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

Around the end of XX/XX/2019, my husband and I were looking to book a flight for an upcoming trip to XXXX XXXX. The XXXX XXXX site was advertising a promotion offered by Chase ; specifically, a {$250.00} statement credit to open a new revolving account with Chase. We both thought this was a good deal and sought to take advantage of Chases on-line offer. There were problems with the site, but I was able to log back in and eventually book my flight and obtain approval for the credit card. My husband experienced more difficulty with the site and was not able to complete his transaction until the next day. 
We received our first statements from Chase about a month later. Although my husband did, in fact, receive a {$250.00} credit on his statement, I did not receive it on mine ( copies enclosed ). I immediately phoned Chase and was told by a representative that I did not apply for this offer ; I was told that the offer I applied for entitled me to some sort of bonus miles, which I did not need or want, since I seldom travel. 
I asked the representative, and then a supervisor, if they could switch the bonus miles to the {$250.00} statement credit that I applied for, and I was told they could not. I escalated the complaint, and Chases final answer to me on XX/XX/XXXX was that they could not assist me, and I got what I applied for. 
I am disappointed in this unfair treatment by Chase. I followed the instructions on the website to apply for the {$250.00} offer. I never read about another promotion, nor did I intend to apply for any other promotion. I am only asking Chase to honor a bona fide offer that was in effect on the day I applied for it, and for which I intended and believe I did apply for.
Product: Credit card or prepaid card

I applied for a discover student card approximately XX/XX/XXXX of XXXX. Being somewhat financially stable with a steady flow of income and being high school student in my senior year it seemed like a great card to apply for and I was ultimately approved. I received an email on XX/XX/2022 informing me that my discover card application was approved and that the card would be sent to me soon. I received the card on XX/XX/2022 and activated it the same day. Upon attempting to use my card later that same day, I found that it would decline on any transaction I tried to use it on. I had initially believed that it was still in the process of being activated so I didnt give it much thought and decided to try again another day. Upon attempting to use it again a day or so later, the card continued to decline. After dealing with the frustration, I gave Discover a call to try and find out the source of the issue. In my phone call I was informed that they were in the process of reviewing my information and they would inform me when my card was ready to use which I found odd because the emails I had received led me to believe that the card was already ready to be used. I was not informed of exactly what information they needed to verify nor would they disclose more information with me. I decided that I would wait for their notice that I can use the card and that was the only option, so I waited until I received a notice that my account had been closed on XX/XX/2022. The notice I had received informed me that they couldnt verify my personal information ( Which was seemingly not an issue before they opened the account and sent me the card as well as let me activate it online ) and that they would report that the account was closed by the creditor. This upset me quite a bit as I took a hit on my credit report. At the time of the account being closed I thought that was that and that nothing else could be done about it. After learning about this agency I decided to see if anything could be done to rectify this issue I have faced.
Product: Vehicle loan or lease

We have a car with Car Credit of XXXX it is a XXXX XXXX the total price was just over {$21000.00} or something like that base off our credit report. we are at the end of our loan and 2 months ago we had {$1100.00} left to pay. our payments come out every two weeks in the amount of {$290.00}. after two months we still have over {$800.00} left. thats 4 payments totaling {$1100.00}. We asked for a break down of payments vs total amount and they will NOT give us that information. My husband was the first to ask and he is authorised on the account and everything but nothing. I put him on the account for a reason and they wont even honor that let along asking for a detailed break down. We feel like they are stealing from us and if we stop payments they will shut our ONLY way to work. Please help.
Product: Debt collection

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate. Here is the item I am asking to verify as accurate. Sofi Bank
Product: Credit reporting or other personal consumer reports

The listed account continues to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), this account must be verified ( A ). I will bring legal action against you if you do not verify this account. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Contacted company via Certified mail on XXXX to ask for validation of debt trying to be collected by this company. 

15 usc 1685i ( 5 ) removal of inaccurate invalidated/innacurate credit information " debt has not been validated, see attached letter dated XXXX and letter dated XXXX '' 15 usc 1681e ( B ) compliance procedures maximum possible accuracy " debt is not reported accurately across three bureaus SEE DATE OPENED, NUMBER OF MONTHS ( TERMS ), HIGH CREDIT, LAST REPORTED, LAST ACTIVE, DATE OFF LAST PAYMENT. 

15 USC 1681 602A states I have the right to privacy.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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: Debt collection

I have sent 2 certified letters to Hunter Warfield asking for " Validation '' of the {$780.00} debt they claim I owe. They did not respond to the first letter I sent in XXXX XXXX. I then followed up with another certified letter on XXXX XXXX XXXX. On XXXX XXXX XXXX I received a letter stating they had sent me verification and had no duty to send me any additional information again. 

I am sending another letter tomorrow, XXXX XXXX XXXX requesting the verification ; however, they are clearly in violation of the Fair Credit Reporting Act. I am asking them to DELETE the account immediately. This is NOT my debt and they can not prove that it is.
Product: Credit reporting

I called about the inquriy issue with Transunion a week ago. I have several inquiries that were added to my report because of the error that occurred with their system. I was told it did not apply to me by the customer service representative, and I was given no clear explanation of why. 
Best regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave XXXX, TransUnion and XXXX written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you. There was some fraud on my report and therere a bunch of inquiries that need to be removed and Im looking to purchase however these are fraudulent inquiries and accounts that hurts my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have wrong name, XXXX XXXX XXXX which it 's not me, you have wrong address, you have wrong employment info, have never worked for XXXX.My name is XXXX XXXX not XXXX XXXX XXXX.
Product: Mortgage

please help. 
They had my payment on the XXXX of XXXX2017. But still are trying to collect {$150.00}. 
XXXX is not letting the truth, they are saying i was late. 
my certified card, was signed on XXXX/XXXX/2017 by XXXX XXXX XXXX receviced on XXXX/XXXX/2017. I was not late. certified card was signed by XXXX. Maybe he holds payments on purpose, so ocwen can get extra money./ Please help XXXX
Product: Debt collection

I had started a payment plan with XXXX in XXXX. They took the initial payment. Now, almost a month later I receive a letter from a lawyer ( XXXX XXXX in Arizona ) saying they need my up to date information for service. XXXX retracted my account from XXXX and sold it to another company who went with a lawyer route. I had already made my initial payment to the payment plan, can I fight to stay on the payment plan to avoid garnishment? It does not seem right to me that they would cancel it for no reason, without letting me know, and sell it to another company.
Product: Credit card

I had a Citi credit card with a {$99.00} annual fee. I called them to cancel it, but they convinced me to downgrade the card to one with no annual fee. I agreed to this and went on my way. I did not hear anything again until I received notices that I was past due, being charged late fees etc. when I looked at the statement, they did in fact charge the {$99.00} fee after they said they wouldnt. I have reached out to Citi multiple times to try and resolve but am given wrong info each time. Eventually, they got {$90.00} of the annual fee removed, but say I am on the hook for the other {$9.00}. While this is not a huge amount of money, it is annoying because its not what I was told. In addition I have been reported to the credit bureaus for missed payments and Citi says they can not reverse the bad marks on my credit. I am extremely upset about the hours I have wasted on the situation to not make any progress with them.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests for verification under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX has failed to provide valid documentation substantiating the alleged payment received in XX/XX/year> and to remove an outdated account. 

This ongoing misreporting is severely damaging my creditworthiness and constitutes a violation of federal consumer protection laws. Under Section 611 ( a ) ( 7 ) of the FCRA, you are required to provide the method of verification used to confirm this information.

To date, I have received no such documentation.

The name of the individual who verified the dispute with the original creditor.

A copy of the documentation used to verify this outdated charge-off, including proof of the alleged payment in XX/XX/year>. 

A full description of the reinvestigation procedures, as required by law. 
Failure to provide this information within the legally required timeframe obligates XXXX XXXX XXXX XXXX to delete the inaccurate outdated charge-off from my credit report under Section 611 ( a ) ( 5 ) ( A ) of the FCRA. If XXXX XXXX XXXX XXXX can not verify the account with documented proof, it must be removed immediately. 

Provide a written response confirming the removal of this account or the requested documentation verifying its accuracy and update as this account is outdated within the required timeframe is requested.
Product: Checking or savings account

I applied for a checking account on XX/XX/XXXX with ally bank. Ally has been giving me the run around for the past few months and their reps clearly don't know how to do their job. I sent in a FAX with my license and ssn card with my application. They're still saying they can't verify my identity, which im wondering HOW when I faxed my license and ssn card. 
Called them today XX/XX/XXXX for them to give me the same story.
Product: Student loan

On XX/XX/year>, I received an email from Mohela indicating my loans were being placed in an administrative forbearance while my payment under the XXXX XXXX  was recalculated. I called Mohela that same day to confirm that no payments would be due in XXXX, as I had already remitted my XXXX payment the day prior. On XX/XX/XXXX, I received another email from XXXX elaborating on the forbearance. In this correspondence, Mohela stated : " [ y ] ou will be removed from the forbearance once we are done applying to your account any additional XXXX benefits... we will then send you your next monthly billing statement at least 21 days before your next payment is due. '' On XX/XX/year>, I received another email from Mohela stating that my full payment amount is due on XX/XX/year>. At no point between XX/XX/year>, and XX/XX/year>, did I receive any correspondences from Mohela indicating that my payment would be due on XX/XX/XXXX. At no point in time was a XXXX notice given regarding my bill being due. On XX/XX/year>, I called Mohela and inquired about the issue. During this call, I was informed that my payment was due and Mohela would not honor the XXXX notice described in the letter sent to me on XX/XX/year>. I escalated the issue and was told that I needed to remit the payment, despite the prior notices.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below, which still appears on my credit report even after your investigation. I would like this item to be immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXXXXXX XXXX XXXX / XXXX In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and 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

In accordance of the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX has violated my rights. 

I looked at my XXXX, XXXX and Equifax credit report on XX/XX/year> 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, credit repair services, or other personal consumer reports

I made a payment for my capitalone credit card but it is showing a missed payment on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received the results of my dispute against a bankruptcy. It states : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX .... Outcome : Remains - The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details I confirmed with the court that they do not report information to credit reporting agencies. My records with 3rd party reporting agencies such as XXXX XXXX have been confirmed frozen. On XXXX XXXX the representative, XXXX confirmed that once a freeze has been placed, no information is released without my authorization. It is my belief that Experian is engaging in dishonest and deceptive practices by stating the obtained information when they have not. I feel as though that have not performed a throughout and valid investigation of my dispute.
Product: Credit reporting or other personal consumer reports

I noticed that there is incorrect personal information on my credit report. This is unacceptable and should not be on my report because you are reporting false information.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes. Zelle failed to investigate my claims adequately. They informed me that recovery lost funds was impossible, and that tracking these transactions was unfeasible.
Product: Checking or savings account

Chase Representative XXXX XXXX XXXX ID XXXX and branch XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, CA XXXX disclosed personal banking information and accessed personal banking information to share with people as part of a targeted campaign without a proper warrant.
Product: Credit card

US Bank XXXX XXXX Visa Card 's marketed a number of benefits when you pay the annual fee to have the card. The primary XXXX being a free reward night whenever you redeem points for XXXX or more nights. They are removing this feature today, with short notice. They are n't offering any compensation, nor extending the benefit to the renewal date. Forcing me to use all my accumulated benefits prematurely or risk losing 25 % -50 % of their value.
Product: Credit card

Military Star Charge card Shows its paid/closed/ revolving with a {$0.00} balance Last update on XX/XX/XXXX Open XX/XX/XXXX Took the money from the tax return
Product: Debt collection

TRANSWORLD SYSTEMS in XXXX DELAWARE KEEPS CALLING ABOUT A DEBT FOR SOMEBODY WITH THE SAME NAME AS MYSELF. I HAVE GOTTEN XXXX CALLS IN THE LAST XXXX WEEKS. THEY ASK FOR MY SSN and b-date which I will not give them. They will not stop calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the following fraudulent inquiries with Equifax credit bureau for over a year now. I mailed them proofs several times. They removed the fraudulent inquiries then the following day the reported them again. I did submitted a complaint with CFPB on XX/XX/XXXX against Equifax to delete these fraudulent inquiries. Equifax response was We deleted these fraudulent inquiries but they didnt. Im attaching all the documents to show how Equifax doing business and how Equifax insisting to report inaccurate fraudulent information to my credit report. 
XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX. Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the handling of my account by XXXXXXXX XXXX, as well as the inaccurate information being reported to the credit bureaus. Despite my repeated efforts to address this issue, XXXX XXXX  has failed to resolve the matter and continues to report fraudulent and inaccurate information that violates the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue : Failure to Address My Appeal : I contacted XXXXXXXX XXXX  to understand why my appeal to correct the fraudulent account was denied. I was informed that the appeal was denied due to a lack of information. However, I provided all requested documentation via fax, including supporting evidence proving the account does not belong to me. 

Inaccurate Reporting : The information reported under the aforementioned account ( XXXX ) is fraudulent and does not reflect any authorized or legitimate activity on my part. Reporting such inaccurate information violates the FCRA, which mandates that all information reported by consumer reporting agencies be accurate, complete, and verifiable. 

Lack of Action by XXXX XXXX : Despite my providing documentation and multiple follow-ups, XXXXXXXX XXXX has failed to take appropriate action to investigate and correct the inaccuracies. This lack of response and accountability has caused harm to my credit profile and financial well-being.