23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year>, Chase Bank closed my XXXX XXXX XXXXXXXX XXXX XXXX, without notifying me. I have been using this credit card responsibly for over XXXX years - I never missed a payment and always paid my balances in full. I rely on that credit card for monthly purchases relevant to my business. Closing the account was not only a shock but also caused financial and emotional stress. 

I had no idea why my credit card started to declined when making purchases. After contacting customer service to inquire what had happened, I was informed that my account was closed due to " abuse '', but could not specify beyond that. 

I would later learn that my account was closed due to filing too many disputes over a period of time. I believe it is most unethical to levy penalties against my account without any notification of any kind. If I knew that there was a limit to the number of disputes I could file with Chase, I would have altered my behavior and pushed the associated merchants harder to resolve these issues directly. 

Furthermore, during my first call with customer service, upon inquiry, the customer service representative told me that I could reapply for another business ink cash credit card. To which I did, was approved with a credit line of {$8000.00}, credit card was received, and then the account was closed, again, without notification. 

I most displeased with the lack of transparency and communication from Chase regarding credit card use and notifications. Moreover, I am equally upset with the misinformation I received regarding filing for a new application. I imagine both the account closure and new application will have a significant negative effect on my credit score, which I take very seriously. As a result of losing this account, I have had to apply for other credit cards to compensate for the loss of access to credit ( my credit limit was {$12000.00} ). Consequently, submitting new applications and opening new accounts will further damage my credit score. 

As I mentioned, this has caused me financial and emotional stress. I'm curious to know if this behavior violates any consumer rights? 

I hope that my submission of this complaint is helpful in changing policies regarding credit card account closures and notifications. 

Sincerely, XXXX XXXX
Product: Credit card

This account with SUNCOAST SCHOOLS FED has a balance of {$3500.00} which is labeled as a charge off account on my consumer report. As a bank I am pretty sure they filed a 1099C form for this debt I incurred to be in compliance with the IRS. Now a charge off gross or ordinary income. It is cancelled debt and its not suppose to be on my consumer report. Under Fairness and Accuracy reporting a charge off can not be reported on my consumer report and it has for the longest in return hurting my ability to live my best life. IRS said a charge off is gross or ordinary income, income doesnt get reported on report. Case Grugger V. USAA. This balance is on my equifax but not on my XXXX account so it is also inaccurately reporting and again causing me not to live my best life.
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 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  The above accounts have violated my rights according to 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 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. This needs to be removed immediately.
Product: Debt collection

I am being contacted by Credit Control, LLC., XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX in their attempt to collect a debt for said XXXX XXXX rendered by the original creditor XXXX XXXX XXXX XXXX of XXXX XXXX, XXXX, for services that were never provided to me at any time. 

I have already had to dispute this matter with XXXX other previous debt collection companies as well as to have their negative reporting to my credit report removed and I have on every occasion proven to be exempt, and or at no-fault to these claims. 

I have written and sent via USPS Certified mail a letter to Credit Control , LLC the most recent collection company to AGAIN request they prove my legal liability for this debt. 

As it appears that this specific debt continues to be resold and purchased by separate debt collections company 's I would like to know how I can end this cycle and stop this fraudulent and unfounded debt collection nightmare?
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX  v. XXXX XXXX Corp., No. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 
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, credit repair services, or other personal consumer reports

The three major credit bureaus : XXXX, Equifax, & XXXX  are reporting erroneous items on my credit. I have been disputing with the credit bureaus for months now and have yet to hear back from any of them! It's been over 6 months and they have yet to send me any letters or results! There are seriously inaccurate items reporting on my credit not allowing me to buy a home and they have not been responding. This is ridiculous, under the law you have 30 days to respond to my disputes and it's been well over! These items must be removed from my credit immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score is decreased by more than 130 points, My Lender XXXX XXXX ( XXXX XXXX XXXX  ) has reported account is deliquent on XX/XX/2021, where as I did the Full Last full payment on XX/XX/2021,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The inquiry occurred without my knowledge and these inquirys occurred without my approval. 
I sent letters to the Three Credit Bureaus on XX/XX/XXXX, XX/XX/XXXX. 
XX/XX/XXXX The Inquirys have not been removed and I have not recieved a responce.
Product: Mortgage

We are selling our home with a short sale due to us being unable to make the payments any longer. We have two loans, primary through XXXX XXXX  and HELOC through an investor being services by SLS ( Specialized Loan Services LLC ). Both XXXX and secondary lien holder have approved the short sale. XXXX has given us a deadline of XX/XX/XXXX to close the sale or they will begin foreclosure. However, SLS ( who do not own the loan but simply service it and get paid for it by the investor ) hs made everything possible to jeopardize the closing before the deadline. They have been very slow to provide documents needed for the closing, they have sent the wrong documents and despite daily calls from us and our realtor they refuse to meet the deadline for the closing. we feel they have been doing this intentionally because they get paid service fees for the loan and once the loan is closed they will no longer be paid. Their inaction is leading us to foreclosure and we feel we have done everything within our power to complete this short sale and avoid foreclosure. SLS is jeopardising this short sale, despite prior approval by all parties and we need your help.
Product: Credit card or prepaid card

Amex denied a {$120.00} charge for no reason, and after making a payment the balance in full 30 days prior to the due date cause they set an extremely low limit.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, y
et they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting

Equifax is continuing to report inaccurate information on my credit file. There are XXXX state tax liens that are satisfied and paid. XXXX # XXXX XXXX Co Court {$42000.00} # XXXX XXXX County Court for the amount of {$44000.00}. I have never owed these amount. Equifax is still showing a balance due on these state tax lien. 
According to FCRA 611 ( a ) if consumer reporting agency can not validate the information in their files or to furnish the source of their information, the credit reporting agency must deleted immediate from consumer file. After many attempts to get information from Equifax to provide me with their source I have yet to received anything. And although it shows a balance on accounts it also preventing me to buy a home for my family and also allow me to obtain a promotion form my job.
Product: Mortgage

I requested the 180 forbearance on my mortage as granted to me by the federal cares act. I was contacted by a XXXX XXXX XXXX, on XX/XX/XXXX and was told I was granted the forbearance, and he requested that I send an email to the company attesting to my financial hardship from covid ( which is not allowed by the cares act ) but I sent the email anyways. Then a month later I find out, I was never granted the forbearance and was not given a reason as to why my federally granted rights were being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported my account was closed to the Credit Bureau, but it was never closed I was still making payment, and the XXXX XXXX was making reports when ever I was at least 30 days late. Also, the amount they said I owed was never updated. Now I paid it off in full, but it still is saying I owe, but I paid it off in full as of to date.
Product: Credit reporting or other personal consumer reports

I am writing to complain to EXETER FINANCE LLCXXXX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting or other personal consumer reports

Company response to requested validation came back with statements from credit card company ; which does not prove that I, myself, agreed to nor opened said account. Company response to proof of assignment contract, as I have no prior knowledge of the company LVNV/Resurgent and do not have a contract with them of any kind to owe them money or giving them right to report on my consumer report! Ive reported multiple times, and nothing has been done to correct the issue. LVNV took it upon themselves to buy a debt account of their own accord, I have no contract with them, owe them nothing, and they do not have the right to report under my name! The violation of my rights, and all attempts made to correct this issue without result, will be forwarded to the FTC and Attorney General ; and any other entities to bring awareness to the extortion attempts, as well including the lack of support from the CFPB in making this right.
Product: Debt collection

About XXXX of XXXX I received a call stating I owed a debt. I informed the company that I never taken out a loan. The company stated that they needed my address to sign paper work for identity theft. I never received anything or heard from the company again. Starting in XXXX of XXXX my wife received calls stating that they needed my to sign papers and if not they would pursue legal action. One call stated they would try my workplace. I never until early XXXX. When I called the Gurstel law firm representing XXXX XXXX, they stated they were going to send verification of debt that would explain in detail who is responsible for debt, on XX/XX/XXXX. As of XX/XX/XXXX the company has not furnished this information.
Product: Credit reporting or other personal consumer reports

I requested that my personal information be verified for accuracy. There are addresses, names, and employers on my credit report that dont belong to me. There is also an account showing missed payments that were not missed. I have tried to dispute these errors over the last 24 months and seemed to have been ignored.
Product: Credit card or prepaid card

The company involved is " Chase Card Services '' or commonly known as J.P. Morgan Chase ( JPMC ). Other creditors referenced below are not a part of this " complaint. '' In XX/XX/2023, I learned I was the victim of ID theft and 5 accounts at 4 creditors were opened in my name without knowledge or authorization from me. I found the accounts through my credit report and contacted all creditors. There were 2 accounts at Chase Card Services ( CCS/JPMC ) and 1 each at 3 other creditors. I contacted all 4 creditors, the 3 credit bureaus, and FTC Identity Theft report center. XXXX XXXX, XXXX, and XXXX found in my favor, notified me, and had the negative accounts removed from my credit report occurring in an improvement to my credit score. 

Of the 2 CCS/JPMC accounts, only 1 was ever used before it was charged off. The other was closed before the startup fee was paid. I focused on the negative account. CCS/JPMC denied my dispute saying " The account was opened with an address we confirmed through public records. We mailed credit card statements to this address, and they were not returned. '' I contacted CCS/JPMC and said I have a " public record '' that I live at a different address and did not receive any CCS/JPMC statements. I imagine the fraudsters may have received the statements and did not voluntarily return them, thereby self reporting their crime.

I then disputed the denial. I submitted the referenced letters from the other creditors finding in my favor as evidence to CCS/JPMC. They denied the dispute again and said " You have accepted responsibility for this account '' and " We previously sent a one-time passcode to your verified phone number. '' I personally never accepted responsibility nor received a passcode ; however, I imagine the fraudsters did that in my name. I then contacted CCS/JPMC again to see about my options, they said something like they will look into it but ultimately denied me saying, " Our latest review confirms our previous finding that the account is valid '' and " You're responsible for the account in accordance with your Cardmember Agreement. '' Also, that no further review will be taken w/o new information. More of the same ; not my agreement as I never applied. I am now seeking assistance here.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I reported some unauthorized charges that were made on my newly opened account. I received an email stating that the dispute was denied due to " They found that the transactions is Consistent with the payment history, the account is new so I don't have a payment history, the only payments that were made is what the scammers sent to themselves within hours of the account being opened. I asked that they reinvestigate this matter as I am in great need of the money that was sent to me and everyday, puts me in a worse position with my bills. I have never had or used a Venmo account prior to me opening this account on XX/XX/XXXX. The only transactions that were authorized on this account was for XXXX XXXX for {$5.00} ( since I was new to Venmo, I wanted to ensure that I gave her the right information before sending the money ) and XXXX XXXX for {$3400.00} ( sent the rest of the money now that the account was verified by me. The unauthorized charges were made to XXXX XXXX and someone name XXXX XXXX which are the scammers that compromised the account. I do not know any of theses people The account wasn't even opened 24hrs, the transaction were made minutes apart so they were able to send themselves all the money within hours. I logged in the next morning to send the money to my bank so I could pay a bill which is why the money was sent to me only to discover that my {$3500.00} was gone. Venmo will not assist in this situation, I have called and sent several emails and nothing has been done to rectify my issues. I asked that they provide me with the info that lead to their decision and im ignored. 

Venmo stated that they received an email from me stating that my son was responsible for the unauthorized charges, I never sent an email regarding XXXX XXXX being responsible. I also made them aware that my email was compromised and I no longer used that email which is why the email in regards to the complaint came from a different email. Also, I provided proof as to how the email was compromised and install a " Rule " on my computer that anything with the word Vemo would be directed to them so they were able to respond on my behalf even though I am not the one they are responding to. Why would I send a complaint and turn around and send another email that it was XXXX XXXX fault, that should have been a red flag as well as there were two different email with this communication. The compromised email : XXXX. Correct and the email that I sent the complaint : XXXX. I did not receive the emails that they were sending because Venmo was sending the email to the compromised email. Venmo was made aware of the new email but say that they sent it to the compromised email. Attached you will find a screen shot of the rule that the hackers made on the compromised email which all Venmo communication was sent. XXXXenmo had this proof in the complaint and did nothing with it. I have tried to talk with Venmo but no one would discuss the findings with me and now I see why. Please escalate this as I have been dealing with this for months. I can be reached at XXXX if you need further info.
Product: Vehicle loan or lease

The loan was/is for a XXXX  XXXXXXXX XXXX XXXX The loan was a 72 month term paid via automatic withdrawals from checking account. The problems are with the last payment. 

Problem # 1. The last payment was not taken automatically as the first 71 payments were.

The payment was less then a full payment but not taken out. I called to inquire as to why this happened and was told this was " company policy '' as the amount was less then the full payment. This was never communicated to me in any way and I was forced to call a toll free automatic time waster to resolve and make a manual payment. 


Problem # 2 After wasting time on the phone I had to make a payment online that was a manual electronic payment. I have a confirmation number. Now the company is refusing to send the title for 20 business days after the loan is paid in full. The finial amount due and payment are the same. The customer service rep was on the phone with me while I entered the exact payment amount required to pay off loan. The fact the loan is paid in full is not in dispute. What is in dispute is they are refusing to immediately send the title, stating the " company policy '' requires 20 business days to release title plus mailing time. It is my understanding that California law required the title to be immediately handed over to the customer upon full payment. While I accept a few days delay 20 days is excessive. Again the fact the loan is paid in full is not in debate. 

The XXXX XXXX Santander Consumer USA XXXX XXXX XXXX XXXX TX XXXX
Product: Credit reporting or other personal consumer reports

Three Hard Inquiries that I don't recognize from the following companies XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB Card Inquiry XXXX XXXX XXXX JPMCB Card Inquiry XXXX XXXX