23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Subject : Complaint Regarding Chase Banks Credit Card Closure Policy To Whom It May Concern, I am writing to file a complaint against Chase Bank regarding the forced closure of my credit card accounts due to what the bank described as excessive disputes. Upon review of the credit cardholder agreement provided by Chase, I found no specific language outlining a policy that links multiple disputes to account closures, nor any definition of what constitutes excessive or abusive use of the disputes process. No other Credit Union as such a policy, including XXXX XXXX XXXX. 

In XXXX of 2024, Chase Bank forcibly closed two of my credit card accounts, citing too many disputes within a calendar year as the reason on. Chase provided no warning about this policy when I applied for the cards or in any subsequent documentation. If I had been made aware of such a rule, I would have reconsidered initiating certain disputes to protect my account status. 

Furthermore, Chase encouraged me to reapply for a credit card after the initial closures. I reapplied for a XXXX XXXX card, which was approved, only to have it closed again within three days. This sequence of events involved a hard inquiry on my credit, which damaged my credit score. The inconsistency in the banks decision-making and lack of clarity in its policies have caused me personal and financial harm. The reason they provide in a letter was 'previously investigated activity reflecting a pattern of abuse '. This is simply outrageous. The disputes I filed were no more that many and were initiated in good faith to address legitimate issues with specific transactions. I inquired as to the number of disputes that I actually filed, and asked what constitutes 'excessive ', but got no answer from the executive team, specifically XXXX XXXX She simply would not return my calls. 

I believe this lack of transparency violates principles of fair treatment for consumers. Under the Fair Credit Billing Act, cardholders are entitled to dispute unauthorized or erroneous charges without fear of punitive measures. By not disclosing that exercising these rights could lead to account closures, Chase failed to provide me with adequate information to make an informed decision. 

I am requesting the CFPB to investigate this matter to ensure Chase Banks practices comply with consumer protection regulations. Specifically, I urge the CFPB to examine : 1. Whether Chase adequately discloses policies related to account closures due to dispute frequency.

2. The fairness of penalizing customers for utilizing their rights under the Fair Credit Billing Act.

3. The potential harm caused by approving applications and performing hard credit inquiries before immediate closures.

This issue highlights the need for greater transparency in Chases credit card agreements and more equitable treatment of consumers exercising their rights. I respectfully request your assistance in resolving this matter and ensuring such practices are reviewed for fairness and legality. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

TRANSWORLD SYSTEM Is reporting a a collection to my credit profile. I have no clue who this company is. I never authorize them to have any of my information.. Ive never signed any contract with them. Ive never done any business with them.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding inaccurate late payment information on my credit report for the following account : [ XXXX payments XXXX XXXX XXXX  ], account # [ XXXX ]. The late payment ( s ) reported are incorrect, and I believe the information is incomplete and inaccurate. I request a full investigation to verify that the account is reported correctly, including the payment history, dates, and balances. I also request proof of the alleged late payments, including statements and payment transaction records from the creditor that would show the payments were not made on time. If such proof can not be provided, I ask that my payment history be updated to Paid As Agreed, Never Late ( PAANL ) status, as required by consumer protection laws.
Product: Debt collection

On XX/XX/XXXX, at approximately XXXXXXXX XXXX I received a call on my cell phone from a representative of XXXX XXXX XXXX, XXXX. They left a voicemail regarding a supposed debt. Shortly after, the same company contacted my brother, informing him that there is a pending civil case against me. 

In response, I called the company and spoke with a representative named XXXX. During the call, she claimed that there is a pending legal matter involving me and that they attempted to serve me 60 days ago. I informed her that I had contacted the XXXX XXXX XXXX XXXX 's office to verify this claim and was told there is no record of any such case. 

XXXX stated that the alleged debt dates back to XX/XX/XXXX. I explained that I do not believe this debt is mine. I also mentioned that I have received calls from this company in the past, during which I requested proof of the debt. However, they have never provided any documentation to substantiate their claims. 

I reiterated that I do not wish to receive further calls from their company and that, if this is truly a legal matter, it should proceed so that I can present my defense in court. XXXX responded by stating that she is not bound by credit laws requiring her to cease communication with me or my family because, according to her, this is now a legal matter. She further stated that they intend to garnish my wages and serve me at work, at home, and other places they have identified. 

This behavior is causing undue stress and confusion, and I believe it constitutes harassment and a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). I did manage to record the conversation.
Product: Student loan

Navient short changed me of {$15.00} on the second refund check, it should of been {$190.00} but got {$170.00} instead. called them spoke to  XXXX  she told me there was a IRS filing fee and I told her I was not to be charged anything. Kept getting the run around with her, hung up and contacting you an d Washingtons Attorney Generals  office.
Product: Debt collection

XXXX XXXX, XXXX : Company called place of employment to inquire about debt owed. I returned phone call and asked to remove work number from their contact list. 
XX/XX/XXXX-XX/XX/XXXX : Company resumed calling employer, despite verbal confirmation that work number would be removed from contact list.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

To whom it may concern, It saddens me deeply to write this letter as I survive through my current financial struggle. I am writing about  Ally  Bank, my interest rate and my efforts to keep my vehicle that I 've been paying on for 2 years. My payments to Ally bank are {$440.00} a month. When I first got the vehicle I was told that the interest rate was very high because I did not have much credit, and that I 'd be able to build and get a lower rate in a few years. Since having a vehicle was a necessity to me keeping my job and taking care of my family, and since it was affordable at the time, I decided to move forward with the purchase. Unfortunately things changed for the worst, and the amount of the car payment is no longer in my budget, yet I 've been doing everything that I can to struggle to make these payments every month. I 've been on payment plans, I 've done everything that I can, however no matter what I seem to do that payments are simply too high. In addition, the value of the car in comparison to the payments that I will be making is unreal to say the least, but this is what new limited credit will get you in the world.     I 've writte n Ally Ba nk several times to see if there is something that they can work out with me, either with the interest rate, or anything that will lower my payments to something that is more affordable for my newly demoted salary. I 've gotten no responses. I understand that it is not  Ally Bank  's responsibility to assist me with keeping my vehicle, however seeing that the value of this car is no where near the amount that is left over to pay in the loan, I feel it beneficial for both parties to work things out. I 'd like my request sent to the headquarters of  Ally  Bank.     I would like to humbly negotiate  one  of the following with  Ally.  I am making every effort to keep my agreement with Ally and with such outrageous interest rates I only ask that they please respond to my letters or forward them to headquarters to see if something can be worked out.
Product: Debt collection

This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the National Mortgage Licensing Service .

2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the National Mortgage Licensing Service.

5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 7 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Product: Credit card

I've always made sure payments on this account are timely, never allowing them to become overdue. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. Under 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting or other personal consumer reports

The company is violating federal law rule 9037. I have reached out to the company multiple times. I have now report them to XXXX XXXX XXXX XXXX. I have included a copy of that report attached and I have reached out. Got a statement from the court that is also attached theyll violating federal law 9037 of the federal law I had a copy of that attached to
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 7 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX XXXX XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma advertised an offer to apply for an XXXX  credit card, offered a payment in amount of {$50.00} if not approved... I applied today, XXXX, was denied, reasons for denial include a prior personal loan which I did not receive.. Regardless, I believe I am owed this amount, {$50.00}, from Credit Karma. The terms of offer were not disclosed at time of application. My email account associated with Credit Karma is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are hard inquiries on my credit report that I did not make. I have bad credit already and I know that applying for things aren't in my best interest. I need these inquiries that I did not make to be removed off my credit report.
Product: Credit reporting or other personal consumer reports

This complaint is against TransUnion, and XXXX and XXXX. Enclosed is proof that the account XXXX XXXX was never investigated by TransUnion, Experian nor Equifax.I requested that TransUnion, Experian and Equifax investigate this account. I believed the account was not reporting accurate. Enclosed is proof that this account is reporting illegally the information is incorrect. 15 U.S.C 1681e subsection B states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure Maximum Possible Accuracy. Well this account is reporting different information to TransUnion, Experian and Equifax. Despite my submissions TransUnion consistently responds that the account is reporting accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i which mandates a reasonable investigation of disputes. Furthermore TransUnion, Experian and Equifax actions may contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB recent administrative proceeding ( File No.2025-CFPB-0002 ). The problem account is XXXX XXXX. I have enclosed evidence in support of. Remove the late payments.
Product: Consumer Loan

I bought a living room set from Conn 's between XX/XX/XXXX and XX/XX/2016. I have had this living room for less than a year and started experiencing issues with it 3 months into the purchase. I called the company in regards to the issues because along with the installments I purchased warranty for the furniture. After many failed attempts to contact them and get a technician in to fix the issues I finally received a response. When the technician came to my home and see what parts he would need he advised me that the part would arrive in ten days and I was to call them back so they could come and fix it. Two weeks after waiting for the part it never arrived I then contacted warranty department and they advised the part would not ship out to me for another ten weeks. At this moment I discontinued the payments to the company. I feel that the company has been deceitful towards me and setting unrealistic expectations and providing me with false advertisement in regards to their products and services. I am going on months without been able to utilize the furniture, and more issues with it have arised since then with different part of the furniture. This furniture was on rare occasions used, I do not have any other persons living with me therefore I am the only person that has access to use the furniture which is maybe twice a week considering I am at work XXXX out of a day.
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX  XXXX Balance : {$4.00}, XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I filed a complaint here with the FTC/CFPB for XXXX   XXXX XXXX. They collect on behalf of XXXX XXXX. They put a collection on my credit report for {$100.00} I never in my life have had XXXX XXXX EVER. My father is XXXX XXXX XXXX He has XXXX XXXX. Not myself.I called XXXX  my father did as well. They confirmed that it is his NOT MINE. We asked them to remove the collections, they said they would off my report ( XXXX XXXX XXXX ) They have not. 

I checked the status of my dispute here online and their legal dept said the social matches mine - this is FALSE a blatant lie and my father confirmed on the phone it was his and NOT mine. This is a lie by their legal dept. XXXXTo make matters worse they sold the debt to XXXX XXXX   XXXX/XXXX  XXXX XXXX They keep trying to collect and reselling on an account that has NEVER been mine. I have NEVER enrolled or even applied to XXXX XXXX. 
THey show 2 numbers on my credit report under creditors heading XXXX XXXX I let them know of the situation they said to go back to XXXX. I called XXXX they said they don't have it anymore and denied that they spoke to my father and I before. I then called XXXX XXXX XXXX they said it was sold to another creditor being XXXX XXXX. 

My scores dropped from mid 750 's all 3 down to mid 650's.I am very angry and frustrated at the lies XXXX - XXXX XXXX and XXXX all have colluded in. 
How can they keep doing this? Selling my information/debt that is not mine? 

I have the credit reports to prove it and show matching amounts. 

Thank You XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The accounts XXXX XXXX XXXX, XXXX   XXXX XXXX, and XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft
Product: Debt collection

I move and asked for my final bill be sent to my new address and nerver recieved a final bill to date. This was put on my XXXX and I disputed it and it was  taken of my credit report. Now they sent it to Southwest Credit and they are calling me at work. XXXX XXXX needs to be investgated on there billing procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my personal information to obtain medical care, which subsequently was transferred to Paul Michael 's Marketing. Paul Michaels Marketing is reporting a fraudulent collection on my credit and I am requesting the immediate removal of this account from my credit as its not mine. Please note the attached FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have not adhered to the following laws, Freedom of Information Request & Request for Affidavit Certifying Affirmation of Statutory Obligation, Freedom of Information Request For SEC Registration Status & Securitization Inquiry Freedom of Information Request Regarding General Obligation Bonds-CAFR. according to the federal trade commission regulation. Your investigation results are unlawful ; you have also unlawfully placed derogatory items on my credit report which in turn is causing me undue financial duress ; as you have not produced the original contract ( for Inspection ), front and back pages, with my original signature ( no copies ) in respect to the alleged contract and state for the record who the alleged original creditor was or Current holder of Original Contract is based on the preceding law
Product: Credit reporting or other personal consumer reports

Looking into my report, I notice the report states that I have 3 late payments on a account that I was never late on. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy which is not with this account. I have never been late on payments for the account with XXXX XXXX  XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payment be updated to on time as they should be as I was never late on this account with XXXX XXXX. Thank you for your time.
Product: Mortgage

I closed on a conventional mortgage in XXXX of this year. The first payment was due on or before XX/XX/2024. I mailed a payment to the first servicer on or about XX/XX/2024. It was apparently received on or about XX/XX/2024 ( see notation on the front of the check ) ; however, it did not clear my account until XX/XX/2024. 

In the interim, I received notice that my account had been transferred to XXXX different servicers : XXXX and then XXXX serviced by ServiceMac, respectively. XXXX initially falsely advised that they would not be able to cash the check. To ensure that I timely paid the first payment, I submitted another payment through the electronic payment portal of ServiceMac on XX/XX/2024. ServiceMac applied that payment to the XX/XX/2024 due date. 

On XX/XX/2024, the initial check cleared by bank. See attached. So, at this stage, I had made XXXX mortgage payments when only XXXX was due. I phoned ServiceMac about the additional payment by check that XXXX cashed. ServiceMac told me to give them 30 days for that payment to be transmitted by XXXX to ServiceMac. ServiceMac asked if I would like for that payment to be applied to the next XXXX due ( XX/XX/2024 ) or principal only. I requested that it be applied to principal only and said I would make another payment before the XX/XX/2024 due date. 

On XX/XX/2024 I made another payment through ServiceMac 's online portal. ServiceMac initially credited that to the next payment due, which was due XX/XX/2024, as they should have done. See attached statement. 

On XX/XX/2024, I emailed XXXX to advise that, contrary to what they had told me, the check had been negotiated by XXXX, yet the payment had ( evidently ) not been sent to ServiceMac. I asked for an update. I received no response. 

Today, XX/XX/2024, I logged on to ServiceMac in the hope that my balance would be updated to reflect the XXXX payments that had come due and been made and the additional payment by check to principal only. To my shock and horror, not only is ServiceMac still not showing the third payment by check- they are showing that my account is 13 days past-due! 

It appears that they reversed the credit for my first online payment on XX/XX/2024. That makes no sense. All of this is incredibly disconcerting and troubling and unacceptable. The failure to credit me for the initial payment by check is also costing me interest. 

I am a relatively sophisticated consumer. This is unethical, wrong, and could easily place someone less savvy in a bad position. At any rate, I should not have to police their records.
Product: Debt collection

On XX/XX/2021, I spoke to male, believe his name was XXXX. Stating he was attempting to collect a debt for XXXX. He offered a settlement amount, I advised him I am not familiar with the his company, or the company he claimed to be the original lender. I asked him to send me validation of debt. He informed me a settlement offer was already sent to me. I advised him I have never received mail correspondence from his company and asked him to provide me, by mail, validation of debt. He said he will just tell me by phone to refresh my memory and said, " What's the point of sending your validation of debt if you aren't going to pay when offered a settlement. I asked him if he was refusing to provide the validation he said, you aren't going to pay it anyway. He ended the conversation with " yeah right '' and hung up.