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

I have a chase XXXX XXXX card ( {$450.00} annual fee ) and utilized my points to book a hotel reservation ( worth ~ {$250.00} ). When I went to the hotel, they charged me for the room and billed to my credit card, even though I had paid for the entire transaction with my points, which were deducted immediately from my point balance. What makes the {$450.00} annual fee for this card somewhat tolerable is the {$300.00} annual travel credit you receive towards travel purchases as they appear on your statement ; however, this process is automated. When I was billed ( incorrectly ) for my hotel that I paid for with points, the expense was automatically accounted for in my yearly travel credit, consuming {$250.00} of the {$300.00} for which I am eligible to receive credit on travel expenses. I have now spent ~3 hours of my time on the phone with chase customer service and travel, who originally said they could reset the travel account so that I wasn't penalized for the incorrect charge ... they have yet to do so and now claim that they are not able to reset the travel credit since it is " automated. '' At the end of an additional ~1 hour phone call with them, when I asked to investigate and review the previous calls that they claim are " recorded, '' while in the process of initiating the claim, they dropped my call and have yet to call me back. I am very unimpressed with their customer service, marketing, and all around with my chase XXXX XXXX card experience.
Product: Mortgage

It is with great regret that I must continue to complaint to you regarding the treatment I have received from XXXX and SPS servicing. Inc. 
I have submitted various loan modification packages to no success. I must explained that I have experienced a financial hardship for about five years ; as a result I defaulted on the mortgage for my primary residence. This was also due to the incompetency of XXXX XXXX XXXX and SPS servicing. I was also financially injured as a result of their incompetency and miss interpretation. They have ignore my packages and request for a resolution. They have provoke for me to incurred this debt. I had to file bankruptcy. I still presently occupied this property with my family. I fell apart with the economy including loosing rental income from my XXXX XXXX business. I have had quite a journey. 
I am now recovering and trying in the worse way to come to a resolution with SPS servicing. I am XXXX   XXXX  as a XXXX. I am fighting this economy and succeeding. SPS Servicing has claim that the Private investor on this account had recommended a payment plan that is ridiculous. It actually injures me more. They are not willing to a decent resolution. Please review my financials for I need to keep my home. 'This is affecting my family. 
I have gone as far as doing a forensic review through XXXX XXXX  XXXX XXXX. 
I have attached the report for your review.. It is my understanding that No mortgage assignment was recorded indicating the mortgage lien was ever assigned to XXXX XXXX. On 2009, XXXX XXXX filed a lis pendens and foreclosure lawsuit against me. XXXX XXXX. 
The lis Penden and foreclosure complaint indicates the mortgage assignment had not been recorded with XXXX county Clerk prior to commencement of ligation .XXXX XXXX, XXXX XXXX XXXX di not endorse the note. THERE ARE NO MORTGAGE ASSIGNMENTS RECORDED FROM THEM. 
I also understand that SpS Servicing can not foreclosed with out recorded assignments. I am in the process of trying to find a competent attorney to handle this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item has been reporting on my credit and i have tried to dispute it directly with the company, but i have not been success.The following accounts are not mines and to my best of knowledge i am a victim of identity thief.XXXX XXXX XXXX XXXXXXXX$XXXXXXXX BANKRUPTCY COURTDocket #: XXXXBANKRUPTCY COURTDocket #: XXXX BANKRUPTCY COURTDocket #: XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion is reporting and inaccurate bankruptcy on my credit report. XXXX just recently removed it. 

I have attached a letter on company letter from the courthouse address in which both bureaus sent me an updated report on, the courthouse would be the valid furnisher. Both XXXX  and Transunion failed to validate the unverified and inaccurate bankruptcy in compliance to Fair Credit Reporting Act 601 a ( 2 ). Both bureaus have XXXX XXXX and XXXX and verification methods, but The Fair Credit Reporting Act mentions nothing in section 1681c relating to bankruptcy about dismissals or filings. The Law clearly states date of adjudication or date of order for relief. You have no right to maintain information which the  government has deemed as non-existent. I am exercising my rights in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act that you delete this from my credit report and send me an updated copy.
Product: Credit reporting or other personal consumer reports

I have attempted to get a copy of my Lexis Nexis report to no avail. I called multiple times and have also emailed them. 

I need a copy of my Lexis Nexis report sent to me via email at XXXX I am attaching my ID and proof of address. 

Please email it to me in the next XXXX hours
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor, XXXX has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681, section 604 A Section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

First these accounts are not mines. Some were deleted from credit report then re-added to my report. The collection accounts I have attached disputes with company and Attroney General of those states company is doing business with.

These are the XXXX   accounts.

1. XXXX XXXX XXXX {$4100.00} Closed 2. XXXX XXXX XXXX {$1400.00} Closed These are my XXXX accounts. 

1. XXXX XXXX XXXX XXXX Last reported : XX/XX/2018 {$3000.00} 2. In Collections/Charge-off XXXX XXXX XXXX XXXX  Last reported : XX/XX/2018 {$5500.00} 3. XXXX XXXX XXXX Last reported : XX/XX/2018 {$3900.00}
Product: Student loan

I've been battling with this and been trying since XX/XX/XXXX to XX/XX/XXXX to have this loan removed by Navient. I've called to complain about a loan they said I owe. I called an asked for proof I signed for it an was told they can't provide me with a note instead they mailed me a receipt with the amount I owe which is {$15000.00}. It was less back then an it just kept going up. I didn't want on my credit as negative so put it in deferral to prevent my credit from going bad or having my income tax return taken.I disputed with all three credit bureaus an was told this was accurate an they submitted information but I have yet to see anything. I'm asking for proof that's all period. If they can't this company needs to remove it, including all three credit bureaus
Product: Debt collection

Around XXXX I reached out to preferred lease to get a copy of the lease agreement and what was purchased. Representative stated that they offer leases for different things and was not able to pull up an account for me. I explained that I needed a copy of the purchase agreement because I felt that I may have been used in some fraudulent transactions and I needed the information to file a police report. They put me on hold came back and said that they dont have any information. And to place me on hold because I wanted the call escalated to management. A few minutes later call was disconnected. I called back got the same response from different rep.
Product: Prepaid card

On XX/XX/XXXX, I received an email saying I had won a {$50.00} American Express XXXX Card from a sweepstake I had entered, ( XXXX XXXX XXXX Promotion ). I filled out all the paperwork and received my XXXX XXXX online, in my email. 

I tried the card out and ordered a {$8.00} pizza. It went through with no problem. However, when I tried to use the card several weeks later, it wouldn't work. I tried several different stores, and it just wouldn't work. The different stores tried to take a small fee off the card for the use but those fees never went through either. 

I did contact a few of the stores like XXXX XXXX XXXX, Little XXXX, XXXX XXXX and they all told me the card would not work, even when I gave them the numbers over the phone. So, I contacted American Express XXXX XXXX at the number that came with the card. After talking with them, I was told that the card was working fine, and they found no problem at their end. I was told to make sure I entered all the numbers and the CVV as well. 

So, I tried again that same day and still, it would not work. I called back and they said there was nothing they could do because the card was still showing up as working and they saw no reason to replace it. 

I did contact a XXXX XXXX XXXX, who was the Sweepstakes Coordinator. He said that according to the rules, once you receive the prize, the card, they are no longer responsible for it or any problems that might occur while the card was in my possession. So, that was out. 

I don't understand why American Express wouldn't issue me a new card and deactivate the one I have. I mean the card has an expiration date of XX/XX/XXXX. So, I don't understand why not? 

I have a balance of {$41.00} as I just checked it. All I want is a card that works because I see no reason to lose that {$41.00} This really is unfair. I don't know what else I'm supposed to do. 

I don't have any response in writing from American Express. I only have the original paperwork from the sweepstake win. I don't know if it'll help but I'm sending it along, Thanks.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX Santander Bank issued me a late payment fee for my Line of Credit Account which I owed to the bank a minimum of {$3000.00} I has paid the bank in principal to pay them off after our banking relationship had been terminated in XXXX. Santander said the regular payment was due a sum of {$49.00} and on top of that late fee {$20.00} on top of that {$69.00} I paid over {$220.00} and up till XX/XX/XXXX of XXXX when it closed I demand Santander to reimburse me the {$200.00} and the {$69.00} for the late payment in XX/XX/XXXX Santander paid me a refund of XXXX cent yes XXXX cents its in their data banks.
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 items 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 any item 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. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$4300.00} ; US DEPT ED XXXX Balance : {$3100.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$960.00} ; XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$830.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$690.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DP OF EDUC XXXXXXXX Balance : {$3100.00} XXXX DP OF EDUC  XXXX Balance : {$4300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; 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: Student loan

In XXXX I starting going to school at XXXX XXXX. I graduated in XXXX. They took out XXXX in private student loans. I didnt realise at the time that they were extreamly high interest. Today I know owe XXXX. 

I have only paid XXXX in principle and XXXX in interest. I have paid XXXX over the origional loans in just interest. I have had these loans for 17 years and owe double the origional loans. 

I have seen multiple lawsuits against ITT tech and others have had their private loans canceled. I have spoken with Navient countless times and their only options are do an interest only payment to get it to a payment I can afford. Thats just adding to the issue. 

Please help get these loans canceled.
Product: Debt collection

I have sent this company a cease and desist. This company has refused to adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter. The company has also been found to impose as a collection agency, when it is listed that this company is not legally blinded and or insured to collect in the state of Maryland. Please have this company cease all collection activities. this is my last attempt to complain outside of court.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXX XXXX Account XXXX XXXX, Account XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall 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 information is inaccurate.
Product: Debt collection

Portfolio Recovery calls my personal cell number everyday for the past 3 months from multiple phone numbers always after XXXX. When I answer they hang up and they never leave a message. Today XX/XX/2019 they called my place of employment between XXXX XXXX and they continue to hang up. I'm just learning they served court documents to my ex husbands parents home which I have never lived at and told them what they documents were.
Product: Mortgage

I am trying to get a HARP Loan from XXXX, but my equity loan is with SunTrust. 
This problem between the XXXX banks has been going on since XXXX 2015. 
SunTrust was supposed to sign a Subordination for my Equity Loan. 
I sent my check on XXXX XXXX for {$250.00} with the paperwork from XXXX bymail to the bank. Three weeks later they did not receive it. I then tookthe paperwork and new check to the bank and gave it to the branch Mgr, XXXX XXXX. 
I just received another letter saying that the they would not sign thepaperwork because they did not receive the check or paperwork. I havecashed check! It was cashed on XXXX XXXX. XXXX said they could notaccept the canceled check I had in my hand! This is the bank thatactually cashed the check out of my account. So once again I went to thebank and handed a new check and paperwork to XXXX XXXX XXXX XXXX Florida. This again is holding up the HARP loan from XXXX. 
It 's been 4 months because they have either lost or ca n't keep theirpaperwork in order. Then they sent me a letter saying they did n't think Icould meet my financial obligations. Which I have been doing for thepast 20 years and my FICA score is XXXX. Then they sent me theMISSING check back in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was dated XX/XX/2023, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible : 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 I hae bene disputing these items multiple times and yet the Credit Bureaus have been adamant in ignoring my requests. They have not also sent me copies of documents they found supprting their claims that the disputed items belong to me. Without these documents, the disputed items should have been removed from my Credit File.
Product: Credit reporting or other personal consumer reports

Issue with Sunrise Credit Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I am filing this complaint to address derogatory account that has been reported on my XXXX credit report by XXXX XXXX XXXX. The account, reported on XX/XX/2023, shows an account balance of {$810.00} and has negatively impacted my credit report. I want to clarify that I do not recognize the acct in question and do not owe the amount stated. Someone fraudulently opened an account in my name has caused me significant stress and has adversely affected my credit score. In the past, I recall speaking to a representative at XXXX XXXX XXXX regarding the fraudulent account that I had never opened. I forwarded my personal documentation, proof of residence upon XXXX request and I thought that was the end of this situation. However, according to XXXX XXXX XXXX  derogatory remark was placed on my credit report. I contact XXXX and forwarded a letter and XXXX XXXX reply stating contact XXXX. I did and spoke to representative name XXXX. Upon answering her questions I am not the person who open the account. She indicate to speak with XXXX about the credit reporting. This is unfair, stressful, and interfering with my credit report and reported derogatory mark. According to XXXX XXXX  XXXX  it clearly states Sunrise Credit Services , Inc reported the derogatory. They need to be held fully accountable and no one at their office is accepting the responsibility as to who contact XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made my first payment to XXXX and to XXXX XXXX of {$68.00}. On XX/XX/XXXX I made a second payment of {$35.00} to the same place. The former was for XXXX shirts and the ladder was for a hat. I never received either of them. I do not believe XXXX to be a scammer but I do think there was negligence as there are other people who have said they didnt get their orders as well. I tried contacting literally every where during the time period I could dispute. They would always redirect me to another place. Keep in mind I was a CHILD. I was XX/XX/XXXX and didnt know how to do those kind of things so you can imagine what its like as a kid to not be heard out trying to figure out what happened. I am now XXXX going on XXXX and still do not get a fair case because no one has helped me at all. Please contact paypal, XXXX, XXXX to get my refund. Its all I ask for.