23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was on the Southwest Airlines web site and was going to book some air. An ad pops up from Chase cards that if I apply for their Southwest credit card I could get XXXX bonus miles. So I applied for their card. While trying to book air I get another message that says I will get a {$100.00} credit for booking the air with their credit card. I could n't book with their credit card since I had just applied for the card and did n't have the information needed to book using their card. So I stopped trying to book and called Chase to see if I could get the credit card information. I had to talk to someone to get the application approved. It was approved but I could n't get the information that I needed to get the air booked. They expedited the card to me but since it was a holiday weekend it took 5 days to get it to me. I got the card and was able to book the air but I saw nothing anymore about the {$100.00} credit or the XXXX bonus miles. I called today to see what the story was and was told that there were XXXX offers that I saw and I could n't combine them. If those offers show up in the same day on the same transaction I would think that they should be combined. I feel this is a bait and switch tactic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX  and changed my name and XXXX  from XXXX XXXX XXXX to XXXX XXXX XXXX and would like to have my XXXX XXXX Experian credit s ore with my current name Im the same person.
Product: Credit card

I called the points redemption number for my credit card and was told since the card had not been used in the previous 12 months, the account had been closed & my points were now expired. I only had XXXX points, but still feel I should have been able to use them up.
Product: Checking or savings account

I reported an unauthorized transaction to chase immediately after it was made and closed my card. I asked chase to deny the purchase because I did not make it, I don't own an XXXX and was at work, not online ordering video games. Chase gave me a refund and closed my checking account at a XXXX balance on XX/XX/year>. XX/XX/XXXX I received a letter they canceled the refund and I need to pay the money back on a closed account or ot will be charged off affecting my credit. Chase said they spoke with the merchant but provided me no proof and that they didn't have to. The merchant, ganestop didn't have record of the transaction and after they researched this, recommend me disputing the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I noticed an inquiry from XXXX XXXX Bank on my Transunion consumer credit report. The issue I have is that no investigation was done by Transunion and the inquiry is still on my report. I say this is an issue because I don't recognize the inquiry plus the name on the inquiry is spelled XXXX XXXX. How could this make it to my report of Transunion is supposed to be exercising grave responsibilities. I attached proof of the inquiry and the spelling of my name being wrong. I also attached the Identity Theft Report.
Product: Credit reporting or other personal consumer reports

Dear CFPB Dispute Department, This letter is to formally dispute inaccurate information appearing on my credit report. and a request to removal of the account with the inaccurate reported information Specifically, I am disputing the following : Duplicative Reporting of Charge-Off : Account Number XXXX with XXXX XXXX XXXX XXXX is showing a charge-off status every month, and stating that the account is open on all reporting forums ( XXXX, Equifax, and XXXX XXXX. I have submitted disputes with all other credit reporters. This is creating duplicate entries and unfairly impacting my credit score. A charge-off should be reported once, not monthly. I request that you remove all duplicate entries and ensure that only the original charge-off date is reflected, and overall request the account be deleted from the report as it is reporting inaccurate information. 

I am requesting that you investigate these items pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 611 ( a ) : This section outlines permissible purposes for furnishing and using consumer reports, ensuring that the information is used fairly and accurately. The repetitive reporting of the charge-off creates an inaccurate reflection of my credit history and violates this provision.

Section 623 ( a ) : This section grants me the right to dispute inaccurate or incomplete information on my credit report. I am exercising this right by requesting an investigation of the duplicate charge-off entries.

Section 611 ( b ) : This section mandates that credit reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information. The redundant entries demonstrate a lack of reasonable procedure and I request that you correct this error.

Please conduct a thorough investigation of these disputed items and provide me with the results in writing within 30 days, as required by the FCRA. I am enclosing copies of previous credit reports showing the duplicate entries to support my claim. 

I also request that you provide me with the name, address, and telephone number of the furnisher of the disputed information. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX
Product: Credit card or prepaid card

My credit card number was stolen and used for fraudulent purchases in XX/XX/2018, including charges on XXXX and at a Meat shop in maryland, called " XXXX XXXX XXXXXXXX OF XXXX XXXX MD '' on XX/XX/2018 for {$540.00}. I had the account on autopay so I didn't notice the charges right away, but I notified my credit card company as soon as I noticed the charges, and they refunded all the charges besides for XXXX XXXX XXXX, which they claim was valid charges. I have never been to this meat shop, and I was in XXXX, WA on the day the fraudulent charges were made. Citi continues to close my dispute, saying that they learned that I provided the merchants with my account information, even though I did not do that. When I have called, over many months that I've been dealing with these disputes, they tell me they will reopen the dispute, but then never actually change anything and they continue to tell me I need to wait 1-2 billing cycles. Nobody has been able to tell me why they think I made this charge, because I haven't. 

The account number at the time ended in XXXX, But i don't have the full account number to put in the next section because I no longer have the card since it was closed.
Product: Credit card

I contacted Wells Fargo, who oversees Dillard Credit Cards, regarding lowering my 23.49 % interest rate. XXXX, the rep I spoke with, informed me I could apply for " another '' Dillards credit card with a lower interest rate ; however I would not be able to transfer my existing balance to the new card. I feel this rate is excessive. I have a good credit score, been a loyal customer for 20+ years and feel I am being taken advantage of.
Product: Mortgage

Our loan servicer transferred to Ditech who decided to first double our impound payment and then after multiple attempts to explain they are wrong and provide proof from the county, they play games with us and continue to increase it. Twice now they said say we will do an escrow review in 7-10 days and both times did not resolve the issue and actually made it worse. How this company made XXXX and then made it equal XXXX is confusing and why I have to over pay for their errors month after month or I will get a penalty and late is extremely unfair and wrong. XXXX attempt today the representative attempted they were wrong and said sorry we have too many new people and maybe in a few months your issue will be resolved. I was told I had to still continue to overpay despite them knowing they are flat wrong until they get around to fixing it. How is this legal? They should have to give me interest for stealing my money for this many months as that is what is happening. We are happy to send the details over should you need to view the documentation but I am fearful to submit not knowing if this will ever be read.Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states consumer reporting agency can not furnish account without my written instructions.
Product: Debt collection

I contacted the bank that I had already reopened a account with after settling a large amount owed after being incarcerated. They claim I re-owe the same money I already paid back. I was evicted wrongfully during covid and lost all of my paperwork that shows prof of payments to several collection agency involving U.S.Bank. They are trying to collect thousands of dollars dating back almost 10 years ago. They are super rude and have no working telephone service to talk to a rep any more. Also there apps suggest that it makes and manages my phone calls. Also my credit score has been badly affected for a long period of time due to this, it's also causing me not to be able to get a lone to buy a vehicle and other things. Please help.
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX ( XXXX ) is in violation of : Using any false, deceptive, or misleading representation or means in connection with the collection of any debt, in violation of Section 807 of the FDCPA, 15 U.S.C. 1692e, including but not limited to : ( 1 ) falsely representing the character, amount, or legal status of a debt, or any services rendered or compensation which may be lawfully received by a debt collector for collection of a debt, in violation of Sections 807 ( 2 ) ( A ) and ( B ) of the FDCPA,15 U.S.C. I692e ( 2 ) ( A ) and ( B ). On XX/XX/XXXX, I received a Notice of Default - Right to Cure notice from XXXX in the amount of {$10000.00} for account # XXXX. On XX/XX/XXXX, I received a notice from XXXX stating that they would be force placing hazard insurance on my deceased parent 's home. Specifically they state, " Because hazard insurance is required on your property, we plan to buy insurance for your property. '' In addition, on XX/XX/XXXX they ordered ( order # XXXX ) and conducted a Broker Price Opinion ( BPO ) on my deceased parent 's home without conducting due diligence or authorization. I have repeatedly told XXXX the security interest they are allegedly servicing, and is legally described in the note and mortgage is not my deceased parent 's home. My deceased parent 's home, per tax records ( attached ) and Deed, is located at Rt. XXXX XXXX XXXX, XXXX, New York. The property 's legal description is codified in Deed XXXX XXXX, dated XXXX in the XXXX XXXX XXXX XXXX. XXXX is erroneously attempting to foreclose on this property. The property legally described in the note and mortgage is codified in Deed XXXX, dated XXXX and is associated with recorded mortgages : XXXX, XXXX and XXXX, all of which are recorded in the XXXX XXXX Land Records. See attached property map. XXXX refuses to acknowledge the truth and continues to pursue collection on the wrong property. They repeatedly state that they are servicing the account per the note and mortgage. They are not. I have provided proof that they are in fact incorrect.
Product: Money transfer, virtual currency, or money service

I cash app money to Someone in the amou it {$82.00} dollars .Which was deducted from my bank account.. The person cash app was cancelled before receiving the money Which mean Cash was suppose return my money back to my bank and they never did and refuse to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry accounts are showing on my credit report that does not belong to me, or my address has no ties with this collection or me. This was added to my credit file without my knowledge or my consent. This violates the Fair Credit Reporting Act Section 1681b and is a serious breach of my privacy rights.
Product: Mortgage

I applied to refinance my loan # XXXX Wells Fargo bank last XXXX. The loan agent was XXXX XXXX XXXX. I have a 30 year mortgage and wanted to refinance to a 15 year mortgage. My credit rating was and is XXXX. I pride myself on maintaining an excellent credit rating. My present mortgage payments are taken out of my checking account bi-weekly. I have also made additional payments on my loan proving to have the finance to pay my loan. My yearly income is approximately XXXX. 
They gave me a hard time. They wanted information on my annuities, information I didn't think was of their concern. I refused to violation my financial security in an unprotected environment. During COVId many people are working from home. There is no real protection from fraud. They had enough information available to them to approve the loan. I want this matter investigated. I do believe their treatment of me was biased. I let those who contacted me know how I felt regarding the way i was treated. I felt that is I was white, I would had been treated differently I will never do business with them again.
Product: Credit card or prepaid card

On XX/XX/2019, I applied for Chase Freedom Unlimited Credit card. For the first time, chase hard pull my credit reports which are XXXX and XXXX   and I got reject. So I called Chase customer service to reconsider my application the next day. The second time, I got approve but Chase hard pull my credit report which is XXXX again without my permission. I can understand if Chase checks my credit report for the first time because when I applied for a Chase credit card on the Chase website I agree Chase 's agreement which means I permit Chase to check my credit report. But when I called Chase customer service to reconsider my application on the next day, Chase didn't ask my permission but checked my credit report. Even if this is the same credit card application but chase already checked my credit card one time and the second time they didn't ask my permission but check my credit report. I should have the right to know if Chase checks my credit report. When I called Chase customer service to reconsider my application they didn't ask me they are going to check my credit report for the reconsider.
Product: Credit reporting or other personal consumer reports

I received my credit report recently and noticed there is still a fraudulent account appearing. Reinvestigate and delete the accounts listed below : Account XXXX : XXXX  XXXX. 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Mortgage

I entered a modification with Nationstar only to be denied, due to not submitting documentation, however, I have fax confirmations. I called to check the status of my modification on XXXX/XXXX/2015 was then informed that I was denied and that there was a sale date of my property on XXXX/XXXX/15. I was dumbfounded. Have called repeatedly, the bank refuses to work with me saying there is nothing they can do now. 
I was never notified that there was a sale date, Nationstar said it was my responsibility to continue to call in, and if I would have I would have been notified of the sale date. This company should not be allowed to do business. I am now down to a matter of hours before I lose my property and there is absolutely nothing the bank will do!! DEVASTATED!!
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion, XXXX and XXXX showing inaccurate information
Product: Debt collection

Portfolio Recovery calls me no less than XXXX  times a day and anywhere from XXXX. Some days it's XXXX, others it's more. 
Numbers show up as originating in various XXXX cities, including local areas. 
Regardless, this is harassment.
Product: Mortgage

I filed bankruptcy in XX/XX/XXXX. It was discharged in XX/XX/XXXX. Prior to filing, I received numerous letters in the mail from Ditech stating that I could have XXXX-XXXX applied toward my loan or some other option. In XX/XX/XXXX, I had my hazard insurance reduced as I had lost my car/home discount and it was just too much. I notified Ditech of the reduction and said to reanalyze escrow to reflect new amount. They said they would,. I was NEVER late with a payment before or after my bankruptcy. It took them until XX/XX/XXXX to redo my escrow amount and then did not apply that amount until XX/XX/XXXX -- -- making me " appear '' as if I was not making the full payment on my monthly mortgage. I called numerous times and it was only today, XX/XX/XXXX that I learned that will not reanalyze escrow during a bankruptcy. THAT IS RIDICULOUS-Then they told me that they have been applying my paymnets made to the previous month because there was a " shortage '' which again is ludicrous! But if not for the fact that they waited 6 entire months to adjust the 2 refunds I sent them to be applied to my escrow account, none of this would be happening! I 've spent HOURS on the phone with Ditech with them giving me one excuse after another and NEVER truly trying to resolve this. Every other month, I get mail from them informing me that I still owe them anywhere from XXXX-XXXX dollars from monies they are trying to extort from me, from THEM not doing their job in a timely manner and penalizing me, in indirect, nondescript ways for filing bankruptcy! If anyone owes anyone, Ditech owes me-Not only for their erroneous business practices, but for emotional and financial strain and trauma. They also denied a different type of modification for me to comfortably afford my mortgage, due to the bankruptcy and said I did n't " qualify '' even though my mother passed away and my income from both her and my employer decreased substantially! They also LOCKED ME OUT of online access to my account to make payments for free and only allowed me limited access!!! Then I find out today that I was totally locked out! THAT makes no sense, whatsoever!!!!!
Product: Debt collection

Log of calls : XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX And this goes on and on for the last 4 months. I have contacted the company. No one at my number owes this company anything and never has. I have talked to them on the phone and emailed them. Call is from Allied International Credit. Never owed this company or anyone they collect for money. Never on my credit report. I have turned this in before with no relief.
Product: Credit reporting or other personal consumer reports

XXXX XXXX acct ending XXXX This is he accounts that is is giving inaccurate information
Product: Bank account or service

My bank, USAA deposited my tax refund of XXXX dollars into the wrong bank account. According to USAA, another USAA account holder by the name of XXXX XXXX XXXX was unjustly enriched by money that belongs to me. USAA initially did not want to help at all, and essentially sent me on a fruitless 2 month run-around which involved me contacting my tax company, XXXX, as well the IRS, XXXX XXXX XXXX XXXX, my local police, and even my small claims court. None of these organizations helped me, and all insisted that I get back in contact with my bank ( USAA ). After finally submitting a formal complaint through the XXXX, I was contacted by a representative named XXXX XXXX who said she would attempt to get my money back by calling XXXX XXXX and asking him to put the money back into his account, so that it could be transferred to me. Note, this was a solution of which I asked USAA to perform months ago, and they were not willing. It took countless hours on the phone with USAA and finally an act on XXXX part to get my bank to do the minimum amount of effort. However, this effort was also made in vain as I was told that I would see results on the week of XXXX XXXX, 2016, and still have not heard anything about the money being put back into my account. USAA claimed that they will not pay for the damages, and will only resolve the issue is XXXX XXXX puts the money into his account. Seeing that the XXXX XXXX is not legally obliged to remedy an error made on USAA 's part, it is apparent that he will never put the money back. To conclude, I am asking for help to resolve this issue with my bank, so that my money can be sent to me ( the rightful owner ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to advise I have been a victim of identity theft for the following account XXXX BANK XXXX, XXXX XXXX hard inquiry. I did not authorize the use of my name or personal information to obtain credit loans, goods and or any other services pertaining to this report. I am requesting this fraudulent accounts be corrected as soon as possible.
Product: Credit card

Macy 's assessed me a late fee. They have a new website that locked me out and would not allow me to pay the bill. When I called to have the late fee removed they said that they would but that it was a courtesy removal and that I would only be forgiven this XXXX time. Even though it was their fault. Then when I called to pay my bill the next month I asked if I could pay half now and half a day after it was due and they would not take my money and charged me a late fee, no grace periods, no courtesy forgiving of lateness because they had just done so last month.
Product: Credit reporting or other personal consumer reports

Dell Pay Credit provided by Comenity Bank Is participating in damaging practices that are at the very least immoral and likely illegal. This account had fallen past due, however it was paid in full multiple weeks ago. They continue to report this account as past due even though they acknowledge that there is a XXXX balance. Because of the continued past due status they also reduced the credit line by over 90 % ( From XXXX $ to XXXX $ ) further negatively impacting my credit since I now have a lower amount of total credit. They out of country call center they report to asked for far too much personal data to verify the account every time I call as well ( they want full name, address, account number, date of birth, social security number, phone number, and email address ).