23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had an XXXX credit card when I was in college. It was bought out by Chase Freedom. In the process of changing companies I missed a monthly payment in I believe XX/XX/XXXX. Chase immediately penalized me by raising my interest rate to a borderline usury interest rate of 29.99 %. I graduated in XX/XX/XXXX into a bad job market and was underemployed for much of XX/XX/XXXX and XX/XX/XXXX which made it incredibly hard to pay down my balance while the absurd interest rate was being applied. I eventually was able to pay off the balance. Since that time my credit has drastically increased and I have been able to buy a nice XXXX family home without a joint applicant or co-singer. I have also been able to obtain new credit cards with competitive interest rates. 
I have called Chase freedom several times over the last couple years to have it lowered to a reasonable rate that is in line with my credit report. During this same time period other credit cards that I use have lowered the interest rate on my cards without me even requesting it. Chase 's explanation is always the same. They in a friendly and polite way tell me there is nothing they can do and that is the lowest interest rate they can offer to someone in my situation. They informed me that they periodically review the account to lower my rate. If that was true it would have been lowered. From my conversation with them it is my understanding that the one criterion I am not meeting is credit card activity. Once the card was paid off I stopped using it for obvious reasons. I explained to them that only a desperate person would use a card with 29.99 % interest rate and I would n't start using the card unless it had a reasonable rate. In my opinion I have been responsible since that one missed payment and they are choosing to punish me for the life of the relationship. Chase informed me that they no longer use the same practice of penalty pricing but was nice enough to grandfather me in under the less favorable terms. I do n't believe the process they use gives me a fair opportunity to lower my interest rate to a reasonable level. I closed the card because they made it clear they did n't want my credit card business unless I was going to pay 29.99 %. I understand Chase is XXXX % covered legally on what they are doing but I believe their practices are unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint against XXXX XXXX. XXXX XXXX   illegally added their company to three credit bureaus. Experian, XXXX and XXXX. All three credit bureaus added the above as a derogatory mark on my credit, therefore bringing my credit score way down. They did not get the proper documents from XXXX XXXX to add this to my credit report.
Product: Credit card or prepaid card

I HAVE DISPUTED THIS ACCOUNT WITH XXXX   AND DISCOVER, I HAVE FILED A POLICE REPORT AND FTC REPORT. THIS ACCOUNT WAS BLOCKED PER SECTION 605B 15 U.S.C & 1681c-2. THEN THIS ACCOUNT WAS PLACED BACK ON THE FILE BY XXXX  SAYING THEY RECIEVED NOTIFICATION FROM DISCOVER SAYING THE ACCOUNT IS VALID. I HAVE EXPLAINED TO DISCOVER THIS WAS A RESULT OF IDENTITY THEFT AND YET THEY STILL ARE REPORTING THIS FALSE INFO ON ME. I ASKED XXXX  TO VALIDATE MTHIS ACCOUNT AND HAVE DISCOVER PRODUCE A CONTRACT/ APPLICATION WITH MY SIGNATURE, OR OTHER IDENTIFYING INFO, AND XXXX SAYS THAT DISCOVER DONT HAVE TO PRODUCE THEM ANYTHING AND AS LONG AS THEY SAY THE ACCOUNT IS MINE THEY WONT BLOCK IT EVER AGAIN. ALL DISCOVER IS SAYING IS THAT THEY HAVE MY PERSONAL INFO. MY RESPONSE TO THAT IS THAT IM A IDENTITY THEFT VICTIM SO OF COURSE YOU HAVE MY INFO. I WANT THIS ACCOUNT TO BE BLOCKED FROM MY CREDIT REPORT AND DISCOVER STOP DOING UNFAIR PRACTICES AND STOP TRYING TO COLLECT ON ID THEFT ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute the inquiry on my credit report made by XXXX on XX/XX/2023. I have no recollection of authorizing this inquiry and believe it violates consumer protection laws. The Fair Credit Reporting Act ( FCRA ) guarantees accurate reporting of credit history. Please investigate this matter and provide documentation to validate the legitimacy of the inquiry. If you fail to do so within XXXX days, I request its removal from my credit report. Kindly confirm receipt of this letter and update me on the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX HAS FRAUDULENT COLLECTION ACCOUNT PLACED WITHIN MY TRANSUNION CREDIT FILE XX/XX/2019 {$410.00} AND {$400.00}.
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 

