23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Chase Bank ( JP Morgan Chase & Co ) had a " Chase Offer '' for the XXXX XXXX credit card that I have. The offer was for XXXX XXXX XXXX XXXX ; 10 % cash back, up to {$100.00} back. They require customers to opt in the the offer, which I did, and then complete a purchase on or before XX/XX/2024. I had already booked a XXXX XXXX XXXX XXXX stay before the offer became available, so when I was in the lobby of the hotel prior to checking in on XX/XX/2024, I opened the Chase banking application on my phone and verified that the offer was through the XXXX XXXX credit card and not my other Chase credit cards so I would get the {$100.00} cash back offer. I had my girlfriend look at the application with me to verify I was looking at the right credit card account. 

Our check out date for the hotel was XX/XX/XXXX, and XXXX XXXX and XXXX initiated the charge to the credit card on XX/XX/XXXX, the last day of the Chase offers. My charges were over {$1000.00}, so that qualified me for the entire {$100.00} cash back. In the days following, the XXXX XXXX took longer to settle than any credit card charge I've previously had with Chase. The official charge date did finally settle and correctly listed it as XX/XX/XXXX. By XX/XX/XXXX, I still had not received the promotional cash back credit, so I called Chase Bank customer service. The employee I spoke with said he saw the promotion I was speaking of, but the transaction was still within the 14 business days needed to process the cash back. I saw the employee was correct as it had only been 10 business days since the charge. The employee asked me to call back if I still didn't receive the cash back by Friday XX/XX/XXXX. 

By XX/XX/XXXX I still had not received the promotional cash back for {$100.00}. I called Chase customer service back on XX/XX/2024. I asked them to give me the {$100.00} credit that was due to me. The woman I spoke to could not find the promotional offer I was referencing, and now the offer was no longer visible in my Chase Offer " wallet, '' where it should list any offer I opted in to, even if they were not used or expired. She said she would escalate the incident so I could receive my promotional credit. Later in XXXX I received a letter dated XX/XX/XXXX, stating I didn't notice qualify for a promotion that earns me credit card points for booking multiple travel charges ; this offer had NOTHING to do with the XX/XX/XXXX offer I was referencing on my 2 prior calls to Chase Customer service. 

On XX/XX/2024, I called again to Chase customer service. The explained the situation again to the employee I spoke with and the incorrect letter I received. I asked again for the {$100.00} credit that was due to me, and the employee refused to give it I to me. Today, XX/XX/2024, I received an email stating I had a letter that was once again denying me the {$100.00} promotional cash back credit. 

After researching online, I have come across other customers who have also been denied cash back offers from Chase Bank for other offers. 

Please investigate and get me my money.
Product: Money transfer, virtual currency, or money service

I came into this location last night XX/XX/2018 to send an emergency money wire. there was a mistake made where the funds were sent as a pickup in Illinois instead of Nevada which was listed on the original form. My party was not able to pickup the finds in the time she needed them and she had to acquire the funds elsewhere. The western union store rep changed the pickup location but by the time my party had got the funds already. I called into Western union today to discuss the situation and was met with a rude foul representative that refused to refund the fees for sending the money claiming that the company did perform the services even though the finds were sent to the wrong state initially and my party was not able to refund the money. I informed the western union phone rep that i would no longer use western union services since they were stealing service fees from me at this point for services that were originally not performed.
Product: Checking or savings account

I was trying to transfer money from Capital One to another bank account on XX/XX/year>. I usually do it through a transfer balance on capital ones website. It would not allow on Monday as I had to make deposits to my XXXX  account because I had pulled all my cash from that account to buy a car. I need to replace the money to my checking from my savings to cover my XX/XX/year> bills. Capital one s rep said they were having issues on Monday with everyones account not being able to transfer. They also said there was nothing they could do to assist me getting my money. So they said wait until tomorrow XX/XX/year> the problem should be fixed. Today Monday, I tried it again and it would not work. I called another rep. who could not help me with making a transfer. So I asked for a manager XXXX. She basically told me there was something wrong with my linked accounts and there was nothing the bank could do to help me get my money and Id would have to wait XXXX business day not including weekends to get my money. There is also not a brick and mortar bank where I am so I can not go to a local bank and get my money. I will have bills drafted before the XXXX business and it will create a mess with my amount with no funds when they draft. Please help capital says there is nothing they can do and they will not cover my costs of over drafts on the other account if it happens. I have XXXX in that account that I can not acces. Please help.
Product: Mortgage

Shellpoint Mortgage has reported a false information to us about a foreclosure sale date. They told us that there is a sale date on the property, but there is none. We have submitted an offer for a short sale and they advised us that because of the foreclosure sale date on XXXX/XXXX/2016 they can not review the offer, but we have called and they advised us that there is NO SALE DATE. I do not know why they would lie to us about something so important as sale date. The buyer is willing to pay what what the investor is looking for, but they gave us wrong information. PLEASE HELP US
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting another CFPB Complaint to express my strong objection to the fraudulent items on my credit report, and I demand their immediate and unconditional removal from it. As per the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the credit bureaus ' responsibility to ensure that the information they report is accurate. The presence of these fraudulent items on my credit report is causing significant harm to my creditworthiness, and I urge you to rectify this situation without any further delay. I want to make it clear that I have already reported this fraudulent activity to the relevant authorities and have provided all the necessary documentation to prove that these items are fraudulent. I have also requested the creditors responsible for these fraudulent accounts to investigate the matter and remove them from my credit report. However, despite these efforts, these fraudulent items are still showing up on my credit report, causing me extreme frustration and financial hardship. I need the following items removed as soon as possible : XXXX  XXXX Balance : {$130000.00} XXXX XXXX  XXXX Balance : {$6300.00} XXXX XXXX  XXXX Balance : {$8200.00} XXXX XXXX  XXXX XXXX Balance : {$440.00} XXXX  XXXX Balance : {$120000.00}. This is a blatant violation of my rights under the FCRA, and I demand that you take immediate action to remove these fraudulent items from my credit report. Furthermore, I expect written confirmation of the removal from you.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service. and unfair practices, which violate the Consumer Finacial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply under with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

on or about XX/XX/XXXX I placed an order for some curling irons, via my XXXX XXXX XXXX XXXX, XXXX XXXX, order was placed over the phone, & my XXXX XXXX XXXX XXXX, was used to pay for this order. Invoice XXXX was created. On XX/XX/XXXX I received some of the items I order, along with the invoice for what was shipped out. Invoice reads total amount charged to the card {$140.00}. 

I went online for Comenity Capital Bank, to make said payment. However, the total amount Comenity Capital Bank billed for this invoice on the statement {$140.00}. 
I called in multiple times and spent more than 4 hours total being transferred all over the place. I have been advised someone would call me back, no one ever has. On XX/XX/XXXX XXXX in Purchasing said it was interest. But I have never held a balance, always pay immediately. Then he advised it's customer service, and wanted too transfer me back to them. I just spent 2 hours with them and they transferred me to Purchasing. 

On XX/XX/XXXX I purchased items with a total of {$180.00}. But when I get my statement I have to pay {$180.00} else. Not {$180.00}. 

Today XX/XX/XXXXXXXX  My credit score dropped by 10 points because my debt increased. Comenity Capital Bank reported that I carried over a balance, and charged me {$2.00} interest on the {$1.00} they over charged my on my XX/XX/XXXX purchase. 
If I would have used nay other card that day, the sale would have been over & done. XXXX would have received their {$140.00} for the items I received. 

If Comenity Capital Bank rounds up purchases by a XXXX and we pay it, think of all the free money they get. That worked for them in XXXX. So for XXXX they try to get an extra {$1.00} with no explanation, no rhyme or reason. It's stealing and hoping no one notices.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing part of the fraudulent information from my credit file, but their is still unresolved account that should be removed. Under FCRA Section 605, you are required to remove any inaccurate account. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Checking or savings account

I was using my XXXX debit card to withdraw {$450.00} dollars here in Texas, league city. The ATM I used is located at XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX. The day was XX/XX/2023 at XXXX central time. 
When I try to withdraw the money the ATM machine just show a legend on the screen saying that there was a problem and the withdrawal will not be possible or something equivalent to that, The ATM didn't give me a receipt assessing the issue. I received two emails from XXXX instantaneously saying that my withdrawal was successful. 
I walked to the bank XXXX to let them know what happened and especially because I received those two emails saying that my withdrawal was successful. The lady in the front and the manager told me that the ATM was independent of XXXX and they can't help me, but assured me that the issue should be resolved in a few days, and I should not worry. 
That ATM malfunctioned and someone later put up a sign, so no other customers try to use it. 
I waited 10 days and the money never came back to my original account in XXXX. I called and I submitted a complaint and investigation about the issue. The money was put back in my account but I received a letter saying that the investigation is taking longer but the money will be charged if they find that the complaint should not proceed. 
A few weeks later the money was charged because they say that the complaint didn't proceed. 
I called back and they ask me to put a complaint in the special unit of client attention, And I followed the process with the letter, documentation, and all I could think of to submit. Weeks later, I got an email saying that my complaint doesn't proceed because the ATM didn't show an error dispensing the money. 
The ATM is run by XXXX debit access, XXXX. The day of the problem was XX/XX/2023 at XXXX XXXX time.
Product: Mortgage

First, I would like to comment, I have been filing complaints since XX/XX/XXXX Complaint Number : XXXX. S.P.S. is totally disregarding all complaints and NOT ANSWERING, my concerns. The last complaint was closed out with, CALL OUR FORECLOSURE LAWYER. This kind of behavior is UNNACCEPTABLE, S.P.S. seems to not understand the complaint, or choose not to, and we let these companies take hard working people 's homes from them? Complaint 1, Why did you S.P.S. close out the account in XX/XX/XXXX, with the Credit Reporting Agency, XXXX, as, DEED IN LIEU OF / BANK LIQUIDATION. ( see attached photos ). Complaint 2, I had the Attorney Generals office of XXXX XXXX, fax over to S.P.S. ALL of my financials and you S.P.S.  do not even acknowledge getting them other than in the last answer to my complaint you stated that they were not ledgeable. Impossible as they were mailed out to the Atty General 's office and then you, S.P.S. NEVER NOTIFIED ME, that you got them nor requested additional copies as YOU, S.P.S. had no intentions on working this issue. Oh, I did call YOUR LAWYER, S.P.S. and they told me that YOU, S.P.S. tell your customers ALL THE TIME TO CALL XXXX and XXXX, I did speak to them this morning, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$24000.00} XXXX  XXXX Balance : {$24000.00} XXXX  XXXX Balance : {$24000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX Account # XXXXXXXXXXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXXXXXXXXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX Bank on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Debt collection

On XX/XX/2022 I received a certified letter from XXXX XXXX XXXX XXXX stating they are going to garnish wages from my job from a judgement placed against me because of this judgement and living at the time on XXXX due to a XXXX. I filed XXXX XXXX bankruptcy, they still called me and my wife to debtor examination, once we arrived they called us by name and released us stating " you have filed bankruptcy you are released from the debtor examination '' My wife and I have taken the bankruptcy courses and via telephone was examined by the trustee for the bankruptcy. After receiving the wage garnishment paperwork from the XXXX XXXX XXXX, I called them and asked why they where trying to garnish my wages for a judgment I have formally filed bankruptcy on. The Collection Agency knew from the beginning my wife and I filed bankruptcy but during the call pretended they had no idea and perused the matter. Finally towards the end of the call the agent said he would check the bankruptcy story and to disregard the wage garnishment paperwork if I indeed file bankruptcy and if I didn't they would move forward with the wage garnishment. I told them future communications needed to be done through my attorney XXXX XXXX. The next day I received a phone call from the XXXX XXXX XXXX requesting payment for the judgement in which I filed bankruptcy on I again informed them that I have already filed bankruptcy and who my attorney was and hung the phone up. It was brought to my attention that XXXX XXXX XXXX XXXX  has a reputation of playing fast and loose with the law and going after the poor because they know they can get away with it with no consequences. I was made aware of this site and that filing a complaint could hold them accountable.
Product: Credit reporting or other personal consumer reports

