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

I signed up for the XXXX XXXX Visa credit card issued by XXXX XXXX XXXX. The conditions of the offer stated that XXXX bonus miles would be posted following the completion of an eligible purchase within the first 90 days. The terms of the offer were fulfilled as of thXX/XX/XXXX statement ; however neither the bonus miles nor the miles earned for the statement have been posted to my XXXX account. 

The attached statement confirms the miles due to be posted. Per the offer, miles would be deposited within 6-8 weeks ; this timeline has long since been exceeded. Attempts to resolve this issue directly with the credit card issuer have been unsuccessful, and a formal case was opened : case no. XXXX. As of today, no miles from the XXXX XXXX Visa credit card have posted to my XXXX account. Both XXXX and XXXX XXXX XXXX have confirmed that the credit card is successfully linked to my XXXX account. 

Any assistance to resolve this issue is greatly appreciated. 

Here is a snippet of the offer terms taken from their website : -- Subject to credit approval. Only one XXXX credit card per customer. Must have earned XXXX from flying XXXX XXXX or an airline included in the XXXX partner network or have been a previous XXXX credit cardholder to apply. It is required to enter a valid mobile phone to fill out application. Before we approve you for a credit card, we will review your credit report and the information you provide in your application to confirm that you meet the criteria for this offer. Based on this review, you may receive a Visa Platinum or Visa Signature card. For benefits details, please read your credit card benefits materials which will be mailed after your account is established. 

1To qualify and receive your welcome bonus XXXX offer, you must make an eligible purchase with your Card within the first ninety ( 90 ) days of your Account opening date. The welcome bonus XXXX earned will appear in your XXXX member account within 6 to 8 weeks after your first eligible purchase was made to the Account, so long as your membership with XXXX has been confirmed, and the eligible purchase occurred within the 90 days previously referred to. To be eligible for this welcome bonus XXXX offer, your Account must remain open and in good standing on billing statement closing date where the first eligible purchase made to the Account is reflected. Subject to the terms and conditions of the program. For more information, call XXXX or visit XXXX. The following types of transactions do not qualify as eligible purchases and do not earn XXXX : use of Convenience Checks, Balance Transfers, Cash Advances, unauthorized or fraudulent charges or fees of any kind including Annual Fees or Balance Transfer Fees, Purchase of casino chips, other methods of gambling, or any other Transaction that we determine at our sole discretion constitutes or is equivalent to a Cash Advance. Subject to the terms and conditions of the program. For more information visit XXXX
Product: Credit card or prepaid card

I was part of an affiliate marketing business ( XXXX = XXXX XXXX XXXX XXXX ), that got shut down by the FTC. I charged the amount of about {$100000.00} with several credit cards, which almost all resolved the dispute by refunding my money. I charged XXXX with Chase Credit Card. Chase said I did not file in time. The charge happened in XXXX XXXX The shut down happened in XX/XX/XXXX I purchased XXXX to different locations which did not happen because of the shut down. Before the shutdown I submitted my card to a debt relief group " XXXX XXXX   '' ( XXXX ), I told XXXX that my business does not exist anymore due to the US government and XXXX  said they will file a dispute. I made sure that this happened and XXXX said they did file the dispute. Recently I got my credit back thinking that the dispute was resolved, but the other day I got a call from Chase and they are now denying my dispute. They are saying I filed the dispute too late! I would like help from you to get the money back, since I can not attend any XXXX, no more websites, no response through emails, ... My online account does not exist anymore, Chase canceled it and I can't even see my statements
Product: Credit card or prepaid card

Called the business back in XXXX about receiving a check in the mail for the credit of XXXX that's been sitting in my account which has also been closed since XXXX, and the {$39.00}  for the membership fee that was promised to be sent back to me upon closing the account within an acceptable time frame. Back in early to mid XXXX I applied and was approved for another credit card of theirs and attempted to close the account with the membership fee. Company refused to close the account due to an active dispute, but froze the account so that no more time went by since I was requesting the {$39.00} back. Account was only active for about a month after membership fee was applied. Screenshots provided show last time card was used and when membership fee was applied. Called two weeks later after dispute was closed and was able to get the account closed. Agent told me I would be getting a check for the {$25.00} and another one for the {$39.00}  seperately. This was a month and a half ago ... NEVER received either check.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX  Accounts # XXXX, # XXXX, # XXXX and XXXX XXXX  have violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed or corrected as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I made a payment of {$1200.00} on XX/XX/XXXX towards my car loan, payment cleared my bank on XX/XX/XXXX. 

On XX/XX/XXXX XXXX XXXX  I called Bridgecrest because I noticed the payment was not showing in my payment history. I was first told to call my bank and see why and I explained I could see that payment had already cleared my bank. The representative told he me could see that Bridgecrest had received the payment but that it hadn't been applied. After a lengthy phone call he said that payment would show on my account within XXXX hours. 

XX/XX/XXXX at XXXX XXXX  I called Bridgecrest again as payment was still not applied. We went back through the same conversation with them saying I should give it more time and then that it showed in the Bridgecrest portal as being applied but I was using the XXXX portal and that hadn't updated. We set up a Bridgecrest portal and the payment did not display there either. The representative told me the payment would be applied within XXXX hours. 

As of this morning, the payment still has not been processed and XXXX hours have passed, as well as XXXX business days. 

I have been trying to pay this loan early and am not able to see a corrected amount of total remaining balance due to interest being accrued on the incorrect balance. During XXXX I received a late notice on my account, even though I was paid several months in advance. I had to contact and have the fee removed because even though Bridgecrest realized there had been a mistake and notified me the message was sent in error, they only removed the fee after I complained to them.
Product: Student loan

Since I have got loans with navient. i have acumilated XXXX in intrest. I have had job the hole time I have been out of college. I did not start making a ok salary till 8 years after being in college. When I was makin XXXX dollars a hour first out of college there was no Income base repayment plan, if I had to pay rent I some times missed a payment. Now I have acumilated so much interest affecting me from being able buy a house navient / XXXX XXXX has made my life difficult for a very hard for me a working citizen When I got the loan for college I was told that college loans are the easiest to repay that is the farthest from the truth. When I was half way done with school I had to take a private loan to finish school or else I would have been kicked out of college.
Product: Debt collection

XXXX XXXX has leased an apartment in XXXX at XXXX XXXX located in XXXX XXXX, SC. I was an occupant of the property and not a leaser/guarantor for the lease. The company had an outstanding balance on the lease that was finally settled by the company in XXXX but the collection company National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX, GA XXXX had placed this as a collection account on my credit negative effecting my credit. This derogatory account on my credit is stopping me from closing my home this week ( XX/XX/XXXX ) potentially jeopardizing my interest rate lock. 

I have attached the letter from the landlord with zero balance.
Product: Debt collection

I experienced water intrusion in my bedroom and the damaged drywall was removed and never replaced. This happened XX/XX/24. I had just paid XXXX rent. I paid XXXX rent, although the drywall was never replaced. I filed a petition against the property/landlord and withheld XXXX and XXXX rent. I moved out of the unit/complex on XX/XX/24 and turned in the keys on XX/XX/24. The hearing was held on XX/XX/24, where the landlord agreed to waive any and all charges. Because of the inconvenience to me and the fact that I would not have moved had it not been for the negligence on the part of the landlord, they agreed to compensate me {$1200.00} for my moving costs. I received an alert on XXXX XXXX and all three credit bureaus last week stating there was a change in my credit report, which ultimately resulted in a change in my credit score of XXXX points. The landlord breached the terms of the agreement by stating that I owe them money and it was turned over to a collection agency.
Product: Debt collection

