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

I was approved for a balance of {$12000.00} on a Chase Credit Card. I requested a balance transfer of {$12000.00}. I received an email asking if I requested a balance transfer of {$11000.00}. I replied " No '' as this was not the balance I requested. Chase now states that since I replied " No '' the balance transfer was cancelled. I explained to them that I answered their email correctly. I also received a letter from Chase stating " We transferred part of your balance '' and further " Amount we will transfer {$11000.00} ''. We were not contacted by Chase when the cancelled the transfer. Chase now states they can not transfer this amount do to their policies. The failure of chase to provide the service they had promised and approved has resulted in additional costs to us. We want to be compensated for our loss due to their " Bait and Switch '' tactics.
Product: Credit card or prepaid card

Citibank has lowered all of my credit limits and is damaging my credit score. I have never had a late payment and have never been over my credit limit. My credit score is being damaged by their malicious practices.
Product: Credit card or prepaid card

I called on XX/XX/2021 and reported XXXX charges that I have attempted to cancel for years. I was advised by Conduent that I had to cancel my credit card and they would waive the fee because the only to challenge the merchant is to complete a fraud report and change my card number. I advised the rep that I refused to pay the fee because it was the bank that decided to change my card number and she advised me the fee would be waived. After checking my statement and calling the call center on XX/XX/2021 I was notified that the fee would not be waived and there was nothing that can be done about it. This is deceptive and misleading. Also the denial of a disputes claim and being forced to file a fraud claim is violating the terms and conditions that I agreed to before I began using the card. I have also not received the documents nor the credits for neither the fraud or dispute claims. I am a requesting the documents for all my claims, the replacement card fee to be waived and the credits for the charges that I have been charged. As a government program to provided child support it is a shame that I have to go these measures to protect the money that I had to fight to receive for my children. I have not made a claim on this card since I have had it and to be treated unfair is shocking. I believe I have been discriminated against.
Product: Credit reporting or other personal consumer reports

These credit card companies have been reporting my personal non public information without my written consent. This is a violation of my privacy. 
- This is a violation of the Privacy act of 1974 and 15 USC 1681.

- Per the Fair Credit Reporting Act, as a Federally protected consumer, I am now opting out of ANY and ALL authorization I, the consumer may have given you, written or verbal per 15 USC 6802.

- These corporations does not have my consent to report my information.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit card or prepaid card

This is a complaint regarding a United Airlines booking I made on Chase Travel, in which I was wrongfully charged fees which were due to the fault of Chase representatives. 

On XX/XX/2023, I called Chase Travel to change a flight, and the representative confirmed my change at no charge. The following day, I still had not gotten a confirmation email, so I called Chase Travel again. After a series of escalations and discussion lasting 2 hours, I was informed that the change had not gone through, and that I had to pay {$450.00} to make the same change. 

As my travel dates were imminent, I ended up paying this amount, but the representative did file a Chase Travel support ticket regarding this issue and assured me that it would be looked into. I contacted Chase Travel again on XX/XX/2023, and upon giving them the support ticket number, the representative quoted me an entirely different minor issue that did surface during the rebooking process, but which I am not concerned about. Before she could update me on the final status of that ticket, the line disconnected and I did not receive a callback even though I had provided my callback number upon her request. I have also tried to contact Chase through their Secure Message center and they advised me to call the Chase Travel hotline to resolve the issue.
Product: Checking or savings account

I had a payroll check deposited into my account in XX/XX/2022 and it was held for 8 weeks because they suspected it was fraudulent it was the check I was getting for over 7 months from the same company the check was for just over XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

company is in willful violation of the Gramm Leach Bliley Act. See Attached.
Product: Credit reporting or other personal consumer reports

I have contacted LVNV Funding LLC about the collection account ( s ) listed on my credit report under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, which governs the privacy and sharing of consumer information. This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such accounts and also other documents so I may review to see if this is actually an account that belongs to me.
Product: Vehicle loan or lease

ON XX/XX/year>XXXX  I leased a vehicle from BMW Financial Services ( Car dealership in XXXX XXXX FL ) Shortly after the vehicle was repossessed. I put down {$25000.00} on the vehicle and just wanted to know the balance. As upon looking at my credit report the balance, the last date I made a payment was all wrong. I wanted under standing about this.
Product: Credit card or prepaid card

I was looking over my credit report and I noticed that a few 30 days late payments that weresupposed to be removed ON MY FIFTH THIRD BANK NA. The dates were XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in themiddle of moving and this alate mark is preventing me from moving into a new apt . I wasunder the COVID-19 SHUTDOWN and I believe I can use some help with the remove of thelate payments I am currently full current yet the late marks are killing my credit score I coulduse some accommodation to help protect my credit .The CARES Act calls these agreementsaccommodations. My SS XXXX DOB : XX/XX/XXXX. I  had to move do to job loss and never had a bill update.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It May Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681b. 
I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX Account Opened : XX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : 1. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report.

