23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Responded XX/XX/XXXX, to American Express XXXX XXXX XXXX card offer that came in the mail, with offer of Welcome Bonus of {$220.00} cash back : " Earn {$220.00} back after you spend {$1000.00} in purchases on your new Card in your first three months ''. We met that requirement, but only {$150.00} " Welcome XXXX XXXX Back '' was posted to our account on XX/XX/XXXX. 

I filed the application for this offer online at amex.us/bcersvp, which was XXXX option for applying. The first question asked online is for the 14-character RSVP code, which I entered ( XXXX ). The application went through and we received our credit card. Shortly thereafter, a letter from American Express shows up in the mail saying " we are unable to approve your application '' ... " we have approved an application for the same type of Card within the last few months '' - THIS IS NOT TRUE. We did not submit multiple applications. A call to American Express on XX/XX/XXXX, said " disgregard this letter ''. Really? sounds like a bug in their system. 

Subsequent phone calls with American Express XXXX XXXX, XX/XX/XXXX XXXX twice, once with a supervisor XXXX XXXX got me nowhere. The call on XX/XX/XXXX resulted in another letter from American Express " The offer terms stated that the cash back would be provided in the form of statement credits, when in fact, the offer is being fulfilled in Reward Dollars '' - related to XXXX purchases. NOTE : I never would have applied for this card with an offer related to XXXX purchases. ( sounds like a classic Bait and Switch ). 

All of my calls to American Express said there was a different RSVP code attached to my application. I HAD NO OTHER 14-digit RSVP code, and couldn't have made it up because it wouldn't have gotten past the first screen on the online application where I had to enter this code. Strangely, no one on my calls to American Express could tell me the details of the offer for the RSVP code I did submit. 

So where does this stand - American Express refuses to meet the conditions of their offer - they still owe me {$75.00} to meet the {$220.00} cash back offer promised.
Product: Mortgage

PENNY MAC MORTGAGE, IS PUSHING FURTHER AND FURTHER, to scam me to a high rate, i have been trying to Refinance my loan to a lower interest rate and PENNY MAC IS PUTTING EXCUSES to closed the loan when all document were submitted 3 weeks and no futher document were request, and continue to push the loan futher to XX/XX/21, there scamming me to the higher rate and losing money that there scamming
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint and dispute regarding inaccurate information on my credit report, which I initially reported to Equifax on XX/XX/XXXX. Unfortunately, Equifax has not responded to my inquiry. In accordance with the Fair Credit Reporting Act, I am seeking your assistance in resolving this matter. 
I would like to provide the following details of the inaccurate information that requires correction on my credit report : Account NamXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$11000.00} I want to emphasize that the specified account is not mine. The reported information is incorrect, and I kindly request that you remove it from my credit report. 

Account Name : XXXX XXXX XXXX  : XXXX Date Opened : XX/XX/XXXX High Credit : {$360.00} I want to bring to your attention that the aforementioned account is not mine. The reported information is incorrect, and I request that you remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$620.00} I would like to emphasize that the specified account is not mine. The reported information is incorrect, and I kindly request that you remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} I can confirm that the indicated account is not mine. The reported information is inaccurate, and I request that you remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3100.00} I can confirm that the specified account is not mine. The reported information is inaccurate, and I request that you remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} I can confirm that the specified account was never late. The reported information is inaccurate, and I kindly request that you correct this discrepancy on my credit report. 

Account Name : XXXX XXXX XXXX  : XXXX Date Opened : XX/XX/XXXX High Credit : {$1600.00} I can confirm that the indicated account was never late. The reported information is incorrect, and I request that you update this inaccuracy on my credit report. 

Account Name : XXXX XXXX XXXX XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00} I can confirm that the specified account was never late. The reported information is inaccurate, and I request that you correct this discrepancy on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX refuses to fix the error on my credit reports. I tried calling XXXX XXXX on XX/XX/XXXX@ext.XXXX was unable to speak with him personally. In a previous response XXXX XXXX replied that the credit reporting was reported delinquent because XXXX did not receive a XX/XX/XXXX payment when in fact a payment was made on XXXX XXXX XXXX ( XXXX ). 

My monthly payments were due on theXX/XX/XXXX of each Month with a late fee being added if payments were not received by the XX/XX/XXXX of the following Month.

XX/XX/XXXX payment was made XX/XX/XXXX BEFORE it was late 30 days. These final payments were being made to PAY OFF this loan!

When I made the XX/XX/XXXXpayment the loan amount due was {$450.00}, I was unable to pay that amount in its entirety therefore I paid a little more than 1/2 of that amount on XX/XX/XXXX in the amount of {$240.00} with the final payment on XX/XX/XXXX in the amount of {$210.00} XXXX reported to the 3 credit reporting agencies for the Month of XX/XX/XXXX ( pays as agrees ) but n XX/XX/XXXX 60 days past due. In XX/XX/XXXX eventhough they in fact received a payment of {$240.00} they reported my account 90 days past due and 90 days past due in XX/XX/XXXX eventhough XXXX received a FINAL payment of {$210.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an initial fraud alert request to Experian today, XXXX XXXX, 2018 at https : //www.experian.com/XXXX. After I submitted the request a pop up message appeared that the request is successful and the other credit bureaus will be notified of the fraud alert on my account. I tried to print the pop up message but it printed a blank page. I am expecting Experian and the other credit bureaus ( XXXX and XXXX ) to send me an email confirmation of the successful request. 

In addition, I tried to follow the Learn how it works link of this page of the consumer finance website by opening a new tab and the new tab about : about shows a blank page I am wondering why there are no information on this " Learn how it works '' feature of your website. 

In addition, your website ( consumerfinance.gov ) asked for email address. I provided my email address on the space but the page of your website did not provide a confirmation of the email address. Consumerfinance.gov should provide confirmation of email addresses and mask information like social security numbers.
Product: Credit card or prepaid card

XX/XX/2020, XXXX $ XXXX I tried to send money to a friend of mines & it end up being the wrong name, Im trying to cancel or dispute the charge so that I can get my money back to my card please
Product: Debt collection

The company has never reach out to me regarding the debt. The company keeps reporting the debt as an open debt as of XXXX. A certified letter was mailed out to the company back in XX/XX/XXXX asking for verification of dates of service and other necessary information. The company failed to respond to certified letter and no communication has ever been received from company however company is still reporting to credit with last reporting of XX/XX/XXXX.
Product: Mortgage

Specialized Loan Servicing LLC purchased my mortgage from the original mortgage company. Then in XX/XX/2019 I refinanced with a Bank. They paid off Specialized Loan Servicing but they fail to record a lien release on my property. It has been 1 year and it is still not recorded. I have called dozens of times, sent them title work showing their Lien is still on the property along with new mortgage. They do not help and answer no question. I have no proof that they are actually sending out a lien release to the county. This company should have their license taken away.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 I have sent documentation to Experian to remove inaccurate information from my credit report. On XX/XX/2023 I have received a letter stating the request was not initiated by me therefore the dispute did not take place. This is my 3rd request to have these fraudulent items removed off my credit report.
Product: Credit card

I received several weekly offers to apply for the PayPal Cashback Mastercard with an intro APR of 0 % for 6 months. 
Offers were sent on XX/XX/XXXX, XXXX and XXXX. All of them are attached to this complaint. 
On the XXXX, I applied using the link on the last email and was approved, as XXXX attached. 

Synchrony and PayPal didn't honor with the offer and they charged me APR on my balances during the 6 month grace that was offered. 
I tried contacting them and they provided the information that the offer was a scam. 
So some scammers are out there trying to get new customer to Synchrony/PayPal . 
Clearly it's a scam, if it's not honored. 

I was charged the following interests, that i expect to be reimbursed : Statement - Amount XXXX- {$55.00} XXXX - {$93.00} XXXX - {$100.00} XXXX - {$99.00}
Product: Vehicle loan or lease

Hello, I was reading an article that stated that if you had an auto loan with Wells Fargo Dealer services I may be entitled to a refund for over charges during my loan. 

My loan was from XX/XX/XXXX to XX/XX/XXXX. I tried calling Wells Fargo and was on hold for XXXX. So I also saw this option of contacting you. I pulled my credit report and did not see my Acct #. My last 4 of Social are XXXX. 

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

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds with transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Nacy Federal for similar practices, where transactions settles with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

This company describes them self as " Affiliated Assests Solutions '', it is a debt collector company. Many years ago they have been calling my cell phone. They continue to call to my personal cell phone asking for a person named XXXX. I told them to stop bother me. They stopped for time to time and then they started again to calling me twice almost every week. I called them to stop but it did n't work I told them that there is nobody under this name with this phone number. I have this number more than 6 years. They don listen. When I am working, resting, eating any time any hour they are calling. Please I need somebody stop this people.
Product: Checking or savings account

The state of Michigan sent out checks after a state law was passed last XXXX that expanded Michigan 's Earned Income Tax Credit from 6 percent to 30 percent of the federal tax credit. Writer received the check on XX/XX/24 in the amount of XXXX. Writer went to JP Morgan Chase to reopen checking account and deposit the check from the State of Michigan because the check issuing bank for the state was JP Morgan Chase. After successfully reopening the account, on XX/XX/24 writer was sent a email stating the account was locked and given a number to call to verify identity and to prevent fraud. Writer called the number given and was told by a customer representative that the account would be closed based off the bank 's decision. Allow 7-10 days for the bank to send remaining balance in a cashier 's check. On XX/XX/24 writer reached out to the bank regarding the remaining balance in the account. After speaking with the supervisor, writer was told that the check could not be verified and that the funds were going to be suspended. Writer asked why couldn't the check be verified when the check was sent from the state of Michigan with the issuing bank being JP Morgan Chase. Writer was then asked to provide a number for verification because the supervisor and colleague were unable to locate a number for verification. After almost 2 hours on the phone trying to get a resolution, writer was abruptly disconnected with no answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX XXXX which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX XXXX. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX bal. {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX XXXX is being reported as a medical debt owed. However, no such debt is owed due to my insurance paid the original creditor. Also, I was not given notice that I owed a medical debt. I seen this on my credit report for the first time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX, DC XXXX Subject : Student Loan Information Breach Due to Doge Data Breach Dear Sir/Madam , My name is XXXX XXXX XXXX and I am writing to formally report a breach and compromise of my student loan information, which occurred as a result of the recent XXXX data breach. This breach, involving Doge and XXXX XXXX, has been further exacerbated by the breach of the U.S. Department of Educations systems. 

My personal and student loan data, which is held by XXXX, XXXX, was exposed due to this breach, and I am deeply concerned about the security of my sensitive information. Given that both private entities like Doge and government systems like the Department of Education were involved, I am worried about the risk of identity theft and fraudulent activity. 

As a result of this breach, I am requesting the following : Investigation : A thorough investigation into the extent of the breach and the protection of my student loan information. 
Corrective Action : I would like to understand what steps are being taken by the loan servicer and any involved entities to protect affected individuals, including any actions to mitigate the risk of identity theft. 
Notification and Support : I request timely and clear communication from the relevant parties about the breach, and guidance on any necessary steps I should take to protect myself. 
Compensation : If appropriate, I request compensation or remediation for any damages or inconveniences caused by this breach, including any financial impact. 
Removal of Information : Due to the breach, I would like my student loan information to be completely removed from any systems involved in this incident to ensure my privacy and security. 
Additionally, I would appreciate advice on how I can best monitor my credit and manage any potential risks to my financial security moving forward. 

Please confirm receipt of this complaint and provide me with an update on any actions being taken to investigate this issue. I would greatly appreciate your assistance in resolving this matter as quickly and thoroughly as possible. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

