23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

For many years I have leased a safe deposit box from Chase. I would receive an annual bill and pay it. The bill would have the reminder that if payment wasn't received, Chase had the right to seize the box and its contents. 
I didn't receive a bill in XXXX ( I assumed COVID might be the reason ). In XX/XX/XXXX I moved to another state, but didn't notify Chase until XX/XX/XXXX when I requested that the rental be canceled. I explained that the box was empty since I removed everything after my mother 's death and never got around to bringing anything back before I moved to XXXX in XX/XX/XXXX. I was willing to pay the fee for that year and a penalty for the key. 
I received a letter from Chase in XX/XX/XXXX telling me they had debited my savings account for rental fees for XXXX and XXXX. Since receiving that letter, I have spoken to Chase representatives many times. They insist that policy dictates that I can only end the rental in person. I've explained that the rental agreement stated if a payment was missed, they had a right to hold the box and its contents. 
Chase has now received two years of rental fees ( XXXX & XXXX ) for an empty box that I no longer use or need, and they will continue to do so each year because they claim that their policy was changed in XXXX. 
I moved to a city that doesn't have a Chase presence, my sister, also on the box, went to a Chase in her city and was told nothing could be done. 
In the meantime, I am being threatened that my credit can be harmed, access to some services has been partially restricted and I've been waiting twice as long as usual for a replacement debit card. I was forced to pay {$160.00} for an empty box. I can expect to pay it again next year if something isn't done. I am XXXX years old and they expect me to travel back to XXXX  or get a legal Power of Attorney to end the rental on a safe deposit box when the agreement was pay the fee or lose the box.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed that my mortgage payment was 60 days late when in fact it not now ; nor has it ever been late in the past years. My mortgage was sold to XXXX by XXXX who continued to forward every payment but one to XXXX. When notified by Freedom that I was delinquent, I immediately contacted XXXX who I was still sending my payments. XXXX adopted that posture that they were not going to forward the monies unless I could verify that they received the funds. On several 3 way conversations between XXXX, XXXX and myself XXXX eventually became irritated and finally put the funds back in my account and I promptly made the missing payment. All entities knew that they had the money, were stalling with payment in an effort to assassinate my credit. XXXX at this point wasted no time in pulling my pants down to my ankles. Bending me at the waist. And proceeded to XXXX XXXX me with the 60 day late connotation, ruined my opportunity to secure my refinance attempt at less than two percent and losing out on an auto loan for the classic car of my dreams. There is no doubt in my military mind that this was not a planned maneuver on both parties parts. Credit has and remains a tool of privilege for those without melanin and a dagger in the heart for those believed to have too much melanin. It is extremely sad when mortgage conglomerates work in concert to ensure that the average XXXX man will never have favorable credit. It's about control.
Product: Credit reporting, credit repair services, or other personal consumer reports

I live in Louisiana during Hurricane Katrina the address that I received a govt grant for was XXXX XXXXXXXX XXXX  XXXX, LA XXXX. The govt requested that I provide proof of residency which I did. Several people in different cities claimed that they lived in my home and the govt said that i did not live there that's why i have to repay the grant money I received and this is not correct. I verified I live at that property, so this should be removed from my credit report.
Product: Mortgage

