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

The CFPB claims that " We aim to make consumer financial markets work for consumers, responsible providers, and the economy as a whole. We protect consumers from unfair, deceptive, or abusive practices and take action against companies that break the law. We arm people with the information, steps, and tools that they need to make smart financial decisions. '' You claim to protect me from unfair, deceptive, or abusive practices and take action against companies that break the law. On 3 different occasions I have reached out informing you that the 3 credit bureaus are trampling over my rights and has repeatedly and continues to report inaccurate and incomplete information on my credit profile for the following account. Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I file a complaint with all 3 credit bureaus ( XXXX ). On XX/XX/XXXX the credit bureaus responded that they have completed a thorough investigation and confirmed that they were reporting accurate information. On XX/XX/XXXX I file a complaint with all 3 credit bureaus ( XXXX ). On XX/XX/XXXX the credit bureaus responded that they have completed a thorough investigation and confirmed that they were reporting accurate information. Why do you continue to let the credit bureaus break the law? I have attached XXXX inconsistent credit reports from XXXX, Trans Union, and XXXX showing the inaccurate reporting. Please note that Trans Union was reporting a 30 day late from XX/XX/XXXX through XX/XX/XXXX. XX/XX/XXXX reports a 30 day late, XX/XX/XXXX a 60 day late, XX/XX/XXXX a 90 day late and XXXX reported a charge off. Now it has been so called updated and display ok for XX/XX/XXXX and 30 days late from XX/XX/XXXX through XXXX XXXX day late in XXXX of XXXX and charged off in XXXX of XXXX. Throughout the report an X has been placed indicating that the payment status is unknown. Again, this creditor is required by law to disclose 100 % complete and accurate information. If the creditor has admitted that they are reporting unknown information, how can they say that this report has been 100 % verified? Attached is the Transunion report obtained from Annual Credit Report showing the incomplete and inaccurate information.
Product: Credit card or prepaid card

A more than {$4000.00} charge from company XXXX XXXX was charged to my Chase credit card. I disputed the charge with XXXX XXXX the XXXX, and Chase who all told me that the charge was legitimate and can not be reversed. Chase told me that since XXXX had my card information that they were allowed to just charge my card whenever they want for any amount, and I can only dispute if they don't subsequently provide me with a service. I have not received a service from XXXX XXXX, and I did not authorize the charge to my card. The first person I spoke to at Chase told me it would be reversed, and then a second Chase rep called me weeks later to tell me it will never be reversed. Please help me reverse this fraud.
Product: Debt collection

Everyday for months Transworld Systems INC has been calling from different numbers after Ive blocked them from contacting me. I have already tried to resolve this with their office but they will not comply. Very annoying and I shouldnt be subjected to this harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I signed up for the Delta Skymiles rewards card through American Express. They advertised XXXX bonus points for spending {$2000.00} in the first three months, plus an additional XXXX bonus points for spending an additional {$1000.00} in the first 6 months. I met these requirements within the first month of opening the account. The points were never deposited into my Delta Skymiles account. 

I opened my first chat message through their Amex app on XX/XX/XXXX asking about the bonus miles. I was told on XXXX that it would be credited to my account 6 - 8 weeks after meeting the requirements. 
Then on XX/XX/XXXX I messaged support again to get a status on my promised rewards. I was told they were going to open an inquiry for me and that I should check back after 2 to 3 weeks for the status. 
On XX/XX/XXXX I messaged again for an update. I was then told I need to wait 6 to 8 weeks for the investigation to complete and have the points deposited into my account. At that point I asked to be escalated to a supervisor who could see that I certainly did meet the requirements for the card. But was also told that sue to the immense response to the offer, there has been a delay awarding the rewards points and they need to research all submissions. I told them their shady business practice was unacceptable and I needed a date to expect the rewards. I was not given one as they can not fix it on her level. 
I followed up several times in XXXX through chat and was told the MAXIMUM time frame for the investigation is 2 billing cycles and I only escalated my case towards the end of XXXX. 
Today I called them and spoke to a supervisor who told me they are having an issue with a " handful of accounts '' ( I have seen that this is the term Amex uses a lot with other people that have raised concerns like this_, and they do not have a date they can tell me when I can expect a resolution. 
I am at almost 9 months with this card and no resolution or even a feeling that this will be resolved. This is an unfair business practice and this company needs to be exposed for what it is doing to consumers.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and REMOVE them immediately in 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
Product: Credit card or prepaid card

To whom it may concern, I have a Home Depot Consumer credit card. I received my statement for balance due for XX/XX/2019. It informed me that they never received payment for balance due XX/XX/2019. I did, however, make my payment in XX/XX/XXXX and have a copy of the canceled check through my bank with the stamp of approval through Home Depot. Ive called Home Depot multiple times in the past 3 weeks. I have faxed the copy of the canceled check to them daily for the past 2 & 1/2 weeks and they have yet to resolve this issue. Im being called almost daily to collect payment, they lowered my credit limit and they have given me 2 late charges. 
Thank you
Product: Credit card

CitiBank offered a credit card when we were booking our vacation. The offer was that we would receive free bags on our XXXX XXXX ( XXXX ) flights. XXXX did not honor this claim, and we had to pay {$200.00} extra for our bags on XXXX trip. There were XXXX mysterious charges from XXXX which CitiBank nor XXXX could explain, but we expected to pay them or suffer interest and late fee charges. We made XXXX phone calls to CitiBank and XXXX calls to XXXX. We filed a dispute with CitiBank. On each subsequent call the dispute was never documented, no confirmation numbers were provided. Late fees and interest charges continued to be charged to us by CitiBank. Finally I spent XXXX minutes on the phone ; and my wife spent another long conversation to attempt to solve the constant double talk and misinformation. No supervisor would would come to the phone. We believe this is an unfair, deceptive and abusive practice which CitiBank perpetrates on consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, I XXXX XXXX XXXX, disputed an account reported by XXXX XXXX. I was informed in XX/XX/2019, that the item was deleted from all of my credit reports. I have recently discovered XX/XX/2019, that a collection item has been re-inserted by an entity known as XXXX XXXX XXXX who has illegally reported a collection on all three credit bureaus. I have NO such business dealings with this company and ask they provide signatures stating that we have an agreement. I request that the collection item be removed permanently from XXXX, Experian and XXXX XXXX credit agencies immediately as my credit has suffered from this form of identity theft. 
Again, I have had NO such business agreements with XXXX XXXX XXXX and demand swift deletion off all of my credit reports. The next step will be legal action against this entity and the bureaus that continue to report this fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION, XXXX, XXXX  ABOUT BREAKING THE LAWS Under 15 U.S. Code 1681b- Permissible purposes of consumer reports. I XXXX XXXX THE LIVING HUMAN BEING NATURAL PERSON NEVER GAVE THESE AGENCIES ANY PERMISSION OR AUTHORIZATION TO REPORT THIS ACCOUNT ON MY CREDIT REPORT! 

NO CONSENT IS IDENTITY THEFT! 

I NEVER DID ANY BUSINESS WITH THIS COMPANY / COLLECTION AGENCY WHICH THEY HAVE NO RIGHT REPORTING HARMFUL INFORMATION ON 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 and has violated my rights. 

Account Name : XXXX Funding Account # XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX Card Account # : XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( 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: Mortgage

I have an FHA mortgage and the handler is " Freedom Mortgage '', I called on XX/XX/XXXX and let them know that I have been impacted by COVID 19. I spoke with a representative that stated that I could do a DEFERMENT at NO PENALTY for three months ( XXXX, XXXX and XX/XX/2020 ), and I would resume paying on XX/XX/2020. I was told that the processing time for this request would take 2 weeks, and I called back on XX/XX/XXXX. I spoke with XXXX from Freedom Mortgage customer service ( id badge number : XXXX XXXX, and was told that the initial information that I was given was incorrect and I could ONLY do a forbearance ( My mortgage would be suspended for the 3 months then after the 3 months then a lump sum payment would be required ). XXXX then transferred my call to a manageXXXX, and the manager was going to review my call from the first person that initially talked to on XX/XX/XXXX, and that she would return my phone call within 48 hours. I have never heard anything back, and they have representatives telling mortgage lenders incorrect information during this time when millions of people are losing there jobs and need help. I know that some mortgage companies are offering a deferment at no penalty, and do not understand why FHA loan borrowers are not able to receive this assistance. 


Please look into this matter. Thanks.
Product: Checking or savings account

I had a call that was from an individual portraying to be an us bank representative. The number that they were calling from was similar to us banks number. Just 2 numbers were reversed. They know everything about my account and told a XXXX transaction had been attempted on my bank account. I immediately opened my us bank app to look at my account. This person said they were remotely going to log in to my account to help me. Which us bank has done for me before. While I was looking at my account info I was receiving text messages that said it was from us bank. Meanwhile the man remotely hacked my phone and was making a transaction payment on XXXX  app. It happened very fast. And before I new it he hung up and my phone refreshed the page and XXXX dollars were withdrawn and sent thru the app XXXX. I immediately call us bank and reported the incident. I also went to the local branch, they contacted the fraud department too. The fraud department recommended I close all my accounts since they may have been compromised. So I closed all my accounts. I also filed a police report. It really concerns me that us bank promotes XXXX on there mobile app and supplies a direct link to there site.
Product: Credit card

Receiving many phone calls from Chase Bank and my bills are paid. I think they are just computer generated but very annoying.
Product: Payday loan, title loan, personal loan, or advance loan

I've been paying extra on this loan for quite some time now. Full year. 

The initial loan was for {$20000.00}. And the interest rate was 12.99 % per annum. 

So far, I have made 12 payments, totaling {$5100.00}. 

{$2000.00} has come off of the loan. 

That leaves a balance of {$17000.00}. 

That means that in the first 12 months, {$3000.00} was interest. 

That does not make any sense, because I have paid more than the minimum almost every single month. Sometimes I've made double payments. 

It is also an effective interest rate of 15.28 %. 

Something is not right here. 

12.99 % should have been {$2500.00} of interest in that year.
Product: Vehicle loan or lease

I purchased a used XXXX XXXX XXXX in XX/XX/2022 and 10 months later the motor locked up I tried on several occasions to get them to fix it they gave the run around about so I did a voluntary repossession cause I couldnt afford to get it fixed and pay a car note I called credit acceptance they didnt listen to me at all and they saying I have to pay the remaining balance on it
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I mailed an Opt Out Notice and validation request to Discover. I requested that both accounts acct XXXX XXXX  be validated request listed below : Copy of my written consent to form a credit report on behalf of entity XXXX XXXX XXXX ; The amount they claim the Principal owes them ; A letter of explanation showing me how they have computed the amount ; Contract with both WET INK Signatures ; Copies of any document that prove I agree to pay the alleged amount ; Confirmation that the account has not reached the statute of limitation ( SOL ) period ; Evidence of your license numbers and your registered agent ; DISCOVER ignored my request and continued to report after I opted out and revoked my permission. They were informed of the privacy act of 1974 as well as all other violations below. 
Discover never produced any of the requested information above including any such contract with both my wet signature or theirs. 
The privacy act of 1974 15 USC 6802 15 USC 1681 Violation of 15 USC 1681a ( 2 ) ( a ) ( 1 ) Violation of 15 USC 1681 ( a ) ( 2 ) Violation of 15 USC 1681 ( a ) ( 4 ) Violation of 15 USC 1681 ( b ) ( c ) Violation of 15 USC 1681 ( b ) Violation of 15 USC 1692 ( f ) Violation of 15 USC 1681n Violation of 15 USC 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A Defamation of character Capital one is in violation of multiple US Codes, Privacy Act of 1974 and FCRA. All DISCOVER accounts are to be removed from my credit report Per 15 USC 6802. Discover has stated in their own privacy policy that I have the right to opt out of sharing to non-affiliate and they are not affiliated with any of the credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I attempted numerous times to contact tekcollect and explain to them that I do not owe this money. I contacted them again when I received another letter and told him please validate this they told me they will get back to me and never did. I explained to them that this oil company is using a retaliation tactic because I no longer use their service because they did nothing but damage my system. I never authorized any work by them and they tried to bill me for it in which no work was performed. When I explain that to tekcollect they told me they will contact them, I spoke to the management there and a no one ever got back to me. I do not owe this money this is fraud.
Product: Debt collection

