23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XXXX, 2014, as I was shopping online for Southwest flights, I was intrigued by a promotion I read about for a credit card. Chase was offering XXXX flight points if {$2000.00} was spent within 3 months of opening an account. I was planning a big trip in the spring and thought these points could help. I checked out of Southwest by applying for the card - not because I needed a credit card but out of interest of this promotion. I charged the flight to my new Southwest Airlines Rapid Rewards Premier card. 
In XXXX, after I spent the {$2000.00} on the card to qualify for the promotional points, my account was not showing these points were added. I looked into this and read that I should allow XXXX weeks for the points to be added to my account. In XXXX, approximately 8 weeks later, still no points. When I called Chase on XXXX XXXX, they explained to me they could not apply the promotion that I thought I signed up to get because it had been more than 90 days since my account was opened. They sent my account for further review and told me to expect a decision letter in 7-10 days. 
On XXXX XXXX, I received the letter ( attached ) and I called Chase to dispute the decision. The customer service rep who took my call asked if I was calling to get the promotion for XXXX points. When I said yes, she told me Chase was going to honor my request and match the points, which would reflect on my XXXX statement. On XXXX XXXX, when I viewed my statement, the points still had not been added. I emailed Chase that day with my complaint ( attached ), explaining my concerns. They have since responded with another decision letter ( attached ), explaining the path I took online to apply for the card was actually for a different promotion and that they can not apply the XXXX points because it has been more than 90 days since my account was opened. 
I feel that I was coerced into applying for this credit card, not knowing more than one promotion was being offered, dependent upon the path used to apply for the card. I also was not provided with sufficient information to know that I had 90 days to confirm that I was receiving the promotion I desired. Furthermore, the promotion allows up to 3 months ( or 90 days ) to even qualify for the bonus points, not to mention the time needed to add the points to the account ( 4-6 weeks ). I had no reason to dispute the promotion in the first 90 days of opening this account. I would have needed to spend {$2000.00} within the first 30 days of opening it, in order for my request to be honored within the 90 day grace period. This is all compounded by the fact that I was misinformed again on XXXX XXXX when I was told Chase would be honoring my request to match the points. 
I understand Chase has policies they have to adhere to consistently for all customers ; however this is enough of a case to make a business exception. I am escalating this issue through the CFPB because Chase has not taken accountability for my ambiguous, unsatisfactory customer experience.
Product: Debt collection

XXXX XXXX XXXX {$3200.00} XXXX OF XXXX XXXX {$2300.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX {$580.00} XXXX XXXX XXXX {$460.00} XXXX XXXXK XXXX {$1100.00} XXXXL XXXXXXXX XXXXK XXXX XXXX A XXXX {$3700.00} XXXX XXXX XXXXXXXX {$330.00} XXXX XXXX XXXX {$750.00} XXXX XXXX A XXXX {$3100.00} XXXX XXXX {$1700.00} XXXXL XXXX XXXX {$920.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Product: Money transfer, virtual currency, or money service

Due to inaccurate reporting of available funds by Huntington Bank I incurred an initial overdraft fee on a purchase of gasoline in the amount of {$57.00}. With my account now in the negative there were 2 more transactions processed by the bank in the amounts of {$12.00} ( XXXX ), {$5.00} ( XXXX XXXX ) and {$9.00} ( XXXX ). The overdraft fees associated with these transactions amounted to a total of {$150.00}. Now at an even larger negative balance on my account. The bank authorized wrongful charge from XXXX cable. Historically I always pay my XXXX bill with another account. The charge was processed to this account in XXXX error. To which they admitted fault. Upon learning of this I contacted XXXX and visited a local Huntington branch and spoke to reps about how to go about resolving this. I was told by both of them to file a wrongful charge claim. I did so on XX/XX/2019. I was told not to transfer any funds to offset anything while the bank was investigating the wrongful charge because the banking institution would be less inclined to refund the funds. That same day I called Huntingtons customer service to confirm that what the branch representative was telling were true and was told that it was. As a precaution, I paid XXXX again. Just in case the investigation had a negative impact on my billing. Upon finishing their investigation Huntington decided in the favor of XXXX. Although there should be a recording from my conversation with a rep where they're admitting fault. Folllwing the instructions of multiple bank reps I did not transfer any funds to offset the negative account and this resulted in the bank adding additional overdraft fees. Huntingtons determination resulted in even more overdraft fees. After everything had processed I had 11 overdraft fees totalling {$360.00} resulting from 4 transactions ; 3 of  which being less than {$13.00}. To offset the full negative balance of {$470.00}. Funds were transferred from another account without authorization or notice. I read the disclosure statement and it does not support this. This situation is resulting in me being unable to pay my rent as I'd intended to on XX/XX/2019.
Product: Credit card or prepaid card

From what I remember correctly was XXXX XXXX was charging me for something I have not purchased. Which is why I refused to pay. Given at the time I was younger and not really in tuned with the consequences. I should had paid first than dispute but I simply refused to pay for something I did not purchased. Finally I just got agitated, called the company, paid it off i full and closed the account. I did not want nothing to do with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau Disputes XXXX This is the letter I tried to send to ALL THREE CREDIT BUREAUS XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX XXXX ( 8 days ago ) to me For the past two years the three Credit Bureaus, such as, Trans Union, XXXX, XXXX I believe have targeted my credit report unfairly due to me being " XXXX ''. 

I have received reports where they have taken up to sixty plus points from my report with no cause. where as, when I pay off a creditor, they the three bureaus will add maybe four point ; if that., This is not the first time I have written complaining about the injustice. I have talked with others minority ( s ) and they're saying the same thing is happening to them as will .... I have battled with being compromised from XXXX, had police reports and all and the credit bureaus ignored the facts. Now I am needing to battle with injustice. Again, each time points are taken from my reports, the returns are less then what has been taken. Please have someone look into this matter. It appears I am being targeted. XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the Credit Burueas ' ability to ignore a consumer requests for investigation and removal of the the items on my Credit Report despite the multiple letters I have been sendiong to them! The last letter I sent to the Credit Bureaus was XX/XX/XXXX with complete attachments of my Personal Information such as Driver 's license and SSN. I also attached the ID THEFT REPORT I have received from the FTC to prove to the Credit Bureaus that I am a victim of Identity theft. But despite all my efforts to and these attachents, I came to a conclusion that the Credit Burueaus are stubborn enough to not comply with the FCRA section 605b. I have read that the Credit Bureaus are required to remove any account and information that the consumer identifies as an items incurred due to Identity Theft. I am submitting this complaitn through the CFPB to excerciseand protect my rights under the FCRA regulations. If the Credit Bureuas chose not to comply with the FCRA and keep on ignoring my letters, it leaves me no choice but to pursue legal action and sue the Credit Bureaus for their incompetence and negligence. I need the following items removed as soon as possible! 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters disputing the discrepancies of my credit reports in XX/XX/XXXX. XXXX and Experian never responded. So I sent a second round in XX/XX/XXXX asking for verification of the accounts that were questioned. They came back as verified. So, I took the next steps that is being described below : Upon reviewing all of my credit bureau reports, I noticed discrepancies with Experian and XXXX regarding my XXXX XXXX XXXX XXXX account. For XXXX, my date of last activity ( XXXX ) was XX/XX/XXXX. For Experian it was XX/XX/XXXX. Experian was sporadically reporting CHARGE OFFs at random. I wrote both XXXX and Experian with a factual dispute stating that there is a huge discrepancy between the XXXX for XXXX account and please delete the accounts. This was in XX/XX/XXXX. 

Transition didn't update my account and it remained on my credit report. Experian " updated '' my account by deleting all of the random XXXX XXXX from XXXX. Then, they chose to add XXXX charge off to XX/XX/XXXX as if this was a new charge off account! ( I am submitting copies of my copies of my XXXX account with Experian ) I proceeded to speak to a representative in person at XXXX. She directed me to Credit Bureau Disputes Department at XXXX. They agree that they shouldn't have randomly added XX/XX/XXXX as a CHARGE OFF. XXXX and then XXXX XXXX at XXXX Credit Bureau XXXX XXXX wrote correspondences to me stating that they have alerted Experian to correct the CHARGE OFF for XX/XX/XXXX. This was in XX/XX/XXXX and it has yet to be resolved by Experian.
Product: Credit reporting or other personal consumer reports

I went to a large event a few years ago. My wallet went missing with all my identification including my social security card, drivers license, and a credit card. I thought I may have misplaced it. When I got I realized it was gone but thought nothing of it thinking I may have over looked it and that it would pop up. I now realize someone stole it. 

There are XXXX addresses I never lived on my on my XXXX report XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX phone numbers that are not mine ( XXXX ) XXXX and ( XXXX ) XXXX An inquiry on my XXXX and TransUnion report from XXXX XXXX XXXX that I did not authorize XXXX XXXX XXXX that I had no balance on was maxed out on {$200.00} added which leaves me {$700.00} balance that reflects on all XXXX on my credit reports. 

It states on my TransUnion report it states XXXX XXXX XXXX
Product: Debt collection

ENHANCED RECOVERY I asked ENHANCED FOR for valiation and verification pursuant to 15USC1692g ( a ) ( b ), I am the Consumer Pursuant to 15USC1692a ( 3 ), and EHANCED RECOVERY is a DEBT COLLECTOR/DATA BUYER/RECEIVABLES PURCHASER pursuant to 15USC1692a ( XXXX ). EHANCED has intruded into my ( the Consumer 's ) Private Non-Public information which is called IDENTITY THEFT Pursuant to 16CFR603.2 and this is a Felony punishable by law. I ( the Consumer ) want ENHANCED RECOVERY to divulge information from the person or persons who shared private information with them first who, what, where, and why they are using my information to publically humiliate the Consumer. I ( the Consumer ) has successfully disputed this information because within five ( 5 ) days ENHANCED RECOVERY did not provide loan level documentation containing what the Consumer has requested. The statutes of limitations are up for ENHANCED RECOVERY. XXXX v XXXX, XXXX, XXXX, XXXX. an Amicus Brief covered this FDCPA Fair Debt Collection Practices Act. Specifically XXXX v. XXXX, XXXX, XXXX XXXX XXXX, XXXX. 
The CONSUMER wants ENHANCED RECOVERY TO CEASE AND DESIST COLLECTING ON SOMETHING THAT THE CONSUMER does n't have knowledge of or want to. This illegal behavior is being claimed by the Consumer to the Federal Bureau of Investigation Criminal Division for divulging this information as quickly as possible. PLEASE CEASE AND DESIST this dangerous behavior. 
The Consumer has needs to purchase personal, family, and household needs but is hindered from obtaining such because ENHANCED RECOVERY says she owes them money and according to the LIBEL CODE Article 42 which was signed into law on XXXX XXXX, 2016, you do not have authority to make the Consumer work for you and pay you money on something that you do not have a signed contract on. 
They have harmed the Consumers purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I ( the Consumer ) am not in COMMERCE. 
Pursuant to 15USC1692k I ( the Consumer ) has invoked her private right of action and wants this bad situation to go away as soon as possible. CEASE AND DESIST. Regards XXXX XXXX XXXX Consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : The inaccurate and certifiably noncompliant information you are reporting To whom it may concern : I am writing you with this formal objection of information published and provided by you to XXXX, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 
You are improperly reporting an alleged Auto Loan, and XXXX loans to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit reputation. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less than an auto loan that you did not have permissible purpose to share my personal information. I formally contest the reportability of the alleged delinquent account. 
Immediately, DELETE ALL record of the following alleged Auto Loan, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all XXXX reporting standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, CITICARDS CBNA XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 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

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.
Product: Payday loan, title loan, personal loan, or advance loan

Hello : I took out a line of credit from the company Credit Fresh thinking it would be like any other credit card in XXXX of 2023 for repairs to our home. I was very suprised when the company began to bill me on different dates of the month twice a month. The company refused to allow me to pick the date I could pay once I initally filled out my loan paperwork. The company 's website for payments is very vague. The company bills you lots of fees twice a month and it feels like you can never pay the balance down. If I had known that the company bills fees twice a month ( XXXX $ XXXX payments! ) I would never have signed up for this credit line. It feels like I am trapped and I can not get ahead to pay down the balance. I think it should be illegal for credit companies to charge you twice monthly with lots of fees and change the dates of your due dates on you. Sometimes they charge me before I get my paycheck. The website is so vague it is impossible to know if I'm making a dent in my balance. This company should be required to only charge a small fee and customers should only be required to pay an affordable amount that helps pay down their balance once a month, not a $ XXXX a month in payments for a {$4000.00} loan.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I have been dealing with Navient for the past year. The main issue I have is they call relentlessly even after speaking to a representative and stating I am in the process of a new job where I will be able to start payments. They still continue to harass me. It is one thing to c all once a week if there is debt to collect but I find it completely unacceptable and an abuse of technology to send automated systems to call a personal or work phone 5 times  a day or more. Then to make matters worse it will call any co-signer and harass them similarly.     I would n't be as annoyed and outraged if I had n't already spoken to a representative from Navient several times about becoming employed with a new  XXXX  job and that I will be paying the loans in the next month that I am behind on. Also, I am an   XXXX   XXXX   and work in   XXXX   XXXX   so I understand the abuse they are using by putting personal identifiable information in these perpetual call cycles. Their needs to be regulation around this just as there is with most credit/finanicial and federal law.     The government can be held accountable insofar that yes these are private loans I accrued through Navient. However, how is anybody supposed to pay these loans back when if you do have a " decent '' income and are luckily employed after graduating college when so many taxes get taken out of mediocre salaries. If we actually want to have these loans paid out to private lenders and the government we need to get real with the end-users i.e. the   XXXX   XXXX   millennials who are going to be in debt the rest of their lives. Education level needs to be standardized in pay rate and allow you to be rated into a higher salary no matter what so you can pay back loans. Otherwise the government needs to take less tax from people who owe education loans and put the money they tax out directly on their loans they owe. It 's not difficult but it will be the downfall of the economy if we do not take the education loan debt seriously.
Product: Debt collection

Continues to send me unverified debt letters. Has never furnished a contract with my signature on it. 
Only sends a copy of a utility bill. 
I do not not have I ever done business with Penn Credit Corporation. I do not owe this company anything!

STILL have yet to verify the following : 1. Full original Account Number2. Date original Account was opened3. Any written agreements between myself and the original creditor stating this debt is owed4. Full account summary and itemized calculation of alleged debt5. Date of the first delinquency6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law.

7. A copy of a contract with my signature on it with your company.

8. A copy of your license to collect in the state of Maine.

9. The name of the registered agent for your company.

10. A certified copy of a judgement made against me by your company in a court of law.

11. A copy of how you purchased this unverified debt and for what price. 

They haveNOTprovided me a copy of ANY original documentation required underSection 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and underSection 611 ( 5 ) ( A ) of the FCRA you are required topromptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me fornegligent noncompliance ( Section 617 ) if you fail to comply.I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the account be deleted immediately.