23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I signed up on XX/XX/XXXX for the Chase Bank XXXX bonus through a link provided to me by my Mom, it included a bonus for checking, savings and doing both. I met all criteria to receive the bonus but was met with resistance from customer service and the branch manager at my local chase location. 
It was brought to my attention that a bank bonus code was processed on my account in XXXX, although I did not meet the criteria nor did the XXXX account receive a bonus. The previous account was closed for more than 90 days when I applied for a new account in XXXX. The wording in the fine print of the bonus specifically states that I am ineligible to receive a bonus, if I had received one to my account in the last 2 years. NOT that a code cant be processed on my account within the last two years. My account in XXXX NEVER received a bank bonus. This wording is incredibly misleading. 

This process has been incredibly frustrating and time consuming for me, as the only incentive for me to switch my checking account over was the bonus that Chase was offering. Not to mention, my multiple visits over to my local location to speak with someone, just to be told that the manager is not in and that I would have to return on a later date. In total, I spent 5 hours of discourse on the phone or in person to try and get this issue resolved. After spending this time, the branch manager stated she would reach out to her upper management for help but she never followed up with me. 

Hoping to find some resolution with this.
Product: Checking or savings account

I've been communicating with the banks concerning the 20 NFS fees I've collected on this account. Most of them are due to the fact of allowing certain merchant to send things to my account. This has caused sufficient stress because I'm unemployed and doesn't get Unemployment.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX  Act. # XXXX, XXXX Act. # XXXX, XXXX XXXX Act. # XXXX, XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXX XXXX  XXXX acct XXXX XXXX, XXXX XXXX XXXX acct XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report continues to show a balance on my Chase United Explorer account of {$5100.00}. There has been no update since XX/XX/2022 and I have paid down the balance significantly. I contacted Chase Bank and they claimed they could only start reporting the correct amount after I sent them a letter stating that the dispute I was had with XXXX XXXX XXXX XXXX XXXX was settled in a Small Claims case in XXXX XXXX. 

This statement should suffice and I am demanding that Chase start reporting the correct information to the credit bureas for my Chase United Explorer Account under te name of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

all these items were taking care of in a bankruptcy i did. They should not be reporting on my credit report. I have been trying to dispute these items for the past 7 months and they keep giving me the run around. first they asked for id, ssn and a bill. They they say they will not process because it looks like letters do not come from me. I have replied to every letter they send me and they still failed to investigate my disputes. They just keep delaying and not investigating
Product: Money transfer, virtual currency, or money service

Not being able to connect with a representative in cash app
Product: Mortgage

1. TMS ( XXXX XXXX is having systemic IT issues negatively affecting me and several neighbors whose loans have been transferred to XXXX XXXX. I bet this is affecting their wider customer base/ 2. TMS, as the servicing arm of XX/XX/XXXX my refinance company, set up a new loan for me in its system on XX/XX/2020. No payment was due for XXXX as shown on their monthly statement ( attached ). 

3. My first payment was due on XX/XX/2020. I made the payment on XX/XX/2020. Proof of payment clearing from my bank is attached. Proof that TMS applied the payment as shown on the monthly statement is also attached. 

4. On XX/XX/XXXX TMS sent an incorrect Goodbye letter Dated XX/XX/XXXX saying that the loan will transfer on XX/XX/XXXX to XXXX XXXX, but that consumers are liable for making their XX/XX/XXXX to the new servicer which does not even have the loan onboarded. 

5. Unexpectedly, on XX/XX/2020 TMS moved my XX/XX/2020 payment to a suspense account causing me to show as delinquent on the XXXX payment. It then transferred me as delinquent to new servicer. 

6. TMS managers stated on the phone call that I can ignore the issue and that I will not be transferred as delinquent to XXXX XXXX. They apologized profusely about the incorrect goodbye letter and stated that to get it corrected I must send a Notice of Error, which I did to theirXX/XX/XXXX, CT address. I have not heard back yet. 

7. On XX/XX/2020 TMS reported me late for the XXXX payment. Again, proof of timely payment and payment application is attached. 

8. On XX/XX/2020, the new servicer onboarded the loan and stated that I was transferred as delinquent on my mortgage and that TMS never sent over the XXXX payment. The new servicer wants me to make the XXXX payment again to come current.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, still shows XXXX hard inquires, that have been reported as fruard, by myself and the credit card company. But was never taken off. 

Ive tried several times. But unable to reach equifax, customer service.this is the most unprofessional service Ive ever experienced.
Product: Vehicle loan or lease

On XXXX XX/XX/XXXX, my brother XXXX XXXX called me and asked if I would cosign for him a vehicle with GM Financial a.k.a. XXXX XXXX because he couldn't get it with his score being so low. I said yes and was immediately put on the phone with the sales rep who was selling my brother the XXXX XXXX XXXX. The rep said his name but said it so fast that I didn't catch it and he immediately asked me if I had a valid driver 's license, asked for my social security number, address, phone number and name. He asked me if he could run my credit to be a cosigner for my brother 's purchase of the vehicle? I told him to run my credit and that was all we discussed. My brother and his girlfriend were in the dealership waiting and the sales rep left the room to run my credit ; upon his return he told my brother that my credit was good enough for him to purchase the vehicle. I received a sales contract via letter mail on XXXX XX/XX/XXXX, and the contract was per-dated for 3 days earlier XXXX XX/XX/XXXX when my brother was initially in the dealership. There were no stickers, arrows or highlighted sections of any kind on the contract indicating where I should sign but I did sign the contract and send it back to XXXX XXXX. 
-During the months of XXXX XXXX dealership kept calling me for payment XXXX XXXX dealership states payments not being made on time XXXX XXXX vehicle sent to collections XXXX XXXX vehicle repossessed XXXX XXXX sent letter stating the intend to sell vehicle at auction XXXX XXXX XXXX requested copy of original contract from dealership XXXX XXXX XXXX received illegible copy of contract from dealership XXXX XXXX XXXX got original contract from my brother XXXX XXXX XXXX noticed that dealership has me listed as buyer and not cosigner -Once dealership found out that I disputed the account via XXXX and XXXX as fraud, they sold the debt to XXXX XXXX. 
XXXX XXXX XXXX XXXX contacts me stating the purchased my debt and they are requesting debt be settled with them
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX XXXX, & equifax documentation over 30 days ago and they have violated FCRA and not removed which is required if not resolved or no response within 30 days. Equifax told me all collection charge off and loans were deleted except for 3 trade lines and they lied and are still reporting it. They even provided me two confirmation of deletion numbers. They are still showing on my credit. The disputed items need to be deleted from my credit file, all accounts showing closed in collection or charge off status are fraud. I sent them ( XXXX ) 3 identity theft reports and FTC report. I sent my driver license, social security card and utility bill and all info requested to validate my identity. They are refusing to delete the items.
Product: Credit reporting or other personal consumer reports

Delete hard inquiries In accordance with 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 604 a section 602A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer reporting containing any of the following items instructions any other adverse item of information other than record of convictions of crimes whish antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( a ) ( 5 ) 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. 

Deleted the account below : 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: Mortgage

I called Select portfolio servicing on several occasions asking to lower my mortgage with a modification. My mortgage was {$1700.00} a month for XXXX XXXX I had no problems paying on time. Then in XX/XX/year>, it jump up to {$3400.00} a month XXXX cant pay that. Do I been paying the XXXX. They informed me that they will held in escrow and the payment will be late, then the payment start increasing cause of the late fee. I sent in my whole check they didnt credit my account. I informed them that I can not pay that and I want to keep my house. They the investor not moving forward an any modifications cause the property basically not worth it. I got kids I been asking them to help me. Then my credit score started dropping because of it. Please someone help
Product: Debt collection

I am writing to address the presence of fraudulent accounts, specifically XXXX XXXX XXXX XXXX, currently damaging my credit report. These accounts have been confirmed as fraudulent through an identity theft report, with the associated banks acknowledging the validity of the report.
Product: Debt collection

these animals keep calling me from this company Atlantic Credit & Finance , Inc . 
XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX phone i woe nothing to nobody and they are annoying me and i am also on do not call list, so please please stop these animals
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed a few years ago that my information was compromised via the XXXX datat breach. They offered me a lot of free this and that but never took the accounts off.
Product: Debt collection

XXXX was previously removed from my reports, only to be reinserted in 2018. Previous complaint on file with cfpb, yet neither company responded to complaint.
Product: Debt collection

All of a sudden on my credit report a company called online collections showed up recently Ive never heard of them or the people they represent I have asked him three times to send me the dispute form and they have not and I asked them to pull it off my credit report while they are investigating because obviously they have the wrong person because I said I cant even prove I wasnt even in the same state where theyre saying the charges were incurred on the day that they were saying they were in XXXX so I was halfway across the country and yet they wont pull it off my credit report and Ive tried to reason with these people but they are beyond reason I mean I cant understand putting something negative on your credit report if it in fact is yours but its not mine and they wont even pull it off while that Im disputing it and they still havent sent me the form ...
Product: Credit reporting or other personal consumer reports

Ive been going back and forth with the credit bureau TransUnion, XXXX, XXXX, trying to get my credit report fixed but to no avail theres inaccurate accounts that dont belong to me that Ive noticed which is two XXXX  XXXX accounts that arent mine and XXXX XXXX  account that isnt mine either.Neither credit bureau does any complete investigation into this matter which frustrates me that I cant get help. This is causing me harm and is very detrimental for me to obtain credit.
Product: Credit reporting

I signed up for XXXX XXXX XXXX received modem via the mail- upon installation, the equipment was inoperable. Contacted XXXX, and they sent out a technician who could not fix the issue. Never had working service- became dissatisfied with the company and switch to XXXX . XXXX billed me for the month I had no internet service. Contacted a representative from the company who indicated that they would resolve the issue. Upon reviewing my credit report, discovered that not only was it, was not resolved, it posted as a derogatory account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my rederally protected consumer XXXX to envacy and conndentality under 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 has violated my rights XXXX 
I looked at my Transunion 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 1

possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 Use 1681i5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general, 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 e 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 ( il ) 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 delieve that the Information is inaccurate!
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX, Account name : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX, has violated my rights. Account name : # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX, has violated my rights. Account name : # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, has violated my rights. Account name : # XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX, has violated my rights. Account name : # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX, has violated my rights. Account name : # XXXX, Account name : XXXX XXXX has violated my rights. Account name : # XXXX, Account name : XXXX XXXX, has violated my rights. I looked at my Experian 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 ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generall, after any reinvestigation under paragraph ( XXXX ) 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

In accordance with the fair credit report act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 620 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not Furnish a Account without my written instructions
Product: Money transfer, virtual currency, or money service

Transferred XXXX to Coinbase exchange from XXXX exchange is unavailable. I can't withdraw, sell or buy using transferred XXXX into Coinbase exchange account.
Product: Credit reporting or other personal consumer reports

I consistently ensured timely payments, so I'm puzzled by an error in my credit report. 
I desire accurate, updated records reflecting my on-time payments for those accounts. I sincerely hope such discrepancies won't recur.
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 Experian 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 corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX To whom this May Concern, This item was purchased by a third-party debt collector. This account must be deleted as the status is not correct, the amount is not correct, and account was paid for less than owed by third party debt collector. As you can see by my attached report. This information is NOT CORRECT & NOT ACCURATE. There for it must be DELETED IMMEDIATELY. Here is the account name and number for reference and incorrect amount. LVNV Funding llc acct # XXXX amount XXXX How much did the collection company pay for this item? I dont know and neither does my credit report reflect such amounts. This is a clear violation of FCRA as this is not accurate or complete. DELETED THIS IMMEDIATELY! Thanks, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Last XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my consumer report and its reporting the two accounts that I previously disputed as verified. Im requesting validation pursuant to the FDCPA 15 U.S.C 1692g of these accounts in addition to providing a description of how you certify that the information was complete and accurate. If you can not provide me with factual evidence to support how the accounts below were verified as complete and accurate, you must delete them immediately. 

NAMES : XXXX XXXX This name is unknown and does not belong to me. Please delete name and any accounts associated with this name XXXX XXXX This name is unknown and does not belong to me. Please delete name and any accounts associated with this name ADDRESES : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX this address is unknown. Please delete this address and any account associated with this address. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX this address is unknown. Please delete this address and any account associated with this address. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX this address is unknown. Please delete this address and any account associated with this address. 

XXXX XXXX XXXX FL XXXX XXXX, NY XXXX this address is unknown. Please delete this address and any account associated with this address. 

XXXX XXXX XXXX XXXX, NY XXXX this address is unknown. Please delete this address and any account associated with this address. 

COLLECTIONS : XX/XX/XXXXXXXX This account is unknown. Please provide verifiable proof or delete this account for FCRA violation 15 U.S.C section 1681 XX/XX/XXXXXXXX This account is unknown. Please provide verifiable proof or delete this account for FCRA violation 15 U.S.C section 1681 CAPITAL ONE This account is unknown. Please provide verifiable proof or delete this account for FCRA violation 15 U.S.C section 1681 CAPITAL ONE This account is unknown. Please provide verifiable proof or delete this account for FCRA violation 15 U.S.C section 1681 XXXX XX/XX/XXXXThis account is unknown. Please provide verifiable proof or delete this account for FCRA violation 15 U.S.C section 1681 XXXX CREDIT This account is unknown. Please provide verifiable proof or delete this account for FCRA violation 15 U.S.C section 1681 XXXX XXXX XXXX his account is unknown. Please provide verifiable proof or delete this account for FCRA violation 15 U.S.C section 1681 INQURIES : XX/XX/XXXXXXXX XX/XX/XXXX his is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file. 


XXXX XXXX XX/XX/XXXXXX/XX/XXXX his is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file. 


XXXX XXXX XX/XX/XXXXXX/XX/XXXX his is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file.
Product: Credit reporting or other personal consumer reports

There is a collection thats being reported on my credit report thats not mine or belongs to someone else. The name of the company is XXXX XXXX XXXX