23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had an XXXX business credit card with Chase. Who I opened the card they offered a large bonus for spending a lot. I did this and got my rewards bonus. 

Then I get a letter stating that I had 14 days to verify my business and that I should had received a letter stating what documents to send to verify. I never got this letter. 

I called chase several times to find out what I needed to do. They could only refer me to the letter that I never received. I asked for the letter to be resent. But it was not coming in time. I called again and the agent said not to worry that I could always reopen the account if it did not come in time. I asked him again what documents I needed to send and he told me my personal ID and proof of business address. My business is run from my home. The only document I could get in time with had my business name and address was the proof of registration of my business ( which I sent them a screenshot of ). I waited weeks for them to respond. I then got a letter stating my documents were not accepted and that they closed my account. 
I believe Chase did this intentionally to revoke my XXXX rewards points. I believe they did not ever send the first letter asking for verification. They are not willing to make this right. 

This process was convoluted and intentionally difficult. Why not list the documents I needed in the second letter?
Product: Credit reporting or other personal consumer reports

I have been trying to remove multiple fraudulent accounts off my credit report since XX/XX/scrub> 2023 and I have made multiple police reports and ftc reports and they have not removed are blocked the information yet I have provided my documents verify my identity and still the fraudulent accounts are still on my report Transunion didn't do anything about these fraudulent accounts and refused to remove them they are fraudulent as stated in my ftc report and by law they are to be removed
Product: Credit card or prepaid card

Date : XXXX XXXX 2023 Company : Cash app Amount : over XXXX $ Hey Ive reached out to the company cash app several time and talk with them about my account being hacked. They told me first that it will be under investigation for 10 business days which I waited.Then after that they told me they couldnt do anything so dispute the transaction on the app. Then once I did that they denied me sending me a email. It was about 15 different purchases which the hacker spend over XXXX $ from my account. I have Proof, debit card records etc. they also canceled my card after I call them every day.
Product: Debt collection

I have attempted to resolve these accounts with this collection agency multiple times. I have asked for proof and proof of consent of access to my medical information for the alleged debt. I have told them and provided them with information in regards to my attorney for any medical bills related to a work injury. They still failed to provide any documentation after the fact and continued to attempt to collect this alleged debt. Anything related to this case has be ruled by a judge to be covered and paid by copperpoint insurance. I requested proof of consent for them to have access to my medical information under HIPPA and proof of my liability which they responded " As you are already aware ... ... .ARS has verified this information with our client... .. '' such statement does not provide any proof. I requested this on XXXX, XX/XX/XXXX, XXXX with the same exact response each time. Their response is unacceptable and I continue to get the same letters on a monthly bases. I called them the month of XXXX in XXXX letting them know decision of the judge as well as my attorney information prior to them I had already given them my attorney information letting them know I was in litigation for this matter. My date of injury was XX/XX/XXXX which has resulted in numerous emergency visits after the injury date which the dates listed on there documentation was a resulting visit of that injury as well. Therefore is not my responsibility as ruled by the judge.
Product: Mortgage

I have a VA loan that was sold by Mortgage Company to Penney Mac Home loans.
My payments were always on time up to when my checks from the government were stolen.
I immediately contacted and submitted evidence to Penney Mac of ID Theft and Fraud. I froze my files with Credit Bureaus to prevent any further theft.
Penney Mac said they would modified the loan due to the predicament I was in.Within a month, with borrowed money I was able to make payments.
Penney Mac told me not to make the payments because it would change the numbers in the Loan Modification, and for me to wait for the papers. I kept calling them and they kept telling me I should be getting the documents.
I explained my concern over lateness reporting affecting my credit. Told me to no worry, that with a Modification, scores will be fixed in time.
Penney Mac first approved payment was InXX/XX/XXXX.They reported me late from XX/XX/XXXX toXX/XX/XXXX ; which was their own doing for delaying the modification and telling me not to pay. Trying to refinance with Credit Union who will approve loan but needs Penney Mac to fix its credit reporting.
I have been working with Credit Bureaus since I found out on XX/XX/XXXXthat PenneyMac had reported me over 180 days late to the Credit Bureaus, without any explanation to me or the Bureaus.
I was granted a car loan by the Credit Union inXX/XX/XXXX. I have been trying to get the lateness reported resolved with PenneyMac and disputing with the Credit Bureaus what has happened. I have called Penney Mac 18 times. Submitted a complaint with their Customer Service department. Was able to speak to the Modification Department once, and they claimed " no knowledge of what I am stating. '' I asked for a Supervisor or someone who can help me. They claimed they have " No Supervisors, '' and that everything is done electronically. They kept routing me to wrong departments with long waits of 25 minutes and longer, only to hang up on me when they picked up the phone.
Their phone number XXXX listed in the Credit Report is no longer working.
I personally visited our Senator 's office in Colorado and was able to find out that PenneyMac has no physical building in Colorado but a Registered Agent by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO. XXXX. This a place where anyone or any business can register, to show they have an address in Colorado, which leaves me and any consumer unable to deal with a problem face to face ; and I am wondering if that is legal at all.
The disputes I have entered with XXXX Credit Bureaus all come back as if everything reported in my account is correct.They too, ca n't speak to anyone, but comes back electronically to them. The Bureaus do n't know if it is a computer at PenneyMac responding, or a person. The Credit Report shows that PennyMac will keep reporting the negative portion of my account untilXX/XX/XXXX, including 2 months that show " ND '', meaning " No Data '' but its counted against me.
I need PenneyMac to make good on their words and not count against me something negative credit reporting due to their delays, which " has '' and " is '' affecting me on a daily basis. Thank you
Product: Credit card or prepaid card

In the letter Citibank sent me on XX/XX/2023, it says " we have made every effort to resolve this dispute with the merchant and/or their bank but have not been successful. Unfortunately, the merchant is not willing to issue credit to your account. we no longer have any additional resource to pursue a credit for you through the dispute process. You will need to seek other means to resolve this matter. Our investigation is now closed. 

The letter mentioned above didnt really provide an explanation why the merchants declination is legit. Ive provided with Citibank all the supporting documents to prove my dispute is reasonable and grounded. If merchant can simply be not willing to issue credit without good cause, how can the consumer interest gets protected in the dispute process?
Product: Credit reporting or other personal consumer reports

These requests don't have a place with me, and I have no relationship with the recorded loan creditors. I desperately demand that they be taken out from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On this account I am listed under responsibility as the authorized user. I believe that since I am not personally responsible for this account that it should not appear on my credit report. It has a high balance compared to its credit amount which I believe effects my credit score.
Product: Student loan

Thank you for taking the time to read this and for hearing all of our concerns. Your work is appreciated. 

I attended XXXX XXXX while serving in the XXXX. This would 've been in XXXX, VA around the year 2000. I was using the XXXX XXXX which was a confusing nightmare at the time. 

Approximately 3 - 4 months in, I receive a letter stating I owe money for student loans. XXXX financial aid tells me I did n't send the form which was due every quarter, or half. I forget the timeline. Either way, I was never given any notice of this form and had no recollection discussing it. 

I say I can turn it in now. Financial aid office says their hands are tied. I say there was poor contact on their behalf, surely they can accept a form week late due to an admin error or something, right? No. Give us {$5000.00}. That has grown to something like {$12000.00} now. 

So now I 'm dealing with FedLoan Servicing. I guess they 're with Department of Education? They 've been relentless trying to collect using different vendors, or changing their own face over the years. 

It 's been a ridiculous fight against this loan for 15 years. We approved all the XXXX XXXX paperwork, and they say I do n't need to give them anything else. I deal with schools and financial institutes in my workplace, they always have some type of waiver. 

It 's not right being charged so viciously when I was under the impression XXXX XXXX had it covered. I do n't know if this should go to Department of Education or XXXX. XXXX of them needs to grandfather the form in. We can do better than this.
Product: Student loan

Repayment plans are ridiculous unreasonable! Also fees change so much I have no clue what exactly is the correct amount I owe anymore.
Product: Bank account or service

Today I transfered ( on line ) {$40.00} from my savings account into my checking. I received an e-mail from Chase stating : " On XXXX/XXXX/2016 XXXX, you withdrew from this account. This was your fifth withdrawal during this monthly statement period. As a reminder, we 'll charge you a {$5.00} Savings Withdrawal Limit Fee for each withdrawal or transfer out of your account over XXXX in a monthly statement period. You can avoid this fee by keeping your withdrawal activity below the limit. 

We 'll waive this fee if you have a balance of {$15000.00} or more at the time of your withdrawal or transfer out of your account in a Chase XXXX, Chase XXXX, Chase XXXX XXXX, or Chase XXXX. 

Keep in mind that federal regulations also limit the withdrawals or transfers out of your Chase savings account. Please see the Deposit Account Agreement on chase.com for complete details. '' A {$5.00} reminder fee? Seriously? Talk about hidden fees! This is my money I 'm dealing with. It is XXXX XXXX, 2016. The end of this month. Why should I be charged for moving my money around from XXXX account to another? No matter how many times I move it around? I got rid of the overdraft fee 's and now Chase is charging me {$5.00} for moving my money around from XXXX account to another? And the fee can be waived if I have a balance of {$15000.00}?? This is not right. CFPB has been very helpful to me before. I hope the CFPB will be helpful to me again. I thank you for your time.
Product: Mortgage

It all started when moved to another town. We forgot to put in a forwarding address and when Chase Bank sent out a letter asking to confirm we have insurance on a house it didn't forward to our address. Evidently Case put their insurance on our house which included the property taxes that I pay at the end of every year. I don't know why they did that with my taxes but they took it upon themselves to add that to my payment also.. That put my house payment {$400.00} over what I would be paying. I paid it the first month and did all the appropriate things I should. I had my XXXX  rep. send them prof of my insurance, this after a full day on the phone getting the right person and giving them all the info they needed to insure everything would be straightened out. The next month Chase did the same thing. I sent them what should be my correct payment and they said because I didn't send them the correct amount they took it out of my escrow. This time when I talked to them they said XXXX  said they cancelled my insurance. Now I know this wasn't true. I called my rep. and he was appalled. This time I gave him the Chase persons fax number they gave me. And then I went to my Chase bank and again complained over what they were doing. They assured me that they will prorate any money they have taken out. I know Chase is famous for not giving back money and instead will just apply it to the principal and interest.

Then this month came and they did it again. I have talked to many people trying to straighten this out and they just keep letting it happen. It's like they are giving me the royal run around. I feel like a nobody. They are treating me like Trump treated DACA. They acted like they were going to help me, then they just went on doing what they always do. Steal my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was in a forbearance status. XXXXXXXX XXXX XXXX reported to Experian that my mortgage payment was 30-days past due resulting in a negative impact to my credit score/report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX : {$420.00} XXXX XXXX XXXX : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX {$120.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX : {$1900.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$760.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$330.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX : {$760.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I co-signed for my father for a XXXX XXXX XXXX with XXXX XXXX. We had the car for some time until XXXX when the state of California suffered the most destructive wildfire season on record, the California Governor declared a state of emergency for several counties. Due to this emergency our finances were affected since our only source of income XXXX work ) went slow and at some point, we could not drive to our workplaces and later me and my father were layoff. This situation extended from XXXX to XXXX during these 8 months without work we couldn't afford the car payments and other payment. We back to work on XX/XX/XXXX but by the time the car was repossessed and sold in auction, sad we lost the car due to a situation out of our hands. 
Now I am trying to apply for another auto loan but of course is a scare in my credit history, I have on my personal credit reports the XXXX XXXX auto loan account with a perfect payment history until XX/XX/XXXX and then all the following moths with a repossession status. I called to XXXX XXXX asking for the refrain from reporting delinquent on the account, tried to dispute the account because it should be some regulations for cases like this but they just told me that is not possible to file a dispute or investigate the case. I am filing this complaint asking for the bureau protection, I hope exists some compassion and flexibility when credit customers are affected by major disasters. My credit was deeply affected for this disaster an as credit customers I need to be protected when these events happens and are out of my control.
Product: Student loan

On XX/XX/2020, I spoke with XXXX and XXXX, of the XXXX Ombudsmen 's Office, in regards to delayed refunds pertaining to the CARES Act and student loan wage garnishments. 

They said XXXX can only process wage garnishment refunds once payment has been received from Delta Management Associates. Since Delta Management Associates has delayed wage garnishment payments to XXXX, refund checks issued by XXXX are consequently delayed, as well. 

XXXX contends Delta Management Associates ' late payments of wage garnishments to XXXX is the reason why wage garnishment refunds have been delayed.
Product: Checking or savings account

Bank of America ( BoA ) shows a pattern of charging a $ 12 monthly maintenance fee around the same time a debit transaction is made to the account bringing the account balance to {$0.00}. BoA then charges a {$35.00} " OVERDRAFT ITEM FEE FOR ACTIVITY OF XXXX XXXX XXXX XXXX DATE '' as if the debit transaction resulted in a negative account balance and not the monthly maintenance fee itself. It has happened at least twice recently, once on XX/XX/2022 and again on XX/XX/2022. On each occurrence, an electronic money transfer was made to cover a transaction in the account on different dates, the account was then debited, the monthly maintenance fee was charged followed by an overdraft fee. The maintenance fee is not charged on the same day each cycle. This seems to be done to extract more fees from the account and I would like it to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed two items showing as collections needing immediate attention eight times. I have my bank statement proving I paid the collection in full and the dispute has been denied all eight times. Ive never once been able to provide the proof I have. I was advised to pay off the account in order to raise my credit enough to get approved to buy my house. They sent a letter stating the account was resolved and that is how I was able to purchase my home in XX/XX/2020.
Product: Credit reporting or other personal consumer reports

Instances of reporting unauthorized activity have occurred multiple times. It is crucial to remove any unauthorized items within four business days. This process requires providing adequate proof of identity, submitting an identity theft report, identifying relevant details, and confirming that the activity is unrelated to any of my transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX Date opened : XX/XX/2019 Last activity : XX/XX/2019 Original creditor : XXXX Status : closed Balance : XXXX In accordance with Fair Credit Reporting Act XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A .states I have rights 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
Product: Checking or savings account

Description : I have an account with coinbase. I have purchased crypto currency with coinbase. I have been locked out of my account with coinbase since XX/XX/XXXX. I have called and have 5 ticketsrequesting each time to have my account unlocked. I have had no response, no resolution to date XX/XX/XXXX. I did notify coinbase if they did not give this matter there immediate attention last week I would be filing this complaint. I have been hung up on by coinbase customer service reps today XX/XX/XXXX which is what prompted this complaint. 

The issue is during the 2 step verfication I am able to put in my password and receive the text from coinbase. However, during the 2nd step coinbase is to send me an email to confirm to my email address on file. They are failing to do this. 
Thus I can not access my account. I can not even file a complaint with coinbase online because in order to do that you must receive an email to confirm your complaint and I am not receiving any emails from coinbase? I have many other accounts with other exchanges I can tell you this is the worst customer service of all by far. With all other exchanges online you can speak to a representative in a chat, an resolve simple issue like this. Not with coinbase. No one in customer service can and will do anything for you. You can hear people playing in the back round like this is a joke, unprofessional conduct. I am sure if it was there money it would not be so funny. For me this is a very serious matter. Coinbase is a company that represents US and billions in currency now and in the future the customer support and service is a 1 out of 10 because at least someone answers the phone that how they get a 1.This company has way to much money to have such poor training and human resources and customer support. I hope all my crypto is still in my account?
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding an inaccurate item listed on my credit report for a credit card account with CB Indigo. The details are as follows : Account Name : CB Indigo Balance : {$590.00} ( reported as over the credit limit of {$300.00} ) Account Opened : XX/XX/XXXX Reported Past Due : {$240.00}, with 120+ days late Date Reported : XX/XX/XXXX This account is currently marked as 120+ days late, and there is also an over-limit balance being reported, which has negatively impacted my credit score. I have previously disputed this account, and it is noted on my report that the account information is disputed by the consumer. However, the creditor has failed to provide sufficient verification of this debt and continues to report incorrect information.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I have the right to dispute inaccurate or unverifiable information. The information reported by CB Indigo is inaccurate, and despite my formal dispute, it has not been properly verified.