23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

COMPLAINT : 1. I DO NOT UNDERSTAND WHAT CHASE BANK IS NOW DOING WITH MY CREDIT CARD A : WHAT LAW ALLOWS CHASE TO INCREASE MY CREDIT CARD RATE TO 25.24 %. THIS IS ABUSIVE AND USURY. 
B ; HOW CAN CHASE AND ALL BANKS GET MONEY FROM WE THE PEOPLE AT 1 % OR LESS AND THEN CHARGE OVER XXXX XXXX IN XXXX, XXXX XXXX IN XXXX XXXX 25.24 %. THIS IS USURY. MY RATE SHOULD BE XXXX OR LOWER AS MY OTHER CARDS C : AS YOU KNOW, THE SECRET TO USING ANY BANKS MONEY IS NOT TO HAVE A BALANCE. FOR OVER 2 YEARS, I HAVE HAD NO BALANCE AND CHASE IS GETTING NOTHING FOR ME. 
D ; MY CONCERN IS THE MILLIONS OF ELDERLY IN XXXX XXXX COUNTY WHO ARE BEING ABUSED BY THE BANKING SYSTEM. 
PLEASE ADVISE MY RIGHTS? 
CHASE IS TELLING ME. 
XXXX XXXX, YOU HAVE NO CONSUMER BILL OF RIGHTS. 
NO ONE CAN REGULATE XXXX AND WE CAN CHARGE WHATEVER WE WANT
Product: Credit card or prepaid card

For the past 6 months I've been trying to get a credit line increase with AMEX. I've been a customer for over 3 years, my family for decades and even referred many others in who now have accounts with high credit limits. After seeing others receive such high limits I decided to apply for an increase my self not understanding why my limit is so low when I consistently use the card monthly, Always paid on time, and never issues with AMEX yet I was declined with their reason cited a derogatory account that never existed. I requested the account to be manually underwritten to which my evidence offered ( copies of my credit report showing I've never had a derogatory account ) was denied and I was told it's being declined even though their info is inaccurate. Fast forward to XXXX after their own Credit Bureau Unit team ( which no one told me they existed until today ) confirmed herself after pulling all 3 of my reports I have nothing marked as charged off or derogatory. She warm transferred me to the CLI team and explained that to them over the phone, to which the CLI team stated well " we're still declining for that reason even though it's inaccurate. '' Then I stated I'm filing a complaint with the CFPB because this is beyond ridiculous for the supervisor XXXX ( employee ID : XXXX ) to suddenly change the declination reason to usage of my AMEX card. He stated even though my card is paid in full every month, and I pay off my balance before using the card that month again ( I pay my card off after EVERY transaction ) that is also a reason for decline. So I'm being told I'm supposed to have this reward card for delta, I have to split my purchases monthly to earn my points because they're refusing to increase my credit limit for false reasons, then tell me I'm being penalized for working with the small credit limit I'm stuck at because they're refusing to rectify their wring. I've never had issues with AMEX before so it's very disheartening that it even came to this point of me filing this complaint. At this rate me and my family are just going to pull the savings account, credit cards, and stocks we have with AMEX I can't continue to support a business that has no regards for their customers.
Product: Credit card or prepaid card

After an audit of my finances I some fraudulent charges on my credit cards. I was told because the charge is over 60 days old I wouldn't be able to file a claim how is this legal unfortunately for I don't always check my statements and usually just make payments I am now fully reviewing my statements monthly so this will no happen again. 

XX/XX/15 XXXX XXXX {$19000.00}
Product: Credit reporting or other personal consumer reports

Dear sir and or madam please see attached of bureus response 's there is proof I did request my reports, attached is the same documents I attached in all three envelopes to XXXX XXXX @ Exsperian proof of idenity I AM NOT PUTTING THIS IN THE MAIL AGAIN this is how identity is stolen and I don't appreciate them asking for it over and over again, as well I don't appreciate there emails to me soliciting credit watch and easy access to my files XXXX for a fee, if you notice there asking me to supply this information attached again, in attached clearly stating I filed a dispute when I don't even know what is accurate or not only thing I asked for with attachments included requested my report and ask them with supporting documents to add a consumer statement to say : Anyone trying to extend credit in my name to call my cell phone first @ ( XXXX ) XXXX as you can see and still not resolved I have supplied PROOF CFPB that you must protect us from companies like this and I am holding you responsible for failure forcing them to comply OI BETTER HAVE MY FULL REPORTS BY THE XXXX XXXX XXXX XXXX 30 days are up
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 

XXXX5 U.S.C. 1681 Section 602 A. states I have the right to privacy.

