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

On XXXX XXXX, I contacted Chase XXXX XXXX customer service regarding the calculation of my minimum payment due. On XX/XX/2019, I transferred a balance of {$8500.00}. It was a XXXX percent balance transfer offer. I researched the minimum payment due calculation and per the cardmember agreement, the minimum payment is calculated at 1 % of the new balance, plus interest charges and fees ; therefore, I transferred this balance based on this information. I received my XX/XX/2019 statement. The balance was {$11000.00} and the minimum payment was {$560.00}. The minimum payment is definitely larger than the 1 % of the new balance plus interest and fees per my cardmember agreement. I tried to figure out how this calculation was made and I couldn't figure it out. I let it go for the month, figuring I was being charged the 1 % of the new balance, plus interest and fees ( the fees being the balance transfer fee of 4 % of {$8500.00}. I paid {$580.00} on XX/XX/2019. I thought from here on out, my minimum monthly payment should be approximately {$110.00} per month. I received my XX/XX/2019 statement. The balance is {$11000.00} and the minimum payment is {$560.00}. On XX/XX/2019, I contacted Chase XXXX XXXX customer service regarding the minimum payment calculation. I first spoke with XXXX. She stated that my minimum payment is being charged at 5 % plus interest and any fees. I told her that it should be 1 % and she told me that my cardmember agreement stated 5 %. I hung up and researched the cardmember agreement. I found it online and have saved it to my files. This agreement should not be any different than the one that I should be receiving in 10 days. Per the agreement found online, it is indeed, 1 % of new balance plus interest and fees. I called customer service back and spoke with XXXX, but was transferred to another person due to computer issues. I do not have this person 's name, as I could not understand her name. I explained to her that the cardmember agreement that is online states the 1 % of new balance plus interest and fees. She could not change it to the appropriate calculation per the agreement and said I would have to fax my agreement and jump through hoops. I told her that this was in violation of my agreement and that I would be contacting the CFPB.
Product: Debt collection

On March 23d, 2023 verification of debt letter and statement to show full break down of charges on a debt owed. The owner of the account LVNV failed to send me the full statement from XXXX XXXXXXXX XXXX  to be able to file a proper police report of the fraudulent charges on my past account with XXXX XXXXXXXX XXXX. On the Summary of Account activities it only show the previous balance and interest charged, but not the full summary of what my previous credit card was utilized for in the past before the charge-off.
Product: Checking or savings account

I was scam for almost XXXX by a call of Wells Fargo number and Wells Fargo logo. I tried to fix it but they always denie me. Its been 1 month 15 days already when I got scam. I got scam on XX/XX/XXXX at XXXX. I tried everything I can do so I can bring my money back because I save that money for rest of my life. Pls help Cfpb. This is my 2nd complaints. Because the Wells Fargo they always closed my case and denie it. Can you pls help me on my situation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership trying to apply for a car. They said that they were ONLY going to run my credit once through jeep. However, there are 21 Hard inquiries. 

CREDITOR / DATE OF INQUIRY 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: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report several weeks ago and noticed some inquiries that I did not authorize. I submitted a dispute on all that where unauthorized. More then 30 days have passed i have not heard anything about my request. I also submitted a 30 day demand letter with tracking number XXXX XXXX XXXX XXXX XXXX XXXX and still no response.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been working hard to repair my credit and pay off a collection that I have on my account to improve my credit score. Between the dates of XX/XX/XXXX to XX/XX/XXXX, I have made several attempts to contact the agency to try and settle this debt. I was baited into leaving my name and number to give them permission to call my phone because every time you call XXXX or XXXX they send you to voicemail stating that they are short-staffed and they will call you back. This in itself is problematic because I do not want to give them permission to call me and harass me ( unknown XXXX numbers have begun calling my phone ). 

Once I finally got ahold of an agent after servals days of attempting to reach someone I was met with unprofessionalism and unwillingness to settle the debt. They wanted me to divulge sensitive information to the such as my wage, where I worked, my monthly bills, current address, etc. before they would talk to me about the collection. 

I then asked to speak with a manager and was told they could not escalate me to a manager and that they don't just allow someone to speak with a manager until I told them what my reason for wanting to speak with the manager was. She stated that she had answered my questions and that I did not need to speak with a supervisor.
Product: Mortgage

I receive a notice that there was going to be a shortage in my escrow account I called the lender and spoke with a representative that gave me the breakdown of the shortage, insurance went from XXXX - XXXX and my taxes went up XXXX. I was then told to keep my payments the same I would need to send XXXX which I did on XX/XX/2021 and called them and advise them that this was a escrow payment. Now I see that they didn't apply that payment and now said I was short XXXX cents which was never mention in the conversation I had with the representative. I just sent them XXXX to cover this.
Product: Debt collection

I received a letter from XXXX stating this account was closed and I would be receiving a refund. The account for some reason is still being reported on my credit report.
Product: Mortgage

My mortgage loan is currently serviced by Chase Bank. Chase Bank has refused to process my loan modification, refusing to issue any written statements, approvals or denials. Chase Bank is clearly trying to over collect on the amount due of {$8300.00} so they can strip the equity away from the property. The P & I payments on the property are {$260.00} and eight payments are past due, so {$8300.00} alleged past due amount is grossly padded. I have applied for a loan modification on numerous occasions and Chase Bank has refused to submit the modification requests for underwriting. Since HUD is unaware of the modification request, they are clearly in the dark on the loan modification process. Chase Bank is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency. Chase Bank also has an obligation to process the loan modification with transparency and clarity per the National Mortgage Settlement of 2012 ( NMS ). Per the NMS, Chase Bank is obligated to process the loan modification with transparency. Chase Bank has  refused to cooperate and is threatening foreclosure action, as they have set a foreclosure sale date of XXXX. Chase Bank claims I was served with a foreclosure summons on XXXX, which is impossible since I was in XXXX at that time. Chase Bank never offered formal mediation per IN 32-30-10.5, which is the state law. Based on the violations listed herein, I am seeking your assistance on this matter.
Product: Credit reporting or other personal consumer reports

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

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XXXX XX/XX/XXXX i sent a letter to the University of XXXX XXXX to settle any open balance i had with them. In my letter, it sated that i wanted to settle the account balance for {$100.00}. So, they had the choice to either decline my proposal and return my check or accept my proposal and cash the check ( which i clearly stated in my letter ). The  University of XXXX  XXXX did in fact cash my check, and I have documents to prove it. They did in fact cash the check knowing that the check was only to settle the remaining balance on my account and not to send my account to collections ot cancel any collections attempts. Below is what was in the letter i sent Notice of Dispute and Settlement Dear XXXX XXXX I, XXXX XXXX, disputing the entire balance on any accounts numbers, with date of service from XX/XX/XXXX to XX/XX/XXXX. However, attached is a check made payable to your company settling any balances currently showing in my account from XX/XX/XXXX until XX/XX/XXXX. 
By Cashing the check attached to this letter ( check # XXXX from XXXX XXXX with memo on the bottom : For Balances payoff ), you are agreeing to settle any balances and will refrain from sending my account to any collection agencies or will cancel any collections attempts if you did already send my account to collection. 

If you do not agree to the amount on the check ( {$100.00} ) as a final balance for any services received during the dates stated above, please feel free to return the check, send my account to collection and file a lawsuit. I will be happy to explain my case before a judge. 
Again, Im still disputing any balance forwarded to any collection accounts or any balance you currently have in my account. 

Thank you XXXX XXXX
Product: Money transfer, virtual currency, or money service

BlockFi has paused all withdrawals of their users crypto, despite that cryptocurrency still holding value.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account XXXX  XXXX  XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX   have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts # XXXX XXXX XXXX XXXX XXXX XXXXXXXX/genesis FS card services in # XXXX has violated my rights 15 USC.1681section602 A.States I have the right to privacy 15 USC1681 section 604 A section 2 it's also states a consumer reporting agency can not furnish a account with my writing instructions
Product: Credit card or prepaid card

Summary : XXXX customer service gave me wrong information and led me to make a wrong decision. I demand XXXX to own up to their mistake and honor the cashback. 

Detail : On XX/XX/XXXX, I purchased airline tickets through XXXX Membership Rewards in the total amount of XXXX points. I also called XXXX customer service XXXX number and confirmed with them that I am eligible for 35 % points back when purchase tickets with Membership Rewards points. 

Fast forward to XX/XX/XXXX, I have not received the points back and called back to check. But they told me that I am actually ineligible for the points back. After reading the fine prints, I understand the reason I am indeed not eligible. 

Nevertheless, I purchased the tickets based on the WRONG information given by XXXX customer service. Should they told me I am not eligible, I would not go that route to begin with. With that, I demand I should be compensated accordingly for my loss as a result of wrong information from XXXX. 

I demand the 35 % points back of XXXX points I spent, which is XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three major credit bureaus ' have illegally hoarded, conveyed my personal information for profit for their business. These bureaus ' have portrayed to be a government entity but are mere business private corporations, like walmart and other businesses. Without this consumers expressed or written consent pursuant the 1974 Privacy Act, all 3 bureaus ' violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways and practices. According to the Fair Debt Collections Practices Act, all bureaus ' maliciously and collectively shared this consumers personal information to make trillions of dollars by selling it ( information ) to various debt collectors, employers, financial institutions, and many others. Just to name a ew. The Federal Trade Commission is to demand on my ( the consumers ) behalf that all 3 credit bureaus ' remove all of this consumers social security number, date of birth, financial accounts, credit/debit card numbers/ address old and new/ health /medical history, and all sensitive information, collected on this consumer. all 3 bureaus ae now in question for reporting fraudulent information to disgrace the consumer, blocking the pursuit of happiness. Bill of right violation. Consumer wishes for damages of XXXX XXXX dollars ( preferably in Gold ) from each bureau for their treasonous deeds and all will be forgiven. Consumer would like to also thank the CFPB for protecting this consumers personal, family and household.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Date Open : XX/XX/2020 Amount : {$550.00} Company Name : {$550.00} Date Open:XX/XX/XXXX Amount : {$2200.00} I am a victim of identity theft and have reached out to the companies several time with no success. I would like these fraudulent accounts removed from my credit report. The accounts do not show up on all credit bureaus. 

There are several inquires also that I did not authorize I will list them below. 


Company : XXXX XXXX Date : XX/XX/2020 Company : XXXX Date : XX/XX/2020 Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/2020 Company : XXXX XXXX XXXX XXXX XXXXA Date : XX/XX/2020 Company : XXXX Date:XXXX Company : XXXX XXXX XXXX, XXXX Date XXXX XX/XX/2020 Company : XXXX XXXX  XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XXXX Company : XXXX XXXX XXXX, XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX Company : XXXX XXXX XXXX Company : XXXX XXXX XXXX Company : XXXX XXXX  XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXXXXXX XXXX Date:XXXX
Product: Vehicle loan or lease

