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

Chase bank advertises several credit cards offering rewards mileage promotions. They unceasingly target and lure the customer. 

Then the cards take several hours over several days or weeks to obtain with unceasing and repetitive questions about credit or your address or other info, that is submitted to chase 6 or 7 times to even obtain the card. This has required hours in person at the bank, online, and on the phone- they want to torture you before issuing the rewards earning credit cards. 

Now with the cards in hand, I have ''rewards points '' I am trying to redeem for air travel. For the past 3 days chase.com has given several error messages and will not redeem any rewards points ''please try again later ''. Meanwhile, the ticket prices go higher and higher. 

On phone today, the chase agent was incompetent, lethargic and abusive and could not process the request timely. She said she has no record of any attempt, another defect in chase.com rewards system, if so. 

THUS, I was lured into wasting hours of my time to obtain the credit cards which earn air mileage rewards. Now, I can not redeem without wasting another five or six hours. 

The whole thing by chase.com is a XXXX of the public with the sky mileage scheme, they never intend to allow redemptions or will allow only with many hours of effort by the consumer. This is consumer fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello im submitting this complaint because the following account is being reported by EQUIFAX inaccurately and in violation of 15 US CODE 1681b ( a ) ( 3 ) ( f ) which states : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. 


The original account in question which is XXXX XXXXXXXX XXXX  is no longer owned by the collection agency THE BUREAUS which is a violation of 15 US CODE 1681b ( a ) ( 3 ) ( f ) because i have not initiated any business with this company and i i have no terms of agreement to meet with this account, therefore should not be reported by EQUIFAX. Here are the account details : THE BUREAUS/XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that was not open by me. This has been hurting me as I am in the process of trying to buy a house for me and my family. Please remove fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting 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 ITEMS. 

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: Debt collection

My lease expired and we never had a new agreement I moved and paid XXXX which exceeded the damages. And this collection agency is harassing me for breaking a lease agreement that I never signed. I tried to explain it but they told me they dont care and I need to pay before it damages my credit and XXXX never be able to rent again.
Product: Money transfer, virtual currency, or money service

am writing to formally express my concerns regarding Zelle 's 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, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.the lack of transparency and accountability is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

This creditor is in clear violation of my rights. I have not signed any contract with this creditor yet I receive correspondence about a debt owed. The creditor needs to show proof that I own the debt. The creditor needs to show proof that I have signed into contract to pay them. Furthermore, In accordance with the fair credit reporting act, this creditor has violated my rights. Account ending in XXXX, Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
Account XXXX, connected to account XXXX
Product: Debt collection

I XXXX XXXX a consumer protected under the federal law has been violated. 
Transunion, XXXX, and XXXX have all deleted a XXXX XXXX bankruptcy from my consumer report and reinserted it back under a different reference number. That is a direct violation to the US Code 15 USC 1681i ( 5 ) B ( i ) and 15 USC 1681i ( 5 ) B ( ii ). That is a direct violation of the federal law, nobody every sent me any documentation of the reinsertion. I have the paper work from the Courts that says the dont furnish bankruptcies anyhow.
Product: Credit reporting or other personal consumer reports

I've found there may be some inaccuracies in reporting going forward if these issues aren't promptly resolved ; would love any feedback possible before taking action against us later down this road together.My credit report is a representation of my financial standing and I take pride in keeping it up-to-date. With that said, you have the responsibility to keep my credit profile and report accurate, authentic, and complete! Therefore I need you to provide me with verification of everything within my credit report in a TIMELY manner.The inaccuracies that are currently on my report are having a serious negative impact to my quality of life! The data on my credit report is of high importance and is currently not a representation of who I am financially because its inaccurate. I'm demanding accurate documentation so you can document me- the person who deserves status in society- correctly!! Please make sure that all inaccuracies are removed immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records.
Product: Credit reporting or other personal consumer reports

I formation is incorrectly reporting from company capital one
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in a validation of account information in XXXX and asked for several items on a letter dated XXXX XXXX XXXX XXXX I just got a standard response that the debt was verified and correctly listed again and it is not and I am now including a letter asking for all of the items to be corrected and verified and be sent to my mailing address within 30 days. This account should be dleted because of Experian being Non Compliant and not EVER giving me the information that I am asking for. I want the CFPB to hold them accouintable according to the law since the failed to give me the account information I have been asking for. This is what I want and it is spelled out in the letter. 

XXXX. I want proof of signature on financial contract and date sent to me. 
XXXX. Date opened was XX/XX/XXXX according to XXXX XXXX but it is listed on my Experian as XX/XX/XXXX. 
XXXX. I want dates of all payments made and what payment methods I used to pay you and what dollar amounts I paid you each time. If I paid by check, I want copies of all checks. 
XXXX. There is a date of last activity of XX/XX/XXXX how is that possible when the last date of activity was when it was charged off in late XXXX 
XXXX. You have it being charged off on XXXX XXXX  that is totally false as well and needs to be corrected and deleted. 

