23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I went to the XXXX, XXXX branch of Chase on XXXX and XXXX. I was going to travel to XXXX XXXX for two to three weeks and wanted to pay a little extra on my credit card to a credit balance in case the bill ( s ) came in while I was out of state. I have done this in XXXX, XXXX and other chase banks in XXXX. I believe I had a {$50.00} balance due, and wanted to pay $ XXXX on the charge card account. I have XXXX charge cards with Chase. The drive through teller told me they would have to check with their manager, again I drew I believe XXXX XXXX XXXX, the asst mgr who informed me I could n't do it. I do n't know if he has a personal vendetta against me or not, but the only Chase person I 've ever had problems with is XXXX XXXX, other employees at this branch and the manager are nice, cordial and customer service oriented. He threatened me with the drive through teller listening that if I insisted he would either close my account, or recommend that it be closed. I do n't understand the problem, just put $ XXXX payment in the system. I could mail in XXXX checks for {$50.00} each or XXXX check for $ XXXX and they would take it automatically. I do n't appreciate this ongoing personal vendetta by XXXX XXXX against me, and had to write the CEO of Chase to get a response. The regional manager, I believe named XXXX (? ) who was cordial and professional, and I asked him if Chase does n't want my business, I will just take it to another bank or branch.
Product: Checking or savings account

On XX/XX/XXXX I did a mobile deposit payroll check from my employer. XXXX XXXX XXXX in Ohio. I received notification from chase that it was being processed and would be available XX/XX/XXXX. I called XX/XX/XXXX to make sure that was accurate, XX/XX/XXXX being a holiday and the gentleman said yes at the latest the XXXX. XX/XX/XXXX I check my account and it says the check availability changed to XXXX called chases deposit XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX stated she would need to call my employers bank ( XXXX ) to XXXX she could lift the hold. She returned to the phone and said the XXXX rep stated the check was not good and was returned for insufficient funds. That same morning I contacted my employer who sent me documentation the check had been processed and cleared. I spoke with a XXXX rep that stated the check had cleared and no one would've told them the check was bad or returned. I called back to Chase 's deposit review dept and was told by the first rep there was a hard hold by the system and no one could override it, no fault of my own it was the system. I asked to speak with a manager, she stated he was going to tell me the same thing because no one in chase could override this hold. He stated my employer was known for bad checks and the check looked suspicious so the security team needed time verify its validity and wait until the check cleared. Once I made him aware I work a city government position and they have provided me documentation it cleared so there was no valid reason to hold my funds, he stated well we need to make sure they don't reverse it. It was a payroll check not a personal check. I asked to be transferred to the corporate office because everyone had a different reasons and I felt like I was being profiled. I put in a claim with the corporate office who said they would investigate. XX/XX/XXXX I received a message from Chase XXXX stating there was a hold and to reach out to their XXXX XXXX team to see if it could get lifted. This time I was told the check was being reviewed by the security team for validation. How is a check that has been proven to be good, processed, cleared and paid still be getting checked for validation. At this point they are withholding my funds for no valid reason and to keep insinuating the check may be fake after its been verified I am a public employee. This is profiling and discriminatory.
Product: Debt collection

I HAD A CREDIT CARD DEBT WITH BOFA THAT I WAS UNABLE TO PAY AT THE TIME OF COVID DUE TO THE CLOSING OF MY BUSINESSES. I HIRED A DEBT SETTLEMENT COMPANY TO DEAL WITH BOFA. THE DEBT SETTLEMENT COMPANY WAS FEDERAL DEBT RELIEF. FDR MADE AND AGREEMENT TO SETTLE MY DEBT BOFA AND CHARGED ME A FEE TO DO SO. I PAID THE AGREED UPON FEE AND THE MONTHLY CHARGE WHICH ACCORDING TO FDR WAS PAID TO BOFA FOR TWO YEARS. FDR THEN NOTIFIED ME THAT THE DEBT WITH BOFA WAS SETTLED. BOFA NOW SAYS IT WASN'T. ALSO FDR NOW WILL NO LONGER TALK TO ME AND HAVE MADE ALL MY RECORDS UNAVAILABLE.
Product: Debt collection

