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

I signed up and received my Chase & XXXX Rapid Rewards credit card at the end of XX/XX/2018. In order to earn the XXXX miles offered in the advertisement I had to spend {$1000.00} in the first 3 months of having the card. I completed that task without any issue. In XX/XX/XXXX, I sent a payment that I thought would pay off the balance of the card ( approximately {$430.00} ). That payment did not process. The reason for that payment failing to process is unknown. I pay my bills the same way every month, and never have any difficulty with a payment not going through. I believe that the Chase 's website failed to properly process a payment that was made correctly on my end. That did not occur and the ~ {$430.00} remained on my account. 

For the next three months, Chase did not send me a single notification of any kind that the bill was past due. They claim to have sent paper statements. I never received those statements. They did not send an email notifying my of a past due payment, despite sending me several other emails in an attempt to get further business from me. They sent multiple text messages with the same purpose, but never a single one notifying me of a past due payment. 

Instead of contacting me with information on that past due payment, Chase notified the credit bureau, and I took a 70 point deduction on my credit score. Furthermore, Chase claimed that I was not offered XXXX points for {$1000.00}, and has since refused, on multiple occasions to grant those miles, despite a clear bait-and-switch. They claim to have offered me something different, but that is not what was advertised on the paperwork that accompanied my card. 

Today, I was notified that, due to a 'recent change ' in my credit score, XXXX XXXX would be lowering my credit limit by {$4000.00}. 

So now, instead of my credit utilization being under 20 %, it will be near 50 % on the next credit report, sinking my score even lower.

I am pleading that someone stop this madness. It was a {$400.00} bill that Chase repeatedly failed to notify me about, was paid off the day I saw my credit score drop, and its impact is still growing as credit card companies and bureaus asses my risk as HIGH, despite what was previously a credit score well above 700. I have worked my entire life to establish myself financially, and I feel that it is being taken away unjustly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED A RECENT REPORT OF MY CREDIT AND FOUND SOME INNACURATE ACCOUNTS AND A FEW ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT.WITHOUT MY KNOWLEDGE. THESE DEROGATORY ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND THEY ARE CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. IT HAS BECOME VERY STRESSFUL TO ME BECAUSE I SHOULD NOT HAVE TO GO THROUGH THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.
Product: Checking or savings account

Citibank was offering a higher interest rate. So I took funds out of XXXX account and a cit. account. Transford 3 different amounts XXXX for XXXX XXXX for XXXX XXXX XXXX. Citibank lowered there interest rate. My problem is after having contact with many customer service people, it was so bad that I was concered that I got my self into a scam. I have a police report showing that I am truthful regarding that I. Looked up Citibank reviews and I am not alone on my feelings regarding this bank. This is a one month old account. I was so concered that I tried to transfer money out of the Citybank account back to XXXX. I called and they said you can only due XXXX a day and not over XXXX a month Every amount I put in was over there transfer daily amount which is now XXXX a day. I called back an talked to another customer service person if there was another way just cancel this account. and transfer my money back to XXXX He explained how to get on Citibanks site to do a wire transfer. I paid for my transfer on XX/XX/XXXX my transfer was for XXXX The next 3 days turned into a living XXXX. After many calls and hang ups I was told that they blocked my account I have no access to my money and no access to the computer site. After 3 days worth of calls and hang ups. I went to XXXX bank to ask if they could help in any way, they suggested that I file a police report. After more calls and hang ups I did go to the XXXX Police Department XXXX XXXX XXXX XXXX Ohio XXXX phone XXXX Fax XXXX I talked to Officer XXXX XXXX report num. XXXX. He and I were on the phone with Citibank for 2 hours calls and hang ups. Officer XXXX started getting concerned about this being a scam followed me back to my apartment because he wanted to see the Debit card and my paper work. More calls and hang ups. Towards the end of this call they told Officer XXXX that my transfer would go through in a few days. After all this I called about my wire transfer again on Sunday the XXXX because I was still very concerned. Talked to another customer service person that proceeded to ask me question after question which I was able to answer. They canceled my transfer. ; He put me on hold and when he came back he said I got one of the questions wrong so my account is still closed would not let me ask him any more about my account and he hung up. This may not even matter I am a senior on social security and small pension. This week I have not slept and I feel shaken inside. This is all all the savings I have.
Product: Debt collection

In 2017, XXXX leaked the personal data of over XXXX XXXX Americans including mine, as a result of this data being leaked, I am a victim of identity theft, the compromised information leaked such as my name, social, date of birth, drivers ' licenses number, and other personal information that should have been kept secure were used to open several accounts in my name without my permission. Your organization is currently reporting accounts that are a direct result of the XXXX Security Breach, which makes your company just as responsible for damaging my credit and mental health. Your organization has failed to provide me proper legal documentation as stated in the Fair Credit Reporting Act which I have requested on, this is my second attempt for removal. The information you should have provided me should have included the following : An explanation of what each alleged account balance is for, A calculation of this balance, including the complete payment history for each account, Documentation for each account showing proof that I agreed to pay this debt, An Agreement for each account that grants the company the authority to collect debt, An updated copy of the state license for each company, including the license number. 



I would like to also mention I have kept all legal documentation such as verification of previous letters I have sent you, proof that the following accounts do not belong to me, proof that XXXX breached my data, as well as doctor letter from my doctor stating that this situation has caused me a great deal of stress. 



Your company is currently reporting fraudulent accounts to my credit file, remove these accounts from my credit file. 

XXXX XXXX {$57.00} AD XXXX XXXX {$580.00} XXXX XXXX {$100.00} XXXX XXXX {$59.00} XXXX XXXX {$140.00} XXXX XXXX {$85.00} XXXX XXXX {$100.00} XXXX XXXX {$130.00} XXXX XXXX XXXX {$910.00} Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. Please contact Transunion, XXXX, and XXXX and have them to remove these incorrect accounts from my credit report.
Product: Credit card or prepaid card

I was declined by a Chase Credit card on XX/XX/XXXX after calling the credit card to ensure that I would not be denied due to a prior bankruptcy. The agent told me although it would be considered, it would not be the only factor considered. After being denied, I called Chase and spoke with 4 different agents : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Each agent gave me a different answer with two saying that I was declined due to having very little credit history on my credit report. I pulled my credit report and found that XXXX  XXXX was reporting inaccurate information including : No payment ( I pay the entire amount every month and have since I received the card in XX/XX/XXXX ) ; no usage ( I have used the card every month since XX/XX/XXXX ), no balance ( I always have a balance which is paid off each month ) ; {$0.00} credit limit ( my credit limit is {$12000.00} ) ; no monthly payments ( as previously referenced, I pay my balance in full each month ) ; no highest balance ( my high balance is around {$10000.00} ) ; and under comments " Account in dispute-reported by subscriber ''. My account is in good standing and I filed a complaint with the credit bureau and it was subsequently corrected. However, despite the fact they found the recording of the agent telling me I should apply and would not be denied due to the bankruptcy XXXX  7 years ago and that another agent said I was denied due to no credit history, which was reported incorrectly by my credit card, XXXX XXXX, and is now corrected, they will not extend credit, even a prepaid card. Additionally, I explained that the bankruptcy was caused by my now ex-husband 's investment in real estate and the fall of real estate values in XXXX. Personally, all of my bills are paid and I have no debt. I believe they are unfairly discriminating against me because I am an XXXX XXXX over 50 years old, rather than looking at my financial situation and my demonstrated payment of all my debts after I divorced my ex-husband who still does not pay his bills.
Product: Debt collection

I received a lawsuit from Midland stating that I owe them a debt from the original creditor XXXX Bank. The lawsuit included the bill of sale, an affidavit from Midlands legal team, a document from XXXX stating they the documents were accurate. They also included two billing statements absent the transaction history page for me to verify the correct balance owed. I responded to the lawsuit compelling arbitration and to dismiss. Attorneys for Midland then responds stating that arbitration is not mandatory and a suggestion basically. Not only do I not agree with the balance, Im unsure how one part of the contract be binding and another be a suggestion. Midlands attorney then told me that it was my responsibility to initiate arbitration. Ive disputed this balance with XXXX, Midland and the major credit bureaus.
Product: Debt collection

I was notified by XXXX XXXXXXXX XXXX  of a debt owed. I mailed out a debt validation letter seeking I owed such debt to this collection agency. XXXX XXXX XXXX responded with account summaries and a letter from said original creditor JCPENNY. I also sent dispute notice to all three credit bureaus and only XXXX has responded to my dispute in which they said it has been verified. The information sent to me has not been enough to validate this as my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit XXXX XXXX XXXX XXXX XXXX XXXX XXXX to file a report Per FCRA section XXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here are the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business XXXX after the date of receipt.
Product: Payday loan, title loan, or personal loan

well i didnt realize after making payments to the loan it seems even making payments the finance charges are high almost like 300 $ after 2 weeks its frustrating
Product: Credit reporting, credit repair services, or other personal consumer reports

I want a reinvestigation into one of my disputes with the account XXXX XXXX. This item should not be on my credit report and would like another investigation to get it removed please.
Product: Debt collection

The company, " Professional Account Services '', XXXX XXXX, contact my employer, XXXX 'XXXX XXXX XXXX on XX/XX/2020. 

He made the company owner, XXXX XXXX, aware of my debt. He further sent information showing that I owed {$260.00} to my place of employment. XXXX called numerous times after I asked him to not contact me at my place of employment. He spoke with my husband, threatened him, and told him that he was " sick of his XXXX attitude ''. 

XXXX is a known criminal with a rap sheet a mile long. He has no business trying to collect debt, and has financial problems of his own. You will find multiple complaints about this company, and something needs done.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting Services
Product: Vehicle loan or lease

I called several times XXXX, XXXX to Toyota XXXX XXXX to request the cancellation of extra fees on my loan : A service contract of XXXX dollars and a maintenance fee XXXX dollars and They told can I couldnt cancel them, I communicated again today XX/XX/XXXX to make a new request and they told me that both warranties were expired XX/XX/XXXX and I couldnt request refund, this opportunity I spoke with XXXX XXXX
Product: Credit card

I am writing to bring to your attention a concerning matter regarding the abrupt closure of my Discover account, which I have held for over 11 years without any late payments or issues. 

In XXXX, there were minor identification verification issues, particularly regarding my phone number, in connection with the credit card account ending in XXXX. These issues were promptly and fully resolved within that month. However, to my surprise, my Discover account was closed by the bank recently without any advance notice. 

Discover refused to disclose the reason why my account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is continuing to report a past due amount on my credit report when this account shows as having been sold to a collection agency. I have challenged this previously and has come back verified both with Experian and XXXX. How can this have been investigated and yet still showing a past due amount when the account was purportedly sold to a collection company/agency
Product: Credit card

I have had a XXXX credit card with First Bankcard ( ACCT # XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ) which was used by my small business, XXXX XXXX XXXX. An employee had access to this card and once they had left the company, I had called First Bankcard and asked them to suspend it to prevent unauthorized use or fraud. I was told that I could have another card reissued and provide access to the new employee once I the hiring process was complete. The problem is that First BankCard disqualified me from accessing the XXXX reward points I had painstakingly accrued over the past few years. According to them, all of their obligations regarding the reward points have been eliminated because of my attempt to prevent fraud.
Product: Credit card or prepaid card

On XX/XX/XXXX Bank of America sent me an unsolicited credit card with a credit limit of {$5000.00}, based on my credit score of XXXX.I also received a letter dated XX/XX/XXXX stating I was approved. I accepted the credit offer, and on XX/XX/XXXX, I made a purchase to my card for {$4400.00}. The following month XX/XX/XXXX I attempted to make an additional charge for {$500.00} and was declined because the bank said my account was closed. 
Meanwhile, I called Bank of America because I was unable to initiate on-line sign-in so I could make payments on line. A representative named XXXX helped me sign in, gave me some valuable information on how to take advantage of cash rewards, points at the pump, XXXX XXXX XXXX, etc. Subsequently, Bank of America sent me a letter stating they did a review of my account and decided to close the account ; The letter was back-dated to XX/XX/XXXX, but I received the letter after XX/XX/XXXX. I was placed on E-statements without my approval, and when I finally received a paper statement in the mail, the statement said my account was placed on restriction. I called Bank of America several times for explanation, and every representative I spoke with said my account was reported as a " FRAUD ''. Bank of America never tried to contact me to investigate the nature of my credit ; they never told me about a restriction, and I never authorized them to check my credit files, after I received the approval letter. Bank of America will not allow me to make charges to my card because they closed the account based on incorrect information that my account is " FRAUD ''. I made all monthly payments on time, and the account has a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt collector fraudulently used my personal information to attempt to collect a debt that is reporting inaccurate on my credit report. I believe the law according the FCRA 15 USC1692K applies in this situation 1. XXXX XXXX XXXX XXXX
Product: Credit card

I received information from U.S. Bank stating that I have an opened credit card with them. The card has XXXX balance. I reached out to U.S. Bank and ask them to cloe the account becuase I recall having opened the account. They refused to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I requested my anual credit report and I think it's wrong! Im aware that I have a right to have an investigation done. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. 
Please provide me with the following items : * Pay off disclosure * Interest Rate Disclosure * Balance History * Payment History * XXXX XXXX 1.Validate Accounts Account Name : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Balance : {$6000.00} Account Name : XXXXXXXX XXXX XXXX XXXX. 
Account Number : XXXX Date Opened : XX/XX/XXXX Account Balance : {$4400.00} Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 encourage you guys to provide some kind of proof of these alleged items, specifically the contract, note, or other instrument bearing my signature. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

I also find out that under federal law. you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and correct information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.