23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Regarding my Chase Sapphire account ending in XXXX ( I don't want this shown as a typical dispute, do not show or mark it as such as I don't want it to hurt my credit. ) For years my available credit limit at Chase was {$13000.00}. 
Recently, without warning, they reduced it to {$5000.00} from roughly {$13000.00}. 
So, for years, Chase literally made tens of thousands of dollars of interest off of me and my account. 
And yes, I have been paying a high annual fee for this Sapphire card! 
In XXXX, I worked hard to get my income over {$300000.00} gross, I got my XXXX over XXXX, and then I pay down the Chase account to XXXX - and then what do they do, Chase lowers the balance by a very large amount. 
This limits my buying power and it will hurt my overall XXXX XXXX due to the overall utilization. 
I really want to just close the account and walk away from Chase but that will only hurt my XXXX XXXX more. 
They have penalized me for paying down/off my account. 
I have not received any correspondence about it either. 
Do not show this as a dispute - because that will only hurt my credit card further. 
I am so unhappy with Chase, yet I am stuck with it. Such a bad experience.
Product: Debt collection

In XXXX of 2018, my TD Bank credit card was used to purchase over {$2000.00} worth of clothing and memorabilia. I contacted the bank to notify them of the fraud. After an investigation, they determined it was not. I asked what further steps I could take in order to get it resolved, an associate told me I would be sent some kind of merchant paper which I would have to sign and send back stating it was not me that made the purchase. I never received the form and through many calls, I was told it was sent out. I confirmed the address and everything else, the bank still did not help me resolve this issue. I asked for the investigation to be reopened, the bank did not do so. After checking online, ( XXXX XXXX XXXXXXXX ) I found that a person can only be liable for up to {$50.00} for fraudulent activity on their account. I notified the bank once again and was put on hold for hours without a response. Countless times, I have been bothered by the bank or their debt collectors but no one seems to care about the fraud that occurred on my account, they only care about the payment. I shouldn't have to pay when a bank is not able to keep my account secure. Especially when I have tried to resolve the issue so many times, I am being bothered and told that I need to pay or it will be given to the next department.
Product: Credit reporting or other personal consumer reports

Reported a number of Hard inquires showing up after XXXX XXXX XXXX  data breach, even though there is a extended fraud alert on my file would not remove. I reported to the company and they stated that they do not share personal information with third parties. BALANCES PAID IN FULL PER AGREEMENT AS STATED ON 1099C, NOT DUE TO BANKRUPTCY. On XX/XX/XXXX mailed each company a written notice is regarding XXXX XXXX  XXXX IRREVOCABLE TRUST to include all deviations of the same with the SSN list XXXX of XXXX, GA Birth Certificate number XXXX DOD number XXXX, passport card # XXXX and Trademark Registration # XXXX. As Executor and authorized Agent for XXXX XXXX XXXX IRREVOCABLE TRUST, I XXXX XXXXXXXX invokes my right in regards of the Disclosure of Non Personal Public Information and defined by U.S.C., and Constitution of Republic America and per the FCRA. As a Federally Protected Consumer, I am now opting out of any and all authorization I the consumer may have given you. This includes written, unwritten, verbal, and nonverbal permission per 15 U.S. Code 6801 through 6805 effectively immediately and indefinitely. This includes any and all transaction history, any further reporting without a written agreement signed by the Executor or Trustee of this organization signed in Ink or Electronically with Email as verification and a UCC Financial Statement noting said agreement filed with Secretary of State. Further a copy of notice and said agreement must sent certified mail with PS Form 3811 return receipt address to Executor at address below.
Product: Mortgage

Axos Bank intentionally stalled the refi process to change the rate from 3 % to 4.5 % Timeline XX/XX/XXXX I started the Refi process with Axos Bank XX/XX/XXXX I was unjustly denied based on Axos miscalculation my income. 
XX/XX/XXXX After speaking with a supervisor, Axos bank restarted the application process. 
Axos kept delaying the process for weeks at a time for no apparent reason. I always sent in the requested information in a timely manner. 
XX/XX/XXXX After XXXX  months of stringing me along ( counting from the XXXX  time of application ), Axos finally approved my mortgage... 
... BUT Axos broke the rate lock right before doing so. 

They knew exactly what they were doing, knew where the process was holding, and delayed the refi in order to able break the rate lock since mortgage rates were climbing. 
This is not just bad customer service. This was deliberate and intentional to be able to charge more.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries 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 XX/XX/XXXX
Product: Debt collection

JC Penny reported a credit a credit card debt to the 3 credit bureaus back in 2012, then stated this account was sold to XXXX, I 've since spoken with and resolved with XXXX and they completed an investigation to determine the account not to be mine and they have closed the account and reported to all credit bureaus to remove this tradeline, JC Penny needs to do the same, the account is not mine and they need to remove this from all 3 credit bureaus. This is against the law to report inaccurate things on someone 's credit report, this must cease.
Product: Mortgage

I purchased a sampler time share pkg from XXXX XXXX on XXXX for {$3900.00}. After 3 hours was rushed through contract and told many lies. Was told if after 2 yrs if did not continue, would be refunded purchase price. I am now told if it 's not in the contract I 'm basically out of luck. I was not told of required presentations if book a trip with sampler. I was also not told it was limited destinations. Then i was encouraged to get the Barclaycard, was told pmts would be {$40.00} a month, was not told, promotional rate would end in XXXX of XXXX and start paying interest. I have been told to contact the sales guy, do not have his info, keep getting run around in emails. I want this debt canceled, I have no intentions of using XXXX or barclay.
Product: Money transfer, virtual currency, or money service

I am Filing a complaint against Cash App due to inadequate. Customer service and unfair practices, which violates the consumer financial protection act specifically cash failed to take timely and effective measures to prevent and address fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and Deceptive as they did not comply with error resolution requirements under the Electronic fund transfer act and regulations e. These actions have caused significant inconvenience and financial loss. And I seek appropriate redress for these violations.
Product: Mortgage

I have been trying to decease my mortgage principle monthly along with mortgage payments. I have went into my bank XXXX XXXX and with a bank officer. Sent a cash payment of $ XXXX {$420.00} for me, as a cash transfer to Select Profolio Servicing to apply to my unpaid mortgage. this was in XX/XX/2021. It is XX/XX/2021 and they still have not applied this payment to my unpaid balance. They tell me they have a turn-aroung of 14 days it has been almost a month. They told me eariler in a call they did not have enough people working in the department to do the work. They have given me every kind of excuse they want to keep from applying payments to my unpaid mortgage. 

I intend to open a checking account speifically for payments to be maded from it, to apply to my unpaid mortgage balance. I need CFPB, to monitor these payments for me so that this mortgagae company will apply these payments as specified for me. I NEED YOUR HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Our mortgage was on autopay and when the final payment was due, it was not deducted from our account. We didnt receive any notice until XX/XX/XXXX and I immediately inquired and was informed that a cashiers check was required for final payment. We send a cashiers check on XX/XX/XXXX and was received by XXXX/LoanCare on XX/XX/XXXX. They have reported the XXXX payment as being late on our credit report and it is next to impossible to talk to anyone about this. We are purchasing another home and this single instance is keeping us from obtaining a mort.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding Discover Banks handling of my account and the inaccurate reporting by the credit bureaus XXXX, XXXX, and XXXX. The issues I am experiencing with Discover Bank are causing significant and undue harm to my credit and personal well-being, and I respectfully request the CFPB 's assistance in resolving this matter. 

Account Details : Issuer : Discover Bank Account Number : XXXX Reported Amount : {$2900.00} Date Reported : XX/XX/XXXX Account Status : Closed/Charged Off ( XX/XX/XXXX ) Key Issues : 1. Inaccurate Reporting of Account Status : Despite the account being marked as Charged Off since XX/XX/XXXX, XXXX, XXXX, and XXXX continue to report it as derogatory. This is misleading as Discover Bank has been informed of the circumstances around the charges on this account. 


2. Theft and Disputed Charges : My vehicle and credit cards, including my Discover card, were stolen in XXXX, Missouri. Following this theft, unauthorized charges were made on my Discover account. I reported this to Discover Bank, yet they have refused to acknowledge the theft and disputed charges. 


3. Mixed Communication from Discover Bank : Discover recently indicated they are considering issuing a 1099-C form to potentially forgive the debt. However, they have also stated that they still intend to pursue legal action against me for this disputed debt, which has left me confused and without clear direction. 


XXXX. Request for Accurate Credit Reporting : I am asking for CFPB intervention to ensure XXXX, XXXX, and XXXX remove the derogatory status from my credit reports. The charges were disputed and resulted from theft, which Discover Bank has refused to appropriately address or resolve.
Product: Credit reporting or other personal consumer reports

I never had XXXX XXXX account in my name. someone used my information. 
I REFUSE TO PAY THESE DEBTS. 

XXXX DOES NOT BELONG TO ME. I REFUSE TO PAY THIS DEBT. 

CAPITAL ONE KEEPS HARRASSING ME. I AM STRUGGLING. I'VE TRIED TO REASON WITH THEM. XXXX PUT ME IN A BAD SITUATION. 
I REFUSE TO PAY THIS DEBT. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Got approved for an auto loan through XXXX XXXX XXXX XXXX  on XX/XX/2022. Upon approval I was given a list of participating dealerships that I could use the auto loan at, I chose to go to XXXX XXXX XXXX XXXX in XXXX, Ohio. It was there that I picked the car that I wanted to purchase with the loan that I was already approved for through XXXX  XXXX. After negotiating my monthly price down with the salesperson he proceeded to run at least 6 hard inquiries without my consent or knowledge. After the inquiries hit my credit report I went to the dealership to find out how this happened and they explained to me that when I said I wanted to purchase said car that they have the right to run my credit without my consent and that I shouldnt worry because they would all be counted as one and they will fall off my credit report eventually. I tried to contact the lenders directly and they asked that I file a police report but when I talked to the police they said it was a civil matter. My credit score has fallen over XXXX points because of the dealerships mishandling of my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, You are furnishing inaccurate personal information on my consumer report. Please see attatched dispute and only keep the correct address I give you, as I will also attatch a copy of my drivers licsense so there will be no confusion. Also when you delete the inaccurate address I would like a copy of my consumer report reflecting those changes with my correct address.
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Resolution Team, I am writing to request the removal of inaccurate and unverified personal information from my Experian credit report, including incorrect names, addresses, Social Security numbers, and phone numbers that are not associated with me. According to the **Fair Credit Reporting Act ( FCRA, 15 U.S.C . 1681c ) **, credit reporting agencies must maintain accurate and complete information in consumer credit files.

I have identified multiple discrepancies in my credit report that require immediate correction, as they reflect information that does not belong to me. The specific errors include : Names, addresses, social security numbers and phone numbers that dont belong to me.

Under **15 U.S.C. 1681i ( a ) **, Experian is obligated to investigate disputed information and delete any unverifiable or inaccurate data from my report. Additionally, the **FCRA ( 15 U.S.C. 1681b ) ** restricts the use of consumer reports to permissible purposes, making it crucial that my report only contain accurate identifying information.

I request that you update my credit file to reflect only my correct and verified personal information. Please confirm completion of these corrections in writing, and provide me with an updated copy of my credit report once these inaccurate items have been removed.

Thank you for your attention to this matter. I look forward to seeing these corrections made promptly, within the FCRA-required 30-day timeframe.
Product: Payday loan, title loan, or personal loan

I have been a customer of Citibank since 1989. I am eligible for a PPP loan of around $ 17K. It is a very small amount compared to most of the other loans that have been given out. My credit union is small and is not registered with SBA. On XX/XX/XXXX or XX/XX/XXXX I logged in on Citibank 's website and put my email address in the form they provided to sign up for PPP. I never heard back from them and their website now says they are not accepting any more applications, probably has said this for a while now. In XXXX ( not sure of the date ) I logged in and went to their chat feature under support. I asked the person responding about my chances of getting a PPP loan from Citibank, and the guy ( I think his name was XXXX ) told me that I would not be receiving anything because Citibank was only giving out loans to their biggest clients who had current or recent loans. They should have a transcript of this chat. I gave up on PPP then  but now that I see many others are complaining and Citibank is saying those complaints aren't true, I wanted to add my voice to show that the complaints are true. Citibank should apologize and start helping people. They should be ashamed of themselves.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXXXXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX
Product: Student loan

I consolidated my loans with a company called Ameritech Financial and signed up on XX/XX/XXXX. They started charging me fees on XX/XX/XXXX and told me that these payments would go towards paying down my loan. They told me if I kept paying through them for 25 years that whatever I had left to pay on my loans would be forgiven. I paid them all the way up until XXXX of XXXX and they charged me a total of {$2900.00}. The FTC sent me a letter stating the company was a fraud and was not paying our loans. I went to log into my loan service provider XXXX and saw that they had not made any payments on my behalf, but just simply put a forbearance on my account. I called them today XX/XX/XXXX to cancel my account with them and they said they will get customer service to call me back within 48 hours.
Product: Credit card or prepaid card

Applied for a Chase co-branded card ( Chase Marriott XXXX Card ) and received a confirmation email on XX/XX/XXXX stating the signup offer was 3 nights, each up to XXXX point plus platinum status through XX/XX/XXXX. Upon meeting the spending requirement, the bonus received was 3 nights, each up to XXXX points. After five months of communication with Chase, they finally agreed to honor the free nights at XXXX points/night but refused to honor the platinum status at Marriott. These difficulties have set travel plans back and taken lots of time and energy on numerous phone calls.
Product: Credit reporting or other personal consumer reports

I did not authorize this company to run my credit. It was done so fraudulently. The companies were notified of the fraudulent activity.
Product: Debt collection

THERE IS A COLLECTION ON MY ACCOUNT FROM SOMETHING I DIDNT OPEN UP. I TRIED TO DISPUTE BUT THEY SAID IT WAS ACCURATE WHEN IT REALLY WASNT. I DID NOT LIVE IN FLORIDA IN 2022 so I DONT UNDERSTAND HOW THIS IS POSSIBLE
Product: Credit reporting, credit repair services, or other personal consumer reports

Today marks 2 years i have been fighting inaccuracies on my credit report. XXXX XXXX XXXX has been removed from my credit report BY AN ATTORNEY over 5-6 times LAST year. It is continually being replaced after removal back onto my report. My credit scorXXXX suffered because of this allegation. During this pandemic, this inaccurate reporting cost me dearly and my family suffered throughout losing everything. I have done a consultation with an attorney. He advised according to Arizona Landlord Tenant Act ( A.R.S. 33-321 ) it was a violation because Normal or 'fair ' wear and tear refers to gradual damage you would expect to see in a property over time. For example, damage to carpets, fixtures, and fittings is extremely difficult, if not impossible, to avoid over a period of months and years. We are talking about a decolorated blind stained by the sun. This means any deterioration in the property that is caused by regular use. The landlord then proceeds to state cleaning fees of {$250.00}. The unit was cleaned thoroughly by myself moving in and moving out which i uploaded the video for her to see and she explained the stove felt greasy and i could NOT see it on the video. According to AZ state law, landlords are expected to clean between tenants but charges a cleaning fee when unwanted items are left behind. I cleaned this unit and took every carpet and tools the maintenance man left behind to the office before moving my furniture in. I cleaned thoroughly before leaving. 
After my consultation, i was informed that it was a violation of the Landlord Tenant Act and If a credit bureau 's violations of the Fair Credit Reporting Act are deemed willful ( knowing or reckless ) by a Court, consumers can recover damages ranging from {$100.00} {$1000.00} for each violation of the FCRA. XXXX XXXX XXXX has not only violated Arizona State Law but trampled over my rights with the help of the credit bureaus.
Product: Debt collection

My personal information was stolen resulting in an alleged false accounting of debt ( s ). I have sent multiple letters to have this information corrected and have completed a complaint with the CFBP on XX/XX/2021 as well as a complaint with the Federal Trade Commission on XX/XX/2021. I have also filed an identity theft report with the police.