23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In early XX/XX/2024, I was attempting to book a flight on XXXX XXXX. There was a pop-up from Chase Bank offering {$300.00} credit that could be used on the purchase of the ticket. I applied and got approved only to find that United couldn't use the card because they need the CVC code on the card which should arrive in 5-7 business days!

I finally got the card, found out that my original United flight reservation confirmation code no longer existed. The fare has since doubled. I called Chase and asked about the {$300.00} credit. Was told it would now appear on my credit card statement after I booked the flight. 
What happened to the " instant savings ''? I consider this false advertising boarding on fraud. I am hoping you can investigate these actions and there was NO WHERE that stated the {$300.00} credit could not be used until the card was received in the mail. 

HELP and thank you for helping. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX/XXXX   XXXX {$1100.00} XXXX/XXXX XXXX {$4000.00} XXXX  XXXX/XXXX  XXXX {$580.00} XXXX  XXXX/XXXX  XXXX {$2800.00} XXXX XXXX {$1000.00} XXXX  XXXX   XXXX, XXXX, XXXX, XXXX  XXXX {$3600.00} XXXX XXXX {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested a method of verification from XXXX  TransUnion XXXX on 3 Collection account bureaus refuse to deliver the message it is my right the account has been sold and paid for sale of the vehicle and XXXX XXXX does not have me in their system the information is an accurate on my credit report and Bureaus refused to remove the information or send requested METHOD OF VERIFICATION. 
ITS ILLEGAL AND THEY ARE NIT IN COMPLIANCE.. 
THANK YOU
Product: Mortgage

owner XXXX XXXX file compliant against bayview loan servicing for predatory lending practice. hoepa home ownership and equity protection act of 1994. and tila truth in lending act violation of both hoepa and tila 1 ) high interst rate 2 ) high escrow charges fees and unreasonable late fees respa real estate settlement procedure act 1 ) past due amout and excessive charges unearned and duplicate fees violation of section regulation x improper charges and improper fees. owner request to publish this information to other victims if you are interested in bring a class action lawsuite against bayview loan servicing please be willing to sign petitions and call me XXXX at XXXX thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I was sourced to contact Federal Trade Commission and police department for identity fraud, now I'm contacting you all for your assistance. These items need to be deleted from my credit report XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, US DEPT ED and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing this with the utmost urgency to draw your attention to a matter of the presence of fraudulent accounts, personal information and unauthorized inquiries associated with my identity. Upon a thorough review, I have noticed that certain accounts and transactions have been inaccurately attributed to me, without my consent. This has left me profoundly distressed and deeply concerned. I am a victim of XXXX Data Breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name AARGON COLLECTION AGENCY Original creditor XXXX XXXXXXXX XXXX Account type Collection Date opened XX/XX/XXXX Status Collection account. XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

Hi, To whom it may concern : Here is a letter I sent ; I contacted bank, Congressman XXXX XXXX, I understand that you are very supportive of your constituents, and I truly hope you will support my quest for restitution from one of our biggest Bank in the United States, Chase Bank. In fact, as of 2022, JPMorgan Chase is the largest bank in the United States, the world 's largest bank by market capitalization, and the fifth largest bank in the world in terms of total assets, with total assets of US {$3.00} XXXX. 
Despite its incredible assets, Chase first refused to protect my small business assets from on-line theft and on-line hacking of my very small business bank account! Even after their failure to protect me the breach, Chase also refused to reimburse me the {$40000.00} that was stolen out of my bank account. I am a single father of XXXX, and have a very small XXXX XXXX. Hence, I often live from weekly deposits to weekly deposits. 
When I opened my bank account, I was informed that Chase insured my money and so did the FDI. On XXXX, my very small business account was hacked and {$40000.00} was stolen from my account. 
Chase initially refused to assist me recover my funds. After multiple telephone calls and pleas, after 120 days Chase has finally contacted me.

I was informed that Chase is looking into it, and it will take time. It is the holidays and I am struggling to provide holiday cheer and gifts for my family. Please, I need your help to speed up the reimbursement process. 
I am requesting that you please help expedite recovery of the money stolen from my bank account. That you for representing my interests and supporting my fight to recover my money from Chase Bank. 
My Chase contact is : XXXX XXXX XXXX. XXXX Wait till someone answers then give EXT # Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Your office is in violation of my consumer report given to me by congress as s federally protected consumer. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.After reviewing my consumerit has come to my attention that your office ( XXXX, Experian and XXXX ) have again violated my privacy. 15 USC 1681 ( a ) ( 4 ). You also have placed false inaccurate collection accounts on my consumer credit report that I would like to remove 1. XXXX : Account number : XXXX, XXXXXXXX XXXX XXXX Account number : XXXX, XXXX. XXXX : Account number : XXXX, XXXX. XXXX  : Account number : XXXX, XXXX. XXXX : Account number : XXXX, In addition, your office is in violations of the following violations : 15 u.s code 1692g ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

15 u.s code 1681s-2 ( A ) ( B ) ( i ) ( ii ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors
Product: Debt collection

I am unaware of any contractual agreement or obligation to pay you. I refuse to pay this alleged debt. Remove or delete any and all accounts from my consumer report immediately after receiving this notice.
Product: Credit reporting or other personal consumer reports

Sent the Equifax bureau certified letter over 40+ days ago regarding fraudulent inquires on my account and haven't received a response. So I then called and they didn't address issue over the phone either. 

