23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

To Whom It May Concern, I am filing this complaint regarding an unresolved issue with the {$200.00} cash back offer that was presented to me when I applied for the Venmo Credit Card in XX/XX/year>. The terms of the offer indicated that I would be eligible to receive {$200.00} in cash back if I spent {$1000.00} or more within XXXX months of account opening. 

Although I have not yet used the card, I recently contacted Synchrony Bank, the institution managing Venmo Credit Card accounts, to confirm the details of the offer. During this call, I spoke with a representative named XXXX, who informed me that he could not view any offers associated with my account. XXXX also stated that he would open an investigation into the matter. 

I am seeking clarification on why the {$200.00} cash back offer is not recognized by Synchrony Bank and assurance that the promotion will be applied to my account once I meet the spending requirement. I feel that the terms of the offer were misleading, and I would like assistance in ensuring that Venmo and Synchrony Bank honor the promotion as advertised. 

Here are the relevant details : Date of account opening : XX/XX/year> Offer details : {$200.00} cash back after spending {$1000.00} or more within XXXX months of account opening Account usage : No transactions made yet I am requesting that Consumer Financial Protection Bureau investigate this matter to help ensure that Venmo and Synchrony Bank comply with the original terms of their promotion. 

Thank you for your attention to this matter. 

Best regards, XXXX XXXX
Product: Credit card

I have a digital subscription to the XXXX XXXX XXXX. 
For the last few years it has been billed directly to my American Express credit card. And I continue to be billed by American Express for this digital subscription In XXXXXXXX XXXX XXXXXXXX, I started submitting payments to XXXX for the XXXX XXXX XXXX. I do not recall the circumstances of this. I suspect it occurred when automatic credit card billing was interrupted by a credit card change. Probably necessitated by a lost credit card. I just recently became aware that I was paying twice for the same digital subscription. I have canceled my subscription through XXXX, effective XX/XX/XXXX. 

So I have submitted XXXX payments to the XXXX XXXX XXXX every month, 1 through XXXX, and 1 through American Express, every month since XXXXXXXX XXXX XXXXXXXX. 

When I became aware of this double billing, for which I bear some responsibility, I contacted the XXXX XXXX XXXX, XXXX and American Express. I explained the situation to all 3 parties, in detail. Their chatbots were of no help. Their human representatives were not helpful. I felt that I should receive at least a partial refund. I have over paid XXXX dollars a month for 30 months. At least XXXX dollars. Twice the usual amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have sent in a dispute to TransUnion on XX/XX/2017 in regards to the fraudulent XXXX XXXX XXXX Auto account. I have filed a police report and contacted the FTC but the account still remains on my credit file.
Product: Bank account or service

1. On XXXX XXXX, XXXX I closed a Citizens Bank account, taking the proceeds in the form of a ( Citizens ) bank check. The amount of the check was {$1000.00}. 
2. On XXXX XXXX, XXXX I deposit this check into my ( another ) Citizens Bank account. This check was promptly returned to me as unpayable stating the reason as " refer to maker '' ( the maker being Citizens Bank ). After numerous inquires and a variety of answers, I was informed Citizens Bank had escheated the check to the XXXX of Pennsylvania. 
3. On XXXX XXXX, XXXX, with the help of a Citizens Bank representative, an investigation request was sent to the XXXX Pennsylvania. 
4. The PA XXXX has informed me that they did not this receive the escheated check ( or proceeds thereof ). 
5. On XXXX XXXX, XXXX I again contacted Citizens Bank requesting a paper trail, or any documentation showing the check had been escheated to Pennsylvania. The Citizens Bank representative essentially told me she could not obtain any such documentation, and basically there was nothing further Citizens Bank could do to help me resolve this missing check problem. 
6. So as it stands now, Citizens Bank is saying they escheated the check to Pennsylvania, and Pennsylvania has no record of the check. It appears that Citizens Bank is now washing their hands of the issue, and refuses to provide any additional assistance. 
7. It is my contention that Citizens Bank has the obligation to provide the documentation to track the whereabouts of this check.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX formerly known as XXXX and XXXX XXXX committed fraud by submitting false documents and affidavits to The XXXX XXXX XXXX XXXX XXXX. The firm used the false documents created by themselves to obtain a final judgement against me. They even submitted false documents in the XXXX XXXX XXXX XXXX. A fake assignment of Mortgage was created to falsely establish standing in court. This law firm has been accused and found guilty of the same actions in the past. As a result, the firm was forced to report to the disciplinary Board of Pennsylvania. The firm later changed their name to XXXX. I do not understand how our government can allow this firm to foreclose on any Government back loan. I have attached all documents to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making my formal complaint bring light to the violations the three credit reporting agencies continue rack up dealing with the accuracy of my credit report. I have my full credit file I ordered recently and I see a erronmous amount of inaccuracies and fraudulent accounts. There is also previous addresses that are in no way associated with me at all. I started my journey to get this corrected by filing a police report and sending a affidavit to the 3 major credit reporting agencies XXXX, XXXX, and Equifax. I realized I was a victim of identity theft when I started crazy calls about accounts that needed payment and I had no clue existed. Not only have the credit reporting agencies lied to me stating that the accounts or information is verified when per 15 USC 1692 ( g ) Validation of Debts the law clearly states validation comes directly from me a " person ''. I know its a money game and they get paid to put accounts just anywhere even when federal law says they have to gain my written consent per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Product: Mortgage

My husband and I have applied for a mortgage modification with Chase. After four months and hundreds of pages of requested documentation not to mention numerous conflicting requests, numerous statements by Chase customer service representatives that our file is ready for review, On the same day another request for more documentation comes. This is a frustrating and costly process for folks with low income but good credit. Are these banks hiding behind federal laws while requiring mountains of documentation only to have the original application " time out '' due to their inefficient process.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, mt credit reports on all three show different amounts owed and different remarks. Due to these errors my credit score decreased by XXXX points. The oldest age for my student loan account by XXXX XXXX is 22 years and one month. There are balances still reporting throughout all three credit bureaus. XXXX XXXX and Experian are showing different things. Some say closed and some are still opened. This has impacted my credit score tremendously and need to be corrected. The student loan company has confirmed That I do not owe a balance
Product: Mortgage

I would like to complain about a hostile employee while I was trying to make my payment to Carrington today on XX/XX/2021. I was paying the XX/XX/2021 payment but the rude female employee saying it would be applied to XX/XX/2021 when it's already paid. She was getting me upset talking over me it was because. She was very irate and hostile. She was trying to get me to pay payments that were added under my bankruptcy back on XX/XX/2021. I don't appreciate how this employee talked to me like I was some kid. She was rude and hung up on me and was falsely accusing me of yelling at her. I don't know her name but Carrington can listen to the phone call and find out which employee it was who was being unreasonable toward me. The carrington employees have already harassed me they know these payments were applied under my bankruptcy. The female employee caused all the problems today I was not yelling at her but I did yell when she kept rudely interrupting me.
Product: Checking or savings account

I am contacting to officially submit a complaint about several overdraft fees charged to my account. These charges were applied even though there were adequate funds present when the transactions received authorization. 

Nevertheless, because of the late posting of charges and credits, I was wrongly assessed overdraft fees. 

This matter seems aligned with recent discoveries by the CFPB, which uncovered comparable actions by Navy Federal Credit Union, where transactions were completed with inadequate balances even though there were sufficient funds initially. I consider these practices to be misleading and unjust.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been proven that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX Balance : {$35.00} XXXX  XXXX Balance : {$330.00} XXXX  XXXX Balance : {$47.00} XXXX  XXXX Balance : {$70.00} XXXX  XXXX Balance : {$70.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$250.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$320.00} XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXXXX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX  XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX  XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I'd like this late payment removed ASAP : XXXXXXXX XXXX XXXX XXXXXXXX
Product: Mortgage

SEE PROOF OF LOAN TRANSFERRED AND ESCROWED BANK DIDNT PAY IT WAS SAME INSURANCE SINCE DAY ONE ON LOAN AND THEY SAY I DIDNT SEND IT IN WAS SAME FROM BEGINNING OF LOAN. SPS LIED SAYING I DIDNT SEND IT ON TIME WAS SAME SEE OLD MORTGAGE. AND XXXX MORTGAGE MODIFIED BUT NOT XXXX AND STILL A SALE XXXX  CAN GET MODIFIED. AGAIN ALREADY SUBMITTED COMPLAINT TO DEPARTMENT OF INSURANCE
Product: Debt collection

I am filing a complaint against Equifax, for continuing to report a Chapter XXXX Bankruptcy on my credit file. I have sent numerous letters to include the letter from the Bankruptcy court indicating that they do not provide information regarding bankruptcies to credit bureaus. I also included a letter from XXXX XXXX stating that case # XXXX has been removed from my risk view report. Lastly, I sent a copy of my XXXX  credit report showing that the bankruptcy was removed from my credit file XX/XX/2018. I am demanding that Equifax removes this public record immediately. I have sent viable evidence showing that they are reporting incorrect information that can not validate.
Product: Debt collection

i 'm XXXX have XXXX and state insurance.it 's not my fault if they do n't do the paperwork right and submitted to my insurance.sometimes my insurance wo n't approve different test i need so my doctor has to get me pre-approved to have any test done.XXXX my primary insurance they cover XXXX and the state pick up the rest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$160.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$550.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$360.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXXXXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Bankruptcy Reference Number XXXX XXXX XXXX XXXX  : Bankruptcy Reference Number XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : 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 XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX my XXXX report indicated an active account since XX/XX/XXXX. I called service department for " CONSUMER PORTFOLIO SERVICES, INC. ; XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXXXXXX '' at XXXX and " XXXX '' said we do not have an account with them per our phone number and last 4 of social. Seeking to have this fraudulent account closed and expunged.
Product: Mortgage

XXXX XXXX XXXX has drafted {$2600.00} of payments above my minimum mortgage payment amount. I have asked they return the money immediately, but they have yet to return any money. My last correspondence with them was XX/XX/2018, yet no reimbursement has been made.
Product: Debt collection

I am in the process of purchasing a house. When they did the title search they found 3 judgment against me that I have never had a clue about until XX/XX/XXXX. 

These are part of XXXX XXXX dollars settlement with XXXX XXXX XXXX, COOLING AND WINER. 

All 3 of these were Robo filed without my knowledge and I have never been served on any of the 3 cases. 

Cases : 1 ) XXXX, filed by XXXX XXXX XXXX for amount of XXXX with a judgment date of XX/XX/XXXX, then somehow it got transferred to Cooling & Winter without my knowledge. OnXX/XX/XXXX, I paid Cooling & Winer XXXX ; otherwise, I would not have been able to close escrow. 

2. ) XXXX, filed by XXXX XXXX XXXX for the amount of XXXX with a judgment date of XX/XX/XXXX, then somehow it got transferred to Cooling & Winter without my knowledge. OnXX/XX/XXXX, I paid XXXX & XXXX XXXX ; otherwise, I would not have been able to close escrow. 

3. XXXX, filed by XXXX XXXX XXXX for the amount of XXXX with a judgment date of XX/XX/XXXX, then somehow it got transferred to Cooling & Winter without my knowledge. OnXX/XX/XXXX, I  paid Cooling & Winer XXXX ; otherwise, I would not have been able to close escrow. 

If you need any addtional information please contact me.
Product: Credit reporting

They removed XXXX XXXX AFTER MY DISPUTE INVESTIGATION. OF ALL XXXX ACCOUNTS THAT DO N'T BELONG TO ME. I AM ASKING THAT THEY REMOVE THE OTHER XXXX ACCOUNTS LISTED AS XXXX FROM MY CREDIT FILE. 
ALSO ACCOUNT XXXX XXXX DOES NOT BELONG TO ME. THIS ACCOUNT AS BEEN REMOVED THROUGH XXXX CREDIT BUREAU AFTER THE INV ESTIGATION OF MY DISPUTE. PLEASE CONFIRM THIS STATEMENT WITH THAT CREDIT BUREAU. I have attached proof of certified letter I sent regarding this concern. Also evidence of the REMOVALS that have occurred by EXPERIAN regarding those accounts.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( D ) ( 7 ) I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts, insert your accounts you want deleted here XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$59000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I applied for a Ch. XXXX bankruptcy in which XXXX XXXX was not involved. I was paying my mortgage payments directly out of pocket to XXXX XXXX. To this date I have never failed in paying a mortgage payment. XXXX - XX/XX/XXXX, the Ch. XXXX was converted to a Ch. XXXX and was discharged. But I still do not have access to my online account, I had to keep paying my account through my bill pay, and my credit report shows that the XXXX XXXX account has little to none payment reports, no balance, and the account is closed. I have tried to talk to the bankruptcy, customer service, and to the heads of different departments to fixed this issue but every time I call customer service they want a letter stating that I may communicate with XXXX XXXX but the bankruptcy is over XXXX XXXX has the a copy of the discharge. XXXX XXXX continues sending me and my previous bankruptcy lawyer monthly statements. The law group has already sent the Ch. XXXX discharge to XXXX XXXX but to no avail.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I contacted XXXX to notify them that they had misutilized my information and published nonpublic information without my consent. My nonpublic personal information was shared with third party non affiliate agencies both by my bank and the credit reporting agency. I expressed my right to opt out pursuant to 15 USC 6802. My rights under the Privacy Act of 1974, 15 USC 1681, 17 CFR 424, 16 CFR 313.10 ( a ) ( 1 ) ( iii ), 16 CFR 313.7 ( f ) upon others were violated by the publishing and sharing of my information by XXXX, Transunion, and XXXX along with the banks and credit unions which shared this information with the third party non affiliates. My credit information was shared without proper disclosure to third parties which reflected promotional inquiries on my credit report. There were numerous non mailable addresses listed on my report. There were soft and hard inquires along with transaction history and income listed on my report. Not only was I not provided proper disclosure that this information was shared and published, but it is also illegal to report income as explained in the IRS publication 4681. Please read the attached letter for a detailed description of these specific violations which were neither cured nor acknowledged by the credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I like im being take advantage of and being ignored of my disputes. Section 611 ( a ). Its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or t will file a litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have got into the hand of the wrong person.
Product: Student loan

I am XXXX and Sallie Mae knew this and in a matter of XXXX8 months moved my loans to collections and have been harassing my co-signer daily- All my other loan providers are on board with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter on XX/XX/21 about having the wrong info on my credit report and to have it updated and nothing happen. still reporting wrong information on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

The listed accounts do not belong to me. I have filed an FTC complaint and I Have also written the companies. Someone is using my credit. I hired a private investigator and found out who and submitted that info to the authorities. 

XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX/XXXX XXXX {$170.00} XXXX XXXX   {$700.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX The following inquiries are also the result of fraud. 
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