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

This is not a duplicate complaint and its filing is legal and sustain and the bank accused of wrongdoings is now noticed - - ______XXXX   XXXX______ _______XXXX XXXX XXXX _____ XXXX XXXX VA XXXX- - _____FORMAL legal Complaint and legal notice to stop and cease from any new retaliation and discrimination - -- -///////// Filing Date : XX/XX/2019. 

Chase Bank in a new act of retaliation against my person declined my transaction, impeded my ability to use my account ending in XXXX ( complete account number shown in a copy from the current statement with a rejected due date of XX/XX/2019. This copy is attached to this legal complaint and notice ) - And violated the applicable terms and conditions of the account therefore I have no obligation toward this bank in any way. This Bank motives to those discriminatory and retaliatory adverse actions are : my filing previously within the CFPB and against this same bank and the CFPB has access to those complaints, my rejection in writing to this banks attempt to force me to accept arbitration and my complaint to this bank itself about what I believe its unlawful behaviors against my person. Chase Bank or chase card services or any company that has Chase in its legal business name and operate in the U.S by those acts committed toward me it has violated the Consumer Financial Protrction Act of 2010 reform ( CFPA ), The Equal Credit Opportunity Act ( ECOA ), Civil rights Act and other laws or regulations and/or their provisions prohibiting retaliation or discrimination toward consumers or anyone who report a company to the CFPB or any regulator. I attached the receipt that shows the decline of my purchase by Chase and this Bank ( Chase ) chose not abide by the law and terms and any new aggression or adverse action from this Bank against me is going to be very reckless and it should have severe legal consequences on this Bank. 
_ - This bank is now notice to cease and stop from any negative act or any adverse action or any retaliation type against me ; and any matter between me and this Bank is now disputed legally - any new aggression or alike or any type of harm against me will then justify any legal action I will then take I reserveu right to take any legal action I see it appropriate and at any time and workout any prior notice of any kind to Bank - - I attached also what prove that as of this moment I should have a credit limit of over {$4000.00} I reserve all my rights - e- - - - All stated herein is to my current states belief, knowledge and understanding and it is all subject to any change or correction of any kind and at any time and by my person or legal counsel and without any notice and without waiving my rights .- - - Thank you, - - The complainant ( XXXX XXXX ) today XX/XX/2019.- -
Product: Credit card or prepaid card

My Credit card company just reduced my avail credit by nearly 40 %, received letter dated XX/XX/XXXX after I made 2 large payments ( {$10000.00} XX/XX/XXXX and another for {$4500.00} on XX/XX/XXXX ) to cut my available credit from {$22000.00} to {$13000.00}. Their action significantly reduces my flexibility. Ive been with this card since XXXX nearly 20 years, have NEVER missed a payment and have maintained a mid XXXX credit score. Im furious with them. I would not have made those large payments if I knew they would cut my avail credit. When I called them, they stated the only way to even be considered for a credit line increase, would be to re-run my credit score. No way will I let them rerun my score, the letter they sent me stated XXXX had me at XXXX on XX/XX/XXXX, why rerun my score? Their letter and my conversation with customer no service stated " balances owed on accounts too high '' and " balances on accounts are too high compared to credit limits '' They just did that too me for sure by reducing my limit bringing balance and amount owed too close again. In addition, my credit file has an account on their that isn't even mine so I'm sure they listed that as an issue as well. I have no recourse on them, so frustrated and disappointed, again after 20 year customer even when my income has gone up steadily by more than than 125 % since I opened that card. All increases have also been on them voluntarily, not by my requesting them. They have made thousands in interest on me. I feel stuck, please help.
Product: Credit reporting or other personal consumer reports

Contact was made XX/XX/XXXX via phone and mail contacting Region banking regarding the improper reporting and incorrect amount of my mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed items which do not belong to me. I researchedand found out that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report and the bank 's records ( learned through more research both parties require ). Please remove these files listed Below : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX CT XXXX XXXX, NV XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XXXX XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; If you feel there is a possibility these items belong to me I will require all documentation that bears my signature XXXX another research item I found that requires XXXX to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If EXPERIAN, XXXX and XXXX do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ( XXXX ) XXXX XXXX [ Date ] USAA Federal Savings Bank Attn : Fraud Department XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Identity Theft Dispute Loan Number XXXX To Whom It May Concern, I am writing to formally dispute an account and/or unauthorized charges that have been opened or made in my name as a result of identity theft. I discovered this fraudulent activity on XXXX XXXX, and I am requesting an immediate investigation and resolution. 

The following details are associated with the fraudulent account or charges : Account Holder Name : XXXX XXXX Auto Loan Number : XXXX Type of Account : Auto Loan Date of Fraudulent Activity : XX/XX/XXXX to XX/XX/XXXX Description of Disputed Charges or Activity : Auto Loan I did not open this account and did not authorize these transactions. I am a victim of identity theft and request that this account be closed or removed from my records. I also request that any associated collections be canceled and that my credit report be corrected to reflect the removal of this fraudulent activity. 

Enclosed are the following documents to support my claim : A copy of my government-issued ID A copy of a lease agreement or other proof of address A copy of the FTC Identity Theft Report A copy of the police report I filed regarding the identity theft [ Any other relevant documentation ] In accordance with the Fair Credit Reporting Act and the Fair Credit Billing Act, I respectfully request : 1. Written confirmation that the fraudulent account and any related charges have been removed or resolved.

2. A copy of the results of your investigation.

3. Assurance that my credit report will be corrected and not reflect this fraudulent account. 

Please contact me at the phone number or email listed above if additional information is required. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I already have a case # XXXX and was told to resubmit a second complaint " not a duplicate '' This is about the dep't collection agency that has taken over the matter. I told them the bill was never sent to my address until it was in collections. The agency is called XXXX collections, their phone # XXXX or XXXX They are calling me every day on a dept. that I would have payed if I had ever received it. Now their is XXXX dollar additional charge and possible mark on my credit for a bill that was sent to the wrong address. I explained that I would pay the original amount of the original fee from the home owners association if some one actually sent me the bill. They said that was not their problem. PLEASE HELP ME with this corrupt unfair issue. I have also called The timeshare at XXXX at XXXX XXXX XXXX association XXXX times and am told each time that the manager is not their and will call me about the dept issue that they forwarded to XXXX. I never received a call.
Product: Payday loan, title loan, personal loan, or advance loan

I fell for a pay to work fraud claim with scalingwithsales.io/program. I did not know it was a loan. I was told it was a payment plan. I tried to cancel through scalingwithsales.io they would not cancel the loan. I was told i would recieve payment and never received any money. I went through affirm and they would not cancel the loan. I have been removed from contacting with scaling with sales. The loan date is XX/XX/year>. The loan ID is XXXX. The case number is XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I reported that The XXXX XXXX XXXX was incorrect as the debt was paid to the original creditor. In my recent report received in XX/XX/XXXX you reported the following information which is still incorrect : TXXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed Pay Status : Account paid in full, was a collection. XXXX XXXX XXXX XXXX did not collect a debt for the original creditor XXXX XXXX XXXX ) I did not pay XXXX XXXXXXXX XXXX XXXX anything. Again, any debt owed was paid to the original creditor!
Product: Credit card or prepaid card

American Express ( AmEx ) denied a request to increase my credit limit today. They send me a letter explaining their decision was made based on information provided by XXXX dated from XX/XX/XXXX, showing a XXXX  score of XXXX. After spending 5+ hours with them over the phone, AmEx assured me that my credit information had been requested to XXXX as of today, XX/XX/2022. 

The problem is that my current XXXX  score with XXXX is XXXX. I have a membership with XXXX giving me live access to my XXXX  score. I then called XXXX for explanations and they advised that they were never contacted by AmEx today. Had they been contacted, they said they would have sent my latest credit report information dated as of XX/XX/XXXX to AmEx showing a higher XXXX  score of XXXX. 

The fact that AmEx based their credit line increase decision on outdated information and then lied about how they supposedly obtained this information is very disappointing. Moreover, this resulted in me being unfairly denied access to a higher line of credit, despite my good credit profile and income. The fact that many consumers out there have been provided higher credit lines by AmEx with less attractive credit profile make me wonder if any type of credit discrimination was at play here ( I have friends with lower XXXX  score and much lower income who have much higher lines of credits from AmEx on a similar product ).
Product: Vehicle loan or lease

I have an auto loan that XXXX signed for in XXXX for my daughter. The car was repossessed in XXXX. I have tried to contact the company, CNAC on several occasions. The number that they pricier that is listed on my credit report, ( XXXX, is always busy. I spent a week trying to contact the number everyday. I looked up the company on the internet and called it, ( XXXX ) XXXX XXXX. I was told that they could not pull up the loan, and to call ( XXXX ) XXXX. I called that number and it was the XXXX. I was told that they handle loans for banks that have closed. the lady, XXXX, informed me to make a complaint, because she had received several calls from other consumers from CNAC. I was also given ( XXXX ) XXXX. It was XXXX XXXX XXXX credit card account. This vehicle was almost paid for. The amount they gave me when the repossessed it was {$3000.00} to settle the debt. But now, I have over {$7500.00} on my credit report. I am trying to contact them for a settlement credit. At this time, I have no way to resolve this issue with CNAC, and can not obtain a vehicle for myself with this late amount on my credit XXXX every month. Because it has been so long ago, and it was my daughter 's car, I have no loan information that I can provide.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history all payments were place

d on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of liv
ing and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Iam trying to buy a house and this is damaging my credit. According to 15 U.S.C. 1681 it should not be damaging my credit. I would like to remove because I did not run my credit through that company and I see so many of the capital one hard inquiries. I only did one capital one inquiry and I see so many that they have run it. Need all capital one remove please.
Product: Checking or savings account

On XXXX I received my EIDL funds after 8 months of waiting for sba approval and the day I get it capital one decides they want to hold my funds and investigate it for fraud so I play their game and give them the documents they asked for and they just continue to say its being looked at, wont give me a eta or when they will be done with their investigation even though I went through a rigorous 8 months just getting approved for it by the sba they dont think it was good enough and no one will give me any info about my money, and from what others have made complaints about is that you guys say, after months of holds on funds, that it will be sent back to sba but they dont get the funds and now people like me are left on the hook for the whole loan amount even though we didnt get the money and we are left out to dry, this EIDL loan was my saving grace..and to that you guys say no, had working Americans barely scraping by will have to suffer, this is not ok, Im just trying to get back on track and get back to normalcy,
Product: Vehicle loan or lease

I had completed my 3 year lease with Volvo Financial in approximately XX/XX/XXXX. I moved away from California in XXXX of XXXX and never knew that Volvo had charged me an extra month payment fee. I only knew when it appeared negatively on my credit report. 

I disputed many times because the car was in flawless condition upon return, new tires, regularly maintained and extremely clean. I asked and disputed the charge from my report thinking they made a mistake in the last payment for which was paid. 

XXXX  who is the only reporting agency that has this on my report as a negative refused to make any further disputes to resolve the issue. This agency is the worst managed out of the three agencies. 

I only want what is fair and since the account has been charged off I doubt Volvo will accept any payment to have it removed, but will attempt again. 

VIN : XXXX
Product: Debt collection

On XX/XX/XXXX I contacted XXXX to pay a current bill, which I received a notice for and that bill was satisfied. The representative XXXX said that I had some old bills that he had to notify me of over the phone. He said can you pay at least {$40.00} on the bills? I asked him could he send me the bills, because I never received any notifications about those bills. He said he would send the bills. I never received the bills. 

On XX/XX/XXXX I received an alert from the credit bureaus that XXXX reported these old medical bills as negative collections on my credit reports without any notification or opportunity to dispute or address these old medical bills. This did not occur until I spoke with the representative XXXX. My rights to dispute was violated. 

On XX/XX/XXXX I called XXXX and spoke to the supervisor XXXX XXXX to notify her that XXXX reported these old medical bills as negative collections on my credit reports without any notification or opportunity to dispute or address these old medical bills. This did not occur until I spoke with the representative XXXX. 

She stated that they did not have my correct address and that they sent notifications to my old address and the information was provided by the medical provider. They also, said that they had old telephone numbers and could not reach me by phone. XXXX XXXX said she would call me back on XX/XX/XXXX after she investigated. I did not hear from her so I called her. Instead I spoke to XXXX, which I informed him that I never received the old bills. I informed XXXX XXXX that I had no collections from XXXX/XXXX on any of my credit reports. She claimed that they reported this to the credit bureaus, I informed her that the information was not on my credit reports and that I want the information removed, because it is not my fault that they did not have the correct address. 

This is unfair practice and XXXX did nothing to try to resolve this discrepancy. I informed XXXX XXXX that I would file the dispute, because I want the negative collections removed from my report. I had no knowledge of these old medical bills.
Product: Credit card

I made an agreement with Capital One to make a payment plan to pay off what was owed on my card, it was {$100.00} a month. I made my first payment on XX/XX/XXXX and it went through. A few days later I found that another payment automatically went through ( posted on my bank account on XX/XX/XXXX ). I did not know that my agreement was going to be an automatic payment. I called Capital One to see if they would pay back the payment I made on the XXXX, but they told me that they could not do that. They understood that I didn't know the payment would be automatic, and that even though I was trying to do the right thing by making my payment on time, they still would not help me. I am fine with the automatic payment they took out of my account, but I want the payment I made on the XXXX payed back to me, because it was a mistake. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Twice I have been a victim of identity theft. I have submitted police reports to all 3 bureaus about a year ago. There is a fraudulent account on my credit report with all 3 bureaus. I have asked that they show signed documents or anything to show this is my debt. I have been in XXXX XXXX Nevada since 2015. This XXXX XXXXXXXX XXXX was opened in a different state. Alabama. It is a cable bill with XXXX XXXX. This is not my debt and I asked that all 3 credit bureaus remove from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau Experian and XXXX are reporting inaccurate information in my credit file because they are reporting a account/ debt in my credit file that is not mine. The debt/ account is under the name XXXX XXXX XXXX This debt/ account does not belong to me. I have disputed this alleged debt/ in my credit file with Experian and XXXX XXXX It was not resolved and deleted from my credit file. The response to me was updated. They refused to delete this alleged fraudulent account from my file. The date they have for this account shows opened XX/XX/2010. Having seen this it more than 10 years the alleged account reported. I am aware of FCRA laws regarding this type of matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave XXXX, XXXX and Experian written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you. There was some fraud on my report and therere a bunch of inquiries that need to be removed and Im looking to purchase however these are fraudulent inquiry that hurts my credit score - XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX