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

Hi there, I applied to this Chase XXXX XXXX XXXX XXXX credit card sometime in XXXX. The card opening benefits shown to me when I applied to the card was getting XXXX reward points after spending $ XXXX within 3 months of card opening. However, after I spent more that that amount after 3 months, I didn't get the rewards back. I called XXXX first and they contacted Chase for me. Later on, I got an email saying that Chase advised that I didn't get those points because I didn't spend $ XXXX in the first 3 months. 

I contacted Chase the first time on XX/XX/XXXX and asked them to look into this. They said I got the offer which was getting XXXX reward points within the first 3 months after spending $ XXXX. However, that's not the offer I saw when I applied and I didn't even know that offer existed. I called for a second time as I heard nothing from them regrading how they would be dealing with my case. They said the previous case was being processed and they were not able to downgrade the offer. I asked them to submit another case for me based off some details I provided with them. 

I would like to say that I never saw the XXXX $ XXXX offer when I applied and I just want to get what I should get. I could have spent more if I really got that offer. I haven't heard back from Chase since then. 

Thanks, XXXX
Product: Debt collection

disputed XX/XX/22, XX/XX/22 Debt open date is incorrect. Debt has been bought by several different companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX 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, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection in the amount of {$10000.00} on XXXX XXXX XXXX original creditor XXXX XXXX WA account number XXXX. ( Please see page attached from my credit report. ) When I initially moved into the apartment I discovered there with two bulging holes in the roof ; along with numerous other defects in the apartment. I immediately contacted the management office and requested they send the maintenance supervisor and a crew member, along with the apartment complex manager, to investigate the roofing issues, as well as the other defects in the unit. I was assured by the apartment complex manager that these issues would be immediately resolved. The numerous repairs to the unit were never completed. Consequently, I had no choice but to vacate the premises. Due to the numerous repairs that were needed to the unit I was assured by the complex manager that I could vacate the property and that I would be released from the lease and that no collection action would be taken. The apartment complex did not honor their word. The supervising manager fired not only the apartment complex maintenance manager, but the crew member who initially investigated the material defects in the unit. I do not owe any outstanding balance and this false reporting of a collection is seriously harming my credit score. I have tried to contact the management company, as well as the bureaus to remove this collection however, I have not been successful. This line item needs to be removed from my credit report.
Product: Mortgage

I completed an FHA Streamline mortgage with XXXX XXXX XXXX Bank and they sold my mortgage to HomeBridge. At escrow, I was given XXXX receipts for my XXXX and XXXX payments so that I would know where to send my payments until my account was setup and I could make electronic payments. After signing, I misplaced the coupons and asked my broker to re-send them via email, which he did. I paid my XXXX payment on time using the coupons he emailed me. 

In XXXX, HomeBridge called me to inform me that I was late on my payment and they were " attempting to collect a past due debt ''. They called me on my work phone line. I asked them to call back on my cell phone. I ended up spending around 45 minutes talking to someone about my mortgage. He told me that I owed them {$1100.00}, which was disconcerting because it was significantly lower than expected. I asked them if they had setup my impound account to pay taxes and home insurance. He said they had not and that I would have to fax my tax documents and my insurance documents to XXXX separate departments! I immediately called my broker from XXXX XXXX, and he said to ignore them and wait for my welcome packet in the mail sometime in XXXX and to continue paying to the coupons he sent me. 

I paid my XXXX bill promptly on the XXXX of the month. Then on the XXXX of XXXX, I received another call from HomeBridge saying I was late on my XXXX payment, but they had received my XXXX payment. I told them I mailed the check to the same place as I had in XXXX and the check had been cashed! She asked me to pull up all kinds of information as to where I sent the check, who I addressed it to. Again, I was at work. Again, it took about 40 minutes. Then I just received another call today! The woman who I spoke to on Friday apparently did n't take very diligent notes. 

