23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XXXX I contacted your service center to learn how I might re-instate my expired miles. I was told that I could pay {$500.00} OR I could apply for a Chase XXXX Mileage credit card and if I was approved for a credit card I could enroll in the Knowledge Plus Challenge and would be credited with {$500.00} that would be applied to reinstate my miles. Since XXXX " noticed '' me at the beginning of that call that it would be recorded, I also recorded the call. I have a copy of that call that I can forward at your request. I applied and received immediate approval for the credit card. When I attempted to enroll today in the program I was told that there was no {$500.00} credit I would receive but I would be charged {$500.00} to reinstate the miles. Why would I go through the hassle of applying for the credit card if I was not going to receive the {$500.00} credit? This appears to be a classic bait and switch by XXXX XXXX and Chase. Noted below is the email response from XXXX XXXX : Dear XXXX XXXX, We 're sorry for the confusion and the inconvenience this may have caused you. 

There are few options to reinstating your expired miles : Buy back - You can buy back your miles. The cost will be depending on the amount of miles that expired. For your XXXX expired miles, this will cost {$500.00} to reinstate it back. 
Register and fly - Register for {$500.00} and then complete qualifying round-trip travel on XXXX or XXXX XXXX. You must register within 18 months of your mileage expiration date, and complete travel within 90 days of registration. The registration fee is non-refundable and a maximum of XXXX miles can be reinstated with this option. 
Register and use a MileagePlus ( R ) Visa credit card - Register for {$500.00} and then use a new or existing MileagePlus Visa credit card to make a purchase. You must register within 18 months of your mileage expiration date, and use your card within 90 days of registration. The registration fee is non-refundable and a maximum of XXXX miles may be reinstated with this option. 
The agent might have not explain further the terms and conditions for this offer. 

Since we are unable to waived the registration fee via the MileagePlus Service Center, please contact our Customer care at XXXX. 

Whenever possible, we try to accommodate our customers ' requests and are sorry that we can not do so in this instance. We value your business and look forward to serving you in the future. 


Regards, XXXX XXXX XXXX MileagePlus ( R ) Service Center
Product: Credit reporting or other personal consumer reports

This is my follow up to express my dissatisfaction and file a complaint regarding the recent attempt to remove fraudulent items from my account. I believe that the process undertaken to rectify the situation has been unsatisfactory and warrants further attention. I expected a swift and effective resolution, but the process has been marred by incomplete information. Additionally, I am concerned about the lack of transparency in the communication throughout this ordeal. Timely updates and clear information regarding the steps being taken to rectify the situation would have greatly alleviated my anxiety. Unfortunately, the information provided has been insufficient, leaving me in the dark about the progress of the investigation. I am requesting a thorough review of the handling of my case and a comprehensive explanation of the steps taken to address the fraudulent transactions. Furthermore, I insist on a detailed plan outlining how your institution intends to prevent such incidents in the future. I am asking for your assistance to remove these fraud items : XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$320.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Owed : {$320.00} ; XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

Chase Card charged an {$95.00} annual fee on XX/XX/XXXX that includes travel insurance. In XX/XX/XXXX, I filed a travel insurance claim and Chase has not responded.
Product: Debt collection

XXXX XXXX REC MGT SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX  within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Product: Checking or savings account

I had a Large Inheritance deposited into my checking account with Capital one bank via wire transfer on XX/XX/XXXXXXXX  from XXXX XXXX XXXX bank in Alaska, they froze my account week later claiming Fraud. The bank in Alaska proved it was not fraudulent as did i and they have held my XXXX in an account that i can no longer see. I have called over 100s of times and i get a run around about under investigation to have my money moved on XX/XX/XXXX and was told it was sent back to where it originated from it is now being told to me that its still under investigation after a year & a half and I want this resolved and the money returned to me. Every time i call i get a different response it was sent back to Alaska now its with investigator i cant see my money nor do i know if it is still in Capital one bank in new York since they moved it and closed my account down. I am desperately in need of help please they have stolen my money from me is how i see it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a business loan today XX/XX/2020 but I did not get approved because of an account from a company called XXXX XXXX XXXX reflecting badly on my credit report. I had no idea that this account was on my credit because it's not mine ; I never opened this account nor do I have any written or verbal contract with this company and I never gained anything from that account being open in my name such as money, goods, services or any other benefit. I don't know who could have opened this account on my behalf with my personal information but I have never given anyone permission to do so therefor I have already filed a police report. I also never contributed to any payments that might have been made towards that account balance. I have filed this report to the best of my knowledge.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX, I terminated the lease of my XXXX XXXX with Volvo Car Financial Services. I paid all the dues by XXXX XXXX XXXX, except for their " estimates '' for property tax. The problem is I reside in Texas and there are no such taxes for vehicles for private use. XXXX failed to produce an official bill from the state of Texas, or from XXXX XXXX. They persisted in keeping the charges and then labelled my account as a charge off. I am attaching evidence of having paid all dues besides the estimated tax, and the bogus document that XXXX cited as proof of taxation by state, that does not have a single reference to me or the vehicle I leased. 

I shared this evidence with XXXX, XXXX and XXXX. XXXX and XXXX immediately deleted the account. XXXX failed to do so despite trying twice. I have no confidence in XXXX 's ability to objectively review evidence and reach the right conclusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed online and Ive sent letters to XXXX, XXXX, and TransUnion on XX/XX/2022 concerning all of the inaccuracies and inconsistencies on my report. Its been well over 30 days I still have not received a response. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, TransUnion, and XXXX have 30 days to respond to my dispute. 

This is a violation of my rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to bring to your attention the numerous inaccuracies and incomplete information on my TransUnion credit report, which has resulted in significant adverse effects on my financial well-being. Despite my efforts to rectify these issues, the results of the investigation conducted by TransUnion remain unsatisfactory and fail to address the fundamental errors in my credit report. 
The erroneous information on my credit report has led to adverse outcomes, including denial of mortgage loan applications, credit line increases, and even employment opportunities. I demand immediate action to rectify these inaccuracies and ensure that my consumer rights are upheld. 
Specifically, I have identified several accounts with excessive inaccuracies and incomplete information, including but not limited to : XXXX XXXX XXXX : The account history provided by TransUnion is incomplete and inaccurate, failing to include accurate payment history since the account was opened. Several months of payment history are missing, which has distorted my credit profile. 

XXXX : Despite previous requests for complete and accurate information, my XXXX account is missing all relevant account details. TransUnion previously reported complete and accurate information, yet crucial account data is now absent, leading to inconsistencies in my credit report. 

XXXX XXXX ( XXXX XXXX ) : The XXXX XXXX account managed by XXXX XXXX exhibits over 60 unknown dates, and the account is erroneously categorized as a charge-off. However, there is no record of a charge-off on my credit report. Despite my efforts to dispute these inaccuracies, TransUnion has verified and reported them as accurate. 
These errors not only undermine my financial credibility but also violate my rights as a consumer to fair and accurate credit reporting. I urge the Consumer Financial Protection Bureau to intervene and compel TransUnion to promptly remove these erroneous accounts from my credit report. 
I appreciate your attention to this matter and request a thorough investigation into the inaccuracies outlined above. Please provide me with updates on the progress of your investigation and the actions taken to address these issues. 
Thank you for your assistance in resolving this matter promptly. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

The debt was for a leased security camera. The debt was paid after they threatened me with legal action in XXXXXXXX XXXX XXXX It is still showing up on their end as not paid. They will not let me speak with anyone who can help me all they say is there is still a balance and its been sold to a collection agency and when I call that agency they say they dont have my file anymore. Im worried that this is still affecting my credit. It is against the law for them to say I still owe this when I dont.
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra violations not mine : XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX
Product: Debt collection

On or about XX/XX/2015 XXXX XXXX, as Trustee for the Benefit of XXXX XXXX XXXX XXXX XXXX XXXX, received a " loan payoff '' payment in the amount of {$760000.00} to liquidate my mortgage loan # XXXX following a foreclosure sale. 

At the time, the unpaid principal balance of the loan, inclusive of unpaid interest added to the principal in accordance with the loan terms, was {$740000.00}. As such, XXXX XXXX received {$25000.00} more than it was owed. The overpayment was confirmed by the " Prepayment & Loan Liquidation Report '' published XX/XX/2015 by XXXX XXXX XXXX XXXX XXXX XXXX, which reported the overpayment as a " net gain '' ( see attached ). 

I twice tried contacting XXXX XXXX regarding the overpayment ; and each time I received a generic response from Mr. XXXX XXXX advising me to contact Nationstar, the loan 's servicer, allegedly because XXXX XXXX had nothing to do with the foreclosure proceedings. 

However, it is undisputed that : ( a ) XXXX XXXX was the named plaintiff in the foreclosure action ; ( b ) The Clerk of Courts made the disbursement check payable to XXXX XXXX. 
( c ) XXXX XXXX reported to the Trust 's investors that the liquidation of my loan resulted in a 3.48 % " gain '' ( see attached ) ; and ( d ) Under Florida Law [ 45.032 ( 3 ) ( a ) ] surplus foreclosure proceeds  belong to the owner of record, and not the lender or its servicer. 

The CFPB needs to get involved, because we are approaching the 5-year statute of limitations for me or the Bureau ( or both ) to take legal action against XXXX XXXX for its civil theft of my surplus  foreclosure funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Owed : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX acct # XXXX, XXXX XXXX acct # XXXX. has violated my rights. 

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.

15 U.S.C. 1681 section s-2 ( a ) ( 1 ) ( A ) states A person shall 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 card or prepaid card

Gentlemen : I am enclosing a copy of a letter from Bank of America. My Bank of America card was voluntarily closed a year ago and they continue to send me statements which I dispute. I have not charged anything to Bank of America Card in over a year. They have ignored my request to close the card. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX ( XXXX ) XXXX Fax ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

This complaint is being filed against Experian, XXXX, and XXXX for their failure to verify and correct inaccurate information related to a late payment reported on my XXXX account ( account number : XXXX ) **. This inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, and I request immediate removal of this information from my credit report. 

Violations of Rights : 1. Inability to Verify Information : The credit reporting agencies have failed to verify the accuracy of the late payment reported for XX/XX/year>. Under 15 U.S.C. 1681i, credit bureaus are required to conduct a proper investigation and either verify the accuracy of the information or remove it from the credit report. In this case, despite my requests, they have not provided any proof that the information is correct, violating my rights under the FCRA. 
2. Inconsistent Reporting : Furthermore, I have noticed inconsistencies in how the late payment is being reported : Experian : Reporting a 30-day late payment for XX/XX/year>. 
XXXX : Reporting a 30-day late payment for XX/XX/year>. 
XXXX : Reporting a 60-day late payment for XX/XX/year>. 
These inconsistencies highlight the lack of accuracy in the reporting of my credit information. Under 15 U.S.C. 1681e ( b ), credit bureaus are required to ensure the maximum possible accuracy in credit reports, and the continued reporting of conflicting information clearly violates this requirement. 

XXXX Requested : I am formally requesting the following actions : 1. Immediate removal of the inaccurate late payment from my credit report with all three credit reporting agencies ( Experian, XXXX, and XXXX ). 
2. Verification and documentation of how each agency attempted to verify the late payment information. I request proof of any investigation conducted and communications with XXXX. 
XXXX. Correction of any negative impact this false information has had on my credit score and profile.

Supporting Documentation : I have attached the following documents in support of my complaint : Credit reports from all three agencies ( Experian, XXXX, and XXXX ) showing the inconsistent late payment reporting. 
Proof of payment for the disputed late payment, made on XX/XX/year>, which proves that the payment was made on time. 
Previous dispute letters and any responses received ( or lack thereof ) from the credit reporting agencies and XXXX. 

Conclusion : The failure of these credit bureaus to verify the accuracy of the information or to remove the false late payment from my report is a clear violation of my rights under the FCRA. I expect immediate action to be taken to correct these errors, including the removal of the false late payment and the restoration of my credit to its proper status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAP ONE AUTO and XXXX XXXX  ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, AP ONE AUTO and XXXX XXXX  ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert from my credit monitoring service that there was a new collection of {$1600.00} being reported by " XXXX XXXX '' from a physician that I have never been to, never been contacted by, and never heard of. The original collector is " XXXX XXXX XXXXXXXX XXXX XXXXXXXX PA '' and is located in XXXX XXXXXXXX, Tx and I live in XXXX, Tx over XXXX hours away. After researching this physicians office, I learned that the address and picture is to a restaurant in XXXX XXXXXXXX, has no website and reviews are full of people complaining about the same thing I am reporting to which is a fraudulent scam. 
XXXX has reported that the account was " Opened '' on XX/XX/XXXX with the " report date '' and " date of last activity '' of XX/XX/XXXX. On the other hand, XXXX has an " open date '' of XXXX, a " report date '' of XXXX, and a " date of last activity '' of XXXX. 
This dates have obviously been falsified because it has not even been a year of this company trying to collect a debt from me and the dates do not match up.
Product: Credit reporting or other personal consumer reports

I disagree with the accounts listed below which still appears on my credit report ; even after your Investigation. Iw ould like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score : XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) and XXXX XXXX XXXX XXXX ( Account # XXXX ). In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection! -D, please provide the names and business address 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: Bank account or service

JPMorgan Chase Bank , N.A . charged my checking account {$200.00} in overdraft fees ( XXXX {$34.00} fees ) during a two business day window where my account was overdrawn and funds I was wiring into the account had not cleared. These charges are excessive and unconscionable, and in two instances were several times the amount of the transaction that triggered the overdraft fee. The Chase representative, XXXX, refused to reverse the charges. 

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

On several dates ranging from XX/XX/XXXX-XX/XX/XXXX, I have sent letters regarding inaccurate information being reported on my credit report. It has been well over 61 days and I have not received a response yet. I believe that my disputes have been ignored without receiving a proper and reasonable investigation. As per FCRA Section 611 ( a ) clearly states that failure to investigate a consumer dispute items within 30 days, the account in dispute should be removed immediately from the consumer report. It has been over 60 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the amount of time this has gone on for and this situation is stopping me from obtaining employment as well as credit. I have also sent letters to let them know that I was impacted from the XXXX and Equifax Data breach and have got no response.
Product: Credit reporting or other personal consumer reports

Experience Credit reporting as continually did violation of my fair reporting Credit act by way of, 15 use 1681 ( A ) 1-4 ( b ) it insured me that late payments and transactions are not part of the credit reporting report. Under my credit 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 Also my rights to a accurate account with only my name as seen on my ID and address envelope