23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Chase has a " Shop Through Chase '' program where you get a percentage of your purchase price back as points when going through their website to make the purchase. They had an offer for XXXX XXXX where you receive 8 % back in bonus points on purchases, with TVs being included ( screenshot of the offer attached ). The details of the purchase are as follows : Credit Card : Chase Freedom ( Last Four XXXX ) Retailer : XXXX XXXX Item Ordered : XXXX XXXX XXXX '' OLED TV Order Number : XXXX Order Date : XX/XX/XXXX Cost Pre-tax : {$2200.00} Total Cost : {$2400.00} 8 % Bonus Points I should receive : {$180.00} After making the purchase, I waited but never saw anything in the " Shopping Trips '' section that should show any transactions that were made. On XX/XX/XXXX, I made another purchase through Shop Through Chase at XXXX XXXX, and after only a few hours, the transaction showed in my shopping trips ( screenshot attached ). I ended up cancelling my order, but this was proof that I should have received confirmation of the bonus points by then. 

I sent a secure messages to Chase starting on XX/XX/XXXX to find out what was happening ( All Messages attached ). 
- The first person that responded was able to see on XX/XX/XXXX the points posted to Shop Through Chase on her end, but then went on to talk about why I might not get the points. 
- I followed up asking for confirmation that I will get the bonus points, and was told my case would be sent to a different department. I was then asked to provide a screenshot of the offer, which I did ( attached ), and got told to wait again while they escalate to a different department. 
- After 7 days, I was never contacted so reached out again for an update. On XX/XX/XXXX, someone from XXXX responds simply stating general information about the program and that I need to contact XXXX XXXX for help. This makes no sense as this is an offer from Chase, and their own FAQ says to contact Chase for any issues with their program. 
- I sent another message, confused on why XXXX is talking to me, and trying to get actual help on XX/XX/XXXX. 
- A full 10 days later on XX/XX/XXXX, I get the same message from last month that they don't see the offer and ask for another screenshot. I provide this the same day, and I am told again the case will be escalated. 

I have spent over a month on this and can not get anyone to help me. I keep on repeating myself, getting pushed through different queues, and not getting timely responses. I did everything correct so just want the {$180.00} in bonus points I am owed. 

Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from my homeowners insurance dated XX/XX/XXXX, " XXXX XXXX '', stating that an insurance score was received by LexisNexis Risk Solutions XXXX Inc., which has affected my insurance score. On XX/XX/XXXX, I submitted a letter by certified return receipt to LexisNexis Risk Solutions requesting a copy of my FREE report. After making a phone call to LexisNexis in XX/XX/XXXX, I finally received my report dated XX/XX/XXXX two months shy of ONE YEAR of requesting this report. Once I reviewed this report, I noticed that the most of the information UNDER my NAME belonged to my DECEASED FATHER. I have disputed all these errors with proof of identity multiple times via certified mail and LexisNexis STILL HAS NOT CORRECTED MY REPORT deleting ALL my DECEASED FATHER 's information and my mother 's information from my report. My next step will be filing a lawsuit. This inaccurate report has cause hardship, pain and anguish, as well as, so much time spent in the attempt to resolve this issue. LexisNexis reporting practice is a Violation of the FCRA. 

LEXISNEXIS 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 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: Debt collection

Hello, As stated in the complaints. I have fraud alerts and freezes on my credit because I was a victim of identity theft in XXXX. As a result my credit report as alerts on them until XXXX. Im not sure how someone got a hold of my information and attempted to apply for credit. I received notification that someone applied for a credit card with this company. I was unsure as to why it happened as I have a freeze and fraud alert on my credit reports to prevent unauthorized inquiries from happening.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I scheduled payment, selecting the PAY IN FULL option via XXXX website. I do not shop at this store often, so I pay my bill in full when I use my card. 

The amount was paid and deducted from my checking account, as arranged. 
I never received any further correspondence from XXXX. 
Upon receiving an email from Experian ( the credit reporting agency ) that my credit score dropped XXXX points due to non-payment, I found that XXXX charged an after the fact interest amount of roughly {$6.00} and then charged an additional {$1.00} per month fee for XXXX and XXXX, but NEVER contacted me to pay these amounts. 

After 90 days they then turned this report over to the credit bureaus and have destroyed my perfect credit!! 
Once I was in contact with XXXX, I paid the {$8.00}, but they are refusing to remove this erroneous statement ( 90 days past due ) from my credit report. 
I have since closed my XXXX account. Had I know they could charge interest AFTER THE FACT, I would never have used this card.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to dispute the presence of certain items on my credit report, that are fraudulent. I have previously disputed these items, but they continue to be reported on my credit file. I am requesting that these items be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605b. As you are aware, FCRA Section 605b states that any information that is inaccurate, incomplete, or can not be verified must be promptly removed from an individual 's credit file. I believe that the items in question fall under this category, as they are fraudulent and do not accurately reflect my credit history : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$2600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XX/XX/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 IOWA XXXX XXXX XXXX. XXXX, XXXX. I have taken all necessary steps to dispute these items with the relevant parties, including contacting the creditors and filing police reports. However, despite my efforts, these items continue to be reported on my credit file. I request that you investigate this matter further and remove these fraudulent items from my credit file as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX US DEPT ED Account # XXXX US DEPT ED Account XXXX XXXX DPT ED/XXXX Account # XXXX XXXX XXXX Account # 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 card or prepaid card

On XX/XX/XXXX I contacted Bank of America via text chat within mobile app to ask why a balance transfer due XX/XX/XXXX was not being reduced. I was told that any payment made in excess of the minimum payment due is applied to the balance with the higher interest rate. There are XXXX balance transfer offers that I took advantage of. The first, due XX/XX/XXXX, was a 0 % balance transfer offer initiated XX/XX/XXXX for {$3000.00}. The second offer was 1.99 % at end of XXXX XXXX for {$4900.00}, due XX/XX/XXXX. I asked how I could request that the next payment received, which will be XX/XX/XXXX due my bill pay schedule, be applied in FULL to the amount due XX/XX/XXXX balance. The Rep said that to be fair and consistent with all customers they could not, and would not, apply my payment to the balance that is due XX/XX/XXXX. Further in order to pay off the XX/XX/XXXX balance of {$1900.00} I would need to pay the {$3000.00} balance due XX/XX/XXXX. For a total due of {$4900.00}, in less than 2 months. The credit card has always been paid every 2 weeks so has never been late, and all payments have been in excess of the minimum balance so that I meet my obligation to pay off the balance transfer the B of A offered. Yet B of A refuses to allocate my payments as requested so that I will now be charged approx. 30 % interest on a balance transfer of {$3000.00} made XX/XX/XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I took about a loan from Onemain financial for a dirt bike back in XXXX XXXX XXXX The amount was XXXX and something. A few weeks prior I lost my job and the insurance on the loan never kicked in. So I struggled to make the payments. I keep trying to pay and couldnt maintain. Onemain sold my debt and another company was harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Product: Checking or savings account

I sent someone XXXX on XXXX to buy a product and they blocked me and will refuse to send the product.
Product: Consumer Loan

this car loan has been payed off in full in 2005 ' can I get this removed from my credit report '
Product: Debt collection

Supposedly there is a debt that I owe XXXX. It has been with a particular collection agency for the past 8+ years I am assuming ( Since i have not had XXXX in 8+ years ). I just now get a notice from a different Collection agency that they have been assigned this debt from the First agency. So they are sharing my information with 3rd parties for debts that are past the statue of limitations as well as I have no business with either Company. This is not only unethical but it is also immoral.
Product: Debt collection

There's a debt collection of {$980.00} from a collection agency called UNITED REVENUE CORP. After contacting them several times to inform them it was fraudulent activity they couldn't help and kept sending me to the original creditor : XXXX  XXXX XXXX but no one is available to answer the phone or to guide me to the right department to inform them about this fraudulent activity.
Product: Mortgage

I have spoken to XXXX to XXXX customer service reps from US BANK who have given me the wrong information causing a delay in programs that I should qualify for. The employees of US BANK are not on the same page. They have given me the runaround. They are making mistakes when placing notes on my XXXX loans making it difficult for other customer agents to help me. US BANK is handling my issues carelessly. My credit report states wrong information which looks bad. And now on my credit report, it states Forecloser, deed leu which I don't know what that means. I XXXX kids and trying to keep my house. Also, I have been making payments like they said and now I can't. This is an urgent matter. Please review the call long for quality insurance so you can hear what was said. today is XX/XX/2024 they say the system has issues. I need help
Product: Credit card

I noticed XXXX debit entries with the names XXXX AND XXXX for {$19.00} each, which I did not request on my XXXX XXXX statement. I contacted Chase 's customer service to report it. The associate I talked with indicated that he will look into it. But when I checked my XXXX XXXX statement, I found that the XXXX entries were again on the XXXX statement. Hence, I decided to check previous months only to discover that the XXXX entries started as far back as XXXX XXXX. Because of this discovery, I decided to check my XXXX statements only to find that I was being charged between {$25.00} to {$35.00} every month, even when I was paying the monthly due amounts on the XXXX of every month.
Product: Credit reporting or other personal consumer reports

Dear CFPB, XXXX, Equifax and XXXX all allegedly claim that they have gone through a thorough investigation on my dispute. My dispute have nothing to do with anything being allegedly accurate .My dispute is that these three companies are forging my signature and publishing my personal information without my written signature.I have never agreed for these companies or for XXXX Equifax and XXXX to be doing business upon my name with each other .This is fraud between everyone and i would like for everything to be removed ASAP
Product: Credit reporting or other personal consumer reports

My information was stolen due to a data breach and my information was used
Product: Credit card or prepaid card

My payment is due on XX/XX/2019 and I called to make a payment. The customer service rep was not able to process my payment because their systems have been down all day. Because of their system error I am going to be charged a late fee and it will show that my account was past due. This is not fair to me because I make sure that all my bills are always paid on time and now my account is going to report that I was late. This is going to affect my account to ever get a credit line increase in the future. I have been working hard to keep my account in perfect standings and it just not fair that its not going to be perfect anymore because their system error.
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 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX and I am working on my OWN credit to fix the current issues I am having with you. Please process my request and do not use any stall tactics as I am using CFPB to track your blatant refusal to assist me. I do plan on suing if I need to. 

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. I demand the following accounts be verified or removed immediately. 

XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

miuse of my credit report, information, Thirdparty sharing. Family Educational Rights and Privacy Act ( XXXX ) The Family Educational Rights and Privacy Act ( XXXX ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 'experiean and transunion and are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.the financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent wether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option.they Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title nelnet is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 
Company information
Product: Credit card or prepaid card

To whom it may concern, My name is XXXX XXXX, and Im a concerned chase sapphire customer. On XX/XX/XXXX. 2019, my family and I flew out to XXXX with a return date XX/XX/2019, with all my transactions made with my chase sapphire card. 
Upon the conclusion of the trip, a natural disaster, hurricane Dorian, was set to hit Florida ; which was my destination from XXXX on XX/XX/2019. Unfortunately our flight was canceled due to the state of emergency, and therefore we lost our non refundable tickets out of XXXX. I quickly called chase sapphire customer service and was told, by your representative, that all transactions made to accommodate my travels will be covered under the insurance provided by the credit card. This was confirmed to me multiple times by your representative. 
Once we arrived home, after a long and tedious trip, I made a call to chase sapphire inquiring about my claim. To my surprise, I was told that the transactions made to get us out of XXXX was not covered. I spoke to a manager and explained that the chase sapphire representative assured me that everything would be covered. I was promised that an investigation was to be made, and if the chase sapphire representative was to be found at fault, my expenses would be fully covered. 
On XX/XX/2019 around XXXX, I was contacted by XXXX XXXX, who claimed to be the utmost authority that can help me with my issue. He informed me that the investigation concluded that the chase sapphire representative was at fault. HOWEVER, surprisingly, he was very blunt in his approach and in telling me that chase sapphire would not pay for their misinformation. After much explanation, the conclusion was that I would have to pay for the representatives mistake. This is unfair as I was misled into thinking all my expenses were covered. I find it astonishing that a respectable corporation like chase, can not own up to their mistake and fix this issue. Im asking for a fair compensation of all my expenses that were purchased based on the information that was given to me.
Product: Checking or savings account

Hello my name MrXXXX XXXX XXXX, im reaching out because I'm having issues with my Bank Institution Citibank, Especially with there customer services over the phone I'm requesting for them to remove the block they have on both of my checking accounts a There no help over the phone nor online including the branch. I'm XXXX XXXX veteran, due to my health condition I cant travel to the nearest bank. 
Checking acct ending XXXX {$19.00} Checking accounts ending XXXX {$7000.00}