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

On XX/XX/2022 I logged into the Chase Ultimate Rewards portal and saw an offer for a 30 % bonus to transfer points to XXXX XXXX XXXX, advertised as follows : 30 % Bonus Points Limited Time Offer! 
Get your Bonus XXXX Points today Limited time offer : Get 30 % Bonus XXXX Points when you transfer points through XXXX XXXX  on XX/XX/2022. 

Upon completing my transaction to transfer XXXX points, I noticed I did not receive the 30 % bonus. I then contacted Chase Support and found out the offer does not BEGIN until XX/XX/2022 at XXXX XXXX  and thats why I did not get the bonus. This is clearly FALSE ADVERTISING.
Product: Credit card or prepaid card

I am trying to have a late charge removed from my credit report that was placed by Navy Federal Credit Union. I have contacted them and disputed this information because I payed the late charge before it went to collections and was told that there would be no impact to my credit report because I did so. This happened in XX/XX/XXXXand I have been trying to resolve this ever since and Navy Federal refuses to resolve this issue. When I request to speak with a manager I am told they are not required to transfer me and they are going to terminate the call. I was never notified that I was late even know I gave the account alerts set up. I have never missed a payment with them since or before this incident. I am disagreeing with it being over 30 days late. Again I just want them to honor what I was told when I called and made the payment.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. As a member of the XXXX XXXX I normally stay XXXX in XXXX. 
These addresses were used to open accounts in my name : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Enclosed is a copy of a FTC report and a Police report stating the items that were opened in my name. These accounts have resulted in several fraudulent addresses appearing on my consumer XXXX credit report. I've attached a list of the addresses in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent addresses. I do not recognize the aforementioned addresses as reported. The aforementioned addresses appearing on my consumer credit report maintained by you were not initiated by me. All of the aforementioned addresses are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned addresses are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : XXXX XXXX : XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to CFPB:XXXX Todays Date : XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX FL XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is a late payment, as reported by XXXX. 

This delinquent account record is inaccurate because in XX/XX/XXXX and XX/XX/XXXX fraudulent charges where made which followed to XX/XX/XXXX. They have charged me for that with interest. Whatever payments I was making was for fraudulent charges, on XX/XX/XXXX there were a lot of charges made on that month you charged me for. the money they said i owed for XX/XX/XXXX, I did not owe. They owe me money when those payments would be unsure of because of interest charges on the unclear amount.i did not owe october because they didnt know what I owed for XX/XX/XXXX. I had fraudulent charges in which they agreed to in their investigation. they are focusing on the wrong stuff. Furthermore, I need a proper reinvestigation into this matter, because what they are replying to has nothing to do with my dispute.. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent. 

I have included copies of them agreeing to credit my account back for charges made in XX/XX/XXXX month ( in which theyve recorded i did not pay for charges that were not made by myself. 
Please investigate this matter and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCT # : XXXX SSN : XXXX XXXX : XXXX ID : XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX Dear XXXX : I recently received a debt collection notice from your office with an account number # XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : My payment was made on time, as evidenced by my bank statements and payment confirmation receipts from my bank account, which clearly show that the payment was processed and sent before the due date. 
Despite this, the late payment was inaccurately marked on my credit report. 
I provided this information along with supporting documents but despite my adherence to the dispute process within the Fair Credit Reporting Act, XXXX, XXXX, and Equifax have failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

My Dept of Ed/Nelnet student loan account has been paid in full since XX/XX/2023. I uploaded documentation to Consumer protection bureau site. XXXX is REFUSING to show my nelnet student loans as showing paid in full even with the proof provided. They have 5 days to show all of these accounts with XXXX balance paid in full and close. Or I am seeking legal action.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally dispute the accuracy of information on my credit report maintained by your bureau. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, I have never provided written consent for the furnishing of my personal information or for any third party to obtain my information for the purposes of credit reporting. 

Please investigate this matter promptly and remove any information from my credit report that was reported without my consent. I request that you provide me with a copy of the investigation results once completed. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of serious concern involving fraudulent inquiries made under my name appearing on my credit report. These unauthorized actions pose a significant risk of identity theft and financial fraud, and I urgently request your intervention to address the issue. These inquiries were not authorized by me and have the potential to damage my personal and financial reputation. This has been really distressing for me and making me anxious.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to XXXX was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) XXXX Balance : {$320.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

I have send certified letters to ATG regarding the alleged education debt on XX/XX/XXXX, certified letters to XXXX, XXXX and XXXX XXXX regarding the debt and have not received any resolution. 
I also sent a certified letter ( on XX/XX/XXXX ) requesting evidence and verification of the debt and ATG sent incomplete verification, debts in a different amount than what they are showing as a collection on my credit report and they are trying to collect funds from a VERY OLD DEBT from XX/XX/XXXX. This alleged debt that is incorrectly showing on my credit report is from XX/XX/XXXX ( 7 years ago ) so it is a very old debt as well. 

Please help me in getting this fixed with ATG.
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 Capital one bank NA XXXX XXXX XXXX XXXX XXXX XXXX Capital onXXXX XXXX XXXX XXXX XXXX I request that these inquiries be removed from my report because were not authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a digital app on XXXX that provides personal lines of credit. I have used them for about 1 year. I had a 100 % payment history until XX/XX/XXXX when their app had technical issues and it disconnected my bank account information from the autopay settings that were established. There was no notification of this disconnection until I tried logging into the app and I couldnt because it was having issues. I tried contacting them and no one responded for weeks. I even tried calling them, but they do not have a live costumer support service. It is all through email on their website. After a couple of weeks I finally received a response and was provided a link to make a one-time payment. I did this on XX/XX/XXXX. I advised them I was worried that the technical issues with the app would cause a payment delay because the auto-pay wasnt working and I asked them not to report any late payment to the credit bureau XXXX I paid them on XXXX XXXX. We'll on XX/XX/XXXX and XX/XX/XXXX of XXXX I logged into XXXX XXXX and found that they did report negative payment history to the credit bureau and it tanked my score by over XXXX points. I have noticed on their XXXX page that multiple people have had issues contacting this company and getting timely responses ; I am not the only one. How is this fair? Their app is the one that had technical issues and destroyed my 100 % payment history. Also, how can the US government think it is fair to allow companies that do not have live customer service operations to be able to report to the 3 credit bureaus. If you cant talk to someone live in person to help on an issue, and the best you can do is try to get ahold of someone thru email with a very questionable response rate, how is that right? I am trying to find a new apartment right now for me and my XXXX year old son. I need good credit to get a good apartment. This company just destroyed that!
Product: Mortgage

I noticed when I was looking at my mortgage account for a possible payment for the month of XXXX that my mortgage amount went up from the original amount. 
Also, I noticed some extra charges on my account even though I do not have an escrow account. 
When I spoke to a Wells Fargo Mortgage last month about possibly resuming payments when the mortgage deferment ends, I did tell her that I do not have any income and not sure, but I will do my best to make the payment for XX/XX/2021 payment. 
The mortgage monthly payment I noticed is incorrect and has been raised by a few hundred dollars. Also, I have never had a mortgage escrow amount, since I have had my mortgage with Wells Fargo. I do not know why they added extra charges to my account. I pay my property taxes separately and home owner 's insurance separately as well. In addition, when I have asked them for some options, they have not provided any and also reported late for both my and my wife 's credit reports. I do not understand how this bank continues to mess up my mortgage account and my credit reports. 
Is there legal action I can take to rectify this situation?
Product: Debt collection

I have a home improvement loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX WISCONSIN XXXX. My payment for the month of XX/XX/XXXX was 3 weeks late the day after I paid the bill. I received a notification from my credit monitoring service that XXXX XXXX XXXX made a hard inquiry to my credit report and my wife 's credit report. My wife contacted them about making hard credit inquiries that affect our credit scores for a bill that was not 30 days late and was paid the same day the hard inquiry was made. They told her they are allowed to make hard inquiries on our credit report without authorization to do so because we have an account with them and that it is in the loan contract we signed. I don't think this is legal. I want those hard inquiries removed from my credit report.
Product: Vehicle loan or lease

On or about XX/XX/XXXX I went to XXXX XXXX to check out a XXXX XXXX XXXX that was advertised on XXXX for {$7700.00}. The car had only about 40k miles on it. Since I started to work in the XXXX XXXX XXXX and my current car had XXXX miles, I figured I can make the payment at that price with just my XXXX XXXX business. I started working as an XXXXXXXX XXXX as of XX/XX/XXXX because I was let go from my previous employer. I explained to the salesman at XXXX XXXX that I did not have a fixed job because but was doing XXXX XXXX. The salesman said that it was ok they can use your previous employer information, they ( assuming Ally financial ) never check, and these loans are always sold as a package deals along with other auto loans. I also said that I had XXXX I can put down from a XXXX XXXXXXXX credit card. At first the dealership wanted XXXX down of which I did not have. The salesman said that's the only way they could finance the deal. So I shook his hand and went on my way. This was a Sunday XX/XX/XXXX. 
The very next day Monday XX/XX/XXXX, the dealership salesman calls me and tells me that they can now do the deal with XXXX down. 
I was sceptic because I didn't have a full time job and I was barely making ends meet. I moved out of my home and rented it in XXXX. I figured I could make the monthly car payment because I could work more as an XXXX XXXX. 

The deals that XXXX XXXX made with Ally Financial is astonishing. They didn't verifying any information, only what had come up on my credit report. 

The dealership also fraudulently raised the advertised price from {$7700.00} to {$10000.00} knowing. I am speculating that the price had to be over 10k in order for the Ally to finance. I made a complaint to the Arizona Attorney General whom is still investigating this matter. It has been since XX/XX/XXXX that I submitted the complaint, but the dealership is failing to respond. 

This car should have never been sold to me because I didn't have the means to pay it at the time. But car dealships and finance companies are the biggest scammers of all. 

I would be in a better financial place, of I had not bought this car at the time I could not afford it.
Product: Checking or savings account

This complaint is about add on product charge to customer accounts. Add on product charge to customer accounts were found to be in violation of banking regulations. I am requesting Wells Fargo contact me about account in the names of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request assistant with asking Wells Fargo to research account XXXX and start a mediation process to have all monies affected by the add on to the above account refunded to customer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Recent closed complaint filed on XX/XX/XXXX ) The above complaint WAS FILED with CPFB on XX/XX/XXXX. Wells Fargo deny the account # XXXX contain any add-on product in the answer provided to CFPB and to me ( XXXX XXXX XXXX XXXX Wells Fargo answer denied any add-on even though proof was provided to support my original complaint. I will attach the original statement I use with the add-on clearly mark. I also will submit additional statement as proof of the add-on, which is the subject of the close complaint and the subject of this new complaint filed today XX/XX/XXXX. 

( New complaint filed today XX/XX/XXXX ) Wells Fargo reprehensive XXXX XXXX was rude and refused to even consider the proof submitted with the original complaint. This complaint will contain two attachments. The original attachment submitted on the XX/XX/XXXX complaint and an attachment to support this new complaint. 
Please asked Wells Fargo to help resolved the issues of add-on to account # XXXX. 
Regards, XXXX XXXX
Product: Credit reporting

they are accounts from XXXX that are being reported as late, but I was never late paying this company. Also inquiry that I have not ever authorize.
Product: Debt collection

I have been asking Caine & Weiner at XXXX. XXXX XXXX XXXX XXXX, CA XXXX, Phone # XXXX to VALIDATE a debt that they say I owe since the middle of 2020. But instead, their company ALONG with all 3 credit bureaus have only VERIFIED the debt ... This is severely hurting my credit profile and ruining my chances at homeownership. I have asked for certain things like the contract with my signature, and how did they calculate the amount of the debt owed etc ... and the only thing they keep sending me are things like a settlement letter from their company ( Caine & Weiner ), or a COPY of a payment coupon from the original creditor with no signed contract ... And the bureaus keep reporting this as VERIFIED which is not VALIDATING the debt.
Product: Credit reporting or other personal consumer reports

Acima is the company heres the account number associated with them XXXX Heres the balance as well XXXX Acima used deceptive dark patterns and other tricks to trap against me in high-cost credit agreements to finance the purchase of household goods. Acima sought to disguise my credit agreements as leases to evade consumer financial protection laws. Due to Acimas deception and obstruction, I did not understand they were agreeing to expensive markups, exorbitant finance charges, and having few ways to escape their contracts