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

On XX/XX/2021, I was about to book a flight with XXXX XXXX and I noticed they had a promotion for a credit card with Citi. Part of this promotion was that I'd receive a {$200.00} credit after booking the flight via this new credit card. The messaging for this credit card application also mentioned that I'd be given a temporary account number with a credit limit to use in the flight I wanted to purchase. The exact phrase in the application was " If approved today, you will get an account number and temporary minimum credit limit to use on XXXX immediately '' I applied and was instantly approved, however I never received the temporary account number to purchase my flight with the new credit card. I called several support lines at Citi, and all they could tell me was " they will no longer give account numbers, even temporary, over the phone '' and told me to wait 7-10 days for the physical card. I applied for the card with the understanding that once approved, I'd be able to use it immediately, yet this did not happen, so Citi XXXX XXXX XXXX effectively ran a bait and switch to get me to get their credit card. Support offered no other recourse, and would not send a temporary account number via text or email, either. I had to proceed to purchase the flights with a different method.
Product: Mortgage

We were the victim of a serious loan servicing transfer error in XX/XX/XXXX. Our loan got mixed up with the loan of another individual. The payments we made got applied to the loan of the other individual and a foreclosure was started against us. The mortgage company would not give us information on the other loan that was receiving our payments. Five foreclosure actions were filed against us. In these foreclosure actions the mortgage company and its attorney provided false documents to both us and the courts. The original note and deed of trust were needed to foreclose and the mortgage company did not have these documents. We were never able to resolve this issue. Years went by. The foreclosure started on XX/XX/XXXX. On XX/XX/XXXX, the mortgage company filed their fifth foreclosure action. We filed the defense that the loan was past the XXXX year statute of limitations and XXXX Bank XXXX XXXX was not the real party of interest. There were, also, two names were attached to this foreclosure action. Ocwen did not respond to this action and allowed it to be dismissed. This dismissal action was a confession that the loan was extinguished, destroyed and could not be revived. XXXX Bank XXXX XXXX also confessed they did not own the loan. We waited the 90 days to get notice that the loan had been released. Instead we received a notice in XX/XX/XXXX that PHH Mortgage Corporation now owns the loan and they were commencing yet another foreclosure action. We filed an adversarial action to have the deed of trust released on XX/XX/XXXX. The position of PHH Mortgage was that statute did not destroy the lien and they were going to reargue the case and revive the lien. They admitted the lien was past the statue of limitations. The payment due date was XX/XX/XXXX, XXXX lien had been allowed to be destroyed. It could not be revived. PHH Mortgage made the argument anyway. The argument did not revive the lien. 
We did a Qualified Written Request ( QWR ), asking for the identity of the owner of this loan. It was sent certified. We received the notice our request had been received but never received an answer as to who owns our loan. Failure to comply with a QWR is a federal offense. You have to tell the borrower who owns their loan. Another company is also asserting their ownership of the loan. PHH Mortgage Corp. is making false statements to the court and misrepresenting evidence and failing to comply with federal regulations in order to gain ownership of our home. They have allowed this loan to go past the statute of limitations by their own actions. PHH Mortgage should release the XX/XX/XXXX DEED OF TRUST to this loan as legally mandated by statue.
Product: Vehicle loan or lease

The consummation of this lease agreement took place XX/XX/2019. There are certain disclosures that should have been provided during the consumer credit transactions. The notice of cancelation form explaining my right to rescind was never provided. Pursuant 15 usc 1635, I was not giving full disclosure of all the terms in the lease agreement. This has caused great injury and suffering. 

I hereby rescind this contract and demand any payments made by me returned to me within 10 days of the rescission process. Any interest you have in this contract needs to be terminated and canceled. You must send me proof of the cancelation. 

