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

On XXXX XXXX2022 I sent Equifax a dispute letter disputing inaccurate and fraudulent accounts. Its been passed 30 days and these accounts are still reporting with no proof of investigation. Also, I have not given Equifax written or verbal consent to report any derogatory remarks on my credit report. No consent is identity theft per title 15. Congress made it clear that furnishers arent allowed to report information containing transactions or experiences between the consumer and the person making the report. This is defamation of my character, unfair practices and conspiracy to help companies commit fraud against me.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

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

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking transactions was unfeasible. The CFBPs findings indicate that Zelle has not only neglected to protect consumer but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

I was very excited to open a checking account with First Horizon- even more excited after receiving a promo code for {$450.00} for new checking customers. 

Conditions were to have {$1000.00} in direct deposits over 90 days and leave the account open which I met. 

I went to their XXXX office on XX/XX/XXXX and worked with XXXX to open the account. He claimed that he couldnt apply the promo code due to technology issue but he would call me back to apply code. XXXX called me back a few days later and I gave him the code and I thought we were set. 

XXXX XXXX comes along, I had met the requirements and no bonus. I sent a message via the app and First Horizon said that per the account I was supposed to have a code applied for the {$450.00} but the local bank did not apply it. Support advised me to reach out to XXXX and the local bank. 

I called the location XXXX different times and was finally told by XXXX that his notes said that I never gave him the code but he would talk with his boss on a solution. A week past and I never heard back. I called the bank and an associate named XXXX claimed that without the code they couldnt do anything. Im beyond frustrated because I was under the guise that the code was applied, unfortunately I do not have the code anymore as I was told it was applied. This is not a way to do business, please help with receiving this {$450.00} bonus. 

Thanks!
Product: Student loan

Navient fail to excuse all of my loans and did not inform me that some loans were excluded. I was unaware of the distinction between the private and federal loans leading to miss payment and damage to my credit score. The representative called to notify me of missed payments, despite my monthly payments on time. Even though the payments were made on time claiming there for a different loan when I attempt to resolve the issue after calling the one XXXX number I am transferred to another department without are a clear resolution
Product: Checking or savings account

Ok on XX/XX/year> i recieved several notifications of transactions being made that i did not do so i call bank right away to inform that it was not me and i needed to dispute the charges they were all made to ONE fiance. {$60.00}, {$10.00}, {$15.00}, {$25.00}, {$25.00}, {$25.00}, {$45.00}, {$30.00} plus a {$14.00} to front pay. And i made sure to tell them all those. Well next couple i get a credit on the {$60.00}, {$10.00}, {$15.00} but not any of the others and then my account goes in the negative which makes no since cause on XX/XX/year> my account had XXXX with no pending transactions but after what ever they did to my account i go back and look and now it says i had a negative balance when my deposit posted which was a lie. And when i filed this dispute they didnt do all of them and when i called to say something they had an attitude and threaten with not filing the dispute. Told them they should have done them all.together lik3 i claimed
Product: Mortgage

Having the same problems with Ocwen loan company that I filled the complaint 1 1/2 years ago. We are going on year 3 with this problem. We had a modification in XXXX of 2013 that was approved, signed and notarized by us. We made the first XXXX payments and they stopped taken the payments. The sent us a new bill with a different amount and I call XXXX the company that has the title for our loan and the company that gave us the modification. They said that Ocwen was just behind and it should be fixed in a couple months. I waited and Ocwen told me that they made a MISTAKE. This mistake has cost me so much money because are credit if awful. After the last complaint I filed they told me they would take it off are credit back to when the loan was signed, but they will not give us a new loan. I receive bills for both amounts but can and will not pay either until I have a really loan that is signed by us, not something they just made up. I have hired a lawyer, and he is having the hardest time to get any help for us. I do n't know what to do but file a lawsuit against them. My husband and my credit is awful and we bought a car a year ago and it has affected what we pay for that loan. HELP!
Product: Debt collection

Was approached by a XXXX  salesman at XXXX, Told himI just purchased a home and didnt know when I would even be moving into home. He said that wasnt a problem, I can set up your account and they will send you the equipment and you wont be billed untill you have equipment set up and you make a call to activate the equipment, They mailed the equipment to my address and also billed me immediately. I called and cancelled the account and turned in the equipment, equipment was never opened, Also have the receipt for equipment returned. I asked store clerk if I owed anything because I had the XXXX bill with me and he said that bill was just a pending bill if I didnt return the equipment. Told me there was no charge. I would have paid this bill immediately if I owed it. My XXXX  was XXXX when this collection started and I have always paid my bills to get my score this high. Because of this debt collection that I do not owe, my XXXX score has dropped to XXXX, which I am very mad about. This is either XXXX  policy to have salesmen lie to get accounts or salesman lied to get account. They started this debt collection without ever asking my side of the story.
Product: Money transfers

A guy was offering a service for a game. It turned out to be a scam after he had a buddy and myself send him money on paypal thru the friends and family way. But once he received the payment he stopped communications but has contacted others during this time. Have all the proof from the conversation and also have my buddies from them talking at the same time as he was avoiding me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to report that my rights are not being respected. I tried to solve this issue with JP Morgan Chase bank in the past but they did not listen to my request. This company is reporting a fraud related account. This is a violation under the FCRA. 

Back on XX/XX/XXXX, I sent them a letter specifying the account details and requesting this item to be removed. They keep on reporting this fraud account, they did not even investigate or mark the account as disputed, These are seriuos violations under the FCRA. 

I am giving Chase the oportunity to solve this through the cfpb portal. Again, this account is related to fraud. THIS ITEM MUST BE REMOVED. I am demanding Chase to stop reporting this account and A DELETION LETTER SENT TO THE CREDIT BUREAU AGENCIES AND TO ME FOR MY RECORDS. If they fail to remove this fraud related account, I WILL FILE SUIT. 

Account is the folowing : 1. JPMCB CARD. Account # XXXX. Date Opened XX/XX/2008. Status : Closed. 

Thanks to whomever reads my complaint.
Product: Credit reporting or other personal consumer reports

Request for information KIA FINANCE AMERICA XXXX
Product: Credit card or prepaid card

When I applied for the CNB Crystal Card it was advertised as having a XXXX point bonus offer and I applied by the deadline for the offer. CNB then claimed I am ineligible for the XXXX point offer because they didn't process my application by the deadline for the promotion. They were too slow and that's somehow my fault. I was told not even to bother trying to hit the {$5000.00} spending for XXXX points, because all I would get is XXXX intro points for spending {$3000.00} in 90 days. This was deceptive advertising and should not have been allowed. A company shouldn't be able to delay processing of applications until its terms change to ones more favorable to it. Worse, XXXX XXXX informed me that I would receive the XXXX points once I hit the {$3000.00} in spend and the 90 day mark. Both of these metrics have been hit and they are telling me it will be another 4-6 weeks. In my view, based on these experiences, City National Bank seems to feel as though it doesn't have to honor its promotions, which is incorrect. City National Bank doesn't seem to think they need to advertise the actual product accurately either. I signed up and paid the {$400.00} annual fee only to have many of the most valuable perks stripped from my card mere months after they took their annual fee. CNB should have to provide the product they advertised, or at least wait until the end of the annual fee year to take away benefits that you have paid for. Worse still, they made these changes and are forcing customers who just opened the card to either close the card, which can cause a decline in credit score, or pay the {$400.00} fee again for a product that is significantly less valuable. Previously, employee XXXX XXXX confirmed, you could downgrade the card but they would not allow ME to downgrade it anymore. It's another example of the bank going back on its word. There are even problems using the card 's benefits now. For example, my AU card was registered with Visa for the free in-flight GoGo WiFi passes. The passes didn't even work on a XXXX flight and now CNB is saying it's up to Visa whether to credit the money. This is unacceptable, they should have to make the advertised benefits usable. Lastly, if you look at CNB 's previous responses to my prior CFPB complaints, they seem to be to be snarky and condescending. They do not present themselves as responses from a bank that takes their legal or ethical responsibilities seriously, which is clearly concerning.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two loans that went into repayment with XXXX XXXX, XXXX. I contacted the company to request a forbearance for both loans. I was granted a forbearance for both loans. I received an emailed letter from XXXX XXXX, XXXX stating that the forbearance/postponement date for loan ending with XXXX begins on XX/XX/XXXX and ends on XX/XX/XXXX, with the next payment date due on XX/XX/XXXX. The second loan ending with XXXX stated that the forbearance/postponement date begins on XX/XX/XXXX and ends on XX/XX/XXXX, with the next payment date due on XX/XX/XXXX. However, when I checked my credit report, it had a negative mark for a late payment even thought I was granted a forbearance/postponement for the dates/periods stated above. I contacted XXXX XXXX XXXXXXXX and was told that they are not able to remove the negative reporting, but I can dispute it with the credit bureaus.
Product: Credit card

My credit card account was frozen telling that they need to verify my identity. I had been using this card since lsat 6 months. I called them up and answered all the questions. Now they are saying they need to talk to me on a second phone which I dont have. Another rep insisted they talk to my employer. I requested many times to cancel this card. But they will not. 

Card details Citi Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was effected by capital one bank on Friday XX/XX/2019 around XXXX. This credit run was not authorized by me. As soon as I received notifications to my phone that my credit was ran from capital one bank, I immediately contacted capital one bank to get further information about why my credit was ran without my authorization. I was told that they do not have any information as to an application being submitted with my information. Two days later I received a document in the mail from capital one bank requesting more information to get an approval response for a line a credit that again I did not authorized. I attempted again to reach out to capital one bank, and this time I had an application number from the letter I received. I was directed to contact the credit bureau that was effected to see if I can get this dispute resolved, which referred me to the CFPB.
Product: Payday loan, title loan, or personal loan

I have 2 accounts with LendingClub, one acitve, the other paid off early and in full. I began experiencing problems with LendingClub and neglience with the payment processing services back in XX/XX/XXXX. LendingClub offers a 15 grace period and on XX/XX/XXXX, I called and extended my payment to XX/XX/XXXX. Due to LendingClub 's Representative 's error, my account was still debited on XX/XX/XXXX and this negatively impacted several other payments. 

To my utmost surprise and disbelief, the same issue occurred on my secondary account on XX/XX/XXXX. After calling to have the payment extended to XX/XX/XXXX, my account had an unauthorized debit from LendingClub on XX/XX/XXXX which again had a negative impact on other scheduled payments. Both times after contacting LendingClub, they apologized and acknowledged that it was Operator error on their part ; that automatic payments had not been disabled and there was a {$70.00} refund of fees received because of this. Due to LendingClub 's continued neglience in the area, I requested to have my automatic payments disabled and agreed to call in monthly to make future payments. Depending on a 30 or 31 day month, I have always contacted LendingClub by the XXXX or XXXX at the latest to schedule the previous month 's payment within the grace period timeframe. 

Today, XX/XX/XXXX, when I called to schedule my XX/XX/XXXX payment which is still within it's grace period ; I am informed that my account has been turned over to XXXX, a collection company for non-payment. I am told that my XX/XX/XXXX payment had not been received and that on XX/XX/XXXX, my account was outsourced. I am absolutely stunned and grossly object informing XXXX, the LendingClub Representative, that my payment had been scheduled on XX/XX/XXXX for XX/XX/XXXX. I was told by the Representative I spoke with on XX/XX/XXXX, that the earlies my payment could be processed was XX/XX/XXXX because of the hour that the payment was scheduled, but that it would indeed be on-time. I informed XXXX that I had received no notice of a problem with my payment from LendingClub either in writtin or verbal form. 

After a brief investigation, XXXX informs me that the payment could not be processed due to incorrect account information inputted in the system. I am currently awaiting a call review which I am told I will have no access to for verification purposes. I am 100 % confident that this is LendingClub 's Operator error once again, especially because I know that I asked to have the information verififed multiple times. XXXX informs me that there are notations about multiple call attempts where no message had been left. I requested the number that would be calling me and she was unable to provide that information stating that it would probaby be auto-dialers. I was told messages would not be left for my privacy. I responded that if I have no written communication on the matter, no verbal notices that I could respond to, and the company is using numbers that are automatically identified as spam and rejected, there is no true effort to communicate with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two debts older than 7 years.This has automatically fallen off with the other credit reporting agencies. I have tried three times to resolve this with equifax and they refuse to remove the old debt. This causes a point spread of XXXX points lower with their credit reporting than the other agencies. That's a very significant hit and its because they are still including these accounts older than 7 years as part of my credit utilization.
Product: Checking or savings account

Many times I noticed the balance was low but ok one day, the next day or two a overdraft fee will appear for no reason I went and check with a banker twice but they said everything was ok. The charged me those fees several times. I knew something was wrong but they acted like nothing was wrong Im claiming part of the settlement as a customer for more than 14 years XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have tried to reach out to cash app support regarding several dispute matters at this point they have an unusually long time to process refunds up to 10 business days. I am not understanding how a transaction can immediately show as refunded but the funds wont be available for ten days. More recently I am having an issue with XXXX transactions on my account that XXXX is claiming they cant even locate on my account. CashApp is putting an undue burden on me to dispute the transaction of asking me to provide a receipt or letter showing XXXX cancelling the charge. When I explained to CashApp support this was unreasonable and in no way possible because as I stated before XXXX is claiming they have no record of any of the charges to my account CashApp support failed to resolve the matter and even refuse to cancel the duplicate charge from XXXX. They are refusing to process any disputes and I have over a XXXX dollars stuck as charges or in limbo from CashApp 's negligence and unwillingness to follow the FCRA and allow me to file a dispute.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX SSN : XXXX XX/XX/2024 To Whom It May Concern : I sent a request for an investigation under FRA 611 ( a ) to you in reference to the following account ( s ) XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXXACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX  ACCOUNT # XXXX THIS IS MY 2nd NOTICE REGARDING THESE FRAUDULENT ACCOUNTS You all have failed to reinvestigate these fraudulent accounts as you or required too I am hurt and confused to see I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via USPS mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I originally took out a XXXX XXXX XXXX XXXX for {$6000.00} with XXXX XXXX  in XXXX where I received {$3000.00} immediately and would receive the other {$3000.00} once I paid the {$6000.00} loan back. In XX/XX/XXXX, I received a letter from XXXX XXXX saying they sold my loan to SST, a debt collection company. SST is charging us a fee to make payments. They have no zero fee payment options. Additionally, they do not know the balance of my loan when I call. They do not show my savings account portion of my loan on their website. The website says I am 9 days late and have been charged {$130.00} in late fees in less than 30 days of them having my loan. We received a letter that stated auto pay would transfer over from XXXX XXXX  to SST and it did not. Their website, SST-mo.com does not look legitimate at all.