23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for a Chase XXXX XXXX XXXX credit card in XXXX 2016. The offer I applied for was for XXXX XXXX miles after {$2000.00} spend in the first 3 months. Shortly after applying, I saw there was a XXXX XXXX miles bonus after {$3000.00} spend in the first 3 months. 

I contacted Chase to match the offer. They responded that they were able to extend the offer to me, if I increase the minimal spend from {$2000.00} to {$3000.00}. I accepted their offer. After putting the additional spend to meet the new {$3000.00} minimum for the XXXX bonus XXXX miles, I messaged Chase to process the additional bonus. They informed me that they could not honor the offer. 

Chase had extended an offer to me, that required me to put additional spend to meet this new offer, then refused to honor their end when I met the requirements of {$3000.00} spend. 

Find attached a screenshot of the message of Chase confirming they extended me the offer. 


Dear XXXX XXXX, Thank you for contacting Chase regarding the enrollment bonus offer on your XXXX XXXX ( R ) Explorer credit card account. 

We 're delighted to welcome you as a new customer and we look forward to serving your credit needs. Let me share, because your account has been opened for less then 90 days, I am pleased to advise that we can honor your request to receive the XXXX bonus rewards enrollment promotion. However, this enrollment promotion is associated with {$3000.00} spending threshold which has not yet been met. Therefore, I would ask that you please reply to this email once you have met the associated {$3000.00} spending threshold by or before XXXX XXXX, 2016 and either myself or XXXX of my colleagues will be happy to assist with your request. 

Kindly note, purchases do not include balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, and money orders, any checks that access your account, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind, including an annual fee, if applicable. 

If you need any other assistance, you can send us a secure message. We appreciate your business and thank you for choosing Chase. 

Thank you, XXXX XXXX Customer Service Specialist. 
XXXX Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Hello, I recently signed into my XXXX account and saw there was a XXXX XXXX XXXX XXXX for the XXXX XXXX card that I recently signed up for. 

Would you kindly match me to this offer? I 've attached a screenshot. 

Thank you, -XXXX [ Attachment XXXX Type : application/octet-stream Name : Screenshot XXXX XXXX ]
Product: Checking or savings account

Had a total of XXXX Unauthorized withdrawals from my personal checking on XX/XX/2022 in the amounts of {$200.00} ; {$200.00} ; {$300.00} all equal to {$700.00} the gave me provisional credit the first time and took it away on XX/XX/2022 I called again and they gave me provisional again but they responded to me again that they will be taking it away I called to see what else could be done they inform me that the claim has now been denied twice and they can not honor the claim this transactions were not done by me since the card was not in my possession, I don't understand why Bank Of America is not honoring my claim
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Equifax several vendors I have repeatedly sent certified letters to the credit unions several certified letters to all vendors in question uncountable number of on line complaints to all XXXX continue to request proof signed credit appls signed loan agreements no one has ever proved any proof and keep refuse to prove it and product anything I signed and refuse to ever look in to it because they keep claiming verified with no proof this must be a criminal act after 18 months. this is so wrong why should I have to pay XXXX dollar for each credit union and each vendor that continue no break the FCRA and FDCPA
Product: Debt collection

I had XXXX at XXXX XXXX in 2017. I received a statement of XXXX balance. If I owed the debt, I would have paid it. I had insurance which took care of the bill. Then years later I received notices from a company that I did not owe anything to, They claimed I had a debt. I sent them the bill with the XXXX balance. They were put a debt on my credit report which had impacted my credit. I do not owe them anything. They say they are the original creditor but I have no knowledge of this.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute incorrect information on my credit report. Upon reviewing my report, I noticed several discrepancies that do not accurately reflect my financial history. These errors are negatively impacting my credit standing, and I need them corrected immediately.
Product: Mortgage

Citizens Bank grossly miscalculated my required escrow balance for the past year which caused me to suffer severe financial distress. My mortgage payment increased by XXXX  XXXX because they stated that I had a shortage in my account. I called them to clarify last year and I was told that I had to pay taxes in arrears because my property had just been assessed by the tax assessor. When I looked at my escrow statement for this up coming year, Citizens Bank stated they owed me a {$11000.00} surplus for the overpayment of escrow. They grossly miscalculated the City tax I had to pay and have never provided me with my City real estate tax statement. They estimated that I had a shortage of over {$7000.00} and also would have to pay approximately XXXX  XXXX in City property tax in future years. Their error was because they failed to consider the XXXX tax abatement that I had due. When I applied for the loan, I asked the loan XXXX repeatedly to provide me with a realistic estimate of the property taxes and he constantly gave me the runaround and also said he was unsure if I would qualify for the XXXX. I also have concerns about the income tax implications from Citizen Bank 's error. 

Citizens Bank has caused me severe emotional distress during the loan application process and now from miscalculating the escrow. I had trouble all year keeping up with paying bills and incurred significant credit card debt because of the unnecessary financial burden that this bank placed upon me. They need to be held accountable!
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with Equifax, my requests have been disregarded.

These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report.

Incorrect Name - XXXX XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX EMPLOYER - XXXX XXXX XXXX  EMPLOYER - XXXX XXXX EMPLOYER - XXXX XXXX XXXX
Product: Debt collection

I was a victim of identity theft and noticed a collection from Synerprise consulting services I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Synerprise consulting services in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting or other personal consumer reports

My information was impacted by the XXXX Data Breach and I have accounts on my credit profile that do not belong to me
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and EXPERIAN are reporting several derogatory accounts on my Creditreport. I was in XXXX data breach where all of my information was stolen. Ive disputed this information because Im a verified fraud victim. This has caused negative reporting and a significant decrease of my credit score. Those fraudulent accounts should be removed, instead theyre being re-investigated over and over. I want those negative accounts removed.
Product: Checking or savings account

XX/XX/2023 XXXX identified unauthorized online domestic wire transfer via : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$65000.00} had been wire transferred from my Chase Checking Account without my knowledge and approval.
Product: Debt collection

I've tried disputing two accounts off my credit because I was unaware of those accounts. I had no acknowledgement of those accounts. I contacted XXXX  XXXX  and did a fraud claim for identity theft and I have anything since then. I been trying to get these accounts deleted ever since I've known that they been on my credit. These are the dates I have and the amounts. XX/XX/XXXX in the amount of {$520.00} and the other one is for XX/XX/XXXX in the amount of {$740.00}.
Product: Checking or savings account

Hello. I dont know what to start with. XXXX my first account, theres were fraud mobile deposit that I hadnt made but someone apparently got accessed to it. They closed down. XXXX XXXX, they closed down for no reason. They told me that they cant tell me why. XXXX closed down because someone also had accessed to online banking same as XXXX. Check returned. XXXX  XXXX XXXX and XXXX, Someone used my SSN number to created it and it was fraud also. Now Im going through with a Suntrust. My phone was stolen with no passcode on it and someone went in my online bank on my phone. Theres were user and password on my phone in the notes so of course they deposited a check apparently thats what Suntrust said. I dont know. They dont show me what my account looks like. 2 or 3 weeks ago, I came there to change my number because I had another phone since my XXXX was stolen. Suntrust also gave me another account while the account are under review. I was able to use it until yesterday. Few days ago I deposited my check and I was able to swipe before yesterday then I found out today by calling them they said its in processing closing my account with my money in it. First off, why did they gave me another suntrust account then let me Deposited it in the first place then in process of closing. This none makes sense. My rent money is in there. Unfortunately, they said I can not withdraw my money at all until they close also. I dont know how to do fraud or scam thing so it couldnt possibly be me. One day Ill be arrested for something I didnt do.
Product: Credit reporting or other personal consumer reports

This matter was concerning Solar Panels purchased for my residence. I was sold the solar panel by a company called XXXX XXXX and I was informed by XXXX XXXX of the steps i would have before actually being able to use my newly installed solar panels. I was also told by the salesman I WOULD NOT be required to start making payments on the solar panels until they are working and I am satisfied with the results. Consequently, my solar panels were installed however activation was delayed several months. I consistently called the company all while my solar panels sat waiting to be inspected and to be given the ok by the city for 10 months. Through this ordeal I was being told by XXXX XXXX that they were working on the situation however I was unaware that XXXX also known as XXXX was billing me and reporting me as late on payments. THIS IS BAD BUSINESS AND IMPROPER!!!! 

In accordance with the Fair reporting act this creditor has violated my rights. Under 15USC1681 section 602 states, I have the right to privacy. 15USC1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Debt from Capstone Credit and Collections for XXXX XXXX XXXX for a balance of XXXX in XX/XX/2012 for an apartment I never resided in I sent the proper documents and an Identity affidavit and police report stating my identity was stolen they sill refuse to remove the Collections stating if was valid only sent a judgement and a lease with a signature that is not mines. I would like the collections remove and not to be sold to another company off all XXXX of my credit reports.
Product: Payday loan, title loan, or personal loan

Harrasing phone calls  to the references provided when loan was granted. When payment is one day past due. Plus additional late charges.
Product: Money transfer, virtual currency, or money service

I was travelling to the XXXX and used Wise to create a local XXXX account. I transferred funds from my XXXX XXXX account into the Wise account to pay a local person as I had purchased a vehicle from them. The transfer went through according to Wise on XX/XX/XXXX and the recipient told me that he had not received the money. Now it's the XXXX and the recipient still hasn't received the money and asking me to pay cash. I don't have money in my account. I have reached out to Wise numerous times and they said it will take XXXX day and now telling me that they will take 10 days to figure out what's happening, they should be able to contact the recipient bank and should be able to figure this out pretty quick. It may take sometime to get the money credited to their account but atleast the bank should have the money against the transaction id. So far the recipient told me that their says there is nothing against that transaction number that they can track so that makes it more frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written documentation from the Bankruptcy Court stating that they DO NOT report bankruptcies to any of the credit bureaus. However, XXXX, XXXX, and Experian are illegally reporting this information which is a violation of my rights. 
I am requesting that all 3 credit bureaus provide me with an original contract ( wet ink signatures ; written proof ) that they were authorized to report a dismissed bankruptcy to my credit report. 
Without written proof, this information must be immediately deleted from my credit reports and blocked from reporting again. 
In the meantime, I will be preparing all necessary documentation to seek legal remedies against the 3 major credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$550.00} US DEPT ED XXXX {$530.00} USDOE/XXXX   XXXX {$4900.00}
Product: Mortgage

I missed my XXXX  2023 monthly mortgage payment of {$1100.00}. It is the ONLY payment I have ever missed. 

I filed a XXXX XXXX Bankruptcy on XX/XX/XXXX, adding the ONLY missed payment into my XXXX  XXXX Payment Plan, to be paid over 5 years. 

Shellpoint Mortgage added attorney fees of {$350.00} and a proof of claim fee of {$250.00} on XX/XX/XXXX and XX/XX/XXXX onto my XX/XX/XXXX mortgage statement without ever notifying me of the charges!! 

They did not XXXX  mail, email, or call me. They did not send or email any statements. I did not know of any fees or charges whatsoever. 

I made a regularly scheduled mortgage payment to Shellpoint on XX/XX/XXXX, for the full amount due of {$1100.00}, unaware of the additional charges. 

Shellpoint sent me an escrow increase payment ( by USPS mail ) in XXXX of XXXX, effective XX/XX/XXXX. My payment increased to {$1200.00}. I made another regularly scheduled mortgage payment on XX/XX/XXXX, for {$1200.00}, still unaware of the additional charges. 

Shellpoint sent me an email earlier today ( XX/XX/XXXX ) stating they never received my mortgage payment. 

I immediately logged on to my online Shellpoint account to discover the additional atty and proof of claim charges and one XXXX of a messy payment history/accounting that Shellpoint has been entering since XX/XX/XXXX. 

They have been receiving my payments but NOT APPLYING them to my account because of the hidden attorney and proof of claim fees they charged back in XXXX. 

Furthermore, my XXXX statement shows a regular monthly payment due of {$1100.00} ( where did this amount come from?? ) and a total amount due of {$1700.00}, TOTAL OF ALL PAYMENTS DUE {$3500.00}. What XXXX XXXX XXXX are they doing? Except for the ONE MISSED PAYMENT OF {$1100.00} that is in my XXXX  XXXX plan, I OWE THEM NOTHING ELSE!!!!! Stop hiding fees and APPLY THE PAYMENTS I AM SENDING YOU ON TIME! This is LUDICROUS and I will NOT stand for it. Immediately remove the hidden charges you applied in XXXX and straighten up your accounting nightmare. I am going to notify Fannie Mae of the messes you are creating because you are not fit to service their loans. 

My principal, interest, and ESCROW accounts are suffering because of Shellpoints fraudulent, sloppy, accounting practices. They are trying to create deficiencies where there are NONE so they can foreclose on my home shortly, and I will not allow that to happen. They need to clean up this accounting nightmare immediately and be held accountable for what they are doing.
Product: Credit card or prepaid card

I applied for a credit card with capital one on XX/XX/19 over the phone, in doing so the representative that did the application did not disclose all the information of the process of the application. I was not told that my credit would be pulled from all three credit agencies. I called back in to inform them of the situation the same day because I have a credit monitoring service that alerted me of this. The person at capital one told me I can call in to have them removed or to redo the application. I told him that I didnt want to do the application again because that would put more inquiries in my credit reports. I called in on XX/XX/19 to see about getting them removed and was told by a supervisor name XXXX that my credit was not pulled but that was not true and I read her off the proof that came from the credit service. We went back and fourth about it until I asked to speak to someone else. The person I spoke with said that he seen the inquiries on my credit reports and there was nothing he could do about it.
Product: Credit reporting

XXXX made an error on my credit report which has put a stop on my home loan. Due to this negative report I paid the account in full XXXX 2016 but they charged me a fee in error and reported as negative. I have tried to get them to remove this charge after several attempts They are saying it takes 30-45 days ... I feel that if took them 1 day to damage my credit it should take 1 day to correct their error. They admit to the error but refuse to correct my credit asap. Please help me resolve this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX  account XXXX have violated my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for the collection of XXXX in the amount of XXXX $ about a month ago. Equifax deleted it. Now 3 days later the collection is back on my report. I have given them the proper documents signifying it is a fraudulent collection account and it still comes on my report. I tried disputing online again but they will not let me dispute without calling in on the phone. I called in on the phone and was transferred to the " Fraud '' department where I sat on hold for over XXXX XXXX. This XXXX XXXX needs to be deleted and stay off my report. I will be contacting the attorney general if Equifax can not properly resolve this fraudulent reporting on my credit report.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - XXXXXXXX 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  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX/XXXX  XXXX/XXXX  XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX/XXXX  XXXX/XXXX  XXXX/XXXX