I have had a mortgage with greentree for 20 years, and it 's been a nightmare with threats to come to my home move me out if I did n't get my payment in and will sue me, next thing i know I had thousands of dollars added to my mortage. Threats at my boys : they Told my boys " they are losing there home need find place to move, contacted my mom asking her to come up w/money or ill lose my home /contacted my X - mother law hitting her up for money. Now I been trying for loan mofication for a year greentree would deny mofication because they did n't reviewed required documents. I sent in what I was suppose to over and over again. I have contacted my state attorney general 3 times they are NO help!!! 
Greentree sold my home behind my back when they said I was finally approved for deferral, next thing I get was a letter telling me to vacate home. I have my son and grandson ( XXXX ) living with me I have been verbally abused threaten and put under extreme pressure ( XXXX, missing work XXXX ) from years of abuse from greentree.I have worked all my life, I had XXXX good jobs, but with 20 years of declining work force ( which I did n't create ) I fall behind on mortage. Greentree lie and deceived me and should be shut down. Now I have to scrap up money to get a lawyer to help me stop the sheriff serving me papers to vacate. Greentree has billed me XXXX for attorney fees court ect. I was only XXXX behind when I started mofication, now I owe them XXXX to stay in home. Can you please help? I have all documents from start to finish. 
Thank you XXXX XXXX XXXX
Product: Credit card or prepaid card

Chase was unreachable by chat or phone after numerous attempts on multiple days. Its website said this was because of the COVID-19 pandemic, which Chase had apparently not adequately prepared for. 

On XX/XX/2020, I requested by secure message for Chase to close the credit card immediately. Chase did not do so, and instead said my request was referred to the fraud department. 

On XX/XX/2020, I again requested by secure message for Chase to close the credit card immediately. Chase did not do so, and again said my request was referred to the fraud department. 

As of XX/XX/2020, the credit card is still open. The credit card has a {$0.00} balance, has always had a {$0.00} balance, and all the fraud department can do in case of fraud is close the account anyway so I don't know why the account is still open. Chase provided no explanation of why requesting the closure of a {$0.00} balance credit card is fraud. I requested the account to be closed through secure messaging after logging into the account, with " secure '' messaging suggesting that Chase believes this method of communication is secure. 

I have the following request of Chase, which is the same as my previous requests : Close account immediately. 

I should not have to make a dozen attempts over two months to close an account with no balance. I have no credit card statements I can attach to this complaint because Chase has not generated any. Chase has not generated any because there has never been activity posted to this credit card.
Product: Checking or savings account

Multiple instances Ive had money shown as being attached to my account but the money was not there and I was charged overdraft fees
Product: Credit card or prepaid card

I received a general Prepaid Mastercard from XXXX ( XXXX XXXX XXXX XXXX ) last year at this time. Given the current conditions with Covid, I was unable to completely spend the balance on the card prior to the expiry date. I reached out MyPrePaidCenter.com to request a reissue of the card with the remaining balance but they refused. After reviewing the information provided on your bureau 's website, I should be entitled to a reissued card with the remaining balance on it. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a car loan recently ( last month ). My credit score was XXXX. All of sudden, my credit score went down XXXX points ( please attached proof ) a few days ago from XXXX XXXX XXXX. I found it very unusual and unfair for my credit to be significantly impacted that way. I work hard to improve my credit. I just dont think it is correct for my credit to go down the way it did, especially when I have made payments to pay off a debit and to keep my account current. I want your help to correct the error in my credit score reporting.
Product: Credit card or prepaid card

My father, XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX, died on XX/XX/2019. He held a Cash Back World Card from Citizens Bank, card number XXXX XXXX XXXX XXXX. I called customer service at XXXX to cancel the account on XX/XX/19 and again on XX/XX/19. I also  asked for the earned cash rewards. My dad had earned {$100.00} in cash rewards through loyal use of the Citizens Bank CC. The Citizens Bank phone reps canceled the card but said that they could not pay the cash rewards because they are not payable once a person dies. I have reviewed the terms of the World Card available online and can not find such a restriction. Even if such a restriction exists, it would be both in fine print and a business ' misleading and underhanded means of dishonoring a promise wherever it can easily do so. That's exactly the kind of business that the CFPB exists to counter.
Product: Credit reporting or other personal consumer reports