Personal Info Current Address : XXXX XXXX XXXX XXXX, CA XXXX Current Address : XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX Previous Address : XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Previous Address : XXXX XXXX XXXX XXXX, XXXX  XXXX Previous Address : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX  XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Employers : XXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX  Employers : XXXX XXXX XXXX off XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX  XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XX/XX/XXXX {$1200.00} XXXX  XXXX XXXX XX/XX/XXXX {$860.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$5500.00} XXXX XXXX  XXXX XX/XX/XXXX {$200.00} late payment XXXX XXXX XX/XX/XXXX {$2100.00} credit inquiries XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email this morning stating my email had been updated on my Experian account. Upon attempting to login, I found this to be true. I have attempted contacting Experian for almost 4 hours, upon every phone number they have listed onlilne, as well as trying to reach someone through XXXX but with no luck. I have tried an online freeze of my accounts, as well as attempted to do this over the phone, and both ways fail. At this time, someone has applied for about 6 personal online loans using my credit report info from Experian, and I can not stop this.
Product: Credit card or prepaid card

On XXXX XX/XX/XXXX, I bought two tickets to the XXXX XXXX XXXX in XXXX, TN and purchased the tickets online through XXXX XXXX XXXX. The tickets were for seats XXXX and XXXX in section Tier Front, row XXXX  and the purchase price was {$270.00}, which was charged to my Chase Freedom card on XXXX XX/XX/XXXX. Because of COVID19, the show was postponed several times and was finally rescheduled for this Sunday, XXXX XX/XX/XXXX. Because we has a trip scheduled for XXXX XXXX, I requested a refund from XXXX XXXX XXXX, which was denied because the show had been rescheduled, and was advised by the company to try to sell tickets via stub hub, which I did, but without success. In the meantime, the trip was canceled, again because of COVID, and I was happy that I would get to go to the show. I contacted Secure Box Office and it assured me the tickets were good, but I contacted the XXXX XXXX XXXX XXXX ( XXXX  ) and called them. XXXX told me that there was no record of me having tickets for the show and that other persons had purchased the seats that I had reserved. XXXX had XXXX XXXX XXXX listed as a scalper and told me that I would likely not have success in contacting them. I have tried to call XXXX XXXX XXXX, but just get a recording. The company is obviously a scam and I have not hope of getting a satisfactory answer from them. Since I did not receive the product that I ordered, I contacted Chase to dispute the charge, knowing of course, that the charge was well over 60 days old. Chase refused to accept the dispute because it was old, but I explained that, because of COVID, I could not have possibly known that the tickets were not valid until now, Indeed, I could have just shown up at the XXXX on XXXX XXXX expecting to have seats and found out then. It was only because I was proactive that now know not to bother to drive to XXXX. It is clear that there was a billing error ( A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction ) on my XX/XX/XXXX statement from Chase, although I could not have possibly known about the error within 60 days ( due to COVID ) of the statement date, as required by law. Is there any recourse at all to get my money back for the purchase?
Product: Checking or savings account

I have XXXX Checking and Savings Account. I am requesting them to share with me the check images for two checks of {$600.00} each being sent on XXXX XX/XX/year> from my checking account sent to XXXX XXXX. 3 days - they agreed to send but they sent the wrong check images. I need to connect again..but customer service is taking forever to find out how to do it right... then 3rd time I need to connect - again taking so much time ... .and they can not access previous chat records. 

Very bad customer service. If XXXX is technology company why not they let customers do this as a self service rather than dealing with useless customer service folks
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts were fraudulently opened in my name and illegally reported to Transuion upon request to remove information with legal proof such XXXX police report ftc report ect and is still reporting fraudulent information after I sent in correct information for investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Personally, I'm writing to you. NO THIRD PARTY IS INVOLVED IN THIS DEMAND. 
This is not my first time alerting you to unfair practices. You verified these accounts without contacting me. The banking system relies on fair and accurate customer reports, and this is a big example of you being unfair. Without my consent, false information is reported. During your original investigation, your organization didn't tell me these inconsistencies would be reported. 

I'm letting you know that I've been a victim of error, which has made me distrust your company 's methods. Because of that, I will no longer extend my credit, and if this information is not erased, I will no longer enable you to record my information in your company 's database. 

I lost my reputation and credit due to your company 's mistake. 

Your company assumed that was accurate information without my, the consumer 's, or a competent court 's approval. So, you failed to initially investigate this information. You assumed this role and believed this information. ANOTHER VIOLATION. YOU CAN NOT ASSUME FOR ME OR ASSUME THIS INFORMATION WAS VALID. 

You didn't check this information and didn't act fairly. You didn't ask me if I made this transaction. My privacy was compromised, violating my private rights. 


In your original inquiry, you never offered me the chance to dispute this material was mine before you put it on my report. 

I will demand reimbursement for the harm your organization caused me by reporting incorrect information and that efforts are taken to prevent future violations of the Fair Credit Reporting Act ( 15 USC 1681 ). I also require a written confirmation. 

I'm writing again on my own behalf about these demands. There's no third party. I'm giving you another chance to meet my demands. My first attempt arrived via certified mail. Certified mail will be used for this attempt. 

REMOVE ALL ACCOUNTS LISTED BELOW OR THIS WILL LEAD TO MORE DAMAGES XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your help and assistance. { Also I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint 3 and contacted the police department and obtained a police report which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : ( Barclays ) Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

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

To whom this may concern. I sent a letter to XXXX and Experian regarding my credit report and stated that the late payments were inaccurate and incomplete, and for them to immediately remove all late payments. They did not investigate, neither did they remove the late payments. They updated my profile. The letter is below is what I sent to each credit bureau. 


To Whom It May Concern : According to the Fair Credit Reporting Act, 15 U.S.C 1681, you are required by federal law to report accurate and complete Information. The highlighted account is not accurate. How can the monthly payment be both {$35.00} a month and {$0.00}? This is inaccurate. You are in direct violation of 15 U.S.C 1681. You are also in direct violation of 15 U.S.C 1681e ( b ) which states whenever a consumer reporting agency that prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, which was not done. I demanded you to remove the late payments, not update. Please remove all late payments IMMEDIATELY of the accounts listed below.
Product: Payday loan, title loan, personal loan, or advance loan

Items I got loaned for rims and tires got stolen from XXXX men and police report was made and provided and they told me it will be covered with their theft insurance they have for lease customers for life of loan and after I provided that a couple of weeks later they continued to collect payments and acted like it never was reported to them
Product: Credit reporting, credit repair services, or other personal consumer reports

IHAVENEVERWENTTOXXXXXXXXXXXX.
ITISSHOWINGTOACCOUNTSONMYCREDITREPORTSONALLTHREECREDITBUREAUSANDFROMMOHELA,ACCOUNT#XXXXAMOUNTS{$1900.00}{$85.00}
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate.

The disputed item is as follows : Account Name : [ XXXX XXXX XXXX ] Date Listed : [ XXXX. XXXX, XXXX ] Account Name : XXXX XXXX XXXX Date Listed : XXXX XXXX, XXXX Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information. 

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law. 

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made. 

Please respond to this dispute within the legally mandated XXXX investigation period. Failure to comply may result in further action to enforce my rights under the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 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 reported in those account to be removed.

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. 


XXXX XXXX XXXX XXXX XXXX XXXX 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 1002 and It was never provided.

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This property is not affiliated with me. This is trust property. Remove this from my credit reports. This is my third time giving you all notice to not share my information with third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

wrong address and accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following Hard Inquiries are fraudulent and doesnt belong to me. Needs to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX  Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX