23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to formally file a complaint about the handling and misinformation regarding my Chase Plan, initiated in XX/XX/2023. 

I enrolled in My Chase Plan for around {$50000.00} payment, to be paid over 24 months. According to the email confirmation from Chase, I understood that I should pay the " interest-saving balance '' to avoid interest on new purchases and only pay the " statement balance '' if I wished to settle the plan early. 

Following these instructions, I set my automatic payments to cover the interest-saving balance. Due to limited credit availability, I made a substantial transfer in XXXX to free up credit for additional payment. However, to my surprise, these prepayments were applied to my Chase Plan, significantly reducing its balance, contrary to my intentions and understanding of the plan 's terms. 

Upon discovering this, I contacted Chase customer service multiple times. Initially, I was assured that the issue would be rectified in the next billing cycle. However, subsequent communications yielded inconsistent information and, ultimately, I was informed that the payment structure could not be adjusted, although the interest was waived. 

This situation has caused significant inconvenience and financial strain. The primary issue stems from the lack of clear information regarding the terms and mechanics of My Chase Plan, which led to the unintended application of my prepayment towards the plan 's balance. This misunderstanding has resulted in an unexpected financial obligation of approximately {$70000.00}, far exceeding my initial expectations and current financial capacity. Had the plan 's terms been clearer and my prepayment applied as intended, I would be required to pay only around {$24000.00} immediately. 

Therefore, I reque

st a thorough review of my case and a proper resolution that aligns with the original terms of My Chase Plan. The inconsistent information and misapplication of payments have not only caused financial distress but also eroded my trust in Chase 's services. Thank you for your prompt attention to this matter. I look forward to a resolution that is fair and in accordance with the original agreement of My Chase Plan.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

My name is XXXX XXXX loan # XXXX. I entered into a forbearance agreement XX/XX/XXXX with an agent and was told it would not affect my credit adversely. As of today XX/XX/XXXX it is showing on my credit report. To my knowledge/research under those terms they were not supposed to report to any credit bureaus preventing me from refinancing my home. Freedom Mortgage # said they had the right to/option ( XX/XX/XXXX ) to report to the credit bureaus when an agent told me that it was not going to be reported to any credit bureau XXXX XX/XX/XXXX ).
Product: Debt collection

We have requested multiple times from the apartment ( XXXX XXXX apartments, XXXX XXXX XXXX  ) and the debt collector ( XXXX XXXX XXXX ) to be given the whole file, we had a cockroach and XXXX mold infestation that caused chronic respiratory issues with my XXXX small children, after repeated attempts to have maintenance fix the issues we left the apartment for the health and safety of our children. We contacted the office and offered to work out a deal but they hit us with a {$7800.00} bill ( more than 6 months rent ) and threatened legal action against us if we did not pay the full amount immediately. we contacted them again several weeks later again and offered to take responsibility for the broken lease charges if they would work with us on the insane bill. they refused and shortly there after a bill collector. We disputed the account on transunion and shortly there after were reported to all XXXX bureaus ( retaliatory actions ). We specifically asked the debt collector for the credit file and the investigation file and received nothing. We asked the property XXXX for our complete files showing the maintenance request we submitted and the work orders and inspections of completed work and never received them because they don't exist. They never addressed serious health hazard 's and we were told by maintenance that they had requested a roof replacement but could only patch the roof and not replace it because management would not justify the expense. It leaked every time it rained and XXXX mold was growing through the ceiling, which they just painted over and never applied correct mold remediation techniques to safely contain the health hazard. which is why we left.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I Paid Off The Account In Full I Have a Letter And Bankstatement Proving This They Have Lied To The Credit Breau And Told Them It Is A Charge Off They Keep Charging My Credit I Am Trying To Build Credit And I Cant Do That With A Negative Account On My Credit I Have Made Numerous Of Dispute Still No Luck
Product: Checking or savings account

I have a duplicated transaction happend on my Discover Debit Card and another bank debit card. I submitted support documents as the evidence to Discover bank for claim my money back but they thought the bank statements of the transacntion from another bank is not enough for the dispute claim. My Discover Checking Account number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I try to lift a freeze on my credit since Friday XXXX I try to do it on my Equifax webpage so It shows me that it was a problem to retrieve my information to lift the freeze so I decide to call them the same day so I called and they try to lift the freeze but they ask me what I need the lift for so I tell them that it was for a refinance loan I was working with my credit union so they try to sell me some of their products but I tell them no thank you I already have my credit institution I working with so after this comment suddenly they said they star telling me that they can not access to my credit report so the weird thing is that I can sign in to my credit report and I was able to check my credit score but shows me a message error when I try to manage my freeze on my credit, so they told me that suppose they having problems with their system and says if I can call them later,. so I call them 2 more times that day and they told me the same thing, so today is Monday XXXX and they said still having the same problem I try to contact somebody in their Corporate office in XXXX so I believed was the Chairman Executive XXXX XXXX but he just answer the phone and before I can explain the whole problem he just transfer me back to other agent so this is a serious issue is causing me a huge problem to get the refinance loan on my house and my credit institution is waiting for this lift to keep moving forward with the process so please help me to fix this issue thank you so much for all the help you can assist me with.
Product: Student loan

I submitted for my annual recertifiction well before it was due to Nelnet. I have a third party that checks on the status of my account and they indicated that the application was received and currently in process. It was n't until the application was almost expired that I received a notice requesting additional income documentation. When I originally submitted my income driven repayment plan recertification I had not filed my XXXX return as I had filed an extension so I submitted the application with my XXXX return as the application indicates. Nelnet took so long to process my application that I fell out my income driven payment and into the standard payment although it was submitted 2 months in advance on XX/XX/XXXX. I did not file my tax returns for XXXX until XX/XX/XXXX. No Nelnet is  requesting that I submit a whole new application because it is too old although it is their fault that it has taken so long. I submitted my XXXX return as soon as I had it and they are making me wait an additional month to process and forcing me to submit another application since I am no longer in my program because of THEIR slow processing. If they would have told me initially to send them a copy of my extension I would have, but the DID N'T tell me ANYTHING until it was too late. They have just been wasting my time and now are putting me in a financial burden for THEIR error. Instead of trying to process my application quickly they have been stalling.
Product: Credit reporting, credit repair services, or other personal consumer reports

****SEE ATTACHMENTS THAT SHOWS THAT IT WAS GOING TO BE DELETED REMOVED FROM MY CREDIT REPORT**** Dear XXXX / Executive Office ; I was really shocked last week when I refreshed my credit report and noticed that the collection account from XXXX XXXX is still on my Credit Report which is hindering my score so much and stopping me to achieve my financial goals You are the ONLY one thats reporting this negative account on my credit, despite the fact that the results of investigation through Cfpb stated that they will cease and remove this account. Well, the other credit reporting agency complied and deleted from my credit immediately, however you havent removed it. I talked to a representative at your office last week, and they mentioned that I can FAX over the letter and results from Cfpb and they will remove it. 

Plus, how can you report incomplete, misleading information on my credit report. Its impossible that a collection account can be late and past due. Look at the picture below late 120 days, past due for {$800.00}, etc. This is a violation of my consumer rights under the provisions of FCRA, and Im demanding an immediate deletion from my credit report. DELETE!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXE XXXX To Whom It May Concern, I am writing to respectfully request the removal of a late payment report on my credit file from XXXX XXXX XXXX, which occurred in XX/XX/XXXX. Due to extraordinary and unforeseen circumstances, I was unable to make the payment on time, and I am asking for your understanding and consideration. 

In XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX making it even more difficult to manage my finances. 

In XX/XX/XXXX, I received XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and made financial management incredibly difficult. 

On XX/XX/XXXX, I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was unable to manage my financial obligations or set up an autopay arrangement. This single missed payment occurred while I was unconscious and unable to make arrangements to avoid it. 

Additionally, my condition was further complicated by the ongoing XXXXXXXX XXXX, which the federal government recognized as a national emergency. The XXXX XXXX XXXX ( XXXX ) declaration, which remained in effect until XX/XX/XXXX, provided certain protections and relief measures, but also significantly hindered my ability to meet my financial obligations in a timely manner. 

Please note that since opening my XXXX account, I have consistently paid my full balance on time and never missed a payment. This is the only late payment on my record, and it was solely due to these unprecedented XXXX XXXX. This negative mark has been a barrier for me in securing personal loans as I work to rebuild my financial XXXX XXXX XXXX. 

I have provided documentation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which I will submit once finalized through XXXX. 

Given the above, I kindly request that XXXX XXXX XXXX consider removing this late payment from my credit report as a goodwill adjustment. This gesture would support me immensely as I strive to restore my financial health and continue managing my obligations. 

If you require further documentation of XXXX XXXX XXXX XXXX or the details of my situation, I have uploaded and attached them to this email. 

Thank you very much for your time, understanding, and consideration. I look forward to a favorable response. 

