23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Awhile ago, I had opened an account with Chase. After a few months I decided that I would stay primarily with XXXX XXXX because I thought they were better so I closed my Chase account. Months later, after alot of complaints with XXXX XXXX, I decided chase was the better bank and I closed my XXXX XXXX account and decided to go back to chase. 
I used a XXXX  dollar bonus voucher and the rules under it state that an account could not have been closed withing 90 days. When I emailed asking how to get the bonus because there was no place to enter the voucher, I recieved a reply on XX/XX/XXXX & I was told my XXXX  dollar bonus was going to be applied and all I had to do was set up a direct deposit before XXXX. I am including all the emails. As you can see, it was in reference to THIS account in question. 
After my first direct deposit was made, I contacted them several days later to see why my bonus was not applied and they claimed I could not have it because I can't have two bonuses within 2 years and said the person who emailed me saying I would get it was referencing my old account. As you can see in the screenshots, my new account in question was clearly listed in my query and her response. 
I asked repeatedly for them to present me with reading material on this " 2 year '' rule as I presented them with the 90 day rule which was included in the ONLY rules listed under the bonus faq on thier site AND on their voucher. They would not show me. 
Ultimately, in their last response they acknowledged that I was correct in the rules I stated and stated they would no longer respond to me. Basically " oh well '' and I never received the bonus for banking with Chase again. I will stay with them because I prefer it to XXXX XXXX, but like every other bank, they're liars and cheats.
Product: Mortgage

I was denied credit for a mortgage loan without receiving an adverse action notice as to why.
Product: Credit reporting or other personal consumer reports

This complaint seems to be about issues described in an earlier complaint. COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT Debt collection ISSUE Communication tactics This complaint appears to be about issues described in complaint XXXX. Companies are generally not required to provide a new response to issues described in an earlier complaint. If you are not satisfied with the companys response to complaint XXXX, heres what you can do : Tell the CFPB and the company what you think about t THIS IS NOT TRUE. THIS IS ABOUT A SEPARATE LETTER THAT WAS RECEIVED ON THE XXXX AND RESULTED IN AN ADDITIONAL XXXX OF DAMAGES. XXXX XXXX! PROCESS THE XXXX COMPLAINT! THE CFPB OUGHT NOT TO BE DEFENDING BANKRUPTCY FRAUD! FILE THE XXXX COMPLAINT! IT IS A SEPARATE COMPLAINT XXXXXXXX XXXX XXXXXXXX I HAVE ADDED THE RECORDING OF THE CFPB HANGING UP THE PHONE ON ME AND NOT REFILING THE COMPLAINT. XXXX XXXX. THIS IS FRAUD.
Product: Credit reporting or other personal consumer reports

Attention : XXXX, EQUIFAX, XXXX Per IRS there are XXXX qualifiers for 1099-C Cancellation of Debt : File Form 1099-C for each debtor for whom you canceled {$600.00} or more of a debt owed to you if : You are an applicable financial entity. 
An identifiable event has occurred. 

By definition of the above publication see IRS website link : https : //www.irs.gov/forms-pubs/about-form-1099 c # : ~ : XXXX % XXXX % 201099 % XXXX % XXXX, An % XXXX % XXXX % XXXX % XXXX. 

I am not obligated for the debt that XXXX XXXX has cancelled as an identifiable event has occurred and the applicable financial entity [ XXXX XXXX ] has filed a 1099C cancellation of debt in which they have already written off. I have explained these matters to XXXX XXXX and they've stated they would investigate the matter and provide a resolution. Meanwhile, I've already provided and obtained proof of the filing of the Cancellation of Debt 1099C by the company ( with proprietary account # 's and identifiers blocked out for my protection and theirs ). This XXXX XXXX XXXX XXXX is now showing on my personal consumer report as delinquent ( which is inaccurate ) It should be shown as a closed account and not as a " charge off '' because the company has cancelled the debt as an identifiable event has occurred per their filing of the 1099C Cancellation of Debt. Also, even though the account is no longer active, the Credit Reporting Agencies are allowing the Lender to update the amount of the debt monthly reporting the amount as {$100.00} higher than the originally cancelled amount which was {$2200.00} and is now {$2700.00}. XXXX EQUIFAX AND XXXX are complicit in the violations committed by XXXX XXXX XXXX XXXX against the Fair Debt Collection Practices Act 807. False or misleading representations 808. Unfair practices and is in Violation of Fair Credit Reporting Act. The lender has made their money back through insurance and is now trying to collect in addition to what they've been able to recoup which goes against TILA ( Truth In Lending Act ), this practice has not been disclosed in the agreement signed with the Card company. The Bureaus job is to operate in favor of what is right by law for the protect of the consumer, in this case as with many cases, this is not what has been the experience and something needs to change.
Product: Consumer Loan

I purchased a Ford XXXX Ranger in XXXX XXXX, for {$19000.00}, excluding sales tax. It was financed through M & T bank for 72 months, at 5.54 %. The payout is approximately {$22000.00}. Owing to medical issues ( XXXX XXXX XXXX XXXX ), I now have some difficulty driving a pickup, and my wife of 30 years passed XX/XX/XXXX. I subsequently returned the vehicle to the original dealer for resale ; however, the best offer they can garner is {$15000.00}, leaving about a {$7000.00} difference. I can make up some of this difference, but not the whole amount.
Product: Checking or savings account

Nothing happened and CFPB side with the bank and closed out my complaint What happens now? 
You dont need to do anything else. The complaint process is complete. 

We have taken the following additional actions on your complaint : We added your complaint to our Consumer Complaint Database Your feedback, and feedback from others, helps us understand how companies are addressing concerns raised by consumers in their complaints. We will also share feedback with the company. 
We have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies. 
We appreciate your participation in the complaint process and your feedback on the companys response. Both are important to us and to other consumers who may have the same issues and concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is in violation pursuant to 15 U.S code 1692 E for false and misleading representation. They are also in violation pursuant to 15 U.s code 1681b of permissable purpose. Not only are the reporting information on my consumer report without my written concent they are also acting as if the bankruptcy court is the one reporting A bankruptcy on my consumer report. They also never responded to letter dated XX/XX/2021 Of me demanding them to remove the account refrence # XXXX. Transunion 's deceptive practices has caused me XXXX XXXX loss of opportunity and deep XXXX for there willful noncompliance and defaming my character I will attach the letter they never responded to dated XX/XX/2021 and the letter from the court house stating that they do not report any information to third party companies.
Product: Student loan

XX/XX/2018 I was informed that XXXX XXXX was going to help me lowered my student loans. I was also informed that if I pay them {$100.00} a month they will helped me cut my student loan in half. However, this did not process thru it only made me paid double for my student loan. My original student loan wasn't cut in half it remained the same while I'm getting charged {$100.00} a month for 10 months.
Product: Debt collection

I 'm being sued by XXXX XXXX for an outstanding debt they tell me I owe and I 've been unable to fight back. I am XXXX XXXX and I was ran over. I now have a judgement and lien on me because these lawyers won in court because I was n't represented. I am sick! Oregon Case # XXXX
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and in accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I request delete the not authorized hard inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX - ComentityCapital/XXXX  On XX/XX/XXXX, I paid XXXX to settle the account. The account is paid in full and is closed. The charge off for ComentityCapital/XXXX  has not been updated. I contacted XXXX  & XXXX  on XX/XX/XXXX of XXXX, opened disputes, and sent the settlement letter from XXXX by mail on XX/XX/XXXX. I looked at my credit report through XXXX XXXX and saw that this account was updated with no remarks. I followed up with XXXX  & XXXX  and was told that ComentityCapital/XXXX  has informed XXXX  & XXXX  that the account is a chargeoff. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I filed a 2nd Dispute with XXXX  on XXXX and will file with XXXX  today. I would like for Comentity Bank/XXXX to request removal of the tradeline from all three credit bureaus. If they are unable to, I would like for them to inform XXXX  and XXXX  that this account has been settled and paid. XXXX  has this account listed as Paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a XXXX  parent of XXXX  children and I am unable to purchase a home for my family until this is resolved. l have attached the Settlement Letter from XXXX, XXXX XXXX Letter and the police report from the fire that destroyed my home. Thank you for your cooperation.
Product: Bank account or service

