23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Earlier this month I contacted Chase through my/their credit card card web site and initiated a request for a credit line increase on XXXX of the XXXX I have through them. After some back/forth correspondence through the site, I was advised I was approved for the XXXX increase requested and would receive a formal letter latter documenting the approval. 

Well when I got their letter I was then informed though the XXXX increase was effected on the XXXX card ..., they were reducing the credit line on another by XXXX. Essentially not providing me any increase collectively on the cards. 

I contacted them by telephone and spoke w/ XXXX different people and requested they restore the XXXX reduction they took from a card not part of my beginning correspondence w/ them. They refused ...., yet suggested I could go back to what it all had been previously. I told them that was not a satisfactory resolution. 

Per their behavior, do I have a basis in any of the consumer laws to file a complaint against them and seek redress?
Product: Credit reporting or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

Timely payments have always been a priority for me with this account, preventing any instances of overdue payments. I'm unclear as to why there are indications of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be implemented.
Product: Checking or savings account

On XX/XX/XXXX, I made a payment of {$5200.00} via Bank of America business debit card for a service on XXXX. On XX/XX/XXXX, XXXX issued a refund to the same debit card, but by that time, my Bank of America account was already closed. 

XXXX provided a refund confirmation document, which includes an Acquirer Reference Number ( ARN ) that allows Bank of America to track the transaction. However, when I contacted Bank of America, they claimed they could not locate the funds and insisted that they had no way to track refunds sent to a closed account.

I have requested Bank of America to use the ARN to locate the refund and either return the money to Fiverr or issue me a check, but they have refused to take action.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation credit card XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation names and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX
Product: Student loan

In summer of XXXX, I entered into an agreement with The US department of education for student loans. I'm guessing they assigned Nelnet to manage my student loans. It's been a nightmare ever since. Nelnet falsely reported late payments to the consumer reporting agencies of my student loan accounts that ended up dropping my scores from the low 700s to the mid 400s. Those late payments were false because on each of those days that they claim the account was late, I was in forbearance ( proof has been attached directly fro, the studentaid.gov website. ) These inaccuracies have taken a big toll on my life. They've ruined my reputation on my consumer reports which has led to me being denied credit on so many occasions. It's bad enough being an XXXX American male in this country and how difficult it is to be extended credit. Nelnet made it even worse for me! Theyve prevented me from getting credit cards, apartments, jobs and I can't even qualify for a car. This has forced me to move backwards in these rebuilding times. I've been declined 2 good paying jobs twice because they thought those inaccurate late payments reflected on my character as a person or mean Id come late every day. 

I've also had to live in very undesirable situations because my credit wasn't 'good enough ' for me to live in a better neighborhood. I disputed the late payments with the bureaus in JXX/XX/XXXX and they put them back within 10 days after they were removed per nelnet 's request without even contacting me and I didn't receive a single proof or reason why those inaccuracies were put back on my account. 

I've spoken to someone from nelnet but the the most recent was on the XX/XX/XXXX in the afternoon. I spoke with a woman named XXXX and explained to her how this company has ruined my life by reporting all those inaccuracies and she told there's nothing she can do. After suggesting to speak to someone above her multiple times, she told me she would dispute them for me that's the best she can do and that I'll receive the results in the mail. 

I asked her how long it'll take for me to see those results and she said it'd take 4-5 business days. This was a Friday so I expected a response by Monday XX/XX/XXXX at the latest. Til this day I haven't got a response from them. She also apologized to me for not getting a response for my initial dispute from XX/XX/XXXX because they never sent me any proof to back up these claims. I know by law I'm supposed to receive a validation letter within 30 days of a dispute but haven't received anything. I wonder what they sent these consumer reporting agencies for them to put them back on my profile without my permission.
Product: Payday loan

This company charges an interest rate of 783 %. I was recently made aware that in Maryland, the maximum amount of annual interest on a loan under {$1000.00} is 33 %. I tried to contact Big Picture Loans in reference to this interest rate and an attempt to settle this debt but the email sent came back undeliverable. I have already made XXXX payment of {$180.00} which is interest only.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no derogatory marks on my financial history since I first established my credit history. I am employed and have been for the last 6 1/2 yrs with the same employer. I have shown myself to be a good credit risk for several years, however, all three reporting agencies refuses to allow my credit score to rise higher than the mid 700. This could only mean they are using factors that play no part in my financial risk i.e. my gender, race, and my demographic which are all bias.
Product: Vehicle loan or lease

GM Financial sent me an offer email on XXXX after I sent them a Cease and desist letter previously. Also on my credit reports they stated that I owed {$15000.00} then {$12000.00}, then {$900.00} and now its {$4000.00}. They have been stating inaccurate information on my credit reports for months. This is unacceptable. I would like this account removed immediately from all credit bureaus. I also requested these documents and none have been sent to me. 

I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. - EFFECT OF ERRORS OR OMISSIONS. 
9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL
Product: Credit reporting, credit repair services, or other personal consumer reports

The Federal Government took away our lawful money ( silver & gold ) in XXXX but Congress had to provide the people a remedy. Public Law : Chap. 48, 48 Stat. 112 under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar. That the giving a ( federal reserve ) note does not constitute payment. XXXX XXXX v XXXX XXXX XXXX XXXX XXXX 
That the use of a ( federal reserve ) Note is only a promise to pay. See XXXX XXXX v XXXX, XXXX XXXX XXXX. 
That Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See Rains v State, 226 S.W. 189.
Product: Credit card or prepaid card

On XX/XX/2020 i purchased a XXXX XXXX XXXX ticket to the value of {$1000.00}, and an extra {$280.00} through a 3rd party merchant called XXXX. Because of covid 19 the flights ended up being cancelled and we could not fly. XXXX XXXX will not offer refunds as the purchase was not done directly but through a 3rd party. XXXX has since stopped taking my calls regarding the refund. I have opened disputes with Discover but they keep putting the charges back as valid. I need my money back please assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, So I placed my freeze on XXXX and transunion and yesterday the loan officer for my mortgage asked me to unfreeze it which I already did after login on to the portal. 
He tried pulling my score but has been unsuccessful ever since. 
There is nothing wrong with my data because the loan officer is able to pull my score from XXXX so it tells me that the input data is correct. 
I called up XXXX and i online chatted with transunion and they confirmed that the freeze is lifted. 
I do not have any other ideas as they keep telling me that there is no issue to pull the score but my loan officer has sent me image evidence that the scores do not show. 

I am not able to proceed with my mortgage application which is very critical for me right now. Could you please help?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint ; the issue from February was NEVER corrected and still shows as derogatory on my credit thus impacting my credit score, caused me to get an increase of APR % on two credit cards, and delayed purchase of a home. THIS HAS BEEN over 60 days with NO result. I allowed plenty of time to correct my CBR!! This has to be resolved IMMEDIATELY and I want a copy of the correction!!
Product: Mortgage

Since XX/XX/2023 there was a cyber attack on XXXX XXXX, which in included our mortgage company- LoanCare- XXXX. I was NOT notified of there even being an issue by our mortgage company until XX/XX/2023. The email does not even include ANYTHING pertaining to the cyber attack or that my information was leaked on the darkweb. The only thing mentioned in the email was they updated their systems for a new customer experience, they are back online and if you have been unable to timely make your payment due to the system outage, no late fees or negative credit reporting will be incurred. My personal information was leaked from what I found out and I still have yet to be notified of this and it is now XX/XX/2023. I still have yet to be able to pay my mortgage for XX/XX/2023 and now XXXX is due. I was forced to use the XXXX payment money to be able to pay my other bills due. We are already struggling as it is, I cant afford to sit on money when other bills are due. This has put me in a huge predicament. VERY disappointed how all of this has been handled and I dont have clue what information of mine was leaked! I have called, tried going online, I have followed groups on XXXX of everyone else having the same issues. This is TERRIBLE!! I have contacted the Texas attorney general, put in a complaint to the XXXX and now contacting CFPB for help with this HUGE problem. The website is STILL down. I check serveral times daily to no avail. This is has been VERY poorly handled. This is NOT the first time Loancare has had information leaked/hacked. The stress from this has been horrific. There are class action suites against this company as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed account on my credit report that I have fully paid off. I tried to contact the company in which controlled the account to get it off my credit report because it is paid in full. They said it was against policy to take if off of the credit report, so here I am now trying to contact you guys if you can help get a closed paid off account off my credit report.
Product: Payday loan, title loan, or personal loan

In XX/XX/2018 I earned a {$25.00} XXXX gift card. Ive been calling and submitted emails even talked to reps. Its been over five months and still not  received.
Product: Checking or savings account

On XX/XX/2023 my phone and card was lost and a total of {$230.00} was charged to my card. Wells Fargo denied my claim because whomever stole my info replied Y to the fraud text. I told my bank my phone was stolen as well and no action to help me was taken.
Product: Credit reporting or other personal consumer reports

Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, XXXX and XXXX Immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

In XXXX of XXXX I contracted XXXX XXXX. I am XXXX years old and have a chronic illness so it affected me pretty seriously. At that time, my loan servicer was XXXX and I requested and was approved for a XXXX XXXX XXXX in XX/XX/XXXX. The forbearance was only for XXXX and XX/XX/XXXX. In XXXX I was working with XXXX to repay the XXXX XXXX months through a payment plan. I submitted all requested documentation and was told they were in the " decision '' process. The only communication I received from XXXX after that was to inform me that as of XX/XX/XXXX they were transferring my mortgage servicing to Shellpoint. I was also assured that Shellpoint would be sent all my XXXX paperwork. 
I made my first payment to XXXX on XX/XX/XXXX. On XX/XX/XXXX I received a call from a Shellpoint representative telling me I was XXXX  months behind on my mortgage and asking how I wanted to fix this. I informed her of the forbearance and she then offered me a XXXX month repayment plan contingent on my making another mortgage payment before XX/XX/XXXX I agreed to this resolution. On XX/XX/XXXX I received another call from another Shellpoint representative asking me the same questions as the previous rep had. I gave him the same info and told him I had already accepted a XXXX month repayment plan offer with Shellpoint at that time he said " Oh yes I see that now. I see what she did. Ok just make sure you make that payment before XX/XX/XXXX. '' I agreed to do so. On XX/XX/XXXX I made the second payment I did not receive a further email, phone call or text message from Shellpoint. XX/XX/XXXX I received a packet by certified mail from Shellpoint telling me I was now in default and had until XX/XX/XXXX to cure it. I called them immediately and spoke to yet another representative who now informed me that my payment plan was not approved because they " don't offer XXXX month payment plans '' I asked her how on earth I would know that if the rep offering it to me obviously didn't know it and that no one had ever contacted me to tell me it had not been approved or to offer me anything else. She apologized and then offered me a XXXX  month payment plan I agreed... again. I was told that it typically takes XXXX days for approval. That was on XX/XX/XXXX it is now XX/XX/XXXX and my mortgage is still showing in default. 
My understanding of the XXXX XXXX XXXX protection plan was that I could not be forced to pay the whole thing back at once and that the servicer was required to offer options for repayment. I haven't been offered any options that were actually " approved '' and they defaulted me. XXXX and XX/XX/XXXX were XXXX  months therefore I believe that I paid XXXX and XXXX and I should not be receiving certified mail threatening me with XXXX. My name is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX ( cell ) XXXX.
Product: Credit reporting or other personal consumer reports

I only have one XXXX XXXX account and not two. I have a XXXX XXXX account and a XXXX XXXX account. XXXX violates the consumer protection law by having two duplicate accounts on my credit report. I assume that when comenity sold the debt to second round XXXX they are also reporting me. These two account have different account numbers which I find extremely odd. This is FRAUD. Please see previous complaint regarding Second Round and XXXXXXXX XXXX. I plan on seeking a lawyer and suing XXXX, XXXXXXXX XXXX and Second Round XXXX
Product: Mortgage

I have ask for 3 month of repayment plan behind XXXX i alredy made XXXX then XX/XX/year> but i am getting notice of Dfault and intention to foreclose i dnt unstand when we agrrre on payment plan XXXX XXXX and XXXX XXXX XXXX  XXXX # XXXX # loan XXXX
Product: Credit card

SQUARE, aka BLOCK , INC the payment processor, somehow has my email and is sending me receipts for any purchase where the merchant uses Square for payment processing. While I may have given a SPECIFIC merchant my email for ONE purchase, it was not disclosed that by providing the MERCHANT with my email that I would be also providing to SQUARE/BLOCK INC . I did not authorized SQUARE to store or use my email, which seems to have be the case now with any purchase processed using the SQUARE apps. 

I just checked to see if I have an account with SQUARE/BLOCK INC and I do not, Per their site help pages, you can not remove email addresses from the SQUARE/BLOCK INC system. This is a PRIVACY issue. Given reported security issues with SQUARE, I do not want my email address or phone number that SQUARE/BLOCK INC has associated with my cards in their system.
Product: Debt collection

I never had an account with Bridgecrest. This furthermore proves the violations of information being illegally and fraudulently report to consumer credit report. 
15 U.S. Code 1681a ( 2 ) ( A ) ( i ) 18 U.S. Code 894 - Collection of extensions of credit by extortionate means a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

( b ) In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the non repayment thereof was punished by extortionate means.

Per consumer credit report from Bridgecrest on the following date of XX/XX/2023, that I the consumer owed a balance with Bridgecrest in the amount of XXXX and stated the " merchandise was taken back by credit '' which is also a false information as vehicle was not able to operate due to brake mechanical issues that were no longer under warranty and had Federal recall from the manufacturer.
Product: Debt collection

Calls about a debt that was covered by Georgia Medicaid for a XXXX ( XXXX hospital ) stay for my daughter over two years ago. I have no idea who this company is.It was XXXX XXXX in XXXX. Called them about twelve times and told them I am not responsible for this bill then they sent it to Optimum Outcomes at phone number XXXX XXXX XXXX which has been harassing me for over two years during which time I have had XXXX. My daughter is XXXX now. 
called XX/XX/2018 XX/XX/2018, XX/XX/2018 XXXX XXXX ,XX/XX/2018 XXXX XXXX,XX/XX/2018 XXXX XXXX,XX/XX/2018XXXX XXXX,XX/XX/2018XXXX XXXX,XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX, so many more over two years. The phone rings when I am at work and is harrassment.
Product: Debt collection

Creditor has stated that I owe XXXX then XXXX then XXXX. They change the amount each month. They constantly report it differently on my credit report. This debt was paid by the insurance company back in 2012. XXXX XXXX keeps reporting different creditors under my name with the amount of XXXX then they will decrease it to XXXX. Then re report it with a different date. Then they change it again to XXXX. This goes on constantly.
Product: Vehicle loan or lease

Today on XX/XX/2025 the repo company came pounding at am door want g my car. After the fact that I had previously spoken to global lending about when I get paid and mad a payment to them and they were going to pull the repo I made a payment when I got paid the last week of XXXX. Still they blew up my phone I get paid once a month I told this to them over and over when I made the Payment. And would make another when I got paid again then at the end of XXXX .. they have not documented anything I said about my payments they will not change my payment date until I am caught up they will not work with me at all. When I tried to work with them all last month in XXXX the lady called me over other day and I answered now they. Are getting pushy and rude and not helpful even though I clearly stated everything and when I could get another payment to them. I am sick and this added stress is not helping me at all they told Me they pulled the repo I told them when I would get a payment to them again and they clearly do not care.
Product: Mortgage

I started out wanting to refinance my home with a cash out refi. I found LenderFi online through XXXX. Initial estimates from the company ( XX/XX/2018 ) said that I could get a 4.5 % interest rate on a 15 year mortgage, and we estimated our home to be worth about {$230000.00} based on county tax records. 

My first red flag was when they told me my credit score was 30ish points lower than any other site was telling me. They told me that was normal, and they tend to fluctuate. Ok, I can buy that ... who understands how those scores are generated anyways. 

The second red flag was when the appraisal ( XX/XX/2018 ) came back with a value of {$190000.00}. The Appraiser, from XXXX XXXX XXXX, did not count all the square footage of my above-grade GLA. I brought this to the lenders attention XX/XX/2018 via email. 

The third red flag was when the closing disclosure document had an interest rate of 5.25 % ( XX/XX/2018 ). I was then further pressured to sign the document so that they could proceed with processing. I am not about to sign a document with numbers on that I don't agree with or understand. I'm not THAT stupid. 

( XX/XX/2018 ) I called and spoke with the lender rep, who was very kind and understanding, and explained that because the home didn't appraise for more, they had to charge me more interest. I then asked him to please ask the appraiser why he didn't include my entire GLA on his appraisal report as this seems to be the root of problem. He said he would look into it and get back with me. 

My husband and I have tried to call the lender and I have tried to email them several times and I have not heard back from the lender since. During our final conversation I stated that I either wanted a fair appraisal, or my money back for the appraisal so that we could go to someone more competent for a fair appraisal. 

I am out {$500.00} ( appraisal fee ) and am now starting the process over with my trusted XXXX XXXX Rep with whom I have a long-term relationship.