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

I deposited a check in Chase Bank on XX/XX/2023 in my business account. I contacted my customer and the my customer said that they had already paid the money and their bank showed that Chase had received the check paid by my customer in full on XX/XX/2023. I also confirmed that Chase had got my money. The bank put a hold on my account and froze my money and asked to do a check verification. I did not hesitate to cooperate with them for this certification. At the beginning, Chase asked me for bank authentication and did not accept the phone number provided by my customer, and said that this number could not be authenticated by Chase system. Both my customer and I felt very absurd, because this number has been used by their company since its establishment, and this phone number is also written on this check. I have also been in touch with my business customer and the business that's issued this check is willing to help me to authenticate me, and fax their bank information proof that the money has been deducted ( cleared check ) to my email. I went to the bank counter with the documents, but the bank still did not unlock my funds. In various ways, I felt discriminated against. I felt that the bank was discriminating against XXXX people! Not a little bit of help to solve the problem, all kinds of troubles for me and this is too much!
Product: Student loan

I have contacted MOHELA multiple times via secure message and via telephone. I have called multiple times and stayed on hold for XXXX plus hours despite my estimated call time being XXXX hr and XXXX. One time I stayed on hold for XXXX just for someone to answer to tell me I had be transferred and stay on hold another XXXX hrs. I stayed on hold for XXXX hours just for the phone to disconnect from their end. I have asked multiple times to be transition from the XXXX plan to another IDR repayment plan. I have filled out the proper paperwork. I have XXXX payments left of XXXX before my loans are forgiven. I should have received my forgiveness in XXXX, but instead, my loans are stuck in forbearance accruing interest that will benefit MOHELA. The negligence and financial gain is almost criminal. I wonder how many people this company is keeping in forbearance and how much interest they will collect for doing so?
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I took a loan from One Main financial to the amount of XXXX. I have made payments of this loan every month beginning XXXX of XXXX. As of now the my balance stands at XXXX. I inquired to know why this is the case I was told based on the documents I signed at obtaining the loan at a rate of 24.13 % annually and my full payment is supposed to be {$24000.00} almost double what I signed up for. Their argument is that I agreed to the terms. I lost my job in XXXX, and still continued making payments I had to make an effort since they were not willing to give me any sort of relief. I belief I have paid back more than I borrowed and it is just fair for this company to stop collecting funds from me. The legal borrowing rate in the state of Washington is 12 % so I was charged double the rate.
Product: Credit reporting or other personal consumer reports

just recently looked at my credit report XX/XX/2024. I saw some hard inquiries that did not have permissible purpose. i also attached evidence XXXX. XXXX XXXX XXXX XXXXXX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b 2. XXXX XXXX XXXX  XX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b
Product: Credit card or prepaid card

We had a promotional 0 % interest rate on a balance for 24 months. Our last promotional payment will be paid soon. Throughout all this time, there were times that I bought other non-promotional items and we paid the amount due on these items and the XXXX payment plus more to make sure we didn't get any fees. 

Up until this monthly statement, everything worked as we expected. This month they charged us a minimum interest charge of {$2.00}. I spoke to 2 people at the CC Company ( JCPenney XXXX ). First I spoke to XXXX who couldn't waive the fee. I asked for someone who could and was transferred to XXXX. She said that even though we paid the amount due plus more, we hadn't contacted them to tell them how we wanted the payment allocated so the balance of non-promotional items was carried over ( even though it didn't show as being carried over and this had never happened before. ) She did take care of the charge and re-allocated our previous balance. 

I just want to make a formal complaint against this process, which, by the way, is not stated anywhere that I can find on the statement. I'm sure they have done this to others who probably either didn't notice or just paid it since it is a small amount. Imagine $ XXXX times how many customers. 

I intend to cancel the card and stop shopping at JCPenney, but I want to make sure that someone investigates this and makes sure it doesn't happen to anyone else or with any other card.
Product: Payday loan, title loan, or personal loan

I went to kashable.com and filled out my address social security and other personal information and then they blocked me from accessing the remainder of the application. They then emailed me and asked for a copy of my drivers license and social security card and then after I sent it they immediately denied my application before I could finish it by sending me an email telling me that I been denied before I even completed the application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : XXXX
Product: Debt collection

I've been sending disputes for several years thru XXXX, XXXX, and the XXXX XXXX in XXXX, MA, ( company ) telling them that the account was opened fraudulently using my name wrongfully. I've never lived in XXXX, MA, never been there, and have no idea to whom belongs this account. The account in dispute is for a Gas Bill from XX/XX/XXXX, in the amount of {$2100.00}. I'd been living in Texas since XX/XX/XXXX. Since XXXX my credit is been affected adversely and can get new credit or be denied because of this. All my disputes are in XXXX and XXXX records. Not sure why for me a Hispanic/Latin American person is so difficult to resolve this issue, even though the information is easy to be verified, the name Is not my name never lived there and is a commercial account. Is been more than two years and this is not been resolved.
Product: Credit card or prepaid card

On XX/XX/2021 My Cash App card was charged by XXXX XXXXXXXX both for {$310.00} and {$350.00} for airline travel without my knowledge or consent. I've tried multiple times since to dispute the charges formally with VisaXXXX XXXX XXXX  XXXXCash App/Square Inc all of each who say I can only dispute with Cash App. Cash App never answers the phone, it refers you to chat. Chat refers you to email, email refers you to chat or to dispute it on the app. There's is no such dispute function on the app. No human ever is inlvolved and now over 3 weeks no formal dispute is filed for transactions I didn't authorize. Visa nor XXXX  nor XXXXXXXX XXXX care whatsoever of the viloation in cardholder agreement, XXXX also doesn't care it was the merchant who charged my card without consent, it all referes back to Cash App with XXXX XXXX in XXXX  but no customer support to resolve any issue. How is this not a class action lawsuit already?
Product: Vehicle loan or lease

This complaint is against Ally Financial. I have been paying extra money with my monthly payments. I was told to call them and tell them what I want the extra money applied to. For the past two months I have been calling ally and I can not get anyone on the phone who understands English. When I ask to be transferred to an american representative, They either end the call or just refuse to transfer the call. I called ally bank several times last week. The representatives call the call center and could not get an american representative on the phone. This is affecting my credit as I am continuing to incur late charges. I would like to speak with an american representative so this problem can be solved. Thanks in advance for your cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Porfollio Recovery is reporting a debt to credit reporting agency transunion that does not belong to me. After sending proper documents including police and id theft reports porfollio continues to report the fraudulent debt, using practices violation all my rights as a consumer. Also portollio is using threats and harassment in order to collect a debt that is not mine. They have already been sued for the conduct and yet it still persists.
Product: Credit reporting or other personal consumer reports

I wish to bring to your attention that I have not authorized nor initiated any transaction with the aforementioned creditor on the specified date. As a diligent consumer, I maintain a thorough record of my financial activities, and this inquiry does not align with any legitimate transaction or application on my part.
Product: Credit card

I booked a ticket to fly with XXXX while I was traveling. When the time came to check into the flight, the airline demanded that I pay {$5.00} extra to check in, even though this was not spelled out anywhere in the terms of service nor did anybody else in my party have to pay to check in, but they seemed to require it in my case for whatever reason. 

I disputed this charge and sent a letter explaining what happened to the credit card company and they promptly found in favor of the merchant and declined to explain why. They say that I have to try and talk to a supervisor and they have attempted to connect me three times but it has disconnected every single time.
Product: Credit card or prepaid card

This is a Dispute against Citi Cards for a Fraudulent Transaction. 

Unauthorized/Fraudulent transaction in my XXXX,2020 billing statement from XXXX XXXX XXXX XXXX TX for {$5800.00}. 

I noticed that this was a fraudulent transaction and informed Citi Cards, Citi took a statement from me and asked if I have the position of the card and I told them that I do. After a few days Citi sent a letter stating that I am responsible for this payment as this card was used physically. 

Me or my wife never went to this store and have not purchased any equipment from XXXX, XXXX, TX. 

I did file a report with XXXX Police Department in the month of XXXX,2020. 

I have formally requested Citi to provide me any evidence that I have used this card at XXXX XXXX, XXXX, TX. 
1. Signature of the Transaction from XXXX 2. Camera or Footage of me entering this facility.

3. Any other evidence you have that can prove that I used this card in that facility. 

They refuse to provide me any information and have been charging monthly interest on the disputed amount.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern Experian : After careful review of my credit report I notice XXXX XXXX Account XXXX XXXXXXXX has reported 9 late payments to my credit report. 
From XXXX through XX/XX/XXXX a couple of those months was during their investigation which result as a violations of two of those months violations is a XXXX dolars per violations equal XXXX dollars of the Fair Credit Reporting Act ( FCRA ) XXXX XXXXXXXX account XXXX XXXX reported the same accounts on my credit profile twice. 
Another violations equals to be XXXX dollars ( FCRA ) possible more violations to be found since they report the same accounts both accounts must be deleted misreporting 15 usc 1681 sections 623 ( a ) ( 2 ) require furnisher to report correctly under the ( FDCPA ) 15 usc 1692 e ( 8 ) violation of this sections for false reporting.

Timing of payments 15 u s c 1666B States a creditor can not treat a credit account late under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedure designed to ensure each periodic statement including information require by section ( 1637b ) of this title mailed or deliver to consumer not later than 21 days before the due date.

1.Requesting the periodically statement 2. Requesting information from ( 1637B ) 3. Negative information notice 1681 a ( p ) 4. Needs to be mailed or deliver
ed 21 days or less 5.Requesting tracking number 30 days from date received to remove those accounts XXXX XXXX
Product: Student loan

I have been getting letters that i belive are a scam saying they are from Allied Interstate stating they are working with XXXX student loans but i have an account with navient and there is no such thing i am on the save plan so i would like to report this company. The company name sending me this letter is claming to be AlliedInterstate the amount saying needs to be paid is {$15000.00} i have received 2 letters now the date issued is XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( CB INDIGO/GF  ) is reporting on my personal credit file with XXXX, XXXX, XXXX ( Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CRA & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the CRA & DF have not provided me with any evidence of an open contract, signed contract or any valid proof that this was opened, authorized or created by me.
Product: Credit reporting or other personal consumer reports

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 Collections/Derogatory Marks : XX/XX/XXXX, XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act. The lists of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX ( Finance ), XXXX XXXX XXXX ( Auto ), XXXX XXXX, and XXXX XXXX has violated my rights. 

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 a 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 crime 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.
Product: Credit card or prepaid card

My dryer went out and I purchased a new XXXX washer/dryer pair from XXXX 's XXXX paying {$1000.00} down, and financing the rest through XXXX Synchrony XXXX XXXX 60 days same as cash. I appears I was set up for failure, but I kept my eye on the ball, or rather mailbox. 
When I hadn't received my bill by mail in the third week, I called. They had switched me to electronic billing with no notice. Luckily, I figured out how to pay by direct draft in time. If you miss a payment, they can add something like 22 % to your bill and demand payment in full. I was assured by customer service that my account would be switched back to paper billing. When I accessed their website, this had not been done. I was lied to. 
I later got an email that the bill had been sent on the XXXX, and there was a list of credit agencies. These people are nasty and deceptive. If you've had a lot of complaints about XXXX financing, you XXXX want to consider a class action lawsuit. 
I financed on or about XX/XX/XXXX. My account number is : XXXX. Their number is XXXX. I just want to make sure that my credit hasn't been affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to respond to my credit dispute letter that I sent on XX/XX/2020. As a consumer, I have rights under the FCRA and Federal Law mandates that I get a response to my dispute letter within 30 days of receipt. Under 15 U.S.C. 1681i, of the FCRA all unverified accounts must be promptly deleted from my credit file. The account XXXX XXXX XXXX  XXXX is inaccurate and unverified, and I am requesting that it is deleted from my credit report immediately.
Product: Student loan

While attending XXXX XXXX College in XXXX, WI from XX/XX/XXXX- XX/XX/XXXX, I was coerced into signing loans without full disclosure. They would call me into the office and state " your papers are ready, just sign here. '' It was my first time going to college, I did not know what I was signing. They took out not only Federal Loans and Grants but some Private loans without my knowledge or consent. I am still feeling the effects of this as I am still paying back XXXX private loans they took out for me over 12 years ago. I am not sure what the interest rates were, but a {$3000.00} turned into a {$15000.00} loan after fees and interest. By using these deceptive practices, I was not given the opportunity to come up with an alternative to paying these astronomical interest rates and fees. I signed because they made it seem like they had my best interest in mind and if I wanted to graduate, this was my only option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my personal credit profile and unknown inquiry was made from this company multiple requests to remove said inquiries or provide documentation of it's accuracy has all been ignore by company. The fraudulent inquiry remains on my credit profile.
Product: Mortgage

Bankruptcy discharged 2 years ago and trying to get GreenTree/Ditech to remove from bankruptcy department and correctly report to credit bureau. Working on this since XXXX 2015. No call backs from supervisors. Nothing but excuses. Call every week for resolution to no avail.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring your attention to inaccuracies on my credit report that occurred as a result of financial hardship caused by the XXXXXXXX XXXX According to federal guidance and the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, creditors and credit reporting agencies are expected to provide relief and leniency to individuals financially impacted by the pandemic. However, I have identified derogatory marks and late payments on my credit report during this period that do not align with these provisions. 

Explanation of Circumstances : I was financially affected by the XXXX pandemic, resulting in a loss of income and unemployment during [ XXXX ]. 

During this time, I communicated with my creditors regarding my financial situation, requesting relief and accommodations under the available programs. Despite this, late payments and other derogatory remarks were reported to the credit bureaus. 

Under the XXXX XXXX, lenders were required to report accounts as " current '' if accommodations were made due to pandemic-related hardship. These negative entries appear to have been reported in error or without considering the appropriate guidelines
Product: Mortgage

There is a pending sheriff sale scheduled on my home on XX/XX/year>, and I have a pending PA HAF application. My HAF ID is XXXX. PA HAF sent a debt verification to the servicer of my mortgage, PHH. The servicer responded with a debt verification of {$55000.00}. The PA HAF screenshot of the XXXX is attached. 
I requested a reinstatement quote. The reinstatement quote is attached. It says that the reinstatement amount is {$38000.00}, which is under the PA HAF. I called the servicer on XX/XX/year> and XX/XX/year>. During the first call the representative told me that the reinstatement amount was {$40000.00}, but that to reinstate I did not have to pay the late fees, so the reinstatement was {$38000.00}. The representative explained that the other expenses were not required to reinstate and that I could reinstate for {$38000.00}. He also noted that PA HAF was pending. Despite that, the servicer would not postpone the sheriff sale, and I had to appear at the hearing to postpone the sale. 
On XX/XX/year>, I sent a notice of error, which is attached. I again am asking that PHH respond to the debt verification with the correct reinstatement amount, so that I can save my home. A home that has been in my family for years. 
During the second call, the representative told me that the foreclosure was on pause and that the sheriff sale would be postponed. Despite that call, PHH did not communicate that information to their counsel. 
Onity Director, XXXX XXXX, indicated that this matter would be escalated. However, she followed up to share that the sheriff sale will not be postponed and that the HAF application has been denied. She has not provide an additional information after being sent the reinstatement quote and the CDF screenshot.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX - XXXX of XXXX, I filed a dispute with Experian, XXXX and XXXX about the unverified collection account of XXXX XXXX and XXXX XXXX. I have asked numerous times for investigation of these unverified accounts and after numerous attempts it continues to be reported on my consumer credit report by all three bureaus. So now I'm contacting the cfpb to step in and help me get this issue resolved from these bureaus about this inaccurate account as of today. Thank you
Product: Credit reporting or other personal consumer reports

The company has accessed and misused personal information and attempted to collect a debt. According to the Nationwide Multistate Licensing System / Nationwide Mortgage Licensing System and Registry ) XXXX XXXX XXXX is not licensed in the state of Texas as a valid entity. Therefore, In accordance with The Fair credit reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and is therefore fraud. 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 a 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.