23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/year> dispute Chase Bank discriminated. 

Chase Bank is wrong. 

Chase Bank representative statement, " XXXX '' Question XXXX XXXX XXXX XXXX wrong?XXXX 

XXXX statement. XXXX stated. 

Chase Bank discriminated. 

Chase Bank is wrong. 

Privacy Act Law XXXX XXXX XXXX XXXX provided XXXX different receipts for the same transaction with an amount showing XXXX. 

XXXX charged XXXX for the same transaction. Reported to XXXX XXXX, XXXX, and Chase Bank. 


Chase Bank website is not working to upload receipt, transaction documents from XXXX XXXX as Chase Bank representative stated was needed. 

Chase Bank, XXXX, XXXX XXXX and CFPB and FDIC violated 8th amendment, Civil Rights Act Law, Discrimination Act Law, Human Rights Act Law, HiPAA Act Law, Constitional Rights Act Law, Privacy Act Law, and XXXX XXXXXXXX.
Product: Debt collection

I ordered service they never delivered the device so i called and canceled. They canceled it and told me is account closed. After 6 month later i see this account in collection please help me fix it.
Product: Debt collection

I have sent multiple certified letters asking them to validate this account with my signature. I only received account information and they did not show proof of my signature. They refuse to delete this information from the credit bureaus.
Product: Credit card

I had a XXXX XXXX that was linked to XXXX XXXX. I bought a flight with this card and had to cancel due to a medical emergency. I called AMEX and they sent me to the insurance company XXXX to file the claim. They said my policy is not with them, but with XXXX. Since then I am trying to get the correct email so I can send the documents to use the insurance and get my money back. I wrote several email, chats and tried to call several times and got no help. It seems they do not want to pay and the travel insurance do not work. They try to get me tired and forget about the claim. Very bad service!!! I want my money back!
Product: Vehicle loan or lease

XXXX XXXX charges {$12.00} a day for interest and that is completely insane. I have already payed {$21000.00} into the truck & when I called about a XXXX  day payoff the want almost {$13000.00} on a vehicle that the blue book value is only {$3.00}. I just want to get out of this contract if at all possible. I have had to get a new engine put in as well as had electrical issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified the bureaus that the information that is being reported is not only inaccurate but also a violation of my federally protected rights as a consumer and they continue to report the information continuing to cause irreversible damage to my reputation as well as causing financial harm to me as a consumer.
Product: Credit reporting

I requested a credit report for all XXXX of the credit bureau report on my credit. XXXX and XXXX has my score at XXXX when I check Experian they report my credit at XXXX, which is over XXXX points difference from the other XXXX bureau. I wrote them a letter 30 days ago and still have not received a response. The reporting is creating havoc on my qualification for credit. The selection above does not match my issue with Experian
Product: Credit card

For the quarter XXXXXXXX XXXX I selected home utilities as one of my two 5 % reward categories for my USBank XXXX XXXX. In fact I paid my home utilities using this card, which caused me to incur transaction fees on each utility 's payment website. Because the transaction fees were less than 5 % for each payment, I thought it worthwhile to use this card. Pursuant to USBank marketing and promises, every home utility payment I made using my XXXX XXXX should have incurred 5 % cashback as a reward, which would offset the transaction fees. However, USBank assigned my home utility payments only the default 1 % cashback. Hence I lost money using this card to pay my home utilities. 
On XX/XX/year>XXXX I contacted USBank to request posting of the earned 5 % rewards. The representative I communicated with did not know why the 5 % rewards had not posted, and promised that the " research team '' would get back to me. USBank then sent me a letter declining to post the missing rewards.
Product: Credit reporting

This is an addendum of complaint # XXXX regarding Equifax. I am entitled to a free credit report and after FINALLY finding the location to request a copy of my report and being told to call or write to access my report I called their phone # where I was told to send a copy of my XXXX, Social Security card, a pay stub, drivers license, utility bill, my name, address, social security # and date of birth. Yet, if I want to purchase a copy I can gain 24/7 access in 5 minutes. This is NOT RIGHT! I, as a consumer, should not have to bare a more burdensome means to obtain a report that I am legally entitled to receive, than for that which consumers can pay for and access in 5 minutes.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFBP lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial and Zelle failed to investigate my claims adequately. they informed me that recovering funds were impossible and tracking these funds were unforeseeable. the CFBP finding indicates that zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about safety.
Product: Checking or savings account

I received promotional mail to open HSBC advance account, by XXXX XXXX, 2019 keep $ XXXX for 90 days and receive {$370.00} in 8 weeks after meeting the 90 day rule. I followed the instructions - there was option to apply online at : us.hsbc.com/earn375 - I applied on XX/XX/XXXX and received the below confirmation however I still have not received the {$370.00} welcome deposit ( last call XXXX XXXX, 2019 ) and HSBC is declining on the basis that I have not applied on the advertised website. However when I applied I received confirmation on XXXX XXXX, 2019 : " You've completed the online application ... You will automatically receive the {$370.00} Welcome Deposit in your new HSBC Advance checking account within eight weeks after completing all qualifying activities. Its that simple. '' HSBC is ignoring my attempts to provide them with evidence of the mail promotional material or the application ID as they say their system does not allow to attach snapshots or I can't e-mail customer service due to security concerns, they also can't put me in touch with Marketing or any of their managers because the person who took my case is the one who need to talk to me but he is never available for the last 20ish days. I brought the mail to a HSBC branch and asked the rep to photocopy it and attach it to my case, he did make a copy but could not find out where to attach it because noone responded to his query. I called multiple times to ask how to provide this evidence for their investigation but they don't know how to respond and generally waste your time on the phone, l have called 5 times already, and it takes 15-30min on the phone to get another promise someone will call me in 48 hours and first noone ever calls, it has been 6 days so far since the last call and I don't really think they need to call just deposit the money. It's that simple.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report I have the following account reporting XXXX XXXX Account # XXXX. I have no idea what this may be. I have reached out to XXXX XXXX to which they never responded with any documentation showing what this is and more details on this account.
Product: Credit card

I opened a Capital One Venture XXXX  credit card based on their advertised robust travel services, which they provide through the Capital One XXXX XXXX. On XX/XX/year>, I booked a XXXX XXXX ticket for {$110.00} through this portal for travel on XX/XX/year>. I later rescheduled the ticket to XX/XX/year> through the same platform. Capital One XXXX did not inform me of penalties or fees tied to cancellations or rescheduling. 

Following this, I decided to cancel the ticket through Capital One XXXX today ( XXXX, 2024 ), as I was assured by the platform interface that XXXX would provide an airline credit worth the ticket price to my account for future use. However, when I tried to utilize this airline credit, Capital One XXXX informed me of a {$99.00} penalty being imposed on my account, allegedly on behalf of XXXX, because of the cancellation. This penalty was not communicated to me when I rescheduled or canceled the ticket. 

I reached out to Capital One XXXX via customer hotline to resolve the issue, pointing out their lack of transparency, but they refused to take responsibility, instead directing me to contact XXXX XXXX. XXXX, in turn, stated that since the ticket was booked through a third-party agency, any concerns should be addressed with Capital One XXXX XXXX 

I was shocked by this response and felt trapped in a situation where neither party was willing to provide clarity or resolution. Upon further research, I discovered that many customers have encountered similar problems with Capital One XXXX. It seems that customers are lured into opening credit cards like the Venture XXXX, which has a {$390.00} annual fee, with promises of robust travel support, only to face poor service and hidden penalties when utilizing these advertised benefits. 

This lack of transparency, combined with the failure to disclose material terms about penalties, feels deceptive and exploitative. If I had been informed about the {$99.00} penalty upfront, I would not have proceeded with the rescheduling or cancellation. 

I am requesting that the {$99.00} penalty be removed from my account, as it was never disclosed during the transaction. Additionally, I hope that the CFPB can look into Capital One XXXX 's practices and advertisements for systemic issues that might be harming customers in similar ways. 

Thank you for your attention to this matter.
Product: Prepaid card

My rush card been inactive status over 11 week please help My cell is XXXX XXXX XXXX XXXX La XXXX XXXX XXXX XXXX XXXX please I have XXXX babies if my lights go off the state gone take my children and possible eviction
Product: Credit reporting or other personal consumer reports

Experian has failed to uphold 623 - 15 U.S.C. 1681s-2 ( 5 ) ( A ) of the Fair Credit Reporting Act by not having XXXX XXXX XXXX provide Experian with the date of delinquency on the account. The date of delinquency shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action of XXXX XXXX XXXX reporting the collection account. XXXX XXXX XXXX should have provided the date of delinquency no later than 90 days after furnishing the information. By looking at the document provided in this complaint showing the account on my Experian report, it has been well over 90 days after XXXX XXXX XXXX reported the account to Experian and XXXX XXXX XXXX has not reported the date of delinquency to Experian.
Product: Credit card or prepaid card

When applying for a credit card through Chase Bank ( in partnership with XXXX XXXX ) as advertised in the check-out process on XXXX 's  website ( XXXX ) I was supposed to receive a {$100.00} credit for the transaction through the website today of purchasing airfare on XXXX 's website, as well as miles from the purchase. Neither of those things happened. 

In speaking with XXXX and Chase Bank, it appears that somehow on the back end my information was lost in the purchase process, and, that Chase Bank has no record of me applying for the card found at the link below. 

The link below is like the one I clicked during my transaction, and it clearly states that should be receiving a {$100.00} statement credit. 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

After reviewing my credit report I have found an collection account listed as NCC BUISNESS SERVICES collections with the account number XXXX in the amount of {$1400.00} of which I was not aware of. I have never had any business dealings or communication with this company so there is no reason for them to be reporting an unpaid collection on my report.I did not receive any correspondence from this creditor prior to the posting of this collection on my credit report, in fact I just received a letter from XXXX dated XXXX XXXX, 2017 giving me 30 days to respond and rectify this account. Well as you can guess it has not been the allotted 30 days for me to respond and it already has been posted to my credit report. So, they should not have posted this account to my report for the reason of not giving me adequate notification to respond to the debt.
Product: Checking or savings account

Bank of America locked my account on XX/XX/ and frozen my money no reasons for long time! Tried to call their customer service many many times and told me my case still under review, nobody know when can return my money the most important thing is different customer service and gave me different answers.Just asked me to call them later later!! Nobody help me to resolve my problem! My accounts balance is XXXX now, I cant pay my rental and my household fees now! I am so disappointed with Bank of America. Complain about their service. Never open their account again.!
Product: Credit card

Hello, I received 2 collection calls and 2 past due emails from Bank of America. Collection calls! I 'll admit that we have n't been the timeliest this year, but we did bring the account current on XXXX XXXX, 2015. The XX/XX/XXXX statement shows New Balance Total XXXX $ XXXXTotal Minimum Payment Due XXXX .XXXXPayment Due Date XXXX XX/XX/2015We paid {$310.00} on XXXX/XXXX/15, which should have brought our account to XXXX min. balance due by XXXX/XXXX/15. Now the statement showing the XX/XX/XXXX amount due as this : New Balance Total XXXX $ XXXXTotal Minimum Payment Due XXXX .XXXXPayment Due Date XXXX XX/XX/2015They were saying that I now have a past due amount of {$190.00}! 
New Balance Total XXXX $ XXXXCurrent Payment Due XXXX $ XXXXPast Due Amount XXXX $ XXXXTotal Minimum Payment Due XXXX $ XXXXPayment Due Date XXXX .XXXXI spoke the a representative this morning who said that it was all in error and that they would get this fixed, however I feel the need to file a complaint. The way they handled this was harassment. The rep did not even apologize. It 's not right to receive collection calls or emails when you have paid! I do not want to see this reported to the credit bureau for their errors. I also see that they repeatedly make these kinds of errors with many other customers. A giant bank should get their act together. Thanks for reading.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft. I have attached a signed and notarized FTC affidavit. The following accounts were not opened by me : 1 ) XXXX Acct # XXXX 2 ) XXXX Card Acct # XXXX 3 ) XXXX Acct # XXXX 4 ) XXXX Acct # XXXX 5 ) XXXX Acct # XXXX 6 ) XXXX XXXX Acct # XXXX 7 )  XXXX Acct # XXXX 8 ) XXXX XXXX Acct # XXXX 9 )  XXXX XXXX Acct # XXXX 10 ) XXXX XXXX XXXX Acct # XXXX The following inquiries were not made by me related to these account or other attempts to open accounts : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I have a home mortgage with Loan Care. Beginning in XXXX of 2022, Loan Care began to place my monthly mortgage payments into a suspended credit account. I called and the issue resolved. 

In the months that followed, each monthly payment I made was placed into a suspended credit account and was not applied to principal, interest, or escrow. I had to call each month to resolve the issue. 

Two payments processed in XXXX. The payment processed on XX/XX/XXXX was not applied to my XXXX balance ; rather, it was once again placed into the suspended credit account. On XX/XX/XXXX, I sent an email to Loan Care asking them to please apply the suspended balance to the actual mortgage payment due. In that email, I told them that I was so tired of dealing with this issue that I would be seeking refinancing with another mortgage company. 

I received conditional approval from another loan company - except my Loan Care mortgage showed that my XX/XX/XXXX payment was unpaid and overdue. I called Loan Care on XX/XX/XXXX, and was assured by a call center worker that the suspended balance would be applied by the end of business on XX/XX/XXXX. As of today, XX/XX/2022, Loan Care shows my account overdue by 50 days, while the exact amount due on XX/XX/XXXX ( {$1100.00} ) is shown as a suspended balance. I called again today and was assured once again that it will be addressed. 

I am trying to finalize a mortgage elsewhere because of this exact issue. I am extremely hesitant to make my XXXX payment, as I have no faith that it will not be sent to suspended balance purgatory with my XXXX payment.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, my personal information has been compromised and used without my authorization. I am requesting that the following fraudulent accounts be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts to Block and Delete : XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This grounds for removal they also violated my rights under XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section XXXX : is also states a consumer reporting agency can not furnish an account without my written instructions. 




XXXXXXXX XXXX  XXXX XXXX inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Due to the fact I cant work and my husbands job has been impacted, I fell two payments behind. I have been working with Nissan every step of the way to get this resolved. Ive made numerous calls to Nissan. I spoke with one of the service representatives and we came to the agreement that I would need to submit a payment through the online system on XX/XX/XXXX. Then call Nissan on XX/XX/XXXX to continue to work on the second late payment. I was told the account would be documented but I still might receive a phone call every few days. Instead I am receiving several calls daily. Some that arent even an hour apart. I set the payment up online yesterday as I said I would. This morning yet again I received three calls not even an hour apart. Thats just before I filed this complaint. I am sure there will be more.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX VA 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 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

Due to a serious health issue i asked to leave before my lease was up and was told i would still be charged. I had 3 months before mt lease was up.
Product: Credit card or prepaid card

Hi, On XX/XX/2021, I received multiple email notifications for multiple transactions within a couple minutes using my Chase XXXX and XXXX cards through my Amazon XXXX account for a total amount of {$1000.00} in 6 transactions. I immediately reported the incident to Amazon, Chase and XXXX XXXX, blocked my cards, ordered new cards, changed passwords etc. Amazon 's response was like - " not our responsibility.. we don't care.. talk to your bank. '' XXXX and Chase, after their investigations concluded that those were frauds and credit the money back in my accounts. However, Chase rebilled me for 2 of those transactions ( {$300.00} in total ) in the next statement saying that " after their investigation they concluded that those were valid transactions. '' I have provided Chase multiple times all the proofs they asked for, including my Amazon order history, but the investigation seems to be going nowhere -- as if they've already made up their mind. Most recently, I had emailed them all the proofs they had asked for a week ago on the email provided by their rep ( XXXX ) and followed up today as I hadn't heard back from them. I was told they never received the documents and asked to send docs again and wait another 7 business days for them to investigate the case. I've resent everything but what if I hear the same response again next week? 
i am approaching my pay by date, to which the rep suggested that I at least pay the minimum due balance to avoid any late fee. So I raised my concern about not paying the balance in full hurting my credit score, to which the rep said " that's up to your discretion. '' basically what he meant was " that's your problem, we don't care. '' It seems beyond logic to me how they decided that only 2 of the transactions were valid and the rest weren't. I've had so much back-and-forth with them that it almost feels like a mental harassment. 
I kindly request CFPB to look into this. I've attached some documents to support my case and I'm happy to provide any other information needed from me. Thanks.
Product: Credit card or prepaid card

On XX/XX/31, I attempted to login to my Citi account that I have used for years and received an error message. I also received an error message when trying to login on my phone. I contacted Citi support and followed their troubleshooting steps but was still not able to access my account. 

A quick search online reveals a significant number of other people have had this issue due to Citi having poor IT infrastructure. I am still not able to login to my account or pay my credit card bill.
Product: Credit card or prepaid card

Applied for dispute with company at beginning of XX/XX/XXXX. My report says capital one card XXXX dollars never had a card in XXXX especially with a XXXX and something score.Other then my two new cards I have now haven't had a card since I was XXXX and I'm XXXX yrs old now. I tried to dispute through credit journey at beginning of XXXX like I said through one of my new cards application.