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

Chase offers a system called " My Chase Plan '' where consumers are able to generate a payment plan for anything over {$100.00}. They also clearly state that plans can be paid off early, wiping the monthly fee. 

I spent XXXX on a XXXX when moving across country, and decided to use the Chase Plan option. I elected for an 18 month plan with 0 % APR but a monthly fee of {$22.00} with the awareness that I could pay this off early.

I then added a few other, smaller plans.

It has since been 9 months and I now have 9 active plans with the XXXX fee being the highest monthly fee. 

I called in requesting to pay the XXXX plan so that I could clear the monthly fee, but they shared that it isn't possible to select which plan is paid. 

I called in a second time and spoke wit ha 4th person, XXXX the account Supervisor in XXXX, MI with Chase Credit Card Services and she told me that the following rules apply : After the Interest Saving Balance is paid in full, any amount paid above that balance will go to : 1. The Highest APR payment ( doesn't apply because the MY CHASE PLANs are interest free, but instead use monthly fees ) Then the payments will be applied in this order of rules : - The remaining number of payments from lowest to highest ( # of months ) - The plan from earliest created to newest ( only after the first criteria is met ) This means that if I were to pay the same amount as the remaining balance on the XXXX plan, it would not be paid and I would still have the monthly fee of {$22.00} tied to it. However, it would end up closing out the payments with the smallest balance and the least amount due which are not my concern. 

When I asked for a copy of this documentation, she relayed that it was on their employee site and could not be shared.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint with you guys and Equifax states they will respond within 90 days which is not complying with their investigation policy with time frame. They have done this for the 3rd time. They do not complete the disputes I have requested to investigate the wrong incorrect information they are reporting without verifying, I will now file lawsuits. How can they tell you guys 90 days when their website state 30 days. I sent certified mail XX/XX/2023. Its passed 30 days. They are committing a crime at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEVERAL CREDIT CARDS, BANK ACCOUNTS, LOANS WAS APPLIED FOR USING MY PERSONAL INFORMATION I DID NOT GIVE ANY CONSENT TO ANYONE TO USE MY INFORMATION THESE ACCOUNTS WERE OPEN UP FRAUDULENTLYI am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian 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 Postal Inspection Service for other possible violations of the law.
Product: Debt collection

XX/XX/XXXX : Purchased a part for my XXXX machine from XXXX XXXX. Paid by credit card. 
XX/XX/XXXX : I received my receipt via email for above purchased item. 
XX/XX/XXXX : I found an {$1100.00} charge on my debit card. I tried to contact the company that charged my credit card but was unable to speak with anyone. I called my bank, told them the {$1100.00} was not an authorized charge to my card. 
XX/XX/XXXX : I received a invoice from XXXX via email. I saw this and dismissed as a scam. 
XX/XX/XXXX : Again received an email from XXXX and again I disregarded and deleted the email. 
XX/XX/XXXX : Another statement and it was deleted. 
XX/XX/XXXX : Another statement and it too was deleted. 
XX/XX/XXXX : I received a letter from State Collection Service requesting {$1100.00} on behalf of XXXX. I spoke with the agent from State Collection Service. I told the I never ordered anything, I never received anything and I was not going to pay. I tried to contact XXXX via phone with no luck. 
XX/XX/XXXX : I was alerted that a negative/derogatory remark was added to my credit score. 
XX/XX/XXXX : I contact XXXX to dispute this alleged purchase. After a couple of weeks I receive a letter from XXXX with the results of the investigation. They verified the action as accurate with no other explanation of how the action was validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the bureau by phone, online and by mail I have notified them that this Bankruptcy showing on my file isnt mines. I have contacted the courts as well and have been notified that the bureau hasnt contacted them to verify any information. However the bureau is insisting that they have investigated such matter and will not provide me with who they are investigating with or verifying through. 
I also have been told by the bureau that they are not directly investigating themselves which how can they report inaccurate information that they are not even verifying I would like the bureau to investigate directly and provide me with the party who they are directly verifying to.
Product: Credit card

I have been a Discover Cardholder since XX/XX/XXXX and have not encountered any issues with my account until recently. On XX/XX/XXXX, I missed a payment by a few days. On XX/XX/XXXX, I attempted to pay the overdue amount of {$48.00} through Discovers online portal. This was my first late payment in years. However, I was surprised to find that my payment was later canceled without explanation. 

Believing this to be an error, I resubmitted the same payment amount of {$48.00} on XX/XX/XXXX, and once again, it was canceled. On XX/XX/XXXX, I attempted a higher payment of {$60.00}, which was also canceled. Frustrated, I contacted Discover customer service and was informed that my account had been flagged for " XXXX '' status, preventing me from making online payments. I was then directed to contact a third-party collection agency, XXXX XXXX XXXX XXXX 

I want to make it clear that I am not in XXXX  nor do I intend to file for it. I only explored XXXX  as an option when initially contacted by Discovers collections department but decided against pursuing it. Despite my clarification, Discover closed my account, sent it to collections, and prevented me from making direct payments on their website. 

This situation has caused me significant stress, as I was not notified of the account closure or its referral to collections. I feel I am being unfairly penalized for a brief late payment and for considering my legal rights as a consumer. I have called Discover multiple times to request that my account be restored to normal payment status so I can continue fulfilling my obligations, but they have refused. 

To ensure my credit remains unaffected, I made a {$200.00} payment to XXXX XXXX XXXX on XX/XX/XXXX, and was assured it would be applied to my Discover balance. As of XX/XX/XXXX, my Discover account does not reflect this payment, raising concerns about timely credit reporting and the accuracy of my account balance. 

For the record, I am not in bankruptcy and have no intention of pursuing it. I request immediate resolution to avoid further harm to my credit and financial standing.
Product: Credit reporting or other personal consumer reports

transunion is not investigating my dispute and has take more than 30 days i demand that the disputed XXXX  XXXX  XXXX  account be removed as it has been 61 days since i started the dispute!!! transuion is not responding to my requests for information and has taken more than 30 days on this dispute.
Product: Credit reporting

There is an address in Georgia on my credit report that does n't not belong to me. I resided as a student on college campus in XXXX, GA, but not XXXX. An account was open in my name and social security with XXXX and XXXX using that address and I reported fraudulent activity about 2 1/2 years ago but the address has not come off my report. I do n't want any other accounts abled to open by this mistake on my record. Hopefully this can be resolved within a timely manner. Thank you.
Product: Debt collection

XXXX called me on XX/XX/XXXX and refused to provide debt information. They attempted to call me again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX at times I could not answer the phone. Five days have passed since initial contact and I have not received a notice or information about my debt yet. This is a violation of federal law. 

Response to first complaint was not a response to complaint. XXXX violated federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Navy Federal Credit Union account # XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purporse.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information being reported on my credit report. In particular, the following items are incorrect and are adversely affecting my credit score : Account Name : XXXX  XXXX Account Number : XXXX Balance : {$0.00} Reason : This account is incorrectly reporting that I have 3 late payments. On my XXXX report there are 0 late payments being reported. 
Last Verified : Inaccurate Date of Last Activity : Inaccurate Date Report : Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX  Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : This account is incorrectly reporting that I have 4 late payments. On my XXXX report there are 0 late payments being reported. 
Last Verified : Inaccurate Date of Last Activity : Inaccurate Date Report : Inaccurate Account Name : XXXX  XXXX Account Number : XXXX Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I was never late on this account. I have made all my payments on time. 
Account Name : XXXX  XXXX XXXX Account Number : XXXX Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

These items are either reported incorrectly or have already been resolved, and I ask that they be thoroughly investigated and corrected. I have already reached out to both the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please address this matter promptly and update my credit report with accurate information.
Product: Credit card or prepaid card

XX/XX/2018 I REPORTED {$470.00} transactions UNAUTHORIZED. USAA POLICY ADVERTISED PROMOTED IS ZERO FRAUD LIABLITY. WHY IS USAA LEGALLY ALLOWED TO DECEPTIVELY HIDE ALL ( PERMANET FRAUD CREDITS?? APPLYING TO ACCOUNT INTERNALLY?? ) ** showing only temporary credits XXXX DECEIVING?? CONSUMERS INTO BELIEVING TWO CREDITS APPLIED?? FOR ONE PURCHASE AND THEN ** REVERSING MERCHANTS CREDITS?? WHEN temporary credits were never applied not made permanet????
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and saw multiple unauthorized inquiries on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company XXXX XXXX XXXX XXXX. ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX XXXX XXXX. ) of any sort. 

In regards to The company XXXX XXXX XXXX XXXX. ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company XXXX XXXX XXXX XXXX. ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
Product: Credit reporting or other personal consumer reports

LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681b Quick search by citation : Title enter title Section section 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code Notes prev | next ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consume.

HERE IT CLEARLY STATES AND THIS IS LAW ACCORDING TO 15USC 1681B ; THAT ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER ; COURT JURISDICTION, SUBPOENA, OR IN ACCORDENCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER! 

XXXX XXXX XXXXXXXX XXXX * XXXX These are XXXX accounts on my credit reports. 
TO ALL XXXX CREDIT REPORTING AGENCIES PLEASE EMAIL ME A COPY OF THE PAPER WITH MY WRITTEN INSTRUCTIONS GIVING MY PERMISSION TO REPORT THESE ACCOUNTS ON MY CREDIT REPORTS!
Product: Credit card or prepaid card

On XX/XX/2017 i needed a jump start and decided to use Roadside assistance offered by Capitol One as one of my card benefits. I called Capital One and they verified my information, told me yes it was a benefit and transferred me to Master card. Again the agent verified my info and sent me to Roadside assistance. The toll truck arrives and to my surprise tells me i need to pay them because they are an independent contractor. I called Capital one and was told yes i will be reimbursed, so i used my debit card. Next day I called Capital one and for 3 hours i was on the phone with 3 managers. Each of them called Master card and over and over we are transferred to Roadside who confirms that no they have nothing to do with Capital one nor MasterCard. They just get a call and get on the road. After that the managers from Capital one drop the call and disappear. I call again and get another one. same thing. When i called Master card directly, I was told that i need to be connected to them by someone from Capital one. Each time i try, they drop the call after telling me that Master Card is responsible for the reimbursement. 
I 'm out {$70.00} and i need my money back. Also it would be helpful to other consumers if Capital one could stop advertising Roadside assistance as a benefit if it 's not
Product: Credit reporting or other personal consumer reports

I was laid off from my employer on XX/XX/2023. I contacted XXXX regarding my loan payment to request a deferment for the upcoming payment. This is also my 4th loan with this company, so this is not the first time I have deferred a payment. I was never informed of any change in their policy ; hence, I expected my account to be automatically drafted after this deferred payment. This was the case with all 3 loans, as I have faced layoffs during the turbulent mortgage industry staffing cuts. 

In XXXX, I received notification of my credit score dropping. From XX/XX/2023 to XX/XX/2023, I have received notifications of my credit score dropping a total of XXXX point due to this one account. I contacted XXXX and told a complete lie. In the attached email, the representative states that I had the ACH access cut off, which was never the case. In addition, she states that I was told I would need to restart the payments. THIS IS A BLATANT LIE. I have never had to contact the company to restart the payments. I also advised them to restart the payments when we spoke in XXXX. The company has made no attempt to draft my account. The account continues to spiral downward and have a tremendously negative impact on my credit. 

In addition to this, I have contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX and it is my understanding that they are working diligently to bar this company and companies like it from doing business in Georgia, as they are considered " payday loans. '' XXXX to my limited credit, I have used this company because it reports to the credit bureaus, and I saw an increase in my score. However, they are ruining my credit and will not stop digging me or collecting the payments. It is total insanity. 

Lastly, I have had to make a consumer dispute regarding their report on my credit previously and it took months. I am attempting to find an apartment and I need them to correct this asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 I was accepted into a property tax deferral program offered by the Mn Dept of Revenue. I am to pay a portion of my taxes and Revenue loans me the money for the rest. I sent my paperwork several times but here it is XXXX and XXXX XXXX  still cant get it corrected. I also sent them via a certified letter that I no longer wanted to escrow my taxes and insurance. I owe about XXXX thou on a XXXX thou house. Well, they want me to pay the full amount and this is even after the head of the program contacted XXXX XXXX. From XXXX until XXXX of this year I paid the full amount even tho I am supposed to get a break. In XXXX I paid just mortgage and interest. So they charged me XXXX rca fee and put my payment in suspense. Then they also told me that I couldnt use their bank app due to bankruptcy! I never filed for bankruptcy!! Then they lost the paper where I withdrew from escrow. So I am Re sending it again. I even was going to re finance my house with them and get just enough to fix it up but I wonder. I know they are large but I think whats happening is very unfair
Product: Mortgage

During mortgage application period with Universal American Mortgage Company ( UAMC ), i constantly instructed my loan officer to lock in my interest rate. he always refused, had an excuse on why he could not lock it. at one point even said he could not lock it because the market was so bad it was shut down. eventually time passed and interest rate rose. 2 weeks from closing or less he eventually locked me in at XXXX i should have been locked in at XXXX a month before that considering my credit score is XXXX additionally original documents showed origination fee of {$6000.00} total. at closing time it was changed to {$4000.00} origination fee and {$2000.00} point to reduce interest rate. i understand the totals did not change but the manipulative, financial engineering was dissatisfying and should be investigated. i was never told i would be paying for points and did not have a reason to pay to reduce points. considering the importance of purchasing the house and time restraints i still signed the documents and closed on the house.
Product: Prepaid card

My Account Available Balance {$0.00} Card Number : XXXX Expiration Date : XXXX/XXXX Status : ACTIVE Original Value : {$100.00} Print Icon Print Transactions Check balance for another American Express Gift Card Balance & Transactions Balance Summary XXXX Thru XXXX Value $ XXXX Transactions $ XXXX $ XXXX $ XXXX Balance {$0.00} Transactions 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX + {$0.00} Note : If you have recently completed a transaction , it may take 15 minutes for your Card balance to be updated. 
Gift Card Tips Dining Out Two Forms of Payment Hello, this is their record of my attempts to use my card. I did try to use this card at XXXX XXXX, and it didn't work. I tried to use it in my XXXX " wallet '', and it again was not accepted. Lastly, I tried it at XXXX and again it did not work. Each time I tried to use the card I gave the four-digit security code. After so many times of trying to use the card and not being able to, I asked that my money for the card be refunded. The next thing I knew, there was a charge on the card for {$100.00} ( the cards limit ) at a " XXXX XXXX '' on the XXXX XXXX. I let them know right away ( within 24 hours ). They said they would open a dispute for me. I just got the results of their " investigation '' a short time ago saying they are denying my dispute and I have lost my {$100.00}!