23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/2022, I sent certified letters to the law offices of Harris and zede in XXXX XXXX, Ca telling them that the debt doesnt belong to me that my name is XXXX XXXX XXXX not XXXX XXXX for that is my fathers name and I have no knowledge of this debt and is not my debt. I received no response then on a random day when I returned home from a work trip and vacation I have a random court summons saying Im being sued by XXXX XXXX XXXX. The document was left on my door steps and mustve flew around because my neighbors shared they had to grab the papers from blowing away. I was not properly served nor this this debt mines and they yet to provide the original purchase agreement with the terms and conditions that shows I owe this alleged debt. This is poor practice for I feel harassed, Im embarrassed, and this is on my credit report and it is doesnt belong to me. Please help and stop these predators for illegally trying to sue people and get judgements because the individual is not aware. Ive a victim of identity theft and my police report file number : XXXX XXXX police department XXXX XXXX XXXX dispatcher XXXX XXXX id # XXXX Identity theft File # XXXX I also sent another certified letter requesting the original purchase agreement again on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I opened an online savings account with Comenity Direct Bank in XX/XX/2021 by depositing eighty-thousand dollars. Due to a death in the family on XX/XX/2021 and an immediate need for my funds, I requested that the account be closed and the funds sent by check overnight. The bank said they preferred to send the funds by electronic transfer. I said transfer the funds to my linked XXXX XXXX  account. On XX/XX/2021 they said they would transfer the funds, and it might take 3 to 5 business days. The funds were never transferred. I made numerous phone calls to Comenity Direct to get my money. I spoke with numerous employees, including XXXX, XXXX, XXXX and XXXX. They all failed to solve the problem, and they all refused to give me the name and phone number of a bank executive. On XX/XX/2021 I spoke with XXXX, who said she was an executive. When she refused to give me the name and number of any corporate executive, I asked and she agreed to have a bank executive call me the next day. No one did. I am a XXXX year old male and the bank is guilty of senior abuse and apparently brank fraud.
Product: Vehicle loan or lease

This is complaint number XXXX for the same issue. Chase continues to " lose '' my payments that are coming from a XXXX party payer. I am XXXX years XXXX and have had this loan since XXXX of XXXX. From XXXX of XXXX to XXXX of XXXX, I made all of my payments on time. I became XXXX as of XX/XX/XXXX and per XXXX XXXX ( where my payments are coming from ), I can not submit my monthly XXXX statement to them any earlier than the week of the XXXX of every month, because that is where my XXXX date falls on. I have conveyed this to Chase MANY times. I understand that my payment due date is the XXXX of each month, however, I have no control over XXXX XXXX  policies as well. As of today 's date they have not posted the FINAL payment, and I continue to be assessed late fees. I have escalated this all the way up to the Executive Office at Chase Auto Finance. A representative by the name of XXXX XXXX in Chase Auto Finance, who handled the previous complaint, conveniently told my insurance rep XXXX that my payment due date could be changed. I find this amusing that it can be changed 2 months prior to the loan being paid in full, when I asked if it could be changed XXXX years ago and was told no. I have consulted with my attorney who has advised me to keep filing these complaints and keep track of them. She has also advised me that I am NOT responsible for the late fees, as this is out of my control. As of today, I've been charged another {$15.00} late charge for a check that was mailed XX/XX/XXXX in the amount of {$610.00}. This whole issue is discriminatory to people with XXXX and creates unneeded stress to me which is not good for any of my health conditions. XXXX XXXX is doing their job correctly, Chase is not. I have been told that I am not the only account this happens to, which to me should be a sign that their process needs to be reevaluated and modified.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an account listed on my credit report with Experian. I have disputed this account with Experian more than XXXX times, providing supporting documentation that demonstrates the debt is inaccurate or does not belong to me. Despite my repeated disputes, Experian continues to report this account as mine without sufficient investigation or validation. 

XXXX and XXXX have reviewed the same dispute, verified my supporting documentation, and removed the account from my credit report. However, Experian has failed to correct this error, which has negatively impacted my credit score and financial standing.

I am requesting that the CFPB investigate Experians failure to properly handle my dispute in accordance with the Fair Credit Reporting Act ( FCRA ) and require them to : 1. Conduct a thorough reinvestigation of the disputed account. 
2. Provide detailed documentation to validate the account if they claim it is accurate.