You must cease & desist from all collection action and any other action pertaining to any debt obligation.
Product: Credit card or prepaid card

I would like to file a complaint about our experience with purchasing flight tickets with Chase Ultimate Rewards. We booked 5 tickets traveling from XXXX XXXX to XXXX on XXXX XXXX by XXXX, the departure time is XXXX XXXX on XXXX XXXX. When we checked in at the XXXX XXXX counter, we were told the flight already departed at XXXX XXXX We were shocked! <P/>The manager in XXXX XXXX explained that the flight time of flight XXXX XXXX has been changed from XXXX XXXX. to XXXX XXXX, they said that they did notify Chase about the change, but are not sure if Chase sends notifications to passengers who booked tickets through Chase. We were fortunate that the manager was being very helpful and was willing to help us reassign five tickets from XXXX XXXX to XXXX with a layover in XXXX on XXXX XXXX. We finally arrived XXXX at XXXX XXXX  XXXX time, which is 9 hours delayed from our original arrival time. We appreciated XXXX XXXX help since this is not their fault at all. <P/>On the contrary, we received an email from Chase notifying us about the flight schedule change on the day of our flight to XXXX, but the notification is about the department time for the inbound flight. The email shows that the flight from XXXX to XXXX XXXX on XXXX XXXX would depart 30 minutes late. Whats interesting is that it still displays the outbound departure time to be XXXX XXXX Because of this is the most recent email we received from Chase, we assumed this is the most updated flight information and therefore we missed out outbound flight. <P/>We were upset that Chase didnt notify us about the flight time change. We never received any emails or phone calls about the change. Although Chase sent an email to notify the inbound flight time was changed, Chase should also display the updated ( new ) outbound flight time on the most recent email. In fact, when I logged on to your website up until now, the outbound departure time for our outbound time still shows XXXX XXXX <P/>Instead of arriving at XXXX XXXX., we arrived at XXXX XXXX, we lost 9 hours dealing with our flight change request and layover. We also missed the prepaid activities that we originally booked. We basically missed one day in XXXX We are loyal customers of Chase and Chase Ultimate Rewards, this is the first time for us to have to deal with drastic flight time change, hauling luggage between terminals It affected our mood and our precious vacation time. Thank you for offering the opportunity to explain our frustration. <P/><P/>Best regards, XXXX XXXX
Product: Checking or savings account

Company stated that they could not really help me close the account. I do not want to do business with capi tal One  anymore. I want the bank to close my sharebuilder account per my request.
Product: Credit card

I opened a complaint about work done on refurbishing a gate. I supplied all the documentation requested on two occasions and got a new email requesting the same information. No one has even looked at the documents, I got a new request because no human has even reviewed the information.
Product: Credit reporting or other personal consumer reports

All three credit reporting agencies are reporting two different addresses that are not mine. One is in XXXX XXXX. XXXX is in XXXX XXXX. This was identity theft happened several years ago. I was told to file bankruptcy to get rid of all that well. The addresses are still showing on my credit report I would like them removed. They cant remove them until I file a complaint with you, can you please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint because Experian has ignored my request to provide me with the documentation that they have on file that was used to verify the accounts that I disputed. It is well past the 30 day mark and they can not verify these accounts. Under the Fair Credit Reporting Act section 611 ( 5 ) ( A ) - they are required to promptly remove all information which can not be verified that I have disputed. Pleas resolve this issue as soon as possible. Greatly appreciated. Thank You.
Product: Credit reporting or other personal consumer reports

This account, linked to a vehicle that was fraudulently registered in my name using a fake ID, has been the cause of significant distress. I complied fully with XXXX COLLECTION /Radius Global AGENCYs requests to address this matter, including providing a police report and an affidavit detailing the crime committed against me. Despite this, I was asked to fraudulently back date legal documents that XXXX management mailed to me, and upon doing so they sent all of my personal information over to another collection agency [ Radius Global ] without my knowledge or consent, asking me to falsify documents, which is not only unethical but also illegal. Additionally, despite my efforts to clarify the situation with their representatives and a XXXX, this fraudulent account has not been removed from my credit report. I want to remind you that I have informed your agency multiple times that the vehicle in question was never insured, and the dealership responsible for this fraudulent activity was closed down by the FBI following an investigation. The continued presence of this account on my credit report is unacceptable and damaging to my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Product: Prepaid card

Received this visa debit prepaid card for {$60.00} as part of a promotion from XXXX XXXX. The issuing bank is Citi. The card expired and according to your website we should request a replacement since the funds do n't expire for 5 years. Contacted Citi customer service at XXXX. We were told sorry. First spoke with an agent named XXXX and then a supervisor named XXXX. Thanks in advance for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having serious difficulties with the XXXX major credit bureaus, I sent out a letter disputing some inaccurate information on my credit report on XX/XX/XXXX. XXXX  DAYS GO BY AND NOT A SINGLE LETTER OR RESPONSE EVEN THOUGH I SENT CERTIFIED CAME FROM XXXX OR EQUIFAX. XXXX decided to send me a letter asking if i was working with a " XXXX XXXX '' WHICH IS ABSURD... 

So on XX/XX/XXXX I sent them another letter, and they still are not getting the picture that i am furious with how they are reporting on my credit report and damaging my name. They are not above the law and they need to sharpen up on thier FCRA LAWS AND DELETE THESE ERRONEOUS ITEMS
Product: Student loan

I XXXX in XXXX as a way to pay off my federal student loans, the XXXX apparently did not register XXXX loan. I was unaware of this and only found out this year when my taxes were withheld and my wages garnished. The Department of Education sold my loan to a collection agency, I asked the agency to provide proof that this is in fact my loan, and provide proof that they acquired this loan from the Department of Education as well as the amount that it was for. The collection agency has repeatedly refused to provide this information. I did not want to pay unless I knew that this was a legitimate debt. 
I stated that if they could provide this information, I would pay. Now they have garnished my wages and put my job in jeopardy. Furthermore, I was XXXX for XX/XX/XXXX, got out of the XXXX in XX/XX/XXXX, and started my XXXX XXXX in XX/XX/XXXX. I am not sure on the law, but I believe that I should have been protected during this time. 
Lastly, to reiterate, I only found out about this debt recently. However, I have heard from multiple collection agencies regarding the same alleged debt, how am I supposed to know which is valid and or real. I first heard something of this debt in the past two years, but could get no real information, so I let it go. I only realized that it was real after the aforementioned garnishment.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX I do not have a contract with XXXX XXXX XXXX XXXX # XXXX I never gave or authorized anyone permission to use my personal information this was a scam! I was called and tricked into a fake service the website they offered doesnt work I didnt look at the reviews until after they should be ashamed and closed down permanently I will seek XXXXXXXX XXXX obligation for this account if not removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at XXXX XXXX today XX/XX/20 and they ran my credit to see if I could finance some phones but I was told that I was denied because there were several accounts in negative standing appearing on my credit. I had no idea what accounts they were talking about so I got a copy of my credit report and I saw about ten accounts with negative payment history that don't even belong to me. I did not open any of these accounts nor did I allow anyone to open them in my name. I am not affiliated to any of the companies I listed on this report nor did I gain anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards these accounts. I'm not sure who is responsible for these accounts but I have already filed a police report.
Product: Credit card

This was 1 of 3 transactions/ purchases online. This was the third transaction and third attempt to get the correct size and fit. But it didnt work and all of the items were returned through mail or at a local store. The problem is once all the items were returned the account still had a balance of {$22.00}. Well, before I purchased the items on XX/XX/year>. I spoke to a chat associate name XXXX and she agreed to waive the XXXX  fee for the purchase. However, she never did that. I have called the customer service number several times in an attempt for them to correct and honor the representative offer. Each time the associate would tell me they see the problem and they guarantee that they will fix the issue. Please allow 3-5 days, then one said 5-7 days and another said 10 -14 days. I kept calling and getting the same response but no one was fixing the issue. I put in a dispute with the credit card company XXXX Express Credit Card XXXX. However, when they research, they stated they saw the fee was returned XX/XX/year>. However, the fee they are seeing returned was for an order placed as overnight on XX/XX/year> and wasnt received until XX/XX/year> so they returned my overnight fee for that one. The chat representative XXXX agreed to waive the fee on XX/XX/year>. She directed me to place the order and then she will waive the fee. I did as she stated then she changed her stance and said she will refund if the items arent received timely. I asked her to honor the original offer she made. She agreed to honor, but unfortunately never followed through. I took a screen shot of some of the chat conversation with her agreeing to waive. Additionally, I have waited the days Express stated it would take to correct the charges and it never happened. Now the account has a late fee {$30.00}, interest charges {$2.00} all on top of an overnight fee {$22.00}, that they keep telling me they will fix, but havent. I want them to correct the account. I have been a customer of theirs for many years and there is no reason it should take this long for them to correct the account. They should be able to review each item purchase on XX/XX/year>, XX/XX/year> and XX/XX/year> that all items were return. But the account has a balance. What is the balance from? It's the fee that I was told would be waived. The credit card company keeps telling me to contact the store the store is saying contact the credit card company. I really dont understand why this is so difficult. I hope you can help with this. Thank you and I appreciate your assistance
Product: Credit card

