23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible. 

Thank You
Product: Credit card or prepaid card

I made a purchase of {$740.00} on XX/XX/19 through XXXX using their Chase XXXX XXXX card. The item was tagged on the website as being eligible for 0 % APR for 18 months @ {$41.00} per month if I used the XXXX card, which I did. After the item arrived I called XXXX on XX/XX/XXXX to verify the promotional APR, since it was not showing on the Chase on-line banking site for the XXXX XXXX card. I was told by XXXX rep XXXX that it was eligible, but that the promotions were handled by Chase. I then called Chase and spoke with XXXX who confirmed the 0 % APR and said that my payments of {$41.00} would be reflected on my XX/XX/XXXX statement. However, when we got the statement that was not the case. I called Chase on XX/XX/XXXX and was told by XXXX that they would listen to the recording of the XX/XX/XXXX call and get back to me. Yesterday, XX/XX/19, they called back and informed me that " yes, XXXX had said that, but he was wrong and you will not get the promotional APR. '' I then spent two hours on the phone with XXXX and Chase trying to get this resolved. Each of them says it is the other 's responsibility, and no one at either company was able help me even though I talked to eight different people! Today, XX/XX/19, I spoke with XXXX, " a US Supervisor at XXXX, '' who told me " that they had numerous complaints about Chase not honoring these promotions, but that there was nothing XXXX could do for me. '' CFPB please help me! Thank you
Product: Vehicle loan or lease

Cancelled online caravana car purchase order XXXX money missing from my account XXXX as a reversal. Caravana took my money after I canceled the order yesterday.
Product: Debt collection

ALLIED COLLECTION SERV Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone number ( XXXX ) XXXX This company has never notified me of any debt owed. I have never had any communication with this company by any method. If I didnt check my credit report I would have never known about this. Also it appears that this company has been adding to this debt $ XXXX every XXXX weeks to my report only.
Product: Bank account or service

I disputed an unauthorized transaction in my account and the bank refuses to issue a provisional credit why they are investigating. They told me I have to wait 60 days.
Product: Prepaid card

I am the XXXX for my son 's SSI benefits via the Direct Express debit card. On XXXX XXXX I tried to withdraw $ and had a {$0.00} balance. His deposits are on the XXXX of every month, XXXX was no exception, that '' s verified. The transactions were made XXXX ( I live XXXX ) with a cloned card according to the XXXX XXXX fraud department. ( where the major transactions were made ), I filed a police report locally as instructed and filed Direct Express fraud packet. They say they have received it, but it will take XXXX90 days to review. ONE phone call could clear up any issue that I had anything to do with this! NO REFUND..I 'm about to be evicted! ANYONE you talk to on the phone gives you the runaround! I see after doing some research, MANY people experienced the same thing! In XXXX or previously! Something is being breached within that company! Too many people with the exact same story ... .and no $ returned!
Product: Credit card

Home Depot has unjustifiably deminished my credit worthiness. As the attachment hereto indicates, I have never missed a monthly payment, yet my accounct is now classifeid delinquent. My efforts to clear this problem up via telephone was hampered by my inability to understand what the foreign representative was saying.
Product: Credit reporting

Transunion is blocking positive information from reporting on my credit report. I am an authorized user on my husbands XXXX and have been since 2001. XXXX reports authorized users each month and Transunion had reported it on my credit bureau report for years. I am trying to buy a house so I recently contacted Transunion to ask them to update balances etc. on my credit report for my XXXX. I only wanted them to report accurate information. They advised me to file a dispute with them so I did. ( see attached example ). Transunion instead of updating my raised credit limit and XXXX balance instead DELETED the positive account from my report. I was then told by dispute department that because I was an authorized user and I filed a dispute they immediately removed it and they would never allow it to be reported again. I only filed the dispute because that is what THEY told me to do. Because of one of their employees errors my credit score suffers. XXXX established length of credit for me as I have had it since 2001. I worked with XXXX and they reported it on XXXX XXXX and also manually on XXXX XXXX but Transunion is blocking it. If you check reports prior to XXXX XXXX you will see that XXXX reported on my account. XXXX XXXX XXXX ending in XXXX
Product: Credit card or prepaid card

JP Morgan Chase reduced my credit card maximum amounts across all my lines of credit on XX/XX/2021. 

