23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have had several issues with my Chase Freedom credit card. 

1. A couple of years ago I discovered a service attached to my card that i had never authorized. It was charging an additional 1 % of my credit card balance as some kind of " account protection ''. An example of this unknown service would be " payments would be made to the card I was incapacitated and unable to make my payments. This service subsequently increased my 12 % APR card to a 24 % APR Card. 

2. In the last year I have found XXXX transactions on my account and billed using " Online, Mail, or Telephone transaction ''. I disputed these charges and was rewarded my money back. This was some sort of business institution charging this card. To me it appears that Chase is performing these charges on user 's accounts and charging interest on these fees. 

The actual transaction : [ XXXX XXXX DEDUCTIBLE Adjustment Hide details about this transaction This transaction posted on XXXX XXXX, 2016 Additional merchant and transaction information XXXX, PA XXXX US Online XXXX Mail, or Telephone transaction ] I asked the chase representative if they would perform an audit on theses charges. They seemed very dismissive with me. Meanwhile other people have been charged these finance charges and paying interest on these charges. 

To the best of my knowledge this has not occurred on any other account. My perception of this is Chase is performing these transactions to generate revenue and fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company on numerous occasions to validate the account that they are reporting on my credit report. Have contacted my certified mail. Company refuses to validate debt and prove ownership but constantly update credit report in an attempt to continue collecting the debt. Have requested numerous times to delete this tradeline from my credit report as this is not my account.
Product: Credit card

yes on my moms credit card om not very happy the way XXXX XXXX forced me into a XXXX monthly ayment plan???? first of all.they wanted me too keep aying the XXXX monthly payment untill few billing cycles till i get the XXXX too take affect????? i could not afford the XXXX a month???? thats why wefell behind on bill????? i really wanted XXXX a month plan??? but they would not accept XXXX a month plan??? was forced into a XXXX a month plan???? like too talked too whos in charge like a top supervisor instead of the lower people on this mattar????? want main supervisor too help on this mattarrr???? going thru hardship now.
Product: Credit card or prepaid card

My BOFA closed my credit card account for no reason and when I asked where my letter of explanation they said it will be there soon and I never got it. I asked multiple times why they had closed my account? They couldnt give me a definitive answer. They tired to tell me my credit must have a taken a dip or my income to debit is to high which was all lies because my credit is in excellent shape and never even have had a dispute on my credit report. I paid on time and well over the minimum payment. I suspect some bank fraud going on here I have looked into multiple social media websites and multiple people are having the same issue. 
The account had been paid off in full and is now permanently closed and for me to reopen my credit card. BOFA wants to run my credit for an account I already had hmm?
Product: Payday loan, title loan, personal loan, or advance loan

I have prior complaints on same transaction. I ran across where I was flat out mislead and now understand why so much of my contract wit easy pay financing I don't understand. Mechanic sent me the link to apply.. go on easy pay financing web site They offer auto repair financing and several types include clear contract, personal loans, title loan, pay day loan, credit card... there is no option for rent to purchase which is where they misrepresented the contract because I applied for an loan and wasn't aware that rent to purchase auto repairs were a thing. My actions of paying XXXX before contract shows I was trying to lower that apr and mthly. Me calling them trying to exercise the XXXX  day pay off of est i added up to be around amount of XXXX furthers I was decieved. They didn't provide documentation copies of contract nor is it suggested online account. My problem with all the inaccurate facts. Also on their web page it has a link that says store locator and the mechanic I used is bucks and it's listed as who accepts their auto repair financing. Clearly listed. Several paragraphs before and after all talking about auto repair financing only. That's why I'm having issues. They approved me for something else and didn't stress that till last mth when I was trying to pay off. Fraudulent. If all these things point to this one option of loan why would I think something not listed in this category would pop up. Yes they obviously offer rent to purchase contracts but it's not offered under the mechanic repair category. This is it. I need them to contact me tell me they apologize for saying i owe XXXX on a XXXX est lease. Apologize that they have me XXXX guessing what I thought I knew. They better call my creditors and give me 100 % good review so I can do what I intended .. to build up my credit. By the way. On previous documents there are changes I can prove. Small but significant that what I did take home in documentation can she had been edited. I honestly thought they may were forging my signature but they baited and switched what I thought I was applying for to this rent to purchase XXXX. Not to mention cash price not what they paid like their contract states. Predatory.. equivalent to child molesters and rapists. Look for opportunities and strike
Product: Mortgage

Our Mortgage company was originally XXXX XXXX, it was transferred to XXXX XXXX  and recently CARRINGTON Mortgage Services. Our payments have been {$1600.00} for months. As of XX/XX/XXXX they skyrocked to {$1900.00}. When I called they informed me that the Homeowners Insurance went up to {$800.00} - it is and after sending them a copy of the documents page ( 2X ) it is {$700.00} and expires on XXXX XXXX. We also have 3 documents indicating that we should NOT be paying any property taxes - one for our Homestead another for a VA Discount ( husband is a XXXX Veteran ) and The Tax Deferred Affidavit for people over XXXX and XXXX ( Effective XX/XX/XXXX. ) I have mailed all of the above documents not less than 3 times, the last time along with our XX/XX/XXXX mortgage and a {$99.00} check which they insisted we pay towards the Homeowner Insurance. 

They continue to Bill us the incorrect amount for Insurance and also continue to Bill us for Property Taxes. We have made ALL of our payments ON time - before the date they consider " Past-Due- ( XXXX of each month ) They are withholding our payments aside and show them as " Unapplied Funds for Sweeping '' ( what ever that means ) and now they have contacted the Credit Bureau and reported us as " Delinquent ''
Product: Credit reporting, credit repair services, or other personal consumer reports

hello please update my address on my credit report, to no longer reflect XXXX XXXX XXXX   XXXX XXXX or any version of this address as I don't live there.
Product: Checking or savings account

I first want to start by saying that I am unsure if I selected the correct categories because I am in a very odd situation, frustrating situation at that. 

My work offers an HSA ( health savings account ), and they require you to go to a specific bank ( People 's United Bank ), to open the HSA account, they also give you a {$500.00} to deposit into the HSA account. Why I feel this is an urgency, is because I just had my wisdom teeth extracted and I could use the {$500.00} that my work gave me to front load my HSA account. Well, when I went to people 's united bank this week and a week ago, they told me that I showed up on a chex system report, meaning that I had an outsanding charge off with another bank. People 's United bank couldn't tell me which bank was reporting that the first time, but for some reason they were able to tell me the second time which I find frustrating that they couldn't tell me the first time. The second time I went into people 's united bank in  XXXX, NH, they told me that XXXX XXXX XXXX was reporting me and that I couldn't open up the HSA account. 

I had to think for a minute because my the only bank that I have a checking or savings account with is XXXX XXXX XXXX XXXX. I then remembered a few years back, my father was going to jail and he needed someone to pay his bills for him while he was in jail, and he had me put my name on his account at XXXX XXXX XXXX XXXX so I could pay his bills. Well, I went straight to XXXX XXXX XXXX in XXXX, NH and the manager terminated my name from my father 's account, but wasn't able to report that I wasn't responsible for the {$3000.00} charge off account that my father accrued with XXXX XXXX XXXX XXXX. My sole purpose was not to be on my dad 's account to pay his fees, but to pay his bills for him while he was in jail. Now I can't open up an HSA account at People 's United bank until my dad 's balance at XXXX XXXX XXXX is paid off. I don't feel that is fair to me because I honestly didn't realize my name was still on my father 's account and nor did my father tell me that I was still on his account. So while he was racking up a bill with XXXX XXXX XXXX, my name was still associated with his account. I am furious! And I will take every step that I need to, to resolve this. I don't feel at all this is fair to me especially for the reasoning that I was on his account. 

XXXX XXXX at People 's United bank sent me an email XX/XX/18 stating that I can't open up an HSA account until the balance at XXXX XXXX XXXX is paid. 

XXXX XXXX at XXXX XXXX XXXX provided me a letter XX/XX/18 stating that I was terminated from my father 's account to provide to Peoples United Bank, and even after providing that letter, XXXX XXXX still told me that I couldn't open an HSA account
Product: Debt collection

I disputed this account with Commonwealth Financial Systems via certified return receipt letter ( attached ) on XXXX XXXX. The company has failed to verify the account belongs to me and I have no knowledge of this account. It has not been deleted from my credit reports.
Product: Vehicle loan or lease

I went to purchase a new vehicle at XXXX XXXX XXXX. The finance person I spoke with, XXXX XXXX completely lied to me in order to sell additional products I did not want. She stated on 3 separate occasions that the bank would not approve me for the loan and unequivocally refused to process the sale of the vehicle without including {$11000.00} in optional warranties. I stated I wanted to see the documentation where chase required the purchase of the extra products and she stated the agent with chase stated it was a requirement. She then proceeded to tell me to wait 6 months and I could cancel to recieve a full refund. Once Chase finalized the loan they denied this all to be true and stated the only requirement was insurance. I then proceeded to call the dealership to cancel the warranty only to find that had I waited the 6 months as she stated I would have been no longer allowed to cancel and now the XXXX refund will do directly to chase amd my payment is {$100.00} more than it would have been and there is nothing that can be done about so I am stuck with the increased payment.
Product: Mortgage

Ive been making payments to my mortgage on time and early even payed XXXX in the same month and Fifth Third Bank has not applied my Mortgage payments causing my escrow to negative and raising my house payment due to the Fifth Third making each payment a unapplied credit. Fifth third could not give me an answer to why they are not creating my mortgage payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report again, I discovered that some of the accounts were erroneous. The XXXX credit bureaus must validate these accounts : XXXX XXXX Balance : {$800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$970.00} SPS XXXX Balance : {$620000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00}
Product: Debt collection

I reached out to detail account XXXX collection agency and original bank I have no affiliation with. Wasn't no opened in my name or with my approval.
Product: Credit reporting

The XXXX and XXXX account information should not be on my credit report. I do not owe XXXX and XXXX was paid in full before i left the XXXX. I disputed it already with XXXX and it was removed so I need to also have it removed from my equifax report.
Product: Credit reporting or other personal consumer reports

I disputed my personal information with TransUnion on XXXX. I also followed up with more requests to correct my personal information. The following credit files are not mine and need to be removed immediately. I've been offered no corrections to this fictitious information that they have on my report. I don't believe that they are following the law. I want this false information removed as soon as possible. This information is spoiling my credit worthiness. XXXX 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

I am being sued by a collections company ( Midland Credit Management ) for a debt that they purchased, when asked them to validate debt, they sent copies of a statement from original credit card. No actual proof of me owing them the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE DELETE THESE ACCOUNTS ASAP
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 30 days late payment on the date XX/XX/2015. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

i tried contacting this company zillions of times and left voice messages never recieved a call back there trying to collect on a debt and ruin my credit i never opened with them and i sent them the police report multiple times throguh XXXX and XXXX they keep verifying this account, i never lived in ohio or been there where this account was opened
Product: Mortgage

My home received substantial flood and windstorm damage XX/XX/XXXX, yes I said XXXX. As of today XX/XX/XXXX Select Portfolio Servicing has refused to release all of the insurance funds they are holding despite over sixty pages of repair documentation from contractors, my attorney and myself. I gave up trying to deal with SPS directly and hired an attorney. SPS lied to the attorney several times and still refuses to release MY insurance proceeds. My attorney has had no luck trying to deal with this issue despite calls and emails. SPS is still calling me direct concerning the issue when they are suppose to talk to my attorney not me. They told me today that my issue is being reviewed by management. ( What!! Really!! ) My attorney suggest we may have to go to the next step which would be litigation as the only option. All is want is my insurance funds as I haven't been able to complete the repairs to my home almost four years later due the actions of SPS. I have been clearly damaged by the actions of SPS.
Product: Credit card

on XX/XX/year> at around XXXX, I went to check out on the XXXX XXXX website to purchase a flight to XXXX. While in checkout I received a promotional advertisement to lower the cost of the flight i was checking out with by {$400.00} if I applied for the AAdvantage Citi Card. 

I applied, and immediately received an approval e-mail that had the last four digits of my account on it but not any way to apply it to the checkout. I called XXXX XXXX and they said it was a Citi issue, and they would probably issue me a temporary card I could use to check out with ( and that would come in 24-48hours ) I called Citi and they said the promotion only works once the card is received in 7-10 business days. I asked if they could give me my temporary card, and they said that would have a limit of {$500.00} on it and would not count towards the promotional credit. I asked if they could give me my full account number, and they said they could not because it was just created and will take 7-10 business days to complete. Citi told me the best option was to wait for the credit card to come in the mail in 7-10 business days and then buy the flight. In 7-10 business days that flight will not be the same price as the advertised promotion I applied for. I even did checkout 20minutes after and the price was completely different. 

Having the promotion at checkout and advertising that applying for the card will save me money on the current flight is false. The terms and conditions when applying say in the {$400.00} statement credit promotion : " If instantly authorized, credit cardmembers will receive temporary account information and a temporary minimum credit limit. This temporary account information can be used during payment for the current eligible XXXX XXXX purchases at time of checkout to receive the statement credit. " I was instantly authorized. I did not receive the temp account info and I could not use it during payment for the current eligible XXXX XXXX purchases at time of checkout. 

This is false advertising.
Product: Debt collection

Subject : Request to Cease Contact Regarding Alleged Debt Dear Sir/Madam, I hope this letter finds you well. I am writing to address an ongoing issue that I have been experiencing concerning the receipt of letters from your office regarding an alleged debt. I would like to inform you that I have never entered into any contractual agreement with your company, and therefore, I do not owe you any debt. Also listed on my credit report twice. 

As a third-party debt collector, it is essential that you understand that I have thoroughly reviewed my financial records and have found no evidence of any outstanding debt owed to your company. I kindly request that you stop calling and mailing me regarding this matter immediately. 

I have taken the time to educate myself about consumer laws and my rights in such situations. According to the Fair Debt Collection Practices Act ( FDCPA ), in order for any alleged debt to be considered valid, there must be a valid signed contract between the debtor and the collector. As I have not signed any contract with your company, it is XXXX clear that I do not owe you any debt. 

I kindly request that you respect my rights as a consumer and cease all communication with me in relation to this alleged debt. Additionally, I would appreciate it if you could remove any negative information related to this debt from my credit report, as it is incorrect and misleading. 

Please understand that any further attempts to contact me or any failure to comply with my request will be considered a violation of the FDCPA, and I will not hesitate to take appropriate legal action to protect my rights. 

Thank you for your immediate attention to this matter. I expect to receive written confirmation from your office within 30 days acknowledging that my request has been honored and that all contact regarding this alleged debt will cease. 

Yours sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting on the evening of Friday, XX/XX/XXXX through Sunday, XX/XX/XXXX I attempted to go online and call Homepoint Financial to make my mortgage payment for XXXX. The online system did not recognize my account number after multiple attempts. The automated system kept looping around and never went to the point where I could choose the option so I could make my payment over the phone. I attempted to reach someone at Homepoint on Saturday XX/XX/XXXX and Sunday, XX/XX/XXXX via phone and sent and email through their website expressing my inability to make my payment online or over the phone. I never received a reply back from Homepoint. Finally one Sunday, XX/XX/XXXX I was able to log on to my account online, but the system kept putting my payment date as XX/XX/XXXX which was incorrect. I did not make my payment at that time since the date was incorrect. I called Homepoint first thing in the morning on XX/XX/XXXX and explained my delemia to and what occurred over the last few days. They explained that they had been closed over the holiday and took my payment over the phone. I was told that unfortunately I would be reported the credit bureaus for having a late payment and that it was my responsibility to know that they were closed over the previous days. I informed them at that time that I would put in writing what occurred so I could have this removed from my credit report since they were having a problem with their system. I monitor my credit on a monthly basis and the next time my credit report was updated it reflected a late payment on my account with Homepoint Financial, so I put in writing what occurred and sent letters to all credit reporting agencies and to Homepoint Financial. I never received a response back from my email or my letter to Homepoint. I did receive a response back form XXXX  and XXXX, but I didn't get a response back from XXXX  either. XXXX did remove the negative reporting from my credit report but XXXX did not. I call Homepoint to inquire as to why they never responded back to me and they said I needed to send them another letter with a copy of my credit report to them and someone would get back to me. I made a second attempt to contact them to try and resolve the issue over the phone and spoke with XXXX XXXX in the resolution department on Monday XX/XX/XXXX and explained to her what occurred and she said she would speak to her supervisor and explain what occurred and they should remove the negative reporting. She advised me she would call me back within 48 hours. She never called me back so I called her back on XXXX XXXX and left messages, she never returned my calls. On Monday, XX/XX/XXXX I called her back again and she answered the phone and informed me that they were not going to remove the negative reporting from my credit report. During this time I did receive a refund from Homepoint for my late fee in the amount of {$98.00} which I never requested, I only requested for this to be removed from my credit report, I owed them the {$98.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to correct issues with my Experian credit file for several months. My problem is that I can not unfreeze or freeze my Experian credit file. Attempting to create an Experian account to manage my freeze status results in an error and instructs me to contact their support number. Numerous calls to Experian 's support center result in case numbers, but their support agents can not resolve anything. My calls have been escalated to Experian 's dispute department, and nothing is ever resolved. From what I've gathered from the support agents I've interacted with, the issue with my Experian account is that security questions can not be generated because I had a fraud alert on my file because of problems with my address. I submitted documents ( social security card, utility bill, driver 's license, etc. ) several times proving my identity and current address. Yet, every time I call, the support agent tells me to submit documents proving my identity for my Experian file to be corrected. Nothing has been resolved to this date. I started this process with Experian back in XXXX of XXXX, but were are in XX/XX/XXXX and they have yet to resolve the issues with my Experian account. The issue with my account prevents me from requesting my credit report and changing the freeze status on my Experian account. The issue with my credit file is only with Experian. I DO NOT have issues with my XXXX  or XXXX credit file. The issue is only with Experian. I have many case, dispute and escalation numbers I can share with you. Please help me resolve this issue with my Experian credit file.