23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My name is XXXX XXXX Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Incorrect Spending Requirement Calculation Chase XXXX XXXX XXXX  Credit Card To Whom It May Concern at the CFPB, I am filing this complaint against JPMorgan Chase regarding their handling of the welcome bonus spending requirement for my Chase XXXX of XXXX Credit Card XXXX I believe Chase incorrectly calculated the XXXX spending period, which resulted in the wrongful denial of my XXXX Free Night Awards. 

Details of the Issue : I applied for the Chase XXXX XXXX XXXX Credit Card online on XX/XX/XXXX and received my card on XX/XX/XXXX. My credit card membership officially started on XX/XX/XXXX, which should mark the beginning of my XXXX spending window. 
Chase claims that my spending deadline was XX/XX/XXXX, but based on my membership start date, it should have been XX/XX/XXXX, XXXX total spending within 3 months of receiving my card was {$4000.00}, with my last qualifying transaction made on XX/XX/XXXX. 
Chase denied my bonus, stating I did not meet the spending {$4000.00} requirement within the XXXX period, even though their calculation appears to be incorrect. 
Attempts to Resolve the Issue : I contacted Chase multiple times via secure message and phone to request a review of their calculation. 
Chase repeatedly stated that my spending period ended on XX/XX/XXXX, without providing any explanation of why it did not align with my membership start date. 
I requested escalation to a XXXX, but Chase refused to reconsider my case, stating they must " treat all customers fairly. '' Why This is Unfair and Misleading : Chase did not clearly communicate that my spending period would start before I received and activated the card. I applied the card online how do i know if my application got approved or not.How do I know When is my first day of this credit card. 
If I had known my spending deadline was XX/XX/XXXX instead of XX/XX/XXXX, I would have ensured I met the requirement in time. 
Other Chase credit cards typically calculate the spending period from the card activation date, which is a reasonable expectation. 
Resolution I Am Seeking : I request that Chase honor the XXXX Free Night Awards as I met the spending requirement within 3 months of my membership start date. Additionally, I ask for greater transparency in Chase 's promotional offers to ensure future customers do not face similar issues. 

Thank you for your time and assistance in reviewing this matter. I appreciate the CFPBs help in ensuring that financial institutions fairly and accurately enforce their promotional terms. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft back in XXXX  and I have new accounts that are showing on my credit report unauthorized l. Vehicle loans from XXXX, late payments on account that was not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 Balance : {$170.00} U S DEPT OF EDXXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX  Balance : - XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$210.00} XXXXXXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXX XXXX XXXX  Balance : {$1800.00} XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX wasnt my originating lender. My loan was sold to them. I sent my mortgage payments in two increments. They returned the checks and said that they can only accept payment in the full amount. This was never relayed to me prior to them taking over my loan. They then reported my payment as late to my credit report even though I sent them the full amount.
Product: Debt collection

Hello, and I hope all is well. While reviewing the credit profile to XX/XX/XXXX the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. National Recovery Services hired a third-party collection of XXXX XXXX University to report items on the credit profile. If out of network required treatment, nothing presented or explained during the time of visit was ill during the time of treatments. Pre-Authorizations are required before the visit. If practices failed prior, as a consumer, my credit shouldn't be compromised. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Product: Debt collection

On XXXX XXXX, 2015, I received a letter from Asset Recovery Solutions , LLC, ID # XXXX, XXXX license # XXXX, The letter was dated XXXX XXXX, 2015, The company owned meter stamp on the envelop was dated XXXX XXXX, 2015. I moved XXXX XXXX 2015. I filed a moving notice with the XXXX XXXX the last week in XXXX. 

This, letter as stated above, arrived at my new address on XXXX XXXX, 2015 with an official yellow forwarding label placed by the XXXX XXXX dated XXXX XXXX, 2015. This letter was NOT mailed to me on XXXX XXXX, 2015, but rather sometime in XXXX with a date placed by this preditor company of XXXX XXXX. The company owned meter stamp was altered to reflect a date of XXXX XXXX, 2015. 

This company will stop all proceedings against me at once. 
any manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to request unauthorized credit inquiries on my TRANSUNION Credit Report. My latest credit report shows 2 credit inquiries that I did not authorize.

I am writing to dispute the following inquiries and asking for their removal from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.
Product: Checking or savings account

My business account overdraft fees from chase bank business checking account XX/XX/2023 OVERDRAFT FEE FOR A {$32.00} ITEM - DETAILS : ORIG CO NAME : XXXX XXXX ID : XXXX XXXX XXXX CO ENTRY DESCR : XXXX XXXX XXXX : WEB TRACE # XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX NAME : XXXX XXXX XXXX Fee - {$34.00} - {$270.00} XX/XX/2023 OVERDRAFT FEE FOR A {$13.00} CARD PURCHASE - DETAILS : XXXX XXXX  # XXXX https : XXXX. MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fee - {$34.00} - {$240.00} XX/XX/2023 OVERDRAFT FEE FOR A {$12.00} CARD PURCHASE - DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Fee - {$34.00} - {$200.00} XX/XX/2023 OVERDRAFT FEE FOR A {$11.00} CARD PURCHASE - DETAILS : XXXX # XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Fee - {$34.00} - {$170.00} XX/XX/2023 OVERDRAFT FEE FOR A {$76.00} CARD PURCHASE - DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fee - {$34.00} - {$270.00} My Personal account overdraft fees from chase personal business account XX/XX/2023 OVERDRAFT FEE FOR A {$14.00} ITEM - DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX WEB ID : XXXX Fee - {$34.00} - {$230.00} XX/XX/2023 OVERDRAFT FEE FOR A {$50.00} ITEM - DETAILS : XXXX XXXX XXXX PAYMENT XXXX ID : XXXX Fee - {$34.00} - {$190.00} XX/XX/2023 OVERDRAFT FEE FOR A {$150.00} ITEM - DETAILS : XXXX XXXX WEB ID : XXXX Fee - {$34.00} - {$160.00} XX/XX/2023 OVERDRAFT FEE FOR A {$80.00} RECURRING CARD PURCHASE - DETAILS : XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Fee - {$34.00} - {$130.00}
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 deleted : XXXX - XXXX XXXX Balance : {$3200.00} XXXX XXXXBalance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXXBalance : {$1700.00} XXXX  XXXXBalance : {$160.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXXBalance : {$520.00}
Product: Credit card

Charges from XXXX began appearing on my XXXX credit card. I have since learned that one of the charges may be a subscription. I do not, and have NEVER, had a XXXX subscription that I knowingly signed up for. There have been other, larger charges too. US Bank has been very good at blocking the charges, refunding the charges to my account, and EACH TIME THEY CANCEL MY CREDIT CARD AND REISSUE ANOTHER CARD. This has happened four times. I am now on my 5th card because of this issue. I have spent hours on the phone, in person and on the internet with US Bank and XXXX. I have not been able to crack the XXXX code to find what they are billing me for. You can not resolve this issue on the phone. A recording directs you to their website. You have to have an account number and must sign on with the device you used to set up the account. I have neither of these. US Bank has advised me that when XXXX closes a credit card, they give the new, re-issued credit card number to XXXX and that's why new XXXX charges appear even though I have closed my credit card. US Bank has told me there is nothing else they can do. How can this be cost effective to US Bank. Do they not garner fees from this credit card. How do I get these charges to stop and how can I prevent XXXX from giving out my new credit card number? How many people does XXXX scam like this??
Product: Credit card

Capital One USA has been reporting to the XXXX credit bureaus that I have a credit card with a credit limit of {$10000.00}. Initially, I was not sure if this was my credit card account since there had not been any activity on it since XXXX. I requested a fraud investigation. Capital One requested additional information from me which I sent to them XXXX/XXXX/XXXX. They researched my account and found no evidence of fraud and placed a disagreement code with a resolution of dispute on my credit file. So I requested a credit card to be mailed to me so I can utilize the account and low interest rate. They refuse to issue me a credit card so I have no access to the {$10000.00} credit limit they are reporting is available to me.
Product: Credit reporting

Approximately every XXXX months ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) I get a hard credit inquiry from XXXX. I have never authorized this hard credit inquiry and I would like this company to stop making hard credit inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I mailed out dispute letters to all 3 bureaus to remove one account and I have received a response from them. My first letter went out XX/XX/2020 and I gave bureaus more than 60 days with no response. Second letter went out XX/XX/2020 and still no response. Please have them remove item from my credit report, as you see they even have non matching opening dates of account and non matching closing dates accross the board. This is a 2nd violation of false reporting according to Section 623
Product: Vehicle loan or lease

My name is XXXX XXXX and I'm filing a complaint against Nissan Motor Acceptance Corp, XXXX, XXXX, and XXXX for continuing to report this inaccurate information on my credit report regarding a balance of {$6100.00} as a charge off on account # # XXXX. According to the Fair Credit Reporting Act law code 15 U.S. Code 1681s2 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. I have documentation that its inaccurate information is still showing on all of my credit reports on XXXX, as of XX/XX/2024 and my records show Nissan Motor Acceptance could not validate the debt from which they stated to me in a letter with their letterhead. I also have documentation that Nissan Motor Acceptance Corp was not my lien holder. The correct lien holder was XXXX XXXX and the account number was XXXX. I'm requesting this inaccurate information including but not limited to late payments to be completely and permanently removed from all 3 credit bureaus including XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19, My attorney mailed a debt validation letter to Helvey and Associates ( Please see attached letter ). Helvey did not respond. Additionally, they reported a fraudulent account to my credit file and did not list it as disputed. Helvey and Associates is violating the Fair Debt Reporting Act and the FCRA.
Product: Credit card

On XXXX/XXXX/15 a charge of {$95.00} was posted to the account by XXXX XXXX XXXX NJ, which we noticed on about XXXX/XXXX/15 and called Amex right away to dispute the charge as fraudulent, dont know if they disputed or not but were notified that the charge is valid, accordingly its invalid, never were at the spa or used their service. 
According the charge XXXX XXXXThe expiration date provided is different then the one in the card, the signature is different then our signature that we sign anywhere civil and government documents bear different signature. 
However Amex easily defrauds customers ... .. The charge is plain fraud. We explain to amex ... Amex claimed that is unfaired that their company should absorve the costs.
Product: Credit reporting or other personal consumer reports

Subject : DEMAND DELETE IMMEDIATELY INQUIRIES UNAUTHORIZED UNDER CREDIT REPORT I recently reviewed my credit report and found unauthorized inquiries. 

I have contacted the CREDITORS BELOW AND THEY HAVE NO PROOF THAT I INITIATED SUCH INQUIRIES, NO WRITTEN AUTHORIZATION, and have provided no permissible purpose. Since they have no authorization from me, either written or verbal. 

I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. Pursuant to Section 604 of the Fair Credit Reporting Act Permissible Purpose of Consumer Reports 15 U.S. Code 1681b in general. Subject to subsection ( e ), any consumer reporting agency may provide a consumer report under the following circumstances and no others. ( F ) otherwise has a legitimate business need to obtain the information ( 1 ) in connection with a business transaction initiated by the consumer. 

Per 15 U.S. Code 1681i, Paragraph ( 5 ) Handling of Inaccurate or Unverifiable Information ( A ) In general. If, after a reinvestigation pursuant to paragraph ( 1 ) of any information disputed by a consumer, an item of information is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall : ( 1 ) promptly delete. 

Additionally, Pursuant to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify ( by physically verifying the original signed consumer contract ) each and every INQUIRIES you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account. 

I demand that you show me verifiable proof ( an original consumer contract with my signature ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has affected my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and if you can not provide me with a copy of the verifiable proof, you must remove the accounts listed below. 

The following inquiries are not authorized : XXXX, XXXX. - XX/XX/XXXX - EQUIFAX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX - EQUIFAX
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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: Debt collection

Amerassist AR Solutions, contact info ( XXXX. XXXX XXXX, XXXX, OH XXXX ) are reporting inappropriately to credit bureaus as well as in violation of law including HIPPA, FTC, FDCPA, as well as questionable if they have a right to collect in my home state. I demand that they stop reporting and remove negative items ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX XXXX to tell you that I am a XXXX XXXX XXXX XXXX and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX CO XXXX Balance : {$2900.00} ; XXXX, XXXX Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX Inquired on XX/XX/2022 2022
Product: Mortgage

Mortgage abruptly changed to a new Servicer ( from Imortgage to XXXX Mortgage ). My payments are automatically sent every XXXX via my bank. With the late notice, I did not have time to change the payment to the new servicing company. I called the previous company ( Imortgage ) -- to explain and request the payment be transferred to the new Servicer XXXX XXXX XXXX. Problem is Imortgage is no longer taking live calls pertaining to my account. I just get an automated message telling me they are no longer servicing my loan. Then the call disconnects. What can I do? I recently received a statement from the new Servicer XXXX XXXX XXXX telling me that my loan payment is late. When I called them to explain, and complain that they did not give customers enough notice, they did not seem to care. They told me to call Immortgage to 'figure it out '. Well, clearly Imortgage doesn '' t want to be bothered either. The XXXX rep I spoke to claimed to have made notes on my account ... but really not sure about that. Should I call my bank and stop payment? Or do I just wait and hope it gets worked out? I am SO frustrated, and really could use the advice. Thank you!
Product: Credit reporting or other personal consumer reports

I am so deeply disappointed that to this day, I am still begging for these accounts to be removed. It's not like I just made up these accounts, but these are not 100 % verified and are uncertified. It affected me so bad mentally that I can not even afford my own therapy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an email from capital one. It said capital one auto refinancing ( ( NO IMPACT ON YOUR CREDIT REPORT ) ) ( ( NO HARD INQUIRY ) ) I click on the email to read it. It tells me to put in vehicle information and to fallow to prompts to see what the offer is. After I did so and seen what the offer was I excited out as it was not a good offer. Next thing I know I get an alert telling me a hard inquiry was opened on my credit report on XX/XX/2021. I have called them 10 times over the past year to have them remove it. I have even done so with all 3 credit reporting agencies and sent them copies of the email, that stated ( ( NO HARD INQUIRY ) ) They still refuse to remove it. I still have copys of the emails as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've decided to file a complaint agent account the credit reporting agencies listed. Transunion and XXXX have both informed me over the phone to send it documentation to support my claims of identity. I have done so, 4 times now and gotten no results or responses. I recently called and spoke with representatives for each company who were both located outside of the US, so of course there were not able to locate my documents. I've attached new and relevant documentation to this claim, please send them to both companies. XXXX has been very helpful and complaint.
Product: Debt collection

I have no accounts that are delinquent. For both medical and personal credit cards or accounts. I have tried to communicate with all three bureaus and I am still receiving an abundant amount of calls.
Product: Checking or savings account

Today is XXXX XXXX I went to my online Bank of America account I use for business to send a wire to XXXX XXXX XXXX XXXXXXXX for Product they delivered to our business expecting to receive a same day wire for payment in full {$11000.00}. There was not a hold on any monies in this account this is a new business partner and this is the first wire we sent so they called me to validate the wire. I confirmed all of my account information log into their system with all my passwords and they sent a separate code to my phone. 

My identity was certainly validated however they said I would have to pay another way cash or check. This has caused a grievance with a new business partner and those are my monies to access how I chose. This should be against the law!