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

The Chase United Airlines Explorer card has offered the following : " Earn a {$300.00} statement credit after your first purchase. * Plus, earn XXXX bonus miles after you spend {$2000.00} on purchases in the first 3 months your account is open. '' I signed up online in and was never credited promised promotional offer despite fulfilling requirements. Chase Credit Card maintain that I signed for a mileage offer and not credit, that is simply not true. When I requested a copy of my application and digital signature they said that they are not obligated to provide that to me. I tried to resolve the matter directly with the Chase Credit and then through XXXX but Chase is not changing their position. I request the CFPB intervention to resolve the matter.
Product: Debt collection

I requested Debt validation I did not receive any information. 
I'm disputing this debt with midland credit management Inc ( debt buyer ) This debt was wrote off by the XXXX XXXX XXXX as a loss for tax purposes and reported to the IRS as canceled debt. This debt is no longer valid. Please refer to internal revenue code IRC section 6050p & fair credit reporting act FCRA section 611.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect information on your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes DID YOU REQUEST INFORMATION FROM THE COMPANY? 
No TYPE OF ISSUE Information belongs to someone else XX/XX/XXXX, XXXX XXXX  Complaint Print XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Original Total Loan Amounts : {$10000.00} and {$19000.00} both dated XX/XX/2005. Made all payments on time. Guaranteed interest rate was 1.875 %. Navient changed my interest rate to 2.875 %. Accidentally made XXXX  XXXX XXXX Online Payments to spouse 's Direct Parent Plus Loan on Daughter, XXXX 's Account., rather than on my own personal loan. When error was discovered XXXX   XXXX XXXX Manager, myself and Sallie Mae manager resolved the issue immediately and payments were made immediately to rectify the problem. Dept. of Education FSA sent refund checks for overpayments to Parent Plus Loan since that loan had already been paid in full. Navient changed my interest rate to 2.875 and after many letters and phone calls to them they have refused to honor the correct interest rate of 1.875 for years. They may have already changed my interest rate prior to this error having taken place. I have always paid and continue to pay all of my bills on time and it is unjust that those who pay their bills are treated unfairly. 

Another complaint is also being filed in regards to my spouse 's parent plus loan through Navient.
Product: Credit card

I used my XXXX card from wells fargo to pay my rent, the credit limit was higher than the payment amount, for XXXX and XXXX payment it both bounces back and XXXX did not resolve my issue, and occured me XXXX dollars of fee for these XXXX transactions
Product: Vehicle loan or lease

As this is unverifiable FCRA Sect 611 Requires this account be deleted immediately.Mistaken identity the truck got towed, misleading information. 
XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

I am writing to formally dispute inaccurate information appearing on my credit report in light of my rights under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). Furthermore, due to the recent data breach involving XXXX, I am deeply concerned that this misinformation may be a direct result of unauthorized access or compromise of my personal information. The following accounts are inaccurate and require immediate attention : CBNA - Best Buy - XXXX Inaccuracy Description : These accounts are reported as delinquent when no such payments are due. Requested Resolution : I demand this item be verified or immediately removed from my credit report. Given the data breach, I have reason to believe that errors on my credit report may be related to identity theft or unauthorized use of my personal information. Under the FCRA, you are required to investigate and verify the accuracy of all disputed items, especially when they may result from a security breach. I demand that you investigate these inaccuracies and provide written confirmation of your findings within the legally mandated 30-day timeframe. If the disputed items can not be verified as accurate, they must be deleted immediately. Failure to comply may result in escalation to the Consumer Financial Protection Bureau ( CFPB ) or legal action. Given the circumstances surrounding the data breach and the potential misuse of my personal information, I expect this matter to be treated with urgency and diligence.
Product: Mortgage

Continuation of Case No : XXXX-Ditech Financial LLC Ditech did not honestly address the issues in my original complain beginning with the charges added to my bill for " repairs '' and they continue to fraudulently add charges each month for " repairs '' and/or " utilities '' that are not actual charges incurred on the property. I have attached my billing invoices from Ditech to show the charges each month starting with the XXXX statement showing the charges to prove the amounts they have charged. I have also attached a copy of my Alabama XXXX billing statement to show a complete summary of how much my monthly charges have been up through XXXX when Ditech called them and took over billing for the power on the property. My Alabama XXXX monthly charge has not been over {$39.00} since the home has been vacant. You can see that on this invoice beginning in XX/XX/2016. Ditech has NEVER paid for the Water/garbage on the property and I recently had the water turned off to the property and closed that account when Ditech informed me that they had the property winterized. I do n't know if they have actually winterized the property or not because I am 3000 miles away but since I have been told by a neighbor that there was a sign on my door that it had been winterized I am assuming it has. ( Although XXXX informed me that they were never contacted by anyone to winterize the property or turn off the water to the property by anyone other than me ). As you can see by the Ditech statements beginning with the XXXX statement and ending with the XXXX statement, I have been charged a total of {$1600.00} in additional charges labeled as " repairs '' and/or utility fees. I still have not received any invoices for these charges and I have asked for them several times. 
Also my deed in lieu has been approved and all additional liens that were showing on my home were cleared up within 1 day by me once I was informed that they were showing on my title. I also had all remaining articles removed from my home that Ditech stated they would charge me {$250.00} to remove at closing which was supposed to be on XX/XX/2016. The only thing I have heard from Ditech was that they were having trouble with XXXX and the negotiation of my second loan because they would not accept the {$2000.00} that they were offering them to settle their $ XXXX loan. I have been given no other alternatives and I have been told by XXXX ( the loan company for my second mortgage ) that the representative from Ditech has only called them 1X to discuss any type of settlement. Again, the communication with the mitigation representative ( XXXX ) at Ditech is unacceptable. I only received call backs the first week after my first complaint to CFPB. I need this resolved. I demand a NEW mitigation representative who is dedicated to resolving my deed in lieu and my negotiations with my second mortgage company. I demand answers. I demand integrity. These additional charges on my account are fraudulent and need to be investigated!
Product: Debt collection

This account from XXXX XXXX was paid by XXXX XXXX XXXX ON XXXX.I was told that the account was never sold at all.I have tried to contact Huntinggton Debt Holdding with no reply.The account showed up like two weeks ago on my XXXX  credit report but has a date of XXXX.I have never received any letters in the mail regarding the account. {$610.00} was paid on XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I just looked into my credit report and saw a bunch of inquires that I didnt allow on my report. I contacted XXXX XXXX to get it fixed and they were no help they told me to contact the companies its self, I did that and then the creditors gave me a run around and then i called back to XXXX XXXX and they said they couldn't help further. I want these inquires that I did not make on my credit report off. 
They did give me a file number : XXXX Inquires : XXXX BRCLY BANKED XXXX XXXX XXXX  ( 3 times repeated ) XXXX ( 2 times repeated )
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX I submitted a request to delete inquires on my credit report ... .They say shifted the burden back to me to contact the original creditor to verify these inquires which is clearly in violation of 1681 ( a ) ( 4 ). I  want all inquires removed which are not tied to an account on my credit report ASAP. 

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED inquires listed below are not deleted within 10 days. 

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
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/Account number XXXX Account name : XXXX XXXX/Account numberXXXX Account name : XXXX XXXXAccount XXXX Account name : XXXX XXXX/Account XXXX Account name : XXXX XXXX/Account numberXXXX Account name : XXXX XXXX XXXX/Account XXXX Account name : XXXX XXXX/Account XXXX Account name : XXXX/Account XXXX Account name : XXXX/Account XXXX Account name : XXXX XXXX/Account XXXX Account name : XXXX XXXX/Account 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 II : It also states a consumer reporting agency can not furnish a Account without my written consent.

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 move 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

( XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These number do not belong to me my phone number is XXXX. So the number that is above do not belong to me.
Product: Debt collection

Contacted Helvey & Assoc via phone in early XX/XX/XXXX about this debt and informed them that it was not mine due to identity theft. Informed them that I haven't had a job since the early XX/XX/XXXX 's and would therefore not have opened a utility account that I obviously wouldn't be able to pay for since I had no job. They informed me to file a police report and a report with the FTC and send them the information. XX/XX/XXXX I faxed the Police Report, The FTC Identity Theft Report, and a copy of my drivers license to them as they requested. Showing that I had filed the identity theft and that this account was opened using my information but not by me. 

They have sent this to ALL 3 bureaus ( XXXX, XXXX & XXXX ) as of XX/XX/XXXX. I  want this taken off of my credit reports, it is not my debt and they know this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Checking or savings account

On XX/XX/XXXX, I ordered a replacement debit card from Ally Bank. On XX/XX/XXXX, I inquired with Ally Bank about the status of my replacement card. From there, an Ally Bank representative took it upon herself to authorize activity on my account but ordering a new card, without my permission. In fact, I had just told Ally that I do NOT want a second replacement card, as I was XXXX days from XXXX and had been without money for a week, and wanted to wait for my current card in the mail to be delivered. Low and behold, my card arrives today and is UNUSABLE because unbeknownst to me, a service rep decided she would order a new one. I reached out to Ally to escalate, and they offered me nothing other than ANOTHER new card. Not sure how that fixes my issue, as I am already expecting to be without XXXX for XXXX days minimum now. The supervisor who I escalated the issue to would not give me the option to open a complaint within Ally Bank, despite him acknowledging that the rep " was standing there with him, and authorized activity on my account without my permission. '' He said he would do that internally, but quite frankly I don't believe that. I am filing a formal complaint with Consumer Finance, as well as the XXXX. I find this unacceptable, that my Bank is making decisions without my input and quite frankly screwing me over in the process. Not only that, but the supervisor joked in my face about the replacement by comparing myself to " a solider in a battlefield without a XXXX. '' I just want to access my freaking money. 

The great news is that I was nearly immediately accepted into a XXXX XXXX ( as I should have applied long ago ) and no longer have to deal with Ally Bank 's unprofessional customer service- if you can even get them to pick up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im hoping someone can help me with this it was recommended to me to work on my credit first before I purchase a property so that I can get better options for my mortgage. While working on my report we realized that there was fraudulent activity on my report. I sent out some letters with assistance from my lawyer, and we haven't gotten any response from them as of yet. It was my understanding that all fraudulent items that we disputed should have been deleted within 30 days or at least we should have had an answer by now. please assist me with getting these items deleted.
Product: Credit reporting or other personal consumer reports

I was denied a XXXX  XXXX  checking account due to a a consumer reporting agency reporting something negative to XXXX  XXXX. Check systems is reporting false information on my credit report. They are in direct violation of the Fcra and my consumer rights have been violated. 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIRY AND DATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midland Credit Management dba Encore Capital continue to call on a debt that was part of a class action suit for a payday loan. I received a settlement check for that and they insist that I owe the debt. I continue to receive calls and I sent over a fraud alert on my credit report due to reporting this on my credit report. This company is now texting and calling family for a debt that I do not owe. This is also past the statute of limitations of collections according to Colorado and Ohio.
Product: Debt collection

The date of first delinquency was in XX/XX/XXXX they have illegally reared the account to show a date of first delinquency of XX/XX/XXXX. Violated FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Many inquiries on my credit report that were not authorized.
Product: Student loan

I have an incredibly high student loan debt near {$200000.00}, half with Navient, and half with XXXX. I have already submitted a claim for XXXX since they do not have an Ombudsman office. For Navient, I spoke to a very nice woman in the Ombudsman office who said she was essentially executive management at Navient, and whatever information she provided was the best I could get. I send her the Cost of Attendance estimates that my school, FIT, provided from the Financial Aid office, which is what they said was considered when they approved all of my loans. This is very disheartening, as I believe about 60-70 % of what I was approved to take out was irresponsible and way too much based on the Cost of Attendance estimates. Navient 's contact said that there was nothing she could do, since I signed the promissory notes - she offered no additional options or advice. She even agreed I should speak to a lawyer regarding my issue. I want to live my life, not be burdened by the mistakes I made when I was XXXX years old. I need to be able to save for a house and family. I need options other than paying this loan back until I 'm XXXX. I also need someone to take responsibility for the predatory lending I am a victim of. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to XXXX, XXXX, and Experian on XX/XX/2021 to update my personal information and remove the inaccurate. The information has not updated and I haven't received a response.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.They informed me that recovering lost funds impossible and that tracking these transactions was infeasible.The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

In XX/XX/2020 I took advantage of an offer on TargetXXXX to open an account. I then charged roughly {XXXX} to the card. I had NO communication with the bank until I called the bank in XXXX after being notified of a change to my credit bureau file by a third party. I then immediately contacted the customer service department and was told they needed to update my address, would take a payment for the full amount then waive the interest and late fees. The agent then proceeded to tell me that they city in my address was wrong but that he could not update that and the only thing he could do is attempt to send a card and replacement statements to me at the address they had on file. This was supposed to leave me with a XXXX} balance and have a card and statements on the way to me. After a few more months I logged into my third party account to check my credit for any changes and found a 30-59 days late notification for the XXXX statement. I still have not received ANY communication from the bank since I opened the account except for contact I initiated via the phone calls. I was very surprised considering I was told the balance was taken care of and not further payment was needed. After speaking to several people I found out that again I missed a payment, no statement received, and would need to make a payment for XXXX}. I asked to speak with a collections rep I updated the address to include the correct city then I asked for a fee waiver and then a supervisor. The supervisor told me she would not be waiving the interest charges due to the fact that I didn't contact them in XXXX or XXXX to make the payment for the remaining balance and that a 1 time courtesy credit for fees and interest was already given to me. I don't know why I am not receiving statements but it probably has something to do with the address on the account showing the wrong city. I explained that I live in a rural area of Utah and that if the post office received mail with the wrong city it OFTEN never arrives.
Product: Checking or savings account

Hi I am writing to complain about some money that I lost in a BMO Harris account. I tried to make two payments for my auto insurance to XXXX XXXX. After almost a week my XXXX XXXX account still have not received payment. I contacted XXXX XXXX and got to run around so I just put a stop payment on both payments. I was then charged for for total stop payments. The amount in question is around {$800.00} So then I tried to initiate two more payments to XXXX XXXX. The money was again deducted from my account but XXXX XXXX never received the payment. I never saw the deducted amount again and I finally had to close my account with BMO Harris because I was afraid that after being double-charged and losing money that they would do something even worse. I have contacted BMO Harris and they do n't know anything about the {$800.00} which was deducted for a second time and never paid. They just state that it was covered by the original stop payment. So somehow I think they were applying to stop payment to my second attempt at payment and then deducted the funds and just plain lost them. Please advise and thank you XXXX XXXX