2. Provide the names of any entities that accessed my information without permission, along with the reason for access.

3. Notify other relevant agencies of any corrections, if applicable.

Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to Sincerely, XXXX XXXX
Product: Student loan

Navient is the company ( previously Sallie Mae ). The  loan was taken out by the primary borrower in 2007. The primary borrower for this loan has made over 100 payments since the inception of the loan. Both the primary borrower and myself ( the co-signer ) over several years have previously contacted Navient ( previously Sallie Mae ) requesting removal of co-signer from the account. Navient ( and previously Sallie Mae ) customer service had stated on multiple times to both the primary borrower and myself ( the co-signer ) that the co-signer would be removed from the loan after 12 consecutive payments. The primary borrower has made 12 consecutive payments 8 times over and they still have not removed me from the loan and continue to erroneously place late payment status on my credit report which I repeatedly dispute. The primary borrower has made over 100 payments to this loan. The co-signer has made none, not once since  inception of the loan 11 years ago. The primary borrower has show the capability to pay for this loan more than 100 times. Additionally, when the primary borrower recently contacted Navient to make payment arrangements which Navient agreed to, Navient chose to place a 60 day late payment report to my credit account and then a 90-120 day late report consecutively which has caused a drop in my credit score of over 30 points. This report of late payments is not accurate.
Product: Student loan

I 'm a former Student of XXXX XXXX XXXX. I XXXX in 2010. The school has always been a fraud. A couple of years ago, I tried to get loans discharged through Navient due to fraud but they shut me down. The school did not live up to the expectations. It defrauded students into believing they would walk out with job offers and high salaries. On top of that, too many students have loans including private that they did not take out themselves. The school applied and signed for them ( including me ) and never shared the paperwork. Now that XXXX XXXX has been proven to be that way, I would like my private loans removed. I 've already sent a Defense to Repayment for my federal.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that is inaccurate. 
This agency is in violation of 15 USC 15 USC 1681i, in your repose to my dispute you claimed that the account XXXX XXXX XXXX XXXX # XXXX You have validated inaccurate information and this account is hereby disputed. 
The information on this account being furnished on my consumer report in fact inaccurate. 
15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

List of accounts to be deleted The reporting of these account ( s ) is/are violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency 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.

How can you verify inaccurate information? You have violated METRO2 Compliance procedures and format for reporting! 
Delete this account from my consumer reports.
Product: Mortgage

I am filing because I am very unhappy with the way that Quicken Loans continues to mishandle my escrow account. I purchased one unit in a three unit condominium complex last XX/XX/XXXX in XXXX, MA. QL took from my escrow account and paid the taxes for all 3 units. XXXX will not break the tax bill into 3 individual parcels until the beginning of the fiscal year ( XX/XX/2018 ). 
The XXXX Treasury Department informed me that the appropriate procedure is for the loan provider to look at the Master Deed Agreement ( in my closing docs ) and only pay my portion of the tax bill which is 28.6 %. The city of XXXX does not take action on the entire parcel if other units do not pay the bill. 
Instead, QL took {$2900.00} from my escrow account and my portion of the tax bill should have been {$790.00}. I was also told that for the XXXX  tax bill, if my neighbors are slow to pay, QL will take money from my escrow to pay my neighbors taxes again since they must pay the taxes on the parcel associated with the unit. I am sure you will agree that this is outrageous. 
I have been working with XXXX XXXX at QL. She told me that she had investigated and QL did everything correctly. She told me it was only QL responsibility to pay whatever they pulled from the city as a tax bill on that combined parcel. Although the tax bill was significantly higher than planned in escrow, it was not QL responsibility to contact me prior to paying. This entire situation could have been avoided with one phone call. 
I am asking QL first and foremost not be allowed to create this problem again by taking my money and paying the entire tax bill for XXXX. I I am also asking QL to refund {$2100.00} to my escrow account and take my property out of escrow and recoup the money from the city or the other unit owners. QL will not lift a finger to help me recoup the money they took from my account. QL receives the benefit from interest free escrow, they should also shoulder the risk & responsibility and recoup, not solve their problem by stealing from customers escrow accounts. 
I am in discussions with my neighbors to try to get them to pay me instead of the city for their portion of the taxes. Hopefully we will be able to work it out and I will provide the money to QL to put back in escrow. However, Quicken needs to stop this practice and should not be allowed to take more than my share of taxes from my escrow account for next quarter. It looks to me as they intend to repeat the same problem. 
I have asked QL to stop handling my escrow. I am not required to escrow as my credit score is excellent and the down payment was almost 40 %. They have also refused and said I need to wait until the loan has been in place for 24 months. Incidentally, this is the second time that Quicken took money from my escrow to pay the wrong bill, but they did agree to refund in the first incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Oklahoma XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, My name is XXXX XXXX and I am writing to dispute several negative items that have been reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ), I have the right to request that inaccurate and outdated information be removed from my credit report. 

Firstly, I would like to dispute the following account : XXXX XXXX XXXX XXXXXXXX XXXX, Account Number : XXXX. I have noticed that the same incorrect information is being reported, and nothing has been updated. Therefore, I request that you remove the incorrect late payments from this account as soon as possible. 

Secondly, I am disputing the account : XXXX XXXX XXXX XXXX, Account Number : XXXX. I am interested to know how you are always able to verify something that never actually happened. I dont remember ever being late with any of my payments. Therefore, I request that you remove this harmful incorrect data immediately from my credit file. 

Thirdly, I am disputing the account : XXXX XXXX, Account Number : XXXX. Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. I request that you fix or delete this account from my report completely. 

Fourthly, I am disputing the account : XXXX, Account Number : XXXX. Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. I request that you fix or delete this account from my report completely. 

Fifthly, I am disputing the account : XXXX XXXX, Account Number : XXXX. Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. I request that you fix or delete this account from my report completely. 

Sixthly, I am disputing the account : XXXX, Account Number : XXXX. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Lastly, I am disputing the account : XXXX  XXXX XXXX, Account Number : XXXX. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

I respectfully request that you investigate these disputes in accordance with the FCRA and provide me with a written response. If you find that any of the information I have disputed is inaccurate, I request that you correct or delete it from my credit report. 

Thank you for your prompt attention to this matter. 

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

I already reached out to Experian and to XXXX XXXX and XXXX XXXX XXXX and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persists on my credit report.
Product: Mortgage

My XXXX payment was paid by my bank 's on line bill pay system. The mortgagor misapplied my payment to another account. The mortgagor says they never received it. I sent a copy of the front and back of the check proving payment. They are investigating. In the meatime, I've paid all subsequent mortgage payments. They reported that I'm past due when that is not the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I notified TransUnion that I was an victim of identity theft and that their company was assisting in the fraud by continuing to report fraudulent inquiries on my credit report. I spoke with TransUnion by phone and was told to send in an FTC Report proving that the information resulted in identity theft along with a cover letter and identification and the inquiries would be removed. Today XX/XX/XXXX XXXX  I called because I received a letter in the mail stating that the information was sent by a credit repair company and they were going to reject the dispute. They are making it possible to clear my name and they will not reinvestigate the information. It is their grave duty to report proper information and they are refusing to do so. I have attached all I sent with a copy of my driver 's license and the laws that they should follow, which is all that is required to block and delete this information.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH 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 my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported 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  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: Mortgage

I am one of many XXXX customers who had their mortgages transferred to PHH Corporation in XXXX of XXXX. I was under a trial modification with XXXX, had mad all trial monthly payments on time without failure. I was waiting the final documents when PHH took over. I mailed a payment on XX/XX/2019 to PHH, only to have them mail the check back to me. Accompanying document stated that the payment ( a certified bank check ) was insufficient. Yet, all other PHH notices indicate no payment is due until XX/XX/2019? 
I sat on hold today for over an hournever reached my relationship manager, XXXX XXXX ( ext. XXXX ). I tried sending an email, but their auto response states Ill hear back from them in 5-7 days. 
I just want to speak to a human, one preferably located in the USA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I entered into the XXXX XXXX XXXX XXXX XXXX with the intentions of purchasing a new/used vehicle .Upon making the decision on which vehicle I wanted I sat down with a sells rep to speak about my options. I advised the sells rep that I would be using my own funding from my credit union. A few months later I received a copy of my credit reports at which time I contacted the dealership as well as all companies that I had inquires from via phone, mail, as well as speaking with the Finance manager at XXXX XXXX XXXX XXXX in person who would constantly advise me to call the other companies. Many of the companies have stated that they have never had any of my personal information on file. The companies as well as the credit bureaus who said to contact the dealership. I have strong belief that my credit information as been leaked. Since then I have had multiple credit inquires report on my credit. Although I have tried to solve these problems on my own and have followed every protocol these companies have shown me less that the minimal customer service. During this entire process I have felt very unvalued as a consumer.