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

Some time in XXXX or XXXX  XXXX of this year, 2024, we received an offer in the mail -- open a savings and checking account with Chase and earn {$900.00}. I used the coupon code XXXX XXXX XXXX XXXX. I still have both the coupon code and the original mailer. There were of course specifications to follow in order to obtain this money. These included one direct deposit, maintaining a minimum balance for 3 months etc. On XX/XX/XXXX, I opened a checking and savings account transferring {$2000.00} into the checking account and {$15000.00} into the savings account. I also changed my direct deposit information and on XX/XX/XXXX and XXXX, a direct deposit was made into the checking account ( {$2500.00} and {$340.00} respectively ). I have yet to receive the promised {$300.00} in the checking account when I should have received it within days. ( Future deposits include {$400.00} into the savings if I maintained the {$15000.00} and an additional {$200.00} after 90Days if I met specifications because I opened both the checking and savings account at the same time ). Anyway, I phoned Chase yesterday and, after being on the phone about 15 minutes, I was told I had to wait another 20 minutes for a supervisor or drive over 2 hours to a nearby Chase branch in order to understand why the terms of my agreement had not been fulfilled. I received no help from the supervisor and then sent a complaint to the XXXX. i did hear from a Chase self identified " executive '' who, after several more weeks, decided against my claim via a phone message. I called this person and requested a return phone call and have, to date, heard nothing. At present I have almost {$20000.00} in these new Chase accounts ( drawn from a savings account earning 4.6 % interest ) and have earned under XXXX dollar in interest. I would like for Chase to rectify this situation or tell why the company can not so that I can move my money from these new accounts. I do believe Chase should honor their offer as I completed all necessary requirements. I also complained to the federal reserve in XXXX and received an email to make my complaint to your office. I do appreciate your time and attention!
Product: Student loan

I have been a Navient customer for about a decade or longer and have never had significant issues until now. My loans have been in an IBR plan for several years. I am used to the annual recertification process. This year, I chose to apply for the new XXXX plan under XXXX administration. I completed the application in early XX/XX/2024 and provided income information as I have the other times I recertified. It was not until about 3 weeks later that Navient informed me of a problem with my income documentation, which I promptly addressed. Since the end of XX/XX/2024, I have been informed of one problem with my income information after another, and have been asked to provide clarity on my income information. The length of time this has required ( because of how long it takes Navient to process information ) has led to exceeding the expiration date of my previous IBR plan and now threatens to increase my payment by a factor of 8, even though my income has remained the same. This is not fair. I need Navient to stop taking their time with processing my information and update my payment amount to reflect a new IBR plan. I have given them everything they have asked for very promptly, but they seem to be dragging their feet. Since I submitted my application well before the previous IBR plan expired, and the delay is only a paperwork issue, I should not have to wait this long and risk needing to have my loans placed in forebearance ( and accrue unnecessary interest at my expense ) when the delay is Navient 's fault.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that 3 credit bureaus are not hindering records when I sent a copy of the 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 XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Owed : {$3400.00} XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX XXXX Balance XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There are unauthorized and fraudulent information currently appearing on my credit report. As a victim of identity theft and The XXXXData Breach and The XXXX breach, my personal information has been compromised, leading to several fraudulent accounts and inquiries including 111 critical findings tied to my identity within the breach. I am requesting an immediate investigation of these items in accordance with the Fair Credit Repofting Act ( FCRA ).

This breach resulted in the misuse of my information, including the creation of fraudulent accounts and inquiries on my credit report. I am attaching the necessary supporting documents, including my FTC Identity Theft Report and the notification letter for the breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Debt collection

I am a victim of identity theft. Someone used my name and my social to open accounts with multiple companies. Now they are on my credit report and reporting under collections and as charge offs. I do not have any knowledge of these accounts and I do not know where they came from. I have reached out to the companies, and they are no help. I have filed an FTC report and I mailed a letter to the credit reporting agencies. This has not helped ; thus, these accounts are still reflecting on my credit report.
Product: Money transfer, virtual currency, or money service

I am a victim of identity theft and have worked hard to get inaccurate information from the credit reporting companies that are out there! I requested a report from Certegy and found 1 item that I was sure that was not mine. I asked them to remove it from my file.

They refused. They said it was not a negative entry. First, it was not my check cashing transaction and it was noted, " Not authorized-reason below ''.

