23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/31 I received a noticed In The mail stating all my banking accounts including checking, savings and credit cards were being closed without any explanation. I pay all my bills on time and have been a chase customer for almost 20 year and I have had multiple loans with them. I have regular recurring transactions with the bank nothing that would be consider suspicious just paycheck deposits, loans, loan payments, credit card payments. I dont understand why my accounts are being closed and Chase never offered an explanation or a chance for me to defend myself against any reasoning they might have to close my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX the XXXX XXXX XXXX XXXXXXXX XXXX has been unfairly treated due to the nature of improper credit reporting, and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION. 
I do not owe any debt or any alleged debt. 
I also refuse to be an implied surety/debtor. 
These are few of many violations done on my good name ; which breaks the law. 
NOTICE TO CEASE AND DESIST stop all COMMUNICATION any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the consumer report ( bearing Information regarding the alleged debt ) See 15 USC 1692c ( c ) See attachment with cease and desist request : XXXX XXXX XXXX
Product: Credit card or prepaid card

I am a natural person/not a third party Capital one has closed my open end consumer credit plan without my consent pursuant to 15 usc 1637 ( h ) cites, A creditor of an account under an open end consumer credit plan may not terminate an account prior to its expiration date solely because the consumer has not incurred finance charges on the account.

Theyre is no where in the truth in lending act that states that a creditor can close an open end consumer credit plan/an alleged credit card for 5 or more returned payments. This was an individual action that took place and wasnt authorized by me. Also on the terms and agreement plan with capital one also says that there is no penalty for returned payments and they have to abide by federal law to close my open end consumer credit plan.they also continue to report late payments to my consumer report without following federal law or providing any reasonable documentation to verify that a late payment is accurate pursuant to 15 usc 1681a ( 2 ) ( I ).
Product: Debt collection

I was summons to justice court in XXXX of XXXX attorney had false information.the judge gave the attorney for the claimant 30 days to provide legal documents. The attorney did not show back up but lady from XXXX XXXX stood up and said this dept has been paid.the judge dismissed the case aginst me.now its up again.
Product: Debt collection

My name is XXXX XXXX XXXX on or about XX/XX/XXXX I was informed by my XXXX  that PORTFOLIO RECOVERY ASSOCIATES a debt collector does not have permission to collect debt in my state of Michigan THEY DO NOT HAVE A LICENSE TO COLLECT DEDT IN MICHIGAN AS OF XX/XX/XXXX XXXX ... .IT IS ILLEGAL TO COLLECT DEBT IN MICHIGAN WITHOUT A LICENSE ....
Product: Credit reporting or other personal consumer reports

This stole money from me over a period of 10 years. The lied about helping and they could not provide the progress but took money out of my acct.
Product: Credit reporting

I have spoken with the credit report agency directly and the person I spoke with gave conflicting information. Currently, I have opened disputed with XXXX XXXX XXXX as well as Equifax because they are certain that the account is mine but when I speak to them about the inconsistencies in the data that was provided. Both Equifax and XXXX XXXX XXXX state that they are sure the account is mine and leave it at that. 

I understand that XXXX XXXX XXXX is a business and need to recoup funds and Equifax is a credit reporting company but this is my life on the line and I will escalate it as far as I need to go in order to get this corrected. 

Case number : XXXX is the one that is opened for XXXX XXXX XXXX
Product: Credit card

I took advantage of a {$3000.00} balance transfer in XXXXXXXX XXXX XXXX at 0 % interest for 6 months to my Chase Sapphire credit card. It was not disclosed to me at the time of applying for the balance transfer that 1 ) an interest will be charged on the entire balance of the card, including the promotional amount, each month with no grace period. Effectively, this negates any description of the offer as a 0 % offer. 2 ) that even if I pay my entire balance immediately, this card will never again have a grace period, and so there's no way to avoid daily interest on any balance, ever, no matter how quickly balance is paid off. 
I was not informed of these terms at the time of applying for the offer, and in fact, the 0 % advertised rate is both inaccurate and misleading. 

I discussed all this with an account supervisor at Chase called " XXXX '' on XXXX and she confirmed what I've written above, and offered to reverse the incurred interest once and mail me the Terms and conditions. This does not remedy the harm done, as the conditions were not disclosed to me at the time of applying for the balance transfer. Further, the current situation penalizes me as a consumer by removing a previous grace period on this card forever, simply because I applied for a balance transfer offer. 

Thank you for your assistance with this matter. At a minimum, I would like the terms and conditions on the card restored to the original terms, which include a grace period allowing interest to be avoided if balance is paid in full before the due date each month.
Product: Credit card or prepaid card

After roughly 25 years with CitiBank, I carried a high balance for a majority of the time I was with Citi. I paid tons of interest, and finally finally got my balance down. I have paid with money orders since the very beginning with CitiBank, all while sharing this account with three other family members. We had four different cards, all with the same account number. Individually, we made our big purchases using this account and would gather all of our money together in a money order to make payments. All of our accounts were in GREAT standing, and without any warning, all of our accounts were terminated and our rebates ( {$3600.00} ) was also terminated - NO WARNING!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a certified dispute letter was sent to Transunion LLC Credit Bureau XXXX XXXX, XXXX PA XXXX, regarding public record XXXX. The public record was not marked, " disputed by consumer '' which violates section 611 of the FCRA and is not accurate in reporting which violates Bankruptcy Law. 

On XXXX a certified dispute letter was sent again to Transunion Credit Bureau XXXX XXXX XXXX PA XXXX, for disputes reasons 1 ). the public record XXXX failed to contain the city and the state which violates the Bankruptcy law and the FCRA. 2 ) The public record continues to report inaccurate information and does not reflect it has been disputed by consumer which is my legal right as a consumer and citizen.
Product: Vehicle loan or lease

I lost my job in XX/XX/XXXX due to XXXX and was unemployed until XX/XX/XXXX. During that time I was on unemployment which was far less than my normal income and struggling to pay bills. I kept in close contact with you guys every step of the way and got repossessed XXXX. Furthermore you refused to let me defer even XXXX payment despite you saying youd accommodate those impacted by XXXX. I was told by numerous employees as long as you pay even a little bit youll be fine. That turned out to be a lie as that didnt matter. I was also never informed or warned the first time you towed my car, and when I did call the person I spoke to was shocked as my account wasnt even XXXX  days past due and I had a pending/scheduled payment AND the towing company damaged my car and nobody even got back to me. The XXXX  and final time you repossessed me I once again wasnt informed, nor were the police. My car got towed in and sent to an auction in less than XXXX hours and I never EVER received any type of notice in the mail before or even after. I was told my account was okay as I had just made a payment below the regular amount but it was all I could afford at the time and your customer service people didnt ever tell me those payments didnt count, nor did they tell me when i made extra payments which I did they didnt apply either. I was in constant contact with you sometimes calling XXXX or XXXX forms a week and I was even commended for being in touch and making payments and nobody ever told me I was about to be towed. You guys destroyed my credit, I had a perfect auto loan record and made me pay more than was left on my loan and lied to me. And lastly my title has the wrong address on it despite you confirming itd be accurate.
Product: Debt collection

There is an amount of {$2700.00} being reported on my account from ACIMA CREDIT XXXX XXXX from XX/XX/2019. I have no knowledge of this being mine nor had knowledge it was being reported on my credit report negatively. I have not gotten enough permissible data from the company of my written agreement or consent that I initiated this debt. And this violates my right with the Fair Credit Reporting Act.
Product: Checking or savings account

I have yet to receive my deposit from my job. Normally I get the money deposited into my account Thursday morning and I have yet to receive it. I tried to get a hold of capital one but the wait time was over 120 minutes. I received a email saying theyre having technical difficulties and will try to resolve the issue by Friday morning, well its 7 pm and I have received no updates. I have bills to pay and its really frustrating that this problem isnt happening to only me but multiple other people as well. My account is overdrafts due to capital one not processing my direct deposit on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  reporter a debt that is not mine. I never lived at the property reported during the time reported
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I opened a auto loan with XXXX XXXX. In XXXX, XXXX I called XXXX telling them I would be out of the Country and would be making a " double '' payment. This result was a 30 day late for XXXX, XXXX. I called XXXX and they are very hard nosed and would not remove it. 

In XXXX, XXXX ... I filed a complaint with Experian over this 30 day late payment. I received a call from a XXXX representative a week later saying ... watch this. 

On XX/XX/XXXX I opened my credit report to a 80 point drop, and a 30 day late payment reflected for XXXX, XXXX and a 30 day late for XX/XX/XXXX. 

I called XXXX and they refused to remove it. The Specialist stated, thats what you get for disputing with us. Those late payments were a result of a " returned '' payment. XXXX took 24 days to take those funds from my bank. At which point I had changed banks, and resent the payment via credit card, BEFORE the bank returned the payments. 

XXXX response was .... '' its still late ''. My statements show I was not late, assessed no late fees, ect.
Product: Credit card

In fall of last year, I opened a credit card with AmericanExpress. They were concerned after I used the cardthat I was a security issue, demanded to contact mybank, etc. I canceled the card and they said they wouldcancel the $ 75 yearly fee. They keep sending mestatements charging me this fee, even though the cardis canceled. My credit score is now being affected bytheir reports to credit bureaus. I do not owe them anymoney and have called multiple times. I asked in earlyXXXX for evidence the account has been canceled, itis attached, as well as recent statements.
Product: Debt collection

This company knows this account was open due to identity theft. They called several times saying I owed this money to XXXX. I explained to them I never had XXXX in my name because my husband works for them so we get free cable. Every time I asked to verify the social security number they had they never did. Every time I asked them to send the information by mail. They brought up an address in Alabama and I live in Colorado. I also let them know my identity had been stolen as well. I will also like to add I did have a fraud alert on my credit but I finally lifted it last Friday now they put this on my credit on yesterday XX/XX/22.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

Inaccurate Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

We received a 30 day late on our credit report on XXXX from Freedom Mortgage. All of our mortgage payments were made on time since XXXX. We do not understand why this was reported late to our credit report. We called Freedom Mortgage once back in XXXX to question a past due balance on the statement but Freedom Mortgage could not find out why. So we continued making monthly payments per the app. The app from Freedom only told us the monthly payment was due and we paid that every month. I have not received any late payment notices via, phone calls, text message, emails etc. If we were late the payment definitely would be made as we have and can prove the funds are available. We do get a lot of marketing emails from Freedom Mortgage so there is no reason they could not let us know a payment is past due. I do not believe the account was late and any reasonable attempt was made to contact us that a payment was late. The app never reflected anything late and should if a payment is past due or show a different Balance. This is obvious a mistake on Freedom Mortgage and needs to be resolved immediately. I need the 30 day late mark removed from all credit reporting agencies immediately. 

The same complant was sent to BBB without success
Product: Credit card or prepaid card

On XX/XX/2018 I purchased via my Wells Fargo credit card XXXX  program 2 one way tickets from XXXX to XXXX XXXX for {$300.00} XXXX. My points paid the balance. This transaction was done by telephone while I was on the XXXX   website with their agent. After confirming the flight and the ticket price displayed on their website with the agent on that website I agreed to the purchase. I was warned by the agent that once I agreed to the price and she hit the button there was no refund or turning back. I agreed and she proceeded. After about a two minute wait she returned and told me the price increased by {$190.00}! I was less than happy but needed the tickets paid. I then called Wells Fargo to complain about their bait and switch pricing and demanded a refund of my points. They assigned a case # XXXX but would not communicate in writing. I did not hear from them. On XX/XX/2018 I contacted them again # XXXX with no response. I followed up two weeks prior to this email, they took the info and promised to provide written resolution by mail regarding the complaint. Tonight XX/XX/XXXX I received a voice mail from the XXXX XXXX XXXX program, not from Wells Fargo customer care with a new confirmation # XXXX to call. I did so and talked to an agent, then her supervisor, then a company executive who after 10 minutes never answered So Im in a pickle! A Wells Fargo company investigating another Wells Fargo company, sending me from one to the other with no resolution and refusing to resolve in writing. Therefore Im hoping the USA government can assist
Product: Debt collection

There is false Debt collection item being reported on my credit report history from company called : RENT RECOVERY SOLUTIONS.
Product: Credit card

