23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX The company named XXXX  XXXX XXXX XXXX, Deleted 25 account from my XXXX  Credit report. My credit score was an XXXX on XX/XX/XXXX, and because I have no account showing on my XXXX   Credit report my credit score dropped to a XXXX. I called XXXX  the company on XX/XX/XXXX I spoke to a rep who said that I dont have any accounts reported or listed on my XXXX  credit report, and that this is per the Creditor. 
I asked the rep how do I go from having 25 accounts listed on my XXXX  report 3 months ago and now having zero accounts not listed on the credit report. I explain to her that the 25 accounts are still active and that they should be showing on my XXXX  report. The rep said that I need to reach out to each creditor to let them know that my accounts are not being report to XXXX. This should be the job of XXXX  to investigate and not take decisions that will hurt the consumers credit. 
My wife, and I have been saving money to buy a house, and we are getting ready to apply for a Mortgage. The company XXXX  XXXX XXXX XXXX has wrongfully manipulated by credit history in a careless way. I am asking for the Consumer Financial Protection Bureau to investigate XXXX  XXXX XXXX XXXX negligent wrongful handling of my credit history. I this report I will provide all the creditors that were deleted my XXXX  credit report, and I will attach the XXXX   creditor reports showing zero information for my credit. 
It takes a long time to establish credit and to establish a good score. I want for XXXX  XXXX XXXX XXXX to re-instate all my 25 accounts, FIX MY CREDIT SCORE, and to show accountability for the errors and problems that they have caused. 
XXXX  Account XXXX - XXXX  DELETE ACCOUNT XXXX XXXX XXXX - XXXX  DELETE ACCOUNT XXXX XXXX XXXX - XXXX  DELETE ACCOUNT XXXX XXXX - XXXX  DELETE ACCOUNT XXXX XXXX XXXX - XXXX   DELETE ACCOUNT XXXX XXXX XXXX - XXXX  DELETE ACCOUNT US DEPT. OF EDUCATION XXXX - XXXX  DELETE ACCOUNT XXXX  XXXX XXXX XXXX credit card - XXXX XXXX  DELETE ACCOUNT XXXX  XXXX XXXX XXXX XXXX  XXXX - XXXX   DELETE ACCOUNT XXXX XXXX  XXXX XXXX - XXXX  DELETE ACCOUNT XXXX XXXX XXXX XXXX - XXXX  XXXX ACCOUNT American Express XXXX - XXXX  DELETE ACCOUNT XXXX XXXX XXXX - XXXX  DELETE ACCOUNT XXXX- XXXX  XXXX XXXX  DELETE ACCOUNT XXXX XXXX XXXX XXXX   DELETE ACCOUNT XXXX - XXXX - XXXX  DELETE ACCOUNT XXXX XXXX XXXX  XXXX XXXX  DELETE ACCOUNT XXXX XXXX  XXXX XXXX XXXX   DELETE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  DELETE ACCOUNT XXXX XXXX  - XXXX - XXXX  DELETE ACCOUNT XXXX XXXX XXXX XXXX   XXXX XXXX  DELETE ACCOUNT XXXX  XXXX  DELETE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  DELETE ACCOUNT WELLS XXXX EFS XXXX - XXXX  DELETE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  DELETE ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been watching my credit score daily for 36 months. there is no pattern to my credit score changing ... i pay cc debt to less than 30 % utilization -- credit score drops by 3 pts ( experian, XXXX  and XXXX ). i do nothing, score up 1 point. i have filed dozens of disputes - either no response or just stmt " we believe them '' but they are under no burden to provide actual data to support it. there should be a transparent credit scoring model - not just " it's complicated '' it's not. that's nonsense. do x credit score increases, do y credit score decreases ... the consumer is not protected. the agency websites are not easy to use and the disputes often aren't responded to. i want to know how score is calculated every single time and what causes it to increase/decrease -- - it's insane that the consumer doesn't have a right to this information. my credit has been ruined - i've disputed with all agencies and it takes years for them to do something besides sending a notice saying 'we got your dispute, we're looking into it. ' bad credit has prevented me from employment, insurance, home ownership, etc. this is truly criminal.
Product: Credit card

Dear Sir, I have recently applied for Chase Slate and came to know about their false advertising. Chase Slate advertise that they offer 0 % APR for first 15 months on Balance transfer within 60 days. But they will not send the balance transfer checks or allow you to do balance transfer to checking for first 90 day of a/c opening. These terms are NOT mentioned in their website. After 90 days, they charge 3 % or {$5.00} whichever is greater. This makes the customer NOT able to use the intro balance transfer offer. When question Chase customer service regarding this issue they say it the company policy, but they are NOT able to show such advertisement on their website. Please kindly take a look into this issue. 



