23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

To whom it may concern, I have had a claim opened with Chase Ink business credit card since XX/XX/XXXX. Chase has not provided any update on their claim investigation. 
Background of events : My XXXX login information was stolen and was used to make following XXXX Friends and Family payments with Chase Ink Credit card : XX/XX/XXXX {$180.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$180.00} I have opened a dispute with Chase and it's been pending for almost 2 months now. I have provided supporting documentation to Chase, such as police report, confirming my identity was stolen
Product: Checking or savings account

Capital One kept me in a low interest savings account when interest rates were rising and they created another savings account with accurate interest but didn't automatically move me in to it. They didn't even tell me about it. I discovered it and eventually moved my money on my own, commenting to customer service that this was not right that they didn't tell me about it.
Product: Student loan

I requested a student loan refund in XXXX of XXXX. After some initial confusion I was told that I could not cancel the request and that the department of treasury would mail me checks. 
I did in fact get those checks in the mail, except {$4200.00}. After months of calls to EdFinancial I learn that they never sent the refund request for {$4200.00} ( which is the total number of payments I made to EdFinancial in DXX/XX/XXXX ). 

/*Payments Made to EdFinancial in XXXX XXXX and they have yet to submit to the department of treasury so XXXX can get a refund : {$470.00}, {$680.00}, {$1300.00}, {$480.00}, $ XXXX So according to EdFinancial I owe {$4200.00} but they never requested the refund to the government on my behalf. 
As of XX/XX/XXXX, the EdFinancial finance department still hasn't sent the request to the government, and even if they did, I would not get the checks mailed to me before I would have to start paying interest on them. 

So I owe {$4200.00} that was never sent to me, because my student loan servicer never sent in the request to have that money refunded. But that servicer says I do in fact owe that money and they will be charging me interest starting XX/XX/XXXX. 

I've requested that they just don't send the request to the department of treasury, since by the time they do, it will have been almost a year after my initial request and i will have to pay interest. I have asked that they just cancel that part of the request and give me a credit for the {$4200.00}. But they refuse.
Product: Debt collection

The Company name is XXXXXXXX XXXX a collection company they calls me everyday about a bill with regions bank which i know about and i told them i was on a fixed income and it also contain overdraft fees which was of supposed to have been taken care of from regions bank i think i owe about XXXX dollars i have made a payment on the account and they calls me everyday at XXXX waking me up they even called today, i want them to stop worrying me everyday i was under the impression that a person is only supposed to be contacted once a month the number they calls me from is XXXX they have called 4 times this week please help mw with this issue the cost of living here in Mississippi is awful and we do not get any help on food i am XXXX  and get a check once a month it is hard to choose between medicine and food and bills i had to stop taking some of my medicine because i could not afford it. 

Thank you XXXX XXXX
Product: Credit reporting

There is a judgment on my credit report with XXXX XXXX XXXX, docket XXXX for a collection with XXXX XXXX XXXX XXXX in the amount of {$820.00}. It shows that this judgment was filed on XXXX. I have written to the court, disputed with the credit bureaus and even sent letters to XXXX XXXX XXXX XXXX head quarters to get this judgment verified and validated per the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I have not received XXXX document that shows this account belongs to me bearing my name, address, birth date, social security number, or anything with my signature on it. I have n't even been provided with a contract from XXXX XXXX XXXX XXXX that proves I owed this money. Therefore, I have reason to believe an investigation was never completed
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX : XXXX XXXX  I withdrew XXXX from an atm machine in the local XXXX that my bank app told me would not charge me any fees. Was on the phone at the time when I seen the door with my money in it close and a message came on the screen to contact my banking institution. I called right away and was sent forms to fill out. I completed the forms and gave a copy of the receipt as well. I was told yesterday over the phone that my claim was denied. All transactions are logged so they did not do a proper investigation in my mind simply because if they did they would see the actual transaction as well as my funds still in the machine. I am a XXXX veteran and this nonsense has caused me to suffer greatly and I will always fight for what is right in this world and not stand for any wrongdoings, no matter how insignificant they may seem to these banking institutions.
Product: Debt collection

Set Financial has a charge off on my XXXX report. When disputing this with XXXX I begin to get alerts ( through my banks credit monitoring system ) saying that it was being reported by Set Financial as a charged off account. I found this interesting considering it was already showing as such. When contacting XXXX they couldnt even verify what the new credit alert was, let alone that it was from Set Financial, but again, my bank could. XXXX refused to give me information about the set account over the phone. Only offered to send me a copy of my credit report and to call Set Financial directly. I did call and they told me that they no longer owned the account. The XXXX said that they sold the account to XXXX XXXX on XX/XX/year>. This is not being reflected on any of my credit reports but still shows as Set Financial who no longer owns it. As a consumer, this crosses me as fraudulent behavior and XXXX is not offering me any resolution to this problem.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I, XXXX XXXX XXXX, have been a victim of identity theft and a data breach. As a result, fraudulent accounts have been opened in my name without my authorization.
Product: Mortgage

Green Tree Lending transferred my mortage loan to Ditech ; I did n't have a good experience with Green Tree and now I 'm having an awful experience with Ditech. Since Ditech has taken over my loan they have done nothing but harass me for a payment that is not even 60 days past due. They sent a representative to my home which their customer rep says is there practice when payments are 60 days past due XXXX my account is not 60 days past due - it was due for XXXX and XXXX but as of XXXX XXXX it is not even 30 days past due ). They have sent certified letters to my home noting the start of foreclosure proceedings for my past due account. They sent a letter to my husband on XXXX XXXX noting mitigation options for the loan even though he is not listed on the mortgage. They were calling my job everyday until I ask them to call my cell phone. Now they are calling my cell phone morning and night to discuss my account even though I have informed them of my reason for falling behind in my payments and my plan to bring my account current. I spoke with a Manager today who insisted that I make my payment via check by phone because if I used my XXXX XXXX XXXX account to make a payment that it would result in a check being mailed and a mark on my credit because it would be 30 days past due. I was transferred to the Manager because I thought he was going to address the non-stop phone calls, the daily letters in the mail, and ensure that no one showed up to my home to see " if my property was vacant ''. According to the Manager, Ditech sends a representative to the home to verify if the property is occupied once the payment is 60 days past due which my account has never been. My mortgage situation XXXX home upside down ) puts my family in a position that I am stuck with these predatory lenders ( although I have a great interest rate and have maintained a good payment history until my husband 's injury ) my loan keeps getting moved around as these companies transition from XXXX to XXXX to GreenTree and now Ditech. The mortgage needs to do more to protect homeowners from greedy, heartless, collection companies such as Ditech and others like them.
Product: Vehicle loan or lease

I submitted an auto loan application with Bank of America on XX/XX/XXXX. 

After I received the approval letter, also on XX/XX/XXXX, I called Bank of America and requested two things : 1 ) A copy of my loan application, which is not available online after it's submitted. I called four times and was denied by four individuals at Bank of America from receiving a copy of my loan application either electronically or by mail. They claimed to not have the ability or software capability to share it.

2 ) An updated auto loan approval letter showing that the APR is for a vehicle year of XXXX. Bank of America said they could not update the letter to include the vehicle year nor provide supplemental documentation showing that the loan approval was for a vehicle year of XXXX. 

I have received approval letters from other lenders that also include the vehicle year and would like Bank of America to also provide me an updated approval letter that includes the vehicle year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian. On XX/XX/2019 received letter claiming that I or someone on my behalf requested a fraud alert on the credit report. I have never made such request. 
Made multiple calls to Experian, either can never reach a live human, or kept getting transferred 5 times, or they simply disconnected the call. Also called someone in " Senior Regulatory Affairs Associate Experian Consumer Affairs '', their line sounds like it is disconnected. In sum, there is no way to reach a human being that knows how to remove such fraud alert.
Product: Credit reporting or other personal consumer reports

i have been trying for months and months to get this issue dealt with. Please remove this account from chexsystems. i beg you. i did what you asked
Product: Credit reporting, credit repair services, or other personal consumer reports

Self lender wasn't able to remove the late payment to stop reporting to the credit bureaus. When I never got notify about a late payment. Not through phone number, email, or mail! I been with self for many years and I never missed a payment. This is affecting me to get a credit card or to even open a bank account! This is hurting me, for something I was never aware of! If you guys need any additional documents, I'll provide it .thank you for your time for reading this. As you see the screenshot below. Yesterday was the 1st time I got a notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit company is listing an account from XXXX. This account was included in previously discharged chapter XXXX. They refuse to remove account.
Product: Credit reporting or other personal consumer reports

The account in question was charged off in [ XX/XX/XXXX ], which is a one-time event. However, the account continues to be reported as a Charge-Off ( CO ) every month following that initial charge-off date, including throughout XXXX and into XXXX. This repeated charge-off reporting gives the false impression of new and ongoing negative activity, when in fact the account was already closed. 

This type of repeated reporting violates the Fair Credit Reporting Act, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), which states that a furnisher of information shall not report any data that it knows or has reasonable cause to believe is inaccurate. Repeated charge-off notations are not only misleading but materially harm my credit profile.
Product: Debt collection

Penn credit Collection agency Creditor XXXX Date XX/XX/2017 I was XXXX  XX/XX/2017 so I have no knowledge of this account. Ive distributed this several times.
Product: Checking or savings account

I opened a XXXX XXXX account on offer with a {$300.00} bonus with a direct deposit. TD Bank is denying the offer saying I got a bonus in 2018 even though I have fulfilled all requirements to get the bonus. I opened a Savings account woth $ XXXX opening deposit to get an additional {$200.00}. All that was said was I should not have an account with them in the last 12 months. Please refer to the attached offer from TD Bank. Footnote terms were given in the last few pages of the attached file. 

" Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months, open their account online via this web page and complete the required qualifying criteria. {$300.00} bonus offer available to eligible new personal checking Customers when opening a TD XXXX XXXX account with cumulative direct deposit funds of {$2500.00} or more into the new account within 60 days of account opening. ''
Product: Student loan

I have sent the uploaded document : debt validation and affidavit of truth to Sallie Mae Corporation to request that they validate the debt. They have yet to respond or address my concerns. I have received verification that they have collected the documents on XX/XX/2022 and received the green return receipt on XX/XX/2022. They have threatened to report the alleged late payments to the credit reporting agencies which would in turn adversely affect my credit score. They have been performing harassing debt collection practices by calling my personal telephone number approximately 40 times over a 17 day period.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block.inc ) Due to inadequate customer service in unfair practices which violate the consumer financial protection act ( CFPA ) SPACIFICALLY CASH APP failed to take timely and effective measures to prevent an 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 era resolution requirements under the electronic fraud transfer act ( EFTA ) and Regulation E. These action has caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate unverified information on my credit report i have disputed the inaccurate information with no luck to today i am submitting a dispute with the source of their verification which doesn't reflect any bankruptcy being reported on my report
Product: Credit reporting or other personal consumer reports

I was informed that I could only get my credit score if I paid for it.
Product: Credit reporting or other personal consumer reports

I have a collections account that is being shown on my credit report that does not belong to me. The collections account is not registered under my social security number as stated by the collections company. I have spoken on the phone with representatives for the collections company and they have stated to me that they do not have any information with my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a identification theft report and submitted it Equifax and XXXX  and my ID with my correct address my credit report shows a different address that is not mine I have multiple account on my credit report that do not belong to me the creditors don't even have my correct information other than my social security number they have the wrong address wrong email wrong phone number and won't even let me access anything because I don't know the information that they're asking me I spent multiple documents asking for blocked and to be deleted and proof of ownership the accounts in question are XXXX XXXX, XXXX card, XXXX XXXX XXXX, and XXXX card
Product: Credit reporting or other personal consumer reports

I am writing regarding your attempts to collect a debt you claim I owe. According to correspondence I received from CreditFresh, this debt was transferred to XXXX XXXX XXXX XXXX XXXX, and not to your organization. Therefore, you have no legal right to collect this debt or report it to the credit bureaus. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you immediately cease all collection activities related to this debt. Furthermore, if you have reported this debt to any credit reporting agencies, I demand that you retract those reports as they are inaccurate and unauthorized. 

Continued attempts to collect this debt or failure to remove inaccurate credit reporting will result in legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and possible civil litigation. 

Please confirm in writing within 15 days that you have ceased all collection activities and corrected any erroneous reporting.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX by XXXX  XXXX is not reporting accurately. XXXX XXXX fico score does not update. XXXX XXXX will not delete the XXXX  XXXX accounts that are closed instead XXXX XXXX is reporting on XXXX XXXX and XXXX XXXX XXXX closed XXXX  XXXX acconts as open. XXXX XXXX  will not delete duplicate accounts of XXXX XXXX XXXX XXXX does not report accurately on my credit profile to XXXX, XXXX and Equifax. XXXX XXXX only reports on my XXXX XXXX accounts. XXXX XXXX repair credit service does not do what it says it will do it appears to be bias to other accounts and does not consider accounts in good standing thus continuing to report on XXXX  XXXX closed accounts as open and curtails the score very low. Credit Score points never reaching ove XXXX points but decreases monthly due to closed accounts being open. 
The total amount of debt XXXX XXXX is reporting is inaccurate. The credit usage is inaccurate. 
The XXXX XXXX shows average on for accounts paid on time this is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed certain inaccurate information that is appearing on my credit report, as governed by the provisions outlined in 15 U.S. Code 1681o Civil Liability for negligent noncompliance. I have reviewed my credit report obtained from your agency and have identified discrepancies that require immediate attention and correction. 
I believe that the inaccuracies present in my credit report violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, which stipulates the responsibilities of credit reporting agencies regarding the accuracy of the information they report. 
I have outlined the details of the disputed information in my dispute letter attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$5300.00}
Product: Payday loan, title loan, personal loan, or advance loan

It is a mass loan request site, I filed a request and it was sent out to multiple lenders. I received {$600.00} in my bank account on XX/XX/XXXX of this year. I also received a decline email for my loan request XX/XX/XXXX stating my request was denied. As confused as I was, I didnt think too much into it. They started taking payments every two weeks the day after my paycheck deposited, amount being {$160.00}. Thus far I have paid about {$670.00}. With further inspection and finally being able to locate the expected payments, according to the site I am expected to be making these payments until XXXX, equaling out to just short of {$3100.00}. I have spoken with an agent as well as a supervisor, all automatic payments have been stopped and supervisor advised me to file fraud.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries on my credit report, please remove them from my credit immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONEXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted several times to log onto my.equifax.com. After calling equivalent multiple times over the past 8 weeks, the problem remains unresolved.

I can not see my score nor my credit report. Each person claims to assist and that its an IT problem.

Thanks.
Product: Credit reporting or other personal consumer reports

XXXX ran a credit inquiry without my permission. The last couple days, they have harassed me and called me non stop since my wife and I have been inquiring into a mortgage with XXXX. I asked them to place me on a do not call list, and they proceeded to run a hard inquiry on my credit WITHOUT my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Opened : XX/XX/2017 Balance : {$0.00}
Product: Mortgage

Bank purchased my mortgage from XXXX XXXX in XX/XX/XXXX. On the XX/XX/XXXX mortgage, they attached an " other fees '' quantity of about {$15.00} to the charge. I called and they told me that they were charging me for a " property inspection '' that they had to undertake as part of their purchase. When I protested, they told me that I had signed original paperwork allowing for the unlimited sale of the loan. I responded that I had not signed anything accepting costs incurred by the company purchasing the loan during the course of their purchase. They then removed the charge but told me I was no longer eligible for any further " charge forgiveness '' associated with this account. The small amount of money relative to the loan, and the lack of any notice to me that they were doing the " inspection, '' as well as the opaque labeling of the charge on my statement as " other fees '' clearly identifies this as a common theft of money from home owners technique by this bank.