Date : XX/XX/2023, amount of the debt : {$240.00}. The collection company : CREDIT COLLECTION SERVICES. File number : XXXX XXXX. PIN : XXXX. 
CCS PAYMENT CENTER, XXXX XXXX XXXX, XXXX XXXX  XXXX According to Credit Collection services, I owe XXXX XXXX XXXX {$240.00} for property insurance. I have not purchased or rented any properties. I have also never contacted or signed any property insurance contracts/declarations with XXXX XXXX XXXX XXXX I do not rent or own any properties. Why would I need property insurance? I have called Credit Collection Services for many times and explained that it is a false collection. I also wrote a dispute letter and disputed the collection but they still keep sending me the collection letter that requires me to pay {$240.00}. 

Please ask they to verify the correct information, delete the false collection and stop contacting me. Thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was going through my Credit report and saw a few hard inquiries which I dont recognize in total XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XXXX of 2024, HSA Bank, a division of Webster Bank, N.A., Member FDIC, decided to change custodians for its investment accounts to one that I am not able to use. As an employee of an XXXX, there are a limited set of XXXX  who can custody securities that are acceptable to my Firm. HSA Bank 's new XXXX  was not acceptable to my Firm. 

I decided to close my account by transferring it to another XXXX  on or about XX/XX/XXXX24 and HSA Bank approved the request on XX/XX/XXXX24. 

The investment assets transferred quickly via ACATS ( in-kind ) but the cash balance maintained by HSA Bank have not been transferred despite repeated calls and assurances that it might take up to 6 weeks for the transfer to take place. 

Now, XX/XX/XXXX/24, the HSA Bank personnel are suggesting yet another form needs to be completed. 

These tactics are dilatory and may be designed to ensure stable balances at the Bank over execution of legitimate customer requests. 

HSA Bank should not have any process that takes 6 weeks to complete a rollover and should certainly be more thorough in its follow-through as we are now going on 10 weeks to obtain funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a copy of my experian credit report and notice several inquiries that I did n't authorize. I also had a breach with  XXXX , but they rectified the problem immediately. I wrote a letter to experian explaining to them that someone was inquiring about my credit report without any consent from me. I was advised by experian that I had to contact the creditors directly and advise them of the unauthorized inquiries and they will notify the credit bureaus and the inquiries will be removed. I wrote each and every company that inquired ab out my credit file without authorization from me, it has been over 60 days and I still have not had any reponse. In the meantime I also aquired a police report as this situation is causing great harm to my credit score an d making me not credit worthy. The inquires are as follows :   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

Do to my understanding it was false information on my credit report that Equifax XXXX an XXXX credit report agency place on my credit report with proving IDENTIFICATION card an PROFF of incorrect information due to identity theft incorrect address I'm correct name an my data was expose due identity theft requested everything be removed from my credit report due identity theft
Product: Mortgage

Our account is current etc ... there is no legal basis for their refusal to remove PMI. As shown in our online account with State Farm Bank, our mortgage balance went below 78 % Loan-to-Value on XX/XX/2017 with the balance on that date being {$110000.00}. 
Original property value at loan origination is {$150000.00} 78 % LTV is {$110000.00} Our actual monthly payment is {$730.00}. State Farm is adding PMI charges of {$56.00}, hence State Farm is requiring a total monthly payment of {$790.00} State Farm continues to Violate the law regarding cancellation of PMI. 
In an attempt to make XXXX continue paying, State Farm sent us this threat to refuse payments without PMI : Excerpt from that threatening letter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX : Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX TX XXXX Dear Customer : Please be advised that your XX/XX/XXXX payment was {$52.00} less than the correct payment amount. 
To bring your account up to date, please forward a check in the amount of {$52.00} to Cash Management Department, XXXX XXXX XXXX, XXXX, NJ XXXX. 
The words " SHORT PAY '' and your loan number must appear on the check. 
We can not accept short payments and will return any short payments we receive in the future. Thank you for your cooperation. 
Sincerely, Customer Service Department XXXX
Product: Payday loan, title loan, or personal loan

I took out the loan in late 2019 ( XXXX ) in the amount of {$800.00}. Since then I have paid {$190.00} every two weeks for a total of over {$2300.00} to this lender and now I find out that I will have a balloon payment of {$900.00} at the end of the term. I was not informed of this at the time of origination of the loan and would not have agreed to this. I have more than paid back the money borrowed, several times over and ask to be released from this debt immediately. This type of predatory lending is unethical and should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to opt out of The Work Number they refused.
Product: Credit reporting or other personal consumer reports

I have submitted a dispute letter to the Credit Bureaus on these following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX  and XX/XX/XXXX. These items on my report have been over looked on many occasions. XXXX, XXXX, TransUnion have all ignored my complaints. Im sending another round of letters as of today XX/XX/XXXXXXXX  regarding the items on my report Creditor : XXXX XXXX , Account : XXXX Creditor : XXXX XXXXXXXX XXXX XXXX , Account : XXXX Creditor : XXXX XXXX XXXXXXXX, Account : XXXX
Product: Debt collection

. I received a letter from D & A Services dated XX/XX/XXXX, regarding the alleged debt. The letter contained amount, plus any fees, and interest owed so far ( those were {$0.00} ). Under the Fair Debt Collection Practices Act, Section 809 ( b ), I requested validation of the debt by email by sending an email to D & A Services ( XXXX ). Email is dated XX/XX/XXXX ( deadline to reply set by D & A Services in their original letter was XX/XX/XXXX ). Email is attached to the complaint. 

. In this email, I specifically requested the following information : => The amount of the debt as received by the original creditor ; => The name and full address of the original creditor ; => Documentation proving that I have a legal obligation to pay this debt ; => Verification that the debt is within the statute of limitations. 

. In a letter dated XX/XX/XXXX, I received copies of credit card statements in return to my request for validation ( in chronological disorder ). 

. On XX/XX/XXXX, I send another email to D & A Services and gave them another chance to reply to my original debt validation, and was provided more details about what I was asking, as shown below : Why you think I owe the debt and to whom I owe it : Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. I am, in other words, requesting documentation that verifies I owe the debt, such as a copy of the original contract. 
The amount and age of the debt, including : A copy of the last billing statement only, sent to me by the original creditor ; State the amount of the debt when you obtained it, and when that was ; Tell me when the creditor claims this debt became due and when it became delinquent ; Identify the date of the last payment made on this account ; Have you made a determination that this debt is within the statute of limitations applicable to it? 
Tell me when you think the statute of limitations expires for this debt, and how you determined that. 
Details about your authority to collect the debt : I need more information about your firm before I discuss the debt with you. 
Does your firm have a debt collection license from California? If not, state why not. If so, provide the date of the license, license number, and the name, address and telephone number of the state agency issuing the license ; If you are contacting me from a place outside of the state of California : does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

. In a letter dated XX/XX/XXXX, the answer remained the same : I received copies of credit card statements, without any additional information regarding the authority of D & A Services to collect the alleged debt. 

As of today, XX/XX/XXXX, 3 months after I received the initial letter from D & A Services dated XX/XX/XXXX, I consider the debt has not been properly validated and its ownership verified as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$6200.00} XXXX XXXX {$2400.00} XXXX XXXX XXXX   XXXX {$7200.00} XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX - {$870.00} - XXXX XXXX XXXX XXXX - {$330.00} - XXXX XXXX XXXX XXXX - {$1100.00} - XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - {$420.00} - XXXX XXXX XXXX XXXX XXXX XXXX - {$790.00} - XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX past due 369 Account status charged off .Date opened XX/XX/XXXX date Closed XXXX, XXXX XXXX I made the company aware of fraudulent transactions on the card upon my release from jail. XXXX XXXX XXXX I didn't even death prevention fraud alerts and active duty alert. 
I'm also asking for debt validation. Send me a detailed list of the history of payments made by me on this account. I want to see the signature I put on this contract guarantee that I will pay this creditor. I'm asking to see has there been any insurance claimed or filed on behalf of this debt. I won't prove you have the chain of title to collect this debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account status unknown Account type collections Account number XXXX xxxxxx Date opened XX/XX/XXXX Date closed XX/XX/XXXX Past due XXXX I'm asking to see death validation Send me a detailed list of the history of payments made by me on this account I want to see the signature that I signed guaranteeing me to pay this creditor. 
I'm asking to see have there been any insurance claimed or filed on his debt. 
I want proof that you have to chain of title to collect on this debt. 
XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX Account number XXXX Account type collections Date open XX/XX/XXXX I would like a letter of debt validation Send me a detailed list of the payment history made by me on this account. 
I want to see the signature that I put on the contract guarantee that I will pay this creditor. 
I'm asking to see has there been any insurance filed or claimed on this debt. 
I want to see proof that you have to chain of title to collect on this debt. 
XXXX XXXX XXXXXXXX XXXX I would like all that removed under XXXX XXXX XXXX Since my personal information was exposed during the data breach.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Fl XXXX XXXX, NY XXXX Subject : Request for Debt Validation Pursuant to 15 U.S.C. 1692g Dear January Technologies Inc, I am writing in response to your multiple harassing emails that have been sent on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, in which you claim that I owe a debt. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting full validation of this alleged debt, including but not limited to the following information : 1. A complete, detailed payment history of this debt, including all payments made and any additional fees or interest added.

2. A copy of the original signed contract or agreement bearing my signature that allegedly binds me to this debt.

3. Documentation indicating whether any insurance claims have been filed or paid in relation to this debt.

4. A full chain of title, including all documentation showing how and when your agency obtained the right to collect this debt.

Until this requested information is provided, I do not acknowledge any obligation to this debt. Additionally, if you fail to validate this debt within the required timeframe, I request that you cease all collection efforts and remove any negative reporting related to this debt from my credit reports.

Furthermore, please note that any attempt to report this debt to credit bureaus without proper validation may constitute a violation of federal law. If you attempt to pursue collection efforts without verifying this debt, I will consider all available remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney Generals office.

Please provide the requested documentation within 30 days of receiving this letter. You may respond via mail to the address listed above. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have now disputed this Item twice and the bureaus have failed to respond. They have also failed to notate in the summary the account was disputed within 30 day time period this is a violation of 623. I sent letters out XX/XX/XXXX and XX/XX/XXXX. Date of last activity is being reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. High credit is being reported {$8800.00}, {$0.00}, {$8200.00}. XXXX, Experian and XXXX  have failed to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on my Transunion credit report
Product: Debt collection

On XX/XX/XXXX I contacted Medical Data Systems and requested validation of 2 account s they are reporting against me and provided current contact information. On XX/XX/XXXX I contacted them again with a copy of the first letter and reminded them that the 30 days they had to validate the debt was nearing expiration. To date Medical Data Systems has failed to provide validation of the debts that Medical Data Systems ( not the original creditor ) is reporting against me, and they continue to report these debts to credit reporting agencies.
Product: Checking or savings account

There was a fraudulent account open in my name and Bank of America said that it was closed and removed from credit report but it was never removed i have called numerous of time and provided the same information ftc, police report, photo I.d . I am requesting this to be removed off my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX SS XXXX XXXX XXXX This is the second time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX CT XXXX, GA XXXX XXXX XXXX CT XXXX XXXX TN XXXX XXXX FORT XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX PEMBROKE XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, GA XXXX LIKE WOULD A FREEZE OF ALL MY CREDIT FILES ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2.FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3.FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX SV Account Number : XXXX Please remove it from my credit report. 
7 FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
8. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
9. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
10. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
11. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report. 
12. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
13. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
14. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
15. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report.

16. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit repORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Capital One regarding my application and the stated my application was denied becausedthey could not get my information from XXXX and XXXX. 

I contacted both agencies and they did not receive a inquiry from Capital One.