23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

When I applied for this card XX/XX/2016, it 's headline feature was an offer of XXXX Frequent flyer miles on it 's affiliate, XXXX.The feature was listed in the magazine ad that induced me to apply for the card. This specific feature, {$1000.00} of spending in the first three months after card issuance would generate XXXX FF miles, was then and is now advertised in the seatback pocket of every XXXX XXXX seat of every XXXX XXXX flight. It also was and is the first listed feature on the card website, theexplorercard.com. I set about meeting the minimum spending requirement of {$1000.00} in the first three months ( {$1300.00} total on my first XXXX statements starting immediately when I received the card ). I waited a month expecting the additional XXXX frequent flyer miles to appear in my XXXX XXXX Mileage Plus. When the miles did not appear, I contacted Chase ( the card issuer ) and inquired. I was told that my account was signed up for a different offer ( XXXX FF miles for {$2000.00} of spending in the first three months ). This was not the offer I had seen in any advertising. I had asked about the XXXX mile offer when I applied for the card on the phone indicating that those were the terms of the offer I was seeing. 
As a result, even though I met the conditions of spending {$1000.00} in the first three months, I will receive no frequent flyer miles for that feature. This appears to me to be a bait and switch offer since I never saw any advertising depicting the altered terms. I let them know what offer I was seeing when I applied and the predominiant advertising still touts those terms. When I appealed, my appeal was rejected. Although, this is a annual fee card ( {$95.00} ), and I spent the required dollars ( and could have spent the {$2000.00} spending requirement if I had been properly informed ). I have no frequent flyer miles to show for my actions due entirely to bad faith on the part of Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Inquiry was taken place on XX/XX/2018 a credit reporting app called Credit Karma. The company that is called XXXX had done a unauthorized/unknown hard inquiry about my credit. In the description of XXXX  was XXXX XXXX XXXX. I called the bank through the inquiry line and they said contact credit karma. Credit Karma has no contact number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to use my FCRA rights with all three credit bureaus ( XXXX, XXXX and Equifax ) by requesting the exact same, sent at the same time. Issue was, nothing was done. Monitoring this platform, ensuring we just do this right and be done. 

My name is XXXX XXXX XXXX, I have requested all the credit bureaus to make multiple changes between CFPB, XXXX, XXXX and anyone else 's that would listen I want AGAIN after I sent letters XXXX months ago no response three credit bureaus. 

Please, all I want is my credit and financial FICA/FICO 's rev-elevated, ensure all three bureaue 's have the same personnal information as I expressed to each of them, one name : XXXX XXXX XXXX, XXXX XXXX XXXX ( same ). Job, ( same ) I worked 30 years, I sacrificed all of those years with being a police officer, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I deserve them to get my credit correct!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

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

My wife pays our bills via computer and yet credit card company 's refuse to mail paper statements so we can pay promptly. She tried the online systems and they do not work for her, hence paper statement is needed to prepare checks for mailing to assure payments are made. American Express refuses to provide United States representatives to discuss our financial matters and we do not have to use foreign personnel placing our right to financial privacy at risk as an Alaska resident. My wife spoke with XXXX, American Express Executive Customer Care, ( attached ) who reassurred statments were to be sent to our home address in XXXX AK. She received a notice on XX/XX/2017 noting payment was due on XX/XX/XXXX, and yet no statement since her conversation on XX/XX/2017 and still no statement. She can not log onto American express due to faulty programing that will not allow her to retain password and use her adaptive technology. I/we are tired of being charged late fees, having past due notices placed in XXXX, XXXX and XXXX because they refuse to send us statements. Can you assist with this matter. 
we do not dispute owing our accounts we dispute being charged late fees and maximum interest and having negative marks on our credit files because they refuse to mail statements. This will have to be discussed with my wife via email XXXX as I am away at work during normal business hours M-F. No more phone conversations only email will suffice or written documents.
Product: Credit reporting or other personal consumer reports

As per XXXX XXXX XXXX Transunion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX # XXXX -BALANCE {$5900.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX {$19000.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX -BALANCE {$59000.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX # XXXX -BALANCE {$340.00} DATE OPENED XX/XX/XXXX Unauthorized Inquiries : XXXX XX/XX/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
Product: Debt collection

LVNV reported on my credit report then removed it for a few weeks then added it again. I have asked for 1099C from original creditor, a proof of contract I signed with LVNV and a statement of proof providing funds used to make the loan. I am in distress because this collector and the credit bureaus are adding information on my report, removed it then added it again.
Product: Mortgage

In XX/XX/2022 I requested to have my home appraised in hope to remove PMI. I was informed that I would receive a call in 7-10 days to set up an appraisal. In XXXX I called back and was informed that it was taking longer than normal due to high request. I was also informed that I could rerequest an appraisal and not have to include the home improvements for removal of PMI ; so another request for was done and I was informed this would not delay the appraisal any longer. A few days later I received a call and my home was appraised in XXXX. I was informed by the appraiser that all documents were submitted and I should hear from my lender. A week later I called Mr.Cooper and informed that they have not received anything yet. Several calls made after and it was explained that first the investor ( XXXX XXXX XXXX reviews the appraisal and then sends it to Mr. Cooper and still they havent received anything. In XXXX I Was informed the process then would take up to 45 days from the time of the appraisal and still they had not received it. Then later in XXXX was told that it was received and that Mr.Cooper was reviewing however I should call back in about a week. Then I called back which was now XXXX to be told this time that they hadnt received anything about the appraisal and they would have the back up/ research department look into it. Then a few days later I receive a call from an appraiser requesting to come do another appraisal on my home. So this prompt me to call Mr.Cooper. Was then told that they didnt see anything regarding a request for another appraisal. I asked to speak with a supervisor and was told there was no one I could speak with and that they would schedule a call. I never received a call back from the supervisor when I was informed it would be. I called Mr.Cooper back and this time was told that a second appraisal was being requested because the first appraisal was refused. No one can provide clarification why and I cont. to pay PMI at their expense. Mr Cooper is delaying my right to remove PMI
Product: Mortgage

I have went through the entire process of the loan modification making the test payments required submitting all documents they requested and at the end of the process they send me the paper work for me to sign and its incorrect. Flagstar bank is refusing to give me a loan modification because of incorrect paperwork that they sent out for me and my estange wife to sign that she will not sign. She is not on the loan nor the property deed and she refuses to sign the paperwork because Flagstar has her listed in the documents as being responsible for the modification. I have called them several time and they are refusing to remove her name or send a letter stating she is not responsible for the financial obligations. They are trying to force her to sign something and she has no legal rights to it or foreclose on the house.
Product: Credit reporting or other personal consumer reports

Upon reviewing my XXXX and Experian credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.
Product: Debt collection

I, the consumer, disputed this debt in XXXX of 2020 with XXXX , XXXX. After an investigation, the credit bureau concluded that this account is an error and sent notification to Cavalry Portfolio Services to cease reporting and trying to collect the erroneous account information. Despite notification per the FCRA and removal of the errors by XXXX , XXXX, Cavalry Portfolio Services , LLC has continued to report the erroneous information, attempted to collect, and has continued to operate in violation of the Fair Credit Reporting Act, 611.5Ai.
Product: Credit reporting or other personal consumer reports

On XXXX I asked for VALIDATION of this debt. I DID NOT RECEIVE IT FROM THE CREDITOR. 
On XXXX I asked for a 1099C because the account is charged off. The company responded that they did not have to provide one. 
On XXXX I asked from errors on the account to be corrected. The creditor responded that they did not have any errors on my account that was being reported. 
Today is XX/XX/XXXX and i am requesting that this account be removed from my credit report immediately as proper investigation did not occur. 

Errors on my credit report : 1.The report states that the account was closed in XX/XX/XXXX, but the charge-off date is listed as XX/XX/XXXX. 
2. My credit report shows charge-offs ( CO ) every single month from XX/XX/XXXX through XX/XX/XXXX, a charge off is a one time event ( so on my credit report it should've only been charged off one time ). In The letter from XXXX states that the account was charged off on XX/XX/XXXX, not multiple times over XXXX and XXXX. This conflicts with my credit report, which indicates charge-offs from XX/XX/XXXX through every month in XXXX and XXXX. 
3. Delinquency was first reported in XX/XX/XXXX, yet the payment history shows charge-offs beginning in XX/XX/XXXX 4.In the Letter Response from Comedity Bank/Sephora : The letter states that your account was written off on XX/XX/XXXX, with a balance of {$460.00}, but my credit report shows the account was charged off in XX/XX/XXXX, months before the XX/XX/XXXX write-off stated in the letter. The inconsistency between the charge-off date on the report and the written-off date in their correspondence is significant. 
5.The account also reflects negative available credit of - {$230.00}, which is incorrect. My credit limit on this account was {$200.00}, and a balance of {$430.00} was reported. However, negative available credit is not appropriate and may indicate a miscalculation. 

**ENCLOSED : PLEASE SEE ATTATCHED CORRESPONDANCE FROM XXXXXXXX XXXX XXXX PLEASE SEE COMPLAINTS THAT WERE FILED**
Product: Debt collection

Credit account in collection. I have asked collection company for any information regarding the legitimacy of the account. Over 3 months have passed with no response, and they refuse to remove the item from my credit report. 
All of my accounts with the original creditor are current and in good standing.
Product: Payday loan, title loan, personal loan, or advance loan

Spoke to agent and immediately requested to revoke my ach and pay off loan XX/XX/2023 approximately XXXXXXXX XXXX Az time. Spoke to an agent from cash advance now at XXXXXXXX XXXX Az approximate XX/XX/2023. Requested financial hardship assistance due to XXXX. Advised could not assist. Asked Agent what would be my pay off for XX/XX/2023, advised me {$660.00}. Advised I would try to get the funds to pay off loan. Called today XX/XX/2023 was advised due to a pending. ACH for XX/XX/2023 unable to pay off loan and revoke ach ( after agent took my debit card details ). Asked to speak to a supervisor. Supervisor advised me I needed to call atleast 2-3 days before ACH withdrawal to revoke authorization. Advised Supervisor unfair practices for Cash Advance Now. Was also advised I could only do a pay off for XX/XX/2023 via ACH and not debit card ( more daily interest ) the due date and the pay off would be {$690.00}. XXXX advised the modification to my ach would send a email that would state needs to revoke authorization for ach atleast 2-3 days before withdrawal. Email does NOT state this. Copied directly from the email You agreed that this Automatic Payment Authorization Change Notice will remain valid and in effect until your loan, including principal, finance charges and other charges, is paid in full. However, you may revoke this authorization at any time by contacting your bank, by calling Cash Advance Nows customer service line at XXXX, or by e-mailing us at XXXX. XXXX lender. Beware!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, I received copies of what appear to be front pages of a XXXX XXXX account from XX/XX/XXXX, XXXX that apparently was mailed to XXXX XXXX XXXX XXXX KS per statements and per letter attached final letter mailed to XXXX XXXX XXXX XXXX ( no unit # ) on XX/XX/XXXX as validation of a debt that I have filed with all 3 credit agencies with no resolution. This is my 1st time seeing this information and have disputed these acct with XXXX over 5 times and each credit agent tells me the same thing that the account was verified with them. So I'm now requesting help from the CFPB as this is clearly an account that is not mine and clearly has been omitted due to the inconsistency in numbers and information on the bill I received. To further prove this is not my account I have attached some old documents I had showing that I have not lived in the state of XXXX since XXXX. I Moved to XXXX in late XXXX of XXXX staying with a friend in XXXX XXXX and moving to my own place in XXXX XXXX in which I lived until I moved to XXXX XXXX XXXXXX/XX/XXXX for work and presently live here in XXXX XXXX  as of today. My 1st time visiting XXXX  since I left due to a mess divorce was XX/XX/XXXX for my brother wedding in which I did not stay long if that says anything about me missing nor returning to XXXX for anything. I'm currently in the process of buying a home and this agency has caused a lot of stress and currently preventing me from moving forward due to an acct that I have no knowledge of nor was I at the address listed during this time frame. 

Thank you XXXX XXXX XXXX
Product: Student loan

On XX/XX/XXXX, I called MyFedLoan Servicing to request a refund on my payments made during the covid pandemic, specifically three different payments. They told me that since my loans are no longer with the company, I must contact my new servicer XXXX. 
I contacted XXXX on XX/XX/XXXX, and I submitted a refund request for loan payments during the pandemic. About a week later on XX/XX/XXXX, I called back to get an update and to pinpoint which loans I would like to have refunded. I made multiple payments during the pandemic, so I only wanted 3 loan payments ( which were made to 3 different loans, and therefore I paid off those loans fully at the time, closing the loan ). I specified the payments with the person I talked to. XXXX made on XX/XX/XXXX XXXX made on XX/XX/XXXX, XXXX made on XX/XX/XXXX. 
I called back about two weeks later to see if I can get an update on my loan refund. I had about an hour long conversation with a gentlemen and he seemed to be knowing what he was doing and said he understands and will update the paperwork. About two weeks later I received a call and they were confused about my request since XXXX only has 2 of my loans, totaling XXXX, out of the XXXX loans that I had received during my XXXX. I explained the situation and stated that I made payments to loans XXXX, XXXX and XXXX ( XXXX made on XX/XX/XXXX, XXXX made on XX/XX/XXXX, XXXX made on XX/XX/XXXX ) paying them off fully prior to my loans being transferred to XXXX. 

The person then explains to me that XXXX only received XXXX out of the XXXX loans, since the other XXXX loans were paid off and closed - MyFedLoan did not send the loan information over for the remaining XXXX since they were paid off. They then told me I had to contact MyFedLoan again and request the specific payments I made to be refunded and have those loans reinstated - and then probably transferred back to another servicer after they were. I called MyFedLoan and explained what happened, they didn't really care they gave false information. I called back again and talked to someone who was a little more understanding and then submitted my request for reimbursement of my three payments that I requested. But, they told me the request would take 2-8 weeks for request to be processed, and then another 8-12 weeks for the treasury to refund my actual amount.

So I wasted the last 6 weeks because I received false information multiple times from both services.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app due to inadequate customer service and unfair practices which violate the Consumer Financial Protection act specifically cash app failed to take timely 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 and regulation E these actions have caused significant inconvenience in financial loss and I seek appropriate redress for these violations
Product: Debt collection

AS EOS IS NO DOUBT AWARE, I HAVE REQUESTED THAT VALIDATION BE MADE ON THIS ALLEGED ACCOUNTS INFORMATION, I DID NOT REQUEST VERIFICATION OF THIS ALLEGED ACCOUNTS INFORMATION. EOS HAS NOW LEGALLY EXCEEDED THE TIME FRAME ALLOWED TO YOU BY LAW. 
EOS HAS NOT PROVIDED ME WITH THE FOLLOWING INFORMATION IN THE TIME FRAME ALLOWED TO YOU BY LAW. 
THE FOLLOWING INFORMATION HAS NOT BEEN PROVIDED! 

What the money you say I owe is for.-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Explain and show me how you calculated what you say I owe-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Provide me with copies of any documents that show I agreed to pay what you say I owe-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Identify the original creditor-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Prove the Statute of Limitations has not expired on this account- HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Show me that you are licensed to collect in my state-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Provide me with your license numbers and Registered Agent-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 

At this time I will also inform EOS that your offices have reported invalidated information to all XXXX of the major credit bureaus ( XXXX, XXXX, and XXXX ) this action constitute Fraud under both federal and state laws. Due to this fact, the negative marks that have been found on all of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against EOS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and thus I am submitting this complaint. Someone has used my information fraudulently in an attempt to open accounts using my social security number and my identification. I request that the following item be immediately blocked from my credit report. They must be removed in order to show my true credit history as well as score, as these items should not be on my report to begin with. As per the Fair Credit Reporting Act 15 USC section 1681c-2 ( Blocking of information resulting from identity theft 605B ), I demand that the items be blocked immediately. 

Since 4 days from receipt of this communication is your allotted time under Federal Law to block these entries, it should be understood that failure to do so within a 4 day period constitutes reason to promptly delete the information from my file. Refer to ( FCRA 15 USC s 1681i ( 5 ) ( A ) ). Please refer to the following accounts : Equifax Report... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX