23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Had a Chase Sapphire Reserve card with {$550.00} annual fee. Called to close the account in XXXX. Life goes on. This month in XXXX, I saw a balance of {$550.00} and was shocked to realize that Chase has been charging me {$550.00} annual fee for 3 years without a single inactivity since XXXXXXXX The total fee accessed post my phone call to close the account in XXXX is {$1500.00}. It would amount to {$2100.00} if I didn't happen to check in an XXXX. They have since closed the account but refused to refund the fees. 

I checked my online bank only periodically and have autopay set up for this card. The fee is accessed in XXXX and there is no paper statement. Chase kept all closed accounts also visible for online banking, which is very confusing. If I don't check in an XXXX, I see {$0.00} balance and didn't know this card is still open. 

In my opinion, this is borderlining predatory lending. For such a high fee to be charged repeatedly without not a simple activity year after year. What is the possible reason for customers to be willing to pay the fee with usage of any benefits? Clearly customers do not know they still have the card. They decided to leave the account open so that they can continue to charge fees. Called Chase and they told me there is nothing they can do to waive these fees. 

There is also an inconsistency in their policy. I have a different Chase card with {$95.00} annual fee and that account is closed after 12 months of inactivity, which is the responsible way of handling these situations. 

Would like to make a complaint. With Biden administration doing the right thing cracking down junk fees & predatory fee practices, this is a good example of a large bank exploiting customers of {$1500.00} in fees! And being inconsistent in their fee policy. 

Please let me know if there is anything I can do to get the charged fees back. In this economy, certainly need it back to make ends meet. 

Thank you.
Product: Mortgage

Our mortgage loan was transferred from XXXX XXXX to SPS ( Select Portfolio Servicing INC ). I have always made our payment online. I just made our first payment with SPS online ( https : //www.spservicing.com/ ) and I was charged a {$5.00} fee to make a payment online. I do NOT agree with this charge and I believe it's against the law for a new servicing company to charge a fee to make a payment especially when that payment is made online with no human assistance. Over the life of our loan this would result it more than {$1800.00} in fees. The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that provides limitations on what debt collectors can do when collecting certain types of debt. I believe this fee is unnecessary and I do not agree with it at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023
Product: Debt collection

Today. XX/XX/2021. XXXX XXXX EST. 

I am a XXXX veteran. I am attempting to settle a debt through this office who is deliberately making my debt settlement impossible. 

In XXXX, we were provided a settlement amount and told we would have to send the money via certified check to this company. We did so, but found out recently, the money never drafted from our account as the check was never deposited on their end. I am unsure, with COVID-19 mail issues, if that is the culprit or if perhaps it was lost in their office. Regardless, I have since canceled the check and I, XXXX XXXX, reached out to establish another settlement amount and inquire if there is an opportunity for us to perform an ACH withdrawal instead of doing the certified check ( to prevent further delivery issues ). 

This companys account representative 's behavior was the most atrocious customer service experience we have ever been through. The demeaning, disrespectful attitude and offensive comments she made, were beyond unacceptable for a professional workplace. If this is how their company operates, it is absolutely unacceptable She consistently interrupted me as I was attempting to explain the situation ( with the uncashed check ) and why we are looking to get this taken care of immediately. 

I stated, " I need this to be resolved, so I can be approved for my new mortgage, as I do not want to be homeless with my children. '' Her response was, " Well, I am having a hard time understanding if you sent in a check with the original settlement amount, how you do not still have that money. '' I stated, " As my wife just said, that is none of your business, but, '' She cut me off and said, " You're right. Call me back when you have the money, otherwise enjoy being homeless. '' I absolutely expect her unprofessional behavior to be addressed. 

I also expect her then follow-up retaliatory behavior to be addressed as well. 

I called back to attempt to talk to a manager, who she stated there would be no point in transferring to because we would be met with a voicemail. She then said, she already spoke to her manager because of " our situation, '' and that your will no longer accept the payment through ACH or debit withdrawal. This is clearly retaliatory and the most immature and unprofessional response to customer concerns I have ever experienced. 

The company is also refusing to provide me with any documentation of the debt I owe, and/or, any settlement amount/payoff documentation up front prior to paying my debt. 

Never in my professional working career, have I ever experienced behavior like this from a customer service representative regardless of whether it is a debt collection company or not. 

They are purposefully making my ability to resolve this debt beyond difficult. 

I expect this matter to be resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Social Security Number : XXXX Account # XXXX Account # XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXXXXXX XXXX, has verified that the account they are reporting under my name is accurate. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response, or e-oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX SSN : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Debt collection

I reached out to The Bureaus, Inc. for validation of an account. The original creditor is XXXX XXXX. According to the records provided, my last payment on the account was dated XX/XX/. The Statement closing date of XX/XX/XXXX  showed a balance of {$200.00}, however, The Bureaus , IncXXXX is attempting to collect a total of {$510.00}. 

Please explain how my balance went from {$200.00} to {$510.00}?
Product: Debt collection

Aldous & Associates P.L.L.C.