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

Credit Karma is reporting inaccurate information on my credit report. The AGE OF CREDIT HISTORY is not accurate on my credit report and thats a fraudulent act against me. Why are some of my accounts showing a history of 3 YEARS AND SOME MONTHS but CREDIT KARMA is reporting 1 year and 6 months which is not true. If your company is not going to report the truth, why bother to report at all. CREDIT KARMA IS REPORTING FALSE INFORMATION AND MY CREDIT SCORE IS INACCURATE because of it. I am being denied credit by companies because of the current inaccurate information being reported by CREDIT KARMA. I also checked with XXXX XXXX and XXXX. They have all the correct information in their system on the account and dates. So Im left to wonder why would Credit Karma have the information incorrect on propose in their system. This is fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX : XXXX ( XXXX ) XXXX : XXXX TransUnion XXXX XXXX XXXX, PA XXXX Subject : Request for Verification and Validation of Collection under 15 U.S.C. 1692g To whom it may concern : I am writing to formally dispute a collection that appears on my credit report managed by TransUnion. Upon my review, I believe this collection may not meet the validity and verification requirements established under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to the aforementioned law, I formally request that : I am provided with written verification that this debt is valid, including details such as the original amount, the original creditor, and documentation proving my legal responsibility for this debt. 

The debt is validated to ensure that the reported information is complete and accurate. 

If this collection can not be validated, it is immediately removed from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Attached to this letter, you will find a copy of my government-issued identification and a proof of address to facilitate the investigation process. Please inform me in writing of the results of your investigation and any actions taken within the timeframe established by law. 

I hope this matter will be resolved fairly and in compliance with applicable federal laws. I appreciate your attention and look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1692g ( Debt Validation ) This section stipulates that within five days of the initial contact with the consumer, the collector must provide a written notice including : The total amount of the debt.

The name of the original creditor. 

A statement indicating that the consumer has 30 days to dispute the validity of the debt. 

If the consumer disputes the debt, the collector must provide written verification. 

If the debt is not properly validated, it can not be legally reported or collected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not authorize these inquiries
Product: Credit reporting or other personal consumer reports

Multiple disputes still showing after they have been resolved/removed due to fraud and in one instance even paid in full. Have made several disputes dot have them removed/investigated with no luck. One has even come back on my report after being removed due to fraud/identity theft
Product: Debt collection

I receive numerous calls a day, everyday and on weekends. They never leave a message and when I do answer no one will talk. I have tried to call the number back and it quits ringing but there is no one there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX and Equifax about deleting the XXXX Account. XXXX XXXX requested this account to be deleted two years ago, yet it still hasn't been deleted. 

Account # XXXX Original Creditor : XXXX XXXX XXXX Company Sold : XXXX XXXX XXXX Account Type : REVOLVING The XXXX  XXXX Account SHOULD BE DELETED AS WELL. Both were paid satisfactorily and are reporting incorrectly.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I received a statement via email & a notification of a balance of {$59.00}, from payments past due from XXXX, XXXX, and XXXX of XXXX. 
I called the customer service number from their website to gain access to an online account through NCD Financial, to view these statements. The was an incredibly difficult process. 
The payment history from NCD Financial when accessing this online account shows regular payments made from an unrecognized bank account from XXXX. I do not recognize the payments listed. The personal information associated to this profile with NCD shows my correct address and contact information.

I requested to close the NCD Financial account and it still show on my XXXX report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.


15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally request assistance in obtaining all relevant account documentation from Acima Credit. Specifically, I am seeking : - A copy of my leasing agreement, - The payment ledger for my account, - The arbitration agreement included with my contract, and - All communications between Acima and myself regarding the account. 

Despite multiple attempts to obtain this information directly from Acima, I have not received the necessary documents. I believe that this lack of transparency is limiting my ability to understand and address issues related to my account. 

Please assist me in facilitating this request and ensuring that Acima Credit provides the requested documents in a timely manner. 

Thank you for your assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Experian and XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

all three reports have been reporting different dates since the have been reporting on my reports, I asked for proof of accuracy and they can't. Literally when i call they confirm that they can't. I don't understand how I was never billed for these accounts yet they are reporting reporting not only late/closed but also a collection ( can it even be both? ) I went to refinance my house and they told me I had derogatory remarks and was not rejected. At this point I'm not use what to do get justice, this is information is inaccurate and  completely false. You can not report inaccurate information this a violation.if the law can't help me who or what will? Please investigate that this account is reporting 100 accurate i see so many errors which is a FCRA violation XXXX and equifax are reporting the same dates and  XXXX another. I told them about it and they still are violating me by listing misleading information. I can't believe this is my life right now I can lose the roof over my head due to these false accounts. As soon as possible I need these accounts updated by remove all late payments and change the payment status to current because of Cares Act or deleted at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

After requesting and receiving the Credit report that I wanted, I discovered that I could not Log-Out of the webpage ( see attached screenshot ). After calling the credit reporting company 's listed phone number, the representative told me that I should just close the computer window. When I told her of my security concerns with only shutting down the browser window, the representative proceeded to describe that I ( as the consumer ) was the one responsible for clearing out my Personal Password from my browser. This is not acceptable!! 

Therefore, I contacted the CFPB with this particular complaint.