23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have been saving and working very hard for a trip of a lifetime to XXXX. 

I was ready to book my flight through Chase 's website in order to use my XXXX points ( estimated value of {$3300.00} ) I earned through many years of membership with Chase Sapphire Reserve. 

The flight I needed was not available through the website, so I called the customer service center for guidance. I was told by the customer service representative I could either transfer the points over to XXXX and apply the credit that way OR purchase the flight and charge the full amount on my Chase credit card and then Chase would apply the value of the points ( {$3300.00} ) toward my bill. I specifically asked her if there was a downfall with either option, such as a decrease in value or a fee, and she said no. I asked her, given her experience, what method she would recommend, and she recommended transferring the points over to XXXX as this was the easiest and fastest way with no downside. I agreed to her recommendation and trusted her advice. The transfer was done instantaneously. 

I immediately went on to XXXX to book my flight to find out the value of the points was half of what Chase offered, {$1600.00}. I again, immediately called Chase back and was transferred to a supervisor. It was acknowledged I was given the wrong information but that there was nothing that could be done. A " customer experience feedback '' would be filled out ; however there, no formal complaint or investigation would be done. 

In a span of 10 minutes, I was given the wrong information by a Chase customer service employee, which led to a personal loss but Chase 's financial gain of {$1600.00}. I am devastated and disheartened by this experience. I worked so hard and so long for this lifetime trip to be blown over. I turned to Chase for the information as they are the source ; how many more people have they lied to in order to save money? Where is the accountability from Chase for this dishonest practice?
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Product: Student loan

XXXX and Nelnet consistently refused and steered me away from Pay as You Earn and Revised Pay as you Earn programs and instead steered me toward multiple, consecutive forbearances from XX/XX/XXXX to XX/XX/XXXX. They sited error after error and continue to deny my application and forced me into forbearance repeatedly, adding a fee of {$1000.00} to my loan for each forbearance. In XXXX XXXX sold my loan to Nelnet who continues to deny my application and steer me towards yet another forbearance. My last application for REPAYE through Nelnet was in XX/XX/XXXX, they denied my last application because they said they did not like my pay stub because it does not show pay frequency and they said I also did not qualify because by paying early, I did not make 3 consecutive payments on time. They suggested another forbearance. 

I am trying to avoid foreclosure and bankruptcy and protect my family. I just want my REPAYE application approved so that I can start paying my student loan without losing our home and my sanity.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX {$3000.00} not removed XX/XX/XXXX {$0.00}. Not removed XXXX XXXX  XX/XX/XXXX not removed XXXX XX/XX/XXXX {$0.00} not removed
Product: Credit card

This debt was with XXXX XXXX I had XX/XX/XXXX. I became XXXX and lost my job so I could no longer pay this account. My bill was {$280.00}. I pulled my credit report bacause I want to try and fix what I can. I saw this account was sold to Diversified Consultants and now they reported that I opened this account XX/XX/XXXX which is false and that I owe them {$460.00}. It also resets the clock on this old debt and will stay on my credit report for another 7 years. This is wrong and affects me terribly.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX XXXX Transunion XXXX XXXX ) Account # XXXX ( XXXX ), 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

We had an existing Home Equity Line of Credit ( HELOC ) established with the Bank of America. This was to expire in XXXX, 2016 so we began the process of applying for a new HELOC to be able to transfer the existing balance from the old program to the new one. 

After successfully establishing the new HELOC we began to get statements which stated that our MINIMUM payments were to include both principle and interest. We assumed that the terms of the new HELOC would be the same as the old and that interest only payments would be sufficient until we totally paid the loan balance planned in a couple of months. 

To our shock, subsequent statements showed that the MINIMUM payment balances were rolled over to subsequent statements WITH A LATE PAYMENT PENALTY APPLIED! 

At no time during our application and signing process were we told that interest only payments were no longer sufficient and that the new HELOC program REQUIRED a MINIMUM payment that included principle AND interest. 

When contacted, the Bank of America did forgive the penalty for 1 month but required that we pay the total outstanding amount ( principle, delinquent principle as well as interest ) or otherwise be charged with another delinquent payment penalty.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER AND OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

This is not an error. I am sending my formal notice that you are in violation for reporting this inaccurate item on my credit report. My auto insurance rates are very high because of this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. it is an inquiry that is not mine. It is capital one bank on XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to resolve this issue with Experian for several months. Experian continues to violate the Fair Credit Reporting Act by reporting a bankruptcy on my credit report after they have failed to provide 100 % accurate verification. Experian has not provided who or what means of verification they received to continue to report this inaccurate information to my credit file. I spoke with the local courthouse and they informed me through letter that they did not report any information to consumer reporting agencies. This inaccurate reporting is causing a major hurdle to my current financial well being and I would like this matter resolved promptly.
Product: Debt collection

I was living at the XXXX XXXX apartment for a year I completed my lease and pay my rent on time and once my lease was up in XX/XX/XXXX I left. A year later in XX/XX/XXXX the outpost said that I had move out charges saying I owe them {$340.00}. A whole year of XXXX I don't hear anything from them. XX/XX/XXXX they sold my information to a collections agency, I contacted the manager about the situation and he said he doesn't have my information and I told him I wanted to dispute the move out charges he refuses to help and told me if I wanted to dispute any charges I had to contact the collection agency. I told them that they have a copy of my move out charges and he still refuses to help me. The situation that I'm going to 10 other former residents are going through the samething that I'm going through. They didn't notify me of the move out charges in XXXX when I moved out. The move out charges they put on me are bogus charges they literally made up move out charges to get some money from me. There was no trash in the common room or my bedroom and bathroom was cleaned the bathroom was old and out dated that's it looked like the way it was. I even showed my bathroom to the property manager when I was living there he did nothing about. I told both managers about the conditions of the apartment and the property manager admitted that the last person that lived was supposed to tell me about the conditions of the apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XX/XX/2019 RE : Hard Credit Inquiry Removal Request I am writing to request several credit inquiries that were unauthorized be removed from my credit report. On XX/XX/2019, I received a copy of my credit report and became aware of many inquiries that I did not authorize. They are as follows : 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 Card 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 Card 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 Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. 

In keeping with the Fair Credit Reporting Act, I am asking that my claim is investigated and any and all unauthorized inquiries removed from my credit report. I would appreciate a copy of my credit report once the inaccuracies are removed. 

Thank you for your consideration in this matter. Should you need to contact me, my email address is XXXX and my telephone number is ( XXXX ) XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this dispute because I believe it is against the law for a hard inquiry to stay on my credit without permission of me I have no account with these lender this was ran through a third-party without my permission for these particular company thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed. Please dont respond to my request by saying that these accounts have been verified by the information provider, I a aware of the E-OSCAR  process.I do not give your company permission to publish unverified information on my credit file. I am asking your company to legally verify the accuracy of these disputed items and not to just parrot what the information provider tells you. By publishing these unverified items on my credit report you are in violation of the FCRA and by distributing my credit report to 3rd parties you are damaging my reputation and credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : U S DEPT OF ED/XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Once my laptop was stolen I checked my credit report and found that there were many addresses that I have not ever lived at on my report as well and my name had three spellings that were also inaccurate. I contacted all three bureaus regarding these personal details and it was not corrected even after my calls and letters
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX, XXXX XXXX XXXX, & XXXX XXXX XXXX XXXX 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I obtained my consumer credit report and disputed all fraudulent charges and they denied that the charges were fraudulent and never replaced the over XXXX $ that was stolen from my XXXX checking
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report. They said that they did and everything was accurate. However when I went over it myself and did my own research I found a host of inaccuracies and inconsistencies on my report. The following accounts which have been disputed multiple times since XX/XX/XXXX until the most recent XXXX or XXXX letter at this point cent via certified mail on XX/XX/XXXX, I have even called XXXX and been told they never received a dispute when I disputed said account XX/XX/XXXX online via there website. I was then told I don't have an account with them and asked if I was sure it was them. I have received stall letters instead of compliance. 

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number XXXX In accordance with the fair credit reporting act the account numbers above has violated my rights. 15 US C 1681 section 602 A states that I have a right to privacy.

15 USC 1681, section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. Which I did not provide for the above mentioned accounts.

In addition to the violations above pursuant 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or UnveriUnderfiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete
Product: Mortgage

JP MORGAN ATTN : XXXX, ARE YOU TELLING ME THAT YOU WERE TRUSTEE TO MY MORTGAGE? XXXX? I DEMAND ANSWERS AND IN WRITING
Product: Credit card

The bank was contacted regarding my Paypal Mastercard ending in XXXX at the following number : XXXX on XX/XX/, resulting in an 25 minute phone call with overseas agents. The purpose of the call was an unrecognized transaction dated XX/XX/ for {$110.00}. After the lengthy phone call speaking with multiple overseas agents the following was supposed to have occurred : A provisional credit for the aforementioned {$110.00} and a new card number issued to be sent using a rush mailing status. On XX/XX/XXXX XXXX XXXX I personally reached the merchant for the mentioned charge, and they immediately issued a refund of {$110.00}. Upon checking the most recent account activity on XX/XX/XXXX XXXX  for the above card, no provisional credit was issued, the merchant refund is not appearing and the {$110.00} was charged a second time to the account on XX/XX/XXXX XXXX XXXX The payment on the account for {$600.00} dated XX/XX/3 has not been credited to the account, rather it was charged to the account as an adjustment on XX/XX/XXXX XXXX  for {$600.00}. Attached as proof is the following : payment on the account for {$600.00} dated XX/XX/XXXX XXXX XXXX proof of posting of the payment to the XXXXXXXX XXXX  account for {$600.00} posted XX/XX/, proof of the merchant issuing a {$110.00} credit on XX/XX/XXXX XXXX XXXX Paypal Mastercard account history as of XX/XX/.
Product: Credit card or prepaid card

I was approved for a Care Credit medical credit card in XXXX of 2019. The purchase made was in the amount of {$5800.00}. It was advertised that with minimum payments that this debt would be paid in 6 years. I have been making the minimum payment required for the last 6 months and noticed that my balance was not decreasing ; it was remaining the same. On the statements, there is a section that advises me that making only the minimum payment would take me 6 years to pay off the debt and that I would pay a total of {$7600.00}. When I called them about the issue, the customer service representative advised me that because I have card security, that payment was incorporated into the minimum payment resulting in me paying the monthly interest fees and card security fees only which none of my payment is going toward the actual debt itself. The total amount that I have paid since I received this card and been making the required monthly payments is around {$3500.00} yet only about {$430.00} of the debt has been paid. Prior to beginning card security, my minimum monthly payment was {$140.00}. After card security, my payments went up to {$170.00} and have slowly increased over time. The minimum payment for this month is {$170.00}. I was advised that by adding the card security that I would pay this fee in addition to my minimum required payment for this debt. I was advised that the card security fees would be in addition to the minimum required payments hence the reason my minimum increased to {$170.00} from {$140.00} when card security was obtained. This needs to be corrected because something is not right here.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am writing to delete the following information in my file, the items i need delete are listed in the report i am a victim in identity theft and did not make the charge. i ask that the items be deleted to correct my credit report. i reported the theft of my identity to the federal theft admission, i also have enclosed copy 's of the federal trade commission identity theft affidavit. I will appreciate if you delete as soon as possible as it is a hindrance in my life to advance the events in my life style to provide a better life for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were done under fraud and I have disputed these accounts and they are affecting my livelihood. I first realized the issue when I found addresses on my credit report that did not belong to me : XXXX XXXX XXXX XXXX XXXX, PA XXXX, any accounts connected to this address are not mine and need to be removed. The accounts have violations of the Federal Credit Reporting and the fair Credit Debt Act. These accounts are causing financial hardship in my life. Its been a violation of my eight amendment United States Constitutional rights by which its caused suffering. These creditors have utilized predatory lending acts and practices that have caused me not to secure adequate housing and reliable transportation. Im an indigent person now that the Credit Reporting agencies fail to investigate and correct my disputes. If my issues are not corrected I will be forced to escalate this matter to Federal court. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Wells Fargo repo my truck after I just talked to them explaining my situation about starting a new job and would have a payment for them then they turned around and sold it for less than what I owed on it. This was back in 2013.