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

On Friday, XX/XX/2021, around XXXX XXXX  I submitted two orders for cash back through the Chase Ultimate Rewards program. I got an email stating that on XX/XX/2021, my order was received and accepted. Within one day I received statement credit in the form of cashback for only one of the orders. The second-order never showed. I called Chase immediately on XX/XX/XXXX to check on the status. A customer service representative told me to wait 3 business days for the credits to post to the account. After the third day, I called Chase again and I got the same response. I followed up a week later still without any sign of the statement credit. Finally, on XX/XX/2021, I called Chase and was told that they can not do anything about this issue. It is stated on the Chase website that statement credit takes 3 days to post to the account. It has now been over 2 weeks. I am due a total of XXXX points in the form of a statement credit of {$680.00} and still to this day have never received the said credit.
Product: Checking or savings account

I mailed a check for {$370.00} on XX/XX/20 and I have been calling bluebird every single day for the post 20 days. Not once have I spoke with anyone. I contacted the bank bluebird is accossiated with and the just two me to call the number I have. I XXXX emails n other phone numbers that could possibly be a link to bluebird and I got ahold of the checking Dept that send s checks out for bluebird accounts. This was the closest to making progress than I have in the last 3 weeks. Unfortunately this Dept knew aboutsolutly nothing. I actually felt uncomfortable with knowing people with no skills, education and training is affiliated with my banking. Let me put it this was with describing how the conversation, I have had better conversation s with a rock. I am a single mom that had lost her job, I can't put food on the table everyday, im losing my house and I need every XXXX I have to provide for my XXXX yr old son. Please help me. I don't know what else to do.
Product: Mortgage

I have been paying {$1000.00} extra per month to lower my principal and they are taking interest on that money which does not lower my principal. I have called and they fix that month but next month the same thing happens for 3 months now. They keep lying and tell me next month will be right but it happens again and again. They are taking {$700.00} per month in fees that should be lowering the principal. My agent that helped me finance my house has also called with the same results. They are not letting me pay my house off early and save on the interest, they are letting me pay of my house early and not save a dime.
Product: Debt collection

During yhese numerous phone calls they are extremely rude but I have asked them on numerous occasions to send me copy of the bill so I can pay it and they have yet to do that. They just want me to give them my bank info over the phone and they get real nasty when I wo n't. I do n't know for sure if phone call is really who they say they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted you to get my old address and names remove because I don't live there anymore and unreachable to this old address XXXX XXXX XXXX XXXX NV XXXX, i dont want anyone opening a mail to sent to this address and to prevent fraud. please only put one name and one address on my credit file thats shown on my Driver License. i attached copy of my driver license. please update.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach. As a result, unauthorized accounts and inquiries have been added to my credit report. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following items from my credit report : Fraudulent Account : XXXX XXXX XXXX XXXX XXXX  - {$00.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX$0.00} XXXX  XXXX Bankruptcy : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy : 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

in XXXX my XXXX  credit card went into collections. i had lost my job and hobbled into XXXX working independently, and then the pandemic happened. XXXX and XXXX were hard for all of us. nevertheless, i paid my entire debt in full as agreed- i requested no settlement. my last payment was in XX/XX/XXXX. 

from XXXX through XXXX the debt was transferred between multiple collection agencies, and each time it moved, this altered the date of the debt on my credit report, which should be illegal. 

almost XXXX years have passed. i have paid the entire debt in full. i have sent XXXX XXXX  requests to target asking them to please consider removing the negative remark from my credit report. and each time they have declined saying its not them, but the credit bureaus that wont allow them to change it. i know this is untrue because i have had a remark removed by the creditor in the past. 

i otherwise have excellent credit ( high XXXX ) and i have longstanding, strong relationships with my other creditors. this XXXX negative remark is holding me back from so many human necessities like healthcare etc. why wont they remove the remark as a courtesy to help someone out? sheesh!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a collection account was added to my credit report for {$620.00} and another was added on XX/XX/XXXX for {$450.00}. I have sent 3 rounds of validation request letters to Transunion on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As well as a written complaint on XX/XX/XXXX that both collection agencies had not provided me with proper proof of validation of the debts despite 2 written requests. Transunion responded to my letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each response letter consisted of a current copy of my credit report stating that these debts had been verified and validated. Transunion has yet to provide any proof of these claims. I never received a copy of an original contract with my signature on it and they haven't given any information as to who the spoke with during the investigations to validate that this debt belongs to me. Transunion is in violation of section 609 of the Fair Credit Reporting Act.
Product: Credit reporting

this I a account from XX/XX/XXXX I got hurt at work XX/XX/XXXX I am permant XXXX had XXXX insurance on it that should have paid it in XXXX it keeps going from XXXX place to another now the lasts XXXX is changing dates saying open XX/XX/XXXX that is false it was opened in XX/XX/XXXX they keep trying to make it new, it is 8+ years ago I am so tiered of getting XXXX I bought insurance never thinking I would use it and then got hurt at work and should have been done long ago!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of trans unions credit inquiry issue. I attempted to contac t Trans Union b ut the customer service representative failed to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm continues to refuse the fact that I filed Bankruptcy in XX/XX/2020. I have tried to get this resolved but Affirm refuses to acknowledge or accept that this account was included in my bankruptcy. The other credit agencies show the bankruptcy on my credit report. XXXX, whom accepted the information from Affirm shows that the account is in collections. How do I rectify this annoying problem.
Product: Checking or savings account

I got a student loan from my daughter through XXXX  but quote interest rate was not correct so when I was finally able to log into XXXX the loan servicer and saw the interest rate was 9 % I decided to immediately pay it off in full I logged into XXXX servicing on XX/XX/year>, selected pay in full and made a payment in the amount of XXXX. I saw the payment on the Chase side so assumed all was set. I logged into XXXX recently and it shows no sign of payment, I called into XXXX and they can't find a payment made. I called Chase and they told me they don't open disputes for ACH transactions. I am not sure whose end this issue is on but both are refusing to help me. I am currently out of pocked {$5000.00} and the loan is still accruing interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, this letter shall serve as a formal notice of my intent to file a complaint with the FTCXXXX XXXX  due to your blatant and objectionable disregard of the law. As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated XX/XX/2022, as well as my follow up letter. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable. 
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).! am maintaining a careful record of my communications with you on this matter, for the purpose of filing a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( XXXX, XXXX. XXXX ), you may be liable for you willful non-compliance. 
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 65 day and again 40 days ago : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My last XXXX XXXX XXXX CFPB was XX/XX/2022 ( XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As required by law, XXXX is to fully investigate disputes and provide proof of their investigation method. This has been requested on multiple occasions. On XX/XX//2022, XXXX " verified '' the alleged debt with XXXX XXXX XXXX XXXX. The debt with XXXX is listed as " charge off '' but XXXX has failed to EVER provide me with a 1099 for that charge-off and is therefore in violation of federal law by " verifying the debt '' and XXXX is in violation of federal law by " verifying the debt '' or not completing the investigation in full as required. 

I demand that the XXXX alleged debt account be removed permanently from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Thank you for helping. I made multiple payments to my credit card intending to pay off the balance. When excess payments were made, Wells Fargo bank provided a refund but then added the refunded amount to my purchases ( in essence ) they gave me a cash advanced for the excess payment I had made. In addition, purchases that were cancelled were still allowed to go through by Wells Fargo and these cancelled purchases were paid. I met XXXX times with Wells Fargo and the problem was not resolved and they closed my case. In summary : payments not posted on time, excess payments not reimbursed, payment cycle continued to change to accumulate interest and web site was constantly change in-accurately inform of payment due date. Please help. Appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report on experian.com is showing under my personal information that I have an alias called " XXXX XXXX ''. That is not my name and I have never used that name in relation to any financial legislation. I have witnessed this false information on experian.com under my credit report on X/XX/17.
Product: Mortgage

My mortgage is serviced by The Money Source ( www.themoneysource.com ; XXXX ). I have had a few mortgage servicing issues with The Money Source ( TMS ) in the short period they have serviced my loan. 

I emailed TMS and also spoke with a customer service representative yesterday because the mortgage ( Loan # XXXX ) for my home at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX is established with escrow withholding for property tax and insurance payment. 

The semi-annual property tax payment on this loan was due XX/XX/2020 to XXXX County and delinquent fees will be assessed as of XX/XX/2020. The TMS customer service rep call admitted yesterday that TMS made an error on my account as I am paying the escrow funds each month to TMS, but TMS ' system is not set up to pay my property taxes. The TMS representative told me this would be addressed and someone would close with me yesterday. I never received any follow-up from TMS and given prior experience with TMS, they typically do not follow-up with customers.

As my property tax payment that should be paid by TMS will soon be delinquent I need immediate assistance please in resolving this issue and ensuring TMS pays my property tax bill before XX/XX/2020. 

Thank you. XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed several complaints with XXXX and Experian over a serious problem with XXXX XXXX, they both closed the account on XX/XX/2018, but it's still showing a derogatory reporting and this debt should not show a derogatory balance at all, they do not have the correct paper work which I have contacted them ( XXXX ) as well and they are making false claims in reference to this account I have sent several certified letters to XXXX, Experian and XXXX and I am just receiving a closed account with a balance XXXX has already made false claims and if the balance of this closed account is not resolved I will file a small claim against the companies stated above for breaking for violating section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 7 ) as well as under ( section 616 & 617 ) and I will pursue litigation to force the rights under FCRA.
Product: Credit reporting

XXXX XXXX XXXX XXXX is not removing the Auto Loan Account which is 9 years and 3 months old. The vehicle was repossessed XX/XX/XXXX. It 's been almost 8 years since the vehicle was repossessed. This Account should have been deleted after 7 years that is XX/XX/XXXX 
I have disputed this account with all XXXX credit bureaus and the XXXX XXXX XXXX XXXX but they are refusing to delete this account.Please ask Equifax to delete this account ASAP.My cell phone number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX  XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX. XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX XXXX ACCOUNTS : - XXXX XXXXXXXX Account # : XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # : XXXX - XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # : XXXX - XXXX ( Original Creditor : XXXX XXXX ) Account XXXX : XXXX - XXXX ( Original Creditor : XXXX XXXX XXXX ) Account 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 a consumer reporting agency can not furnish an account without my written instructions.
Product: Bank account or service

I opened a checking account with that offered a {$100.00} dollar sign up bonus after direct depositing {$2000.00} per month for XXXX months. More than XXXX days after that ( the time window they stated they will deposit the bonus within ) I still had n't received it so I called to follow up. I was told that they would investigate it, a few weeks later I received a letter with the terms of the offer again implying enrollment. Since I heard nothing further after a while I followed up again. This time I pressed for a response and was told that because I have previously received such a bonus I was ineligible. After this I reread the original terms which stated that you must not have had a Bank of America checking account within the past 6 months which I met. I was told that I did n't qualify but not given a satisfactory answer by the customer service representative of why but she agreed to have me contacted in the future with an explanation of the specific part of the terms that I failed to meet within a couple of weeks. I never received that follow-up.
Product: Student loan

Navient has consistently misapplied payments and now for the second time has only credited me with a portion of a payment with the remainder missing in their system. I utilize online bill pay through XXXX XXXX  and I believe the payments are electronically sent to Navient. 
I make two separate payments to Navient. One for Federal loans and one for Private loans. This month, for my XXXX XXXX payment, Navient properly applied my {$150.00} payment for private loans. For federal loans I made a payment of {$1300.00}. They have applied {$1200.00} toward my federal loans, putting me in default. They have a ticket in to find the remaining money that I paid and I have provided a copy of my online statement showing the payment being made. A similar situation happened several months ago and was resolved but I do not have any paperwork for that instance. 

For payments made XXXX XXXX, XXXX XXXX, and XXXX XXXX, Navient improperly applied {$170.00} each month from my federal loan payment to my private loans ( instead of applying {$150.00} to my private loans each month they applied {$270.00} XXXX. Always the same amount, always putting me in default. Each time they rectified the situation but if I was n't constantly tracking I would have potentially remained in default and lost benefits for being in good standing.
Product: Debt collection

I am aware of the payment that I owe to the XXXX. Money was being deducted from my XXXX paycheck to satisfy the money owed and the deductions stopped a few months ago. If I still owe money I can continue to make monthly payments of {$200.00} but the amount that they claim I owe does n't seem correct to my knowledge. I need someone to review my payment history.
Product: Credit card or prepaid card

Went to Cabelas. Was pressured into signing up for a rewards program. I asked many times to ensure it was not a credit card just rewards program. This was XX/XX/23. On XX/XX/23 I received a credit card. Reported to store manager XXXX who offered no assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my XXXX  and XXXX reports. There is a hard inquiry from a company called XXXX XXXX. ' This company has no contact info for me to investigate the inquiry. I have not applied for any credit card or loans recently or within the last two years. I believe this inquiry is fraudulent. The only application I submitted to any company was a wells Fargo mortgage application, however, I did not request to have any credit checks, yet. I never spoke to anyone from the company. I only ask to speak to a mortgage loan officer to discuss possible loans.
Product: Debt collection

First of all, it 's not a debt. I do n't owe anything to XXXX XXXX XXXX ; however, Continental Credit Ctrl reported this on my credit report with XXXX. I did have XXXX but everything was paid in full. I even went to my online account and it shows {$0.00} balance. I do n't know how they got this incorrect information and it 's very frustrating. Please help
Product: Credit reporting or other personal consumer reports

I just checked again my credit report and I can see accounts reporting inaccurately. These late payments are illegal. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see attached file below
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX ofXX/XX/XXXX, I submitted a request to remove a fraudulent account on my XXXX credit report of a XXXX XXXX Credit Card that I did not open nor did I sign any documents for. I never saw the account on my file until it became maxed out, then delinquent and then charged off. No explanation was given and this was opened during the massive XXXX XXXX fraud case and I suspected it was the case but when I went to complain to XXXX, they contacted XXXX XXXX and of course they updated or " Verified '' the account but never sent me any documentation as to why that would be the case. The Charge off on my credit report is completely fraudulent and was never opened with my persmission.