAYING ON ANOTHER HELOC. I DID THE SAME ON XX/XX/XXXX & XX/XX/XXXX FOR A TOTAL OF {$38000.00}, WHEN THE STATEMENT CAME IN IT WAS AT A HIGHER RATE OF 5.48 %. I WOULD NOT HAVE BORROWED THE MONEY AT THE HIGHER RATE. I HAVE CALLED THE COMPANY NUMEROUS TIMES AND GONE TO A BRANCH TO NO AVAIL. THEY SAY THATS THE WAY IT IS TO BAD. 
I RECEIVED A CALL FROM A RESOLUTIONS DEPARTMENT THAT I HAVE CALLED BACK AND LEFT MESSAGES AT LEAST 10 TIMES TO NO AVAIL, VERY FRUSTRATING TO BE TOTALLY MISLEAD. I HAVE ALSO BEEN TOLD A SUPERVISOR WILL CALL, STILL WAITING, AGAIN VERY FRUSTRATING. 
THANK YOU FOR ANY HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/20 American exp has placed a false inquiry on my credit report that I did not initiate nor authorize I have reached out to them to this view on numerous occasions with no response. They are violating my rights and harming me
Product: Credit card or prepaid card

For years, I've had this card and paid its annual fee ( $ XXXX ). This fee included access to a worldwide network of Diners Club airport lounges. The past few times I've tried to access the lounge, the lounge turns me away saying that the benefit is no longer valid. 

If this benefit has been removed, BMO should refund me the annual fee ( {$95.00} ) plus the additional card fee. The only reason I have this card is for the airport lounge benefit. I've received no written communication of any policy/benefit change. This is the bank 's current advertisement for the card benefits : https : XXXX
Product: Debt collection

After reading the article that I attached the hyperlink below, I 've realized of the many illegal actions that Navy federal Credit Union took against me during my time in the XXXX XXXX. Prior to me closing my accounts out of pure frustration with them, I received several letters threatening to contact commanding officers. This threat alone would have put in a situation where I would n't have been able to lead the men and women below me and likely end my career. I also was locked out of an auto loan, causing it to go over the 30 day late mark, even though I had called and paid it. 

Hyperlink below : XXXX
Product: Debt collection

CASHCALL LOAN ACCT NO XXXX IS WRONGFULLY APPEARING ON MY XXXX  CREDIT REPORT.DISPLAYING AN ACCOUNT IS CONSTRUED BY THE FAIR CREDIT REPORTING ACT AS " ATTEMPTING TO COLLECT A DEBT ''. 
THE DEBT IS UNENFORCEABLE AND VIOLATES THE BUSINESS AND PROFESSIONS CODE ACCORDING TO THE SUPREME COURT OF CALIFORNIA. 
A PERMANENT INJUNCTION WAS VIOLATED IN MY SPECIFIC CASE AS CASHCALL DESCRIBED THEIR WELCOME CALL PROCEDURE THAT THEY SAY TOOK PLACE ONE MONTH AFTER LOAN ORIGINATION IN THEIR CFPB RESPONSE.THE PERMANENT INJUNCTION CALLS FOR THE ELEMENTS OF THE WELCOME CALL TO OCCUR WITHIN 72 HOURS OF LOAN FUNDING.

I AM NO LONGER RESPONSIBLE FOR THIS LOAN AS A MATTER OF LAW.