Following is the advertisement Annual fee {$0.00} Purchase APR 0 % intro APR for 15 months on purchases. 
After the introductory period ends, a variable APR of 13.24 %, 18.24 % or 23.24 %. 
Balance transfer APR 0 % intro APR for 15 months on balance transfers. After the introductory period ends, a variable APR of 13.24 %, 18.24 % or 23.24 %. 
After the first 60 days your account is open, the fee for future balance transfers is 3 % of the amount transferred, with a minimum of {$5.00}. 


What can I use a balance transfer for? 
Pay off higher-rate credit cards. Pick which cards you want to pay down and then transfer the balance to your Chase card with an eligible lower rate. 
Consolidate balances. Make managing your finances easier by combining several credit card balances into XXXX. 
Pay for unexpected expenses or get cash. If you 've received balance transfer checks, you can use them to pay for things you need or to get cash. You can also call the number on the back of your card to transfer funds into a qualifying checking account. 
Please note : Balance transfer request ( s ) made online and/or with a Customer Service Specialist can not exceed {$15000.00} within any 30-day period. Balance transfers may not be used to pay other credit cards or loans issued by Chase Bank USA , N.A . or any of our affiliates. Successful payment history must be established for checking accounts you wish to use for ACH transfers. There are additional conditions that may apply. Be sure to read the terms and conditions of your balance transfer request for details.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX and I took out a flex loan with Advance Financial and the agreement said to resolve disputes about their 279 % line of credit would solved through arbitration, and now I am being sued by a debt collector attorney would just sent me a print out of the amounts paid by no running balance and the company took the write off amount ( for business loss in taxes ), added fees that I didnt know about and after paying thousands of dollars already for a line of credit of {$4000.00}, they say I still owe over {$5400.00}. This seems like predatory lending, at best. When I requested information from their attorney, I wasnt given answers that a consumer could easily understand. And repeated attempts to contact them resulted in failure. This is the definition of predatory lending.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I purchased a vehicle from XXXX and essentially the engine blew up and almost cost me my life late XXXX. The car was perfectly maintained by me at the local XXXX dealership and had no reason to have any issues as it also had low miles. The vehicle was deemed a total loss and neither my insurance or the lender has done anything to remediate this issue despite my plea. Seeing that there is currently a class action lawsuit against them for this same engine problem along with the vehicle price being deemed as a loss by the lending company ( they get a tax break ) I think it is fair for them to stop reporting this account on my credit. I am finding it very difficult to get proper housing or even apply for credit cards successfully because of this debt. It has caused me excessive mental, emotional and financial stress as I could not afford to pay two car payments ( one of which for a car I do not have ) and on the verge of eviction. I have even been denied jobs and opportunities due to this being reported to the credit bureaus. It is at this point a defamation of my character and very much affecting my life and family. They also have not sent me any type of information or any type of response for investigation as I have requested. Please help me.
Product: Credit card

In XX/XX/year> I signed up for a Discover It card. The promotional XXXX was to be for 0 % for XXXX months. After receiving my statements it is showing only XXXX months.
Product: Money transfer, virtual currency, or money service

On XX/XX/23, I submitted XXXX XXXX transfers of {$200.00}. Upon realizing that I was the victim of a scam, I reported this to Chase Bank. Chase opened a fraud claim ( # XXXX ) and on XX/XX/23 informed me that " no action will be taken '' and that " this is resolved ''. 

While I acknowledge that I initiated this transition, I am disappointed that the " investigation '' yielded no tangible information. I am employed by a member bank, one of the seven banks that own XXXX through EWS. I was recently versed on Reg E., XXXX, and fraud through my work at the member bank. Chase failed me on many levels and will continue to provide poor service unless the CFPB puts a stop to them. 

Chase did not ask me for the email evidence proving that this was a scam. I offered it. I'm suspect that an " investigation '' took place. Wouldn't it be in everyone 's best interest to find these bad actors and ban them from using the XXXX network?
Product: Payday loan, title loan, or personal loan

I WAS SOLICITED BY QUICK CREDIT CONNECT VIA US MAIL WITH A PREAPPROVED CHECK IN THE AMOUNT OF {$2600.00} IN XXXX OF XXXX WITH THE UNDERSTANDING THAT THIS WAS AN INSTALLMENT AGREEMENT. I MADE MY FIRST PAYMENT OF {$210.00} ON XX/XX/XXXX. XXXX XXXX XXXX IN TURN CONTINUED TO DEBIT MY ACCOUNT EVERY XXXX FOR {$210.00} AND THAT WAS NOT OUR AGREEMENT INITIALLY!!! ACCORDING TO THE ORIGINAL DOCUMENT. THE PAPERWORK, UPON FURTHER REVIEW IS NOT AT ALL WHAT WAS ORIGINALLY MAILED TO ME. ( SOMETHING IS ROTTEN IN XXXX ) THIS COMPANY APPEARS TO BE SWINDLING CONSUMERS WITH WHAT APPEARS TO BE A BAIT AND SWITCH TACTIC IN MY OPINION!!!!
Product: Credit card

Hello my wallet was stolen from my locker & my credit card was used I immediately called my bank ( CIBC ) & was told this would be investigated they called XXXX week later saying the unauthorized transaction was being denied because the Pin was used this transaction was done apparently at XXXX XXXX for XXXX $
Product: Checking or savings account

I noticed charges to my checking account debit card that I didn't recognize. The first was for {$13.00} and later, three subsequent charges of {$47.00}. They were all end of the month charges that were from 4 different companies that looked very similar. I called the bank, CapitalOne and the amounts were temporarily credited to my account. I recieved an email from CapitalOne that the first two charges, {$13.00} and {$47.00}, were approved and the later two, {$47.00} each, were denied. I called CapitalOne again as I was confused as to why the first two transactions were found to be invalid but the last two were deemed legitimate. I asked to speak to the department that makes the discission or supervisor but I was told they are not available to speak with customers. They told me that they would send the documentation to me that was used to make the determination. The documentation from the merchants were identical with the exception of the company names. This is where I found the charges were for " XXXX XXXX. '' I called again to CapitalOne to tell them I disagreed. I was able to get them to re-submit my claim as I never recieved the " XXXX XXXX '' that I was billed for. I was temporarily credited the two {$47.00} charges. I recieved an email from CapitalOne that the resubmitted claim was being denied because I had already submitted a claim for these transactions. I called again. I was told that another claim would be sent in. I sent the card investigations department an email going over very thoughly why their determination was incorrect. They replied with the same documentation and noted they will not reply again.
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.

The letters are stated with items and issues.

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. 

XXXX5 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: Credit reporting 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. 
I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX  Account number XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX XXXX - XXXX Account number XXXXXXXX XXXX XXXX  Account number XXXX XXXX Account number XXXX Account number XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX Account number XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

As I was going over my Experian credit report I notice the following noted by XXXX XXXX XXXX  Credit Card, and I was wondering would the reporting of these 7 missed payments ever be removed off of my Credit report, is there a timeline for the removal. 

It has been 2 years from XXXX, how long will those payments stay on my XXXX, Experian and XXXX credit file. 
It has been since XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ACCOUNT NUMBER : XXXX. DELETE ASAP NOT RESPONSIBLE FOR LATE PAYMENTS ETC
Product: Checking or savings account

As of XX/XX/year>, Capital One has still not resolved or communicated any helpful information regarding their Direct Deposit issues. They didn't even communicate about the known issue for over a day and a half. This appears to be affecting primarily early deposit accounts, which is a feature I didn't request or sign-up for, but was automatically included in. The company has neglected to provide timely communication, ETAs, and I have now spent over an hour and 45 minutes on the phone with no answer inquiring as to whether I need to take any action to receive my funds. They are not informing the public whether we need to do anything, whether early deposits will still show up, and are failing their loyal customers. All most people want is communication and to not have to contact their customer service center to turn NSF fees given their mistake. This just adds more confusion and frustration to their consumers.
Product: Mortgage

Citizens bank has increased my HELOC rates over 3 % over the last three years. My rate is well above the national average yet I am in good credit standing and have never missed a mortgage payment. 

When I called Citizens Bank in winter of XXXX they told they couldnt help reduce the rate until XX/XX/XXXX. I tried reaching out back out in XXXX and have yet to hear back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax 60 days ago by certified mail and have not received a response. I have an account on my credit report that is inaccurate and a deformation of my character because I paid this account in full before it was sent to a collection agency and before it was on my credit report. I sent the collection agency proof that was provided to me by the original creditor that I dont OWE ANY MONEY and have not received a response. And I am trying to utilize my credit to purchase a home and this INACCURATE account is holding me back. I also attached the proof that I dont owe a balance with deacon station and this was signed by the general manager. 

Account : XXXX XXXX XXXX XXXX Account Number : # # # # # XXXX Date Assigned : XX/XX/2019 Amount Owed : {$100.00}
Product: Credit reporting or other personal consumer reports

I had noticed something strange in my credit report ( year of XXXX ) once I made this bad discovery, I quickly called the two banks XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) to tell them that I had not applied for their credit cards, it was then that they told me yes I had applied, the cards had already been delivered, I quickly asked them to block the cards and I quickly informed the police of this situation .... once I got the police report I sent it to the two banks asking them to remove this information from my credit report, especially XXXX XXXXXXXX refused and reports until now periodically to the credit bureaus, however, I am not aware of these credit cards, I had not applied or used these cards, what's worse, I don't even know the card numbers. 
And now the amount is up to XXXXXXXX XXXX and XXXX XXXX insist that i should pay it while i dont have no idea about it!
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX XXXX tries to make an online wire via the Chase Portal. The account was flagged for Fraud. I called in and after many personal questions about my use for MY money they released the hold. Only for it to happen once again. After my second attempt to fix via phone XXXX. I went to the Bank. Where I was told I would need and appointment or go online to unblock my account. I stated that that was not solving the problem. I told them I needed to see someone asap to solve my issue, but was told an appointment needed to be made. I asked to see the XXXX ' who the teller stated was on a 'conference call. '' after looking her up on XXXX I saw she was right behind the teller hearing the interaction and proceeded not to help. this was the XXXX XXXX. Then an armed guard with body armor approached me to tell me to leave. In which I now know the XXXX XXXX XXXX was listening to my conversation and infringed on my Personal Information and the right that brings along with it. 

as of today my account is still blocked. I am now told I need to go to a branch ( remember I could only do this online ) and show 2 forms of ID to get my XXXX out of their bank. here is the issue. I am over XXXX miles away from the nearest Chase and they do not care. I have taken this to the XXXX XXXX and that is the service I get from the top. 

It amazes me how many different agents I came in contact with. Nobody want to help and nobody told the truth. I received a different lie every time. at least keep them consistent. Like the " Conference call '' line. I have asked everyone along the line to speak to a XXXX and that is the one thing Chase was consistent on. telling me everyone was on a call. shocker.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act, the list of account below has violated my federally protected consumer right to privacy and confindentiality under 15 u.s.c. XXXX Account XXXX .... XXXX  XXXX XXXX. 
Account number .... 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 stats a consumer reporting agency can not furnish account with out my written instruction.

15 u.s.c. 1681 C. ( A ) ( 5 ) section state 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 anted ates the report by more them seven years..

15 u.s.c. 1681 S-2 ( A ) ( 1 ) A. person shall not furnish any information relating to a, consume to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate..

There is a need to insure that consumer reporting agencies exerciese their grave responsibilities, with fairness, Impartiality, and respect for the consumer right to privacy.

Reporting company used your report improperly obtained or used for purpose that aren't allowed by law...
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud ... Their are hard inquiries they are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION HAS AN ACCOUNT ON MY CREDIT FILE THAT IS NOT MINE. 

XXXX XXXX XXXX NOT MINE XXXX-NOT MINE XXXX XXXX XXXX-NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$6300.00} XXXX XXXX XXXXXXXX Balance {$620.00} XXXX XXXX XXXX  XXXX Balance : {$43000.00} XXXX XXXXXXXX XXXX XXXX Balance : {$770.00} Medical XXXX Balance : {$220.00}
Product: Debt collection

V original contract between myself and XXXX States the following, By 4 lines for {$XXXX} extra line for {$XXXX} a month a limited talk unlimited text unlimited Internet. 
Account was closed on XX/XX/XXXX all bills then paid attachment bill and receipts. 
But I have notice to cancel all services On XX/XX/XXXX Stated and lost monthly bill statement. 
Cancelation shows under current charges total monthly bill for XXXX was XXXX Attach is a copy of the bill and receipt as stated shows Cancel next bill highlights. 
Received another statement for the most of XXXX shows {$75.00} per line a total amount of XXXX For a Canceled service. 
Contacted XXXX to resolve the subject they do not have a collection of the account. 
I was harassed by several collection agencies to collect a debt For a service I canceled 2 months prior.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft stemming from XXXX Data Breach XXXX XXXX and XXXX XXXX  Data Breaches attached is a copy of my identity theft report with all listed fraudulent accounts. 

Experian Fraudulent accounts XXXX XXXX XXXX {$1200.00} Account Number : XXXX XXXX {$1100.00} Account Number : XXXX XXXX Bank {$630.00} Account Number : XXXX XXXX Bank {$1200.00} Account Number : XXXX