15 U.S.C. 1681 Sections 604 Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 166b A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any reason. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX
Product: Checking or savings account

On XX/XX/XXXX I and another party were victims of a scam. I gave back the funds threw Zelle and they were not sent to that person. Then on XXXX the XXXX an online reversal was done on my account which put it in the negative. I have called the bank and visited the bank where a banker seen that I was a victim of a scam and that my money should be put back into my account. I called the bank on XX/XX/XXXX to find out what was going on in which they told me that they have reached out to Zelle to give me back my money in which has not happened and then I talked to the online banking in which they told me that there is nothing they can do but I need to talk to the person who I sent the money back to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a personal loan with this company to pay off some credit card debt, etc. in XXXX, I was fired in XXXX of that same year and I was having financial problems to the point of not being able to pay timely. In XXXXXXXX XXXX XXXXXXXX, I lost my job as they were trying to make the arrangements to help me repay this debt and get back on my feet. However, I was denied unemployment along with no financial assistance due to having friends and family that disowned me due to my financial situation as they felt I never learn. My family disowned me due to my XXXX lifestyle telling me that I was an " abomination '' to them and a XXXX XXXX I was also evicted from my home along with losing my vehicle, I have not had a place to live since XXXXXXXX XXXX XXXXXXXX, they continue to send mail anyway and my former landlord explained to them MULTIPLE times that I was not allowed to have mail UNLESS pre-approved to do so and they CONTINUE TO LIE on top of EVERYTHING else. I was going to repay the debts out of XXXX but Upgrade the original creditor CLAIMED that COULD NOT accept payment for the personal loan account, I called them in XXXX to arrange payment having spoken to SEVERAL representatives, they claimed they were investigating the account for my debt forgiveness/repayment plan and THEY LIED ABOUT SELLING THE PERSONAL LOAN to XXXX XXXX XXXX XXXX in which they sold my credit card account that I had with them as well. I opened the accounts to rebuild my credit and I was going to use the credit card as make a down payment on a vehicle that I wanted to acquire and go from there. I had EVERY intention of repaying this debt and NO intention of this situation escalating to a financial situation that was BEYOND my control. This issue has triggered my XXXX and other XXXX XXXX issues causing me to be on XXXXXXXX XXXX XXXX XXXX XXXX. This issue HAS ALSO made me want to XXXX XXXX SEVERAL times. I have NO money for therapies  as I am trying to get back on my feet with stable income, a place to live and a vehicle. 

Thank you for your understanding and attention to this matter. 

XXXX XXXX
Product: Debt collection

I am writing to formally dispute an account reported by FUNDO that has been listed on my consumer report. I am disputing the validity of any and all debts alleged to be owed to this collection agency. Additionally, I am revoking their right to contact or communicate with me in any way, effective immediately. Under the Fair Debt Collection Practices Act ( FDCPA ) and the regulations established by the Consumer Financial Protection Bureau, I am exercising my right to request debt validation. Specifically, I am requesting the following : 1. Validation of the debt in accordance with 12 CFR 1006.34 ( b ) ( 5 ), which has not been provided to date. 2. The purchase agreement between FUNDO and the original creditor to establish their right to collect on this debt. 3. Proof that FUNDO is licensed and bonded to collect debts in my state. I would like to bring to your attention that I have not been given the opportunity to dispute this account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Furthermore, FUNDO has violated my consumer rights by using false, misleading, and deceptive means in their attempts to collect this debt. FUNDO has no authority to furnish any account to consumer reporting agencies without providing the necessary disclosures required by law. This failure to comply constitutes a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). In light of these violations, I am requesting that the CFPB take immediate action to investigate and address this matter. I expect the account in question to be removed from my consumer report until proper validation is provided and my dispute is resolved. Please confirm receipt of this letter and keep me informed of the progress of your investigation. I am prepared to provide any additional information or documentation that may be necessary to support my case. Thank you for your attention to this urgent matter.
Product: Mortgage

I have a mortgage that was with XXXX XXXX XXXX. It has been sold around. I lost my job and then found another job. I tried to get a loan modification. Each time I was denied for bogus reasons. Now my loan is with SELECT PORTFOLIO and they are doing the same thing. Denying me a modification. My home was almost paid for and now they are adding balances and fees from everywhere. I requested validation of the debt and my payment history from SELECT PORTFOLIO, UNDER THE LAW OF THE FDCPA. I NEVER RECEIVED ANYTHING FROM THEM, YET THEY ARE THREATING TO FORECLOSE ON MY HOME. SELECT PORTFOLIO IS NOT ON MY PROMISARY NOTE OR DEED. IT IS LISTED WITH XXXX AS THE BENEFICIARY. A LOT OF MY FULL PAYMENTS WENT UNREPORTED. THIS IS WRONG. PLEASE HELP ME
Product: Payday loan, title loan, or personal loan

XXXX   XXXX   notified me that  USAA  is not relaying information timely so it is hindering my use of their services
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX XXXX XXXX account # XXXX violated my rights.

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 a account with out my written instructions In accordance with Fair Credit Reporting act XXXX XXXX  # XXXX violated my rights. 

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 a account with out my written instructions In accordance with Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX # XXXX violated my rights. 

15 U.S C 1681 section 602A States I have the right to privacy 15 U S C 1681 section 604 A section XXXX : It also states a consumer reporting agency can not furnish a account with out my written instructions
Product: Checking or savings account

Opened a Capital One 11 mo CD account in XX/XX/2013 that had a 3 month penalty. Managed account exclusively using the app, which prompted me to renew at maturity and provided various new options for term and rate. I selected a 14 mo, which at no point disclosed that the penalty doubled from 3 to 6 months. Communications received from Capital One after account opening confirm other account details but not the higher penalty ( some refer to a disclosure document which is linked but does not open on app and does not appear in the apps Statements and Documents folder ). Customer service agent told me that higher penalty was disclosured on the website when I opened my original account - suggesting that I was supposed to retain knowledge of penalties for products other than those I was buying 12 months after the fact.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I want to close the account. They require me to go to branch, which is very limited and too far away.
Product: Debt collection

Paypal They call multiple times everyday and do not leave a message. On Thurday, XX/XX/XXXX I contacted them to see if they would work with me to try to have fees waived so that payments I was making were totally going toward principle. Right now the principle has almost doubled with the fees and interest added. Because I couldn't make a payment Thursday they directed me to pre-bankruptcy counseling firms. I make too much money to do bankruptcy but not enough to keep up with the cost of living in NYS. The amount owed is approximately XXXX ( XXXX ) Payment was made for XXXX and a late fee was attached in the amount of {$38.00} and interest of XXXX which only left {$2.00} going toward the balance. I became a widow a few years ago and had never managed household expenses. Also I get very small increases at work {$25.00} per payperiod yet my rent went up XXXX per month and fees doubled per year.
Product: Credit card or prepaid card

A couple of weeks ago, I received an alert from XXXX and XXXX that my report was attempted to be pulled by SynchronoyBank/TJMAXX.  I immediately contacted the creditor and was informed that an application for credit had been requested under my name for an XXXX store card as well as TJMAXX store card. I was instructed that no further action would be taken since i verified that i did not authorize this.  I was never notified by this company to verify my identity although I have IDChecks on my credit agency reports. To my surprise just a week later, a TJMAXX card shows up in the mail in my name from Synchrony Bank at my home address.  I knew this was odd because I DO NOT have mail coming to my home address. Immediately afterwards I noticed that this account has now appeared on my credit reports against my knowledge.I spoke to an agent with TJMAXX/Synchronoy Bank to cancel this account as this is the result of fraud. She advised me that there were no charges on the account and she would submit a request to close it. However, she could not verify that this would be removed from my credit.
Product: Checking or savings account

XX/XX/XXXX I was set up with an interview for work with XXXX XXXX XXXX. XXXX XXXX emailed me for interview and to take interview with XXXX XXXX on XXXX. After interview XX/XX/XXXX I was sent a job offer from them to work for XXXX XXXX XXXX. On XX/XX/XXXX the first day I was sent checks to deposit in my personal account. I didnt want to do it but because it was for the company I decided to deposit for equipment what was asked. XXXX sent me 2 {$1500.00} checks to deposit. I direct deposit into my US Bank account and they ok by putting {$220.00} available under my account while 2 checks are pending. I tell XXXX whats available and she tells me this vendors number and to send this XXXX as payment for equipment. She says to message him the {$220.00}. I thought its something Ive never done, again for the company I then set up XXXX XXXX XXXX {$220.00} then send it to vendor XXXX ( XXXX ) XXXX. XX/XX/XXXX The next day I get a hold on my US Bank account. They tell me because of checks. I send this info to XXXX and she tells me XXXX send a code to US Bank for approval. Following day I contact US Bank they say these checks are fraud and my account will be closed. I ask them I truly need account for unemployment and taxes refunds. The tell me to go into US Bank talk to Branch Manager and explain. I start talking to Branch XXXX XXXX XXXX XXXX about my situation he says XXXX email corporate about how my account needs to be activated cause Ive had my US Bank account for 15 years, never any negative situations occur. 3 days later I was told to pay {$220.00} in my account to get it to be activated again. I had XXXX $ in my account so I brought XXXX to activate account. XX/XX/XXXX My account becomes active and I order a new card so I can use my account like normal. The only thing I worry about now is my US Bank Mobile App is still on hold until they reset but because of fraud checks it put risks where online banking I have holds or thoughts of this situation. I was told to contact XXXX for return of {$220.00} to resolve this situation and get money I lost back. Ive emailed XXXX about this and they emailed back this is a scam that they dont do business here in the US . I sent them all info about this and asked for help. They havent replied back.
Product: Money transfer, virtual currency, or money service

Good day, Hi im using my paypal account XXXX to received payment from my client to my business, when i open my email address tuesday XX/XX/2023 i received a message from paypal stating that " You can no longer do business with PayPal ( Ref ID - XXXX ) '' Paypal permanent limit my account without any explanation, i follow all rules and terms and condition on paypal agreement i use my paypal account only in my business i did not do anything wrong with my paypal, i really need my account for my business because this is the only one i use to received payment from my client, can you please help me to resolve this problem can you please help me to lift the limitation of my account and back to normal please help me. 

Thank you Very much!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I attempted to apply for AMEX credit card. I was notified that XXXX and XXXX are reporting that my mortgage XXXX  XXXX XXXX  XXXX is late and Im in a repayment plan. Im contacted all bureaus and mortgage company and all of them are saying it false. I contacted AMEX and they ran it again and stated that XXXX is reporting that negative information. I am not and have not been late on my mortgage and no one from XXXX or XXXX is trying to assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is knowingly reporting incorrect information on my credit report. I have sent in verification that XXXX XXXX XXXX , XXXX  is deliberately reporting false information. XX/XX/2021 listed as 149 days late, this is inaccurate As of XX/XX/2021 this account is 321 days past due. 
This account has been listed as 149 late since XXXX of 2021 all months are inaccurate This account is more than 149 day late. 
The last payment was on XX/XX/2021 Please delete and block this inaccurate information from reporting on to my credit report. 
I have attached a last due notice statement from XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking at my credit report after my identity has been compromised some time ago I've noticed many accounts inwhich I have absolutely any knowledge of, so big and some small but I'm still taking the same steps in removing and recovering them all. These reporting unverified items I'm disputing and asking for physical documentation for each. Documentation that will afford me physical evidence as stated in the FCRA literature. I want to know who, when, and where investigated these following accounts and I'm requesting an updated correct report. Items in dispute and requesting to block from report if not supported by physical and tangible documentation. 
1 ) XXXX XXXX XXXX {$55.00} 2 ) XXXX XXXX XXXX {$530.00} 3 ) XXXX XXXX   {$490.00} 4 ) XXXX XXXX {$370.00} 5 ) XXXX XXXX  {$500.00} 6 ) XXXX XXXX XXXX {$3.00} 7 ) XXXX XXXX XXXX XXXX {$220.00} 8 ) XXXX XXXX XXXX {$200.00} 9 ) 11 XXXX XXXX {$530.00} 10 ) XXXX XXXX XXXX XXXX {$370.00} 11 ) 08 XXXX XXXX $ 201-505 12 ) XXXX XXXX {$200.00}, {$490.00} 13 XXXX XXXX XXXX XXXX {$2.00} 14 ) XXXX XXXX {$510.00} 15 ) XXXX {$0.00} 16 ) XXXX XXXX {$0.00} 17 ) XXXX XXXX   {$0.00}
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I asked XXXX ( XXXX XXXX XXXX ) to give me the info on how they received my info along with the original contract since they own an acct with my name on it. I sent the letter certified and asked to receive a response in 30 days. I received neither! I asked All three credit bureaus to verify this info and to verify how they got in info and they STILL have not gotten back with me. Its been about 75 days!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting Equifax for a couple of months regarding my credit report. They have failed to give me peace of mind and resolve my concerns! I am missing out on job opportunities, cant purchase a home and cant buy a car to take my grandma back in forth to the XXXX XXXX. These items that I listed in my ftc report are either UNTRUE UNVERFIED, INCORRECT INCOMPLETE, UNTIMELY, NOT MINE< NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! This is a violation ofFCRA 15 USC 1681i, every single one even each any or all of the unproven, non- compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirely or the alleged accounts are to be completely DELETED!
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts on my credit report, and I have no idea how they got there. I check my report regularly, but this time there were random discrepancies. I even tried refreshing my browser, hoping it was a glitch, but nothing changed. The inaccurate accounts remained. Im pleading for the documents Ive sent to be reviewed thoroughly so I can stop worrying about this.