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

The following occurred on XX/XX/2018. An advertisement on the online banking portal indicated I qualified for a {$25.00} gift card. The exact wording was " As of your last statement, you've earned enough rewards for a {$25.00} XXXX  giftcard. '' After believing this to be true, I followed the hyperlinked " redeem now '' button, I was taken to a different product or service from online banking called Chase Ultimate Rewards. I attempted to redeem the {$25.00} XXXX Giftcard, and I was, in fact, not eligible. I went back to the regular Chase online log-in to see if I misread it. The same advertisement popped up again, this time for a {$25.00} XXXX XXXX  Giftcard. I repeated yet again and got an advertisement for a {$25.00} XXXX Giftcard. After clicking redeem now and taken to the Ultimate Rewards program, I was not eligible for a XXXX XXXX  Giftcard, and I was only eligible for a {$5.00} XXXX Giftcard. 

I believe this to be a clear case of a deceptive action known as " Bait and Switch ''.

The three prongs of deception are met in this instance : 1. There must be a representation, omission, or practice that misleads or is likely to mislead the consumer.

I was misled to use the Ultimate Rewards program based on a misleading representation. My intent was to use only online banking, and the advertisement lead me to an entirely different program.

2. The act or practice must be considered from the perspective of the reasonable consumer.

Admittedly, I am not a reasonable consumer. However, the advertisement was clear and deceptive. Anybody reading the words " As of your last statement, you've earned enough rewards for a {$25.00} XXXX  Giftcard. '' would believe they have earned a {$25.00} Giftcard to XXXX.

3. The representation, omission, or practice must be material.

This is an express claim about the benefits of Chase 's Ultimate Reserve program. This claim misled me to use a program I did not intend on using at the time. If I was ineligible for the reward, Chase should have stated that fact with the advertisement
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial 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 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: Debt collection

Someone named " XXXX XXXX '' was calling my cell phone repeatedly. She then began to call my office phone repeatedly. She was harassing me, threatening to sue me, to call my payroll department, and cornered me into giving her a payment arrangement I knew I could not make. I explained to her I am a single mom, sole provider to my XXXX sons and she said I do not have a hardship. " More money more problems '' is what she said. She called me repeatedly since XXXX 2017. She called from various phone numbers. The original loan was from XXXX, who sold the debt to This company. This lady did n't tell me the name of their company. I only know it to be " XXXX '' as that is what shows up on my bank statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my Credit Report and I have noticed a lot of inaccuracies on the accounts being reported to be derogatories and having been sending prior complaints that were not being replied to by the Furnisher or being questioned by TransUnion. Thus, I am requesting your assistance to help me block or delete the items being unknown and erroneous. Also, there should be signed documents or any kind of proof to certify that both parties mentioned have conducted a proper investigation. Below are the items I believed to be erroneous and unknown. 
DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$5800.00} U S DEPT OF EDXXXX XXXX XXXX : {$3200.00} Date Opened : XX/XX/XXXX U S DEPT OF EXXXX XXXX XXXX : {$3100.00} Date Opened : XX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXX : {$5900.00} Date Opened : XX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXX : {$1700.00} Date Opened : XX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXX : {$3300.00} Date Opened : XX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXX : {$2500.00} Date Opened : XX/XX/XXXX U S DEPT OF EXXXX XXXX XXXX : {$350.00} Date Opened : XX/XX/XXXXXXXX U S DEPT OF EDXXXXXXXX XXXX XXXX : {$3700.00} Date Opened : XX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXX : {$3700.00} Date Opened : XX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXX : {$670.00} Date Opened : XX/XX/XXXXXX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXX : {$2300.00} Date Opened : XX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXX : $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX  Date of InquiryXXXX XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit card or prepaid card

Did not send rewards as promised on purchases and charges on cards that were not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint involves XXXX  ; XXXX  and TransUnion credit bureaus. I recently have filed several complaints against each of the referenced credit reporting bureaus. 
Each of the agencies is dismissive and claim they will not conduct subsequent investigations even though they have not conducted a reasonable investigation from the start. In each of the cases in which I have alleged fraudulent activity on credit cards, I provided both local and federal law enforcement reports, provided a federal report of a privacy and data breach, and finally that my information was being farmed on the dark web. Each of the credit bureaus, XXXX and XXXX XXXX XXXX XXXX have failed in their duty to me and to others. If CFPB fails as well, there will be no doubt the financial, credit and regulatory organizations are in one accord to defraud the nation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the week of XX/XX/2023 I was shopping for a mortgage and multiple hard inquiries were listed on my credit report as a result. I want my score corrected and the hard inquiries removed since I shouldnt have taken multiple hits against my credit score ( with no changes, and decreasing debt ). Ive lost almost 70 points on my credit score FOR NO REASON since XX/XX/2023. There is a grace period of 14-45 days given when people shop for mortgages that I was not given. I want these errors corrected immediately. Additionally, XXXX has made it impossible for me to check dispute results by removing the option for me to view them electronically ( after verifying the account ). I can see everything else and even submit, but if I want results they want me to request by mail or call them. We live in the 21st century and I dont recall them sending me mail or calling me to ask if they could add incorrect entries on my credit report I dont expect to be put through any additional inconvenience by XXXX because I chose to file a dispute.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX :, Account XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. All these accounts listed above. Has violated my rights.

15 U.S.C 1681 section 602 A. States i have the rights to privacy.

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

Its absolutely infuriating to see inaccurate accounts on my credit report. These accounts have been dragging my score down for far too long, and its impossible to ignore how much theyve impacted my financial life.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations https : XXXX The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity all company in violations
Product: Credit reporting or other personal consumer reports

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of XXXX XXXX. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of XXXX XXXX. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX To Whom It XXXX Concern, I am writing to follow up on my previous dispute regarding inaccurate information that is still being reported on my credit file, despite my prior request for removal under the Fair Credit Reporting Act ( FCRA ). 
In accordance with the FCRA, I am entitled to have inaccurate or unverifiable information removed from my credit report. I previously identified the following accounts as incorrect and requested their removal : XXXX XXXX XXXX  Account Number : XXXX The specific inaccuracies in these accounts include : Date of Opening : The reported opening date is incorrect. 
XXXX XXXX : The listed credit limit is inaccurate. 
Last Reported Date : The last reported date does not match any legitimate records. 
Last Date Active : The listed last date active is inaccurate. 
Last Date of XXXX : The reported last payment date is incorrect. 
Payment History : The payment history does not reflect actual transactions. The reported cancellation of debt does not accurately reflect the circumstances under which the debt was canceled. Debt was Canceled by Insolvency/Other. Due unforeseen events and are now counted as Income on my 1040 Tax Form, and as such, it should not impact my credit report negatively. Furthermore this is a Tax Implications Misrepresentation. The reporting of this debt may have tax implications that do not apply in my situation, and therefore, it should not be reflected in my credit report.

Despite my formal dispute, these inaccurate entries remain on my report. Under the FCRA, if the information can not be verified or is found to be inaccurate, the credit reporting agency is required to delete, this obligation was not fulfilled.

I am requesting immediate action to correct this situation. Failure to comply with the FCRA may result in further action on my part, as my credit report is continuing to reflect erroneous information that is harmful to my financial standing.

Please provide written confirmation that these inaccuracies have been investigated and removed from my credit report. I have once again included a copy of my credit report with the disputed information highlighted for your reference with proof. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report Number : XXXX XXXX XXXX which is attached. Please block and remove all information from my credit report and send me an updated copy of the credit report. Under 1 5 USC 1 681 c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below. XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX
Product: Debt collection

debt validation letter was sent to Resurgent Capital Services at the same address on XX/XX/XXXX and letter was returned undeliverable
Product: Credit card

In XXXXXXXX XXXX XXXX XXXX, I formally requested the closure of my father 's account following his passing. During the process, the company mistakenly closed my account instead of his, even though we share only the same first and last name. Our birthdays and middle names are completely different, which should have been sufficient to prevent the mix-up. In fact, the company even verified my middle name when looking up my account. I was able to resolve the issue at that time and have since made regular, on-time payments on my card. 