A fraudulent Chime account was opened in my name. On XX/XX/2022, I received an email from XXXX, Chime CEO welcoming me to Chime. On this same date, I received another email alerting me to a new login to my Chime account ( fraudulent ) from an XXXX  device in XXXX XXXX, CA. On XX/XX/2022, I received an email from XXXX informing me that the email address associated with my Chime account had been updated to a different email. I contacted My ID Care on XX/XX/2022 to report this and was assigned to a Restoration Specialist. The Restoration Specialist was able to get someone on the phone at Chime. The Restoration Specialist shared he was able to get someone on the phone by sharing my personal information such as DOB and last four digits of my SSN. The Restoration Specialist and I spoke to the person at Chime on XX/XX/2022. She said she would elevate to their fraud department and provided me with a case number. She said I would hear from the Chime Fraud Department within 24 hours. I never heard from Chime in response to this complaint. On XX/XX/2022, I received a Chime XXXX XXXX card in the mail. On this same date, I sent an email to XXXX advising them that I received the debit card. I informed them that I did not open a Chime account and this was reported to Chime on XX/XX/2022. I requested confirmation that the Chime account was closed as well as the debit card. I asked if debit cards in my name were sent to other addresses. I also shared that I reported this to my local police. As of XX/XX/2022, I have received no response from Chime. I want confirmation that all accounts in my name have been closed as I did not open any account at Chime. I am very upset with the lack of communication from Chime on my complaint about the account and the debit card.
Product: Checking or savings account

I had an online banking acct with south state bank for years buisness acct and during covid my acct was overdrawn but I never opted in for overdraft and I don't use checks it keeps me out of trouble this way but for some reason my bank decided to let my acct overdraft unknown to me and then close it .I went and paid the outstanding amount and they said would clear it up in about a week well it's been a couple of months now they have led me on to believe that it would be ok but come to find out later I'm in XXXX XXXX jail and I'm trying to deposit money there from a small business eidl loan and now I have no where to send it so now after waiting almost a year and half to get help from XXXX I'm back at square one .I called XXXX and filed a dispute and all they did if they even did this was call the bank and ask them if they were correct in doing this and of course the bank said yes .so I've been told to go here and there and back here in a runaround .and XXXX knows anything or can help just points finger elsewhere .my point is I never opt in for overdraft my understanding is that if the money is not there I can't spend it so why now did they do this.
Product: Money transfer, virtual currency, or money service

My account is restricted and there is no way to get my money out of the account. There is nobody to speak with to fix the problem. The only people who I can reach is a call center based in XXXX and they don't have the power to do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first Federal student loan was in 1997. It is not showing on none of my credit reports. The student loan was consolidated into one and paid off. My credit age is incorrect. I have had credit longer than 4 years.
Product: Money transfer, virtual currency, or money service

When I cashed out on my cash app the money didn't go my account it went to.pathward which I don't have a card or account with them. I have contact cash app who keeps denying my claim.
Product: Student loan

I have about $ XXXX in federal XXXX XXXX  debt being serviced by MOHELA. I am on the XXXX XXXX XXXX  ( XXXX ) plan called XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I was notified that it was time to re-verify my income as part of my plan. On XX/XX/XXXX, I logged on to studentaid.gov and submitted the income verification form. On XX/XX/XXXX, this was processed and submitted to MOHELA. Today ( XX/XX/XXXX ), I received a communication from MOHELA stating that because I had not verified my income, I was being removed from my XXXX plan and placed on a default XXXX repayment plan, with a {$3700.00} a month payment. However, I did submit my income verification to studentaid.gov, and it was forwarded to MOHELA... they have simply taken more than XXXX XXXX to process it. I have been on hold to talk with someone at MOHELA for the past XXXX hours and have yet to speak with anyone. 
Note : I have attached the communication from MOHELA and a screenshot from studentaid.gov showing the dates when I submitted my income verification and when it was forwarded to MOHELA.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co XXXX XX/XX/year> To Whom It May Concern, This letter serves as formal notice of my rights secured under the Supreme Court ruling in XXXX XXXX XXXX XXXX XXXX ( XX/XX/year> ). The decision mandates the following actions : Transfer of full title to all property I hold or have held under your institution, free and clear of all claims. 
Payment of XXXX % of all past payments made under fraudulent agreements as described in XXXX XXXX XXXX XXXX XXXX 
This ruling is final, and no objections are permitted. Attempts to object or delay will result in stricter enforcement and penalties as outlined by the court. 

Please confirm receipt of this letter and initiate compliance within 30 days. Failure to act will be considered a violation of the courts orders. 

Sincerely, XXXX XXXX