This process is a waste of my time and is a huge disturbance at work. I feel harassed to talk to these incompetent people out of fear that they will mistakenly report a missed mortgage payment to the credit bureau. I want to emphasize that I have followed all directions that were given to me and both of my payments were cashed. This process has been sloppy and jarring. HomeBridge should be seriously reprimanded for their disorganized practice and harassment of new mortgage holders.
Product: Debt collection

XX/XX/23 was the last communication I had with the company. I was trying to lower my garnishment amount. The company refused to help, used my wages from a month that I worked 200 hours of overtime. I submitted proper documentation to show my actual wages and how the amount they were garnishing was causing me to fall behind on my bills. They completed disregarded this. They have used demeaning and disrespectful behavior. They never sent me any documentation, contacted me about the debt or tried to notify me of a court date. The loan amount is incorrect. They raised it by a XXXX XXXX. I have filed a complaint with the attorney general office as well.
Product: Credit reporting or other personal consumer reports

Your advocacy lady Contacted saying she would handle getting me pay for the two XXXX XXXX in my name cash into your bank and account XXXX XXXX XXXX I were told by check fraud investigator XXXX around XX/XX/year> that SSN number XXXX led to that account he cash them into. 

Now it is Discovered that he has open up an account in my name at XXXX XXXXXXXX XXXX XXXXXXXX XXXX no XXXX and complaint file with XXXXXXXX XXXX  as XXXX which would involve illegal transactions at your bank, Please investigate. 

XXXX Claim no XXXX for XXXX
Product: Credit reporting or other personal consumer reports

Follow up letter from XXXX XXXX to remove hard inquiries from my credit file. 
To whom it may concern, I have written letter on XX/XX/XXXX for Experian Credit Reporting Agency to remove hard inquiries from my credit report. I have identified the following hard inquiries that should have been removed from my credit file. 
XXXX : inquiry date of XX/XX/XXXX. 
XXXX XXXX XXXX : inquiry date of XXXX. 
XXXX XXXX XXXX : '' inquiry date of XX/XX/XXXX. 
I would like to clarify that I did not authorized these inquiries, nor did I apply for any credit or services from these companies. As per the FCRA, consumers have the right to dispute inaccurate or unauthorized information on their credit file. I request that Experian Credit Bureau provide me with written confirmation once these inquiries have been removed from my credit file. Thank you for your attention in this matter. I trust Experian that they will handle this dispute promptly and resolve this issue accordingly. I look forward to Experian 's prompt action and a favorable resolution in this matter. Experian 's assistance in this regard will be greatly appreciated. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive been contacting EXPERIAN Fraud department for 7 days total now Ive been on hold each time for 30 minutes plus as of today XX/XX/year> Im on hold for an hour and 8minutes no one are able to assist me. Ive sent documents to them regarding my complaint and no one is handling this matter responsively. I have unauthorized hard inquiries on my credit report which needs to be removed. I was told someone was going to contact me at XXXX on XX/XX/year> but no one called I had to contact them which I did at XXXX and its now XXXX and Im Currently still on hold for a total amount in time XXXX and XXXX. This XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I requested that EQUIFAX complete an investigation in regards to a charge in the amount of {$3800.00} for XXXX XXXX on my credit report requesting that it be deleted. I provided a letter, pictures and emails about an apartment I had rented from XXXX XXXX that showed a severe rat infestation. EQUIFAX completed their investigation on XX/XX/22 and refuses to delete the incorrect information from my credit bureau. However I submitted the same request to XXXX they also investigated and removed the amount {$3800.00} from my credit bureau. I dont believe EQUIFAX investigated the issue at all. I am requesting since XXXX removed it that it also be removed from EQUIFAX. I have attached a copy of the completed XXXX investigation verifying that the XXXX XXXX collection has been deleted from my credit report.
Product: Mortgage

The lender advised on XX/XX/2017 By XXXX XXXX XXXX - opt XXXX - the clients file was approved for a loan modification : approval terms of In-house mod are as follows : Total loan amount is {$780000.00} -interest barring balance is {$540000.00} -deferred balance ( balloon note ) {$240000.00} -I/R is now 4.85 % and was 6.125 % XXXX month term - 40 years P & I pmt amount is {$2500.00} 1st pmt due XX/XX/2017 - this loan is on a service transfer list and will be transferred XX/XX/2017 - approval of terms are needed by the lender prior to the service transfer to ensure the new servicer honors the terms set forth. 

Since XX/XX/2017 I have been unable to get a response from the rep about the approved mod terms being mailed to the client. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX we have left voice mails for XXXX and also reached out to the opposing counsel regarding the approved terms, opposing counsel also reached out to XXXX and was advised that the approved docs would be sent to the client and to opposing counsel. To date the lender refuses to speak with the client to take a payment. The clients loan was on a scheduled transfer of servicer list and we were told the approved terms would transfer to the new servicer. We do not feel confident in the information provided by the lender and the lack of communication from the assigned rep is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXX XXXX {$370.00} on XX/XX/XXXX in full satisfaction of my debt, as evidenced by my bank statement from that month. On or about XX/XX/XXXX, Wakefield and Associates, a debt collector working on behalf of XXXX XXXX XXXX, erroneously reported to the credit reporting agencies that the aforementioned closed out account was open and in default. I called and spoke to representatives of both parties on XX/XX/XXXX, after I first learned that my fully paid bill was sent to collections, and I was reassured that the mistake would be fully resolved. At that point I had no idea that Wakefield had made the erroneous report to the credit agencies. Yesterday, XX/XX/XXXX, I was informed by my bank that I will not qualify for a mortgage to buy a new home due to this fully paid bill that continues to be reported as unpaid on my credit report -- that's the first time I learned of the erroneous report to my credit. I called Wakefield today and was informed that XXXX XXXX XXXX still hasn't reported the payment of the bill to them. I called XXXX XXXX XXXX and they insist that they have reported the payment of the bill to the collections agency. Neither party is willing to communicate with each other to correct the erroneous reporting on my credit report and clear my credit.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an error on my credit report that I believe needs to be corrected. The report contains an entry for an account that does not belong to me, and I am concerned that it may be causing incorrect information to be associated with my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING CREDITOR IS REPORTING ON MY CREDIT WHICH IS IN VIOLATION OF MY RIGHTS AND FDCRA. I DO NOT HAVE A SIGNED CONTRACT OR OWE ANY DEBT OR HAVE RECEIVED NOTICES OR PROOF OF ANY TYPE OF AGREEMENT. THEY ARE REPORTING A FAKE PAYMENT HISTORY, OPEN/CLOSED DATES, AND ALL OTHER LOAN DETAILS.ARE FALSE. 

CREDITOR : ACHIEVE PERSONAL LOANS XXXX Equifax Account Number XXXX Account Status Closed Account Type Installment Account Type Detail Installment Account Balance - Bureau Code Individual Credit Limit - Date Last Active - XX/XX/XXXX XX/XX/XXXX Date Last Payment - XX/XX/XXXX XX/XX/XXXX Date Opened - XX/XX/XXXX XX/XX/XXXX High Credit - {$12000.00} {$12000.00} Last Reported - XX/XX/XXXX XX/XX/XXXX Month Term - XXXX 36 Monthly Payment - Past Due - Payment Status Collection/Chargeoff Comments- Transferred to another lender. Account charged to profit and loss Charged off account
Product: Payday loan, title loan, personal loan, or advance loan

Please look at the XXXX Home Equity Line of Credit page. There are Transaction, Payments, Charges columns. When you make payments, there is no remaining balance column to see the payments applied. You have to wait until statement date or outstanding balance at the top of the page is updated which you don't when, but also since it doesn't show what it was before, you don't know if applied correctly unless you took note of what the balance was. When you have so many accounts, it is very difficult to follow or track if payment is being applied correctly. 

I am just asking CFPB to force XXXX XXXX to have one more column next to payments that shows remaining balance every we make payment. We want to see our payment history with each payment we make. If you make multiple payments in a month, it is very very difficult to track the balance without significant hassle. You just have to trust them to do the right thing or spend considerable amount of time reconciling your numbers. I have been with XXXX for almost a decade and they have never updated their website or app even once. Very shady and irritating institution.
Product: Mortgage

I wish to be included in the Wells Fargo settlement created as a result of the CFPB complaint. I had a Wells Fargo mortgage and was repeatedly denied a modification. 

Due to a financial hardship I requested a mortgage modification. I was denied the modification based on my mortgage type " not being able to be modified ''. I was then invited to reapply a number of times for a modification that could not be done, according to Wells Fargo. Each time the modification was denied for the same reason. 

I have since learned from a legal consultation that the mortgage could be modified, but was denied based on an arbitrary and not financially-based decision. 

Had I known that the mortgage could not be modified I would have taken other actions to avoid foreclosure and an adverse credit rating. 

My property went into foreclosure and was sold in XXXX.
Product: Student loan

On XX/XX/XXXX I contacted XXXX XXXX and disputed 2 student loans one for XXXX and another forXXXX dollars. That I didnt sign for or give permission to anyone to use my information to take out the loans. On around about the XXXX I printed off line the application for fraud like I was instructed to by a representative from 0SLA. I was told to send in copy of drivers license and Proof of address I sent it in. I called back on XX/XX/XXXX. Still was told to keep calling weekly it is still under investigation, but I was told by the representative that the email on file was not mine, the address that was used I moved from it 5 years ago. And the time this person is attending school I am working I have a full time job I work Tuesday tru Saturday from XXXX XXXX  to XXXX XXXX. So I dont understand why they will or have not removed this from my credit.
Product: Debt collection

Received an alert from consumer credit monitoring service that a collection account had been placed on my XXXX credit file. Debt had previously been disputed and removed because the Original Creditor and their previous collection company had both violated the bonding requirement prescribed by Texas Finance Code Section 392.101 by attempting to  collect on a debt in Texas without having a Surety Bond on file with the Texas Secretary of State. Original Creditor has again violated the same Texas laws and also specifically by violating Tex. Fin. C. 392.304. Violations of the Texas debt collection act are per se violations of the Texas Deceptive Trade Practices Act. Tex. Fin. C. 392.404. D.T.P.A. damages for violations of the Texas debt collection act are not limited to economic damages but encompass all actual damages, without regard to whether the conduct of the defendant was committed intentionally. Tex. Bus. Com. C. 17.50 ( h ). The Texas act also applies to first-party creditors, that is, entities attempting to collect their own debts. Tex.Fin. C. 392.001 ( 6 ) ; Tex. Fin. C. 392.301, 392.302, 392.303. The Texas act also allows for injunctive relief. Tex. Fin. C. 392.403 ( a ) ( 1 ) ( A person may sue for injunctive relief to prevent or  restrain a violation of this chapter. ) Both creditor and the new collection agency failed to give any notice of the debt prior to placing the item on my consumer credit file. The Original Creditor has lost its right to collect on this debt because they previously violated Texas Consumer Protection laws and are deceptively causing the consumer to lose rights by transferring/selling the debt to another collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX XXXX I check my credit report with Transunion, XXXX and XXXX and there is unauthorize hard inquiries from XXXX. 
There is also 9 hard unauthorize inquiries on Transunion, and 13 hard inquiries on XXXX and 4 on XXXX. 

I have been disputing with XXXX, XXXX and XXXX but credit reporting agencies refuses to delete all unauthorize hard inquiries from my credit reports. 

I am XXXX Lifetime, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX student loans reporting On Equifax and XXXX fraudulently and I need them taken off
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account never late XXXX XXXX No knowledge of this account XXXX XXXX No knowledge of this account Security Credit Services No knowledge of this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, I noticed back in XXXX  timeframe that my equifax fico score went down XXXX pts. It was odd because I had not applied for anything to my knowledge. I have been paying my bills on time and trying to rebuild my profile. I monitor my Fico scores on several platforms and thankfully I do. 

I called Equifax on 2 occassions, 1 was to document my issue and ask for my score to be restored. While I was on the phone with Equifax personnel my reports from XXXX till XXXX was deleted. They downloaded my new XXXX report to check and see if they deleted the evidence i guess. I say that because I did not request an update to my report. 

When I called the 2nd time, it was to let them know that I noticed the deletions but I still have the reports. I aslo told them how disrespectful I thought that was. I am asking for my points to be restored to my profile immediately. 

phone number called XXXX First call ; XX/XX/XXXX XXXX XXXX lasted 9 min 11 secs Second call ; XX/XX/XXXX XXXXXXXX XXXX  lasted 7 mins 37 secs I also monitor my reports via XXXX so I still have evidence. 

This is unacceptable business practice and such aggregious actions should not be taken lightly. I have been depressed about my profile since my discovery. I have been working diligently to improve my Equifax profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX EQUIFAX, are reporting an account as delinquent that are pass the seven year reporting time as allowed under the Fair Credit Reporting Act. The following account should be deleted XXXX XXXX XXXX. This account is more than seven year old.

According to the Fair Credit Reporting Act, Section 609 a1A, Equifax are required by federal law to verify, through the physical verification of the original signed consumer contract and all accounts they post on a credit report.
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. After reviewing my personal credit report, I have identified several inconsistencies that have a significant impact on my financial standing, particularly my chances of owning a home. Understanding that errors can occur, I have researched the dispute process and acknowledge the required investigation timeframe of XXXX days. I would like to bring to your attention the following errors : XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. XXXX has already removed these accounts from their records, citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable.