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

In XXXX 2023 I received a promotion for a XXXX XXXX XXXX Credit Card from XXXX XXXX XXXX applied for during that same month. The promotion was that if I signed up for the card and met the {$5000.00} spend, I would receive $ XXXX XXXX Award miles AND XXXX XXXX  ( Premier Qualifying Points ). 

After meeting the spend withing the first month, I was eventually awarded the award miles, but I never received the XXXX XXXX. In XXXX I called XXXX to inquire about this who passed me to Chase card services. Chase told me that she saw the application on my account and that she would get.it fixed for me no problem. In XXXX, I received a notice from Chase that they denied my promotion correction request. I called again and this time spoke with a XXXX that told me that while he did see the promotion and that I did meet the required spend and applied during the correct time, that they would not be able to get me the promotion because I didn't 'qualify ' for it despite them sending me a mailer. He told me that I could continue to fight it with Chase and end up with no benefit, or he could give me XXXX XXXX  instead and end the dispute. I opted to end the dispute so I didn't have to keep wasting time with Chase on this issue. 

In XX/XX/2023, I received a letter from Chase that they denied my XXXX XXXX  promotion. 

Also in XX/XX/2023 ( today ) I found a reddit thread on reddit.com/r/unitedairlines that someone else was also having this exact same issue with them being denied the promotion and a full thread of people who said the same thing. It was recommended that we file a complaint with the CFPB to help us with this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

XXXX5 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: Credit card

This is a follow up to my earlier complaint I filed back on XX/XX/2017 Case number ( XXXX ) I was told on XX/XX/XXXX by XXXX that my coordinator could resubmit this application for a Government CC and XXXX would go ahead and process it. My coordinator followed the normal steps and sent everything to the Attention of XXXX and left a few voicemails as well but no calls were returned. Then on XX/XX/2017, she was given notice again that my request is denied due to me already having an opened account. I was also told by XXXX, that a XXXX would have to fix the old card issue as it is considered identity theft and he works on that issue. I called XXXX twice but no call has been returned. 
I am so frustrated by the misinformation and XXXX I am having to go through for something that happened over 24 years ago by some company I have never heard of. Ive read that US bank was ordered to pay millions to consumers for bad dealings by your agency, ( CFPB ), yet I ca n't get them to release my name and SSN from a false account from over 245 years ago. Where is my justice and how do I get this matter resolved? 
XXXX
Product: Credit reporting or other personal consumer reports

I was informed that my personal information was exposed under a security data breach and have since noticed erroneous entries on my personal credit report that were placed there without my consent. The false and erroneous entries are from the following companies : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Since I began my dispute process with Equifax I had to verify my identity which I did as to the protocol of the CRA 's. Since I have verified my identity I have been getting regular responses from Equifax. This time however they sent me a letter asking me to verify my identity again. Equifax has violated various law that 's in the FCRA and I need help in getting Equifax to follow the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

he class action multi state settlement includes my loan repossession I have called XXXX XXXX attorney generals office for both the state I reside and sate I resided at the time. The settlement administrator I get ran through circles and told I just have to wait no timeline given. Currently trying to obtain a mortgage and this is XXXX on my credit. I have been trying to get a resolution for weeks and its so frustrating and disheartening. I have obtained a copy of the judgment to attach to this if I dont qualify for the deficiency wavier I would atleast like an explanation as to why.
Product: Checking or savings account

We opened a new Checking account at Chase Bank at Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX There was a promotion that would give us {$750.00} if we completed all the required steps. 

We completed all the steps. Chase bank closed our account instead of paying us {$750.00}.
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. 
XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX The above accounts have violated my rights according to 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 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. This needs to be removed immediately.
Product: Debt collection

On XX/XX/22 I called the company and talked to someone and explained that I did not know what the account on my credit was and that it must not have been mine. They said that they would send proof to me via email in the next day. On XX/XX/22, I called again because I had not received proof. They then told me that it was actually coming in the mail. They also told me that there would likely not be any real proof because it was an online loan and that essentially anyone who had my social security number, name, and address could open a loan in my name. I got the documents in the mail about XXXX weeks later and there was no signature or anything other than basic information included in the documents. They told me in our phone conversation that the information provided was the only information needed to prove that I was the one who opened the account. The account was paid at some point, but I have never paid the account, nor have I ever heard of either company associated with the account. I also asked them why the account still shows as an open collection on my credit if someone paid it and they said that it was just the way they did things. The account has shown a XXXX balance for at least a year but they refuse to close it.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Bankruptcy XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote a letter toCapital One as requested from all three credit bureaus after disputing a Capital One inquiry, I was told to contact the furnisher of the inquiry. 
On XX/XX/XXXX I certified a letter asking for Capital One to provide a application letter giving my consent or permission to check my credit. 

On XX/XX/XXXX I filed a CFPB complaint XXXX, with proof I contacted this company for this purpose. 

Capital One responded on XX/XX/XXXX With references to other companies in their response without having a consent form or a application from these so called companys which should show my signature giving Capital One or these specific companies named in their statement permission. 

Capital One Can Not Provide These Documents.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) and ( 15 USC 1681b ( a ) ( 2 ) ) that the XXXX, Transunion and XXXX along with all applicable furnishers receiving this notice, 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 multiple accounts I did not authorize or give express written consent to be reported on my consumer report. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts in question along with a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

Accounts/Numbers 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 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 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 Inquiry- XXXX Inquiry- XXXX XXXX Inquiry- XXXX XXXX  Public Record- XXXX  XXXX bankruptcy discharged
Product: Checking or savings account

Yes .. Bank of America Customer Service Dept .. ABSOLUTELY ATROCIOUS .. after I complained to a manager .. they started retaliatory behavior against me .. 

Not sending me new debit cards on time .. or AT ALL!! This happened on at least three to four occasions The Claims Dept .. putting false information in my info file with Bank of America They noted in file when I called claims dept on XX/XX/2018 that they called me on XX/XX/2018 at XXXX XXXX  .. at : 1 ) OLD PHONE NUMBER OF XXXX XXXX XXXX .. WHICH I HAVE NOT HAD IN A COUPLE OF MONTHS AT LEAST AND I UPDATED ALL INFO WITH BANK OF AMERICA PROMPTLY!! 

2 ) NOTED ALSO THAT THEY CALLED MY NEW UPDATED CELL NUMBER ON THIS DATE .. I HAVE PHONE RECORDS FROM MY CARRIER .. NO CALLS!!! 



THIS IS FRAUD!!!!!!!! 

IF THIS RETALIATORY BEHAVIOR DOES NOT IMMEDIATELY CEASE AND DESIST I WILL BE FILING LAWSUIT!!! 


ADDITIONALLY, I JUST NOTED THAT I HAVE A {$35.00} FEE " SUDDENLY '' ADDED ON TO MY ACCOUNT .. YET I HAVE OVERDRAFT PROTECTION XXXX THEY KEEP MESSING WITH ME IF THIS IS NOT DEALT WITH ASAP. ... .. L A W S U I T!!!! 


ALSO .. GIVEN COMPLETELY FALSE, ERRONEOUS INFORMATION FROM THE BANK OF AMERICA ON XXXX XXXX IN XXXX, MD WHEN I OPENED ADDITIONAL CHECKING AND SAVINGS ACCOUNT .. THEY " ASSURED '' ME NO FEES FOR THE SECOND CHECKING ACCOUNT AND THE SAVINGS ACCOUNT! 

WELL THAT WAS A JOKE!! I AM TIRED OF THIS FRAUD AND RETALIATIORY BEHAVIOR .. 

ONE MORE INCIDENT .. L A W S U I T!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am looking over my credit report and for the past few months XXXX  is the only company that show 's my XXXX 's card that I am on. The issue here is the other credit reporting services are not reporting my accurate information. I have spoken to them on the phone as well as XXXX 's. I have provided a screen shot of XXXX  showing I have a barclay 's account with a XXXX balance. I am trying to get my credit utilization under 30 % and them not updating the accurate information is becoming a problem. If anyone has any questions please feel free to call you. Looking to get everything up to date as soon as possible. I understand with everything going on In the world that things take longer but I have waited a few months now and nothing has changed. Hopefully you can be of help and we can resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 16811 - XXXX, XXXX AND EQUIFAX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS AND DELETE UNKNOWN INQURIES- VIOLATIONS OF THE FAIR CREDIT ACT
Product: Debt collection

Complaint number XXXX XXXX XXXX XXXX XXXX XXXX Owned the debt and Transworld Systems which told me they owned this account since XXXX and they are going to destroy my credit and file a lawsuit against me. Im XXXX and appalled how does two debt collectors have this debt, that's illegal they called me multiple times on XX/XX/XXXX for an account that is from the end of XXXX they called from XXXX twice at XXXX and XXXX XXXX  I called back at XXXX trans world systems told me my ssn and address and threatened me that they are going to take away my XXXX check and would ruin my credit! So how do they now have the power to do this? complaint XXXX at the bottom of this that I filed so how does trans world own this account? How can they take away my XXXX and threaten to ruin my credit which I need for my XXXX XXXX XXXX are they going to take away my XXXX? Im working on retaining another lawyer so I can sue them for making my XXXX XXXX, XXXX and my XXXX XXXX XXXX worsen from all this stress! Since the are going to take my XXXX away Ill just stop wearing my XXXX XXXX XXXX since they are going to take it away maybe Ill just pass away in my sleep and no one will get anything! Tired of being harassed about this! All these large corporations received money for COVID I lost my company and now on XXXX I didnt get compensation! Now just harassed!! 

Its a XXXX debt from XXXX that the collection company keeps renewing the dates on the collections and now have pushed it to XX/XX/XXXX which is illegal in The Florida statute of limitations on debt collection for written contracts and promissory notes is five years. Oral contracts and open-ended accounts ( including credit cards ) Florida statute of limitations on debt collection is four years. they keep renewing and pushing the date out and continue to destroy my credit which is illegal in the state of Florida! I have contacted an attorney he has told me to publish this with CFPB as he knows Im a XXXX Veteran with a XXXX, so XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I tried to submit a collection dispute on the Equifax website several times, and even though I was able to submit the dispute they would not allow me to attach supporting documents for the dispute and their additional information box was only limited so I could not further explain my dispute. I had to submit the dispute without this documentation and I believe they will not properly investigate without this information. They did not give any other way to submit the information for the dispute.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( XXXX Acct # XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I always received paper statements for XXXX years, and in XX/XX/2022, I did not receive my paper statement, so I was late with my payment, first time EVER! After several calls they credited late fee but they didn't tell me they were charging a trailing interest, which I never heard of, that totalled {$100.00}, and they won't credit it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. THERE WERE ACCOUNTS AND INQUIRIES THAT DID NOT BELONG TO ME. PLEASE INVESTIGATE AND REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT.
Product: Mortgage

I recently became XXXX and got behind on my mortgage payments, XX/XX/XXXX I had a face to face meeting with the president of habitat in my home in which he sent me an email on XXXX XXXX to tell me what amount to pay for the mortgage since they had XXXX different amounts, then when I got some money in XXXX XXXX I sent in 8 payments in the amount of {$380.00} to catch up and become current on my payments .The XXXX XXXX XXXX XXXX XXXX after 10 years took the money, dispersed it the way they wanted to and claimed I still owed back mortgage payments and is now threatening foreclosure on my home, I was informed of this through an email on XX/XX/XXXX, but was n't aware of any letter from the event! I was n't notified until I got a hold of the attorney on XX/XX/XXXX and then received certified copies on XX/XX/XXXX because the attorney sent it to an old p o box that he knew I no longer had as of 8 years ago! They are going to leave my XXXX year old daughter and her XXXX mother homeless, we have no place to go! They did give me a chance to sell it, but I was told I would get the equity out of it and they would keep the remaining amount, including any profit from the sale, now I did n't think that a non-profit organization could make and keep a profit off of a foreclosure sale of a XXXX XXXX home after 10 years? Maybe I 'm wrong, but it 's not right! Please help?? They have n't even given me a loan modification or forebearance? XXXX XXXX XXXX is suppose to stand for helping family 's in need not putting them on the street?
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : XXXX XXXX XXXX XXXX XXXX has been verified that the account they are reporting under my name is inaccurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. If this cant be provided, please remove this account off my credit report. I would greatly appreciate it. Any automated response, or e-Oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Under 15 usc 1681b- permissible purpose of consumer reports ( a ) in general, subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances & no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Cc : Consumer Financial Protection Bureau XXXX : Attorney General 's Office Cc : XXXX XXXX XXXX