23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Chase bank has unlawfully denied me and extension of my own credit which is clear discrimination as the law states It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction chase has not returned the application nor honored the approval as Ive been anticipating correspondence from an internal investigation by employee XXXX. Attached is proof of adverse actions taken in contrary to the law which backs the defense against discrimination when credit is the only means since no lawful money exists per HJR 192. Chase has practiced unfair and deceptive practices and this is my second attempt to find an amicable be resolution. Because the reasoning left in the correspondence of why I was denied simply explain nothing that substantiates the defamation of character employer XXXX stated she was denying me because I owed XXXX in child support which I have rec as well as recorded on their monitored and recorded line relief sought as follows :
Product: Credit card

I did not recognize a credit card charge and disputed the charge. I received a letter informing me that the charge is valid, without additional detail on who the merchant was. 

I still do not recognize the vendor and still do not know what this charge was for. 

The charge is only {$5.00} but if this is because a hacker is siphoning off a few dollars off of everyone, then it still deserves to be investigated.
Product: Credit card or prepaid card

Last month, I changed my bank account on my Elan Financial Services credit card. I have had autopay setup for a year or more and simply changed the account associated with the autopay . Elan skipped  my autopay on  XXXX , and I reached out to correct them on  XXXX  and they refused, despite it being their error. I repeatedly asked them to correct the autopay error, most recently today, and they refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

I am requesting that the reporting of this information be blocked and deleted. 
My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of trafficking. 

XXXX. XXXX XXXX CARD Date of inquiry : XX/XX/XXXX XXXX. Inquiry XXXX Date of inquiry : XX/XX/XXXX XXXX Credit Card XXXX XXXX BANK NA Account Number : XXXX Date opened : XX/XX/XXXX Date Closed : N/A XXXX Credit Card XXXX XXXX Account Number : XXXX Date opened : XX/XX/XXXX Date Closed : N/A XXXX. All Banks XXXX  Account Number : XXXX Date opened : XX/XX/XXXX Date Closed : N/A XXXX. All Banks XXXX  Account Number : XXXX Date opened : XX/XX/XXXX Date Closed : N/A XXXX Credit Card XXXX XXXX XXXX  Account Number : XXXX Date opened : XX/XX/XXXX Date Closed : N/A XXXX. Miscellaneous Department and Variety Stores XXXX Account Number : XXXX Date opened : XX/XX/XXXX Date Closed : N/A XXXX. Miscellaneous Department and XXXX XXXX XXXX XXXX  Account Number : Date opened : XX/XX/XXXX Date Closed : N/A Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX  Account : # XXXX, From : XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

On Saturday, XX/XX/2022, I was contacted via phone by a person who claimed he was representing US Bank & the phone number he called from was the true US Bank phone number. He indicated that there were ( XXXX ) charges scheduled to be taken out of my account within the next XXXX minutes and that if I wanted to stop them, I must act quickly. The payments ( {$900.00} ) + ( {$900.00} ) + ( {$700.00} ) were all shown as pending as XXXX money transfers. I do not use XXXX nor do I do this kind of money transaction... ever. 

He tricked me by saying that I need to transfer the funds back to my account using XXXX and assisted me in setting up how to use a XXXX account and walked me through the transfer process. He gave me an email address and phone number to transfer the funds to and I questioned this but he repeated that he was a US Bank representative and to check the phone number he was calling from ( XXXX ) - this is indeed the US Bank main phone number so I was inclined to trust him. 

He prompted me to enter my name, then an email address and a phone number. 
The email address he used was XXXX. 
The phone number he used was XXXX. 
Again I questioned this but was reassured that this was how to stop the money transfer. 

The next day ( XX/XX/2022 ) the funds from my account were gone and I realized that I had been scammed. I called US Bank at the same phone number but this time, talked to actual representatives of the bank. They confirmed that my funds were transferred and connected me with the fraud department. They are in the process of investigating this and I wish them well. It was not their fault I was scammed but I believed the scammer because he was using the US Bank phone number. 

I am elderly and this scam hurt me bad financially, but I have no one to blame but the scammer for doing this to me. I've filed a police report and will pray for the best.
Product: Debt collection

XXXX at XXXX NY XXXX is calling my place of employment over and over re a debt they say I owe LOANME INC. I verbally informed the rep to not contact me at work and she rudely and forcefully insisted she could and proceeded to call 2 more times getting me in trouble. I then faxed a cease and desist letter also and they still called 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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.

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

Recently I Disputed a XXXX XXXX  account with XXXX and Transunion regarding it not belonging to me. I received a generic response from Transunion saying they declined to block information I have identified for one of the following reasons : I made the request in error ( which I did not ), is misrepresentation of material fact ( which the fact is that this account was not authorized by me ), and I obtained possession of goods which is false, because there are no goods that were received.This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. At this point Transunion and XXXX continues to fail to do their job and refuses to correct information after being provided proof of inaccuracy. There has been absolutely no validation of this debt from either Transunion nor XXXX XXXX, and no proof what so ever that this account belongs to me. Per 1681a ( 2 ) ( B ) if a transaction was authorized by my social security card, the real credit card first defined understand the Truth in Lending Act, this transaction must be excluded from my consumer report. The only thing is that this alleged debt was not originated by my and no proof has been provided by Transunion nor XXXX XXXX.Notice, it is a fact. Transunion is aware, if there is an account which comes back verified pursuant to 15 U.S.Code 1681a ( e ) there must be an investigative report with the source of the report coming from interviews of family and friends and the results can not contain factual information. No such verification based on an investigative report exists. Please submit a certified copy of the existence of this report with a statement under penalty of perjury that this report was not altered or manufactured in any way. Without this information this is a violation of 15 U.S.Code 1681a ( e ) and the XXXX Account must be removed. This is my last warning before I seek civil and criminal charges for violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid Sterling Credit Group on or about XX/XX/2019 to repair my credit. I told the lady that I have 5 things that needed to be cleared from my credit. The five things are : XXXX XXXX ( 30 day late ), XXXX Mortgage ( 30 day late ), XXXX XXXX ( 5 30 day lates ). I also explained to her what I thought were other issues on my credit reports. I explained that my husband recently died and I had taken care of him when he was XXXX  XXXX and trying to live on one pay check since his illness. Thats why I had the 30 lates. I also told her that I have two 30 day lates for my current mortgage with XXXX XXXX and one 30 day late with XXXX XXXX XXXX XXXX credit card which neither had not showed up on my credit report yet. I pay my bills every month. I also told her that I made the payment to my XXXX XXXX XXXX XXXX credit card but they told me that I didn't pay the right amount. They said that my payment was {$12.00} short and so that meant that I didn't make a payment at all. As of this date, all of those same items that I reported day one is still on all of my credit reports although I was told that the items would be removed from my credit reports. I emailed every credit report I ever received from all bureaus. Recently when I talked to them, they didn't want to discuss the items still being on my credit reports but the NEW items that had be updated or removed. They didn't do anything to get items updated or removed. I also paid to become one of their credit repair sales agent in XX/XX/2019. I have a email confirming my payment for Sterling Credit Group agent from XXXX XXXX on XX/XX/2019. I want to be refunded in full for both the credit repair payments and the credit repair sales agent payments. This company tells you everything you want to hear including getting a personal call from the owner This company is a scam and fraud that takes their customers money but never deliver on what they say they are going to do.
Product: Credit card

I got myself involved with business opportunity fraud.Ipaid three companies XXXX, XXXX, and XXXX.I called Wells Fargo for help and received none.These companies did not render me the service i was promised.I told the bank I have no functional online business, no way to earn money, and ended up heavily in debt Wells Fargo seems to agree with these merchants without even contacting them.How is this fair? Me being the customer along with the bank should be able to ask these merchants for proof of what they did.Im out XXXX and the bank says to bad.These merchants should be put in jail for robbing the elderly.I was also told by the attorney general i had the right to dispute these charges as claims and defenses. What good are laws if the bank does not follow them.I do not feel i am asking the bank to do something there not suppose to do.
Product: Credit reporting or other personal consumer reports

I received my credit report onXX/XX/XXXX and notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) 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 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. I also asked for the original contract to be provided and it was not.
Product: Mortgage

I put in for hardship to see if i can lower my payments because my husband was in the hospital for 4 months without pay. So around XXXX XXXX i called my mortgage company ( phh ) to see what we can do. The gentlemen said we can motifity and hen I submitted all the information and waited one month for and answer I finally called them back and ask what as going on with the motification and the lady told me that we turn you down because that was not a hardship. then told me to go into forcloser.
Product: Credit card

Had a hard credit check out on my XXXX XXXX account. Someone has applied for a new chase credit card using my information.
Product: Mortgage

Summary : Rocket Mortgage promised they would be able to match a competitors quote for a mortgage loan, and over the course of several weeks transferred me between different brokers at the company without making good on their promise, to run out the clock before the Settlement/Closing Date so that I wouldn't switch lenders. At the last minute Rocket denied my request to match the competitors quote.
Product: Mortgage

We have been trying to get a loan modification from Shellppoint Mortgage since XXXX/XXXX/15 and Shellpoint is not being copperative at all and they keep changing the assigned representative handling the file and continue to ask for the same documents over and over.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a dispute with Experian regarding two XXXX XXXX XXXX loans opened in XXXX and XXXX respectively. These accounts were settled as a part of a Rehabilitation Agreement ( pursuant to the Higher Education Act of 1965, Section 464 ( h ) which was satisfied in XX/XX/XXXX. I provided documentation from the state of Michigan Department of the treasure that all student loan debt associated with my Social Security Number ( which includes XXXX XXXX XXXX ) were satisfied. I also provided documentation from the ombudsman at Federal Student Aid ( FSA ) under the Department of Education that the debt was discharged. 

Lastly, I spoke with a representative at Experian on XX/XX/XXXX to explain the circumstances of the debt and I was told by the representative that they would conduct a further investigation but she could not tell me what procedures they followed in my case ( i.e. requesting verification from the debt collector ) especially considering that they credit report was showing that I had made payments on the in the last 18 months. 

Experian sent it's last message stating that the disputed item had been verified on XX/XX/XXXX but has provided no information about how this information was verified nor did they indicate how they evaluated the documentation I provided. 

The document from the State of Michigan Department of the Treasury was password protected by the State of Michigan -- the password for file " XXXX '' is XXXX.
Product: Student loan

34 CFR 682.215 - 682.215 ( e ) ( 3 ) Income-based repayment plan ( " IBR Plan '' ) requires notification of the annual recertification deadline. The lender, Access Group, never once sent me the recertification notice since I enrolled in the program in XXXX. As a result, in XXXX, I missed the unknown deadline by a few days and more than {$60000.00} was capitalized into my student loan. I also just now discovered that the same thing happened around XXXX for around {$8000.00} after I also apparently missed a deadline. Access Group never provided me with the terms of the IBR Plan when I signed up, and it failed to warn me of the draconian consequences of missing the IBR recertification deadline by even one day. To date, I have never been given a due date for the annual recertification deadline -- even with the new loan servicer, which at least has sent warning letters. There must be other similarly situated persons. The loan servicer in XXXX was XXXX XXXX XXXX XXXX XXXX, but they have since folded, so I can't contact them. Previously, it was XXXX. I have complained to XXXX  ( Access Group 's company ) and filed a lawsuit, but they lied and said I was sent a 90-day warning letter in XXXX. XXXX provided a blank form without my name and address as evidence ( ATTACHED ), but they refused to " authenticate '' the alleged letter as genuine in the lawsuit. However, even if they had sent me that warning, the form still did NOT contain an actual deadline to recertify, as required in the above-stated federal regulation. Again, Access Group NEVER sent me the annual notification letter for any year I've been in the IBR Plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX CFPB In XXXX of XXXX, I logged in to XXXX to request a credit report. I filled out the name, address, date of birth and social security number and then clicked on the Equifax icon to be sent to its website. To access the report, I had to provide personal information and answer questions based on the information in my credit report. ( See attachments A & B as downloaded from their website ). After clicking on continue, the message returned that Online delivery unavailable. I had been getting online delivery from XXXX but since then this same message would appear. In XXXX, I sent a letter to XXXX XXXX XXXX to request assistance. No response and no help. 
I called Equifax a number of times immediately to inquire the cause of the unavailability of the online request. They would offer the report but no assistance on why it is not available online. They sent the report ( See attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX ) You will note that no answer in the up front questions is contrary to the credit report. On XXXX XXXX, XXXX, I requested via the letter to Equifax Dispute Resolution department as suggested by the customer support group ( see attachment P ). There was no response but I found out in a call to XXXX XXXX XXXX XXXX on XXXX that a copy of the letter is in my file on their computer. 
Each time I call them, they offer me another copy of the credit report but refuse to connect me with someone that can fix the problem of online access. 
Attached is also a copy of a letter I sent in XXXX with no response from any one ( See attachment Q ). 
Thank you for any assistance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have never had an account with Capital One Bank USA NA yet they fraudulently opened an account in my name and have been having XXXX of their other subsidiaries, Capital One Services LLC send me payment notices. I have spoken with and written to them yet they persist.
Product: Credit reporting or other personal consumer reports

I contacted XXXX via mail requesting that they research a tremendous error in my credit score reporting. XX/XX/XXXX  my credit score was XXXX ( reference XXXX report # XXXX ) and as of XX/XX/XXXX  my credit score dropped to XXXX which is a decrease of almost 99 points. I have not applied for any new credit, my amount of debit is still the same, there are no late payments or collections. My credit activities have been consistent over the last few years. 

I'm requesting research to find the root cause of my credit score decrease and resolve the issue to correct this error immediately.
Product: Credit card

Hello USBank, When I applied for the US Bank XXXX card a year ago, the promotional and features as part of the card was to get {$30.00} dollars back when completing 11 months of a merchant entertainment category purchase. I have used XXXX to complete 12 consecutive monthly payments, and when called and asked where the credit is, the supervisor refused to file a claim and told me to wait. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm a survivor of wholesale fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another credit and these mistakes are causing an issue with my XXXX ratings detailing appropriately, so any assist you with canning give me with refreshing this data quickly would be extremely valuable. We are hoping to purchase a house. Kindly assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX, Transunion, and XXXX to reinvestigate these accounts. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 isn't reporting correctly.

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

15 U.S.C 1681 section 604 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 my 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.