Take a look at the documents attached. I urge the bureau to commence an investigation into these accounts, as they incorrectly label me as late despite my punctual payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion : false reporting : you got XXXX XXXX is a closed account you are reporting it as open. you get As per Metro and E Oscar you get the same reports as the other credit companies you are stating open account false can not report that the account is re aged the account is closed and I request you remove the account as per CFRA guidelines enclosed is a copy that the account is closed
Product: Credit reporting, credit repair services, or other personal consumer reports

lost my wallet in a truck stop time after that account started appearing up on my credit report reach out to the cb letting them know that there wasn't mines but it didn't do any good
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have the right 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 In accordance with the Fair Credit Reporting act and XXXX  accounts number account # : XXXX XX/XX/XXXX account # XXXX XX/XX/XXXX account # XXXX XXXX account # XXXX XX/XX/XXXX account # XXXX XX/XX/XXXX account # XXXX XX/XX/XXXX account # XXXX account # XXXX XX/XX/XXXX account # XXXX XX/XX/XXXX have all violated my rights XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

you violated the us code law TILA 15 u.s.code 1666 ( B ) billing Recently I checked my credit report and noticed multiple billing errors under 15 u.s. code 1666 ( B ) ( 4 ) the creditor failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor ( 5 ) a computation error or similar error of an account nature of the creditor on a statement As I know the creditor didn't notify me 21 days before with a statement so there should be no late payment on this account.i demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting Agency Experian continues to violate my consumer rights by reporting false and inaccurate information. I have disputed these items multiple times. Also I never gave them written instructions to furnish this information which I a clear violation of 15 USC 1681b ( 2 ).
Product: Debt collection

I vehemently dispute the XXXXXXXX XXXX account ( XXXX ) on my credit report, opened on XX/XX/XXXX, with a balance of {$300000.00}. A glaring glitch in the creditor 's systems wrongly marked my XX/XX/XXXX payment as late, despite timely payment, and their verbal promise to fix this issue urgently. I demand immediate correction and vigilance from the bureau in rectifying this damaging error.
Product: Credit reporting or other personal consumer reports

This incorrect information is clearly causing damage to my credit profile, which is entirely unjustified. It is essential that this issue be addressed without delay. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and fair credit report, and I expect nothing less than full compliance with the law in resolving this matter.
Product: Debt collection

As per my last complaint a collection company called Controlled Credit Corporation sent me a letter stating I owed money to XXXX XXXX XXXX. I called XXXX XXXX XXXX again to confirm I do not have debt with them, or any XXXX facilities. I was also told that XXXX  does not due business with Controlled Credit Corporation and have never heard of them. I have Never been to XXXX XXXX XXXX, no claim has even been submitted to my medical insurance by any XXXX facilities for this amount of money. I also called my health insurance I check if I ever had an claims from this hospital in the past 7 years and nothing was or has been filed. I was assured I do not have any outstanding debt. Controlled Credit Corporation is trying to fraud me. If they continue and place a fake debt on my credit report I will hire an attorney and sue. This company needs to be investigated for fraudulent medical debt.
Product: Debt collection

I paid Chase bank and they never updated the information with the credit bureaus. This is hurting my credit report and score and preventing me from achieving my dream of buying a home.