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

On XXXX XXXX, XXXX, I applied for a XXXX XXXX  Rewards credit card from Chase Bank. I applied for this card after clicking on an online advertisement ( to the best of my recollection, it was an ad on XXXX ) offering a promotion for new card applicants to receive XXXX XXXX Rewards bonus points if they spent {$2000.00} in the first two months of using the card. 

I remember the terms very clearly because it was the *only* reason I applied for this card. I already have three other credit cards and had no need for a fourth, but these terms were attractive enough to entice me, in part because I travel often on XXXX and was about to book a flight that would put me near the {$2000.00} spending requirement. 

I applied for the card and was quickly approved - I booked three round-trip flights for my family the same day. I received an email from Chase with the terms of my card agreement, but nowhere in the documents did they confirm or explain the terms of my promotional deal. 

Over the next two months, I made a point to continue spending with the card to ensure I reached the required {$2000.00} threshold. I also continued to see advertisements for similar deals, promising big bonus points for signing up for a new card. ** I waited for the points to post to my account, but they never did, so I called Chase Bank today. 

A Chase customer service rep told me that the deal I had in fact signed up for was much smaller : only XXXX bonus points if I spent {$500.00} in the first month, plus a {$200.00} credit on my statement. The Chase representative said I may have clicked on the wrong offer inadvertently, but I do not recall at any point seeing those terms offered as an alternative to the much larger deal. That would not have been enough to entice me to open a new card I did not need. 

She also offered no explanation for why I would n't have been eligible for the bigger reward, which was certainly being offered at the time I signed up. Instead, she said there was nothing she could do. 

I believe Chase used unfair and deceptive tactics to earn my business, and is now refusing to honor what I believe I am owed, despite my being what I consider a model customer - paying my bill on time and continuing to regularly use the card. 

**I have attached a copy of the card agreement I received from Chase, with no mention/explanation/confirmation of any reward terms. I have also attached an email from earlier in the year with an advertisement similar to the one I recall seeing many times and eventually clicking on. The image in the add is the XXXX XXXX Rewards Plus card, the same card I now have.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( cfpa ) specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulation e. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Checking or savings account

I XXXX XXXX, is demanding citizens bank open a reinvestigation into the fraud claim XXXX ) I requested documents and I was told that the bank will not provide documents, which violates XXXX XXXX, XXXX Procedures for resolving errors, ( 3 ) Request for documentation or clarifications. When a notice of error is based on documentation or clarification that the consumer requested under paragraph ( a ) ( 1 ) ( vii ) of this section, the consumer 's notice of error is timely if received by the financial institution no later than 60 days after the institution sends the information requested.

citizens bank is in full violation of regulation E and denied my claim based on an assumption of my device being used, I am a victim of identity theft, I was this claim reopened and reinvestigated, I also want the documentation used to deny my claim which I am entitled to according to regulation E
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments were reported for a car loan by Bridgecrest in which I was severely impacted by XXXX XXXX  pandemic. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681, Section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666 B.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I have been trying to removing fraudulent information from my credit reports with the credit bureaus but I haven't had any luck. These accounts do not belong to me and whoever opened these accounts must have had my information somehow the creditors have not provided me with any documentation containing my actual signature so how can it be verified? I have no idea who opened these accounts, could be a family member, I have no idea. But I need them removed immediately, the credit bureaus are violating my rights by keeping them there.
Product: Debt collection

I had an account with XXXX phone service in which we did not receive signal on the phones. I ( and everyone on my plan ) complained to the company in store several times, as well as on their company phone number and were told they were working on the towers so it would be resolved soon. After a couple months with no resolution we asked them to close the account. In which case they sent us a bill for canceling the account and then some. I disputed the bill in writing several times and had yet to receive any response to the matter. Now I see that this is on my credit report and I wish to see an investigation into this as I do not feel I should have to pay for service that does not work nor pay to cancel such service. 
Thank you.
Product: Money transfer, virtual currency, or money service

THIS IS A FOLLOW UP ON CASE # XXXX I have contact CFPB about this case and Citibanks response was to get the money from XXXX XXXX I was provided a letter from XXXX XXXX ( see attached letter ) stating that XXXX XXXX has returned the funds and seek attached file And its Citibank STILL DID NOT eturn the funds. 
I need Citibank to return all the funds that XXXX has already stated in the letter.
Product: Debt collection

I received a letter from speedy cash debt collection dept threatening to sue me over old debt and also said that if I didn't respond wuthin seven days my bank accounts would be seized thru major credit bureaus and that I was under investigation. They are asking for way more money than the orginal supposed debt. I received this email on XX/XX/XXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my report that are simply NOT mines. I have ask the credit bureau several times to no avail to investigate each and every inquiry that does not bare an applicable account related to the inquiry. There has been sever time where I get a alert from my credit monitoring service telling me someone is applying for credit. I immediately contacted the credit bureau to notify the of the situation with no remedy.. I have seen with my own eyes. My father who is XXXX and I'm XXXX apply for credit using his Social security number and the inquiry immediately shows on my report. For this reason I have asked the credit bureau to investigate each and every inquiry but to no avil I have ask in writing as well via telephone. I've also ask for proff of all inquiries showing they belong to me ie and application bearing my name social security number and signature and address to prove that their report is completely accurate as reported but as of this date no responce was given!
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. has violated my rights. I looked at my Transunion credit report on and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I SENT TWO CERTIFIED LETTERS TO CHASE FOR A CREDIT CARD DEBT THAT HAS BEEN REPORTING ON ALL THREE THE MAJOR CREDIT BUREAU 'S. IN THE AMOUNT OF {$10000.00}. THE ACCOUNT NUMBER THEY ARE REPORTING SHOWS AS XXXX. THE FIRST CERTIFIED LETTER ASKING FOR VERFICATION OF MY SGINATURE WAS SIGNED BY CHASE ON XX/XX/18, THE SECOND CERTIFIED LETTER WAS SIGNED FOR ON XX/XX/18. I RECIEVED NOTHING BACK FROM CHASE EXCEPT FOR STATEMENTS, THERE WAS NO VERFICATION OF MY SIGNATURE. THEY DID NOT PUT A DISPUTE NOTE ON MY ACCOUNT WITHIN THE 30 DAY PERIOD AS WELL. ALSO THEY ARE NOT REPORTING THE ENTIRE ACCOUNT NUMBER, ONLY A FEW DIGITS, FOLLOWED BY ASTRICKS/STARS. PLEASE SEE THE FOLLOWING VIOLATIONS BELOW : VIOLATION OF SECTION 609 OF FCRA, SECTION 623 ( A ) ( 3 ) AND/OR THE FAIR DEBT COLLECTION PRACTICIES ACT SECTION 807 ( 8 ) BY NOT PLACING THE DISCLOSURE WITHIN THAT REQUIRED 30-DAY PERIOD.
Product: Vehicle loan or lease

I paid of my vehicle in XXXX XXXX of XXXX. 
Bridgecrest marked my vehicle as late and paid off. The car was paid prior to the late day notice sent from Bridgecrest. The notice stated i would be reported late if not paid by XXXX XX/XX/year>. I filed a complaint with CFPB and Bridgecrest agreed to update my credit and remove the negative information. Since that time it was updated and the negative information was removed to it now reflecting not more than 2 payments past due and 30 days late cause my credit score to drop.

Based on the time frame i was given to make a payment Bridgecrest shouldnt have ever reported it late based off my payment and their notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX credit report 3 times for the same application. XXXX were in the same day, but it was their automated system that I didnt authorize to run my credit report XXXX in the same day. The third inquiry for the following day should be the only inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  Amount : {$18000.00} This account is PAID off and should be removed from my credit report XXXX XXXX XXXX XXXX XXXX  Amount : {$2300.00} This account is PAID off and should be removed from credit report. A payment arrangement was worked out and was paid off. 

XXXX XXXX XX/XX/XXXX XXXX Amount : {$1000.00} This account is PAID off and should be removed from credit report. This account was paid off in payments. 

XXXX XX/XX/XXXX XXXX AMOUNT : {$470.00} I did not charge on this card and reported it lost or stolen. It should be removed from credit report. 

XXXX XXXX XXXX {$800.00} THIS ACCOUNT HAS XXXX BALANCE AND IS PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX AMOUNT : {$700.00} THIS ACCOUNT WAS REPORTED LOST OR STOLEN AND SHOULD BE REMOVED FROM MY CREDIT REPORT XXXX XXXX XXXX AMOUNT XXXX {$300.00} THIS ACCOUNT WAS REPORTED LOST OR STOLEN AND SHOULD BE REMOVED FROM MY CREDIT REPORT XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1200.00} THIS ACCOUNT HAS BEEN PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT REPORT. THIS ACCOUNT WAS PAID OFF IN XXXX. 

XXXX XXXX XXXX Amount : {$1900.00} This account Has been PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX Amount : {$1400.00} This account has been sold to a credit consumer agency account # XXXX has violated my rights. This is illegal. This must be removed from my credit report. 

XXXX XXXXXXXX XXXX  XXXX Amount : {$740.00} This account has been sold to a credit reporting agency account # XXXX has violated my rights. This is illegal. This must be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AMOUNT {$610.00} THIS ACCOUNT HAS BEEN PAID OFF AND NEEDS TO BE REMOVED FROM MY CREDIT REPORT. I PAID IT OFF THROUGH XXXX XXXX XXXX XXXX XXXX # XXXX WAS SOLD TO A CREDIT REPORTING AGENCY AND IT HAS BEEN PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT REPORT AS THIS IS ILLEGAL AND A VIOLATION OF MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS ABOVE HAS BEEN VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681.

15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN CONSENT.
Product: Credit card or prepaid card

Received several letters in the mail which claimed a prepaid debit card was blocked. I do not have a prepaid debit card. Letters had Bank of America letterhead but an address which is not a B of A address and an XXXX number which is unknown to the real B of A. I do have multiple accounts with B of A. An account number was on the letter which is not one of my accounts. 
The return address was XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX XXXX XXXX XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher of that information. Please block this information from my credit r
eport, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Delete any other address listed on my credit report other than XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

I appreciate your prompt attention to this matter, and await your response. 

Sincerely, XXXX XXXX Enclosures included with Victim of Identity Theft/fraud letter mailed to the credit bureau Copy of Police Identity Theft Report Proof of identity : copy of drivers license XXXX XXXX XXXX XXXX partial credit account number
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX bank pulled XXXX and XXXX 's XXXX credit file without our consent. They admitted their mistake via letter that I will up load. We were in the process of refinancing XXXX  rental properties. We had to stop that process due to the unauthorized credit pull and sell the properties. The harm Caused is outlined in the law site that was filed on XX/XX/XXXX. we have incurred over XXXX in attorneys fees. The Bank still holds on the opinion that there was no harm and to this day they have still not removed the illegal authorizations. Our XXXX asked us to hire a credit expert to do a deep dive into our credit and he has provided the report. We are scheduled to appear in federal court in California in XXXX of XXXX. I will attach copies of both lawsuits tto this complaint.
Product: Debt collection

Someone took out a XXXX  XXXX credit card with my name and address but wrong birth date and email. 

I found out a credit report was done while trying to take out a new vehicle also in XXXX XXXX
Product: Mortgage

On XXXX I got an escrow letter from my mortgage lender ( Ditech ), as soon I saw the letter I knew it was not right. My payment was going to be really high and I noticed they didn't credited some payments to my escrow due to a lower hazard insurance and a returned check for {$1600.00}. I called Ditech and fought many times for an escrow analysis. By the end of XXXX nothing had been resolved it despite 4 escrow analysis had been made. on XX/XX/XXXX XXXX I got an escrow analysis which I agreed with the numbers. The new monthly payments was going to be {$920.00}. I saw all adjustments and credits. but the problem continued I asked Ditech to send me an statement with the right amounts which todays date they never did. every time I got my monthly statement come with different numbers. its been a night mare because when I call costumer service they agree with my number but in paper is totally different. I had spoke with many Ditech supervisors but the problem continues. one time they tried to charge me a late penalty. I called them and they avoid it. I am glad that I have a little education that helps me to see and recognize when something its not right but Ditech don't assume its responsibility and fix the problem. now Ditech sold my loan to XXXX. XXXX  send me a welcome letter with different monthly payment ( {$1000.00} ). I am worry because Ditech did not fix the problem and transferred me with wrong number. Can you see how the problem continues. when I talk to Ditech supervisors on the phone they say everting is fine but in writing is totally different. I just want to pay what legally I am entire to- no more no less. but I need all these in writing. its been almost a year and the problem persist. I wish I can write all issues Ditched Financial LLC created but my XXXX   is limited. Many time they try to force me to pay what they have on the statement. Many time came to my mine that I will lose my house because I will not have the monthly payment to cover it. when a CFPB representative contact me I will submit all evidence I have.
Product: Checking or savings account

This complaint is on behalf of XXXX XXXX XXXX against JPMorgan Chase, who has repeatedly refused to detect, prevent and recover fraud. My letter to them is below includes XXXX XXXX XXXX, which is one of several entities which held accounts at Chase, and has filed fraud claims whereas Chase blatantly lies to regulatory agencies ( and to me ) about having such claims, despite the fact that CHASE ASSIGNED THE CASE NUMBERS and I have countless emails to prove this. This is one of many blatantly false and deceptive actions Chase has taken to abuse its customers and should not be tolerated. Please find the letter attached ( I am also providing an additional attachment, showing the claim number in a Chase email to me, as well as a letter where they falsely ( lied ) claim to have no cases for this entity. * Please note that Chase 's letter indicates cooperation with my other banks- yet XXXX such banks have contacted Chase regarding fraudulent wires received by them ( which they harbored for months in money laundering accounts of a convicted criminal ) and yet, Chase never had the decency to even reply to these institutions. They are corrupt and must be handled as such. As you can easily see from the XXXX attachments, the basis of their latest excuse is easily proven false. Not only have I informed them of this after their first lie, they once again cc 'd CFPB by lying yet again. They have no credibility and need to be held accountable, in the same way XXXX  XXXX XXXX was held accountable by the OCC 's Cease and Desist of XX/XX/year>. These banks must not continue to abuse customers, causing tenfold damages beyond what customers lost in the first place. They are grossly negligent, abusive and wholly amoral. 

The CFPB must take action against Chase 's corruption, as did the OCC against XXXX  XXXX XXXX
Product: Debt collection

Attorneys XXXX, XXXX, XXXX XXXX XXXX of XXXX Florida have filed a lawsuit against me for a credit card that was charged off. They are a third party debt collector. It was XXXX XXXX that I had the original credit card with. I was never notified by the original creditor that they were selling my debt to anyone and by law they are supposed to notify you. I was told it was sold to a company called " XXXX XXXX '', whom in turn sold it to XXXX, XXXX and XXXX. I only know of the lawsuit because I was contacted by a Mediation firm in XXXX, FL.who offered to mediate the debt for me for a price that was not disclosed to me. I asked how he knew and I did not. The reply was they look up public records. Otherwise I would have not known anything about a law suit. I have written to them by certified mail and asked them to provide me with proof of Assignment or proof it was sold to them from original creditor and testimony from original creditor attesting that the bill of sale is true and accurate.They have not provided me with this. For this reason and because I was not notified by the original creditor, I ask that they withdraw the lawsuit. To date I have not been served a summons. I am XXXX and living on social security XXXX each month. This is my only source of income and is protected from wage garnishment as Is my home under the Homestead exemption laws in Florida