Also sent the XXXX XXXX certified letter which they responded to with solicitations for their services and disregarding the reported fraudulent inquiry I asked to be removed. 

These need to be address immediately as it's negatively impacting and misrepresenting my credit report
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around the end of XX/XX/XXXX I pulled my credit report and noticed that XXXX XXXX is reporting false information on my credit report with regards to a car loan that I had with them in XX/XX/XXXX. At that time I notified several credit reporting agencies of the error, they did an investigation and reported updated information from XXXX that is still false. I want immediate resolution and expect that if I am denied credit because of their actions that they will be held accountable. 

Complaint Description : I had a car loan with XXXX XXXX which was paid in full XX/XX/XXXX, XXXX is illegally reporting to the credit agencies incorrect information. Account Number : XXXX Make : XXXX XXXX XXXX VIN : XXXX Account Paid in Full Date : XX/XX/XXXX ( per confirmation on XXXX letterhead ) XXXX has reported this account has charged off on my credit report also has reported inaccurate information after I disputed the information, they added more incorrect information. Status on my credit report : Bad debt & placed for collection & skip They have also updated my credit report that I have not paid since XX/XX/XXXX through XX/XX/XXXX. Which appears as 48 times that I have missed payments, this is materially false information and when asked to correct they have not complied. I have documented a paid in full letter dated on XX/XX/XXXX. With this documentation and the behavior of XXXX XXXX I have legitimate documentation they are violating consumer credit laws. I would like to avoid legal action against XXXX if they will accept my proposed resolution of immediate deletion of my account with all 3 credit bureaus, XXXX, Transunion and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never initiated or opened any account with Swiss Colony or any of it's associates or affiliates. I disputed the validity of the account with XXXX and XXXX on XX/XX/XXXX. Yet, the company maintains that the account is valid. I would like the FTC/CFPB to launch an investigation and seek possible legal action against Swiss Colony located at XXXX XXXX XXXX XXXX XXXX XXXX telephone number XXXX. 

I have contacted the company several times, they maintain the following : there is no history on the alleged a account, no orders on the account, and no date when the account was opened. Yet, the account appears on my XXXX and XXXX credit reports. As of XX/XX/XXXX, the alleged account is reflecting a credit limit of {$1000.00} of which {$110.00} has been utilized. 

On XX/XX/XXXX, XXXX of XXXX, I spoke with several representatives to include the lost prevention department and I have been unable to resolve this matter. All representatives that I spoke with at Swiss Colony maintain that no account exists. The last representative provided an account number, yet maintained that no orders have been made and no history exists on the alleged account. 

I am in the process of purchasing a new home and this is negatively impacting my credit.
Product: Credit reporting

I 've worked hard for decades to maintain an outstanding credit rating that 's ranged right around XXXX. I take my credit report extremely seriously and always consider the impact on my score when making decisions that may have an adverse impact to my credit score, and ultimately my financial well-being. 

In XXXX of 2015 I obtained new employment which involved selling my home and moving my family. This move incurred over $ XXXX in moving expenses, all of which were reimbursed by my new employer once we were able to provide receipts evidencing the expenses incurred. In other words, the funds for my travel and relocation expenses initially came out of my savings and then were reimbursed by my new employer after the move. 

Given the safety, security and support that XXXX XXXX offers, my wife and I used our XXXX card to fund the upfront travel and relocation costs. Unfortunately, we did not realize what a detrimental impact that doing so would have on my credit scores. My score which was XXXX immediately dropped to XXXX ( XXXX point drop and below the XXXX A-Rating threshold for obtaining the best mortgage rates ). The drastic drop, I 'm told, is due to the fact that XXXX does not report a credit limit but rather reports the lifetime max that has been borrowed as the limit. In this particular case, $ XXXX was my lifetime max and thus it appears I 've maxed out my card. For this reason, my credit score has plummeted and now effectively puts me in a position where I face paying XXXX of dollars more per year on a mortgage because I no longer qualify for the best mortgage rates.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Account - XXXXXXXX XXXX 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 an account without my instructions.
Product: Credit reporting or other personal consumer reports

This is in regards to Jefferson Capital Systems LLC in the amount of $ XXXXi do not believe that the debt that is being reported on my credit report is valid.
Product: Checking or savings account

I have a bank of the west checking account. Under this account I have other linked accounts. one of those accounts was closed without my knowledge or consent. Now I would like to use that account and have come to find out it is closed. I was given no warning of this activity, and now upon trying to another account I am told through many prompts that the addition of this account is disabled. I have wasted over an hour inputting my information and clarifying the accuracy of my personal data for this application. In the future I would like to be notified of account activity PRIOR to actions being taken. It is an absolute waste of time and extremely frustrating to fill out an application for 30 mins, then be blocked, then wait on hold for 20 mins for a  representative to tell me that I need to wait until XXXX XXXX  and start over!
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Unauthorized inquiries XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I opened a new checking account with Wells Fargo on XX/XX/XXXX. There was a promo valid until XX/XX/XXXX that was offering a {$200.00} bonus if a direct deposit of at least {$500.00} was received each month for three months within a 150 day period. The disclosure stated that the bonus would be deposited 45 days after qualifications had been met. On XX/XX/XXXX I noticed that I had not yet received the bonus. I emailed customer service and was told that they would have to investigate further and that I would receive an answer via US mail within 14 business days. On XX/XX/XXXX I received a letter from Wells Fargo that stated that I had failed to meet the direct deposit requirements. It said if I disagreed with the letter to call customer service. I called on that day and was transferred three different times. I first spoke to customer service they transferred me to a manager who said she couldn't help me and I was transferred to a customer support team at the corporate office. They all agreed that they were unsure why I had not received the bonus. The final customer support rep assigned me a case number and I was told that I would be contacted by someone from the consumer case management department within 24 hours. The following day I was contacted by XXXX from the consumer case management department. He reviewed the information and told me he would have to contact another department to investigate my claim further. I spoke with him on XX/XX/XXXX he promised me that he would get back to me by the end of the day or for sure by the next day XX/XX/XXXX. I did not receive a call yesterday and am now filing this formal complaint. In terms of documentation, I have all three statements showing that the qualified direct deposits were made for each of the following three months. Also, I have a print out of the promo, my approved application saying that the offer was attached and the offer disclosure. I am happy to provide a copy of the letter I received on XX/XX/XXXX. I am very tired of Wells Fargo. I would warn anyone and everyone to stay far far away from this bank. They obviously have no ethics or morals.
Product: Credit card or prepaid card

I applied for a Chase XXXX XXXX and received XXXX free night certificates worth XXXX points to book at XXXX XXXX. The certificate has an expiration date, but it does provide clarity on what it means. In the marketing email, Chase states " Each Anniversary Free Night Award issued will have an expiration of 12months. ". 

For example : - Expires on XX/XX/22 - Does this mean I need to use the certificate by XX/XX/22? Or Does it mean I need to stay at the hotel by XX/XX/22? 
- There is no clear communication ( or easy way to find the definition ) for book by or stay by for the expiration date. 

I tried to book a free night for XXXX, but was unable too because the certificate expires on XX/XX/22 as the hotel stay was one month after the expiration.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is that my credit report is showing I missed the XXXX, XXXX and XX/XX/2019 payments for my XXXX XXXX credit card. I attempted to reach XXXX by phone to correct this but was told by a recording that they have limited staff and were unable to accept my call. This was on XX/XX/2019.
Product: Credit card or prepaid card

This is a reassertion regarding case number XXXX. 

The response from discover was the following : The document provide from XXXX XXXX regarding the fraudulent account has an account number the last 5 digits of XXXX ; however, the balance transfer was completed to an XXXX XXXX account with the last 5 digits of XXXX which is associated with you. 

Response ONE : I had called Discover Consumer Protection Services ( XXXX ) on XX/XX/2018 at XXXX PST calling to prove that the account ending in XXXX did in fact NOT belong to me. This was proven via a conference call with XXXX XXXX account protection services. This was a DIRECT statement from XXXX XXXX. The call duration was 34 minutes and hopefully was recorded on your end. 


CONTINUATION OF THE CASE : I had called again on XXXX XXXX and had spoken with the investigative team and the person assured me my case was still being looked into.

Discover then sent a letter on XXXX XXXX and was delivered XXXX XXXX stating that because there was no new information no further investigation was necessary. However please note on XX/XX/2018 I had provided proof through a 34 minute call with Discover Fraud Services as well as XXXX XXXX that account XXXX DID NOT in any way belong to me. In fact the card was closed long ago to the point where even XXXX XXXX could not give any other information. 

I had even filed multiple credit cards ( including yours ) with identitytheft.gov. There were 3 other cards opened in my name, ALL of which were deemed fraudulent and closed in a timely manner without any penalty. You are the ONLY company yet to provide adequate resolution or reasoning.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Updated XXXX XX/XX/XXXX ; XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$5000.00} ; XXXX XXXX XXXX XXXX Balance XXXX XXXX {$3900.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX.