23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Request for Correction on my Credit Report 15 U.S. Code 1681 Request to Removal of Closed Accounts Due to 2015 Experian Data Breach To request the correction of inaccurate information on my credit report. I have reviewed my report and found that incorrect names and addresses are listed, which could negatively affect my credit score due to the presence of inaccurate personal information. Under 15 U.S. Code 1681 and the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( b ), credit reporting agencies are required to ensure that the information they report is accurate and complete. 

Additionally, I formally request the removal of any closed or charged off accounts that are not related to me from my credit report. As you are aware, the data breach that occurred in XX/XX/year> exposed during this incident the personal information of XXXX millions of individuals, including myself. I believe this exposure may have contributed to fraudulent or inaccurate information being included on my credit report. 

Under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to request that any information affected by the breach be removed from my credit report within XXXX to XXXX business days after this claim has been received. I kindly ask that you review my credit report and remove any closed accounts or inaccurate information related to the breach that may still appear.
Product: Checking or savings account

I received an invitation/ offer - XXXX - in the mail to switch my accounts and receive {$300.00} for checking and {$300.00} for savings. 

I followed the instructions which were as follows : Get {$300.00} when you open your first new personal checking account and make at least one single direct deposit of {$500.00} or multiple direct deposits totalling {$500.00} within 60 days. 

Get {$300.00} when you open your first new personal savings account on the same date as the ... checking account and make at least one single deposit of {$500.00} or multiple deposits totalling {$500.00} ... into the new savings account every month for 3 consecutive months, starting the month after the new checking and savings accounts are opened. 

According to the schedule, I should have received compensation on XX/XX/XXXX for the accounts I opened in XXXX, XXXX, but have not been paid. When I called Citizens, I was told that I did not meet the eligibility requirements and will not be awarded any money. 

I have attached file showing the deposits I made within the guidelines and timeframes.
Product: Credit reporting or other personal consumer reports

The credit bureaus are reporting I have this on my credit report and that is false I have already reported to them multiple times that the account for XXXX XXXX XXXX  should be removed.
Product: Credit card or prepaid card

I opened three business credit cards with Chase. The credit card that is the subject of this complaint had a minimum spend requirement, which I satisfied, in exchange for XXXX Chase Ultimate Rewards Points. The credit card referenced ends in the four digits of XXXX. 

On or around XX/XX/2021, I logged into my Chase account and discovered that the account had been terminated, and that the XXXX bonus points attributable to the account had been forfeited. I never received any phone call, written correspondence or email about the account cancellation or forfeiture of bonus points. 

I work a busy full-time job, but set aside time to attempt to resolve the issue with Chase. On each call, I was referred by a Chase employee to a supervisor to request that the points be reinstated given that I had received no notice of the account closure or points forfeiture. The supervisor said that Chase had sent a notice by mail that was not returned, and therefore I had been deemed to have received notice of the account closure and points forfeiture. Apparently, if I had transferred my points to another of my two accounts within a certain period following the closure date, I could have retained my points. I would have absolutely done so had I received adequate notice from Chase, but I did not. 

On the first call, the supervisor told me there was nothing she could do. One the second call, the supervisor told me that she would initiate a " formal complaint '' to see if I could have the points reinstated, and that I would receive a written response from Chase within 5 to 7 business days. 

I then learned about my right to file a complaint with the CFPB, and called Chase once final time to see if they could reinstate the points without a CFPB complaint filed. On this third call, I was again connected to a supervisor who told me that the supervisor from my second call had NOT filed a formal complaint despite her telling me that she had done so, and that there was nothing they could do. 

I believe that my points were unfairly forfeited given Chase 's failure to provide adequate notice. I regularly receive notices about my credit cards via email, text and mail. Apparently only one piece of mail was sent to me about this matter of real value, and I never received it. Please see my request for relief below - I am simply asking for a reinstatement of the points that I earned.
Product: Credit reporting, credit repair services, or other personal consumer reports

went to XXXX XXXX. The salesperson would not take a no. XX/XX/2020. XXXX XXXX XXXX XXXX. That I did not want a XXXX XXXX CARD. TOLD THEM I DO NOT WANT A HARD INQUIRY ON MY CREDIT REPORT. THEY INSISTED AT IT WOULD ONLY BE A SOFT PULL. THEY SAID XXXX XXXX HAD TOLD THEM TO TELL CUSTOMERS THAT IT IS A SOFT PULL. HAD BEEN IN XXXX XXXX TOO LONG IT IS GETTING DARK OUTSIDE I TOOK THEIR WORD. NOW I SEE I HAVE A HARD INQUIRY. I ASK THAT IS REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened an account at comenity Bank in my name which I learned from XXXX  and I reported it at both. Now I'm getting calls from collections. Both investigated and still its mine apparently but was opened in new York and I live in Texas.
Product: Debt collection

The debt collector hired a lawyer to seek payment for a debt, the lawyer went through the courts, and hired a server to serve documents to me requesting a response to these documents. The document were not secured in an envelope for privacy, and were bound by a paper clip and delivered to my father-in-law at his residence. Thus allowing him and any other residence easy access to confidential information about me. Furthermore I have not lived at that residence for over two and a half years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting all 3 credit bureaus to drop these inquiries. XXXX  is no help even after speaking with a customer service representative. I can not get XXXX  or equifax to take them off either.
Product: Debt collection

Hunter and Warfield has been calling me and being mean they could not even tell me my social security number and my last name was not even correct.
Product: Debt collection

I was contacted by Premiere Credit about removing my Wage Garnishment from a defaulted student loan. I wanted this removed so I could start paying back the student loan without further damaging my credit, so I agreed to a XXXX program that had me pay a set amount each month on time to remove the debt. I was told that after the XXXX month had been paid, I was to contact them to remove the auto-payments from my account and discuss how I would start to pay directly to my loans and remove my wage garnishment. 

I have tried to contact them for a couple weeks now, but each time I call their number and try to speak with a person, it says that their lines are too busy and I should leave a message for them to call me back. I have done this a XXXX times as well as e-mailed them and still no one has contacted me a XXXX later.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$XXXX} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has violated my rights under the FCRA by changing and/or illegally updating the DATE OF STAUS and DATE OF FIRST REPORTED on XXXX XXXX XXXX XXXX  / XXXX account. Also placing an unsolicited freeze on my credit report with this dispute I am attaching My state ID, copy of my social security and a Gas Bill to prove my identity.
Product: Mortgage

My mortgage is with Truist. I bank with XXXX Bank. I use XXXX XXXX to pay all my bills. When I use bill pay to pay Truist, Truist will NOT accept electronic payment from XXXX. My bill pay actually cuts a check and sends it in the mail which significantly increases the amount of time it takes for Truist to record my payment. All sorts of other financial institutions and companies accept electronic bill pay payments from XXXX but not Truist? Why is one of the biggest banks in the country refusing to let XXXX Bank send the payment electronically? XXXX has tried to make the change at least twice for me but Truist won't accept the money electronically. Again, this significantly delays the amount of time it takes to record my payment to Truist. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to call these companies and they forward me to calling XXXX, XXXX and Transunion. XXXX has removed them all as per according to law if they are due to fraud, unauthorized they must be removed as soon as possible. 

See below the inquires that I have never applied to. 

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

There were collection accounts added onto my  XXXX  credit report, on  XXXX   XXXX   2017  I sent a certified letter requesting an investigation of the items and in that dispute I noted that just verified is not what I need to see, I wanted to validate this debt. I am a victim of identity theft so what I was requesting is a contract with my signature and a copy of my drivers license on file from the collection agency because of the fraud any place I go they are suppose to ask for my identification. Evidently this was not done. I received a letter from transition just stating that the debts were '' verified '' which took about 30 days.
Product: Credit card or prepaid card

For my 2019 taxes I decided to get my refund through a prepaid amex card, after receiving the card the instructions to activate the card was to wait for an email or call customer service. At this moment I never received the email and customer care is not taking calls, I try to call them several times and waited more than 2 hrs in line to get the call dropped after all wait. I have money deposited in that account that I cant use. Amex is not managing those prepaid cards with the urgency that the current situation requires.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX my card was hacked. I noticed some transcations that i did not make. I have issues with my card being hacked chip malfunctions and fraud on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is related to a previous complaint # XXXX filed on XXXX against Experian credit report. The response from experian Was Not Transparent, was inaccurate and a complete lie from the facts, evidence supporting this complaint. Experians response that the soft inquiry as to Court that does appear and ran on my experian credit report on dates, XX/XX/2021 / XX/XX/2021 and XXXX with copy of attached from experian credit site is proof of soft inquiry into my personal credit report was made on ( 3 ) three different dates as seen. Experian, responding by this information does not appear on their site is a lie and experian is providing a false and untrue statement to a government agency. This is a crime and a violation of the consumer protection laws. Such factual information as to the report is, Experians own site report # XXXX dated XX/XX/2021 for XXXX XXXX XXXX XXXX is Proof of such information being provided to Court as a soft inquiry three times. Im asking this agency for transparency and accountability for Experian to release the request information as to Who Court is, the location, address, phone affiliation and any/all information regarding this entity Court in name only on my credit report be released to me immediately
Product: Checking or savings account

