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

I recently made two purchases on XXXX XXXX with Chase visa credit card. These were on XXXX for {$650.00} and XXXX for XXXX. Over the last at least three years, I have made numerous, most likely hundreds of, XXXX XXXX purchases with my chase credit card without any issues or added fees. However, these two transactions are now being considered as cash advances. These purchases were for goods and services. I received no cash. Chase is now imposing what I assume will be hundreds of dollars in fees and interest because these are now considered cash advances. Throughout all of my other XXXX XXXX purchases I have never had to pay chase any fees or interest. In fact I made a XXXX XXXX purchase on XXXX and it was not considered a cash advance and no fees and interest. I know not to make a cash advance due to the fees and interest. I pay my card at the end of the month to avoid interest. I was not notified these purchases would be considered cash advances prior to their posting on my account. From my knowledge nothing changed between XXXX and XXXX. This was not my first time, if it was I could accept my mess up and take my punishment, but three years of history and notice makes this an entirely different situation.
Product: Credit reporting or other personal consumer reports

I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The company Santander Consumer USA is furnishing my personal information to credit reporting agencies including but not limited to XXXX, XXXX, and XXXX XXXX. Under the FCRA, information can only be furnished under the written instructions of the consumer to whom it relates. I never gave any written instructions for Santander Consumer USA to furnish my personal information to any credit reporting agencies. Sharing a consumers personal information without proper consent is considered identify theft under Federal Law. Therefore, for the protection of Santander Consumer USA and myself, I am seeking for the company to immediately cease and desist all sharing of my personal information to the credit reporting agencies and to notify me that it has been done.
Product: Credit reporting or other personal consumer reports

I am refiling this complaint to TRANSUNION. I am writing to reappeal that you block the following false information from my credit report. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit card

Capital One credit does not disclose the statement closing date to its users. Even if paid in full the account will not inform user of statement closing date. So if credit card is used in between the due date and whatever date is the statement closing date the consumer will suffer. I have suffered due to this and my credit score went down because this agency refuses to inform its own consumers when they are closing the bill date. This is a predatory tactic that leaves the consumer unable to use this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

am writing this letter to request that you remove the following accounts listed below due to multiple late payments and inaccurate information reported, which is a clear violation of my rights and has had a detrimental impact on my credit score, significantly decreasing my chances of being approved for homes and credit. I request these accounts be deleted within four days of receiving this per 15 U.S.C 1681 c-2. Ive disputed these accounts several times, and they continually came back as verified with inaccurate information, violating 15 U.S.C 1681i. 



XXXX XXXX Experian states the date opened on this account was on XXXX XXXX but XXXX reported the date opened as XXXX XXXX ; Experian also shows that the date last active on this account as XXXX XXXX but yet XXXX reported the date last active on XXXX XXXX. Experian is reporting the date of last payment as XXXX XXXX while XXXX reported date of last payment as XXXX. Lastly Experian is reporting a date of last payment on XXXX XXXX but reporting a charge off for XXXX in the payment history. 

XXXX XXXX Experian is reporting the Date Last Active as XXXX XXXX while XXXX XXXX last active XXXX XXXX and XXXX reported it as XXXX XXXX ; Experian reported the Date Last paid on XXXX but reported the account as 30 days late on XXXX in the payment history. Experians payment history is reporting this account as charged off from dates XXXX through XXXX, while XXXX payment history is reporting paid as agreed from the dates XXXX to XXXX. 

XXXX XXXX Experian reported the date last active on XXXX XXXX when XXXX reported the date last active on XXXX XXXX ; Experian reported the Date of Last Payment on XXXX XXXX XXXX XXXX Experian reported the Date Last Active on XXXX XXXX but XXXX reported the Date Last Active on XXXX XXXX. Experians payment history is reporting the account as charged of on dates XXXX and XXXX but reporting the account as paid as agreed on XXXX for the dates XXXX and XXXX Please remove these inquiries listed I have no knowledge nor did I authorize a pull from these companies XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX Please accounts has violated my rights 15 U.S.C 1681 section 602 A : States I have the right to privacy 15 U.S.C 1681 section 604 A : States A consumer reporting agency can not furnish an Account without my written consent 15 U.S.C 1666B : States A creditor Can not treat a payment under a credit card account, Under an open in consumer credit plan as late for any purpose. Please delete these accounts immediately this has detrimentally impacted my fico score.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I attempted to withdraw {$9000.00} U.S. from my CoinBase account to deposit to my bank account. There seemed to be issues with the CoinBase website. ( As usual. ) I had a problem getting a confirmation so I attempted the transaction a total of three times. On the third attempt it seemed to go through. I then received a confirmation that my funds would be deposited into my bank account on XXXX XXXX. Today is XXXX XXXX and my funds have yet to be deposited into my bank account and they no longer show as existing in my CoinBase account either. I received notice that my first two attempts had been canceled but that my third attempt was confirmed. My account on CoinBase shows my {$9000.00} transaction to be " PENDING '' to this day. However, on XXXX XXXX I attempted to withdraw {$1000.00} U.S. to my bank account from Coinbase and those funds were deposited and available within two days. **This proves without a doubt that there is no issue with my bank, my routing or my bank account. ** I have spoken with my bank and they have NOT received any attempt at a transaction on or since XXXX XXXX for a {$9000.00} transaction. ( Only the XXXX XXXX transaction for {$1000.00}. ) I have contacted CoinBase by submitting a support ticket and I have called their phone support. All they will tell me is that my case has been " escalated '' but that I should not submit another support ticket, email them or call them again because that puts me at the end of the resolution line. ( And apparently that line is long! ) What a great way to scam people and withhold their money by telling them if they inquire as to where there money is that they will have to wait longer to get their money!! They also sent me a link to my support ticket that does not exist! It only goes to their standard support ticket page but does not show any relevant information concerning my actual case. If they ca n't provide accurate and timely transactions or resolutions then they do n't need to be allowed the responsibility of people 's money!
Product: Consumer Loan

I XXXX XXXX, phone number:XXXX, address : XXXX XXXX XXXX XXXX XXXX, AR XXXX, purchased an ATV in XX/XX/XXXX through American Honda Finance ( Account XXXX XXXX ), I had 100 % on time payments until my spouse was laid off from the oil field and we were forced to file a Chapter XXXX Bankruptcy. This loan was fully discharged and included with our bankruptcy that was finalized and reported to the credit bureas on XX/XX/XXXX. We recently tried to apply for a refinance loan on a different auto loan, and since the bankruptcy our payment history has been 100 %. The loan officer called and said that the credit bureas were showing that we were 60 days late on this ATV loan and that it was showing open and active. We have not even had the ATV since XX/XX/XXXX, not just that but after 2 years now they are reporting it is an active account and reporting delinquency in payment history. This was written off and we did NOT reaffirm loan, So I 'm not sure why they chose to start reporting this invalid loan all of a sudden 2 months ago. This is very frustrated for someone who is trying to rebuild and doing everything right. I need this off my credit ASAP. Any help to do so would be greatly appreciated. As you can seen on the documents I have sent that everything stated is legitimate. There should be 3 attachment including my original Bankruptcy paperwork that shows this loan was included in Chapter XXXX
Product: Credit reporting

My credit card was reported 31 Days late to my credit bureaus but I was offered an payment deferment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sold my loan to American Credit Acceptance in XX/XX/2020 without my knowledge. My credit score dropped 60 points because it looks like the loan closed. 
I started paying XXXX XXXX XXXX XXXX XXXX XXXX. 
I called XXXX XXXX in XXXX to ask why they were not reporting my on time payments. 
I was told many different things. 
1. They do not have to report 2. They are short staffed 3. They are putting it in manually and it takes time. 
4. They would start reporting the following month Needless to say they never reported my on time payments. I was told they would report if I was late on a payment. 
I have called every month for 7 months. I have been put on hold for 30 minutes sometimes, I have been hung up on, I have been told they need the name of my consumer advocate so when they called the staff would know who it was. ( this was so disrespectful ) All three bureaus told me their name is below XXXX XXXX on the credit reports and By Law they should have reported 30 days and continued to do so every thirty days. 
I also spoke with a consumer credit attorney who told me to call the Attorney General in Texas .He also said I have consumer rights, They told me to call consumer finance for the government there in Texas XXXX 
I have waited 7 months for this company to report my good credit to the bureau. My low credit score due to their negligence has kept me for getting preapproved for a home loan as of last XXXX. I will have to sign another lease by the end of XXXX if this is not repaired on my report. American Credit Acceptance sent me a copy of all my payments in good standing several months back, it is not up to date but shows my diligence to make my payments on time.
Product: Debt collection

Transworld Systems is reporting that I have an unpaid balance of {$1500.00} owed to a company called XXXX XXXX. I have spoken to this collection agency, and explained to them that I have NEVER done business with that company before. In fact, neither I, nor anyone in my family, even plays a musical instrument. When I spoke to their reps, they told me I should contest the account at XXXX, XXXX, and XXXX XXXX if I felt the debt was inaccurate. They said that if it was not mine, it would be deleted. Well, I contested the debt, but Transworld told the credit bureaus that it was legitimate, and it is still on my credit report. I have since requested that Transworld provides some kind of proof that this debt actually belongs to me, but so far, those requests have been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX payment was late by 2 days ( not sure if this was a mail issue or a processing issue but I use recurring computer banking so wasn't my issue ). As I use computer banking, I trust payments made correctly ( as for the 1st year on the account ). When I explained what happened all the fees were refunded as is good customer service. My concern is reporting to the credit bureaus. I'm not sure missing by 2 days ( which was NOT my fault ) should create bureau reporting. I also don't think it's fair to continually report me as late when I'm paying the minimum amount ( forgetting the continual adding of fees ).
Product: Checking or savings account

A J.P. Morgan Chase bank employee took my check in the amount of {$3900.00} that was a return of a good faith rental security check thar had been returned to me by an unethical con person. As a XXXX XXXX XXXX XXXX American, the Chase Bank employee wrongly assumed that I did not know how how to use an ATM machine and she processed the check after taking the check and my ATM card out of my possession. I her prevented from seeing my confidential PIN number deposited to my check but later that day I received a " secure Message '' on my computer stating that due to an ATM error, {$3500.00} was debited from my savings account and I only received $ XXXXThis teller violated bank policy by intervening processing my check even though I was headed to to the teller window. I returned home and saw thar {$3900.00} had been processed and later thar day, Chase Bank took {$3500.00} from my savings account. It was explained to me that the Chase would only credit me withm {$390.00} because the number of the check was {$3900.00} but the handwritten check portion was written out as {$390.00}. After many conversations with several Chase Bank employees in which I explained that the con artist would not return the balance owned and their policy was illogical, faulty and an exception should be made in this case ( as Chase was facilitating a bank fraud/scam ), the bank manager, XXXX XXXX XXXX XXXX XXXX ) of XXXX XXXX XXXX, XXXX, XXXX XXXX told me that Chase would pay me the {$3500.00} and I would receive a check in that amount from Chase Bank XXXX On XXXX, He said the Chase Bank said no and would not repay me, a XXXX retired XXXX American female on a restricted budget. who needs that money to live! That is detrimental reliance and Chase Bank has to make good their promise to pay me ASAP, Help me solve this tragedy! I am the victim of this scam, con and unkept promises by Chase Bank!
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX OF XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX  Account Number : XXXX DELETE this account in the Credit Report. 

XXXXXXXX XXXX Account Number : XXXX DELETE this account in the Credit Report. 

XXXX. XXXX XXXX Account Number : XXXX DELETE this account in the Credit Report. 

9. Account Number : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA AN ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGANIZATION BELOW : CC : XXXX XXXX ASSISTANT DIRECTOR OF ENFORCEMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSIT INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Debt collection

This is about the debt collector Bureau of Account Management in Pennsylvania. In the XXXX  of 2023 I received XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, Colorado. I inquired multiple times about my co-pay amount -- in office and over the phone to their corporate office. They had my up-to-date insurance information and on at least three occasions I was told I had XXXX co-pay. In reliance on that information, I scheduled XXXX XXXX XXXX XXXX per my XXXX XXXX XXXX If I had a copay, I would not have scheduled as many sessions ( and truth be told, I wish I could have continued services, but after a few months I began receiving bills for a copay ). 

Despite XXXX 's intentional and/or negligent misrepresentations and breaches of contract ( our contract only covered " estimates '', which this was not, I was repeatedly told there was XXXX co-pay and I would be charged XXXX dollars for their services ), XXXX has attempted to collect {$400.00} from me. The current dispute is over a {$160.00} bill, but there will be a subsequent one for {$240.00}. 

I have repeatedly attempted to settle this dispute with XXXX, and was again told there should be no co-pay and the billing was a mistake. Then I was later sent multiple bills and sent to collections. I notified both XXXX and the collector, Bureau of Account Management ( BAM ) in Pennsylvania, of ongoing legal disputes regarding these bills. 

However, BAM has now sent me a letter stating that they have determined the debt is valid. My understanding is this is incorrect under Colorado law, because there are outstanding tort and contract disputes between me and XXXX. BAM is now threatening my credit score without a legal judgment. Please help. 

I can provide any documents you'd like, although all communications regarding the dispute were via internal systems at XXXX or via the phone. I do not have a copy of the contract with XXXX  ( as far as I know ), but I reviewed it previously and it states only that estimates may be inaccurate. However, again, this was not an " estimate. ''
Product: Credit card or prepaid card

Yesterday on the XXXX of XX/XX/2019 I spoke to a customer service representative at the American Express serve customer care center at XXXX XXXX. 
this customer care representative looked up my account card number XXXX XXXX. 

I informed him that there was a fraudulent transaction yes it was declined but it was on it was it was it was in the email notifications that I got not linked to the transactions on the phone system or the online system I couldn't feel it but it wasn't I got an email notification. 
after I inform you of this I have asked him to can't close the card and issue a new one unfortunately said there was a fee I disagree with that that I should have to pay that fee because process the change of a new card because it wasn't my fraudulent charge so he put a temporary lock on the card so that that merchants couldn't try to use it again that does not satisfy what I want as an outcome.