Each account was reduced to only {$300.00} above my balance due. My credit report has now been impacted, with my score dropping 10 points. I now have a 70 % utilization rate.
Product: Credit card or prepaid card

I did a balance transfer and paid {$3400.00} in full and now there trying to charge an additional {$120.00}.
Product: Debt collection

I received a notification from XXXX of a debt collection from Procollect claiming I had a XXXX dollars from XX/XX/year>. It says it is from XXXX XXXX in XXXX Texas somewhere I have never lived. I have attempted to dispute this collection 3 times with XXXX and XXXX and the result always comes back saying the collection was verified as mine but never have proof of paper work signed by me or anything to confirm. I have called Procollect which is no help as they just want the money and will argue with me about making a payment instead of just sending over the contract to say it belongs to me. This has been detrimental to my credit and has hindered me from moving to an apartment!
Product: Debt collection

I was advised by my XXXX  doctor that if I want to, I can get a XXXX XXXX XXXX at my local hospital but that my insurance would not cover it and it is a {$60.00} out of pocket fee. I decided to be better safe than sorry and I set up an appointment at XXXX XXXX Hospital and asked again at that time how much this will be. again i was told that it is a {$60.00} out of pocket cost and that insurance does not cover the test. I went in and had the test done at which time I paid the bill of {$60.00} expecting my results to be forwarded to my XXXX  doctor. After not receiving any results from the hospital or from my doctor I assumed that the results were good and no news is good news. Several months later I received a bill from a place in NJ ( XXXX XXXX  XXXX  XXXX XXXX XXXX ) for the amount of {$220.00}. I then contacted a representative from that company and told them that I paid for the test at the time of the appointment and she said that it must be an error on their end and that she would take care of it. Well long story short, they sent it to collections and now my credit score has been affected by this not to mention my ability to refinance mt home at a lower rate. I never asked for a third party to review my records of to get involved in this matter at all. the reason i took thetest was because I could only afford the {$60.00}. I never received any type of paperwork or test results from XXXX XXXX XXXX XXXX. 

Thank you for your help XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX My Information was sold and bought illegally because I was a victim of the XXXX Data Breach. I want these items deleted from my credit reports effective immediately. 
I am attaching proof that XXXX has admitted that i was in fact a victim of this data breach, XXXX, Experian and XXXX have done nothing to fix the misuse of my credit. 
Please help me delete illegal accounts from all of my credit reports. 
The following accounts, addresses and inquiries were fraudulent. 

Fraudulent Addresses NEED TO BE REMOVED XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX Fraudulent Accounts NEEDS TO BE REMOVED XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEEDS TO BE REMOVED Fraudulent INQUIRIES NEEDED TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I opened a CapitalOne XXXX XXXX in XXXX. CapitalOne claimed fraudulent activity and put a restriction on the account. Since CapitalOne did not have sense to change the account and send a replacement like other reputable credit card companies, I requested this myself. The account was changed but I never received the replacement card. CapitalOne 's " customer service '' is horrific and I wrote several letters with no response, i.e., XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. I have never had a late payment and my balance was well below the credit limit when I called on XXXX/XXXX/XXXX and was transferred to the fraud department. I lost the phone connection while on a long hold with a woman claiming to be a supervisor. Thereafter, I received a call from XXXX from a monster of man who repeatedly refused to give his name. He falsely claimed I was supposed to give the source of deposits in XXXX. This is ridiculous, there were no deposits and this a credit card, not a bank account. No request for a source of any kind was ever made. This monster then said then he was closing the account and I would receive a letter with no reason given for the closing account. The letter dated the same the same day, XXXX is also nameless and does not give a specific reason for closing the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I repeatedly reported ID Theft, Fraud re : Cap One credit card.