I have been dealing with XXXX XXXX XXXX. This company states on my credit report that they could not locate consumer and never sent over any verification of debt before we got contacted by XXXX with a company called XXXX  XXXX. We started paying XXXX back in XX/XX/XXXX. We started paying this company after speaking to XXXX XXXX and them stating that he was the company that is collecting for them, this is after they stated that my account shouldn't be in collections. I called back to see if I could receive a verification of the debt from them as they never sent me XXXX and never got through to anyone. In XX/XX/XXXX I received a notice from XXXX, XXXX. stating that they would be proceeding with trying to collect funds on this account. At this point I assumed that my payments to XXXX with XXXX XXXX would stop as I received this notice. At the end of XXXX when my payment came due to XXXX he still tried collecting on the debt at which point prompted a call to XXXX to explain the situation. He stated that he has had issues with XXXX XXXX but had no documentation that he was no longer supposed to collect on my account. At this point I called XXXX XXXX to see what was going on. When I called they gave me a different company name that was collecting on my account, completely different from the XXXX companies already listed. I asked them about XXXX XXXX and they stated they had him listed as well. I asked them why I am now being pursued by another company if they still have XXXX XXXX on file at which point he provided me with a phone number to the new company ( again the name and number escape me and I can not find the paper I wrote it on ) and stated that he was going to speak to a XXXX and call me back. I at that point called XXXX, XXXX and never could get through to anyone, the company XXXX XXXX gave me over to and couldn ; t get through with out an access code and got a call back from XXXX XXXX to call back and when I did I never got back through to anyone. At this point I have continued to pay XXXX XXXX in good faith as I do not want to be pursued by any other company but at this point this debt is close to XXXX XXXX XXXX. I am not fully sure of the proper information on the debt as I never received a full verification of it and I don't have a clear understanding of who the heck should actively be working with me. XXXX, I keep getting notice on my credit of a missed payment to them when I have been paying monthly since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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: Bank account or service

On XXXX XXXX, I drove 3 hours from Washington DC to XXXX, PA for the sole purpose of closing my bank accounts with First National Bank ( who just bought out my bank - XXXX of PA ). I went to the XXXX branch on XXXX XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX ). I was met with, " We ca n't close your accounts until Tuesday because we do n't have account totals. '' Seriously? Way to plan for the merger! I signed all the paperwork and was told they would mail a check on Tuesday, XXXX XXXX to my temporary residence in XXXX, MD. It 's only XXXX miles away from XXXX so should have arrived the next day. Wednesday, the XXXX came and went. Thursday, the XXXX came and went and still no check. I called Friday, the XXXX and was told the checks were n't mailed until Thursday and should arrive early this week ( XXXX XXXX or XXXX ). 

It is now XXXX XXXX, almost TWO WEEKS after closing my accounts and I STILL HAVE NO CHECK. I called again this morning and talked to the bank manager, XXXX, and was told that the checks were sent last Thursday, the XXXX, not Tuesday as promised, but they went to a main bank or corporate or whatever in XXXX first and would be sent out from there sometime. " Probably Monday or Tuesday she said but that was a guess. She did not verify that they were indeed sent out. '' Meanwhile, I have {$50.00} in cash to my name which I used to open the account at the new bank. I have an overdue credit card which is now maxed out because I have no cash and First National Bank has my {$15000.00} in limbo for almost 2 weeks and the best part is I now owe a late fee and all the interest on it because of this whole screwed up process and the repeatedly being lied to. I also have no way to pay my electric bill or buy groceries. Way to go First National. I clearly made the right decision to close my accounts when they bought out XXXX. I want my XXXX money!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

I told XXXX and Transunion to update my person information and to reinvestigate these accounts and inquiries listed below, however, they stated everything was complete and accurate. How is that possible is the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that isn't reporting correctly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681b - Permissible purposes of consumer reports.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.

Also they aren't in compliance with Metro 2 credit reporting. I have evidence to prove my case.
Product: Mortgage

We did the Covid loan forbearance for a year. A month before it was ending we started a loan modification with our mortgage company Wells Fargo. That was back in XXXX. They told us to apply for Nebraska XXXX help and weve been approved as of the first part of XXXX. We havent heard anything back from Wells Fargo after Ive made XXXX attempts to reach our mortgage preservationist who doesnt return my calls. We are falling further and further behind every month that they drag their feet. Today I went to deposit a check from my insurance company for the jail damage to our home. Wells Fargo will not deposit the check in my account so I can pay the XXXX they took the check instead and is placing it in an escrow so they can divvy the money out to the contractors as they see fit. They said they are doing this because we are behind in our mortgage payments. I didnt know they could or should do this its wrong. We are being penalized for being under the Covid forbearance which I didnt think they could do. The paper work they gave me basically instructions about the check and having the work done says in one paragraph that the money can not be used for anything except for repairs and restoration on our home and not for making up loan payments. The next paragraph says the money can be used to pay off our mortgage if it was a sufficient amount to do so or combined with other monies to pay off the loan that was ok. They say it cant be used for anything else then they turn around and say we can use it to pay off our mortgage. WHICH IS IT?!! I feel we are being punished for taking the loan forbearance which says we wouldnt be penalized for doing so. Im not a child I can manage the repair money and pay my contractors myself. Wells Fargo is making me call them and request a draw on the money from them in order to pay the contractors. This is an insult to me Im XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize any employment company to access my background check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on the stated accounts for months. The credit bureaus refused to reverse the late payments. I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP .. XXXX/XXXX XXXX, XXXX  XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquires on my credit report that are not from my doing, I have tried to get this taken off my credit but the credit bureau still report the inaccurate and fraudulent inquires when I am not the person who actually applied for them on my credit. I tried disputing them online, by mail and calling. I am at my breaking point!
Product: Mortgage

My homeowners insurance with XXXX XXXX is due XX/XX/2019. XXXX has already sent the new policy and an invoice to Roundpoint, and Roundpoint has not responded. I have twice emailed the new policy to Roundpoint as well.

The online chat for Roundpoint has not been operational for the past few days ( including today ) so you can't get a hold of anyone. I need this homeowners insurance paid by XX/XX/2019. There is plenty of money in the escrow account. 

I also noticed that Roundpoint just settled a class action lawsuit for lender-placed insurance.
Product: Credit reporting or other personal consumer reports

XXXX, recently they edited a payment history on my credit report to show XX/XX/2021 as XXXX  days late, when previously it showed XX/XX/2021 as current. They did this to fit in with the lies being told. Due to covid my family was super sick and had a XXXX repossession. They are claiming it was XXXX  days late on the XXXX repossession, but it was not. They said after XXXX  days they can list it as a charge off even though they gave me my car back. This was never disclosed to me nor was it in my contract. It took XXXX years for me to finally be told this information. They have ruined my credit due to grossly reporting in accurate info. I have paid on time for XXXX years, but they wont report XXXX single month as currentt. They said they decrease balance every so often, but Im not so sure its decreased correctly. I have disputed so many times but theyve found a loop hole and are using it to their full advantage. How can they report a CO, and also closed account on my other credit report when Ive been paying on time for going on XXXX  years. This is a gross misinterpretation of the truth. It is destroying my families life! Recently they went in and edited the XX/XX/2021 payment status as I said above to 30 days past due when previously showed current bcs it was. They said it was XXXX  days past due for XXXX, XXXX, XXXX, XXXX but I made a payment in XXXX. They are editing information to help continue the shady business practices. They are destroying my life! My score dropped XXXX points after the reason edit. Please help me. The XXXX  is involved now also, and have been communicating to Santander XXXX. They have the legal terms down to a science and know exactly how to word everything. XXXX going to sue the XXXX, XXXX and everyone involved for defamation. This is a lie!!! Im paying on time every month but all it shows is XXXX How do I know they wont steal my car even?? It was over {$12000.00}. And now over {$3000.00}. Im afraid at this point. I hope I can attach documents to show you what theyve done to my credit report. Thank you for your help. Pls dont Let them get away with this huge injustice. Im a XXXX  XXXX  of XXXX. I wont stop fighting this until its fixed to show accurately or removed completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Dear Transunion, I am writing to request the removal of two missed payments from my credit report as per the rules of construction under 15 US Code 1681A Title Definitions.

I missed two payments on my [ XXXX Credit Card ]. As per the terms of the agreement, this missed payment was reported to the credit bureaus, affecting my credit score and making it difficult for me to obtain credit in the future.

However, I would like to draw your attention to the rules of construction under 15 US Code 1681A Title Definitions, which state that any information reported to the credit bureaus must be accurate, relevant, and substantiated. In the case of the missed payments.I believe that it does not meet these criteria, and as such, should be removed from my credit report.

I would appreciate your prompt attention to this matter and your confirmation that the missed payment has been removed from my credit report. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX