23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts included in this FTC 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 XXXX  years.
Product: Credit card or prepaid card

On XX/XX/2023 I tried to make a payment to my Capital One account, however i'm being prevented from accessing my account by a 2-step authentication process that has started this month. 
i have been making payment via my home computer and only my home computer for years with the same ip address, for years. 
i have called Capital One and have not gotten a satisfactory response. And I have to give them my cell phone number to get a code or have a phone call placed to me. the issue is I DONT GIVE OUT MY CELL PHONE NUMBER TO MY BANK, MY CREDIT CARDS OR ANYONE I DON'T WANT TO HAVE SAID CELL PHONE NUMBER. 
ALSO THIS IS A FORM OF DISCRIMINATION BASED ON THE FACT THAT THEY ( CAPITAL ONE ) THINKS I'M USING A MAJOR CELL CARRIER SO THEY CAN CROSS REFRENCE MY CELL PHONE NUMBER. THERE IS NO OPTION TO GET A CODE VIA MY EMAIL ADDRESS. 
I had to pay over the phone, however I should not have to do this every month.
Product: Credit card or prepaid card

I was flying from XXXX XXXX to Washington DC, using travel points earned through my Chase Sapphire Reserve Card, booked for Sunday XX/XX/2019. I found out about 8 hours before my flight, that it had been canceled in XXXX. Chase failed to notify me of this, and did not provide the airline my contact information, so they could not notify me. From what I understand, this failure to notify me is illegal. 

I tried to book new flights through Chase, but their international travel help line hung up on me several times on XX/XX/XXXX. I ended up getting alternate flights through the airline. However, instead of a direct flight with 5 hours of travel time ( which I paid a {$200.00} premium for ), I had a layover, landed in a different airport than intended, and had a 15 hour travel day.

I submitted a claim request to Chase for reimbursement for the premium I paid for this flight, extra cab fare ( my new flight landed after the metro closed ),  extra meals, and my time. However, Chase responded to me on XX/XX/XXXX and told me they would not do anything to fix the situation. Thus, I am reaching out to the CFPB. 

Thanks!
Product: Credit card or prepaid card

On XX/XX/2020 I applied for a secured credit card offer that was sent to me in the mail. I went into my local Bank Of America branch in XXXX XXXX Md located XXXX XXXX XXXX XXXX. I meet with relationship manager XXXX XXXX XXXX and applied for said secured card ( I had the offer letter with me ). I signed all documents and cleared Bank Of America to take {$300.00} from my checking account for the secured card deposit. XXXX XXXX who was very helpful in doing her part, expedited the process so that I would receive the card in the mail on that following Monday XXXX, I was happy to hear from her that I would receive the card on my birthday. As I waited I never received the card or heard back in any form from Bank Of America regarding the card. I later called Bank Of America by phone several times for them to tell me that they did not know why I had not received the card. And that i should contact the local Branch that I submitted my application. So I went back into the branch to speak with XXXX who was unable to find out anything. Two weeks go bye and XXXX 's supervisor XXXX gives me a number to call XXXX to speak with a rep from Bank Of America. I call them and they tell me they denied me and sent me out a letter in the mail on XX/XX/2020. No letter was sent out to inform me of anything. I actually have a service through USPS delivery daily digest set  up so that I received photos of every piece of mail that comes to my address. Which will confirm that Bank Of America never sent me any notice of a denial or approval for the secured card that they offered me. This is a violation of unfair practices on behalf of Bank Of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I began to dispute accounts on my credit report as included in my Chapter XXXX. Most of my accounts were updated properly however, I continued to have a few accounts that were not corrected. One account, in particular, would not update correctly as included in bankruptcy. It continued to update as a collection account after filing bankruptcy. I filed Chapter XXXX on XX/XX/XXXX. As of today, XXXX XXXX is included in the bankruptcy and the account is closed. However the reporting is still incorrect, the date on the report reflects as a recent status update and is incorrect. All of my other tradelines are reporting correctly and the activity date never changed but this one did and is report erroneous. Please change the activity date back to the original date of bankruptcy filing. The date on my report is incorrect as it was not a collection account at the time of that update.
Product: Vehicle loan or lease

Drivetime has furnished an account on my credit report without providing any evidence of me giving them consent to do so is in clear violation. I have tried several times to dispute this issue and nothing was sent to me. I am also aware of my right to privacy under the FCRA. I would like this account to be deleted immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Reporting Act XXXX Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 602 A States I have a 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: Credit reporting, credit repair services, or other personal consumer reports

Additional items need to be removed.
Product: Money transfer, virtual currency, or money service

I was notified of involvement in a data leak. Then, on XX/XX/XXXX, a scammer used personal information and a spoofed wells fargo phone number to convince me of fraudulent accounts being opened in my name. Transferring me to another number and Impersonating bank and XXXX officials using some stolen data, they scammed me for XXXX. XXXX presents itself as a safer payment option and its association with major banks is why I chose to use it over XXXX and XXXX. I filed a complaint / claim with chase and was told over the phone that 1. ) compensation was possible for bank impostor scams and 2. ) XXXX was actually involved in MORE scams than the other payment options for her department. This phone call was presumably recorded and is accessible for confirmation that I was told this. On XX/XX/XXXX, I followed up with this : " Hello. I contacted your fraud claims department yesterday about a XXXX bank imposter scam. The scammer payment in question was placed under " pending '' and I was told that I would be contacted via email regarding next steps. 
However, there is no active claim open to check online, no email in my inbox either. I called twice today to check on this, and was placed on hold twice for XXXX minutes each time before being disconnected. I was told reimbursement was possible, and I know that certain qualifying bank imposter scams are eligible for that. Please contact me ASAP to let me know why there is no claim active, why the payment is no longer marked pending, and whether or not any investigation is ongoing. Unfortunately, if this matter isn't resolved, i will be closing my Chase checking account. I only used XXXX XXXX and no other payment app ) because I thought affiliation with Chase made it more secure. Please call me at XXXX email me ASAP to update me on the status of the claim I filed over the phone yesterday afternoon. Thank you. " Hi. This is in reference to my previous message in which I informed you of an banking imposter scam. The scammers are trying to contact me again today from this phone number : XXXX - XXXX XXXX - XXXX. Hopefully this is helpful if you do commence an investigation at some point. 


Received notice that investigation was closed. XX/XX/XXXX, they mailed me a notice that the investigation was closed. They ignored my contact preferences and did not leave a voicemail or email me. They told me that they would make no changes to the account, either.
Product: Bank account or service

Back in 2007, Chase Bank enticed consumers with an add that, basically offered {$200.00} in bonus cash if we had our payroll checks deposited electronically through them, and opened XXXX accounts with them. I did, but before I caught on to their scam, it ended up costing me hundreds of dollars! They started cashing checks that I would write, in the order of the largest check 1st, so all other checks written that day would bounce, if there were n't sufficient funds! This went on for a while before I caught on! Eventually, over {$600.00} disappeared! When confronted with the problem, they told me it was there company policy to only refund XXXX of the fees!!! If you do this to XXXX people, you can rake in XXXX, before you 're caught!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase recently reviewed my credit card account and reduced the credit limit to {$2000.00} over the phone. This review was done on XX/XX/XXXX. 

Their reasoning was that my revolving credit account balances were too high based on an XXXX credit report they pulled. I logged onto my XXXX  account and pulled the latest report they have on file. On that file, it mentions that my revolving credit was at 16 % of my overall credit limits on credit card accounts. I escalated this to their management team and they refused to budge or wait for an updated report on their end. I asked them to delay this review for a month so that they could have a more up to date report on their end. In particular, balances on my XXXX XXXX ( from XXXX XXXX ) are highly overstated since they haven't reported last month 's information yet. I made a purchase with the card in XXXX that I cancelled shortly after and the balance on the card now stands at {$210.00}, which is under 30 % of the limit I have for them. 

Even with this overstatement, the credit report lists my credit usage at only 16 %. 
I find this to be predatory behavior. I have made moves to raise my credit score and Chase 's move simply serves to hurt my score based on errant information. I have attached copies of my XXXX  report ( that they used ) along with screen shots of what I see on my XXXX XXXX account ( with the other two credit bureaus ). All three credit bureaus are reporting 15-16 % usage, which is not " high revolving usage '' as Chase claims. 

The reasoning they are using to reduce my credit limit is incorrect. I dispute their assessment.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXXXX. ~ XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

On XX/XX/XXXX, I activated a new Direct Express card to receive my Social Security benefits. The next day, I found out that I was unable to pay bills with it. Ironically, all money is still there. I have called Direct Express and was put on hold for half an hour. After that, I decided to hang up.
Product: Credit reporting or other personal consumer reports

i have reached out to transunion several times and have not been able to reach a resolution. There are several inquiries reporting that dont belong to me. i was advised to provide a FTC which i did. However, transunion said they never recieved it? So I have attached it below and im asking for a removal of the inquriries as well as the fraudelent account XXXX XXXX. 
Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Comenity Capital Bank refused to credit my account for the proper date and charged me a late fee when there website wouldnt take my payment. I never pay my credit card late. Had to pay over the phone and women told me it wasnt their problem even tho website would work. I even tried with her on the phone and didnt work. Spent 45 minutes trying to get it to work. Then she tells me its over XXXX now so they have change date and charge me a late fee. Basically trying to steal from me to increase cash flow.
Product: Consumer Loan

I paid off the Loan yesterday XXXX/XXXX/2016 and today I when I look at my bank account I find that they took the pay off payment twice. When I called them I was told that I set it up to pay if off twice. Which I did not do. I was told that it could take 10 to 14 days to get the overpayment back. When I asked about all the overdraft charges I was told that they would not refund them as I 'm the one that set the payment up twice. When I asked to speak with a manager I was put on hold and then hung up on. I have tried calling 3 time this morning and have gotten nothing but the run around.
Product: Credit card or prepaid card

I received a Bluebird prepaid debit card that I never requested or applied for. The customer service phone number for Bluebird does not allow me to speak with a live person without activating the card. I do not want to activate the card. I am concerned that my identity has been compromised. I have placed a fraud alert on my credit report, but need to get this account closed.
Product: Mortgage

I have XXXX complaints to file with my XXXX loans which are serviced by Shell Point Mortgage. 
The constant misapplication of payments has caused me great suffering and great confusion. I am the managing memeber of XXXX. I also have been originating mortgage loans for 25 years. I have had loans with almost every servicer in existence over the last 25 years.
Product: Credit card or prepaid card

I am a hard-working, single mother, taking care of XXXX children. I live in XXXX, Ca. On XX/XX/2022, an unauthorized purchase was made in XXXX, Wa, in the amount of {$2500.00}. I contacted Chime to report this transaction as fraud. As I was on the phone with the representative to cancel my card, I received a text from Chime showing another unauthorized purchase was made in XXXX, Wa, in the amount of {$2000.00}. XXXX. I informed the representative that another purchase was made. He proceeds to cancel the card. He explains that I can't submit a dispute on these funds until the amounts settle on my account. He suggests I contact the merchant to see if they can reverse the transaction. I contact the merchant, they were no help. Once the amounts settled, I filed a dispute with Chime for these unauthorized transactions. They initially denied my claim, citing, " card in account holder 's possession ''. I submitted proof of my XXXX, Ca location at time of fraudulent purchases. I've submitted proof of purchases made in my XXXX, Ca neighborhood that were made minutes after the first unauthorized transaction, and minutes before the second unauthorized transaction. I believed they would see my actual purchase and conclude that if I have possession of my card, there's no way my card could be present in another state at the same time.They have denied my claim several times and I have appealed each denial. I've been going back and forth with them for six months now. I've submitted police report, I've submitted my location, I've submitted proof of purchases made in my California neighborhood in between the two fraudulent transactions, I've submitted my account transactions which show I have never made a purchase to this merchant nor in the state of Washington. This last denial, they submitted the purchase from the merchant which shows " card was present and pin was used ''. The same is true of the purchase I made in between the fraudulent transactions. If the card is present for both transactions and there is only one card, why are they not concluding this as fraud? This loss has caused financial turmoil in my life. I need this matter resolved.
Product: Credit reporting

we have paid off the XXXX ford truck I want it off my account and paid off XXXX XXXX get it off my account and XXXX XXXX was a terriable place to live XXXX next door to us fighing I called the drug enforcement took 5 months to get something done I feared my life and to many fires at XXXX XXXX and the one owner no longers owns it I want wwant it all taken off this is not fair the truck was sold at a action and after it was sold we owed nothing we got money back take part XXXX off and the ford truck and XXXX XXXX I pd XXXX XXXX in full get it off my credit ... ... ... ... ... ... ... ... ... ... ... ..
Product: Debt collection

I just pulled my credit and noticed there was a collection account listed on XXXX and XXXX for XXXX XXXX XXXX. This original debt belonged to XXXX XXXX which is a cable company. 

I moved from my apartment to a house in XX/XX/2017. I could not transfer the service because they did not provide service at my new residence. When I cancelled I had equipment I needed to hand in and I had a final bill. I went to their XXXX, VA store and dropped of the equipment. I told them I wanted to pay my final bill as well but the representative told me he could not tell me how much was owed since the equipment was still showing on the bill. He advised me that they would send me a final bill and I provided him with my new address which he appeared to enter into the system. 

I never received a bill and quite honestly, I completely forgot about it. My mail is forwarded from my previous address so even if they did not properly update my new address, I still should have received the forwarded mail. 

To date, I have never received a final bill from XXXX XXXX and I have never received ANY correspondence or phone calls from XXXX XXXX XXXX. 
Do I owe the debt? Yes! Will I call the cable company and pay it? Yes! BUT, I should not have this reported on my credit report when I did not receive a final bill and never received any correspondence or any communication of any kind from the collection agency.
Product: Bank account or service

I was trying to pay a bill with us banks mobile banking application. Upon completing the payment it always asks a security question. Today it asked a question which was not in the set of XXXX I had set for my self which resulted in my account being locked. This is a huge security hole if the questions can be changed by accident a hacker could easily do that to gain accesss to accounts. I have talked to many people who use usbank and this has happened to all of them. They refuse to acknowledge the problem so I do not know what to do aside from getting a new bank which I am.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Experian and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report concerning my account with XXXX XXXX, ending in XXXX. XXXX and TransUnion report indicates that the payment for the month of XXXX is 30 days late, which is incorrect. I have substantial evidence to support my claim and rectify this issue. 

The payment for XX/XX/2024 was due on the XXXX and was, in fact, made on XXXX. Furthermore, my XXXX payment was made on XX/XX/2024, and my XXXX payment on XX/XX/2024. 

XXXX and XXXX are reporting on time, why is XXXX reported late when all payments are due on the XXXX of each month. 

I have attached emails, payment confirmations, and bank statements highlighting each transaction for your review. These documents clearly demonstrate that all payments were made on time. 

Moreover, I received a notification that the funds were returned due to an alleged error on XXXX 's part. Upon verification with XXXX XXXX, my bank, it was confirmed that no payment request from XXXX had been received. I promptly notified XXXX of their error, providing screenshots of the available funds as evidence. Despite these actions, my credit report now reflects a 30-day delinquency for XX/XX/2024. I submitted the payment within 30 days and XXXX never retrieved the payment until I responded to the email. For there the payment was processed a day later. 

I kindly request that XXXX thoroughly investigate this matter and promptly remove the erroneous late payment from my credit report. The adverse impact on my credit score necessitates an urgent resolution of this issue. 

Thank you for your attention to this matter. Enclosed are the necessary documents to support my dispute. I trust in your ability to address this situation promptly and accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a issue with someone using my personal information I have several inquires that I never made from the following companies please delete the following INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have any loans or services with any of them. Errors please delete