23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX I mailed a Qualified Written Request by US Priority Mail ( # XXXX XXXX XXXX XXXX XXXX ) to Chase ( XXXX ), XXXX XXXX XXXX , XXXX, OH XXXX. The letter requested 1 ) a copy of the complete servicing file associated with the referenced account number ; 2 ) all correspondence and documents associated with the servicing of the referenced Credit Line Mortgage ; 3 ) all correspondence and documents associated with the servicing of the referenced Home Equity Line of Credit ( HELOC ) ; 4 ) complete accounting ledger ( s ) associated with the servicing of the referenced Credit Line Mortgage. Said QWR was confirmed as " Delivered '' on XXXX XXXX, 2016 and signed for by XXXX XXXX at XXXX. On XXXX XXXX, I faxed the QWR to Chase at XXXX at XXXX which was confirmed " OK ''. I received a letter from Chase dated XXXX XXXX, 2016 ( Reference Number XXXX ) indicating that " additional research time '' is needed " because we are still pending additional research to resolve your inquiry or request. We will have an answer or a status updated for you by XXXX XXXX, 2016. '' I received another letter dated XXXX XXXX, 2016 stating " We are writing to follow up on your recent request and inform you we need additional research time because we are still pending additional research to resolve your inquiry or request. We will have an answer or a status update for you by XXXX XXXX, 2016. '' As to today, XXXX XXXX, 2016, I have not received an answer or status update on this inquiry. The referenced account is noted in Chase documents as a " servicing account '' number for the mortgage and home equity line of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXXXX/XX/2020 XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX XXXX  XXXX  Experian XXXX XXXX  XXXX XXXX, TX XXXX  XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX. XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX/XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My old room mate used my credit to open accounts. These are not my accounts. Please remove these from my credit. Also if the credit reporting places do not handle my case correctly please include my in the lawsuit against them for failing to correctly process the dispute. Thank you.
Product: Payday loan

I received threatening phone calls from XXXX XXXX XXXX who is representing a client called Gateway. They told me that I owed on a {$300.00} loan back in XXXX 2015. Gateway states they did n't get paid back and they are charging me with fraud and writing a bad check. I do n't even know who these people are. I tried to explain that to XXXX XXXX XXXX and asked for Gateway 's number. They refused to give it to me. They had my SS #, business and personal phone # s but not the correct home address. They were threatening to contact my employer and make a visit to my home. They want to charge me over {$2000.00}. for this " so-called '' loan for {$300.00}. I went through all my bank statements for the year of 2015 and never did I receive {$300.00} in my bank. I asked why I never received any type of correspondence from Gateway. XXXX XXXX ( the debt collector for XXXX ) said that was not her problem and she was turning it over to the courts in XXXX County for lawsuit. Gateway and XXXX owe me an explanation for putting me through this horrible experience. I 'm ready to fight them in court because there is no way I ever dealt with them nor did I receive {$300.00} in my bank.
Product: Checking or savings account

On XX/XX/XXXX I tried to add my nationality in their mobile app as requested and instead of saving the correct one the nationality was not one I selected. I immediately contacted Wise through their app email and asked for help to correct the information. I uploaded my passport and driver 's license and did a video selfie as requested on XX/XX/XXXX and two more times after that and the information still has not been corrected. The last email on XX/XX/XXXX indicated my information had been received and would be updated in the next two days.

My information still has not been corrected almost two weeks after my initial request and not within the timeline they provided in their email responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all, I was not told the interest rate when the card was thrown on me, I was force to use it, when I wanted to pay for it, and when I got mail from them, the interest were to high, so I call them and told them my score wasn't right, which they said it was XXXX, and I know for a fact, that they would never give me a card, if it was low, because I apply for one, when it was it were over XXXX and they turn me down, so someone is lying, I need someone to look into this PLEASE I got the mail on XX/XX/2020 from XXXX 's that the day I talk
Product: Debt collection

A derogatory remark from " Springs Oak capital '' appeared on my credit report in XXXX XXXX. They claim that I owe them {$6400.00} which-unbeknownst to me-is borrowed money from their company. Obviously, this struck me as odd because not only have I never heard of Springs Oak capital before but also because I was completely unaware of any debt with them. 

I have repeatedly attempted to get in touch with the company for more information, but all my attempts have been fruitless. After doing some additional research on the company, I found out that they are not licensed to collect debt from people living in Florida. Consequently, I am requesting that you remove this item from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a membership with XXXX. XXXX recommends credit cards on my profile based on odds of approval. So I decided to try luck with Discovery Credit Card. They denied my applications but also did a hard inquiry which caused my credit to go down 10 points. I believe this practice is unfair and illegal, since XXXX is recommending for me to apply. Also, I believe Discovery should delete the hard inquiry on my Credit report and do a pre approval on customers so it does not affect them for a period of time. 

Thank you. 
XXXX XXXX XXXX
Product: Vehicle loan or lease

Ever since I got the auto loan XX/XX/year>, XXXX setup autopayments to be applied, and did an extra XXXX dollars to be applied towards my principal. 
To this day, they have not done any of that, the extra money I pay keeps getting applied towards the next payment and not towards the rpincipal, I have called them and the first time they told me I could not speak to them until reading my contract, and I have done so when I got the loan, after I called again, I established my identity and was able to discuss my loan with XXXX, due to the accent she had I was not able to fully understand her and went back and forward, I told her the website does not load, I have the phone app and it does not give mne the option to apply the extra amount to principal, she said I need to pay finance charges first, after explainig myself XXXX or more times, stating that I make extra payments every month, she said I could not do that. then put me on hold came back and gave me a speech about finance, at this point I am not sure if they are willing to help or not
Product: Checking or savings account

There is no timeframe mentioned on when a Deposit on Demand Account may be closed with a XXXX balance. Consumers should be informed that have to keep at least a balance ( whether it is {$0.00} or more ) before restricting services. Without this expressed in writing, I emptied my bank account on XX/XX/XXXX. My next direct deposit would XX/XX/XXXX. My account statement cycle ends on the XXXX business day of every month. 

On XX/XX/XXXX, I sent a payment of {$27.00} through XXXX to another account from my personal Regions Bank checking account. After I sent the XXXX payment, my account balance was XXXX. My direct deposit was not expected to be delivered into this account until XX/XX/XXXX. I have this account established solely in my name and the account is over 5 years. I was told on XX/XX/XXXX that XXXX account was not in an open status. 

XXXX, a personal banker from Regions XXXX by phone, said my account could not receive a XXXX payment of {$25.00} on XX/XX/XXXX. XXXX said my account status requires me to go into a Regions bank location or use my debit card at a ATM to deposit because I left my account at a XXXX balance. 

I asked XXXX to send me a copy of the deposit account agreement. She said she could not because Regions does not do that my phone. She transferred me to another personal banker named XXXX to further assist me. XXXX confirmed that Regions could not mail the Deposit Account Agreement by phone request. After looking at my online banking, I finally obtained the current copy of the Deposit Account Agreement. In it's 78 pages revised as of XX/XX/XXXX, no where in the agreement does it state Regions reserves the authority to " soft close '' my account because I emptied my funds.
Product: Debt collection

Our Mother, that passed away, had a loan, line of credit, with XXXX  XXXX XXXX that was sold to SLS Servicing Loans. 

Our mother loss her XXXX  ( source of income ) was in and out of the hospital before passing away in XXXX 2019. 

All of this happened in the span of 7 months. Back to back it was something and she failed to pay on that loan. 

When she. passed we took a month to process. We collected her bills and reached out to SLS to have the validate the debt. 

During this time they continued to send 3-4 letters with interested added while we had to submit paper word of being an executor of the estate. 

Then ocne we ere able to access her files they continue to send more letters and added more interest and still no proof of debt owed. 

When it was validated we then applied for Mortgage Loan Assistance to get our options and reduce the interest. 

They then sent an attempt to foreclose from a lawyer. 

During this time we had continued to find out by calling weekly about further documents need even when online it would state something else. Also every time we called it would be something different needed. They only way we would get status updates if we called or checked or mail which would also take long to receive. 


Now we logged into our account an our application is gone and more interest has been added. 

We are proactive in trying to settle this with no proper communication on what do moving forward. 

Not one person has been consistent in assisting us. If it was not for COVID19 we believe they would try to foreclose on us. 

We just want all fees and interest since her passing reduced.
Product: Credit card or prepaid card

[ in the prior section, I was forced to put something down, this was not related to closing an account, we never got that far .... ] XX/XX/2018 ( Phone call took place at XXXX XXXX. MST ) A Gentleman by the name of XXXX introduced himself to me as being with Capital One, and was keenly interested in transferring all of my EXTREMELY high credit card balances over to his rather modest 4.9 % credit card. When I explained to him that I don't have a credit card, and that I am currently on the National Do Not Call List, and asked to speak with his manager,  he promptly forwarded the call over to the FBI. 

Capital One calls me harassing me, nearly everyday ; and somedays they call 4 and 5 times. ( well not me personally, they'll speak with anyone who answers my phone, I don't think that they actually know my name, just my phone number ). They are playing hardball cold call phishing As I previously stated XXXX, forwarded my call over to the FBI, where I spoke with a gentleman who re-directed me to the CFPB to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter out XX/XX/XXXX to XXXX, XXXX, and Equifax. Here is my complaint id XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
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. 

Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX  XXXX Account NumberXXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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 card or prepaid card

On XX/XX/2018, I applied online and was approved for an American Express XXXX XXXX. Within 15 minutes of being approved for the card, I realized I had made a mistake. I had a promotional mailer from American Express that had been sent to me offering me XXXX bonus points, as opposed to the standard XXXX bonus points that are normally offered with the card. I immediately called American Express and spoke to a representative who assured me that as soon as my account was provisioned, I would be able to submit a request to retroactively fix the problem. I asked the representative if I needed to close this account and reopen a new account in order to claim the bonus, and I was told that was not necessary. 

I proceeded for the next 2 months to call American Express multiple times to try to get the issue resolved, or escalated, to no avail. They claimed that they had no record of extending this offer to me, even though I have in my possession a physical copy of the mailer with the RSVP code ( XXXX ), for which I've attached a scan. I was promised during my final call with American Express that this issue would be escalated to corporate, but I was never contacted again. The value of the XXXX points I was denied is over {$700.00}, and for a card with a yearly fee that nears {$500.00}, this is unacceptable. 

I could understand the denial had I not called American Express immediately after I was approved, but I called and spoke to a representative within minutes when I realized I hadn't been credited for the full bonus offer I had extended. I was willing to rescind my application and apply again with the proper RSVP code, but was told I didn't need to do that and that it would be possible to have this matter fixed retroactively. Instead, I received the runaround for months while trying to pursue this issue.
Product: Bank account or service

I have XXXX accounts that are not being used. First account is XXXX is a Preferred Credit line I have paid off and not used. Now I see I have been charged XXXX dollars I can only assume it is a " maintenance charge '' that I do not have a clue what they are maintaining. The second is a cash reserve credit line that I have't used for about a year. And now they have a annual fee of XXXX dollars. When I initiated this credit line I thought that they were benign until I activitated them again. Not so this is insidious and underhanded that I am hit with an XXXX dollar charge for not using these accounts.
Product: Credit card

DEAR THD/CBNA ; I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; XXXX AND XX/XX/XXXXXXXX XXXX
Product: Debt collection

I have received yet another bill from this company after I have repeatedly asked for a signed contract which has NOT been provided. I received a bill from them on XX/XX/2021 and I sent a validation letter on XX/XX/2021 asking yet again for an actually signed contract. Being that they were not able to provide it this collection must be removed.
Product: Debt collection

I have been checking my credit report because of hard inquiries that I did not authorize. On XXXX XXXX, my XXXX report suddenly had a debt collection for {$250.00}. I looked into this and saw that someone opened an account with XXXX XXXX XXXX and XXXX since XX/XX/XXXX XXXX This isn't me and I would like to have the debt removed from my credit reports. I tried to dispute it, but have now learned I need more information. I am attaching a police report from this summer. I was not aware of XXXX XXXX at that time. 

I am sending an identity theft letter to the following address : PROFESSIONAL DEBT ME XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Sorry for the scattered notes, but this is what I have from the phone call I made with PDM : XXXX XXXX - XXXX XXXX XXXX About Account - Professional Debt Mediation Send XXXX XXXX XXXX XXXX - XXXX - Subject - Fraud ( My account # ) XXXX and XXXX XXXX, FL and XXXX XXXX, FL XXXX ; XXXX ; XXXX ; XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Experian has denied my request to remove the account XXXX DEPT OF XXXX from my consumer report because they reported congressional findings as frivolous and irrelevant information. There is nothing frivolous and irrelevant about my right to privacy. In pursuant to 15usc1681 ( a ) ( 4 ) Experian is responsible for a consumers fairness, impartiality and respect for right to privacy in which they have violated. In pursuant to 15usc1681a ( d ) ( 2 ) ( a ) ( ii ) 3rd party corporations are excluded from my consumer report For Experian to call my statement as frivolous and irrelevant shows that they do not respect my consumer report and my credit worthiness which they are destroying my reputation. This information is inaccurate and unfair, which is a violation to in pursuant to 15usc1681 ( a ) ( 1 ) Inaccurate credit reporting impairs the banking system and unfair credit reporting gives me low confidence in this organization line of business. For proof of Experian allowing 3rd parties into my consumer report I have attached to complaint of the soft inquires of business that I was never aware about and never authorized. Pursuant to 15usc1681a ( d ) ( 2 ) ( i ) Experian was conducting transactions I was unaware and not notified about which is a violation of the law and my right to privacy. This is my consumer report I determine what goes on my consumer report and what does not. Pursuant to 15usc1681b ( a ) ( 1 ) I never gave written instructions for Experian to furnish my consumer report and there was no court order authorizing to furnish my consumer report which is a violation. Finally, in pursuant to 15usc1681a ( g ) Experian has refused to give me the file with all the transactions conducted in my consumer report which is unfair, transactions involving all inquires and accounts involving XXXX DEPT OF XXXX account. I want the account XXXX DEPT OF XXXX REMOVED FROM MY CONSUMER REPORT FOR IT IS DESTROYING MY CREDIT WORTHINESS AND REPUTATION.
Product: Credit reporting

On XXXX/XXXX/XXXX I requested a 90 day fraud alert due to losing personal identification items. Instead of the 90 day alert Equifax placed a 7 year fraud alert. Since then, in both XXXX XXXX and XXXX XXXX I have mailed a letter to the address specified by Equifax for removal of fraud alerts. I included copies of my social security card, NC state ID card ( valid until XXXX ) and a current power bill. As of XXXX/XXXX/XXXX the fraud alert has not been removed. I want it gone immediately. I am including a copy of the page showing the fraud alert still present on XXXX/XXXX/XXXX. Equifax Confirmation # XXXX