23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have an XXXX credit card sponsored by Chase Bank. It 's the Chase XXXX card. XXXX and Chase are terminating their relationship on XXXX/XXXX/15 and now Chase is telling me they are going to convert my Chase XXXX card into their Chase Freedom credit card without my permission. I do not want to be transferred into a Chase Freedom card. I am telling Chase not to convert me into a Chase Freedom card but they tell me I have no choice other than to shut the Chase XXXX card down now instead. The problem with that is that the agreement I signed with XXXX let me earn XXXX travel points by using the Chase XXXX card BUT I CAN ONLY KEEP THOSE POINTS SO LONG AS I MYSELF DO N'T CLOSE THE XXXX CARD DOWN. So I ca n't shut the XXXX Chase card down without losing my earned XXXX points. I have told Chase I want them to just allow my XXXX credit account to fade into nothing without me shutting it down because if Chase lets my card fade away ( on XXXX/XXXX/15 ) then that will be Chase killing my card instead of me killing it so in that case I would get to keep my XXXX points. Remember, I ca n't shut down the XXXX Chase card MYSELF ( without losing my EARNED XXXX rewards ) but if Chase shuts down the card on their own then I do n't lose my earned XXXX XXXX points. 

Chase will end my XXXX Chase card but Chase intends to convert my Chase XXXX account into a Chase Freedom account without my permission and against my will. They are imposing a new credit card on me - the Chase Freedom card. They say they have the right to change the terms of the card per the cardmember agreement but they are not simply changing the terms. They are forcing me into an entirely new credit card against my wishes. 

I want them to let my Chase/XXXX card fade out of existence when XXXX and Chase end their relationship but I do not want to actually close the XXXX Chase account myself. I also do not want Chase to force me into their Chase Freedom card without my permission and against my wishes. 

You see, I plan to apply for a Chase Freedom card on my own in the near future and if I do that then I would get a signing bonus of a 15 month ZERO percent interest rate for the first 15 months PLUS {$100.00} for spending {$500.00} in the first 3 months, but I only get that if I apply for the card on my own. If, on the other hand, they forcefully convert me into the Chase Freedom card ( from the Chase XXXX card ) then I do not get that ZERO percent for 15 months and I do not get the {$100.00} for spending {$500.00} in the first 3 months I have the Chase Freedom card. 

They 're basically forcing me into a card that I plan to apply for later, but if they let me apply for the card later instead then I get a nice bonus ( 15 month ZERO percent interest & {$100.00} cash for spending at least {$500.00} in the first 3 months ) and if they get away with forcing me into the card instead then I wo n't get that bonus. 

They 're trying to rip me off. 

XXXX XXXX
Product: Debt collection

They have called me numorous times over the last XXXX weeks. Asking for my by name. When i ask who is calling they refused to give me information until i gave them a yes or no answer as to who i was speaking too. I refused and hung up. I got an additional call a few days later i had googled the phone number and found that it belonged to a collection agency. When i asked if they were a collection agency they refused to confirm and insisted that they could not give me information until i confirmed what my name is again i declined. I got another call today XX/XX/XXXX. I was greeted with a message that said the call was being recordered. Someone came on the line and said can i speak to ( my name ) i replied speaking. They then told me that they were calling from Radius Global solutions and were attempting to collect a debt that i owed to XXXX XXXX in the amout of {$150.00}. I replied no i don't. ( I checked my credit report when these calls began i knew i had no outstanding debts ) she then said you live in deleware. I said no i don't ( never have ) you were born in XXXX no i was not. Ok thank you we will remove you from our list.
Product: Debt collection

XX/XX/year> Jefferson Capital XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear ( Jefferson Capital ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter, XXXX XXXX
Product: Debt collection

Dear Experian and XXXX XXXX XXXX for the amount {$810.00} I am writing to dispute certain information on my credit report, as provided by Experian and XXXX XXXX XXXX, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Health Insurance Portability and Accountability Act ( XXXX ), specifically referencing 15 U.S.C. 1681b and 15 U.S. Code 1666b.

Upon reviewing my credit report, I have noticed inaccurate information that appears to violate my rights under the aforementioned statutes. The disputed items are as Furthermore, I believe that the inclusion of this inaccurate information on my credit report may be a violation of my rights under the FCRA and XXXX, as it pertains to medical information. 

I am formally requesting that Experian investigate these disputed items and correct any inaccuracies or incomplete information as soon as possible. Additionally, I request that you provide me with a copy of my updated credit report once the investigation is complete. 

Please be advised that under federal law, you are required to conduct a reasonable investigation into any disputed items on my credit report within 30 days of receiving this dispute letter. 

Enclosed with this letter are copies of relevant documentation supporting my dispute, including but not limited to [ list any supporting documents you are including ]. 

I appreciate your prompt attention to this matter and look forward to a timely resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX continues to have collection agencies try to collect a debt that I do not owe. I have filed several complaints with protection agencies over the years, but XXXX continues to harass me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has stated that they requested that this tradeline be deleted from my credit report. This information has been damaging and has hindered me on credit journey.
Product: Credit card or prepaid card

In XX/XX/XXXX I became aware of a fraudulent credit card opened with Pentagon Federal Credit Union. I did a dispute over the phone in XXXX, and it was not resolved. I sent a formal dispute through my identity monitoring company with a full identity theft package including proof of id, proof of address, identity theft affidavit, police report info, etc to the company on XX/XX/XXXX. On XX/XX/XXXX, when following up on the dispute, XXXX at Pen Federal stated that the representative who was working on the dispute/case no longer worked for the company and asked us to resend the dispute package again because they could not locate it. A dispute package was resent to the email they provided for XXXX XXXX XXXX We have never received confirmation that the account was being disputed under FCRA regulations. In XXXX Pen Fed started collection actions on the account although they confirmed that they saw the account in dispute. They have not sent any correspondence and are in violation of consumer rights under FDCPA and FCRA regulations.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment with the continued presence of inaccuracies on my credit file, despite multiple attempts to rectify the situation. The persistence of these inaccuracies is not only affecting my creditworthiness but is also hindering my financial opportunities. I urgently seek your assistance in resolving this matter. Despite my persistent efforts and adherence to the dispute procedures, the inaccuracies persist on my credit file. This situation is critical, as it is impacting my financial stability and credit opportunities. I urgently request the following actions : Immediate and expedited review of the documentation provided in support of the disputes. Fast-track removal of the inaccuracies from my credit file. Transparent communication outlining the resolution process and the steps taken to address this matter urgently. Attached, please find copies of the supporting documentation for your reference during the expedited investigation. I emphasize the urgency of this matter and the significant impact it has on my financial well being. As a consumer, I rely on the accuracy of my credit file, and it is crucial that these inaccuracies are promptly and definitively addressed. I am asking for your assistance to remove these fraudulent items in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

when my daughter was in medical school, she took out loans to keep her family afloat. i cosigned the loans. and i would do it again if she needed it. she is doing what she wanted. i have been attempting to get a settlement on the loans so i can move on with my life. they have placed judgments/liens on my home. i have been trying since XXXX to get a response. NOTHING. where is the customer service?
Product: Student loan

Delta Management sent a letter to my employer asking the institute to deduct {$240.00} bi-weekly to service my defaulted student loan. I tried to negotiate the amount but the company refused to listen to me or work with me. I continued to pay until the federal government suspended all payments and collections in 2020 when COVID-19 break. 

Delta Management continued to convince my employer to deduct three payments and sent to them even when the Federal Government suspended all student loan payments and collection activities. 

I contacted Delta Management in XXXX and spoke to them almost every day to refund the money taken to me but they refunded one payment out of the three and promised to refund the rest in two weeks and that has not happened, I continue to call at least once a month all that I hear from the staff is " I am requesting a refund for you and it will take 2 weeks to get to you. '' I have not received the two refunds since XX/XX/2020. Please help me to get my refund since my request is informed by a legislative instrument. Any time I called in the past, they take my address and phone number which I willingly provide but they consistently said " we have a wrong address. '' but they have sent a check to me by address. 

Thank you for the support XXXX XXXX XXXX XXXX
Product: Mortgage

I bought a condo in 2021 through a mortgage company called XXXX XXXX. At the time I was told I need insurance on the building which is provided by my HOA. My loan was sold to Pennymac and they are trying to charge me {$25.00} fee for a 2 week lapse in insurance that covers my belongings inside the condo. Pennymac said they have insurance proof for the building which I said is all they need and all I am required to carry per my mortgage. Penny mac stated I need coverage on the inside of the unit. I asked for proof that this was in my original mortgage since It is not in my copy. They refuse to provide proof and say it is their policy. I told Pennymac I did not need that insurance to cover my personal belongings as they have no lien on it through the mortgage and they have proof of insurance on the building. They refuse to provide me documentation for my needing this special coverage and still say they're going to charge me. This is predatory and against my mortgage. I never asked for my mortgage to be sold to this company nor did I agree to any changes in my original mortgage when Pennymac bought it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is a once a year chance to obtain and review a free copy of our credit report. However, this year, the site inexplicably fails while trying to obtain each of the 3 reports. Each Credit Agency gives an error without explanation, and suggests a mail-in report instead. 

This is the first time this has ever happened to me, and discourages consumers from exerting their right to see their credit report once a year. 

Credit agencies should be required to actually provide the report online in a convenient format as intended by the website. Else they are simply pushing consumers to pay for access to their own personal credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX I XXXX Date Opened : XX/XX/2018 Balance : {$10000.00}
Product: Checking or savings account

i am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX  and XXXX  are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

On or about XX/XX/XXXX I opened a Citibank Basic Checking Account after seeing an offer described by Citibank that if I opened a Basic Checking Account, deposited at least {$5000.00} within 30 days of accounting opening, and held at least that amount in the account for 60 days that within 90 days after fulfilling the conditions of the agreement I would receive a {$200.00} checking account bonus. I soon deposited approximately {$5000.00} on XX/XX/XXXX into the account. On XX/XX/XXXX I received another email update from Citibank about the offer and thanking me for enrolling in the Citibank {$200.00} checking offer and repeating the terms of the agreement. 

On or about XX/XX/XXXX I utilized the Citibank Mobile Application 's chat function to inquire as to when my bonus might be depositing, as it had been well over 60 days since when I opened the account and deposited the qualifying funds on XX/XX/XXXX. 60 days since my deposit would have been around early XX/XX/XXXX. The Mobile Application representative stated they could not resolve the issue and to call their One Stop Sales Unit, which I did on XX/XX/XXXX. The representative at the One Stop Sales Unit was confused and did not know how to search for the offer clearly, saying too that often the offers are for holding money in the account for 90 days or more, and provided essentially no clarity or guidance. 

I withdrew {$3000.00} of the {$5000.00} I had held in the account since XX/XX/XXXX on XX/XX/XXXX, my first withdrawl from the account. I am concerned as Citibank has been very unclear on when my deposit bonus will be depositing, as that is {$5000.00} I could be storing in other accounts that actually provided material interest income ( which are generally well over 1.7 % at the moment compared to Citibank Basic Checking 's essential zero interest ). Furthermore Citibank makes it extremely difficult to get any clear, definite answers on the matter as neither their chat representative nor their One Stop Sales Unit personnel have any meaningful knowledge on how to handle the matter.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV funding XXXX LVNV funding XXXX LVNV funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has an inaccurate information and amount of late payments and is violating my privacy, as I did not give anyone permission to furnish this information. 

Furthermore, the LVNV funding XXXX, LVNV funding XXXX, LVNV funding XXXX accounts has been removed from the other 2 CRAs and XXXX is inaccurately and illegal reporting this. 

15 US.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 man 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. 

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

I have tried to fix this many times, and the accounts continue to reappear.