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

Until recently I had two lines of credit with chase ( flex and unlimited freedom ). These accounts were 14 years and 3 years old respectively and had been paid as agreed monthly with no missed payments or late payments. Due to errors with a credit union and their bill pay service two payments were returned, this did not cause me to be late or delinquent, I immediately provided a replacement payment for one card. Had I known about the other payment issue I would have done everything to address in promptly. However, Chase had disabled and refuses to enable my online access due to their unexplained closure of my checking account ( and continue to not release the funds that I had deposited in it ). As such I was unable to see my secure message center for up to date information regarding my account. The day I called regarding my online access ( of which chase says they have no record of ) I explicitly asked the agent in credit card services if there were any issues with my credit accounts as I could not access any information on them, I was told they were in perfect outstanding condition. Airing on the side of caution i again, later in the conversation, asked if there was ANYTHING that put any of my cards in jeopardy. Again, I was assured everything was fine. At this time it has been explained to me that the agent would, have been aware of the payments returned for insufficient funds. I received letters from chase over 2 weeks later. When I called and attempted to explain that I had canceled the payments that bounced, they were not authorized by the bill pay service. I had received confirmation. They didnt care. I have not received {$200.00} cash from my checking account. I was threatened by chase agents that they planned to make sure process would be, as the agent said the hard way ( as I assume opposite of the fair way ). Chase has also lied in a response to the initial complaint regarding my {$200.00}, saying that I could only get my money by going to a branch, which goes against their policy and against their own agents statements regarding my funds. I still can not verify transactions that occurred after XXXX on my credit accounts. I still receive emails that seem to be for card holder with open accounts, high is just tacky and shows their level of attention to detail. I called chase executive line multiple times ( returning XXXX and XXXX calls ) and my calls were never returned not once. I want my money, I want it issued to me, I have no desire to have chase change the rules left and right. I want to know why a 15 year banking history was shattered so unprofessionally and during COVID when I greatly depended on those lines of credit. I would like my online access restored and my credit lines reinstated ( which is possible as I have spoken to family members who have had this done, it seems as though chase has profiled me for not having enough wealth ).
Product: Checking or savings account

Opened Citi Priority checking & savings accounts on XX/XX/XXXX. I deposited {$25.00} into checking & {$50000.00} into savings and kept the money in for the required 60 days in order to receive promotional {$700.00} bonus. I moved the $ XXXX to a Citi Bank Accelerate account on XX/XX/XXXX after confirming with a Citi Priority banker that I already met qualification requirements for the {$700.00} bonus and should receive the bonus within 90 days of XX/XX/XXXX ( meaning I should expect the bonus by XX/XX/XXXX ). It is now well past XX/XX/XXXX and I've still not received the bonus. I tried calling the bank on 36 different occasions, and after two dropped calls and transfers to customer service personnel who were clueless and just gave me other phone numbers to call, I've lost my patience. Please contact them and have them give me my {$700.00} credit I am due.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES 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 XXXXXX/XX/XXXX I AM A VICTIM OF IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 14. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

16 U.S.C 1681 section 604 A Section 2 : of also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

I used to bank with wells in XXXX and my card always goes through even when I dont have insufficient funds and always get charged an overdraft fee
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Account XXXX 15 U.S. Code 6802 XXXX Obligations with respect to disclosures of personal information XXXXXXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. 
Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 


I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : [ XXXX XXXX XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23. ] Your company is in violation of the FCRA and Metro2 Compliance and reporting violation. 
XXXX XXXX XXXX ( d ) ( XXXX ) ( A ) ( i ) { XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 } you reported transactions from to my consumer report. 
does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to or experiences between the consumer and the person making the report ; The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer XXXX remove transaction from the report
Product: Debt collection

XXXX is trying to collect {$1700.00} from me and I've never had service with them. I tried two different times to get service with them and they denied me. I have reached out because I'm trying to purchase a house a d saw this was on my credit. I spoke with someone who was suppose to look into it and never returned my call. I have received letters from Jefferson Capital who is suppose to be the collection agency. When I reach out to them it's a other company who has it but Jefferson Capital is reaching out. This isn't my account and I've been reaching out to get help for almost two years with no success.
Product: Credit reporting

I disputed XXXX public records/judgements on my credit report from Equifax on XXXX/XXXX/XX/XX/2015. They completed their investigation and updated these public records to " satisfied '' and told me if I had any further questions to contact XXXX XXXX Court. I have contacted XXXX XXXX Court and have NO such recorded judgements. The court also told me they do not report to Equifax. In my dispute I requested that Equifax please send me the method by which they verified these public records ; they never provided me with any such information.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediatelyXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIRIES ( stolen identity ) XXXX XXXX XXXX made a Bank XXXX Credit Card Inquiry by checking your XXXX  Credit File. 
Impersonator fraudulently Requested credit on following dates : XX/XX/2022, XX/XX/2022 Contacted XXXX XXXX on XX/XX/XXXX to dispute application and advise of fraudulent activity. 

XXXX XXXX XXXX made a Bank XXXX Credit Card Inquiry by checking your XXXX Credit File Impersonator fraudulently Requested credit on following dates : XX/XX/2022, XX/XX/2022 USAA SAVINGS BANK made a Bank XXXX Credit Card Inquiry by checking your XXXX Credit File. 
Impersonator fraudulently Requested credit on following dates : XX/XX/2022, XX/XX/202XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have had a lot of problems with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Attached are Affidavit ( s ) letters to the point of contact ( XXXX XXXX ) and her associates from the XXXX. I had a family business during the recession of XX/XX/XXXX XX/XX/XXXX and the economy got the best of us, but I paid our tax lien of $ 20k -/+. 

The tax lien debt was tendered in XX/XX/XXXX and the XXXX from XXXX mailed me a tax payer copy, showing, and expressing a tax lien release filed by the XXXX XXXX XXXX within XXXX XXXX and XXXX XXXX XXXX XXXX. The XXXX also went after my son ( XXXX XXXX ) creating another account number to create another $ XXXX of owed debt by filing the same debt publicly under my son. I have letters expressing the confusing and I even gave instruction to the XXXX to following up with their Headquarters, but we somehow come back to the issue yet again. Please review all attachments. 


Thank you, RE
Product: Credit reporting, credit repair services, or other personal consumer reports

Mountain Land Collection is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed that Mountain Land Collections was on there, I immediately called and settled the account. I was completely unaware that this was reporting on credit. I ask that they remove this account from my credit file since I was not notified about this account.
Product: Credit card or prepaid card

Ii have been struggling to resolve ID THEFT FRAUD TO NO AVAIL FOR LONG LONG TIME.. I am Unable to Access my account on line due to a Severe Hand Disability.THEREFORE, I am requesting ( Special Needs Options ) for the XXXX. Please provide Written Documentation of all Fraud Reports from XX/XX/XXXX thru XXXX XXXX. USAA IS ON LINE BANKING ONLY FOR ME. I HAVE NO ACCESS TO THIS INFORMATION ANY OTHER WAY. Please include written documentation of the resolve.
Product: Checking or savings account

So I spoke to U.S. Bank on XXXX different occasions to see if I can get refunded overdraft protection fees. I have my account set up for no overdraft protection, but I still get charged on those fees for the whole year. I have a total of XXXX and they refuse refund me those fees, Ive made XXXX complaints with the bank, asking for a refund of the fees, and they refuse to.
Product: Checking or savings account

I have a negative balance with capital one that is restricted but not closed out. It states on capital One checking account disclosure that if an account is in negative for over XXXX  days it will be closed. But Capital One did not close out the account instead it's restricted. The reason I want Capital One to close out my negative balance which they are stating I still owe them is because I am on XXXX XXXX, and I have to send statements every year to them which is a real hassle. I do believe what Capital One is doing is illegal and this should impose a cfpb fine.
Product: Debt collection

A credit card, that I've had from about two years ago went delinquent. I've done my best to make payments, but due to the cost of divorce, child support, and the lack of making enough money. I had to use said credit card. I've made payments in the past, but haven't been able to make any as of recent. I was never offered a payment plan, never told that Navy Federal Credit Union would take money from my account without my consent or knowledge. They just take the money and mention they " can't do anything about it because it's already pending '' leaving me without money to get to work, pay bills, or sometimes even eat. Today ( XXXX ), I had gotten paid at XXXX, to later wake up to {$0.00} in my account and seen that they have taken every bit of money I had gotten paid to " collect on a past due balance ''. I have since called NFCU, and they had told me they couldn't do anything, but to call a other number 4 hours later when they open. I am now going to be late to work because I don't have money for gas to get to work, and am waiting until XXXX for them to open in hopes I can work something out with them. Until then, I can't pay bills, pay my child support, or get gas to go to work.
Product: Credit reporting or other personal consumer reports

I received an email stating I have an hard inquiry with Barclays Bank Delaware. I never applied for that nor have I ever heard of them as well. It says the date was XX/XX/. This was done without my consent I had no knowledge until checking my email and credit report.
Product: Credit card

Date : XX/XX/XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Complaint Regarding Inaccurate Late Payment Reporting by Comenity Capital Bank Dear CFPB, I am writing to file a complaint against Comenity Capital Bank regarding XXXX inaccurate late payment items on my credit report, stemming from the transition of my XXXX XXXX XXXX  account from XXXX XXXX XXXX to Comenity in XX/XX/XXXX. These negative marks are unfairly damaging my credit score due to an issue beyond my control : my payment account information did not transfer properly during the switch, preventing timely payments despite my efforts. 
I have been a responsible account holder, consistently paying my XXXX XXXX XXXX balance on time before the transition. However, when Comenity took over, my existing payment detailssuch as autopay settings or bank account infowere not carried over. I was not adequately notified of new payment instructions or account access details in time to adjust, resulting in XXXX reported late payments. I believe this reflects Comenitys mishandling of the transition, not my payment habits. Numerous other XXXX customers have reported similar issues online, citing lost payment info and delays during this switch. 
I disputed these items with XXXX on XX/XX/XXXX providing evidence of my prior timely payments using XXXX XXXX XXXX records, but Comenity has not corrected the reporting. I also contacted Comenity at XXXX XXXX of XXXX to request a goodwill adjustment, but they refused to remove the marks or acknowledge the transition error. 
I request that the CFPB investigate Comenity Capital Banks practices during this XXXX account transition and compel them to : XXXX. Remove the XXXX late payment items from my credit reports with XXXX, XXXX, and XXXX. 
XXXX. Provide proof that my payment account information was properly transferred or notify me of their failure to do so. 
Attached are [ list any docs youre including, e.g., copies of my credit reports highlighting the late payments, payment confirmations from before XX/XX/XXXX, or correspondence with XXXX ]. My XXXX XXXX XXXX account number is [ insert if you know it ; otherwise, omit ]. Please assist me in resolving this unfair reporting issue and restoring my credit standing. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Product: Mortgage

I have been battling phh mortgage for years they keep hitting me with fees and reject every payment I send I have used bill pay my bank they hang up the phone without any resolution everything I talk to somebody I get a different answer they XXXX XXXX XXXX because of the covid pandemic and I have tried to catch up the balance several times and now I can't get them to take my money while adding fees daily this company is a fraud please help
Product: Credit card

I paid for medical services with my credit card ( XXXX XXXX XXXX Signature card ). At the time of payment, The Hospital offered a 20 % discount off the bill if the bill was paid before my wife left the hospital. I paid the bill which was {$910.00} ( {$1100.00} minus XXXX % ). Insurance covered more than what The Hospital had calculated because my wife met the out of pocket maximum, so I overpaid. I contacted The Hospital providing all the calculations and how they owed me {$250.00} as a result of the over payment ( actual bill was {$830.00} minus 20 % or {$660.00} XXXX {$660.00} minus {$910.00} is {$250.00}. The Hospital refused to offer a refund so I immediately contacted my credit card to dispute the overcharge. I provided all the necessary information that Bank of America requested in a timely manner, well under the 120 days required by law. Bank of America sat on the request and did nothing. They gave me a case number ( XXXX ), but did absolutely nothing. They did not contact The Hospital ; they did not contact me for clarification ; they did not explain anything in terms of why they would not resolve the case. They just sent me a letter saying it was too late. Bank of America did not do its fiduciary responsibility of investigating the dispute. 
This all happened over many months from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently " Denied '' credit. When I tried getting my " Free '' annual credit report from " XXXX XXXX '' they told me " No '' and that I would have to " Pay for it. ''
Product: Mortgage

I had a Wells Fargo Home Mortgage. 
I applied for a home mortgage modification around XX/XX/XXXX/XX/XX/XXXX Wells Fargo Changed my payment schedule And I payed It just as they had instructed me to do on the dates they told to. And now I find out that they reported me to the Credit Bureaus as ( 30 day late payments ) on on numerous occasions. 
The address of the house Mortgage is XXXX, Ga XXXX And Oh by the way, They never modified the mortgage at all.
Product: Vehicle loan or lease

On XX/XX/year> and after I sent Chrysler Capital multiple UCC 9-210 accounting request, the first XXXX received on XX/XX/year>, before my XX/XX/year> XXXX bill due date. Consideration is required for a valid contract, proven only by funds disbursed, which Chrysler Capital failed to provide, violating UCC 3-303. Their non-compliance with UCC 9-210 bars enforcement under UCC 9-625 and I have thoroughly explained this several times on the phone and by written mail, yet they continue collection, repossession attempts, and negatuve credit reporting. Their actions constitute unjust enrichment under 12 U.S.C. 5565, requiring CFPB enforcement.
Product: Debt collection

Guglielmo and Associates filed a Motion to Renew a Judgment from over 10 years ago. They included in their filings that I had been notified and did not file an opposition to the motion. The reason I didn't file an opposition is because I haven't lived at that mailing address they were sending the notices to for over 2 years. 

I spoke with the current residents of that address and they informed me that any mail addressed to me was placed back in the mail with " Return To Sender No Longer At This Address '' So they deliberately misinformed the court that I had been receiving their correspondence when in fact they knew very well that I had not.