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

On XXXX XXXX, I saw an online offer for a XXXX XXXX XXXX checking account where you would get {$200.00} for opening an account and having 3 direct deposits post to the account. I was interested and followed the steps and successfully opened the account. XXXX XXXX asked for an initial deposit of at least {$25.00} and I provided my routing and account numbers for my Chase checking account to send them a {$30.00} opening deposit. On XXXX XXXX, the {$30.00} left my Chase checking account as a withdrawal from XXXX XXXX funding. 


On XXXX XXXX, I realized I have something coming up where I would n't be able to transfer my direct deposit and fulfill the offer so I decided to close the account. I went to my local branch to close my account and get my initial deposit back but was told it was never received. I showed the branch manager the line item on my Chase account for the funding withdrawal on XXXX XXXX but she was told they had never received it and that I would need to call Chase as it was on their end, not XXXX XXXX. They let me close the account and I was told the initial deposit would come back to my Chase account eventually. I called Chase and XXXX XXXX on the XXXX, XXXX and XXXX and have been bounced back and forth between companies blaming each other for the missing funds. This is n't a large amount of money but I do not want to forget about it and then just not ever get the money back. If I could get help with this it would be great. Thanks!
Product: Credit card or prepaid card

I've included screenshots. My due date is suppose to be on the XXXX of every month yet the date change daily. The other screenshot shows proof my credit limit increase was changed from the XXXX to the XXXX. I included a screenshot of the email i get every 6 months. Yet when i call i get the run around and a bunch of lies. 

I called Continental Finance multiple times within the last 30 days regarding my XXXX Credit Card and have received the run around for almost 30 days. This Company 's employees tell one lie after another. Now i'm being falsely accused of applying for a credit limit increase. It's been 6 months and if i had not called this Company they wouldn't have ever sent me an updated card. Any Company that offer credit cards is suppose to send their customers an updated card 2 to 3 weeks before the card they have expire yet i had to contact Continental Finance only to get the run around for nearly a month. Multiple agrnts told me therevis no valid reason why i never received updated cards. I should've received updated cards in XX/XX/XXXX for my XXXX card and in XX/XX/XXXX for my XXXX card yet 6 months later i had to contact them. I've never missed a payment or been late making a payment. Since i've had this XXXX credit card every 6 months i get an invitation by email to apply for a credit limit increase. Continental Finance have now changed my bill due date which should be on the XXXX of every month along with my XXXX card thru Continental Finance. They also changed the date for my credit limit increase which should be on the XXXX every 6 months like my XXXX XXXX. Continental Finance agents have repeatedly lied that i called in and have been lying for a month that my date would be back set to the XXXX for my bill due date and for my credit limit increase. Their agents lie about anything and they leave you sitting on a call even when you tell them due to XXXX XXXX you can't stay on a long call while they lie about getting a Supervisor. 


A week ago a XXXX agent name XXXX or XXXX from their so called Escalations Department contacted me and left me a voicemail. Since early XX/XX/XXXX i've called her and left voicemail after voicemail yet she didn't bother to even contact me back and it's nearly 30 days later. Customers wouldn't have to keep filing complaints on Companies if they did the right things and not lie snd give customers the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$11000.00}
Product: Mortgage

I am trying to refinance my mortgage from Popular Community Bank to XXXX. We initiated the process of title clearance with Popular bank on XX/XX/XXXX. As per their process, it takes 4-6 weeks. Today is XX/XX/XXXX, two months from the date and they have yet to provide any documentation to XXXX XXXX lawyers so that I can move forward with my refinance. I paid XXXX dollars with a certified check to have this service performed.
Product: Bank account or service

I sold a gift card on my eBay account and i followed the rules and regulation in regards to selling that gift card on the eBay website. I had the payment information go through papal and papal received the money from the customer and told me that it was OK for me to send the gift card to the customer. The customer sent me an email to send the gift card to her email for faster shipping. i sent the gift card to the customer as instructed. pay pal waited 21 day to put the money in my account. after 2weeks of receiving the money pay pal send me an email saying the customer filed a dispute with her back that she never authorized the payment from her account. pay pal went ahead and did there investigation and said unfortunately they are unable to reimburse me because the transaction was not covered under pay pal seller protection.
Product: Money transfer, virtual currency, or money service

I am writing to express my deep concern and dissatisfaction with the recent handling of my account at JP Morgan Chase, account holder : XXXX XXXX, account number [ Account Number ]. Specifically, I am addressing the following issues : 1. Cashed Check : On XX/XX/2023, I deposited a check in the amount of {$2000.00} into my account. The check was duly cashed, and I have proof of this transaction. However, I have not received the funds in my account due to them stating the original person refuses to verify that the check was made out to me. Despite me having a paper proof and a legal binding document that it was made out to me.

2. Account Closure : I received notice that my account, was closed. I have always maintained my account in good standing, and this closure has caused significant inconvenience. 

I kindly request a thorough investigation into these matters and the immediate resolution of the issues mentioned above. I expect a prompt response within [ Specify a reasonable timeframe, e.g., 14 days ] from the date of this letter. 

I am committed to resolving this matter amicably and trust that JP Morgan Chase will take the necessary steps to rectify the situation promptly. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.
Product: Payday loan, title loan, or personal loan

according to loan documents from omni financial a service member who was XXXX  released is no longer held liable for making payments on their loan, that is the reason for the insurance on the loan. for almost 6 years Omni financial has been trying to collect a debt from me, even though i contacted them on several occasions stating and providing documents ( dd 214 ) showing i was XXXX  released from XXXX XXXX XXXX due to XXXX  reasons. Under the SCRA i can not be held liable due to the fact i was XXXX  discharged
Product: Money transfer, virtual currency, or money service

Cash app refused to replace add cash in the amount of XXXX {$500.00} on XX/XX/XXXX from XXXX XXXX. I tried calling the support number and they do not answer. XXXX denied that they reimburse electronic digital wallets but the advertise they do. On XXXX XXXX my cell phone was acknowledged by XXXX 



I M going through identity theft and have since XXXX. I need to have debt corrected from XXXX XXXX XXXX, rent reimbursed to XXXX XXXX, and XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX. 
XXXX and XXXX XXXX XXXX I had data breaches that are liquidating assets. XXXX XXXX XXXX XXXX XXXX XXXX. I have property rights that need to be respected. 

I need my legal charges dropped. I was locked out of XXXX XXXX for XXXX weeks and could not get my debit card to activate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX data breach was with irs and ss.had garnished my wages in XXXX after using XXXX and XXXX XXXX and XXXX. I had just come back from XXXX and got on XXXX and XXXX with the state of XXXX. My XXXX was phished by a frauded XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The scandal 0f my ss money and military rights and benefits and XXXX rights has gone all my life... XXXX XXXX XXXX XXXX 

XXXX caught the scandal in XXXX but was never stopped.
Product: Checking or savings account

I have recently moved from Ohio to North Carolina and bank with Huntington. On XX/XX/XXXX I made a mobile deposit of XXXX from a check from XXXX XXXX. The mobile site on Huntington stated my funds would be available next business day. However they were not. I needed to make another check deposit of XXXX. So I mobile deposited XXXX on XX/XX/XXXX. I called the bank to confim access to my funds but they stated they had to put a hold on my account due to the suspicion of fraud. No one would and could tell me anything else other than I was locked out of my account and wouldnt have access to anything until the following week once everything was cleared. Knowing this I told the representative that I would have to put a stop payment on the second check so that I could have cash available to me since I did not have another bank in my new state. It is now XX/XX/XXXX and my bank still has yet to unlock access to my account I can not see anything online nor use my debit card. I am now being told they are going to close my account due to risk but that is all they will tell me and once it is cleared they will mail me a cashiers check with the money in my account. I attempted to update my address with them over the phone since I did not have access to my account and they are unable to do that as well. My problem is the lack of communication to resolve the problem when me the consumer has done nothing wrong! I need help and I need this to be known that I am putting up a fight because Huntington has not done its job to protect the customer and only penalized me for something that is beyond my control. The check is not fraudulent and the understanding that my friend was putting a stop payment so I would have access to some cash should not be a reason to penalize a customer of 10 years. To top all of this off every day I made a phone call to see the updated status of my account and every rep. was rude and told me a different story of why and when my account would be available.
Product: Credit reporting or other personal consumer reports

I mailed in the IRS forms for the 1096, and 1099C to the IRS as taxable income for this year, ( 2023 ). Therefore, both accounts for the XXXX  XXXX, XXXX, and XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, must cancel the debt ASAP, by deleting the accounts from all credit bureaus that were reported to. 

