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

On  XX/XX/XXXX  I responded to an email from Chase inviting me to apply for the  Southwest Rapid    Rewards Plus    Visa   Card  ( {$69.00} annual fee ). I applied for the card and was approved for a Visa Signature card with a credit limit of {$35000.00}. A welcome email alerted me to the fact there was actually a  Chase   Southwest Rapid Rewards  Premier  Visa   Card  with a ( {$99.00} annual fee ) that had rewards benefits which were superior to the  Plus  Card. The email indicated you can upgrade to th e Premier Ca  rd.      On  XX/XX/XXXX , I called Chase and asked to upgrade to t he Premier ca rd and was told this was not allowed due to the  CARD Act . I was told by a  Chase  representative I would need to close/reject my newly opened account and apply for the  Premier C ard. I asked if there would be any issues regarding applying for a new account shortly after opening an account and was concerned about having multiple inquiries on my credit report. The representative told me " many customers apply for multiple Chase cards in the same day and are approved. '' Having excellent credit, I assumed this would n't be a problem for me.     I closed/rejected the Plus Card and applied online for the  Chas  e Southwest Rapid Reward s Premier Vi sa C  ard.  I received a message that my application could not be approved at this time. I called Chase and was told they could not extend any additional credit to me. This was my logic : opened Plus account ( + {$35000.00 } ) and  closed Plus account ( - {$35000.00 } ) so m y net credit with Chase is at  XXXX . Why could they not extend any more credit? I was told that was due to the fact I could re-open the card I had just closed. The only way for me to obtain th e Premier card  would be to shift credit from another existing Chase credit card account. The rep told me he could move {$2000.00} from an existing account and approve me for the  Premier C ard.     I could then re-open the Plus  Card  and move the {$35000.00} credit line to the n ew Premier  Card and then close the Plus  Card.  The rep performed the action of moving the {$2000.00} from an existing card and approved me for the  Premier  Card.     I received a letter in the mail informing me I have been approved for a  Chase   Southwest Rapid Rewards   Visa Platinum   Card.  At no point was I told that I would be applying for a Visa Platinum Card. My intent was to have the Visa Signature.     Chase is telling me because the new account was approved for a {$2000.00} credit line that it can not be a Visa Signature ( even though the credit limit is at {$35000.00} after performing the actions described above ). They say it can not be changed for  12  months.     Even though I have excellent credit and will be paying a {$99.00} annual fee, I will be receiving a level of benefits inferior to th e Visa Signature because I was not informed that by only moving {$2000.00} in credit instead of {$5000.00} would result in a Visa Platinum  Card.
Product: Credit reporting or other personal consumer reports

It appears that this item on my credit report has turned into a Charge Off but I noticed you never sent me a 1099 would you be so kind to send me a 1099 for a cancellation of debt of this item due to my financial hardship I would greatly appreciate it. Ive gone through a serious financial hardship and this would help me with my credit in the future. Also would request this information be deleted from my TransUnion immediately due to misinformation and inaccuracy. This has been longer than the days that are needed for the investigation 45+ days no response.
Product: Debt collection

Affirm inc account # XXXX Affirm in account # XXXX Affirm in is reporting information to my consumer report without permissible purpose. 
under 15 U.S code 1681b Permissible purposes of consumer reports. i never gave this company written permission to report anything on my consumer report no permission is identity theft. ive expressed to this company several times that this account should not be on my consumer report but they kept it on my profile anyway. Willingly after after i had sent them a certified letter with the violations.
Product: Checking or savings account

My parents wrote me and my wife a check in XXXX for getting married. We then tried to cash the check into our Ally account towards the end of XXXX since we had forgotten about it. Turns out my parent 's account had closed since then. 

Ally restricted our account because they viewed the check as suspicious. They also will not talk to me because I am not the one who caused the account to be restricted. However they have been restricting my account as well. We have called so many times and have been told that if we get the check writer to call them they will resolve it. 

We have gotten the check writer to call and she has been told the issue has been resolved. This is a lie, they just lied to her to get her off the phone. Nothing has been resolved, they have lied to the check writer, and they will not talk to me even though my account has been restricted.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, XXXX AND XXXX HAS SOME INACCURATE INFORMATION ON MY CREDIT REPORT THEY REFUSED TO DELETE/REMOVE. 
NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX- XXXX : XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX XXXX FL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX XXXX LA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX SSNs XXXX XXXX Year of Birth : XXXX PHONE NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX IVE RECENTLY PILLED MY CREDIT REPORT AND FOUND SOME ACCOUNTS THAT ARE NOT MINE AND INACCURATE. 
Spouse or Co-Applicant : XXXX Employers : XXXX   XXXX XXXX XXXX XXXX  XXXX ACCOUNTS XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX WAS NEVER LATE PLEASE CORRECT XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is still reporting Ive tried to dispute and spoke with company still will not remove my name is XXXX XXXX XXXX I never applied for this account and Ive never lived at address they are reporting I would like to get this items removed as this isnt me.
Product: Debt collection

The loan that I originally took out was through XXXX. This loan was later sent to XXXX XXXX for collections purposes. While the loan was with XXXX XXXX, I paid a settlement to settle and resolve the debt. This settlement occurred in XX/XX/XXXX. I have proof of this settlement occurring, which I will attach. Once this settlement was conducted, the debt was properly resolved on my credit report and all seemed to be done with this debt. 

However, recently the debt was sold Velocity Investments , LLC, and now XXXX XXXX XXXX XXXX XXXX is attempting to collect on this already-settled debt. I was given a window of time to dispute that this debt was owed ( by XX/XX/XXXX ). I have attached the proof that I disputed this debt as required. 

Despite disputing the debt as already being settled, XXXX XXXX XXXX XXXX XXXX decided to pursue this already-settled debt, which reappeared on my credit report later in the spring as having a balance owed and showing missed payments after the settlement date of XX/XX/XXXX. 

I have reached our to XXXX XXXX XXXX XXXX XXXX twice now regarding this issue, and provided the proof of settlement information to them each time. Not only has the issue not been resolved, but they have not responded to my inquiries at all. 

I will be attaching the proof of settlement and proof that I disputed the debt through XXXX XXXX XXXX XXXX XXXX. ( I also have a video of me mailing the letter to them, to show that it was sent. However, this video can not be attached below but can be provided if needed. ) Additionally, I've included the screenshots of both emails I have sent to XXXX XXXX XXXX XXXX XXXX to try and get this issue resolved, both of which have received no response at all.
Product: Vehicle loan or lease

This evening, XX/XX/XXXX, my vehicle was repossessed for no reason and the police were involved because I refused to let the tow driver take it as I provided proof that I was not behind on my payments and my insurance is paid and up to date. He stated Bridgecrest placed it in repossession for {$50000.00}. How can that be when the vehicle isnt worth {$50000.00}, its a XXXX XXXX and Im current on everything. Bridgecrest provided false information to the XXXX XXXX XXXX and my husband was assaulted fir attempting to get some of our stuff out of the car. Since this was a civil matter I told him the police cant make me give up something especially when Im not wrong. 

The information the tow driver provided was on a computer screen which said I owed {$50000.00} dollars for a XXXX XXXX. They seem to make a lot of mistakes. The officer, XXXX XXXX, Ohio Ohio Department, also told the tow driver everything was current and my next payment wasnt due until XX/XX/XXXX and also told him my insurance is current and paid. If a warrant is issued and theres a mistake its no good so how did the driver take my vehicle? 

This is the second time this has happened the last time was XX/XX/XXXX and it took me a week to get my vehicle back and I had to pay double what they said I owed. The took my vehicle to the auction in XXXX, Ohio after telling me my car wasnt going anywhere and it would be in XXXX, Ohio. I had to take a day off work to drive 3 hours to get my vehicle and we paid for a hotel stay because the auction lot closed at XXXX. I thought it took 90 days before they could put a vehicle up for auction. 

Now the tow company comes and my husband gets assaulted by the driver. The same driver almost smashed my hand in the back hatch because I opened it. Bridgecrest has caused me and my husband stress in the past and now its escalated to my husband being physically assaulted. 

I can be reached at XXXX. I have everything to proof there is no defaults.
Product: Checking or savings account

I had been charged multiple over-draft fees in the amount of {$400.00} for the account XXXX in the past 2 months. Over a {$1000.00} in total since XX/XX/year>, XXXX XXXX without an active overdraft agreement covers charges over {$100.00} over drafting account instead of simply denying it. Then it applies overdraft fees {$34.00} dollar fees to each small transaction of XXXX, XXXX or XXXX dollars where based on their current advertising even without overdraft agreement they pledge to cover charges up to a {$100.00} without overdraft fees for a few days until customer deposit funds to cover it. If they would have covered small amounts I would not have kept getting overdraft fees and spending all my earnings on covering them. ALSO, some of the charges they covered were from disputed, unauthorized transactions or collection transactions which I couldn't afford to pay at the moment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these inquiries to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

Me and my wife made reservations to XXXX XXXX in Arizona in XXXX of 2019 because it is the only way to ensure you can get a space. We only had an opportunity to go in XXXX XXXX 2019 ; however, at this point in time we financially can not afford to continue with our reservation so we cancelled it online which is the only option and that was successful. The other item which was the mule pack on XX/XX/XXXX and XXXX can not be reimbursed and there is no number to call or email to have someone reach out to you. I have not utilized the services and I was originally charged without my consent anyway. I am extremely frustrated because my bank is not giving me an option to even file the claim for a service I have not even received yet and will not be using now. 

My XXXX XXXX card was charged on XX/XX/2019
Product: Debt collection

A representative from the company called me and when I called back because I didnt recognize the number stated they were calling me about a loan with mariner finance. I asked him was he sure he had the person and then just proceeded with the call. He stated he had a check I had for a loan and when I asked him to send he said they would but lets resolve the issue. I explained to him i and never heard of him or his company and he then stated they were on my credit report. I told him that was not correct and he then ran an inquiry on my credit report with out my permission. He stated I have given them pro mission and that was not the case because I have never heard of the company. When I told him I was recording the call he then hung up and they refused to answer my calls. I then pulled up my credit report and it was an inquiry for this company on my report. I tried calling them several times and they just sent me to voice mail.
Product: Student loan

First, their website is not-user friendly and has multiple barriers to making on-time payments, but most notably, their customer service is deceptive and inequitable. They encouraged me to set up an automatic payment after my due date and told me I would not be reported for a late payment if I had one scheduled. I asked twice for confirmation. I called again when they sent me another notice to confirm, I even offered to move my payment date. I even became too uncomfortable with the situation and so on my final call they assisted me in setting up to pay the loan in full on my next due date ( the due date they listed on the the notice ). YET they reported me as late. Their explanation was that my due date ( the one they chose ) was the first of the month and since they report to the credit bureau on the last of the month, they had to report me as late. YET I had called on the last of the month ( which they admitted they had documentation of ) to pay the loan in FULL! They did not communicate that they would be reporting me THAT DAY. I told them to schedule the full payment and they could have scheduled it for that day but instead they waited to withdraw it two days later. Even thought I had called that day and offered to pay the loan in full, and even scheduled to have the loan be paid in full, they reported me to the bureau. 
When I called to confront them they said that they had documented that I had declined to schedule a payment earlier in the month ( even though they also have it documented that I did schedule one on my own ) and that I had scheduled to pay it in full after the reporting date ( it was schedule for the due date THEY gave me which was the day after they had planned to report me ). I point blank asked if I would be reported and that my intentions were to pay off the loan, I was told NO. This is fraud, I have the phone call history of calling them three times before my due date. Ethical customer service would have said " hey, since youre going to pay it off in full, why don't you pay today to prevent a past due report? '' This is a horrible company that does not support borrowers, that does not provide ethical customer service and lies in their documentation. Now my credit score is tarnished due to their deceitful actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a written settlement agreement with Prosper and satisfied the terms of the settlement agreement. The settlement agreement ( copy attached along with other correspondence ) clearly specifies that Prosper " shall notify the credit reporting agencies that it reports to that Borrower 's account has been settled in full ''.

Prosper is instead reporting my account as " settled for less than the full balance '' which is considered a derogatory account on my credit. 

I have exchanged numerous emails with Prosper and Prosper is now claiming when a settlement is completed, there is only one credit reporting update that is sent to the credit bureaus which states the loan has been settled. The credit bureaus display this reporting as settled less than the full balance. 

This not what is stated in the written settlement agreement. If this was the case then Prosper should have disclosed the following language in the settlement agreement : " You confirm your understanding that the credit reporting agency will reflect your account as " settled for less than the full balance ''.

This significantly impacted my credit score and has delayed me refinancing my home and rates have increase by 1.5 % since this was reported in XXXX. 

This needs to be brought to light as there are likely hundreds of folks like me who have been misled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account has violated my rights.

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX bank claim account opened on XX/XX/2021, and the credit run-up is XXXX. I explained to the provided proof when first contacted in reference. That I had been in Michigan since XX/XX/2021, helping my parents. My dad was placed in hospice around that time. While gone, the neighbor 's daughter allegedly was the one who broke into my home, took a nice one, stole XXXX that I no longer used, and did quite a few things without my permission. I even provided the XXXX lady 's name. The police couldn't do anything because there wasn't any hard proof, just hearsay. The company was supposed to send me a packet and didn't. I mean, what more can I do? I'm also trying to clean some other things up from that mess. But I refuse to pay for something not even close to mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX XXXX Experian XXXX XXXX has not replied to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the accounts listed below. I believe it was reported in error. 
XXXX XXXX XXXX Balance Owed : {$850.00} ; XXXX XXXX  XXXX Balance Owed : {$6000.00} ; XXXX XXXX XXXX Balance Owed : {$990.00} ; XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$36000.00} ; XXXX XXXX XXXX Balance Owed : {$3400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The items are not my items
Product: Checking or savings account

I received an email from Chime on XX/XX/XXXX welcoming me to Chime. I contacted Chime on XX/XX/XXXX to communicate with them that I did not open the Chime debit / checking account with them. I informed them that this account was opened fraudulently and requested that they close it. I then uploaded documents that Chime requested for their records. The documents consisted of a Federal Trade Commission Identity Theft Report, a XXXX XXXX Police Identity Theft Report, along with a letter asking for Chime to release any and all information and transaction records relating to my account. 
I previously filed a complaint against Chime with you and they did not supply the additional information to me that I requested in the complaint. Chime did not resolve the issue addressed in the complaint that I filed with you. They did not release the requested documents pertaining to the opening of the fraudulent account in my name. 
In addition, they state in their response to the first complaint that I filed with you, that if I wish to receive additional information regarding the fraudulent account that I should email them at XXXX. Per their request, I sent them an email on XX/XX/2024 and asked them to send me a secure link to attach the additional copies of my identity theft reports along with the last four numbers of my Social Security number. 
Chime responded to my email the same day stating : Allow me to kindly explain, to ensure that were providing the fastest and most secure support experience possible ; we will no longer offer member support through email. In this case, for us not to miss any information and to assist you effectively specifically with your Chime account, it would be best for you to call us directly at ( XXXX ) XXXX. Rest assured that your concern will be taken care of once contact is done. 
I've called Chime numerous times after receiving this email and I did not get any farther. Their representatives barely speak English and appear to be reading off of a script. 
Also, XXXX XXXX, XXXX. services Chime and they emailed me a request to fill out their identity theft report. They did not report this correspondence with you. I was advised by my attorney and the Sheriffs Office to not fill this identity theft report out because the identity theft report from the Federal Trade Commission and the Sheriff 's Office that they have on file should be sufficient evidence that I am whom I say I am. 
Since then, I have sent Chime another copy of my Federal Trade Commission Identity Theft Report, the Sheriff 's Office Identity Theft Report, and the last four numbers of my social security number. 
Chime is still giving me the runaround.