Are you familiar with something called 15 U.S.C. Section1681i ( a )? I heard if you cant provide proof, these accounts must be deleted. Well, I want these accounts to be deleted if they are not 100 % correct and if Experian fails to comply with my request of information as described above as it is my right to ask for the following information. I do understand by law you have 30 days to comply, or account must be deleted. 

I am at my wits end they never comply with my request, Please force them to do thier Job Thank you, XXXX XXXX XXXX I am including the new letter the previous letter and my credit report with experian showing the inaccuracies of date of last activity date charged off which is wrong as well and the balance showing on a charged off account which should be zero
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Product: Mortgage

After review of my CALIBER HOME LOANS mortgage XXXX credit report, I observed erroneous information reported. XXXX XXXX XXXX {$150000.00} ALL the below information is incorrect : 1. rating of 30 was reported XX/XX/XXXX, XXXX rating of XXXX XX/XX/XXXX. I have never ever been late paying my mortgage. This is frustrating to see this on my credit report. 
XXXX. Also terms states XXXX $ paid for 360 months XXXX. XXXX XXXX -- High balance of {$150000.00} from XX/XX/XXXX to XX/XX/XXXX This account was bought out by XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 6 rounds of letter to the credit bureaus, and they have not give me answers. I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Product: Credit reporting or other personal consumer reports

The company has no agreement with me for a product or service. This is the third time it has been removed and returned to this report. I would like to press charges or file a civil penalty claim against this company for harassment and extortion
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX. XXXX. in XXXX and XXXX XXXX constantly tried to solicit money from me or they would sue me and take whatever they could to satisfy the debt even if it was everything i owned. After months of harassment they forced me into signing a repayment agreement and a Confession of Judgement. I think I was cohereced into something thats not right or even legal. They have been aggressive and abusive with their constant threats of wiping me out if I did n't agree to sign papers and send them money. So I finally did, I think this type of threat and coercion may be illegal and I ask for your help.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, Coinbase withdrew {$140.00} from my checking account despite me not having done anything to justify this They claim this is a problem with XXXX however XXXX states that this problem is exclusive to Coinbase and no one else they serve is experiencing a similar problem
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax XXXX XXXX I go by XXXX XXXX and not XXXX XXXX that is the first inaccurate information that I am disputing. So every inaccurate account listed under that name isnt mine my name is spelled XXXX XXXX. I am unaware of the accounts and inquiries. Last time I purchased anything it was for cash. I have never used my credit and dont ever plan on it. My report is clear. None of the accounts or inquiries are mine these are errors youre reporting. I am in total distress due to the my credit report. I have sent certified letters, including faxed letters on several occasions. You have removed some of the inaccurate accounts but not all. I have attached a letter with the inaccurate accounts that you are reporting and didnt not remove. My credit report should be clear on any inaccurate information you are reporting because its a violation to place items on my credit report that doesnt belong to me. If you dont comply within the time frame of our appearance in XXXX XXXX County Courthouse you will be summon and I will take further actions on making this a serious legal matter if you continue to report any other error on my report. I am working with an investigator to make sure we find out who is placing the inaccurate accounts on my report. I have been told in the past that these credit bureau are purposely leaking information to cause severe breaches so that you can make an income. I advise you that you remove every single inaccurate account from my credit report. I havent checked my credit report since XXXX so therefore I shouldnt have any foolishness on my credit report.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and noticed an account that was not mine at all and then had inaccurate information as in late payments that have nothing to do with me!!! Please update immediately and remove all incomplete information
Product: Credit card or prepaid card

I have called to report the situation. Got the service request number filled sent back all papers to request refund of almost 100 from online purchases thro XXXX I didn't approve off of my social security direct Express card and at XXXX a month I cant afford to loose anything now I'm disconnected when I call 6o get answers
Product: Checking or savings account

On XX/XX/XXXX, I applied for a new residence, to my knowledge the company was legit, well it was when I was reaching out for the status updates and they had no knowledge of who I was. So I told them I had proof of it, came to check my account and noticed their was an XXXX XXXX for {$500.00}, I never XXXX paid anything, I was sent a link to pay deposit of {$500.00}, come to realize the link was not a part of the company and I was scammed, I reached out to chase immediately after I seen the pending transaction settled, I called and let them know and they have NOT refunded me my money and closed my case stating it was a money order which is was not. I have no idea how a link sent an XXXX XXXX but i did NOT authorize any XXXX  payments, I would not XXXX XXXX, XXXX XXXX  or XXXX any corporation, it doesnt even make sense.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I had {$1000.00} deposited into my account XXXX days ago and they will not let me transfer money to my debit card they will not let me transfer money to any of my friends on my list in other words they will not let me get my money anyway which way whatsoever. They have Frozen my account so I have no access to my funds I have a car payment due yesterday and my power has been shut off now because of non-payment because I can not get to my funds that they are holding for no reason whatsoever
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Credit Bureau, and XXXX XXXX continues to not report correctly for XXXX  XXXX x XXXX XX/XX/2018 showing 1 month late. It was never late, and I need it corrected. 
I have called XXXX XXXX, they have no archival files, can't reach a credit contact and XXXX  is someplace else and keeps trying to verifty never gets corrected I need it corrected as Never late. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Product: Credit card or prepaid card

Two credit cards appear in my name and I call the financial institution and they do not answer. They only tell me that they are investigating but they do not give me an answer.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report on XX/XX/XXXX and found that I still have accounts reporting on my credit report fraudulently. The XXXX XXXX XXXX account # XXXX, opened XX/XX/XXXX XXXX {$1300.00} has been previously disputed through Transunion and XXXX personally. I have reason to believe investigations conducted have not been thoroughly conducted as only the balances on the debts have been updated and no validity of the debt has ever been produced by debt collection agency or credit reporting agency.Upon sending a letter to verify what debts that I allegedly owe, the address presented on all XXXX credit reporting agencies is a fictitious address as this company is just a sub corporation attempting to collect a debt for XXXX XXXX. XXXX XXXX XXXXXXXX has recently been placed on my credit report balance {$530.00} and have never notified or communicated of any debt what so ever. These accounts are in violation of the FCRA and is a violation of 15 USC 1692g in particular. Please ( RE ) investigate these accounts as they are hindering my ability to obtain credit. These accounts violate the FCRA are subject to {$1000.00} per violation as well damages accrued in the process of insuring my credit report has been reporting fair and accurately for several months now. These damages would certainly fall under 15 USC 1692d with both debt collection agency and credit reporting agency being liable
Product: Student loan

I received an email from the XXXX XXXX XXXX that my student loans will be forgiven under the XXXX XXXX administration on XXXX review the attached documents. Shortly after that, my account with MOHELA was placed in forbearance and the loans were XXXX. I received a congratulations letter from MOHELA that my account was XXXX. 

Today received a payment reminder from MOHELA. I logged in and the balance was showing again. I called MOHELA and they told me that the forgivness decision was reversed and they were notified by the department of education to now process my forgiveness under borrowers defense program because I attended XXXX and XXXX XXXX. This specific Forgivness under the borrowers defense program was XXXX from my account a long time ago and the remaining balance was forgiven under the XXXX account adjustment. I have not received anything from the department of education that would indicate that my IDR Forgivness was reversed. I logged in today and my account balance is showing as XXXX. How can this be possible? MOHELA has now placed my account in forbearance until they process the borrowers defense discharge. None of this makes sense to me and it is illegal. You can not forgive the balance and reverse it back. Again, I was not notified by the department of education on this and my balance with them is still showing as XXXX. 

I need someone competent at MOhela to review my account please because I am not making any payments. As far as I am concerned, my balance with the dept of education is XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions XXXX have caused significant inconvenience and financial loss, and I seek appropriate redressed for these violations.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed fraudulent accounts on my report. Please remove these accounts from my report, they are hurting the ability for me to obtain to credit.
Product: Checking or savings account

I AM FILING THIS COMPLAINT ON MY OWN BEHALF, THIS IS NOT A THIRD PARTY Capital One bank decided to stop making their " 360 Savings Account '' as well as a money market account and instead opened up their " Performance Savings Account '', in the process all the customers with the 360 account had their interest rate set to match the children 's savings account rate of 0.30 % APY while new customers were given the rate of 3.30 % APY on the Performance accounts. They did not reach out to their longstanding existing customers to let them know of this change. So basically their prior basic account was downgraded and they are getting away with paying customers 11 times less interest for the same basic account that is now under a different name. The only difference between the old 360 account and the new Performance account is the interest rate. After speaking with a manager on XX/XX/23 ( after I noticed the massive discrepancy in interest rates ) I was told there is absolutely nothing they can do about back interest owed by them or about changing the interest rate of their own accounts ( that they have been steadily decreasing the interest rate on for years, even with loan interest rates at an all time high ). My only option is to open a new account, change all my direct deposit and payment information around, and write a letter to the office of the president ( that will most likely go in the trash upon receipt ).
Product: Money transfer, virtual currency, or money service

XX/XX/23 {$500.00} lost via XXXX XXXX XXXX impersonating a friend. Sent money as deposit for an item for sell. Scammer began asking for more money, which then allowed me to realize this was not who I was lead to believe. XXXX : XXXX XXXX XXXX Zelle : XXXX I was encouraged to file this complaint by a consumer support outreach agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a original collector and third partys on my credit report trying to collect the same debt. Illegal to give personal and private information to any one. Its also illegal to sale debt. Third party and original collector dont have any original documents with my signature to verify this so called debt. This should not be excepted its taken so much for being illegal and fraud.
Product: Credit reporting or other personal consumer reports

I was a victim of the Equifax date breach and Would like fraudulent account removed please see attachments