23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Product: Credit reporting or other personal consumer reports

Dear Equifax, According to 15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I demand a deletion of all personal identifiable information from my consumer credit report except for : Name : Address : Date of Birth : SSN : Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. Delete all phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please update and delete all requested personal information. 
Best Regards, XXXX XXXX XXXX
Product: Credit card

Chase Bank has refused to accept my payment for my credit card. It is due on XXXX/XXXX/2015 and I tried for three days to pay it. I attempted this via phone and online and was refused. Also, a rude branch representative named XXXX refused my payment and told me to " deal with bill collectors ''. 

I did more than enough to try and pay my bill in full. Chase is circumventing my efforts and is orchestrating this situation so that I incur finance charges. They are making me miss my payment due date, which will harm my pristine credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent numerous of certified letters to Experian regarding unauthorized inquiries and unverified and unvalidated accounts. The following inquiries were not authorized by me : XXXX the following accounts have been disputed and no information regarding these accounts being validated has been provided to me ; therefore, they need to be immediately deleted from my fille : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting a mortgage to my credit that isn't mine. I have a mixed file and this mortgage belongs to someone else. This is preventing me from being able to buy an investment property and I need it removed. The only bureau reporting it is TransUnion.
Product: Credit card or prepaid card

Attention : CFPB  Re : AMEX BLUE FOR BUSINESS   XXXX  Back in  XXXX ,  Am  ex Blue  ran a promotion that offered  XXXX  points after first purchase and  XXXX  for the first {$2000.00} spent in restaurants in the first 6 months. I was not familiar with this card initially but when I saw the generous offer advertised online, I applied for it and eventually got approved. For the past  XXXX  months, I had been spending a lot of money towards restaurants ( almost {$1 000.00} ) w ith the intention of maximizing this bonus. A few weeks ago, I decided to check my profile to monitor the bonus that I had received so far. To my dismay, I learned that I was not getting the restaurant bonus I expected to receive. I made a total of  XXXX  attempts to rectify the issue, including requesting for the case to be escalated and explaining to a supervisor my concern. All attempts have been futile.  AMEX  kept on telling me that I applied for an inferior bonus, which only provides  XXXX  after the first spend. I had tried to explain where I am coming from.   a. First off, why would I, with my intact judgment, apply for a much inferior bonus? I know the credit card that I applied for. I would not have applied for this credit card and risk impacting my  XXXX   XXXX  if I were only getting the  XXXX  bonus. It was just not worth it. However, with the generous bonus, I felt compelled to sign up.   b. If I applied for the inferior bonus of  XXXX  after the first spend, why did I continue to spend a lot of money the next  XXXX  months in restaurants? I could have easily just bought a bottle of water, get the bonus, and sock away the card. My spending behavior points to the fact that I was under the impression that I am getting the  XXXX  points/dollar in restaurant spend because that was the credit card I applied for. I have a few other credit cards that would have given me a restaurant bonus but I still chose to use this card.   c. I applied for this credit card during the promotion period, which ran until the end of  XXXX . As I had mentioned, I am not familiar with this card and had no idea they offered multiple versions. I know for a fact that I applied for the generous bonus because I would not have done it if I were only receiving the paltry  XXXX  points after the first spend, when there are other superior offers available out there.   d. I have been applying for credit cards for many years. I know what I applied for. I have no idea what happened with my application but  AMEX  kept on telling me I applied for the same credit card with a significantly inferior bonus. That was so difficult to understand, but evidently, something occurred that was beyond my control between my online application and the system that approved it.   e. I will not be devoting so much time, calling 3 times and writing this letter advocating for this cause if it were not the right thing to do.   Thank you so much for protecting us, CFPB.
Product: Money transfer, virtual currency, or money service

Cash App has closed my account and stated that I violated their Terms of Service, but they have not provided any specific details or evidence of the alleged violation. In their email, they explicitly stated that I am " not eligible to appeal '' the account closure and provided no further recourse or explanation.

I have repeatedly asked for clarification about : The specific clause ( s ) of their Terms of Service I allegedly violated.

Evidence or documentation supporting their claim.

Any process to appeal the closure or dispute the decision.

Despite my requests, Cash App has refused to provide transparency, leaving me unable to address or rectify the issue. This lack of communication and accountability has severely impacted my ability to manage my funds and undermines fair treatment for consumers.

