23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX Chase credit card had a promotion going on for $ XXXX points when you sign up for their card as a new user instwsd of their normal XXXX. It went towards the companion pass as well. Which is the only reason I opened the card in the first place. I had multiple advertising pop ups on websites and XXXX for this promotion as well as multiple emails offering the promotion. I opened the card account on XX/XX/year>. The promotion ended in XX/XX/XXXX. The criteria was to spend $ XXXX in the first 3 months of opening. I spent the proper amount, by the dead line. I didn't receive the points but thought maybe the billing cycle needed to be closed out which would have been XX/XX/XXXX. I waited for it to close and still no points. Monday was a holiday so I called Tuesday. The 1st representative I talked to, said I was no longer eligible because the offer was expired. I told him I opened my account before the promotion ended. He transfered me to an escalation manager who looked into it and said they for sure could change it around. I some how only recieved a {$200.00} statement credit instead. He said he could charge the XXXX back and give me the promotional points and everything looked good and should be be a problem. Friday night I got an email stating they would no honor the promotion and the case was closed. I called back Saturday and they continously told me there was nothing they could do because the promotion was over and the case was closed and could not be reopened. I told her I didn't want the card and needed to talk to some one and she would not transfer me to anyone else. Right know they still have their normal XXXX points for anyone who gets approved for a card but they wouldn't honor that either. I got XXXX points in this situation which makes no sense.
Product: Credit card or prepaid card

COMMERCE BANK OF XXXX XXXX AAND XXXX ARE SUBJECT TO CLASS ACTION LITIGATION FOR VIOLATING F.C.R.A. AND T.I.L.A. THE F.C.B.A. AND THE DODD FRANK WALL STREET REFORM & CONSUMER ACT TITLE X. AGAIN AND AGAIN! FAILING TO REFUND ALL FEES ETC..SEE ATTACHED DOCUMENTATION AND LAWSUITS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have a fraudulent/ unauthorized inquiry on my credit report from XXXX on XX/XX/2022
Product: Credit reporting or other personal consumer reports

Affirm used XXXX XXXX to collect payment for their accounts. I made an agreement ( marked agreement 1 ) to make payments, then I received a second agreement ( marked agreement 2 ) to resolve the account completely for a total of {$550.00} and this payment was made XX/XX/year>. Affirm keeps reporting on my credit reports that I owe {$160.00} after agreeing to a settlement. In addition, although I paid the settlement amount to marked account paid in full since XXXX on XXXX they are still reporting that the account is charge off. This should be illegal, after making and agreeing on a settlement that a company keeps reporting a balance. This is false to pretend to offer a settlement to resolve this account please see emails, then turned around and do the opposite.
Product: Credit reporting or other personal consumer reports

Information was being reported and move to different credit debtors without my consent. Also incorrect information is being reported.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against XXXX for failing to properly investigate my disputes regarding inaccuracies on my credit report. 
Despite my submissions, XXXX consistently failed to notify me of dispute outcomes leaving inaccurate or unverifiable accounts unresolved without any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. Listed is all accounts included in disputes sent to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Hello, My name is XXXX XXXX XXXX XXXX XXXX is a new credit card XXXX replaced when Co was sold to a new onership.I was with XXXX old card since XXXX paid on time, bought many things, including partial roof and siding for my home, never had an issue.I was issued a XXXX XXXX XXXX Card with the last # XXXX in XXXX.It had a fraud charge near the end of the yr XX/XX/XXXX, I called and paid the amount and fees I owed but not the fraud amount they stated it was removed, They send a letter stating the card was now closed # XXXX replacement card last # XXXX, I never used the new card, then in about 2 weeks I received a statement sent to me with a fraud order XX/XX/XXXX SP Quest nutrition XXXX CA with FEEs! I called that day and canceled my credit card and business with them, also I send several letters which they are ignoring now the balance is $ XXXX.Now my XXXX is XXXX from XXXX.My credit records always are good.Also if you see XXXX and the Shop your way Card # XXXX, I paid my bill.And when you try to talk to the operators they they hardly can speak english.I do not owe [ Shop your Way ] any money, Please help me with this, I have went to website and Shop Your Way has many complaints by many of their customers. 
Ms XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have NOT supplied proof under the doctrine of ESTOPPEL by silence, Engiehardt V. Gravens ( MO ) 281 SW 715, 719. I presume that no proof of the Alleged Debt nor, therefore, any such debt in FACT therefore exists.
Product: Debt collection

on XX/XX/XXXX at XXXX XXXX I received a call from XXXX stating he was going to serve a warrant and wanted to set up a time when I was home so he wouldn't have to serve me at work. He gave me a case number ( XXXX ) and a phone number to call for more information. I called a company called ERG at XXXX, the gentleman had me verify my last four of my ssn and proceeded to tell me I was going to be served papers on an outstanding XXXX XXXX XXXX for {$4000.00} and some dollars, but I could clear the matter up so I wouldn't have to go to court. XXXX XXXX loan would accept {$1000.00} something. I told him I filed for debt consolidation and I hadn't thought about the debt ( but I thought the original amount was {$500.00} ). I told him I couldn't remember the name of my debt consolidation company but would call him back. I looked at my credit report and XXXX XXXX XXXX sold my debt in XX/XX/XXXX. So I don't know if this is really XXXX XXXX XXXX.
Product: Credit card

I called Chase on XXXX XXXX to convert my Chase Freedom card to a Chase Freedom Unlimited. While on the phone with the Chase rep, he told me the conversion was completed. It is now more than a week later and the card still has n't been converted. I 've called twice during the week ( once on XXXX XXXX and again on XXXX XXXX ) to find out the status and both times the representatives told me the conversion should have completed but that " they are n't sure what 's taking so long. '' Chase what is happening?
Product: Vehicle loan or lease

I was never notified about missed payments or anything involving my account then they came XX/XX/XXXX and repo my car. I havent had access to my email on file in months because its been hack and I been trying to restore it with no luck what can I do.
Product: Mortgage

I XXXX XXXX made three payments toward modification then Wells Fargo foreclosed in XXXX. Bankruptcy attorney XXXX XXXX saved the house. Account XXXX. The same occurred in XXXX. XXXX XXXX XXXX XXXX proved mortgage fraud. Now in XXXX they have already forclosed. They separated the note from the deed.
Product: Debt collection

I followed the proper procedure and returned the automobile over to the car dealership. The amount claimed on the collection is the offset resulting from the return of the vehicle ; therefor, I do not owe anything. I also sent a letter asking to verify the debt and I have not received a corresponding letter back, but instead when I called, I was told that the allegded debt was sold in XXXX to XXXX XXXX XXXX ; of which, I have not received any documentation from.
Product: Checking or savings account

XX/XX/2022 I called Credit Karma to receive another refund they owe me. The 1st time I called the representative hung up on me. I called again & the Supervisor hung up on him when he saw that Credit Karma owes me {$76.00}. I received a credit on my account {$27.00} from XXXX which made my balance XXXX I spent {$2.00} which made my account XXXX The next day I received another XXXX for XXXX My account balance was XXXX Then I received unauthorized charges on my account for {$35.00}, {$7.00}, & {$19.00} which equals XXXX I was refunded XXXX They must have take the XXXX in my account for {$1.00}. 
Out of that balance {$64.00} I spent {$58.00} which left a balance of {$5.00}. So Im asking the Supervisor where is my XXXX He hung on me!!! Credit Karma needs to close there banking department.. They do not want to refund or listen to the consumer.. Theyre terrible!!!! I submitted my documents on how many times I called how long I stayed on the phone discussing my account just to get hung up on my a Supervisor. And I submitted my transactions.
Product: Payday loan, title loan, or personal loan

XXXX I called CashNetUSA.com at least 4 times to get information about the program, I also asked for the APR amount on each of the times of the calls. Each representative I spoke to never stated that the rate is 325 % until I spoke with a representative on XX/XX/XXXX. 
On each phone call, they confirmed the rate will not be high rate such as a payday loan company that charges 35 %, and that there will not be any hidden fees. 
They also kept telling me that I would have to sign up online before they can give me any other information due to they could not see anything on their end. 
I have been scammed into signing up for a loan with a 325 % rate. 
I would not have signed up to be paying on a loan from XX/XX/XXXX until XX/XX/XXXX this is unbelievable. When asked a few previous reps why it seems as if the payments are not being applied to the account, they did not give me any details or advise me on anything that can help me. 
When I spoke to the company again today, I was told I needed to read my contract, which is something I was never guided, never given, I only received guidance on submitting how much I want to borrow and how will I be making my payments.
Product: Credit card

I received a paper statement with a late charge. On XX/XX/2024, I transferred credit to my account from the points attached. On XX/XX/2024, I received a late charge, in which case my Autopay should have gotten in, and it did for {$25.00}. I called the Bank and told them I had paid {$50.00}. Why did I get a late charge? Communication is challenging. I only speak XXXX. Finally, I checked my Autopay status on the Bank 's website. My auto pay was removed from this credit card, not my other credit card at the Bank. 

