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

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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 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
Product: Debt collection

This is not my debt and I never even received a debt collection letter. I received an electronic notification from XXXX XXXX that this collection agency added a delinquent account to my credit reports. 

I want this company to produce ALL information, contracts with my signature, account summary from the original creditor, information showing the date this account became delinquent, and the date this account was originally placed for collection.
Product: Credit card or prepaid card

I signed up for the Chase United Airlines XXXX Credit card through XXXX The chase website stated that upon approval, i would receive 75,000 united miles after spending 3000 $ within the first 3 months. Upon approval of the card, Chase stated that the promotion actually requires a spend of 5000 $ within the first 3 months. My husband and I are both having the same issue. He opened a case, and escalated it to the appropriate department, provided website addresses, and even had the agent who opened the case go onto the website address provided, and confirm that the website does in fact state the 3000 $ spend amount. The website also stated an expiration date of the promotion of a month after the application date. After 4 weeks, he was told that ours offers are still 75,000 points after 5000 $ and there is nothing they can do about it. I have screen shots which i had taken during both our applications for documentation. Chase bank also has a recording of the agent who opened my complaint confirming that the website was indeed showing the wrong information. 

He filed a case with the CFPB last week, and was told by the chase executive team member XXXX ( extension XXXX ) that I would need to file a seperate claim in order to have this investigated. I am therefore filing a claim for the same situation. Feel free to pass this claim along to XXXX in order to same time.
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX, I made a purchase with XXXX for {$1200.00}. this purchase included a 3-night hotel stay and 4 airline tickets for a direct flight from XXXX, XXXX XXXX to XXXX XXXX, XXXX XXXX. I paid about {$150.00} more per ticket so that I would have a 50 minute direct flight due to my sisters medical condition. No one ever notified me about the cancelled direct flight. When I arrived to the airport they told me that my flight never existed. ( So I basically paid for an imaginary flight ) Then they told me that they notified me in XXXX. And rudely said sorry and offered me to send me out of state and then back to XXXX XXXX. Mind you I paid for a direct flight that was going to take 50 minutes. I spend hours waiting, and completely ruined my vacation trip and this flight that was supposed to take 50 minutes took 7 hours. I contacted XXXX and XXXX both gave me the run around and lied about the times they supposedly notified me of the cancelation. and rudely told me they could n't help me. I felt completely hopeless and contacted my credit card company since I felt confident they could help me. I have provided them with everything and all proof I have. They have closed my investigation and told me there is nothing they can do and to contact XXXX who never wanted to help me in the first place. I have provided them with all the proof, flight that was booked, new flight tickets that they gave me because they did provide me with a flight, but they never returned the extra money I paid for a direct flight. My argument here is that I paid extra for a direct flight and I did not get a direct flight. I paid extra for a 50 minute flight due to medical conditions and this was not honored. I want the difference I paid for the direct flight. At this point I appreciate any monetary help because {$1200.00} is a lot of money and I incurred medication expense costs because of the anxiety this brought to my sister for flying for 3 hours.
Product: Credit reporting or other personal consumer reports

I recently made a complaint about experian reporting inaccurate information on my report. XXXX removed everything from my report as ask. TRANSUNION AND XXXX have been illegally reporting information on my credit report and I need them all to be removed. I have made an address change and everything and collections and inquiries are still not removed but have been removed completely from experian. They need to be removed from XXXX and transunion as well asap. Below is proof that it was removed from XXXX  but not the other two
Product: Checking or savings account