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

UNAUTHORIZED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

My name is XXXX XXXX earlier this year I filed a complaint against M & T Bank CFPB Case No. XXXX, my request was denied because the Bank said I never sent documentation supporting my refund request, in email I will prove I submitted proof not once but " twice '' to XXXX XXXX email address XXXXXXXXXXXX. Attached is copies of XXXX emails sent to XXXX XXXX employee of M & T Bank in XXXX XXXX Maryland email address XXXXXXXXXXXX on XXXX XXXX, XXXX @ XXXX and again at XXXX on the same day. Based on the fact that I did send in proof of me informing XXXX XXXX over and over again that I was being over charged and also asking them over and over again for my refund in writing, meets the requirements that you asked me to submit to you in your letter dated to me XXXX XXXX, XXXX. Therefore, I would like a full refund of my previous request to all fees put back into my account effective immediately. 
Thank you!
Product: Checking or savings account

In XXXX and XXXX, I encountered significant and troubling issues with Wells Fargo involving unauthorized financial activities and mismanagement of my accounts. Specifically, funds were misappropriated from my existing accounts, and new accounts were opened in my name without my consent. Additionally, I was enrolled in various services and products unexpectedly and without my authorization. 

Details : Date of XXXX : Between XXXX and XXXX Amounts Involved : Although the exact amounts are varied, the unauthorized transactions resulted in significant financial discrepancies in my accounts. 

Actions Taken by Me : XXXX. Contacted Wells Fargo Customer Service : Upon discovering the discrepancies, I promptly contacted Wells Fargos customer service to report the unauthorized transactions and account openings. 
XXXX. Requested Investigation : I requested a thorough investigation into the unauthorized activities and demanded the closure of all fraudulent accounts. 
XXXX. Monitored Accounts : I meticulously monitored my accounts for any further unauthorized transactions and reported additional suspicious activities to Wells Fargo. 
XXXX. Documentation : I kept detailed records of all communications with Wells Fargo, including dates, representatives spoken to, and reference numbers for my complaints. 

Actions Taken by the Company : Initial Response : Despite my prompt reporting, Wells Fargos initial response was inadequate. They did not provide a satisfactory resolution or clear explanation for the unauthorized activities. 
Continued Unauthorized Activities : Even after reporting, new accounts and services continued to be opened in my name without my consent, exacerbating the issue. 

Impact : This series of events has caused significant stress, inconvenience, and potential damage to my financial standing and credit. The unauthorized use of my personal information and funds is a severe breach of trust and security.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Debt collection

I called XXXX card customer service about an old credit card debt from about 10 years ago. They referred me to Zakheim Law Group and provided the phone number. I contacted Zakheim Law Group and requested written information on the debt, including payoff. They requested that I fax a signed statement that I was not being represented by an attorney before they would speak to me. I complied. I called again and requested the written information about my debt. They said they would have it to me by the end of the week. They did not. I called again Monday, they said they would have it to me by Wednesday. They did not. I called again and was told they would have it to me by Friday. They did not. I called again the following Monday and could never get a person on the line. I called again Tuesday and could not get a person on the line. I called XXXX card. The XXXX XXXX representative attempted to contact Zakheim Law Group as well, and was unable to reach anyone after a very long hold. So, ultimately, after more than 2 weeks and a multitude of phone calls and requests, I still have no written  statement of my debt. In the meantime, there is a lien on my home, and interest continues to build daily ( as I was informed ).
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is 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, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

I have been tryin to loan mod by carrignton, I have turned in all paperwork they keep asking month after month. i sent in payments and they have never applied them to the balance. then they have denied my loan modification with no reason I have requested reason and still refuse to give me one.
Product: Debt collection

To whom it may concern, I am writing to delete the following information in my file : XXXX XXXX XXXX Account # XXXX and XXXX My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates. 

I need your help to have this item removed from my credit report as soon as possible, please. 

Thank you, XXXX XXXX
Product: Checking or savings account

I'm a longtime Capital One customer, and I do most of my banking on my phone. When I checked my balance on XX/XX/XXXX, I got a message saying the bank was having " technical difficulties ''. In the evening of XX/XX/XXXX, the " technical difficulties '' still persist. My salary, due on XX/XX/XXXX, didn't appear in my checking account. Capital One is providing no meaningful information, no timeline for the restoration of services. When I call them, I get ping-ponged by a robot, and when I finally get through the idea that I want to talk to a human, I get a message that my wait time is 114 minutes!

I wonder if Capital One has any idea how devastatingly bad this is. A bank has two jobs : keep my money safe and give it to me when I need it. Capital One has utterly failed at both.
Product: Credit card

I paid my Comenity/Ann Taylor card in full by the due date of XX/XX/XXXX and asked them to close the account. I received a subsequent statement with a {$2.00} interest charge and asked them to credit the interest charge as a courtesy since i paid my balance in full and was no longer using the card. This request was made via email in their portal on XX/XX/XXXX. Since then, they have continued to charge me interest and late charges on the {$2.00} so that the balance now totals over {$48.00}. See the details below : XX/XX/XXXX MINIMUM INTEREST CHARGE {$1.00} XX/XX/XXXX LATE FEE {$23.00} XX/XX/XXXX MINIMUM INTEREST CHARGE {$1.00} XX/XX/XXXX LATE FEE {$11.00} XX/XX/XXXX MINIMUM INTEREST CHARGE {$1.00} XX/XX/XXXX LATE FEE {$5.00} XX/XX/XXXX MINIMUM INTEREST CHARGE {$1.00} XX/XX/XXXX LATE FEE {$2.00} XX/XX/XXXX Interest Charge On Purchases {$2.00} XX/XX/XXXX PAYMENT - THANK YOU - {$100.00} I have asked them to credit the fees and I will pay the original interest charge but they continue to ignore me and call me XXXX  times a day to collect the balance. The fees they have charged me are excessive on a disputed {$2.00} balance
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed a negative account on my report that i did not authorize to report. I have tried to reason with the bureaus but i have come to the conclusion they do not care about my consumer report being inaccurate. I did not give any of the credit bureas permission to report this account that is attached below. I have called Experian and let them know this account listed in the attachment below should not be visable on my report. This is illegal!!!!! Unethical!!!! This is Aggravated identity theft per 18 U.S. Code 1028A! I require this charge off be removed from my consumer report.
Product: Student loan

This is in regard to a student loan account with Navient that was consolidated in XX/XX/XXXX and has my loan on it and my wife 's with whom I am separated and seeking divorce from and there is no communication with her so I am filing this complaint on my own. I made 10 payments on this loan from XX/XX/XXXX thru XX/XX/XXXX. Of the approx. {$5600.00} that was paid almost all of it was applied to interest and fees. I know that Navient is under federal investigation for mishandling student loan payments so I stopped paying them in XX/XX/XXXX. I do not know how to handle this situation going forward as I do not trust them to handle payments properly.
Product: Credit card or prepaid card

I purchased airline tickets from XXXX for {$1600.00} with my CapitalOne card. I never got my tickets and then called the airline to inquire about the tickets. I found out that our flights were canceled by the airline. The airline then issued a full refund. XXXX bought the tickets with their credit card not mine, so the refund was issued to XXXX and they did NOT refunding my credit card! 

I have called them several times and just hang up the phone when looking up my purchase. 

I then filed a dispute with CapitalOne and they first said that would take some time to get refund. Then CapitalOne said that they can not help me as the XXXX paid for the tickets with their card. I don't understand why capitol one can not just do a chargeback?
Product: Credit reporting or other personal consumer reports

Please verify these accounts and inquiries, as they contain incorrect and unauthorized information. 

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: Debt collection

AMSHERCOLLECTIONSERVICES Is on my credit report for XXXX account that is not mine. Ive told them and they keep it on there. Please help me get this removed.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit as a XXXX XXXX  member and XXXX XXXX. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : USAA Federal Savings B - XXXX XXXX : USAA Federal Savings Ban
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section XXXX ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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