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

I received an offer as a current Chase Marriott Bonvoy Credit Card holder that I acted on. 
I referred my son to apply for the same credit card. Once he was approved, I received XXXX Marriott Rewards points and he was to receive XXXX points upon spending a specified amount within a 3 month time limit. He fulfilled all requirements but never received the points. Since that time he has continually and repeatedly contacted both Marriott Rewards and Chase credit card services to no avail. Since I am the person who referred him and since this card has a {$95.00} annual fee, I am invested in fixing this. 

I am uploading the incorrect denial letter from Chase cardmember sevices and our response which details the entire issue.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiry that I did not authorize, made by these company : XXXX XXXX 

I did not authorize anyone employed by this company to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file that you maintain under my Social Security numberXXXX XX/XX/year>
Product: Checking or savings account

CASE NUMBER XXXX On the answer of that claim the bank said that is waiting information requested to me. 
I sent all the requested information for all claims detailed on that letter, so I need to know what else do you need, with details, to proceed with the claims and send again te information requested. 
Claim numbers : XXXX, I dont have any information requested on my email and mail XXXX I dont have any information requested on my email and mail XXXX, it was sent on XX/XX/XXXX This 3 claims I had attached the information requested.
Product: Debt collection

This account was reported to XXXX XXXX and collection agency by the name of XXXX XXXX XXXX XXXX that said account was a result of identity theft. FTC ID theft affidavit # XXXX and XXXX, FL. police report # XXXX by officer XXXX, Badge # XXXX. Portfolio Recovery Associates says that this account is valid because they attached a copy of the credit card statement to their collection notice stating that such attachment establishes it's validity. A copy of a credit card statement proves that the account is not Fraud as I have reported? This collection company violates the Fair Debt collection act on a continuing basis and I have filed a complaint with the Attorney Generals office. Furthermore, I was notified by Equifax that I was a victim of the XXXX breach. I have had over 32 fraudulent accounts removed from my credit reports that were not mine and some even had the same name but the last four digits of the social security number did not match. Moreover, I have contacted XXXX XXXX  and they have in fact verified that the name on the account matches my name but the last 4 digits of the social security number do not match. It is clear this account belongs to another person with the same name.
Product: Money transfer, virtual currency, or money service

I had reserved a car through the XXXX website and was charged {$80.00} on XX/XX/XXXX. I went to the XXXX to pick up my rental car but didnt meet the requirements, which were I had to be XXXX XXXX XXXX or have a credit card with a balance greater than {$300.00} if I was under. I was XXXX and only had a bank card and so I had to cancel my reservation because I dont own a credit card and ask for a refund and was told to contact XXXX XXXX I called XXXX and told them what happened and was approved for a refund by the supervisor and it would take XXXX business days. Shortly after on XX/XX/XXXX they said they would contact XXXX and get my refund, then a day or XXXX after they email me again saying they could contact XXXX and so my refund was denied. XXXX was never responsible for my refund as they never charged my card only XXXX did and so I contacted my XXXX support and reported it. After a week or so I was given provisional credit as they investigated and then yesterday XX/XX/XXXX I was told XXXX had been awarded the claim and they would take back the {$80.00} provisional credit. I had emailed them proof and my sister was theyre that day I was on the phone but they still didnt refund me for a service I never received and kept my money blaming XXXX that XXXX nothing to do with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not excersise its grave responsibility. 
You were unfair and partial and did not respect my right to privacy. 
I never instructed them to furnish on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my credit report that I don't recognize which are XXXXXXXX XXXX XXXXr, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I even wrote out some of the duplicate inquiries on my report.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the rights 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXX XXXXXXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$240000.00} ; XXXX  XXXX XXXX : {$20000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a boy friend who was living with me on and off since XXXX he ended up not being who I thought we was he has been opening accounts in my name since XXXX I was in aware until XXXX of XXXX when everything started to unfold he stole my car and wallet and my info trying to to escape when I found out about all the frauds acts he has been committing in my name I also found out that he was living under a stolen identity his name who he told he was.. was not accurate he was paying on some one the loans and credit cards in my name as of they belonged to him the fraud accounts be opened were XXXX XXXX in the amount of XXXX he opened XXXX XXXX XXXX XXXX  in the amount of XXXX and XXXX both of XXXX XXXX cards are closed and he opened XXXX XXXX in the amount of XXXX $ there are also numerous inquires in addition to XXXX XXXX XXXX being fraud the payment history is way off on different credit accounts which furthermore proves fraud attached will be my police report and in accurate credit reportings Thug had caused a dimise in my credit on XXXX XXXX and TransUnion platform
Product: Credit reporting or other personal consumer reports

I sent letters no response are investigation on report Experian ignores response letter sent have removes I been victims of identity thief.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estopper by silence, XXXX v XXXX ( mo ) XXXX XXXX XXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX is affecting my credit. They have false / erroneous items on my account .... These erroneous items are affecting me tremendously. I have called to have the information removed these false late payments are dragging my credit score down.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 
1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have a simple interest loan through Bank of the West, a BMO Company. The financier at the RV dealership said it was simple interest loan. I confirmed with Bank of the West that it is a simple interest loan, but every time I pay extra on the payment, the interest increases somehow ( even though it should decrease because I have paid down the principal ). I call them twice because I couldn't understand why if I paid more on the account, they raise the amount of interest. This sounds like precomputed interest, not simple. I have called twice to try and understand this and was instructed to send in any principal payments by mail, via check to their principal only desk and mark them principal only. This seems to work, however, when I do this and make the regular payment via my bank online, they apply everything I pay to interest and none to principal. It almost seems like I am being punished for trying to pay the loan off. At this point, I don't know what to do. I am looking to get a loan or refinance through another, reputable company, but I am afraid if I send Bank of the West a large amount of money with intention to pay off, they will apply it to some future precomputed interest. Please help. I can provide statements to reflect what I am experiencing. What is happening seems to be illegal/unethical.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, which has resulted in several unauthorized items appearing on my credit report. These include XXXX accounts and XXXX inquiries that I neither authorized nor initiated. These entries were added without my knowledge or consent. 

ACCOUNTS - XXXX XXXX - XXXX XXXX XXXXXXXX INQUIRIES - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX  XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have already reported this identity theft to the Federal Trade Commission ( FTC ) XXXX I am requesting the prompt removal of these fraudulent accounts and inquiries from my credit report to ensure its accuracy.
Product: Credit card or prepaid card

Balance transfer requested from XXXX XXXX/Elan XXXX XXXX XXXX XXXX XX/XX/2022 in error. The check was issued on XX/XX/2022. {$6000.00}. 
I realized the error and called to put a stop payment on the check XX/XX/2022. 
XXXX XXXX cashed the check ( I have the canceled check ) on XX/XX/2022. 

XXXX XXXX claims the check was denied days later an they returned the money to XXXX XXXX/Elan XXXX 

XXXXXXXX XXXX/Elan says the check was cashed by XXXX XXXX and not returned to XXXX XXXXElan. 

I now have a {$6000.00} charge on my XXXX XXXX/Elan Card , plus a fee of {$170.00}. 

The {$6000.00} is either with XXXX XXXXXXXX/Elan or XXXX XXXX XXXX I don't know who to believe, but I am sure they both have accounting departments and somewhere there is an amount of {$6000.00} unaccounted for. 

I am getting nowhere with the companies involved. One blames the other and I am out {$6000.00}. 

Please help me solve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020, i sent dispute documents to Transunion and XXXX   regarding the inaccurate items they are reporting on my credit report and damaging my creditability in obtaining things.I haven't heard from them as of yet nor has they gave me the things that i requested.i would like for you to check into this matter please.
Product: Debt collection

Someone stole my identity and created this account. i have never had an account with XXXX in the state of Florida. The owner of this account should be prosecuted.
Product: Debt collection

I do not owe this alleged debt. I have no agreement verbal or written with Genesis Credit Management LLC DBA Columbia Debt Recovery. For the last six months I have provided direct evidence of this false alleged collection. They are claiming I owe XXXX, XXXX. I have provided police reports, direct video evidence of illegal drugs and their breach of contract with witnesses. I also provided XXXX the name and number to the attorney I hired at that time. This dispute was previously resolved however they added it to my credit report after it was resolved. We have medical records from where my husband and daughter suffered recurrent XXXX attacks due to the illegal drug use by tenants at XXXX and managed knew and allowed it to continue after promising they would resolve the issue stating they were a smoke free complex. Their security guard and receptionist both were notified multiple times of the unbearable conditions. I can send copies of video footage, pictures, and emails from management if needed. We are ready and willing to move forward with this.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my Venmo Account Was Suspended After My Friend Sent Me XXXX for a Loan. Today is XX/XX/XXXX and its has passsed XXXX  days and they still cant tell me why I cant access my funds or why my account was frozen in the XXXX  place I received a message in XXXX saying that some investigation was over and that I can tracer my funds but that was a lie
Product: Debt collection

I purchased a internet connection device that never had sufficient signal strength to allow me to use my computer with it. XXXX showed no signal in this area, they should have never attempted to connect me to the service. I cancelled the service with their customer service and in writing. They are claiming I did not pay for valid services received and are attempting a fraudulent collection, using the credit reporting agencies as an illegal collection vehicle. 
The original communication was dated XX/XX/XXXX. This account has been resold to the following collection agencies over the past years.

Allied Collection Services, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX, XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX. 
XXXX, XXXX XXXX. 
In each case when contacted by the above agencies, I explained I never had a cell phone with XXXX and within the 30 days of receiving the notice I disputed the debt and requested proof of the debt. 
None was forthcoming and as of this date I have not received any further communication from the above. 
In XX/XX/XXXX I was informed that my credit score was reduced by 70 points, the only addition to my credit report in XX/XX/XXXX was XXXX XXXX. 
XXXX XXXX sent me a letter in XX/XX/XXXX and on XX/XX/XXXX I replied in writing disputing their claim. They have never replied to my written communication to them disputing their claim and asking for verification. 
The above is a Scheme that XXXX is using against its customers.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

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

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

On XX/XX/XXXX, while placing an order at Amazon, I was offered a {$50.00} gift card if I applied for the Amazon Reward Visa Card, offered by Chase. This was an instant application which asked for almost no information.I was immediately turned down for the card with no explanation and told that I would not receive information for 30 days. Attempts to find out why through both Chase and Amazon have gotten nowhere. There is no way to appeal or provide additional information to get this overturned. 

I am self-employed and have sufficient average income. I have always had excellent credit, never missed a payment on anything, no derogatory remarks, and usually have a score in the XXXX. My score with both credit bureaus was XXXX at the time, primarily due to higher balances on my credit cards while income has been low while starting a business and slowed business due to the pandemic. I am currently making payments of far more than the minimum to catch up. My home mortgage was modified several years ago because I had been forced into a high interest, balloon double mortgage by a XXXX XXXX scam, but this again should not be a reason to deny a consumer credit card. 

I can see no reason due to credit, payment history, or source of income that I would be denied this card. In fact, XXXX had just doubled my XXXX XXXX XXXX account limits when I needed an emergency car repair. 

The only other sources of confusion may be that I have credit card bills going to both my legal address and a friend 's address where I am staying during the pandemic because mail at my home is often lost or stolen. But again, this is not a valid reason to deny credit. 

The only other potential reason an instant credit check may cause issues is that I do have an extra check on my credit due to an identity theft issue with my ex husband over 20 years ago. But this should lead to the company asking me for additional information or taking more time to process the application, not turning me down with no explanation. 

I would like to know why this application was denied within a week and be given a way to provide whatever additional information that would lead to granting the card. I really don't need another credit card, but through this denial I am being denied perks available to others on Amazon.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately as far late payments The consumer reporting agencies need to report all Information with complete accuracy. this account has not been late on payments I'm now requesting you investigate this account and update these payments and account to be deleted and removed Immediately. Thank you for your understanding and prompt action. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : NAVY FEDERAL CR UNION