23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Chase is not honoring an advertised promotional rate for its pay-over-time credit card feature, My Chase Plan. 

I have a Chase credit card. On XX/XX/2024, I saw an advertisement on chase.com for Chase cardholders. The advertisement offered " {$0.00} plan fees when you set up your first My Chase Plan by XX/XX/2024. '' ( I have not previously had a My Chase Plan. ) The advertisement does not mention any other conditions of eligibility for this promotion. See attached screenshots of the advertisement. 

On XX/XX/2024, I logged into my chase.com account and attempted to set up a My Chase Plan for a particular transaction. While the website showed that the transaction was eligible for a My Chase Plan, it showed a {$32.00} monthly fee for a 6-month plan -- not the {$0.00} fee that was advertised. I called Chase customer service and asked them to apply the promotion over the phone ; however, the agent advised that they could not create a My Chase Plan by phone, it could only be done on the website. 

Consequently, I sent a secure message on my chase.com account asking them to create a My Chase Plan for the transaction that applied the {$0.00} promotional rate. I attached screenshots of the advertisement to my message. On XX/XX/2024, I received a secure message response, directing me to my chase.com account to create the My Chase Plan. The response did not address my request for the {$0.00} promotional rate. I checked in my chase.com account and saw that the promotional rate still was not being offered when I attempted to create a My Chase Plan. I responded to the secure message with that information and again asked Chase to honor the advertised rate. 

On XX/XX/2024, I received a secure message in response stating, " Many of our promotional offers are only available for a limited time and is ( sic ) a targeted offer. If you are unable to view XXXX XXXX  monthly fee, the offer is no longer available. '' Note that the advertisement on chase.com did not state that the promotional rate was a targeted offer or that there are any conditions of eligibility ( other than that it must be your first My Chase Plan -- which it is -- and that only certain transactions are eligible for a My Chase Plan -- which this transaction is ). Subsequently, I created a My Chase Plan in my account, with a {$32.00} monthly fee for 6 months, or {$190.00} total fee for the plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX   WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Debt collection

I am the agent acting on behalf of the principal of this account. Pursuant to 15 USC 1692c ( c ) I am hereby ordering Convergent Outsourcing to cease any further communication regarding this account immediately. According to 15 USC 1692a ( 2 ), the term " communication '' means conveying information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation " any medium '' includes oral, written, electronic, or other mediums. Therefore, furnishing a consumer report bearing information regarding a debt will amount to communication from Convergent Outsourcing per the Fair Debt Collection Practices Act. 

Any further communication from your company, except a communication, confirming your acknowledgment of this notice violates the Fair Debt Collection Practices Act.
Product: Vehicle loan or lease

I received a letter from PenFed Credit Union stating they were increasing my interest rate on my loan to approximately 14 % because of " your failure to provide a title for the collateral ''. 

The loan with PenFed was a refinanced auto loan where they paid off my loan with XXXX XXXX. I called PenFed and told them I didn't have the title, but would contact XXXX XXXX to see where it was and that in all my years financing cars, I had never had to chase down a title. They told me they would hold off on increasing my interest rate for 60 days while I chased down the title with XXXX XXXX. ( Spoke to XXXX ). 

I contacted XXXX XXXX who stated that the title was sent out in XXXX, 2020 to PenFed. When I called PenFed back, I got a new customer service person who told me that all they needed from me was a XXXX copy of my drivers license. I told them I had uploaded that to them months ago ... the operator ( XXXX operator ID XXXX ) was very helpful and pulled up my on-line submissions and found my drivers license. He told me he and his supervisor had put a high important email to collateral that they already had my drivers license on file and that it would be resolved with collateral. He also stated that they will contact XXXX XXXX XXXX XXXX if there was anything further that they needed on the actual title, but I didn't need to worry about it. 

My compliant is in regards to a bank being able to increase an interest rate on a collateralized loan when all they needed was a copy of my drivers license? Especially when they had an uploaded copy of my drivers license in XXXX, 2020. 

Their failure to review a document that clearly showed received in their system would have caused my auto loan payment to jump from {$430.00} per month to {$550.00} per month for their error. They provided no explanation to me as to why they needed a copy of my color drivers license and if that was a requirement of obtaining a new loan from them, why didn't they require it prior to giving me the auto loan in the first place?
Product: Debt collection

I am a victim of id theft and this debt does not belong to me
Product: Money transfer, virtual currency, or money service

I had a very bad experience with dollar loan. I talked to XXXX  and she was very rude obnoxious irresponsible and I had a very bad interchange with her period. I want to make this very clear to the managers of dollar loan if I were to hire her I would fire her in a minute period I want something done about this I want managers to know about how she was acting and how she related to me she treated me like I was a XXXX XXXX XXXX bad naughty boy. I know she's a young mother but that doesn't exist exclude her from being pleasant and business like it which I would very much appreciate. so I'm not doing business with dollar loan center anymore because of her period
Product: Vehicle loan or lease

The car was repossessed and when we contacted the company they explained the car was sold, but they are still charging us for the car. Im requesting that this be removed from my credit report immediately. The cars value was {$8000.00} and they repossessed the car for {$2000.00} so its no longer my debt.
Product: Prepaid card

I have two prepaid Amex gift cards, each pre-loaded with a value of {$100.00} ( so {$200.00} total ) and each supposedly expiring in XXXX. I received these gift cards as a birthday present from my aunt only a few days ago ( as of XXXX  ). I tried to use the cards and both of them were declined. I then attempted to check their balances using the website provided on the card ( XXXX ), where I experienced a nondescript error message. I then called the included customer service number ( XXXX ) and was told by the customer service representative that the gift cards had not been " used '' after being activated by the merchant, and thus, the funds had been sent to the state 's unclaimed funds service. I do not understand why this would have happened, as both prepaid cards clearly state that the expiration date is in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureau to inform them that these companies had performed UNAUTHORIZED inquiries on my report and the bureaus stated I needed to contact the companies individually, which I did and the companies stated they had no knowledge of these inquiries and I needed to contact the credit bureaus. The bureaus are refusing to remove these inquiries and it is causing problems with my credit profile. Several of the inquiries are duplicates. 

I received a letter from the credit bureau stating these places have a right to perform these credit inquiries, which is false. If I didn't authorize them, they should not be on my credit report. The credit bureau is still refusing to remove these inquiries. I will attach a picture of the letter they sent. 

Here are the unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I request that you promptly remove this from my credit report as it is not associated with me and is clearly fraudulent.
Product: Debt collection

This account was open XX/XX/year> The amount is XXXX I have called the company asking to have my call returned
Product: Debt collection

On XX/XX/XXXX I filed a Ch XXXX in the State of Wisconsin Bankruptcy Court docket number XXXX. Presiding over that hearing, was XXXX XXXX Ch XXXX Trustee. Included in that filing were several medical bills from XXXX held in collections by NAS National Account Systems of Madison WI XXXX XXXX XXXX # XXXX, XXXX, WI XXXX ( XXXX ) XXXX. 

Approx 3 months after the bankruptcy hearing, NAS removed all collections as active citing them under the bankruptcy. In XXXX, NAS re-aged those same medical bills, gave them new acct numbers and re-listed them as ACTIVE and reported them to the Credit agencies. I then called NAS and they removed them a second time. 

On XX/XX/XXXX, NAS AGAIN re-aged these same medical bills gave them new dates, acct numbers and re-listed them as active collections to the credit agencies. This resulted in my score dropping 44 points as of XX/XX/XXXX which is how I found out NAS had done this again to me. I have worked very hard over the past two years to rebuild my credit after filing the initial bankruptcy in XXXX and it was just reaching the XXXX score prior to NAS illegally doing this again with these discharged debts.

I contacted NAS on XX/XX/XXXX, left a nasty expletive laden voice mail to them, called my bankruptcy attorney and contacted the Hearing Officer, XXXX XXXX. I then disputed these debts as active collections with the Credit Agencies and now I am contacting you for investigation and sanctions to be levied against them ( NAS ).

The first time they re-aged a re-listed these post bankruptcy, I bought their excuse it was a " mistake ''. I let it go. However it is less than one year later after that and they have done it again. They did not call me at anytime for that would have alerted me that they were seeking to collect and they knew that these were discharged through that XXXX bankruptcy. NAS decided to again go behind the scene and place them for collections with the credit agencies. Prior to filing the bankruptcy this agency ( NAS ) hounded me constantly vis telephone for payment. post Bankruptcy this agency did call me ONCE asking for payment but instead, just re-listed them as active to the credit agencies. Now that, is BS and can in no way be construed as a simple mistake or error on their end the second time around.

Since they have violated the bankruptcy laws of WI as well as caused adverse action o t be taken against my credit score, I am seeking damages- punitive as well. I gave them the benefit of the doubt post bankruptcy the first time they re-listed these as active in XXXX. I am not giving them the benefit of the doubt this time or, letting them get away with this, this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX XXXX stating the account is accurate without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 US XXXXi, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation. The account I am referring to are XXXX XXXXXXXX XXXX  XXXX. I haven't received any proof that this debt is mine, along with receiving mail for this account with a different name, but my last name, different phone numbers, and even amounts to be paid almost XXXX  as much as what is reported. Equifax continues to fail me over and over again, hurting my credit report. Please please remove the account XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX and transunion display XXXX XXXX/XXXX  XXXX, XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX Wisconsin XXXX XXXX XXXX XXXX XXXX well as XXXX XXXX XXXX has violated my rights! 
15 U.S.C 1681 sec 602 A. States,, I have the right to privacy. 15 USC 1681 section 604 A.section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I had a XXXX XXXX XXXX that was changed to a gap barclays card in XXXX. I had one revolving charge to XXXX for a subscription service. I was told to pay off the balance on the gap visa as it would change to XXXX. My account statement was zero except for the reoccurring XXXX prime change. I changed the credit card to pay XXXX via a different card so as not to incur charges on the closing card. Barclays still changed me for the month of XXXX even though I had already paid it. They said XXXX must have taken 2 payments. All of my records do not support this and I called XXXX and there payment history was correct and I had made the XXXX payment with a different card. I have called Barclays 3 times. In XXXX, they told me the charge would be removed on the XXXX statement. In XXXX, I was told the statement would be zeroed as was correct on the XXXX statement. In XXXX, the statement now has added late charges. I had to speak to 3 people, which included being disconnected and sent to a number that someone in the background was not speaking to me and when they did I couldn't understand them. The story changes each time and I feel this company is running a fraudulent service and they are cheating people out of their money. I think most people would let this go, but I was very careful and have always taken care of my charges. What is going on with that company. There is really no assistance and I have had 2 assistants tell me it was resolved and now the third is saying that XXXX was paid and would need to reimburse them. This is not correct and even the statements don't hold up to this last persons information. Wouldn't the company talk to XXXX and resolve this? They told me I would need to talk to XXXX or just pay the difference. Something is rotten at this company. XXXX was paid by me and not by barclays. This is so not the way a credit card company should be run. As soon as this is resolved I will be closing this account.
Product: Debt collection

company LVNV FUNDING LLC has been harassing me for the past 2 years with phone calls and letters in the mail about 2 different accounts said owed. and now they are suing me without properly serving me as a scare tactic. I've asked for full proof of validation of the amount owed. asking for account numbers dates and names and addresses and reason for the money owed and they have failed to provide that to me. 

amounts claimed owed are {$5100.00} and {$4800.00}
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing.
Product: Student loan

I called first XXXX XXXX and told them I needed help paying my loans they consolidated my loan but the interest rate kept going up then Navient took over and when I tell them the payment is too high they put me in forbearance for a month or 2 at a time and I end up with a debt of XXXX from XXXX. I ca n't pay my loans it will be XXXX if I make my payments of XXXX a month I ca n't afford that
Product: Credit reporting or other personal consumer reports

The account from XXXX XXXX XXXX XXXX is having a negative impact on my XXXX  which is causing adverse effects in my life as I am trying to start my own business. I Demand that this account be removed from my credit report immediately as pursuant to my consumer protection rights
Product: Debt collection

I have a dept of {$900.00} with Jefferson Capital systems llc that I didnt make. I dispute it and still being denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX DPT ED/XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  DPT ED/XXXX
Product: Credit card or prepaid card

Well I see funds but how ever just telling me that I have XXXX $ But send me checks blank. But won't give approval nu! bet and told me I don't have a account with XXXX XXXX  but my banks stated diff
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past XXXX  days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of XXXX  times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Product: Bank account or service

A {$25.00} fee was charged to my account in XXXX. I called and it was reversed. It was charged again in XX/XX/2016. I spoke with XXXX and her supervisor XXXX. It seems the terms of this type of checking account have changed. I asked when and if I received written notification. I did not get any information. Again I asked that the {$25.00} fee be waived. I was told no. I changed to the core checking account. I feel that Bank America changed the terms and conditions of my account at some point and is misrepresenting the notification. Additionally they will not tell me when he terms changed and how I was notified. After 20 years I am disappointed.
Product: Money transfer, virtual currency, or money service

On XX/XX/22 a deposit was sent over to what was thought to be a tattoo artistXXXX creating a fraudulent account on XXXX perpetuating a fraud. See attachments Services were never rendered. XXXX XXXX is refusing to file a flail to recoup the funds sent over to the would be scan artist. XXXX XXXX is not helping either. Attached you will find the correspondences. I have since then reported the XXXX page to XXXX and the page has been deactivated. Id like my {$150.00} back immediately and XXXX should go after the scanner just as the would when disputing charges from XXXX or XXXX.