23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I used checks sent to me in the mail from Chase to conduct a balance transfer from my XXXX XXXX card to my Chase card. Chase almost immediately billed me for the amount and XXXX XXXX says they never received anything from Chase. I have called numerous times and spoke to numerous people on both sides and was told last Friday by Chase that they would " expedite '' it. I still owe {$5700.00} to both cards. Chase will not verify that they sent it to the correct account. Of course Chase has charged me a fee too.
Product: Student loan

Hi, This question is regarding the lawsuit that the CFPB made against XXXX XXXX XXXX in XX/XX/2017. I had many default judgments with them and have been paying a company out of Utah called XXXX XXXX for the wage garnishments. I had asked them why they are taking payments with this lawsuit because I thought they were not allowed to pursue judgments while this is being investigated. I was told I had to pay anyway. I believe that these garnishments were all made after the statute of limitations in the state of Utah. I am so strapped paying them and my federal loans that I cant afford a lawyer. I believe that they have been taking my payments when they shouldn't be. Can someone let me know whether they can legally continue to take my money at this time? I had no idea of my rights when this went to court and no one at XXXX XXXX or XXXX XXXX XXXX will answer my questions regarding this lawsuit. I would appreciate any information that would shed light on my predicament or even what direction I'm legally able to take to get this taken care of. I would be so appreciative of any information you could grant me. I am barely surviving trying to keep afloat with the ridiculous payment they are forcing me to pay to avoid garnishing my wages and bank levies. 
I can be reached at XXXX or are ( XXXX ) XXXX. Thanks so much for your time. 

Sincerely, XXXX XXXX
Product: Mortgage

Discovercard services teams have always been GREAT to work with. The banking side for CDs has also been a pleasant experience. So, when I saw a no cost, no fee home equity offer from Discover Bank, in XX/XX/XXXX, I decided to apply to pay off an existing loan for the lower rate offered by Discover. In hindsight, I wish I had not started this process with them. The process has been difficult, disorganized and confusing. There are emails, phone calls, paper documents that come in the mail, and the process is not consistent or synchronized. I have voiced my views on how they could have made the process easier by upfront inquiries ( for example, self employed and living trust accounts require substantially more information in the application process ). But, they were generally not interested in my observations. Adding insult to injury, I have in fact had to pay at least one of the expenses they incurred, a {$30.00} payoff fee charged to me by my current lender. It's now XX/XX/XXXX, and I still don't have final documents for the loan though it sounds like it may have been approved by someone there at DIscover ....
Product: Credit reporting, credit repair services, or other personal consumer reports

In light of the hack of XXXX, I want to freeze my credit report accounts at the three main credit agencies. I was able to successfully freeze my credit reporting accounts online with two of the agencies ( XXXX and XXXX ).  However, when I entered the same information at the Experian website, I was informed that the freeze could not be put in place based on the information submitted. The companies should have consistent systems that allow for a freeze to be placed on an account online without having to go through the extensive process of sending information by mail. 

As an aside, the placing of a freeze on anyone 's accounts and the release of the freeze should be free as the data stored by the agencies is personal to the individual and should be controlled by the individual whose information is being distributed.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX  XXXX ....
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX won't cease contacting me after I ask Ask them to cease all contact per 15usc 1692 c
Product: Credit reporting or other personal consumer reports

I was completely taken aback when I saw inaccurate accounts listed on my credit report this morning, and I have no explanation for how they got there. I check my report consistently, but today, everything was out of order. I thought refreshing the page would fix what I assumed was a glitch, but the errors remained. Thats why Im asking that my documents be fully reviewed so I can finally put this behind me and stop living in constant worry.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a report from XXXX for the amount of {$710.00} as debt which is being double reported at XXXX XXXX XXXXXXXX for {$710.00}. I have filed multiple disputes and they have not been resolved.
Product: Checking or savings account

On XX/XX/year> around XXXXXXXX XXXX PST I received alerts that my debit card was being used for withdrawals. I checked and saw I had my debit card on me and immediately froze my card but the assailant had withdrawn {$2000.00} across 12 separate withdrawals within minutes. None of these withdrawals were flagged by my bank. I IMMEDIATELY called my bank and let them know of the fraud and opened up a dispute. They let me know they would begin an investigation and get back to me with more information. On XX/XX/year> I received a status update from SOFI stating that they did a thorough investigation ( which seems unlikely in less than 24 hours ) and claimed none of the charges were fraudulent. I asked for further information on how the investigation was conducted to which I have yet to receive a response.
Product: Credit reporting or other personal consumer reports

XXXX  credit report. Once inside his credit history he noticed multiple items dating back to 2015 which he says do not him. XXXX provided the following information : XXXX XXXX XXXX Paid Never late Navy Federal Credit Union status account charged off Navy Federal status paid close never late 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

I financed a XXXX XXXX from XXXX XXXX with Auto Acceptance. In XX/XX/XXXX the car was totaled by someone with XXXX insurance. My Collision declared the car a total loss so a check was issued for the value. I also had Gap which should have covered the remaining. Auto Acceptance is still charging me the monthly payment of {$450.00}, reporting to the credit bureau, and sending emails constantly. This can not be right and/or allowed.
Product: Credit card or prepaid card

On XX/XX/2018 I submitted a billing dispute for the XX/XX/2018 charge of {$330.00} from the XXXX XXXX XXXX XXXX. My reservation was made for a total of {$160.00} and upon arrival, this rate was verified by the hotel at which time I provided my card for authorization. However, the hotel decided to change my rate after I had already checked out of the property. I provided Chase with a copy of my original reservation showing the verified charges at the time of check-in as well as a copy of the XXXX Terms and Conditions highlighting the documents required qualify for my rate. The required documentation was provided and verified by two employees at the time of check-in. No mention of a rate change was ever made during my stay, thus the merchant violated the terms of sale and changed the amount charged after I departed the property. 

Despite providing this documentation on XX/XX/18 and again on XX/XX/18 at the request of the Chase dispute team. I originally filed the chargeback only days after the charge posted well within the allowed timeframe for identifying billing errors. However, Chase decided to find the claim invalid on the basis that the chargeback timeframe had already passed. This denial reason was due solely to Chase 's violation of 1666.  Correction of billing errors, which requires an investigation and resolution within two billing cycles. However, Chase 's denial was provided after 5 billing cycles from the date the dispute was filed.
Product: Debt collection

These inquiries were not authorized by me. I am unaware of these collections. My information was exhibited in the XXXX and XXXX XXXX XXXX XXXX, and Equifax data breach. I am a victim of identity theft. 

Collections XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate and unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as falling to forward consumer-provided evidence to furnishers, accepting unreliable response, and failing to adequately notify consumers of disputes outcomes. Theses failures align with my experience, where Experian has nether corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I requesting immediate corrective actions to remove or amend the disputed account, as Experian 's inaction violates the federal law and my rights as an consumer.
Product: Credit reporting or other personal consumer reports

Under federal law, you have XXXX ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  ( XXXX ) days of the completion of your investigation. Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  ( XXXX ) days of the completion of your re investigation.
Product: Checking or savings account

On XXXX XXXX as I was depositing money into my checking account I noticed that my account funds were far lower than I expected. I immediately reported to the bank that there were funds missing from my account. A bank representative reviewed my account with me and we identified charges which I did not make on my debit card. 

The bank said they were cancelling the card, effective immediately, and issued me a new card. ( More fraudulent charges appeared on the account between XX/XX/XXXX and XXXX which amounted to {$960.00} ) I sat down with XXXX Bank assistant Manager on XX/XX/XXXX and together we filed an online fraud report with the home office which included the fraudulent charges dating back to XX/XX/XXXX. On XX/XX/XXXX I received three letters from the bank office denying fraudulent activity on the card. 

I filed a police report with the XXXX County Police Fraud Department with Officer XXXX, ID # XXXX, Case # XXXX on XXXX. 
I notified the FTC and filed an Identity Theft Report. 

I mailed a third request to the bank with copies of my statements and was again denied. 

I understand that the bank is responsible for all charges dating back 60 days from the date they were notified of the fraud minus XXXX. The Bank has denied any responsibility at all. If this information is correct, I should be reimbursed at least {$9900.00} minus the XXXX. This amount represents the total fraudulent charges made to my account during those 60 days. In addition, I should be reimbursed for the additional {$960.00} of charges made after the debit number was cancelled at the branch. 


Your attention to this is greatly appreciated. 
Thank you. 



XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$150000.00} XXXX XXXX Balance Owed : {$700.00}
Product: Debt collection

All correspondence and attempts to collect this alleged medical debt from : Stoneleigh Recovery AssociatesXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Timeline : Stoneleigh Recovery Associates ( SRA ) XX/XX/XXXX : Two ( 2 ) notices looking for payment of {$60.00} each ( total {$120.00} ) two separate account numbers and two separate SRA file numbers. One notice had my address written incorrectly. 
XX/XX/XXXX : I sent, by registered mail, request for validation of debt, which included request for the following information as required by the FDCPA, 15 USC 1692g Sec. 809. 
XX/XX/XXXX : SRA mailed notice to me they had received my request for verification and were awaiting information from their customer. Letter also stated there would be no attempt to collect on this account during this time. 
XX/XX/XXXX : SRA mailed partial verification of debt ( four pages including cover letter, page one : cover letter, page two : notice of physical address of Massachusetts office, page 3 : copy of a XXXX XXXX from a doctors office, page 4 : explanation of patient notes, with no name or account number on it. 
XX/XX/XXXX : SRA mailed one notice looking for payment of {$60.00}. Address incorrect, different account numbers and file numbers from previous year ( see above ). 
XX/XX/XXXX : I sent, by registered mail, request for validation of debt, which included request for the following information as required by the FDCPA, 15 USC 1692g Sec. 809. 
XX/XX/XXXX : SRA send me notice they received my request for verification of debt. Included in letter is the statement : During this time SRA will not attempt to collect on the account. 
XX/XX/XXXX : SRA mailed me four ( 4 ) notices of debt, ( all different account and file numbers, address incorrect ). These notices were looking to settle these four new accounts for less than their alleged original debts. 
XX/XX/XXXX : I sent, by registered mail correspondence to SRA which included a copy of the notice that said they would not be attempting any collections until previous debts were verified ( which I never received ) and requesting verification of the 4 new alleged debts.

On your site I noticed that SRA has engaged in activity similar to the one described by me above. I put in my correspondence I would be filing a complaint with this agency and the Massachusetts Attorney General. I may also seek private counsel to pursue monetary compensation for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised I am not disputing the accuracy of the public record. I want the public record deleted because the FCRA Laws not being followed by these companies below. In Accordance with the Fair Credit Reporting Act. These Cooperation 's below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( XXXX XXXX XXXXXXXX XXXX ) ( XXXX ) XXXX ). 15 USC 1681 section 602 A. States I have a right to privacy. 2 ). 15 USC 1681 section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions. 3 ). 15 USC 1681c Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( XXXX ) Cases under title 11 or under the Bankruptcy Act ( XXXX  XXXX included in the Bankruptcy Act ). Please see attached companies who violated the law and them explaining how they broke the laws. In addition, I have attached XXXX the database where my personal information was obtained from. XXXX stated that don't share personal information to third parties. XXXX XXXX and XXXX are Third parties. You are committing fraud and Infringing my privacy Under the FCRA.
Product: Bank account or service

Suntrust Bank advertised a bank account opening promotion XX/XX/XXXX. I opened an account under that promotion and after I thought I have completed all the requirements, I sent a secured message on XX/XX/XXXX to customer service asking for a review of the Promotion Bonus and seek confirmation whether I hit all the requirements to receive the {$200.00} signup bonus. On the same day, a rep replied to my email and stated that I am eligible for the Promotion Bonus and should expect to see {$200.00} within 8 weeks. On XX/XX/XXXX, I checked my account and sent another email to customer service for a status on the promotion bonus. A new rep responded, apologized for the response provided by the previous team mate, and her review concluded that did not qualify for the promotion bonus. XXXX additional emails and XXXX phone call later to appeal and request further review as I was relying on wrong info provided by the rep on XX/XX/XXXX, a new bank representative called me on XX/XX/XXXX to convince me there were no errors on the bank 's part based on her review and interpretation of the secured messages. She stated that because the XX/XX/XXXX rep did not directly answer my question whether I qualified for the bonus, her conclusion was Suntrust did not make an error in representing that I qualified for the bonus on XX/XX/XXXX. Furthermore, based on her interpretation of the secured message, the XX/XX/XXXX rep was merely provide a general comment ( not a response to my inquiry ) that if I meet all the listed requirements, I will receive the bonus. Now that the time window to complete the requirements are over, I am no longer eligible for any bonus no matter what. 
I feel wronged by Suntrust and its customer service representative. I asked a specific question on XX/XX/XXXX to confirm qualification and seek guidance from Suntrust to ensure I met all the requirements and complex terms and conditions of the {$200.00} account opening promotion. I trust Suntrust to review my account and provide a yes/no response and provide assistance to help me meet the qualifications if it was a no response. Instead, Suntrust interpreted the XX/XX/XXXX rep 's guidance to me differently to purposely deny the promotion bonus. There was no recognition that the XX/XX/XXXX failed to provide a proper answer to my question and possibly mislead that I qualified for the promotion. Suntrust has no intention to pay the promotion bonus that was advertised and took measures to prevent customers from meeting the qualifications to engage in deceptive business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX XXXX They reported negative information to all of the credit bureaus as my payment being late after I had called them and told them I would pay one month  minimum and then in a few days pay off the entire debt which was {$14000.00} on one card and {$4800.00} on the other. I did pay off both credit cards in full a few days later. However, they had sent negative information to the credit bureaus regarding this account that I have had for over 21 Years. 
During this process the credit bureaus lowered my credit score by 100 points, then XXXX, came back to me claiming that they are taking the card away from me and the credit AFTER I paid both of them off in full myself not through another company etc.. Then when asked to remove the negative information they placed on the credit bureaus information XXXX XXXX XXXX ask me to apply for more credit, which would be at a much higher interest rate because the 'terms ' of my old card that I used and paid off several times since 1996 was not available anymore. 

I then received a letter from XXXX claiming that their decision was made by information they received from XXXX XXXX, however, when contacting XXXX XXXX they claim that they created and dropped my score due to the negative reporting from XXXX and PNC. 


2. PNC BANK- Same thing, I called and told them I was going to pay off the entire card in a few days. They then reported negative information to the credit bureaus and after I paid my credit the negative still stays on my report making it harder to get loans in the future etc ... My credit a year ago was XXXX dropped to XXXX and then down to XXXX AFTER Paying all of my debt at 3 banks totally over 40K. 

3. XXXX XXXX I called and they are the ONLY bank that actually reported that I PAID the credit off in a timely fashion to the Credit Bureaus and so nothing negative was reported. 

I feel like the Bureaus and the Banks are working together to make consumers credit worse so that interest rates go up. They both blamed each other and neither would remove the negative mark off of the credit report when asked to do so with proof that my credit debt was at almost XXXX.
Product: Mortgage

I was approved for XXXX funds in XXXX for XXXX payments of {$100.00} for my home equity line of credit. Last payment Flagstar posted to my account from XXXX was in XXXX, and nothing since then. XXXX is sending the payments every month, but Flagstar is holding the money and never wrote an explanation to what is going on and why.
Product: Credit reporting, credit repair services, or other personal consumer reports

- FAILURE TO LEGALLY VERIFY - WILLFUL NEGLIGENCE I have contacted this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. 

They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. 

This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.