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

In XX/XX/2019, I received unsolicited offer in the mail from Chase Bank for the United Club Mileage Plus card. This offer was the United Club Card Intro Offer-First Year Free. It states " With this invitation-only offer, you'll enjoy a {$0.00} Introductory Annual Fee for the first year, then {$450.00} '' with a response by XX/XX/2019. I applied for the card and was accepted and received the card in the mail shortly after. My first charge on the card was XX/XX/2019. On XX/XX/2019, I was charged the {$450.00} fee that was supposed to be waived. I contacted Chase and was told I 'was n't eligible for the offer. ' I was going abroad and needed/planned to use the card so I paid the fee with the intent to contest the fee at a later date which I am doing now. I have the mailing/offer with my name and address on it in my possession. 

This is bait and switch and I want a refund of the {$450.00} fee I paid.
Product: Debt collection

I received a letter from this company alleging that I owe them a debt and that they provided me with services. I have never done business with this company and nor have they provided me with goods or services
Product: Checking or savings account

Closed my Business account with BOFA. Business name XXXX XXXX XXXX XXXX XXXX, XXXX. address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Provided my mailing address : All correspondence should be mailed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX I requested for XXXX to review the Notations that were entered in my XXXX Bank account from a XXXX BOFA Bank XXXX in XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX. XXXX tel : XXXX BOFA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX tel : XXXX Branches regarding my check. The check is {$190.00}
Product: Vehicle loan or lease

I bought a new car, so I called bridgecrest to get final payoff. I was told final payoff would be {$16000.00} if paid by XXXX XX/XX/XXXX or incurred a fee of {$2.00} a day. My regular monthly payment was made on XXXX XX/XX/XXXX & final payment of {$16000.00} was made on XXXX XX/XX/XXXX, so, I should have received a refund ( roughly {$320.00} ) due to an overpayment. I waited to receive a confirmation from them, but did not. I called to inquire & was told that there are no notes in my account indicating an overpayment or a refund due. They advised me that would have to research. I don't understand why the refund was not immediately processed when they received the payoff. I escalated my complaint to consumer service to inquire about Bridgecrest procedures for processing refunds, but was not given any process. I believe if I hadn't called, I would not receive a refund & my concern is how many other consumers are not receiving money owed if they don't call. Is this a common practice or an oversight? My case should be investigated to determine if this is a trend with Bridgecrest.
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 have caused significant inconvenience and financial loss, and I seek appropriate redres : for these violations.
Product: Money transfer, virtual currency, or money service

This makes the second time now that I have transferred a sum of money from my bank account to my brokerage account that the brokerage account set the transfer to be done twice instead of once. Then they call me upset that the transfer was declined. The real crazy part is that the amount to cover the second duplicate transfer was actually in the account. So how it got denied, I'm not even sure. On top of that, they make it impossible to actually talk to someone. I have a full-time job and I have to take hours out of my day to try to fix their mistakes. It's unacceptable and insane how these corporations have so little concern for their individual consumers. At some point, we have to stop doing business with these corporations for them to actually change.
Product: Mortgage

I have been making additional escrow payments for 2 years now. I have been sending separate checks from the actual monthly mortgage and was told to put in the memo field " additional escrow ''. Per my Credit Union ( XXXX XXXX ) they confirmed that all payments that went out for {$50.00} to LOANCARE did indeed have in the memo field that it was for additional escrow. When I received my escrow statement stating it was short I immediately called. I spoke to XXXX who was very apologetic and said he would have those payments applied properly. He also said I should be getting a refund. He said he viewed the checks and verified the memo. When I called 2 days later, I was told by a rep, and then her, superior XXXX XXXX escalation agent ) that they can only adjust the account for 6 months but they misapplied the payments for 12 months. I was also denied an audit on my account from XXXX ( escalations agent ). I am refusing to pay the increase mortgage amount i XX/XX/2022 when I overpaid the escrow. Per my insurance company, my insurance increased {$41.00} from the prior year and my taxes increased a total of {$200.00} from the prior year. I need this resolved. When I continue to make the same mortgage payment due to their error I DO NOT want my credit report to reflect a past due. My current credit score is clean with a XXXX score of over XXXX.
Product: Debt collection

