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

Chase was offering a deal where if I opened a credit card I would receive XXXX XXXX points after reaching a spending threshold. 

I reached that threshold months ago. When I call chase they acknowledge that I have XXXX avios points I am owed. On four separate occasions over the last few months, I have called both chase and XXXX XXXX to try and solve the problem. Chase has consistently told me that the problem is fixed and I will receive my points within XXXX, XXXX or XXXX business days ( they tell me something different each time ), they refuse to provide any written evidence saying that theyre fixing the problem, insisting they can only tell me by phone that its getting fixed. Each time, I wait for two weeks, then call again. Each time they claim essentially no knowledge of the issue/any attempt to fix it. I have escalated this as far as I can with chase. I believe they are purposefully withholding what amounts to thousands of dollars in points from me. I have been unable to use the points to buy flights I want to book for the summer and now, because of the delay, I can no longer get flights for my dates using XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no sufficient information to support your claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me.. 
XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I tried to request a deletion to my negative accounts on my credit report its been 7 years, they havent processed it yet, one of the account been paid off they updated the account as paid less than full balanced wish is falls information. 

1 XXXX XXXXXXXX XXXX XXXX been charged off 2 - XXXX XXXX XXXX been paid 3 - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to Equifax regarding fraudulent requests for my credit report. Ive disputed this with Equifax with my FTC Fraud Affidavit on XXXX and XX/XX/2020 and it has fail on deaf ears. I received a letter from Equifax refusal to remove the fraudulent inquiries on XX/XX/2020. 

Equifax has constantly misused its power and treat victims on ID Theft unfairly. I was part of the Equifax 's data breach and have been vastly affected by its negligence. The following fraudulent inquiries are still reporting : 1. XXXX  XXXX XX/XX/2020 2. XXXX  XXXX XXXX XX/XX/2020 & XX/XX/2020 3. XXXX XXXX XXXX XXXX ( XX/XX/2020 4.XXXX  XXXX ( XX/XX/2020 & XX/XX/2020 ) 5. XXXX XXXX  ( XX/XX/2020 ) 6. XXXX XXXX ( XX/XX/2020 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to protect my sensitive personal information and it was stolen by hackers.
Product: Credit reporting

I have listed several inquiries on my credit file that remain and should be gone. At this point i have items on my file that also are not mine and have forwarded time and time again corrected data to these agencies with no help. The following inquiries are not mine XXXX XXXX, XXXX none of these inquiries are mine. i should have XXXX inquiries at this point, XXXX XXXX account # XXXX was a result of fraud my husbands ex wife opened this account and i have told them this several times yet it still remains on my report, XXXX XXXX account # XXXX was a fraudulent account opened by my husbands ex wife as well, Though i have contacted all agencies multiple times these items remain on some reports. If we can just get these inquiries that i did not authorize off ( the excuse they give me is that they are of factual record, The factual record is I DID NOT GIVE MY PERMISSION for these inquiries and want them removed.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Commonwealth Financial Systems has placed an item on all XXXX of my credit bureaus that was proven to a previous collection agency as fraudulent. I have contacted this collection agency several times and they will not return telephone calls or mailings, but also refuse to remove the item from my credit reports. 

The item in question is from a hospital bill in XXXX XXXX that took place by a person using information from my stolen wallet. The original debt is from XXXX XXXX XXXX Hospital, and I have a statement XXXX XXXX XXXX XXXX Hospital detailing that their investigation resulted in my being free and clear from further collection attempts because they found the incident to be a case of identity theft.
Product: Debt collection

Breach Of Contract, Many Businesses who have made Fraud misrepresentations, and false statements made false assertion Fraud debt. They're Intentionally used this method as tortious act to infliction of emotional distress. They are stealing my personal information, creating accounts through their system. Present i am grossly, affected by the Data Breach. and Fraudsters, using my personal information and is being passed on deception through Identity theft and XXXX Data Breach files are being created in my names. Today received letter from Dynamic Recovery Solutions LLC. Referencing XXXX XXXX XXXX, XXXX and referencing XXXX XXXX  requesting {$1200.00}. Deliberate interference violated by the intentional torts of assault by calling repeatedly. I have never authorized this debt. My rights are being infringe upon. Over Two years ago, I am being taken to Court by XXXX XXXX XXXX, although, prevailed, in case they received a Judgement for this account in the amount of {$1900.00} on XX/XX/XXXX. Now they want more, I and being invaded by Debt collectors Data Base. I have been harassers ever since. I am being invaded by Debt collectors Someone attempting to collect a debt constantly calling phone calls on my cell phone. Constantly being taking to court by XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX  XXXX  XXXX. Two days ago, received a box of XXXX XXXX with multiple transactions from multiple accounts that most are not mine file from XXXX ( stating I am requesting information ), which I didn't. Many Cases constantly being filed in court. Every day, I am being contacted for more money they say is owed in my name. What can I do? I do not own money.
Product: Student loan

I am having continuous problems with XXXX/Navient. I am paying off XXXX loans ( XXXX which is only {$2000.00} ) since 2008. I have no problem paying my loan but it is clear that my payments are only going towards the interest and not towards the balance. I applied to a Rate Reduction Program and agreed for Navient to automatically deduct funds from my bank account if I was accepted into this program. After about two months I was told that I was not accepted to the program but they continue, even to this day, to take money out of my account every month for the same amount as the Rate Reduction Program. My mother is a co-signor on this account and is XXXX without work. They continuously call my mom harassing her and now are threatening to report me to the credit bureau if I do not pay an additional {$350.00} on top of the monthly payments that I am making. The representatives are rude, nasty and condescending. They switch me to a different department with each call and refuse to address my concerns. XXXX XXXX is the prime reason why people who attended will not have kids or purchase a new home. The government is avoiding this snowball problem which will have a vast affect on the economy in the near future.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent FactorTrust a dispute letter with all necessary verification. However, they have now requested that I resend the same information, which they have already received. This appears to be a stall tactic and is neither accurate nor fair reporting!
Product: Vehicle loan or lease

I paid off a lease and bought a XXXX XXXX from GM Financial in XX/XX/XXXX. Months later I received multiple calls about owing them {$190.00}. I asked to receive an itemized invoice of what was owed, and stated that I would pay it if appropriate. I received multiple explanations over the phone, including the first representativee I spoke with telling me it must be a mistake ( which I thought plausible with this company as it took me 4 months to get the title - I will not detail that runaround ), to I can't tell you what it is for, to it is for property tax paid on my behalf ( yet they were not able to tell me who they paid the property tax to and for what period of time ). To this date I have not received any documentation as to whom they paid or for what time period. I moved to XXXX, VA in late XXXX and paid a property tax bill from them last year and I shared those details with GM Financial. I have attached an account statement from XXXX, XXXX saying my balance with GM Financial was {$0.00}. It was after this time that I began to get calls demanding payment. I have also attached the limited invoice that I ultimately received in XXXX, XXXX, and to which I begrudgingly paid, that still had no detail as to why I owed them money. Nonetheless, GM Financial reported my delay in payment to credit agencies earlier this year, negatively affecting my credit rating.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim XXXX XXXX  The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A XXXX  FORM OF XXXX XXXX XXXX OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX XXXX XXXX XXXX XXXX PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Checking or savings account

In XXXX, I received a notification from U.S. Bank that my account had been closed. At the time, I was living in XXXX and requested that a check be sent for the remaining balance, which was over {$3000.00}. One of the letters I received mentioned that the funds would be mailed to my address in XXXX. However, I never received the check. 
Now that I am residing in the XXXX, I would like to understand what happened to the withdrawn amount and confirm whether U.S. Bank can issue a check for the remaining balance. I have called several times to resolve this matter, but after being transferred between various departments over the course of more than two hours, no one was able to locate my account information, likely due to the fact that it was closed XXXX years ago. 

I am hoping to resolve two key concerns : - Why was my account closed in XXXX?

- What happened to the remaining balance, and why has the check not been sent? 

I would appreciate any assistance you can provide in resolving this matter promptly.
Product: Mortgage

I received a notice of cancellation from XXXX XXXX for my homeowners insurance indicating my policy was going to be cancelled XX/XX/2019 for non-payment of premium in the amount of {$1100.00}. I contacted HSBC Bank on XX/XX/2019 at XXXX XXXX, they told me they could not tell if the check was cashed and that I would have to wait until XX/XX/2019. They indicated I had to talk with XXXX XXXX. I phoned XXXX XXXX on XX/XX/2019 at XXXX XXXX. XXXX XXXX asked me to get the check number from HSBC, When I contacted HSBC bank the next day at XXXX, they gave me the check number. They told me they could do nothing more for me. I contacted XXXX XXXX at XXXX, they indicated they never received a check and that I had to contact HSBC to resolve the issue. On XX/XX/2019 I received a letter from XXXX XXXX that they cancelled my homeowners insurance.
Product: Debt collection

I received debt collection from a company called " Immediate Credit Recovery ''. Noting that I owed {$420.00} from XXXX XXXXXXXX. The account # they created is XXXX. They also claimed that if I was not able to pay within a month, my credit  score will be damaged. I have not involved in any financial activity with XXXX XXXX and I am not aware of any direct bill. 

Actions I have taken : - Called XXXX XXXX. I was not able to confirm any bill for me from XXXX XXXX - Called the Company, I was not able to get connected to any agent - Emailed the company, there was a mail system failure meaning the email didn't go through. 
- Searched online, there were comments that this company may really exist
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion needs to remove XXXX XXXX as a collection. This was paid in full. please see doc. attached. Account XXXX XXXX XXXX  transuinon. I have already disputed this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXXXXXX XXXX XXXXXXXX XXXX I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX. I have read enough to understand my rights. The XXXX and Transunion Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about this complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or correct the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Payday loan, title loan, or personal loan

I am a single mom with XXXX children, and I am a XXXX XXXX. I needed money for an emergency. I borrowed {$400.00}. I made my weekly payments faithfully for {$56.00}. They confirmed they received 12 payments of {$56.00} from me. When I called to payoff the loan the payoff amount I was quote was {$440.00}. I only had the loan for approx three months and I was charged over {$1000.00}. When I asked why I was charged so much they said it doesnt matter interest accrued everyday. This is the amount we are legally allowed to charge you. Your payments went towards the interest. It was pointless arguing so I just decided to file a complaint. In addition I never got an email with an attachment on how much my interest is or payoff amount will be. I had to call to get my loan number. No loan documents were given to me at all. Just an email stating I will be getting the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont believe that you there at Transunion have no time to tackle or review my complaints and Im sure you have seen the FTC report Ive sent. I am a victim of identity theft and Transunion is neglecting my complaints by not complying with FCRA section 605B. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for this as this is impacting my life in emotionally, physically & financially ... and I would truly not what to pursue a legal remedy ... Delete these accounts immediately : XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

someone hacked into my XXXX  and created a Xoom account, I have never had/used xoom prior to the incident that happened on XX/XX/2021. someone wired money to themselves in XXXX in the amount of {$240.00}. I did not authorize the transaction XXXX. When I went to check my email someone created this Xoom account at XXXX XXXX  PST and made the transfer at XXXX XXXX  pst. By the time I went to log in and change my password this transaction had gone through I tried calling Xoom and was on hold for over an hour and still no answer I have called multiple times since then but its the same thing. I have emailed them and they denied my claim as a fraud because " The transaction ( s ) claimed as unauthorized are consistent with historical records ''. But I don't know what historical records they're referring to when I have never used this company and I didn't have an account through Xoom. I currently live in Washington and the login for Xoom was first made in Arizona. After XXXX  I saw that many others had this situation happen to them as well. I am now getting email that they're trying to collect a debt in the amount of {$240.00}
Product: Credit reporting or other personal consumer reports

Credit Bureau reported a XXXX XXXX XXXX XXXX XXXX off Account on my credit report, as it appears to be in violation of the Gramm-Leach-Bliley Act ( GLBA ) and its provisions regarding Non-Personal Information ( NPI ). 

Per the GLBA, NPI includes any information provided by an individual to obtain a financial product or service, such as name, address, income, Social Security number, or other application-related details. Financial institutions are required to provide an initial notice to customers at the establishment of the relationship and an annual notice thereafter. 

It has come to my attention that the charge-off on my credit report is inconsistent with the GLBA 's requirements, as I have not received the necessary notices and information regarding the handling of my NPI. Specifically, I have not been provided with an initial notice at the establishment of the customer relationship or an annual notice thereafter, as mandated by the GLBA Moreover, if my NPI has been shared with nonaffiliated third parties, I have not been given the requisite opt-out notice, a reasonable way to opt out, and a reasonable amount of time to exercise my right to opt out before any disclosure. This lack of compliance raises serious concerns about the handling of my financial information. 

I kindly request a thorough investigation into this matter, and I expect the immediate removal of the charge-off from my credit report if it is found to be in violation of the GLBA. Failure to do so may result in penalties outlined in the GLBA, including fines and potential legal action. 

I anticipate your prompt attention to this matter and a written response detailing the steps taken to rectify the situation and ensure compliance with the GLBA.
Product: Mortgage

We have 2 parcels of property located in XXXX county, ohio. XXXX XXXX XXXX XXXX, ohio XXXX ( XXXX ) and XXXX XXXX XXXX XXXX, Oh XXXX ( XXXX ) they are beside eachother. 
Our physical house is located on XXXX but our address is XXXX. The bank knew the builder put it on the wrong parcel and corrected our taxes back in XX/XX/XXXX. Our original lender was XXXX XXXX XXXX. We paid our taxes accordingly. 
Then the auditors office sent us a tax bill saying we were deliquent concerning our taxes, which we were not! They assessed us for over {$10000.00} in back taxes, and instead of contacting us concerning this matter, Huntington Bank ( whom aquired XXXX XXXX in XX/XX/XXXX) went ahead without contacting us via mail or by phone, and gave them the money and then jacked up our payment to XXXX per month! On a trailer! 
We have proof of our payments tax wise and we were angry at Huntington, especially after we froze our escrow acct. in XX/XX/XXXX, that they would not hear that we were current on our taxes and we didn't owe this to the county. 
Repeatedly, we have tried to contact them ( Huntington Bank ) and they've given us nothing but a run-around by switching us back and forth between different departments. We are now in a hurt locker because we own a small business and our customers are slow paying. 
Huntington had no right doing what they did due to the auditors office mistake and we want our money back and are willing to go to court over it but are financially strapped due to their negligence! 
Our loan number is XXXX. 
There was CLEARLY, COLLUSION BETWEEN THE AUDITORS OFFCE AND HUNTINGTON BANK TO AFFIX AN AMOUNT OWED WITHOUT ANY DOCUMENTATION WHAT-SO-EVER!