23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I established a HELOC with XXXX XXXXXXXX when I purchased my home in XXXX. 

Chase Bank subsequently acquired all of the accounts for XXXX XXXXXXXX in XXXX, XXXX. 

I maintained the HELOC because my bonus compensation was paid at the beginning of each year, and I could draw down the HELOC as needed during the previous calendar year. My HELOC was paid off every year when my bonus was paid. 

I paid off my primary home mortgage in XXXX, and retired in XXXX. I continued to have a HELOC with Chase Bank as a prudent financial planning resource in case of financial need, although I have not drawn down any funds for over 10 years. 

Chase Bank has decided to cease offering HELOC loans, and announced in XXXX that they were shutting down their HELOC arrangements. This was a unilateral decision on their part. ( I contacted Chase Bank and told them that I would like to maintain a HELOC, but they informed me that this was not an option. ) I have received three identical letters from Chase Bank ( dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, stating that I owe {$300.00} for " Recording Costs '' to terminate the HELOC. I would request that Chase Bank cease and desist from demanding this payment. 

I will have now have to pursue a HELOC agreement with another financial institution because of the decision by Chase Bank to cease lending through that channel.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I went to XXXX XXXX/XXXX  on XXXX XXXX in XXXX, TN to try to trade my car for a car they had for sale. I told the salesman - and 2 managers - that I ONLY wanted to use XXXX XXXX for financing because I currently had a car loan with them for 5 years in very good standing. I even wrote this disclaimer in big letters on the first sales contract they gave me. I had their 2 other better deals offered at this time, but went home to think about it and a few hours later called and they sold the car out from under me. Yesterday, they called me about dealing on another car if they get onXXXX in. I said yes and then when I got home last night, they had sent my application to 13 other finance companies without my permission. I got emails from a credit protection company I use, in fact I got 10 emails, so I checked my file and all those inquiries had caused my score to lower 11 to 13 points. All this without my authorization to send my application and NO OTHER CAR DEAL involved with my application from 2 weeks before. This is a violation of the fair credit act and violates my privacy and is in violation of my contract on the first car where I wrote in big letters ONLY FINANCE WITH XXXX XXXX. I want the credit inquiries taken off my credit file and the dealer to make amends for abusing me.
Product: Checking or savings account

I worked with the XXXX XXXX. On XX/XX/XXXX, Iam supposed to get my direct deposit representing my paycheck for period 1. However, upon checking the XXXX payroll portal, my banking information was changed and my paycheck was deposited to another bank. The bank was XXXXXXXX XXXX who operates Chime Bank. 
I called and email that bank and all I received was acknowledgment of my email. I contacted the XXXX accounting unit and the XXXX cyber crime unit who sent several letters to that bank only to be informed that the bank can not return the funds stolen since the account was already closed.
Product: Money transfer, virtual currency, or money service

BinanceUS has updated their privacy policy to require users submit " biometric '' data to the company. Rather than agree to this policy, I would like to close my account and withdraw/transfer my funds. BinanceUS has no mechanism for this, and won't let me access my account/funds without accepting their updated policy. 

BinanceUS has not responded to my email/message to them regarding this.
Product: Debt collection

In XXXX, I was out of contract and was charged for one month of service in error by XXXX XXXX XXXX I switched cellular providers and did not receive service from XXXX XXXX XXXX in this month. One month of cell phone service was then sent to XXXX XXXX Solutions Collections. XXXX XXXX just re*aged my debt to reflect a new account that was opened in XXXX of XXXX. XXXX. I was never given the opportunity to dispute the charges of XXXX XXXX XXXX  prior to being sent to collections as I did not know the debt existed. I never verified the debt nor did I receive notification to do so. I never received notice to dispute this debt either. I have a filed a dispute with all three credit reporting agencies and demand this removed from my credit report immediately or I will be seeking legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I would like to place a formal complaint against Transunion, XXXX XXXX XXXX for violating my FCRA rights and my privacy. They have placed a public record on my consumer report that should not be there : XXXX XXXX - XXXX XXXX XXXX  - XXXX # XXXX. TransUnion said they verified it but I reached out to the courts who verified that they do not report bankruptcies to the credit bureaus. I have attached the letter that I received from the court. They are in violation of my rights pursuant 15 usc 1681b under permissible purpose. They never validated nor verified anything with anyone at the courts. Transunion is violating multiple laws including : The reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately. The civil liability law which I will sue under is clearly here : 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Failure to Comply or delete this public record from my report is a clear violation : XXXX XXXX - XXXX XXXX XXXX  - XXXX # XXXX. Code XXXX - Civil liability for willful noncompliance ( a ) In general, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than { {$100.00} } and not more than { {$1000.00} } ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and these inaccurate items must be deleted from my consumer report. The Privacy ACT OF 1974 should be the one and only thing that should get this fixed for me. Please help me get this violation removed from my credit report. It is unverifiable. It needs to be removed within 5 days. For the simple fact it never should have be on my report in the first place!!
Product: Payday loan, title loan, or personal loan

My account number with them is XXXX I applied for a loan to the sum of {$930.00} for a firearm accessory purchase online. The term was 12 months, at {$93.00} a month. 

In XXXX of 2022 I called and requested to pay off the remaining balance and made a lump sum payment if {$580.00}. 

In late XXXX I discovered they still held a balance on the account and had future charges I still owed. 

Between then and now I have called multiple times to resolve this matter. When I talked to a representative they said that what happened was the representative I talked to in XXXX failed to create a payoff process when I requested to payoff the loan. I would need to speak to the billing department over this issue. 

The billing department will not return my calls. I've called and emailed numerous times. My last conversation was a week ago in which I used their chat system to talk to a rep about this issue. They assured me that not only would they reach out to billing, a supervisor would call me back. 

I have not heard back. 

They refuse to address this issue.
Product: Consumer Loan

Citbank just took over for Brooks Brothers credit. When they switched to this new bank, payments made the same day did not post. Next, I began receiving 3-4 " robo '' calls a day ( and night ) from Citi asking for payment ( and it was n't even 30 days past payment date- even though I paid and they never posted the check ). The volume of calls was ridiculous and unwarranted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Experian and XXXX multiple times, to advise them that my information is floating around on the black web. I also advise them that the inquires on my account are not initiated by me and someone else is using my information, without my permission. I have already called the non-emergency line for the police department, which they advise me there is really nothing they can do. I told each rep from the credit reporting agencies to provide me with a wet signature to show proof that these inquiries are mine, there has been no credit under those inquires attached to my account. Both rep for each credit reporting agency only kept transferring me to different departments, no one could provide me with what I was looking for or proof that it was actually me that applied for these items. I am requesting Experian and XXXX to provide me with competent evidence that these inquiries were in fact authorize with a bearing wet signature for permissible business purpose. All of the inquires on my account from Experian and XXXX must be deleted from my credit report immediately. Delete all the misleading information and unauthorized inquires on my credit report. This is way fraud has been placed on my credit report, even though it does not help or stop the use.
Product: Checking or savings account

On XXXX XXXX, 2017 I went inside the Wells Fargo brand on XXXX XXXX XXXX in XXXX, GA with a check valued at {$8400.00} in attempted to deposit {$7000.00} in my checking account and receive the balance ( {$1400.00} ) in cash. I received the cash balance and was asked by the Teller if I needed a paper copy of the deposit slip and I decline it. I waited 10 days to insure the check had ample time to clear but the funds where not in my account. I contacted ( via phone ) a Personal Banker with whom I 'd done business in the past. I informed him of what had happened and he agreed to look into the matter. Several days passed and I did not hear back from the Banker. Subsequently I reached out for the gentlemen again but found no relieve, just " noise '' that hey had looked into the matter but had no record to the transaction. I requested he or the Branch Manager review the proof work to resolve the issue. Again I heard nothing from the Personal Banker. I then spoke with the Branch Manager and she agreed to work on resolving the issue. With no resolution I was able to retrieve the information on check including name, date, number, etc ... and provided it to the Personal Banker. To date there has been no more communication from Wells Fargo nor has the matter been resolved. Thank you!
Product: Checking or savings account

Chase has options on to report problem and dispute that does not work. They keep reverse charges of dispute when I dispute charges from XXXX XXXX XXXX  because I do not wish continue services because I was mistreated in the Dental by the Office Supervisor Referrence Number XXXX {$750.00} and {$270.00} while in in dental chair and process of treatment I ask to leave the dental chair to make an payment like it could not be upon completion. I request another dispute for pillows that was purchase supposed XXXX XXXX and I wash it two weeks ago and it still not dry and moldy smelling and while filing the claim I ask about and husband and if he was in the Military what that have anything with filing claim and why do the customer services answer the phone question you about the dispute and know they can not help and making me to continued to repeat myself. XXXX Referrence Number XXXX
Product: Credit card or prepaid card

While on a XXXX XXXX XXXX cruise, they advertised through multiple verbal presentations that signing up for the XXXX credit card and transferring your shipboard balance to the new card would garner a 0 % promotional interest rate on that initial balance. After a couple months of payments, I noticed that my balance was not dropping as expected and then found that it had been charging interest the entire time. I contacted Bank of America ( the issuing bank ), and they stated they can not control or speak to promotional offers made by the cruise line ( as a co-brand the company can develop promotions as they see fit ). The XXXX call center stated they have no way of seeing past promotions or what I might have been offered. I sent an email to XXXX corporate and have not received a response.
Product: Credit card or prepaid card

Trying to link XXXX to my Capital One card account for monitoring charges.  Capital One doesn't allow external applications to access my account.
Product: Credit card or prepaid card

In early XX/XX/XXXX I received an offer from US Bank/REIMastercard with a limited time offer of {$200.00} gift card, 0 % introductory apr on purchases and balance transfer for 18 billing cycles offer made within 30 days of opening account, so XX/XX/XXXX I applied and was approved on XX/XX/XXXX so last week I go to do the balance transfer and once I hit the complete button I get a message to call customer service regarding completion of the request, so I called the number on the card and speak to a representative from US Bank and was told that I only had one offer and that was for {$100.00} dollars REI gift card not the intro balance transfer I was speaking about and the she told me that she could not assist me any further and transferred me to the underwriting department, who wanted to know why I was transferred to them I explained my situation again and was told to call back in three hour and they would be able to tell me if such an advertisement could be sent out, well I see I was going to get the run around so I decided to contact you agency for assistant.
Product: Debt collection

Repeated attempts to collect a debt not owed. Repeated harassment. The information forwarded over from Nelnet and the prior complaint is not truthful nor honest it is not a contract that was ever signed between Nelnet and the original creditor known as XXXX XXXX at the time. Nelnet sent over documentation without the proper documents. The document sent over or not truthful or correct and there is redacted lines. Known it is a third party outsourced for-profit corporation that has never had nor will ever have written express permission from XXXX XXXX or from the federal student loan department that gives Nelnet the right to have my personal or private information. This is a matter of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICED ACCOUNTS ON DISPLAYING ON MY CONSUMER REPORT THAT ARE A VIOLATION OF MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED IMMEDIATELY.
Product: Checking or savings account

I tried to cancel a transaction by filing a dispute & evidence to help them investigate & both times it was denied when I provided everything they needed. When I ask for documentation back they only have my documents no documents from the merchant so I dont know why I am being denied. I told them the merchant cancelled & has not given me my full refund back so I had to go through Chime to dispute it & they dont even tell me why they denied it they just show documents used to come to their conclusion & say that no error occurred no other information is given to me.
Product: Credit card or prepaid card

I made 2 payments and they keep putting my payment on hold for 7 days
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX Balanced {$0.00} XXXX  XXXX / XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balanced {$0.00}
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

On XX/XX/2018 I used my American Express Serve card to issue a check payment for {$1300.00} for the payment of my nephew 's rent. American Express Serve then stated via their website that the payment would be mailed out on XX/XX/18 and that the payment was guaranteed to arrive on XX/XX/18. On XX/XX/18 I received a phone call from my nephew 's landlord and she stated that the rent check was not received as of XX/XX/18 and since then I have spoken with her two additional times and as of XX/XX/18, no payment had been received by her. On XX/XX/18 I called American Express served I requested they place a stop-payment on the rent check and issue a credit to my Serve account. They initially stated on XX/XX/18 that my account would be credit on XX/XX/18, on the XX/XX/XXXX I called American Express Serve to tell them my account was not credited, they then said I would be credited in 10 Business days or up to 45 days. Every time I call they tell me a different estimate of when I will receive my money back, even though the check they mailed out has never been received or cashed.
Product: Mortgage

I previously submitted a complaint with the CFPB. I learned today from XXXX, through your office, my complaint was denied. She read me the letter from the bank 's representative, XXXX XXXX. I have talked with XXXX XXXX since my complaint was filed at least twice and he never mentioned the reasons for their denial. I am outraged and appalled. Never had the bank or any of its representatives mentioned to me that my loan was submitted through the Community Reinvestment Act ( CRA ). My loan, I learned today, was approved through XXXX as my income was " too high '' to qualify for the CRA. As a result, the {$2500.00} credit that was continuously stated on the bank loan documents is not being refunded. My closing costs were almost doubled to {$11000.00} due to the CRA denial ( $ XXXX {$2500.00} = {$6100.00} ). Not only that, but during my conversation s with XXXX XXXX, I pointed out the bank delayed the closing of the mortgage loan with continuous requests for multiple XXXX 's bank statements, pay-stubs from my wife, two P & S extensions from the sellers, which caused substantial extra costs for rental and condominium fees. I was fortunate this did not cause the sale to collapse. I 'm attaching previous documents submitted as well as additional information. I expect the bank to refund these additional fees and expenses which has resulted in substantial costs to close the loan in XXXX 2016. Not only that, they ignored my initial requests last year, on multiple occasions, which I also mentioned to XXXX XXXX. All his seeming assurances to me were apparently just a time stall tactic. I hope that this new complaint is speedily resolved to my satisfaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX. XXXX ' Acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am in the process of applying for employment and have been informed by the HR department that negative items on my credit report are adversely affecting my chances of securing a position. A legal friend of mine has informed me that I have the right to dispute the accuracy of this information, which appears to be in violation of 15 U.S. Code 1692e, prohibiting false, deceptive, or misleading representations in debt collection.

According to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable inIf you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 15 U.S. CODE 1692E - PROHIBITING FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS IN DEBT COLLECTION. 
XXXX XXXX XXXX Account # XXXX Delete this account. 
15 U.S. CODE 1692E - PROHIBITING FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS IN DEBT COLLECTION. 
Child Support Enforcem Account # XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the nth time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX  XXXX XXXX XXXX BALANCE {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the three credit bureaus on XX/XX/2022 to inquire about some inquiries that I do not recognize. I asked the credit bureaus to provide me with a credit application because I don't recall making such inquires. I asked them to verify and send me proof of the credit inquires because I don't believe the creditor or the credit bureaus are abiding by the law of permissible purpose, because I don't recall ever making such a request for my credit to report to be pulled. I've sent multiple letters to all three bureaus and I did not receive anything back from Experian in which I know they are illegally Ignoring me. XXXX sent something back stating I have to contact the creditor directly and XXXX never got back with me either. I have mail receipts via USPS and It says it was delivered to them. I've sent multiple letter addressing the issue and they have done nothing at all but violate the FCRA. I took the matter in my own hands and reached out to each creditor and none of them can verify the credit application used to determine the inquiry they listed. I believe the credit bureaus are not reading my request and are just sending out pre template responses.
Product: Debt collection

In XXXX  I was a victim of Identity Theft. I have asked the company repeatedly to show me who opened up this loan in my name with refusal to do so. They have not given me the opportunity to validate this debt and refuse to show proof it was I who opened this loan.