Dear sir or madam, Summary : I have been with Schwab for 5 over years, but they gave me less than a month to transfer my retirement, brokerage, checking, and savings accounts before they close them and mail me check triggering unwanted early withdrawals and taxes.
Details : I am US citizen residing in North Carolina. Currently, I am overseas on a long-term work assignment. Earlier this month XXXX XXXXXXXX XXXX XXXX  sent a letter to me informing that they were closing all my accounts including Roth IRA, Regular Brokerage, Checking, and Savings by XXXX XXXX. Thus, the notice was mailed less than a month in advance. I did n't receive it until XXXX XXXX because I am overseas. I did not receive any other notifications from Schwab regarding this even though I am subscribed to receive e-mail notifications and all my statements only electronically. Additionally, I have Schwab mobile app installed on my cell phone. Their mobile app notifies me of most actions on my account, but I received no notification about these account closings.
Given the short time I had left, I started looking for other brokerage and bank firms to manage my Roth IRA, brokerage, and bank account assets in order to transfer them from Schwab as soon as possible. By the end of the XXXX of XXXX, I managed to initiate the transfer of my Roth IRA and found where to transfer my assets from my other Schwab accounts.
One problem was that my North Carolina state tax refund was still processing. NC department of revenue needed about 4 more weeks to finalize and deposit my refund. The refund amount is almost {$2000.00}. Mailing the check is not a good option for me because I am overseas without a permanent address. I called Schwab, explained the situation, and asked if they could keep my checking account open for 4 more weeks. I spoke with 2 different representatives. Both said they could not do it.
When I logged on to my Schwab account on XXXX XXXX, my accounts were restricted. Even though the letter from XXXX said that I could transfer my assets until XXXX/XXXX/XXXX that was not the case. I could not transfer my balance ( over {$10000.00} USD XXXX to my linked account with another institution. 

Sincerely, XXXX XXXX XXXX. 
A copy of the body of Schwab 's letter is attached to this complaint. I have the original if required.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 major credit reporting agencies failed to provide me with the requested physical documentation I've demanded previously but instead still abusing their authority by continuing to report the following fraudulent accounts inwhich I'm demanding be removed. 

1. XXXX XXXX {$560.00} 2. XXXX  {$4700.00} 3. XXXX XXXX 4. XXXX XXXX XXXX {$5200.00}
Product: Credit reporting or other personal consumer reports

Per code 15 USC 1681 b & 15 USC 1681s-2 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my second attempt Ive lost XXXX XXXX XXXX XXXX  high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!!
Product: Checking or savings account

I opened a checking account with Citibank on XX/XX/year>, and subsequently deposited {$6100.00} to this account through what Citi called as " Enhanced XXXX XXXX ''. Citibank promised a {$450.00} dollar opening bonus following at least {$6000.00} of such deposit. 

On XX/XX/year>, Citibank abruptly closed my account and terminated all my online banking access, citing that they are " unable to verify recent account activity '' on my account. I have called Citibank multiple times through their contact numbers but the customer representatives consistently failed to provide me with a solution to withdraw my funds from the closed account. I have visited the Citibank branch at XXXX XXXX XXXX XXXX, XXXX, VA XXXX, on XX/XX/XXXX, and I was told by the representative that my fund will be mailed to me through a paper check within ten days. However, as of XX/XX/year>, I have never received anything from Citibank. I would like the CFPB to urge Citibank to immediately refund my deposit from the closed account, as well as the {$450.00} opening bonus as Citibank promised when I opened the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a late payment on XXXX/XXXX XXXX card XXXX I have called XXXX XXXX and this is not accurate the account has never been late ever. How can Equifax report such inaccurate data? I need some help
Product: Credit reporting, credit repair services, or other personal consumer reports

When the credit agency deleted the fraud address, they should have also deleted the fraudelant accounts associated with the address. CREDIT AGENCY is reporting the wrong address on my credit report, it is a fraudulent address listed as ( XXXX XXXX XXXX XXXX XXXX XXXX ) that is wrong. They are also reporting a fraud account on my report from XXXX XXXX XXXX Thats associated with that fraud address. Correct my address and remove the fraudulent address from my reports. Remove the Fraudulent account associated with that address as well, XXXX XXXX XXXX Opened XX/XX/XXXX This is not my account. My CORRECT address is, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX FRAUD ACCOUNTS ( ASSOCIATED WITH FRAUD ADDRESS ) XXXX XXXX  {$2000.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$830.00} Closed XXXX/XXXX Closed : XX/XX/XXXX {$760.00} Closed XXXX XXXX XXXX/XXXX  XXXX Closed : XX/XX/XXXX {$160.00} Closed XXXX/XXXX. 
XXXX XXXX XXXX.
Product: Credit card or prepaid card

My Target MasterCard credit limit was decreased by {$2500.00}. The card company stated that it was sue to lack of length of credit established ( 11 years ), percent of accounts with severe delinquency ( I have none ), Too many delinquent accounts in 6 months ( there have been none delinquent ), insufficient use of card, I have been using this card for the past 2 years. I did miss my XX/XX/XXXX payment and upon realizing it I immediately made the payment. The same day that I made the payment this is what the company did. This caused my credit score to drop XXXX points and has caused major stress on my financial future. After reviewing my credit report, I have found the statements for their actions incorrect. Upon calling the company, I was told that a dispute would be filed, and I would get an answer within 30 days. I do not feel that this is acceptable, nor do I feel that I was treated with dignity for accidently missing ONE payment!
Product: Credit card

On XX/XX/year> i.called wells fargo to make a credit card payment. I was recieved by a foreign customer care center. The individual i spoke to had very thick accent. Being a victim of several scams implemented by whant sounded like the same foreign persons I immediately asked to be transferred to an american representative wich wes with in wells fargos power. I was then transferred to another foreign person with a very thick accent. Again, I was immediately concerned I had reached a scammer. I politely asked what state he was from just to verify. I was immediately met with a very rude remark and promptly hung up on. This happened XXXX more times! After hours of waiting and calling back and asking next level support I eventually reached an abusive and condensending employee who berretted, beliitled me and fun of me for my skepticism. Now mind you iv been a victim of scams and identy theft so I'm obviously a little concerned. She accused me of yelling at her and on several occasions threatened to hang up on me. I'm under alot of stress trying to pay these credit card bills. I'm working my self to death. I was in no way yelling or being combative. I was as calm and as nice as possible. She informed me that I was asking very personal questions and deserved to be hung up on and would be done so as a result of everytime. 
Does this bank have a double standard? They ask me very personal questions everytime I call making very uncomfortable but I humbly oblige. Is asking what state some one is from a personal question? 
In my opinion I feel like this is retaliatory attack for the very many systemic problems iv exposed within this bank. 
XXXX even been rewarded a meager XXXX XXXX dollar check for what this banks thinks compensation for the the failure to promptly bring a fraud alert to my attention. 
XXXX alone is proof that this bank has a real problem. XXXX XXXX dollars is no way compensation for the anguish and time lost as result of there utter failure to protect my identy and my safety. 
This is why I feel I was met such disdain. XXXX XXXX XXXX me personally now and everytime I call it's the same thing. Rude and nasty comments.
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : Current Address and Name : My full name is : XXXX XXXX XXXX My correct date of birthXXXX My correct Social Security numberXXXX My correct address isXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, has violated my rights 15 U.S.C 1681 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting a formal complaint regarding several accounts listed on my credit report that have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Accounts in Violation : 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 Details of the Violation : Right to Privacy : 15 U.S.C. 1681 Section 602 ( a ) : This section underscores my right to privacy, establishing the importance of accurate and fair credit reporting to protect consumers from the detrimental effects of inaccurate or unauthorized information. 

Unauthorized Furnishing of XXXX : 15 U.S.C. 1681 Section 604 ( a ) ( XXXX ) : It is stated that consumer reporting agencies can not furnish my account information without my written consent, except in certain limited situations. I did not provide authorization for the reporting of these accounts. 

Inclusion of Outdated Information : 15 U.S.C. 1681c ( a ) ( XXXX ) : This section prohibits the inclusion of adverse information in a consumer report if it is older than XXXX years, except for certain criminal convictions. The accounts in question contain adverse information that exceeds this permissible timeframe. 

Inaccurate Reporting : 15 U.S.C. 1681s-2 ( a ) ( XXXX ) : This section mandates that furnishers of information ensure the accuracy of what they report. They are prohibited from providing any information they know, or have reasonable cause to believe, is inaccurate. The accounts in question reflect inaccurate information that should not have been reported. 
Given these violations, I request that the Consumer Financial Protection Bureau investigates this matter and ensures the removal of the inaccurate, outdated, and unauthorized information from my credit report. 

Thank you for your attention to this urgent matter. 

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

XXXX XXXX has violated my privacy and illegally viewed and/or used my private data through the XXXXXXXX XXXX XXXXXXXX without my permission. I feel violated by the U.S. Government Agency, DOGE, who knows what they'll use that data for or where it has gone already.
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 and XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts 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 ( XXXX ) that I have made. It is the result of identity theft.
Product: Debt or credit management

I had XXXX taken out of my account from Bright Money. I cancelled and requested a refund. They agreed & have been giving me the run around saying it takes XXXX for the refund, It has been more than XXXX  days. Every customer service agent from Bright Money gives me a different response
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XX/XX/XXXX XXXX I Late Dates : XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX PAYING UNDER A PARTIAL PAYMENT AGREEMENT REAL ESTATE MORTGAGE 180 DAYS OR MORE PAST DUE XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I XXXX XXXX XXXX Loan Term : 540M 30 Late Dates : XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is the same account reporting multiple times and hurting my score. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX/XXXX/XXXX XXXX XXXX Ocwen Loan Servicing, LLC XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below and above ) are affecting my credit score and livelihood. Please delete these immediately. 
Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX
Product: Student loan

Ive sent information on 2 separate occasions to the Navient Fax number, for IVR payment reduction, they never seem to receive the information. I have been asking for borrowers defense with my loans as I am in a class action lawsuit against the card issuer on which they put our excess loan amounts due to being charged ATM fees, as well as MANY other fees on OUR BORROWED loans. 

Everytime NAVIENT sends my information to me, my interest has increased, to the point now that the interest is MUCH higher than the loans themselves, Im buried under interest as they always suggest a forbearance or deferment in which case, Im accruing more interest than expected or required. 

When NAVIENT assumed my loans from XXXX XXXX, they did not lower my rates or clear the interest accrued on my UNSUBSIDIZED loans, as promised ( an OBAMA Education plan to assist students who have loans to save money ) On XXXX XXXX, 2017 a lawsuit was filed against Navient for many reasons including the aforementioned situations. 

Im in a financial hole with these loans and I will NEVER get out as they are unwilling to help and continue to claim they have never received my applications for IVR or Borrowers defense. 

I believe I should be a part of tsaid lawsuit, I DONT KNOW WHAT TO DO????
Product: Mortgage

XXXX our mortgage was sold to Statebridge Mortgage company. We have been current on our mortgage since we have bought our house. We received a notice of short escrow payment from our mortgage company. We tried contacting them to resolve the issue they are not replying back to us ; escrow department does not take phone calls. What we have understood from the escrow shortage notice Statebridge Mortgage company place a forced place insurance on our house in XX/XX/XXXX they have been charging us {$340.00} quarterly for whole XXXX. We informed Statebridge Mortgage company 's escrow department of this issue in XXXX XXXXand provided evidence that we always had our own homeowner 's insurace through XXXX since we bought our home. Statebridge Mortgage company 's Escrow department assured us they will resolve this matter ; it 's been 9 months and still they have n't resolved the issue and credit back our account for falsely charged homeowner 's inurance ; and now they are demanding to raise our mortgage payment from {$1100.00} to {$1400.00} for one full year. This is unacceptable ; we have tried talking to them but escrow department is not responding. We are reaching out for this issue to be resolved ; mortgage company should take this matter seriously.