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

On XX/XX/XXXX I received an email solicitation from Chase regarding a promotion it was offering through XX/XX/XXXX. I have been a Chase credit card holder for more than a decade, and previously had a Chase bank account in XXXX, but no longer bank with Chase. The promotion offered customers the opportunity to earn a {$500.00} account bonus by completing certain simple activities : opening a new Chase savings account with a deposit of {$15000.00} for {$200.00} bonus ; opening a new Chase checking account with monthly direct deposits of {$500.00} or more for a {$200.00} bonus ; do both, get an extra {$100.00}. On XX/XX/XXXX, I clicked the link and followed the steps to create both accounts, which was done successfully. I had 30 days to find the account. On XX/XX/XXXX I initiated a fund transfer of {$15000.00} from my XXXX savings account. Chase informed me that this transaction would be processed on XX/XX/XXXX. Again, this is funding the accountmoving money from XXXX to Chase. I noticed on XX/XX/XXXX that the transaction did not occur. 

On XX/XX/XXXX, I phoned Chase to inquire why the transaction had not occurred and I learned that the transaction had been cancelled because Chase tried to phone XXXX and could not reach anyone at the bank to verify my ownership of the originating account. This seems odd. I never received any email alerting me of any difficulty with the transaction. I never received any email alerting me that my transaction was cancelled. I have the Chase app, and I never received any alerts. I went through an electronic verification process with Chase fraud prevention. I was told that unless Chase could, on its own, speak with XXXX, there was no way for them to verify the account. The agent suggested I visit a branch with a XXXX statement. I told her that I am immunocompromised and cant do that due to the COVID pandemic. I offered to send her a PDF of my statement, but she told me Chase has no way to accept it. I then spoke with a Fraud Prevention Supervisor, who had no ability to do anything more. He told me he took my complaint, but that it is Chase policy that Chase does not, under any circumstances, follow up with customers who file a complaint ; it is merely treated as feedback that a team looks at in the aggregatenever on an individual basis. I provided him with the XXXX phone number that I have used as a customer, and which I was able to access during our call, but he said when he attempted he got disconnected. I asked why the customer isnt provided any opportunity to verify the account, and he said its new policya policy, I imagine, that went into place just as the offers were being made to customers. I believe the offer was on its face fraudulent and Chase put into effect roadblocks under the guise of fraud prevention to inhibit customers from meeting the eligibility qualifications ; Chase lacks the support services to enable customers to achieve a resolution or to properly register complaints ; Chase has likely designed this scheme to enable to charge unnecessary fees. I feel stupid for having fallen for this offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off XXXX XXXX XXXX  and it is still being reported as if I owe. Also items that should be deleted are still being reported on my report. 

Any accounts that are showing me as authorized user should be removed. It affects me negatively and it is not my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act DEPT. OF EDXXXX Account # XXXX, has violated my rights. ( There are 12 of DEPT. OF ED/XXXX STUDENT LOAN ACCOUNT WITH THE ACCOUNT # BEGINNING WITH # XXXX. I AM NOT WORRIED ABOUT THE 12 ACCOUNTS I AM CONCERNED WITH THE REPORTED LATE PAYMENT. I only have a problem with the reported late payment for all 12 of the student loan accounts. I would like to keep the 12 student loan accounts on my reports just remove all of the late payment reports. ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention several inaccuracies on my consumer credit report, as maintained by your agency. I have identified numerous discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and related statutes. Rectifying these issues promptly is crucial to ensure the accuracy and fairness of my credit profile. 

I have previously contacted your agency through multiple letters regarding the following concerns : 1. Late Payments : Inaccuracies exist in the reporting of late payments on my credit report. 

2.Credit Utilization : Reporting of credit utilization on my credit report contains inaccuracies. 

3. Personal Information : The reporting of personal information, such as names, addresses, phone numbers, and employers, is incorrect. I assert that the entities providing information to credit agencies ( Furnishers ) have no right or written consent from me to furnish my information. 

4. Revocation of Consent : I hereby revoke any forms of consent, be it verbal, non-verbal, written, or implied, for the Furnishers to furnish my information. 

5. Non-Disclosure Option : I have not been properly informed by the Furnishers of my right to exercise a nondisclosure option, as required by 15 USC 6802 ( b ) ( c ). 

6. Adverse Information : Inclusion of adverse information without proper authorization violates 15 USC 1681C ( a ) ( 5 ). 

7. Knowingly Furnishing Inaccurate Information : Furnishing inaccurate consumer information knowingly is prohibited under 15 U.S. Code 1681s2 ( A ) ( 1 ). 

8. Immediate Deletion of Negative Accounts : I request the immediate deletion of all negative or derogatory accounts on my credit profile with XXXX, Equifax, and XXXX. 

9. Removal of Credit Utilization : The credit utilization information should only show the amount of the credit line, not the utilization level. Immediate update across all three credit agencies is requested. 

10. Correction of Personal Information : I request the correction of personal information to reflect only one name ( XXXX XXXX ), one address ( XXXX XXXX XXXX # XXXX XXXX TX XXXX ), one phone number ( XXXX ), and no employers. 

11. Deletion of Personal Statement on XXXX Report : I request the immediate deletion of the personal statement on the XXXX consumer report and the balance of credit scores. 

12. Notation of 15 USC 1681 ( c ) : Immediate notation of 15 USC 1681 ( c ) in XXXX, Equifax, and XXXX XXXX  concerning my consumer report. 

13. Compensation : I request {$1000.00} per violation in accordance with applicable laws. 

I appreciate your prompt attention to this matter. Please investigate and resolve these issues within the required time frame as per FCRA guidelines. 

Sincerely, XXXX XXXX
Product: Debt collection

I could afford it any longer. I defaulted on it. The company is XXXX cash advance. They are rude and threatening me and with legal actions. They called my son and said that he was on the application which is not true. I told them to never call my son and they said i had not rights to call and make demands, who did i think i was and so forth. I called and got the name of the company. Delaware XXXX. XXXX XXXX XXXX XXXX De XXXX fax XXXX XXXX XXXX i want them to stop calling my son
Product: Credit reporting or other personal consumer reports

THERE IS A XXXX  XXXX BANKRUPTCY DISCHARGE APPEARING ON MY CREDIT REPORT I HAVE CONTACTED EQUIFAX AND XXXX AND XXXX CREDIT AGENCIE SEVERAL TIME TO HAVE THIS ITEM REMOVED, THEY WONT REMOVED IT PLUS EQUIFAX AND XXXX AND XXXX CANT PROVID ME PROOF OF THE INFROAMTION ALSO WHEN THEY SEND ME A COPY OF MY REPORT THEY SAY ON THE REPORT THEY GET THEY INFORMATION FROM XXXXXXXX XXXX XXXX AND I CONTACT XXXX XXXX AND THEY SENT ME A COPY OF MY REPORT FROM THERE SYSTEM AND IT DOES NOT SHOW NO XXXX  XXXX BANKRUPTCY AT ALL THEY SENT ME A LETTER ADVISING TO HAVE THE CREDIT AGENCIES TO REMOVED THE NEGATIVE INFROMATION.
Product: Credit card

On XX/XX/XXXX while trying to pay a credit card bull at a Bank of America on XXXX XXXX in XXXX TX, the machine ate my money but refused to credit the account, They issued a temporary credit of {$300.00} but then rendered a decision a month later to reverse it, They sent a letter, stating that it was transferred to another department because it wasn't an ATM issue, which is completely false.
Product: Debt collection

On Friday, XX/XX/XXXX at exactly XXXX. mst, I called into Borenstein & Associates office to discuss a current judgement that my husband has XXXX XXXX. I did not get the name of the gentleman that took my call. My recollection of his voice, was he was younger gentlemen, if that helps any. I had called in to see what arrangements we could make on this judgement. My husband had received a letter that was sent to his parents secondary home here in Colorado. The letter was addressed to my husband and when his parents finally returned they delivered it to us last week. The letter was date XX/XX/2016. Which I had explained to this gentleman that we had just received the letter. I had asked if we could discuss the options that were laid out in the letter, since I was calling to see if we could possibly pay the account off that day. I had told him that one of the offers was to pay XXXX and the judgement would be settled. He told me that that offer was no longer available and I asked if we could come up with another offer that would be acceptable by both parties and he said no that since we owned our home they would get their money no matter what when we sold our home. 
I believe this not the best business practices and I was offended by his lack flexibility to work with me and also for his threatening remarks. 
I am desperately trying to clean up our debts and very willing to pay back what is owed, but I will not allow a person/company to threaten us. I 'm afraid that now they will harass us even more because we did not settle this judgement.
Product: Debt collection

Professional Credit Services showed up at my doorstep with legal paperwork outlining a debt that we owed. We attempted to call them to pay the debt, and when we did they told us that we couldnt have documentation until we put a downpayment on the debt. They told us they " dont do that. '' They want me to give them money without anything saying that they would halt the legal process. In fact the person told me that they would not proceed with legal ave ues if we paid them the money. Again no documentation was going to be given. The amount also keeps changing. It was around 550 and now its XXXX?
Product: Student loan

I began working for a XXXX hospital after graduating college in XX/XX/XXXX. I submitted my first employment certification form ( ECF ) in the summer of XX/XX/XXXX for the Public Service Loan Forgivement ( PSLF ). The ECF was approved, the qualifying payment count was appropriate, and my loans were transferred to XXXX XXXX. In the summer of XX/XX/XXXX, I submitted my second ECF at the recommendation of XXXX XXXX to submit an annual ECF. I received a determination on my XX/XX/XXXX ECF with what I believe to be an inaccurate qualifying payment count. I called XXXX XXXX at the end of XX/XX/XXXX and was told by a representative that a manual review would need to be performed which typically takes 3 months. Today ( XX/XX/XXXX ),  approximately 4 months after that initial call, I had yet to hear back on the results of the review. I called XXXX XXXX   for an update and new estimated time I could expect to receive a decision. I was told by the representative that she did see the request I submitted in XX/XX/XXXX, it was still under review, and at this time they do not provide an estimate of when the review will be complete because it could be more than a year. When I asked for clarification regarding the annual ECF and if this would at least be resolved when I submit an ECF in the summer of XX/XX/XXXX, she reported that annual ECF certifications are only reviewed for qualifying payments made from the last time an ECF was submitted despite having the same date of employment start listed for each ECF. Thus, this problem will continue to compound year after year with the expectation that I as the consumer may never hear back about my manual review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX {$0.00}
Product: Checking or savings account

I recently recieved a notice from the DISCOVER, Bank Customer Service. It indicated that they had recieved a application, on my behalf, to open a Discover Bank Account. It inidcated that the application has been cancelled as of the date XX/XX/2022. 

I contacted Discover and the customer service indicated that someone indeed tried to open a account on my behalf, but could not provide the necessary detatils to continue. 

I told them that i have never asked for a Discover Bank Account and that whoever is trying to do this is commiting fraud. 

Im sure there is other data in Discovers records, from the person who tried to open an account.

What can I do?
Product: Debt collection

KASHABLE HAS REPEATEDLY POSED AN AUTHORIZED DEBTER TO MY CREDIT REPORT. I HAVE NEVER OPENED UP THIS ACCOUNT AND DID NOT AUTHORIZE THEM TO DO ANY TRANSACTIONS WITH ME. THIS IS FRAUDULENT. THEY ARE REPORTING FALSE INFORMATION TO XXXX XXXX AND XXXX
Product: Credit card or prepaid card

This card was open in XXXX name with our permission, I contacted company to send me a copy of my signature and never received anything. this card has been on my credit hurting my score for years and have disputed over and over again. Im being penalized for something I did not do and have suffered from it dramatically. this account is fraud based and is definitely not mine.
Product: Mortgage

21st. Mortgage has been sending my house payment back to me each month no matter how I make the payment. Then I get a letter letting me know there will be a XXXX dollar late fee. Upon calling them to try and set something up so my payment gets to them any way they want they tell me I have to make 6 payments myself before they can or WILL set any form of auto payments up. Basically I call them to find out why my payment was returned to me and they just cuss me outt telling me there was no payment made!! I tried going over the persons head to see what could be done but was told they did not care I HAVE MY credit union paperwork showing my payments were made and returned!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter in regards to inaccurate items on my credit report. It has been well over 60 days and I have not received a response. I am being taken advantage of and my disputes are being totally ignored. In section 611 ( a ) of the FCRA, it plainly states that a failure to investigate these items within 30 days must result in a removal of the items from my credit report. It has been well over 30 days. It has been well over 60 days so they should be removed promptly. I demand these accounts be deleted immediately or I will be forced to file for litigation due to the stressed this matter has caused me. My information was also impacted by the Equifax data breach of XXXX, and my information could have possibly gotten into the wrong hands.
Product: Credit card or prepaid card

Bank Of America charging me over pay and exaggerated the ( Balance, interest and late fees ) Send me to the court for incorrect amount owed which was ( more than triple )
Product: Credit reporting or other personal consumer reports

I filed a dispute on incorrect information for my credit report. The below accounts were disputed but not carefully handled/reviewed. 

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. 

Experian failed to follow up with an investigation and also failed to follow back up with me period. This is a clear violation of the FCRA act under section 15 U.S.C 1681i This negative and incorrect reporting is affecting my everyday life. I am unable to get a new house or car because of these derogatory marks on my credit. There hasnt been any attempt to reach out to me or correct the information from experian. Under section 605b states that any fraudulent or incorrect information should immediately be removed. I gave them 5 weeks and still no response. This is my last luck to finally get removed what I am not responsible for! The only thing I can do beyond this is take this to Legal Damages Ive tried everything else. Please reach out to me at your earliest convenience, thank you.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Debt collection

XX/XX/XXXX - Received letter from ARSTRAT attempting to collect {$2400.00}. 
XX/XX/XXXX - I sent a dispute letter asking for verification of debt. 
XX/XX/XXXX - Received letter from ARSTRAT stating that my dispute was not valid and that their information is accurate. They were attempting to collect {$2400.00} for dates of services XX/XX/XXXX and XX/XX/XXXX. They attached an itemized statement from XXXX Hospital for dates of service XX/XX/XXXX and XX/XX/XXXX. 
XX/XX/XXXX - I sent a letter to ARSTRAT stating that they were attempting to collect a false amount of money from me for two different dates of services, many of which I had already paid for. I notified them that I would be filing a violation complaint with the FTC and Attorney General for attempting to collect a false/fraudulent amount of money.
Product: Credit card or prepaid card

Someone stole my identity and used my credit card to open a account online and withdrew money from my credit card and put in the account they opened. It is not my account they opened. The money taken out was $ XXXX $ XXXX {$400.00}. I did not take this money out. They put it in the fraudulent account ending in # XXXX. I do not have a personal account ending in that. 
The credit card company XXXX XXXX says I am responsible for this money. Thats so unfair. I did not withdraw this money and place it in this account.
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

My complaint is an umbrella complaint about consumer credit card rates across the board. 

Companies like XXXX XXXX XXXX XXXX Synchrony Bank, XXXX XXXX XXXX XXXX, and ESPECIALLY XXXXXXXX XXXX are charging way too much interest on consumer credit cards. 

For example, I have a XXXX  branded XXXX  from Synchrony bank. When I got the card, I had a credit score of less than XXXX. The interest rate was XXXX XXXX. However, I have had the card for more than two years, I have had 100 % on-time payment history, up to and including making extra payments. However, last month, I discovered that my rate has jumped to XXXX  %. My credit score has gone up to XXXX and back down under XXXX in the past year due to high utilization. However, my credit is now back up over XXXX with XXXX and XXXX ( BOTH of whom are still using the OUTDATED and OBSOLETE XXXX  XXXX credit scoring system instead of the XXXX XXXX or upgrading to the more ACCURATE XXXX XXXX XXXX ) and XXXX with XXXX. Yet, Synchrony still raised my rates. 

I understand between XXXX XXXX and XXXX XXXX  for fair credit, which is where mine fall. I understand a XXXX XXXX cap and an annual fee for bad credit. However, XXXX XXXX is absolutely UNACCEPTABLE for any situation, regardless of credit scores. And the fact that my history shows 100 % payment history and paying MORE than the minimum payments each month should be taken into consideration by all companies. 

Furthermore, with the economic depression created by covid, multiple layoffs, and people trying to get back on their feet, and improving repayment histories, the US Treasury needs to CAP the amount of interest that credit card companies can charge on unsecured debt to XXXX XXXX or less and secured debt to XXXX XXXX or less, and make the cap retroactive, and direct these companies to credit their customers with a calculated difference of interest.