Account was paid in full on XX/XX/XXXX. 
Collector never closed the account on their own behalf. 
Account was closed after having to dispute the account VIA the FCRA which included documentation on the account in question and {$0.00} balance ledger. 
3 years later, the collections company has now reopened the previously paid/closed account on XX/XX/XXXX. 
The collector forced me to have to call my bank and the apartment complex to try and find any documentation to support my claim the account was in fact closed. because it had been so long since the account was paid neither were able to provide me with the necessary information. 
Luckily, I have an amazing wife that is always looking out for me and saved the original ledger received on XX/XX/XXXX which showed a {$0.00} owed balance. 
Had I not had this statement I would not have been able to dispute the claim of unpaid debt and would have owed an additional {$1800.00}. 
I am lucky that i found the document but i fear that many others out there may not be so lucky and end up in a hole of debt with false claims of unpaid debts. 
additionally this account is now affecting my credit history for a minimum of 3 weeks just to process the dispute and no guarantee as to when it will be taken off of my debt history. this impacts my ability to seek additional credit during the time I am in limbo with the collector and could cause hardship as I am in the middle of starting a small business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Back in XXXX I was enrolled in an Income Driven Repayment Plan with my student loan servicer XXXX and I was never informed when it would expire or what I would have to do in order to extend it. I found out in XX/XX/XXXX that XXXX Reported me to the Credit Bureaus that my payment was XXXX days late. Once i found this out I called XXXX and had the Income Driven Repayment Plan reinstated immediately, and I was never required to make a payment. My credit report from XXXX XXXX, and Equifax all still say that i was late XXXX days on XXXX separate XXXX Loans from XXXX XXXX.These credit bureaus are reporting incorrect information on my credit report. I reached out to XXXX to see if they would remove these Inaacurate Late Payments and they told me no. I was decieved and taken advantage of by XXXX. And according to the CFPB XXXX XXXX XXXX so were millions of other Americans. That is why the CFPB sued XXXX back in XXXX. This has negatively affected my credit report so badly thst i cant even buy a house. Please help me to remove these inaccurate late payments.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX ; Account number 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. 1681s-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: Credit reporting or other personal consumer reports

Subject : Notice of Dispute - XXXX XXXX To Whom It May Concern, I am reaching out to express my profound dissatisfaction and concern regarding the handling of the reporting of the account XXXX XXXXXXXX on my credit report. Upon review, it has become apparent that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. I hereby demand immediate action to address and rectify this issue. 

Specifically, I am formally requesting a comprehensive debt validation, encompassing the following key details : Original Contract : Provide a complete copy of the original contract between the alleged creditor and myself concerning the account XXXX XXXX. 
Original Creditor : Clearly state the name and contact details of the original creditor linked to this account. 
Original Open Date : Specify the precise date on which the account XXXX XXXX was initially established. 
Date of Last Payment : Clearly indicate the exact date of the last payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account XXXX XXXX. 
I am fully cognizant of my rights under the FCRA, and it is evident that there has been a failure on the part of Experian to fulfill its obligations in ensuring the accuracy and validity of the information it reports. I demand a swift response and resolution to this matter. 

Failure to adhere to this request within [ 15 days ] from the date of this correspondence will compel me to pursue legal action to enforce my rights under the FCRA. Please regard this as formal notice of my intention to take such action. 

I anticipate a timely response, accompanied by the requested documentation, to be transmitted through the CFPB portal. Furthermore, I request that any corrections made to my credit report be promptly updated.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 in 60 days 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 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 pursuan
t rule 1002 and It was never provided.

This is unfair, illega
l, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Debt collection

I have filed a dispute through XXXX XXXX XXXX. The company, XXXX have not replied. This company is working for Capitalone Bank. While I wait for them, the wrong information they put on my file is still in my file. 

I also have inquires in my account that I will imagine is related to this people. 

I have two credit inquires that they need to take out of my account. I am a victim of credit card fraud. I have also filed an FTC report. 

Just wondering what gave this people permission to put this false information in my file.
Product: Checking or savings account

XXXX J.P. Chase Morgan Bank Private Client mortgage including escrow and other promised securities violations Predatory lending, tampering with safety deposit box and contents, illegal foreclosure ( owner is protected active military  XXXX XXXX  ) deceased ... unlawful possession, intimidation, multiple city and health code violations that were never inspected, property or condition before lending was completely undisclosed during sale or transfer! BLACK MOLD TOXICITY ... .WRONGFUL DEATH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Kentucky XXXX Umbrella policy New deed filed XX/XX/2019 New deed filed XX/XX/2019 XXXX I can get no information on this new deed II could not file a complaint then With the insurance provider agent I have been rejected and disregarded For a very long time I am XXXX  XXXX and separated from my children due to the lack of paid services that were insured to me as a named member on the umbrella policy I can give you more details but I dont know exactly what Else to do right now! Im ready to give up XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Credit Card Accounts : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit card accounts opened at : XXXX XXXX on XX/XX/XXXX under account number XXXX, XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, XXXX XXXX on XX/XX/XXXX under account number XXXX, XXXX XXXX  on XX/XX/XXXX under account number XXXX, XXXX XXXX on XX/XX/XXXX under account number XXXX, XXXX XXXX on XX/XX/XXXX under account number XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under account number XXXX, XXXX XXXX on XX/XX/XXXX under account number XXXX, XXXX XXXX on XX/XX/XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached copies of FTC Identity Theft Criminal Complaints XXXX, XXXX, XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICE, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX and XXXX XXXX have violated my rights XXXX 

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
Product: Money transfer, virtual currency, or money service

I am contacting you this time to get back the balance in my account ( {$720.00} )! My account was deactivated in early 2022! And square releases my account balance after 90 days of deactivation! But up to now my account is still unable to withdraw the remaining amount to my designated bank account! 
My square account is not frozen in any judicial case! I understand that you froze my account balance for 90 days to prevent account disputes and refund problems! But now 2 years have passed without any pending disputed orders in my account! Please release the money in my account in accordance with square 's terms and conditions! Let me reiterate that I do not need to use the square account anymore! My account can remain deactivated! I just need the money back in my account!
Product: Student loan

A payment I made in XXXX 2016 was never credited to my account. The payment was sent to the wrong servicer in error, and I was assured by both servicers ( XXXX and FedLoan ) that the  payment would be credited. To this day neither servicer claims to have received the payment despite documentation that my bank account was debited.
Product: Vehicle loan or lease

I WAS IN THE HOSPITAL AND OUT OF WORK FOR 3 MONTHS. I REACH OUT TO XXXX XXXX  FOR ASSISTANCE. THEY ONLY DEFERRED 1 MONTH. I HAVE NEVER BEEN LATE FOR 31 MONTHS. I HAVE BEEN PAYING ON A 18+PERCENT LOAN RATE. THIS CAR HAS BEEN PAID FOR. I'M SEEKING RELIEF FROM MY HARDSHIP AND LIKE AN OPPORTUNITY TO BRING THE LOAN.
Product: Checking or savings account

I opened TD bank checking account together with saving account on their bonus page back in XXXX. New checking customers Earn {$400.00} when you open a new TD Beyond Checking account. 

Earn {$400.00} when you have {$2500.00} in qualifying direct deposits in 60 days. Pay no ATM fees when you maintain a minimum daily balance, earn interest and waive the minimum balance fee in three ways, including direct deposits. 

There was a {$400.00} checking account and {$200.00} savings account bonus. But I only received the {$200.00} for the savings account. When I called earlier, they said they will credit me the bonus on or before 180 days for sure. I have completed the direct deposits within the required time. They said the bonus will be credited to my account with in 180 days, but now it is way over 180 days and I still didn't see the bonus. After conversion with them, they said this is not a public offer and won't give me the bonus. But I indeed opened both account through their welcome page and it was a public offer for sure back then.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXXXXXX 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

Here we go again! 
After numerous letters to creditors and credit bureaus both info furnishers ( creditors and info colletors ( credit bureaus ) still denying me my rights under FCRA 611 ( 15 U.S.C. 1681I ). 
Several times l called Creditors, l was told numerous times that name I'm giving does not match their record, therefore, they can not talk to me about the listed accounts below. 
Wrote letters it was returned undeliverables ( please see attached ) Wrote several letters of dispute to TransUnion Credit Bureau and XXXX  to no avail l was told several times that creditors provided certify copies that the following accounts belong to me. TransUnion and XXXX  refused to provide me the proofs of said certification or methods of disputes under FCRA 611. 
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 Some of these accounts are business account that has no RELATIONS to me, and some of these accounts are under XXXX XXXX XXXX this not my name My right name is XXXX XXXX Wishes XXXX resolves this matter asap for me the environs of business favoritism embolden TransUnion and XXXX  to care less about little MAN like me. 

Notion that an enterprise like ( TransUnion and XXXX  ) can just reports whatever without consequences is insane. 

Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

All XXXX of the credit bureaus have different information on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Request for Investigation of Unauthorized Inquiries I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed several unauthorized inquiry had been made. 

I contacted the creditor, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I was informed from the creditor to dispute the hard inquire with the credit bureau. 

I request that you initiate an investigation into the below Hard Inquires listed from creditors I did not approve to inquire a hard inquire. I am requesting the following hard inquires be deleted from my credit report due to non authorized hard inquire. inquiry on my credit report to determine who authorized the inquiry. 

Please delete the following account due to non authorize hard inquire : Alert Date XX/XX/XXXX Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX   XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Department & Variety Stores ( XXXX ) XXXX