23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for the Chase Sapphire Preferred credit card on XX/XX/XXXX. I only applied because I saw the XXXX point signup bonus advertised on my Chase portal. I'm an existing Chase customer as of several months ago when I got their Chase Freedom Unlimited credit card. Notably, the Chase Freedom Unlimited is NOT a Sapphire product. In the screenshot attached, you can see the offer only applies to members who have not received a new card member bonus for any SAPPHIRE card in the past 48 months. Based on everything advertised, including the fine print, I should have been eligible for the bonus. 

Fast forward to today ( XX/XX/XXXX ) : I called Chase when I didn't notice any Bonus information available in the app and they told me they didn't know why I didn't get the bonus, but that the system issued me the credit card without a bonus. No representative was able to provide an explanation nor offer a solution. No warning was provided during my online application process stating I would not be receiving the advertised bonus. I called my local branch and they are escalating the issue, but this is completely unethical and unacceptable behavior from Chase which is why I'm submitting this complaint.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate items on my credit report that continues to negatively impact my credit! Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate removal, deletion and blocking of these item within the next 4 business days, according to Section 605b of Fair Credit Reporting Act. As it is incorrect and does not reflect my true credit history. I was impacted by Data breach. I requested that all account be removed and blocked. I've submitted required supporting documents to credit agency for removal and blocking of accounts on my credit profile. 
Accounts are : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letter to XXXX, XXXX, and Experian requesting, validation of XXXX XXXX   account showing past due days. Asked for contractual obligation, bearing my signature, how they came up with the past due days. I have yet to receive anything regarding verification, yet I keep getting the same responses that the account is verified. I received a letter from XXXX on yesterday XX/XX/18 from XXXX stating that they can not find my account with the information I sent them which is the account number listed on my credit report, if this is the case how is the credit bureaus verifying this account if the account holder cant locate the account? Seems like the credit bureaus are not doing what they are supposed to do and this is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to remove account " XXXX XXXX '' from my credit report, even though i had provided proof that i am a victim of identity theft,. Upon challenging this, XXXX and XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA
Product: Debt collection

I am writing to express my urgent and serious concerns regarding the handling of my mortgage by XXXX XXXX and subsequently by SN Servicing. The situation involves several alarming issues that need immediate attention and resolution to prevent unjust foreclosure on our property. 

Before my mother-in-law passed away in XXXX, there was approximately {$67000.00} left on the principal of the mortgage. She left the house to my wife, who, like her mother, is XXXX. Due to her XXXX, the property was supposed to remain tax-exempt, a status it held during her mother 's ownership. 

In XXXX, we received {$84000.00} from the XXXXXXXX XXXX XXXX XXXX XXXXXXXX ). This amount was intended to reduce the principal balance of the mortgage, thereby preventing any future foreclosure threats. Unfortunately, XXXX XXXX unscrupulously applied these funds incorrectly and subsequently sold the mortgage to SN Servicing.

Upon transferring to SN Servicing, we encountered numerous issues, including a complete lack of communication and transparency. SN Servicing has a notorious reputation for failing to cooperate with borrowers, misapplying funds, and expediting foreclosure processes. Despite our efforts to address the incorrect application of property taxestaxes that should not have been levied due to our tax-exempt statuswe were met with indifference and refusal to communicate. This lack of cooperation has allowed an incorrect tax amount to build up, exacerbating our financial strain. 

Most distressingly, when we finally managed to speak with a property XXXX from SN Servicing on XX/XX/XXXX, we were met with disdain and a complete lack of empathy. We were told that we did not deserve the house if we could not afford it, a statement that is not only unprofessional but deeply hurtful considering our circumstances. 

The mishandling of funds and the improper application of property taxes, combined with SN Servicings refusal to engage in meaningful dialogue, have put us at an unfair risk of foreclosure. We urgently request a thorough review and rectification of how the {$84000.00} XXXX funds were applied, immediate correction of the tax status to reflect our rightful tax-exempt status, and a resolution that ensures no further unjust financial burdens or foreclosure activity are placed upon us.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are have supposedly been investigated & re-investigated and they are still inaccurate and some even keep coming off and reappearing, this is ridiculous and I still havent received proof in the mail that a proper investigation or re-investigation was done by law According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below XXXX XXXX account # XXXX. XXXX XXXX XXXX account # XXXX. XXXX XXXX XXXX account # XXXX. XXXX XXXX XXXX account # XXXX. XXXX XXXX  account # XXXX XXXX XXXX XXXX accounts # XXXX and # XXXX If you cant provide proof by law as listed above, then by law you are required to IMMEDIATELY AND PROMPTLY DELETE THESE ACCOUNTS FROM MY CREDIT REPORT PERMANENTLY
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does reflect my true credit history.
Product: Debt collection

On my credit there is a midland funding. I have never done business with these people. They tell me this is a closed account. I should not be on my credit record or anyone else 's, yet it is. Reporting just 2 weeks ago. I have never done business with these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, CAPITAL ONE XXXX Date Opened : XX/XX/2018 Balance : {$5100.00}
Product: Credit reporting or other personal consumer reports

CFPB : PLEASE SEND THIS COMPLAINT TO THE US DEPARTMENT OF EDUCATION. THE COMPANY INVOLVED, XXXX, A LOAN SERVICER FOR THE DEPARTMENT, IS THE PROBLEM. THEY HAVE THUS FAR REFUSED TO RECOGNIZE THEIR ERRORS AND I SEE NO HOPE IN CORRECTION. I WOULD LIKE THE DEPT OF EDUCATION ITSELF AND ITS LOAN REVIEWERS TO MAKE A DECISION ON RESOLUTION. 

Problem : XXXX is reporting my account as 90-120 days delinquent to the credit bureaus even as I pay as required under the terms of a recent loan recasting that it had itself calculated. 

XX/XX/XXXX XXXX recasts my loan, including outstanding principal of XXXX, interest due of {$690.00}, fees due of {$47.00} at an interest rate of 4.25 % over a term of 228 months with a graduated payment schedule. The new payment, effective XX/XX/XXXX, is {$290.00}. See Attachment 1 for Loan Recasting terms and calculations. 

XX/XX/XXXX Payment made {$400.00} XX/XX/XXXX Payment made {$290.00} XX/XX/XXXX Payment made {$290.00} XX/XX/XXXX Payment made {$290.00} XX/XX/XXXX Auto debit fails/payment is not made XX/XX/XXXX Loan is 24 days delinquent XX/XX/XXXX XXXX reports loan as 90 days delinquent with delinquent interest to XXXX, Experian, and XXXX XX/XX/XXXX Payment made {$290.00} - this is the XX/XX/XXXX payment XX/XX/XXXX Payment made {$1100.00} - this is the XX/XX/XXXX payment with extra for principal reduction XX/XX/XXXX XXXX continues to report loan as 90-120 days delinquent with delinquent interest to XXXX, Experian, and XXXX XX/XX/XXXX Payment made {$290.00} XX/XX/XXXX XXXX continues to report loan as 90-120 days delinquent with delinquent interest to XXXX, Experian, and XXXX See Attachment 2 for payment history . 

Throughout XXXX - XX/XX/XXXX, I have emailed, called, contacted XXXX repeatedly. They have repeatedly refused to review and correct their erroneous and destructive credit reporting. My credit score has gone down by XXXX points because of all this, existing credit lines have been restricted if not closed altogether, and higher interest rates applied to existing credit card accounts.
Product: Credit reporting or other personal consumer reports

The following are fraudulent inquiries that needs to be removed : 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

In XXXX I fell behind on my XXXX XXXX XXXXXXXX credit card account and it went into collections. I paid the account in full in XX/XX/XXXX. Shortly thereafter the XXXX XXXX XXXX credit card entry was removed entirely from all 3 reporting agencies. Recently I received an alert that a new line of credit was reported by XXXX XXXX XXXX. It is showing as a charge off paid in full ; however, instead of showing the original delinquency date in XXXX ; it is making it appear as if it was charged off in XXXX. I asked Experian to correct and they made it worse. My score dropped XXXX points as Experian is showing it as a XXXX and current charge off now as of XX/XX/XXXX. 
Experian Report Snapshot : Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXXXXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. {$5700.00} written off. ( INCORRECT ) Status updated XX/XX/XXXX XXXX balance {$12000.00} Monthly payment - Last payment date I paid in full so the {$5700.00} write off is incorrect. In addition the charge off was in XXXX NOT XX/XX/XXXX Experian and XXXX XXXX XXXXXXXX continue to try to re-age the debt when its been almost 7 years.
Product: Credit card or prepaid card

On XX/XX/2021 my wife visited XXXX XXXX to have an MRI done. Sine we have a high deductible insurance plan, she was forced to pay for the service up front, in the amount of {$370.00}. The next day I contacted the insurance company, XXXX XXXX and was told that we should have only been charged {$220.00}, not {$370.00}. I then contacted XXXX XXXX at XXXX on XX/XX/2021 and spoke to a person named XXXX. He pulled up the information and verified that we were overcharged by {$150.00}. I asked when they would refund the overcharge and he could not give me an answer. I then logged in to my credit card at Citi Cards to dispute the transaction. I explained what happened and submitted a copy of the explanation of benefits statement which clearly reflects member responsibility of {$220.00}. Within 2 days I received an e-mail notification from Citi that the dispute has been resolved in favor of the merchant. It seems like they did not even look at the document that I submitted. On XX/XX/2021, I sent a formal dispute letter to Citi advising that I am disputing the overcharge amount of {$150.00}. I have not received any acknowledgement from Citi. It seems that they are ignoring their responsibility to investigate and assist me with the disputed amount
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX lured me to leave XXXX to XXXX   for a job. A little over a month into the job I got understand the job was not what they had advertised. The job I applied to and was willing to do was that of a XXXX XXXX, but XXXX had me taking phone calls all day long in a XXXX XXXX from irate customers. My education and training as a XXXX XXXX personnel was not being put to use. So I decided to look for other opportunities that best suited my skills and would add value to my career. 

After quitting In XXXX of XX/XX/XXXX, XXXX XXXX decided to come after me to repay the relocation package I was offered. 

On XX/XX/XXXX, my Attorney sent a letter to XXXX XXXX in an attempt to resolve the debt XXXX is asking to collect in the amount of {$3500.00}. 

XXXX never responded even after a second attempt was made to get them to resolve the matter. The letter from my Attorney to XXXX XXXX is attached. 

Now the record is on my credit report with damaging effects.
Product: Checking or savings account

In early XXXX, I got on the phone with USAA and someone helped me walk through opening a " High Performance '' Savings as well as Checking account as I had planned to move banks. I was unable to login due to an " identification '' issue. 

The next couple of days I tried ( with help of USAA support ) to scan my Drivers License with their identity tools, using their guidance. All failed from XXXX, in many different lighting and environment scenarios. So I sent them a scanned physical copy of my ID ( using their guidelines ). It was received on the XXXX. I called in every other day to check on the process, because I couldn't interact with the XXXX accounts until I was verfied who I am. On or around XX/XX/XXXX, XXXX weeks after this all started, I finally was identified. 

During the end of this ID process, I initiated a complaint because of how difficult the technology and process was to prove who I am- it shouldn't take 2 weeks. Someone from the feedback team called me on XX/XX/XXXX, and I gave them feedback on their identity process. I XXXX have been critical towards the technology and process, but I was not demeaning towards the actual person ( " XXXX '' ). I didn't yell or anything, I do recall criticizing how it was 2023 and I'm sending in physical scans of my drivers license through FedEx to prove who I am. 

Last week, XX/XX/XXXX I completed transfer of {$10000.00} into the XXXX XXXX savings account. As well as {$5000.00} into the Checking. Both from the source bank I was moving from. I also transferred {$1300.00} from my XXXX account into the Checking. 

On the morning of XX/XX/XXXX, I was locked out of the mobile app and I called in and the support team stated a note in the system " USAA is exercising their right to terminate banking with you. '' Or close to that statement. 

I was able to get transferred twice through the system, and into the Office of the CEO, where that note came from and the person on the phone told me that " XXXX '', the person who took my feedback call on the ID process, was the one who entered the note. I can't assume anything, but it appears " XXXX '' did not appreciate my feedback on the process and technology and initiated the closing of the accounts, in a form of social XXXX XXXX? 

I begged and cried to get access to my money as I am in the middle of moving states, I was laid off in XXXX and my next direct deposit of Severance was already locked in to USAA Checking for XX/XX/XXXX - I didn't have a chance to update my new address and it will take 60 days for the {$16000.00} check to " bounce around '' XXXX to get to me. I just deposited HALF my rainy day fund into USAA, and now its locked from me for 60 days. 

I apologized PROFUSELY to the person on the call ( I never spoke with " XXXX '' directly ) and to both the XXXX XXXX XXXX separate email to them. I was told I would received a call back on Friday and did not hear from them. I did not get a response to the email either.
Product: Payday loan, title loan, personal loan, or advance loan

I have a personal credit line account ending with the US bank. The automatic payment of {$94.00} was scheduled on XXXX of every month from XXXX XXXX XXXX  checking account ending with XXXX. But in XX/XX/2024, the US bank requested to post the payment on XXXX XXXX XXXX, not a XXXX XXXX I think the US bank made the mistake about my identity on purpose. So I requested to cancel the later automatic online payment. I have gone to the local US bank branch and paid off the monthly dues. I hope the delinquency information about this account can be removed from my credit report, and the later monthly payment can be paid from the local US bank branch.
Product: Debt collection

To Whom It May Concern : I am writing to dispute certain personal information appearing on my credit report maintained by your bureau. 
Upon reviewing my credit report, I noticed discrepancies in the personal information section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. 
Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$290.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : Balance {$630.00} Date Opened : XX/XX/XXXX Account Name : XXXX, XXXX Account Number : XXXX Balance : {$8800.00} Date Opened : XX/XX/XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Closed. {$10000.00} written off. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Balance : {$0.00} Paid, Closed. 
Date Opened : XX/XX/XXXX I'm aware section 609 requires you to have a contract bearing my signature verifying that the debt truly belongs to me. Please show me this documentation otherwise delete this unverifiable account from my credit. 
After you have finished my request, send me a copy of my credit report reflecting these changes.
Product: Credit card or prepaid card

I paid my card off in full by my due date but I was charged an interest fee for a cash advance and for purchases. I made no purchases with my credit card over the past billing period. I did not use my card at all, besides to pay it off. I contacted my card issuer and they said that I was being charged twice for a cash advance that occurred in XXXX. Therefore they charged me interest twice on one single transaction from 2 months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/2020 but XXXX Equifax and XXXX are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from Equifax data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. I do understand COVID has impacted the world but it seems as though I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, myXX/XX/XXXXand Zelle failed to investigate my claims adequately. They informed me that recovering lost funds impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX