23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My credit card company, Chase, with whom I have already opened XXXX complaint with CFPB, is re fusing to act responsibly with another dispute involving a foreign transaction, this time XXXX concerning an unauthorized charge placed against my card by a XXXX car rental agency. As with the first complaint filed with the CFPB, Chase is effectively ignoring the substance of substance of my argument and/or documents I have provided that show a charge is bogus. In each case, after several iterations, Chase basically has stated, in writing, that I have not shown that the disputed charge is fraudulent or the result of a lost or stolen card. What I have shown, however, is that the original rental documentation does not provide for a fee that was charged when the car was returned. I provided Chase with a copy of the original rental documentation, and yet Chase apparently does not read what is provided by a customer ; rather, it sends letters stating that it ca n't do anything about the charge and that the charge will therefore be reinstated and I can take the issue up with the entity placing the charge against my account. Chase clearly knows that both of my disputes are with XXXXbased entities, and so there is no practical way for me to pursue getting a credit from them. In the first instance, Chase has consistently been unable to identify the agency that put the charge on my card, and its authorization. In the case of this new dispute opened with CFPB, Chase is simply not taking the time to read the documentation I provided, which will show that the car rental was paid in full, and that no additional fee at return time was justified. I do n't understand how Chase can simply brush off a customer 's legitimate dispute, but it is happening to me in XXXX instances. I really hope that CFPB has sufficient law and regulations to make Chase act consistent with the law. I really believe it is being derelict and should not be allowed to get away with it. Thank you.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their Advertised promises.
Product: Credit reporting or other personal consumer reports

I am urgently appealing to you to swiftly eliminate the unauthorized ACCOUNTS from my credit report since I did not provide authorization for them, and they are causing me considerable distress. I implore you to rectify this error promptly.
Product: Debt collection

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the fraudulent account reported by XXXX. and demand its immediate removal from my credit report. My rights have been violated under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ), Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), and UCC 3-501, causing erroneous damages. Despite disputing this account with the credit agency over 45 days ago, it remains on my report with no valid explanation. I have never signed any documents agreeing to your companys terms nor provided a wet ink signature. Your company is in violation for contacting me, harassing me with false documents, and continuing to report this fraudulent account. I demand that your company cease all activity on this account immediately and stop all reporting ( Cease and desist ). Failure to comply will result in legal action for these violations. 

THIS ACCOUNT IS IDENTITY THEFT I DID NOT AUTHORIZE THIS COMPANY TO USE MY SSN AND IDENTIFICATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my mortgage. I am requesting that the company mark my Credit report as Paid in Full. I had filed Bankruptcy XXXX but the mortgage was not included. That was XXXX in 2017. I have attached documentation from the mortgage servicer that is was paid in full and also the wire transfer document.
Product: Debt collection

I just received an alert on my credit. A new account was added to my credit by Stellar Recovery. The account says it was from XXXX. 
Please be advised I was not aware XXXX still exist. I have had XXXX as my internet and television service provider for the past 10 years!!! 

Moreover, I have never received a notice from XXXX nor was I ever contact by Stellar Recovery so it was quite a surprise when the unknown entry appeared on my credit and lowered my credit rating. 

Stellar Recovery Account number XXXX
Product: Checking or savings account

On XX/XX/2015 Bank of America returned my rent check for {$1000.00} as insufficient funds. I had previously made a deposit for {$1000.00} on XX/XX/2015 and the funds should have been available. I was made aware through viewing my account online at BankofAmerica.com. I immediately deposited an additional {$1000.00} into the account bringing the balance above {$2000.00}. Bank of America immediately apologized for the inconvenience, blamed slow processing of deposits for the incident, refunded all the fees, closed my account, and reported me to XXXX for suspected fraud. When confronted Bank of America updated my account status to having been paid in full, but refused to remove the false and inaccurate information from XXXX. They likely did this in retaliation after this incident occurred making it difficult for me to open an account elsewhere.
Product: Credit reporting or other personal consumer reports

I never signed up for XXXX  XXXX and someone committed fraud with my identity and they told me I had to wait 90 days for it to come off of my credit report, but It has not yet come off of my credit report and I have not used XXXX  XXXX to open up any credit cards, it dinged my credit score by a couple of points and experian and all credit bureaus by a few points and was never came off.
Product: Debt collection

I requested information of the debt. The amounts shown on the information sent are different from what is being reported on my credit report. It also appears that my insurance company paid part of the two debts and with the new laws it should be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, FORD CRED add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Money transfer, virtual currency, or money service

I am filing this complaint because cash app did not refund half of my money they took half of my money and did something else with it they got all my information my ID my bank card a screenshot of my face holding my ID every time I call them to try to get something fixed they gave me a problem they didn't return my money then they let me create a spouse a sponsor account for my child then the money that I sent my child she didn't get cuz she couldn't create a card they took the money and close my account after I gave them all my information and try to say it was some fraud you activities done but I know I didn't do nothing fragile on my account because my account was used for paying my bills getting direct deposit from my job and sending my daughter money every time I call to try to get something done they hang up they get an attitude I asked for a supervisor they hang up or they tell you ain't no supervisor there and it's been going on for 3 years now with cash and I'm tired of it
Product: Credit card or prepaid card

Since XX/XX/2023 to now Capital one been sending me emails promoting Quick Silver credit card and i would get hgher limit than my Platinum  credit card i had for about XXXX ... I kept telling capital one just give me XXXX credit limit.They never would, and in emails say i been paying ontime over 9months, but its been over year on time.So they offer me QuickSilver credit card, and it is pre approved.Get no rate for 9months than it be 29.8 % higher than iam paying now Platinum.And when i fill out application it have no effect on credit report, bunch XXXX XXXX! My score was XXXX than it drop to XXXX, hmmmm??? My Platinum  Credit Card is XXXX limit i use lot i pay from XXXX or more amonth for over year, they refused to give me higher limit, i ask for XXXX limit for me putting up with there illegals employees can't speak English to good..Iam XXXX  over XXXX i should get better rate, and hgher limit..I applied XXXX XXXX, Capital one gave me QuickSilver credit card with only XXXX limit, and keep saying they sent card out .That i can activate it now.I called in about Quick Silver card twice, and last represented illegal guy XXXX ask for my whole SS # i said thats fraudulent, i should only need give my last four numbers.He said i can't check account on QuickSilver, unless i give my SS # all my numbers, so i did..He said he fix few things and said he can raise my limit higher, and get my cards out in mail to XXXX XXXX ASAP.He ask if i wanted to activate cards now, i said heck no, i not even got cards.But in text message say its at XXXX XXXX XXXXXXXX XXXX, and Our XXXX XXXX  is over XXXX miles away, it is very expensive to drive XXXX XXXX, i had half tank i left XXXX XXXX to get mail, No Capital one QuickSilver  Credit Cards.I had to put XXXX dollars in off my Platinum  C/C , ..Capital one owes me XXXX bucks reimbursement on my card, for lying cards in mail.
Product: Debt collection

Over the past 5 years I have been making small, {$50.00} payments to Sears for a charged off credit card account. On XX/XX/XXXX I contacted Sears in an attempt to settle my outstanding debt. They informed me that they had sold the debt to XXXX XXXX XXXX, XXXX. ( XXXX ) On XX/XX/XXXX I contacted XXXX and was told that they had obtained a judgement against me. I asked if we could settle this debt, and we agreed that it would be settled for {$1900.00} as soon as I received a letter confirming that the Judgement would be recorded as satisfied after my payment was received. As of today XX/XX/XXXX, I was told on three different occasions that the settlement letter was in the mail, and once that it would be emailed to me. Today I was told that there was no settlement letter on file, and that they had no intention of providing one. I 'm at a loss as to what I should do. After the lies, and refusal to send written confirmation of the settlement agreement, what are my options? Do I need to hire a lawyer to have this resolved? Please help.
Product: Credit card

When I signed up for this credit card, it was supposed to come with the benefit of getting a XXXX night when I booked XXXX nights with points, which is why this card has a hefty annual fee. I just paid my annual fee back in XXXX of this year and then a few weeks after I learned that they are taking away this benefit! This is completly unfair since that is the only reason I paid the renewal.
Product: Credit card

XX/XX/2023 I sent a letter in regards to a company in violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) I did not get any correspondence
Product: Debt collection

The company was contacted via Certified Mail : XXXX XXXX XXXX XXXX XXXX ( Your item was delivered to an individual at the address at XXXX am on XX/XX/XXXX XXXX XXXX, FL XXXX. ) dated XX/XX/XXXX requesting validation of debt with no response from the creditor : CREDITOR DISCLOSURE STATEMENT Name and Address of Collector ( assignee ) : ____________________________________ Name and Address of Debtor : ____________________________________ Account Number ( XXXX ) : ____________________________________ What are the terms of assignment for this account? You may attach a facsimile of any records relating to such terms. 
Have any insurance claims been made by any creditor or assignee regarding this account? Yes / no Has the purported balanced of this account been used in any tax deduction claim? Yes/ no Please list the exact products or/or services sold by the collector to the debtor and the dollar amount of each : Upon failure or refusal of collector to validate this collection action, collector agrees to waive all claims against the debtor named herein and pay debtor for all costs and attorney fees involved in defending this collection action. 

XXXX Authorized signature for Collector Date ___________________________________________________ Printed name Please return this completed form and attach all assignment or other transfer agreements that would establish your right to collect this debt. 
Your claim can not be considered if any portion of this form is not completed and returned with the required documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. If you do not respond as required by this law, your claim will not be considered and you may be liable for damages for continued collection efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Series of hard inquires that I did not authorize by a shoddy car dealer
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, these agencies have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX violations : Closed account, XXXX XXXX # XXXX Dept Edu. has 2 accounts with no knowledge I am not in school. Account # XXXX 2 Accounts from XXXX are closed. Not sure how 2 accounts were opened like that. # XXXX and XXXX Hard inquires XX/XX/XXXX and XXXX XXXX closed accounts : XXXX # XXXX and XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX #XX/XX/XXXX : Dept. edu. 2 accounts again- # XXXX and XXXX INQUIRES : XXXX and XX/XX/XXXX??? XXXX XXXX. 

Experian Closed accounts : XX/XX/XXXX XXXX, XXXX XXXX with 2 accounts and XX/XX/XXXXPlease remove all closed accounts these are privacy violations and I have asked several times for their removal and only more things appeared on the account to affect the score and have to dispute errors that don't belong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX  bank and ask them to send me a copy of the signature of the original loan paper they informed me the could no send me the.copy because they did not have a copy of the signed paper. Yet Transunion keeps saying it was verified I have asked Transunion to send me the copy of the signed copy they have yet to send me anything showing it was verified. By law they have to send me this information or delete Regions bank I never took out a loan for {$5000.00} from XXXX Bank
Product: Credit reporting or other personal consumer reports

they are furnishing information that I was never informed of
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized/ Fraudulent inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate credit information reinserted into my credit file, specifically : Account Name : XXXX  / XXXX XXXX Account Number : ( XXXX ) Credit Information : [ 30 day late payment XX/XX/year> ) This information was previously disputed and corrected, but has been reinserted into my credit file. I request that you immediately remove this inaccurate information and provide written verification of the correction. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), I request the Investigate this matter and correct my credit file within 15 days from the receipt of this letter Provide a copy of my updated credit report Notify the furnisher of the correction Please note that I have attached supporting documentation to this letter, including the supporting documents,
Product: Checking or savings account

In XXXX of XXXX, The State of California attached a {$20000.00} levy to my checking account for unpaid taxes, and without a warning, Bank of America withdrew and sent them money from my checking account. The same date, Bank of America also withdrew and kept a separate " Legal Order Fee '' of {$120.00}. I called BofA to try to get that fee reimbursed, but they reassured me it was a one-time non-reversible fee, and even though the legal order/ levy was still in place ( and would be for years while I get the taxes paid off ), I would never be charged a legal order fee again for this levy. I believed them, and so it remained in place ( status of PAID. ) A few months later in XX/XX/XXXX ( with BofA sending State of CA some payments from my account in the meantime ), BofA sent another payment to the State of California -- and another {$120.00} Legal Order Fee was charged. I noticed this and called BofA immediately. They apologized for the error, said they should not have re-charged me another fee for the already-existing levy that was atttached to my account, and refunded that fee to me. 

Fast forward to XX/XX/XXXX ( with several payments sent to State of CA in the meantime ). I was again charged a {$120.00} Legal Order Fee for the exact same levy that began in XXXX. 
Since then, I have spent many, many hours on the phone and in the branch attempting to have the erroneous ( and by this point, triple-charged " one-time '' fee ) removed by Bank of America. This time, instead of apologizing for their error and refunding the erroneous fee like they did in XX/XX/XXXX, they refuse to refund it to me -- and will not give an explanation of why I again have paid another " one-time '' Legal Order Fee. Several of the call center folks I spoke with even agreed with me that it is not right, but it is not in their power to refund it to me. I have reached the end of the escalation point of both the in-person branch in Sparks, NV and the customer service phone call center, so there is no one left to help me at Bank of America XXXX I have triple-paid this fee and now lost time from work and lost sleep trying to get them to do the right thing. I need help please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Well, I believe a big mistake happened and I became a real victim of identity theft. I kindly ask you to help me because I do not recognize these accounts. I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.
Product: Checking or savings account

After filing complaints about 1 month latter Huntington Bank has done the same thing of doing overcharge fees on items I dont have. Including charging me twice for same item then charging me overcharge fees. Also they received a complete account audit letter from my attorney and me but havent done audit. In conclusion, still from previous complaints I havent found out why a electronic check was cashed listed as paid then a week later disappeared from account and listed as unpaid but I never was notified and still havent been refunded. Nor has what happened been explained, which a audit should do.
Product: Student loan

I was advised to consolidate my federal Parent Plus loan taken out for my daughter 's education with my regular federal student loans taken out for my own education. Now I am not eligible for lower payments using the REPAYE program because the XXXX Parent Plus loan consolidated makes all the loans ineligible. The Parent Plus loan is less than XXXX % of the total owed. Now I am told there is no way to extricate the Parent Plus loan and my monthly student loan payment is over {$1000.00}. I feel that I was not given adequate information by all parties involved ( Federal government and lender ) about the ramifications of including the Parent Plus loan in my consolidation. I also feel the REPAYE loan eligibility requirement that states any amount of Parent Plus loan in a consolidation of other loans that would be eligible is draconian and discriminatory if no option to remove the loan from the consolidation is offered.