23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In early XX/XX/XXXX, I asked Chase Bank to provide a reason why I did not receive a Free Night Award for the {$15000.00} spent in XXXX with my XXXX  XXXX  XXXX credit card. They came back to me saying I did not meet the {$15000.00} spend requirement and said the Chase XXXX team will send a letter to me explaining why. Now that it is the end of XX/XX/XXXX, I have still yet to receive a letter from them to understand how much I was short of that {$15000.00} spend requirement. When calculating my spend for XXXX, I got a total of {$15000.00} with returns, adjustments, fees, and XXXX spend all taken into consideration ( deducted spend that would not be ineligible ). This meets the spend requirement. All of this is captured in CASE # XXXX, which has not been addressed to my satisfaction since there is no proof that I did not meet the spend requirement.
Product: Debt collection

I noticed on my credit report that a collection was added by a Wakefield and Associates from XXXX, TN. The account was placed by XXXX XXXX XXXX on XX/XX/2020. To the best of my knowledge I have received no written communication nor have I spoken with anyone at this company regarding this debt. I am assuming that XXXX is also XXXX based out of XXXX, TN. XXXX was the XXXX XXXX  provider at my employer XXXX XXXX of XXXX. I was seen in our XXXX for flu like symptoms. The co-pay was paid at a reduced rate and the remainder to the best of my knowledge was paid by my insurer XXXX  XXXX XXXX. The amount showing on my credit reports is between {$110.00} and {$110.00}. I wrote Wakefield and Associated on XX/XX/2020 to verify the debt but I am yet to hear from them. I feel that this debt is not valid and I am looking to have this account removed from all 3 of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN ENTRY IDENTIFIED AS U.S. BANKRUPTCY CHAPTER XXXX  THAT IS REPORTING ON MY CREDIT FILE. THIS  INFORMATION IS INACCURATE AND SHOULD BE DELETED FROM CREDIT REPORT IMMEDIATELY. I WOULD REALLY APPRECIATE YOUR ASSISTANCE IN RESOLVING THIS MATTER BECAUSE IT IS CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT.
Product: Checking or savings account

On XX/XX/2017, my house was broken in and {$60000.00} face value of US Savings Bonds were stolen. I called XXXX XXXX Police and a crime report was written. I also reported to the Treasury Dept for the bonds being stolen. Treasury Dept directed me to submit some forms to verify identity, to identify the numbers of the bonds, and to convert the paper bonds into ibonds. 
OnXX/XX/2017, Chase Bank in XXXX Arizona opened bank accounts ( # # XXXX & XXXX ) for a person in the name XXXX XXXX XXXX by means of my social security number and California driver 's license number, and let this XXXX XXXX XXXX cash the stolen bonds for {$94000.00}. I do not understand why Chase Bank let this person redeem the stolen bonds even though the names on the bonds do not match this person 's name. 
Chase Bank hurt me gravely. 
1.Treasury Dept asked me to pay back the {$94000.00} plus interest and penalty charges and sent it for collection.

2.Treasury Dept reported to credit agencies for a delinquent account of over {$130000.00} and interests were accrued daily.

3. IRS asked me pay tax on the earned interest as if I had cashed the bonds
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 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 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 or other personal consumer reports

XXXX XXXX Inquiry : XXXX XXXX, 2025 XXXXXX/XX/XXXX Inquiry : XXXX XXXX, 2025 XXXX XX/XX/XXXX Inquiry : XXXX XXXX, 2025
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U. S. C. 1681c-2 ) that you, EXPERIAN reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card 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 These accounts have resulted in several hard inquiries and fraudulent collections and charge-offs appearing on my FICO consumer credit report. The aforementioned accounts, collections, charge offs, appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, charge offs, are a result of identity theft and fraud. I have attached a copy of my FTC identity theft report complaint # XXXX as proof of the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, charge offs, are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY FRAUD. SOME INDIVIDUAL(S) HAS BEEN USING MY IDENTITY TO OBTAIN SERVICES AND GOODS AND IVE TRIED MULTIPLE TIMES TO CONTACT THE XXXX CREDIT BUREAUS, EXPERIAN, EQUIFAX, AND TRANSUNION TO REMOVE THESE ADDRESSES AND THEY HAVE BEEN REFUSING. PLEASE REMOVE AND BLOCK ALL THE FOLLOWING ADDRESSES BECAUSE THEY ARE INCORRECTLY REPORTING ON MY CREDIT FILE. 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 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 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 card or prepaid card

Chase recently closed a credit card account without asking or notifying me. When I called to inquire why, they said it was due to " bank policy ''. The account was current and in good standing, as are all of my other accounts with them. The representative I spoke with could not reinstate the account or provide any explanation for why it was closed. 

Based on a career spent XXXX XXXX XXXX  XXXX XXXX, I know these types of things can happen by design or by accident. When policy is referenced, I assume the process is working as designed. 

I'm confident they can do better.
Product: Checking or savings account

In response to a Citibank bonus promotion, I went online to open a checking account on XX/XX/XXXX. According to the deadline clause in the notice dated XX/XX/XXXX, All information must be received and validated within 30 days of the application date to complete fulfillment of the account. After that date you will be required to re-apply. The 30-day deadline was XX/XX/XXXX. 

The Citibank letter, dated XX/XX/XXXX, claims that the signed signature card from me was not received until XXXX XXXX. That means that all information was not received by the deadline of XX/XX/XXXX and I was required to re-apply. 

I did not re-apply. However, the account was opened after the 30-day deadline of XX/XX/XXXX, on either XX/XX/XXXX or XX/XX/XXXX. Furthermore, my authorization was used to withdraw fund from another bank to fund the account on XX/XX/XXXX. 

Have uploaded correspondence from Citibank dated XX/XX/XXXX and XX/XX/XXXX as attachments. But did not see an indication that they were attached.
Product: Checking or savings account

I was try open my account back open or figure out why it was close they want me pay XXXX to close the account then re open a new one
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE STUDENT LOAN/EDU THAT IS LONG TIME PAID OFF AND CLOSED, SOME ACCOUNTS BALANCES ARE INCORRECT THAT THESE 3 CREDIT BUREAUS. XXXX, EXPERIAN, AND XXXX MAINTAIN IN MY RECORDS ON PURPOSE JUST TO KEEP MY SCORE LOW MAYBE BECAUSE I AM AN XXXX XXXX. THEY NEED TO UPDATE MY FILE. THEY ARE SOME ACCOUNTS THAT ARE SETTLED WITH LENDERS THAT ARE NOT EVEN REFLECTING ON MY 3 CREDIT REPORTS. KINDLYACTION NEED TO BE TAKE WITH THESE 3 CREDIT BUREAUS. THANKS.
Product: Student loan

I paid off my loan at the end of last month and sent a message to them on XXXX about what would happen next with paying it off but never heard back. Their app says they will message back within 1-2 business days but they havent yet.
Product: Credit card or prepaid card

On XXXX XXXX I purchased from XXXX XXXX XXXX through PayPal XXXX assuming that PayPal is a safe place, an XXXX hand made dress called XXXX XXXX and paid {$490.00} plus shipping {$30.00}, total {$520.00} with my PayPal credit. After a week I received an empty envelope 6x9 inches with XXXX tracking number. The seller provided that tracking number to PayPal. So PayPal assumed that the transaction is done successfully. But understandable that the dress couldn't fit in that 6x9 envelope. I opened a dispute with PayPal case I'd XXXX, and provided the picture of the envelope with the same tracking number and the picture of the dress, which I ordered.So it is clear that it is a scam, Now PayPal is asking from me additional info otherwise will decide the case for seller 's favor, or to complain to companies like You or XXXX. So dear CFPB I NEED YOUR HELP. 
Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have submitted a letter to XXXX about some items that i asked them to verify with my name on them on XX/XX/2018, and they have not respond to the letter requested.
Product: Student loan

My federal student loans were transferred to Mohela from XXXX. I uploaded a PSLF form on XX/XX/XXXX to update my employment and payment tracker. After months of the status being stuck in " processing '' the form was marked as " Duplicate form '' and cancelled. 
The PSLF form was not a duplicate, and those payment periods still incorrectly say employment not certified. 
I wrote to Mohela on XX/XX/XXXX, and received a response indicating it was an error, the form would be processed again, and the processing time would be another 90 days. 
Once again, the PSLF form was marked as " processing '' ; after the 90 days were almost elapsed, the form was marked as cancelled, again, with no explanation.

I received no communication about this, and only noticed by logging into my account and checking the status. I wrote to them again asking for an explanation of the repeat mistake. I suspect forms are just being cancelled and then resubmitted, to restart the 90-day processing time for the agency.

Correspondence and screenshot attached.
Product: Credit reporting or other personal consumer reports

I did not authorize the following inquiries : 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 or other personal consumer reports

A few days back, I reached out to Experian via phone regarding the incorrect addresses listed on my profile. I have also taken the step of sending them letters concerning closed accounts that continue to appear on my consumer report without my authorization. These accounts have been closed, thus they no longer have the right to be reported on my consumer profile.

Additionally, I have been proactive in reaching out to all collection agencies involved, disputing their claims, and requesting validation of the debts. As per the Fair Debt Collection Practices Act ( FDCPA ), until these agencies can verify the accuracy of the information provided, they are not legally permitted to report on my account. It is essential that my consumer report accurately reflects my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several accounts with Experian in XX/XX/. Upon supposed completion of the investigation XXXX collection accounts were validated/updated erroneously. 
I have never had any contract or agreement with any of these collection agencies XXXX XXXX XXXX, XXXX XXXX nor XXXX. XXXX. I also have not given them permission or authority to report anything on my credit reports and they have not and can not provide such documentation of any agreement or consent because it does not exist. They have provided no evidence whatsoever that this debt it accurate or valid at all yet is has not been removed from my credit report.
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was alarmed to see unauthorized inquiries. I always monitor my report, but this time, I saw discrepancies that were completely unexpected. I refreshed my browser, hoping it was just a mistake, but nothing changed. Im demanding immediate attention to the documents Ive sent to ensure this issue is resolved permanently.
Product: Checking or savings account

On or about XX/XX/XXXX, right before the fraud transactions happened ( XXXXXXXX XXXX XXXX account attached to email XXXX, a series of fraudulent activity also occurred on multiple platforms. I had fraudulent activity on my credit cards ( XXXX as well ), social media accounts, and my email login credentials were changed. ( I attached photos ) It wasnt immediately noticed that a large amount of money was removed from my savings account, as I rarely check that, thinking it was safe. The police were notified, and an identity theft report was filed. This has been a very stressful situation for me and the hardship it caused is unimaginable. 

XXXX XXXX mailed me letters from the merchant that contains IP address login information, which is part proof of Authorization, from me. Whats bizarre about those, I was able to recover my emails and there was email sent From the merchant that also contains IP addresses, only one of the the 8 which matched the ones on the documents they sent to XXXX They were all from different locations some relatively near and some far from my hometown, including XXXX XXXX XXXX XXXX. The information that the merchant is providing seems very in accurate and questionable. Ive contacted XXXX XXXX fraud department. They were able to recover 5 of the 12 unauthorized charges. After that Ive gotten no help. Ive asked for a written explanation from the bank multiple times so that I could prove My innocence.. Im not sure how Im being told some charges were unauthorized and refunded to me, but the others were authorized. Im not a scammer, and none of the charges were authorized by me. 


On XX/XX/18, I had {$5000.00} taken out on an IP address in XXXX  How is that me? I am attaching screenshots of the IP address along with its location. I would like to get to the bottom of this and be helped before forcing this to arbitration. Thanks
Product: Credit card or prepaid card

I received a Bank of America XXXX Alaska XXXX credit card that I took into the XXXX XXXX XXXX, XXXX, Florida branch office. I explained to them that I did not to my knowledge of knowing apply for this card. Especially not one regarding Alaska because I am not a fan of severely cold weather. They saw that the card had not been used and I asked that the account be closed. I think this starting back in XXXX of XXXX. In XXXX of XXXX, I received a Plan statement stating that I had a fee charge of {$75.00}. I went back into the local XXXX XXXX XXXX XXXX, Florida branch and explained that to my knowledge of knowing I did not apply for this credit card as well as requested that this account be closed. I was informed that I may be responsible to pay the {$75.00} dollars if it was determined that I applied for the card. I decided to pay the {$75.00} dollars ( XXXX ) to avoid any derogatory information affecting my credit. I made that payment in their office. Then, I was put in touch with the Fraud Department. First, I spoke with someone name XXXX at XXXX. Then transferred I was transferred to someone name XXXX who was a rep with the fraud unit. He said that this card was applied for from my email address. I honestly do not recall applying for this card. I do travel when I can but Alaska is not a place I would attempt to go to let along get a credit card. I explained as well as the bank could see that no charges had been placed on the card simply because I try my best not to use credit cards. Additionally, I had asked them to close the card, I believe twice. The fraud department said that they would investigate this and. After checking my credit recently, I discovered that this account is still opened. Plus on XX/XX/XXXX I received another statement saying that my anniversary in XXXX is coming up and I will need to pay not XXXX dollars this time but {$95.00} dollars annual fee. I asked Bank of America several times to close this account in person and serval times by phone. To this date which is about a year if not longer and the account is not closed. This seems like a scam to me. How many other people are they ripping off like this? Please help me get Bank of America to close this account. They are causing my credit rating to decline. I value my credit. If you check my credit history, you will see that I do not have any credit cards. Thank you
Product: Checking or savings account

I got approved for a personal loan and they paid these other to l had and did not give me any money but paid it off they considered the two amounts on personal loan with each other the personal loan was for a companion dog.
Product: Debt or credit management

My servicer at the moment were sls specialized loan servicing they drop my account in XXXX and turn me over to shell point mortgage servicing I am behind on my mortgage serveal of months understand I was approved for loan modification so we went the loss mitigation for a repayment plan I have been working on this since XXXX with company to solve this account I have a foreclose sale scheduled for XX/XX/year> shell point is taking there time to respond to me as a customer who has rights to not lose my home am willing to work with the repayment plan and moved forward and pay all the fees they are looking for they have submitted the paperwork to the underwriting now am waiting on an approval to same my home and have a down payment
Product: Debt collection

Credit Services has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

My accounts 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 my 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/updated.

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.

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!
Product: Debt collection

They start calling at XXXX and they do n't stop until XXXX est. they are calling me on XXXX 's now too. This is the number they just called me from on XXXX XXXX ( XXXX ) XXXXXXXXVA, USA
Product: Credit card or prepaid card

I found a gift card issued by www.giftcardmall.com expiring in XX/XX/2024 Out of 16 digit Visa / Debit card number on front of the card, only nine of them are legible. On the back of the card, the 19 digit number & the security code are all legible. 
Called the gift card company @ XXXX and opened a case XXXX, they asked for my phone number, email, home address, copy of my driver license and copies of front and back of the card and the purchase receipt. 
.I don't even remember who gave me the gift card, so I wrote them back letting them know, that I can not find the purchase receipt. 
They emailed me back, to let me know unless I found and give them a copy of the purchase receipt for the card, they will not be able to give me a replacement card. 

Wanted to see & check if there is a remedy to this situation and any way to stop the gift card company 's unscrupulous practice?