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

I had received a letter in mail stating I had XXXX dollars in child support it gave me a phone number to call to receive a XXXX to get my money.I called the number told them I have it all arranged for my child support to be direct deposit into my bank account. They told me they could not do that only way to get my child support money was to apply for an XXXX a debit card .I asked them would I receive my child support in full? Were there any fees? They assured me I would receive the entire XXXX dollars and that there were no fees .I looked over the paper it also stated no fees only fees applied were to use ATM so I went ahead set up to receive my XXXX dollars in child support thru XXXX.Now I receive my XXXX and they took XXXX dollars I called numerous times to inquire on my XXXX dollars I was told at first that was all the child support I had.After many calls and arguments I was finally told they took my XXXX dollars for a replacement card when the paper I have clearly states no fee for replacement card and for expired cards I had with them in XX/XX/XXXX and XX/XX/XXXX.I asked to file a complaint the very rude and argumentative customer service rep on phone told me they do not take complaints.I asked to speak with a supervisor I was told he was as high up as they went there.I asked for his name and job title he told me he was the boss that ran things and he did not have to give out his name .He then told  me it was only XXXX dollars to get over it because it was gone and I would not be getting it back.XXXX dollars may not be alot to him if he is stealing XXXX here and there but to me it is alot I am a single mom who is XXXX and rarely receives child support. They should not be able to get away with stealing child support money I had a difficult time looking up an address for XXXX   I found that they are affiliated with XXXX XXXX  and found the address for thier corporate office.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Experian, This complaint is in relation to a credit account this creditor ( XXXX XXXX XXXX XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this issue with SYNCB/CARE CREDIT for over a year and they will not correct this error. They have an account attached to my credit report that is not mine. This is my ex-husband 's XXXX XXXX - many years ago he added me as an authorized user but that was closed upon our separation. 

As well, legally the debt and/or credit card is under his name and as a user this is illegal to add to my credit report. I have requested them to take this off my credit reports for over a year with 6 documented written requests. 

This is not my debt. 
This is not my credit card. 
This needs to be removed immediately from all three of the credit reporting agencies immediately.
Product: Credit card

Subject : Delay in Processing My Claim Claim XXXX Claim Type : Chase Trip Cancellation/Interruption Chase Card Last XXXX digits : XXXX I am writing to express my disappointment and frustration with the delay in processing my travel cancellation claim. 

I submitted a travel cancellation claim as a Chase Sapphire Reserve cardholder back in XX/XX/2023, and provided all the necessary documentation as per Chase Claim requirements. I have yet to receive any substantial communication from their end regarding the status of my claim. While I understand that processing times may vary, Its clear there was a lack of transparency and communication for this case. 

I have attempted to contact their customer service representatives on numerous occasions, only to be met with vague promises of " looking into the matter '' or " escalating the issue. '' I was hung up on several times. The examiner, XXXX, never called me back. My last round of calls ended up with no resolution. I was told by a CS representative overseas that they were awaiting documents from my doctor, which was already submitted more than 2 months ago. I was also informed that they needed a proof of the airlines credit, which we never received! An email proof was already submitted. 

I demand immediate action to rectify this situation. I expect a clear explanation for the delay in processing my claim and a firm commitment to expedite the resolution process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bureau is refusing to remove inquiries that were obtained without my permission, Ive sent them numerous request asking to remove them and they have not ; so I am filing this complaint against them for unfair credit reporting.
Product: Credit reporting or other personal consumer reports

NOTICE - XXXX XXXX XXXX XXXX NON-COMPLIANCE REPORTING THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to TRANSUNION that the listed institutions ATTACHED have not conformed and are currently reporting in non-compliance with the following XXXX XXXX XXXX XXXX XXXX ( XXXX ) : Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX, HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from any of the ATTACHED reporting institutions as required by the GLBA statute ( XXXX ) above, nor have I been given a chance to opt-out from my personal information from being shared w/ XXXX parties. Why does TRANSUNION allow these non-compliant institutions to report on my credit profile and put my privacy at risk? 

Until compliance with Sec. XXXX of the GLBA can be substantiated, I DEMAND that TRANSUNION PERMANENTLY DELETE the following non-compliant ATTACHED account ( XXXX ) within 3 days and forward to me a FULL updated credit report with these deletions to the address above By publishing these non-compliant account ( XXXX ) on my credit profile and distributing them to XXXX parties you are INTENTIONALLY DAMAGING my reputation and credit worthiness. For the record, I will also file this complaint with my state Attorney Generals office and the Consumer Financial Protection Bureau ( CFPB ).
Product: Money transfer, virtual currency, or money service

Institution : Chase Payment Type : XXXX by XXXX Date of Transaction : XX/XX/2018 Amount : {$2000.00} My Chase account was compromised and an unauthorized amount of of {$2000.00} was sent via Chase XXXX by XXXX. I received a letter of my claims denial and in the letter it states I may call the customer claims department to request copies of the research documents. I called to request copies of the research documents and they advised me they were unable to provide it.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of XXXX I filed a complaint with the XXXX. I also filed an identity theft report affidavit with the XXXX XXXX XXXX. And my complaint I added attachments of this affidavit and proof of incarceration capital one says that they didnt receive, the proof of incarceration from The XXXX  Complaint. They responded shortly after the complaint through the XXXX  Saying that the complaint was still being investigated and at the same time sent me a letter through the mail On XX/XX/XXXX saying they didnt find any fraud and investigation. Then in XXXX, they sent another response through the XXXX saying the complaint was still being investigated. So I contacted them regarding this confusion and they inform me that they didnt receive my proof incarceration that I had attached to my previous complaint. So I asked them for a way to fax them this proof of XXXX  on XX/XX/XXXX and I did so the same day along with another copy of my identity theft affidavit I contacted capital one again because I didnt receive any verification that they received my fax, and during this Call capital one inform me that XXXX of These Fraudulent accounts were sold to a collection company, XX/XX/XXXX. I asked him why it wasnt in the credit reports with XXXX XXXX and XXXX XXXX? They didnt have an answer for me. I asked him why it wasnt reported to the credit bureaus that they sold this fraud count under my name in XX/XX/XXXX they didnt have an answer for me. I asked him why this frozen account that was sold in XX/XX/XXXX wasnt reported to the XXXX  And they still didnt have an answer for me XXXX being violated, and my information is not only Being used in a fraudulent manner, but also being reported incorrectly and I want these accounts deleted immediately and if not, Im going to take legal action. Thank you.
Product: Credit card

For the second time now, I have been denied a Chase Freedom credit union. I have excellent credit and no delinquencies. There is no valid reason for Chase to continue denying me a Chase Freedom card. I complained to the corporate office, and the excuse they 're using this time is that I have opened too many credit cards in the past 24 months. I then asked them what is the time frame for them to stop claiming I 've opened too many credit cards, and then they changed their story completely. They then claimed that my income is too low, which makes no sense whatsoever, as again, I have excellent credit and no delinquencies. Therefore, they are discriminating against my economic " class, '' as well as age, and XXXX. As long as I have excellent credit and no delinquencies, there is no valid, legal reason for Chase to continue to deny me a Chase Freedom card, especially as I have other Chase credit cards. This is a clear-cut act of discrimination, for if my income were the case, then Chase would have to cancel credit cards for all credit card holders whose incomes dropped, which includes retirees, the XXXX, and the unemployed. Therefore, it is appropriate for CFPB to hold Chase accountable for denying me, an aging, XXXX citizen with excellent credit and no delinquencies, a Chase Freedom card. ( And in the past, after filing CFPB complaints, CFPB has done nothing more than " shuffle papers, '' i.e., send me the bank 's response, regardless of what it is, then close the case, rather than hold the bank accountable. Also, in the past, after logging in to CFPB, I have been unable to access any documents, and this was never appropriately addressed or corrected. Therefore, please escalate this matter to the Director 's office. )
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2021 I filed a dispute with the credit bureaus XXXX XXXX and Transunion XXXX. I know that the law states that the creditors have 30-45 days to respond to any disputes. XXXX XXXX did not respond to either bureau. I would like for the credit bureaus to remove this information from my report in a timely manner. They have not done this.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern at FNB Omaha, CFPB Case # XXXX Subject : Dispute Regarding Inaccurate Credit Reporting ( Account # XXXX ) I am writing to formally address the continued inaccurate reporting of the above-referenced account on my consumer report. On XX/XX/XXXX, I received feedback from your company regarding a previous dispute. At that time, we came to the agreement that FNB Omaha would cease all reporting of this account to any credit reporting agencies. subsequently, the account was removed from XXXX on XX/XX/XXXX, but was inexplicably reinserted on XX/XX/XXXX. 

As of XX/XX/XXXX, this account has been reported with a charged-off status and a balance of {$8000.00}. this reporting directly contradicts our prior agreement. I am requesting immediate removal of this account from all credit agencies who you are still reporting this debt to including XXXX. 

Furthermore, I am invoking my rights under 15 USC SUB-SECTION 1681i, which mandates a thorough REINVESTIGATION in cases of disputed accuracy. This investigation should include an examination of the agreement reached with your company to cease reporting, which I have attached to your reference. 

While I understand the balance of {$8000.00} is being pursued despite the CHARGED-OFF status, I am open to discussing and formalizing a written agreement contingent on the successful permanent removal of the account from all reporting agencies. 

For additional context, please refer to CFPB Case # XXXX, which outlines the ongoing concerns regarding this matter. 

I appreciate your prompt attention to this issue and look forward to resolving it in a fair and amicable manner. 

Sincerely, XXXX XXXX
Product: Mortgage

My mortgage 's XXXX XXXX XXXX ) was recently sold from XXXX XXXX XXXX to Carrington. First I did n't receive any info from XXXX that my mortgages had been sold to Carrington. I had to call them when I notice were not pulled from XXXX accounts from whom I bank with and I told Carrington I was set up on ( electronic funds transfer ) EFT 's with XXXX and they told me I had until XXXX XXXX 2016 to make my first payment, They mailed me my auto draft forms forms and I mailed them back, I was then called from a XXXX XXXX XXXX XXXX XXXX saying it will take up to two months for my auto draft to process for my first payment and I needed to mail the payments in, I did n't have the amounts which she gave me and the address. I mailed in XXXX payments which cleared XXXX on XXXX I then received my auto draft back saying I could not be set up until I was in good standing, I called Carrington and they told me mail in another XXXX payments which I did they cleared XXXX. I then spoke with a supervisor XXXX Direct number XXXX and was told to fax up copies of the checks ( but since they electronically processed the checks XXXX said they would not have copies, so I sent them screenshots and I made an appointment the next day with XXXX to get proof that the payments were processed. I the Faxed to Carrington proof of the payments they keep giving me the run around I have never been late in thirty years of payments to XXXX and I feel they are trying to steal my property I need help. 

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

I was approved in XX/XX/XXXX for a personal loan at XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. This was a credit builder loan to establish current credit line to increase credit score.  XXXX XXXX states they report monthly to credit bureaus for this purpose. Payments were for 6 months, I have all receipts. Last payment XX/XX/XXXX. Around XX/XX/XXXX, my credit reports did not show current payments. At XXXX XXXX office, I spoke to XXXX. She told me they were having problems with their 'reporting system. ' I asked her to reach out directly to credit bureaus to fix this. XX/XX/XXXX, I got stamped paid in full document for this loan. 7 months later in XX/XX/XXXX, my credit reports showed {$90.00} balance past due to XXXX XXXX. I was given XXXX XXXX corporate number, called and reported this problem. I contacted credit bureaus. XXXX XXXX DELETED my account! Their contract states they will do monthly payment reporting..and they did not honor their end of the contract! They took all my money plus interest and did not provide services as stated. The also did a random credit inquiry which lowered my credit score from XXXX to XXXX. 2 years later, still no resolution.
Product: Credit card or prepaid card

I received a Balance Transfer Promotion for my Citi Mastercard.

Everywhere it state 4.99 % Promotional APR on balance transfers until XX/XX/2024. 

Which is great for today 's interest rate environment. 

Fortunately, I read through it a bit more and noticed there is ALSO a 5 % standard balance transfer fee! 

So, it's not really 4.99 % promotional, but rather 4.99 % APR PLUS an additional 5 % UPFRONT Fee, bringing the loan to cost OVER 10 %! 

That is extremely deceptive. And when I called about it- it was just as confusing speaking with the customer service. I had to hand up and speak with someone else - because they wouldn't be so clear that it was actually a cost over 10 %. They kept saying it was 4.99 %, when I pushed them, seemed there is the ADDITIONAL 5 % charge. 

