23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Misleading, BAIT AND SWITCH campaign used by Chase Bank on behalf of XXXX XXXX mileage program. Advertisement promises XXXX bonus point if an individual signs up and charges {$2000.00} in 90 days. In XX/XX/2017 I clicked on this ( attached ) advertisement. I was issued a credit card from Chase bank, and as required, charged {$2000.00} in the first 60 days. The amount was paid off within the terms of the credit card. Within 60 days I was only " awarded '' XXXX bonus points and a {$200.00} statement credit. I'm sure Chase decided that this was a cheaper alternative than the the promised XXXX bonus points. When I signed up I downloaded and printed the original offer directly from the offer page of the internet. It is a clear case of BAIT AND SWITCH and deceptive business practice by Chase Bank. I clearly expected there might be a possibility that the credit card company might attempt such a scam which is why I copied the exact pages of the offer in advance. I have lodged a complaint with Chase only to be met with " you clicked on a different offer ''. I also lodged a complaint with XXXX XXXX. They indicated they would look into it. Consumers need to be aware of these poor business practices by Chase Bank and should do their homework before clicking on credit card offers. Documentation is key I believe in making Chase Bank/J.P. Morgan accountable for their business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

This problem was fixed a couple of months ago XXXX XXXX XXXX keeps reporting fake fraud credit card info to my credit report. Went to court as well this is Banking Fraud
Product: Credit reporting or other personal consumer reports

I filled dispute. XX/XX/XXXX it did not help my credit It hurt my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

this account was not opened by me the account was opened and used with a fraudulent bank as well i have a FTC report and a Police report on this matter PLEASE REMOVE THIS ITEM IMIDIATLY
Product: Credit card or prepaid card

Please refer my previous CFPB complaint XXXX regarding Costco Citi Visa card. 
Tonight I called Citi once again at arond XXXX XXXX  central time. Spoke to customer service that I had requested my XX/XX/XXXX statements online on XX/XX/XXXXand they are yet not available. Can you help me? 

She forwarded me to online support. 
At around XXXX XXXX  to XXXX XXXX I talked to XXXX about the same. I told that I have a Citi warranty issue and i need those statements. Citi Warranty has opened a case for me-as that is part of the extended warranty of my refrigerator. My refrigerator freezer is not working since last Saturday. They want those XX/XX/XXXX statements. 
XXXX was very aggressive and not wiling to listen anything. She denied the very fact that i have ever requested those statements on XX/XX/XXXX. As my previous request was not completed in 48 hours ... I need to put another request - but that doesn't mean that the previous request ( XX/XX/XXXX ) was not even there. 

She said that she has made a note of this issue and can't help me. I need to wait 72 hours to get my statement. 
When i said that this is not acceptable and when Citi told me that Customers has to wait for 72 hours if they are accessing their statements which are more than 12 months old? She was not willing to answer. She was not willing to give me any confirmation number or reference number. 

Look at the website : Statements will be ready 48-72 hours after your request, and they're available for 30 days after that. Once you request 12 statements, you won't be able to request more until some of your statements become available. 

Essentially Citi is making the rules and bending it whatever way they want? 
Who is Citi to tell me how many times i can access my credit card statements or not? Has citi told all this to customers ( not in some fine prints or some Card member agreement or some FYI )??? It looks like some tyrant is running Citi and simply doesn't care about the customer or law of the land.
Product: Mortgage

My house received damage from Hurricane Ida. I spoke with PennyMac about my options and I was told that I could go into a disaster forbearance program and at the end I would be able to keep my interest rate and the payments would be placed at the end of the loan. During the process, I asked very specific questions about the program and the responses that I received were very vague. I recently completed the repairs on the property and spoke with PennyMac about coming off of the disaster forbearance program. I again asked specific questions about the next steps and was again met with what seemed to be intentionally vague answers. As short time later, I received a letter saying that PennyMac would be raising my interest rate to 5.60 %, despite everything else that I had been told by PennyMac representatives. I paid down my interest rate at closing to 2.25 % and now PennyMac appears to be trying to find a way to unfairly cost me more money.

