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

On XX/XX/XXXX, I received a promotional email from Chase entitled Tap and Pay 3X to receive XXXX bonus points. No enrollment necessary, I used my card in accordance with the offer which stated the points would 6-8 weeks to post to my account. On XX/XX/XXXX I contacted Chase customer service to report that I had made 3 transactions in accordance with the offer from XXXX to XX/XX/XXXX, yet no points posted. XXXX, XXXX researched my account and confirmed those transactions. The issue was escalated, # XXXX on XX/XX/XXXX. I called XX/XX/XXXX to follow up and account manager, XXXX, said a letter was sent to my home address on XX/XX/XXXX and that the points would take another 8-10 weeks to post from XX/XX/XXXX. I believe those points should be posted immediately since I fulfilled my end of this offer on XX/XX/XXXX, not fromXXXX when the issued was investigated and determined to be Chases error. I asked for immediate points but denied.
Product: Payday loan, title loan, or personal loan

XX/XX/2020- I reported NetCredit to the XXXX  because they repeatedly lied to me on multiple platforms. XX/XX/XXXXwas also the day they sent me an email saying they could no longer help me because I did not submit the proper paperwork. ( This was the lie ) After speaking to a customer service representative on XX/XX/XXXX, they told me the only way I could get my loan read was to resubmit my application. I told them I did not want to and wanted to speak to a manager. 

XX/XX/2020- In my middle of the night, they read my application, gave me my verdict, and pulled my credit score. I did not permit them to do this or reapply as they told me I had to do. This, to me, is now a legal matter because I did not give them consent to pull my credit score. The only way they would have pulled it is if I reapplied, which I did not, or if they reapplied for me, which I did not permit them to. It is a clear violation of my consumer rights.
Product: Mortgage

I attempted to change an autopayment selection from my mortgage lender Select Portfolio Servicing , Inc. which I'll refer to subsequently as SPS. My attempt was made on XXXX XX/XX/2023 to prevent an automated payment on XXXX XX/XX/2023. SPS refused to honor this request so the payment request will fail costing me additional charges from both SPS and XXXX XXXX XXXXXXXX. 

SPS claims they need 48 hours to modify autopayment options, but there was no information provided to the consumer regarding this requirement until an attempt was made to cancel the autopayment. 

It should be noted that this payment is not due until XXXX XX/XX/2023 and the consumer plans to pay this from another account.
Product: Mortgage

My bank who held my mortgage was sold quickly over a course of a few months. XXXX XXXX was bought by XXXX XXXX XXXX, then XXXX XXXX, and finally BBT. I believe that my mortgage was reported late for 4 months straight during this time in error which is now effecting my credit score to  purchase a new property.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021, I entered into a contract with OppLoans for a {$1700.00} loan. I was not aware of the 159.49 % APR until after I had received the paperwork and deposit. I didnt see it. See attached. I am happy to pay the {$1700.00} that they sent me but I will not send that money in interest. They have scammed me and not told me everything up front.
Product: Debt collection

Today a gentleman called my phone asking for myself or my husband to speak about an outstanding debt. I gave him my husband 's number and after a while my husband called to tell me how the phone call went. Apparently it did not go so well because the gentleman was very brash and rude to my husband. They went back and forth about an amount that was supposedly to be promised to paid, and my husband stated that he agreed to an amount of XXXX and they were trying to collect XXXX. I called back to speak to the man and to let him know that we are trying to work with them but we didn't appreciate being talk to in that manner and the man became very aggressive on the phone and repeatedly interrupted me and stated that he was going to mark the file as " refusal to pay '' even though we didn't refuse, we just wanted to find the correct documentation. I feel extremely degraded by this company, they did not treat us like we were human beings and he hid behind the fact that he was doing " his job ''. They did not want to work with us at all. I feel threatened by them.
Product: Debt collection

Just learned that XXXX XXXX has once again placed a debt that was removed from my credit for aging this account. I was not notified, verbally or in writing about this debt and it appears to come after filing a complaint with your company and the debt was removed from other reporting agencies. 

Spoke to XXXX XXXX and was told XXXX XXXX account is now with them and they are the debt collector. This debt has been disputed and disputed and removed at lease twice. When I paid portions of the bill and the company discontinued the process and then sent to collections. It has been removed at least 2 times and they continue to age this debt.
Product: Checking or savings account

On XX/XX/2021, I wrote a check to myself from a credit union account to deposit into my Citibank checking account, and I deposited it that day. I do this frequently as it's the simplest way to transfer funds from home during a pandemic. On this occasion however the check bounced because an automatic payment hit the same day for more than I anticipated. I was {$20.00} short, and the more than {$5000.00} in my saving account at the credit union was not linked, so it didn't help. Okay, my bad. Citibank reversed the deposit and charged me {$29.00}. Fine. THEN, on XXXX XXXX I wrote another check from my credit union to cover the bounced check and a bit more. Suddenly I can't sign in to my Citibank account, I can't get cash from an ATM, and it takes several calls to Citibank before I am finally told that they suspected fraud on my account. They have frozen the account for 2 weeks. I can't even SEE the funds I have in the bank, much less access them. What's more, the second check has cleared my credit union account and funds are almost certainly in my Citi account now. I don't believe that Citibank has any reason to believe I bounced a check on purpose, and the amounts are relatively low, under $ XXXX. I am not a criminal and they have no reason to suspect I am. Aside from my several calls to them, Citibank has not notified me that the account was frozen or why, nor could they explain why I can't even sign into my account. If this is legal, it shouldn't be. I plan to change banks as soon as this is cleared up, but I also want to go on record objecting to this practice as an abuse of power, unnecessarily punitive, bad business practice and extremely inconvenient to a customer who has been with them for many years. I can understand Citi freezing the second deposit until it has fully cleared. That seems fair. Freezing me out of my checking account including other funds I need should be illegal or only used when there is strong evidence of a crime. In this case there is none.
Product: Money transfer, virtual currency, or money service

XXXX XXXX receive the funds I didn't send to XXXX I sent to XXXX XXXX
Product: Credit card or prepaid card

I am a Chase XXXX Card holder. 

Here is chase contact info : ( Chase Executive office email- XXXX ) XXXX ( XXXX ) XXXX On Sunday I tried to redeem XXXXXXXX XXXX to my XXXX Redemption Card . The online system did not work. I decided to call an associate who said it was done. I then tried to use card for XXXX  which did not work. I called back and spoke to a manager who said it would be done by Monday night. 

On Tuesday Night, nothing had changed and the issue was still not fixed and continued to be esclated. Essentially blamed XXXX for system errore and refused to provide me my money back as it was over XXXX XXXX 

I wrote letter to executive office who contacted me on Wednesday. The woman provided her information and again blamed issues on XXXX system issues and she would research the issuem So now I am out XXXX and chance I lose out on XXXX reservations using that money. 

Listen, not everything is going to work, but it is crazy that this can not be immediately fixed especially when acknowledging the problem. 

You can not advertise rewards by showing them in account and then when customer goes to use, there is all of the sudden issues. That is crazy. 

XXXX XXXX XXXX
Product: Credit card

On XXXX/XXXX/14 I opened an account with Synchrony Bank through a furniture company called XXXX XXXX. The loan was for {$2000.00}. The application was done by phone in the store by a representative from the furniture company. I was approved and bought the furniture. What I did not know is that this was a promotion with 0 % interest for one year, then after one year the interest jumped to 29.99 % on the unpaid balance. So, now I owe $ XXXX in interest on a {$2000.00} loan and I will never pay it off at this rate. I have been paying for over a year and I still owe MORE than the original loan amount. How can a private bank like Synchrony be allowed to charge so much interest? Other " promotional '' offers on other credit cards such as XXXX XXXX, etc. charge half of what Synchrony is charging. This type of bait and switch should be stopped!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A few months ago I discovered an account on my credit from XXXX XXXX XXXX. I reached out to the company immediately because I had never heard from them before and the account according to my credit said it was for a veterinary bill- I don't own any pets. 