I needed to find a better rate on my student loans ( Navient ) to lower my payments. Instead, they extended the loan which forces me to pay more than I actually borrowed. I was never offered income-driven repayment plans. The options that were given to me were not fair.
Product: Debt collection

To   XXXX   XXXX   XXXX   XXXX   Attn : LEGAL DEPARTMENT   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  , UT  XXXX  cc : Federal Trade Commission Office of Inspector General " Room   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX  , DC   XXXX   Ref. :   XXXX   XXXX   XXXX   Acc #  XXXX  NOTICE TO DISCLOSED DEFAULD DATE AND PROOF THAT STATUS OF LIMITATION HAS NOT EXPIRED This letter is a formal request under Fair Debt Collection Practices Act ( FDCPA ) to   XXXX   XXXX   XXXX   (   XXXX   ) to disclose the following information regarding the loan account #   XXXX   : 1.- Default date of Loan 2.- Proof that status of Limitation has not expire 3.-   XXXX   XXXX   XXXX   as Trustee 's Headquarter address and agents, all information, but no limited.
<P/>
On XX/XX/XXXX  in response to Violation of Statute of Limitation,   XXXX   said Consumer Financial Protection Bureau that it has conferred with   XXXX   and  XXXX  does not agree that the Statute of Limitations for this debt ( account ) has expired, but failed to state the Default Date.   XXXX   XXXX   XXXX   XXXX   has failed and refused to provide the above information since  XXXX .
<P/>
Sincerely,   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX    XXXX , Fl  XXXX  (  XXXX  )  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a serious issue with a credit company falsely reporting me as late for month 's of XXXX, XXXX, and XXXX. 
The card, mentioned above, was closed in XXXX. I made a large payment in, early, XXXX to settle the amount left on the account. My account was closed and payed off. Someone from the company charged my " closed '' account 10 dollars, without my knowledge or consent ; because, I spoke to a representative instead of charging my bank account. I had no knowledge of this! So, they then charged me membership fee 's on a closed account! For the month of XXXX and XXXX, and also charged me late fee 's and reported this to my credit report. This account was closed and I had NO knowledge of this. They have done nothing but give me a hard time! Refused to give me a simple letter for my credit repair person and remove this false negative report. Not to mention I spoke to them five times and gave them an additional payment in the month of XXXX for falsely charging my CLOSED account for Two plus months! And they still reported me as late and delinquent for XXXX. I have been working with a credit repair agency an this is prolonging everything! They have not helped me. They lied and said they would wave fee 's and fix the false balance on an already closed account that should of had a zero balance. They did not remove or fix anything! Instead they keep reporting this, and I need help. A letter for my credit repair man and to have this removed ASAP! I also would like to report them as unprofessional and for fraud!
Product: Bank account or service

I went to chase bank XX/XX/XXXX to withdraw {$440.00} dollar and i saw the money came out by the time i take the money out of the atm the machine took the money back. And i went to the next atm saw my remaining balance. Which means XXXX was withdraw on my checking account.balance I called chase customer service and was told i will get my refund within 12 hour. The next day which was XXXX i called again was told i would get my refund with 24 hour. Ok on XXXX i called was told it will take 3- 6 business day to review my claim. I called yester day was told that it will take more than 6 days to review the claim and unsure i would get my refund. Usually it takes a few hours to get a refund from chase. Iam wondering why is it taking so long to get me my refund?
Product: Credit reporting, credit repair services, or other personal consumer reports

Okay so i disputed a  Repo  account with  XXXX ,  XXXX , and Equifax. They responded back saying that they verify that it was my account. So I called each credit bureau and asked them how they verified that it was my account. All  XXXX  of them said they called  XXXX  to verify. So I took it upon myself to give  XXXX  a called and spoke with a rep ( I do know her name and the department she works and if I 'm not mistaken she recorded the call ). She stated that no company call asking anything about my name ever. I would like them to delete the account off my report because it 's false information and hurting my credit in a negative way