23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was checking rates to see if I could save money on my student loan ( which has a relatively low outstanding balance ) and was referred to Commonbond. After discussing their loan to get rates for a few minutes it became obvious that they were NOT ABLE TO COMPETE with my current rate, but I was really disappointed to hear " we don't offer our services self-employed individuals ''. I told the representative that I had all of my schedule C tax returns going back 10 years proving more than adequate income along with current proof that my income situation has not changed - in which she replied " we've chosen to not do business with self employed individuals at this time ''. I feel this is a generic move which is obvious discrimination against self employed individuals and has prompted me to NEVER attempt to do business with this bank moving forward. I advised the representative that the bank was discriminating against an entire group of individuals without basis and her manager called me shortly after. She told me they were not discriminating, but chose not to do business with self-employed. The fact is I have an 800+ credit score and an outstanding D/I ratio ( which is why commonbond couldn't compete with my current rate to begin with! ). All of this is easily documented because the IRS knows a XXXX of a lot more than Commonbank. They provided this information to me with NO FINANCIAL INFORMATION FROM ME. I believe it is important for every bank to NOT MAKE JUDGEMENT-BASED DECISIONS WHEN IT COMES TO LENDING. This is the same exact behavior that leads to denying minorities loans. What exactly is the difference between refusing my refi without any financial proof - just because I'm self-employed and refusing my refi without any financial proof because of what I look like? COMMONBOND IS A DISGUSTING BANK THAT MAKES SNAP DECISIONS WITHOUT LOOKING AT ANY NUMBERS. They should be ashamed of their policy and I'll be spreading the news that this bank discriminates regardless of how much money people actually make! Self employed people typically have to work twice as hard to pave their own way - just to get this IGNORANT response from SOME banks.
Product: Credit card or prepaid card

I called XXXX to ask why I was getting and bill back in XX/XX/14. Reported the account as Fraud and even stated the address that is on the billing address is incorrect
Product: Checking or savings account

Hi CFPB, I applied for a business checking account with XXXX Bank upon which, after maintaining a {$5000.00} average ledger balance for three months and performing 20 debit card purchases, I would receive a {$200.00} promotional bonus. I have not yet received this bonus after nearly six months and I would like to request your help to obtain this, as PNC has not been helpful in responding to my inquiries nor have they credited my account. 

Thank you, XXXX
Product: Credit card

JP Morgan Chase reported inaccurate payment information to the credit bureausXXXX, XXXX, and XXXXmaking it seem that I have more late payments on my account than I actually do. My financial situation was severely impacted by XXXX, and during the difficult period from XXXX to XXXX, I struggled to make payments, facing the threat of homelessness until my husband secured employment. To manage my debts, I joined a debt cancellation program aimed at helping me pay off my obligations to JP Morgan Chase. 

The documentation reveals discrepancies in the reported payment months : while JP Morgan Chase reported payments for XXXX, XXXX, XXXX, and XXXX of XXXX to XXXX, XXXX and XXXX recorded payments for XXXX, XXXX, XXXX, and XXXX of the same year. Each credit bureau received a direct refusal from JP Morgan Chase to remove these inaccuracies. Despite my efforts, including sending goodwill letters and making phone calls requesting corrections, the bank has consistently denied my requests. 

I regularly check my credit reports and dispute inaccuracies whenever necessary. I have expressed the urgency of my situation, as the existence of these late payments could hinder my chances of securing a mortgage for a home purchase. In light of JP Morgan Chase 's continued refusal to rectify their reporting errors, I have decided to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) to ensure appropriate action is taken. Additionally, I am making regular payments to demonstrate my commitment and appeal for reconsideration, despite the error originating from the bank.
Product: Credit reporting or other personal consumer reports

I am sending this to you today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve these problems. 

I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 
I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 


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 dont thi k they took more tan my tax retuen XXXX $ but i nees an bank account
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed inaccurate or erroneous information on my credit report with all three credit bureaus XXXX, XXXX  and Experian. It has been __ days and I have still not received any investigation results from any credit bureau. I included a copy of my ( drivers license and social security card ) as instructed. I read online that the credit bureaus have 30 days to respond to an investigation and they have not done so.
Product: Money transfer, virtual currency, or money service

I am filing a complaint 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 proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 21 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I see an account that was not authorized by me and a collection that does not belong to me. I have contacted the police and reported this as fraud and was told to follow up with you guys. XXXX XXXX XXXX is on my credit report seeking a {$0.00} collection for an account I have no knowledge of. I have never done business with XXXX XXXX XXXX. The credit report says it was opened on XX/XX/2020, and acct number is XXXX. Also, my XXXX  has a different amount to be collected on it, this is fraud. I request an investigation in writing, and a return receipt requested from the credit agency.
Product: Credit card

There was a small charge on my Banana Republic Credit Card that I never received a bill or a statement for and was reported as a hit to my credit score. When I finally received notice that I was severely overdue and had been reported, I paid the charge in full and cancelled the card. I work hard to maintain my credit score and do not want it to be damaged because of a charge I was never properly informed of. The delinquent amount was for less that {$50.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX, and Transunion on XX/XX/XXXX. It's been well over 30 days and I have not received a response to remove the following credit inquiries from my credit report. 
According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Transunion have 30 days to respond to my dispute. 

Please investigate and remove these inquiries from my credit report. 


XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Credit card or prepaid card

On  XXXX   XXXX     2017  I had a balance with    XXXX   XXXX   o n my  XXXX  store card charge account of {$560.00}. I logged into my online portal to bring up my account and paid off the balance. You are given  three  options for paying off your balance : Pay of balance, pay amount due, and other amount. If you select " Pay off balance '' or "  Other Amount ' ' then it will NOT allow you to type in a greater amount than what is currently shown on the account.     I made a payment of {$560.00}. A month later I received a bill for {$10.00}. Ok I get it, residual interest. On top of that they also charged me a {$2.00} minimum interest charge.     I have tried calling them in the past. I realize this is minor but when you call them you are greeted with a phone tree that after you tell it your account information just pulls up your statement and reads the entire thing to you fo r fifteen  minutes before it will let you speak to a cus tomer service representative. Once you talk to a CSR t hey will give you the SAME amount due. That is assuming you can understand what they are saying because of course their call center is outsourced to  XXXX . They do not know the residual interest amount either!     My problem is there is no way to avoid the residual interest charge. They wont let me overpay the amount online or over the phone.
Product: Checking or savings account

This account was opened on XX/XX/year> On Wednesday XX/XX/XXXX I went to my branch to withdraw some cash and transfer a large amount ( {$45000.00} ) from my checking to my savings. On Sunday XX/XX/XXXX, I went to use my debit card on line for a small item and was declined. After several tries, I went to the bank webpage and both my checking and savings accounts were at XXXX balances. Due to it being a Sunday, I tried to call customer service call center and all they could tell me was that the accounts were closed on Thursday XX/XX/XXXX due to a missing signature ... XXXX XX/XX/XXXX I drove to the branch ( which is a XXXX XXXX XXXX from me as XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and the branch manager was not in but I did speak with a Retail Relationship Banker and after explaing to him the problem, I requested to know where was my money. He made a call and told me that the money was mailed out to me. I " never received a call, text, or email regarding what happened and then found out that they had mailed the check to my physical address where I " Do Not '' receive mail. I only receive XXXX and XXXX XXXX. When I signed up for the account in the branch I gave my mailing address ( which is a XXXX XXXX XXXX And advised them of the mailing situation. It was written under the mailing address area. I asked the Representative to request a stop payment on the check and issue me one here at the branch. I was told that if they do a stop payment I will have to wait 30 to 90 days for another ... I was also told that the manager of the branch would be in tomorrow and he would be calling me. On Tuesday XX/XX/XXXX, The branch manager did call me in the am and informed me that he was waiting for a call back from higherups to see if the policy could be waived for this particular issues as I had {$980.00} in my checking account and {$44000.00} in my savings. He said he would call back later and never did. On Wednesday XX/XX/XXXX I called at roughly XXXX as no one called backed as promised and said that they do not send mail to XXXX XXXX XXXX and that is why it went to the physical address... He then told me that they can put a stop payment on the check after 10 business days from date of issuing which would have been Thursday XX/XX/XXXX. Meaning I should be able to pick up my check on Tuesday XX/XX/XXXX. I became very angry at this manager over the phone and raised my voice with a curse word since I was not getting any straight answer since Monday XX/XX/XXXX. I tried to call back as the manager hung up on me and they would not pick up the phone so now I am asking you for help. First they close the account in error, then they mail out 2 checks to an address that will never receive the letter, so at this point the checks are lost and could very well be picked up by someone and cashed. No one ever called, emailed, sent a letter notifying me ... '' NOTHING ''! BUt they still will not issue a check earlier for me even though they caused this major issue.. I am needing a voice in this for assistant and I appreciated all you can do. THank You XXXX XXXX
Product: Prepaid card

I had an American express sevre card.i have been recievng my paycheck on it then one day I get up and check my account and someone had went on a little spree with my money so i called american express and report what happened.tbe lady on the phone said that they had to look in to it and I should have my money 2ith in ten days.the next day they sent me an email the said I lost.so I called and the person was really rude and said we closed your account and that they would Mail me a check for the remaining amount and hung up on me
Product: Credit card or prepaid card

I was trying to pay off the balance in a lump sum settlement or get a lowered interest rate due to losing my job from covid-19 layoffs. After a month of not getting answers via emails, a chat system that was perpetually down, and an inability to get through via phone, I was told by managerial staff that there were no options for me. 

My care credit card gained interest at a 26.99 % interest rate for the month while I was trying to get a reply. I asked if they could at least work with me on refunding that amount accrued and was told there was " nothing they could do. '' I was also told that I could not apply for a reduced interest rate because it was " no longer within the promotional period '' of the purchase. 

This company has issued many letters indicating they will help people affected by covid-19 and yet they were unable to even respond in a timely manner to my basic inquiries. They also have not clearly posted the parameters anywhere that I could find to get my questions answered on my own. 

I am jobless, XXXX, was XXXX in a XXXX XXXX  last fall, and live alone due to an unfortunate XXXX XXXX situation I had to escape from. Any help is much appreciated. I can't be expected to pick up the slack on a company that isn't able to offer basic customer service as is posted.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX  XXXX., XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX FCRA violations : payments never late XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I have several Hard inquiries as well as four closed derogatory accounts that I have no knowledge of and certainly did not authorize to be placed on my consumer report. I have filed a report with the FTC and I have sent letters to the " creditors '' directly and have had no response. I am filing a report with the CFPB for further assistance Hard Inquiries : 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 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  Thank you for your assistance in helping me resolve this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with FEDLOAN and XXXX XXXX XXXX, XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, FEDLOAN and XXXX XXXX XXXX, XXXX with no successful resolution. XXXX  and XXXX   were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Checking or savings account

I bank with Fifth Third Bank. Approximately six replacement debit cards were issued the past year due to unauthorized charges to my checking account. XX/XX/2021, my account was closed and another account ( different account number ) was opened. Fraudulent charges are presently reoccurring. Today XXXX, I received a call from XXXX XXXX a fraudulent charge on XXXX. Fifth Third has again deactivated the debit card, sending a new one. Today a credit freeze request was requested to XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

Unknown : XXXX
Product: Debt collection

I was being charged for equipment I returned in XX/XX/XXXX to XXXX. I called XXXX stating that there was dept in the amount of {$1600.00} for the equipment on my Credit Report. The representative saw on my account that they received the equipment. She started a case to let the dept collection agency now that the account is at a {$0.00} balance, and that they should have reported a dept on my credit report. My case number for XXXX is XXXX.
Product: Credit reporting or other personal consumer reports

Hello, This letter is a formal complaint that all three credit bureaus are reporting inaccurate and incomplete credit information. I respectfully requested to be provided proof that these debts/credit were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized debt/credit must be deleted from the report as soon as possible. 
On XX/XX/, I submitted a certified letter to all three credit reporting agencies due to discrepancies and inconsistency in the reports. The certification receipt confirmed all three did receive my letter requesting them to verify my disputes. 

List of accounts disputed : 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 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 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 XXXX XXXX XXXX Equifax 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 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: Credit reporting, credit repair services, or other personal consumer reports

Obviously, everyone knows what happened to the breach at Equifax. It took almost two months for them to make it public. When I checked their site it said my info may have been affected. Now I find out that several executives sold their stock in the company before reporting the breach. What is wrong with this picture? The company should be shut down for mismanagement and insider trading.
Product: Debt collection

I am beyond exhausted with all my efforts to resolve this matter with ability recovery for a # of months Ive been back and forth trying to find a solution to have this account remove off my consumer report. I have no response back from any of my corresponders within all departments. Ive been advised by my attorney to file a suit and sue for for damages that Im entitled to under the FCRA. I prefer to work directly with this company in resolving this issue that will result in removal of this account off my consumer report. I have no choice but to sue should I find no response once more after this complaint, this is my final attempt. I will therefore move forward with my supporting document. Ability recovery has this account # on this report that I have absolutely no knowledge of. This has been a complete devastation to my entire family and myself due to fact this has held up an entire mortgage process having us nearly homeless. Please assist me in the aggressive removing of this account.