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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 card

Chase offers a rewards program with XXXX. 
New customers are entitled to a bonus number of points after sign up and minimum number of purchases. 
Chase did not initially transfer the points because the name on the XXXX XXXX Rewards account did not exactly match that of the Credit Card. 
This was fixed and Chase was made aware in XXXX. At that time, the Chase representative told me on the phone all was in order and the bonus points should transfer on the XXXX monthly statement. 

However, Chase did not transfer the reward points until my XXXX XXXX billing statement. The Chase XXXX Guest Rewards Membership agreement, XXXX : XXXX, states " Points will be automatically transferred to your XXXX Guest Rewards account at the end of each billing cycle ''. On my XXXX XXXX statement, only XXXX of the over XXXX points that had accumulated were transferred. This proves that Chase did have the necessary information to transfer the points. 

I called and emailed several times. Each time I received no help. 

Due to Chase 's error and unwillingness to rectify the error, I was forced to purchase the ticket from XXXX that I should have been able to use XXXX Guest Rewards points towards the purchase. 

In summary, Chase did not follow their own rules in providing the bonus points I was entitled. The only reason why I signed up for the credit card was for that bonus to purchase a railroad ticket for my son attending school so that he can come home over his XXXX break, ironically travelling the same day as the points did transfer. By that time I had to purchase the ticket. 

Chase should not be allowed to promote programs promising rewards and not deliver in timely manner. They broke their own guidelines and should give me compensation.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding fraudulent activity on an unauthorized entry from XXXX XXXX Bank, which has negatively impacted my credit reports with XXXX, Experian, and XXXX. I have identified this account as fraudulent through my review of recent consumer reports, mail correspondence, and confirmation of being a victim of identity theft. I have attached it to a formal FTC Identity Theft Report. 

The specific account in question is : XXXX XXXX XXXX XXXX XXXX This account reflects unauthorized payments and credit line increase requests that I did not initiate or authorize. Furthermore, I discovered that a prior dispute was logged on this account without my consent. I have never provided written permission for this account to be reported or for the transactions to occur.
Product: Credit card

My XXXX credit accounts where closed abruptly without notice I called in spoke to the security team member by the name " XXXX '' He confirmed that all my account where closed He offered to review my account but he would have place me on hold 3-5 mins he came back and told me unfortunately would they would stay closed, he gave me no options The reason given was " not enough credit on credit file and " too much credit extended '' He also said my account activity raised concerns!! 

I feel bullied, I did absolutely nothing wrong. 

why did chase extend credit to me in the first place. 

Why did n't they just decrease the amount of credit given. 

Im just left with nothing, not XXXX of the account where past due I was gon na pay each line in full this friday. 

no balances where gon na be carried over into the following month I have a XXXX income from being re seller on XXXX XXXX helps me better maneuver during a 30 day period I was n't even given the chance to pay the bill The security rep was very nasty and smug.he laughed when I explained that I would fight this unfair treatment he seem not to care that I 'm homeless with XXXX children under XXXX my credit rating will be destroyed due to XXXX closed account with short payment history. 

I moved up to XXXX to be by my sick mother but now I do n't have enough credit to maneuver each month. 

Chase allows XXXX credit line in 24 month period and extended the max too me so why am I being penalized for something when i did nothing but utilize the credit extended. 

Can someone on the executive level please review my account and re-open my account. 
I can submit financials, identity document, etc.
Product: Vehicle loan or lease

Hello, My name is XXXX XXXX. I bought a Used XXXX XXXX XXXX on XX/XX/XXXX. During the sale of the car at XXXX XXXX, in CA, I put a downpayment of {$10000.00} and I was told by the dealership financial officer that Westlake Financial Acc : XXXX is not going to finance my car without a GAP, Extended Warranty, and Extended Maintenance. Before the options my car payment is {$680.00} and after it changed to {$800.00} After doing some research and I found out that I might have been scammed. 

I need CFPB to look into this matter. 
" By Law, a lending institution can not require a customer to purchase an extended warranty, GAP insurance, credit life, disability, or any other backend finance products. '' PS. I am having a hard time sending my car contract to you through the website because my file is too big. What should I do? 

Thank you XXXX XXXX
Product: Credit card or prepaid card

I gave notice and notice is attached. I love you all! Unjust enrichment is not fair nor equitable. 
Subrogation is a form of equity and subrogation is right to subrogation not an opportunity. Equity is recognize by the u.s. constitution article iii subsection ii paragraph i. I certify my right to subrogation and substitution. Being that I am the subrogee and implied surety that was not primarily liable for the debt but tendered all consideration but not a volunteer and performed under legal compulsion to discharge a debt by subrogee. I the subrogee is now entitled to benefit from all collaterals or liens which the creditor held as security ; and since I am secondarily liable is entitled to be subrogated to the rights of the creditor against the person primarily liable. Internal Revenue Service will be notified if this matter is not settled. This is unjust enrichment, and usurpation. A writ of XXXX XXXX lies against you to prevent malversation and peculation. 

So, whenever a surety, or other person secondarily liable, discharges a debt, he is entitled to the benefit of all collaterals or liens which the creditor held as security ; and the person secondarily liable is entitled to be subrogated to the rights of the creditor against the person primarily liable. 

Equity regards the payment by the surety, or other person secondarily liable, as equivalent to a purchase of the creditor 's rights, equities and collaterals as against the debtor primarily liable ; ( XXXX ) pays a debt, or discharges an encumbrance or lien, being under legal compulsion so to do, he will in Equity be substituted to all of the creditor 's rights against the person primarily liable. 

Where a surety discharges the debt or obligation of his principal Where any person, for his own protection, or the protection of some interest he represents, pays a debt for which another is primarily liable. 

Definitions from XXXX business guides dictionary of banking terms. 

Collateral. Asset pledged as security to ensure payment or performance of an obligation. In bank lending, it is generally something of value owned by the borrower. If the borrower defaults, the asset pledged may be taken and sold by the lender to fulfill completion of the original contract. Paper negotiable instruments and title documents. 

Security. Personal asset or property that can be pledged as collateral ; a good faith GUARANTY by a co-maker to pay an obligation if the borrower defaults. ( account was settled ) Equity. Value of stockholders ownership interest in a corporation after all claims have been paid, and thus a claim in its assets in proportion to the number, and class, of shares owned. 

Substitution. Replacement of one creditor by another, also known as subrogation.

Subrogation. Substitution of one creditor for another in settlement of a claim or obligation, or transfer of ownership, as when a mortgage is sold in the secondary market. 

I gave notice and notice is attached. I love you all! 
Suncoast credit union XX/XX/2022 XXXX Green hard copy return receipt tracking XXXX
Product: Debt collection

I open the an XXXX XXXX XXXX Credit Card in XX/XX/XXXX. In XX/XX/XXXX, during the great recession my account was closed and charged of XX/XX/XXXX. XX/XX/XXXX, XXXX XXXX XXXX States they sold the account to XXXX XXXX. However, I have received notices from four different agencies disguising different creditors as the debt collector. Nevertheless, I am disputing the validity of this debt. I know longer owe this amount to original creditor or its affliates. This information has damaged my representation and financial risk in finding employment and living arrangements. I submitted a previous complaint dealing with XXXX XXXX XXXX and XXXX. These are a few of the know debt collectors using my information as tactics to defame my consumer report.
Product: Money transfer, virtual currency, or money service

sender sent {$2500.00} from XXXX in XXXX XXXX. recipient went to XXXX in eastern XXXX  only to find out XXXX has policy of {$2500.00} per day. both XXXX and XXXX are at fault to allow transaction knowing that this can not be processed. sender is on fishing boat don't know why XXXX wants to talk to him as they verified his id when the funds were sent and XXXX won't do anything. question is how can XXXX contract with XXXX  knowingly their limits? so where is this money sitting at XXXX XXXX? 
fyi I am not sender nor recipient just a mom trying to help her daughter resolve this cluster ... calls were made by me and her to XXXX and they won't do anything to help her. XXXX says contact moneygram!.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the 2017 Equifax data breach that i personally was affected by due to my credit and personal information being susceptible to identity theft hackers. This breach has affected my personal life in regards to acquiring credit to maintain and advance my living situation, employment issues and most importantly was housing issues as well. This breach has made my life extremely difficult. The cost of having to freeze and unfreeze my credit reports, the cost of credit monitoring services after this breach, dealing with the fraud and identity theft issues that has been documented through previous CFPB complaints with all 3 of the credit agencies. All these things have severely impacted my financial situation and made my life difficult due to Equifax negligence in securing consumers information. The cost of all of these things is almost incalculable, well beyond {$20000.00} this issue has impacted me in ways beyond money. I filed for the Equifax breach settlement and haven't received a settlement and punitive damages for something that i had no control over. This issue is solely in the hands of Equifax. The punitive damages is beyond and incalculable what the max amount of settlement Equifax is offering. The maximum settlement would hardly suffice.
Product: Debt collection

I consumer XXXX XXXX reviewed a copy of my credit report and understand that National Credit Systems is violating my rights by trying to collect an alleged debt that they are trying to defame my character by placing it on my credit report. I will not continue to allow my right as a consumer to be violated. Under 15 USC 1692, I have laws that protect me as a consumer. This company has violated these laws and I am demanding a remedy and deletion of this account. 

15 usc 1692 a ( abusive practices 15 usc 1692b communication by post card 15 usc 1692 c communication 15 sc 1692d harrassment 15 usc 1692e false or misleading representations 15 usc 1692 f unfair practices
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account XXXX XXXX-Account number XXXX -- XXXX In these 3 months I have not received a notice in over 45 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 3 months as of today. Thank you
Product: Checking or savings account

I wrote a personal check from my checking account from a local Colorado bank ( XXXX XXXX   XXXX XXXX ) to Chase Checking on XX/XX/2019 in order to fund out of state real estate transaction. I was told by the teller that funds will be available in 2 business days ( XX/XX/2019. ( Also printed on my deposit receipt as such ). On XX/XX/XXXX, funds were not available and service representative stated that it would not be available until XXXX of XXXX. Funds have cleared my XXXX XXXX account. 

The rationale Chase provided is it is customary to withhold availability as matter of Chase policy. 

This is the second deposit that Chase is withholding.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/2019 and XX/XX/2019, your account with XXXX XXXX  was removed from your credit report. 


Between XX/XX/2019 and XX/XX/2019 the following remarks were added to this account : Reaffirmation of debt I was not informed, and by law you must give a written notice within 3 days ... you are in violation There is no contract, no valid claim ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow ... this is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Debt collection

On XX/XX/XXXX ECMC was given notice by i : XXXX XXXX, to Cease and Desist collection. This notice was not returned nor did ECMC respond. On XX/XX/XXXX, i notified CFPB via compliant ( XXXX ) regarding ECMC threatening to use my social security and personal information. ECMC responded they have no account with my information. It comes now on XX/XX/XXXX, i received an alert from XXXX XXXX that my credit score was decreased because of 7 ECMC collection accounts added. Upon review i noticed XXXX has the account listed as collection accounts and XXXX has the account listed as credit both accounts list the open date as XX/XX/XXXX. This is a violation to the Cease and Desist Notice dated XX/XX/XXXX, FCRA ( which state debt collector are to report accurate information, FDCPA ( are to cease and desist when notified ). By ECMC attempting to extort i for money not owed this falls under RICO frauds and swindles. This also is paper genocide and violating my indigenous rights.
Product: Student loan

in XXXX I took out a loan from Pave for around {$12000.00}.
I paid it off in full in XXXX and received a confirmation email.
However, I paid interest during XXXX and XXXX and reported that on my taxes.
In the past 2 weeks, I 've tried repeatedly to get in touch with anyone at Pave via phone, and email but received no response. I can no longer log into their website. I am seeking tax documentation.
It feels very scary that they have been so unresponsive for over two weeks.
Product: Debt collection

Navient ( XXXX XXXX ) continues to call me on my job about my ex-husband 's student loan. I have asked them to not contact me. They said that they are calling because he used me as a reference. I spoke with the manager and was told they would remove me from the calling list, but I have XXXX new calls on my voice mail.
Product: Checking or savings account

On XX/XX/XXXX, I received an email from SoFi with the subject line " Important! Activate your newest benefits '' instructing me to upgrade my existing SoFi Money account to their new Checking and Savings option. As part of the email, a {$300.00} bonus for certain direct deposit requirements for " All new members who open a SoFi Checking and Savings account during the Promotion Period and all existing SoFi Checking and Savings customers who have not previously set up Direct Deposit transactions ( Direct Deposit ) into their SoFi Checking and Savings account. '' After the evaluation period, I did not receive my bonus so I contacted customer support. They stated that because I had set up direct deposit in my SoFi Money account in XXXX, I was not eligible, despite the terms clearly stating that an existing member who sets up direct deposit in Checking and Savings would be eligible, which I did. 

Customer service refused to provide the bonus despite me meeting the terms and their reason for disqualification being impossible due to the Checking and Savings product not existing in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, CHRYSLER CAPITAL add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

I submitted a fraud claim to XXXX XXXX XXXX, Federal Student Aid an office of the US Department and American Student Assistance no response XX/XX/2018.Instead my file was transferred to another agency XXXX XXXX on the XX/XX/2018 
XXXX XXXX Garnished me illegally. I had legal counsel at that time. 
We assumed the issue was resolve. I receive a letter from American Student Assistant that I will not be offset XX/XX/2018 I was offset XX/XX/2018 (  enclosed is the letter ) Also I never received notice of Offset. Per the State Treasury funds should be giving back ( letter enclosed ) My Fraud Claim was not reviewed and American Student Assistance refuse to return all funds. I submitted A hardship and I fit every criteria listed even eviction. Also I am on medical leave from my employer due to XXXX. In which I supplied documents I receive no income. American Student Assistance violated FDCPA and FTC and never investigated my claim of fraud also I submitted there letter that they sent me in writing that they will not Offset or take any funds. I forward them back there own letters and documents from the department of treasury Nor Did XXXX XXXX review. All calls were recorded even the call to the State Treasury that there was not a hold on funds. Which was forward to American student assistant, still no resolve.
Product: Credit reporting or other personal consumer reports

They continue use of the name is in violation with the copyright and trademark contract discontinue using the name or legal actions will follow