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

I signed up for a credit card that had a promotional offer of XXXX bonus points after spending {$1000.00} within 90 days. Once all of that occurred, I was issued only XXXX points. I have called and spoke to someone and opened a case, I was sent a general letter that my case was closed and there would not be any additional points. I called them and I spoke to XXXX who provided me with his operator ID XXXX. He advised that he is located in the call center of the XXXX. This credit card is a Barclay 's Credit card through XXXX XXXX. It is a Visa that I am able to use anywhere. He advised that I signed up for an offer for the 25,000 points. I advised that I have proof of the 32,000 points that I was supposed to receive that was time stamped on the time and date that I signed up for my offer. I didn't get anywhere with him so I used twitter to contact them, and this is the message that I received verbatim " We are unable to change the promotional points that were offered during the time of your application. Welcome bonus offers will vary depending on the time of application and application channel additionally offers change on a regular basis. We apologize for any inconvenience this may cause. '' This was initialed by XXXX. I sent them the offer from the website that I applied on when I completed the application. I do this with everything that I do because I am sick of companies posting things and not honoring what it wased that they advisertised.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I never open account with them
Product: Credit reporting or other personal consumer reports

Tower loan in the amount of XXXX and something I have contacted them multiple times letting them know that it was fraudulent done I live on XXXX Al they sent a check on the mail to a old address in XXXX XXXX so someone got the check out the mail and cashed it I sent in documents letting them know that it was fraudulent done they stated that they would get it removed off my credit report and never did it is still there I have called back on multiple occasions and they keep saying they did get it removed on there end but it is not removed off my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$250.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Checking or savings account

I am trying to close my account since i have issues with them concerning privacy like taking pictures of my home. I am just not comfortable of sending a picture of my home just to prove about my place of residence. Since i still have funds with them, I can not even avail of it. I want my balance sent to me. I have been verified by XXXX XXXX XXXXXXXX, XXXX and XXXX XXXX without having to ask for my picture standing in front of my house from corner to corner.
Product: Mortgage

We made a request for a loan pay-off with Seterus, and although we are current with our loan we failed to receive a pay-off within 7 Business Days. Property has still failed to close due to not receiving the pay-off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXXXXXX Balance : {$1700.00}
Product: Credit reporting or other personal consumer reports

The applicable provisions of the Fair and Accurate Credit Transactions Act of 2003 ( FACT Act ), Pub. L. 108159 117 Stat. 1952, shall be effective in accordance with the following schedule : ( 1 ) Provisions effective XX/XX/XXXX. 

I have already disputed these items with the bureaus, but they did not remove, nor prove validation. 

XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX account # XXXX, XXXX account XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX account XXXX XXXX,
Product: Credit card or prepaid card

I made a purchase at XXXX with the Chase Freedom credit card. The second quarter had XXXX as receiving 5 % cash back reward on purchases made during that time period. I made a purchase on XX/XX/22 at XXXX. The XXXX receipt clearly indicates that date. The Credit Card posted the purchase on XX/XX/22, those wouldn't get the cash back. I menage a customer agent about this, they even had me e-mail the receipt. They didn't do anything.
Product: Credit card or prepaid card

I attempted a number of times today to leave feedback on your website regarding my previously filed CFBP complaint XXXX submitted on XX/XX/2019 and closed by CFPB on XXXX/XXXX/2019. I was unable to leave feedback so I have initiated a new complaint to piggyback onto the original complaint filed in the hope that the CFPB may take further action regarding this matter as I do not deem the original complaint issues to be fully resolved at this time. I have attached a copy of the correspondence ( three pieces ) that were forwarded to Capital One today XXXX/XXXX/2019 outlining the remaining ongoing issue from the original complaint filed on XXXX XXXX, 2019, and not yet resolved. I believe my XXXX XXXX, 2019 attached correspondence to Capital One clearly outlines the remaining issue in this complaint ; and from my standpoint it is a very important issue considering that it clearly contradicts my assertion that I did not authorized nor place the 8 disputed credit card charges, contradicts the clear notification of error email from XXXX received recently, and basically skirts the principal issue of integrity in this case. I am not pleased with how Capital One has handled this matter from start to finish either from the investigative end or from the customer relations end. I am considering further options, including hopefully this complaint through CFPB. Thank you for your continued assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My year of birth is incorrect and I keep getting fraud alerts on my accounts. I am XXXX  years of age and i provided a picture of my birth certificate and my XXXX  records to attach to my credit report for future reference
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is fraud, and not my account. They should be required to provide the verification to show how this account was setup! I filed a dispute that was mailed certified and received XX/XX/18 and signed for. I requested to have account XXXX with XXXX XXXXXXXX XXXX validated. Which means a copy of a contract in my name with them. I was never provided this info from Experian, and within 9 days they emailed me to tell me this account was updated. What was updated? The same exact information is there, and how and when was it validated with me? No validation was done, and this is what continues to be done. This is my credit, my life!
Product: Credit card or prepaid card

The company XXXX issued me a rewards gift card on XX/XX/XXXX, shipped XX/XX/XXXX, and received by me XX/XX/XXXX for {$250.00}. The expiration date of the physical card was less than 6 months at XX/XX/XXXX. I found out today, XX/XX/XXXX, less than 6 months after I physically received and could use the card, that the physical card is expired, but that the card issuer could reissue a new card for a {$12.00} fee. But I also have to physically print off the form and physically mail the form, another obstacle the issuer is using. To replace the card with a new and valid expiration date, the card issuer is attempting to charge me {$12.00} fee. I was under the impression that I am entitled to this card and access to my {$250.00} for up to 5 years, and that no fees could legally be charged for up to 12 months after issuance, by the issuer. The 6 month expiration date funnels people towards a {$12.00} reissue fee, that is no where described on the card, and seems to violate my rights to access my gift cards funds free of charge within the first 12 months after issuance. What can I do?
Product: Credit card

When I log into the Chase Sapphire Visa website, the total " Pending Charges '' amount displayed is inaccurate. If you add up the itemized pending charges, they total more than the " Pending Charges '' amount displayed by Chase. For example, on XX/XX/XXXX, the web site displayed my total " Pending Charges '' as {$730.00} but the itemized charges listed below that number actually total {$1700.00}. Please see attached screen shot. I contacted Chase about this issue at XXXX on XX/XX/XXXX at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 I noticed that IC Systems/XXXX was shown on my credit report as a collections account. I contacted them to confirm the address for the service because I had evidence of paying my XXXX account prior to relocating out of the state of PA. The address they provided was an address that I have never lived and during the time the service was provided, I showed evidence that I was living in VA. I submitted all of this information to all 3 credit bureaus ( XXXX, XXXX  and XXXX ) so  that the erroneous information would be removed. My credit report also showed the address where XXXX service was provided and I submitted evidence to all 3 credit bureaus advising that I never lived at the address they had on file. Each credit bureau removed the collection account as well as that address listed based on the written documentation provided. At the end of XX/XX/2017, I received a call from XXXX attempting to collect on that same debt that I had the credit bureaus remove and I advised them again that this was not my debt since I had never resided at the address where XXXX provided service. I was told that in order for me to stop the collection calls, I needed to fill out a form for fraud on their website. I completed this as required but received a letter advising they would not process my online form unless I could provide a police report for identity theft.. When I contacted XXXX XXXX ( VA ) Police Department they basically advised that since I was not sure who stole my identity, I should have been able to dispute this with documentation evidencing my previous address during the time the services were provided by XXXX. On XX/XX/2017, I submitted a letter to XXXX ( attached in this complaint ) advising them of this and provided all supporting documentation to evidence that I never lived at the residence and I never heard back. Today I received an alert from XXXX XXXX that a collection account has been added to my credit report from IC Systems and the original creditor is XXXX. This has caused my credit score to go  down XXXX points. It has been 2 years since I sent the letter to XXXX and they have never responded but have sold this debt to IC Systems again and is now showing as a collection on my credit report. I have never received any information or telephone calls since submitting my letter to them 2 years ago. I have submitted a letter to the 3 credit bureaus again to have this removed from my credit file
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to Privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without 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 then records of convictions of crimes which antedates the report by more then 7 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. These are Fraudulent accounts and need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, It has been a struggle to remove this fraudulent inquiry from Capital One/Saks 5th Ave. On XX/XX/XXXX, I received an alert from hard Inquiry from Saks 5th/Capital One. I never applied to Saks. I called customer service and the rep stated " thank you for bringing it to our attention, we will get back to you ''. It 's been a few weeks and nothing. I need this fraudulent inquiry removed asap. <P/>Thanks.
Product: Credit reporting or other personal consumer reports

Earlier today, I came across incorrect information on my credit report, and I am unsure how it happened. I routinely check my credit report, but this time, there were unexpected errors. I even attempted to refresh the page to rule out a glitch, but the inaccuracies persisted. Therefore, I request a detailed review of the documents I have submitted to prevent this from happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

factual dispute Equifax has continued to allow XXXX to report inaccurate information even after several disputes this year alone. this account is reporting a {$0.00} amount for last payment on account credit reporting when by XXXX on response document states {$43.00} actually was last payment on XX/XX/XXXX as of XX/XX/XXXX XXXX  certified in accordance with the FCRA laws was reporting correctly in fact the account has not been reporting accurate information violating my consumer rights to accurate reporting I have attached three document 1 ) EQUIFAX PAYMENT HISTORY REPORT 2 ) XXXX RESPONSE LETTER STATING THE ACTAUL LAST PAYMENT AMOUNT 3 ) XXXX RESPONSE LETTER STATING THEY VERIFIED THEY ARE REPORTING LAST PAYMENT INFORMATION ACCURATE when in fact they have not and closed out another complaint with a statement they are attempting to buy the debt back from current debt owner why is this if everything is lawful. MAY I REMIND YOU XXXX & XXXX HAS REINVESTIGATED THIS ACCOUNT AND HAS DELETED THIS ACCOUNT FROM THIER REPORTING FILE AND FURNISHER ( XXXX ) IS ATTEMPTING TO BUY THE DEBT BACK IN HOPES OF ( DAMAGE CONTROL ) COVERING UP UNLAWFUL ACTS MAD ON ACCOUNTN BEFORE DEBT WAS SOLD TO CURRENT DEBT OWNER
Product: Checking or savings account

UMB Bank took my XXXX down to XXXX through their monthly fees ( XXXX XXXX -- XXXX Now I understand why you helped create the CFPB, thank you ) I had a company sponsored XXXX Savings Account XXXX XXXX XXXX where I had deposited over {$3000.00} pre-tax dollars through payroll deductions. My employer plan was through UMB bank ( https : //onlinebanking.umb.com/ ). This was not my choice, but rather the bank my company worked with to facilitate this XXXX benefit. 

When I left my company for a job at a new company, I kept my XXXX account. I did not receive any paper documentation, but just an email from UMB for me to register for an online login. I was not notified of any changes or fees within my XXXX. I continued to use the check card associated with my UMB XXXX account. 

After 16 months, I noticed a {$2.00} monthly charge on my account. The fees added up to over {$50.00} without me ever opting in to this setup In seeing these fees that were slowly clearing out my XXXX savings, I contacted XXXX XXXX on the services team at UBM and walked him through the issue ( XXXX ). Within 7 days, XXXX XXXX, a Senior Rep at UMB, Kansas XXXX, contacted me and said that even though I was unaware of the fees, the most she could do would be to refund me for 3 months worth of fees. I know have {$9.00} left in the account, and have been told that for a {$25.00} fee they can roll this remaining amount into my XXXX with my new company. 

I inquired and UMB has not been able to produce a record of me agreeing or notifying me of the monthly fee that was placed on my health savings account. They had me file a research request and may mail me something or contact me in the next 30 days. If I were not to catch this, rather than these pre-tax dollars going to my families XXXX, they would have been eventually been taken in full by the bank. 

I believe this was misleading and I feel violated as both a customer of XXXX and discouraged because I thought I was following all of the rules and policies. If I had known of this fee, I would have rolled the funds into my new company managed XXXX account at another bank, where my savings are actually growing and I am not charged a monthly fee of {$2.00} to hold my savings.
Product: Mortgage

Received last statement on XXXX stating that the balance on my mortgage= {$270000.00} When closing on XX/XX/15, total = {$290000.00}, so asked for accounting of why Bayview/XXXX  took an extra {$16000.00} from our payoff. 
Asked for accounting and audit of where these funds are and why the discrepancy?
Product: Credit reporting or other personal consumer reports

I am writing this letter to address the delinquent accounts listed on my credit report. Recently, I received a copy of my credit report, which has prompted me to question why my information was shared without my consent. It deeply concerns me that such inaccurate and incomplete information is being disseminated, causing me undue XXXX XXXX XXXX.
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 XXXX XXXX XXXX. 

Account name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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 reporting, credit repair services, or other personal consumer reports

This is my third CFPB complaint filed against Equifax about this matter. Equifax HAS NOT provided to me documentation from XXXX XXXX XXXX  # XXXX. It has been over 30 days since Equifax promised me these documents through the CFPB. Personally, I have not been able to get documents from XXXX XXXX, despite my MANY requests and can not understand how this account continues to report on Equifax 's file for me. Certified letters to XXXX XXXX attached. This inaccurate reporting is affecting my ability to obtain employment and housing during these horrible times. I am begging for help. I have spent over 8 months and several hundred dollars communicating with Equifax and XXXX XXXX XXXX. I am begging for Equifax to begin following the FCRA and remove this inaccurate reporting. The next option is for me to file a lawsuit against Equifax, should this not be resolved. Attached is the latest CFPB complaint response from Equifax stating that they are getting documents to verify account. Certified letters sent to XXXX XXXX and Equifax. XXXX XXXX DOES NOT have loan documents regarding this account, so this tradeline must be removed accordingly.
Product: Mortgage

Original Loan XXXX XXXX XXXX Refinanced XXXX Carrington Mortgage Services LLC Judge Ruling XXXX Legal Fees Assessed XXXX XXXX Filed XX/XX/XXXX I filed for XXXX and was 5 months behind on mortgage when I received XXXX. The loan was sold during foreclosure. I attempted to bring the payments current but mortgage company refused, demanding full balance and started foreclosure. 
I obtained legal service through XXXXXXXX XXXX XXXXXXXX XXXX, which I was exempt from paying for any legal fees due to my income/disability. 
The judge dismissed the case, no prevailing parties and I was to pay for my own legal fees. 
A loan modification was done and debit authorization for mortgage payment. Mortgage company assessed legal fees and placed on my mortgage statement as past due. This does show on my credit report. The assessed legal fees are ridiculously high and no proof of their fees from their attorney and/or filing fees or court costs except what they want to charge. 
Please see the attached original mortgage loan, judge ruling stipulation and correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I took a loan out with LOANME, XXXX amount for {$2500.00} and in XX/XX/XXXX I went on a XXXX leave from my job. I was unable to continue paying my loan. LOANME sold my loan to someone els. I have since paid off my loan to one of the other companies that brought the loan for {$2600.00} in XX/XX/XXXX. 
LOANME is still reporting to credit company that my loan is Nigitive and refuse to acknowledge in my credit report, are to the credit bureau that it has been settle and paid.