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

I rented a car in XXXX, XXXX on XX/XX/XXXX from XXXX  and was charged {$180.00} more than my written quote. Once I returned to the U.S. on XX/XX/XXXX, I called Chase to dispute being overcharge by {$180.00} by XXXX XXXX ( who charged me {$470.00} on XX/XX/XXXX and the transaction posted to my account on XX/XX/XXXX ). Chase reversed the {$180.00} charge while the fraud department allegedly reviewed the case. Despite providing documentation to Chase proving I was overcharged, they ruled in XXXX XXXX 's favor and re-billed my credit card for {$180.00} on my XXXX statement. 

Upon receiving my XXXX statement from Chase, I noticed the following three new charges from XXXX XXXX : 1. {$52.00} on XX/XX/XXXX 2. {$53.00} on XX/XX/XXXX XXXX. {$53.00} on XX/XX/XXXX ( the exact same amount a # 2 on charged on the exact same day ) I proceeded to call Chase to dispute these three new charges by XXXX XXXX totaling {$160.00}. I have called and written Chase repeated and still have no resolution on the {$160.00} of fraudulent charges. I returned home on XX/XX/XXXX and have absolutely no idea why or what for XXXX XXXX was charging me for on XX/XX/XXXX and XX/XX/XXXX. Chase somehow send the {$52.00} dispute to their " compliance department '' and the two, {$53.00} charges went to their fraud department. Nobody I have spoken with has any idea why this happened, nor can they provide me with any information on the status of my disputes. I have spent more than 10 hours on hold and speaking with various " customer service '' representatives in overseas call centers who have no information and simply transfer around to different departments. 

I am beyond frustrated at this point. I have now been charged {$630.00} ( {$470.00} + {$160.00} ) by XXXX XXXX for a rental car that I was provided a written quote for approximately {$290.00} ( the quote was EUR XXXX ). Chase is a colossal global financial institution who provides who could not care less about its customers. I want a fair and rapid resolution as this has been going on for more than three months and I have invested way too much time and energy seeking a fair resolution. Chase is as much at fault as XXXX XXXX, by failing to review the facts of these disputes and stonewalling every attempt I have made to get resolution
Product: Credit card or prepaid card

In XXXX of 2020 I discovered {$1200.00} in fraudulent charges on my Chase Sapphire Preferred Visa card that began in XXXX and ended in early 2020. They are charges to an entity called XXXX XXXX CA, XXXX   XXXX XXXX CA and " XXXX XXXX XXXX CA, with a couple of spelling variants appearing on the statements. The charges are primarily in amounts of {$9.00}, {$50.00}, and {$99.00}, although there is at least one for {$9.00}. I reported this to Chase on XX/XX/2020, then heard nothing from them despite assurances that I would receive an email regarding my report as well as a follow-up within 5 business days. I then called Chase back on XX/XX/2020 for an update, and was told that some of the charges had been refunded to my card, but that the fraud department was still working on the case and that I should expect to hear from them soon. Indeed, when I printed my statement on XX/XX/2020, {$470.00} had been refunded to my account, along with {$72.00} in corresponding interest. I then heard nothing from Chase until I called them again on XX/XX/2020, at which point I was informed that the fraud department was still working on the case, and that some of the charges that had initially been refunded had been re-billed to me. I checked my statements and found that {$120.00} of the initial refunded amount had been removed from my statement and re-billed, along with {$10.00} of the adjusted interest. To date, I am only seeing credit for {$350.00} of the fraudulent charges on my account, this case has been ongoing for over a month, and Chase still owes me {$870.00} plus associated interest. Please help, as it appears they intend to continue dragging this out and giving me the runaround indefinitely.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and notice some hard inquiries that I do not recognize and are all over 90 days old and this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX STORE # XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX. 
XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

The inaccuracies and addresses listed on my credit report are non-mailable addresses. I demand to know the source of these addresses. Your inclusion of these addresses violates my rights under the Privacy Act of 1974 and15 U.S. Code 1681 causing me great harm financially and emotionally with obtaining credit resulting in a denial of credit. Recently I was denied access to credit with XXXX XXXX and XXXX XXXX XXXX. 

Additionally, the name listed on my credit report is incorrect, further infringing upon my rights under the Privacy Act of 1974 and 15 U.S. Code 1681.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
Once you notify the consumer agencies that there is inaccurate information they must immediately stop reporting that information until they can prove that it is valid.
Product: Vehicle loan or lease

Wells Fargo charged their own auto insurance when I already had one in place causing my payments to go to the insurance that WF placed instead of the loan itself. This caused the car to be repossessed. This was done knowing I had given a large down payment, caused a lot of confusion in the numbers, and WF made it very difficult to try and get everything straightened out. WF 's actions are deceiving.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to investigate my disputes regarding inaccuracies in my credit report properly. Despite my submissions, Equifax responds that the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to TransUnion via USPS certified mail tracking number XXXX requesting a thorough investigation into inaccurate items appearing on my credit report. Additionally, I disputed incorrect personal information listed in my report. To facilitate TransUnion 's verification of my identity and address, I enclosed a copy of my photo ID, Social Security card, and a recent bill reflecting my current address. 
I received a response from TransUnion dated XX/XX/year>, stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This response is in direct contradiction to my consumer rights as stipulated under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that if a consumer disputes the accuracy or completeness of any item of information within their credit file, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. TransUnion 's refusal to process my legitimate request despite receiving the necessary verification documentation demonstrates a failure to meet this obligation. 
XXXX lack of action has effectively denied me the right to an accurate and fair credit report, potentially harming my financial standing. This disregard for my rights under the FCRA is both frustrating and unacceptable. 
To support my claim, I have attached copies of my original dispute letter and TransUnion 's response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I updated my credit report with my correct address. I requested that Equifax remove addresses. 

THE ADDRESSES ARE STILL SHOWING ON THE REPORT ALTHOUGH THE REPORT STATES THAT THEY WERE DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

My auto loan company started to call me at my place of employment, leaving messages on a shared voicemail, sending emails through my work email, making repeat phone calls through my work phone. When calling my work cell at no time do they ever mention 1. who they are 2.that they are debt collector, just their name and to call them. After getting repeat phones calls from the time I arrive at work until XXXX at night. XX/XX/XXXX I sent a email to the manager to stop harrassing me while I 'm working. i received his response on XX/XX/XXXX stating the he place the cease and desist on my account, as per my request and will be honoring the cease and desist going forward. However sin the last few months I have received over XXXX threatening calls/emailed combined on my work phone and shared email account. when i post my XX/XX/XXXX payment on line as requested by a letter i received in the mail that it must be paid by XX/XX/XXXX, immediate after it posted I received another threatening call telling me I 'm still not caught up. Please help me in this matter I 'm a XXXX and receiving all of these threatening calls and emails are causing a great deal of stress and try to do my job so that i will have monies to pay my loan.
Product: Credit reporting

I contacted XXXX XXXX with Guild Mortgage on a fact finding mission to obtain information on mortgage loan products. I was very clear to XXXX that I was in the preliminary stages of my inquiry and that I did not want to apply for a loan at this time. XXXX requested tax returns and income information so he could review them and make a better recommendation as to what was available for my wife and I. This correspondence was only to obtain information for a possible future loan. After several days of no response I checked in to see if he had reviewed my documents. He immediately sent me some preliminary information. That information sparked several more questions, so I emailed him again with the same no response. I once again reached out to XXXX and his teammate XXXX XXXX responded letting me know that my " file was in process. '' On the same day I received letters in the mail showing mine and my wife 's credit had been pulled by Guild Mortgage. I immediately called and emailed to find out why this was done. At no time had XXXX XXXX or anyone at Guild mortgage received a signed application for a loan. Furthermore, Guild mortgage had not even spoke or emailed my wife who 's credit was also pulled. They had to obtain our Social Security numbers from the financial documentation I had sent him, which is a clear violation of the Fair Credit Reporting Act. XXXX XXXX did admit to the error but has not provided sufficient proof that this inquiries have been removed from all XXXX bureaus for my wife and I. I would like all XXXX bureaus cleared of these inquiries for my wife and I and for Guild Mortgage to provided the cost of credit monitoring service for my wife and I for a period of one year, which is estimated to be {$300.00}.
Product: Credit reporting

I recently got laid off from my job. 
I went online to get information to file for my unemployment benefits with California XXXX. 
On XXXX the first link had the California edd.gov so I clicked on what I thought was the right link. It had the XXXX screen so I began going through the process when a window popped up requesting I fill out a form for my credit report. I thought it a bit strange but that maybe this was a new process for unemployment! As I continued filling this information out and providing my bank information I realized that this was most certainly NOT correct so I closed out the screen and found the right link. 
Unbeknownst to me I signed up for a Transunion monthly report!! When I saw the fee debited against my bank account I called Transunion. They cancelled my subscription but refused to refund my {$19.00}. I want this company to refund me my money. They are preying on people by putting up a phony link to the XXXX! 
The date that I mistakenly signed up was XXXX/XXXX/2016 and the charge was taken out on XXXX/XXXX/2016, I do hope you can recover this for me as being unemployed every penny counts plus this is a consumer fraud. The link was intentionally put there to look like the official California XXXX link. Buyers beware ... ... .Very upsetting
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

2. Identity Theft BK OF AMER Account Number : XXXX** This is not mine.
Product: Credit card or prepaid card

Attn : Consumer Finanncial Protection Bureau My name is XXXX XXXX and I am XXXX years old. I currently work as a XXXX XXXX in XXXX XXXX, Florida. Due to the XXXX XXXX, my hours were brought to zero, as the office was unable to operate. As I do collect social security, it has been my manstay of income during this crisis. I was forced to give up my previous living quarters, and now live with a friend in a mobile home. They have allowed me to reside there for free during my fiinancial crisis. 
I have always made a effort to pay all of my bills and even during this time am trying to make the payments. ' Upon review I have a credit card debt with Capital One, and am still making monthly miniimal payments. ' I spoke with them by phone, explained my current situation and they odffered no assistance. Their professional attitude was disgusting. 
I owe a total debt to Capital One of {$2500.00} dollars, an every month pay them $ XXXX on time. 
Theycharge a rate of 27 % or {$50.00} interest after my {$100.00} payment every month. 
I absolutely begged them to establish a rational manner of getting thhe debt paid off. 
I am in a terrible financial dilemma, and Capital One should be investigated for the manner they are addressing the needs of individual like myself duriing this awful time in the world. 
The conduct of Capital One needs to be addressed by an organziation like yours, as there are using XXXX to financially destroy all who deal with them, and this is not right. 
I ask for any assisttance you can offer as this is not a professional manner of treating me or others during a horrible time in the word. 
Sincerely, Ms. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to XXXX explaining I was the victim of identity theft including the identity theft report regarding XXXX XXXX XXXX XXXX XXXX in the amounts of {$360.00}, a collection without an amount. It has been six ( 6 ) months and no action has been taken to remove these from my account.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, LA XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} Charge off XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 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  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # # XXXX XXXX XXXX XXXX XXXX looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting or other personal consumer reports

My understanding is that according to FCRA 605B, we're obliged to expunge any inaccurate accounts from my credit report. Could you please review the documents? Certain accounts listed are inaccurately reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached Credit Reports for all three credit bureaus. The following changes have occurred since those credit reports where pulled XX/XX/XXXX : - My hard inquiries have decreased from ( approximately ) 7 to 2 ( depending on the Bureau. Please see attached documentation ). This change is a significant difference but it isn't reflected in my score and no increases have occurred to account for it.

- All of the accounts payments listed on my reports pulled XX/XX/XXXX were listed as okay ( " OK '' ) and most of the amounts paid were reported. The new credit reports ( XX/XX/XXXX ) all omitted this valuable information ( listed as " NA '' or nothing at all with not payment amounts ) and it lowers the evaluation score pulled by lenders.

- My U.S. Education Loans length is not displayed and shows that my loans activity has started in XX/XX/XXXXbut the loans age should not be changed because the lender is the same and only the servicer has changed.

- My U.S. Education Loans were once only reported as one loan even though there were actually two. This has since been changed but didn't increase my credit history average.

- I have attached XXXX  credit card statements for your review. You will notice that there are occasions when my credit card utilization is high. If you reference my XX/XX/XXXX and XXXX  bank statements you will notice that there was a credit card utilization of {$900.00} ( approximately 9 % utilization ). No factors in my credit, debit or purchases have changed since XX/XX/XXXX but this past XXXX I utilized approximately 9 % and my score went down 10 points instead of three. The recommended utilization for a credit card is 20 % and I barely use half of that so my credit card score shouldn't have even gone down three points this past XXXX  and certainly not 10. There is no reason for this change and I believe that they are using unfair practices to evaluate my score by miss reporting information.

- My on-time payments, my consistently low credit card utilization and my decrease in hard inquiries on my account should have significantly increased my credit score but information has been changed and inaccurately reported resulting in my credit score only going up 7 points ( Transunion : XXXX > XXXX  ), 0 points ( XXXX XXXX > XXXX  ), and -1 point ( XXXX  XXXX>XXXX  ). I have attached the full credit reports from XX/XX/XXXX for all three bureaus. You can review the soft XXXX from XX/XX/XXXX to review the credit scores that I had at that time.

damage ever since.

- The first time I called to address the why my score went down I was told that my score didn't change, the second time I called I was told that the score is low because of two late payments back in XX/XX/XXXX. But I have been recovering from that damage for four years now and its impact on my score shouldn't have changed because all the factors in my reports have stayed the same. I talked to about 7 different representatives and finally, after asking how I could report this, she referred me to Consumerfinance.gov.