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

I made a number of purchases through the Shop Through Chase portal that I haven't received credit for on my Chase Freedom Unlimited credit card.. 

I called in midXX/XX/XXXX, received an unsatisfactory response via post office mail about a week and a half later, and have subsequently sent messages on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX providing evidence of my clicks, receipts, my charge history, my Shop Through Chase click history, my order confirmations, and explanations. Chase has provided little to no response and no effort to resolve the situation except to tell me that they see my clicks through the portal. They also only respond once every three - five days because my replies need to be forwarded to the correct department before I get a response. 

I've also provided them a systemic issue- I had all of my clicks registered for purchases prior to XXXX, and once I moved to Hawaii, none of my clicks counted anymore. There's been no effort to resolve this issue. 

I have provided exact timestamps of my purchase receipts ( which I am sure are only a couple of minutes after the time of the click on my Shop Through Chase portal ) and while Chase has not yet provided a time for my click, I think it would show that the purchase happened a couple of minutes after the clicks, and it would be clear. Chase also has the time that the pending charge has hit the credit card, which should closely correspond to the time of the clicks. 

Chase acknowledges that I made the purchase on the correct credit card, acknowledges the click, and yet does not acknowledge that I should receive credit for the click even though I followed all the conditions for receiving rewards through the Shop Through Chase portal. 

I did not receive credit for these purchases on these dates : Click history : XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX 's XX/XX/2022 They are associated with these transactions on my credit card ending in XXXX : XX/XX/2022 XXXX {$810.00} XX/XX/2022 THE XXXX XXXX # XXXX {$82.00} XX/XX/2022 THE XXXX XXXX # XXXX {$38.00} XXXX XXXX, 2022 THE XXXX XXXX # XXXX {$320.00} XXXX XXXX, 2022 XX/XX/XXXX# XXXX {$54.00} Because I am confident this is a systemic issue, I have also offered to replicate the issue for them - I am confident I can make a click through their portal, make a purchase, and not receive credit for it. Chase has not responded to this.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX  XXXX Balance : {$29000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, i sent a letter to the bureaus reporting some inaccuracies on my credit report. To this day over 60days later the inaccuracies have not been resolved yet. I am being completely ignored and this is really not fair to me. I researched some of the law and i found out that Section 611 a says that a failure to investigate these items within 30 days give a reason for a complete removal of those item in my credit report. In my case it has been over 60 days therefore i should expect a deletion. Please remove these items promptly since the law was violated here. My information was also impacted by the equifax data breach that happened couple years ago and who knows have my information right now.
Product: Checking or savings account

In 2019 - all my BOFA accounts were closed due to a banking decision. I respect it but there is an error and I did not do anything wrong. I paid for everything on time - nothing bad. I want to discuss with someone why I get blacklisted. Please contact me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX/ XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX
Product: Credit card

I received numerous notifications via phone about possible fraud activities on several credit cards. I only carry my id and debit card with my phone. Once I was home I discovered that XXXX credit cards were missing, only XXXX were actually used XXXX card took care of the matter immediately! However, imagine visa didnt credit my account and stated Im responsible for fraudulent charges. Ive never used the card! Furthermore like my other account I should have been notified with that many purchases on XXXX day.
Product: Consumer Loan

XXXX XXXX, 2015 Dear Federal Trade Commission, This is the problem that I am having. On XXXX XXXX, 2015, I had a wreck in my 2015 Toyota Corolla. Two weeks later forms were needed to complete the process for payment from XXXX. I had to go get an incident report, the breakdown on how XXXX insurance came up with that amount and the amount that was paid from my insurance. Okay this how it all got started. I went to Tennessee where the accident occurred and got the police report because I had all the other documents already to go. I put the documents in the mail the same day. I mailed the information XXXX. When I mailed it off I made sure that the company gets it in a couple of days. Okay I thought the process had begun until I check my credit report and I showed thirty day delinquent. So I called XXXX and asked them why have n't XXXX Toyota received the remaining balance yet from the 2015 XXXX XXXX. They stated that all the information has not been received to get the ball rolling. So I asked what other information that you are talking about. XXXX stated we are still waiting on the police report. I told them I sent it out already. We went back and forth with the same conversation. I told them I paid XXXX dollars for that incident report. I am glad I made a copy of the XXXX I had. So I sent another report out to them. I kept checking every week to see had the process begin. Still no word on when they will pay the remaining balance. So I asked do I need to pay my regular car payment so it will not go on my credit. The worker stated your case is being processed just waiting on the incident report. By that time another thirty days was approaching on my credit report. I just sit there with tears in my eyes because I knew it was nothing I could do because one thirty days had already smashed my good standing credit. I have worked so hard trying to do the right thing with my credit just for this company to give me the run around on finishing paying for the car. When you add extra coverage on your vehicle to make sure it is paid in full just in case something happen, it really happens. XXXX did n't waste any time receiving their portion of the payment every month. But when push comes to shove, they let you down. This is really upsetting to me because I pay my bills and for this to happen it is heartbreaking after I worked so hard to keep my credit in good standing. I have always paid my bills on time and XXXX acts as if credit does n't matters to them. I did have no problem paying them every month. So when I became in need, they washed me under the table. This is my first time dealing with XXXX. They did n't explain to me how the process works if an accident occur. I would n't have let this gotten to the point where it affect my good standing credit. 
I really hope that you carefully look into the matter and contact me with the results. 
Thanks and have a Happy Holidays. 
XXXX XXXX XXXX
Product: Mortgage

My home was hit by hurricane Irma XX/XX/2017. I live in XXXX XXXX, Florida. The hurricane damage required me to repair my air conditioning which I could not afford. My mortgage company at the time was XXXX and I called and was offered three months of a forebearance to get back on my feet after the storm. I accepted as this allowed me to repair my air conditioner and fencing that had been knocked down. When three months were I called XXXX to make my XX/XX/XXXX payment and was told they would only accept {$3800.00} and I could not pay one month. I did not have that money as it was spent to repair damages from the hurricane. My loan was then transferred to Bayview and I applied for a modification to put the past due on the end of the mortgage and start making payments again. Bayview denied the modification, refused to accept less than all payments due and filed foreclosure. I have appealed Bayview 's decision to not offer me a modification and their response is that the investor is XXXX XXXX XXXX and I have exceeded the allowable number of modifications. I feel as though I would not be in this position had I not been offered the forebearance to " help me '' after the storm. I am afraid of losing my home because of hurricane Irma. I was current and my first missed payment was XX/XX/2017 after the storm. Thank you.
Product: Credit card

My wife purchased a leather jacket in XXXX, XXXX. She was not charged the value added tax ( VAT ), but was given a form to take to the customs desk at our departure from XXXX airport on the day of our departure. She told my wife that if we did not take the form as directed our credit card would be charged the VAT tax. We did as directed, and left XXXX. On returning, a subsequent credit card statement from Chase included the VAT charge, with the 'merchant ' listed as TAX REFUND DENIED. When I called Chase, the person I spoke with had no idea what it meant. I told her I was pretty sure it was related to the VAT. I of course disputed the charge, as we had complied with the merchant and filed the form with the customs desk. I have gone back and forth with Chase several times since my first call asking about the charge. I have been told by XXXX different Chase representatives ( XXXX a supervisor ) that Chase policy was to not dispute VAT charges. I was told I would have to deal with the merchant ; however, Chase has failed to identify what merchant placed the charge on my card, nor has Chase informed me as to what authority the un-named merchant had to place the charge on my card ( it is {$110.00} ). Chase has sent me a letter stating in writing that it is something I need to take up with the merchant ( the one that Chase has not identified ). I told Chase that my dispute at this point is not with the unidentified merchant, but with Chase for allowing an unauthorized and bogus charge to be placed on my credit card, and then refusing to remove it when disputed by me. I have also pointed out the misinformation and confusing information I have been given by Chase during phone calls with Chase representatives. I am still pursuing the matter with Chase, but wonder how it can honor a charge that is not only bogus, but then inform me the issue is between me and the merchant, as though Chase is simply an innocent bystander.
Product: Debt collection

After viewing my credit report I saw collection on my account that wasnt my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..Please delete the following student loans 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

On or around XXXX XXXX I requested my credit report and noticed some inaccuracy of inquiries on my credit report i notified XXXX, XXXX, Trans union but haven't got the any answer. XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022. 

15 u.s.c 1681 I ( 5 ) They are supposed to modify accounts that aren't reporting correctly. 

15 u.s.c section 602 A section 2 : States I have right to privacy 15 u.s.c section 604 A SECTION 2 It also states a consumer reporting agency can not furnish an account without my written instruction 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 another 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 disclose to a customer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following entries on my credit report is the result of identity theft and should be blocked.

I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent INQUIRIES that are not associated with me. All agency both via fax and through Certified mail.

In addition, I request the immediate removal or the following fraudulent INQUIRIES FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Today, XX/XX/XXXX, marks the one-year anniversary since I refinanced the conventional home mortgage that was held by RoundPoint Mortgage Servicing Corporation. It has now been 365 full days and I am still waiting for the return of the {$3800.00} that had been held in escrow. The refinance was totally plain vanilla. There were no complexities, and procedurally I did everything exactly right. RoundPoint does not deny this. I have called and emailed RoundPoint no fewer than 25 times over the past year and have wasted at least a dozen hours ( maybe 2 dozen ) over the past 12 months in efforts to get back my money.

RoundPoint claims they sent me a check ( way back on XX/XX/XXXX ). The fact is that I never received that check. They claim it was cashed. I know nothing about it. For months I have been jumping through the many hoops they have put before me ( such as signing affidavits and representations to their bank, etc. ) In XX/XX/XXXX they assigned XXXX XXXX ( Company NMLS ID # XXXX ) as my Customer Advocate Specialist, with a promise that the matter would be resolved promptly. I have called her and emailed here countless times over the past six months. She just says she is expediting the matter and that she is waiting to hear back from their fraud department, or that its still being processed, or asks me to fill out more paperwork ( often the same form yet again ). Recently I got a message that she is transitioning to a new role and now there will be a new point of contact assigned to my case. 

I have nowhere and no one to turn to. I have never seen anything so unfair and poorly handled in my life. Enough is enough. Their treatment of me and my case has been utterly unforgiveable. I honestly believe they are guilty of embezzlement. 
Can you please help me to resolve this matter? 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Been reporting late payments to Equifax & XXXX for XX/XX/2021 and XX/XX/2021 meanwhile all the payments on time sending screen shot of credit report and bank statement. XXXX service agent i spoke to her XX/XX/2021 at XXXX and she couldn't help did not understand the problem.this company doesn't have service for automatic payments every month and they charge you for calling in and making payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the illegal reporting of XXXX XXXX XXXX to Experian and Experian will not remove this account, XXXX XXXX XXXX has been reporting false information and increasing the balance every month when this account has been closed since 2016. This is against the law and the FCRA and should be REMOVED!!
Product: Credit reporting or other personal consumer reports

I have received information from XXXX XXXX and TransUnion credit reporting agencies that there's been a new hard inquiry made on my name with a new credit product offered by XXXX  XXXX ( on XX/XX/year> ), although I didn't recognise neither the inquiry, nor the details provided with the inquiry ( the address and phone number, which were supposed to be associated with me, were wrong ) plus I haven't made any new inquiries for any credit products within recent months. 
I have called XXXX XXXX and provided them all the information regarding my concern. They have registered my call and request, informed me that they are going to pull that application out of my profile and inform the credit agencies that the application had been fraudulent and wasn't made by me or on my behalf, so in the future it won't affect my credit score. 
And they also recommended me to file a complaint regarding that fraud attempt to FTC / CFPB, which I am doing here. 
The incorrect home address and phone number provided in the application are as follows : Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX I have never been associated neither with that address nor with the phone number.
Product: Mortgage

I made two payments on line to pay off my second lien. I selected the only option for final payment that it would allow. When I saw I still had a balance owed after the first attempt, I called Citizens directly and spoke to a customer service rep to confirm I was paying the right amount. They confirmed and I made the second payment. About three months later I get a letter saying my mortgage is past due and I owe another {$500.00}.
Product: Debt collection

I have contacted all three credit bureaus about this debt, I signed up for XXXX and the amount was to high so I signed up for another service. I believe I was over charged the the service did not use.
Product: Money transfer, virtual currency, or money service

I sold a guitar online : XXXX  Check was sent for the cost of the guitar plus shipping via a service that was shipping other items for this individual : XXXX Check was deposited in my account. XXXX day later, the balance is up XXXX making me believe the check cleared. 
Sent the money to the shipping service via XXXX minus the cost of the guitar : XXXX Check bounces this afternoon. Money is already gone from my account. No fraud recourse from my bank, Bank of America, or XXXX because I participated in the scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX and TransUnion and XXXX Credit reports are 2 inaccurate 's which are 2 inaccurate accounts which are the 2 XXXX XXXX XXXX XXXX Accounts the first account list placed for collection when I paid the account balance in full It's listed on the account that I paid the account balance in full but should state it where the place for collections should say account balance paid in full the Second account balance is paid in full as well and it states it on the account both are inaccurates
Product: Mortgage

We have been in default and trying to refinance our mortgage for several years now. Our most recent attempt resulted in a letter from Wells Fargo saying they do not have the authority to offer a HAMP modification as servicer to our mortgage. Wells Fargo was the original note holder and transferred it into a trust held by XXXX XXXX XXXX. Both Wells Fargo and XXXX HAMP are bound by the 2012 XXXX standards and must under law review our mortgage for a HAMP modification, however we believe they are attempting to use the TRUST to avoid this legal requirement. It is our belief that they intend to wait until HAMP has expired and then release the deed from the trust and then foreclose, circumventing their lawful requirement to offer us a HAMP modification.