3. Remove the inaccurate account if no validation is provided.

Thank you for your attention to this matter. I look forward to a prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle through cnac and they agreed to settle my account in full but they reported it as voluntary repo and it was paid off in full
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to EQUIFAX on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? Fix this immediately.
Product: Credit card

Went online to JC Penny to make a payment. The system incorrectly stated I wished to pay {$25.00} vs. my whole balance ( which I clicked ). When I tried to correct, it said you can only do one payment online per day. I then called. When I first got online it asked for account number etc. and social - It paused for a long time and never found my account. Then I called again spoke to an agent who told me it cost {$10.00} to make a payment using her so she will transfer me into the system again. She then transferred me into something that basically put me on hold and never got back to me. Then I called back again trying to make a payment with the automated system on the phone again. At this point, 20+ minutes into this saga, I still can not make this payment. I am now on my XXXX or XXXX attempt to get verified on their IVR - no success to date. So their IVR can not authenticate me, the agent wants {$10.00} to do it with a human, the website wo n't let me fix the issue. 

This is clearly a UDAAP issueI believe this is purposely made difficult for customers to ring up fees and late charges.
Product: Credit card

US BANK XXXX XXXX XXXX  XXXX  offers a welcome bonus {$200.00} statement credit to card holders who spend more than {$1000.00} within 120 days of opening their account. I discovered from my account on the US bank mobile app the last date for me to qualify for the bonus was XX/XX/XXXX. I made purchases using the card and I saw transactions posted on XX/XX/XXXX amounted to {$710.00}. Subsequent transactions were labeled as pending. Which included the following transactions listed below : XX/XX/XXXX {$51.00}, XX/XX/XXXX {$180.00}, XX/XX/XXXX {$59.00}, XX/XX/XXXX {$6.00}, {$4.00}, {$15.00} Total purchases made {$710.00} + {$320.00} = {$1000.00} But when I called US Bank enquiring about my Welcome bonus on XX/XX/XXXX XXXX pm XXXX  Local time, XXXX by the name of XXXX, picked up the phone and told me that because of the pending transactions I am not qualified to receive the welcome bonus of {$200.00}. Take note that I have spent the money {$1000.00} using the US bank credit card within the time frame, the last day being XX/XX/XXXX midnight and I was told that I was disqualified because of the pending transactions yet to be posted to my account. It was never mentioned in the US bank brochures regarding credit card that pending transactions made within the time frame are not counted towards the total spending. 
I believe that I am not the only victims to suffer from unfair treatment from financial institutions. Therefore I file a complaint against US Bank with CFPB hoping that justice would be done
Product: Credit reporting or other personal consumer reports

I have tried to get the attached corrected with Equifax for some time. 

I've sent Certificate letters # 'S XXXX & XXXX. 

They both concern the CORRET spelling of my legal name which is XXXX XXXX. Any other name not matching my LEGA : name should be deleted. 

Furthermore, I have asked them to remove a hard inquiry that I have no clue. 

In the same letters I demand no Credit Freeze or Fraud Hold be placed on my account for NO REASON. 

In each letter, I included my driver license and social security card ( copies ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my car loan with XXXX XXXX XX/XX/XXXX it is now XX/XX/XXXX and it is still open on my credit report after numerous attempts of contacting contact XXXX XXXX and recieving many final statements that I also submitted it to the dispute resolution center with experian credit bureau. They have failed to remove this account from my credit report which has hindered my debt to income ratio for other lines of credit applications. 

I have disputed this issue with experian 3 times and every single time it comes back with no resolution. 


I paid everything in full and want this off my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Balance : {$2600.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. 

XXXX XXXX XXXX XXXX Balance : {$420.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX XXXX Balance {$620.00} - This account must be delete immediately due to years of late payments after account was already closed. 

XXXX XXXX XXXX balance {$95.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX balance {$100.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau. 

XXXX XXXX XXXX XXXX : {$250.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX XXXX Balance : {$83.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX XXXX XXXX Balance : {$110.00} - Account is reporting inconsistent and inaccurate, please delete this account.
Product: Credit card

In early XXXX, XXXX  I moved from XXXX  to XXXX  after a near XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thus, I am unable to use the phone. I reached out to my credit card company, American Express requesting them to update my address and phone number. I sent numerous letters via US Mail to the customer service addresses listed on their website. They will not respond to replace my card or to close my account if they do not want to issue me a new card. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I no longer have access to my old number after it was disconnected and I was transferred to XXXX  for XXXX XXXX. I would like this account updated so I can use it, or closed immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I entered chase bank located XXXX XXXX XXXX in XXXX New Jersey to deposit 10 money orders with a total sum of US {$9000.00}. The next day I was told there was a restriction on my account and I was to prove that the money orders was legitimate by bringing in the receipts which I didnt n have and had to have them shipped from overseas. I was able to provide nine out of the 10 receipts due to a miss placement of one. After that I was still told that I have to provide the 10th receipt in order to lift the restriction and if I cant provide it that my finances has two years to be claimed Or it will be sent to the state.
Product: Credit card

XXXX XXXX will not remove dispute comments from credit report following withdrawal of all disputes and requests from myself to remove comments. Attempted to remove with credit bureaus but comment will not remove because it is being reported by creditor. Apple Card support claims they are unable to remove comments even though credit bureaus are indicating that comments have to be removed by XXXX. Comments are affecting ability to get mortgage approval and are no longer accurate
Product: Student loan

XXXX XXXX University offered me a No payments no interest loan for the balance of my tuition after I graduated I was told that I would n't have to pay every month but I should pay some every once in awhile there was no minimum fee and no minimum payment after a year I found out it was put to collections. once I found out it was in collections imediately negotiated a prompt settlement for {$2000.00} that was due by XXXX XXXX I completed payment of {$2000.00} on XXXX XXXX 2015 on the basis that XXXX release my degree and all documentation between XXXX and myself be submitted to me as well. after a few months I had not received anything and then I got a letter in the mail from XXXX saying I should use my tax refund to pay off my remaining balance of XXXX dollars. I immediately called and asked what had happened they told me I had not made payment in the proper amount of time. so I ask to speak to a manager and that I was told they would return my call within XXXX hours I have since call the XXXX more times are over the course of XXXX weeks without so much as a return phone call or have spoken to a manager. I did everything general revenue corporation asked, I have a recorded phone conversation of them stating the {$2000.00} balance that I would pay and the subsequent payment information I am a XXXX I also have bank statements proving I paid the {$2000.00} and my account still has not been closed
Product: Credit card

I feel that Citibank did not help me as a consumer. I did a purchase that i I never received but a contract andthey refuse to stand behind me. I read on one of my credit card disclosureif your not happy with a purchase you can return it. in so many words. 
I had purchase from XXXX and I feel I was scammed and Citibank didnot help me get my money back. I never used this program or itemthey sold me I had sent a letter to cancel within the 3 days but theysaid it was late regardless I tried to cancel over and over again. 
I will pay a small fee for canceling but I do n't feel they should keepmy XXXX dollars. I never used them and never will. while on theship other people that was in the presentation agree it was a rip offand me like a dummy was rushed thru it and fell for what the salesguys said instead of reading the whole contract because we weregetting on a cruise ship is how they sold XXXX so we did cancel itafter reading it but Citibank refuse XXXX allow us to cancel it or help uscancel they just believed this lieing company called XXXX travels checkthem out you will find a lot of people did they same the thing I did waspay it in full with my citicard and they are not no help so I refuse to payanymore for something I did not receive full service from XXXX I do n't havemoney to throw away. I tried to cancel a number of times with thecompany and Citibank and no one helps me as a consumer. 
it is fraud and a scam help me out please get this resolve. once we gotoff the ship we sent a cancellation letter.. we did all we could toresolve it
Product: Checking or savings account

I have received numerous mailing advertisements from TD Bank. At least one of those advertisements was a direct mailer which made an offer of {$XXXX} upon opening a new account and meeting specific criteria. I followed the link on the advertising mailer to open an account and opened the account through the link. I met all promotion criteria during the time frame, which involved creating a recurring direct deposit from my XXXX XXXX, meeting and keeping an account balance, and keeping my money invested in TD Bank. I made two inquires about the promotion after the requirements had been satisfied and was directed to " just give it time '' before the {$XXXX} promotional value would appear in my account. Apparently the promotion had expired ; however, I did not know it had expired at the time I opened the account and the website link advertised on the direct mailer made no indication that the promotion had expired. I opened the account under the impression that, and for no other reason than, I would be receiving the {$300.00} promotional credit. Now, nine months later, TD Bank refuses to honor the promotion even though there were numerous instances in which they could have told me that the promotion was no longer valid. My money has been tied up in the TD Bank account for nine months, accruing almost zero percent interest, when it could have been earning interest in any other account. So, by TD Bank 's not honoring their advertising promotion, I have lost money.
Product: Mortgage

I am writing this letter to request your assistance with keeping my home. I requested assistance from my lender but their Decision Letter ( Page 1, 3nd paragraph ) stated although I may have a hardship, I do not qualify for the Home owners Assistance Programs listed on their evaluation summary. XXXX See attached documentation. ) On XX/XX/XXXX, XXXX XXXX XXXX, my mother ( co-borrower ) on the loan passed away ( death certificate attached ). Prior to her passing we were on time with our payments. At that time, I made a request to my lender for assistance and was not offered a principal reduction to make my payments more affordable, but was given a modification. My mother and I were splitting the payments of the mortgage, utilities, and the Home Association Fees. We qualified for the home based on both of our incomes. 

REASONS FOR FALLING BEHIND : PHH graciously has offered me a modification, in the past, and I am very thankful. However, due to health related issues and a reduction of work hours I fell behind in my payments. This began to occur around XX/XX/XXXX. During that time, some weeks I worked XXXX hours and other weeks only XXXX hours. Health issues further caused me to get behind in my payments. In XX/XX/XXXX, XXXX XXXX, and XX/XX/XXXX, I was hospitalized and subsequently placed under Doctors care ( documentation for hospital stay and time off from work attached ). 

CHANGE FOR THE BETTER PERTAINING TO FINANCES & HEALTH : Currently, my circumstances have changed for the better. I have fully recovered from my illness and back to working a full XXXX hour work week. My employer is even allowing me to work overtime ; I have received a pay raise and bonus. I have also started renting out a room at my home again so I can maintain my mortgage payments even if my health starts to decline again. 

REQUEST : I request assistance with getting back on track with my payments, such as payment reinstatement and principal reduction. The balance on my loan is around {$410000.00} and I owe a little over $ 25k to get back on track with my payments. 

I am committed to keeping my home, but I need some financial relief with my mortgage, and any assistance you can provide would be greatly appreciated. 

Thank you for your assistance with this matter and let me know if you need additional documentation from me. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

This is the second year Synchrony Bank has automatically switched people to online statements UNLESS you reply to an email. Online statements should ONLY be done at the request rather than forcing customers to opt of online statements and opt in to printed statements. 

This can cause late fees, missed payments and damage to credit histories. It is misleading.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, please be advised that you are attempting to collect on an expired debt. I am invoking my right to cease you, based on factual law that this debt in question is legally expired under the Statute of Limitations. The statute of limitations in the state of Texas is 4 years. This account was opened in XXXX XXXX XXXX. This account and debt should have been ceased as of XXXX XXXX XXXX. Accordingly, I am requesting that you do not attempt to collect this expired debt, and should you seek legal recourse I will invoke my right of the expired statute as a valid defense. Additionally, any attempts to harm my credit rating by updating or changing dates after you have been informed that the debt is expired, are a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me. I am aware of how long items may remain on my credit reports and any attempt to extend the reporting time will be investigated by me and reported to the XXXX XXXX XXXX and my State Attorney General. I am completely aware of how long the debt is legally collectable and how long it is legally reportable. I realize a debt is allowed to be reported to my credit for 7 years, and my research has shown me that often a collection agency will reset the date of original charge off to the date they purchased it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. I noticed that the date of last payment and date last active says XXXX, which is incorrect, and I have all documents to prove otherwise. The account is due to be removed from my credit report in XXXX. I am informing you of this knowledge so that you XXXX do the right thing. I have no intention of renewing the expired statute of limitations, and I expect the following account to be deleted from my credit report within 7 days : XXXX XXXX XXXX XXXX XXXX