Finally, I am asking Bank of America to waive the late Fee as a one-time Courtesy.
Product: Checking or savings account

I opened a new checking account with Citi online and immediately transferred a significant amount of money into it from a XXXX  XXXX XXXX account ( by visiting a XXXX branch in order to make the transfer ). The funds showed up successfully in my Citi account within a few days. Next, I attempted to pay a contractor from the Citi account using a verified XXXX account that I've had for years and linked to said new Citi account. The payment was denied. When I called Citi to find out why, I was told a security hold had been placed on my account but was not given a reason why ( one customer service rep out of the 5+ I spoke with said they tried to validate a public records phone number associated with my name ; I have had the same phone number since I was 15 and used it to establish the account so not sure why they would take this action ). Now, I have received an email stating that my account will be automatically closed within 60 days because I " have violated the terms of your account per the client manual '' and I will be mailed a check for the amount in my account. I would like to immediately pull my money out and transfer back to XXXX  XXXX XXXX, but they are not allowing me to touch it. I am at my wit 's end and have never been so frustrated! Citi is holding tens of thousands of dollars that belong to me hostage without any sort of explanation.
Product: Debt collection

This letter I am writing is to request that your company stop reporting an account that says it belongs to me, this account was opened without my permission and without my authorization. I request your company to block it from its collection systems and stop reporting this account to credit agencies. That is hurting me a lot. 
The account is : BMW FINANCIAL SERVICES ACCOUNT NUMBER # XXXX The information contained in this account is reported negatively in my credit report, With this complain I want make it clear that this account is not related to any participation made by me. Such transactions are the result of identity theft. 
Block this information from your files and send the required notice to all credit bureaus to stop reporting this account that does not belong to me. In addition to the fact that you are reporting an account opened for fraud, as you should know that it is illegal and wrong for you to report an account that can not be verified and incorrect information reporting under my name and my social security number, I have every right to request and require that these fraudulent accounts be blocked immediately. Pursuant to Federal Laws that protect me as I am a victim of identity theft and I provide a police report and all documents required by law to support this fraud, sections 605B and 611 of the Fair Reporting Act, which state that Your company must block fraudulent information from my credit report that is the result of identity theft within 4 business days and that you must immediately notify those who have my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an inquiry that's on my credit report inwhich I have no knowledge of and I tried to get these frivolous inquires removed to no prevail. I'm respectfully requesting documented proof, or please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I logged into my credit monitoring accounts to review my credit reports so I can apply for a loan in the near future. I noticed with Equifax there are several unauthorized Inquiries that I did not perform on my own credit. I upgraded my credit monitoring membership on XX/XX/19 and locked my credit reports with XXXX XXXX to block any further unauthorized activity. I wrote handwritten letters to each unauthorized credit inquiry and have not received any response from their agencies. OnXX/XX/2019, I wrote to Equifax advising of this issue with the creditors and have the tracking numbers for it to monitor. # XXXX-XXXX-XXXX-XXXX-XXXX, they received it on XX/XX/19 and per the Fair Credit Reporting Act, they have 30 days to investigate and/or block and delete the disputed inquiries. It is now XX/XX/19 and I paid {$29.00} to refresh my credit reports with my credit monitoring account and have had ZERO unauthorized inquiries removed. I am filing a complaint because I know my rights as a consumer and can not become a victim to the amount of time it takes to fix countless issues on my credit reports.
Product: Money transfer, virtual currency, or money service

The ICBC Bank said my card had already activatedbut when I used it at stores. The card showed unauthorized. I called to their bank which located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. They said they would fix this problem. However, after a week, the card still did not work. I call 4 times at least. The service attitude was horrible. They didn't listen to my problem, and hang up the phone. I thought it must be I called too much, but they can't solve this problem. Therefore, they choose to ignore this issue. They said the card couldn't use and all of their consumers had this issue. They don't how long they can fix this issue. This is ridiculous. A bank didn't how long they could let their consumers use their cards. Excuse me! And their bank located at XXXX XXXX consumers service was very mean to the consumers. I think they had a discrimination problem. They were very rude to the consumer who had an accent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently just released from XXXX, after 8yrs, only to find out that I been a victim to identity theft, my personal information has been seriously compromised and has left me in a rut. After reporting this thru the proper channels, I begun familiarize my self with the rules and laws of the FCRA. However, I chose this way first, demanding that the following unauthorized accounts be removed and blocked from my credit files. With Respect. 

