23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In XX/XX/2023 I received a promotional flyer in the mail from Chase Bank which stated if I deposit XXXX into a savings account and leave the funds in the acct for 90days I would receive XXXX which I received, the same mailer stated that if I set up direct deposit and have a direct deposit into checking within 90 days of enrollment I would receive an additional XXXX dollars of which I still as of XXXX XXXX  havent received, finally the mailer stated that if I successfully completed both offers id get an additional XXXX which as of today XX/XX/XXXX havent received. I called XX/XX/XXXX and inquired at which time a tockets was reportedly placed on my behalf with the back office to research, and I was then told that it was a system issue and id receive the missing XXXX dollars within 15days I waited and then gave a few additional days with still no payments, Ive called twice in the past week and half with no further info provided, tonight I called and they opened up a follow up as we are almost 30 days past the initial inquiry and chase has not upheld their solicited offer to me which I consider a legal agreement.. at this point they need to pay me interest on the missing funds
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2018, is the first time Im contacting the company with a dispute. This is the second background check that Ive done where someone elses name has come up on my report. I do not want my future to be affected by this person that is not me, nor has ever been me. I do not have an alias.
Product: Debt collection

5 year old account balance went from {$1500.00} to over {$2000.00}. Then {$2200.00} to {$2300.00} last week. 
Collecting is inflating the amount owe on a old account.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit card

On XX/XX/year>, my Care Credit Card suddenly charged me with a {$1700.00} " deferred '' interest charge. I have never signed up for a deferred interest payment and was never made aware of this program at any time. I contacted the company through their online customer service chat option and spoke with XXXX asking him why was I charged such a massive interest rate and that I never signed up or was made aware of this deferred interest rate program. I told him I thought their business ethics were unethical and quite likely illegal. I requested that they reverse the interest charges to which he declined. I then asked him to show me some form of proof that I was given information or made aware of the deferred interest program for which he said, we do not have proof. I told him that until they can show me proof that I believe that they are trying to cheat me, a reliable customer of ten years who has never made any late payments and has consistently paid on time and always above the minimum payment. We went back and forth and I kept demanding proof that I knew about the deferred interest and to show me where I signed for it. And then he promptly shut me down and closed the conversation.
Product: Credit card or prepaid card

On all XXXX XXXX flights, the flight attendants advertise that the AA Advantage Aviator Credit card will get you XXXX bonus miles with a single purchase such as a candy bar. They also state the XXXX bonus miles can get you a round trip ticket to anywhere in the United States. I applied for and got the credit card and the incentive. The misleading and false advertising part is XXXX bonus miles cant get you a round trip ticket to anywhere in the United States. It doesnt get you very far at all. Furthermore, XXXX XXXX does not let you combine points and money to pay for tickets. Its either you pay for the entire ticket with points or on credit. This is complete nonsense and every single flight attendant on every single XXXX XXXX flight is telling their customers that they can get a round trip ticket to anywhere in the XXXX if they apply for their credit card.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX - Opened on XX/XX/XXXX Account Name : XXXX  # XXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Opened on XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Opened on XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Opened on XX/XX/XXXX UNAUTHORIZED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Discover has falsely reported the available credit to the credit reporting agencies for months and not updating when balances have been significantly reduced. I have attempted to have Discover resolve this and there has been no update they claim they have made. This affects both my wifes and my ability to apply for credit and show could credit growth.
Product: Debt collection

My information was in a data breach with the credit agency XXXX and XXXX and XXXX other company, and my credit is suffering
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX on XX/XX/19 pulled credit without my permission in which I did not give them. When calling XXXX they say they did not run hard credit but it shows on my credit reports. I want to see the document to where I agreed to run credit by XXXX XXXX XXXX.I don't want no excuse from XXXX  or XXXX the blame game. I want proof or removed from my credit file on Regular Inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus have been sent multiple requests for a proper investigation of this account listing. Each time, the credit bureaus took more than thirty days to complete the investigation... only to continue reporting erroneous information. The last letter was sent XX/XX/2022. A proper investigation has not been conducted due to multiple errors. The opened date is inaccurate, the credit amount is inaccurate, the date last reported is inaccurate, the date of last activity is inaccurate, as well as, the date of last payment. 

Inaccuracy # 1 - " Date Opened '' Inaccuracy # 2 - " High Credit '' Amount Inaccuracy # 3 - " Last Reported '' Inaccuracy # 4 - " Date Last Active '' Inaccuracy # 5 - " Date of Last Payment '' Inaccuracy # 6 - " Two-Year Payment History '' reflected conflicting information. 

Along with the fact that this account has been reporting a charge-off account for many years. Seeking further action is illegal, as XXXX XXXX XXXX has written this debt off. 26 CFR Subsection1.166-3 ( a ) ( 3 ) ( i ) Deemed charge-off. If a significant modification of a debt instrument ( within the meaning of 1.1001-3 ) during a taxable year results in the recognition of gain by a taxpayer under 1.1001-1 ( a ), and if the requirements of paragraph ( a ) ( 3 ) ( ii ) of this section are met, there is a deemed charge-off of the debt during that taxable year in the amount specified in paragraph ( a ) ( 3 ) ( iii ).

( a ) ( 3 ) ( iii ) of this section. The amount of the deemed charge-off, if any, is the amount by which the tax basis of the debt exceeds the greater of the fair market value of the debt or the amount of the debt recorded on the taxpayer 's books and records reduced as appropriate for a specific allowance for loan losses. The amount of the deemed charge-off, however, may not exceed the amount of recognized gain described in paragraph ( a ) ( XXXX ) ( i ) of this section. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, has violated my rights.

15 USC 1681 section 602 A - states I have the right to privacy.

15 USC 1681 section 604 A section 2 - states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and repair these right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries are the results of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

In XX/XX/XXXX, I was notified via email by the U.S Department of Education that XXXX will no longer be my loan servicer and instead Aidvantage will be my loan servicer. 

According to XXXX, in early XXXX, " 39 state Attorneys General announced today that XXXX, known as one of the nations largest student loan servicers, will provide relief totaling {$1.00} XXXX to resolve allegations of widespread unfair and deceptive student loan servicing practices and abuses in originating predatory student loans. '' On XX/XX/XXXX, I reached to Aidvantage and StudentAid.gov informing them of the lawsuit and request a status. I was told by one of Aidvantage 's customer service reps that no action would be required on me end. I hadn't heard from Aidvantage for about a year, so I followed up in XX/XX/XXXX with Aidvantage. 

On XX/XX/XXXX, I received notice that Aidvantage took my loans out of deferment and placed them in forbearance, which resulted in an increse of the loan balance due to interest fees. 

I then emailed Aidvanatge and Student Aid in XXXX and XXXX, regarding the change and was emailed a bill today ( XX/XX/XXXX ) for {$1300.00} which is due on XX/XX/XXXX. I then called Aidvantage and had three unsuccessful attempts to be transferred to a representative. 

No one has reached out to me to explain the status of the lawsuit or to offer the best options for handling this loan. Instead Aidvanatage continued to make my financial situation worse by placing the loans in forbearance and billing me {$1300.00} without investigating my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not understand how my XXXX XXXX can drop from XXXX to XXXX on TransUnion and from XXXX to XXXX on XXXX and XXXX knows what on XXXX ( because I can't find a historical graph on their website ). I have less debt than now, only XXXX active accounts and I continue to pay the total debt down each month. The debt was much higher and I had more accounts with my score was higher. This makes absolutely no sense. I believe their algorithms need to be reexamined or human intervention needs to be applied. 

We're at the mercy of these credit report companies when it comes to these scores- it can affect our lively hood because employers consider it and it can also affect the purchase of a home. We have to pay for these XXXX scores, yet their calculations make absolutely no sense. I am trying my damndest to get this debt paid off yet my scores give no reflection of this. 

I feel this is just another scam on the middle class consumer. We're the little man with no power.
Product: Mortgage

On XX/XX/2022 I called Caliber home loans regarding my escrow account. I spoke with a representative that told me that I would need to pay {$7700.00}, and then I could have my escrow account removed. She showed me where to get the form and explained to me once I reach 78 % and request to remove escrow it will be granted. 

I called and spoke with a representative today and was told that this was rejected. There was no real explanation other than to check my disclosure. I have checked my disclosure which I have attached along with the escrow removal form. 

Attached you will be able to review the disclosure, the escrow removal form, and see the check that I sent for the payment on a downloaded XXXX for the month of XXXX from my account.. 


Again, I just want to be treated fairly.
Product: Credit card

Dear CFPB, I am writing to bring to your attention violations of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, regarding the handling of my personal credit information. The following accounts have infringed upon my rights to privacy and confidentiality : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

The account is still showing In collections with the Credit Bureaus and both are telling me that the account has to stay for years from the date it was paid off I thought when the account is payed off everything is bought up current or Payed as agreed and none of this is reporting only my XXXX is updated to current Closed, and I would like for XXXX, and XXXX to report the same. It's hindering me from getting credit for other company 's and keeping my score down. Please if you can help me resolve this thank you.
Product: Credit card

Made payments to kohl 's credit card through my Bank under XXXX. Kohl 's keeps calling me and emails me that I owe for charges on line/in store purchases. The payments were made but they have yet to give me credit for my bill paid in full. My Bank has faxed the info needed by kohl 's but I have yet to hear anything from them other than they ask when I am going to make a payment. They have now charged me late fees and interest on payments I have already paid
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX Balance XXXX {$180.00}, XXXX XXXX Balance : {$170.00}, XXXX XXXX XXXX XXXX Balance : {$860.00}, XXXX XXXX XXXX XXXX : {$36.00}, XXXX XXXX XXXX : {$3400.00}, XXXX/XXXX  XXXX Balance : {$2500.00}, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX Original creditor XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Original creditorXXXX XXXXXXXX Balance : {$870.00}, XXXX XXXX  Inquired on XXXX XXXX, XXXX/XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXXInquired on XX/XX/XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired onMay XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

15 U.S. Code 1692j Request : Entire credit file activity from credit bureau verification of identity, contract w/signatures, state identification of signor, original contract, payment receipts, certified mail notices, initial dealership documents and signatures after credit bureau approval to loan. Send me the entire approved credit file from the 3 main credit bureaus, all financial records including signer down payment, repo request ; vehicle tax, title, license receipt ; addresses, resale of vehicle and deposition documents. Date of loan was XX/XX/2017. On previous compliant you did not request verifiable information including : ssn, name, other. Instead you closed the account. This too leads me to believe your evading my requests. " 2nd Notice. '' XXXX XXXX AND XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021 PNC Bank took over my credit card account from BBVA. Once PNC took over the credit card account I never received any paper statements and my credit card account was never added to my online banking. I have repeatedly called PNC to inform them I was not receiving any monthly paper statements and my credit card account had never been added to my online banking. I am basically in the dark as to what charges are being put on my account. I have called PNC every month at least once about these issues. To date my requests have been ignored by PNC Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Late Close XXXX XXXX XXXX  XXXX {$0.00} Charge Off XXXX XXXX {$0.00} XXXX XXXX XXXX {$2000.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX I, XXXX XXXX {$1400.00} XXXX  XXXX {$520.00} XXXX  XXXX {$4800.00}
Product: Credit card

On XX/XX/XXXX, I received a text from the store XXXX inviting me to complete my credit card application. 
As I had not applied for a credit card with them, I proceeded to check with XXXX and saw that I had a hard inquiry on my report from XXXX with Comenity Bank. 
I also received an email on XX/XX/XXXX asking me how my store experience was and that is how I saw that the store was located in Arizona however I live in Florida and was not in Arizona on that date. From the survey email I received it seems the store this occurred at is : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, XXXX I then called Commenity Bank and they confirmed that a charge of {$450.00} had been placed on this new credit card that I did not open. I have disputed this transaction with them. 
I also contacted XXXX to remove the hard inquiry and place an alert on my file to prevent any additional fraudulent activities. 
Later on XX/XX/XXXX, I received an email from my Sephora credit card account stating that my payment was due. I did not have any recollection of using this card recently ( I did have a Sephora account previously opened, but the card was not being used ). I logged in and realized that on XX/XX/XXXX, someone also used my existing Sephora credit card to purchase {$870.00} worth of merchandise in a store in Arizona as well. I did not make this transaction and was in Florida at that time. My Sephora card is also operated by Commenity Bank. From what I can see on my Sephora account it seems that this transaction occurred at this address : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX Since I was traveling for the holidays internationally, I could not call the bank to dispute the transaction until XX/XX/XXXX but the dispute for this transaction was submitted on that day. To my knowledge, there has not been any additional fraudulent transaction. 

I reported both charges as fraudulent to Comenity bank and disputed the XXXX charge and the Sephora charge. 

I have just learn through my dispute with XXXX to remove it from my credit report that my sephora dispute was denied by the bank and I was not provided any information as to why even though the charge was made in a different state that I live in and I can prove from other charges on my various card and most likely different means that I was never in Arizona at that time and I live in florida. 

I am submitting this complaint specifically regarding the XXXX card purchase as I submitted a separate complaint for the XXXX charge since the XXXX credit card was an account opened without my consent or knowledge however the Sephora card was an account I had already opened a few years ago but the charge made on it however is fraudulent, therefore i am submitting a complaint for the Sephora dispute separately.

Please help me to reach out to Comenity Bank and get them to remove this charge as it is not mine and I never made this Sephora purchase in Arizona. 

Thank you.
Product: Debt collection

Discover card is put on my credit that I owe them {$300.00} when the credit card was a secured credit card the {$300.00} I paid to begin with what is offset the XXXX Anythink plus the interest to what I owe them you can't put interest on a credit file