23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Noticed two different banks it's XXXX XXXX bank and its Chase Bank I opened the accounts. I deposited money into both accounts no problem. I explained to them that I was trying to start my own little business and part of my business and I'm working with another individual who I can not name at this present time. But it was so the point of they were going to make donations, Charities, Investments into my in order for me to go and process and purchase the items that were needed to keep the company afloat. I did explain to them that there were charges on there and individuals that I did not know therefore I don't understand why they were going to try to return my income tax money that I received back to certain individuals that I had already explained to them what they had did. Just like now they are still holding my income tax my stimulus check I was supposed to receive I still not have received I have I am a single parent with XXXX kids and since XXXX up until now I'm going into XXXX I have not been able to afford to pay my bills taken care of what I need because they're holding my government money and my income tax Chase 's. As far as XXXX XXXX I explained to them the same thing and they decided they were going to close my account after I sent them a mugshot the individual that I felt was doing fraudulent activity on my account that called and said that they did not make a transaction into my account which come to find out they did and I was not aware of the record that this person had already had. Once I was aware I sent them a mugshot I sent information in there still choose not to open my account back up there still choosing not to release my funds and it's causing a major problem because I had invested in the XXXX she start to generate some money on my own and since Chase closed my account they have locked my XX/XX/XXXX account which I can't access funds from there I can't access phone from my XX/XX/XXXXbecause of the same thing that's tied and so I have four different accounts that I can not access nor access my money. I don't appreciate the rudeness that they gave me I don't appreciate the simple fact that they are charging me and withholding my money after they've already been notified of the circumstances they don't want to release the full information on these people to me like they should but they have no problem with giving these people my money that's where I have a problem with this app you're supposed to be protecting my account from fraudulent activity but you're locking me out of my account for me to even get my money when my income tax did post and land into the account Chase decided that they were going to hold my money wish there still doing now and not release my funds to me which was my funds versus going after the people that which is false they went into agreement with you before they even just deposited their money so I'm not
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I tried to order cable services from ( XXXX/XXXX ). And  received a voicemail stating that something came up. So when I called them back they told me that someone had service on XXXX XXXX in XXXX PA XXXX from XX/XX/2018 - XX/XX/2018 and the bill was {$1000.00}. I said this wasn't mine nor did I authorize this. So I had to submit a fraud/identity theft packet along with proof of residency. After submitting all the requested information I still am not able to get cable services from XXXX/XXXX. And now there's another address coming up on my credit/consumer report on XXXX XXXX in XXXX PA XXXX which also isn't mine. In the mean time I've had to lock my credit report with the 3 major credit reporting agencies. Please help me, I don't know what else to do.
Product: Debt collection

I've repeatedly asked them to stop calling. Someone tried to tell me I had to send it to them in writing but I explained that he keeps calling me while I'm at work. Today ( XX/XX/18 XXXX XXXX ) was the last straw when the called my work number. I've told them multiple times to stop calling me but they refused to and they keep harassing me.
Product: Mortgage

I 'm trying to refinance my existing mortgage four years after a Chapter XXXX bankruptcy discharge XX/XX/XXXX. We began working through a mortgage agency, XXXX. In this process, although not shown on our personal credit reports from any of the big XXXX credit agencies, a third party agency, XXXX XXXX, showed XXXX late payments to Citi Mortgage XXXX before our actual bankruptcy and XXXX after. We made all of our payments to them on time. We called Citi Mortgage customer service reps. They would n't talk with us because they though we were in a current bankruptcy process. They finally put us through to their bankruptcy department. They thought we had completed our bankruptcy XX/XX/XXXX and forward us to their mortgage group. They requested we fax them the details of our credit report and our payments. We sent them our third party credit report, our bank statements showing our payments and the corrected record of payments t later provided by Citi Mortgage, They then replied that they needed the actual source credit reports, not the one from a third party. We ca n't supply that because our yearly credit reports do n't show this issue. How do I resolve this issue?
Product: Debt collection

Again, this company did not provide information supporting this debt, I requested Assignment of Debt, Method of verification and Agreement with company for service. The steps involved in the verification process as I have the right to know the names, phones, address if the parties involved per the Fair Credit Act and they did not provide this information with the 5 days of requiring this account if valid. 

Please provide certified mail with receipt stating that I received this information as they stated they need to " GET VERIFCATION '' They should have this information before they even placed this on my credit report. 

Account : PENN CREDIT CORPORATION # XXXX
Product: Debt collection

I received a letter from CREDENCE over the weekend saying I have a collection from XXXX XXXX. I have never used their service, this is not my collection and this derogatory account caused my score to decrease. This account shows opened XXXX of 2020.
Product: Credit card

I could not pay my XXXX as I was in the hospital for XXXX  days. I paid the minimum as soon as back home and called on the XXXX and explained my situation. Also, I asked about the promotional offer date, she mentioned it will expire in XX/XX/year>. Now they charge a XXXX $ interest fee. Again, I called about the charges and promotional offers going to end in XXXX but they are telling me they closed my promotional offer because I missed the XXXX payment ( paid XXXX, due date was the XXXX ). 
They never mentioned any of the statement promotional offers ' end dates if you see the statement. I requested to waive the interest charge and refused to do the charge even sent so many emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I went on affirms platform and one of theyre merchants called XXXX was advertising a pair of mini XXXX XXXX XXXX said came no original box because they were from a outlet store and had red slash marks on inside boots tags for same reason well I had no idea that was a lie until I received the counterfeit XXXX  I took them to XXXX  outlet in person who confirmed they never sell theyre boots no original box or with red slashes on inside tags they also compared the boots I received to same exact ones they sell and showed me the ones I received have no serial numbers on inside tags and said all original XXXX  will have serial numbers on inside tags I tried returning these to merchant they said within fourteen days but I am perm XXXX I needed time to go to outlet store to confirm they were counterfeit I chatted with merchant explained I had confirmed them to be counterfeit and wanted loan cancelled and my payment made refunded and wanted to return them not at my shipping cost at theyre shipping cost since theyre fake they refused so I contacted affirm multiple times about this they refuse to cancel this loan also and let me return them they expect me to pay XXXX for fake boots tteyre are multiple other complaints on XXXX  from other customers who purchased boots from this merchant about them selling counterfeit XXXX  to my knowledge this is against the law I can not afford to pay fur counterfeit XXXX  if I knew they were knock offs I would certainly never made purchase and now affirm out theyre loan on my credit report telling me I still have to pay for them they and theyre merchant broke the law selling fake merchandise this is completely unfair to me as a innocent buyer
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 Customer Financial Protection Act. ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process 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 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having issues with unknown addresses that I never lived at keep reappearing on my credit file XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX OH XXXX, I believe it is a error and possibly another XXXX XXXX and Our files have been confused somehow to my file XXXX XXXX # XXXX, EXPERIAN Report number XXXX, XXXX  XXXX. I have attached at copy of my OHIO STATE ID for proof and verification.
Product: Mortgage

This is a new complaint and not a duplicate. 

On XX/XX/XXXX Caliber sent me the attached letter and payment history clearly stating that on XX/XX/XXXX I had {$2100.00} ( $ XXXX+ $ XXXX+ {$100.00} ) in my account and they failed to post it as a post-petition payment on my account. This triggered a lift of the automatic stay of my Bankruptcy which has made me incurr in additional Attorney fees and costs, economic and non-economic damages, and punitive damages. 

According to the recent XXXX ruling on XX/XX/XXXX in XXXX, Illinois at the XXXX XXXX XXXX United States Court House, XXXX XXXX was awarded {$500000.00} in compensatory damages, {$70000.00} in non-economic damages, {$12000.00} in economic damages and {>= $1,000,000} in punitive damages. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX, XXXX. led the litigation team on behalf of XXXX. 

My case is very similar in that in XXXX encountered financial troubles and defaulted on the loan in late XX/XX/XXXX. In early XX/XX/XXXX, XXXX XXXX attempted to foreclose on the property. XXXX filed a Chapter XXXX bankruptcy in order to stop a foreclosure and to catch up on the mortgage arrears on her residence. The plan of reorganization was confirmed by the court and XXXX began to make both her contractual mortgage payments along with her Chapter XXXX plan payments. XXXX 's mortgage loan was serviced by XXXX XXXX XXXX for XXXX XXXX until XXXX XXXX transferred the servicing rights to XXXX in XX/XX/XXXX. XXXX made all of her plan payments through the Chapter XXXX trustee and made every single mortgage payment directly to XXXX XXXX XXXX ( XXXX XXXX ) and subsequently to XXXX once XXXX took over servicing rights. 

The jury, after deliberating for approximately 7 hours, determined that XXXX breached its contract, violated RESPA for failing to adequately respond to XXXX 's Qualified Written Request, violated the FDCPA and committed both unfair and deceptive acts in violation of the Illinois Consumer Fraud Act. XXXX XXXX was awarded {$500000.00} in compensatory damages, {$70000.00} in non-economic damages, {$12000.00} in economic damages and {>= $1,000,000} in punitive damages. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX, XXXX. led the litigation team on behalf of XXXX.
Product: Credit card or prepaid card

I applied XXXX AMEX credit card beginning of XX/XX/2018, but the application was rejected because I had two new AMEX credit card within 90 days. After passing 90 days, I applied XXXX AMEX credit card on XXXX, XX/XX/2018 and the application was approved. Before applying the credit card, I checked multiple times whether I am eligible for welcome bonus of the XXXX AMEX card. I checked it over the phone and chat service. The AMEX told me that " yes, you are eligible for the welcome off ''. After the card was delivered, in order to make it clear before completing required spending for the welcome bonus, I wanted to check whether I am eligible for the welcome bonus of the XXXX AMEX, so I called to AMEX. They told me that " No, you are not eligible for the welcome bonus and it might be due to system error. We will fix it within 3~4 weeks ''. I chatted withe them after the 3~4 weeks, they told me that " You are not eligible for the welcome bonus because you mis-used welcome bonus ''. They are changing their words. Please fix it.
Product: Debt collection

I lost my job due to COVID, I have had an Express Clothing Store Credit card for years and now very behind on payments. COMENITY BANK has not only tried contacting me but they are also calling my mother-in-law, whom lives in a different state not listed on any of my financials. My XXXX year old son, during school hours. They are not only requesting to get my contact information or questions about my whereabouts, they are telling them details of my debt and the legal implications if I dont call. I never gave them permission to discuss anything with anyone. They are leaving messages as if they were calling my phone..messages directed to me and not them.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX  XXXX Balance : {$3400.00} XXXX XXXX Balance : {$760.00} XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Credit card or prepaid card

greetings my name is XXXX XXXX XXXX XXXX and onXX/XX/2019 I attempted to apply for a new credit card because I frequently watch my score and I felt I was good. I then was denied and when i contacted American Express I was informed that there was an issue. I was told that I needed to fax in a copy of my social security card and divers license to the Customer Service Analyst Unit and when I asked why what was the reason I was told that Amex has my last 2 digits of my social security number in their system was incorrect. I faxed in my info as requested and questioned my last decision in which I applied for a new card so what social security number was used to run my credit. I was then told oh we didn't run your credit because we have you in our database already. " nonsense to me ' ... then I applied for a personal loan at XXXX XXXX XXXX and was also denied. they stated my credit score was low. now I understand clearly that there are only 3 credit bureaus. but I use XXXX  XXXX a credit monitoring system to stay on track and was told that I needed to purchase their credit monitoring system cause it was more accurate and the proof I had that was valid from XXXX  XXXX  wasn't valid or acceptable to amex. id like some assistance cause I been with XXXX  XXXX for a while and haven't been steered wrong. I feel amex is covering up their huge mistake that most likely would show more wrongful errors reported to the credit bureaus causing me headaches. please help as when I send your office my proof you will see I've been in the process of rebuilding my credit. 
thank you for your cooperation in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

The school cited multiple reasons for closing, includingincluding declining numbers of XXXX students nationwide and a growing negative characterization of for-profit education. 
received notification on Wednesday evening, XX/XX/2016, that XXXX XXXX XXXX was permanently closing its doors at all XXXX campuses. 
XXXX loans were taken out from XXXX  and they are now called EdFinacial Servicee and U.S. department of Education. 
Contacted all 3 services providers and department about the matter also contacted all 3 credit bureau 's and this matter. 
Nothing has been resolved as far as to removing this account.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXXXXXX 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Receivable Mgmt Group has refused to validate the debt that they have stated that I owe. I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I have no contractual agreement with Receivable Mgmt Group The lack of validation of any debt owed to them is in violation of 15 USC 1692 Sec.809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, Receivable Mgmt Group is practicing UNJUST ENRICHMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 Equifax was purportedly made aware of a breach of 143 million customer 's SSN # s, addresses, credit card numbers, drivers license numbers and other sensitive personal information. Rather than acting immediately to make consumers aware of this breach, they waited over a month, dumping roughly $ 2M in stock before publicly announcing the breach. Not only should Equifax executives be criminally investigated for insider trading and securities fraud, Equifax should be held liable for negligence to properly protect extremely sensitive consumer information they obtained without consent. Furthermore, they should be held liable for all fees and expenses incurred as a result of this breach - fees paid to freeze credit, fees paid to monitor credit, legal fees incurred, etc. Equifax 's offer of 1-year free credit monitoring is not only a way to reel in customers to a recurring service, but a laughable solution to this breach. This information can be used against consumers for the rest of their lives.
Product: Credit reporting

TRANS UNION DENIES ME PIN NUMBER OF NYS SECURITY FREEZE.
Product: Vehicle loan or lease

Decided to visit local owned dealership XXXX XXXX XXXX XXXX in XXXX county Texas to purchase a XXXX on XX/XX/XXXX at XXXX. 
When arrived explained pre approval amount {$30000.00} from personal bank, requested purchase order for Capital One Auto Finance Group. Sales representative then mentioned the vehicle requested to purchase was not located on their lot for sale. Therefore pre approval amount would not qualify for a brand new vehicle, was not enough to cover additional fees. Then was told to choose a used vehicle just one year newer then my trade in to  mention they would not be able to give me enough value for my trade to purchase a second vehicle loan since I had a pre approval, then they mentioned to shop for a lower rate through their financial leads & organizations that they were affiliated with. After 2 days and several hours later after closing time XXXX on XX/XX/XXXX I only qualified for XXXX XXXX XXXX with XXXX miles to approve lower interest rate. They gave me the keys, I signed a purchase contract agreement after I was given an alcohol beverage to com me down since I seemed stressed about my current auto purchase. I then initialed my paperwork, was not given a customer copy, after 4 days later made appointment with owner after XXXX  complaint, received an apology, was told paperwork was as written and final, received printed copy, disagreed with the interest rate 12.7 % after approved for 9.6 %, was mentioned from owner additional finance charges for service contract, dent repair contract, preservation package, and additional security package. Now I have an auto loan that does not fit into my budget with no room for negotiations ... ..please advise? Please notify consumers to take precautions that this dealership might not be able to abide by per approval loan agreements.
Product: Debt collection

The attached collection never proved any right to collect a debt, which requires according to the Federal Trade Commission, Consumer Financial Protection Bureau and my rights under the Fair Debt Collection Practices Act not only a statement that the collection agency or debt buyer is trying to collect on a debt. but there must also be given to the consumer a sign off statement from the original showing documentation that the debt collector was assigned permission to collect a particular debt, but since the US Supreme Court decision on XXXX XXXX XXXX XXXX XXXX XXXX, there are hundreds of collection agencies now identifying themselves as debt buyers. This decision basically throws out my rights under the Fair Debt Collection Practices Act completely. There is a big problem with collection agencies now classifying themselves as debt buyers. The first problem is that almost all states are now requiring separate licensing for such a designation. Most debt collection agencies are avoiding that requirement nationwide. In addition, there must be a written statement from the original debtor showing proof of new ownership. A simple letters from a debt collector will not stand up in any state court. The attached collection/debt ownership is invalid based upon the fact that in most cases a collection agency can not show proof of assignment or new debt ownership. Almost all credit card ownership has been sold to securitized pooling agreements. This is factual which means one thing, how can the original procurer of a debt assign collections or new debt ownership without approval from the original securitized trust without buying the debt back itself. The simple math proves otherwise. This letter of the right to collect either on collection assigned rights or new debt ownership is invalid based upon the disconnect of rights. Accordingly, the collection is invalid and can not have validity unless its given back to the original debt procurer. I am not disputing the obligation of debt. The collection agencies have already abused the XXXX decision causing billions in financial damages to the American consumer. This collection is in essence invalid and my file should be purged and any reference to a collection on my credit bureaus must be deleted permanently.