Cash App closed my account in XX/XX/2023. They have said to this day they are reviewing my funds ever since. Every single contact I try make they copy paste same response. Account closed balance under review copy of complaint procedure. They have not followed their own procedure or deadlines and absolutely nothing has been done to review the account in almost one year. I was basically mocked via email from a supposed manager. I explained I have a XXXX XXXXXXXX and can not understand yet they continued to ridicule me and send same response over and over and over. They are holding valid funds with no end in sight. They have never initiated contact and when I do I get same generic response no movement or further forward in nearly 1 year
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. My financial institution and Zelle failed to investigate my claims adequately. My incident occurred in XXXX XXXX XXXX. The amount disputed behind this was {$2000.00}. They informed me that recovering lost funds was not possible and that tracking these transactions was unfeasible. My case was taken to highest branch of XXXX and sadly nothing could be done and my case was closed. I also called Zelle as well and they told me all they could do is take the number and block it. I attempted multiple times even going in person to see if nothing else could be done and unfortunately I was told that my case was already taken to the highest branch and nothing could be done. According to CFPB 's findings it indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. I really feel that my financial institution and Zelle both failed to protect me leaving vulnerable with what happened.
Product: Mortgage

NFM Lending will not pay my real estate taxes on my property and I have an escrow account which has more than enough money to pay it. My taxes are due twice a year. I had to pay my taxes myself in XXXX. They then sent a payment to the county after I had paid out of my pocket and the county returned the money to them. So they have been sitting on this money and will not return it to me. So there is another tax bill that is now due. I have called them on numerous occasions talked to a number of people and they all have a different story. I have emailed them and provided them with a copy of the bill from the county in which my property is located. Each time they indicate they are researching the issue. On yesterday, XX/XX/21 I called again to inquire about the status and was verbally informed that my loan is being sold to another Lender effective XX/XX/21. They have not informed me in writing of this change or provided information on how and where to make my mortgage payment for the month of XXXX. I would have never known this had I not called about when they would pay the taxes. This experience with them has been a total nightmare.
Product: Credit card or prepaid card

While I was trying to make a booking on XXXX ( XXXX XXXX Website ), I saw an advertisement for American Express Delta Gold card with XXXX, XXXX miles on spending XXXX $ within three months and {$150.00} statement credit offer for making a purchase on XXXX XXXX within 3 months. 

I went through the application process, entered all my details and got approved. Later when I checked with the American Express customer service they told me that I am not eligible for XXXX, XXXX miles promotion since I had this card in XX/XX/2015. As per them, this was buried in the fine prints somewhere during the application process. 

I called this a switch-and-bait tactic since after I entered my personal details, American Express already decided that I am not eligible for the promotion why not warn me before I finish the account opening. I strongly believe that CFPB should punish American Express for such switch-and-bait tactics and force them to show the actual promotion terms before the account setup is finished.
Product: Credit card or prepaid card

To Whom It May Concern, This letter serves as a formal request for a full refund on the product that I bought. 
I purchased a GIFT CARD on XX/XX/2021 and paid a total amount of {$500.00}. XXXX. The gift card was being used by some else. 
It seems that the product is defective and that it is not functioning properly. The specific problem with the product is that Gift Card is a scam, and the US bank is fully aware of the problem. The US bank duplicates gift card numbers. 
Gift cards can be tampered with at the store, she said, by crooks who grab stacks of cards, remove the security tape from each gift card, and then take photos or write down the cards secret 16-digit activation code. 
Many times, the cards don't look like they've been tampered with because new security tape is placed on them. But consumers are warned nonetheless to be on the lookout for signs that someone damaged the card 's packaging. 
The bad actors, XXXX said, are able to use technology to monitor when the compromised cards are activated. Soon after money is loaded onto the card, the scammers will the use the activation code to steal the money. 
" As soon as that card hits the cash register, they're pinged, '' XXXX said. 
The value of the card can end up being drained by an outsider, without ever leaving your hands. 
I read your terms and conditions, and I am well aware that customers are entitled to a full refund for a defective product. 
I attached the receipt that I got with the product as proof it was purchased from your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to the complaint that I have filed with your company as well as my previous disputes with all XXXX credit bureaus. These issues have not been resolved per my satisfaction no per the any FCRA requirements and this will be my last request before I file a lawsuit agains you as well as these reporting agencies.
Product: Debt collection

This debt was paid in full and marked closed. Creditor agreed to remove from all credit bureaus due to discrepancies.