I am NEVER able to login to SYNCHRONY BANK because the EXTRA SECURITY TELEPHONE NUMBERS they show for SENDING A phone call or text message with a Pass Code, are NOT MY CORRECT NUMBERS. I am NEVER ABLE TO LOGIN. Opened CDs with my XXXX Savings and can not Login.
Product: Debt collection

On XX/XX/2018, this debt for { 10,973 } appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Product: Mortgage

XXXX XX/XX/XXXX I requested a forbearance from my mortgage company XXXX Mortgage. In XX/XX/XXXX I called them to let the know that I was in a position to start resuming my payments, and needed to speak with someone about an exiting plan. They informed me I needed to pay {$1400.00} for a 3 month period as a trial basis with a lowered interest rate, and said nothing to me about anything else. A couple months passed and I received a letter in the mail saying my mortgage had been sold to another company Freedom Mortgage. In XX/XX/XXXX I called Freedom Mortgage, who then informed me they were sending me a loan modification package in the mail. Once I received it nothing in there was anything anyone had ever discussed with me. I called Freedom to discuss this issue with them, and to go over what was discussed originally about any overdue amount being deferred. Freedom Mortgage denied and completely refused to assist me in any way to go that route with my package when that was the original plan of executing it to begin with. As I looked through their package it even has the XXXX plan on there and the payment plans are completely different that what Freedom came up with. I questioned Freedom about why they accepted an incentive payment from one of the big mortgage brokers if it was in my best interest instead of theirs and their actual services relationships interest. They said the incentives that were showing on my statement for {$500.00} they were crediting to my acct. but I didnt see and subtractions off my balances anywhere. Along with those 3 payments made to XXXX as well. After countless inquiries with no answers and earlier off the wall responses that seemed more like blatant lies, Ive lost trust and any faith in this financial institution to do the moral thing when going about normal everyday business practices.
Product: Student loan

Nearly every time I try to log into their website, I'm met with a blank white screen. My first payment is coming up even though XXXX XXXX XXXX XXXX and can't even get to my account to try and resolve that issue, let alone set up a payment so that I'm not late. 

For a company that handles billions of dollars in loans, they should have a 24-hr number with actual people that you can talk to. 

It feels very predatory in nature that my first payment is coming due and I somehow can't even access my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$8900.00} XXXX  XXXX XXXX Balance : {$8900.00} XXXX  XXXX XXXX Balance : {$8900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that I am the victim of identity theft. On XX/XX/2022, I sent a copy of the FTC report, my ID, proof of residency, and a letter identifying the fraudulent items that have been published to my credit report by Equifax without my authorization of consent. These documents were sent certified mail. The tracking number confirms that Equifax received these documents on XX/XX/2022. Federal law states that these items must be removed within 4 days of receipt. As of today, XX/XX/2022, 15 days have passed and these accounts are still being published on my credit report. The account with XXXX XXXX as well as XXXX incomplete collection accounts with no information furnished about the alleged original creditor other than them being labeled as collections, & 2 inquiries : XXXX XXXX BANK XXXX XXXX date XX/XX/2022 & XXXX XXXX A Inquiry date XX/XX/2022, which are all included in both the FTC report as well as the letter I sent, is still being published on my credit report. At this time, Equifax is acting in noncompliance with Federal law by continuing to furnish this information. I have attached all of the documents relating to this complaint including the FTC report, letter identifying all fraudulent items, ID, proof of residency, a screenshot that shows the incomplete fraudulent collection accounts being furnished & certified mail tracking history from XXXX.
Product: Vehicle loan or lease

I became aware that I missed a car payment with Ford after it had been reported 30 days late and showed up as a derogatory mark on my credit report. I missed this one payment of {$500.00} in XXXX  or XX/XX/XXXX depending on the credit reporting agency. XXXX reported it late in XX/XX/XXXX, XXXX reported it late in XX/XX/XXXX, and XXXX reported it late in XX/XX/XXXX according to my credit reports from each bureau. 
I had my first 3-year lease with Ford that started in XX/XX/XXXX and I made all the monthly payments on time and then released another car in XX/XX/XXXX. My second lease with Ford is where the one-time-late payment occurred. I messed up and didn't update my banking information for the monthly payment to come out of the new account. When I closed the old account, I forgot to update and give the new account info through the automated system. I didn't realize the nonpayment occurred until I found out on my credit report that I was marked as " 30 days late ''. 
As of today 's date, XX/XX/XXXX, I have successfully paid off the 2nd lease in full and have not had another incident of a late payment since that last occurrence. The last payment was processed on XX/XX/XXXX. I would typically make a $ XXXX  monthly payment which was more than the assigned amount of {$420.00} per month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously paid off my  XXXX   XXXX  credit card in   XXXX   and requested that the card be closed. In  XXXX    XXXX  , I received a statement showing a balance due. I contacted  XXXX   XXXX  and asked again for the card to be closed and the charges to be waived. Although the charges were waived, the card was not closed. The supervisor stated that he would have a new card sent to me so that I could use my credit and maintain a go od credit score. I agre ed. However, I never received a credit card. I have a statement showing the credit of {$9.00}. Now I have a 60 day credit hit and just received a statement showing a balance of {$220.00}. The rep stated that there are notes not to call me. I never provided a cease and desist. I spoke to  XXXX  today who transferred my call to a supervisor named  XXXX .  XXXX  stated that it would take  2-3  weeks to investigate and I would be sent an affidavit to sign and return to them. The call was then transferred to a senior named  XXXX  who stated that it would take  XXXX  MONTHS to resolve and update my credit bureau report.  XXXX  said that  XXXX  gave bad info. If  XXXX   XXXX  had closed my card the first or even second time I asked, none of this would be at issue an d my credit score wo uld not be impacted.
Product: Credit reporting or other personal consumer reports

On the consumer credit report I received in the mail issued on XX/XX/24 there has been an XXXX XXXX individual revolving credit card account that has been reporting for 87 months which I have not been able to verify any evidence of through the XXXX XXXX customer service department and the XXXX XXXX Credit Bureau Department. There are also 16 digits in the account number which is obvious unverified inaccurate information because XXXX only uses 15-digit account numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported 2 late payments over 60 days in XXXX to Experian. The company, due to financial hardship, agreed to forbearance and assured that they would not be considered late or affect credit. There was literally no payment due shown on the account page ; this extremely predatory behavior towards the consumer on their part. The company refuses to respond to several emails I have sent to request evidence that the payments were due ( I received no statements or notification that payments were due or late ). I attached the only responses I have ever received from them in writing, which states they " will look into and respond within 24 hours '', which never happened. 

During a phone conversation, a representative of the company claims they had sent 10-20 text messages to my phone alerting me to the payment issue, however they were never received and the company can not provide evidence of ever alerting me of the issue ( the phone company verified this ). I do not appreciate their lies affecting my credit. 

Please assist in correcting this, I have no other late payment records on my credit as this is not something I would ever let happen and it is now negatively affecting my ability to apply for things I need. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Please delete these accounts from my credit report. 

XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX
Product: Credit reporting or other personal consumer reports

I never checked my credit report. I checked it today when I received paperwork to be sued for an account I did not open. My information has been linked in more than XXXX data breaches over the past few years also XXXX  XXXXXXXX XXXX XXXX XXXX  all keep charging off my account every month. There is a new charge off every month on the same account. Can you please review it? I am sending out letters today to every credit bureau. Between the fair credit act and law 1681 ( e ) b, how is this happening?