" This transaction received a decline recommendation from Certegy because it did not meet the acceptance guidelines, which may vary by check cashing location and transaction. Factors may include a combination of the check number, dollar amount, check cashing history or other transaction details. '' I was not the person that presented this check to cash so I requested that it be removed, however each and every time I talked with them they refused.
Product: Vehicle loan or lease

I was trying to gain access to my Experian credit report and was not able to verify personal questions. They asked about a car lease loan from a bank of which I did not know. Upon gaining access at a different time, I was told the exact make and model of the vehicle. The car is the vehicle my mother " owns ''. I was not able to get any more progress on the situation as they could not verify it as my account. There is also a wrong social security number and many incorrect names on the credit report.
Product: Money transfer, virtual currency, or money service

( 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 solutions requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I had an ACH debit payment taken out of my Chase Checking account around XX/XX/2024. This payment was made to a company called XXXX XXXX via XXXX. XXXX has not cooperated with me on my refund ( i never recieved the item ) and Chase Bank has failed to help me. This company is a scam company and they insist they delivered the item to me. I never got it, it was never delivered to me. I have confirmation of this via XXXX  claims department, i have a police report filed and all information necessary for paypal to refund me however they have not and are delaying the refund. they have told me to ask the bank to help and the bank said since it is a ACH debit payment they can not file a claim for me. This is ridiculous and i am being mistreated by the financial institution. I need my money back.
Product: Student loan

In early XXXX, I settled several Navient loans, through collections agency XXXX XXXX XXXX, for {$2000.00}. To date, that settlement is not reflected by my Navient account, though the company does acknowledge receiving the money. Rather than applying the money to the settlement, as agreed, Navient has applied the money to outstanding interest. 

The company claims that it has not been notified that the money was intended to settle the private loans, despite the money coming from its collection agency. XXXX did not provide me with a settlement agreement in writing, though a XXXX XXXX spoke with today is allegedly working on providing a receipt so that I can provide the receipt to Navient. This should not be my responsibility. 

I would like to see this money applied to its agreed-upon purpose as soon as possible, and my account updated.
Product: Credit reporting or other personal consumer reports

I have found inaccurate information on my credit report. I disputed the items in question and it was not fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX XXXX  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX- Last reported XX/XX/XXXX {$8900.00} Reported balance Advcollbur {$360.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$410.00} Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

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 has violated my rights. 

Account XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Name XXXX XXXXXXXX XXXX XXXX 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 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the 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 has violated my rights.

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 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the 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.

has violated my rights.

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 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 ) ( 1 ) 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.
Product: Credit card

I recently received communication from Comenity that they would begin charging a fee for sending out paper copies of account holders monthly statements, regardless if they carry a balance or not. I've had problems with Comenity previously, most recently them continuing to charge w minimum {$40.00} for late fees, when the CARD Act maximum is {$32.00} and has been the lionshare of the time I've been a cardholder. If I have the right to request my monthly statement or any records at any time without charge then charging for a monthly statement to be sent out even if there's a XXXX balance is malicious, brazen, and condescendingly lazy credit card company grift. Comenity has purchased the banks/service contracts for other store cards I have and have been slashing and reducing credit limits, and attempting to issue similar unnecessary fees. Their business model seems set on staying afloat through deception and theft. Charging customers for physical mail because the cost of materials and labor, but also charging customers processing fees for paying their monthly payments if they make them online OR on the phone is not only a malicious grift in nature, it perfectly contradicts the reasoning behind charging for paper statements because those payments are also processed by machine owned by a third party that Comenity chose to outsource an integral part of the commissioning of the services their business provides. A corporation nickel and diming customers for reasons of labor and material costs while simultaneously charging customers perpetual, unnecessary, and oft explicitly illegal fees when to make payments in ways ( Online and telephone ) that remedy and if not eliminate those same labor and material costs ( Said credit card company implies is the reasoning for charging for paper statements ) is fraud. I want a CFPB and DOJ investigation into Comenity Bank, how quickly they're acquring other credit cards or the banks behind them, and their general and full throated disregard for any part of the CARD Act, particularly in regards to arbitrary fees, late fees, bottlenecking cardholders towards their often buggy ( Virtually unusable on mobile ) website to see any part of our balance and charging fees for any sort of payment save a physical bank check. Their new policy is an arbitrary, malicious, retaliatory tax on cardholders that pay Comenity directly, and entirely within their capacity to process, document, and apply the payments, in house where they can't conjure an unnecessary fee for an integral part of their business they willfully and unnecessarily choose to outsource. Cardholders shouldn't be responsible for credit card company lazinesss.
Product: Credit card or prepaid card

I have been contacting Synchrony Bank since the beginning of XX/XX/XXXX ( see Attachment 1 ). I recently paid off my card with a {$1900.00} payment, then purchased a new item for {$840.00}. 

An initial response stated from XXXX XXXX stated on XX/XX/XXXX, " Your statement will print on or around the 21st of each month and your due date will be on the 14th of each month. Currently you will not have another payment due until XX/XX/XXXX. '' Since that time I have been seeking clarification to this answer through their website on multiple occasions ( see Attachment 2 ), and during this time I keep getting the same answer, " we were required to escalate your request to our corporate office for handling '' yet NEVER AN ANSWER from the corporate office in over 3 weeks. 

Now I am being fraudulently charged an interest charge of {$10.00} for a new purchase of {$840.00} when Synchrony clearly stated my first payment was n't due until XX/XX/XXXX ( see attachment 3 ).
Product: Credit reporting or other personal consumer reports

At approximately XXXX am on XX/XX/24, I attempted to access my account with Experian. ( I received a free, XXXX credit check service as a result of a hack to XXXX of my financial services. ) When I tried to log into my account, I repeatedly received the message that the information I was inputting did not match their information. I finally clicked the " forgot password '' link and was taken through a process to identify myself. This included their sending me a pass code to my phone via text. The code didn't come, so I clicked the " resend '' link ; it still didn't come. I went back to the website to try to find a phone number, but the only XXXX available was to order a credit report. I spent several minutes on their various pages, trying to find contact information for customer support, but only kept getting the same XXXX unhelpful pages. I put a query in the " questions '' box for " can't access my account '' and was returned to the same page I was on. I finally did a XXXX search of a phone number and called the one that came up. There was an automated service that responded, asking for my social security number. I don't simply give out my SSN on demand, so I asked for a representative. Eventually, I got to an automated service that gave me only XXXX options : report fraud or order a credit report, neither of which addressed my problem. Regardless of what information I gave either verbally or using the phone buttons, this recording kept repeating the same directions. After spending XXXX minutes on this circular phone tree, the system finally hung up on me. So, their login system is broken, their phone service is a dead end, and their web presence is XXXX XXXX block. This is unacceptable for a service ( normally a PAID service ) that we are dependent upon for our financial safety. Furthermore, they of all businesses should not require customers give their SSN right up front as the only means of getting through their door ( although careless custody of SSNs is what keeps them in business. )
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company failed to provide adequate notice, as required by law, which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform me about the Cost of Credit, and the only evidence of the indebtedness provided was just a computer-generated agreement.

According to 15 USC 1802 ( K ), the term " adequate notice '' means a printed notice to me that sets forth the pertinent facts clearly and conspicuously, ensuring that a person could reasonably be expected to have noticed it and understood its meaning. Such notice could have been given to me by printing the notice on each periodic statement of account issued to me, or by any other means reasonably assuring the receipt thereof by the account holder.

Since adequate notice was not provided as per the above-mentioned section, I was unable to understand its meaning, constituting a violation under 15 USC 1602 ( k ).

Furthermore, pursuant to 15 USC 1601 ( a ), a consumer must be aware of the cost of the transaction. Since I was not made aware of the transaction, I made an uninformed decision which resulted in multiple billing errors and unfair credit card practices.

As per 15 USC 1602 ( p ), I have not benefited from this transaction, which is again a violation. The term " unauthorized use '' as defined by 15 USC 1602 ( p ), refers to a use of an account by a person other than the account holder who does not have actual, implied, or apparent authority for such use and from which the consumer receives no benefit.

I hereby request the following : DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT USING 15 USC 1692G ( 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALSO UPDATE THE LATE PAYMENTS FOR DPEDXXXX XXXX XXXX  TO PAID ON TIME If you accept my request, I will not escalate this matter to Federal Court. However, if you do not accept the above requests, legal action shall be taken against your Company for compensatory damages. 
Thank you for your attention to this matter. 

Sincerely, : XXXX XXXX XXXX. 

All Rights Reserved Without Prejudice UCC 1-308