On XX/XX/2015 my wallet was stolen out of my husbands hospital room. I reported it to hospital security as well as crime check, Claim # XXXX. That evening I called and reported it to the lost/stolen number for Macy 's. The next day they called and told me that my card had been used at a XXXX XXXX ATM machine for {$240.00}. T that would have proven that I. I have called every month for 8 months to check and have been told it was it was in process. About 3 weeks ago I called and was told it had been denied. I asked how to go about appealing and was told to write letter with any pertinent information, which I did. I 'm frustrated that it has taken 8 months to come to this decision. My Macy 's account had no balance at the time my wallet was stolen and now with all of the late charges my balance {$510.00}. I feel that they should have acquired the photos that would have provided the proof that it was not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

as stated before, I am a victim of identity theft
Product: Credit card

I was diagnosed with XXXX XXXX XXXX and had to file a XXXX claim because I am unable to work. After they paid the limit of the XXXX claim, they began charging me a {$7.00} fee. I was never charged this fee until I filed a claim. Now I paid off the balance completely and they are still charging me {$7.00} a month. I called them and was told that this was a fee that they charged and when I explained to them that I never paid this prior to me filing a XXXX claim, they said it's a fee that they charge. I asked for a copy of my contract and never received it. This is not OK.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax, XXXX, and XXXX XXXX several times about fraudulent activity on my account. I sent my XXXX drivers license and passport serveral times and can not get my reports.
Product: Credit reporting or other personal consumer reports

Citizens Pay Line of Credit attempted to make a payment to my account tied to my XXXX credit card. However, XXXX erroneously closed my card for fraud. I explained the situation to them, and they assured me that they would remove the erroneous report from my credit report since I had proven the error was on XXXX 's part, not mine. Despite their promise, they have not removed it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to this item being on my report it is causing me to lose out on career opportunities as well as being a better credit profile. Under the 15 U.S.C 1681 section 602A. 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. Please Update the following accts as the balance are wrong. Some of these have not been updated since XX/XX/2022. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX. These balances being incorrect is causing my debt to ratio to be off balance which is causing credit score to be lower than it should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX 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 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 crime which antedates the report by more than seven years. 

15 U.S.C 1681-2 ( 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.
Product: Credit reporting or other personal consumer reports

Portfolio recovery refuses to validate the debt. On their online portal it does not show this account but they refuse to remove it from my credit report. I have documents showing on their site I owe nothing. It is the only collection on my account and it is fraudulent.
Product: Student loan

Contacted Aidvantage customer service XX/XX/2023 @ XXXX XXXX and requested the automated service to speak with a customer service representative. After being on hold for 59 minutes, I spoke to customer service agent XXXX XXXX to make my request. He did not have the answer to my question and performed a quick search and informed me the Department of Education website does not allow principal only payments with extra payment with existing unpaid interest. After again making the request, he placed me on hold to consult with the team lead XXXX XXXX and again informed me that I can not make a principal only payment.
Product: Debt collection

Be it known to all who call themselves " government, '' their " courts, '' agents, and other parties, that I, XXXX XXXX XXXX, am a consumer whose consumer rights are to be protected by the Fair Debt Collection Practices Act, Truth In Lending Act, Equal Credit Opportunity Act and Fair Credit Reporting Act. I certify under penalty of perjury that the foregoing is true and correct. This statement of truth to be presented will display blatant acts of consumer rights protection violations and fraud against myself being a consumer by Discover Financial Service located at XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX ; which will continuously be referred to as " Discover ''. On XX/XX/2021 I sent a cease and desist and alleged debt validation letter in regards to an unauthorized credit transaction listing on all of my credit reports that violates 15 usc 1692C ( b ), which was performed by Discover Financial Service to Discover via certified mail. The cease and desist and alleged debt validation letter sent certified mail was acknowledged and received by Discover on XX/XX/2021. On XX/XX/2021 Discover responded to my request for alleged debt validation and remedy with two documents that completely violate 15 USC 1692g and 15 usc 1692b. Again on XX/XX/2021, Discover responded to my request for alleged debt validation and remedy with another document that violates 15 usc 1692g, 15usc 1692b, 15 usc 1666b, and 15 usc 1605. After receiving these direct consumer rights violations from Discover, the company continued to collect on this alleged debt that was never validated by continuing to report to all credit reporting agencies which violates 15 usc 1692C ( b ). The documents that were sent to me by Discover are corrupt and misleading which violates 15 USC 1692e and 15 usc 1692j. Discovers illegal debt collection practices are unfair and unjust and violate 15 usc 1692f. This company has since then closed the accounts in a negative standing and have created much hardship for me financially, mentally, emotionally, and professionally which violates 15 usc 1692d. This statement of facts clearly displays that Discover knows that they have participated in illegally debt collection practices and continue to violate my consumer rights. The below list of facts is proof that Discover has been violating my consumer rights, disregarding federal laws, defaming my character, limiting my financial freedom, affecting my familys current and future means of living.