Per the IRS, tax topic No. 431, of Cancellation of Debt How long does a creditor have to send a 1099-C?

Form 1099-C is a federal tax form required by the IRS. Lenders and other creditors must submit a copy to the agency and to taxpayers whenever they cancel or forgive a debt worth {$600.00} or more. Forms must be sent to taxpayers by XXXX XXXX. 

Is a creditor required to send a 1099-C?

If a debt is owned ( or treated as owned for federal income tax purposes ) by more than one creditor, each creditor that is described under Who Must File, earlier, must issue a Form 1099-C if that creditor 's part of the canceled debt is {$600.00} or more.

What happens if I don't report 1099c?

If you don't report the taxable amount of the canceled debt, the IRS may send you a notice proposing to assess additional tax and may audit your tax return. In addition, the IRS may assess extra tax, penalties, and interest. XX/XX/XXXX Tax Topic No. 431, Canceled Debt It is my responsibility to report the correct taxable amount of canceled debt as income on your tax return for the year in which the cancellation occurred remains, regardless of the accuracy of the Form 1099-C you received.
Product: Credit reporting or other personal consumer reports

I recently discovered that my student loan records were accessed or altered without my permission, and I believe XXXX XXXX was involved. I did not authorize any changes, transactions, or access to my loan information. This unauthorized action has affected my financial records and possibly my credit report. I request an immediate investigation into this matter and the removal of any unauthorized actions related to my student loans. Please advise on the next steps to correct this issue and protect my personal information.
Product: Credit card

I applied for a XXXX credit card. I was told I would receive XXXX points for signing up as long as I had note received a new card member bonus within the past 24 months as per the XXXX XXXX credit card website. I called and spoke to XXXX XXXX in the XXXX office. She was very rude and told me I did not qualify for this bonus even though all of the bonus parameters have been met. She was unable to explain to me why I would not receive my new car member bonus. I believe this is unfair advertising and marketing. i was promised one thing and it was not delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it to my credit report. 

2. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX Account Number : XXXX Please remove it to my credit report. 

3. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX  Account Number : XXXX Please remove it to my credit report. 

4. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX Account Number : XXXX Please remove it to my credit report. 

5. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX Account Number : XXXX Please remove it to my credit report. 

6. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX Account Number : XXXX Please remove it to my credit report. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with XXXX XXXX. I have been timely with all my payments, for 4 years straight. In 2020, I had an accident that totaled the car out. My parent insurance company, XXXX XXXX, paid the larger portion of the remaining loan, about 85 %. My GAP insurance company paid about 10 %, and I had the remaining portion at about 5 %. My last communication from XXXX XXXX was a letter dated XXXX XXXX, 2020, just telling me that my different options for paying off the {$810.00} that was left. There was no timeframe for which I had to get it paid, nor any threat or communication at all regarding reporting it to my credit as a closed account within 90 days. I had purchased a new car in XX/XX/2020, so I had a new car payment. Given the new car purchase, I was not able to make 2 car note payments, so I was trying to figure my finances out. I expected for XXXX XXXX to contact me with a bill, as they have done monthly for 4 years. They never contacted me again, and then all of a sudden, XXXX XXXX, 2020, they reported to the credit bureau that the account was closed, as if I refused to pay it! I was informed by my credit monitoring service on XXXX XXXX, 2020, which was a Saturday. I immediately called but they were closed. I called first thing Monday morning, and asked about options to reverse what they had reported on my credit. They refused to change it, and offered me a settlement. I immediately paid {$480.00} of the {$810.00}, and they accepted payment and told me to dispute the credit report. I filed disputes with all 3 credit bureaus, and as a result, XXXX XXXX is now showing I paid a settlement, but that they charged off over {$2000.00}! This has caused my credit score to be lowered by 75 points! XXXX XXXX  did not give me the notice that this would adversely impact my credit within 90 days, and did not give me the opportunity to pay the account before choosing to publish this on my credit report. I think that is an unfair business practice, especially after I have made on time payments to them for over 4 years. Nothing in my payment history suggested that I would not pay the remaining portion of this bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting a collection/charge off in the amount of {$230.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has in fact been paid in full and needs to report a {$0.00} balance and not be reporting as a collection/charge off. I have attached a copy of the letter showing this account has been paid. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/charge off is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Product: Student loan

Navient offers a 1 % reduction on interest to certain government loans after at least 24 months of consecutive monthly payments. On XX/XX/XXXX, I was reviewing my Navient account and noticed that the interest rate reduction benefit for 2 of my eligible XXXX loans had a note stating " Reinstatement pending ''. I immediately questioned why it would have been suspended in the first place, as I had been making consecutive monthly payments and was receiving the 1 % interest reduction benefit prior to XX/XX/XXXX, at which time I became a XXXX XXXX XXXX  at XXXX XXXX University until XX/XX/XXXX. When I resumed making my consecutive payments in XX/XX/XXXX, the 1 % interest reduction should have simply continued. Problem # 1. 

When I contacted Navient Customer Service to inquire about the discrepancy, they confirmed that I hadn't defaulted on any payments since XX/XX/XXXX, however, their system indicated that I had defaulted on a loan back in XX/XX/XXXX. However, at that time I was enrolled full-time in XXXX XXXX so my loan payments should have been in deferment. But they weren't. Problem # 2. 

Even if I had defaulted in XX/XX/XXXX, which I didn't due to my XXXX XXXX   status at the time, my 24 month history of making consecutive payments from XX/XX/XXXX through XX/XX/XXXX, at a minimum, their system should have reinstated the 1 % interest reduction as of XXXX, however a month after Navient confirmed that they would fix the error within a 24-48 hr turnaround, it still has not been fixed. Problem # 3. 

I've spoken to 4 different customer service representatives at Navient since I first reported the issue on XX/XX/XXXX -- -XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX a supervisor at Navient 's Education department who I followed up with XX/XX/XXXX ) confirmed that I was supposed to be in deferment, as there was a note in their system from XX/XX/XXXX showing that I was a XXXX XXXX XXXX attending since XX/XX/XXXX. However, upon further research XXXX confirmed an additional note in the system from XX/XX/XXXX showing that I was a XXXX XXXX but " not attending ''. And a subsequent note in the system from XX/XX/XXXX showed that I was indeed a XXXX XXXX   attending. 

On my call with XXXX on XX/XX/XXXX, he stated that he would research the discrepancy and call me the next day with their results. I never received a phone call. On XX/XX/XXXX, I spoke with XXXX, who asked me for proof of enrollment at XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I provided it. He confirmed that he had received the document, but could not confirm whether they would apply my interest rate reduction retroactively. He also could not confirm when I could expect a response from them. 

I have informed Navient that while determining the amount of retroactive interest that I am owed is important, what's even more time-sensitive is ensuring that they cease charging me the higher interest rate immediately, as I intend to continue making timely monthly payments. I am not confident that Navient will work with me to achieve a timely resolution and therefore I am reaching out to CFPB to help intervene.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX years old and a co-signor on a student loan administered by XXXX. The loan dates back 11 years or more during which time payments were made timely. Recently, I received word from Experian that a negative credit report had been made against me by XXXX because of a late payment on the account. Apparently, the primary borrower failed to make a payment. This was the first notice of any kind that I received to the effect that the account was in default. I immediately brought the account current. As it turns out, XXXX did not notify me of the delinquency because it did not have accurate contact information for me. This is hard to understand because it had been receiving payments from me for years. In short, XXXX completely failed to notify me, the co-signor, of the account delinquency before filing a negative report about me with the credit reporting agencies. The negative effect of XXXX  report on my credit score has been significant. My credit history is otherwise exemplary. Ive asked XXXX to retract its report and it has refused.