23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am submitting this letter to formally dispute inaccuracies reported on my credit file by theses institutions. Below is a summary of the accounts and discrepancies identified, including the date and credit bureau to which the information was reported I was a victim of identity theft and have also made a report on XXXX also. 

Navy Federal Credit Union XXXX Navy FCU ) NAVY FCU Credit Unions XX/XX/XXXX XXXX NAVY FCU Credit Unions XX/XX/XXXX XXXX NAVY FCU XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Checking or savings account

My Capital Ones High Yield Performance Saving Account had a low yield of .1 % APY. When I opened this account in 2023 I believe this was the highest yield available. I recently open a new account under the same XXXX XXXX Account and it now states 3.7 % APY. I did not know this was possible and I feel very mislead. 

I would have not made this complaint if I did not hear that this was some how illegal but not sure how to proceed. I do wish I knew about this Higher Yield Saving Account back when I opened my original account and I would compiled all of my savings in this 3.7 % APY to help with the increasing costs of everything else. 

Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

My account with Wise was closed abruptly on or before XX/XX/2023. In doing so they are preventing me from helping and supporting friends and family abroad. They did not give me a valid reason nor the opportunity to defend the use of my account. This is unprofessional and done without concern or care for me as the customer. It is not a crime to help and support individuals that are less fortunate. 

I am very disappointed and dissatisfied with the decision. I would like to have my account teopened. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian needs to conduct a proper investigation for 2 charges offs reporting on my Experian credit report. I believe there are multiple errors on my credit report that have not been validated according to the FCRA. It is hindering my ability to obtain credit. I attached a letter with my request to delete the charge-offs from my credit report.
Product: Debt collection

I disputed a charge on my credit card almost 5 years and since then they have constantly called and harassed me on a daily basis at least 6 times a day and threatened to sue me. They call everything day harassing me
Product: Credit card or prepaid card

Chase mislead my expectations when I applied for their  Chase Slate card to p erform a balance transfer. During the application process they asked for the amount that I would like to transfer, and upon completing the application, I learned they gave me a lower limit than the transfer amount I requested. Obviously, credit card limits are based on a clients ' credit worthiness. So, why would you ask me for the amount I would like to transfer, if that does n't have any bearing on the limit I will get on the card? Now, I 'm expected to ask for a credit line increase which will count as a second hard inquiry, and again, it was n't increased to the amount I asked to transfer. In essence, do n't ask your potential clients how much they plan to transfer to yo ur Chase Slate card  because the card limit is not based on the transfer request, but on their credit history, like any other credit card! I expected to receive a balance transfer of {$6400.00} and was subsequently approved fo r a Chase Slate card with  a limit of {$2000.00}. I spoke to their representative, and they said I would have to ask for a credit limit increase and I was approved for a poultry {$400.00} ( new limit {$2400.00} ). In what way does this " balance transfer card '' ( misrepresentation of this product ) help me eliminate the entire debt balance I was hoping to transfer? Simply speaking, if you had n't asked for the transfer amount I would have like, this situation would be less frustrating because I now ha ve 2 inquiries a nd a reduce d credit score for a pro duct that mislead my expectations. Alas, thank you, for misleading me into completing the application for this credit card disguised as a balance transfer card.
Product: Credit card

To Whom It May Concern, My name is XXXX XXXX. I have Chase Freedom credit card from Chase Bank. The Chase Freedom credit card comes with a card holder benefit that you can earn 5 % cashback bonus on certain spending categories each month offered by the Chase Bank. 
I have signed up the 5 % cashback bonus program for XX/XX/XXXX that includes spending at Supermarkets XX/XX/XXXX. I have XXXX Chase Freedom credit cards and I have always signed them up at the same time. 
Under the impression that I am eligible to earn 5 % cash back on spending at the Supermarkets, I have used one of Chase Freedom credit card for all my spending at all Supermarkets that I shop for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But I did not see any cash back bonus earned on my credit card statement for these months. I finically made a phone call to Chase Bank questioning about my eligible 5 % cash back bonus, and to my shook they told me the only credit card that I signed up for the second quarter cash back bonus program is the one that I did not use at the Supermarkets and the credit card that I did use at the Supermarkets was never signed up for the program at all! 
What more troubling to me is this is not the first time that had happened with my Chase Freedom credit card that they claim I did not sign up the cash back bonus program and all my eligible spending were excluded from it. Chase Bank used to send out a confirmation email to the customer when they sign up for the quarterly cash back bonus program, but they have stopped doing that for the past few years. The only way consumer can verify their sign up status is view through Chase account online. 
I am like most of consumers do not do a screen print when you signed up the cash back bonus program, and that is where I believe the Chase bank had engaged in targeting certain high spending consumers who signed up the program, but do not provide them with any confirmation then later remove them from the program to eliminate their eligible cash back bonus and to boost the bank profits at same time. 
I believe I am not the only victim that had fall into their traps, and it has become a new tactic for Chase Bank to boost their profits by cheating on consumers like me. I believe Chase Bank 's actions have constituted a fraud and it worth further investigations by the Federal Government. 
Sincerely XXXX XXXX
Product: Mortgage

My loan has been sold three times since XXXX when we closed on the loan. Selene purchased it the second time, for one month, then sold it ; but Selene is still managing the account ( much to my dismay!! ). 
They have never credited my additional funds to the principle.They have never credited my payment on time... always credit it the last possible due date before it is late- even though they have my payment on or before the XXXX day of each month. I have no idea what they do with my additional principle payments I send each month. I have no idea why they wait to credit my payment. I have no idea why they never answer their phone. I have called them about 30 times in the past 3 months only to speak to a person once. He was very nice and promised me he would see that I got all the information I was requesting, and that everything had been credited as I expected it to be... All of which was a lie. I never have received anything from them except my monthly statement, which is auto generated every month and is incorrect. NONE of my additional principle funds have gone toward the principle. 
Why don't I get any say in who gets my loan? Selene is the worst mortgage company I have ever TRIED to deal with.
Product: Credit card or prepaid card

made my proper payments to XXXX  credit card for the month of XXXX and XXXX someone that works for XXXX credit card services was able to use my information and get my payment funneled into their hands by acting like a representative of the company trying to receive my monthly payments i realized in XXXX that the payments i made for XXXX and XXXX where not properly placed and not applied ruining my perfect credit history this needs to be fixed and show that was i never late on my payment
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for a XXXX credit card through Chase financial. They advertised a promotion that allowed me to earn XXXX points if I spent XXXX in the first 3 months of having the card. I meet all the  qualifications of the deal but I was only awarded XXXX and  was given a {$250.00} credit on my bill. On XX/XX/XXXX I contacted Chase to try and rectify the situation but was told that since I did n't call within 90 days they would not honor the promotion anymore.
Product: Mortgage

I BEING VICTIM OF A RACISM ACTION BY MAKING A MISTAKE IN ORDER TO PRESENT DENIAL ASSUMPTION History Starts few Years ago when Assumption Application was sent several times and being Ignored, not even a letter return Bayviewloan for us Until I contacted CFPB thats when Bayviewloan contacted me with false excuse saying they never received any document.

NOW, here With the Assumption that was Denied after years of being Ignored until I bug everyone from Bayviewloan, CFPB, ( Consumer Financial Protection Bureau ).

Now all documents sent every time Bayviewloan Servicing asked for something different, we provided anything they asked for and obviously every time a document was sent, we received answer after weeks, I think to make it longer or make us to desperate and stop dealing with us XXXX with bad XXXX, The final decision for Denied the Assumption Bayviewloan Servicing said is because is being the loan is currently past due greater than 30 days??? 
IT IS FALSE AND MADE MISTAKE ON PURPOSE TO DO THAT AGAINST XXXX CUSTOMERS. 
I Paid Balance that was behind on : XX/XX/XXXX Bayviewloan Representative gave me Confirmation # XXXX Denial Letter Received XX/XX/XXXX XXXX XXXX @ XXXX when I tried o make the regular payment, I was told by XXXX, Employee XXXX that previous payment I made on XX/XX/XXXX, wasnt received and took by the representative properly, than he gave me the right amount and MADE NOTES ABOUT BANK REP MISTAKE, HE then took the payment missing by mistake and gave me the confirmation # XXXX I hope you can fix that mistake or the problem that Caused to me in case that this is not just a purpose mistake and I being victim of racism. 
Since than I being Ignore as well. 
*I being e-mailing since than 2 times per week. 
*Sent letters to all the Bayviewloan Servicing addresses I found. 
I being Ignored Since they knew their mistake of REFUSING MY PAYMENT AND getting other different amount then what I wanted to pay = balance. 

being sending e-mails as well to. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX answer. 

On XX/XX/XXXX @ XXXX I was able to Speak with : XXXX, Employee XXXX HE made notes about the mistake made previously when Other EMployee Representative from BAyviewloan SErvicing Didn't get my Payment correctly, XXXX then gave me a different REference number and corrected the mistake as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Thank you for your prompt attention in correcting some adverse information on my credit file. However, I still find accounts that need to be repaired. Therefore, I request that all inaccurate information for the accounts listed below be fixed immediately : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$1100.00} XXXX  XXXX Balance Owed : {$31000.00}
Product: Mortgage

Since last year, VA XXXX XXXX have been sending letters to my home, addressing them to my husband, a war XXXX vet. The problem is that he died 5 years ago. We, my son and I, have been contacting these companies. They do not indicate company names in their correspondence, so we have had to call and email them requesting cease and desist, because he ( we provide name ) is deceased. If we talk to them they agree to do so, but then, their letters keep coming. I am not sure if they are accessing my husband 's information. If they were looking at county information, my name would be there, as a vet and home owner and I have received no correspondence from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking the deletion or modification of erroneous and inaccurate information contained in my credit file. I submitted a formal request to all 3 credit bureaus ( Experian, XXXX  and XXXX  ) on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. 
I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been 4 months now and I have not received any responses from Experian and XXXX  to my requests. I did receive a response from XXXX but not all of my issues were fixed.
Product: Debt collection

I took out a personal loan with World Finance, and up until a few months ago, I have been making payments on the loan. I received a payment that was reversed out of my checking account. I tried contacting the loan company to address the matter but no one was answering my calls at the XXXX XXXX Illinois location. I later found out that the lender closed the XXXX location where I originated the loan, so I later found out the loan had been transferred to a new location. I called multiple times at the new location and it went into voicemail. Multiple messages were left and no return phone call. I received a notice that my wages would be deducted from my employer. In review of the letter, the letter was dated XX/XX/2023. It stated that I had 20 days to address the balance. However, the letter was not sent until XX/XX/2023. This meant that the lender appeared to be falsifying the date that they notified me of an attempt to wage assign my paycheck. With that stated, contacted the XXXX office and spoke to the manager XXXX She told me that the loan could be refinanced with one payment however, she did not have access to the account at her location. I then asked for the District Manager who she said was named XXXX. 

I contacted the South Carolina location which appears to be the corporate office to address the matter, but no one would assist me with the matter. I was told that the District Manager would be calling me 4 times no one called me. I called the corporate office on XX/XX/2023, and was told that the Regional Vice President XXXX XXXX would be calling me I did not receive a call from XXXX XXXX At this time, I am disputing any collections on this loan due to the Lender not returning calls and not doing what they have promised. In addition, they have violated state and federal statutes with the way that the wager assignment is attempting to be enforced. 

The Manager at the XXXX XXXX XXXX where the loan was transferred finally called me on Friday, XX/XX/2023, with a nasty attitude. She claims never called them and that is false. All she was telling me was that could not do anything. Then I tried to make a payment online and the account was blocked from me being able to access the account to make payments. At this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly invetigate and correct the dispute account from my Credit Report. The Credit Reporting Agencies continued to report this account as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the account is investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THIS ACCOUNT! I do not believe I am late on the dates this account reports. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

DEPT OF EDXXXX XXXX Opened XXXX. XXXX, XXXX Balance {$440.00} DEPT OF ED/XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$1900.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$600.00} DEPT OF ED/XXXX XXXX Opened XXXX XXXX, XXXX Balance {$2100.00} DEPT OF ED/XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$1900.00} DEPT OF EDXXXX XXXX  Opened XXXX XXXX, XXXX Balance {$3600.00} DEPT OF ED/XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3800.00} XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$8.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$44000.00}
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX XXXX XXXXXXXX Balance Owed : {$28000.00} XXXX XXXX XXXXXXXX Balance Owed : $ {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

experian reporting XXXX  XXXX as potentially negative but nothing wrong XXXX XXXX ftc XXXX  XXXX  ftc violations
Product: Credit reporting or other personal consumer reports

this is what is reporting on my credit report company has not sent no paper work regarding this information or did they show me a contract of the information. i try disputing it with the credit bureau regarding this and the company says its verified. please send me a copy of the debt that it belongs to me. 

I.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX  Balance details 0 % paid off Balance {$470.00} Balance updated XXXX XXXX, XXXX  Original balance {$470.00} Account info Account number XXXX Date opened XX/XX/2024 Account type Collection Status Collection account. {$470.00} past due as of XXXX XXXX. 
Status updated XX/XX/2024 Payment summary XXXX  XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Comments- Your statement - Contact info Name I.C. SYSTEM, INC Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting me as 30 to 60 days past due on the XXXX account number XXXX. This account has a {$0.00} balance and {$0.00} past due. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an FTC identity theft report and tried many times to fix this problem but no one has responded to help me.
Product: Credit reporting or other personal consumer reports

Our current apartment complex, XXXX XXXX XXXX filed an eviction on me and my wife XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, then rescinded the eviction on XXXX  but somehow the eviction has still been issued against us although the court information is showing the rescission. The eviction is now showing up as and " Eviction '' on our credit file when it should have never been reported as we have never been evicted. It is now harming me and my family and has caused us to be denied housing as our current lease is up and were trying to rent a home elsewhere, however we are being denied approval due to this false eviction informationXXXX Our apartments " Legal Department '' has been advised of this issue and they have admitted this should never have happened and that its never happened before when they've rescinded an eviction, but they are also stating it wasn't them that reported it to the credit agencies, that it must have been at the court level. So they seem to not want to do anything additional to rectify this issue. In the meantime, me and my family are being denied housing, and have less than 2 weeks to find alternate housing!
Product: Money transfer, virtual currency, or money service

I was looking to sell my dining table which I posted on XXXX. I was contacted by the buyer looking to do the transaction. She had some odd buying instructions but I didn't think too much about because it seemed like she was buying a few items too be shipped together by a moving company. She sent me a cashier 's check for {$1900.00} which she told me a part was for me to pay the movers. This was deposited on XX/XX/2019. I did think this was odd but the cashier 's check cleared quickly. To pay the movers, {$1600.00}, she asked to use XXXX pay through my Chase bank on XX/XX/2019. It was weird but this didn't set off any alarms for me as I believed Chase would compensate if anything were to happen. Little did I know, this was not the case as in their words, " I made the transaction on my end, and accepted it. " SO both XXXX and Chase will do nothing to help in recovering the money or protect me from the scam. The cashier check then got returned XX/XX/2019 which is why I am writing this as i thought this was odd and went to go deal with this today at Chase.