23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XXXX XXXX, I bought a new set of XXXX tires for my car at Pep Boys in XXXX, MD. When purchasing the tires, I inquired about a credit card offer I saw online. The offer was to receive a " {$200.00} VISA prepaid card when you purchase and install a set of XXXX XXXX, XXXX, XXXX or XXXX tires with your Pep Boys Synchrony Care Care credit card* '' The * references a comment of " *In Store Only '', which was fine, because I was purchasing the tires in the store. The person who helped me said that I could fill out the credit card application and charge my tires, so I applied, was approved, and used the credit card for my tires purchase. I asked about the rebate and he said that it would be mailed to me. 

A couple months went by and I did not receive the rebate. So, I tried emailing Pep Boys customer support for assistance. First, they directed me to the wrong rebate - one sponsored by XXXX, not the Synchrony card. Then, they gave me a website for Synchrony promotions : synchronycarcare.sendmyrewards.com and a Synchrony phone number I could call : XXXX When I went to the website, they had rebate forms, but only for purchases in the then-current month of XXXX, none were applicable for much XXXX purchase. So, I called the number and asked for the correct rebate form. The person I spoke with said that I had to have filed the form within 30 days of the purchase and that she could no longer provide me a rebate form. I explained that I had been told that I would receive the VISA credit card and no further action was required on my part. Furthermore, the website promotion mentions nothing about a rebate form that must be filed. It does have an asterisk ( * ), which only refers to the need to make an in-store purchase. So, I had done everything in my knowledge and power to obtain the promised rebate. I asked if I could speak to a supervisor and was told she was the supervisor and that there was nothing more she could do. 

Attached is a copy of the web page showing the {$200.00} XXXX  prepaid card promotion and a copy of the email exchange with Pep Boys customer service.
Product: Checking or savings account

I was promised a credit for a dispute but I was chatting with a service agent and basically was lied too
Product: Credit reporting

A woman from the state of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX used my XXXX drivers license and social security number to purchase a car thru a loan company called XXXX to purchase a XXXX car. I did not have anything to do with this. I would think this is highly illegal. This transaction showed on my credit report on all XXXX bureaus as a positive item which has effected my debt to income ratio. I need this removed I did not buy a car.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX McKees Rocks, PA XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, XXXX XXXX Dispute of Debt and Violation of Consumer Rights To Whom It May Concern, I am writing to formally dispute a collection account reported by [ XXXX XXXX XXXX XXXX and to bring to your attention several violations of consumer protection laws that have occurred in this matter.

1. **Validation Information** : Under 12 CFR 1006.34 ( b ) ( 5 ), the collection agency has failed to provide the necessary validation information regarding the debt they claim I owe, yet they have placed a collection account on my consumer report. This action is not only premature but also unlawful.

2. **Opportunity to Dispute** : Additionally, I have not been given a fair opportunity to dispute this account as per 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of proper notice violates my rights as a consumer and undermines the legitimacy of the collection efforts.

3. **Misleading Practices** : The collection agency has engaged in practices that involve false, misleading, and deceptive means. Such actions are in clear violation of consumer protection standards and demonstrate a lack of ethical conduct in their collection practices. 

4. **Authority to Furnish Accounts** : The collection agency has no authority to furnish any account to consumer reporting agencies without providing all required disclosures. Their actions are in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ).

Given these violations, I dispute any and all debts attributed to me by [ XXXX XXXX XXXX ] and formally request that they cease all communication regarding this matter. I also request that they provide proof of debt validation, a copy of any purchase agreement with the original creditor, and verification of their authority to collect debts in my state. 

I expect your prompt attention to this matter and look forward to your timely response. Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Debt collection

I have tried to get proper validation bearing my signature on a signed contract making me responsible for this debt. Within guidelines to the FCRA. 

The responses that I keep getting are that theyve verified my name, dob, social and address which is considered verification not validation.
Product: Debt collection

During the Pass 2 Years more or less, I have received Mail from different Collections agency 's at my home right after I place my complains with evidence, Some of this Collection Agency 's have drop there case and close do to the Evidence provided from XXXX XXXX, I posses issue back on, Tuesday, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and has been provided to cfpb and collection agency 's. 

A new collection agency seem recently to take over same issue, were I have place my complain before. I'm tired of this harassment 's by XXXX XXXX, ONE THINHG HAVE NOTICE AND IS A the difference between this company and other this company did not provide any federal regulation information on back of the letter wich is required by law, just like the law states, in case for me to place a complain, but I know the law and my consumer right, see letter front and back provided by this company call SYSTEM, Including envelope were it was deliver to my house. 

I have provided to XXXX XXXX in the pass all evidence and police Report of a identity Theft including police report. 

I can't stretch this any more therefore, I ask the FTC, and the CFPB to please do not discard this letter or place back burner. 

I understand my consumer rights, and if this don't stop here, I will like the FTC to take over this case, from Know on. 

Please note all cases by Previous agency 's been close and How XXXX XXXX continue to Harassment.

False Statements are not right is why some of this company 's have drop there cases please note original complain back XXXX XXXX, XXXX this must stop by XXXX XXXX XXXX, please see documents provided on this complain. 



( Fair Debt Collection Practices Act Fair Debt Collection Practices Act As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ), Please stop the Harassment.
Product: Credit reporting

I am currently an XXXX in XXXX on a temporary basis. I have tried to get my free annual credit reports but can no longer get them on the website. I contacted the credit agencies and was told that they will not give me my credit reports unless I have an address in the U.S. Since I am overseas, I do not have a current mailing address in the U.S. We are U.S. citizens, my husband works for a XXXX, we are paid in the U.S. , pay taxes in the U.S. and have bank accounts in the U.S. We should be able to get a copy of our credit reports to make sure there has been no fraudulent activity. I would like some assistance in this matter, please.
Product: Money transfer, virtual currency, or money service

I am filing a compliant against Cash App ( 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 0:81 was untair and deceptive, as they didino '' E 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: Checking or savings account

I am not sure if anything can be done about this but I have a complaint about Chase bank and their way of handle CD 's and renewals. It is almost impossible to get your money out of an automatic renewal on a CD account. If contacting the bank they will never end the automatic renewal to allow you to access your money after the maturity date. I don't think that this is a good practice as it allows only 10 days to contact before they begin the automatic renewal again even if you have contacted them repeatedly and asked for the account not to be automatically renewed. I will be contacting them again to get this renewal stopped on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Bank of America and The CA EDD are currently in cohorts to not release any new UI to its citizens. The online CA EDD phone number has been de-activated this past week along with BofA taking no responsibility over their fine print stating they can process Emergency Funds from your UI prior to the card arriving. This is not the case.
Product: Credit card

This letter is written regarding my request to once again dispute the credit card transaction, XXXX XXXX  ... XXXX CASE # XXXX Merchant : LXXXX XXXX XXXX XXXX  Order : XXXX Amount : {$440.00} Date of transaction : XXXX Reason : XXXX  XXXX Estimate date of delivery XXXX XXXX days The date of XXXX I sent the merchant a message through their website inquiring about the day the purchase will be delivered as there was no update on the status of the purchase. 

The items were delivered to my house XXXX, XXXX weeks after the promised date by the merchant. 

Not only this, but also when I opened the package, I noticed that the item as a whole was of a bad quality and a completely different item than the one promised in the merchants website. Moreover, the sizes were bigger than the ones showed by the merchant. 
On XXXX, I emailed the merchant in order to return the items and ask for a refund. As usual protocol, the website asked me for the reasons I wanted to return the items. However, once I explained to them the reasons for my dissatisfaction, they asked me once again what was wrong with the items, which I once again answered with the same reasons. 

Moreover, they asked me to take pictures of myself with the items and a measuring tape in order for them to validate my claims. I responded to them that their inquire made me feel extremely uncomfortable and unsafe, and to please just send me what I needed in order to return the items. They did not answer me back. 

After not receiving an answer back, I got in contact with the customer service provided at the Chase Bank and explained to them the problem that I was undergoing with the merchant. They informed me through a text message that I needed to get in contact with the bank once again. Following this information, I called Chase Bank again and they told me that they were already aware of the problem and that they were mailing me to my house paperwork I needed to complete and send back to the bank. I never received the paperwork, and once I called Chase Bank again for an update, they informed that the case was closed. 

I would be very grateful for any help that could be given in order to fix this problem that has been going on now you are accumulating the charges for late payments. 
I find no solution in sight. Best regards, XXXX XXXX XXXX Attached is the Letter I sent twice as well as Faxed to the Claims Department of Chase and I never recieved a confirmation that my documents were accepted or reviewed by the claims department.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

join self financial in XXXX every payment made. 

XX/XX/XXXX. XXXX open dated. i closed the account early i had got a credit card. 
The credit report dont show my closed dated. somehow i had a balance didnt know about and got a late payment XX/XX/XXXX and XX/XX/XXXX. i already had closed the account. bank issue or payment issue that got return. i got XXXX late payments they refuse to help with over a banking error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a grievance concerning my actual accounts and good credit history that is not associated with the ID Theft Reports no longer being listed. Several of my accounts that are mine and are positive are no longer reporting. I am sure this is the primary reason that my score has dropped over 100 points. Because of this significant drop I have suffered loss of business opportunity and extensions of credit. I would like for those accounts not included in the Identity Theft Report to be placed back on my Equifax credit report and to remain on my credit report for the allotted time. I have provided a list of the accounts in the attached documents that show the accounts were on my report prior and are no longer on there. 

Second, I have three accounts that were submitted through an Identity Theft Report That are still appearing on my credit report. Those items are XXXX XXXX ( 4th company down listed on attachment XXXX ) and a duplicate reporting of the same XXXX accounts ( 2nd company listed down in the attachment XXXX ). The XXXX is reporting twice at the beginning as the first item on the credit report and again as the last item on the credit report. And actually the accounts are even misreporting as well because the account has been sold or transferred to a collection company by the name of XXXX XXXX. You can see that the phone number and contact details to XXXX XXXX are detailed in the contact area of the creditor contact information. I called XXXX and XXXX XXXX, who identified himself as a customer representative, stated he found no information related to any of my personal information related to an account with XXXX. Detailed information is again included with the documentation attached.
Product: Debt collection

This is a complaint against Virtuoso Sourcing Group, this company is constantly calling, has not proven that they have a right to collect on the debt, will not tell me who they represent, i have asked them to send a letter, I want them to stop calling me
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agencies Subject : Request for Deletion of Unverified Account Due to XXXX XXXX Dear Credit Reporting Agencies, I am writing to formally request the immediate removal of a XXXX XXXX XXXX XXXX XXXX charge-off account in the amount of {$36000.00} from my credit report. I disputed this account with XXXX, and their investigation was completed on XX/XX/2025. As a result, the account was deleted from my XXXX credit report. XXXX decision to remove this account indicates that it is unverifiable, and as such, I am requesting your agency to do the same in compliance with federal consumer protection laws. 

Under Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to ensure that all information included in consumer credit files is accurate, complete, and verifiable. Since XXXX deleted this account due to its unverifiability, you are now obligated to remove it as well. 

Furthermore, under FCRA 609 and 611, if a credit reporting agency can not verify the accuracy of disputed information within 30 days, it must delete the information from the consumers credit report. I urge you to conduct a prompt investigation and remove this account from my credit file within the legally mandated timeframe.

Failure to comply with this request may result in legal action. FCRA 616 and 617 provide consumers with the right to sue credit reporting agencies that fail to uphold their obligations under the law. Non-compliance may expose your agency to liability for damages caused by inaccurate reporting and failure to ensure fair practices. 

For your reference, I have attached a copy of my XXXX credit report confirming the deletion of this account. If you believe the information is accurate, please provide me with documentation substantiating its validity. However, if no such verification is provided, the account must be removed immediately. 

If this matter is not resolved within 30 days, I will escalate my concerns by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may pursue additional legal remedies. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that this account has been removed.
Product: Payday loan, title loan, personal loan, or advance loan

I got this personal loan to try to consolidate my debt, but when I recieved the loan I added on insurance to the loan. Which they said would pay my monthly payment, if anything were to happen. I Called them to use this service and they said that it wasnt like that, and they wouldnt be covering anything. Now I owe them late fees, on top of XXXX payments at once. So Im not exactly sure what the add on was that I purchased.
Product: Student loan

This is follow-up to complaint XXXX. 

I still have not received my overpayment refund that I've been expecting since XX/XX/2023 ( XXXX months ). 

The letter that I received from complaint XXXX stated that a refund would be manually processed in the coming weeks. It's been another month, and I haven't received anything. 

Also, MOHELA did not reply to my request asking what the amount of the refund is.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting a late payment on my report for @ XXXX XXXX? XXXX, however I have not incured Any late payments on Any accounts within the past year or so. When I contacted XXXX about this the were not able to provide me with any open account that incured any recent late payment. Howbeit, they are reporting a recent late oayment on my account which is totally incorrect and caused my score to drop significantly. I verified with all of my reporting accounts and none of them justified any late payments as claimed. Can you please resolve this error. Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

I got an equity line of credit with title max we been paying on for some time i never really looked at it until i payed XXXX to it and the principle never really moved the payment much. I reviewed the bill and i pay XXXX to the bill XXXX which goes twords princapl and XXXX to intrest and XXXX is to something called a customary fee. Is this leagl to charge when there allready getting the high intrest. I wasn't told about this fee or I would have never gotten this.
Product: Credit reporting or other personal consumer reports

I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : [ XXXX XXXX ], [ XXXX ]. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I ask that these payments be update please
Product: Debt collection

I have received a collection letter from Caine & Weiner a debt in the amount of {$600.00} to XXXX XXXX XXXX. I have NEVER requested insurance from XXXX ; however, this policy covered a car which belonged to my son on which I was a co-borrower. IF I am responsible for this debt why didn't XXXX contact me BEFORE turning it over for collection!? This seems to be an unfair and deceptive practice. The debt dates back to 2017! I am asking that XXXX provide proof that I am responsible for this debt AND an explanation as to why I was not contacted prior to the debt being sent for collection.
Product: Credit reporting or other personal consumer reports

Subject : **Urgent Demand for Immediate Investigation of Fraudulent Charges** This letter serves as a **demand for immediate action** regarding fraudulent charges on my checking account, which I opened with XXXX XXXX  My debit card was **stolen and used without my authorization**, or approval and I hold your organization accountable for your failure to detect and investigate these fraudulent transactions.I opened the checking account associated with my XXXX debit card. Shortly after, my debit card was stolen, and **unauthorized transactions** were made. These charges are **fraudulent**, and I expect a thorough investigation without delay. I have contacted XXXX, and they have confirmed that these charges are unauthorized and that was not created by me. They have agreed to **remove the fraudulent charges** from my account. I demand that ChexSystems take **immediate corrective action** to reflect this in your records. 
I have also filed an identity theft report, as advised. However, I find it unacceptable that ChexSystems appears unwilling to accept this claim. Your organization needs to acknowledge the reality of this situation and act accordingly. I am not familiar with the proper procedures for disputing fraudulent activity, but I insist that you take this seriously and assist in resolving this matter promptly. Your negligence in handling this issue is **unacceptable** and has caused significant financial and emotional distress. **I will not tolerate any delays or excuses**. If you do not take swift and proper action, I will escalate this matter to the **Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and other relevant regulatory agencies**. You will be held accountable for your incompetence in safeguarding consumer accounts. ChexSystems has a history of fines and penalties due to inadequate consumer protection practices, and I will not be another victim of your failures. I fully expect this matter to be handled with the urgency it deserves. If I do not receive a satisfactory resolution within **seven days**, I will pursue legal actions to seek damages for every financial and emotional consequence caused by your system 's deficiencies.This letter is your final warning. **Take immediate action** to investigate the fraudulent charges on my account. 
XXXX XXXX
Product: Mortgage

Planet Home Lending failed to request payment for some XXXX discrepancies in our account to XXXX, KEEP YOUR HOME CALIFORNIA. Now they are trying to get us to pay it. This caused a monthly inconsistency in our mortgage payments. Because this issue was n't corrected, it made our account look delinquent every month since XXXX XXXX. Also, XXXX paid Planet Home Lending through XXXX of XXXX and Planet Home Lending is stating they were only paid through XXXX XXXX.