23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am VERY DISAPPOINTED with my RESPONSE FROM AMEX for the adverse action denial letter I received regarding BOTH open-ended consumer credit plan. SO, BEFORE I REPORT THIS COMPANY AMERICAN EXPRESS FOR SECURITY XXXX TO THE SEC FACT : I was denied. 
FACT : In the denial letter it was stated that my current credit report WAS USED to do so. 
FACT : 15 USC 1681i states I have the RIGHT to dispute this denial FACT : IF I CONTINUE TO BE DENIED YOU WILL BE IN VIOLATION OF 15 USC 1681 WILLFUL NON-COMPLAINCE FACT : NO COMPANY CAN PULL MY CREDIT FOR ANY PURPOSE OTHER THAN CHILD SUPPORT 15 USC 1673 ( a ) ( b ) ( c ) Public Law XXXX FACT : No company can legally report ANY LATE PAYMENTS ON MY CREDIT REPORT 15 USC 1666 XXXX a ) Timing of payments, it also clarifies how to use the opened consumer credit plan by signing each statement accepting for value and returning FACT : I WAS DENIED BECAUSE YOU WANT ME TO PAY WITH DEBT NOTES AND THAT IS NOT A LEGAL FORM OF TENDER FACT : 15 USC 1666 ( b ) Grace Period states, I have time to repay any portion of this without incurring any additional finance charges FACT : WHOMEVER CHECKED MY XXXX XXXX FOR THIS OPEN-ENDED CONSUMER CREDIT PLAN DID IT UNLAWFULLY AND UNJUSTLY. 
YOU ARE BREAKING THE LAW
Product: Debt collection

I received a call at XXXX on XXXX XXXX, XXXX from XXXX with a recording saying they were trying to reach me and to select XXXX if it was me, which I did, and I was transferred to a person who identified himself as calling from Professional Services Bureau and later identified himself as XXXX . XXXX informed me he was calling in regards to my XXXX XXXX account that was past due. I informed him I had set up auto payments on the account, and he confirmed I had but that no payment had been made since XXXX XXXX. I checked my bank account and confirmed that the auto payments had not been occurring as expected. I asked him if he could explain why and he responded only that I needed to pay the balance in full or at least half of the amount. I requested the balance in full and he stated {$830.00}. I told him that was much higher than I thought it should be and informed him that I was going to need to look back at my records to determine if that was accurate and wanted to figure out why my payments had stopped. He responded by telling me I did not have to check my records I just needed to make a payment and asked how much I could pay now. I told him I was about to take a pay cut at work so the most I could do was the {$85.00} a month I thought I had been doing but with the balance he stated I wanted to check my records first. He became aggressive telling me I did not need to check my records, that I needed to make a payment, and challenged me on what records and why I would need to check them. I informed him that I wanted his name ( which he gave as XXXX but refused to give his last name ) and that he was not allowed to be challenging and aggressive towards me and if he continued that I would report him. He continued with his aggressive communications despite my comments and requests and he continued to insist I did n't need to check my records and just needed to set up a payment and accused me of being the aggressive XXXX. I ended the call at that point.
Product: Debt collection

I borrowed {$600.00} XXXX XXXX/XXXX/2013 and added to it the sum of {$320.00} on XXXX/XXXX/2013 ... ..I made 12 payments ( ACH ) totaling {$1900.00}. I repaid more than double the principle ... .after closing my bank account ... .I was never contacted by the lender ... ..I did advise them that the loan was not legal in pennsylvania ... .I was contacted by a company in XX/XX/XXXX by the name of XXXX ... I ask them to provide details in writing which they did not and hung up ... ..recently ... they contacted me with threatening actions ... .I again ask for written details ... .never rec 'd ... ... then i called the payday lender ... XXXX ... they said they had no details of my account other than it was sent to XXXX. ... I called only to hear they sent to XXXX XXXX XXXX ... .they in turn sent it to XXXX ... .i called them and they said they outsourced to collection companies. ..but that they would pull back and cancel ... ..they gave me a number to call ... .Pinnacle asset recovery ... i spoke to the manager ... XXXX XXXX ... .he advised they wold close the account and stop all outsourcing ... ..i ask for email saying same but have not rec 'd ... ..he said they did n't want issues with Government or PA dept.of banking ... ... .I never heard from any of the above including XXXX until I heard from XXXX. I have banking details showing payments if needed.
Product: Checking or savings account

We are living in times where I feel that regulators are watching but not really taking action. 

It's past time for Citizens Bank to receive a big fine. Let 's wake up to make the bank fix it? 

Another mailer sent directly to me ( name and address ) with a promotion to open a checking account. 

Just like in complaint XXXX, this new promo code also shows up as invalid after entering ALL my information. Initially the website accepts it, but after providing all my information including SSN, it says the promo code is invalid. 
Citizen 's reply to the previous complaint was simply absurd, saying the promo code was applied. Of course it wasn't, how am I going to continue the application when the systems tells me that the offer is invalid. 

New mailer and website screenshot attached. 

So why their website is showing it as invalid, and inviting me to continue to open the account without any promo code attached? Very convenient for the bank to allow you to be a new customer and not pay the bonus. 

I consider this to be a scam by Citizens Bank. 

It is FRUSTRATING to see regulators allowing this repeated offense. 
I need to use all caps : PLEASE, PLEASE, PLEASE wake up and show Citizens they can't be that careless or scammers. It's your country, don't you want to make irresponsible businesses like Citizens to either fix their problems, or shutdown? You won't help the country get better if you keep allowing irresponsible banks to operate like that.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such an account and also other documents so I may review to see if this is actually an account that belongs to me. This company has failed to provide me with such documents. 

This company continues to report multiple instances of inaccuracies on my credit report, which are in violation of the Fair Credit Reporting Act. Despite repeated disputes with the credit reporting agencies, these errors persist, threatening my financial credibility and potentially harming my access to credit. I urge the Consumer Financial Protection Bureau to investigate this matter promptly and ensure compliance with the FCRA to protect my consumers rights, Validation of Debts 15 U.S.C. 1692g Account reporting inaccurate : 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 DEPT OF ED XXXX, DEPT OF ED * XXXX, DEPT OF ED * XXXX, DEPT OF ED XXXX, DEPT OF ED * XXXX, DEPT OF ED * XXXX, DEPT OF ED * XXXX, DEPT OF ED XXXX, DEPT OF ED XXXX, DEPT OF ED XXXX, DEPT OF ED XXXX
Product: Debt collection

I submitted a police report for collection debt that was purchased by Rentrecoverysolutions. This debt is still showing on my credit. This debt is preventing me from finding housing for my kids.
Product: Credit reporting or other personal consumer reports

SPRING OAKS CAPITAL I did not enter into any type of agreement nor sign. Any paperwork contract with this company I requested to have this account removed from my credit report because it is in accurate. And I am not liable for this with XXXX XXXX or XXXX XXXX XXXX
Product: Credit card

I set my credit card to pay via ACH for the XXXX cycle of 2015. Per the vendor, the amount posted of {$6200.00} was declined by my bank. Per my bank, no amount was ever posted against my bank account. Regardless, after getting an email from the vendor, I paid the full amount outstanding on the account as of XXXX XXXX, 2015, {$7700.00}. The vendor continued to charge me interest for the next XXXX months on purchases that were made after the XXXX of XXXX - the date on which I had a XXXX balance. I 've called the vendor to complain and was told that the interest was for " residual interest. '' I explained that I understand the concept of residual interest but that because my balance was at XXXX, there ca n't be any interest on a XXXX balance. I spoke with XXXX other icustomer representatives and Interest in the amount of {$210.00} that the vendor asserted I owed in the XXXX statement was verbally credited back to my by a customer representative and I was told that I would see a credit on my account in the next XXXX days. However, the vendor asserted that even though my balance had been paid down to XXXX, I am still liable for a total of {$190.00}. The maximum amount that was outstanding for the ten day period was {$7700.00}, the total amount due on my account on the XXXX of XXXX, per the vendor. {$190.00} for ten days of a balance at a maximum of {$7700.00} is nearly 100 % interest. Per the 15 % stated by the vendor, I should owe approximately {$31.00}. I have closed this account with the vendor. I have contacted the vendor on XXXX separate occasions about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two alleged derogatory collections on my XXXX and Experian consumer reports from XXXX XXXX XXXX for {$13000.00} and XXXX XXXX XXXX for {$5900.00}. These are not on my XXXX consumer report, and they should not be allowed on my XXXX or Experian consumer reports. I did not give XXXX permission to place these two alleged collections on my consumer reports, and by law, they have to ask the consumer for permission. I did not permit them to provide this information to my consumer reports.
Product: Credit card

I received an unsolicited Amazon Business Card from Synchrony Bank. Amazon then decided that the card was my default payment method and started charging all of my purchases to it - not just my business purchases. 

I have not received a statement and when I called - after finally getting a human being on the phone I was told I had asked for electronic statements. Not so much- and I haven't received any of those either. I checked diligently - no such statement. 

When I requested a paper statement I got a major league run around but the agent finally agreed to send me a paper statement. The matter was complicated by the fact that English was clearly not the agent 's primary language.

She then told me that it would take 3-4 weeks to get me a paper statement.

The whole thing is a violation of the Fair Credit Billing Act. Amazon and Synchrony are both culpabl and should get called on the XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Hey hope all is well, I just viewed my recent credit report from XX/XX/XXXX and I discovered some inquiries, accounts and public records that I did not authorize and also have no connection to me, I have also attached the evidence in accordance to these erroneous claims. I am a victim of XXXX XXXX and would like these stated inaccuracies that have no permissible purpose to be on my report removed. All inquiries and accounts and other erroneous reports should be removed due to violation of 15 USC 1681b. 

According to 15 USC 1681 : As the consumer I have the right to privacy and I did not give XXXX or ANY other bureau written permission to furnish these accounts. Also information furnished needs to have " Maximum possible accuracy '' XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

I am writing to request the disputed amount case be re-opened to a full investigation about the line items that were purchased on  my Chase Saphire Reserve cr edit card.     I ordered  XXXX   XXXX   XXXX  on the rocks ( ~ {$12.00} ) and a cigar ( I dont recall the brand or exact price, I believe it was around {$14.00} ) and I left approx. a  XXXX - XXXX  $ tip. My transaction should be for around {$30.00} with tax and tip. I am requesting that  XXXX   ( Merchant )  pulls all credit transactions from that evening on  X/XX/17    used by the credit processing machine in their location for the amounts of  XXXX - XXXX  $ and supply them to Chase. You will find my line items  (   XXXX  + a cigar ) and my approval signature for those items with the transaction which you can have your chase fraud prevention team run a forensics test on the signature and compare it to the hundreds of transactions I have signed for in the past. You can clearly tell based on what the merchant sent and the copy of my drivers liscense it is not my signature on the  XXXX  $ charge, and I never approved this to be charged to my credit card.     I am demanding the amount be corrected for the transaction I approv ed ( {$30.00} ).      I asked Chase to ask the vendor to turn over all invoices from that night to see if there are any charges in the  XXXX - XXXX  $ range that have a  XXXX  and cigar on them and provide them to chase to match my signature. I also asked Chase to request the merchant turn over all data from the POS when line items were added to the machine, as I can prove by another transaction with  XXXX  that I was not even in the establishment when the invoice was started, thus proving I did not order the aforementioned on the invoice chase tried to use as evidence.     Chase has failed to escalate the investigation, and they have notprovided me with concrete evidence that proves beyond a reasonable doubt I did in fact purchase their laundry list of items on the invoice. All they provided was a signature that was not mine, a map of the location, and a vague statement from the merchant saying how they process credit cards. There was a clerical billing error and I am furious Chase sends back lackadaisical responses saying that their investigation agrees with their first discovery without sending concrete evidence. I have been done wrong here by Chase as they are holding me responsible for a transaction I did n't approve.
Product: Credit reporting

There is a judgment on my credit report which does not reflect as being satisfied. To date, XXXX and XXXX have completely removed the judgement from my file. However, Equifax has not removed this from my credit file although the judgment has been satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX and used my consumer law that's it illegal & demanded to remove off my credit report and they refuse so now I'm taking this matter to XXXX  & Attorney General. I have 18 unauthorized inquiries listed on my credit report from XXXX
Product: Debt collection

As, I was signing up to the gym, the employee never stated to me that I would be stuck in the contract. I had believed that it was like XXXX or XXXX XXXX where you cancel when you no longer require the service. I moved away back to Texas and did not send the paperwork in time and my account was sent to collections. Please, understand that I am trying to regain control of my credit. I am still living in Texas and would like to know what I can do to fix this. I am trying to make amends and move forward positively. I have not been able to find much stability over the past few years and would like a chance to begin a new. Currently, I am looking for work and am currently in financial hardship with the hopes of becoming proactive about taking care of this to get me in a better position with my credit.
Product: Payday loan, title loan, personal loan, or advance loan

I have had two loans with lendumo the first loan I took out was {$300.00} back in XX/XX/XXXX. It was paid off XX/XX/XXXX. I reapplied on XX/XX/XXXX for a second loan I got the funds of {$810.00} on XX/XX/XXXX I paid down the principal making the loan term shorter. The loan term was originally 8 months long but I paid down the principal making the final loan term XX/XX/XXXX. I have been successful with making payments on time until I experienced a hardship. I had a payment due on XX/XX/XXXX. I spoke to an agent and stopped the payment but I was able to make a payment on XX/XX/XXXX of {$2.00} then I made a payment of XXXX on XX/XX/XXXX that was the missed payment from XX/XX/XXXX. I reached out yesterday XX/XX/XXXX. To stop the ACH I have been having issues with my bank. The next two payments are XX/XX/XXXX and the final payment XX/XX/XXXX. Im still struggling to get back on track. The loan balance yesterday was XXXX and now it is XXXX. I spoke with an agent named XXXX and she told me that the late fee is from a payment that I can pay it online. Im being charged for a late fee for a payment that hasnt been drafted out. I have been a loyal customer with lendumo since XXXX of XXXX I have not had any issues in the past. And I wanted to reloan in the future. I would like to consider what I have paid closed and settle.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am writing to inform you that there is 100 % improper use of the credit report attached to the SSN! XXXX, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, birth certificate, driver 's license, and a w2.This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN. POTENTIAL LAWSUITS LIST : XXXX, XXXX and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. 15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never HAD A CONTRACT WITH THIS COMPANY. PLEASE REMOVE THIS. 
Account Name JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never HAD A CONTRACT WITH THIS COMPANY. PLEASE REMOVE THIS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never HAD A CONTRACT WITH THIS COMPANY. PLEASE REMOVE THIS. 
2 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
Product: Debt collection

I have a collection account with united Resource System. The original creditor is XXXX XXXX XXXX XXXX. This was brought to my attention XX/XX/2020. I have always paid them at time of visit and have no problem making my payments to them. The amount is very small {$62.00} and would not have had an issue paying them. I never received any info regarding this bill. This is drastically impacting my credit and ability to purchase a home and a vehicle in the near future. The company will not help me with this unfair resolution.
Product: Money transfer, virtual currency, or money service

I used Remitly to send money to my family ( on XX/XX/2020 ) to help them during the covid19 and I opt to send the money to the bank account of my family member. The amount was {$3100.00} and my family member did not receive the fund till today, though I have received the receipt that the funds are available in XX/XX/2020. Because I did not know where the backlog is it happening XXXX or with the USA. I decided to use a different money transfer agency ( XXXX XXXX ) and I sent only {$200.00} to the same bank account and my family member was able to receive the funds in 3 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS must remove any items no later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX PXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$110.00} ; XXXX XXXX ( Original XXXX XXXX XXXX XXXXE ) XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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: Bank account or service

My husband and I opened an equity line of credit with Bank of America. During some tough times, we used the {$35000.00}. which was the amount of the credit line. I had been working to pay it down, when suddenly I started getting notices that I was n't paying enough, they wanted more monthly payment. Well, living on XXXX, I was paying all I could, so I just kept paying, Then I started getting collection notices. I went to the Bank on XX/XX/2017 and spoke to the manager, thinking maybe we needed to refinance or do a modification. Well XXXX, was looking through the account on the computer, and asked us about an {$80000.00}. draw. We about fainted. The account had a {$35000.00}. limit, and since we had taken bankruptcy, it also said it had " 0 '' available. So I had n't used anyting, just trying to pay it down. 
So the band gave someone {$80000.00} on an account with a {$35000.00} limit, and then was charging us for it. 
I have filed this with the local sheriff 's office, reported to XXXX, also filed with FTC, who suggested I contact you. 
Bank of America says their fraud department is looking into it, but I have not heard anything from them. The Sheriff 's Detective is supposed to try to contact them today, but I have not heard anything as yet from him. I have not heard from XXXX for two weeks now, so I have done some research online, and following suggestions there. 
I thank you for anything you can for us. I feel that Bank of America is in so much hot water right now, that they are n't worried about my little claim. 
Thank you XXXX and XXXX