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

Hello, this is a follow-up to the response that Chase sent to me. I was not available to respond to the response to my previous complaint, so I'm doing it here. In short, the representative from Chase who responded to my last complaint here did not understand the issue or misconstrued it. The misleading marketing information was not from a third-party reporting on their interpretation of Chase 's product offering. This was Chase bank 's marketing material that was captured visually from Chase 's website. It was captured and discussed on a blog and the time-frame of Chase 's advertisement/marketing material is similar enough to when I applied for my Saphirre preferred that this advertisement/marketing material is misleading. 

The snapshot of Chase 's marketing content is attached. 

Thank you for your consideration and time -- XXXX
Product: Debt collection

I am writing to express my frustration and annoyance about the disputed accounts on my credit report. I demand that these accounts be removed immediately. I am confused as to how the other bureaus have already removed these accounts from their records, while your bureau has not. The creditors have already agreed to remove these accounts as they also manage to see the error on these accounts. I was the victim of identity theft, and it is not clear why your bureau is not complying with the law. The other bureaus have followed suit, and it is frustrating that your bureau is lagging behind. I demand that you take immediate action and remove these accounts from my credit report. The error has already been found, and I expect that you will follow the same course of action as the other bureaus and remove these accounts from my file. It is inaccurate, erroneous, incomplete, or unverifiable, and it is your legal obligation to remove them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquires I had nothing to do with
Product: Payday loan, title loan, or personal loan

I went to apply for a loan with my bank ( PNC at XXXX XXXX XXXX ) and the man informed me that I should reconsider my application because I disclosed I may not have good credit. He denied to process my application and because of his negligence and unwillingness to help ( not the computer system ) I was evicted from my apartment in XX/XX/2018 and have been struggling to catch up since then. I only requested to apply for a loan of {$1100.00} and he first told me personal loans were from {$2000.00} ( base ) then told me I shouldnt apply for a smaller loan because my credit may not be good enough to qualify.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX! 

XXXX XXXX XXXX has utilized validation documents that violate my XXXX rights. I have complained about this several times and you have done noting about it. I am enclosing the unlawufl document for you to see and thus is is what was provided to me for validation Thus breaking federal law. 

As you can see it contains my doctors names and the services provided but have been x-d out to prevent you from seeing this., both illegal. Only the entity name is allowed and certainly no services! 

This document is unlawful for XXXX XXXX XXXX to have in their possesin, and they see in violation of the law and you are too. 

Please remove these accounts : XXXX XXXX XXXX from collections on my account asap. 
or I will file suit in XXXX  days. 

thank you kindly, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to report various issues with my credit file, including incorrect account listings, an unrecognized collection, unauthorized inquiries, and errors in credit reporting. I seek your assistance in resolving these matters to safeguard my financial health.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed complaint # XXXX. Thus far XXXX still has not corrected the incident and as a result I have continued to be denied for everything that I applied and my limits are now being reduced as a result of this. I was in the XXXX XXXX area and I was declined for the XXXX loan and the XXXX XXXX XXXX  as a result of this. I received a letter stating that they would take care of this issue and it still has not been corrected. Also in the response they sent back to you they mad it seem as this was my fault when all I wanted was for the minimum payment to be taken out of the my account. They made the mistake to pay a set amount. In the response XXXX XXXX XXXX XXXX XXXX XXXX XXXX stated I signed a authorization. I was not even in the state, I called to do this. I feel that this issue is about them having power and not doing the right thing. I would like to be sure that they do not treat anyone else like this and they all must be stopped and should not be able to work at any bank helping people.
Product: Credit card or prepaid card

I am not live in XXXX since XX/XX/2020, and l received an email from Barclays Bank told the XXXX XXXX XXXX XXXX payments is due, but l never received the new Credit Card ending XXXX, someone stole my Card and use it! 
I can't log in my account to see any my information, the username and password being changed by the thief, there have no any others way to reach the Bank, only by phone call which cost lots of my money international call. 
I did call to the bank, tell them what happened, they should protect my right and make things right, that's their fault to let others people using my card without any securely protection ; customer representative ask me fax my XXXX kind ID to office fax number XXXX, they will put my case in the investigation I fax those ID at XXXX, And fax again at XXXX. 
but l still keep reciving many email asking me to pay the payment. 
Please help me get out this bad issue and get my Credit score back. 

Sincerely with my respect XXXX XXXX XXXX XXXX Ps : *The billing address was old ( XXXX XXXX # XXXX XXXX XXXX Ca XXXX XXXX ) l can't log in to my online account to put my new billing address ( XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) * * If need any more information from me, please let me XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I already submitted this complaint. However, the companys response was very unprofessional and completely missed the point of what I said. So, I will resubmit. There is an inaccurate Bankruptcy reported on my credit report. XXXX, who is the provider of information to XXXX  as well as the other two Bureaus, has deleted this item because they deemed it inaccurate. Again, I will add this documentation to this complaint again. Also, third party vendors do not receive information from the Bankruptcy courts. They do not received the full SSN. So, XXXX YOUR THIRD PARTY has deleted it and it is illegal to continue to report something that is inaccurate on my report. My middle name isnt even correct on this Bankruptcy. You claim XXXX verified it but thats impossible since they already sent me the updated file with it completely removed. The results in the response I was sent that you cited in the response all say verified by XXXX. How is that possible if XXXX has deleted this? It isnt. Also, there is a screenshot from XXXX stating that they provide public record information to you.
Product: Student loan

I filed a complaint on XX/XX/2018 ( complaint number XXXX ). The number of qualifying payments were counted and the case was closed. Per review of my complaint, there should be 83 qualifying payments on loans 3 and 4 and 36 qualifying payments on loans 1 and 2.
I just received a " follow up '' call from XXXX  at XXXX XXXX employee ID number XXXX  Today stating my case has been reviewed and they determined that the " system reflects the correct number of payments and no changes are being made ''. I asked her to clarify because XXXX  id XXXX from XXXX XXXX and this complaint already said the number of qualifying payments should be 83 qualifying payments on loans 3 and 4 and 36 qualifying payments on loans 1 and 2.

XXXX  states that on XX/XX/2018, the case was reopened and that the number of qualifying payments on loan 1 and 2 were 36, loan sequence 3 has 49 qualifying payments and Loan sequence 4 has 82 qualifying payments.

I am refilling this complaint since XXXX XXXX   reopened the case and they disagree with the information the prior complaint response states. They are unable to tell me when they will be able to recount payments or give me an update.
Product: Bank account or service

My checking/debit card account is in overdraft and has been rolled over several times now. The XXXX overdraft for XXXX should not have occurred because the funds were put into my account @ XXXX on Fri., XX/XX/XXXX which covered it. The overdraft of {$13.00} occurred on the evening of the XX/XX/XXXX after banking hours @ our branch. The overdrafts continued to mount to {$130.00} by XX/XX/XXXX. After XXXX or XXXX heated conversations with the branch bank manager she took {$15.00} off for extended od fee reversal and {$19.00} off for extended overdraft on XX/XX/XXXX. This left overdraft expenses at {$100.00}. Their online customer service representative said they could do nothing more to correct the problem. However this account should never have gone into overdraft in the XXXX place. The tellers at the bank have told me that if an account is in overdraft during the week, the customer is giving until Friday of that week to correct the credit. But if not taken care of before Friday, a {$15.00} charge is attached. If not taken care of by the Monday of the following week a {$34.00} charge is attached. XXXX more {$34.00} is allowed and that is all. This was my understanding of the overdraft circumstances with Chase but it has not be the case with this situation or in other situations with Chase. My account started in XX/XX/XXXX so my history with them is not long in nature as accounts go. So going over all my statements and history should not be a problem. Also they stated that anything under {$5.00} is not given an overdraft but I believe there were charges on less than {$5.00} as well which I was unable to have removed. The result I expect from this is that my account be restored without overdrafts at all ; with a balance of {$22.00} in it instead of a negative amount of - {$100.00}.
Product: Mortgage

I requested that my bank remove my PMI. They instructed me to pay for an appraisal, which I did. The appraisal was submitted with a range of values for my house : XXXX $ XXXX . Suntrust bank chose the lowest value in that range and misrepresented that value labeling it as the " 90-120 day '' value even though I spoke with the appraiser who confirmed the 90-120 value he submitted was XXXX . I believe it is wrong, and perhaps a violation of the Homeowner 's Protection Act, to allow a bank, whose interest is in collecting PMI for as long as possible, to select a value when given a range that benefits them and may not actually represent the true value of a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : FACTUAL DATA Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXL Inquired XXXX XX/XX/XXXX THE XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2021
Product: Debt collection

My name is XXXX XXXX XXXX am a victim of identity theft the information listed in this email which appears on my credit report does not relate to any account that I have made or open it is the result of identity theft Please block this information from my credit report pursuant to section 605B of the fair credit reporting act and send the required notification to all furnishers of this information enclosing this email or screenshots of the fraudulent accounts a copy of my credit report I received the fraudulent items are as I said in the screenshots attached to this email a copy of my identity theft report and proof of my identity a copy of section 605B of the fair credit reporting act which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days Also attached to this email you will find a copy of my complaint with the cattle retreat commission you will find another complaint to Fbi IC3 crimes unit you would also find an affidavit from the IRS for identity theft you would also find a report from XXXX XXXX XXXX Police Department and you will also find a copy of my lease and you would also find a copy of I am doctors restrictions As you can see from the attachment in this email my Social Security number trays that I searched on XX/XX/XXXX it appears as someone is using my Social Security number located at XXXX XXXX XXXX, XXXX, CA XXXX and the aliens that they are using is XXXX XXXX Furthermore the information that XXXX has put on my credit report was removed in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX it is unfortunate that XXXX  has chosen to violate my rights and discriminate against me by expressing depraved deceptive and misleading business practices My hope is that we can resolve this issue quickly this XXXX of my identity has been going on for far too long years and if XXXX  is still not going to follow the laws and rules of the current consumer protection act then I will file my complaint with the United States XXXX  department for discrimination with people XXXX as well as well consumer protection agency Im not sure why TransUnion has chosen to re-open claims that or fraudulent accounts they were open on my XXXX XXXX report after I had already disputed it and it was removed XXXX re-opened it for whatever reason it was wrong and it was bad business practice furthermore at the time in XXXX XXXX I was homeless and in and out of hospitals four weeks and months at a time I have also the hold a complaint with Nevada state attorney generals office in XX/XX/XXXX and I also have a pending complaint of assault with the XXXX XXXX XXXX Police Department dated XX/XX/XXXX as well
Product: Credit card

Timely payments have always been my priority on this account, preventing any occurrences of overdue payments. I am uncertain as to why there are reports of late payment remarks on my accounts. As outlined in 15 USC 1666b - Billing Error, any errors should be rectified.
Product: Credit reporting or other personal consumer reports

Subject : Final Demand to Remove Fraudulent Accounts Listed in FTC Report To Whom It May Concern : I am writing this letter to express my utter frustration and anger at your blatant disregard for the law and my rights as a consumer. Over one month ago, I submitted an FTC Identity Theft Report to your offices, along with all supporting documentation, demanding the immediate removal of fraudulent and inaccurate accounts from my credit report. To date, you have failed to act. 
This inaction is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, which requires credit reporting agencies to block fraudulent information upon receipt of an FTC Identity Theft Report. Additionally, under FCRA 1681e ( b ), you are legally obligated to ensure the accuracy of the information you report. By continuing to report these fraudulent accounts, you are willfully disregarding your legal obligations and causing significant harm to me and my family. 
The data on my consumer report is a direct result of identity theft. I did not authorize the inclusion of any identification transactions on my report. I kindly request that this information be promptly blocked and deleted within four days. This request is not made in error nor based on any misrepresentation of facts regarding the transactions as the consumer. 
Your failure to act has placed an undue burden on my life and my familys well-being. These fraudulent accounts have caused me undue stress, denied us financial opportunities, and impacted our ability to secure basic necessities. This is unacceptable. 
My Demands : XXXX. Immediate Removal : You must remove all fraudulent accounts listed in my FTC report from my credit file within four ( 4 ) days of receiving this letter. 
XXXX. Written Confirmation : Provide written confirmation of these removals. 
Failure to comply with these demands will leave me no choice but to escalate this matter further. This will include : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seeking legal action to enforce my rights under the FCRA, at which point you will be liable for statutory damages of {$1000.00} per violation, as well as punitive damages, attorney fees, and any additional costs. 
Your failure to address this matter promptly reflects a complete disregard for the very laws that govern your industry. I demand immediate action to rectify this situation. 
Sincerely, XXXX XXXX Fraudulent Accounts : XXXX XXXX with account number : XXXX XXXX  with account number : XXXX XXXX XXXX XXXX with account number : XXXXXXXX XXXX XXXX XXXX with account number : XXXX XXXX with account number : XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN XXXX Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Dear Consumer Financial Protection Bureau, I am writing to request your assistance in addressing a matter concerning my auto loan with Capital One. I have maintained this loan in good standing for over a year, consistently making on-time payments. Despite my excellent payment history and my preference to avoid refinancing, I am finding the current interest rate financially burdensome and would like to request a rate adjustment based on customer loyalty and my demonstrated reliability. 

Over the past year, I have shown a commitment to meeting my financial obligations, and I believe this record reflects my creditworthiness. As a long-term customer, I value the services provided by Capital One and would like to continue this relationship under terms that better align with my financial goals. A lower interest rate would not only help me manage my finances more effectively but also reinforce my trust in Capital One 's commitment to supporting its customers. 

I am seeking your intervention to help mediate this request. Your support in facilitating this discussion would be greatly appreciated. 

Please find attached relevant documentation, including my loan account information and payment history, to support my request. 

Thank you for your attention to this matter. I look forward to your guidance and assistance. 

Sincerely, XXXX XXXX
Product: Mortgage

I received a letter dated XXXX on XXXX from Shellpoint Mortgage Servicing explaining my mortgage has been sold to XXXX XXXX XXXX. The letter said, I had to mail them a check by XXXX. 

Attempts to contact both companies requires I provide personal information to receive customer service. It is not possible to talk to a human although their website says otherwise. Call XXXX to make a one-time payment or set up recurring payments. 


PHONE ( LIVE PERSON ) Call XXXX to make a XXXX-time payment or set up recurring payments with XXXX of our customer service representatives. 

This feels like a scam.