If I had known that PennyMac was going to increase my interest rates so drastically, I would have never entered into the forbearance program. This seems like an intentionally deceptive practice by PennyMac. Every representative that I spoke to seemed to make every effort to be as evasive as possible as to the details of the program.
Product: Credit card or prepaid card

Lost my Barclays Credit Card. The only way to get in contact with Barclays is through one phone number for ALL calls, which is encountering significant delays in answering the phone to report the card lost and to get a replacement card. Unable to get through to report the card lost and there is no option to cancel the card without speaking with a representative. No one is answering apparently due COVID-19. Barclays does not provide an e-mail, and can not use on-line banking without credit card / account number, which has been lost. Can not even get my account information without speaking with a representative, who are not available to speak with.
Product: Money transfer, virtual currency, or money service

My complaint is against Venmo. I've been interacting with them for XXXX  months and provided a large amount of data as they requested. Venmo transferred {$2200.00} to XXXX XXXX Headquarters for the purchase of a used engine. I did not get what I ordered and sent back the item. The merchant will not communicate with me so I requested Venmo retrieve my funds. Venmo closed my case XXXX times, the most recent closure was yesterday. They stated case does not meet the definition of " Significantly Not as Described. '' Venmo went through the motions of trying to retrieve my funds but following most interecations with them, told me I didnt have enough of or the correct type of information. My original transaction was XX/XX/year> for {$2200.00}. As of today I have no money or goods. 
I have uploaded a significant of of data. Venmo has had this data for quite some time. It is concise and clear. I will provide you with any additional information you deem as helpful. XXXX
Product: Debt collection

OAC reported two separate medical bills on my credit report 1. ) In the amount of {$50.00} from XX/XX/2016 2. ) In the amount of {$120.00} from XX/XX/2016. OAC tis trying to collect a debt they brought and is not licened or bonded to collect debts in the state of Florida.
Product: Debt collection

I have made a previous complaint regarding the same company, Southern Oregon Credit Service , Inc . The first time I contacted you was on a debt from XXXX. The original debt was a little over {$1000.00}. Because they sat on this debt for 18 years they claim it accrued to over {$5000.00}. I just finished paying this company {$5000.00} and now they are claiming I owe {$700.00}. This amount is also from XXXX. It is my understanding that after 6 years a company can not collect on an old debt yet this company is allowed to repeatedly. I was attempting to file a complaint with the FTC and it redirected me here. I was not pleased with the outcome last time I filed a complaint with your agency against this debt collector. Your advice last time, consult an attorney. I checked into filing bankruptcy and it costs {$1600.00}, money I don't have. I live in an RV and pay {$400.00} for rent, water and electricity. I get social security and work part time yet I am not able to make it due to this company continuously garnishing my wages. I've contacted XXXX XXXX 's office, Attorney General XXXX. This can not continue, I am XXXX XXXX XXXX and I will not work to pay off a debt this company could have contacted me prior to XX/XX/XXXX. This debt has not shown up on any of my credit reports. Laws need to change regarding this issue and debt XXXX should not be allowed to collect a debt that is XXXX XXXX XXXX. Any assistance in this matter will be greatly appreciated Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to address a concerning matter related to an account listed on my credit report, which has far exceeded the permissible reporting period of XXXX years. According to the FCRA, this account should have been removed from my credit report long ago. Furthermore, it has come to my attention that this account was paid in full following a settlement, and the company has neglected to send the required 1099-C form, which constitutes a violation of tax reporting regulations. I am compelled to demand the immediate removal of this account from my credit report due to these apparent FCRA violations. This matter has been raised with your organization through a letter sent XXXX months ago, yet it appears to have gone unanswered. I want to emphasize that each FCRA violation carries a potential fee of up to {$1000.00}, and I am fully prepared to seek legal action should this account not be removed within the next 30 days. Please see the attached dispute letter which is dated and time stamped. Remove the following account from my credit report XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

There are multiple unauthorized transfers occurred lately in my saving account in Chase bank, it is common sense that nobody use saving account for online purchasing, I did n't get any alert / call from the bank, due to the security loophole in their online banking system, those transaction went through without any authorization or approval from me, and they refuse to fully recover my loss, which is totally unacceptable : XX/XX/XXXX RETURNED ITEM FEE FOR AN UNPAID {$980.00} ITEM - DETAILS : XXXX XXXX XXXX WEB ID : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$990.00} {$380.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$990.00} {$1300.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$970.00} {$2300.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$930.00} {$3300.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$760.00} {$4200.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$640.00} {$5000.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$560.00} {$5600.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$500.00} {$6200.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$420.00} {$6700.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$350.00} {$7100.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$270.00} {$7500.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$180.00}
Product: Debt collection

I don't know who this company is, the calls & texts are annoying, I don't have any business dealings with this company
Product: Debt collection

Resurgent Capital Services Claim that I owe Some account ending in XXXX. 
XXXXXXXX XXXX All my accounts were paid. 
XXXX XXXX XXXXXXXX I keep getting harassing calls asking for personal information over the phone. I will not give it. They will not tell me who they are or what the debt is. 
I need help for them stop. 
Sincerely XXXX & XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Mortgage

Three years ago I bought by FHA we gave 18 % of Dawn P.M. payment of {$240.00} I would like to eliminate that payment my house currently has another value because I did renovations I have contacted the Penny Mac company and they tell me no that I can not take it away unless I pay the house in full how can they help thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX Balance : {$37000.00} ; XXXX XXXX  XXXX Balance : {$34000.00} ; XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  XXXX ) XXXX Balance : {$75.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of XXXX XXXX dint handle properly the moratorium that i was inform, on loan # XXXX Never honored. instead they did collections calls at XXXX am demanding balance to be paid, informing that they going to inspect the property. 
We went and put account up to date, never in 9 years were late till the pandemic We dint know what to do .. This loan is a 7 % high interest. Is killing our savings, Recently we went to refinance loan and was denied because late remarks XXXX XXXX  days late with this bank. 
XXXX of XXXX XXXX was sold to XXXX Bank XXXX XXXX XXXX therefore we end with two late reports from same loan account. Credit cards CUT ME OFF to a {$500.00} limit, reason that my score went down XXXX points. My savings are in this bank and is more than this note. DO we deserve this? We are corner to keep paying this high interest loan with no bank want to do business with us because these facts,. ( late mortgage payments XXXX and XXXX  days from 2 diff banks and a XXXX score )
Product: Money transfer, virtual currency, or money service

On Saturday XX/XX/year> I was not aware I lost my phone. Unfortunately for me money was stolen by the use of Cash App. On XX/XX/XXXX at XXXXXXXX XXXX a {$100.00} transaction was processed to XXXX XXXX and sent to XXXX XXXXXXXX. This {$100.00} was returned to me. At XXXXXXXX XXXX  the Cash Pin was reset. It was not reset by me, I have never found my lost phone. ALSO, at XXXXXXXX XXXX a {$500.00} transaction was processed to XXXX XXXX and sent to XXXX XXXX. The return of the stolen {$500.00} was denied. Cash Apps final decision is An investigation of your claim submission and account details concluded that this is an authorized transaction and no error occurred because the payment was authorized using a Security Lock feature. As a result, your dispute was denied. I do not know XXXX XXXX or XXXX XXXX. There is no history on my registered Cash App account of me ever having a transaction involving XXXX XXXX or XXXX XXXX. I did not authorize the transition. 1 of 2 transactions is not reversed.
Product: Debt collection

Would you kindly ensure the expeditious removal and blocking of these fraudulent accounts from my credit report? These entries are unauthorized and XXXX signal fraudulent behavior. Taking immediate action is crucial to protect the integrity of my credit profile and prevent any additional unauthorized access. Your prompt attention to this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Mortgage

I just filed a complaint ( # XXXX ) against PPH Mortgage on XX/XX/XXXX regarding lost payments and here we go again. The complaint was closed on XX/XX/XXXX with the late fees being reversed. I just received my XX/XX/XXXX mortgage statement from PPH Mortgage Services ( PPH ) ( f/k/a Ocwen Loan Servicing ) and saw that there was a charge for a BPO in the amount of {$110.00}. I called PPH customer service ( XX/XX/XXXX ) to ask what was a BPO was and why this expense was being added to my account. Customer service explained that it was a Broker Price Opinion but could not explained what it was or why it was being applied to my account. ( BPO, means, a real estate professional looks at your house to give an opinion on the value of your home. ) There is no need to have a BPO done on my home. It is not in foreclosure or bankruptcy. Customer service, stated that it would take XXXX days before I could get an answer which was not good enough. I have an XX/XX/XXXX mortgage with PPH. The BPO fee was applied to the 2nd mortgage ( as if I would not see it XXXX, and not the main mortgage. I feel like this is harassment and retaliation for filing the complaint with the CFPB because PPH could not get the late fees for XXXX and XXXX, so now they are trying to add an unjustified illegal BPO fee. During this COVID-19 pandemic, homeowners can barely pay their mortgage and to add unnecessary fees is just highway robbery. I have paid my mortgage every month, and unfortunately, I need to take certain precautions in dealing with PPH. Apparently, PPH does take any complaints from CFPB serious because they turn around and try to gouge consumers with unjustified fee. Attached also is the delivery receipt of my XX/XX/XXXX payment in case PPH claim that they did not received it.
Product: Credit card or prepaid card

WELLS FARGO STOPS MY AUTOPAY WITHOUT NOTICE TO ME. THEN SINCE THE AUTOPAY AMOUNT OF {$350.00} REMAINED ON THE EXPIRING ACCOUNT, WELLS FARGO CHARGES ME 28.99 % INTEREST IN THE AMOUNT OF {$2700.00}. 

I took out a no interest if paid in full loan on a Wells Fargo Home Projects Credit card on XXXX XX/XX/XXXX. 
NO INT IF PD IN FULL W/PMT XX/XX/XXXX XX/XX/XXXX 28.99 % {$8500.00} The remaining balance on the Card as of XX/XX/XXXX was " Previous Balance {$3700.00} '' I had the card on Autopay and a payment was scheduled for {$350.00} that was going to clear on XX/XX/XXXX. So I paid the remaining balance, $ XXXX {$350.00} on XX/XX/XXXX. 
Payments - {$3300.00}. 
Wells Fargo, without notice to me, stopped my Autopay. They told me this happened because I made another payment on XX/XX/XXXX. 
Due to this unexpected change in my Autopay schedule, there was XXXX $ on my account when my loan expired on XX/XX/XXXX. Wells Fargo then charged me the full 28.99 % interest on the entire initial balance in the amount of Interest Charged + {$2700.00} New Balance {$3100.00} Credit Limit {$9800.00} Available Credit {$6600.00} Statement Closing Date XX/XX/XXXX I have called the Wells Fargo Customer service on XX/XX/XXXX. I explained the situation. They processed my autopay for {$350.00} and they told me that the account now has XXXX balance. 
It is XX/XX/XXXX today. The XXXX interest fee is on my account to this day. 

I believe this is an example of a predatory practice that must not be allowed by law. 
I had full faith that my account will have XXXX balance on XX/XX/XXXX as it should have been if the company had not stopped my autopay without notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. I DO NOT KNOW ANYTHING ABOUT IT AND IN NO WAY IS ANY TRANSACTION MADE BY ME IS RELATED TO THIS ACCOUNT. 
I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  IS REPORTING 11 FRAUDULENT INQUIRIES RANGING FROM XX/XX/2021 TO XX/XX/2021. EXPERIAN  IS REPORTING 30 FRAUDULENT INQUIRIES RANGING FROM XX/XX/2021 TO XX/XX/2021. XXXX IS REPORTING 19 FRAUDULENT INQUIRIES RANGING FROM XX/XX/2021 TO XX/XX/2021.