They removed the account but apparently they sold the account to a company called M Leonard Associates whom also placed the account on my credit without contacting me first. I sent them a letter as well and the unknown account came on my credit while I was in the middle of financing.
Product: Debt collection

I, XXXX XXXX XXXX, a federally protected consumer giving written notice pursuant to 15 USC. 1692g ( b ), give notice that : 1. The debt, or a portion thereof, is disputed. 
2. The Consumer requests verification of the debt. 
3. The Consumer requests the name and address of the original creditor. 
4. The Consumer requests validation of the debt, to wit, the chain of title to the debt and a history of charges and payments thereon. 

I have disputed this account previously and received a written response that the account was under investigation as a result of my dispute. However, it does not reflect the ACCOUNT INFORMATION FOUND ON CONSUMER REPORT I also have a recorded transcript in which the Debt collector threatened me and continued to interrogate me although I told her she was causing me stress and anxiety.
Product: Credit reporting or other personal consumer reports

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

On XX/XX/XXXX I found out that my rental lease wasn't going to be renewed and I was desperate to find a place to live. I found what I later discovered was a to good to be true deal on a house on XXXX. In such a hurry to get it I let my self get scammed by the person there... I sent a deposit for the house on XX/XX/2022 in the amount of XXXX  thru venmo. The next day I paid the first month 's rent of XXXX in 2 payments of XXXX  also thru venmo. Once I realized my mistake I immediately contacted venmo to dispute all 3 transactions. They refunded one of the XXXX payments to me and that was all. Since then I've contacted venmo everyday asking why they were only able to give me the XXXX  and not the rest. They have sent me the same pre-written email 4 times now and I am stuck in an endless support loop via email. In talking with them I found out that when I made the original dispute of 3 transactions they mistakingly only saw the one. They have froze the acct and can't do anything further they said due to their mistake.
Product: Debt collection

XXXX XXXX XXXX is reporting a more than 4 year old account that has never been validated, is past the statute of limitations, was charged off by the creditor and taken as profit and loss account by the original creditor. The original account was for Citibank XXXX XXXX XXXX XXXX XXXX employing unethical tactics such as re-aging the account. This should be shown as a charge off. They show monthly late payments over 90 days each and every month to make the account look currently late each month which is only an attempt to do the most harm to my credit. It is purposely inaccurate and is a misrepresentation ( XXXX  v. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ). I have contacted XXXX requesting validation, and informed them of their errors but they ignored my requests and my disputes. They made no attempt to validate, correct or stop during a dispute period. Instead they show on the report that they opened a collection XX/XX/XXXX and that it was last active XX/XX/XXXX with late payments made every single month since XX/XX/XXXX when no payments have ever been made. There actions violates several laws including but not limited to FCRA 15 U.S.C. 1681c, US Court of Appeals, XXXX XXXX, XXXX. XXXX, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX, and FDCPA Section 806. FCRA Section 623 XXXX, XXXX XXXX XXXX XXXX US Court of Appeals for XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( XXXX No. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion credit bureau in an attempt to see what method they used to verify bankruptcy records listed on my credit report. The information is listed as XXXX XXXX XXXX XXXX Date XXXX Court type : XXXX XXXX XXXX XXXX 
When I contacted the credit bureau I explained that I was not attempting to challenge or dispute the information but was only seeking a method of verification. They sent me a letter verifying the information as accurate which DID NOT include a method of verification which was the sole reason I contacted them.
Product: Debt collection

First federal credit control has been sending me collection notices in the amount of {$480.00}. This balance has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contact with my signature.
Product: Credit reporting or other personal consumer reports

As I was reviewing my credit report on XX/XX/2024, I saw some disturbing and harmful information. I called XXXX and sent in writing requesting that they please remove the inaccurate information and to please provide me with the original documents showing me where they received this information. XXXX, Transunion, XXXX, XXXX XXXX XXXX, XXXX, and XXXX  all stated that they do not give out nor share my personal information. Once I tried to resolve the issue and they weren't cooperating, I was left with no other option, except to reach out for help.

5 U.S.C 552 a ( i ) ( 1 ) 5 U.S.C.552 a ( i ) ( 2 ) 5 U.S.C.552 a ( i ) ( 3 ) FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a dispute regarding incorrect information which was listed on my credit report. It has been well over 30 days and I have not received any response from the Credit Reporting Agencies.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft my information was exposed in a data breach I have been actively monitoring my report .I did not authorize the following companies to run my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX there were XXXX unauthorized online transactions made on my Chase Bank account. XXXX transaction was for {$2400.00} and the second was for {$1200.00}. XXXX. I called to notify the bank as these charges were still pending. I was told by the XXXX employee that the transactions had to post before anything could be done about it. I was turned over to the fraud department who then asked me did anyone else have access to my password to this account, to which no one does. This was a savings account I share with my wife, who has her own password. The fraud department discovered that there were XXXX unknown phone numbers that were recently attached to my profile. The numbers never belonged to me, so they deleted them. They told me my account was compromised and changed my savings account number and issued me a new credit card. The bank came back after months of spending time claiming that they don't see any issue with the online transactions. The bank would not give me any information to where the money was transferred to or from what computer the transactions were done on. I have yet to hear anything else on this matter. I filed a police report to try and investigate this case. The detective did find out the unknown phone numbers were to burner phones used in California and law enforcement would not follow up since the crime was from another state. Chase bank did not respond to XXXX XXXX  the detective sent to get more information on this case.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX | XX/XX/year> XXXX I am hereby notifying you that these are fraudulent and neither on those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given permission to furnish this information. Having understood this is a violation of 15 U.S.C. 1681b. Both together and separately my consumer and privacy rights are being violated. The aforementioned fraudulent/unauthorized hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as the reporting of them has caused me and my reputation harm and discrimination. Without Prejudice, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TransUnion and XXXX  XXXX Expedited resolution request XXXX, XXXX and XXXX XXXX have been reporting accounts in my name to XXXX, XXXX  and TransUnion inaccurately. 
I have disputed these accounts over 8 times since XXXX, the most recent XXXX, XXXX, XXXX & XXXX. Claiming the balances are incorrect and that these accounts have been settled. However, each time I made this claim XXXX and XXXX have alleged they conducted a proper investigation and each time verifying the accounts have been reporting correctly. This is not possible to be accurate as XXXX and XXXX exercised a CANCELLATION OF DEBT back in XXXX and reported this to the IRS, I am attaching irrefutable proof of the cancellation of debt. 
Despite this fact, XXXX and XXXX have been updating and reverifying this inaccurate information to all three mentioned credit bureaus every single month for over 2 yrs, causing severe harm to my credit resulting in numerous credit denials, increased auto insurance and denial of my XXXX XXXX XXXX loan, forcing me to close my XXXX XXXX. 
As a result of XXXX and XXXX  reckless actions they each have committed over 60 direct violations of the FCRA. I am demanding those mentioned accounts be completely deleted from my credit reports as required by LAW, which obviously XXXX and XXXX do not give a XXXX about.Regardless, a lawsuit will be filed in the coming weeks. 
I am attaching the cancellation of Debt documents AS for XXXX XXXX, although I have filed disputes and requested XXXX to provide a full accounting and other information over the last 18 months, they have refused to do so, I have never received any response from them. NEVER!
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Account as is reported as having a late payment my credit report : XXXX XXXX  XXXX XXXX, Credit Card, Account Number : XXXX, XX/XX/XXXX XXXX. XXXX XXXX, Cell Phone, Account Number : XXXX, XX/XX/XXXX I am demanding that these accounts be updated to Paid as Agreed and Never Late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( Equifax ).  They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting or other personal consumer reports

THESE COMPANY RAN MY INFORMATION WITHOUT MY APPROVAL XXXX ( Bank ) XX/XX/2024 XXXX ( Bank ) XX/XX/20XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/2024 XXXX XXXX XXXX ( Auto ) XX/XX/ XXXX XXXX XXXX