23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid  XXXX  (   XXXX   XXXX   XXXX   XXXX    )  a sum of money whith they asked for and which they said would satisfy my debt in full.  XXXX  's received and cashed the check.  <P/>  One mon th later I received a letter from a second company which claimed that  XXXX  's (  XXXX  ) had sold the account to them and they attempted to collect on it. I disputed the claim but never heard back frorm the company.  <P/> Months later, a third company demanded payment for the same erroneous debt, claiming  XXXX  's had sold the debt to them. I told them the original claim had been paid to  XXXX  's years earlier. I received no response.  <P/>  XXXX  's, despite multiple attempts to have them rectify the situation, falsely continues to report money as owing to them and continues to damage and impair my credit reputation.  <P/> It is likely that  XXXX  's selling other erroneous claims to second and third parties and failing to make sincere and reasonable efforts to review their false, or possibly falsified records.
Product: Credit reporting or other personal consumer reports

I am writing to dispute incorrect personal information on my credit report. The names XXXX XXXX, XXXX XXXX XXXX, addresses 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 and phone XXXX XXXX XXXX XXXX listed do not belong to me. Please investigate these inaccuracies and remove them from my record. And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the accounts is inaccurate.
Product: Vehicle loan or lease

After a total loss on a new car I financed through Mazda Financial Services, I received a letter dated XX/XX/year>, noting that after receiving a payment from State Farm, I owe {$290.00} to close out the account, and that it was due within 30 days of the date of the notice ( i.e., on or around XX/XX/XXXX ). I went and logged in to the Mazda Financial Services website to make the payment, and have no options to make a payment because Mazda removed all of those options which had previously existed ( i.e. Make a Payment, AutoPay, etc. ). Therefore, I need to mail a check in, which seems unreasonable since I had set up autopay for my car payments. However, today ( XX/XX/XXXX ) I was alerted by my credit card company that on XX/XX/year>, my credit report was hit with a delinquent account report by Mazda Financial Services. This is in direct disregard of their mailed notice giving me 30 days to pay {$290.00}, is unreasonable, predatory, and inappropriate. I have never had a delinquent payment on any account for well over a decade, and am not even delinquent on this account as Mazda Financial Services did not bother sending me a notice of the final balance due until 3 days before they hit me with a delinquent report. Meanwhile the website has not been allowing me to make a payment, and until recently was still reflecting the full car loan balance without the insurance company payment applied. Thank you very much in advance for your assistance.
Product: Checking or savings account

On XX/XX/2023, I opened both Checking and Savings accounts with Citizens Bank, at their XXXX, NY branch. 

I used a promotional offer code ( XXXX ), sent to my address at that time. 
The offer said I would get {$600.00} if I open accounts- {$300.00} for opening a checking account and receive monthly deposits for 3 months. 
- {$300.00} for opening a savings account and kept a {$15000.00} over 3 months. 
- Bonus would be paid on XX/XX/XXXX. 2023 When reaching out in XXXX to complain, they : - Did not have track of the promotion - After I provided the bank with the code I used again, they told me that they found it and ( accurately ) described what the voucher said, that by XX/XX/XXXX I would see the deposit. 

On XX/XX/XXXX, a XXXX after I should have received the bonus, I asked again : - They lost track of the promotion ( again ). 
- After I provided the bank with the code, now there's a " case '' ( XXXX ). 
- A customer representative told me that probably I will see the deposit by XX/XX/XXXX. 

Today is XX/XX/XXXX It's been almost 7 months since I open the account.
Product: Vehicle loan or lease

The SUV loan that I am paying  for via Drive Time/   XXXX   XXXX  is Ridiculous. I purchased a   XXXX    XXXX   XXXX  from this company and the truck has driven well for a ll of 2-3 mo nths. I have had it since  XXXX . The over loan for the car is  XXXX  and the car will not last they length of the loan. It stops in the middle of traffic and the return policy ends after 5 days. None of their approve repair shops have fixed the many issues this SUV began to have after thi s 2-3 period. I a m in the midst of addressing once again the repair issues and the representative has been accommodating. But I  know and they ( Drive Time ) kn ows that this car was a severely used care lemon and the car report card that I was given at the time of purchase was false.
Product: Mortgage

I am filing this complaint against my mortgage company PHH Mortgage. I have already filed this complaint once but nothing was done. The complaint # is XXXX. As I stated in the original complaint, My payment for the month of XXXX went from {$830.00} to {$1400.00}. When I called to ask why I was told it was because my insurance went up, which I confirmed with my insurance company. What I also found out was that the insurance was never paid. It was due in XXXX. So my carrier dropped me leaving me with no insurance for 5 months. My question and complaint is this, if they never paid my insurance, where did the additional {$650.00} go? It did NOT go to the insurance company so it must have gone into the coffers of PHH. Since then I have had to get new insurance and had to pay for a home inspection as well of {$110.00}. I am not going to let this go with this company. If I have to file a small claims case for it I will. I have never filed any kind of claim for anything ever. But like I said, I am not willing to let this go. I asked PHH to apply the additional funds that they charged me for XXXXXXXX XXXX payment to the principal and they flat out refused.
Product: Checking or savings account

I have not been able to close my account. I sent an email and was told to call the 800 number. I called the 800 number and the person told me the account was closed two weeks ago. Then I received documentation in the mail that the bank said I had to fill out. I sent it.
Product: Checking or savings account

Complaint Regarding Failure to Receive Promotional Bonus Dear Customer Financial Protection Bureau ( CFPB ) Representative, I hope this email finds you well. I am writing to file a formal complaint against U.S. Bank regarding their failure to provide me with the promotional bonus promised in their promotion campaign. Despite meeting all the requirements specified in the promotional email, I have not received the {$600.00} opening bonus as offered by U.S. Bank. 

To provide a comprehensive overview of the situation, I have attached the relevant documents for your reference. Attachment XXXX contains the response I received from U.S. Bank and the promotion terms and conditions. Attachment XXXX confirms that I opened my new account with the promotion code and within the specified timeframe, well within the 90-day window. 

According to the terms provided, this promotion was open to customers using the XXXX promotion code but deemed ineligible for those utilizing XXXX XXXX. Regrettably, this policy regarding XXXX XXXX was neither adequately defined nor documented, leading to considerable confusion. To add to the confusion, despite opening the account through the XXXX XXXX XXXX the promotion code " XXXX '' was validated and recorded in their system. Additionally, the U.S. Bank customer representatives confirmed they acknowledged the presence of the promotion code on my account. 

To my dismay, I received correspondence from U.S. Bank asserting my ineligibility for the opening bonus, citing the XXXX XXXX. This contradicts the information provided during the account opening process and is a significant source of frustration. The practice of validating the promotion code through XXXX XXXX during the account opening process, only to later deny eligibility based on the same, is deeply misleading. This not only creates confusion but erodes the trust customers place in the bank 's communication and processes. 

I trust that the CFPB, as the governing body overseeing fair and responsible banking practices, will thoroughly investigate this complaint and take appropriate action against U.S. Bank if necessary. I would greatly appreciate your assistance in resolving this matter and ensuring that my rights as a consumer are protected. 

Thank you for your attention to this matter. I look forward to a prompt resolution and a favorable outcome. Please do not hesitate to contact me if you require any additional information or documentation.
Product: Credit reporting or other personal consumer reports

These XXXX XXXX XXXX XXXX are reporting in accurate amounts and In accurate dates, the balance are consecutively the same amount on some accounts for XXXX months straight have payments that go back to the dates that I established the account have listed negative accounts such as XXXX XXXX was paid off only owned XXXX it says XXXX that was incorrect. These accounts are stating no positive information about the accounts and don't have full details. I'm requesting that they be removed from my file from obtaining the job as well as trying to apply for credit. 

And some of the accounts never owned such as XXXX JP Morgan XXXX i was a voof identity theft a couple of years ago and no one wants to help or reply to my complaints emails anything!! Please assist me with these accounts and Research I have information to provide proof of constantly incorrect input information I am requesting to have these delinquent accounts removed. The data is totally incorrect.
Product: Credit reporting

I called TransUnion at XXXX to put a fraud alert on my social security number after it was released by my employer to the wrong employee. TransUnion had me provide all information into the phone and than provided me with the address of XXXX. The recording told me to send my personal information, social security card, and another form of identification, such as my drivers license. However no other information was provided, therefore I have no idea what I am supposed to send requesting to place a fraud alert on my account, no form or anything. The recording only said send my social security card to this address. I am in a great amount of frustration over the whole process and just want to place a fraud alert on my account to XXXX and TransUnion. How can I get this done?
Product: Credit card or prepaid card

Chase falsely advertises my Chase loans, and they want them to work in a fraudulent way that is unfair to consumers as a whole. In my experience, I took out 2 different loans totaling around $ XXXX. The money was deposited into my bank account and everything seemed fine. Only though that wasn't the case, after 2 months I learned what they're really doing. If you continue to use your credit card as normal like 99 % of the world population. When you pay it off, ALL of the money goes towards your loan balance at the super low-interest rate and you're stuck with credit card debt. For me I NEVER carry credit card debt and never have, I took out loans for home improvement and Chase has conspired against me to make more money. I'm not sure I'll do business with them, I love my rewards card but this is anti-consumer. 

When I called Chase to fix this, the first line rep was completely useless and said it can't be wrong. I got transferred to an account supervisor named XXXX based out of XXXX XXXX Texas and within 5 minutes of her looking she told me my statement was wrong, she immediately reversed the incorrect interest charges and told me it would go to escalation and I would hear something back by Friday. Well Friday and the weekend passed and I never heard anything back, so on Monday I called Chase and got to the right department. I was told they can't view the letters being sent to me, and they're physical mail instead of email or through their messaging center. And that Chase just said the statement is correct and I have nothing I can do about it. So I told them they're fixing it or I'm filing a CFPB complaint and well it's very clear what happened next.
Product: Student loan

My servicer is MOHELA. As of XX/XX/XXXX, I had my last remaining payment to qualify for PSLF. Prior to this, I submitted an employer verification form, believing it would be helpful to expedite the process. I updated all information leading up to my payment being due XX/XX/XXXX for automatic withdrawal. However, the payment did not go through. When I logged in, I saw that I was placed on Forbearance -- one I did not ask for. This happened at a previous time in XXXX as well, when I was placed in a forbearance despite not asking for it. I called MOHELA, and they said the issue would be resolved within 5 days. It was not. I called again, and it was iterated again it would be resolved within 5 days. It was not. I called again as it was nearing the end of the month and I wanted to make a payment. I was told it would be resolved by the final day so I could make a payment. It was not. I called on XX/XX/XXXX, and spoke to a supervisor. She indicated that she agreed with my assessment that I was being punished for a mistake by MOHELA, but I would not be able to make the payment. She said she would move it to her supervisors and it would be resolved by week 's end. Today, XXXX, my payment should have gone through for automatic withdraw. It again was not withdrawn, and I saw I was on forbearance, and that the forbearance was extended another 30 days. 

I did send a written request as well on XX/XX/XXXX regarding this issue, beyond the phone calls. I explained the situation and request that I be taken off of forbearance. Literally minutes ago from writing this, on XXXX, I received a message saying " Our records indicate that you had called in and spoken to XXXX of our Customer Service Representatives regarding this inquiry. We will assume the inquiry has been handled. '' Despite there being a CLEAR indication that I am still in forbearance and that this hasn't been resolved. Again, MOHELA has shown incompetence, the inability to read or to do any investigation or digging, or to seek to help their customers. Despite now having contact with them 6 times in the last month, I've been either treated as a number and money, told different information, or deceptively promised this would be resolved. It has not been resolved. 

At no point in time did I request his forbearance. I have actively tried to resolve this issue and actually BEGGED to make my payment. I continue to be told different information by each individual I speak with, and then promised it will be resolved. And every time I continue to be punished for a lack of competency, timeliness, or attention. It is beyond frustrating that I was already place on a forbearance and not allowed to pay and then punished twice, but now this is a THIRD instance. 

I also requested to make a payment so it would count as my XXXX payment, but I was told multiple times I could not make a payment and that it would not count toward my public service loan forgiveness.
Product: Credit card

Since XX/XX/year>, I have been disputing fraudulent and inaccurate items on my credit reports with XXXX, XXXX, and XXXX. Despite multiple identity theft reports and disputes, the credit bureaus continue to add incorrect items, remove them, and then add them back without my consent. This constant manipulation of my credit file violates the Fair Credit Reporting Act ( FCRA ), including 15 U.S. Code 1681s ( Duty of Fairness and Accuracy ), 15 U.S. Code 1681n ( Civil Liability for Noncompliance ), and 15 U.S. Code 1692 ( Fair Debt Collection Practices Act ). 

Additionally, these actions appear to involve the unauthorized use and monetization of my personal data, potentially implicating the private securities market. I have requested a forensic securities audit to further investigate this matter. 

I am requesting that the CFPB investigate these violations and take appropriate action. I am also seeking compensation for damages from the credit bureaus totaling {$50000.00} each for their negligence and violations of my rights.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, XXXX, XXXX & Experian credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. 



The fraudulent, inaccurate, and false information consists of the following : XXXX. A XXXX XXXX XXXX account opened on XX/XX/XXXX, with a balance of {$10000.00} ( account number ending in XXXX ). 

XXXX. An XXXX XXXX account opened on XX/XX/XXXX, with a balance of {$2200.00} ( account number ending in XXXX ). 

XXXX. A XXXX XXXX XXXX collections account opened on XX/XX/XXXX, with a balance of {$3200.00} ( account number ending in XXXX ). 

XXXX. An XXXX XXXX and XXXX collections account opened on XX/XX/XXXX, with a balance of {$1900.00} ( account number ending in XXXX ). 



These accounts have resulted in fraudulent hard inquiries and collections being reported on my consumer credit report. I have attached a copy of my consumer credit report maintained by all three credit reporting agencies which highlights these fraudulent items. 



I do not recognize any of the accounts, collections, or hard inquiries as reported. These items were not opened, made, or initiated by me and are the result of identity theft and fraud. I have also attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all these accounts, collections, and inquiries are fraudulent. 



Demand for Resolution : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that all three credit reporting agencies block all the accounts, collections, and hard inquiries identified in this complaint from my consumer credit file within XXXX business days of receiving this complaint. I also request that all written confirmation regarding this complaint be sent to me via email at XXXX XXXX
Product: Credit card

Basic background on my credit history, I recently got married and had some medical issues that moved me into some trouble with credit card debt. After 2 months or trying to re-establish and gain control of my credit score, I get a notice from Synchrony Bank that they lowered my oldest credit card limit to make it equal to the current balance. Basically a drop of about {$1800.00}. So, while personally monitoring my score, I watched my score rise from a XXXX to XXXX after resolving a bank error delinquency and paying off about XXXX of my current cards ; about {$7500.00} paid out to cards. After this, my score drastically dropped back down to under XXXX because my Utilization WENT UP from a limit decrease. This decrease also showed that I was utilizing more than 95 % of the card from Synchrony Bank. I then contacted Synchrony immediately to find out why they lowered the limit and it was due to the delinquency ( which had been resolved ). So, in my opinion, it does n't make sense that since my score was low, to make it better by raising my utilization. It just seems like a flawed system. Synchrony wanted to offer to run my full credit report again to try and increase the limit back, but I declined that due to the fact that it would impact my score again. The card was originally with XXXX, and ever since it moved to Synchrony, I have been upset with their bank. The worst part is that this is my oldest account, so closing it would drop my score again. It just does n't seem fair, especially for someone who is doing everything they can personally to recover their score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit bureaus to do a Theral review of the credit report they it but there are still inaccuracies found. in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  has violated my rights, 15 u.sc 1681 section 602a section 2 it also states consumer reporting agency can not furnish a account without my written instructions. therefor they are wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 
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Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter Equifax on XX/XX/2021 in regards to them reporting medical information on my credit report which violates my right to privacy as a Consumer and I still havent received a response yet as to if there is an investigation in progress, please fix this immediately. 

My name is XXXX XXXX and Im submitting this complaint on behalf of myself and would like you guys to proceed forward with this complaint.
Product: Consumer Loan

There is n't a topic above that addresses my complaint. 
I have an installment loan from Big Picture Loans. 
They are owned by an XXXX XXXX in Michigan. 
I took out a loan for {$1000.00}. They take {$250.00} out of your b bank every other week. And none of it is applied to interest! 
They 'd make the XXXX blush. 
Do yourself a favor and stay far away from these slimy crooks!!!