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

I had a Chase Sapphire card with Chase since XXXX. We had over XXXX travel points my wife and I were planning to transfer to a third party site to book a hotel for our upcoming XXXX  trip ( XX/XX/XXXX ). On XX/XX/XXXX, I was told by a Chase representative we need a Chase Reserve Sapphire or Chase XXXX Sapphire card, as opposed to by standard Chase Sapphire account, in order to transfer the points to the third party site. The Chase representative told me she could covert my standard Sapphire account to a XXXX, but she could not honor the new customer XXXX point bonus offered by Chase. I was told that if i closed my Sapphire account, though, I could apply for the XXXX or Reserve Sapphire accounts. I did and was denied credit due to an existing " Sapphire '' account. I called back and was told by another representative that I would have to wait 24 hours for the old Sapphire account to be removed. I waited and reapplied, but was denied credit for the same reason ( existing Sapphire account, which now showed " closed '' under my XXXX account ). I called again today, XX/XX/XXXX and was told I had to wait XXXX business day after my account was closed. Since it was one business day, I went ahead and reapplied. This time I was denied because I applied for credit too many times. I called Chase again and requested a XXXX who said he would file a " formal '' complaint on my behalf. Nevertheless, that was his only remedy since he could not reopen my old Sapphire account and/or covert it to a XXXX XXXX account. I was told I have to wait 45 days, not 24 hours or 1 business day. I was told different information by several Chase representatives, which now jeopardizes our XXXX  trip that we needed to points to book at the hotel we were planning to stay at. At this rate, in 35 days I will undoubtedly be unable to secure the hotel room or even inferior hotels with out hard earned points based upon the bogus information I received. I would like additonal help in this situation as Chase appears unable to help.
Product: Credit reporting or other personal consumer reports

I do not consent to e-OSCAR verification and want an actual living human being to read this complaint. I will have my marked-up consumer report attached below in reference to my federal consumer rights being violated by the XXXX XXXX XXXX reporting . Every circled furnishing attached below is a violation to my federal consumer rights and each furnishing violates the Privacy Act of 1974, 15 USC 681, 15 USC 1681e, 15 USC 1681b, 15 USC 1681n, and 15 USC 1681a. My invoice for actual damages and violations will be attached also.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ALONG WITH XXXX XXXX XXXX AND XXXX ACCOUNTS WHEN APPLIED FOR PULLED 4 REPORTS, XXXX, XXXX, EQUIFAX AND XXXX AND AS A RESULT REPORT TO XXXX TOO.
Product: Student loan

I am no longer in school, I am now in repayment. I called my lender about a repayment plan because they say on the website that if you 're having troubles repaying, call this number. I talked to the CS rep and she basically told me that I could n't get any repayment plan, even though I 've told her that I 'm experiencing hardships, because my co-signer may not be. When I told her that they were having troubles as well, she responded with, " we do n't know that. '' Why would I lie about something like this? I want to be rid of these people as soon as possible. This is the only lender who even brings the co-signer into the equation. 
First off, I did n't even sign a loan with them, because I know how they treat their customers and I did n't want to be stuck with them, but it was sold to them anyway. Then I asked her about repayment and the first words out of her mouth was you can try consolidation because we ca n't offer any long term forbearance options. I was n't even asking for long term options, I only needed about three months! I understand that they are n't governed by Federal laws but to completely ignore the needs of your customers is simply wrong. I would like to know how I can get my loan transferred somewhere else or learn of the regulations of private loan lenders because I feel that they are n't doing the very best that they can to help their customers.
Product: Credit reporting or other personal consumer reports

I recently disputed the information showing late payments because it was affecting me from getting housing. However I have been XXXX days late due to recent separation/divorce. Now Santander Consumer is reporting that I have missed payments all the way back from XX/XX/XXXX. This information is inaccurate. And I would like for the inaccurate information to be removed. I have proof that I havent missed payments since XX/XX/XXXX. I will reach out to my bank to get proof of payments from XX/XX/XXXX to XXXX XXXX. I will attach XXXX till now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I scheduled an appointment with an auto dealership to discuss the possibility of leasing a vehicle. The salesperson requested I complete the credit app in advance but ensured me he would not run my credit until the appointment. The morning of the appointment, I cancelled the appointment & requested he shred the credit app. Then, I received notification that the salesperson dishonestly ran my credit the day before the appointment.
Product: Credit card

I paid off in full my PayPal Mastercard on XX/XX/XXXX, 5 days prior to the due date of XX/XX/XXXX. I also closed the account. NOW I receive another bill stating an amount due for interest?? This is ridiculous. I called PayPal and they said if I dont pay it my credit will be affected. I will have to pay but I want the funds reimbursed to me, this is fraud.
Product: Credit card or prepaid card

I initiated a dispute with Wells Fargo credit card ending in XXXX on XX/XX/2019 for {$27.00} from a coffee shop at the airport of XXXX XXXX. I got some food and it was damaged or defective. As a result I got XXXX XXXX and XXXX. Since in XXXX XXXX is not unusual for contaminated food to be sold or for people to be sick, I went to the doctor on XX/XX/2019 to check to make sure I did not have a virus. On XX/XX/2019 I got a letter stating my dispute had been declined because is believed to be a " tort claim ''. I called back on XX/XX/2019 and requested to speak to reopen dispute. I spoke to several reps but all denied my requests. One rep told me to send a letter from a doctor showing that I went to get some attention from a doctor and to explain in a letter what had happened. I sent the documents same day XX/XX/2019 by email and never heard back from Wells Fargo again. Today XX/XX/2019 I called to check the status and I was told the dispute was never reopened and that they had gotten my email with paperwork. I spoke to a supervisor XXXX and she did not give me any options to appeal the decision or of my rights for a dispute. I also was never given any options by mail or course of action to take for a declined dispute and what to do. I told XXXX that if my dispute was not reopened and resolved that I would close my account and file a complaint. I also mentioned to her that I believe the dispute department tried to deny me my dispute and used as an excuse " tort claim '' to deny my claim without any explanation or substantial evidence. Please see all letters supporting my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX  XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX  XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, TransUnion, and XXXX  XXXX XXXX with no successful resolution. XXXX, and TransUnion reporting me 30 days late on XX/XX/2020. There was an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several letters out to XXXX, Transunion, and XXXX regarding the reporting of inaccurate information reported on my credit report and the impact it has on my ability to help my family. Tracking number numbers : XXXX - XXXX Transunion - XXXX XXXX - XXXX However, the credit bureaus said they completed the investigation, and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; roles of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates, of the consumer, reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 

How did they complete this investigation?
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a Class A tractor-trailer driving position with a contractor for XX/XX/XXXX. First Advantage ran the background screening and, when finished, submitted a report with incorrect driving information to the contractor and XX/XX/XXXXthat caused me to not get the job. A previous employer submitted correct information to the XXXX driver database, but First Advantage took the info and entered it incorrectly into their system saying I hadn't driven a tractor-trailer for that particular previous employer.
Product: Mortgage

Here is the records from XXXX XXXX Note Date:XX/XX/XXXX2006 XXXX XXXX XXXX, XXXX. 
XXXX XXXX, CA XXXX Note Date:XX/XX/XXXX2006 Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX, UT Apparently Select Portfolio Servicing , Inc. transferred a monetary instrument belonging to me to another institution on XXXX/XXXX/2006. However, after this date Select Portfolio Servicing, Inc. continued to demand payments from XXXX XXXX. This sure sounds and looks like fraud. 

How is this possible? What can Select Portfolio Servicing XXXX Inc. say to explain this fraud?
Product: Credit reporting or other personal consumer reports

I have not authorized the following inquires and I need these items removed immediately from my XXXX, Transunion aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Ask Discover Card for a settlement however they couldn't come up with a solution for me. I only received SSA and that very limited income. 


Also, I would like to know when it was charge off, age of the account on company letter head. 

If its collectible would like to know what settlement offers available.
Product: Payday loan, title loan, or personal loan

XX/XX/2019 called my office of employment 3 times stating it was an emergency and needed to speak with me XX/XX/2019 called my office of employment 3 times stating it was an emergency and trying to speak with me XX/XX/2019 called my office of employment twice stating it was an emergency and needed to speak with me
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. 


XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX & XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Checking or savings account

I got a fraud alert from navy federal credit union. I checked my account and immediately saw hundreds of dollars of transactions for XXXX XXXX. I disputed the charges and my claim was denied. I appealed the decision and asked why it was denied. The only information theyre willing to provide is discrepancies. I dont own an XXXX. Furthermore I contacted XXXX and they are claiming that these charges dont even exist. Navy federal is completely unwilling to even discuss the matter with me.
Product: Credit reporting or other personal consumer reports

looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XX/XX/2023 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledae of errors.

According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too.

Can you fix
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a XXXX XXXX  violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

See attatched Equifax Credit Report by XXXX XXXX. See attatched XXXX  Letters of Collection card # 1 XXXX XX/XX/XXXX, card # 2 XXXX XX/XX/XXXX, card # 3 XXXX XX/XX/XXXX. Kindly Note many replacement cards AFTER CALLING REPORTING FRAUD a new card was issued. Three different cards each provided each month I called to report. NOTE XXXX Provided NO ACCESS due to my XXXX   XXXX. I HAD NO OTHER OPTIONS XX/XX/XXXX. See attatched FTC ID THEFT case XXXX dated XX/XX/XXXX. XXXX  NO ACCESS NOT XXXX COMPLIANT. See attatched MAIL FRAUD DOCUMENTATION Criminal Investigation United States Postal Inspection XX/XX/XXXX Deliveries Not Made USPS. See attatched XX/XX/XXXX NOTE A DIFFERENT card # 4 CARD REPLACED DUE TO CALLS OF REPORT OF FRAUD.card XXXX NOTE ** Transactions Not eligible for credit NOT REPORTED TIMELY. OVER {$2000.00} NOTE months dates on letter ARE NOT PAST 60 DAYS. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX NOT PAST 60 DAYS. See attatched STATUES FOR ID THEFT. XXXX  Violates Federal Laws. XXXX  denied my claims and now wants to collect. My credit destroyed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third dispute. XXXX is still reporting inaccurate information to Transunion which is causing great financial hardship to me and my family. I submitted my initial dispute via the CFPB regarding this illegal reporting to my credit report on XX/XX/XXXX. on XX/XX/XXXX Transunion responded to my CFPB complaint stating that the account was " updated and verified ''. However, after further investigation into the matter, I have discovered that the Account Status has not been updated to " Account in Dispute ''. Failure to properly report is a violation of FCRA law. 

Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete. 

A proper investigation has not been conducted, it has been almost 60 days since the initial dispute and this is causing great hardship to my family. 

Please delete XXXX XXXX ( account XXXX ) from my credit profile as it has been illegally reporting negatively on my credit report for years now. 

I have attached a copy of my credit report proving that the " account status '' has not been updated to " account currently in dispute '' as per XXXX 's initial response. This is a violation. 

XXXX XXXX
Product: Credit reporting

Transunion is saying employer reported on XXXX XXXX. I havent worked since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, PayPal unexpectedly withdrew a total amount of XXXX EUR and {$880.00} USD from my account. Prior to this, PayPal had assured me that I could withdraw the funds after a XXXX holding period. However, once the holding period ended, instead of allowing me to access my money, they took it without any explanation
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 and XX/XX/18 Ally made two separate fraudulent hard inquiries to my XXXX  report. XXXX has instructed me to contact each company individually and address the fraud myself. Attaching police report filed relating to my identity theft. I have been unsuccessful in reaching Ally by phone.
Product: Money transfer, virtual currency, or money service

Last year my sister send me {$2000.00} from her chase account to my back of america account. my sister use my email address to send the money ; this email address was not register in my account. The money was deposit in a internal Bank of American Account. Now Bank of America do not want to return the money to chase. Every time i call, no one know how to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is past the 7 years mark and I want it remove. The debt wasnt sold, its been 7 year $ months to today XXXX XXXX XXXX XXXXXXXX XXXX {$7600.00}
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX Balance {$64.00} XXXX  XXXX XXXX Balance {$0.00}
Product: Checking or savings account

For the last 3 years my debit check card informaiton has been stolen and used to purchase items. My account is through Chase bank. While Chase is aware of the issue, I do not feel that they are taking any steps at all to fix the fraud problem. Chase typically reissues the money from the fraudulent transactions within 7-10 business days, sometimes they will refund my account sooner and sometimes they refund little bits at a time. The card is alwasy in my possession and has never been lost or stolen.

I am reaching out to you today b/c for the 3rd time this year-I have had my card compromised. I went to activate my replacement card yesterday but the bank lady said it was already active and there were already charges using the new card. I had just taken it out of the sealed envelope. I believe that the fraud is coming from within the Chase organization and is much larger of an issue than what Chase is reporting ( if they are even reporting this fraud-I cant be the only one dealing with this ongoing headache and fraud ) I am paid one time a month and I believe that this is known by whoever is frauding my account. The fact that I had charges and an activated card before I even opened the envelope should tell Chase representatives that there is a large issue. I have to keep changing all of my autopayments. My husband was a vet and I believe that this benefit payment that I receive is known and this is why the fraud happens each time I get paid ( 1x a month ).