Consumer Rights Violated : Fair Credit Reporting Act ( FCRA ) : As a consumer, I have the right to transparency when decisions affect my access to financial services.

Electronic Funds Transfer Act ( EFTA ) : I am entitled to access my funds and have a clear understanding of any actions affecting my account.

Unfair and Deceptive Acts and Practices ( UDAP ) : Refusing to provide specific reasons for account closure or allowing an appeal process constitutes unfair treatment.

Resolution Sought : A detailed explanation of the alleged violation, including the specific clause ( s ) of the Terms of Service that were violated.

Evidence or documentation supporting their claims.

Immediate access to all funds in my account, including Bitcoin or stock holdings, without restrictions.

Implementation of a transparent process for account closures and appeals for all Cash App users.

This lack of transparency and refusal to communicate violates basic consumer rights, and I am seeking CFPB 's intervention to resolve this issue promptly.
Product: Credit card

My husband and I each have American Express cards. 
We were both offered a promotion and we both accepted the promotion. 
The promotion was to each receive a {$50.00} statement credit when and if each of us was to make purchases at XXXX branded hotels of {$250.00} or more. 
My husband received his {$50.00} credit immediately and I have not received anything. 
I participated in an online chat with an American Express agent which took the better part of a half hour but got absolutely nowhere. 

Here is the offer that EACH OF OUR CARDS received : y Expires XX/XX/year> Redeem Now Details Earn a one-time {$50.00} statement credit after using your enrolled eligible Card to spend a minimum of {$250.00} USD in one or more purchases on room rate and room charges at participating XXXX XXXX XXXX in the U.S. and U.S. territories , the XXXX, XXXX and XXXX from XX/XX/year> to XX/XX/year>. See terms. 
View Merchant Website Offer Terms Eligibility and Enrollment Enrollment is limited. Eligible Card Members must first add offer to Card and then use same Card for qualifying spend. Only US-issued American Express Cards are eligible.

Limit of 1 statement credit per eligible Card Member account. If the Card Account is canceled or past due, it may not qualify to receive a statement credit. 
Qualifying Purchases Offer valid only on room rate and room charges at participating XXXX XXXX properties in the XXXX and XXXX territories, the XXXX, XXXX and XXXX. Reservations must be made online at XXXX, via the XXXX XXXX XXXX or by calling XXXX. Excludes The XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXXXXXX XXXX and XXXX. Excludes gift card purchases. Not valid for online retail purchases, hotel amenities, or purchases of XXXX XXXX points. Qualifying purchase means a purchase at a participating XXXX XXXX property made during the offer period with your enrolled American Express Card and which is in an amount totaling at least {$250.00} USD as posted to your account, following conversion from a foreign currency, if applicable, in accordance with your Cardmember Agreement. Offer not valid for lodging stays that are paid for before the promotion start date or after the promotion end date. 
Offer only valid on purchases made directly with the merchant. Offer not valid on purchases made using third parties, such as resellers, delivery services, or other intermediaries.

Statement Credit Please allow 90-days after XX/XX/year> for the statement credit ( XXXX ) to be posted to the Account, provided that American Express receives information from the merchant about your qualifying purchase. 
Participation in Amex Offers is subject to Amex Offers Program Terms. 
POID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay my bill on time it is not being reported on time .I 'm still seeing a balnce that was already paid .This makes it look like I have a High Balance. I don't understand why that is .I have had this card for 5 years and the same thing keeps happening. Can someone please ask Walmart WHY is THAT, I'm trying to buy a home and it looks like I have a High balance. For 3 months they have NOT sent the CORRECT info
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax should not be reporting the XXXX XXXXXXXX XXXX partial account number XXXX on my credit report. I never received any bill from XXXX XXXXXXXX XXXX I contacted the bank and they informed me that I enrolled in paperless statements and I never enrolled in paperless statements and therefore was not aware that this account existed and any payment was due. XXXX has removed this item completely and is reporting correctly. Please remove this line item from Equifax. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries on my credit report that I do not recognize. I never applied to these companies, nor did I give consent for them to access my credit file. This situation is deeply concerning and causing me unnecessary stress and anxiety.
Product: Debt collection

I was never properly educated on being able to dispute my debt on a credit card through XXXX XXXX XXXXXXXX. I also was moving during the time of making these purchases, and I believe they were sending notices to the wrong address until they realized I moved. 
It is slightly over {$4000.00}. Ive been able to pay off some of it but its impractical for me to be able to pay it all off with other bills when I couldve disputed it, if made aware. I am a low income adult.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to file disputes and have information on my credit reports updated to reflect the current status, account balances, etc. of various accounts on my credit. Each time I attempt to file a dispute the companies decline to update my information to reflect accurate information. The following is accurate. 

On XXXX I contacted XXXX, a credit card company, and found out that my account had been charged off. They provided me with contact information for XXXX XXXX, the company that now had my account. On XXXX I spoke with a representative and paid the account in full, as agreed per the settlement offered. Attached is a recent shot of my bank account showing this debit from my account. 

On XXXX I contacted XXXX, a credit card company, and found out that my account had been charged off. They provided me with contact information for XXXX, the company that now had my account. On XXXX I spoke with a representative and paid the account in full, as agreed per the settlement offered. Attached is a recent shot of my bank account showing this debit from my account. 

On XXXX I contacted XXXX XXXX XXXX. They informed me that I had a collection account for XXXX XXXX  company ( a past-due bill ). I paid the balance, per the settlement agreement in full. 

On XXXX I contacted XXXX XXXX XXXX XXXX company. They informed me that I had a collection account for XXXX. I paid the balance, per the settlement agreement in full.
Product: Credit card or prepaid card

Bank of America had allowed my information to be obtained and used in California. The failed to give me my benefits in a timely manner during the pandemic. I was evicted when my power was disconnected during XX/XX/2020 because the froze my account for almost 5 months with no reason, or warning!! They are still sitting on my funds even after it had been confirmed my account was listed as an account take over. I have lost everything and everyone I love as a direct result of bank of Americas neglect! I have called and called. I have went into a bank of America branches where I was told they couldn't help me!! please help me get my funds.
Product: Credit card or prepaid card

Capital One keeps changing the statement date from the XXXX  of the month till now the XXXX  of the month, but not giving the allowed grace period to pay the balance, always the pay date is on the XXXX  of each month, every month is shortening the grace period agreed when account was opened.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX -- Inquiries -- XXXX XX/XX/XXXX XXXX XX/XX/XXXX : XXXX  - XX/XX/XXXX :
Product: Mortgage

1 ) The mortgage servicer PHH Mortgage formerly Ocwen Loan Servicing, LLC had accepted and confirmed the submission for XXXX XXXX XXXX loan modification file on XX/XX/XXXX. 

2 ) PHH Mortgage formerly Ocwen Loan Servicing, LLC approved the trial modification on XX/XX/XXXX. XXXX XXXX made an completed all three trial payments dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Ocwen Loan Servicing, LLC, currently PHH Mortgage did not send the final modification agreement ; however, XXXX XXXX always continued to make his payment with fail. 

3 ) PHH Mortgage, formerly Ocwen Loan Servicing, LLC realized in late XX/XX/XXXX that the final modification was not delivered to XXXX XXXX. PHH Mortgage allegedly then issued the final modification agreement in late XXXX and asked for XXXX XXXX to send back immediately. The modification agreement was not delivered within the time requested for document to be returned. Instead XXXX XXXX received agreement in mid to late XXXX. Upon receiving XXXX XXXX then called PHH Mortgage, and explained the situation. PHH Mortgage representative XXXX id # XXXX confirmed with XXXX XXXX that they would accept the final signed agreement because of the mix up and he would have no further problems. 

XXXX XXXX XXXX XXXX returned agreement as instructed and continued to make scheduled payment. However, PHH Mortgage cancelled the modification because, documents were not received per date on agreement ; and set a scheduled sale date. Although PHH Mortgage representative confirmed agreement would be accepted, as it was no fault of XXXX XXXX for the delayed return. 

5 ) When XXXX XXXX contested PHH Mortgage actions his funds were returned, and PHH has continued to push the sale date of XX/XX/XXXX. 

6 ) PHH Mortgage stated they would review and except Final modification once again ; however what PHH Mortgage did was place a new sale date in system for XX/XX/XXXX. 

7 ) PHH Mortgage waited until XX/XX/XXXX to once again deny the Final Modification previously signed and executed correctly. PHH Mortgage did this to keep the position of foreclosure sale date in place for XX/XX/XXXX. 

8 ) PHH Mortgage then suggested to send in new RMA application which they were going to fax and never did. PHH Mortgage stated they would postpone sale date due to the errors on this file ; confirmed by Customer Relations team agent XXXX ID # XXXX of PHH Mortgage. PHH Mortgage has not suspended or postponed sale date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with a XXXX representative by phone to update inaccurate personal information and dispute unauthorized inquiries on a my credit report. I was told that the inaccurate information would be removed, to include name, addresses, telephone numbers and employment information. During the same telephone call, I inquired about what needed to be done to remove unauthorized inquiries as a FRAUD ALERT should have been on my files AND I never received a call from anyone inquiring about an offer to extend credit.. While there was no clear answer to the question, the rep took all the information in regards to the accounts that were unauthorized so I was under the impression that ALL of the requested information was being updated during the call. I was told that I could call back after 24 hours with the provided confirmation number and check the status. I called back after 48 hours and kept receiving an error message.
Several days later I received mail that appeared to be the result of XXXX verifying that all of the
requested information was valid. I later even received an alert notifying me that the incorrect employer that I requested to be removed WAS added to another credit reporting agencies report. How was XXXX able to verify that the information was valid in 2-3 days? If there was ( like I was told there was ) a fraud alert on my account, how were the inquiries able to be made? I feel like this inaccurate information is affecting my ability to obtain free credit reports as well as obtaining credit in general. I am requesting this to be rectified immediately as I would like to be a creditworthy individual.
Product: Debt collection

As for today I have disputed this alleged debt with this creditor Caine & weiner company to investigate this alleged debt inwhich they claimed to valid this debt of XXXX dollars I asked in reply to their investigation for a method of validation of debt on which a bill was sent back as validation only to have the wrong amount on the bill as of XXXX dollars I replied to reinvestigate this matter in the meantime delete this account inwhich it was twice and as of today put back on my report despite the inaccurate information
Product: Checking or savings account

I do not recall opening an account with PNC Bank in or around XX/XX/2016 for the amount of {$770.00}. The bank put my on a negative XXXX list and it makes it difficult to open a bank account with other institutions. I believe I was the victim of identity theft as there have been many credit breaches within the last ten years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent in a dispute of late payments on my credit reports to Kay jewelers. Since then, I have gotten 3 letters from Sterling Jewelers with different ticket numbers saying they need my full security Social Security number, my date of birth, and my previous address if I have recently moved. Although all that information was on my original letter, I did respond with the information they asked for on XX/XX/XXXX. I am still getting letters from them most recently on XX/XX/XXXX. I am quite confused about these 3 responses asking for the same information which has been given to them and wonder if they can even find my account. In addition, they have also sent me records of another persons credit history with them accidentally sent to me. This is a violation of all aspects I can imagine. 
My original dispute was of late payments not correct. My account was paid off and I did not agree with late payments on certain dates. At this point I have not been furnihsed any information for the account I am disputing and it has been well over 90 days.
Product: Debt collection

Already filed a complaint against the company and the agreed to cease and desist, file # XXXX with the cfpb. They are now using another family memeber s name to try to collect the same fraudulent debt.
Product: Credit reporting or other personal consumer reports

COMPANIES tried to run my credit with out my authorization please remove inquiries
Product: Checking or savings account

I hold a checking account with First Tech Federal Credit Union with a running balance of {$7000.00}, to which I made a XXXX deposit of {$6800.00} and two XXXX  credit card payments of {$4200.00} and {$4600.00}, all ACH transfers. All three transactions posted to my account on XX/XX/XXXX. Because First Tech FCU 's processing systems chose to post the debits to my account before the credit, they returned the second XXXX payment unpaid, incurring a {$33.00} " return item fee '' to my account. This has happened once before in my multi year tenure with the bank, however they were able to reverse the fee upon request as it was a similar issue. This time however, even when I escalated the issue to a supervisor for review, they refused to reverse the fee, saying that in XX/XX/2020 they have increased their " return item fee '' by {$5.00} and also became more strict on not reversing them. They neglected to address the issue that their system could've posted the credit first, but did not. 

The bank charges me nothing when a debit card transaction is declined, because I have opted out of " overdraft protection ''. However an ACH decline, which is just as free for the bank to process, incurs an exorbitant {$33.00} penalty. This needs to stop.