I received bills from Capital One in XXXX saying I owe them {$690.00}. I reported it to XXXX, Capital One. I don't have a Cap One credit card. I've never had a Cap One credit card. I didn't open a Cap One credit card online at XXXX XXXX. I use my name : XXXX XXXX XXXX, XXXX. I'm XXXX XXXX XXXX, retired. Cap One says I opened a credit card with the name " XXXX XXXX XXXX '' on XX/XX/XXXX online and that I'm responsible to pay them {$690.00}. I didn't. I'm not responsible. Cap One can contact the vendors that represent the {$690.00} and find out who is on their video cameras at checkout that used the card, because it wasn't me. Cap One did a hard pull on my 3 credit reporting agencies : XXXX, XXXX, XXXX dropping my credit score from XXXX in XXXX XXXX down to XXXX in XX/XX/XXXX!! My credit score lost XXXX points not my fault!! WHO can REVERSE this poor credit score DAMAGE to ME??!!! Can Cap One be responsible to me for them letting a computer hacker scam them about my IDENTITY? Cap One should restore my credit back to XXXX, tell the 3 agencies the mistake and erase the poor Cap One credit reported on my credit accounts & my bank XXXX in NY. XXXX XXXX Police arrested XXXX XXXX XXXX on XX/XX/XXXX in XXXX XXXX NY, and he is now in jail at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY. I need these mistakes to be corrected right away and I need Cap One and the 3 agencies and XXXX XXXX XXXX to be notified. The XX/XX/XXXX Cap One Fraud Case # is XXXX and XXXX XXXX XXXX case # is XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institutuion and Zelle failed to investigate my claims adequately, They informed me that recovering lost funds was impossibl and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

A Chase Amazon credit card was opened in XXXX of XXXX with a credit limit of {$4900.00} which remained at or above balance since XX/XX/XXXX. 

For 15 months, I paid the minimum due within 30 days of due date, and remained at the high balance. 

On XX/XX/XXXX, I paid off the entire balance of the card, and Chase Amazon contacted me XX/XX/XXXX to let me know they have decreased my limit to {$500.00}. 

The letter states this is due to a periodic review and the following : XXXX. Balances on accounts are too high compared to credit limits XXXX. Number of accounts currently in use XXXX. You have one or more recent past due payments on your CHASE accounts However, the timing is very suspicious and these periodic reviews would have shown that the above listed reasons have been the situation for the majority of my time with the account. Chase did not make any changes to my limit when my balance was at or past the limit, and when I was paying the highest APR and interest rate every month. This now removes {$4300.00} from my overall credit limit, and keeps me at a high utilization rate. This types of behavior are discriminatory and practices that are intended to keep individuals in debt. I file a complaint against Chase and I have contacted them to file an investigation, which has led to them stating the same exact thing as the letter. I do not know if taking this time to write and express my experience will go anywhere, but I here is to hoping.
Product: Credit card or prepaid card

To Whom it may XXXXoncern, Name : XXXX XXXX XXXX ; Credit Card number : XXXX My name is XXXX XXXX XXXX and I understand that I have completed the requirement for the promotion, to receive XXXX Delta Skymiles as it was advertised on the American Express website. I did apply and was approved and I did spend {$3000.00} to full fill the terms of the bonus points but instead I got only XXXX Delta skymiles. When I contacted customer service they demanded provide them with direct solicitation mail. I believe if city advertising XXXX XXXX Skymiles online they should be able to track customers who have applied online following their add. 

I am asking Consumer Financial protection agency to investigate this incident which sounds like a false advertisement. I am asking American Express to honor their promise and honor XXXX XXXX Delta Skymiles. Please see below what American express had regarding their bonus offer : XXXX SkyMiles after spending {$2000.00} in three months, {$XXXX} statement credit after first XXXX purchase in the first three months. Plus, earn an additional XXXX bonus miles after spending an additional {$XXXX} in the first six months. 

Thank you for your time, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX and again on XX/XX/XXXX an unknown individual used my information to cause Chase Bank to reverse several transactions causing payments not to be completed through several of my normal monthly payments. In turn, the excess funds were then withdrawn from my account using a debit card with my PIN number. I did not authorize nor did I perform any of these transactions. I reported to Chase Bank immediately when my payments were canceled and I was notified by my monthly account holder. All attempts to rectify the situation were denied claiming the use of the debit card was an individualized occurrence and would not be reimbursed. Chase allowed someone to access my account without my knowledge and refuses to accept that they are responsible for the situation.
Product: Credit reporting or other personal consumer reports

Transunion is regulated by the FCRA and in occurdence with the FCRA. XXXX must comply with The Privacy Act of 1974, 15 U. S. C 1681 a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers ' right to privacy. I have not verbally or given any written agreement to XXXX that allows them to report or provide any information on any report pertaining to FIRST LAST. They have violated 15 U. S. C 1681b, 15 U. S. C 1681c, 15 U. S. C 1681e ( a ) ( b ) and being as though XXXX has not received any written instructions from a federally protected consumer. XXXX has stolen my identity under 12 CFR 1022.3. Identity theft means a fraud committed or attempted using the identifying information of another person without authority.
Product: Student loan

I am submitting a complaint today on XXXX/XXXX/15 due to the fact that I ambeing overcharged for my private loan which is a parent plus loan withXXXX XXXX. When I first visited with my parents on the campus todiscuss financials, we were told that the amount would not exceed {$20000.00}. I had come from a XXXX college called XXXX inXXXX, IL. I had received an associates there and was able totransfer XXXX credits to Argosy University in XXXX, IL. 
I still had a remaining XXXX credits to achieve my XXXX degree. 
We had decided that I was to attend school full-time. I also wasnotified on the news that Argosy University was being sued forover-charging students on their loans which has caused financialdistress among XXXX students including myself. I had receivedaround XXXX stipend checks which I returned back to the lender andchose not to keep them. I felt this was the best decision for me, because I did n't want to accrue anymore debt. When I had completedschool, I had received checks from XXXX XXXX and XXXX servicing. 
My federal loan balance was around {$9000.00} and my XXXX XXXXloan ended up being {$38000.00}. We were completely shocked overthese numbers because this was not what we were told. I have beenpaying the loans without a doubt, but will struggle. I have not been lateonce. I spoke to XXXX XXXX multiple times stating that it was difficultfor me to make payments, but were unable to help me. I told themI had made on -time payments and they could n't arrange anything. 
My concern is not the federal loan at this point, but the XXXX XXXX. 
I have attached XXXX documents which include history of my account onmy portal with Argosy University which show all the charges accruedand voids of my stipend checks. I have also included the tuition feeschedule to show what should have been charged per semester. Mygoal is to reduce my financial stress of my total loan of {$47000.00}. 
I believe my account history should be looked over very carefullywith hopes that I can lower my loan amount which is what Iwas promised from the counselor. I do n't believe this amount iscorrect and I am struggling making these payments due to myother accrued expenses elsewhere. The person I did speak with isXXXX XXXX with Argosy University. I do n't have a high enoughincome to support these payments. I have just graduated. 
XXXX XXXX which is led my the state, had revealed on the newsthe large amount of students being misled and overcharged forstudent loans and I believe I am one of them.
Product: Credit card

ISSUE : NewCredit card issued by Citicorp for Costco. 
Must call Citicorp XXXX number to pay bill and does not disclose my amount to pay each month. Unable to use my current checking account with XXXX directly to pay. Used to be able to use XXXX directly with { Costco } XXXX credit card. Appears like restriction on banking.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with your credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies that are ordinarily invoked by such debt collector or creditor ; I have had an identity theft clause on my IRS record since 2011. I am not able to file taxes electronically, I do not understand how certain companies were able to apply for a loan for me when i signed no papers asking for this XXXX loan that is now currently bumped up to XXXX from a business starting with XXXX XXXX XXXX. 
Also Incorrect Information is on my report incorrectly showing accounts are stoill open. Accounts such as : XXXX, XXXXXXXX XXXX, XXXX XXXX where I was authorized user on someone's account that is no longer open is closed due to consumer 's request. 
Also these are the companies refusing to remove these things from my credit report COMENITYXXXXXXXX Dispute Dispute ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX Dispute Dispute ( XXXX ) XX/XX/XXXX XXXX  Intervention Intervention ( XXXX ) XX/XX/XXXX have been trying diligently for years to recify this issue and I beleieve improper use of my credit report have been shared without my consent right along with credit inquires from unknown sources such as the approval of the XXXX account recently opened. My information has been misuused and distributed based on the fact of my identity theft i have had in place since 2011 with the IRS
Product: Credit reporting or other personal consumer reports

I checked my credit report and notice I have XXXX inquiries that I didnt get any notification for I have a fraud alert on file Im suppose to be notify when my credit is being run or used and I have not been notified to identify my identity, most of which are duplicate inquiry that shouldnt even be there the only pull I should have is from XX/XX/2024 that I did myself and even on that date I was yet to be notify with a fraud alert on my file I want my inquiries removed I try calling every day and Im told do to a current dispute I cant do anything with my credit please remove immediately