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

The credit card I am submitting a complaint about is my  Southwest Rapid Rewards Visa administered through Chase Bank. I appli ed for the visa card in  XXXX     2017 unde r the promotional offer of  XXXX  rapid reward points for spending {$1000.00} within the first  three  months of receiving the visa card. I fulfilled this contingency. After noticing I had not received the points, I contacted the  Southwest Rapid Rewards program to inquire about the points. They referred me to Chase since they administer the Rapid Rewards Visa.  On  XXXX   XXXX ,  2017 I contact ed Chase to inquire about the points. I was told by the Customer Service Representative that the promotional offer listed on my account was for  XXXX  rapid reward points and a {$200.00} statement credit. I explained to the her that I signed up for the  XXXX  points promotional offer through the link posted on the   Southwest Airlines   page. She then stated they would change it back to the  XXXX  points promotional offer and that they would have to bill my visa card for the {$200.00} statement credit they had given me and would then give me  XXXX  points since they had already given me  XXXX  points. I agreed and stated I understood this. She stated I would receive a letter outlining this information i n 2-3 weeks and the points would be added to my account within 2-3 we eks. After I did not receive the points or the letter, I contacted Chase again on  XXXX   XXXX ,    2017  and was told I would receive the letter as it was recently mailed. I received a letter from Chase bank dated  XXXX   XXXX ,    2017 on   XXXX   XXXX ,    2017  informing me that I signed up for the {$200.00} statement credit and the  XXXX  points promotional offer and that since it was beyond 90 days of opening my account, no changes could be made. I called Chase on  XXXX   XXXX ,    2017  and asked to speak with a supervisor. I spoke with  XXXX , the supervisor on duty, and explained to him what had transpired and explained to him my issues.  1 )  I signed up for the  XXXX  points promotion through the link on th e Southwest Airlines and n ot the  XXXX  points promotion.  2 ) T he representative I spoke with on  XXXX   XXXX ,  2017 assured  me the changes would be made . 3 ) I h ad no way of knowing there was a 90 day expiration for changing promotions because I was not aware that I had received the incorrect promotional offer until I called Chase on  XXXX   XXXX ,    2017. He  stated Chase would not make a change to the promotional offer I received. I informed him I suspected they are engaging in bait and switch tactics and that I would be filing a complaint with CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Send In Multiple Letters To Experian Explaining To Them My Name Is Listed Wrong And I Have Inquires That Are Not Mine To Remove Them Ive Also Called Multiple Times People Were Being Rude An Also Hanging Up On Me Ive Requested That My Name Is Fixed And To Remove The Inquires Thats Not Mine
Product: Credit reporting or other personal consumer reports

Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently obtained a copy of my credit report, and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, Im requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges dates of services procedures given including fees associated. 

Additionally, Im allowed under the HIPAA law to protect my privacy and medical records from third parties. I do not recall giving XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party ( XXXX XXXX XXXX ). Im aware that the HIPAA does allow for limited information about me but anything more is only be revealed with the patients authorization, therefore my request is twofold and as follows : Please provide a breakdown of fees including collection cost and charges Provide a copy of my signature with the provider of service to release my medical records information to you Cease any credit bureau reporting until debt has been validated by me Please send information to my mailing address listed above and accept this letter as my formal debt validation request, which Im allowed under FDCPA. Please note that withholding the information you received from any medical provider in attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the of the provider service in connection with the alleged debt. 

Additionally, reporting debt to the credit bureau prior to allowing me to validate it is in violation of the FCRA. I will await your reply with the above requested proof. You have 30 days which to respond to my request. 


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

Well Fargo continues to brush me off with responses that do not provide any proof that they acted in an ethical and non-discriminatory fashion. As a matter of fact article after article, class action suit one after another including Floridian 's own DA has found Wells Fargo to be nothing less than nefarious. Wells Fargo has stated repeatedly that I was approved for a " Modification '' and that I didn't accept their proposal. They expected me to fall victim to their fraudulent ways just like the millions of other who were approved for so called Loan Modifications by ASC servicing which was a subsidiary of Wells Fargo. Customers believing Wells Fargo had granted them a " modification '' to keep their home paid on their modification for XXXX  months, received a XXXX and XXXX signed and notarized to the proof of the modification. Only to find a foreclosure envelope in their mail box. Trust me says Wells Fargo we reviewed you documentation and upon fair review we were able to offer you the same loan terms and conditions, but just not call it a XXXX XXXX XXXX  .... What? I refuse to speak with some used car salesperson on the phone trying to talk me into believing that Wells Fargo has acted and continues to act ethically and responsibly. Again all evidence points to lies and deception on the part of Wells Fargo and I reiterate that my loan modification was not assessed in an ethical and non-discriminatory court ordered manner. Before furnishing any further additional documentation Wells Fargo need to first establish an interest in establishing their claim of no wrong doing on their part as they've monetarily have paid for via class action settlements. I request Wells Fargo 's senior management team set up a meeting with me and my advisors and walk us through my entire loan modification along with the process utilized.
Product: Debt collection

This is an update to Case : XXXX and XXXXCourt date was XXXX XXXX. Attorney XXXX XXXX informed me that they have done all they were obligated to do. While he agrees that this has been going on a long time, they are not obligated to notify me since I disputed the debt. XXXX, XXXX XXXX XXXX XXXX notified me of the debt collection via a letter dated XXXX XXXX, XX/XX/XXXX. In that letter I was NOT informed of the original creditor. XXXX, XXXX and XXXX did not notify me of the original creditor until a letter dated XXXX XXXX, XXXX. In addition, as of today 's date XXXX, XXXX and XXXX still have not provided ALL of the requested information in my fax to them dated XXXX XXXX, XX/XX/XXXX. 
After Attorney XXXX XXXX told me that they have no obligation to notify me and that they have done all that they are obligated to do, I asked him what where my options. He advised me to pay a lump sum on the debt or set up installment payments. As it was apparent that XXXX XXXX, as has been done before by XXXX, XXXX and XXXX, was attempting to side step the law, I asked for a continuance of the case so that I can hire an attorney. That date is now scheduled for XXXX XXXX. 

I have been advised that based on what has occurred to file complaints with the State Bar of Georgia against XXXX, XXXX and XXXX and Attorney XXXX XXXX as well as filing complaints against MSW Capital with the Governor 's Office of Consumer Protection and Federal Trade Commission. Those complaints will be completed this week. Copies of CFPB complaints will be included in the new complaints.
Product: Debt collection

Wells Fargo has stated that I owe {$3100.00}. This amount is inaccurate. I filed a claim with the FTC that Im a victim of identity theft. Wells Fargo has not attempted to help me resolve this issue.
Product: Vehicle loan or lease

XXXX XXXX Loan # XXXX It has recently come to my attention that there may be defects in the original contract that was entered into when the above-listed credit account was established with a Navy Federal Credit Union XXXX which may invalidate our present agreement. According to XXXX, the definition of a Finance Charge is The sum of ALL charges. The Truth-in-Lending Disclosure that I was provided with states that the Finance Charge is The dollar amount that the credit will cost you. These two things are not synonymous and do not mean the same thing. This is recognized as an error in disclosure ; therefore, it qualifies as a criminal act of giving false or inaccurate information because you failed to provide the information required by law to disclose. By not telling me the Finance charge is not the sum of all charges you did not give me proper disclosure of the material disclosure that is required under truth and lending. Which in turn means that I did not have adequate notice. Upon discovery of this deceptive and unfair practice, this resulted in a misleading representation of me as the consumer. This willful negligence to disclose truthful information has led to the conclusion that a truthful credit transaction did not occur. Because I was misinformed, there was no meeting of the minds in this transaction ; therefore, this contract is considered null and void. According to XXXX XXXX. XXXX ( g ) ( b ), a creditor who fails to provide verifiable proof of an alleged debt within ( 30 ) -calendar days forfeits their right to further collection activity and repudiates the debt. I will expect your response to my demand for the correction of your errors or the documents requested above within XXXX calendar days of your receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 u.s.code 1681a your company is clearing violating the law rules of construction
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Debt collection

Frost-Arnett Company Reference XXXX XXXX XXXX XXXX Frost-Arnett a debt collection agency claims they are attempting to collect a debt owed to XXXX XXXX XXXX  ; before the payment the account was in default. Frost-Arnett 's information for the amount is inaccurate. There is not Account number.

Documents attached - Copy of Frost-Arnett Copy of XXXX XXXX XXXX Billing Statment Copy of Dispute Letter
Product: Debt collection

Under the Fair Debt Collection Practices Act ( 15 USC 1692 ), I am requesting validation of this debt.

Please provide complete information on the original creditor, original account number, the date this account was opened, the date of the last payment, the amount of the original debt, and an itemized statement showing the amount of the debt and any additional fees or charges.

If you are reporting this account to any credit reporting agency, under the Fair Credit Reporting Act ( 15 USC 1681b ), you must provide verification of this debt to those agencies upon request.

At this time I dispute the validity of this debt under 15 USC 1692. Please verify this debt in writing and provide all information requested above within 30 days.

If validation is not provided, I will expect this item to be removed from my credit reports and further collection activity to cease.

Sincerely, XXXX XXXX
Product: Credit reporting

they block me at every avenue even when I mailed in my request when my credit was denied they are using someone elses credit report in my info and wont give me a copy or change itt or allow me to file a dispute I seen the info at a place to get a car loan but I could not have there report
Product: Debt collection

I received an alert from XXXX  about an account being reported by UNITED WE COLLECT INC. Please be advised this item reported to XXXX  by UNITED WE COLLECT INC is a VIOLATION of the HIPAA Act of 1996. 

XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to UNITED WE COLLECT INC, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against UNITED WE COLLECT INC should this item not be deleted within the required time allowed by law. UNITED WE COLLECT INC is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against XXXX  as well, since they are the only bureau incorrectly reporting this debt. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
Product: Credit reporting or other personal consumer reports

I submit this complaint as I am scheduled to update my credit reports within the next 15 days. I am determined to ensure the removal of the following items from my credit reports : -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is imperative to reiterate, in accordance with FCRA Section 605b, Credit Reporting Agencies are obligated to remove any items listed on an identity theft report. For your reference, I am re-attaching my FTC report with the reference number # XXXX. Furthermore, the Fair Credit Reporting Act mandates Credit Reporting Agencies to eliminate any items in the consumer 's file identified by the consumer as information resulting from an alleged identity theft within four business days of receipt.
Product: Credit reporting

I hadXXXX negative items on all XXXX credit reports. All have been cleared except XXXX from Experian. It was negative in XXXX, XXXX. After contacting them, they goofed and made it a positive item on my report staying on for 10 years ... XXXX XXXX. More letters and calls to them finally they corrected it to negative but still keep in on until XXXX XXXX. According to XXXX Bank it is a negative item and should be deleted in XXXX, XXXX. Nobody at Experian bothers to review this problem. They just send the same response back. Can you help? I have documents to prove this but I am rather illiterate on the computer and do not know how to attach things. Thanks
Product: Mortgage

XXXX XXXX XXXX, XXXX Bank of America XXXX XXXX XXXX XXXX. 
XXXX, Nc XXXX THIS IS A COMPLAINT FOR RETURN OF SURPLUS FORECLOSURE FUNDS. 

After taking over our home loan ( Loan # XXXX ) from Countrywide, Bank of America, despite our many communications that : 1. We have a loan modification application pending with Countrywide 2. And that we are dealing with extensive XXXX XXXX XXXX in the house, went ahead and foreclosed on the house and sold it to XXXX. ( see attached foreclosure document ) For years we wondered why BofA ignored the hold on the loan as we were working out a loan modification with Countrywide. We learned recently that the house sold for more than the loan amount - substantially more. 

Bank of America however made sure to use up all the excess amount above the loan balance by tacking on misleading, inaccurate and bogus interests and fees so that there will be no surplus foreclosure funds ( that normally would be returned to the homeowner. ) This complaint is for Bank of America to return to us the excess or surplus foreclosure funds that they illegally appropriated for themselves and " stole '' from us. 

XXXX XXXX XXXX XXXX XXXX  of property at XXXX XXXX XXXX XXXX XXXX AL XXXX
Product: Credit card

On XX/XX/2024, I went to make a payment to my Capital One XXXX card. I was using the app as I always do. I saw that one of the payment options presented to me on the app was that I could use my Capital One checking account, which Capital One stopped me from having access to. So I figured that if it is showing that as an option, maybe I could pay {$40.00} to my credit card from that account. So I selected the account and submitted payment and received no error messages informing me that there were any issues. In fact, just to be sure, because I didn't want to have to pay them any extra money for nothing, I called and spoke with a Capital One representative. The female proceeded to tell me that my XXXX account was! closed, which I insisted with her that it was. Twice she said it wasn't. I just wanted to be sure that there would be no issues with my credit card payment for {$40.00} and then get charged a late fee or negatively affect my credit score, so I specifically asked the representative, did my payment go through? Was it good? I told her I wanted to be sure because I don't want any issues with the payment. So again I asked her, so did Capital One get my payment? Did the {$40.00} come out of my account to pay the payment? The Capital One representative told me YES, that my payment went through, that it was good, and that I don't need to worry about the payment. 

I found out three days later, the payment wad declined, Capital One charged me a {$25.00} past Due fee, but it only because their employee provided me with incorrect and false information, leading me to believe my payment was good and went through successfully. I spoke with a supervisor for over an hour explaining all of this, he proceeded to tell me that he doesn't show me even calling CapitalOne on XX/XX/2024, even though the rep I spoke to before the supervisor, who transferred me to the supervisor, stated that I called in on XX/XX/2024. Yet this supervisor couldn't find any record of me calling in. I told the supervisor if he pulls the call, that he would hear the rep say to me that the payment came out, the card was paid, that I don't need to worry about anything. The supervisor didn't believe me, but when he put me on hold he then came back, he told me that he couldn't find any recording of my phone call from XX/XX/2024. 
I find it very suspicious that the phone call which could prove that I was provided false information by a Capital One employee, and that my future actions were based on that false information, i.e., not attempting to make another {$40.00} payment to correct the matter, which I could have done within XXXX hours, could not be found when ALL CALLS ARE RECORDED FOR QUALITY ASSURANCE AND TRAINING PURPOSES. Capital One misled me, misinformed me, gave me inaccurate and false information, which was what I relied on ... and by me believing the Capital One representative, I've been charged a {$25.00} fee, which I told Capital One I refuse to pay.
Product: Credit reporting or other personal consumer reports

Thank you for taking the time to read this letter. I'm writing because I noticed that my most recent credit report contains a late payment reported on XXXX : XXXX, XXXX. 
XXXX : XXXX, XXXX, XXXX, XXXX. 
XXXX : XXXX, XXXX. 
for my ALLY FINCL - XXXX account. 

I want you to know that I understand my financial obligations, and if it weren't for an oversight, I'd have an excellent repayment record. I made a mistake in falling behind, I am a retired veteran who served the country for 20 years, I have fallen in XXXX and it made me fall back on my payments. but since then, I have diligently paid on my account. Since then, I've had a spotless record of on-time payments. 

I just recently became a father and I found purpose in my life again since after being in the marines for so long, I am in the process of purchasing a home for my family and it's come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments below Please I ask for help. 

Thank you for your consideration, and I hope you'll approve my request. 
XXXX : XXXX, XXXX. 
XXXX : XXXX, XXXX, XXXX, XXXX. 
XXXX : XXXX, XXXX. 
for my ALLY FINCL - XXXX account. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

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

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


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

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


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


Delete the late payments from my consumer reports
Product: Debt collection

I was told that this old account was re-aged and sold to XXXX XXXX. I contacted XXXX XXXX and worked aggressively to pay this off within months by making doubled payments and large debit amounts as agreed by payment plan with myself and XXXX XXXX. I made the final payment before the plan was up because the rep and Account Manager told me the file would be closed and removed from my credit files. I have never received correspondence from them as paid in full or it removed from my credit files. I have sent them numerous goodwill letters and they have never responded. I would have never paid them in full and before the payment plan was up if they never agreed to remove this from my credit files.