23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Date : XX/XX/2017 Amount : {$570.00} I received the loan for a friend, and she promised me that he will keep up with the payments so I will not have this on my credit, but she never paid me back. As I check my credit I see that the debt was closed and have been closed for months and I want this deleted off of my credit. I tried contacting the company but they will not remove the deleted account off.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX my identity was used by an unauthorized party to attempt to open lines of credit with Discover Financial SVCS and XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, Discover wrote me a letter, reference number XXXX stating they completed their investigation and would remove the hard inquiry from my credit report. They also stated it would take up to 60 days for it to be removed from my credit report. 

It has been 259 days and this hard inquiry is still on my XXXX credit report, hurting my credit score. 

As for XXXX XXXX XXXX XXXX, I couldn't even get to their Fraud department. Instead I reached XXXX or XXXX. When I called on XX/XX/XXXX, I was told that the head of account solutions would contact me. 
They never did. 
I called back XX/XX/XXXX, and was told they were in the middle of physically moving between buildings and that someone named XXXX would get back to me. 
XXXX never got back to me. 
The phone number for XXXX is XXXX XXXX XXXX.
Product: Debt collection

I keep getting harassing calls from various numbers I blocked saying they are trying to collect a debt, that is old, disputed, removed, and deleted from my credit reports trying to offer me deals I am not obligated to pay in the excess amounts of XXXX, XXXX, and XXXX dollars, which I do not owe WHO ARE TRYING TO XXXX XXXX  OVER MY CREDIT REPORTS I HAVE WORKED SO HARD TO FIX FOR THE LAST 10 YEARS. 

THEY ARE CALLED THE XXXX XXXX XXXX NAME IS XXXX XXXX, XXXX, CASE # XXXX. 

I don't owe Total VisaXXXX XXXX who never lived in Idaho, but I need me a XXXX XXXX  who I'd XXXX know like another XXXX night stand in XXXX, XXXX to other areas of the XXXX XXXX XXXXh a down too much approach. People, lawyers, colleges, and government/corporate organizations owe me money as I have a litany of people who need to gim me all my money from DFAS from the military, federal agencies since XXXX  to present day with a XXXX.
Product: Bank account or service

I deposited/ {$2800.00} cash at Chase XXXX branch ( XXXX XXXX XXXX, XXXX , NY XXXX ) ATM machine on XXXX/XXXX/2015 at around XXXX - XXXX. After I put in all my money bills in, the monitor showed that I deposited too many bills at one time, so the machine first spitted out my money back. When I about to go grab my cash back, the machine sucked all my money back in then the whole machine froze and not responding nor printed out any receipt. First, I waited in front of the ATM machine to see if it will return my money back. After waiting for about 10 min, I went into the bank and call for help. Chase bank sent a XXXX speaking lady to help me. Then this lady told me that this happen before that the machine could spit out the money in about 10 min, so the lady waited with me in front of the machine for about another 15 min. After the long wait, she sent me to the office and there was another customer service man helped me to place the phone call to Chase Claim department because, according to them, they are different department and they could n't do anything for me besides place a phone call to Chase phone line. I spoke with a lady on the phone line and she told me that she will go ahead to put a CREDIT DUE TO ATM DEPOSIT DISPUTE of {$2800.00} to my checking account and they will take care of everything. On XXXX/XXXX/2015, a credit was placed in my checking account. I trusted Chase bank because I 've been a customer with Chase for a long time. However, on XXXX/XXXX/2015, I checked my account statement online and found Chase posted a REVERSE CREDIT FOR ATM DEPOSIT DISPUTE of {$2800.00} to my checking account on XXXX/XXXX/2015, so I called Chase at XXXX right away and spoke with claim specialist XXXX at XXXX on XXXX/XXXX/2015, and found out the Chase could not locate extra cash on that ATM machine. I requested Chase to re-investigate my claim on XXXX/XXXX/2015. On XXXX/XXXX/2015 at XXXX, I went back to Chase bank XXXX XXXX XXXX XXXX, Flushing XXXX NY XXXX ) and request to get additional help in person. I spoke with Officer Relationship Banker XXXX XXXX regarding my case again, then the answer I got was the same which they will re-investigate this case. On XXXX/XXXX/2015 at XXXX, I called Chase at XXXX and spoke with their claim specialist Preftom regarding update of my claim. The answer for Chase 's 2nd investigation was the same which they could not locate the money and I will never be able to get my {$2800.00} back. I questioned Chase 1 ). what if the ATM machine did spit out my money back later then someone took it? 2 ). Did the investigation team check the surveillance camera ( there are at least 4 cameras in each corner ) to see if any one took my money after I left because I was instructed by their employee that they will take care of everything? 3 ) If I could speak to the investigation team directly? After all, their answer was NO and there is nothing they can do at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX  Date of inquiry XXXX XXXX Date of inquiry XXXX XXXX Date of inquiry XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX Date of inquiry XXXX XXXX  Date of inquiry XXXX XXXX Date of inquiry XXXX
Product: Checking or savings account

Synchrony Bank has a shady practice of locking in customers in their CDs. When the CD is about to mature, they do not send any notifications but default renew the CD. When I ( user ) tried to cancel auto renewal of future CDs on their maturity date, I can not do so. The only way they allow this is to call them via phone 30 days before the day of maturity. Their online portal only allows to change the term of CD renewal ( duration and amount ) but does not provide the cancel renewal option. They auto renewed CD without notifying me and when I noticed and called them, they are saying I need to penalty to cancel the CD. Which I understand if I was canceling a CD that I created, however renewing my CD without notice, not giving me the option decide how my CD should mature ( renew or cancel ) ahead of time and then penalizing me for canceling my CD when I didn't intend is an unfair design practice and I would like Synchrony to honor my choices and limit when I can or can not withdraw my funds by making it very difficult to close the CD when they mature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX and XXXX ). I have never with these accounts listed below, so please help me remove these charge offs, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my SS Number are all included in this written request. Please help me resolve this issue as soon as possible. 

Incorrect names and addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, and XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX, Fraudulent accounts : XXXX XXXX XXXXXXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX  XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Open XX/XX/XXXX XXXX {$0.00}, XXXX XXXX Date Open XXXX XXXX, XXXX XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting or other personal consumer reports

I submitted a dispute through the mail to the credit bureau back on XX/XX/ and it seems as if nothing was done. I am a victim of identity theft. I sent the required documents they asked for which were a copy of my driver 's license, FTC report, and social. There is still information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tower Loan of XXXX, AL reported a hard inquiry on my credit report in XXXX of XXXX. I reached out to them the same week and spoke with a representative who told me to report it to the credit bureaus and that should have it removed seeing I have not applied for a loan with them in years. I did as she encouraged me to do so and they still have not removed it 4 months later. I explained to her that I am in the process of repairing my credit to buy a house and do not need unauthorized hits on my credit. She said that she understood, but the situation has yet to be fixed. I have NOT been in that establishment since XXXX and have not spoken with them either to authorize a loan. I have attempted to reach out to the company and instead of fixing their mistake immediately, they have refused to remove it. It seems as if you ever get a loan with them, they will continue to put an inquiry on your report for years to come! Although they have been paid in full, and you have no business with them!!!! Beware!!!
Product: Consumer Loan

Consumer Portfolio Services has been calling me at work on my cell phone about a loan I have nothing to do with. I did not co-sign the loan or assist in getting the loan in any way. Sometime in the last two years my husband purchased a car which Consumer Portfolio Services apparently financed. My husband lost a high paying job when the economy went bad all of are financial affairs are completely separate. I have not co-signed any loan for him or in any way assisted him in getting that loan. For months Consumer Portfolio has been calling me at work. I work in the XXXX and can not be receiving calls like that at work. I have told them to stop calling me on my cell phone and they wo n't. I have told them to stop calling me during work hours, they wo n't. On XXXX XXXX, 2016 I sent them a certified letter telling them to stop calling me on my cell phone while I 'm at work and that my name was not on that loan. They continue to call me twice a day even after I sent them the certified letter.
Product: Student loan

I not only should qualify for borrower defense to repayment, I should also qualify for public service loan forgiveness and I am just getting the runaround on both of these issues from XXXX. My loans were put into forbearance while my borrower defense application was being considered, I did not ask for my loans to be put in forbearance they chose to do that, but all of a sudden now I see I have a payment due in XXXX. I put in my application for public service loan forgiveness recently, for the second time, and they are saying they never received my first application which I did in 2016. I provided all of the documentation to show that I worked for XXXX   XXXX for the past 11 years and they are saying that I only qualify for four payments. All of this is a giant mess and it is so negatively affecting my life to the point that I really may become homeless because I have to pay such high rent because I can't qualify for any kind of mortgage because of my student loans which should be forgiven either through borrower defense or through public service loan forgiveness. I can not get a straight answer from anyone on any of this. I am a XXXX XXXX I am making no money and I'm doing the best I can I really need help!!
Product: Credit card or prepaid card

Dear CFPB ; I buy and sell a lot off collectibles on XXXX. Today I noticed that Capital One had charged me a cash advance fee on an XXXX   purchase of {$1700.00} last week. I called them and then spoke with a supervisor who said nothing could be done with the added charge in excess of {$50.00} plus high interest. They said it was XXXX 's fault that put it through as a " cash advance ''. I asked the supervisor how she had seen such problems resolved in the past, she said she didn't remember. 

Then I spoke with XXXX including their specialist who said it was just a computer algorithm that executed the transaction, that there was no difference with other transactions that I had done without any fees through XXXX. I have been paying off Capital One as quickly as I can on a monthly bases incurring no extra interest fees. I'm including a copy of recent transactions. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report in XX/XX/2024 and noticed my name was not reported accurately. After XXXX letters were sent ( in XX/XX/2024 and XX/XX/2024 ) the information remains incorrect in my reports today. 
The consumer reporting agencies need to report all information with complete accuracy. I've attached a copy of my government issues driver 's license, my social security card and proof of address to this complaint. I am now requesting that you update my records showing my correct name as XXXX XXXX XXXX XXXX. My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also, please update and remove the XXXX XXXX  ( XXXX XXXX and XXXX ) whom I've no longer worked for. 

Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had a late payment on an account I was never late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report information to the best of their ability and with maximum accuracy. I have never been late for the account that I have included screenshots inside this complaint on the dates of XX/XX/23. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see attached.
Product: Credit reporting or other personal consumer reports

I am writing to seek your assistance regarding unresolved errors on my credit report that have negatively impacted my financial standing. Despite my repeated attempts to rectify these issues with the credit bureau, the errors remain on my credit report and they are greatly damaging my credit score. 

The payment history of XXXX XXXX XXXX XXXX XXXX XXXXXXXX erroneously shows a 60-day and a 90-day late payment from XXXX to XXXX on XXXX. I have always make payments on time. This is an apparent reporting error not only because I made payments on time but the data show does not make sense. There's no 30 days late payment on XXXX of XXXX, how can it be 60 days late on XXXX of XXXX? 

I have sent numerous letters to the credit bureau to correct these mistakes, requesting for investigation into this matter and have them removed from my credit history. Unfortunately, I have not received any communication from the bureau regarding the status of their investigation or any steps taken to rectify these inaccuracies. 

This lack of response and action from the credit bureau has left me feeling that my consumer rights are being neglected. Under the law, I am entitled to an accurate representation of my credit history. Therefore, I am reaching out to the CFPB to intervene and ensure a thorough investigation is conducted into these errors. I am seeking your help to have these inaccuracies removed from my credit report promptly. 

I appreciate your attention to this matter and look forward to your support in resolving this issue. Please find attached all the documents for reference. 

Thank you, XXXX XXXX
Product: Mortgage

My original mortgage owner filed for bankruptcy. Later, Chase said I was to pay them because they were the new owner of the debt. I went to the courthouse and ownership was not assigned to Chase. My name and the original mortgage company was on the deed. I contacted Chase about it and the sent me a letter acknowledging that they did not have Power of Attorney of my house yet they are trying to foreclose on it. I filed the paper work from the stating that at XXXX XXXX courthouse. In the meantime, I was denied at least 4 times for a modification. Now, chase has continually filed for foreclosure on my house. They want me to modify my loan with them, but I filed for bankruptcy and Chase purposefully did not reaffirm my debt then tried to foreclose because they did not reaffirm the debt. I went back to the courthouse and now Chase place an assignment on the deed, after they filed for foreclosure. In GA, assignments must be made before filing for foreclosure. I retained an attorney. He found know robo signed names on all of the assignment paperwork. My attorney no longer practices law but I do have all of my files. I do not have the money to hire another attorney, but Chase does not have nor have they ever had any legal rights to the house and are trying to force me out illegally. Also, most of this started with I applied for a mortification a few years ago. I was under trial payments, after I paid the trial payments on time, I did not receive any additional info from Chase. I called and was told to wait until I receive correspondence concerning the next steps. The next correspondence I received was when they filed for foreclosure. This has been going on for a few years. I need some type of resolution on this matter because Chase does not believe they have done anything wrong and I have already exhausted thousands of dollars trying to fight them.
Product: Credit reporting or other personal consumer reports

My credit report is still showing late payments on XXXX XXXX and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX Dear Sir or Madam : As of XX/XX/XXXX it is still displayed on all three of my credit report files, TransUnion, XXXX & XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my XXXX credit report. The items I dispute on the attached copy of the report I received.The information on XXXX XXXX XXXX Account number XXXX LISTED with a balance of {$93.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX, Thank you
Product: Checking or savings account

When I was using my online banking at usbank.com, I saw a targeted offer saying that " Redeem your checking offer ''. When I clicked the offer, I saw the offer says " Earn up to {$500.00} when you open a new eligible U.S. Bank checking account and complete required activities. '' ( Attachment XXXX ). So I went ahead to apply and was approved for the checking account. ( Attachment 2 ). I finished the {$500.00} offer requirement " recurring direct deposits of two or more that total more than {$5000.00} '' and did not receive the bonus. After several conversations with XXXX from US bank customer service, I was told that my account isnt illegible for the promotions " due to having a prior account within 24 months of account opening and receiving bonus within 24 months of account opening ''. I replied to XXXX saying that " I was targeted this {$500.00} offer from US bank in my online banking, and I was not aware of the 24 months requirement. I clicked the offer, the offer code was prefilled, and my account was opened as usual, without any kind of warning saying that I could not get the offer. If I was warned in any way or my application was just rejected, I would not try to complete the requirements. Now the requirements have been completed for a while, and I would request the offer to be honored. '' The reply I got from XXXX saying " while I truly wish I could say otherwise bonus are done systematically so, we dont have a way to override the system, and apply the bonus ... ''