Account Number XXXX I purchased a gym membership with XXXX XXXX XXXX on a monthly pay period on XX/XX/2021. 
After 1 paid month of the membership I replaced the credit card I had on file and therefore stopped making payments from there on and planned not to update the credit card on file as I did not need the membership any longer. 
After failing to use the keychain on file with my membership due to declined access, I assumed that my membership with the club was subsequently terminated and I have not used the membership since XXXX of this year. 
I was not made aware that I would have to still pay on a membership I had and still have no access to nor the failed transactions attempted upon my former credit card and therefore should not be charged for it or the accrued debt as well.
Product: Credit card

I have tried to request a credit line increase three times now from Capital One. I am trying to get my credit line above {$1000.00}. I understand my rights, and I would like for Capital One to either prove that I am unable to repay the credit or approve the credit line increase. I currently have only had one late fee on my account within the few years that I have been with the company, and the late fee was well over a year ago now. I feel as if they are discriminating against me. So, I would like to exercise my right that is stated within the equal credit opportunities act and take legal action through certified mail with my tender of instructions if needed.
Product: Debt collection

Debt collector continues to call my job with an automated message stating my name and that they are trying to collect a debt. My secretary had heard the message as I work in a school. I 've tried to get them to stop calling, but they will not.
Product: Credit card or prepaid card

Last month my credit limit was {$10000.00} and then this month it suddenly decreased to {$2000.00}. I was never notified of this adverse action and it's affecting my services since I put my recurring charges on that card.
Product: Debt collection

In XX/XX/XXXX our leased XXXX XXXX XXXX was damaged during the flood and we submitted a claim to insurance company that the car is irreparable. The insurance company honored the claim and paid the remaining value of the car to XXXX XXXX XXXX P.O. Box XXXX XXXX XXXX, IA XXXX ( " XXXX '' ) under account number XXXX : XXXX on XX/XX/XXXX. Both my husband and myself are listed as lessees on the account. XXXX sent us a letter dated XX/XX/XXXX indicating that we owe a GAP insurance deductible of {$150.00}, which is " due within XXXX days from the date of this notice '' and if not paid, " your account will be charged off and reported as such to the credit reporting agencies ''. I was overseas for work at the time, I did receive a call from them on or about XX/XX/XXXX, where they were trying to confirm if we received a letter and indicating that {$150.00} was due and payable. I asked them to send by email, which they did. I forwarded the request to my husband, who was in US and asked him to settle. My husband sent a check dated XX/XX/XXXX for the amount of {$150.00}, which cleared our checking account on XX/XX/XXXX. In meanwhile, XXXX reported the amount as charged-off. My credit history has only 1 account reported being late for payment, which is XXXX XXXX in XXXX with indication 30-59 Days Past due. Everything else is in good standing, no late payments, no defaults, no derogatory remarks. After this charge-off amount got posted to the credit report, our credit scores have dropped significantly. 
On XX/XX/XXXX I have written to XXXX indicating that they placed an undue burden on us where this {$150.00} is creating undue limitations to our financial freedom and demanded that this record be expunged from our Credit Report. They responded that they did everything properly. Please note, nowhere in the contract that I had signed there is a clause that I would have agreed that XXXX IS awarded such right. I consider this frivolous behavior. Where does 20 days have come from, why is it 20, not 10 or not 30? is it 20 calendar or business days? I have opened several claims with XXXX, trying to explain and fix the issue. They made a comment on the report that the account was paid, but remained the CO remark and " XXXX XXXX Off ''. This doesn't help though. We have recently applied for a mortgage and were denied with comments " there is a serious delinquency on your credit report '' ; " delinquent account appears to be recent ''. At this time I am looking for assistance on legal remedies that are available to me. I am intending to bring a suit to court as this burden is so undue and has caused us substantial moral suffering. I am also looking for an instrument, where I, as an individual, can be awarded an equal right to place financial burden on XXXX at my discretion of 10, 20 or 30 days.
Product: Student loan

I received XXXX letters ( XXXX XXXX XXXX XXXX ) from the department of education stating I am apart of a borrowers defense discharge group because of unfair practices at XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX I attended this college in XXXX I have tried reaching out to my loan servicer and just get the run around and a refusing to acknowledge the emails I received, once stating I'm not a part of it. I also have other loans that have been paid off, but I have been transferred from loan servicers so many times I'm not sure what the pay off amount totals. I have about XXXX left to pay, but I believe a total of XXXX was my original amount.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a complaint regarding unauthorized and inaccurate credit inquiries appearing on my credit report, which I believe violate federal law under 15 U.S.C. 1681n and 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ).

Details of Complaint 1. Violation of 15 U.S.C. 1681b Permissible Purposes of Consumer Reports According to this statute, entities are only permitted to access my credit report with my express authorization or for specific permissible purposes, such as processing a credit application I initiated. The credit inquiry by [ Name of Creditor/Company ] on [ Date ] was unauthorized, as I never applied for credit, gave consent, or engaged in any transaction with this entity.

2. Violation of 15 U.S.C. 1681n Civil Liability for Willful Noncompliance I believe that [ Name of Creditor/Company ] willfully violated the FCRA by obtaining my credit report without a permissible purpose or my consent. This unauthorized inquiry not only harmed my credit score but also violated my privacy rights as a consumer. 


Supporting Documentation I have attached the following for your review : A copy of my credit report with the unauthorized inquiry highlighted. 
Correspondence with [ Name of Creditor/Company ] ( if applicable ). 
Any additional evidence demonstrating the lack of authorization.

Impact and Resolution The unauthorized inquiry has negatively impacted my credit score and financial standing. It is critical that this violation is addressed promptly to protect my rights under the FCRA. I trust the CFPB will take appropriate action to investigate and ensure the removal of this inquiry from my credit report. 

Thank you for your time and attention to this matter. I look forward to your response and resolution. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello I sent funds to 2 separate people using money gram because money gram can be tracked and returned if reported as fraud because identification is required. One was for XXXX dollars the other for XXXX on the Friday XXXX XXXX 2017 As well I sent XXXX through cash app which Garuntees safety and security of your funds. Im still dealing with them and hopefully they can resolve but want to make you aware ahead of time. moneygram will not cooperate in the return of funds yes they were picked up but you need identification to pick up I have partial info for sending of payment but they have full info to report to police which I need or they need to do. Thank you very much
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, and I am submitting this dispute on my own behalf, with no third party involved. I am writing to notify you of several fraudulent and unauthorized hard inquiries that have been incorrectly listed on my credit report. I have never conducted any transactions or had any engagements with the companies listed, and I did not authorize these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX -- This account is pure identity Theft and wrong!!! 

XXXX XXXX XXXX {$310.00} -- This account is pure identity Theft and wrong!!! 

XXXX  XXXX -- This account is pure identity Theft and wrong!!! 

XXXX XXXXXXXX -- This account is pure identity Theft and wrong!!! 


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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

Discover Loans is not mailing me the balance statement monthly
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file US DEPT OF EDXXXX XXXX Balance : {$2400.00} US DEPT OF EDXXXX XXXX Balance : {$4200.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year> there was a letter sent to equifax asking them to verify what I believe to be incorrect information about a few accounts reporting to my credit report. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into this matter.
Product: Checking or savings account

Chase bank closed my account without warning on XX/XX/year>. I have about {$2200.00} in both my checking. {$500.00} in my savings
Product: Credit reporting or other personal consumer reports

Dear TransUnion Dispute Department, I am writing to dispute inaccurate information that appears on my Consumer Report. Specifically, I have identified errors related to closed accounts that must be corrected or deleted immediately. The details of these accounts are as follows : 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  Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my Consumer Report and have it corrected or removed if it can not be verified. The information related to the above-referenced accounts is inaccurate and can not be verified. Therefore, I am requesting that these accounts be permanently deleted from my Consumer Report. As part of your obligations under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation of my dispute within 30 days of receiving this letter. If the disputed information can not be verified or is found to be inaccurate, you must delete the information from my Consumer Report. Additionally, under 15 U.S.C. 1681g, I request that you provide me with all documentation and information in your files regarding these accounts, including any materials used to verify the accuracy of the information. If TransUnion can not provide such documentation, you are legally obligated to delete these accounts from my Consumer Report. Please confirm in writing the actions you have taken to correct these errors and provide me with a free copy of my updated Consumer Report to verify that the inaccuracies have been removed. Thank you for your prompt attention to this matter. I expect full compliance with the law and a swift resolution. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am following up on my request to validate a debt that data furnisher XXXX XXXX XXXX has reported to XXXX, Experian, and XXXX on behalf of XXXX @ XXXX for the last three years. XXXX reported various amounts being owed on behalf of XXXX  @ XXXX to all major credit reporting agencies refusing to correct reporting even after admitting in writing to a state and federal regulatory agency ( please see attached response to CFPB and the Texas State Attorney Generals Office ) that the reporting was in fact a misrepresentation of the debt. This is in direct violation of Fair Credit Reporting Act, FDCPA, and XXXX section XXXX. I have included the sections XXXX XXXX XXXX, XXXX @ XXXX, by proxy XXXX are in violation of below due to continued inaccurate false reporting of this information. Beginning in XXXX of 2017 I have requested twelve investigations into the reporting of this debt by credit reporting agencies XXXX, XXXX, and Experian. In every instance XXXX XXXX XXXX furnished false supporting documents to bureaus to substantiate continued inaccurate reporting as further harm to my financial reputation. As recently as XX/XX/XXXX ( please see attached PDFs ) XXXX XXXX XXXX requested reporting remain the same to Experian after reporting to Consumer Finance Protection Bureau that this debt was incorrectly being reported in the amount of {$5900.00} on behalf of XXXX @ XXXX. 

Under FCRA, I have the rights to pursue damages as the false reporting of this debt for the last 3 years has caused irreparable harm to my credit and resulted in multiple denials of credit, leasing, and mortgages. 

XXXX XXXX XXXX has maintained that they are reporting this on behalf of the original creditor XXXX @ XXXX and by proxy XXXX. I contacted XXXX @ XXXX, they advised me they have no records of this debt and have been under new management for two years. As of today XXXX hasn't provided validation of this debt in the amount of {$5900.00}.