23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Chase because they marked me late in XX/XX/XXXX and XX/XX/XXXX on my chase freedom card in 2019. My autobill was cancelled for those 2 months. When I called I talked to the fraud department and they told me that someone went in and added a new email and login to my my card. Therefore, I was not receiving bills, notifications or any notice my bill pay was cancelled. The fraud department did verify this information and told me that they would transfer me to a supervisor to have those late payments removed since it was fraud. I was transferred and the gentleman on the phone told me he would take care of this for me since I was not receiving any bills. I was disconnected and then talked to lady on the phone who told me she couldn't help me. I have a police report as well to show I was a victim of Identity theft. I am upset that this was not my fault, I was not notified and now I have 2 negative remarks on my credit report
Product: Credit card or prepaid card

I entered a consumer credit transaction on XX/XX/2021 with care credit synchrony bank. They directed me to a site to verify my identity I completed and the rep on phone told me I was denied for insufficient credit history.They violated Regulation B CFR 1002.4 as it prohibits discrimination regarding any aspect to a credit transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit ran because my wife and I are in the process of buying a home however, when my credit report came back I looked through it and I saw some accounts that do not belong to me. The accounts are from these these companies ; US Department of ED, US Department of EDXXXX & XXXX XXXX. I have no idea what these accounts are for or why they're on my credit report since I did not open them and I did not give anyone permission to open them in my name. I also never gave those companies permission to run or access my credit file. I did not get anything for my own benefit as a result of these accounts being open in my name and I did not contribute to any payments that might have been made towards the account balances. I have filed this report to the best of my knowledge regarding these suspicious accounts.
Product: Credit card

I signed up for a Chase sapphire reserve credit card with a XXXX points sign up bonus and was approved for the CC with a $ XXXX limit and no sign up bonus. I called many times and I got varied answers from different representatives ; some said I do get the bonus and others said I didnt. I have already met the spend requirement, but nobody will tell me if I am getting the bonus or not. Also, I want to know why I am not getting the bonus if they are refusing it. I dont understand why I dont qualify for it.
Product: Bank account or service

Citibank offered a bonus of XXXX Thank You Points when opening a Citigold account with the following criteria : make a bill pay 2 months in a row. I called in to create an account and was told that I would be eligible to receive the points if I satisfied the criteria. I opened my account in XXXX, and after calling in several times to confirm I had met the requirements ( and was told I did ), was told to keep waiting. Come late XXXX, I received an email that I was not targeted for this promotion, and would thus not be eligible to receive the promotion.
Product: Debt collection

Some company by the name of XXXX have sent me to collections by 5 different agency. Soon as I resolved with one company another write me and send to my credit history. I have been fighting with them for years they remove it then put it back under a different name. 

They have used XXXXXXXX XXXX XXXX XXXXXXXX now Vance Huffman llc. 

I keep telling them I never used XXXX  they refused to listen.
Product: Credit card or prepaid card

I set up a payment with Comenity back for 2 different cards. One payment is processed the other isnt the card where the payment go thru is XXXX. Then I get numerous calls all day long. When I set up a payment for one of the cards, which I did with someone over the phone. They amount was approved with this person, but because its not the minimum due I would again get phone calls all day. I would answer ask if they dont read the comments because a plan was set up. Then another call same thing.
Product: Credit reporting or other personal consumer reports

My information was exposed in the recent data breach with XXXX and I noticed some things on my credit that I do not recognize. 

Company Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1200.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$410.00} 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 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: Payday loan

I would like to pay back my principal amount of {$1000.00} but Castle PayDay will not allow me to repay.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX DOB XX/XX/XXXX REMOVE XXXX INQUIRY FROM MY REPORT. 
I DO NOT HAVE CREDIT WITH THEM I NERVER APPLIED FOR CREDIT WITH THESE PEOPLE. YOU GAVE THEM ACCES TO MY CREDIT REPORT WITH MY PERMISSION DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am filing this complaint to request that you block the following fraudulent information from my credit report : 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 and XXXX XXXX XXXX XXXX XXXX XXXX This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit report continued to erroneously place a collection account ( which was never mine to begin with ) on my XX/XX/XXXX to XX/XX/XXXX credit reports. The alleged collection was reported in XX/XX/XXXX and was due to be removed by XX/XX/XXXX-that did not happen. The amounts on my report show collections of {$500.00} and {$4800.00}, both of which I do not owe and yet for the past 8 years Experian has had this collection account on my record. In XX/XX/XXXX I paid a credit repair service to correct the matter by placing a statement on my report and Experian still did nothing to remove the account.
Product: Credit reporting or other personal consumer reports

Several accounts on my credit report that I did not agree to or open
Product: Debt collection

I do not have a card with Comenity or owe them any debt. I am also on the Do Not Call List. This number is calling repeatedly and sometimes leaving messages. XXXX this number reveals many similar stories and stories of the person on the other end not believing that you are not the person they are trying to reach. Attached is a screenshot showing their repeated calls.
Product: Checking or savings account

I made a deposit of XXXX dollars into my Ally bank account on XX/XX/2022 and the funds were made available XX/XX/2022. Once the money was in my account I transfered the money to my property manager on XX/XX/2022 for past due rent. For some reason that action caused them to freeze my account. I have been calling daily and getting no answers. When it first happened I spoke to someone in early XXXX that claimed they just needed to verify my check and then my account would be unlocked in 5-10 business days. Its been over 2 weeks now and I still have no answers. Its the only bank account I have and with no access to my money Im worried that my power & phone will be shut off soon. Im not sure why I am being treated like a criminal, the check was from the state of california so I dont understand why my account was frozen over it.
Product: Debt collection

I need to have my alleged debt with Cavalry SPV I LLC addressed regarding their practice of illegally re-aging my collection account in an effort to cause undo financial hardship on me. This seems to be a common practice with today 's debt collectors where they buy a debt that has aged out and then re-report it on your credit as of the date they purchased it. The account in question has passed any/all time limitations. This Company should be investigated for their practices not only in my case but in all the consumers they have affected.
Product: Debt collection

THEY CALL ME EVERY DAY!!!! all hours, constant empty voicemails! I have never been to the state they are located in.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX KIKOFF LENDING LLC XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Account numberXXXX To Whom It May Concern : 2nd and Final Notice Notice for Validation of Debts.

Pursuant 12 CFR 1006.34 KIKOFF LENDING LLC, Pursuant Regulation F, 12 CFR 1006, 15 USC 1692 I have exercised my specified remedy and sent you on XXXX Date A notice of debt validation. 
You KIKOFF LENDING LLC have violated my Rights pursuant 12 CFR 1006.34 ( c ).

You Failed to provide all the required Documentation as per my request under the new rule Regulation F and Validation of debt. 
The law is explicitly clear, ignorance of the law is no excuse. Your 30-day Debt validation period has ended, and you FAILED TO PROVIDE ALL REQUIRED validation Information AS PER THE LAW 12 CFR 1006.34 ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.

All collection activities on this Alleged Debt that you failed to provide validation within the 30 day period allowed by Federal law Pursuant 12 CFR 1006.34 ( c ) Must be DELETED Immediately. 
I will be Sending copies of this and all correspondences to ; CFPB Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX DC XXXX State Attorney General ( Illinois ) Attorney General ( California and Nevada ) Federal trade Commission Legal Complaint Department Bureau of Consumer Protection Federal Trade Commission XXXX XXXX  XXXX, XXXX XXXX  XXXX DC XXXX Cc : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX Tel. XXXX Fax. XXXX You have been warned I will pursue legal action if this account is not deleted in 15 Days from receipt of this Final notice. I will seek damages, actual damages, statutory damages, Plus all remedies adored to me under the civil liability section of the FDCPA and or Regulation F. 


XXXX XXXX ( All rights Reserved )
Product: Mortgage

Damage to home on XX/XX/year> due to XXXX. Insurance adjuster and contractor agreed on needed repairs and sent a check for $ XXXX to us and Freedom Mortgage. I contacted Freedom Mortgage to find out what to do. They started the process, I uploaded the documents to the portal on XXXX XXXX and overnighted a copy of all documents along the endorsed check to Freedom Mortgage on XXXX XXXX. All documents and check were accepted in the portal on XXXX XXXX. The insurance check was deposited to our escrow account on XXXX XXXX. I have emailed the general mailbox as instructed XXXX times. I have called the XXXX number given in the paperwork to call. I have called 3 times. I also tried to email XXXX, our adjuster-I think-through an email found online as well as XXXX XXXX, Founder and XXXX. No results from XXXX or XXXX. XXXX agents just say it should be released this week ( today is XXXX XXXX ). XXXX agent did help troubleshoot the portal for checking the claim and corresponding with adjuster, but contains little information and no contact information for our adjuster. We are frustrated. The contractor is on standby but needs a down payment to start. Our home is at risk of further water damage due to the hole in the side of the house from a XXXX foot tree. Additional information has not been requested, but I would cooperate if it was. I feel ghosted by the lender who wants to earn interest on my $ XXXX instead of allowing me to repair my home which I have worked hard for. At least let me talk to someone in authority who can give me answers and get the check out. Bad experience!
Product: Debt collection

To whom it concern : we feel harrassed by Old National Bank. We had a personal loan for a business with XXXXXXXX XXXX, whom was bought out by Old National Bank. We assumed we would continue with our payment on this loan. They are now calling in the entire amount of the loan, which is around {$40000.00}. They want payment by XX/XX/2018 in addition a penalty of over {$1800.00}. We are seniors on fixed incomes. 
Were requesting a payment plan as we had initially. We anxiously look forward to a reasonable response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX We have made many efforts to pay this loan, including a line of equity based on the home but it fell apart when we had to replace a furnace. We can not do this again in time for XX/XX/2018. Please assist us. I do have an XXXX credit score. No other outstanding bills or loans or credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a re-investigation request for items that are inaccurate on my credit report. To date I have not received a reply from either credit bureau about that investigation. I have negative items posted on both XXXX and XXXX credit services.
Product: Credit reporting or other personal consumer reports

XXXX Account Number : XXXX Reason : How are you reporting late payments if I am protected by the Cares Act. Instruction : Please delete this account immediately for failing to do your due diligence making sure everything is XXXX  % accurate on my report.
Product: Checking or savings account

On XX/XX/XXXX My sister opened and deposited my Tax return cashiers check for me at the Bank of the West in XXXX XXXX at XXXX at XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX. Later i gave my sister permission to withdrawal money out of the account for myself bc i was unable to do so. The account number is # XXXX. The remaining balance of the account should be roughly about {$21000.00}. When i was home and able to go to the branch myself with my sister, on XX/XX/XXXX around XXXX we spoke to the XXXX named XXXX XXXX XXXX XXXX XXXX XXXX He told us that the corporate security had shut down the account and there was nothing that we could do about getting my remaining balance back. This is unheard of, I've never heard of a bank being able to steal your money before. When i called in on my account it says there was a debt of {$21000.00} XXXX XX/XX/XXXX. But i never took that money out and I'm trying to figure out how to get the remaining balance of my funds. 
Thank you very much
Product: Debt collection

I have been disputing this matter several times. Your efforts in resolving my problem were ineffectual. What else should I do for you to give thorough attention to my dilemma? I believe there may be an error in the reporting, and I am seeking your assistance in rectifying this issue. 
XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I understand the importance of maintaining an accurate credit history, and I am committed to ensuring that my credit report reflects my financial behavior accurately. However, I am concerned that these late payments are negatively impacting my credit score and my ability to access favorable financial opportunities.
Product: Student loan

I contacted XXXX XXXX as Well as Navient to resolve as to why I was being called asking to defer or go into forbearance when I had been caught up on payment since Mid XXXX XXXX. When I spoke to XXXX they had no record of contact or loans since XXXX XXXX XXXX and that my loans were most likely transferred to Navient withot informing me. The gentleman then offered to transferred me to Navient. However when transferred I was Hung up on. Upon recalling Navient I was immediately told my account was over 100 days past due prior to even asking why I was calling. While trying to establish who I had been paying and on what loans XXXX ( the woman who I was speaking to ) continued to raise her voice and be unwilling to listen to what I was trying to resolve and told me my loans were most likely private loans and transferred me to that department. Upon transfer I was put on a loop with options that only left at the initial menu. I called again, after giving my social I was hung up on. Once again I called for a fourth time the person had no record of me graduating and listed as still in school even though I graduated in XXXX XXXX and had been making payment since XXXX XXXX. This person informed me they were going to transfer me to customer service to sort out why I was uninformed of my loan transfers to Navient from XXXX XXXX as well as how to straighten out " missed payment '' and " still in school status '' at which point I was once again hung up on and unable to reach a representative on call back. Since these calls I made on XXXX/XXXX/XXXX between XXXX EST and XXXX EST I reached out on XXXX on XXXX/XXXX/XXXX to consolidate my loans with another company to avoid the continued run around an lack of information from Navient as well as hits on my credit score and late payment fees.
Product: Credit card or prepaid card

The company is not being truthful! I ask for a judgement against the company for {$600.00} plus daily interest, plus punitive damages! Reason : the statement that I attached shows all the purchases plus payments! And their voice robot message that I attached, states the truth! Therefore, I pray for the company to pay me what I hope they ignorantly stolen!
Product: Mortgage

over charged for mortgage fees, late charges and escrow fee 's x2 mortgages-chase XXXX and XXXX mortgages
Product: Credit card

In XXXX of 2014, I attempted to complete a balance transfer from my Bank of America card to a different card with a lower interest rate. The transfer for some reason did n't go through and the {$2500.00} credit card balance was returned immediately back to Bank of America. What I did n't realize until now, is that they converted that {$2500.00} credit card balance to a cash advance balance, which has a much higher interest rate. It was never a cash advance, it was a failed attempt at a balance transfer. I 've been paying an extra 4 % interest on that XXXX for a year and it has been expensive. Also, my payments are not going entirely for paying off the highest interest part of the card, they are being applied equally to both the credit balance and the " Cash advance '' balance instead of directly to the highest balance part of the card. If they would have applied my payments over the last year to the correct balance, it would be paid off by now. When I called them to ask for a resolution, the XXXX from BAnk of America just kept interrupting me and saying " it 's a cash advance, it 's a cash transaction '' again and again, when she had already said " your credit balance that you tried to transfer was immediately returned to us. '' She admitted it was a credit balance that was immediately returned, but refused to honor the credit balance interest rate. 

Please help me fight these evil people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Financial Corporation employees hanging-up telephone, rudness, and unprofessional behavior when seeking help for my issues. Sent fax to your office, fax # XXXX, case XXXX on X/XX/18. Need Capital One to remove issues from my credit report immediately and compensation for my services.