Todays date XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccuracies in Credit Report, File ID : XXXX To Whom It May Concern, I am writing to dispute inaccurate information reported on my credit report. Despite previous communications and your recent investigation, the errors on my report have not been resolved in accordance with the Fair Credit Reporting Act ( FCRA ). 
This is the list of all the errors and violations that your office is reporting : 1. Inconsistent Delinquency Reporting doble late payments : The report shows delinquency statuses spanning 30, 60, 90, and 120 days late for various months in XXXX. According to my understanding, it is implausible and erroneous to have all these levels of delinquency reported within the same year for a single account. This inconsistency violates Section 607 ( b ) of the FCRA, which mandates that consumer reporting agencies must ensure the accuracy and integrity of the information reported.

2. Continuous Charge-Off Reporting : This account has been repeatedly marked as Charge Off from XX/XX/XXXX through XX/XX/XXXX, without resolution. Repeatedly reporting the same charge-off every month is misleading and may suggest an ongoing delinquency when, in fact, the debt has already been charged off. This practice could be construed as a violation of the FCRAs accuracy requirements. 
3. Date of Last Payment and Closed Date : The report states the last payment was made on XX/XX/XXXX, and the account was closed as of XX/XX/XXXX. It is not possible for the account to have a last payment date that is later than the date it was closed. This inconsistency requires immediate correction as per FCRA Section 611, which gives consumers the right to dispute and correct inaccuracies. 
In accordance with the FCRA, I demand the following actions : Immediate correction or deletion of all inaccurate delinquency records for this account. 
Removal of duplicate charge-off entries to reflect a single, accurate charge-off date. 
Correction of the payment and closed date discrepancies to reflect the true status of the account. 
Failure to address these issues will compel me to seek further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies. Please provide a detailed explanation of each correction or deletion made. Additionally, I request a current copy of my revised credit report reflecting these corrections, free of charge, as per my rights under the FCRA. 
Thank you for your prompt attention to this matter. I expect a response within 30 days, as required under FCRA Section 611.
Product: Vehicle loan or lease

on XX/XX/23 I pulled my consumer credit report and found Toyota Motor Credit is inaccurately reporting a 30 late payment on my account.

I did not give permission to furnish this information to any Credit Reporting Agency according to 18 USC 1028 ( a ) this could be a violation The furnishing of this inaccurate information has harmed me. Debtors can not furnish performance reports without expressed written permission from the consumer. 

I was not given a 5 day notice before reporting this item to a credit reporting agency.
Product: Checking or savings account

I filed a claim in XXXX with Bank of America due to fraud on my account. I have received half info from both the Claims department as well as the Risk department on the time frame of the claim. I was told 30 days, then 90 days, then 60 days. I reached out to the claims department on XX/XX/XXXX to get the claim expedited so that I can close the account. I was told on that day day that they will have it done within 72 hours. On XX/XX/2021 I contacted Bank of America 's claim department to check on the status of the expedited claim and was told at that time that there was no hold on my account and that I could go into the bank to withdraw the funds. Once I got to the branch, the bank manager could not complete the transaction and was giving a direct contact number to call. Mind you I was transferred four times between the Claims department and the Risk department prior to me going into the branch. The bank manager was on hold for almost 45 min. and then the call dropped as soon as someone picked up. I then contacted the Risk department again and was told that once the money posted to the account they would be able to assist me with going into the branch to receive the funds. I called the risk department on the morning of XX/XX/2021, this is when I learned that a request had to be submitted and it would take 3-5 business day before they get a respond to the request to get my funds released and that all request are not granted. 
The lack of communication between the departments, the half given information to the consumer and the fact that they will not close my account is unacceptable. I am over this bank, I'm over the repeated fraud attempts that someone is making on my account and they fact that they will allow money to be deposited, but not withdrawn is hard for me to understand.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX