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

On XX/XX/XXXX I was approved for a Bank of America Premium RewardsCredit Card, with a sign-up bonus of XXXX points if you spent $ XXXX in the first 90 days of the account being opened. They have denied my sign-up points for not spending the $ XXXX, even though I have spent $ XXXX within 90 days of my statement balance date, which was XX/XX/XXXX. 

They have said that the time starts when you apply for the credit card, however I believe that your statement balance would be the start of your 90 days. If the application date was your open date then shouldn't that be when my statement date begins? this seems to be misleading that your account is considered open but your statement dates do not match these. I spent the $ XXXX within that time frame but have still been denied the bonus points. 

I have called them multiple times, the first time I called, after I met the $ XXXX, the representative said I had met the requirements and the balance should be credited soon and to call again if I do not see the credit. When I called because the points were not credited I was told that I did not meet the requirements.
Product: Debt collection

This debt is from owner of a townhome that we rented 2 years ago. They put a debt ( I found out about it 4 months ago ) with amount of XXXX . When we lived there I didnt work because I just immigrated from another country, so my husband paid for lease. My spouse ( currently we are going through divorce ) paid them off XXXX of all amount and then stopped for some reason ( his credit report shows that he owes them XXXX $ ). I dont have this debt on my credit report, they just bother me by sending multiple emails and every day phone calls ( I am not answering on the numbers that I am unfamiliar ), so I cant tell what they want to.
Product: Credit reporting or other personal consumer reports

Someone applied for a mortgage loan in my name and its affecting my credit score
Product: Vehicle loan or lease

I need of your help in a serious matter involving my credit report. After reviewing my credit, I have realized that Santander consumer USA have been reporting damaging information to my credit report from XXXX in the amount of {$29000.00} on a vehicle that I purchased XX/XX/XXXX with a down payment of {$7500.00} since then Ive been making payments of a {$1000.00} each month for 3 years paying out XXXX and Santander consumer USA saying I still owe them as of XXXX, XXXX XXXX a balance of {$29000.00} Ive called them to understand and try to resolve the problem on how I still owe so much on a car I no longer have after all these years my account still with Santander consumer USA and not a debt collection Ive try to see what I have to do to resolve the high payment to lower the balance or take it off my credit report Santander consumer USA telling me that its no other way until I pay the {$29000.00} in full me telling them I can not afford that amount and them telling me they can not take any payments what so ever and as of XX/XX/XXXX this debt has been closed out and changed off as bad debt profit loss and write off and it still reporting to my credit each month due to a series of hardship and medical problems in my life while I normally make great strides to fulfill my debt management responsibilitie, at the time of the debt I was unfortunately unable to
Product: Credit card or prepaid card

Deceptive practice/Poor web design? : I log into chase 's web site to pay my bill electronically and select " remaining statement balance '' radio-button thinking this is the amount to pay so as not to be charged interest on purchases. But it isn't, I'm charged daily/variable APR retroactively on purchases because I hadn't paid off the " current balance ''. 

XXXX. How could that be? Mistake # 1, my bad, I typed an '8 ' instead of '9 ' resulting in a significant underpayment typo. Mistake # 2, Chase 's bad, because of the subtly deceptive payment interface/bad UI design I routinely use to pay off my account balance. I usually do a perfunctory check of my " account activity '' on chase 's web site to check charges but it is so slow, and cumbersome that when I have many charges it takes forever to update and unfortunately ( for everyone ) the " interest charge '' is the last transaction at the very end. Wait, wait, and wait some more. Fortuitously, it was when I stopped waiting and downloaded pdfs of my statements to verify transactions that I discovered the APR charges. So failure to wait, forever, is mistake # 3. 

So there's a HUGE difference between selecting " remaining statement balance '' meaning interest will be owed, and " statement balance '' no interest owed for payment. So why not make it explicit. Highlight in red, use an asterisk, flashing font, something. TO AVOID INTEREST YOU MUST PAY CURRENT BALANCE. After realizing these aforementioned " mistakes '', I more carefully perused Chase 's S-L-O-O-O-W website. Even under " account Activity '', sub-menu popup panel " .. /Credits/Purchases/Fees Charged '' I didn't see an amount for interest charges. It is in the pdf statement, on the web it takes perseverance to find. Deceptive, typical UI trick. 

Yes, I filled a survey on their website and complained to customer support.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of 2016 Bank of America reported a late payment on my account. This occurred while I was enrolled in automatic payment. The issue is, at that time, their automatic payment system charged a set amount every month and did not change to cover the minimum payment due. Sometimes I automatically paid more than what I owed ; and some other times, as in this case, it paid less. This type of payment set up is obviously different than the standard used in the industry. Moreover, Bank of America failed to inform me that the automatic payments made through their website was less than the amount owed. I took extra step to pay the full amount owed after I noticed the error. For these reasons, I believe this error is due to a failure to collect from an unusual automatic payment software. I am therefore launching this complaint to have them 1. Changed their payment process to allow automatic minimum amount due as opposed to an arbitrary set amount and 2. Remove the late payment from my  credit report for the reasons above.
Product: Credit reporting or other personal consumer reports

account is reading as charged off. i never received a 1099.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts are not mine XXXX XXXX XXXX XXXX Account status Closed Age of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$410.00} Status Account charged off. $ FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Multifamily XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXXXXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a formal complaint against USAA regarding the mishandling of my fraud claim, which resulted in unauthorized charges to my account and the subsequent closure of my account. Despite my prompt reporting of these fraudulent charges, USAA has failed to properly investigate my claim, and as a result, has closed my account without addressing the situation adequately or returning the funds that were wrongfully taken. 

Here are the details of the situation : Fraudulent Transactions : I noticed unauthorized charges on my USAA account, which I did not authorize. I immediately contacted USAA customer service to report the fraud and initiate a dispute process. However, USAA did not conduct a thorough investigation into the matter and failed to take appropriate action. 
Failure to Investigate : Despite providing USAA with all relevant information to support my claim, I did not receive any updates on the investigation. I requested clarification on the status of the dispute, but my concerns were not addressed in a timely manner. 
Account Closure : In retaliation or response to my fraud dispute, USAA closed my account, leaving me without access to my funds and without a clear explanation as to why this action was taken. The closure of my account is especially concerning given that I have made every effort to resolve the issue in good faith.

This situation is causing significant financial distress, and I am extremely dissatisfied with how USAA has handled both the fraud investigation and the closure of my account. According to USAAs own policies, I should be entitled to protection from unauthorized transactions, and the closure of my account under these circumstances is both unfair and improper.

I am requesting the following : Immediate re-opening of my account or the return of my funds that were wrongfully taken, with a clear explanation of the steps taken to investigate the fraudulent transactions.

A thorough investigation into the fraudulent charges and a full refund for all unauthorized transactions that occurred.

Clear communication from USAA regarding the status of the investigation and the reasoning for my account closure. 
I trust the Consumer Financial Protection Bureau ( CFPB ) will investigate this matter and help ensure that USAA follows the appropriate procedures and consumer protection laws. I am hopeful for a timely resolution to this issue.
Product: Credit card or prepaid card

XX/XX/2021 I was advised by XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Card that my payment was returned. The representative over the phone provided me with the wrong information she informed me to pay {$150.00}. Then informed me my card would be reinstated to use again. However, That was not the case then I was advised on XX/XX/2021 that I can make the payment on my XXXX XXXX. Then on XX/XX/2021 the associate informed me that I could pay over the phone with her however and I did not have to pay the fee. I called today to confirm the information and the supervisor refused to accept the payment. I informed him I wanted to close my account today based on the poor customer service.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Payday loan, title loan, or personal loan

None of the above options fit. For over a year I have been asking one main financial to remove me from their mailing list. I have called the local office. I have called the corporate office. I have filed a written request. I have messaged on XXXX and XXXX. I have tried return to sender. I joined opt out two years ago. They just keep sending me loan offers and wont stop.
Product: Debt collection

I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately
Product: Debt collection

As a federally protected consumer, I am highly disappointed and unsatisfied with Professional Account Management LLC. My name is XXXX XXXX and I am making this complaint against Professional Account Management LLC for committing identity theft. I have no recollection of authorizing or giving Professional Account Management LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt that claim I owe. I am fully aware that, in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are equally liable for violations pursuant to 15 USC 1692e ( 12 ). It seems as though this account has been turned over to innocent purchasers for value, when that is a very false and misleading representation. I have not validated any alleged debt with Professional Account Management LLC and my failure to dispute the validity of this alleged debt shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Professional Account Management LLC any right to collect on this alleged debt. I have also never received any documentation requesting validation from Professional Account Management LLC before they decided to commit multiple federal violations under the Fair Debt Collection Practices Act. If Professional Account Management LLC can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, this has been a fraudulently and unauthorized fraudulent account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, all collection activity and communication expect through mail to above address, of this and any alleged debts until Professional Account Management LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. This includes the furnishing of any information to any credit reporting agencies. If this documentary evidence can not be produced and Professional Account Management LLC continues its collection efforts, I will file for litigation and Professional Account Management LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud alert on account, disputed, Report number XXXX national credit adjust acct # XXXX {$750.00} loan by phone, this account is not mine, not authorized, fraudulent charge, not authorized, fraud charge, doesnt belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 2017 - Customer Service Credit reps XXXX ( Employee ID  XXXX ) and XXXX refused to acknowledge the discrepancy in the credit card balance reporting being sent to me. I had proof that I was not receiving a past due amount for months but they refused to be of assistance. I disputed the payment with the card company, paid off all balances and closed my account since summer of last year. However, my credit score has been diminishing month over month for no apparent reason. I could n't believe that for {$12.00} ( which they claimed I was notified that I owed ), my credit score was affected by 50 points and service reps refused to do anything about that. This is cyber bullying they tried to threaten me that while they will be reducing my score even further because of the account closure, they will be checking my score again if it ever needed to be reactivated. The company knew they were wrong and refused to take responsibility. There is fraudulent activity on my account and I would like to understand why my score keeps diminishing. There is no other activity that comes to mind.
Product: Debt collection

I get a phone call from this company at least once per week. The message says 'we are a debt collection agency. Call immediately regarding an outstanding debt '. I have no outstanding debts!! I refuse to call this company back, because I think it is a scam and I don't want to talk to them. I went to the XXXX to look this company up and there are many, many such complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Lexis Nexis Consumer Center on XX/XX/2021 by certified mail to challenge the validity of an alleged bankruptcy that Lexis Nexis has listed on my consumer report. On XX/XX/2021, Lexis Nexis responded via mail that I did not send my state identification card in with my initial request, when in fact I did. On XX/XX/2021, I contacted Lexis Nexis by certified mail, and resent a copy of my initial request along with another copy of my state identification card. As of XX/XX/2021, Lexis Nexis has failed to respond to my request of an investigation of the alleged bankruptcy that Lexis Nexis has listed on my consumer report that is causing irreparable damage to my credit profile.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is XXXX  and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is XXXX  reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Product: Student loan

With the most recent press release from The Department of Education  ( see attached ) which states that NO FEDERAL LOANS have had to pay during the XXXX freeze, I request a refund of all the payments on my XXXX  loan that has been paid throughout the pause. I understand that XXXX loans were discontinued and some loans were serviced by the Department of Education while some are held by private servicers, however, these are still FEDERALLY BACKED loans, and considered Federal loans. Borrowers did not have a choice as to whether their XXXX loans were moved to the Department of Education or XXXX then Nelnet, therefore should not be punished by having to pay during this time while others did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

My concerns with XXXX and their unfair credit reporting processes. 
I paid my account within 30 days ( XXXX and XX/XX/2019 ) and was reported late. 
The account was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey I have the XXXX  app downloaded on my phone with all three bureaus as a subscription. I got alerted Thursday XX/XX/XXXX about an inquiry, honestly didn't pay much attention to it being that I refinanced my house few weeks ago so I was thinking it was from that maybe, then Friday XX/XX/XXXX I got 1-2 more inquires and said let me check and I seen that XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX all pulled my credit. I called each one, and there was 2 accounts opened that day with approved credit cards and the other banks didn't approve the cards, so I instantly canceled the cards and they told me each to fill out this report. So reaching out to you all, to say those aren't my charges, I didn't authorize that. If you look into my account outside of my home mortgage I never ran hard inquires random like that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, Please be advised that you are reporting the wrong address information on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. 

My current address is XXXX XXXX XXXX XXXX, XXXX XXXX Previous address 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, XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Please remove the following addresses from my report as I have not lived there for the past year and dont collect mail there anymore. 

I will await an updated copy of my credit report to reflect these changes. 
Thanking you in advance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SS # XXXX DOB XXXX