23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On or about XXXX XXXX, 2015, I obtained a Southwest Rewards Credit Card over the internet while making a reservation. The enticement to do so was that I was to receive XXXX miles in Southwest Rewards if I spent {$3000.00} within 90 days. I was provided with a credit card instantaneously to use for the purchase of the tickets that were about {$2500.00}. 

After several months I was going to book another trip with Southwest and noticed that I never received the XXXX miles, of which I was planning on using for the tickets. I sent an email to Southwest sometime in XXXX 2015, and received a reply on XXXX XXXX, 2015, enquiring about the missing reward miles from the credit card and was told in a response several days later that they were not responsible for the process and that Chase Bank is who I need to contact. 

I was also told in a later email from Southwest in response to an email that I again sent explaining that I could not get in touch with anyone at Chase, that the I had opted for a XXXX mile Reward and {$100.00}. 

I did attempt to contact Chase over the phone but I could n't connect with anyone. I attempted to do so several times with no luck, it appears that their automated phone system really is setup to no allow people to get to a person by following the directions. 

I finally did get with someone at Chase on XX/XX/2015.I explained that when I signed up for the card it was only because of the XXXX miles since I already had a Chase Visa card. I then explained that I was not stupid nor senile and that I know exactly what I signed up for and that I did n't know what they were talking about regarding a XXXX mile reward and {$100.00}. I also explained that there is a big difference in value between the XXXX and the one that I signed up for was work a lot more than what they switched me to. While they said that they would attempt to resolve the issue to my satisfaction, I believe that was just a tactic to get rid of me. 

The next day a call was made by Chase to me indicating that they sent the request to honor their commitment of XXXX Reward Miles to their Marketing Department which turned the request down. The reason was that it was past a XXXX day period. I do n't know anything about a XXXX grace period or a time period set to request that they honor what I signed up for. 

I believe that Chase Bank and Southwest Airlines used a Bait and Switch tactic supported by Deception in Advertisement and Business Practices. I also believe that both are in a partnership to defraud people by not supporting and honoring their commitments. Southwest Airlines is just a guilty as Chase since they have their name and logo on the Credit Card, provide advertisement and imply that this is their Card, which may in fact be so based on the fact that while they are not the issuer of the card they do enjoy receiving profits from its use through a possible co-branding arrangement by obtaining a part of the interchange rate if used at merchant locations not banking with Chase or by sharing monetarily when using the card to make a Southwest Air reservation because of greater profits obtained through an " On-Us '' transaction.
Product: Money transfer, virtual currency, or money service

Sunday XX/XX/XXXX I accidentally added a XXXX dollars to my Cash App account. I added it twice because I received a error message stating ( My transaction could not be completed they I I would be notified when it was completed ) on the first attempt. I sent XXXX to my friend and requested a cash out on the other XXXX. I was prompt to pay XXXX for instant deposit and free if I waited until Tuesday. I chose to wait and my other money was sent to an account that I havent used in since XXXX. I explained that to Cash app customer service reps and they continue to act like This is my fault and when I asked for there supervisor or any information they hang up. I still dont know how to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XX/XX/XXXX I received a email saying something was added to my credit report so went to take a look and saw it was for national credit cards/airlines that I never applied or got an credit check for and it is supposed to come off my credit in year XX/XX/2020 but I never did any of this I just need information on getting it removed.
Product: Debt collection

I have a a unverified account from HAUGE ASSOCIATES. I had previously disputed this account. I have never done business with HAUGE ASSOCIATES. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that HAUGE ASSOCIATES Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that HAUGE ASSOCIATES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts and inquiries are furnished on my consumer report without my written permission as a result I'm a victim of identity theft. As a consumer I have the right to privacy of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 itemsI '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 XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XX/XX/XXXX
Product: Checking or savings account

I use TD Bank as my bank. About 3 weeks I noticed that there were 2 checks that I sent in the mail were clearly altered. I called up TD Bank and froze that account. I went into my local TD Bank branch and filed an affidavit of fraud. It took them nearly 3 weeks and only because of my complaining on social media that they responded. A representative from TD bank reached out trying to get a provisional credit. However, the local branch rejected this provisional credit without explanation. It is getting extremely frustrating and difficult to deal with TD Bank. My local branch is completely unresponsive. Meanwhile, a huge sum of money is missing from my bank and I have to pay bills. TD Bank was extremely negligent in allowing these checks to go through when they were clearly altered and they should take responsibility for their actions. They should have contacted me to ensure that these checks were legitimate before taking out such a huge sum of money from my bank account. Therefore, I would like my money back as soon as possible.
Product: Mortgage

XXXX XXXX XXXX, violation to ( Missouri Revised Statutes Chapter XXXX and Chapter XXXX ) Illegal foreclosure under Missouri State foreclosure laws and procedures. 
May this written grievance serve as a demand for immediate action within Ocwen, in regards to an illegal attempt at foreclosure sale of the property of homeowner XXXX XXXX XXXX.It is a fact that XXXX XXXX XXXX ( XXXX ), has failed to perform the following actions under the non-judicial Power of Sale Notice and Requirements under Missouri State foreclosure laws and procedures. These violations are consistent with no publications indicating an auction sale date, time, location or the property in any of the local papers for XXXX, MO. The XXXX local newspaper publications ' would be " XXXX '' and " XXXX XXXX ''. The auction date time location and property description publications, are required to be run for 20 days leading up to the date of sale. Secondly, there has been no certified nor registered mail to XXXX in regards to a pending sale date on his property. The 20 day publication notice of sale is supposed to be also time lined ,20 days from the date of proof of service of notice of sale ; which XXXX never received. Furthermore, this property is still pending a litigation matter with and active case number of XXXX XXXX XXXX. Your client Ocwen Loan Servicing is also still party to the mention lawsuit as well. We are seeking an immediate halt to the sale date pending for XXXX XXXX, 2016. Otherwise a civil suit will be filed in Missouri XXXX court regarding this matter with request for punitive damages. Additionally, the notice of sale attached was received via regular mail on XXXX XXXX, 2016, which is in violation and has given XXXX less than 15 days to prepare for his defense and is in violation to his legal due process.
Product: Credit reporting or other personal consumer reports

All my creditors have been paid off. My credit report shows open delinquent accounts and late payments which is a lie. I took out a consolidation loan that used to be over XXXX dollars and is now only XXXX dollars which will be paid off by XX/XX/year>. I am paying XXXX XXXX automatically from my checking account every month check with them. My credit report is Bogus I want it fixed.Im not late on any payments whatsoever.
Product: Checking or savings account

XX/XX/XXXX I rented a car from XXXX in XXXX XXXX XXXX wi. I had the car for a month and four days with a charge for {$210.00} per week. However, was charged XXXX for this car which is unethical being that I been renting cars for years. One agent told me it was a mistake the lady XXXX I spoke with today XX/XX/XXXX in the executive customer service told me Im responsible for this charge which was unauthorized and charged incorrectly. There was no physical damages dont go the car. I take responsibility for the cleaning gas and tow. being charged {$1000.00} a week is unheard of plus {$200.00} each extra day. Its been frustrating because I have been thrown under the rug for months regarding this matter. The bank institution I was banking with at the time was chase. I contacted them regarding this matter by mail and phone still nothing has been done.
Product: Credit card or prepaid card

My name is XXXX XXXX. I am writing about a problem my wife and I recently had with Syncrony Bank thru a Walmart credit account. The account is in my wifes name XXXX XXXX. The issue we are having is a payment of XXXX dollar was deducted from our joint banking with XXXX XXXX. In XX/XX/XXXX we made a agreement with Walmart collections to make a monthly payment in the amount of XXXX and we have paid that amount since by recurring payment without incident until now. On XX/XX/XXXX I became aware XXXX XXXX  released a ACH payment to them in the amount of XXXX. My wife and I both spoke with Syncrony Reps regarding why they withdrew a additional amount and we are not satisfied with the answers they gave because none of them make since. 
Also, we had stop payment reviews set up by XXXX XXXX and I can not understand why they released the funds in the first place without notifying either my wife or me. 
In closing, we would like our payment deposited back into our account because neither one of us authorized a additional payment of XXXX be released from our checking account. ThankYou!
Product: Credit reporting or other personal consumer reports

I have been a XXXX owner for the last 12 years, with multiple vehicles. When I first purchased my newest vehicle, the salesperson was supposed to enroll me in automatic payments, but he forgot to and when it came time to make a payment, it was never made and even though I made the late payment on the XXXX day, they said that they require payment be made on the XXXX day, XXXX day before all other loan companies in the united states include the XXXX day, before sending credit agencies a 30 day late payment inquiry. XXXX is the only company in the United States that doesnt allow the XXXX day of the month to be included as a non late credit inquiry. If you make a payment on the day your payment is due, is it still considered a late payment. You must make your payment 1 day before your due date to be considered on time. This is against every credit agency I have ever dealth with in my life. Also, If you make a payment on day XXXX, they dont take the payment out of your checking account, until XXXX days after your payment was made. When someone allocates money to an account for payment, taking the payment 7 days later XXXX cause an account not to have sufficient funds since other payments from the account are taken automatically, and because of this I reciveed another 30 day late for the month of XXXX. Finally, Today, XX/XX/XXXX, I tried to make XXXX Online payments, XXXX payment I made on XX/XX/XXXX, but they didnt take the payment out until XX/XX/XXXX, and there was insufficient funds on that day because my mortgage gets taken out on the XXXX, and for a second payment for the current month, but the online service is not accepting my payments, and either is their phone system, and they are closed at XXXX XXXX standard XXXX on Friday XX/XX/XXXX. There is no possible way I can make my payments on time, Since monday is the XXXX of the month, the day my payment is due, they will consider this another late payment and affect my credit score again since paying on the day of my due date is considered late! Our cost of living has doubled in the last 3 years, and our income has stayed the same, they should have a little empathy for US citizens, but this company is the epitome of a socialist dictatorial entity, not capitalism. They should be banned from the united states of America. I will never purchase another vehicle from this company again even though I love their cars.
Product: Credit card or prepaid card

Experian credit report Disputed Item : JPMCB Card Account XXXX Date opened : XX/XX/2013 Old info : ( Name was incorrect ) + Balance reported {$13000.00}!

After disputing - New info : Account charged off {$1300.00} ( Corrected spelling of my Name ) This creditor was reporting a balance of {$13000.00} since 2013! They recently updated the amount owed and this factor has been hurting my credit for the past 7 years and this has negatively effected my finances and financial ability to provide for my family. 

Due to possible inaccuracies in these credit reports, I demand that the validation I hereby request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the tradeline.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX This complaint is for the timeshare company XXXX, they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax via certified mail and was notified they had received it and signed for the letter on May 21st. The accounts are to be deleted immediately as they are in violation with the law pursuant to 15 U.S.C. 1681b ( a ) ( 2 ). I have never provided any written instructions to report anything alleged, negative and unauthorized on my consumer report that is damaging my reputation. I have asked Equifax to remove and delete any and all accounts and inquiries that they never received any written instructions for. I have provided Equifax with a letter of my written instructions to remove accounts and inquiries, providing them account and inquiry details. I also provided Equifax a copy of the law attached to the letter, proof of identity including driver license and social security card and utility bill considering address was different from driver 's license.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows an inquiry from XXXX XXXX XXXX / XXXX that I did not initiate
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted XXXX accounts ( XXXX XXXX, XXXX, and XXXX XXXX ) in charge off for investigation as there were errors in the accounts and they came back as updated rather than deleted like I requested as they had XXXX years to report correct information and now that its modified it further dilutes my credit report making it hard to find the factual information from the modified. And upon them conducting their investigation there is no way the investigation was done properly because 15 U.S. Code 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. How could they have done a proper investigation. Also they violated my right to privacy. Not only that but once an account has been charged off the payment history can not continue to report charged off. 
On XX/XX/XXXX a collection showed up on my credit report with no way of validating the debt. Its been disputed but XXXX had no authority to sell my information to a third party ( XXXX XXXX ) and my right to privacy has been violated
Product: Debt collection

Dear CFPB, I am filing this complaint through your office for assistance in regards with the inaccuracies on my credit file. I have mailed a dispute to credit bureaus but I was not able to receive a good response. 

AFNI XXXX
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written or unwritten verbal and nonverbal per 15 USC 6802. 15 USC 6805 Obligation in respect to the disclosures of personal information.
Product: Mortgage

I started a refi of my loan in the amount of {$420000.00} with owning.com on XX/XX/2020. I enjoy excellent credit and this is a very low loan to value loan, so I was subsequently approved right away. However, when I kept asking for closing documents, they started asking for more and more financial documents. I provided everything and was told I was approved verbally and via email, multiple times. Then I was told that owning.com was sold to guaranteedrate.com. I was told to wait for that sale to fully consume but all our commitments were to be honored. I was provided with new documentation with guaranteedrate.com. And, yet, to this date they will not close the loan. I can not get them to answer the phone or return the call, nor will they respond to emails. Btw, their underwriters are completely inept and have substantially discounted my annual income because they do not understand how to read tax returns. Nonetheless, I qualified. This is ridiculous and also, I was simultaneously refinancing my mother 's loan and the identical progression of steps have occurred with her loan as well. Please help.
Product: Checking or savings account

The US BANK placed an hard hold on my accounts and havent allow me to access my accounts and this caused me to lose a lot of my clients and have caused me issues recently in the past. They keep shutting my accounts down when I get a big deposit or deposit a check and this is causing me to not be able to get bills paid and expenses taken care of.
Product: Checking or savings account

I have been trying to access my account with chime.com going on 3 weeks. I have sent roughly 20 emails with my ID and proof of address to have my online account unlocked because I think that I have been scammed on my bank account. I call everyday and I get the same answer every-time. They are very rude and not professional. Can someone with in your organization help me get some information and my money from this bank.

I have also submitted about 10 disputes that have not been worked or even reconized. Thank you
Product: Debt collection

This company purchased an account from XXXX XXXX and sent me a letter for me to pay a debt. I filed a complaint against them already and they've admitted to doing it and by them sending me a letter stating that I owe a debt is a violation under the FDCPA and they violated other consumer laws in the letter. The company responded to the complaint saying that they disagree with my claim that they've violated any laws when it's clear evidence that they have. I am currently seeking legal advice on this matter because I sent an invoice to them for all of the violations and they didn't cooperate but did say they weren't going to continue to collect money but the damage to my character has been done through my consumer report. This negative account has prevented me from getting credit on my behalf and it feels like a form of oppression.