23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for the Chase Saphire credit card and was offered a primotional credit of XXXX points if i spent XXXX in 90 days. I signed up and was approved for a XXXX limit. I spent the XXXX minimum within XXXX of receiving the card in XXXX, well within the 90 day window. Chase only credit led my profile with XXXX points instead of the XXXX promotional offer. I contacted Chase and they instructed me to upload my personalized offer letter and they couldn't research it. I was able to find the offer letter and upload it to my profile. After several exchanges with Chase, no explination has been given of why they're denying my XXXX points ( XXXX offer - XXXX given ) and have stop reaponding to any requests from my side. I filed a complaint with the XXXX  and they still said they won't honor my personalized offer but will not give and informatuon as to why. All I would like is the XXXX bonus points that was offered to me as a signup bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity had been stolen, someone has opened credit cards in my name, your company has previously removed or block this in formation however you have placed it back in my credit damaging again my credit, please remove this XXXX XXXX   from my credit report.
Product: Student loan

I have been communicating with XXXX since XX/XX/XXXX to opt out of IBR and change my payment plan to a lower payment plan. I speak with someone at least once each month since XXXX, XXXX and EVERY SINGLE MONTH I'm told that the following month everything will be corrected. I was told twice that I needed to do make opt-out payment, which was done in XXXX, XXXX, and then the correct payment of approximately {$1500.00} will start in the XXXX, XXXX. I was told that the bill is generated approximately 10 days before my bill is due, which is the XXXX or every month. I logged into my account today to confirm the payment and I see that the correct income payment amount of approximately {$1500.00} is not reflected, but instead a regular payment of over {$2500.00} is showing. I CAN NOT pay this amount! I have been diligent in trying to get this resolved, and every single month I get another excuse of why it has not been corrected. This is reflected on my credit report, as well. I need this to be corrected immediately so that the correct lower amount of approximately {$1500.00} is reflected. 

Please note that on XXXX, I spoke with XXXX ( # XXXX ). I also spoke with XXXX prior to this date ( although I don't have her employee number ). I spoke with XXXX prior to this, who is a manager and said that she would escalate this to be done in XXXX, but it was not done. 

On XXXX, I called and spoke with XXXX ( # XXXX ), who, after I indicated I was furious and need to speak with a manager, promptly put me on hold, refused to assist me, and ignored my requests and needs. Please also consider this an official complaint about XXXX ( Employee No. XXXX ). 

Later on XXXX, I spoke with XXXX ( # XXXX ) who told me that NOW my payment will be in effect in XX/XX/XXXX and I have to make ANOTHER administrative forbearance payment. Please look in my file and you will see that I made an administrative forbearance payment in XXXX, XXXX and possibly in XXXX, XXXX. This is completely unacceptable. 

I am looking to have this resolved immediately - meaning, before my XX/XX/XXXX payment is due. I expect someone to resolve this and to contact me.
Product: Credit card

I was prequalified for a credit card with a XXXX XXXX guarantee. This guarantee provides credit or {$XXXX} from XXXX XXXX. The credit card company was XXXX XXXX company. I applied and received an email to submit further documents which i did on XXXX different dates occasions with XXXX sets of different documents. They harvested much of my information and did not supply credit and when i reported this to XXXX XXXX  they also refused to provide support to ensure the guarantee and also did not provide me the {$XXXX} cause the credit company did not give me any adverse action. This process has gone over XXXX months and they received tons of my private info and have since spammed me since with credit offers with a higher credit limit which i would not reapply with a current application. This is fraud. This behavior is absurd and unprofessional. I hate making these complaints this is not how i enjoy spending my time! i am busy and have other more important things to do but now i have to contact you cause i dont want my personal information just harvested from a unknown bank in XXXX who scammed me for my info. I have called them numerous times with insane hold times and they just playing games with my application. This is bs. The last call i made after i submitted my electric bill which was overkill in regards to the property tax info, id, ss card and spectrum bill to verify my identity then they told me the application expired 3 days after i sent my electric bill they had all the info to process everything they are just playing games! Then i asked to speak to a XXXX and an XXXX  XXXX came on the line and stopped responding and the call did not hang up but they said hello and then wouldnt respond anymore. This is outrageous!
Product: Student loan

I ATTENDED BROWN MACKIE COLLEGE IN XXXX ALABAMA FROM XXXX, FOR XXXX MONTHS, I WITHDREW IN XXXX OF XX/XX/XXXX I AM TRYING TO ENROLL IN ANOTHER INSTITUTION TO CONTINUE MY EDUCATION, BROWN MACKIE COLLEGE STILL HAS PENDING DISBURSEMENTS FOR ME WITHIN THE COD SYSTEM.I HAVE SPOKEN TO THE XXXX SEVERAL TIMES, AND SENT XXXX EMAILS, SHE RESPONDS TO ME THAT THERE IS NOTHING THAT SHE CAN DO ABOUT IT.
Product: Credit reporting or other personal consumer reports

Ive submitted certified disputes regarding unauthorized account investigations including supporting documents including the cfpb complaints and FTC Report accounts still reporting requested for deletion of account now monetary request for violations and illegal reporting and misleading Multiple disputes and certified request XX/XX/XXXX XX/XX/XXXX In violation of consumer laws 15 U.S. Code 1692e - False or misleading representations R 15 U.S Code 1692g Validation of Debts, the debt collector must cease collection of any alleged debt owed until verification of the alleged debt or a copy of a judgment or the name and address of the original creditor.

US Code 1681 e ( b ) collections must be 100 % accurate across all 3 bureaus Charge Offs : Violation of 15 usc 1635 right of recission
Product: Debt collection

I am a victim of known-name identity theft. I keep receiving mail from Portfolio Recovery Associates , LLC for a XXXX XXXX at my address. In my 13 years of living at this address, there has never been a XXXX XXXX living there. 

On several occasions, I have contacted Portfolio Recovery Associates , LLC and other debt collectors sending mail to XXXX XXXX to my address. They keep sending mail. When calling Portfolio Recovery Associates , LLC, my call keeps getting dropped/hung up, or I am told that because I'm not the debtor they can't discuss the matter with me.
Product: Student loan

It was hard setting up pay arrangements with XXXX XXXX and navient for small payments. Making us difficult for me to make payments at the time.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, OH XXXX Account number : XXXX NAME : XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Florida XXXX Dear Comunity XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Mortgage

I have been dealing with an issue with this company since they took over my mortgage from XXXX XXXX XXXX in 2021. I requested from XXXX XXXX that they send me a copy of transfer date and outstanding balance. According to what they sent and what has been sent already, there is NO possible way I still owe over $ XXXX. XXXX XXXX claims its because of added late charges bc I was never on their delayed payment program from Covid. They also claimed checks were received late which can be clearly seen on the check copies from the bank some checks were deposited before late fee should have been applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of fraud and have taken the necessary steps to report fraud with the credit bureaus. Equifax will not except my vaild documents and I have provided to them for the removal of fraudulent inquiries on my credit file. The FCRA states that the credit bureaus must be fair when resolving a consumer 's issue and Equifax has been everything but fair. On several occasions I have contacted them via mail, phone, fax and have spoken with several supervisors that have stated to me that the inquires have been deleted from my file but these inquiries still remain. The confirmation number is XXXX the supervisor I spoke with was XXXX and he also refused to provide his full name. XXXX was notified that this complaint will be filed. I have also included the documents that were sent to Equifax that supported my dispute.
Product: Debt collection

I have a medical bill that out of network provider is charging me without any prior authorization, the name off the collection agency is Capio Partners  they are violating the no surprise act 2022 I need validation of debt and Hippa authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of XX/XX/2017I sent a letter to XXXX XXXX XXXX XXXX asking for a debt validation regarding an alleged debt that was owed. I received a letter and an unsigned contract with my typed name in the signature area. 

However, since this was my first initial contact with this company I noticed that the company violated Section 807 ( 11 ) of the Fair Debt Collection Practices Act that requires a debt collector to inform a consumer in the initial communication with the consumer with the following wording on the letter " this communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' The code refers to this an a mini-miranda disclosure. 

I sent the organization information regarding this fact ( certified letter ), and XXXX XXXX XXXX XXXX did not respond to the letter but sent me a similar letter ( attached ) with another unsigned contract. This is a blantant violation and request that the credit bureaus investigate this matter and if not resolved, that the account is deleted from my credit report.
Product: Checking or savings account

Old national bank XXXX to branch XXXX called me in the morning to inform me the documents are ready for me to sign. Vague I asked which accounts are you referring to? XXXX replied 3 accounts to me. Still vague I asked her to provide the details. XXXX described the accounts as XXXX IRA CDS and XXXX CD. Too vague again I asked for her too provide additional details, specifically the length of each account and interest rates. After a delay, put on hold while XXXX organized the documents, she returned and described the accounts as 5 month CDS at the promotional rate 4.15 %. When I sat down with XXXX at XXXX to sign the 1st set of documents, all I was presented with was the signature page. May I see the rest of the documents that go with this signature page? XXXX fumbled around a large stack of papers on her desk, eventually she handed me documents that read 12 months at 2.99 %. Suspicious I asked to see the rest of the documents she had prepared for me to sign that day. After more fumbling and shuffling through a stack of papers on her desk she provided XXXX other CDS. After reviewing these documents it was becoming more apparent that something is amiss as these to were set up as 12 months at 2.99 %. I questioned how XXXX could have mistakenly described my new accounts as she did that morning and now presenting me with completely different terms. Now came Ashlyns excuses : I am new here This is what I was told do do There is no one else to talk to as XXXX and XXXX were out of the office For the next 2 hours we went back and forth with what I expected and what was offered that day instead. During this period one by one 2 other employees came into the private office to assist us. XXXX made several phone calls and was unsuccessful finding the answers we needed to fix the issues we faced. XXXX XXXX hours into this aggregating conversation XXXX XXXX made one more phone call, or pretended to. She took the phone, left the office closing the door behind her so I could not hear the conversation. She was gone less than one minute. When XXXX returned, XXXX said she resolved the problem. After fumbling and shuffling from the same stack of papers on her desk appeared the documents as described from our early morning conversation. Mind you both sets of documents were dated the same date and in the same pile. Why would there be two sets of papers dated the same day with different terms? The only conclusion I could come to was a bait and switch, a con found in other questionable business models. Surely not in a bank. If I had unknowingly signed those signature pages without first reviewing the full set of documents, I would have had terms that were undesirable. Terms that were different from what was communicated that morning and what was expected. 
The bank refuses to add my beneficiary Ira XXXX to mobile banking
Product: Money transfer, virtual currency, or money service

A transfer was done with Paypal in the amount of XXXX to my XXXX XXXX XXXX XXXX account. At some point paypal deleted my bank account from my paypal and did an ACH reversal on the money I sent to the bank. This was done on the XXXX of XXXX. XXXX has record of paypal initiating a reversal but paypal claims there's been no reversal and the transaction has cleared. Paypal has not given a straight answer to where the funds are and just keep telling me to wait despite the fact it's been far longer than the 3 business days stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurate. I never attended XXXX College in 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act my rights have been violated. 15 U.S.C 1681 section 602 a. States I have the right to privacy. All three reporting agenicies have a different credit card utilization for all my cards and loan balances?? all my cards have been well below 10 % utilization yet my fico and all 3 Bureau scores do not reflect that?? XXXX XXXX and XXXX has been horrible with my inaccuracies and it is affecting my credit score and my ability to buy a home with better rates! 

XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and 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 error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have 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

CPFB, I am currently an XXXX XXXX member since 2014. Upon reviewing my finance documents both XXXX and XXXX knew I was in the military and never disclosed to me my rights under the military truth in lending and also the service member civil relief act. 
-I didnt get a buyers guide -The car was in an accident and XXXX knew -My rights were violated and grounds for the contract to be terminated and the person that has been reviewing my case fired due to being bias and unfair. 
-As a military member I am protected under the MTLA AND SCRA. This loan is covered under the MTLA due to the gap insurance. 
I have submitted multiple complaints and they are getting away with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX -Acct # XXXX NOTICE OF DISPUTE To : Happy Money Inc XXXX XXXX XXXX XXXX XXXX XXXX a consumer, am notified Happy Money that I disputed this alleged debt pursuant to 15 USC 1692g. I REQUESTED THEY PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE THE COMPANY SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, they are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 

I inform them that they dont have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to them having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to them reporting information in my name to the consumer reporting agencies. 

They are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. 

Im requesting that they provide me the Aggravated Value Of Purchase showing how much was paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR THEM TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT WAS PAID FOR THE DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. 

IVE SENT A WARNING! THEY HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF THEY DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST THE COMPANY, IN THE UNITED STATES DISTRICT COURT. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I CALLED ALL THREE CREDIT BUREAU 'S TO FILE A DISPUTE IN REGUARDS TO MY XXXX XXXX CARD. MY ACCOUNT WAS NEVER IN DEFAULT OR LATE. THIS WAS DURING THE COVID19 PANDEMIC.. THIS ISNT FAIR THAT ITS NOT BEEN TAKEN CARE OF AND MAKES ME NOT ABLE TO QUALIFY FOR A MORTGAGE OR A PERSONAL LOAN WHEN IN DISTRESS NEED OF ONE. I'VE TRIED CALLING AND STATED THEY'D FIX THE PROBLEM.. THE EMPLOYEE AT THE STORE WAS THE ONE THAT HAD MADE THE MISTAKE OF CHARGING ME THE EXTRA XXXX XXXX  THAT WASNT SUPPOSE TO BE CHARGED. I'VE NEVER GOTTEN A BILL IN THE MAIL ABOUT IT.XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit card

At some point between my XXXX and XX/XX/year> statements, Wells Fargo disabled my autopay and did not notify me, resulting in my account being past due and charging me a late fee