23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Chase routinely offers cashback on its credit cards. I stayed at the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I paid using my Chase XXXX XXXX XXXX XXXX, which was offering 10 % cashback at XXXX XXXX up to {$40.00}. I noticed after 10 days that my cashback had not posted, which is unusual since all other cashback offers Ive redeemed have posted within 10 days. I wrote to Chase asking for an explanation and for {$30.00} cashback since I had spent {$300.00} at the XXXX XXXX XXXX in total. They responded telling me that I could not receive the cashback because the offer expired XX/XX/year> even though I have screenshots and documentation saying otherwise. I was appalled at the blatant lie.
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 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/XXXX 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 Experian has not wanted to give me a solution to this problem where I am being totally affected, these inquiries 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

The address listed do not belong to me, I have never lived at any of these address that are posted on my credit report. 
Please see the attached photocopy of my drivers license for your reference. 

For the record : 1. My name is : XXXX XXXX 2. My current address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Student loan

According to my servicer, MOHELA, as of XX/XX/2022, I have XXXX eligible payments towards PSLF. I have XXXX qualifying payments of the XXXX. I submitted my paperwork in XX/XX/2022 and was told by XXXX that they needed me to resubmit it. I submitted it again in XX/XX/2022 before my loans were transferred from XXXX to MOHELA. As of XX/XX/2022, MOHELA claims I am not eligible for forgiveness because the box " STILL EMPLOYED '' was not checked. I have a copy of the form submitted initially to XXXX and MOHELA. That box was checked. They are saying I should resubmit the form. I have qualified for PSLF. They refuse to acknowledge that and discharge the loans. At this point, I have applied for forgiveness three times during the period I have been eligible and have not been granted forgiveness. Communication from MOHELA before the transfer stated that any ongoing applications would be honored and no further action was needed. They acknowledge that I have XXXX qualifying payments ( in reality, XXXX since I am still employed at the same institution ) over the XXXX. I am still employed at the same institution as I indicated. 

They engage in shady business practices. They not only deny people eligible for forgiveness, but they also provide a phone number that no one answers. It is a pre-recorded message pushing you to their website. After several minutes, you are given the option to speak to someone, but they put you on hold until they hang up on you. No one will assist you. I would encourage you to try and contact them at their PSLF line XXXX XXXX XXXX XXXX. You will not be able to speak to any representative who can assist you for any reason.
Product: Checking or savings account

Filed a fraud claim with Ameris bank for XXXX transactions and ATm transactions i didnt authorize, they gave me my money back for the XXXX but i cant access my funds at all. they said my account is pending closure and if thats the case, i should be able to move my money out of the account correct? well they arent letting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Please remove these accounts from my credit report immediately, as they are fraudulent and I have no knowledge or involvement with them. This request is made in accordance with USC 1681g, and I expect that they will be removed within 15 days.
Product: Debt collection

XX/XX/21 Account # XXXX {$370.00} that I owe I have never signed any written document saying that I owed the debt to the collector. 
They are violating my rights of the FCRA. 

I do not know who they are and have not given written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 

Please have this removed from all three credit bureaus. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received a notification from XXXX XXXX XXXX XXXX and also XXXX XXXX  that my TRANSUNION score had dropped XXXX points. Out of immediate concern I logged into all three platforms and confirmed my score had indeed dropped. I then went to a paid service both XXXX and XXXX and confirmed the same information. I attempted to dispute the lower score but there was no recent reason, collection as to why this happened and was not able to dispute this information. I then went directly to TRANSUNION and attempted to log in but my log in details were blocked. I managed to contact online chat to gather why I could not log in after trying numerous times. They attempted and also were unsuccessful this was done on XX/XX/XXXX. After confirming my personal information I advised why there was a XXXX point drop in my score. After several minutes of researching the agent could find nothing. I was informed to call their support number and I did just that and again no reason was found. My score prior to the drop was XXXX fair credit, my XXXX score stands at XXXX and XXXX at XXXX. If there was a severe issue or a delinquency it would reflect on XXXX and XXXX as well. I still have not received an explanation. With severe drop in score it has affected a great deal in trying to secure financing for a USED CAR THAT I DESPARATELY need for work. The interest rates are at SUB-PRIME LEVELS AND THE DEALERS I HAVE APPROACHED ALSO HAVE DEMANDED A HIGHER DOWN PAYMENT. This drop in my score as of XX/XX/year> STILL APPEARS in my TRANSUNION CREDIT MODEL
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Product: Mortgage

I applied for a home equity loan with Regions Bank XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX dollars and was turn down. I was given no understandable reason, I asked for the reason in writing. Which I have not received.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act - 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  has violated my rights.

According to 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: Debt collection

I have blocked this number and continue to receive voice mail messages three times a week. This has been going of for a long time now. I tried to called the number back once but you go into a loop and no one answers. 
The message left is as follows : Hi this is XXXX XXXX calling from credit management company please contact me or any of our representatives at XXXX Then it repeats itself again and the message is 36 seconds long. 
I have no idea why they are calling me as I do not have any debt owed. 
This appears to be a scam or a phishing expedition. 
Please make them stop as I have to go in and manually erase the messages every couple of weeks as they are eating up the space on my message program on my phone. 

Thank you.
Product: Debt collection

I am disputing the late payment accounts listed on my credit report due to a tragic event that affected my finances. The associated banks have agreed to remove them under these circumstances. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I've discovered inaccurate information on my reportan incorrect address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with Bank of America - 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 me 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 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.

Bank of America - 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: Vehicle loan or lease

I purchased an XXXX XXXX XXXX XXXX from XXXX on XX/XX/2018. The  first day I purchased the car upon leaving the dealership I noticed that the entire driver side of the car was kinda of shiny with a different colored paint. As i went to inspect the car more in detail ; I rubbed my hand across that area and it hard very rough and hard. I informed XXXX of my issue. I had to leave the car with them about an additional week before receiving it back from repairs. About 1 month late around XX/XX/2018 I had to take my car in the shop again due to engine and service issues. This was repaired per the XXXX XXXX, but I was responsible for the deductible. The car was having issues with the engine and broke down on me. In XX/XX/XXXX I had to place my car in the shop again due to similar issues, and also something with the electric components in the car causing my headlight to go out. Again, I had to pay out of pocket to get that fixed ; minus the Careplan coverage. My car went back into the shop again in XX/XX/XXXX due to more service issues. After this repair I was pretty much done with the car and the deal. I contacted XXXX and numerous occasions regarding the issues I was experiencing with my car. I left over 7 messages for the General Manager of the location. I refused to keep paying for a car that had continuously given me problems from the time of purchased. I made several attempts to surrender the car back to XXXX and cancel the loan. I contacted their corporate office ; who in turn refused to help me. I surrendered the car to the bank due to refusing to make payments for a car that did not work. I feel how i was treated was unjust and that XXXX failed to deliver on their promise of providing great service. 

I would like for XXXX to cancel out my loan with Santander bank and cover the charges of my repossession due to the car having significant issues within a short period of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following items are in violation of my rights. 

XXXX XXXX - Account Number XXXX XXXX  XXXX - Account Number XXXX XXXX XXXX XXXX - Account Number XXXX XXXX  - Account Number XXXX XXXX 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

I checked my credit report, I discover violations and inaccurate reporting. The dispute with XXXX reporting the fraudulent account, XXXX XXXX XXXX as deleted / remove from credit report after several dispute filings, which began XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX the status of the '' XXXX XXXX XXXX '', removed/ deleted account was placed back on my credit report after it had been deleted. It showing a status " remain '' on my credit report inaccuracy. 
XXXX and Equifax both credit reports in accuracy information for XXXX XXXX XXXX, with account status, last payment date and payment status Equifax report XXXX XXXX XXXX as a closed account status. XXXX report XXXX XXXX XXXX as a derogatory account status. Delete all information pertaining to XXXX XXXX XXXX from my credit report.
Product: Mortgage

United Wholesale Mortgage paid the wrong county out of my escrow account over {$2000.00} more than what I owe. Now my escrow account is negative and my taxes for my actual county are due. I don't have the money to pay for their mistake. I called them on XX/XX/XXXX and was told to send an email to : XXXX I sent an email the same day and I have not received a response. All I got was an auto-mail stating that my email was received. On XX/XX/XXXX, they took all of my escrow money and sent it to XXXX XXXX in Texas. My home is in XXXX XXXX. I'm afraid XXXX XXXX is going to penalize me for UWM 's mistake. I'm a first time homeowner and I'm afraid of losing my home over their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 HARD INQUIRES REPORTING TO MY TRANSUNION CREDIT REPORT. PLEASE REMOVE THESE INQUIRIES. ATTACHED IS A BRIEF SUMMARY OF WHAT HAPPENED
Product: Mortgage

On numerous occasions I have had to escalate my calls several times to get any assistance with getting Bank of America to release my insurance funds held on a property claim. Not only am I having to deal with the stress of the tornado damage destroying my home, insurance process and rebuilding process, but when it comes to getting my money release to pay for repairs I should not have to be put threw the XXXX degree and have to call back a minimum of 3 times to get a payment released. I am told it only takes 2-3 days to get a check issued, but I have yet to get a check within a min. of 3weeks. 
In short, I can not solve the problem myself, and I do not want to continue to be provided the unacceptable service I have been provided. 
The last request for a draw on funds to pay the XXXX was submitted XXXX and no check has been issued and the bank could not give me a reason why. I need to bank to release the remaining funds being held so that I can finish rebuilding my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan with Wells Fargo Dealership Services and XXXX Credit Bureau through XXXX XXXX /XXXX XXXX XXXX is reporting inaccurate dollar amount owed which is effecting my credit score ... They are reporting I owe {$21000.00} which is incorrect..I owe {$17000.00} as of XX/XX/17..Please update or correct this information it is a serious issue that needs to be addressed..thank you
Product: Money transfer, virtual currency, or money service

Paypal banned my account on XXXX XXXX, 2021, claiming violations of their policy, but after reaching out to them via XXXX, email, and phone, I have been met with no explanation of the clause or part of their policy that I violated or any details about my situation. My account has been mainly used for friends and family transactions, and I was informed via email that my balance would be held for 6 months, and then presumably released. However, on XXXX XXXX, 2021, my balance ( {$1000.00} ) was subtracted from my account under the excuse of " damages to the Acceptable Use Policy '' with yet again no explanation or details as to how it was violated. I have been unable to gain any information or assistance from their support team, and my money has effectively just been taken from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided documentation to XXXX XXXX XXXX and to the three credit bureaus regarding the inaccurate information contained on my credit file. I have disputed the credit information numerous times as well as calling XXXX XXXX XXXX several times- all to no avail. Even with documentation showing the information listed on my credit report is incorrect, the information remains uncorrected. 

Again, Im disputing the following inaccurate information listed on my credit report. Below are the facts and documentation to support why my credit file should be corrected. 
XXXX XXXX XXXX I. Explanation. 
XX/XX/XXXX, I filed XXXX XXXX bankruptcy, case # XXXX. 
The plan was confirmed on XX/XX/XXXX. 
I completed the case on XX/XX/XXXX. 
All checks distributed by the trustee cleared the bank See Attached Documentation. 
XXXX XXXX XXXX was approved and was classified as a Secured creditor. They claimed {$22000.00}, which was allowed, and they also received {$2400.00} in interest payments. The total amount paid to XXXX XXXX XXXX was {$24000.00}. See Attached Documentation. 
I completed all required payments to XXXX XXXX XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX separately mailed two letters. The first letter stated that there were no liens or encumbrances on the vehicle, and I was able to obtain my car title from the Ohio BMV. See Attached Documentation. 
I obtained a clear title from the Ohio BMV on XX/XX/XXXX. Title Attached On my credit report, XXXX XXXX XXXX list that the original balance on the car was {$22000.00} and as of XX/XX/XXXX, the company charged off {$960.00} and written off {$5800.00} past due. 
This information is not accurate based on the courts documentation. 
According to the XXXX XXXX Standing Trustees Final Report and Account, I paid {$22000.00} and {$2400.00} in interest for a total of {$24000.00}. See Attached Documentation As of XX/XX/XXXX, XXXX XXXX XXXX now states I owe {$6000.00}! 

II. Update/correct/remove Information. 
I request that the current information contained on my credit file be updated/removed/corrected based on the documentation that I have included. 
My credit record should reflect that I paid a total of {$24000.00} through the XXXX XXXX Bankruptcy Court plan. 
III. Copy of the Portion of my Credit Report in Question Copy of the XXXX XXXX XXXX page from my credit report. 
The XXXX XXXX Standing Trustees Final Report and Account ; what XXXX XXXX XXXX claimed and was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had this service for more the seven years, the more I use them the more bad credit I ended up with. Speaking on this year a lone what they have been doing has stop completely. When calling them on these matters they had no answers, I could only take they where just collecting my money every month as some kind of support. When calling and hearing this I requested to stop all and any services, this was in XX/XX/2019. They have continued services by E-mail. In hoping too have a large pay day of some time in my future. By my Credit Report!
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with XXXX, XXXX, and Equifax, regarding the multitude of inquires listed on my credit report. However the only response i get from them is to contact the company who placed them onto my reports. In the FCRA it states that i am entitled to a fair and accurate credit report. These reports are not accurate. The burden of verification is on XXXX, XXXX, and Equifax since they are the ones who are responsible for ensuring things are correct on my report. They are bound by law to make sure everything is correct. Not to tell me to call the individual creditors my self. I demand that XXXX, XXXX, and Equifax go back into my past disputes, and Remove the unauthorized inquiries from my credit report ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit is dinged without giving permission
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concern about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.