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

I have been with Chase credit cards for 34 years with an excellent credit history but I just recently received a letter from Chase decreasing my credit line. They claim my balances are too high compared to credit limits, which they were actually higher last year. I realize that Chase makes the rules and can change those rules at anytime, but it must be done lawfully. It is against the law to discriminate. I feel that they are discriminating against me because of my age. They have prematurely sent me a condolence letter a few years ago because they mistakenly thought I had passed away. Naturally, they will not admit they are discriminating against me, but I would like this to be on record because if they are discriminating against me, you can be assured they are doing this to other Chase customers. To bad there is n't a way to find that out. I called Chase and they re evaluated my situation a couple of times but refused to change their decision. Another underwriter from Chase was suppose to contact but never did.
Product: Debt collection

Southwest Recovery Services at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX has a collection reported on my credit reports for the amount of {$8200.00}. I never did any business with Southwest Recovery Services. I don't know who this company is. I've never signed a contract with this company for anything. Ive never given permission verbally or in writing to anyone to pass my information to this 3rd party that Ive never heard of.
Product: Credit reporting or other personal consumer reports

Self/XXXX XXXX ( XXXX ) Is Listed As A Charge Off, And the address thats connected to it too is not a place i stay at and need it removed. I Know i can write it off but i just need it off to up my credit score because im unaware of these transactionsand credit report checks they did without my knowledge XX/XX/XXXX Self/XXXX XXXX - ( XXXX ) listed as closed XX/XX/XXXX should be removed off to and is effecting my credit score. stoppage from my bank trying to help me. 
XXXX XXXX ( XXXX ) - ( XXXX ) on XX/XX/XXXX this statement was charged off and should be removed too. 
These three things are putting a tremendous turmoil on my credit score it is effecting me because its extra loops i have to go through and try to figure out when these inquiries should've been off and wiped off my statement because these are unfamiliar too me and something that was not done by my doings.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax and XXXX must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Another lie because EXPERIAN FIXED NOTHING DOES NOTHING BUT LIE AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Debt collection

XXXX XXXX has been repeatedly denying my claim for a healthcare bill that is not my responsibility since XXXX. I suffered a XXXX and was taken to the Emergency Department at XXXX XXXX XXXX Hospital in XXXX, XXXX  on XX/XX/XXXX. At this time, I was fully covered for healthcare under XXXX  XXXX  with XXXX XXXX serving as my healthcare provider. I learned that XXXX has been repeatedly denying my claim for insurance recovery because they have been informed that I have primary insurance coverage with the XXXX XXXX XXXX ( XXXX ). I terminated this plan in XX/XX/XXXX and only used it while I was living in XXXX. Since then, I returned to XXXX  and have had XXXX XXXX as my primary insurance provider since XXXX, XXXX. XXXX initially billed me through a creditor called XXXX XXXX XXXX and I previously filed a CFPB complaint. That creditor responded and notified the CFPB that the debt would be waived given the circumstances. They have now sold the account to XXXX XXXX XXXX XXXX and are billing me through a creditor called XXXX XXXX XXXX XXXX. Here is information about my XXXX XXXX Insurance Coverage : XXXX XXXX Patient Account # : XXXX XXXX XXXX Patient Account # : XXXX Patient ID # : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX  XXXX XXXX XXXX, XXXX  XXXX Effective date of insurance coverage : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX , XXXX reported that I have a credit score of XXXX which XXXX XXXX denied my car loan when XXXX has me at XXXX .I 'm stating a formal complaint on them. this is a crock they should be shut down
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 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. 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: Mortgage

We made a mortgage payment on our loan with Guild Mortgage loan # XXXX in the amount of {$3800.00} by certified funds, paid additional fees to get this payment to them as well as paid the amount that their collection represented advised us to send in Guild did not accept the payment and stated they returned the funds, however the funds have not been returned nor posted to the payment the money is in limbo and now they are requesting additional payments to be made on top of the already sent payment. The loan is not in foreclosure status just late payment and they are refusing to accept even one payment and forcing a further hardship on us, this is unfair collections practice causing further unnecessary hardship upon us, as well as causing us to pay additional fees to send in certified funds, and now they lost the funds and money is not posted to payment nor has been returned to us. Guild representative specifically told me we could make 1 payment in the amount of XXXX which we did and not they are refusing this requesting two payments causing additional hardships. this is not a HUD FHA requirement and they are not working towards resolving the hardship but only causing further hardships and jeopardizing the loan to go further behind by not accepting our payments as well as now losing the funds. I want all negative reporting from Guild to be removed and reimbursement for all additional fees we had to in dure to make the payment as well as post my payment to the account.
Product: Debt collection

A claim of XXXX XXXX, which was not performed on me or anyone in my family, was issued by XXXX XXXX in XXXX XXXX XXXXXXXX, CA and sent to a debt collector which in turn was sent to me. I ignored the first bill back in XXXX, XXXX knowing full well I did not have any XXXX XXXX performed in California since I live in Michigan and last visited California sometime prior to XXXX before the age of XXXX. I do not have any information regarding dates or work performed as I never received anything but a debt collection notice. On XX/XX/XXXX I received a notice of potential collection by an attorney in XXXX, OH representing the debt collector also located in XXXX, OH. I am currently drafting a letter to the attorney, debt collector and XXXX  requesting information I can present to my XXXX and Insurance company in order to prove I had no work performed outside my own XXXX in Michigan. The total debt owed is {$1600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a mortgage with XXXX in XXXX, the mortgage was sold to XXXX then back to chase. During that time I obtained an IRRL due to my XXXX XXXX military status. While deploying and on XXXX XXXX the loan fell behind and so I did a modification, upon which time unfortunately XXXX and other banks were illegal foreclosures and I was in that bunch that was able to get mine approved. The modification took over a year as I was told the paperwork was lost at one point to they repeatedly needed more information and customer service liaisons switched on my account. In XXXX I retired and they gave me a 1 % interest rate for 36 months so I made partial payments. I was declared 100 % medically XXXX and in my transition my military check was behind and I have a XXXX child who was in ICU. I was told to not make payments until the final paperwork for the modification was complete. This was due to them not knowing what the payments would be, at this point I never imagined or did I know that it was being negatively reported on my credit report. I have attempted numerous time to work with the credit bureaus and XXXX directly but to no success. The reduced payments were made as asked. There should not be annotated as late payments period. Finally if that was n't enough the new modified loan and the old account have the same number so the delinquencies remain though I have never missed a payment since the modification. The new amount of credit for the new loan is {$210000.00} yet they are still reporting to the XXXX the old XXXX of XXXX giving the impression on my credit report that I am over XXXX dollars which is not true.
Product: Credit card

It is indeed unfortunate that I need to submit this complaint for a third time. 

The company involved ( Alliant ) provides anonymous responses authored by an employee who apparently has difficulty comprehending the XXXX language. 

I will try once again and hopefully this will be directed to someone more fluent in XXXX. 

I am copying XXXX XXXX XXXX on this go-round as she was responsible for creation of this federal agency and might like to know what it has devolved into basically a letter forwarding drop box. 

I will refute each point in the anonymous response : Paragraph 2 of the anonymous response deals with the number of boxes to be returned. 

Please refer to the email time stamped XXXXXXXX XXXX  on XX/XX/XXXX which reads as follows : " Hi XXXX Guess my guy cant count I am bringing back three ( 3 ) unused boxes of the 59 x 10 And One damaged box of same till Total four boxes be there in half hour many thanks XXXX XXXX Sent from my XXXX '' how can this be any clearer? there are four cases in play here, one damaged and three undamaged. 


Paragraph 3 of the anonymous response states in essence that the merchant states I returned only three cases. That is correct in part but only because the merchant failed to honor its commitment to accept the return. Only three cases were returned BECAUSE THE MERCHANT REFUSED TO ACCEPT THE CASE THAT ARRIVED AT MY HOME DAMAGED. 


Hopefully a more careful reading of the email chain will demonstrate to the anonymous author that credit which was offered by the merchant was only for the three undamaged cases of material. 

Why is this so hard for Alliant to understand? 

The merchant should have accepted the damaged case of material. They refused. 

The email chain is more than clear ... .we are dealing with damaged and undamaged material. XXXX from the merchant agreed to take back both the undamaged and damaged material, subject only to the 20 % re-stocking fee.
Product: Money transfers

On XXXX, XXXX, and finally on XXXX I attempted to transfer {$21000.00} from our account at Wells Fargo to our account at XXXX. On the XXXX I contacted XXXX from the Wells branch on XXXX XXXX XXXX and he provided specific instructions to make this transfer through XXXX, XXXX 's fed wire agent ( routing number, account number, account name, etc. ) while on a conference with Wells ' desk officer. The instructions were prepared by the desk officer and the funds were wired. Next day the funds were returned as owners of the XXXX account had not been included. This was corrected on the XXXX but again the funds were returned due to a typo. On the XXXX the exact title of the account was recorded and the funds were again wired ; however the account title was too big for the computer field and the last XXXX letters of the last name were truncated. Unfortunately this wire was accepted and the funds were applied not to XXXX 's account, but to the account of a XXXX retail customer. When XXXX finally determined what had happened, on XXXX or XXXX, they messaged Wells to explain and further said the funds would be refurned within XXXX days. On the fourth day XXXX informed Wells that they had gone to the incorrectly funded account to retrieve the money but the funds were n't there and therefore XXXX would not be returning the funds and that furthermore XXXX was closing its case on this transfer. Iwas informed of XXXX 's decisions on XXXX and further told that as XXXX had closed its case there was nothing further that Wells could do and that Wells, too, had closed its case. The matter was eventually referred to an " executive resolution team " and on XXXX I was informed by a team member that there was nothing that the bank could do : " We have our rules. If you are unsatisfied by our decision you should get a lawyer ... ''. I responded that only Wells Fargo had the standing with XXXX to argue for the return of the money and I believed that Wells was obligated, at least by good business practice to pursue my claim ; but was told again to get a lawyer - " ... ..we 're sorry, but we have our rules and there is nothing that I can do. " I am told by attornies that litigation will likely cost more than {$20000.00} and that Wells ill likely respond by giving the matter to XXXX of its retained law firms with the instruction to make this problem go away. As courts are reluctant to award damages to cover the cost of litigation it seems that I am frozen out. Frankly, I suspect that this arithmatic is central to the bank 's " rules '' which seems predatory. I am pursuing counsel and every other venue which I can think of.
Product: Checking or savings account

I opened a checking account with First Horizon Bank at the XXXX XXXX NC branch I believe on XX/XX/year> I was promised a promotional bonus after having a direct deposit of {$1000.00} or more deposited into the account within the first 90 days A social security direct deposit was made within XXXX weeks of {$2400.00} I now have {$5400.00} in this account It is a checking account At the time of opening the checking account I asked for provisional checks and was told the bank does not provide them. How can a client have a checking account and write checks when they are not given any checks??? I have never heard of that in XXXX years of banking. Next I asked to establish an online account and asked if they had ACH transfer options to external bank accounts. I was told they did I immediately set this up with my XXXX XXXX Account I recently tried to transfer {$2500.00} to my XXXX XXXX account via an ACH transfer and found out there was a {$250.00} maximum limit on ACH transfers. I was shocked. I never heard of such a ridiculous limit especially given the fact that I have no checks and a {$5400.00} balance. I called customer service and requested an increased limit It was denied I called the local branch and was told they would increase the limit That has not happened It is inconceivable to me that this bank has effectively confiscated my money and put a limit of {$250.00} on what I can obtain I am XXXX. I requested that they send me a check from my account. They refused. They said I would have to come to the bank in person to make the withdrawl even though it is almost a XXXX mile round trip. I said I would fax a signed request and they refused to accept that In essence they have restricted my ability to obtain my own money I believe this is blatantly illegal and that they should be sanctioned and penalized This is egregious conduct for anyone yet alone for a XXXX and XXXX individual
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt collection

So I am not sure exactly when this exactly started as I wasn't aware of this until XXXX XXXX when I got the notice from XXXX XXXX XXXX. Well I contacted them and of course it a XXXX min wait or etc and I am in construction which being said I can't sit on the phone. Well I left them messages explaining to them that can only speak to my daughter XXXX XXXX no one else beside me as me and my wife sepeterated. We do believe that my ex wife took this out and the person they claim to have been speaking to is my ex brother in law which I didnt give permission. So with that being said I sent them an email notice and I submitted them a dispute the debt claim in mail in email and XXXX but they are still trying to take me to court I filed a continuance with the court because my daughter was in the hospital but they arent stopping the bank garnishment or anything which like I said I didnt authorize this debt so I need help asap. They are one of the most hardest people and rudest people to deal. I have told them I will do whatever I have to do to proof to them that I didnt take the debt out. I don't feel it fair to make me pay for something that I didnt take out. So I hope you all can help me out asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to resolve this matter on my own several times. I have not received a response from them in over 30 days as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. They are sharing my information with 3rd party companies and making a profit without my consent or knowledge which is identity theft.As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or ( any company reporting the late payment** ) such authority.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act XXXX XXXX Account Number : XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late and for and purpose.
Product: Mortgage

Dual Tracking and Foreclosure violation by Caliber Homes Loan. We applied for loan modification due to unemployment and underemployment before XXXX XX/XX/XXXX and more than 37 days from the XXXX XXXXXX/XX/XXXX foreclosure, sale date on my home. However, although, our modification process is still currently going on, Caliber Home Loans, has simultaneously, scheduled a foreclosure date for XXXX XXXX, XX/XX/XXXX ( now, roughly, 2 wks from today ). 
Please, Help Now.
Product: Credit reporting or other personal consumer reports

RE : DEMAND TO COMPLY ; Your Company Violated the United States Code Law You are Seriously Violating the United States Code Law and Ruining My Life & My Reputation, as a Natural Person. Your company is continuously reporting Inaccurate and False Information that is Misleading.

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, UNVERIFABLE and INVALIDATED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.