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

**UDAAP ALERT** I've had the Chase United Mileage Plus Visa for a few years and this card has offered an annual mileage reward as well as other benefits and protections that have been eliminated or reduced without proper notification. My anniversary month is XX/XX/XXXX, so I just officially discovered that the annual reward and price and return protection are no longer provided and also they reduced trip cancellation and coverage. Everything on Chase 's site regarding the United MileagePlus Credit Card benefits sends us back to United. This seems unfair as the information was not provided in advance and there are significantly reduced changes in the rewards while the annual fee remains at {$95.00} annually. If the information was provided, it was not done so in a way that was clear to the average consumer.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX I was notified by your company on XX/XX/XXXX regarding an alleged debt Creditor : XXXX XXXX XXXX of {$140.00}. I have reason to believe I do not owe this debt because because I believe you have me confused with a different person and that I do not have owe any money to the creditor. 

I request all of the following information be provided to me by mail : XXXX. The amount of the alleged debt ; XXXX. The full name and mailing address of the original creditor for this alleged debt ; XXXX. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; XXXX. Documentation showing you are licensed to collect debts in Virginia. 

Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. 

If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 

Sincerely, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently tried to rent an apartment and got declined due to someone using my name and information! The following accounts are fraudulent : XXXX  XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX  XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX   XXXX  XXXX  # XXXX, XXXX XXXX XXXX # XXXX. I have filed a report with the XXXX Police Dept and a complaint with the CFPB. This is really stressful and annoying I can't figure out what else needs to be done.
Product: Credit reporting or other personal consumer reports

I am not associated with these inquiries, nor do I have any connection to the mentioned creditors.
Product: Credit card

On XX/XX/year>, I called Santander because I noticed late fees on my account due to an unpaid annual fee of {$49.00}. The late fees accumulated to {$62.00}. I explained to the representative that I was never notified of the annual fee. She proceeded to waived the late fees. On this call I was informed that I would need to call the next day as she could waive {$48.00}. I decided to pay that day the total balance of {$63.00}. 
However, the very next day on XX/XX/XXXX, despite the waiver of the fee, I got a notification from XXXX of late payment which is negatively affecting my credit score. I called Santander on that day, and the representative told me that there was nothing that she could do on their end, and told me to contact the credit bureau. I disputed this amount with XXXX and the dispute still under review. On XX/XX/year>, Santander reported my account again for late payment. This was after closure of the account. I spoke with three agents with no results. I have asked them to provide me with a statement of closure of my account and they are unable to do that. I have emailed their customer service with no response. 
I have attached my XXXX statement and the receipt of me paying the {$63.00} remaining balance. They have ruin my credit for only {$49.00} after being their customer for more than 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquiries on my credit report that I do not recognize and that I did not authorize and would like these deleted from my credit report XXXX Thanks
Product: Credit card

I have been a member at US Bank for 6 years for both my personal and business accounts. They randomly decided to discontinue the relationship and wont tell me why. I had several thousand dollars worth of credit card points and they are saying that they are just gone and I will not get anything for them. This seems like a gross example of a large institution taking advantage of a hard working member of society. I need those points to at least go towards paying of my remaining debt on the credit card. I understand that in the agreement with the bank they are not responsible for telling me why they closed my accounts but to rob me of all of my hard earned points is unamerican and criminal.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding an inaccurate late payment entry on my credit report associated with an account labeled " XXXX  XXXX and XXXX XXXXXXXX XXXX '' with Account Number XXXX. This late payment is in error, as I have never been late on any payments, and I kindly request that this erroneous entry be updated and removed from my credit report. 

The reporting of a late payment associated with the " XXXX  XXXX and XXXX XXXX XXXX '' account is entirely inaccurate. I have consistently made on-time payments for this account, and I can provide documentation to support this fact.
Product: Debt collection

I received a phone call from a company named XXXX XXXX. When I answered the call there was a man asking to speak with my wife. I explained that I was her husband and asked how I could help him as my wife was not home. He told me that there was a check written in 2012 to check into cash for the amount of {$500.00} plus dollars and they where trying to collect. He said we had to pay this money or they would be filing charges on my wife for defrauding a financial institution. I explained that I do n't recall this debt however I do recall having a debt for {$300.00} to check into cash however I have never received any notice about this debt. I asked him to send me proof of this debt and he said no we have been sending letters for the last few years to a prior address. He then said the do n't have to send anything as they have made several attempts to contact. I then told him we do n't have the funds. He said he was transfing me to a supervisor. The supervisor said he would give us two weeks to pay and asked for my credit card info. I gave him the info and he said I would be receiving a XXXX via email and had to sign it and ended the call. I received the XXXX  and signed it. However after the fact I noticed that the email at the top was to a personal XXXX address and became suspicious that this was a scam. I called check into cash and they said our debt was with a collection institution and the amount was for {$300.00} plus dollars. I then called my local law enforcement. They told me to put a stop payment on my card and if they did take any money then they could go after them. So I did. On the day they where to charge. I received a call again from XXXX XXXX they said they tried to collect the payment but where unsuccessful and asked me why. I told them what I had done and the man who never gave me any name said ok we are going to make sure your wife goes to prison and that I was being an XXXX XXXX and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX, # XXXX, # XXXX, and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., XXXX days ). Please let me know if you require anything else. Please take a look at the following items and remove them as these items are fraudulent : XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX  XXXX XXXX Balance {$340.00} XXXX XXXX XXXX Balance {$130.00} XXXX XXXX XXXX Balance {$560.00} XXXX XXXX XXXX Balance {$280.00} XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX Balance {$320.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$420.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balace {$0.00} XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$2300.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1500.00} XXXX XXXX Balance {$760.00} XXXX XXXX Balance {$1500.00} XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX Balance {$900.00} XXXX XXXX Balance {$610.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, please do so.
Product: Consumer Loan

Can not get Wells Fargo to issue a title so I can register this truck. I purchased the truck in XXXX 2015. The truck is parked because I can not register or insure it and therefore I can not drive it.
Product: Checking or savings account

In XX/XX/2022, JP Morgan Chase began engaging in deceptive practices regarding their process for overdraft fees on checking accounts. Historically, Chase bank has charged a maximum of three ( 3 ) {$34.00} overdraft fee charges per day at the time that a pending transaction is finalized, per the contractual agreement. 

Chase bank is now retroactively charging {$34.00} overdraft fees on purchases that have already been finalized on a previous date, resulting in a continuing cycle of daily overdraft charges until Chase is able to charge a {$34.00} fee for every transaction, as a way to maximize the amount they are able to charge customers. 

This change will result in a substantial increase in fees to Chase customers, and is in violation of their contractual agreement. This change was not clearly stated to customers. 

It is recommended that a class action lawsuit be brought against JP Morgan Chase to address these deceptive business practices that are harming consumers.
Product: Checking or savings account

On XXXX XXXX I had a boyfriend named XXXX XXXX XXXX - I believe? I thought he told me he was putting his check.in my account to help me pay Bill 's and then I thought he said some of it would go to his friends. I dont what happened clearly. I thought it was just his check and then he'd give some to his friends. I was stupid and naive and am now in counseling for my stupidy. I am getting over severe XXXX and my mom died from it and I did too. I'm just now recovering. So I made some poor choices. Anyways the next thing I know I have 5 people in my account with a wire transfer. I never thought that would happen. So now a XXXX named XXXX XXXX out of XXXX is threatening FBI and the cops for his money. As he was on the wire transfer. I never thought this would happen to me. I dont have his money. I dont know what the bank is doing with the money. They hardly answered me. I even got hung up on. So like the scammers got scammed in my account. I want the money gone back to its source. They all called me a liar and I am a XXXX as a veteranXXXX XXXXXXXX accent is so strong i misunderstood him. They have him almost XXXX XXXXXXXX out of XXXX. He made his mistakes and shouldn't be punished. They are cruel commanders and threatening FBI. And I'm innocent. A clean heart. Thank you please assist in spite of my mistakes. It's still wrong XXXX XXXX XXXX XXXX XXXX. Dob : XXXX. Last four of social is XXXX. Email is XXXX Ps its wells fargo case # XXXX XXXX XXXX.
Product: Debt collection

Global Credit & Collection Corp has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. So I sent them a letter requesting they verify this alleged debt and they ignored it and are still trying to pursue this alleged debt.
Product: Credit card

XX/XX/2023 autopayment was on my account I turned it on & I was unaware that when my mother made a payment for me prior capital one associate added her banking info to my account, the automatic payment tried to take it from her account and the account had been closed and the credit card company tried to take the payment a few more times. I thought it was coming from my new business bank account but my balance never changed. So I called on the XXXX XXXX after the payment was returned and I kept trying to make a payment and nothing worked so XX/XX/XXXX I called with my mother to make a payment with her card and we made a XXXX dollar payment and the person on the phone said they can't add her payment option for future use because they have to use a 3rd Party application to process the payment so the other person 's information is secure. The lady from capital one removed all of the old payment accounts and noticed my mother 's banking information was added to my account. We were unaware of this and I asked is everything OK because on the app it said my accounts were closed. She said everything was good. I attempted to use my card and it was declined. I got paid yesterday XX/XX/XXXX and attempted to make a payment today and I found out they closed my accounts. They transferred me to the fraud department and I explained the situation to the managers of the fraud department and they were extremely unforgiving and continued to tell me there were no ways to rectify the situation and that my accounts will remain closed and that I needed to pay them off. I was mocked and belittled like they were superior to me and didn't care to hear my explanations of what was going on. I've never missed a payment. I had XXXX return payment in XXXX and I fixed that immediately. From XX/XX/XXXX to today I've been working on fixing the payment issue I was having and when I called today they stated the person I made the XXXX dollar payment with over the phone did not remove the old payment accounts from my other card with them and they considered it fraud and continued to tell me they don't know who my mother is. The phone calls were recorded and my mother verified the authorization for the XXXX dollar payment I made the last time. They told me today I have no options but pay the cards off and the accounts will remain closed. They were harsh. They made an error by adding my mother 's card to the account and I was unaware that it was her card that the autopay was set up for. The returned payment was for XXXX dollars. My purpose today was to make that payment. Also XXXX of my secured cards was XXXX dollars and they are keeping that they said. I'm at a loss of words on what exactly to do other than file this complaint. Nobody deserves to be talked down to like they did to me as all I was trying to do was fix the problem and they told me they didn't see a problem. I need help please help me.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$8900.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$8400.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

Account XXXX : XXXX Reason : In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) and 15 U.S.C. 1666c, any information disputed by a consumer that is found to be inaccurate, incomplete, or can not be verified must be promptly deleted or corrected to reflect accurate information. Additionally, there is a clear discrepancy between the reporting by Experian and XXXX. Experian has reported a XXXX late payment for XX/XX/2024, while XXXX reflects all payments as current with no late marks for the same period. This inconsistency suggests a potential error in reporting by Experian that needs to be rectified.
Product: Credit reporting or other personal consumer reports

After this conpany stated that my investigation had been completed ; I sent a letter asking them to reinvestigate these accounts listed below WELLS FARGO XXXX This account is not accurate as I have never been known as XXXX XXXX XXXX. This information is false and not accurate. They have not responded to my letter within 30 to 35 days and my tracking number for this letter sent XX/XX/2024. This company has not responded to my letter within 30 to 35 days and my tracking number for this letter is XXXX. Please look into this matter. According to 15 USC 1681i 5 they are supposed to do this ( 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 the item of information from the file of the consumer. 

In addition to this : I was also going through Financial Hardship and had monthly payments deferred by creditor. As per the UCC Code of California Law I as a debtor and consumer are to receive a notice that my car would be repossessed via mail in which I was not notified, this being a violation of my consumer rights according to UCC Code of Law. I was not given any redemption requirements by the creditor in writing nor Notice of Intent Requirements. This is a violation of my UCC Code Consumer Rights. I also did not receive a Deficiency Notice. The creditor did not follow the process in which must be upheld as per the Law. Due to the violations ; Accuracy of information on credit report can not be verified as complete and accurate and have breached my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Experian on XX/XX/2020, regarding collection accounts that are reported on my credit history. The collections and bad debts are all linked to an address that is not even mine. Additionally, Experian added that false address onto my credit report so as to make the collection accounts appear valid, and make themselves look better. There are numerous bank card accounts and collections that are duplicates, and the bureau is building a foundation of false information on my report in order to keep these bad debts on my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection agency account is showing that I have an open balance of {$73.00} on my XXXX  credit report which is showing as a derogatory remark ... The full balance was PIF and cleared my bank on XX/XX//18 ... I was promised that it would be cleared from my report within 60 days. This needs to be removed from my report. 

Collections : XXXX XXXX XXXX XXXX XXXX XXXX  TN XXXX Creditor : XXXX XXXX XXXX
Product: Bank account or service

Hello XXXX XXXX here I deposit money in my account so can setup my birthday vacation.I was able too book hotel but when book cheap airline ticket chase block payment 3 time .I call them a get answer we seen you using your debit card so we block it.It m y money an telling me can, t spend it too setup vacation.they unlock card again i tried got a higher price airline ticked they block it again.I call them an only we sorry we seen u using your an locked your card.now i vacation coming up on XX/XX/XXXX can not airline ticket an all ready paid for hotel.Chase try tell me how too use my own money.took year too get a vacation an money an blocking from using my own money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The advertisement Ive included below is potentially false, misleading, and deceptive. The advertisement appears to suggest that, simply by enrolling in the program a consumer could receive relief of up to the amount advertised. based upon my experience. This is an unlikely outcome, and is likely to deceive the least sophisticated consumer. Although I attempted to locate information about the company so that I could complain directly to them I was unable to, and as a result, I am submitting this complaint. although I am unable to confirm it, I suspect the company is affiliated with or is in fact Freedom Debt Relief based upon on the advertisement. although the publication appears to be reasonable advice to most consumers, it appears that it was created only as a front for this XXXX advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get inquiries removed from my XXXX report that I did not authorize for my credit report to be pulled by XXXX XXXX XXXX XXXX on XXXX, American Express on XXXX, XXXX XXXX was supposed to be a soft pull on XXXX, And on XXXX XXXX  XXXX did a hard inquiry when it should have been a soft one.