1 ) XXXX XXXX XXXX {$630.00} 2 ) XXXX XXXX XXXX  {$720.00} 3 ) XXXX XXXX XXXX {$XXXX XXXX ) XXXX XXXX {$2100.00} 5 ) XXXX {$750.00} 6 ) XXXX XXXX XXXXce {$240.00} 7 ) XXXX XXXX XXXX {$2000.00} 8 ) XXXX XXXX XXXX   {$510.00} 9 ) XXXX XXXX XXXX {$180.00} 10 ) XXXX XXXX XXXX {$270.00} 11 ) XXXX {$11000.00} 12 ) XXXX XXXX XXXX  13 ) XXXX  14 ) XXXX XXXX XXXX XXXX 15 ) XXXX XXXX XXXX 16 ) XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> XXXX Driver License XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : XXXX XXXX XXXXXXXX [ XXXX ) Account # XXXX Routing # XXXX Regions Financial ( XXXX ) Account # XXXX Routing # XXXX XXXX XXXX  ( XXXX XXXX Account # XXXX Routing # XXXX I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. Im requesting the following information be deleted from Early Warnings Consumer report immediately! I've attached a copy of the report to this request. 

Thank you for your assistance Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion is inaccurately reporting public information on my credit report.

Unauthorized child support reporting is a violation of 15 U.S.Code 1681b and 1681a ( 3 ) ( A ).

The inclusion of child support obligations as a credit account is INACCURATE and a violation of the FAIR CREDIT REPORTING ACT Under 15 U.S.Code 1681b, a consumer reporting agency may only furnish a credit report if there is a permissible purpose. According to 15 U.S.Code 1681a ( 3 ) ( A ), a Credit Transaction must involve an expectation of repayment. CHILD SUPPORT obligations do not meet this standard, as they are court -ordered financial obligations and not credit transactions voluntarily entered into by the consumer. 

In XXXX XXXX Transunion XXXX XXXX, the court had addressed similar issues regarding the improper furnishing of consumer credit information. Reporting child support as a credit account MISREPRESENTS its nature, unfairly impacting my creditworthiness. 
ALL CREDIT REPORTING AGENCIES SHOULD NOT BE REPORTING INACCURATE PUBLIC INFORMATION THAT IS NOT COMPLIANCE WITH FEDERAL LAW ON A CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7800.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

On XXXX XXXX, I mailed a letter requesting cancellation of PMI. I provided information regarding the percentage of the loan to the original value of the home along with an offer to make a XXXX time flat principal payment to get the loan to the 80 % mark as required. Today I contacted Greentree and they stated they imaged my letter on XXXX XXXX. The representative stated she would request that the escrow department take a look at my letter and they should get back to me by XXXX XXXX. This seems rather long to process a request such as this.
Product: Vehicle loan or lease

I am filing a complaint with CFPB today regarding the Toyota Motor Credit/Toyota Financial and all of the revolving entities surrounding my auto loan separately, but they have all dropped the ball. I have had an auto loan with Toyota Financial for 3 years. Throughout the loan I have had a few medical issues that resulted in loss of hours at work. I have continuously asked Toyota Financial for assistance with lowering my payments after being denied refinancing assistance by my back XXXX XXXX back in 2021 when I first purchased my XXXX  XXXX. I have been unable to get any assistance from the customer service representatives that work there and have been offered a call back from supervisors with no return call. I have requested a lower payment option or information of where to go on almost every call I have made which is at least once a month for 3 years when I make my payment 's. This absurdly high car payment is a financial strain but i continue to make payments. There is no reason that I should not be able to take advantage of a deferred payment option which i have been denied as well. I have been a customer for 3 years faithfully and am seeking any advice or assistance that will allow me not to totally ruin my credit as that is the road I am headed. I do not believe that there is nothing that can be done as far as assisting with a lower auto payment. I am not asking for a handout I don't mind paying, and I am only requesting a lower payment which will make my loan longer and that is ok. I have not been able to get my vehicle refinanced due to the slow payment or late payments that I have made so this is my last option. Thank you for listening.