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

On XX/XX/2019 I received an email from XXXX XXXX XXXX advertising their credit card with the offer of XXXX points and a XXXX Companion Pass after spending {$4000.00} in 3 months. When I purchased a flight on XX/XX/19 I selected the offer either from the email or display advertising on XXXX. 

I believe the ad switched me to a {$200.00} off flight credit by confusing me believing I was receiving the XXXX point and Companion Pass as part of the deal as well. I opened an account and then began to use my new XXXX XXXX XXXX XXXX credit card for all purchases so I could spend the {$4000.00} in 3 months to earn the promotional offer. 

After I spent the {$4000.00} I called Chase to find out when I would receive the offer they said that offer did not exist. It took me finding the email for them for them to actually believe the offer did exist ( they managed to find it after I found email proof ) and Chase then informed me the offer expired and I actually selected a different offer for {$200.00} off and XXXX points after spending {$500.00}. I offered to send them the email ; the manager informed me that they do not have an email to receive the evidence. 

I explained that I would never have opened an account if that was the offer and my spending habits clearly show I was motivated in spending {$4000.00} in 3 months. After having to escalate, I spoke with a manager and said they would review my case but I may lose the {$200.00} flight credit if the review was processed. I explained that was fine as the XXXX points + companion pass was my motivation to sign up. 

Approximately 10 days later I received a letter saying that " my account is not eligible for the new offer ''. I did not request a new offer, I requested that Chase honor the original promotional offer which I was led to believe I was signing up for. 

I am very disappointed in Chase, I have a XXXX XXXX card with them which I have had for over 5 years and I am upset that they did not honor the offer I signed up for which expired on XX/XX/2019 XX/XX/2019
Product: Credit card or prepaid card

I closed my Ink credit card account over the phone with chase. They notified me that my points would expire 30 days after I cancelled the card, unless I transferred them to my other account. So I had them transfer them to my Chase Freedom account and then close the Ink account. A few months later I went to redeem my points and they are all gone. I contacted chase to see why they weren't in my account, and they said they didn't get transferred to my other account and that they won't reimburse me for their mistake.
Product: Credit reporting

When I ordered my credit report history in XX/XX/XXXX, I noticed a delinquent account that I have never had opened. So I contacted the XXXX company and they did a investigation and found out it is a fraudulent issue. So they said they will close the account and report it to credit bureau. Well XX/XX/XXXX comes around and I wanted to buy a house and XXXX is still on my credit history. I did receive this letter that i attached. I would like it, if someone could possibility of removing this from my credit history. It is becoming a nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017, disputed all accounts negatively impacting my credit due to old accounts still showing up and incorrect account information about balances and payments and identity theft and false statements on accounts.
Product: Debt collection

Central Financial Control also know as Syndicated Office Systems continues to publish derogatory information to the credit bureaus regarding paid medical bills. In a settlement between NY States attorney XXXX and the credit bureaus, the credit bureaus agreed to remove medical bills from an individual 's report after the debt is paid.
Product: Mortgage

I am writing to your office today to file a formal complaint against XXXX XXXX XXXX # XXXX Regional Manager at your XXXX, TX location. 

Interaction with XXXX XXXX isn't acceptable, and he violated my rights. 
as a consumer and XXXX veteran. I applied for a VA Home Loan through XXXX XXXX ( XXXX XXXX - our Rep ) and we were approved for $ XXXX by Cascade in XXXX TX. We found land and picked. 
out a beautiful modular home. Our loan had to be sent to the Veterans. 
Administration because it's a VA Home Loan and they only do site. 
builts and modulars. Our builder XXXX XXXX sent to XXXX XXXX all the documents to order an appraisal ( ie : Area Comps, Survey, Floor Plan/blueprint of Home with pics, Bids for construction costs of Septic, Water, Electric ) I paid for the water feasibility fee fo {$100.00} which should be reimbursed. 

XXXX XXXX took it upon himself to sit on this Appraisal request 4 weeks and kept telling XXXX XXXX and myself that it's in the appraiser 's hands. After numerous emails and phone calls XXXX XXXX went above XXXX XXXX head to his Boss and then all of a sudden, we received the appraisal back and it was $ XXXX lower than expected. 
because the appraiser didn't receive all the documents that were originally sent. XXXX XXXX has all the email correspondence with XXXX XXXX to prove what was sent and what XXXX XXXX sent to the appraiser and it was only a portion of what he received. 

Then we filed a Reconsideration of Value ( ROV ) on XX/XX/2024, 2 weeks went by and we didn't hear anything at this point it's 8 weeks.

of wasted time. I called the VA and spoke to XXXX, she said that they never received documents for the Reconsideration of Value and that the last information they had was a request for an Appraisal on XX/XX/2024, and they never received the results of that. I called. 
XXXX XXXX and let them know what I found out from the VA, they in turn ( XXXX XXXX ) contacted XXXX XXXX and he said that he thought. 
the deal was " Dead '' and didn't send any of our paperwork for the ROV request to the appraiser and he lost a $ XXXX loan for Cascade so I guess he doesn't have to follow the Mortgage laws and meet timelines. 
and deadlines. 

I sent a email notice to XXXX XXXX yesterday and told him that I wanted this transfer of Lenders effective immediately and I will be finishing this loan with your competitor that I am done dealing with him and his lies, that my rights were violated as a consumer and I was not impressed with how he handled this and I don't want this to happen to any other Veteran, I will also be reporting this to the VA Board because this is unethical, and bias and he didn't due diligence to secure this loan and didn't do right by me the customer nor did he assist in any way. I never received a response to my email that I sent to XXXX XXXX and the Realtors involved couldn't believe this either they have never run into this, now I am out another appraisal fee and longer wait times to get this loan to closing. 

This should not be overlooked and should be investigated. I can be reached at XXXX and my XXXX representative can also be contacted at XXXX for further information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020
Product: Bank account or service

Dear Sir/Madam, I am trying to get the benefit that I deserve for my Citibank checking account. 
I opened the account with a promotion code XXXX to get XXXX Aadvantage miles in XXXX 2015. Since there is no Citibank branch where I live, I opened it online under the guidance of Citibank representatives through both online chatting ( please find attached chat history ) and phone calls. At the time Citibank confirmed the AAdvantage bonus miles will be credited by Citibank to my AAdvantage account within 90 days from the end of the statement period in which I complete all offer requirements. 
After the checking account was opened, I completed all the requirements. 
However, now Citibank claims I was not targeted in this promotion so they refuse to give the XXXX Aadvantage miles. Citibank has investigated twice on this issue, both times I get same answers. ( attached their answer ) When opening the account, as a customer, I had no information of Citibank internal marketing strategy. The only resource Citibank provided were online chat help and customer service on the phone. All Citibank representatives confirmed I will benefit from the promotion. Now Citibank is contradicting itself. 
Please help the justice be done. 
With gratefulness,
Product: Credit card

On XX/XX/year>, I contacted the credit card customer service at Sofi Bank regarding unauthorized transactions on my Sofi Credit Card Account ending in XXXX in the amount of {$2500.00} from multiple merchants. I only uses my Sofi card for some small recurring charges and does not carry the card with me on daily basis, and also does not check on it at all since it's on autopay. When I realize that I no longer have my card, I went into my app and check the credit card portal and found out about unauthorized charges that I don't recognize. I open the Sofi app pretty frequent as I have checking, savings and and investment account with Sofi. All the accounts can be access in one app but in different portals. 
I then reported the issue by calling customer services. Sofi 's credit card dispute service was outsourced to a company call XXXX. Their investigation undergo for about 8 weeks. Meanwhile I have no way to follow up with them nor did I receive any request for additional information. At XXXX I received a letter from Sofi in mail saying my claim was denied because their manager, if I remember correctly, his name is XXXX or something starts with a XXXX, has denied my claim due to that I have accessed the app while the unauthorized transactions are made. I do not have transaction notification turned on on my app for Sofi transactions, the app also does not show transaction unless you go into the credit card portal. And they provided me a phone number to XXXX saying the only way to appeal this decision is by contacting him. The number provided was ( XXXX ) XXXX. When you dial the number it goes no where. Everything I called, an automated voice respond " The person you trying to reach is not available right now, please call back later. '' And now, this number is no longer in service when I call. I also email XXXX, but also did not receive any response nor solutions regarding my case.
Product: Vehicle loan or lease

This is in reply to Company 's Response for Complaint # IDXXXX. At the time I responded to the company 's answer, I didn't notice the discrepancy in payment. I was told by the company that in order to pay off the car, I needed to send {$16000.00}. This was sent to them on XX/XX/XXXX -- a week before the end of the lease. According to the company 's response, quoted below, I was only required to pay {$15000.00}. The company owes me the difference - {$450.00}. 



>> '' Thank you for bringing your concerns to our attention. Our records reflect that on XX/XX/XXXX, you executed a 36-month lease for a XXXX XXXX. The lease discloses the agreed upon value of the vehicle at lease inception XXXX {$31000.00} XXXX as well as the residual ( or price to purchase the vehicle ) ( {$15000.00} XXXX at lease end. We confirmed that beginning on XX/XX/XXXX, we provided you payoff quotes and payoff instructions on multiple occasions via our website and Integrated Voice Recognition ( IVR ) system. " <<
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 
I have already disputed the items with the bureaus on XX/XX/2022 but the bureaus did not remove them, nor prove validation. 
Under Sec. 602 FCRA " I have a right to privacy '' XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX
Product: Prepaid card

I was given a gift card from my family- originally purchased in Virginia. The prepaid gift card did not work, so we had to reach out to the number on the back of the card. The agent on the helpline asked me to submit my govt ID and photos of the card to a link on the website : XXXX We submitted the details and requested for a replacement card but never received one. When we reached out to the helpline again ( XXXX ), we were told that they have some problem in verifying and that we now need to send our documents to them via fax along with a bunch of additional information. 

It seems to me like a scam to discourage people from using their gift cards. Kindly help me in claiming the {$100.00} balance on the card. Attaching the photo to this request. 

Thank you.
Product: Credit card or prepaid card

On XXXX of XXXX the bank closed my credit card account and demanded me to provide them my Social and official ID. I called them and refused to re open until I mailed the copies. I mailed them and never received an answer. I never missed a payment and to this day they never answered.
Product: Debt collection

I have been contacted by capital one collections multiple times via my cell phone and work cell phone about a debt I have never received any verification or validation. I have asked Capital one collections to stop calling my phone and to communicate by postal mail only as they are violating the Telephone Privacy Act. I am going to file a lawsuit against the company if communication is not ceased immediately. The fine for every call after I cease and desist is {$1000.00}. 

I have also tried to contact XXXX at the office of the president multiple times and left a voice mail. XXXX sent a letter full of useless information that I did not request. I am seeking to establish a settlement for the auto loan that went into default for {$3000.00}. I am not requesting the account be removed or deleted, although if that's an option, I would like to take advantage of it. If not, I will settled with the status of the account being changed to " Paid in Full '' as opposed to " Settled ''.
Product: Checking or savings account

my account was hacked and money was wire transferred out ( {$5000.00} ) this happened on XXXX.The bank said I helped the scammers. I thought I was helping the bank unfreeze my account. During the back and fourth with the scammers I became suspicious and tried to contact the local office of the bank, all I could get was a recording saying they were busy helping other customers and i should call back later.I was left high and dry by the bank and now they are saying it was my fault.
Product: Checking or savings account

On XXXX XXXX XXXX  Charles Schwab sent me a letter saying they decided to close my account. After numerous phone calls they refuse to provide any information as to why. They did so abruptly without any notice causing direct deposits into my account to be blocked, causing me a lot of financial problems. I was a customer for over a decade.
Product: Debt collection

XXXX XXXX, " XXXX XXXX '' has called me daily stating " last chance before legal action '' XXXX XXXX has also called my mother, my ex husband and now, today ( XX/XX/18 ) she called my daughter. XXXX XXXX left the number XXXX ext XXXX. This is out of line.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to ignore my multiple disputes and violation of FCRA and consumer laws. Transunion has added more inaccurate and incorrect information for which I am also asking to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against EXPERIAN ( hereinafter referred to as " the Agency '' ) for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and their refusal to remove an unwarranted charge of {$480.00} for an apartment that I moved out of and always paid rent for from my credit report. Identified as XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Pursuant to the FCRA, 15 U.S.C. 1681 et seq., the XXXX has a legal duty to take reasonable steps to ensure that the information contained in my credit report is accurate and fair. The inclusion of this unwarranted charge in my credit report constitutes a violation of my rights under the FCRA, specifically 15 U.S.C. 1681e ( b ), which requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Furthermore, the FCRA also gives me as a consumer the right to dispute any inaccurate information contained in my credit report, 15 U.S.C. 1681i, and to request that the information be corrected or deleted. I have exercised this right by demanding that this charge be removed from my credit report, however the agency has refused to do so. 

In light of these facts, I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action to ensure that my rights under the FCRA are protected. I request that the CFPB takes steps to hold the agency accountable for their failure to comply with the FCRA, and that the unwarranted charge be removed from my credit report. 

I would like to thank you in advance for your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX Email : XXXX Regenerate response
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted complaint with CFPB no : XXXX in the month of XX/XX/XXXX and while closing the complaint Wells Fargo gave me letter that due to merchants mistake all problems happened and they have reported all the credit bureaus to REVERSE the late payment reporting on my credit report. 

It appears that only late payment reporting by Wells Fargo on my XXXX   credit report is removed but on XXXX and XXXX is NOT REMOVED. 

I am buying a home and again and again Wells Fargos issue give me a problem. I have raised earlier also CFPD in this respect and Wells Fargo official called me and told that they have already intimated to credit bureaus to reverse all the late reporting and bit may make 30-60 days to disappear all the late reporting. 

this decision was made to revert all the credit reporting in the month of XX/XX/XXXX. Its now XX/XX/XXXX. SEVEN MONTHS.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> someone hacked into my Citibank online account. They changed my online password and then proceeded to send XXXX wire transfers from my money market account for {$1800.00} each for a total of {$3600.00}. I was on the phone with the Citibank representative while the transfers were happening since I got an email telling me my online account password had been changed. I asked the Citi representative to lock down my accounts but she continued to ask questions and did not shut the accounts down fast enough as the hacker got more money. Citibank said they would reach out to the receiving bank to get the money back and I needed to wait 90 days. I waited 30 days and I had to reach out to Citibank to get status on the situation and they told me XXXX said there was no money in the receiving account and they would not return the money. I was then told to fill out a Wire transfer Fraud report to get my money from Citibank. Citibank has denied me my request to return the money stating it was a scam and not fraud. To this date I have not received any communication or correspondence from Citibank on the fraud or any investigation. I have had to reach out to them they never communicate with me.
Product: Debt collection

Debt collector called trying to collect on a debt I had paid more than a month prior to the calls and letter. They began calling me before I had received their letter in the mail. I did not recognize the number and I was at work so I did not answer the call. They then called hourly for the next XXXX hours until I did answer. When I said " hello '', I heard the " ringing tone '' as though I was calling them or was being redirected. The lady who answered asked me to verify who I was. I said that, since she had called me, I would like to know who was calling me. She asked me again for verification. I asked her to identify herself. SHe mumbled her name quickly. I said " I 'm sorry, I did n't catch that. '' She again asked me to verify who I was. I again asked her to identify herself. She ended the call at that time. I blocked the number after that because it seemed shady. I later received their letter in the mail at which time I noticed that the number that had called me was for this collector. 

Additionally, the size and placement of the logo at the top of their letter makes it appear, at a glance, that the name of the company is " OHSI ''. This " OHSI '' is the largest and most noticeable thing on the letter. Although their actual name is listed many times throughout the document, the logo/placement could make it difficult for more vulnerable demographics ( elderly, etc. ) to search for and find this company online ( and consequently make it harder for them to identify who the company is in things such as the step of the CFPB 's process that asks users to identify the company ).
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports