23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

When I applied for the XXXX XXXX XXXX XXXX and was approved XXXX XXXX, XXXX, I was under the impression I was receiving rewards points. I am XXXX and rely on Customer Service representatives to relay to me accurate information. 
I have called in to inquire about the percentage based on XXXX XXXX and non-XXXX purchases that I would receive in rewards points. I have called to inquire about my rewards points balance. I have called to inquire when this program began if it did n't exist in XXXX like they now claim. I signed up for the program XXXX XXXX, XXXX, and XXXX, a supervisor out of XXXX XXXX, was quick to tell me that they would not give me any retroactive rewards points nor did she offer to compensate me in any way and that signing up for it required no more than saying " I would like to receive them. '' I filed a complaint with the New York XXXX for this being misleading. This went no where. I first received a phone call from the executive office at Chase stating that I would have had to APPLY for the rewards points program when I applied for the credit card. They later sent the enclosed letter which was also sent to the New York State XXXX and forwarded to me. 
On XXXX XXXX, XXXX, I called and spoke to a supervisor XXXX who informed me that if I had just called in to inquire about my account they would not have told me about a new promotion, i.e. the rewards points. She stated that if I had called in asking questions about the rewards points, then I should have been made aware and offered the chance to sign up for the program. When I called and specifically asked about them, as my records partially show, they should have informed me about it and I should have been given the opportunity to sign up. In addition she could n't find the date the program began. She gave me XXXX points which is equivalent to {$50.00}. 
Why could n't they see if more could have been done? Why was n't anything done sooner? Why do they not know when the program began? If it existed since I had the card, why ca n't I be reimbursed since then?
Product: Checking or savings account

will start with the fact that Im a XXXX veteran with a service connected XXXX along with a Social Security income XXXX. I receive a direct deposit to this AXOS Bank three days before the first of the month every month. XXXX benefits comes to {$1700.00} and Social Security direct deposit comes about the same day usually but later in the day which is always $ XXXX had a settlement of almost {$25000.00} cause I got hit by a bicycle. It went into the bank. I put it in savings. Well, just recently I took {$2100.00} from my savings to my checking account on XX/XX/year> to use the money to rent a XXXX foot XXXX  to go from XXXX  to XXXX XXXX which I leave tomorrow. I used a debit card on the XXXX and spoke to the woman over the phone which XXXX can confirm plus they sent me a transaction receipt. The money was taken from my debit card instantly and from the account. This XXXX was paid for before either of those showed up on my bank account. Besides, I had removed the money from my savings to use it for this and I have screenshots to prove that. They have refused to give me the disability benefits completely trying to say that that money was used for the XXXX I have screenshots of everything. That money just vanished and Im absolutely positive after doing a little basic accounting. If you look at my bank statement for this month, which I downloaded, it doesnt add up. The second problem is almost every night they do this thing called Night Processing which most of the time if its happening and you try to use your card or the money that belongs to you, they wont let you and you have to call and complain. I was in the freezing cold one day for five hours trying to get a hotel room and I couldnt because they did that. This bank needs a really deep investigation because this makes no sense to me whatsoever how they can do this.
Product: Student loan

NelNet has started charging me for my loan at the full repayment amount while I am in IBR. They contacted me and attempted to force me to cancel IBR and go into forbearance. They said there are no other options. They placed a strike on my credit report putting extra stress on my already stressful ( I am in IBR! ) financial situation. I have called repeatedly and they refuse to remove the strike, refuse to accept my IBR status and refuse to help me in any way whatsoever.
Product: Money transfer, virtual currency, or money service

I used a debit card to load money to the account ( an acceptable way they have of loading money ). I put my money into stock positions. After a week, I closed the position and cashed to my verified checking account. After doing this, I was locked. I was asked to upload documentation. Halfway through uploading documentation, it said I needed to call someone to lift the restriction. No call back. No way to contact. No way to finish uploading information. Money is locked.
Product: Credit reporting or other personal consumer reports

For the past two months, I have reached out to your company in regards with these accounts reporting on my credit and couldn't help but feel saddened as I fear that I am being ignored. These accounts have negatively impacted me and my credit scores- causing me so much damage that I can barely have the guts to apply for a new loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my credit report s (   XXXX ,  XXXX , and  XXXX   ). The credit  report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all  XXXX  credit bureau agencies because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B . Insurance C. Employment D. Court Order P lease remove these inquiries from my credit reports immediately.
Product: Checking or savings account

On XX/XX/XXXX, I deposited a check to my Chase Checking account which was drawn from my XXXX XXXX Checking account. The check cleared XXXX XXXX, and had sufficient funds to pay Chase. Chase placed a hold on the check, through XXXX. Chase had already collected the funds and XXXX XXXX paid the funds via my XXXX XXXX checking account. 

In light of the unnecessary " hold, '' which Chase chose ( arbitrarily to do ), I incurred Overdraft fees. To date, I have incurred two ( 2 ) fees, in the amount of {$34.00} each for a total of {$68.00}. I am asking for assistance in this matter to recover the fees due to the unlawful act of holding the check. I have been with Chase for five years, and XXXX XXXX since XXXX. I am at a loss as to why all of a sudden Chase is now singling me out. Chase has never placed holds on any deposits I have made. This is not the Chase I used to enjoy doing business with, and I must add, that when I had over {$100000.00} in my savings account these types of " situations '' were not happening. Odd, yes. Biased, yes. 
I wish to thank you in advance for your efforts to help me recover my hard earned dollars who have fallen into the hands of yet another greedy billionaire CEO 's hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap. XXXX XXXX   XXXX, XXXX XXXX, XXXX   XXXX, UNKNOWN XXXX, UNKNOWN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting 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, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States | 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 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 reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I sent a certified debt validation letter to XXXX XXXX XXXX that was delivered on XXXX/XXXX/XXXX. This letter advised that I recently pulled my credit and noticed a collection from their company. By law, they 're required to validate the debt, not verify. I received a mailing from them dated XXXX/XXXX/XXXX and it was a front/back page copy of a bill from XXXX. This type of information is n't sufficient for debt validation. Especially in the event of identity theft. 

I then sent a certified method of validation to Equifax and the letter requested that they send me proof of all records in their files for the above referenced account establishing the method used to validate debt. I am required this information by law. 

Equifax did not send me such validation of debt. Instead, they sent me an updated credit report, advising the debt has been " verified '', not validated. 

I 've sent the same " method of validation '' letter to both XXXX and XXXX and they 've both, since, deleted the above referenced account from my report. 

I 've attached copies of the letter sent to the collection agency/Equifax, a copy of the documents received by the collection agency and records from XXXX/XXXX showing this same file was deleted by them. 

Thank you
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 : # Account Name : XXXX XXXXXXXX ACCT # XXXX Account Name : XXXX - XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX  ACCT # XXXX Account Name : XXXX XXXX XXXX  ACCT # XXXX AccountName : XXXX XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX XXXX  ACCT # XXXX Account Name : XXXX XXXXXXXX XXXX ACCT # XXXX Account Name : XXXX XXXX  ACCT # XXXX Account Name : XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX  ACCT # XXXX, has violated my rights. 

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: Debt collection

The Creditor Listed Below AR RESOURCES INC Original creditor : XXXX XXXX Account # XXXX {$670.00} I have asked this AR Resources to validate this debt and they have failed to do so. I have never seen or heard of this account and then it just shows up on my credit report. I have already disputed it with XXXX  and they deleted it from my report. I have disputed with XXXX  to remove the account and they have not nor Has the creditor. This is a violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked companies to investigate account to make sure it was 100 % accurate and correct according to FCRA, account is still reporting inaccuracies causing harm to my credit. 

XXXX, In XXXX, XXXX Experian reported ok ( paid ), but on XXXX, XXXX XXXX reported 30 days late. Which bureau is 100 % accurate? 

XXXX. In XXXX, XXXX Experian reported 30 days late, but in XXXX, XXXX XXXX reported ok ( paid ). Which bureau XXXX % accurate?
Product: Checking or savings account

citi bank is redlining me. Period. 

This is the third time going to the site and doing this and that and will not open! 

upload my driver license they say they can not identify me ( they know me ) I tried to open there 21 month credit card offer and they will get back to me same thing they said the last time! They I thought maybe I can open checking and savings and again go spend time to fill it all out and that is when they said we can not identify me? There AI is not that XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several dispute letters to Equifax all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. I keep getting a response from them saying they are unable to locate my credit file and need additional information even though I already provided it multiple times via certified mail. The company has been in violation of the FCRA for over 150 days now and I would like some action taken to get this resolved. My patience is wearing thin and I am about to file a lawsuit if this does not immediately get resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved. Please take a look at the information I am sending. This is the last time I am sending this information to you. If Equifax continues to fail to look into this matter then I will hire an attorney and use the law to the maximum extent. Please resolve this as soon as possible!
Product: Student loan

In XX/XX/2018, I received a call from Navient asking me to make a payment of {$2500.00} and then I can pay {$200.00} a month with zero interest. Instead, Navient, took my {$2500.00} and {$200.00} each month. They used all the money for interest and very very little for principle. They constantly annoy you with calls and they lie to people just to get the payments. Please I need your help. I paid them {$2500.00} and four months of {$200.00} which is another {$800.00}. I really need your help.
Product: Credit reporting or other personal consumer reports

I have several times reached out to contact experian on this issue by phone & email. I have been working very hard to get my credit score back through XXXX XXXX  & have recieved my credit score. XXXX has me at XXXX & XXXX  has me at XXXX but for some reason experian days I have no credit score. And this has stopped me from being able to make purchases to help with my credit score along with my wife & I are looking at places that are for sale when we are ready to try to get a loan to buy a place. I really appreciate it if this could be fixed. I have also in my emails to them have attached screenshot of my XXXX XXXX XXXX credit scores & have heard nothing back or see a change in credit score on there end. Thank you for your time & hope you can help
Product: Credit reporting or other personal consumer reports

Between XX/XX/year> and XXXX XXXX an inquiry made by Wells Fargo card service was added to my credit report and I did not receive any payment from Wells fargo
Product: Credit reporting or other personal consumer reports

USCB CORPORATION wrongfully put a debt on my credit report that is not mine and due to identity theft. This account number is not mine. Ive filed ID theft report with FTC and will pursue legal action for slandering my Reports. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Account : USBC CORPORATION Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXXXXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX ;
Product: Mortgage

My name is XXXX XXXX, daughter and Power of Attorney for XXXX XXXX. My dad received Notice of Forcloseure, he had separated from wife whom I assume was dealing with all his finances and who is illiterate. I live in a different state than my dad and traveled to his place of residence to put in place the legal documents in order to act on his behalf. I reached out to CitiFinancial to modify loan. I received Forebearance Agreement. Down payment of {$1400.00} had to be made by XXXX/XXXX/15. All siblings agreed to pitch in to make the down payment. All siblings did not pay the amount needed. I reached out to our tribe for assistance who agreed to help and pay the downpayment required. The downpayment was wired XXXX/XXXX/15 and returned. Wire sent again and returned. XXXX XXXX wire was not going thru, they gave different wiring instructions as initial account had been closed. Wire was sent out a total of 5 times. All wires being returned. CitiFinancial is stating that they did not receive the wire on date specified and wondered why I sent wire after instructed to do so by them stating that it takes XXXX hrs for a wire to post and monies needed to be posted to account by date specified. I have provided CitiFinancial with all the wire documents showing diligent good faith efforts to send them the downpayment as required. CitiFinancial stated the only wire they did receive was the one sent on XXXX/XXXX/15 which they have stated has been returned. CitiFinancial has stated that the foreclosure proceeding will take place unless the outstanding balance of approx. {$9000.00} is paid to reinstate the account. I complied with every requirement given by CitiFinancial and they are refusing to accept the downpayment even when provided proof that wire was sent but returned. CitiFinancial is stating that it is not their error that wire was returned, even though they provided wiring instructions for closed account. CitiFinancial is stating that bank made error when sending wires and therefore they will proceed with foreclosure proceedings. It does seem as though the bank did make an error in sending the wire although attempts were made and it is not my dad 's fault those errors were made nor his fault that Citi provided wrong wiring instructions. My dad is XXXX years old and I feel as though CitiFinancial not only breeched the agreement we had in place but also refused to modify loan accordingly to his limited social security income. His loan rate is over 8 % and based on a 10 year old appraisal, there is approx. {$30000.00} of equity in his home that I believe CitiFinancial is trying to cash in on. I certainly think that if they were n't, the forbearance downpayment would have been accepted and loan placed back in good standing. CitiFinancial 's actions in my opinion have not only be morally unethical but illegal by acting in a fraudulent manner by providing wrong information and then after being provided all evidence that wire was sent several times they stated forbearance was declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was previously reporting as XXXX XXXX XXXX. After disputing it, it was deleted from my credit report and reinserted as XXXX XXXX XXXX. According to 15 U.S. Code 1681i, " If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. '' In addition to that, this collection account is reporting as an OPEN account status on my profile which is ruining my credit. This is inaccurately and misleading information reporting and must be deleted from my profile
Product: Mortgage

my mortgage was transferred from XXXX XXXX XXXX to Freedom Mortgage and after the mortgage was transferred XXXXXXXX XXXX XXXX  charged me {$120.00}, After I filed a CFPB complaint XXXX, XXXX XXXX XXXX admired it is their error ( attached they said that Freedom Mortgage needs to refund me since I was forced to pay the {$120.00} extra on the first-month payment on after several conversations with the freedom mortgage agreed to apply the {$120.00} to the principal but they reversed it on XXXX without my knowledge and reversed the interest with XXXX and reduced my principal {$120.00} and {$0.00} each month since XXXX. I had several conversations with Freedom Mortgage representatives, they are very rude and discriminative. and refused to let me speak to their manager
Product: Credit card or prepaid card

Filed complaint against capital one on XXXX.the complaint id number is XXXX.requested a  copy of the authentic signature of original contract and it was not provided.instead they opened a fraud investigation and I did not ask for a fraud investigation.applicable federal and state laws states that if requested documents not available that account has to be deleted off the credit reporting agencies.this is not a duplicate complaint as this company stated, this is a entirely different complaint.
Product: Mortgage

On XX/XX/23 I was adverse possessed /disibility abused by with a 24 hour eviction by Wells Fargo an XXXX XXXX. The house was foreclosed on XX/XX/23. So, I was forbade to enter the property and XXXX XXXX had no Color of Title. I don't know him well he is a mechanic in the Community and he did not frequent or socialize with me. Wells Fargo allowed XXXX XXXX access to my property before the foreclosure on XX/XX/23. Please help me I am a XXXX single parent who has been adverse possessed/disibility abused and has had reputation tarnished and been deprived other housing opportunities because of this.