23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Now, New violations are being committed by the chase bank to cover up the previous violations of manipulating the credit card opening dates of the accounts ending in XXXX, and XXXX. And all of this just to cover up the violation of not issuing the corporate credit card. Refer to ( office of comptroller of currency case no XXXX ) and CFPB complaint no XXXX dated XX/XX/, and CFPB complaint no XXXX dated XX/XX/, ( Today 's date ). Chase bank charged interest on my credit card ending in XXXX, when I had 0.00 % APR promotional offer for 12 months on there. Chase bank went back in time 4 months to charge interest on these statements and reversed the XXXX $ interest charge on these statements. This is criminal. Account ending in XXXX was opened in around XXXX, XXXX. I would not have opened this account, if there was no 0.00 % APR for 12 months on there. I have been monitoring these statements for last 6 months. There was no interest on there. And now there is. That means chase bank also lied on the credit card application on line stating there is a 0.00 % APR for 12 months promotional offer. And now chase bank won't honor 0.00 % APR anymore. Chase bank is also stealing interest money by manipulating all these account opening date records. XXXX has all these records and won't take any action against chase bank. 
Moreover, " if anybody made a claim of discrimination, they need to prove their claim of discrimination, because my father is XXXX, my mother is XXXX, I look XXXX, and I am from XXXX originally, which is an oriental country. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and there is currently a collection account being reported to my Transunion report for a debt I did not create. 

It is under the name " XXXX XXXX XXXX XXXX '' for the amount of {$1300.00}. The account number is # XXXX. 

I mailed a dispute to Transunion on XXXX XXXX XXXX and to this date, I have not heard back on my investigation request. Transunion is refusing to delete this account from my report despite the fact that I mailed them a copy of a police report I filed with my local XXXX XXXX Sheriff 's office. 

Transunion needs to delete or block this account from being reported on my credit as is my right under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). Under this statute, a credit reporting agency must block the reporting of any information that resulted from an alleged identity theft if the consumer can provide appropriate proof such as an identity theft report. 

This collection company, XXXX XXXX XXXX, has not been able to prove that they have the right person in their records and has n't removed this inaccurate information. I am filing this complaint because Transunion is refusing to acknowledge my request to have this fraudulent account BLOCKED. It is my right as a consumer to request this and I will make sure Transunion is held accountable to the full letter of the law if they do not honor my request.
Product: Debt collection

I want to make it very clear that I am complaining that this company falsely reported the wrong origination of debt date - not the wrong amount of the debt. That option was not offered to me and I felt that this was the closet one. 

Sierra Outsourcing Solutions ( Collection Service of Nevada ) has falsely represented to the credit reporting agencies that a debt in their possession originated in XX/XX/XXXX. I requested back-up records for balance from them and was provided with an invoice proving the debt originated in XX/XX/XXXX. They have no records of a debt from XXXX. Per Nevada law, this item is past the statute of limitations and should not be on my credit record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander consumer refusal to remove loan or take decision responsibility for despite XXXX  judgement order with conflicting and false statements with each inquiry or complaint for removal assistance. 

Please see official statement and documentation send to the XXXX.
Product: Checking or savings account

On XX/XX/2024, I discovered several unauthorized transactions in my checking account from a company called XXXX. Since I had never heard of them before, I immediately called Wells Fargo to file a claim and dispute these transactions. I explained that I had lost my wallet in XXXX, which contained my debit card, driver 's license, and another credit card. It is possible that my debit card information got compromised as a result of losing my wallet. 

However, today, when I checked my online banking, I was disappointed to see that my claim had been denied. The status of the claim read, " Thank you for your patience. After careful review, your claim has been declined. '' This was unexpected since Wells Fargo advertises Zero Liability for fraud protection. I was hoping that they would help me resolve this issue and recover my money. 

Please help me. I can not afford to lose this money as I'm a full-time student and does not currently work and just relying on my saved funds. 
The total amount of unauthorized transactions was {$1500.00}. The claim # is XXXX
Product: Debt collection

Pressler and Pressler again have threatened to take me to court to review all of my assets, which I have gone over and filled them in very fully on my assets. Which is XXXX a month from social security and XXXX in clothes hair procucts and face products. I have no trusts I am not a beneficiary, I do not own any cars or own the house. I can not afford to pay XXXX a month to them for the full balance. It has been 9 years I need a much lower settlement on this, that can be broken up. I can not pay out of my only income from the government for my XXXX to pay this off. Please stop the court threats, and lets come up with a reasonable settlement.
Product: Credit reporting or other personal consumer reports

This company has been willingly and knowingly, reporting misinformation on my credit report. The following information needs to be removed from my credit report, because this misinformation is violating my Rights as a federally protected consumer NAME VARIATIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS RECORDS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX This information must be removed from my consumer report pursuant 15 USC 1681E accuracy of reporting. 

These misspelled variations are lawfully defined as aliases only the name XXXX XXXX should be present on my consumer report. Everything else must be deleted. The address that I give permission to be on my consumer report is XXXX XXXX XXXX XXXX every other address associated with this consumer report must be removed.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Debt collection

These people are continuing to report inaccurate accounts on my credit! 

ALL OF THESE BILLS ARE PART OF SERVICES RENDERED THAT ARE NOW PART OF A MALPRACTICE LAWSUIT. DATES XX/XX/2020 - CURRENT. They added an account to my credit for {$46.00}. {$46.00} DOLLARS! 

AGAIN, MY LAWYER HAS SENT THEM LETTERS REPEATEDLY AFTER VERIFYING ALL OF THE ACCOUNTS THEY HAVE WITH THEM ARE PART OF A MALPRACTICE LAWSUIT. ANY DATES OF SERVICE BETWEEN XX/XX/2020 AND NOW ARE TO BE HELD, PER THE CRYSTAL CLEAR LETTER ARS and THEIR THEIR ILLITERATE CLIENTS FAIL TO READ. 

Any medical collections from XXXX XXXX  XXXX XXXX, ARS XXXX, XXXX XXXX, or other medical related collections are being placed on my report out of spite due to pending litigation. Dates of service are XX/XX/2020 to CURRENT. These entities have chosen to ignore repeated requests from counsel to pause collection efforts until case resolution. They are also changing account numbers and balances by 1 number to report the same debt more than once on my reports. ARS has a poor XXXX rating and are under investigation for consumer fraud. I have been successful in getting these accounts removed from my XXXX report but XXXX will just keep changing account numbers and amounts to add them back like they have been doing.
Product: Mortgage

I had a mortgage loan that was purchase by Green Tree the month before it was paid off. My taxes were not paid by Green Tree. I was informed this by a late notice from the county and paid the taxes in full myself. I have been speaking with GreenTree for over a month trying to get the refund for the {$390.00} they state was paid to the county. I was finally told on XXXX that Green Tree cashed a check on XXXX/XXXX/15 for that amount. I am being told that they are trying to find my funds in-house. I just hung up with a representative from the tax department that told me that her department received the funds on XXXX and supposedly forwarded those funds to the escrow department, but the escrow departmet states they have not received those funds. The rep I finished talking with today took my cell number and said a supervisor would call me when my funds were located. Considering my account has been closed since XXXX and that Green Tree confirmed they as a company do have my funds, I do n't think it is okay for them to delay sending me my refund. I also do n't think it is okay that I had to pay late fees since they did not disburse my escrow account correctly to pay my taxes on timej. Can you please help me recover my money from them or advise me what I need to do to make this happen & gt ; If I owed them money, they would be charging me interest and penalty fees. I just would like my refund now. Thank you.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. Upon reviewing my credit report, I noticed several accounts that I do not recognize and believe should not be there. I am writing to request validation of these accounts to confirm their accuracy. If these accounts can not be validated, I request that they be removed from my credit report immediately.

Please notify me of the results of your investigation. Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

Second or third time I 've had this issue with capital one. When I was upgrading my card I was told there would be no annual fees not only for the first year, but no annual fees ever I am always very specific about this. And after a year I received an annual fee! I call in ( takes over an hour! ) Manager says although I was given incorrect information there is nothing she can do and I will unfortunately have to pay it. This is YOUR business YOU are the one responsible for what you say, you 're the professional not me. She agrees but says i 'll have to pay the fee for their mistake ... That 's crazy. I insist i 'm not going to and that you 're not allowed to lie to the customer and after about 10 minutes of standing my ground she said she would 'look into it. ' First of all they are n't going to look into it they never do, and second had I not insisted for 10 minutes, spent over an hour being transferred from one person to another I would have got stuck paying this bogus fee ( and as of right now they still want me too! ) {$19.00} is worth an hour of my life and a lot of americans feel that way too so they do n't even call in to argue. This needs to stop! Oh and they also 'correctly upgraded my card ' so there should n't be a {$19.00} fee next year ... or so I was told. They just prey on people forgetting and not wanting to waste their time calling in. Insane.
Product: Credit reporting or other personal consumer reports

XXXX I legally changed my name to align with my gender identity. On XXXX I submitted documents ( social security card, drivers license, court order changing name ) to Equifax in order to update my name. On XXXX they returned the dispute having changed nothing, and asked me to submit the same documents again. In the time it took them to not change my name they somehow determined that my XXXX credit accounts and student loan account belonged to my dead name ( even though all three have been under the correct name ). On XXXX I submitted a dispute to remove a credit account that belongs to my mother from my report. On XXXX they returned the dispute, refusing to as we verified that this item belongs to you. The entire process of updating my information with Equifax has been extremely frustrating. Every page of their website and mouths of their support representatives have been filled with references to my deadname, and at times it feels like they are intentionally making changes difficult for trans users. If accurate reporting is the goal why do they happily update account balances and statuses while ignoring name and identity mismatches on those same accounts?
Product: Debt collection

This is regarding 2 collection account that are on my credit report. United WE Collect Inc, original creditor XXXX XXXX for {$60.00} & {$220.00}. I have contacted United WE Collect numerous times, most recently XX/XX/2020 to resolve this debt. The supervisor XXXX refused to send the details of the transactions nor settle the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a previous complaint against Equifax and the creditor for defamation. i provided both agencies with pertinent information to validate my claim and my wish of having this erroneous and negative information from my credit report. I am in the process of buying a house and can not move forward without resolving this issue. 
I have attached the credit reports that highlights the inaccuracies for your review. Also, if you are not able to complete the investigation with results, I am wondering what the purpose of the CFPB? Why file a complaint if nothing can be done.
Product: Prepaid card

To, The Consumer Court, Subject : Complaint Against American Express Regarding Non-Usability of Gift Card Respected Sir/Madam, I am writing to formally file a complaint against American Express ( Amex ) regarding a gift card I obtained using my Amex membership points. Despite multiple attempts, I have been unable to use the gift card due to issues with verification of the billing address associated with it, and the company 's lack of resolution has caused me undue inconvenience and frustration. 

Below is a detailed summary of the events : Obtaining the Gift Card : I redeemed my Amex membership points to acquire a gift card issued by American Express. 

Issues Faced : I attempted to use the card with several merchants including XXXX, XXXX, XXXX XXXX XXXX XXXX. Every attempt was unsuccessful. XXXX declined the transaction five times, citing their inability to verify the billing address associated with the card. 

Attempts to Resolve : I called several customer service numbers provided by American Express. Most of these were automated systems that could not assist me. 

Eventually, I managed to speak with a representative. Initially, they stated they could not refund the points or issue a replacement. 

When I mentioned escalating the issue to the consumer court, they waited for five minutes before informing me that a refund might be possible if I provided additional details, such as a utility bill, to verify my address.

Case Number and Verification Issues : The representative opened a case and asked me to send my utility bill for address verification. 

However, I did not receive any official email from Amex with the case number or other details, despite requesting it. 

Without proper documentation or follow-up from Amex, I feel compelled to take this matter to the consumer court.

Current Situation : My card is now blocked, and I can not use it for any transactions. 

The lack of proper customer service and transparent communication from Amex has left me no choice but to seek legal recourse.
Product: Debt collection

Comenity Bank continues to use various debt collection companies to report debt from several years ago as new debt. It was an result of identity theft which happened several years ago. Recently they added to my credit report an Ann Taylor card of {$500.00}. They are reporting on my credit that it was debt charged off and owned as of XX/XX/XXXX which is not only inaccurate but was reported as theft dating back to XXXX. They are using companies like XXXX  and other debt collection companies to keep moving the fraudulent debt around. They did this with New York and Company also.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I'm very disappointed to find that these unauthorized accounts still adversely affects my creditworthiness. It's crucial to understand the significant impact this has on my financial standing. Despite multiple attempts to rectify this issue by submitting letters to remove the account, TransUnion continues to report it, which is deeply concerning. XXXX and XXXX have already recognized the error and removed these accounts from their records. I urge TransUnion credit bureau to follow suit promptly. Immediate action is imperative to delete these fraudulent accounts resulting from identity theft. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

the car was involved in a total lost and I need that account closed down, I already contacted the company and they will close it down as soon as possible but I also need you guys to close it down since its affecting my credit there is no type of payment owned to the vehicle since it was a total lost.
Product: Mortgage

Recently, I made a payment in the amount of {$810.00} for XXXX bill ( XX/XX/20 ).  Apparently, payment got rejected because of a blank check? I send out screenshots from my XXXX bank statement and as well a letter from my bank institution confirming that the payment went thru. Also, it reflects on the Rushmore Loan Management website that they took the payment but the system did not update because the check got rejected? Now when I am trying to make a payment for XXXX it still shows that the XXXX bill is still due and is charging me late fees. Their time response to this matter has been frustrating, specially for people who have been affected by COVID19. I have also received several letters claiming that checks that have been sent forward have been blank checks which I have resolved with my bank institution which I am sure there was a clerical or system error from my bank institution. The letters that have been sent has almost made me feel like a criminal. This has caused me severe XXXX  and XXXX in trying to resolve this matter. I really wish XXXX XXXX was still servicing my loan. Rushmore Loan Management has performed poorly in servicing my loan since it was taken over by them.
Product: Checking or savings account

Someone stole {$1000.00} from my chase account. Paid themselves through XXXX. Chase claims refused to issues my money back because they said they can't verify it either way. It others words they are saying I'm lying.
Product: Checking or savings account

Hello, I currently bank with Wells Fargo for a child support account.
I withdrawal money from a no surcharge ATM to put money into a separate bank account to utilize. I noticed I keep getting a {$2.00} charge for using a non-wells fargo ATM.
I called and voiced a complaint and asked for specific verbiage on this charge. A Wells Fargo customer service representative escalated it to the office of the president, which is where this complain begins.
There is NO verbiage that going to a no surcharge ATM will in fact still charge you.
Wells Fargo indicated that on page 36 of their customer agreement it indicates that all non Wells Fargo ATMS used you will get a {$2.00} charge. There 's no verbiage about a non surcharge ATM. This falls under Unfair Deceptive Acts and Practices.
Product: Checking or savings account

On XX/XX/XXXX I received an e-mail saying my account was to be immediately closed due to a transaction going against the " Deposit Account Agreement ''. I was receiving an Electronic Funds Transfer from XXXX XXXX which I have through my employer. I have done this dozens of time with this account. I spoke with multiple people on the phone ( to which no one could give a specific reason for the closing ) and through e-mail, every day since then and they keep asking me for new documents to validate the transaction in order to recover my account. I sent my Driver 's License, Car Insurance IDs and screenshot of XXXXXXXX XXXX website with the transaction and the banking info that says " XXXX XXXX  '' which is Chime. Every time I send one, they ask for another type of verification. I also received e-mails that my account would not be refunded and once I replied with saying that on the phone I was told otherwise, they said I must wait 30 days for a refunded check. I'm not sure how this is even legal for them to do without warning. Nothing about my transaction was illegal. I attached articles I found that may be related to what's going on, especially since this happened to me, I have become aware of a friend of mine who is in the same situation with Chime as well so this is not an isolated thing. I clearly am an employed citizen who was not getting a false stimulus check. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I started out with XXXX, and applied for the XXXX waiver. In the process my loan was transfered to Mohela. In contact with Mohela, first they told me they don't do the XXXX, then they told me they would " try to to help me, '' then they told me that my XXXX would be updated the end of XXXX. My XXXX was not update, now states end of XXXX, once the application process for the XXXX with the lifting of temporary restrictions is over. I applied and have verification in XX/XX/2022, but still no answer. I have worked in XXXX XXXX for 21 years. I would think that I wouldn't have 96 more payments considering I have been repaying for over 10 years.