23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Discover does not aware the correct bonus rewards. I have a Discover card that has a Cashback Bonus Program Terms and Conditions that reads : " You will earn a full XXXX % Cashback Bonus on your first {$250.00} in combined gas and restaurant purchases ( " G & R Purchases '' ) that are posted to your Account each pilling period. At the end of each billing period, we calculate your Cashback Bonus by multiplying your first {$250.00} in G & R Purchases by XXXX % ( XXXX ) and all other G & R Purchases by up to XXXX % ( XXXX ) ( see " All Other Purchases '' section. " Gas '' purchases are those made at merchant locations where the primary business is the sale of gasoline. " Restaurant '' purchases are those made at merchants classified as full service restaurants, cafes, cafeterias and fast food locations. Purchases coded for category other than those listed above will not qualify. 

Well, I can look at my last statement and see that Discover is classifying a distinct and well known GAS STATION as a Supermarket so they do n't have to award the required bonus points. The merchant is a XXXX XXXX. If you look at the XXXX page for XXXX the very first line reads, " XXXX XXXX is a chain of gasoline and convenience stores in the United States ''. XXXX is clearly a merchant primarily gas station. I do n't know many people that use a XXXX as Supermarket over a Gas Station. I believe the Discover is trying to trick customers into thinking that they these purchases will qualify for the noted Gas and Restaurant Purchases, but are miss coded and will not award them. They hope customers wo n't catch this so they can reap the benefits from these transactions. 

Discover has the ability to code certain merchants for bonus programs. For instance, I have another Discover card that is running a rewards promotion that offers " XXXX % Cashback Bonus at Home Improvement Stores & at XXXX on up to {$1500.00} in Purchase ''. So Discover already has the ability to code a merchant ( i.e. XXXX ) to fit into a bonus category. I suggest that Discover add the gas station merchants to their gas station database so the bonus rewards as awarded to customers accordingly. I believe that Discover is purposely not awarding the gas station awards to customers in accordance with the card agreement so they do n't have to pay as much. They were just hoping that customers, like myself, would not noticed that they are not actually awarding the rewards when they make gas purchased. 

Additionally, I would like my account reviewed and all the past gas station rewards that were not awarded in the past to be added to my account. I am sure that I am missing a great deal of rewards that were not rewarded to be because of this misclassification by Discover. And I am guessing that many other customers have also be cheated on the cashback bonus program by Discover.
Product: Credit reporting, credit repair services, or other personal consumer reports

one inaccurate and fraud account name ( XXXX XXXX  ) has been reporting under my name under my equifax credit reports, it is under loan accounts, i have never had a loan that i have not paid, this is inaccurate and fraud account reporting under my name, please have this inaccuracy removed from my equifax credit file thank you
Product: Debt collection

As per guidance from the consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Mortgage

Select Portfolio Servicing incorrectly handled my extra escrow payment putting the entire amount sent for escrow into my principal. I sent two checks by mail. I indicated on their form where the funds were to be applied to. Rather then read the form to see where the money was to go, funds were sent directly to my principal. I was told that the customer service don't read the forms and just put all incoming funds to the principal. I still have a shortage and think it would be feasible to comply with the paying customers request. 

I believe, based on calling over the past week that the bank 's process center is intentionally not making the correction in a timely manner. I have called customer service and management. I am told the problem will be corrected in 60 days. To me 60 days is too excessive. My statement detail incorrectly showed the balance of the escrow still showing a shortage. I would like this matter to be corrected ASAP.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I reviewed my Experian credit report and found several inaccuracies and issues violating the Fair Credit Reporting Act ( FCRA ). The following problems occurred : Failure to Reinvestigate Disputes : Despite multiple disputes I submitted to Experian regarding inaccuracies on my credit file, the issues were not adequately investigated. For instance : The XXXX XXXX account ( Account number ending in XXXX ) still reflects late payments despite being previously disputed and marked as resolved by the data furnisher. These late payments negatively impact my XXXX score. 
Failure to Remove Inaccurate Information : The XXXX XXXX XXXX XXXX  account ( Account number ending in XXXX ) continues to show a charge-off status, even though it was " Paid in Settlement. '' This account should have been updated to reflect accurate information. 

Improper Reinsertion of Deleted Data : A previously disputed and resolved delinquent record on the XXXX XXXX XXXX account ( Account number ending in XXXX ) was reinserted into my report without proper notice or validation. 

Distorted and Truncated Disputes : Experian mischaracterized the disputes I submitted by failing to convey them accurately to the furnishers. As a result, the furnishers returned inadequate responses, and Experian took no further action to validate the information. 

Failure to Ensure Maximum Accuracy : Experian did not follow reasonable procedures to assure the accuracy of the information reported. For instance : The XXXX Bank account ( Account number ending in XXXX ) reflects XXXX late payments that were previously disputed and deemed inaccurate. 
My overall credit usage ratio of 8 % is inaccurately calculated, as several zero-balance accounts are not reflected correctly in the utilization calculation. 
Actions Taken : I disputed the inaccuracies with Experian multiple times, providing supporting documentation. However, Experian failed to adequately address my concerns, remove inaccurate information, or correct the erroneous data. No adequate written notices were provided to explain the reinvestigations or justify their findings. 

Dates : XX/XX/XXXX : The most recent dispute was filed, addressing inaccuracies related to accounts, inquiries, and personal information. 
XX/XX/XXXX : The inaccurate information and unresolved disputes were confirmed during a review of my credit report. 
Requested Resolution : I request the following : Immediate reinvestigation of all disputed items with accurate conveyance to furnishers.

Removal of inaccurate, incomplete, and unverifiable information from my credit file.

Correction of improper reinsertions of previously deleted data.

Proper notification and documentation of reinvestigation results for transparency. 
Assurance that all future reinvestigations comply with FCRA and CFPB guidelines. 
XXXX negligence has caused significant harm to my creditworthiness and financial well-being. I seek consumer redress and request that the CFPB impose civil penalties to ensure compliance with federal laws.
Product: Credit reporting or other personal consumer reports

See letters attached delete fraudulent accounts, inquiries and fix late payment reporting errors on the XXXX  XXXX account
Product: Debt collection

On XX/XX/2023, I sent the following letter to Kohls. regarding a reporting on my credit report. This company claim I have an account with them. For account XXXX, they claim I own {$1400.00}. In the letter sent on XX/XX/2023, I ask them to verify this debt was mine. As of XX/XX/2023, I have not received any validation of the debt that Kohls is claiming to be mine.
Product: Debt collection

I received a call from Zwicker and Associates on XXXX/XXXX/2015 from phone number ( XXXX ) XXXX. I returned the company 's call and inquired as to what they were calling about. The representative I spoke with confirmed that they called me in error and that they had no account related to my phone number. I received another call from Zwicker and Associates on XXXX/XXXX/2015 at XXXX. I do not have an account in collections and the debt they are contacting me in regards to is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I was harassed about this debt with XXXX XXXX. I was called and told I would be arrested for committing bank fraud if I did not pay the debt immediately. Under a lot of stress and a bad financial situation, I paid the debt that they said I owed. As a part of the negotiation, they agreed to delete the debt from my credit reports. The collection activity is still showing on my credit report. This company should seriously rethink their collections tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDE

R 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
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 process2 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 for these violations.
Product: Credit reporting or other personal consumer reports

On XX/XX/, I had a hard inquiry on my credit report from One Main and then another from XXXX XXXX XXXX on XXXX ( today ). 

I contacted One Main immediately and was forwarded a link to dispute it, which I promptly filled out with all the requested information. I then received a mailed packet of the same information, which I again filled out. I have not received further communication from them. 

XXXX immediately stopped the inquiry today and said they would handle it within XXXX hours. 

I contacted XXXX, who said they would remove it from my account. I called XXXX, who I need to send in this report and multiple pieces of documentation.
Product: Checking or savings account

I arrived at TD Bank on X/XX/2017 at around XXXX XXXX I asked to make a transfer of funds to my account in XXXX. XXXX the banker told me she will not help me since I am XXXX and a XXXX XXXX I will not help you. She told me that she also hates the State of XXXX, and all XXXX should be put into a XXXX XXXX or an XXXX. She told me we need to make a finale solution to all the XXXX.
I mentioned this to her manager that she was not willing to do a transaction for me since I was XXXX XXXX started laughing at me. I almost wanted to cry that this is how I 've been treated as a TD customer. I filled many compliments already with the CFPB and the CFPB has ignored the fact that as a XXXX I have been discriminated against on the basis of my religion ( XXXX ) and national Origin ( XXXX ).
All I asked was to do a transfer of funds from my account in the US to XXXX and they would not allow me to do the transaction.
Product: Payday loan, title loan, personal loan, or advance loan

I was notified that I had a payment coming due on XXXX and if I paid the balance before that date, my loan would be paid off. I paid electronically on XXXX the entire balance due. I called to confirm the receipt and payoff but was told that I still would have an additional payment of {$230.00} on XXXX. This was in addition to the balance I had paid. 

I am a XXXX XXXX XXXX senior and I believe I am being abused by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I noticed a few hard inquiries that don't belong to me, I immediately contact the companies to let them know those applications are fraudulent. Please remove these fraudulent hard inquiries from my credit report XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX XXXX XXXX  XX/XX/18
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts were opened fraudulently. According to the FCRA, all information furnished on a consumer report must be verified as accurate and with proof of consent by the consumer to share private information. According to this report, these accounts have not been verified or investigated as previously requested. Addresses are also on my report that I have never resided and have not been updated. The fact that the law is not being followed in this situation the credit bureaus will leave me no choice but to hold them accountable to XXXX $ each violation being reported on my credit report.
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX - XXXX, XXXX XXXX  XXXX - XXXX, XXXX - XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute Letter Regarding Identity Theft and Security Breach To Whom It May Concern : I am writing to formally file a dispute regarding identity theft and the unauthorized exposure of my personal information due to a security breach. I request your immediate assistance in addressing this matter and ensuring the correction of any adverse consequences resulting from this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account with speedy cash was never mine to begin with so I disputed it over a hundred times I have letters from speedy cash the original creditor and also from the third party collector ad Astra both stating the account was never mine it was open fraudulently and that they have requested the collection to be removed from my credit report yet it is still on my credit report Ive sent the letters to all three agencies only to be told that they can not do nothing until ad Astra tells them to do it. Due to this collection remaining on my report I was days away from closing on my home for my family after a long struggle to repair my credit due to this collection my score dropped XXXX points over night and continued to drop with no relief in sight as I stated before this collection was open fraudulently without my knowledge since then Ive tried to remove it I actually paid it in full just to have it removed and it was a part of my XXXX XXXX XXXX  but yet remains on my report. Ive spoke on the phone over XXXX times with ad Astra and speedy and XXXX and XXXX and XXXX only to be told the same thing Ive done everything asked from me but still have no help in regards. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account DISCOVER BANK which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DISCOVER BANK was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

I have requested that the company sends me my actual application, they did. However, its on my credit report twice and Ive been disputing this inquiry for about a year now and they refuse to have one of them removed and I only submitted one application. 

The incorrect inquiry is from XX/XX/year> from the company by the name of ComenityCapital/MPRC. I only authorize one application not XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing the following accounts, 1 ) XXXX XXXX   {$710.00}, 2 ) XXXX XXXX XXXX {$180.00} 3 )  XXXX XXXX XXXX {$450.00}, Due to my identity being lost, compromised and stolen. These accounts do not belong to me therefore I'm demanding that the credit reporting agencies Stop reporting such fraudulent accounts and block such accounts immediately. Or show just cause by providing me with certified physical documentation that shows otherwise. And as a general rule of law electronic Verification can not and should not be accepted as proof of any sort. Your cooperation is appreciated.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXXDebt Final Rule XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting

TransUnion is reporting XXXX incorrectly, the account is closed and paid they are reporting the account open with a {$0.00} balance late $ 30 days, I just pulled my updated report from XXXX. XXXX and XXXX is reporting correctly Paid {$0.00} balance pay status current, I have gone back and forth with TransUnion and XXXX this account has been paid since XXXX 2016 and XXXX was still reporting when they should n't have because they turned the account over to XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I realized obtaining my credit report that i see some unauthorized inquires on Credit report. These inquires were never authorized and never gave consent written/unwritten/verbally. As a i am federally protected by the fair debt collection practices act 15 U.S.C 1681 ( b ) I am now opting out from these unauthorized inquires from credit report. As I I do not have any Credit with these banks nor any profile or accounts. Its just n the best interest of the company to remove these inquiries before any legal proceedings as I suspect IDENTITY THEFT AND SECURITIES FRAUD. PLEASE DELETE ALL INQUIRIES BELOW XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XXXX XXXX2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XXXX,2023
Product: Checking or savings account

Been having an ongoing issue with So-Fi Bank for a year now. Had hundreds of dollars in charges from XXXX charged to my account in XXXX in which I opened a dispute with So-Fi, they refunded my money and issued a new debit card. 

In XX/XX/XXXX I noticed several failed attempts from XXXX again on my account, however I was no longer using the account so I didn't worry about it, and the debit card had been cancelled and new card issued, so I didn't think they would be able to get anything out of the account. 

On XX/XX/XXXX, a charge in the amount of {$34.00} was charged and posted to my account on XX/XX/XXXX. 

I contacted Si-Fi and spoke with a supervisor about the issue and was told that XXXX uses Automatic Biller Updater, and they got the new card number based on this. I don't understand how this is legal and how this is allowed with merchants that were identified as fraud on my account just last year. 

I then ask So-Fi to block XXXX from charging my account again, and was told there is nothing they can do.