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

To make a long story short, I thought someone stole my identity so i placed a fraud/freeze alert on my experian. I then receive the freeze letter in the mail and also another letter saying that ive been removed from .... i forgot what it was officially called, basically credit cards/loan company 's cant pull my report for the next five years. Here are the problems. First off, lets say i want to unfreeze my credit report a few months from now ( im not saying i do, im just using that as an example! ) could i even apply to a credit card for the next five years? The 5 year thing confused me a bit. Is it just for when the credit freeze is in place? Could i have some extra details about that because tbh it seems a lot like i placed a freeze to help prevent my credit from being screwed over and then experian themselves XXXX me over. The main reason why im reaching out is because experian has been sending me emails ( marketing emails, i think ) about credit cards that im matched to, that im qualifed for. its more than just a one time thing as well. I've received at least a dozen from experian since placing the freeze. Im not sure what experian thinks but to me thats extremely concerning, Why is that happening when experian themselves said it wouldnt happen? Is someone else applying for those cards? Does someone else have access to my experian account? ( the online account or even the experian account itself, like the one you look at! ) Theres alot of different ways that i can look at this but all i know for a fact are these 3 things. 1 : Even under the best circumstances, it just being someone at experian doing some type of typo or something like that, thats still really bad because they still arent suppossed to be doing that. Whats the point of the credit freeze if it apparently doesnt freeze? I guess experian doesnt care about identity theft. Come on, you cant blame me for thinking that way when it seems to be that way! 2 : Experian better get to the bottom of this and BE HONEST while doing it because if i find out experian screwed something up and then lied about it as well, I swear on my grave experian will be 100 % liable for any damages that might arise from that. 3 : If there is anything that screwed me over because of experians mistake, That will be an extremely bad day for experian in court. Please dont misunderstand me here, I dont want to take experian to court, im simply being honest, If experian XXXX  something up, then can you really blame me for thinking that way? Whats going on!!?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 90 days ago on XX/XX/2021. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over 90 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT, XXXX XXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS./ 15 U.S.C 1681 SECTION 602 A. STATES | HAVE THE RIGHT TO PRIVACY. 
15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Debt collection

Our company tried XXXX XXXX, XXXX and decided in XXXX 2014 that we did not want to use their services. All communication from XXXX XXXX, XXXX was through email so we emailed them stating that we did not want to continue their services and we also called them by phone and stated such. We have emails that show we cancelled and we never turned the services back on. XXXX XXXX XXXX has tried to collect money from us for services we did not receive and have now turned us over to a collection agency. We were turned over to a collection agency after we disputed the charges by email, by phone and by a written letter.
Product: Mortgage

Freedom mortgage makes it incredibly difficult to log on to their website or their app to check your loan status or even pay your loan. My loan is currently in a forbearance plan that is ending soon, I'm not able to check on the details of it or a repayment plan. There was recently an escrow analysis done on my loan, I am not able to check the details of that or to be able to see if my loan as increased due to so many technical issues on their app and website. I am not able to pay my mortgage unless I call or mail in a check. I am completely in the dark unless I call during normal business hours which is highly inconvenient. On their answering machine they say to check the app or website first but neither has worked for me for months. I've raised this issue every single time I call and they always say its an issue on my end. Not being able to check the status of my loan especially as it has been in a forbearance plan that is ending has greatly hindered my ability to make smarter financial decisions moving forward to not end up in forbearance again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went on a vacation with my family of XXXX. I rented a condo through XXXX and when we stayed, we got bombarded with sellers about the benefit of staying at at XXXX XXXX XXXX. My wife and I didn't know what to do and told them we would think about it, but they already had all our information 's and month later I found out i had a contract that I couldn't get out of it. When calling to cancel, I was told that it is too late to cancel and that I have to pay for it. When I found out who own the loan and try calling to cancel, I was told the same thing. I was left with a fraudulent account for over XXXX  USD. This account has been destroying my credit report for many years and i tried everything and they never try or said anything about this fraudulent. I never agreed on that day that I would finalize the deal they went ahead and did it themselves without my consent. I want them to remove this fraudulent information from my credit report. Thank you in advance.
Product: Credit card

I got an offer through email for a fixed fee " mychaseloan '' against my Chase reserve credit card in in XXXX / XX/XX/2023. 

We thought it was a great idea since we wanted to do some home projects. I took out 2 separate my chase loans ( In XXXX {$4500.00}, XXXX {$13000.00} ). Read all the terms and conditions, and understood if I made the interest saving balance, it would cover my loan plus new charges and I wouldn't get charged interest for continuing to use my card. Looked at my home screen on the app and APR said 28.94 on the chase app, and also on my statement. 

So I did make the mistake of making my first payment before my loan closed, called chase, and they explained on the first call in XXXX to me since I didn't have a statement balance yet it went towards the mychaseloan.I was told don't worry and as long as next month make sure you only pay interest saving balance, which INCLUDES monthly loan payment, and this will not happen again. So my statement now says interest saving loan balance is XXXX where it shows the payments is a colored section and breaks down these numbers.

So I make sure to only pay my interest saving balance. 

Same thing happens again, it applies to my chase loan only, and not my statement at all. So now my statement balance is ballooning, i call chase again. Talk to a supervisor again, they go through it with me and says to check XXXX & XXXX ( I did ) and I have to write an appeal to a fax number, so I sent a letter explaining there is a mistake with how my payments are being applied. 

Get denied again, and at this point I am freaking out because my statement balance now reads over XXXX, even though I put another XXXX payment ( loan amount plus XXXX, XXXX, XXXX charges ) I call again and finally when I'm talking to another supervisor - they see in tiny print AFTER all my apr and statement amounts it says there's a 4.99 promo APR rate. That was automatically applied ( chase rep 's words ). I was NEVER aware of this promotional APR rate, and through the multiple times I called chase, none of their reps ever told me it was on there. It was applied XXXX XXXX. My issue is I did not know this promo was on my card since I did not sign up for it, nor did I see it when logging onto the home page of the app. the app said my APR was 28.74 Cahse has said legally they had apply the payments to the highest interest rate, so my payments all went to the mychaseloans and not the balance. I can't find a record in my emails of the 4.99 promos at all. 


So chase refuses to change any of the payments but their statements are extremely misleading. They amounts are separated and printed in color to highlight what should be the statement amount, chase loan amount, and interest saving balance, when in fact none of the payments I made were interest saving. 

This was very deceitful from teh beginning, they should NOT have offered me the " promo at 8.99 % for mychase loan " at ALL, since i was duped into paying off it first. 

I feel extremely mislead and duped and now in a horrible situation
Product: Debt collection

Creditor Name HUNTER WARFIELD INC Account No. XXXX Original Creditor XXXX XXXX XXXX Responsibility Individual Condition Derogatory Original Balance {$2100.00} Balance {$3100.00} Date Opened XXXX/XXXX/XXXX Date Reported XXXX/XXXX/XXXX Remarks Placed for collection They are trying to collect on a last month of rent for a place that was moved out to due BLACK MOLD, Broken garbage disposal and kept back flowing into the dishwasher/clean dishes so I was force to hand wash all dishes and the outside of my door was graphittied with a XXXX which was not taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. There were three credit cards opened under my legal name and has impaired my credit file. I have made several attempts to get this matter resolved with the creditors. However, they keep denying my fraud claim because of the age of the account. I have reported this to all three credit bureaus. I have filed several Identity Theft Reports with the FTC. This matter needs to be resolved because my credit report is damaged. 

The following accounts are in question : Capital One Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020, without prior warning or any direct subsequent notice, JP Morgan Chase arbitrarily lowered my credit limit on my Chase Amazon Visa credit card ending in XXXX by {$4500.00}! I only discovered that instead of a credit limit of {$11000.00}, my credit limit had been lowered to {$7000.00} when I accessed my account online to make a payment. This unwarranted credit limit reduction by Chase increased my balance from 57 % of my credit limit on this card to 95 % which left me with only {$400.00} available creditgreatly exacerbating the high credit-to-debt ratio that Chase claimed to be its main reason for the credit limit reduction! 

Furthermore, I not only use this card for several automatic recurring payments that would have exceeded my credit limit had they been processed before I discovered my credit limit reduction, it necessitated cancellation of recording studio time I had booked in the Spring to complete a project that I had to postpone due to the CPVID-19 Pandemic. 

I have never missed a payment on this credit card since I opened the account in XXXX, and I pay more than the minimum every month ; I have also reduced my high balance to XXXX several times. I have never heard of anyone having their credit limit reduced, let alone someone with such an exemplary payment history. 

Chase alleges that I am a valued customer, yet I am not sufficiently valued to be advised by Chase that it might have an issue with my use of credit. When I called Chase to protest, the representative with whom I spoke said my record with Chase is irrelevant if my credit is not well-managedwhich, of course, is an entirely subjective, arcane, capricious, and secret, formula to which I could not possibly hope to conform if Chase refuses to share its concerns with me in time to take some sort of remedial action to pre-empt a severely punitive action such as this one. Had Chase provided me with a guide that advises me exactly what it considers well-managed and instructions as to how to correlate that with my credit report, I would have been able to avoid running afoul of the Chase credit monitoring. 

As it stands, this unwarranted action by Chase has made it nearly impossible to significantly reduce my credit-to-debt ratio in the foreseeable future and has also lowered my FICO score to the point that I could not lease an apartment today if I needed to do so. Unfortunately, it is now likely that other credit card companies will follow suit and even further damage my credit score. 

This action by Chase was completely unwarranted and punitiveand high unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX  XXXX, XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I was given a fake check which I didnt know was fake when it was submitted to me I deposited it into my account I was told to send money to another state which at the time was one of those forgein scams my account then went into the negatives and I was forced to try to get my money back on my own. I originally answered an ad for a XXXX XXXX on XXXX and was targeted by a scammer and now Im out of XXXX. The fake check I was submitted was for XXXX which bounced my account when I sent XXXX dollars to Texas I contacted my bank for assistance on getting my money and they wont help me the cops wont file a report and Im out of money bills to pay and I work hard for my money I dont appreciate it being stolen Ill know better next time please assist me in getting my money back.
Product: Checking or savings account

I learned on XX/XX/25 that my home computer had become compromised with viruses. Shortly after, I had someone access me Bank of America account and make a series of fraudulent transactions, including using the XXXX service to send themselves cash. I filed a claim with BOA that day and froze the account. After BOA performed their investigation, which took the full 10 days ( any longer and they are forced to issue a temporary credit ), their analyst decided there was no fraud and denied my claim. We have lost over XXXX dollars from this cyber theft. They have not offered any support, have not contacted us during their investigation, and offered no info as to why they denied the claim. They also took zero proactive measures to protect me during this time. I had to address every fraudulent transaction as it happened. I have been a customer of theirs for over 14 years and I am disgusted that they are not willing to do right by us.
Product: Credit reporting or other personal consumer reports

I mailed a dispute letter to all three credit bureaus on XX/XX/2024 ( XXXX, XXXX, Experian ) with my utility bill, disputing items letter and my drivers license and I received the following reply only from Experian on XX/XX/2024 " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. '' When I called on XX/XX/2024, I was repeatedly asked to do the dispute over the phone. The first man hung up after I asked to speak to his manager. It took three calls to hopefully get my dispute moving forward. But I couldn't get any type of assurance ( like an email ) that my dispute was moving forward. 
Please address Experian intentionally stalling my dispute.
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. Im asking that you send your method of investigation, along with all records of who you spoke with, their business address, name and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update this account to PAID/NEVER late and send me a copy of my updated credit report regarding dates XXXXXXXX XXXX XXXXXXXX for account # XXXX, and dates XXXXXXXX XXXX  XXXX for account # XXXX, this should not be late send proof now. 

Also, please pass this along.

15 USC 1681s-2 ( F )
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 the XXXX, XXXX, Equifax to reinvestigate these accounts accounts : XXXXXXXX XXXX {$150.00} since XXXX. XXXX XXXX  {$80.00} since 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 1681i ( 5 ) they are supposed to modify accounts that isnt reporting correctly.

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 items of information, other then records of convictions of crimes which antedates the report by more then seven years.

Also they arent in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Vehicle loan or lease

My auto loan is through Toyota Financial Services. I wanted to pay the loan off early so I called TFS and spoke to a representative. I had increased what I thought was the final payment to equal the loan balance. The interest was zero percent so there were no penalties. I was assured that what I had done was correct. That payment was debited out of my checking account on XX/XX/2018, leaving a loan balance of XXXX. On XX/XX/2018, TFS took another {$500.00} out of my account. I called immediately and was assured the payment would be reversed and the {$500.00} would be returned to my account. After several days, I called again since nothing had been done. Once again, I received the same assurances and was told my account should be credited by Friday, XX/XX/2018. As of this morning, NOTHING had been done. I called again and was told, after a long 'on hold ' that a {$500.00} check would be sent. I told the rep I did not want a check, I want it returned to my account. Since my account is closed, that can't be done, even though two previous reps assured me it's what would be done. I asked the rep what would have happened if I didn't have surplus funds in my checking account, and their mistake would have caused NSF items. I got no answer. I also asked for overnight mail service, but was told that wouldn't be happening. I am totally dissatisfied with every person I spoke with, and with TFS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and sent disputes for something that has adversely affected my credit. A XXXX XXXX ( 2nd time they gave a credit card in my name out without my actual authorization, in XXXX credit card. I called XXXX and they said it was XXXX Bank again. I did not ever authorize this. I only have 1 credit card and have never been late on it.
Product: Debt collection

my vehicle was repossessed spring of 2017 on a Thursday evening around XXXX I was headed to a late evening meeting and the repo truck meet me behind the vehicle they were taking. I began to get my things out of the car and they began to get very aggressive both verbally and physically. I put my key into the ignition so that I could put the car in neutral for them. As I put the key in the ignition the repo truck operator grabbed my hand and yelled at his partner " I got him key get the key get the key ''. as he squeezed my hand and snatched the key out of my hand. This was a breach of peace. in regards to the debt owed I never received a letter stating my debt I moved from my old apartment. the only way I found out about this debt is because I was contacted by my grandmother who lives in XXXX Ohio and she said that I was being sued I drove to XXXX to take care of it however im not sure how they even obtained her address but I live in Indiana the entire time even when the loan was originated but they're suing me in Ohio for a unverified amount of money that I was not even aware that I had the right to dispute. I contacted Automotive credit Corporation about the debt owed and they said that they would not discussed the debt any further unless they speak to an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT HAS BEEN AFFECTING MY CREDIT SCORE. THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT FILE ; I WOULD LIKE A RE-INVESTIGATION INTO THOSE ACCOUNTS AND HAVE THEM OFF MY CREDIT REPORT.
Product: Vehicle loan or lease

Today my car was repossessed for a second time, even though the account was brought current and monthly payments have been made. My issues began with this account after the initial XXXX occurred on XX/XX/2022, in which I was given 21 days ( XX/XX/XXXX ) to pay the amount of {$2300.00}. The payment also included my next monthly payment. After the payment was successfully made on Friday, XX/XX/2022, the vehicle was returned to me. Subsequently, two additional monthly payments were made and both were posted to my bank account on XX/XX/XXXX and then XX/XX/XXXX. There have been problems when trying to reach customer service by phone. Due to the phone system experiencing system difficulties, I'm unable to reach anyone directly for assistance. This vehicle is my family 's only means of transportation and has caused me a great deal of inconvenience with it being repossessed again.