23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Equifax is not communicating I have left numerous messages and contacted them multiple times My credit report my credit score is not showing up online and I am not getting my credit score FICO score from Equifax they are not updating my account information whatsoever I am tired of contacting them I am tired of being on hold I am tired of talking to somebody who's in XXXX. I have got a case numberRe : Important : case number escalation XXXX. Numerous times I'm trying to get my credit report and credit score from Equifax but something is wrong at their end and I'm not able to get access I'm tired of contacting them. The error message keeps saying Equifax has not been able to update your has no credit history for you Equifax has no credit history for you how's this XXXX possible. They are messing up my credit history they're supposed to keep track of all my credit history why is it saying Equifax has not updated my credit history since XXXX
Product: Debt collection

On XX/XX/22 I received a letter from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX demanding that I pay on debt that is based on fraud. I've requested proof of contract, proof of their books and accounting stating proof of lost, equal consideration, and proof of my financial obligation to pay. neither of which was provided. As of XX/XX/XXXX, more letters are being received as threats to potentially reposes my property. Violation 15 USC 1692 ( D ) It is to my knowledge that 15 USC 6802 I was supposed to be given the right to opt out of my Nonpublic personal information being sold to nonaffiliated third parties which was not done and is a violation of {$1000.00}.

15 USC 1602 ( p ) unauthorized used to which I received NO BENEFIT. and 15 USC 1692 ( G ) as collections are still being reported during disputes.
Product: Credit reporting or other personal consumer reports

I was surprised that this account XXXX XXXX XXXX  which is closed/paid is reporting negatively on my report. This account was paid and I was never late. I sent a letter to all credit bureaus but I never received a response from them. According to 15 U.S. Code 1681e ( b ) Everything reporting on the report need to be 100 % accurate. My attachments will show major inconsistencies in the reporting between the three major Credit reporting agencies on XXXX XXXX. Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to update/correct my personal information? XXXX with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX My only social security number is : XXXX My only and correct date of birth is :XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Please remove all the other addresses o? my reports, as they are not deliverable to me by the U.S. post o? ce, and they are not reportable as per the FCRA, since they are inaccurate.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX INCORRECT IN FORMATION PUBLIC INFORMATION INACCURATE REPORT NUMBER XXXX IS IN VIOLATION OF THE CONSUMER REPORT.
Product: Debt collection

Covid hit and I ended up switching jobs, so I could no longer afford my credit card bills. I reached out to XXXX, who offered me a year of hardship program and I took it, then paid down quite a bit. The hardship was only for a year, but I later found out they have a 60 % hardship for 60 month program that I was not offered. I could no longer afford the minimum payment, so I closed the account and they charged me a bit over XXXX dollars in fees and other charges. I have now been served papers by Gurstel Law Firm, out of Minnesota, and they are taking me to court if I do not respond within 20 days. I am a XXXX  and do not make much money as I am in the beginning stages of my career. I offered them a lump sum and the supervisor stated he would not accept it nor offer the settlement to the client the firm is representing.
Product: Credit card

Date : XX/XX/XXXX Amount : {XXXX  Credit card involved : Chase Sapphire Reserve RE : Eclaims Department of Chase Sapphire Reserve Unethical & Unlawful Credit Card Servicing XX/XX/XXXX : Initial filing of flight arrangement claim due to a medical reason and provided necessary supporting documents. 

XX/XX/XXXX : Received multiple emails from Eclaims asking for similar documents even though it was submitted at initial filling. 

XXXX. I proactively follow-up with Eclaims and clarified over and over again in writing and over the phone about my case but no progress made. The response I received was consistently being the back office staff was working on my claim. The very first red flag was detected when they deleted one of my supporting document from their system, and they asked for that again ( that took several weeks ). The second red flag was they had actually received a document but they asked for that again ( I resubmitted the document and waited another week ). After not hearing from them, I called to verify but was told that the copy of the document was blurry for the claim processor to read?? ( but the document was in fact not blurry ). One representative who answered my call later said that she could actually help to print out a clearer version of the document and submit it to the claim processor?! Well, by now, the claim process at Eclaims department was pretty obvious to me, i.e. Eclaims will always find ways to deter or not to reimburse me regardless if my claim is valid. 

XX/XX/XXXX : I confronted them over the phone, and was told that I had actually submitted everything that they needed, they just had to verify it with the airline about the cost that incurred due to the change of flight ( even though the transaction was clearly printed on my credit card statement?! Another red flag! ). They said it would take another 30 days. 

XX/XX/XXXX : Way after the 30 days period, I called, and guess what, of course another new excuse was given as to why they couldn't process my case! But at least this time they said I should get an update from them within 3 days! Throughout the entire process, Eclaims promised me to provide updates on my status via a phone call but they never call!

Anyway, there are enough complains about Eclaims on a lot of online platform like XXXX or XXXX etc. already, I hope the Consumer Financial Protection Bureau can do something to intervene this unethical practice of Eclaims.
Product: Vehicle loan or lease

I had a lease with XXXX  that started in XX/XX/XXXX for 40 months.

In XX/XX/XXXX, we have made a payment through XXXX XXXX XXXX, but apparently it had not gone through.

I am not sure if they have called to remind me of being late, but I always check my voicemails, and they never left me one.

Once I discovered that was late I made a payment right away.

When I realized that the account was reported to the Credit Bureaus as delinquent ( my lease had matured by then and I had told them that I would not be getting another XXXX  ), I called them and tried to straighten it out. They were extremely rude and unsupportive.

I filled a couple of claims with XXXX, but not successful.

I have never been late with XXXX or anybody else ever, my credit score has always been high and this negative inquiry is really affecting me now.

I also feel very disappointed when there is a " he says, she says '' kind of situation, that XXXX   would take the side of the large corporation rather then the consumer!!!

I really appreciate your help on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX ). 
( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Mortgage

After a previous complaint on XX/XX/XXXX regarding the amount of time M & T Mortgage was taking to complete the foreclosure on my FHA-back property, the bank moved very quickly to convey the property back to HUD. I followed up with the FHA Resource Center on the status of the matter, and on XX/XX/XXXX, I received the attached communication confirming the conveyance of the property and that the insurance claim for the house was paid on XX/XX/XXXX. As you can also see, FHA is requesting additional information to support my request for a CAIVRS Suppression, because they are using the XX/XX/XXXX date to start the 3 year wait before I can qualify for another federally-backed mortgage ; not the actual foreclosure sale date of XX/XX/XXXX. 
I immediately contacted M & T Mortgage requesting a disposition of the account to include 1 ) the foreclosure sale date, 2 ) the date the property was conveyed back to HUD, 3 ) the date the insurance claim for the mortgage was paid to them, and 4 ) what, if any is their financial interest in the property or me as of the date of my call in an effort to add that to my request for a CAIVRS suppression. On XX/XX/XXXX, I received to attached communication from M & T saying they could not honor my request, and referred me to the XX/XX/XXXX document, also attached, but clearly no longer relevant in light of the recent actions on the account.
Product: Vehicle loan or lease

I have never missed a payment on this car or any other car or credit card, etc. Ive worked very hard to maintain an XXXX XXXX XXXX and I dont think that I should be penalized for capital ones mistake. The car was paid off on XX/XX/XXXX and was confirmed electronically on XX/XX/XXXX. I had even check in again with the dealership on XX/XX/XXXX to confirm that payment had cleared and they assured me it had. I have provided all the documents and bank transfer paperwork to capital one and still was not offered any type of resolution. With XXXX look at my account anyone can see that I have stellar payment history and I would never let this happen to my credit without some type of error on their part. 
Thank you for taking the time to look into this issue. I know that a lot of companies just look at issues like these as XXXX less customer but I have worked very hard to maintain a high credit score and I feel that capital one shouldnt hold me liable for their mistake.
Product: Debt collection

XXXX XXXX XXXX XXXX is billing for {$770.00}. I called XXXX XXXX XXXX to inquire about the overcharges and was informed that changes had been made to the account. I informed XXXX XXXX XXXX XXXX I did not make any changes to the account ; XXXX XXXX XXXX XXXX locked me out of the account for online access. So, I canceled their insurance on XX/XX/XXXX due to changes made in my auto insurance policy without my consent and knowledge being locked out of online access to see the changes, and excessive fees increased from {$380.00} to {$510.00}. All insurance monthly billings were paid in full except XX/XX/XXXX through XX/XX/XXXX. The representatives were invasive over the phone about the amount of increase as if they wanted me to cancel the policy. 

Please note, that I was out on medical leave from my employer, who happens to be using XXXX XXXX XXXX at the time of my medical leave from XX/XX/XXXX through XX/XX/XXXX however, my insurance policy rates increased excessively. My vehicle was not used for my employment. I drive a municipality truck for the public housing authority where I am employed. 

Please Note : XXXX XXXX has sent fraud billing to Credit Collection Services to report to all three credit bureaus knowing I do not owe them {$770.00}. 

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

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Debt collection

In good faith, I brought this to Bank of America attention by mailing in a billing error dispute on XX/XX/year>. Bank of America response to this complaint stated that the amount reflected on the billing statement is the amount that I owe not the credit balance. I would like to know how do I owe an amount that has already been paid pursuant to federal law 18 U.S.C. 8 all obligations are covered by the United States, this includes all debts. Also if this alleged debt is owed why is it not reflected as a negative balance. A credit balance is a positive amount in excess of { {$1.00} } which the principal amount is clearly showing on this statement. Bank of America billing statement also states " a credit balance ( designated CR ) shown on this statement represents money owed to you. '' No where on this statement do you define an amount due. Bank of America is using the same verbiage to federal law 15 U.S.C. 1666d but is not following what needs to be done with the account which is crediting the amount back to my account and refunding any part of the amount to me each month. I've also noticed that the transactions on my billing statements I am being charged a finance charge but according to 15 U.S.C. 1605 a finance charge is the sum of all charges which is concerning because why is Bank of America not including every single charge on this statement in the finance charge and an even bigger concern is why is Bank of America defining the finance charge as something different. I made several request in my previous complaint which Bank of America failed to comply as well as ignored the other request. I will state again here, I would like to validate this debt and am requesting that Bank of America send me a full audit trail of my COMPLETE file, transactional history NOT bank statements, and accounting ledger that is authenticated by a secured party pursuant to U.C.C 9-102. America n Expresses stated that they can cancel and suspend my spending abilities at there discretion. Bank of America also stated that in their cardmember agreement I agreed to them being able to furnish my personal information to the credit reporting agencies. Both of these actions can result in a fine and up to 20 years of imprisonment pursuant to 18 U.S.C. 894. On, XX/XX/year>, I, XXXX XXXX, on behalf of my principal account XXXX XXXX, endorsed a bill by accepting all rights, titles and interest owed to my principal account and requested that the principal balance be paid on demand to the bearer. Included with a letter of instruction, sent certified mail. It is on record that the letter was received and the receiver was given XXXX ( XXXX ) days to respond and has yet to respond. I, XXXX : XXXX, a natural person and of legal age, am the beneficiary of the principal account. I demand that my request are taken seriously.
Product: Debt collection

I had received a collection letter from Weber & Olcese P.L.C. i did inform them that it was filed this on bankruptcy, but they '' re disputing it because it was on my son bankruptcy discharge, and not mines even thought he was a authorized user as well. so they have been constantly harassing me, to the point that they have filed a law suit against me, stating they they are employee of XXXX XXXX and they have access to all relevant system and document of XXXX XXXX to validate any information that they are authorized by them, and they have personal knowledge of the matter, that stated in the law suit that there was a attached contract, which it was not, they submitted a billing summary and invoices, and invoice is not a bill of sale, nor is it evidence of a sale, it is a mere detail statement of quantity and cost of things invoiced, i told them i was not the responsible party and they continued to harass me about a debt that been clear in bankruptcy ... and even the amount that they are suing for is more then the bill that they attached to the law suit, the bill is for {$1700.00} they are suing for a total of {$1800.00} other charges that was added since the charge off, i would like to knows who trying sue me is it the credit card company, or is it and third party debt collection company, because capital stated that the debt was charge off given to attorney net work, what ever that is, but they are coming after me saying they are the actual company that suing me, and on the law suite it state they they are a debt collection company, please help they are twisting things to there advantage in court, i have submitted all papers to them but they continued to come after me, i have previously filed a complaint but left off some things
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Synchrony Bank is responsible for lowering my credit rating. They are lowering it not through me missing payments but by lowering my credit limit. I have not missed any payments with Synchrony Bank and every month they report paying as agreed to the credit reporting agencies. I applied for a card with Synchrony Bank during a time when my pet needed surgery. Synchrony Bank approved me for a line of credit of {$1600.00}. I did not need the full {$1600.00} and was carrying a balance on the card 50 % of the limit at its highest. Synchrony Bank evaluates the credit of their customers periodically. During my last evaluation Synchrony Bank felt as if my credit worthiness was minimal and my score was low. Synchrony Bank decided that because of this they would lower my credit limit to {$1000.00}. This decrease was 60 %. With me carrying a 50 % to limit balance month to month my debt to limit ratio was raised costing me XXXX points on my XXXX score. There was a point in time when I struggled financially due to other factors and I was late on bills and even filled XXXX. All of those things have been on my report since I applied for a Care Credit Account through Synchrony Bank. Synchrony Bank listed reasons as to why my limit was decreased : Lack Of Real Estate Secured Loan Information This is WRONG. I have a mortgage from XXXX bank that is serviced by XXXX XXXX Services. I opened the mortgage on XX/XX/XXXX and for the last 24 months it is paid as agreed. XXXX does not report my mortgage but XXXX does. 

Too Many Revolving Accounts With High Balance Compared To Credit Limit This is correct but everything is paying as agreed and will be brought to a zero balance by the end of the 1st qtr of this year. If this is the case why would you lower my limit so that my credit file will reflect cards with high balances. 

Too Many Bankcards With High Balance Compared To Credit Limit This is correct but everything is paying as agreed and will be brought to a zero balance by the end of the 1st qtr. of this year Too Few Accounts Paid as Agreed- there has been longer than 24 months since I had an account that was not paid as agreed I am in the process of improving my credit and on track to refinance and make major purchases in the first qtr of XXXX. 

I am attaching documentation of my mortgage, and the part that Synchrony Bank plays in lowering my credit score.

I have 100 % of the time paid as agreed with Synchrony Bank and they should not do anything to destroy me financially.
Product: Debt collection

i called the company and tried to report fraud i told the lady on the phone that i didnt charge anything and that i didnt receive any thing she pretty much called me a lier so at this point i dont have anything else to discuss with them i then checked with the credit bureaus and they filed it on my credit i tried to explain i didnt get or order anything, well i filed a dispute with each credit bureaus and they investigated the claimes and after the investigations they were removed after months XXXX XXXX and XXXX XXXX tried to put it back on my bureaus and they werent allowed to but XXXX did allow them to put it back on and when i was speaking to the woman she told me i disputed it twice in 2021, well here we go again i never disputed it again in 2021, i dont know whos doing this but its not me, i have had my checking accounts hacked where they took all of my money out of my accounts from XXXX XXXX i have been an identity theft victim and every time i turn theres someone saying i applied for something, i the only thing slowed the problem down is to freeze my account, im so tired of this, i have filed identity theft reports over and over i have received notices that my information was hacked twice from XXXX  where they offered me free security orotection for a couple of years how do i know whos doing this.i think they need to be investigated to find out why they allow this to happen to me when they are a part of the problem they were hacked they released my information to others, right now im fighting the post office, usps and XXXX  about fraudulent charges and stolen packages.
Product: Checking or savings account

I received my Chase debit card and I was trying to activate it. When activating it their system asked for my pin number. Because the account was not activated I do not have a pin number. Therefore I could not activate it. 
I called Chase customer service and stated the situation. The customer service transferred me to a system that requires my pin number which was not helpful at all. 
I then tried to activate it online on chase.com, only to be told my card was already activated. 
So my debit card is activated without my permission and have a pin number I do not even know/ did not even set up.