23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2019 I purchased baby apparel for {$38.00} from Kohl 's in XXXX TN, located at XXXX XXXX XXXX XXXX XXXX. The sales representative asked me if I had any coupons and I said no. Then she asked me if I wanted to use my Kohl 's card and I said no. I told her I would like to use my credit card. And, she proceeded to tell me if I use my debit card, I can pay for the merchandise now and that will keep me from paying interest. Mind you when paying with a debit card, there is no interest. So, I said will I can go on and pay with my debit card and not worry about putting the cost on my credit card. Therefore, I gave her my debit card and she asked for my drivers license. At that time, I thought she was checking my identification. But, she proceeds to enter my license information into the register to start a credit card application and the merchant machine was asking for my credentials such as for me to verify my information and it asked for my social security number. At that time she that was the way the system could verify me. I told her to stop and give me my card and license because she was trying to trick me into opening an in store credit card. I told her that was unfair consumer practices and she wouldn't look at me. I don't know if that's the store practice but it can't be right. It is pure deception because they are trying to trick the customer into opening an account. I would like to see something done because this is very inappropriate and in my mind, criminal. Can you assist?
Product: Mortgage

We are trying to close on a mortgage, but Chase JPMorgan Bank ( Hereinafter Chase ) has a  judgment against us, that is inhibiting us from closing. We were not aware of the judgement until the title insurance was complete. We found out about the Judgement on XXXX XXXX, XXXX. We had a deadline of XXXX XXXX for closing on our loan, but have been unable to get any help from Chase or their attorneys regarding payoff and lien release. We have been asking for a payoff and lien release since XXXX XXXX, XXXX and have been getting the run around for almost a month. On the XXXX of XXXX XXXX we stated our request with XXXX XXXX ( Hereinafter XXXX XXXX the attorney who was representing Chase and who recorded the Judgment. His phone number is XXXX. We have supporting documents that we will attach to this complaint showing that XXXX was the attorney representing Chase. After talking with XXXX we were informed that he no longer represented Chase and that the firm he was working at when he was representing Chase is no longer in business. XXXX gave us a number of another Utah firm that he had forwarded the case files to, we contacted them by Phone and by email. This firm, that now has the case files and is now representing Chase is XXXX XXXX. I spoke with XXXX XXXX XXXX ( XXXX ) and he passed us on to a XXXX XXXX a XXXX attorney in the firm. His number is XXXX After a week or so of us emailing and calling him everyday, we were told by XXXX in an email that Chase had told him to not help us and that we needed to contact them directly. We spent the next week on the phone for numerous hours on hold, and was passed to this department to the next department, Just more run around. Here is a list of all the emails that I was ask to correspond with XXXXXXXXXXXX, XXXXXXXXXXXX XXXXXXXXXXXX, XXXXXXXXXXXX We even had a XXXX way with Chase that involved our mortgage broker XXXX XXXX her number is XXXX you will see she is attached to the inquiries about getting a lien release and payoff amount as well. We are at risk of loosing the Home now because Chase is un-willing to help us, we are trying to pay them money and they could care less.. We really need someone to intervene before the seller pulls the plug on our purchase agreement.
Product: Money transfer, virtual currency, or money service

I've had money stuck on Binance.US for over a year. I had been able to withdraw in the past but they changed some policy last year ( not allowing trading of XXXX or withdrawals of XXXX, and now I can't trade or withdraw XXXX ) leading to many users being in the same predicament as I. You can search online forums like XXXX  to get a feel for the large amount of people who they have scammed/ made life miserable for. 

I've sent numerous emails, a bunch of documents to prove my identity, including my social security card, bank statement, license, picture of me holding license and they still haven't allowed me to access my money.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX - Balance : {$3500.00} XXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX - Balance : {$3000.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX - Balance : {$110.00} XXXX # XXXX Date Opened : XX/XX/XXXX - Balance : {$740.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX - Balance : {$4200.00}
Product: Credit card

I received an email with an advertisement. They promised a reward for using the card for transactions totalling at least {$150.00}. But I did not get the reward, despite spending more than {$250.00}. I called up the contact center. After being on the phone for close to an hour, I was told that they did not have a record of any such promotion. I feel it is a case of false advertising.
Product: Credit reporting or other personal consumer reports

These accounts have resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquires are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your settlement for improper use of individuals private imformation was settled improperly. I didnt agree to a monetary compensation. I would like 125 points added to my credit score. The conditions of this economy are not and have not ever been fair to people of XXXX. XXXX is derived from the old English language meaning hidden as to say people of XXXX are to be kept away from acquiring assets such as property because they are considered property. I fell as though you should give people of XXXX a fair chance at property ownership. The Americans dream should not be owning a house. That should be the benefit of being American.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching the letter that I sent to the credit bureaus on XX/XX/XXXX, requesting a credit investigation. I have yet to receive my responses. It has been over 100 days since I mailed my letter, and they were supposed to respond within 30 days.
Product: Checking or savings account

I would like to link my personal PNC checking account to the XXXX XXXX Savings program and apparently PNC doesn't allow that. Currently the interest rate with them is .56 APY and I want to jump before this goes away. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  the following accounts XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) # XXXX, XXXX XXXX XXXX XXXX, XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently ( early XX/XX/2020 ) I submitted my 605B dispute to experian with my ID theft affidavit and all other documents.3 of the 4 accounts were removed correctly however the wrong XXXX  XXXX account was removed. The XXXX  XXXX account that was removed was an account I was an authorized user on not the fraudulent account from years ago ( the numbers were similar ) .Here are all my documents again with the correct XXXX  XXXX account highlighted.Can you please make sure this gets to the right person as quickly as possible.
Product: Student loan

I went to college, got financial aid ....

I didn't finished my 1st terms,,,, and I went back a year later,,,, and couldn't get back in school until reapplying for the school, which means another student loan over my head .... then my 2nd terms wasn't even a full course that was recommended to completion,,,,, so in other words,,,, I didn't needed the full loan,,, but now it's ruining my credit score
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TRANSUNION Credit Bureau have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 
XXXX XXXX XXXX ***** Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX of 2018, I opened an account for a auto insurance policy. 

1. Records will show that I paid the full amount for the down-payment.

2. Thereafter, a number of the consecutive monthly were successfully submitted via a auto-payment from my bank.

3. The monthly payments at that time were approximately {$210.00} per month, during the initial term. 

4. When the insurance policy renewed at the end of the first term, it was increased, without my written consent, to more than {$1000.00} per month. 

5. There isn't any document which can be produced by the company that will show that I approved this egregious increase.

6. I have disputed this fraudulent claim for many years now, to no avail.

7. I ask that CFPB provide me with some assistance to remove this from my credit reports.
Product: Checking or savings account

I am unable to open any bank accounts. When I went to a bank to open a account, they said I was unable to and gave me the information to figure out why. I contacted check systems and when online and had a consumer report sent to me on there. There was no reason why I should not be able to have a bank account. There's no fraud or security alerts. I don't owe any banks Any money or anything like that? The only thing that was on my report is that I have tried to have multiple accounts opened. Because I don't know why I can't open a bank account. There is no reason why I should not be able to whatever they are doing is fraudulent. Because I am unable to open a bank account
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXXXXXX XXXX XXXX XXXX
Product: Credit card

I have been dealing with unauthorised use of my personal information. This results in unauthorised items on my credit report, which has caused a huge decrease in my credit. This is affecting me personally, mentally, and financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX XXXX XXXX****
Product: Checking or savings account

At Capital One I have had a checking account for over 15 years. They offered {$250.00} to open a new checking account and charge {$10.00} dollars per check if I keep the old checking account and ask for single checks. Being a good consumer I asked that the bank start a " new account '' and therefore I could receive a good and fair checking account. I was refused.
Product: Credit reporting or other personal consumer reports

Target Credit is intentionally trying to ruin my credit. Target Credit has reported derogatory, incorrect reporting on my credit file. I have had this credit card almost a decade and has always paid timely.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I finally got an email with a link to sign up for a free 1 year of credit monitoring ( XXXX XXXX XXXX XXXX  ). Unfortunately, I am unable to login to my account. My password is not valid. I could not reset. I wanted to freeze my credit report with XXXX. But access to website, and toll-free calls to XXXX  have not been helpful. They indicate company is overwhelmed with many requests to do anything to freeze, signup for their XXXX service, reset passwords, or even request a free credit report. Each day I try to call or go on the internet to contact them is fruitless.
Product: Mortgage

Amerisave Mortgage Loan Processor XXXX XXXX instructed me to write in 2 answers from our Home Owner 's Association President XXXX XXXX on the Condominium Questionnaire that she gave to me over the phone, as she does not own a computer nor smartphone, and does not have an email address. After following XXXX XXXX instructions, and scanning the questionnaire, and email it to XXXX with the 2 omitted answers completed, Amerisave has had their affiliate XXXX contact XXXX XXXX numerous times, for the same information, over a period of days, regardless of how many times she has called back in to explain to them that she did in fact answer those 2 - and all - questions on the questionnaire. Amerisave and XXXX continue to harass her, even as recently as this morning, with 9 new calls on her voicemail from 6 people asking again for the same information. She is practically in tears trying to comply with Amerisave to do a good job for me ( the borrower ). Amerisave loan processing manager XXXX XXXX has ignored my numerous pleas for a brief phone call so I can be reasonably assured someone has a handle on our application, and he has flatly refused to call me to discuss the situation, and instead merely emails me stating he will not have these affiliates contact anyone regarding the condo questionnaire until he determines if it is even required in this case ( as I have been pointing out, this is an 8 % LTV primary refi with no appraisal required ). That was yesterday, today we have the 9 new calls, after at least 6 people have reached out to her prior to yesterday, for this same information. 

This is after we have had to re-sign our P & L 6 times, to accommodate gross incompetence on the part of XXXX XXXX and Amerisave loan processing in general. This level of incompetence combined with the numerous phone calls constitutes harassment. I would like this looked into and pursued by your agency on our behalf, and to let us know the outcome. I am more than happy to provide any and all info that could be helpful in your handling this issue. Thank you in advance for your help. 

People ( that I know of ) who are continuing to pursue XXXX XXXX for the same information after being asked to stop. 

XXXX XXXX XXXX XXXX XXXX XXXX Also, someone named XXXX, and another person named XXXX, have both also been calling but did not email that we are aware of. There may be additional people, this list will hopefully suffice given the nature of the complaint. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

This is to express my dissatisfaction in regards of the ongoing negative accounts on my credit file. This situation is causing significant inconvenience and frustration. The inability to correct these late-opened accounts is impacting my financial management and overall trust in your services. I request an immediate and comprehensive review of my case. Your efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment, I feel there are still accounts on my file that need to be corrected or removed. For that reason, I request that all of the attached inaccurate information listed in my credit file be corrected or removed immediately. 

XXXX XXXX XXXX XXXX Balance : {$34000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the late open must be corrected. 

XXXX XXXX XXXX Balance : {$10000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX XXXX Balance : {$440.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 

XXXX XXXX XXXX Balance : {$460.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX Balance : {$3600.00} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

XXXX  XXXX XXXX Balance : {$0.00} - This particular account is undoubtedly placed as a charge-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off. Please eliminate the item certainly.
Product: Payday loan, title loan, or personal loan

I received a payday loans from Greenline loans for {$300.00} on XXXX XXXX. I have paid {$500.00} as of XX/XX/XXXX XXXX on the loan and a balance of {$400.00}. I wasnt aware the interest rate was 748 % on the loans. I also was inform that by it being a XXXX loan company they can charge whatever fee they want. They will not just take the {$200.00} loan fee they want {$600.00} loan fee. I pay {$100.00} a month but I cant afford it.
Product: Debt collection

I noticed that there was a debt on my credit report that I did not recognize about six months ago but apparently this debt is from 2015 so I called the number listed on the report to find out what was going on. When I talked to they they told me it was a debt for a cell phone or a bill, Im not exactly sure. Apparently they collect for severaXXXX XXXX  phone companies. They couldnt give me any information or find and account after I gave them the last four numbers of my social security number. I was informed that there were eight other people with my same first and last name. The rep told me to email the company for more information so I did. Only after I had given them the last four of my SS did a receive a Validation of debt with the last four of my SS, which was their so called proof but I had just given them the last four of my SS. I told them I wasnt going to sign the paper because it isnt my debt. I asked them to send me proof that this is my account such as a signature or something other then the last four of my SS which I had given them. As of right now I am still waiting for a reply back with the proof. Please help me because I dont know what else to do. Ive also disputed this with a three Credit bureaus several times. I guess call the police on Monday to file a fraud complaint. I also informed the company that I was going to file a police report. The companies name is XXXX XXXX and associates their Email is XXXX. 

Thank you XXXX XXXX XXXX PS this is the second time I have contacted you about this situation but I didnt think I had send everything so sorry for the redundancy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Student loan

NAVIENT is requesting an unrealistic amount of money for bulk repayment when Ive already expressed not being able to meet the minimum they requested after my lower payment agreement expired. This began 2020 and continues to current date. They have called multiple family members attempting to extract information from them posing as a job requesting a reference. My co-signer who is my stepfather is in the hospital and currently getting calls asking him to drain his XXXX to pay for my loan when he will likely have to use it to pay for his medical expenses if he lives.