23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Chase Bank offered my {$200.00} if I opened a new savings account with certain requirements that were listed on their XXXX page email. ( see attachment of XX/XX/XXXX Chase email ). I opened the new account on XX/XX/XXXX and met their stated conditions for the 90 days required. After the 90 days passed, I began inquiring about the {$200.00} bonus. 
Chase engaged in a variety of tactics to not pay the promised {$200.00}, including asking me for the coupon code that Chase had promised to provide if I applied for the account online. I believe that Chase had no actual need for such a code that they themselves had provided but was just engaging in hurdles to avoid the payment that they had promised. 
Eventually, I found the coupon code and provided it along with the {$200.00} offer that they had sent me on XXXX. Chase continue to engage in delay tactics including repeated requests for the " coupon code. '' Finally, after repeated requests, on XX/XX/XXXX, Chase wrote that my savings account wasn't eligible because it was a business account. There is no requirement stated that the savings account be a personal account on Chase 's offer. I attach Chase 's XX/XX/XXXX email for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I pulled a copy of my XXXX credit report. Accordingly, there are two Capital One Revolving credit accounts listed. However, under each tradeline, Capital One reported my accounts as " 30-day ( s ) late '' from XX/XX/XXXX until XX/XX/XXXX. However, I 've been in an active Chapter XXXX bankruptcy since XX/XX/XXXX. Accordingly, I can not have been late on the Capital One unsecured debt ( s ) since they were included in Chapter XXXX automatic stay from XX/XX/XXXX until XX/XX/XXXX. Also, Capital One is violating the FCRA Direct Dispute provisions and violating the Dodd-Frank Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I am writing in response to your recent communication dated XX/XX/year> concerning the debt referenced above. I acknowledge that you have attempted to verify this debt. However, I still require further clarification and specific validation for the following reasons : XXXX. Detailed Accounting : I request a complete breakdown of how the amount you claim I owe was calculated. This includes the original principal amount, interest rates, fees, and any payments or credits applied to the account. XXXX. Proof of Ownership : Please provide proof that you or your client owns the debt. This should include a copy of the original contract or agreement that bears my signature, demonstrating that I am indeed responsible for this debt. XXXX. Chain of Title : If the debt has been sold or transferred, I request documentation showing the chain of title, from the original creditor to your current ownership of the debt. XXXX. XXXX of Limitations : Please provide the date of the last payment made on this account to confirm that the debt is within the statute of limitations in my state. I remind you that under the Fair Debt Collection Practices Act ( FDCPA ), you are obligated to provide proper validation of the debt. Until you do so, I will consider this matter unresolved, and I request that you cease all collection activities, including reporting to credit bureaus, until this validation is completed. Please respond to my request within XXXX days from the date of this letter. Failure to do so will result in me considering this debt invalid, and I will proceed accordingly. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX  XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX _________________________________________ TO : Equifax Information Services LLC XXXX. Box XXXX XXXX, Georgia XXXX CC : Consumer Finance Protection Bureau Consumerfinace.gov XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Mexico XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NM XXXX, Phone : ( XXXX ) XXXX XXXX : Acknowledgement of Equifax XXXX to Complaint : XXXX DATE : XX/XX/2019 To Whom it may Concern ( Once Again ) I had asked your company on over 10 occasions, as well as, in my original complaint and the certified letter I sent your company to please permanently lift my credit freeze. Once again THIS WAS NOT DONE? 

BOTTOM LINE : HOW CAN I UNFREEZE MY CREDIT FILE WHEN EQUIFAX SAYS I DO NOT EVEN HAVE A FILE? 

As my original certified letter indicates, your computer systems and customer service representatives have not been helpful to lift my credit freeze. Even writing you a certified letter and making a complaint with this government agency did not help. Remember, you are the folks that allowed my information to be stolen. You are once again becoming a hinderance to my purchasing a XXXX for my family. 

In your Corporate response you maintain I have no credit file and that you are unable to locate a credit file for one of the following reasons : a. may not have a current file, b. may not have applied for credit recently, or c. you have not actively used credit in the past ten years, or words to that effect ( see attached Equifax letter, XXXX, XX/XX/2019 In contrast, my Loan Officer ( see below email cut and paste ) states the following : XXXX XXXX XXXX XXXX AM ( 2 hours ago ) Yes, I know but Im just not sure what to do. All I know is that I can not process your information through XXXX XXXX or XXXX XXXX automated underwriting system until the credit report no longer reflects your Equifax score is frozen. 

XXXX XXXX : XXXX ID # XXXX. XXXX ext XXXX. XXXX. 
XXXX. ( XXXX fax ) __________________________________________________________ _____________________________________________ XXXX XXXX XXXX XXXX SWORN TO AND SUBSCRIBED BEFORE ME, THIS DATE, IN XXXX XXXX NEW MEXICO. 

XXXX XXXX XXXX Expires : XXXX XXXX
Product: Credit card or prepaid card

Because of a return of merchandise purchased on my Home Depot consumer credit card, which is administered by Citibank, the account ended up having a negative balance ( credit ) in the amount exceeding {$1000.00}. 

I called Home Depot card customer service around XX/XX/2018 and requested that the balance be transferred to my checking account ( same account Home Depot card has on file that I use to pay my monthly balance ). I was told the credit will take a few business days. 

No funds have been transferred, and I called again today, XX/XX/2018, to inquire. I was then told that because the amount is over {$1000.00}, it might take up to 17 days for the transfer. 

Why is Home Depot card holding on to my cash for so long? 

When it comes to paying my monthly balance, regardless of the amount, my payment usually credits to my account within a couple days. When it comes to the reversed transaction, the company is dragging their feet to maximize the time they are in possession of my cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed all 14 derogatory marks on my credit report to XXXX  XXXX and the said they would be removing these items but have not done so. XXXX should no longer be reporting these items on my report because they were paid and now closed. Why does XXXX think they can continue to report something that I the consumer disagrees with? XXXX is in violation of FCRA all of these accounts have not been active for over 10 to 12 years they need to be remove and they on keeping them on there to keep my credit score low. This system is not designed to help people but fail them. I am very disappointed in what has transpired with our XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Prepaid card

I have a rush card and they were supposed to be going through a system update just for the day of XXXX/XXXX/2015. I get paid tomorrow XXXX/XXXX/2015 and I have read many reviews that no one had received their direct deposit, and the website and app is down. All rush card phone number does when you call it is ring. This is a big inconvenience because I have XXXX babies and bills to pay. I live check to check and work haRd for my money.
Product: Student loan

I reached out to Nelnet the beginning of XX/XX/2023 for proof of agreement to pay the loans for student loans but they have yet provided me with this information. I also applied for a borrower defense application that still shows on my student aid.gov account as pending but this was done years ago and still no response on the matter. The school I attended XXXX XXXX university has been sued twice and I also attended XXXX university as well which randomly switched over to XXXX University which I feel is not fair as well to say I owe money to a school with a completely different name, leadership team, etc.
Product: Debt collection

I went to XXXX XXXX for an exam. I was told on the phone prior to coming in and while I was at the office in the exam chair that the exam fee would be waived if I were to have the XXXX XXXX done on the same day. So I agreed to have the procedure done while I was there because I could afford to have it done without the fee. But after I had the XXXX XXXX done I received a bill in the mail from XXXX XXXX that was for the exam fee. Apparently they had billed my insurance for the fee without my permission or knowledge and it was rejected so they tried to bill me. I immediately disputed this with the office but they called me a liar and refused to drop the bill and in fact contacted my other insurance company and tried to get them to cover it. I also filed for chapter XXXX bankruptcy and since they would not agree to honor their original deal for no exam fee I was left with no choice but to include this debt in my bankruptcy which was XXXX. please see attached files. XXXX XXXX continues to try to collect this debt and has now sent it to a collection company after they were informed it was discharged.The collection company is now threatening to report this to my credit if they have n't already done so. During the bankruptcy, this debt was never disputed by XXXX and they did not show at the meeting of creditors. I find it rather unnerving for a doctors office to be doing " extra billing '' behind patients backs. I trusted Advanced office staff to be truthful with me, I know what I was told and they went and did the opposite of what they said they would do.It is their mistake so they need to own up to it and not attack me and my records.
Product: Credit reporting or other personal consumer reports

My data was exposed and I had 78 hard inquiries removed off my credit report and my credit still showing the same after they was removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a child support account reporting on my XXXX and Experian reports for over a year and the credit bureaus keep reporting inaccurate information on my reports like payment history, amounts owed that has gotten me denied for credit applications numerous times.
Product: Credit reporting or other personal consumer reports

I have identified an account transaction being reported on my credit report without my consent or authority. I never gave any written consent to the furnisher or the reporting company to utilize or share my nonpublic personal information. 

Using or attempting to use identifying information of another person without consent or authority is considered identity theft under Federal Law. The creditor who furnished this information also failed to provide me with disclosures to opt out before disclosing any of my personal financial information to third parties. 

The company 's unauthorized actions have adversely affected my credibility.
Product: Debt collection

They called me when I asked for them to stop and would start threatening me sometimes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with TransUnion, XXXX, and XXXX credit bureau. They failed to investigate my dispute. They did not tell me how they verified this information listed on my credit file. I sent a letter to the bankruptcy court regarding this public record and bankruptcy sent me a letter stating that they dont share personal information regarding bankruptcies with 3rd party organizations or credit bureaus. TransUnion has told me they verified this public record but they did not tell me how they did this. I asked for a validation and they did could not provide me with any information. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that credit bureau disclose to me all of the documents that they have recorded and retained in my file at the time of this request concerning the accounts that credit bureaus is reporting in my credit report. I asked them to send me copies of the documents that they have on files that were used to verify them. Then I requested that if they do not have any documentation in their files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$8900.00} XXXX  XXXX Balance Owed : {$8300.00} US DEPT ED XXXX Balance Owed : {$7200.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$2300.00} US DEPT ED XXXX Balance Owed : {$29000.00} US DEPT ED XXXX Balance Owed : {$7600.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$22000.00} US DEPT ED XXXX Balance Owed : {$28000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX
Product: Student loan

They have not helped in any matter. Agreed to add me on to several deference and forbearance without letting me know how much I would have to pay later and how much interest would be accrued. They are not helpful in guiding us to the right repayment plan and truly laying out how much I would be repaying. In fact, when I did some digging, I checked the site and for an income-based driven program, I would pay {$0.00} for the first 12 months, {$210.00} for the next 12 months and {$2500.00} for the next 10 years. Not for nothing, but that makes no sense. There is probably a reason why the individuals can not share ALL the information and hide this information because then no one would ever be able to pay it back. {$2500.00}??? really? 

I have gotten rude individuals. I have not gotten any step by step guidance just a referral to the website, which is not very user-friendly. 

I have a family to support including XXXX small kids and realistically speaking even if I dont have to pay initially, the plan the website paid out for me is unrealistic to pay. 

In addition, because of interest rates, according to the website, out of the $ XXXX of the original loan, by the time I pay it off, I would have paid {$490000.00}. Almost {$320000.00} more than the original loan, which goes to these criminals. I refuse to pay and they need to educate us more and give us better ways to pay down the loan and more options to pay the loans.
Product: Debt collection

I am writing to you regarding your debt collection practices towards me. I have become aware that you are an unlicensed debt collector in the state of Maryland, and this is a violation of the law. As a consumer, I have the right to be protected from unlicensed and illegal debt collection practices. 

Furthermore, I have previously sent you a cease and desist letter, and yet you have continued to contact me. This is a violation of federal law, as well as the laws of the state of Maryland. I demand that you cease all communication with me immediately, as I have the right to request that you do so. 

Your attempts to collect a debt from me have also been harassing and threatening in nature. The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from engaging in such behavior. Your repeated phone calls and letters, threatening to take me to court, are causing me XXXX XXXX and XXXX 

I demand that you stop all forms of harassment towards me and that you cease all communication with me immediately. Failure to do so will result in legal action against your company. 

In conclusion, I would like to inform you that your debt collection practices are illegal and unacceptable. I demand that you immediately cease all communication with me and stop any further attempts to collect a debt from me. I will not hesitate to take legal action if necessary.
Product: Credit card

I received a call from Wells Fargo fraud detection that some one from XXXX Texas applied for a credit card using my Social Security number. They shut down the application after speaking to me because of the incorrect address.
Product: Debt collection

I have disputed this several times as identity theft and even asked for a breakdown of the charges which none of the companies will provide. The debt is for {$1000.00} from Account Resolution Services. Not to mention this is a direct HIPAA violation on reporting medical information. I have contacted all 3 credit bereaus.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, there was a total of 4 unauthorized transactions made with my cash app card. When i noticed the transactions from the app I immediately contacted cash app 's customer service and notified them that my wallet and cell phone had been stolen and all transactions pending were unauthorized. The cash app specialist explained to me that nothing could be done until transactions were finished pending and posted. XX/XX/year>, I made another call to cash app and made a total of 4 disputes, closed my debit card, and ordered a new card having it shipped to my billing address. Even though I previously called and notified costumer service of the unauthorized transactions prior to them posting I was still denied. XX/XX/year>, at XXXX XXXX  4 transactions for XXXX at XXXX XXXX in XXXX California which the last transaction failed. Later the same day at XXXX XXXX  two transactions for the amount of XXXX were made at XXXX in XXXX California which only XXXX succeeded. A total of XXXX was took from my account. I attempted to dispute those transaction four times and was always denied. Approximately one year later I demanded cash app to show me proof of a proper investigation which was never honored.
Product: Mortgage

Owner of this unit has neglected exterior maintenance since taking ownership in XXXX 2016. On XXXX/XXXX/16 the water authority had to turn off the water due vandalism causing water to flood into the neighboring unit and cause further damage to the exterior of this unit. After two weeks of attempts to get this situation rectified due to neighbors expressing concerns with potential mold spreading throughout the entire row of homes I have received no return calls nor have the owners cleaned up the exterior or interior of the unit.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now! 

Listed below are the Personal Information that are being challenged : Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, CA XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, NC XXXX Employer - NC XXXX Employer - XXXX Incorrect Current Address : - XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX certified letters to XXXX regarding collections below. I have asked to validate that the information that is being reported is mines, with signed contract or full account numbers etc. I have been getting letters stating that the collections have been validated but havent advised how they were validated, no new information has been sent to me and its been over 40 days. According to FCRA these claims needs to be removed.. 

Items in question : XXXX XXXX A {$5600.00} XXXX XXXX  {$2900.00} XXXX XXXX  {$1200.00} XXXX XXXX {$1100.00}