Unfortunately, i had done an earlier one with them- but think there wasn't the additional fee... just so confusing and deceptive.

I am XXXX XXXX XXXX  XXXX XXXX XXXX. If i'm confused, then clearly most people won't get this. I'm not sure why this is legal and not considered deceptive. Somewhere it should disclose, speak out the total cost. 

-- -- -- -- -- -- - it's also a trap- XXXX once you do the balance transfer, then any new charges are at the full purchase APR, and you have to bring the balance to zero to start paying that new charge. 

Unfortunately, when I did the previous balance transfer and locked my card for further charges - it didn't block recurring charges- even the ones i had changed not to charge- for example, XXXX still charged on that card, even though i changed the CC with them...
Product: Checking or savings account

M & T bank is charging customers {$50.00} to close their accounts if it's within 6 months of opening the account... The bank is hostile, rude and incompetent where i live and I shouldn't have to pay them to terminate service with them for being a XXXX bank .... 

Is this legal?
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to request that you immediately delete a debt that has been reported on my credit file. The debt in question was sent to collections and I no longer have any legal obligation to pay it. 

As you are aware, under the Fair Credit Reporting Act ( FCRA ), a debt that has been paid or settled is no longer considered a valid debt and should be deleted from a consumer 's credit report. ( 15 U.S.C. 1681c ( a ) ( 1 ) ) Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has clearly stated that " a debt collector can not collect a debt that the collector knows is not valid '' ( 12 CFR 1006.6 ( a ) ( 1 ) ). 

Therefore, I request that you take immediate action to delete this debt from my credit report. Please find the details of the debt below : Account Name child support Enforcem Account Number XXXX Date open XXXX XXXX 2017  Original Creditor XXXX XXXX 

Please confirm in writing that the debt has been deleted from my credit report within the next 30 days. 

Thank you
Product: Debt collection

I declare under penalty of perjury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by federal and state law to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatement or omission of material facts constitutes a federal criminal violation punishable under 18 u.s.c 1001.

Additionally, any false statements are punishable as perjury under 10 u.s.c 1621. This collection that is being furnished in my consumer report is not related to any transactions that I made. I believe that a person or company- without my authorization used my personal identifying non- public personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a fraudulent bank account and credit card opened in my name at Bank of America. The debt on these is several thousand dollars. I made a police report. I froze my accounts and my credit. I called Bank of Ameeica easily 50 times over a matter of months after it happened in, I believe, late XXXX. Then in XXXX when I was trying to buy a house I found out it was still on my report. So I went through the process again. I disupted the report on every single credit reporting agency. I filled out a report for fraud and to the Attorney General. I sent all the information I had to credit bureaus and the fraud form I filled out. I mailed requests through usps to the credit bureaus and to Bank of America. I have done everything I possibly can to get this taken care. Last resort is getting a lawyer which I really don't want to do. Bank of America told me they verified the account was fraud but yet they refuse to close the report and remove it from my credit.
Product: Debt collection

Midland Credit Management XX/XX/2020 {$740.00} In accordance with the fair credit reporting act, this creditor has violating my rights under 15 USC 1681 section 202 states that I have the right to privacy.

15 USC 1681 section 6048 section to it also states that consumer reporting agencies can not furnish an account without my written instructions.

Under 15 USC 1666b, a creditor may not treat a payment on a credit under an open consumer credit plans as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of an unauthorized inquiry listed on my credit report. I am a victim of a recent data breach, and this inquiry was made without my consent. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that this inquiry be permanently removed. 
The inquiry in question is as follows : XXXX XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX. XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX  XXXX Balance : {$5600.00} XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX  XXXX XXXX : {$6200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$5700.00}.
Product: Checking or savings account

On XX/XX/XXXX I did a XXXX to a sibling the XXXX has not went through and the funds have not been put back into my account. I was told the funds would be disbursed on XXXX XXXX still me or recipient has not received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a student loan from XXXX that was placed in deferment several times before being " Paid in full '' in XXXX. 

My XX/XX/XXXX credit report incorrectly shows several late payments for this student loan when they were in deferment. 

My credit report also shows the Dept Of Education/ Aidvant account listed ( 5 ) five times under different account numbers. I only had one student loan and it was paid off as agreed. There should not be 5 accounts reported to my credit profile for 1 student loan.