23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied fonline for a Chase XXXX credit card on XX/XX/XXXX. Online respone to the application was Pending review and answer in XXXX business days. Received a denial letter, reference number XXXX, dated XX/XX/XXXX on Friday XX/XX/XXXX. Reason on denial letter was " XXXX or more Chase cards have recent delinquency, charge-off or bankruptcy. '' XXXX indicated XXXX credit report. After receipt, I pulled my XXXX credit report to see if there was errors on same. Report shows no late payments, charge offs or bankruptcy. Showed my present Chase credit card also. No late payments or delinquencies. 

I called Chase reconsideration phone number on Saturday XX/XX/XXXX. Advised XXXX XXXX rep what I found on my XXXX credit report and was baffled by the denial. Chase XXXX XXXX rep said a reconsideration will be made and results available in XXXX business days. 

I called Chase reconsideration phone number on Friday XX/XX/XXXX and provided the same info to XXXX, Chase cust serv rep, on what I found on the XXXX credit report. Indicated I was confused for the denial. XXXX indicated that he did not know the reasoning for the denial. XXXX indicated that the credit card was " not in denial '' but not being approved for unknown reason. I requested the unknown reason and XXXX said he could not access the unknown reason. And XXXX could not reveal the unknown reason. We agreed that the general reason given in the denial letter was not the reason for the denial. I requested to talk with a supervisor or XXXX as they XXXX have authority to uncover the " unknown reason. '' XXXX advised that a supervisor or XXXX does not have access to this " unknown reason. '' XXXX suggested that I submit an application again. I asked XXXX the most likely outcome. XXXX advised that most likely the credit card application would be denied again for the unknown reason. 

As the credit card application impacted my credit score and the suggested applying again would do the same, I am requesting Chase to reveal to me the " unknown reason. ''
Product: Credit card

To Whom It May Concern, I am writing to file a complaint regarding an unfair reversal of a retention bonus statement credit by American Express for my Platinum account ending in XXXX. 
On or about XX/XX/XXXX, I was offered a {$550.00} statement credit by an American Express customer service representative if I met a {$4000.00} minimum spending requirement within 3 months. According to my calculation, I met this requirement within the timeframe on XX/XX/XXXX, and the statement credit was applied to my account the day after. 

However, over XXXX months later on XX/XX/XXXX, American Express abruptly reversed this credit from my account. When I inquired, I was accused of " gaming the system '' because the XXXX XXXX merchant return was posted on XX/XX/XXXX instead of XX/XX/XXXX when the purchase was made. 

This return was due to a merchant error - I had to return an item and repurchase it when the merchant made a mistake in processing it. I completed this return and repurchase in good faith and met the {$4000.00} minimum spending as agreed. 
I find it unacceptable that American Express waited over XXXX months to reverse this credit without any notice. Their accusation of " gaming the system '' is baseless, unfair, and adds insult to injury. 
I fulfilled my end of the retention offer agreement in good faith. American Express failed to honor their end of the agreement and unjustly reversed the credit I earned. 

Thank you for your consideration. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

I contacted Wells Fargo ( WF ) requesting a forebearance of 2-3 months on my XXXX XXXX backed mortgage due to financial hardship. They declined my requesting stating there are no programs available to me other than a remodification. This contradicted the information I first received from XXXX at WF before she transferred me to XXXX at WF. Is forebearance still an option for a federally backed mortgage?
Product: Checking or savings account

I requested to close my account with Robinhood and make an ACATS transfer to my existing XXXX brokerage. This request was on XX/XX/XXXX. I only had one share of one security. They charged me a {$75.00} transfer fee. They did not mention this in the transfer request. This was more than the value of the one security, so they took money from my XXXX account and therefore it got sent into a negative balance. Luckily I was not charged any fee from XXXX, but this seems wrong from Robinhood for just wanting to move to another brokerage. If I had known it would take me into the negative on a completely different account, I would have just sold the security and taken cash.
Product: Credit card or prepaid card

My PEP BOY Credit card without me being notified. I had a 30 late that was an error on my credit report.MY Identity was stolen was and a random account was on my credit report. I am filing small claims case in CALIFORNIA. Legal documents are being sent certified Mail.My rights were violated I ask XXXX accommodation department to explain what going on. I am also filing a Doj complaint for XXXX discrimination. 
The managers on the phone were very unprofessional transferring me around.
Product: Credit reporting or other personal consumer reports

On XXXX I made a purchase on XXXX for {$8.00} using my Wells Fargo Visa On XXXX I made a payment of {$10.00} to my Wells Fargo Visa On XXXX I made a payment of {$10.00} to my Wells Fargo Visa XXXX XXXX a payment of {$10.00} posted to my Wells Fargo Visa XXXX XXXX XXXX issued a statement for my Wells Fargo Visa showing the account over the {$5000.00} credit limit by {$9.00} On XXXX WFC sent negative information to the XXXX XXXX XXXX XXXX. 
On XXXX WFC a payment of {$10.00} was posted to my Wells Fargo Visa As can be seen from the above time-line of events, WFC failed to timely post my payments to my Visa account and thereby caused a violation of the {$5000.00} credit limit by charging interest to the account ahead of posting the last payment. Had WFC timely posted the payments, there would NOT have been any violation of the {$5000.00} credit limit. Therefore, WFC should be required to retract the negative credit information they sent to the XXXX XXXX XXXX XXXX ASAP
Product: Credit reporting 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 u.s.c 1681.. Account name ... XXXX XXXX .... Account # XXXX ... Account Name .... XXXXXXXX XXXX ... Account # XXXX ... Account Name.. XXXX ... Account # XXXX ... Account Name ... XXXX.. Account # XXXX ... Account Name... XXXXXXXX XXXX ... Account # XXXX XXXX Account Name .... XXXX XXXX XXXXXXXX... Account # XXXX XXXX Account Name... XXXX XXXX XXXX  .... Account # XXXX 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.. 15 u.s.c 1681 c. ( A ) ( 5 ) section state : 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I requested the information I needed for an dispute. Representative said she would send information but didnt and now I have a letter stating it is going on my credit.
Product: Credit card or prepaid card

In late XX/XX/2020 I became ill. It worsened in XXXX and we soon realized it was XXXX. ( I had been on an airplane from XXXX. ) It was so early in the pandemic, my doctor was unable to test me for the virus. 

When I got healthy in XX/XX/2020 I found that I lost my job, also because of XXXX. 

During this time, I did not make payments on my Chase credit card. I honestly thought the card was on automatic payments and wasn't paying close attention, since I was ill. 

Because I was sick, I didn't know about the various programs helping people out who were in financial distress during the pandemic. 

When I realized the error, I immediately paid what I needed to pay to get current. Shortly thereafter I paid off the card. 

I reached out to the executive offices at Chase, asking for the late payments to be removed, given the circumstances. They denied the request.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XX/XX/XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXXXXXX Balance Owed : {$340.00} XXXX XXXX XXXX XXXX Balance Owed : {$670.00}XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$94.00} XX/XX/XXXX( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$250.00} XX/XX/XXXX( Original Creditor : XX/XX/XXXX XXXX Balance Owed : {$780.00}XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXXXXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX Owed XXXX {$0.00} XXXX XX/XX/XXXX
Product: Debt collection

Dear XXXXXXXX XXXX, Re : Reference # XXXX ( XXXX XXXXPentagon Federal Credit Union ) I have sent you several written requests to validate ( not verify ) the total amount of debt on my consumer report. 

According to the Fair Debt Collection Practices Act ( FDCPA ), [ 15 USC 1692g Sec. 809 ( b ) ] I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry on your collection activities. Unfortunately, when I requested validation of the debt, I only received billing statements for 24 months which does not add up to the amount of {$11000.00}. 

This is a clear violation of section 15 U.S. Code 1692j of the FDCPA falsely representing the amount or character of the debt, including any interest, fees or charges. 

Please provide me with a complete payment history, the requirement established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. XXXX XXXXXXXX This letter is to remind you that reporting such invalidated information to the credit bureaus can result in defamation of character. Per 12cfr part 1006- false or misleading representation : debt collector is prohibited from making false or misleading representation the amount or status of the debt. 

Please be advised this is my FINAL REQUEST I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 


Thank you for your time, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX at address ( XXXX XXXX XXXX XXXX, IN XXXX ) has been sending me collection notices in the amount of ( {$420.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

I would like the bureau to delete this account off my credit report and do not try to put it back on my credit report. 

In accordance with the Fair Credit Reporting Act, XXXX  Account ( that goes by ) : XXXX XXXX XXXX, and 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 an account without my written instructions
Product: Credit card or prepaid card

I have received four cash.app prepaid debit cards in the mail this week with my name on them. I have contacted the company and they refuse to assist me with closing the accounts because I do not know the log in information.
Product: Debt collection

Calling my son and other family members constantly all time of the day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been at least 10 years since the first collection person called me about a account someone set up in my name. I get letters from creditors and banks saying I owe money or I was turned down for a credit card. I send them back letters saying that was not me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a fraudulent account under the name XXXX XXXX XXXX ( Account # XXXX ) on my XXXX credit report. As of XX/XX/year>, this account falsely shows a balance of {$11000.00}. This account was fraudulently opened without my knowledge or consent and was subsequently sold without my authorization. I demand its immediate removal from my credit report and request a thorough investigation into this matter, as well as appropriate compensation for the damages caused. 

Issue Identified The XXXX XXXX XXXX account reported on my XXXX credit report, with a fraudulent balance of {$11000.00} as of XX/XX/year>, is not mine. It was fraudulently created and does not represent any legitimate debt or obligation that I have incurred. Furthermore, this account and my private information were sold without my consent, constituting a violation of my privacy rights and consumer protections. 

Violations and Impact The inclusion of this fraudulent account on my credit report violates my rights under the Fair Credit Reporting Act ( FCRA ). The presence of this account has caused undue harm to my credit profile, including a negative impact on my credit score and potential financial opportunities.

Applicable Laws and Regulations XXXX. 15 USC 1681c-2 - Blocking of Information Resulting from Identity Theft : This provision allows consumers to request the blocking of information resulting from identity theft. I am exercising my right under this law to request the immediate removal of the fraudulent account from my credit report. 
XXXX. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Mandates that consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information, including fraudulent accounts. 
XXXX. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The inclusion of this fraudulent account violates this requirement. 
XXXX. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate or resulting from identity theft. 
XXXX. Right to Privacy : The unauthorized sale of my personal information, without my consent, is a breach of my privacy rights.
Product: Vehicle loan or lease

XXXX which was what they were trying to give me for my trade in and XXXX cash which wasn't authrozied to take and monthly payments of XXXX a month now they sold me a lemon car tryed to go talk to the company and the financed company to fix the problem they didn't care was very rude telling me they wasn't going to fix I couldn't get my mom back and so on but a really bad situation
Product: Mortgage

XXXX XX/XX/XXXX Property taxes due. Notice sent directly to Citizens One. XXXX XX/XX/XXXX Loan Closed. ( Escrows were not netted ). 

XXXX XX/XX/XXXX received late notice from XXXX County. Property taxes were not paid and overdue. 

Amount due : {$2800.00} Late fees : XXXX Between XXXX XX/XX/XXXX and today, I and my mortgage broker have contacted Citizens several times ( More than 10 ) and get a different response every time. Was told to call back on XXXX XX/XX/XXXX and " if I had not received a check, they would over night me one. 

Mortgage Broker : XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX XXXX Called XXXX XX/XX/XXXX and all case info was gone. Like I never called. 

XXXX XX/XX/XXXX Broker called to get an update and I was told to NOT contact Citizens again. 

XXXX XX/XX/XXXX Called, Tried to prevent me from filing a complaint by not giving names or NMLS IDs. On hold for 35 min. Never connected me and got disconnected after being on the phone for 41 min. Call ending XXXX XXXX XX/XX/XXXX. 

XXXX XX/XX/XXXX Called to get update. Spend 47 min on the phone. Servicer refused to give me her ID or name and said that it was my current mortgage companies fault or the title company. Broker said that is 100 % not possible or accurate. Asked to speak to superior but she kept talking over me reciting something she was reading. I never got an answer or to speak to superior. 

Law says loan servicer is responsible for taxes till they are no longer servicing the loan. They did not pay the taxes when they were the servicer. 

No one has called, mailed, emailed me. No communication at all since my first call XX/XX/XXXX. 

I would like a check or wire for the taxes and the late fees : {$2800.00} Late fees {$610.00} * I am a XXXX XXXX XXXX XXXX in the XXXX of Virginia # XXXX
Product: Credit reporting or other personal consumer reports

MY COMPLAINTS ARE BEING DENIED AND CLOSED WHICH IS AGAINST THE LAW By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers / Credit Reporting agencies of the following accounts XXXXDOFED ACCT # XXXX FRAUD/REMOVE XXXX XXXX XXXX XXXX XXXX XXXX ) ACCT # XXXX FRAUD/REMOVE USDOE/XXXX  ACCT # XXXX FRAUD/REMOVE USDOE/XXXX  ACCT # XXXX FRAUD/REMOVE INQUIRYS : XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 Equifax XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX MATADORS XXXX XXXX XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 Equifax XXXX XXXX - XX/XX/2023 Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX have violated my rights. according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  IS ON MY CREDIT REPORT, THESE ITEMS ARE NOT MINE AND I WANT THEM REMOVED FROM CREDIT REPORT, XXXX XXXX XXXX XXXX SAME ACCOUNT NUMBER ON BOTH ACCOUNTS
Product: Credit card or prepaid card

I use my XXXX Rewards ( XXXX ) administered by Chase for my hotel stays. 

During my membership Chase offered a 0 % interest on balance transfers. I took advantage of that option ; however, it was not fully explained how payments and interest would be applied after the balance transfer. 

Facts not previous explained in terms that are understandable : - I will ALWAYS accrue interest on my purchases regardless of paying that amount prior to statement close date - any payment I make over the minimum pmt due does not get applied to interest bearing purchases, it pays down the 0 % interest balance until after the statement close. 

For example : Stmt date : XX/XX/XXXX Minimum pmt due : {$110.00} Purchases on XX/XX/XXXX in amount of {$800.00} and XX/XX/XXXX in the amount of {$300.00} started accruing interest and could NOT be paid until after the XX/XX/XXXX stmt date. 

I have to make 1 payment in the amount of the minimum pmt due ( {$110.00} ) plus the purchases ( {$1100.00} ) plus interest ( continuing to accrue until paid ) all in 1 transaction. If I pay the minimum payment due ( {$110.00} ) on XX/XX/XXXX and then the purchase amt ( {$1100.00} ) plus interest on XX/XX/XXXX, the cc company will ALWAYS apply the 1st {$110.00} ( even though it has already been paid ) to the 0 % interest balance and short my purchase amt accruing interest at 24 %. In order to get an accurate total amount due to avoid interest, the consumer must call in to ask for the exact amount that will need to be paid that day since interest continues to accrue daily. 

These are highly complicated payments structures that the average consumer can not fully comprehend and there is not transparency or visibility on the monthly statement which clearly identifies what amount should be paid, so that no additional interest will be accrued. 

The CFPB needs to step in to STOP this horrific interest scheme and force the cc company to always apply the payments to the highest interest rate 1st ( including the minimum payment due ) and stop the accrual of interest until after statement due date. I thought we the credit card reform act had accomplished that very thing, but clearly the cc companies found this loop hole or are not following the spirit of the regulation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions XXXX XXXX XXXX in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.