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

According to my understanding of the promotional offers of the credit card, users were allowed " up to {$100.00} '' back for purchasing TSA Pre Check or Global Entry. We have 2 users, and each bought a the TSA Pre check ( valued at {$85.00} ) and would not have bought TSA Pre Check unless we thought we were to be reimbursed. Our understanding was that we would be reimbursed 2 times {$85.00}, or {$170.00}. However, we were only reimbursed a single {$85.00}. On Sunday XX/XX/XXXX, I contacted Chase about the Sapphire Reserve Credit card and asked them why I was not rewarded the additional {$85.00}, they said that they only redeemed " one '' purchase of either TSA Pre OR Global entry per credit card and only up to the amount of the single purchase and not total purchase for all users on the credit card. They told me there was nothing they could do. 

Our main dispute is that the wording in their promotional document ( attached ) is unclear. The document says that we are allowed up to {$100.00} for TSA Pre or Global Entry. It does not make clear that it is ONLY {$85.00} for TSA Pre or {$100.00} for Global Entry. In addition the document does not outline or define " account '' which we fairly understood to mean " user ''. Upon very close inspection of the document, I was unclear what either of the term meant, and the document led me to believe that each user on the card would be reimbursed. 

Finally, this concerns us because we opened up the card after very careful consideration of the costs and benefits, and the extra {$85.00} changes our math. We are now concerned that if we had know this, we would not have gotten the card or TSA Pre, and now we are stuck with the card and its costs. To add to that, the annual cost of a 2nd user on the card is {$75.00}, and we thought that this would afford all the benefits to the second user as the first user. Now we are unsure what adding a second user to the card affords us, and are concerned that we are effectively out a {$75.00} second user fee + {$85.00} TSA Pre change totaling {$160.00} annually.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reporting 30 day late payment on credit report when payment is up to date and on time.
Product: Checking or savings account

I created a chime account on XX/XX/21 and received a transfer of XXXX dollars from my mother 's account. Two days later my chime account was suspended. I emailed Chime 's customer service and they told me to send my ID, social, and security. I sent all the documents but they wouldn't accept my proof of address. I am only XXXX XXXX XXXX and don't have any bills. I emailed them back to ask what documents would work and tried to send new ones but they have stopped responding. I have been persistentally sending emails and calling customer service for the last two months and no one has been able to help me. I would Iike for my account to be re-enabled or have my money sent back to me immediately.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Inquiry : XXXX XXXX XX/XX/2022 :
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX Act # XXXX XXXX Act # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  Act # XXXX have violated my rights. 

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
Product: Credit card

I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my XXXX  history of meeting deadlines.
Product: Payday loan, title loan, or personal loan

This company sent me an email stating that I had applied for a loan through them, and that my application was complete according to the subject line in the email. This company pretended that I had applied for a loan from them even though I have not.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I reported to the vehicle manufacture and dealer that the vehicle has been unrepaired for an extended period of time and the manufacture provided no support. In XXXX of XXXX, I hired an attorney explaining that we do not feel safe to drive the vehicle and have been forced to purchase a new vehicle. When contacting XXXX financial about this they would address the issue via messaging due to the status of the account. Once on the phone they had no solutions or help to offer. At this point the vehicle is being considered a lemon and we are waiting for the manufacture to respond in the meantime we are still paying for a loan with not assistance in terms of an extension or pause in reporting while they and XXXX XXXX XXXX XXXX investigate the issue. 

XXXX XXXX is owned and operated by XXXX XXXX XXXX XXXX XXXX XXXX. I am in the process of negotiating a settlement with XXXX. In the terms in the settlement agreement it states In consideration of the offer set out above, XXXX XXXX & XXXX XXXX a grees that any payments made by XXXX  pursuant to the terms of this offer are in full and final settlement of this matter. In addition, XXXX XXXX & XXXX XXXX waives and releases all claims against 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, their parent companies, employees, and authorized sales and service facilities regarding the use, service, and repair history of the above-mentioned vehicle. Since the settlement specifically is asking me to wave my rights to take any action against XXXX XXXX XXXX. XXXX XXXX XXXX is involved in this issue and as such should be taking action.
Product: Credit card or prepaid card

I am XXXX XXXX this objection is not thru in fault neither is it being made by a third party. I state under penalty of perjury I am claiming that a person or company- without my approval- from unlawful use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was effective in making some accounts. I have no understanding of this and all is being inspected by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written approval to report anything on my consumer reportsno consent is fraud. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}
Product: Checking or savings account

XX/XX/year> I covered all the charges on my account and they still charged overdraft fees and then they are going to start charging XXXX a day until this is cleared. I signed up for this account at a promotional event and they rep at that time failed to inform me of all the excessive fees that they apply to accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account from XXXX XXXX XXXX is continually being reported on my credit report. Under section 15 USC 1681b it is illegal for the company to report any of my personal information to any agency without permissible purpose. 
I have never had any agreement with XXXX XXXX XXXX and do not owe them any debt. 

I have brought this up up with the credit bureaus numerous times and it seems my disputes are being disregarded so I am coming to you for assistance in this matter.

I am requesting that the bureaus be instructed to cease in posting information to my credit report obtained by illegal means.
Product: Checking or savings account

Hello, my name is XXXX XXXX. On XX/XX/XXXX I withdraw money out my account. My last valid transaction was {$400.00}. I then proceeds to get what I needed out the store I bought my items then I left my purse/wallet. I go back and find out that my wallet and purse was gone. I called Wells Fargo and spoke to a representative to lock my card and resend a new one. 3 days later I call to find out my card was never cancel And more charges Appear. Then I had to make another call because she didnt dispute all the transactions! The money was for my rent. Not these charges!!! Im missing half of my rent because someone stolen my card. I even had witness says they saw someone grab the bag! Claim number : XXXX I file a police report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 usc 1681a2 of the fcra lending companies are supposed to have my written consent as me giving my approval to pull my credit file which I never have done so there has been multiple companies who have illegally obtained my credit report and this has caused me issues obtaining credits and have left so many inquiries on my credit profile it is hurting not only my score but my profile and my ability to use my credit properly I'm asking for these hard inquiries to be removed the only inquiries that belong on my credit reports are from accounts that I have opened myself I have not given any such permission so if these companies say they had permission I'm requesting by law written proof with my signature mailed to me if this can not be done any and all inquiries must be removed by law listed below are the credit card or loan companies date of inquiry and a list of their names thank you for your Swift and decisive action as I have been dealing with this for over 2 years now I also have sent an FTC reports multiple times and done everything I was asked to do and these credit bureaus have yet to do what they're supposed to do by law aside from XXXX they were the only ones to remove fraudulent inquiries however this issue is for XXXX and Equifax companies are listed below XXXX XXXX XXXX XXXX XX/XX/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 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 Please make sure every one of these are removed and if you find their legitimate I'm requesting the proof with my signature on a contractual agreement mailed to me as per the law states if this proof can not be submitted they must all be removed thank you and I hope this is handled in a timely fashion as it has already been 2 years since I've been starting to deal with these as they have came up I am only asking for my rights to be legally followed as the law states so if there is no proof mail to me these need to be deleted if not this will be a flagrant violation at the fcra and these companies will be fine {$1000.00} per violation as the law states that I wish would be paid to me as I am the victim of this nonsense thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 I thought a payment was on autopay for XXXX but was wrong. I caught the error almost in time and called XXXX to pay off the full amount. At this time it had not been reported to the beuerues and the rep told me if I ended up hitting my credit to call to have it removed. I called both Experian and XXXX and the account still indicates a 30 day late payment. This dropped my score close to XXXX points and I don't know what else to do but file a complaint here. My credit payment history is not a liability and now my report is showing multiple missed payments and that is not true. Please help me get this removed so I can continue making true progress in managing my finances well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a depute on XXXX to your company XXXX for incorrect information reporting on my credit report which you fail to investigate in the 30 day time frame by law you are required to respond which means the invalid information must be deleted from my credit report Im demanding you delete this inaccurate information immediately! A 30 day none respond letter dated XXXX was also sent please take care of this issue immediately! Thank you.
Product: Money transfers

I live in XXXX ( XXXX ) and use the USAA Bank in XXXX, since I reached XXXX, to collect my SS payments, then once a year I transfer the amount to my XXXX bank ( XXXX Bank XXXX ). Never a problem until last week when I wanted to make another transfer. The international wire dept, said that they has new verification questions to ask before being to wire money. I said " fire away '' but they told me that their 'question qenerator ' would not give them question to ask to verify me - and therefore no transfer. I spoke with their banking dept. and then their technical department ( both gave me XXXX verification ). Both ( at different times ), transferred me back to the international wire department - but I get the same reaction : " we have some different questions to ask, so we still can not wire the funds to you ''. They refused to let me speak to a XXXX and no one has phoned me. I have no idea what the problem is and neither do the XXXX department ( referred to above ). I changed all of my login, pin code, and XXXX security questions thinking that this might be a good idea. But I still get the same reaction ( now XXXX working days ). My credit rating is gold plated ( in XXXX but, I suppose, in the XXXX as well ). USAA will not or can not say what needs to be done to break the log jam, and I am writing to you in the hope that you can determine what the issue is here and when it will be cleared up. ( I filled in your XXXX XXXX to show what ought to have occurred - but did n't ).
Product: Credit reporting, credit repair services, or other personal consumer reports

A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account Number : XXXX Collector : XXXX XXXX Creditor : XXXX Status : Unpaid Balance Amount : {$640.00}
Product: Checking or savings account

I have 4 businesses and business accounts for over 6 years with JP Morgan Chase. Upon opening all of my business accounts I was 100 % transparent with the banker on the type of business it was and how it operated on a daily basis. I have even complied with random compliancy checks regarding my customer accounts, locations, and agreements. I recently received a letter dated XX/XX/2018 from JP Morgan stating that " We have decided to close your accounts ''. I received this for only 1 of my 4 businesses and zero explanation was given. Upon calling the XXXX number to inquire, I was told that they have decided to close my accounts and do not need to provide a reason. I was told their compliancy department made the decision but there is NO way to speak to anyone in that department. I know what the reason is, and it is blatant discrimination against a business segment they no longer want to do business with. I understand they have sent similar letters to others in this industry as well and by terminating my banking relationship they have caused financial damage to my company that must use a national bank to operate on a national level. The particular business I operate that Chase decided to close the accounts of was a full service ATM processing, placement, and servicing company.
Product: Debt collection

On XX/XX/year>, a collection account was opened in my name without my knowledge or approval. I first became aware of this fraudulent account when I was notified of a past-due balance of {$1400.00} as of XX/XX/year>. 

I did not authorize this account, nor did I receive any services or products related to it. Upon discovering the fraudulent activity, I contacted the collection agency and the original creditor to dispute the account. I also requested verification of the debt and asked for any supporting documentation proving that I opened the account. 

To resolve this issue, I have taken the following actions : Reported the fraud to the credit bureaus and requested a fraud alert on my credit file. 
Contacted the collection agency to dispute the debt and requested documentation. 
Reported the fraudulent account to the FTC for further investigation. 
I am requesting that this account be removed from my credit report immediately and that any collection efforts cease. Please investigate this matter and take the necessary actions to correct the fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found a billing issue when I reviewed my credit report. Under U.S. 15. Code 1666 ( b ), billing errors include the creditor 's inability to accurately reflect a statement, a payment made by the debtor, or a credit line given to the debtor, as well as any computation errors or other accounting errors on a statement. As far as I'm aware, the creditor did not send me a statement 21 days prior, thus there shouldn't be any late payment on this account. This is definitely billing issues and I demand to see precise proof from the creditor 's bank account that I failed to pay and was deemed past due. The contested accounts is listed below. 
XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

on XX/XX/2021 i checked my credit report I noticed i had a collection account from MIDLAND FUNDING LLC i called midland funding and when i spoke with someone i was told the debt was XXXX XXXX. 
XXXX is my mother, and i do not assume responsibility for any of her debt. 
XXXX XXXX has filed bankrupcy. 

The individual i talked too was XXXX XXXX from XXXX. 

I did not sign any contracts for this debt.
Product: Debt collection

To Whom It May Concern : On XXXX XXXX, 2015, I spoke with XXXX XXXX of Windham Professionals XXXX who advised me on available options I would need to take to avoid a wage garnishment pursuant to a student loan default. XXXX XXXX requested my XXXX tax form, which I faxed and obtained confirmation of receipt on XXXX XXXX, 2015. I never received a follow up call or email for next steps. 
On XXXX XXXX, 2015, I received a phone call from XXXX XXXX of Windham Professionals XXXX who discussed with available options to avoid default and garnished wages. XXXX XXXX offered ( and I accepted ) a payment arrangement whereby I would pay {$100.00} toward my student loans beginning XXXX XXXX, 2015. The first payment was withdrawn from m account per the agreement on XXXX XXXX, 2015. 
On XXXX XXXX, 2015, I received a letter of garnishment in the mail entitled Employee Notification of Garnishment Order for Student Loan and dated for XXXX XXXX, 2015. This letter informed me that I have received a court order to garnish my wages and that the first deduction would begin on my next paycheck. 
I object to the garnishment because the method by which it was accomplished was unfair and deceptive and I was not afforded adequate notice pursuant to law. I never received prior notice or a Notice of intent Garnish informing me on my rights. I should have been informed of my right to request and inspect copies of my student loan records ; my right to request a hearing to present evidence that the garnishment should not be allowed ; and my right to enter into a repayment plan with the loan servicer. 
If my conversation with XXXX XXXX was my " notice of intent '' ( which can not be considered proper notice ) then orally accepting and agreeing to a payment plan should have prevented any garnishments proceedings. Proceeding with garnishment despite entering into a voluntary payment agreement with XXXX XXXX was procedurally improper and intentionally deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 4 months I have made several disputes with Trans Union/XXXX/XXXX regarding an fraudulent account being reported on my Credit reports. In my written and online request I asked that Transunion please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX XXXX for {$19000.00} .Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have gotten anything from Transunion proving the account is mine. There is no possible way that this account belongs to me.PLEASE HELP
Product: Credit reporting or other personal consumer reports

This acoount does not belong to me XXXX XXXX XXXX in the amount of XXXX I ask that it be removed
Product: Checking or savings account

Unauthorized charges made to my chase bank debit card. Chase came back and told me the charges were authorized and overdrew my account in response to this. I was not even in the same location at the time the charges had been made. I have disputed this three times but chase says that the charges were authorized when they were not. They refuse to help me any further.
Product: Money transfer, virtual currency, or money service

Since I have seen the recent XXXX lawsuit regarding with Zelle, I wanted to write in and express my frustrations and issue with the company as well. I had many issues with zelle in the past and I had reported descepancoes to zelle and my financial institution and they were unable to find a resolution. They were unable to track my transactions leaving my vulnerable and neglected to protect me as a consumer.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and eneou'_ ". intform. leaving and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek redress for these violations