However, I recently discovered that my account was closed again without any notification, and I was sent to collections despite my continued payments. I was never informed about the account closure or the collections action, and I continued making payments as normal. When I contacted the company to address the issue, I was told I would need to provide a notarized letter from my bank confirming that I am alive, which seems unnecessary given the companys initial error. I am seeking an immediate resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and vou are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Mortgage

I have a mortgage with Caliber Home Loans, which calls itself a collection agency rather than a bank. On two recent occasions, I made my regular monthly mortgage payment to Caliber and they did not deposit the payment, claiming that it was not associated with my bank account properly. They charged a late fee on both occasions. I fought to have the first late fee ( XX/XX/2016 ) reversed, but they have refused to reverse the second fee. The payments were made using my personal checking account, which I have had for many years and which has not changed in any way. Other payments from that checking account were cashed routinely without a problem. I suspect that Caliber is using the claim of " no account '' to add late fees to my, and perhaps other accounts.
Product: Mortgage

We have been receiving demand letters from Nationstar every month, for over a year. Same letter but amount we owe changes every month. We have asked Nationstar countless times to explain how & why they came up the amount they say we owe ... They say we are missing previous month 's payment yet we have sent in payments & they have been cashed & cleared every month. No one at customer service can give us a straight answer. They say research department will get back to us but we never ever get a call back. We feel we are being progressively harassed every month. 
Want to see our payment history, where our payments being applied to. If missing payment, tell us which month we will provide copies of clear check.
Product: Mortgage

I am retired and have had my mortgage sold by XXXX to Carrington Mortgage ( which I had no say in ). Now Carrington Mortgage after more than a year is charging me a convenience fee unless I make the payment an automatic bank draft payment. I have been paying online since they acquired my mortgage and have not missed a payment or been late. I have a sizable mortgage and adding more fees onto that payment in order to force me to attach them to my account is ridiculous. They are making {$1600.00} in interest already, and it seems this practice should be illegal. Everything I read tells me they can not force me to make an autodraft from my bank account. Please advise, as I am afraid if I am forced to make this autograft to avoid fees, may cause them to try an pull from an account that may not get retirement pay deposited on time and cause an overdraft/insufficient funds situation for a situation out of my control.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX ask that these hard inquires be removed off my credit report. Thank you so much i will send in my id with police report that i lost my identification. This is fraud please remove it offf my credit report. Experian credit report Hard Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. I have sent all required documents to the bureaus as attached. which are my driver license, social security card, current bill police report and also letters to each bureau with fraudulent account noted. and none of the accounts where remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on my credit reports for a incorrect charge off/collections account and it has still not been removed from my credit report. The creditor purposely listed incorrect debt amount and reported the account as derogatory on my credit report. The credit limit was for {$800.00} and the charge off/collection derogatory amount reported is {$1300.00}. They have sabotage my credit report by listing false information and have damaged my credit score as well as my ability to get credit.
Product: Credit reporting or other personal consumer reports

Date : XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Complaint Regarding Identity Theft Due to Data Breach Dear CFPB, I am writing to formally file a complaint regarding identity theft that I experienced as a result of a recent data breach. This incident has caused significant harm to my personal, financial, and emotional well-being. 

Details of the Incident : Name of Company/Organization Responsible for Breach : Credit Karma, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Data Breach : XXXX Type of Information Compromised : [ e.g., Social Security Number, financial account information, drivers license, etc. ] Description of Identity Theft : Since the breach, I have discovered that my personal information has been used without my consent. Specifically : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have taken the following steps to address this issue : Reported the identity theft to the Federal Trade Commission ( FTC ) and obtained an Identity Theft Report. 
Contacted the companies involved to dispute fraudulent accounts and charges. 
Placed fraud alerts and credit freezes with the three major credit reporting agencies ( XXXX, XXXX, and XXXX ). 

Impact : These fraudulent activities have negatively impacted my credit score and caused considerable distress. Additionally, I have incurred financial losses and spent significant time resolving these issues. 

Request for Assistance : I request that the CFPB take the following actions : 1. Investigate this matter to ensure that the responsible organization is held accountable for the breach.

2. Assist in ensuring that the fraudulent activities are resolved, and my credit report is corrected.

3. Advise me on any additional steps I should take to protect my identity and financial well-being. 

Enclosed are copies of the following documents to support my claim : Police report ( if filed ) FTC Identity Theft Report Thank you for your time and attention to this urgent matter. Please feel free to contact me at [ XXXX ] or [ XXXX ] if you require additional information or documentation. 

Sincerely, XXXX XXXX