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

About two years ago, Chase had decided to increase my rate but gave me the option to close my account and pay off the balance at my then current rate 9.94 %. During this past year Chase had increased my rate to over 12 % without any justification and in violation of their original agreement. Also their online payment site is only allowing me to make payments for either the bare minimum payment amount or full balance. Nothing else in between. This shows an unfair re-payment option they are giving me, since I have been paying more than the minimum amount in the past to get this balance paid down sooner rather than later. Chase is forcing unfair re-payments on top of the illegal rate increase. Their business practices are highly suspect.
Product: Credit reporting or other personal consumer reports

I made my monthly payment on the XXXX of XXXX which I always pay on the XXXX or XXXX. I had just spoken to someone at the company to say my payment is made and now I get a XXXX point decrease in my credit because they are claiming Im XXXX delinquent. I havent been delinquent on my car since XXXX or 2023. They done offer deferments or payment assistance. When I was delinquent they always harassed me but never helped me
Product: Credit reporting or other personal consumer reports

XXXX XXXX CALLED ME ABOUT A DEBT AT FIRST I DIDNT KNOW WHO OR WHAT THEY WERE BUT I SETTLED THE ACCOUNT THINKING IT WOULDNT REPORT OR MESS UP MY CREDIT REPORT. THE ACCOUNT ENDED UP HIT MY CREDIT PROFILE AFTER I PAID THE ACCOUNT OFF AND I CALLED THE COMPANY AND I TRIED TO RESOLVE IT BUT THEY TOLD ME THEY COULDNT. OTHER CREDIT INQUIRIES THAT ARE NOT MINE AND ARE REPORTING FRAUDULENTLY : XXXX XXXX XXXX XXXX XXXX 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 sent a dispute for information on my report. I gave all the information they requested along with id and prof of address and they sent a letter back stating that the letter I sent was determined that it was not sent by me even though I signed the document stating that it was sent by me. This is a obvious attempt to by Clarity Services Inc to not take the necessary steps to fix the problem by making me submit multiple times and I feel that it is a unlawful activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with a representative with XXXX and verified that the student loan for XXXX XXXX XXXX does not belong to me. I never attended XXXX XXXX XXXX  and did not take out a loan for the school. The representative with XXXX acknowledged and verified the loan does not belong to me and would send me information on how to file a police report, and a letter to submit to XXXX to have them remove the information. That information was not sent to the email that I provided. I only received an email verifying that the call took place. I requested the original documents showing that I had taken the loan out to be mailed to me and the information on how to file a police report and the letter. I disputed XXXX through Experian and again they verified this loan as mine. I want to file a complaint for all the time XXXX has shown on my credit incorrectly and the proof of inquiries that have turned me down for credit since they have been fraudulently reporting on my credit, incorrect information.
Product: Debt collection

XX/XX/XXXX- Paid XXXX XXXX in full for XXXX XXXX XXXX on XXXX XXXX. XXXX fees included, per contract. Rate is {$220.00} per XXXX. 

XX/XX/XXXX- XXXX performed by XXXX XXXX XXXX. 

XX/XX/XXXX- Received bill from XXXX XXXX XXXX 

XX/XX/XXXX & XX/XX/XXXX- Contacted XXXX XXXX twice and sent supporting documents stating that I do not owe the bill. 

XXXX XXXX XXXX submitted bill to Asset Care Collection Agency . 

XXXX Filed disputes with XXXX  , XXXX  , and XXXX  . 

XXXX Sent correspondence to Asset Care Collection Agency asking that charges be removed from my XXXX XXXX account and false information be deleted from my three credit reports. 

XXXX Received credit reports. XXXX  score dropped approximately 120 pts- from XXXX range to XXXX! XXXX  score dropped approximately 100 pts- from XXXX to XXXX! 

XXXX Filed complaint with CFPB and Florida Attorney General 's office. 

**Please see attached file with documents that attest to these facts.
Product: Checking or savings account

I had my US bank debit card locked without contacting me about why and what happened. I called the fraud department and told them I made that purchase and it was from a reputable company and my friend has us bank and has made a purchase from that company so there shouldn't be a need for locking my card or sending a new one. US bank said they would unlock my card then another person said they couldn't and had to mail a new card and it would be here next day. I wanted my card unlocked because I need to use it and am relying on it and it didn't come in the mail today. I don't want this to happen again for any other purchases I make to lock my card without contacting me
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX sent letter to Transunion requesting information regarding several suspicious accounts. 
XX/XX/XXXX sent a second letter to Transunion requesting information regarding several suspicious accounts. 
XX/XX/XXXX received an auto-reply letter from Transunion with none of the requested information and no explanation. In the letter Transunion created an excuse that they think I requested help to fix inaccurate information and that maybe I should not ask anyone for help. 
XX/XX/XXXX sent a third letter to Transunion confirming I had received their letter of no action taken and restated my request for information regarding a suspicious account. 
XX/XX/XXXX received the same auto-reply letter from Transunion with none of the requested information and no explanation. In the letter Transunion repeated the made-up excuse that they think I requested help to fix inaccurate information and that I should not ask anyone for help. 

At this point it has been well past the regulated time Transunion has to respond to my multiple requests regarding the same suspicious accounts. I thought at this point Transunion is required to remove the account as the account was unable to be verified within the required time. Instead, they are able to delay without consequence which costs me money in higher interest rates and extra time and money to get approved. 

XX/XX/XXXX sent a fourth letter to Transunion confirming I had received their letter of no action taken and very plainly restated my request for information regarding the suspicious account. 
XX/XX/XXXX for the 3rd time received the same auto-reply letter from Transunion with none of the requested information and no explanation. In the letter Transunion repeated the made-up excuse that they think I requested help to fix inaccurate information and that I should not ask anyone for help. 
Transunion is not reading my written requests and is simply sending automated responses. How is this possible? No one holds Transunion accountable, Transunion does not have to do any required work, and does not have to follow regulations of removing accounts Transunion can not verify.
Product: Debt collection

This collection agency was able to receive a judgment against me without giving me the opportunity to respond or dispute my case, they also denied my request after several attempts requesting to see a signed agreement or contract.
Product: Credit card or prepaid card

XX/XX/XXXX called Bank of America to assist me in filing a hardship as I am a victim of hurricane Michael. I am unable to work and have no income at the moment. I was on the phone for over an hour being transferred several times or not being helped. I was told only late fees could be waived and I could not get my payments postponed. They advertised online that they were helping customers with hardships and working to help in disaster relief, but stated over the phone that this was not true. I have emails that show to call BOA for assistance during this hard time and also online mortgages were allowed to be put on forbearance. No one sympathized with this horrible situation. 
Once I return to work, I will have several months due at one time which is unaffordable. I was requested to call back every month to state if i can not pay just to let them know. I was also told to call back WHEN I could pay. All my other creditors understood and did NOT falsely advertise. I had the right to request a hardship and I wasnt allowed and I am in a federal disaster area. My town is having to be rebuilt from the ground up. By not helping your customers in need you will drive our community into bankruptcy as an only option.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reviewed my credit file after Experian sent an alert stating a new collection was added to my credit report. I then tried to dispute the collection due to the fact that EXPERIAN allowed the fraudulent report to be added back on my credit file after disputing the report in XXXX for Identify theft / FRAUD. In XXXX the account was deleted after submitting a police report a FTC report and more. My identity was stolen, my cards information was stolen, and more. I've taken several steps to have and kept fraud off my credit report while the credit companies are allowing it to be placed back on. Then when trying to dispute Experian system always seem to be down by phone, by computer. 

PLEASE SEE ATTACHED DISPUTE LETTERS AND REMOVE THE FRAUDLENT ACCOUNT. This was a result of Identity theft and my identification was stolen and has been used previously in the past I am paying too much money for credit monitoring in order to keep off fraud as there is. Along with tons of money due to the fact of signing affidavits and more to dispute the fraud with these companies as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX {$6900.00} XXXX XXXX {$900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two inquiries still showing on my Equifax credit bureau from XXXX both in XX/XX/2016 and are two weeks apart from each other. I wrote to the office and called the customer service department where the person XXXX could not find my information. I requested both of these to be removed from Equifax and XXXX XXXX and it still shows. This only shows up on Equifax but there was no contact information showing on each inquiry. This was more fraud being done since it was made twice without my authorization in XX/XX/2016
Product: Checking or savings account

Capital One Bank wont release my XXXX XXXX paycheck
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and thank you for your help. I'm exhausted. I ordered my credit report for the first time in years in XX/XX/2017 and discovered 8 accounts that were in question and unauthorized inquiries. I sent notarized and certified verification letters to the three major credit bureau XXXX XXXX, Equifax, XXXX and also directly with those creditors. I've had success and down to 3 account still ignoring me and reporting negatively with no verification. XXXX XXXX, XXXX XXXX, and XXXX/XXXXXXXX. It has been 6 months now and they and the thee Bureaus have given no explanation or physical documentation just stating " verified '' on my credit reports and not removing the unauthorized inquiries. I've sent out 4 rounds of disputer letter over 6 months. Please Help Me.
Product: Debt collection

This company claims I owe them money. I have never held an account with this company. I tried to tell them this and they told me I needed to stop lying and pay my bills.
Product: Debt collection

I was the victim of identity theft and discovered a fraudulent XXXX   account that had been opened up in my name with my social security number on XX/XX/XXXX. The account had an outstanding balance of {$970.00} that was reporting on my credit reports. I called all of the credit bureaus and ultimate had the account successfully removed from all three of my credit reports. When I called XXXX about the account they told me it had already gone into collection and that it had been sold to EOS CCA, a debt collection agency and that I should call them to file a dispute on the account. I called EOS CCA on XX/XX/XXXX at XXXX to file my dispute. In order to file my dispute I had to give them all of my personal information in order to file my dispute. They originally only had my name and social security number with an address that was not mine and no phone number. I had to give them my billing address and personal phone number in order to file my dispute. They said they would be sending me a " fraud package '' with more information with the information I would need to send them to help with their investigation. I still to date, as ofXX/XX/XXXX, have received not " fraud package. '' However, I have recieved several phone calls and a bill in the mail for {$970.00}, telling me that I owe this on an account. There is no mention of the dispute I filed, and they never had my billing address until AFTER I filed a dispute with them, but instead of sending me a fraud package they went ahead and just started billing me for an account that was reported to them as fraudulent. When I called EOS CCA after receiving a bill in the mail on XX/XX/XXXX the customer service representative, by the name of XXXX, told me that they had not processed my dispute correctly, yet somehow they managed to update the account info with my personal information so they could try an collect on a debt that I never incurred. This is criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has committed numerous violations of the XXXX the rules, orders, standards and prohibitions governing consumer complaints adopted by the CFPB 's jurisdiction. As a result of this cyber theft my identity was stolen. I have had issues when applying for loans, or trying to purchase a vehicle. To date I have paid over {$1600.00} out of pocket for credit monitoring/ ID protection. To make matters worse I was NEVER contacted by Equifax to make me aware of the situation. I found out via XXXX XXXX XXXX XXXX XXXX and has to utilize my time and money to gain more information regarding this breach. It is utterly disgusting to know such FRAUD has taken place without the consent or knowledge of the people they are impacting such as myself. If Equifax was seeking money from me I can guarantee you they would've made every attempt to contact me. They must be held accountable! 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Complaint Complainant Information : Name : XXXX XXXX Email : XXXX Phone : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX Filing # : XXXX Subject : DEMAND for Immediate Removal of Charge-Off Accounts and Bankruptcy Reporting Complaint Details : I am filing this complaint regarding the unlawful and inaccurate reporting of charge-off accounts and bankruptcy on my credit reports. These actions are in direct violation of consumer protection laws and IRS regulations, and they infringe upon my rights as a consumer and a secured party. 

Charge-Off Accounts : Under IRS regulations , charge-off amounts are classified as income and not as outstanding debt. Reporting these accounts on my credit report is deceptive, misleading, and a blatant violation of the Fair Credit Reporting Act ( FCRA ). Once a debt is charged off and reported as income for tax purposes, it is considered satisfied. Continuing to report these accounts as derogatory entries on my credit report is illegal and has caused undue harm to my financial standing.

Bankruptcy Reporting : I did not provide consent for any bankruptcy to be reported on my credit report. This reporting constitutes a violation of my rights under consumer protection laws. The unauthorized reporting of this information is defamatory and damaging to my financial reputation.

Resolution Demanded : To resolve this matter, I demand the following actions : Immediate and permanent removal of all charge-off accounts from my credit report. These accounts are improperly reported as debts when they are considered income by the IRS.

Immediate and permanent removal of any bankruptcy information reported without my explicit consent.

Written confirmation from the credit reporting agencies and the creditors involved that my credit reports have been corrected and brought into full compliance with the law.

Failure to address these issues promptly and in compliance with the law will leave me no choice but to escalate this matter further. I will file additional complaints with the Federal Trade Commission ( FTC ), state attorneys general, and other regulatory bodies, and pursue legal action if necessary.

This matter requires your immediate attention. I expect a full response and resolution within 30 DAYS Thank you for addressing this serious issue promptly and ensuring compliance with all applicable laws. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I show XXXX inquires on my experian report that should not be and was not performed by me, I have requested by letter XX/XX/XXXX with copy of companies that they do not belong to me, they have refused to remove off report. 
XXXX -XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

0n XX/XX/2018 I sent a letter to Equifax after their security breach and cover-up. In that letter I disputed multiple unverified, inaccurate and incorrect accounts being reported on my credit report. I sent the disputes via certified mail. The dispute was received by Equifax on XX/XX/2018. I received nothing but a copy of my credit report which did not properly verify the disputed accounts per the Fair Credit Reporting Act, 15 U.S.C. 1681, but was also postmarked on XX/XX/2018 which exceeded the 30 days required. I sent a follow up letter to Equifax explaining they did not properly verify any of the disputed accounts and also missed the 30 day response time. I requested they remove all of the disputed accounts which was required by law. I included a copy of the original dispute letter along with copies of the USPS receipts showing the dates they received the disputes and a copy of their response which was postmarked past the 30 day cutoff period. In response Equifax sent back nothing but another computer automated copy of a credit report with no changes. Equifax continues to show no regard for the victims of their criminal, unethical business practices and still refuses to abide by the law,
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE ADD THIS COMPLAINT TO ORIGINAL : XXXX AS TRANSUNION COULD NOT FIT. My credit score dipped XXXX points in XXXX. I now see remarks on all my files from XXXX just because I disputed and they filed in their favor. I will soon be buying a new home and my score is in the XXXX! I was in the XXXX 2 months ago. This is unacceptable. I have proof now that your forbearance plan shows NO DATA when I was paying mortgage in FULL after XX/XX/2020. I made a payment in XX/XX/2020, but since you set me up on the COVID plan. They forced the dates in XXXX. I also started paying right away and told XXXX that I no longer wanted the plan, but they did not stop this plan until XX/XX/2020 without my consent hence my unapplied payments I kept making and they having to manually enter them, but I paid my mortgage in FULL every single month I have had this loan. Like I stated before, the only months that were deferred were XXXX & XX/XX/2020. I just paid this loan off and I have paid back the {$1500.00} in FULL, but now having FORBEARANCE on my account is also going to hurt my credit. I have all my statements to prove this. So why are all credit reports showing NO DATA for all the months up to XX/XX/2020? Because XXXX did not report me correctly. This should show PAID as HUD paid those XXXX months for me and I want these remarks removed from my credit reports and especially my sister XXXX XXXX as she was not even living in the home anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries from XX/XX/XXXX for XXXX XXXX, XXXX  XXXX. XX/XX/XXXX for XXXX XXXX  and XXXX  XXXX. I also disputed these with the bureaus and they responded they were verified. I then sent letters to these companies and they also responded verified. I called them directly XX/XX/2022 and was given the information for Open Road Lending. I was told they could remove the inquiries if Open Road Lending sent a letter requesting the removal. I contacted Open Road Lending and spoke with XXXX and I explained I never applied for a refinance auto loan. I asked if she could send me proof and she stated all she could send was the adverse letter I was mailed which I never received. As I was asking if she could sent the letters to the banks requesting a removal she states she could not assist me and I have to disputed it with the bureaus. I explained again I have taking all those steps and was redirected back to their company. She started huffing as if she was getting annoyed with me. She then told me by law she had to provide the adverse letter and thats all she could assistme with. I provided my email for the information she claimed she was emailing to me. She told me to call My Auto Loan for further assistance as she could request a removal of the inquiries. I never received any emails from Open Road lending.