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

I have a Chase United credit card after a year and a half, Chase sent me a letter requesting proof of the identification. When I called Chase in regards to the letter because they sent it when I was outside of the country, I was advised to log onto my online account to verify my information. With no notice there after Chase close my account I did not know that they closed it until I was making a purchase. When I called customer care I was transferred over nine times and hung up on almost 4 at the end of all these transfers I spoke to his supervisor, who advised that the account was closed in error and that several accounts have experienced the same thing, and that the account will be reinstated within 24 to 48 hours. After the 24 to 48 hours were up I called because my account was not re-opened, and was advised at that time that the manager gave me wrong information and that Chase was still in need of verifying my identity, they requested that I upload a copy of my ID and Social Security in which I did and I called three times after that to verify and follow up on the matter I was advised that they received it and it would take 3 to 5 business days for it to be reviewed and then they would expedite the card over. I called after that timeframe to verify that they reviewed the information to be advised that they never received the information even though I have the online app confirmation that they received it and they did respond to me in The secured message system. Chase advised that they received the three documents that were uploaded and would respond within one to two business days but today XX/XX/XXXX I spoke to a supervisor named XXXX who stated that there mustve been an error and we did not receive it and that he would file a complaint and I would get a response from them. I asked XXXX in regards to my account being closed where in the terms and conditions or banking regulations do they have the right to close my account even though Ive made all my payments XXXX actively using my card and they automatically on their own extended credit without my request from the original credit line that I was approved for XXXX stated that the right that the lender had came from the banking regulation the US patriot act. Keep in mind that there was no suspicious activity on the account all payments were made on time and card was being actively used and they closed it a year and a half later due to them needing proof of identification, after reading the patriot act, I see no real reason for them to be closing my account on this basis. in the course of the two week phone calls on the first day that I called when I noticed my card was closed the supervisor who gave me wrong information stated that my account was closed due to an error and that would be up within 24 to 48 hours how does a manager give that kind of information if it was close for a completely different reason, By doing so she delayed the resolution by over a week.
Product: Debt collection

Dynamic recovery solutions Account # XXXX I received an alert on my credit profile saying I owed XXXX for a doctor bill. 
I never received a bill but on the collection it was said to be submitted XX/XX/2021 the inquiry came around XX/XX/2021 XXXX I also called about the debt and told them I was in a car wreck my lawyer took care of all of it. 
I also asked why I never received a letter about the debt in which the worker said they dont have to send a letter I already knew of the debt. That should b on file because she said everything is recorded for customer assurance purposes. 
I also have medical insurance which I had every since my car wreck, so I know in fact that was a bill for my car wreck. 
After I sent them a letter a week later they responding by offering me a settlement price or to pay it over time. That was the first letter they sent to me. 
XXXX law firm of XXXX Louisiana handled my car accident.
Product: Other financial service

After talking to an XXXX XXXX employee and answering my question in regards to my contract, the employee stated that the contract would end and payments would cease at the end of the agreement. This was over XXXX months ago and I just realized that I 've been paying on a membership I thought had ended. No form of information was handed to me to tell me otherwise.
Product: Debt collection

On XX/XX/2020 Santander Consumer USA debt collection agency responded to my initial complaint CFPB Case No. XXXX which references an alleged debt that I consider to be be false and inaccurate. I demand Santander Consumer USA produce the original service contract with my signature, written by my own hand. Also, as stated in USC 1605 Truth in Lending USC 1605 a ( 5 ) Finance Charge explains what is supposed to be included in the finance charge. ( 5 ) Premium, or other charge for any guarantee or insurance protecting the creditor against the obligor 's default or other credit loss. 

What I deduce from this excerpt from Truth In Lending is that insurance is supposed to be included in the finance charge. Based off of my exhibit ( s ) that I have attached, I prove that insurance was not included in my finance charge which constitutes fraud, and fraud trumps any solemn contract. 

I also was never offered any insurance before purchasing, or upon completing paperwork taking possession of the vehicle from XXXX XXXX instead I received an email two days later encouraging me to get insurance for my car through the XXXX XXXX. I never signed to decline coverage which I would have to be offered in the first place to do so. As shown in my exhibit the dealer created a computer generated name and birthdate where my signature would have gone. 

Also I did not write D  as it is written on Santander Consumers USAs copy of the original service contract which I have the original in my possession. The letter D is not written in my handwriting and is not in cursive, which is forgery and I do not appreciate this or take this lightly whatsoever this is unacceptable.
Product: Credit card or prepaid card

Capitol One Visa Platinum Account Credit Card ending in XXXX charged me {$10.00} cash advance fees that I never authorized and thebank refuses to send me a copy of cardholders terms and condition or my original signed agreement that show that I agreed to these fees. Capitol One Bank Account Supervisor refuse to escalate the call.Tonight I spoke to XXXX who refused to set up a case for the executive resolution or to escalate the call..He also refused to set up a dispite for the {$10.00} cash advance fees. 
I was charged a {$10.00} fee on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX as well as XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX as well as XX/XX/XXXX, XXXX refuses to acknowledge complaint and bring this matter to attention of his management. Also they are charging me 16.55 % which I never agreed to
Product: Checking or savings account

On XX/XX/year>. The time was XXXX. I decided to withdraw {$300.00} from the atm at Truist Bank. The machine made the noise as if it was dispersing the funds. Then it blinked error code, and call a number. It flashed before I could even note the number. I then went thru the drive thru teller immediately to notify them. She told me it's nothing they can do, they don't service the arms. They are serviced by a 3rd party. I immediately called Truist while in the parking lot. Notified them, my kid has the flu, I have the flu. This all thr money I have. I need to pay a bill & other emergencies. They only stated they can expedite the claim. I even asked for a temporary credit, was told they will file my claim. I stated Monday is a holiday. They could not assure me no time frame for resolution. 2 or more days. I asked why they could not ask the branch to review the camera to expedite the process. I called back at XXXX, no resolution or update. Asked for a contact number for the 3rd party service, was told there is no contact number. I was then told, only an analyst would contact me of there were any questions or issues. I then stated I was told that someone would be dispatched to the atm to see if it was an overage. Thus me asking for the contact info of the dispatcher. I was only told they are working on it. I then asked it is XXXX, what time is their shift over, do they work on XXXX? She stated she does not know that answer. This is a regular transaction for me to withdraw. They have no sympathy for working class, dire situations such as sickness and health problems. A simple temporary credit could be of assistance. Or an exact time frame. Instead of telling me it will be expedited.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have filed XXXX complaints against Consumer Portfolio Services XX/XX/XXXX, XX/XX/XXXX due to there being a number of inconsistency with Consumer Portfolio Services. 

1 ) Consumer Portfolio Services is currently reporting on my credit reports that this account is " CLOSED and CHARGED OFF. '' This account Currently states it is " CHARGED OFF '' as XX/XX/XXXX with last payment being made XX/XX/XXXX on all three credit bureaus. 
2 ) Consumer Portfolio Services has reported the " HIGHTEST BALANCE as {$13000.00} XXXX, XXXX, " HIGHTEST BALANCE as {$12000.00} with XXXX ( which has since been removed ) on my credit report. 

I requested a 1099C form from Consumer Portfolio Services to file with my Taxes, a form in which they are refusing to send me, but since this is a " CHARGE OFF '' and was claimed as a income by the " ORIGINATOR ''. I need this 1099C to file with my Taxes and this account should be removed from my credit report immediately. 
Consumer Portfolio Services is constantly refusing to remove this account and all " DEROGATORY '' information from my XXXX, XXXX credit report.
Product: Checking or savings account

I am writing to express my dissatisfaction with the handling of a recent promotional offer related to the opening of a Relationship Checking Account with your institution. The promotion in question promised a {$500.00} reward for customers who opened a Relationship Checking Account and deposited {$7500.00} via direct deposit, with the reward to be credited within 10 days from the end of the tracking period. 

I completed all the necessary steps to qualify for this offer, including the timely deposit of {$7500.00} via direct deposit. During my communications with your customer service representatives, I have been repeatedly assured that I have met all the requirements for this promotion. Despite this, the {$500.00} reward has not been credited to my account, even though I was informed that the tracking period closed on XX/XX/XXXX, and the reward should have been credited by now. 

Every time I have contacted customer service, I have been told that the issue is still " in progress, '' without any clear explanation for the delay or a concrete timeline for resolution. This lack of transparency and accountability is deeply frustrating, especially considering the clear terms of the promotional offer. 

I request immediate action to resolve this issue and have the {$500.00} reward credited to my account without further delay and an additional compensation of {$200.00} for not following the terms of their own promotion. Additionally, I would appreciate a written explanation for the delay and the steps being taken to ensure that such issues do not occur in the future. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXSubject : Formal Complaint Against Equifax for Violating the Fair Credit Reporting Act** Dear CFPB, I am writing to formally file a complaint against Equifax for what I believe to be blatant violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681B concerning permissible purposes of consumer reports. It is my assertion that Equifax has failed to comply with the legal stipulations surrounding the furnishing of consumer reports.

According to the FCRA, consumer reporting agencies are permitted to provide consumer reports only under specific circumstances, predominantly upon receiving written instructions from the consumer. Equifax has not adhered to these regulations in their reporting practices regarding my XXXX XXXXXXXX XXXX  card. # XXXX Additionally, the FCRA XXXX under 15 USC 1681 ( 2 ) ( a ) ( I ), clearly states that a consumer report should not include information solely related to transactions or experiences between the consumer and the reporting agency. It is imperative to note that my credit utilization has been misrepresented, contradicting the guidelines outlined in the FCRA.

I demand immediate action to rectify this situation. Specifically, I request that Equifax either : 1. Remove the inflated credit utilization from my report and update it to reflect 5 % or below, or 2. Completely eliminate the utilization data from my credit report.

This adjustment is crucial to ensure accurate reporting and to comply with the FCRA. I expect a prompt response to this matter, as the inaccuracies in my credit report have significant implications for my financial standing. 

Thank you for your immediate attention to this pressing issue. 

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

Experian Report # XXXX for XX/XX/XXXX. I have asked this to discontinue any and all credit freeze that they may be involved in under my name/s.I was at XXXX XXXX # XXXX in XXXX Arizona to purchase a washer & dryer and was unable to complete the order or credit card application due to inability to recieve the credit information from Experian. Also XXXX XXXX XXXX appears and they are under a class action suit for having a pick-a-payment loan that was illegal. XXXX XXXX as stated before no action or foreclosure should appear as this home XXXX XXXX XXXX was sold.This was sent to all Credit Companies and everyone but Experian complied. This was in XXXX # XXXX XXXX XXXX was found guilty of collecting an advance sum on a refinance by The State of California and bad faith, I have advised Experian about sharing information regarding myself as not to and they continue.I did not want or apply to these XXXX XXXX XXXX on my Credit as a request that I know nothing of.4 requests by XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and these things remain for 2 years.capitol 1 for an  auto loan which I did not apply for.XXXX XXXX  XXXX never applied for a car.
Product: Debt collection

My name is XXXX XXXX and my account number is : XXXX. I am disputing the charges that is being taking out of my checking account for {$250.00} because its not helping to pay for the loans that I applied for. I am still receiving calls and threats for the accounts to be sent to legal representation regarding non-payment of loans. 
So I really would like to stop these proceedings so that I can try to clear these debts up on my own. 
Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is in violation under the FCRA. They have violated 15 USC 1681a ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. All the accounts demanded of fall under these federal law so if CONGRESS DEMANDS these accounts to EXCLUDED from a consumer.report WHY IS EQUIFAX WILLINGLY REPORTING THEM IN DIRECT VIOLATION! XXXX has responded they VERIFIED the accounts past 45 days THAT I NEVER DISPUTED TO BE INCORRECT there for EQUIFAX conducted a FRAUD RE-INVESTIGATION. I NOW DEMAND EQUIFAX UNDER 15 USC 1681i by definition of investigative report TO PROVIDE ALL NAMES AND ADDRESS OF THOSE PERSONALLY INTERVIEWED to verify such accounts and IF THIS INFORMATION CAN NOT BE GIVEN THESE ACCOUNTS MUST BE DELETED because a proper investigation WAS NOT CONDUCTED
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX lists a credit card account with multiple accounts with the actual opening of card on XX/XX/XXXX ( # XXXX ) credit limit XXXX with high balance of XXXX, updated on XX/XX/XXXX ( showing date closed XX/XX/XXXX ). Credit limit increase to XXXX ( # XXXX ) on XX/XX/XXXX with a carry over balance of XXXX. ( date closed XX/XX/XXXX ) Acct : XXXX shows a high balance XXXX on XX/XX/XXXX without credit limit info. XX/XX/XXXX ( # XXXX ) shows a credit line decrease of XXXX with high balance of XXXX XXXX years later! There are no late payments or fees involved and clearly this is erroneous.
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is with both XXXX XXXX XXXX XXXX XXXX and Equifax, XXXX had a charged off credit card account that I paid {$2700.00} on to settle before Covid hit in XX/XX/XXXX. They had already written this account off for {$15000.00} when they added a bunch of fees and interest. Non the less I paid it as requested, I had two payments of {$680.00} to pay when XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I got back on my feet and was able to actually pay down the charged off account to a {$0.00} balance/full settlement I had to start over with {$4000.00}, which I paid XXXX and finally the last {$1000.00} on XX/XX/XXXX. They sent me a paid off letter, same one they sent Equifax, which obviously interprets things differently because they left my balance as a {$12000.00} balance, which it isn't. My balance is {$0.00} and this account is settled in full. It should of been taken completely off my credit file as a negative item. This am I get an email showing my dispute to Equifax XXXX is wrong, still showing this as a negative item, even though it is supposed to be a {$0.00} balance. It never had a {$12000.00} balance, because I paid {$1000.00} on XX/XX/XXXX, then {$2000.00} on XX/XX/XXXX, then another {$1000.00} on XX/XX/XXXX where it was settled per XXXX XXXX XXXX agreement, The numbers that were written off shouldn't be showing as a balance still, but it does on Equifax so I disputed it again with the {$0.00} balance letter I received from XXXX on XX/XX/XXXX. 

So this afternoon i got an email alert from myfico.com ( a service i pay for ) saying Equifax posted the wrong information to my account, like its a " bad '' thing I paid off a charged off account, which is wrong! It violates the letter of the law of the FCRA of 1970 with accuracy mistakes and fairness. Some " XXXX ' from a XXXX XXXX XXXX who was laughing at me, while going through the verification process again. This time I got heated because they were just playing games with me, a clear violation of Fair Reporting of information on my file. I'm writing in because I have spent 6 months working on my credit files with the three major reporting agencies, fix one item, another error such as this comes from a positive? How is that. Because Equifax, nor any of the Creditors is held to Fair or Accurate Reporting of my information on my file on line. I have proof I settled this to {$0.00}, XXXX XXXX XXXX XXXX XXXX Representatives sent me a " Congratulations Your XXXX XXXX  Balance now has a zero balance '' letter, but Equifax screwed it up and turned a positive situation into a negative. I want this NEGATIVE INFORMATION removed immediately because it's not factual and it's vindictive. The next complaint i make will be with XXXX XXXX, State Attorney in Florida, where i live and where this business was conducted with these creditors/credit reporting agencies, etc. I will seek damages.
Product: Credit reporting or other personal consumer reports

.I am writing to formally dispute the account associated with Flagship Credit Acceptance . The account has been inaccurately reported as a charged-off account, and I am requesting validation of the alleged debt. Furthermore, I have discovered that a collection agency is listing Flagship Credit Acceptance as the original creditor. I am requesting that you provide validation of this alleged debt and the necessary documentation as required by law. 

Please provide the following : Validation of the debt associated with the account number : XXXX. 
The name of the collection agency to which this alleged debt was sold. 
The amount that the collection agency purchased the debt for. 
The correspondence sent to me informing me of the alleged debt and that it would be sold. 
In addition to the above, I request the deletion of this account from my credit report due to inconsistent information being reported and the re-aging of the account, which is keeping it on my credit profile longer than is legally permissible. I am fully aware of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and will exercise them accordingly. 

If this information is not provided, I will seek legal action for the violation of my consumer rights.
Product: Mortgage

My husband and I applied for a mortgage modification from our lender Capital One. We were approved and began making payments on time. We were told that if we made three consecutive payments we would be approved for the new modification mortgage. A few months later we were asked to sign and have a notary of our signature so we sent back and Capital one told us they did not receive. They later called back and said they found the signature. We continued paying the mortgage and a week later they needed another signature motorized. This was a concern because we had already been approved and now we have to sign again with a notary. We sign and had notarized but the paperwork never was received so Capital one sent us a letter that our modification was cancelled. I immediately called and asked them to please reconsider but they told us we need to reapply and now are trying to charge us outrageous fees. Please help us resolve this matter. I feel that the company should be investigated for poor business practices. The server should have had all paperwork signed, notarized and completed before making any approvals on the loan. Captial ones practices are poor and deceptive business. We want our modification we were approved for back without all these added fees that we are not getting because Capital one extorted money for missing signatures that they should have gotten before approving any mortgage loan. This was is what they call a servicing scam on the part of Capital one, used to trip up consumers and mess them up with their approved payments.
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 to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove 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. 
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