To begin, Consumer is a 100 % XXXXXXXX XXXX veteran. However, on or about XXXX and XX/XX/2022, Consumer sought to obtain a copy of the vehicle loan agreement, in which a security interest attached to Consumer 's vehicle loan, from Capital One Auto Finance and XXXX XXXX XXXX XXXX of XXXX, Michigan. XXXX XXXX ignored and denied XXXX a copy of the finance agreement, til date. On XX/XX/2022, Capital One Auto Finance mailed Consumer a copy of the original " Retail Installment Sale Simple Finance Contract '' that lists XXXX XXXX XXXX XXXX as XXXX 's " Creditor, '' not Capital One Auto Finance. See attached. Thereafter, on or about XX/XX/XXXX, per Consumer 's recorded Capital One phone calls at XXXX and XXXX, Consumer called Capital One to request a copy of the application or vehicle loan agreement/contract showing that Capital One is the `` Creditor, '' with the intent to seek auto refinancing. Capital One then admitted to Consumer that Capital One does not have a contract with Consumer regarding an vehicle loan or a application/contract/agreement ( listing Capital as the " Creditor '' ), but that Capital has a security interest/lien on Consumer 's vehicle and that Capital One is the Original Creditor and that Capital One Auto Finance will not provide Consumer with a copy of the alleged Lien Agreement. Consumer thereafter discovered that the amount of the finance charge ( being sum of all charges ), which includes a security interest, 15 USC 1605 ( a ), that consumer is entitled to rescind the security interest in the property, pursuant to the Truth In Lending Act 15 USC 1602 ( g ), ( i ) ,1605, 1635 ( a ), ( b ), ( f ), ( g ), ( 1637 ( a ), 1640 ( a ), 1644 ( a ), 1692 ( j ), based upon fraud. Consumer believes that fraud is/has been committed against Consumer, and the alleged total finance charge was not required, a downpayment either. Here, in this case Total Finance Amount was XXXX minus Consumer 's {$3000.00} downpayment to total {$45000.00}, not the alleged {$71000.00} minus {$3000.00}, to total {$68000.00} per XXXX XXXX XXXX XXXX, Finance Contract. See Total Sale Price. Additionally, Consumer 's Credit Report lists Capital One as the Creditor but not XXXX XXXX XXXX XXXX See attached. The actions taken by Capital One Auto Finance and XXXX XXXX XXXX XXXX XXXX, consumer credit transaction is blatant Fraud and has caused Consumer severe financial and credit injuries, through.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I discovered that Convergent Outsourcing, a company I had never heard of before and never done business with, had placed a blatantly inaccurate and unverified collection account on several of my credit reports for an account that does not belong to me. I immediately contacted the credit bureaus via certified mail and asked for the debt to be properly verified and to be provided a copy of the original written contract with my original signature on it. After an improper investigation, the credit bureaus validated the debt and Convergent Outsourcing sent me a copy of a XXXX bill from XXXX with my name on it. However, anything other than a copy of the original signed contract would be insufficient. A bill without a contract does not validate a debt according to the FCRA. The document they provided is NOT a contract and they did NOT provide me anything with my signature. I have never used XXXX and have been with XXXX for approximately the past 10 years. 

I wrote a second request to the credit bureaus for the original contract and was denied once again, still without a proper investigation. Convergent Outsourcing has demonstrated that they are unwilling and more importantly unable to provide the original contract with all terms and conditions neither with them or the original creditor because I have never had any type of business relationship with either. They are not able to provide a summary of account activities, history of payments made, history of any late payments charged to the account, dates of payments received, or even one single document with my original signature on it, nor do they even have anything with my digital signature. Convergent Outsourcing has had dozens of class-action lawsuits filed against them for multiple violations of the FCRA. They have a long history of doing this exact same thing to many other people.
Product: Credit reporting or other personal consumer reports

Complaint : I am filing this complaint because Experian has failed to properly investigate and verify accounts I have disputed as inaccurate on my credit report. Despite providing detailed information and supporting evidence to substantiate my disputes, Experian continues to report inaccurate information without demonstrating that the information has been thoroughly reviewed or verified, as required under the Fair Credit Reporting Act ( FCRA ), 1. 15 U.S.C. 1681e ( b ) : Accuracy of Reporting Credit reporting agencies must use reasonable procedures to ensure maximum possible accuracy of the information in consumer reports.

2. 15 U.S.C. 1681i ( a ) : Reinvestigation of Disputed Information When a consumer disputes the accuracy of an item, the agency must conduct a reasonable investigation and promptly correct any errors. Experians failure to comply with the FCRA has caused me significant harm by negatively impacting my credit profile and financial well-being. Specifically : 1. Experian has failed to notify me of the methods used to verify the disputed accounts.

2. Experian has not provided any documentation or proof from the furnishers of the disputed information to confirm its accuracy.

3. My disputes have been dismissed without a proper reinvestigation, in violation of the legal requirements under the FCRA.
Product: Checking or savings account

Opened a high-value Certificate of Deposit ( CD ) with Wells Fargo . The CD agreement states that it has AUTO-RENEWAL at significantly lower rate, which I do not wish to renew. Wells Fargo will not cancel auto-renewal by phone or in person at the bank, claiming the only way for Wells Fargo to cancel auto-renewal and put my money back into my savings is to send physical paperwork a week before maturity date. I will be traveling for 2 weeks before maturity date and will not be able to receive the physical mail. Wells Fargo practices withholding CD auto-renewal cancellation should be illegal.
Product: Debt collection

This was from an old credit card debt. At the time it was going bad, I did n't have monies to pay it off. They took it to court and I was given a judgement on it, and now I must pay it off to get a home for my family.