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

I currently have over XXXX Chase Ultimate Rewards points, which are worth at least {$7500.00}. 

Around XX/XX/2018 ( 4 months ago ), when I tried to access my Chase Ultimate Rewards account ( or even activate the 5 % bonus on Chase Freedom ), I would get shown this page that says " We are unable to complete your request at this time '' ( image attached as well ) : XXXX : XXXX At first I thought it was just a temporary error ( which isn't uncommon for Chase ), but after 2 weeks this was still happening, so I called customer support. They opened a ticket, got escalated to their tech team, but when I would call back to find out what happened, they told me that the case had been closed. This happened 3 times, and each call has taken a lot of time to explain the situation and verify a bunch of information. 

Going from ultimaterewards.com and chase.com have the  same result. 

I'm not able to use these points by phone either, because the operators for the Travel Center are not able to access my account/points neither. 

I've tried every browser, both XXXX and XXXX computers, and the XXXX Chase phone application. They all send me to the page that says " We are unable to complete your request at this time '' On XX/XX/XXXX, I looked up some people that work in Ultimate Rewards on XXXX, and cold called a VP of Customer Relations. He acted like he was helpful at first, and we exchanged some emails. He eventually said I can buy a flight/hotel using Chase Sapphire and if I give him the details, he will deduct the appropriate points and credit my credit card for the purchase. 

Long story short, he wasn't able to fix anything. 

I can see that I'm still collecting points, but I haven't been able to access it. 

I travel a lot, and it's become a huge inconvenience that I'm not able to access these points which I intended to use for travel. I need to get this issue resolved ASAP.
Product: Bank account or service

On XXXX/XXXX/2016 at approximately XXXX ; I went to the remote kiosk Bank of America ATM XXXX XXXX ) in XXXX XXXX to deposit cash, as I frequently do at this ATM. I entered my card and pin #, deposited my {$250.00} cash ... then the screen went back to the home screen as if nothing had been done.The machine did not return my card nor provide me with a receipt. I immediately called the ATM hotline number XXXX XXXX ) listed on the bottom of kiosk to report the problem. The representative ( XXXX TX ) I spoke with acknowledged that there was problem and cited an error message. He then attempted to " refresh '' the machine remotely, with no success. He said he was dispatching a technician immediately, but it could take up to 4 hours. He did state he would note the issues and our conversation on my account.He said this type of this type of thing " happens all the time '' and not to worry. He did close the card lost in the ATM and ordered a new XXXX.However I was not comfortable with his cavalier attitude toward the problem at the ATM ; after all he was n't the XXXX loosing the {$250.00}, so I called back. I was placed on hold for 45min when I was finally connected with another customer service rep ( XXXX AK ) in the fraud department. She said there were no notes placed on my account of any issues nor was there a record of my deposit.It did not seam as if she understood the nature of my phone call ; I know this because she continually asked me for the card number of the card that was stuck in the ATM and kept making refence to a {$250.00} deposit I made on XXXX/XXXX/2016. However she did say she would take my statement and apply a credit while it was being researched. Again my confidence was low with her ability to notate the problem correctly, and rectify the situation. I was correct ... .I called the following morning and according to the customer service rep XXXX XXXX XXXX ) there was not claim started. Again I went through the entire scenario and I believe it was corrected at that point. Now three weeks later Bank of America is debiting my account {$250.00}, stating there was no problem with the ATM. Which is untrue ; my original contact at BoA ( XXXX ) said he could see the ATM was malfunctioning due to the error message signal he got after keying in XXXX, which corresponded to the ATM I used. 
The customer service at Bank of America has caused me many problems and money, and this is just the latest issue! 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXXXXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor XXXX 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 XXXXXXXX, have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 7, 8, 9, and 10 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an XXXX. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a right to privacy.

15 U.S.C. Section 604 A 2 It also states a consumer reporting agency can not furnish a account without written instructions.
Product: Credit card or prepaid card

XX/XX/2018 Submitted credit card application. 

XX/XX/2018 Application for credit denied. Email sent stating : We are writing to provide you with additional information regarding the decision to decline your recent application. 

Link included : https : //capitalone.XXXXcom. No letter or download available. 

XX/XX/2018 Sent screen shot of original email from Capitol One ; Screen shot showing no letter / document to explain decline of credit ; Screen shot of XXXX account with XXXX credit score. 

XX/XX/2018 Spoke with representative from Capitol One who stated would send a letter explaining denial of credit within 1 week. 

Capitol One has been unresponsive and still has not provided any explanation why I was denied credit. This has caused me severe distress. 

I believe Capitol One has discriminated against me due to my age ; or other improper reasons unknown to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$520.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXX XXXX Balance Owed : {$28000.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 

XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 

XXXX  XXXX XXXX Balance Owed : {$1600.00} - This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file.
Product: Credit reporting

On XX/XX/XXXX collection accounts on my credit report were deleted. On XX/XX/XXXX they were reinserted and Transuion refuses to investigate
Product: Payday loan, title loan, personal loan, or advance loan

Somehow Automatic payments were turned off by Paypal Credit in XXXX. I do not recall turning them off despite company 's claims. XXXXXXXX XXXX totally could have done it though. 

Received statements via email with details about amounts due with links to full statements but included all " details '' within the email itself. I think this is purposefully to keep people from clicking through. 

Because manual payments were made for full balance amounts between XXXX and XXXX, didn't think about AutoPay/was under the impression AutoPay remained on, but had a balance to pay of " XXXX ''. These emails also did not indicate AutoPay was off, instead specified only " Manage AutoPay. '' Since I was under the impression AutoPay was on, when I received a statement email of XXXX, and did not make any purchases using the Line of Credit that month, did not think a manual payment was necessary. I assumed AutoPay would handle it. AutoPay did not handle it. 

Between payment due date ( XXXX ) and following statement date ( XX/XX/17 ), I did not receive any notification of missed/late payment. 

Received following month 's emailed statement, and details included within email did not indicate ANY past due balance, despite covering total balance, minimum due, minimum to pay to avoid interest charged and due date. 

Still under the impression that AutoPay was on, I logged on today ( XXXX ) to check my balance for budgeting purposes and was horrified to find that I had a PAST DUE balance that I was completely unaware of. I immediately paid the balance in full, including two " minimum interest charges '' that would not have been otherwise applicable. 

This has also now impacted my credit report, despite not being made aware of this balance until today. 

Reached out to PayPal via chat, and they could not help me. Called once and was told to speak about credit reporting, I had to talk to customer service ( who I was speaking to? ) Transferred and hung up on. 
Called again, first person said I was within 30 day window and late payment wouldn't reflect on my credit report. 
Transferred me for more information about notifications and Second person said it would reflect on my credit report. No one had any good response for why I wasn't notified of the past-due amount. They simply stated the XXXX statement indicated a past due balance but had no reasoning why the fact there was a past due balance was not included in the " DETAILS '' section of those emails. 

It seems to be a purposeful way to increase their interest charges. ( One XXXX charge has now received 4 dollars in " minimum interest charges '' in two months ) and I'm sure they would have put in a late fee if not for the small amount past due.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report with XXXX XXXX agency and discovered an inquiry from XXXX XXXX XXXX. I have never applied for any credit or services from this Bank XXXX Company. I called them directly and ask what this inquiry was for and was told they do not have any record of me making application to this company. I asked that this inquiry be removed from my XXXX credit history and any other agencies that they use.
Product: Debt collection

Hello- i recently noticed on my credit report ( XXXX ) that  Transworld Systems has a negative entry under XXXX XXXX for {$13 0.00}. I called Transworld Systems on XX/XX/2020, and they were unable to find me in their system. If that is the case, I do not understand how they were able to file a negative entry for me on my credit report! 

Please help get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This was a corporate account that inaccurately and erroneously reporting on my profile. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. Kindly investigate and remove it from my personal credit file. Thank you. 
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) ***** Opened XX/XX/2020 Balance {$1500.00}
Product: Debt collection

The original debt was disputed with the XXXX. Three phones were returned and only one had a contract amount remaining. XXXX changed the terms of my monthly contract and did put the discount date on my bill until the last month of that contract. Their customer relationships person XXXX XXXX Took responsibility for that error on XXXX  part. This amount should not be XXXX and XXXX needs to provide documentation that they did not provide proper notice of the monthly discount termination or provide proper council during service start time. This debt is not due. XXXX is responsible for the balance. XXXX then continued to bill after the XXXX settlement was made.
Product: Mortgage

This account was never 60 days past due. On XXXX XXXX, XXXX, I made XXXX phone calls, the following refers to the first phone call. On that day, I was 22 days past due and trying to schedule a payment to bring the account current. Seterus representative made the following XXXX statements : 1. Partial payment of late fee is required to schedule a payment by phone. 
2. Answering the questions beyond the routing and account numbers of the financial institution is required to schedule a payment by phone. 

According to your letter, dated XXXX XXXX, XXXX, the above XXXX statements are false. XXXX or XXXX? 

About XXXX years ago, having experienced the Seterus solutions, I decided it is better to absorb the late fee than accepting any of the Seterus solutions. Even though, I repeatedly said NO, why Seterus insists and harass with statements such as above, to better understand my financial situation as you stated in your letter dated XXXX XXXX, XXXX?
Product: Credit reporting or other personal consumer reports

In concerns to the following : Department of Education/AidVantag XXXX XXXX XXXX XXXX VA XXXX XXXX {$9100.00}, {$7000.00}, {$8900.00}, {$8400.00} In concerns to the following : Department of Education/AidVantag XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX {$7000.00} , {$9100.00}, {$9000.00}, {$8400.00} XXXX : XXXX XXXX XXXX XXXX TX XXXX : XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX With respect to the United States Corporation under which we operate with full faith in credit. This constitutes an Official Notice in accordance with the Fair Debt Collection Practices Act and the Truth In Lending Act, that I hereby Dispute the debt in the above referenced account. 
It has come to my attention that there may have been some accounting irregularities in this account which have adversely affected me. In reviewing the account it has come to my attention that fraud and/or other violations of public policy may have occurred in the operation of this account, therefore, I will be conducting discovery to determine the true facts in this matter. This constitutes the exhaustion of my administrative remedy, in accordance with the Administrative Procedures Act, as concerns the above referenced matter.

Since XXXX the United States has operated upon the good faith and credit of the American people, not the good faith and credit of the Banking industry. Has it not? The government, including the government sanctioned corporations, institutions and banks, have no authority to create money. Only We the American people can create money. We the American people are the originators of the money and are therefore the Creditors. Are we not? 
When I placed my signature on the Promissory Note, giving value to the Note, I was the originator of the funds and, therefore, the Creditor of the transaction. Am I not?

It has come to my attention that the Promissory Note which I executed is an unregistered security and that it may have been sold, traded or assigned in violation of state statutes. Please provide me with a certified copy, front and back, of the original Promissory Note which I signed and presented to the Bank in this transaction and the lawful authority which authorized the Bank to engage in the sale of an unregistered Security, in this transaction. Your failure to provide me with documentary evidence of the lawful authority shall constitute your stipulation that no lawful authority exists and your tacit confession to the unlawful sale of an unregistered security in violation of state statute.
Product: Money transfer, virtual currency, or money service

I have used Walmart to Walmart many times to send & receive money. I was diagnosed with XXXX XXXX in XX/XX/XXXX, ended up having 6 XXXX, XXXX and XXXX treatments. I was out of work 10 months and accumulated medical bills over {$250000.00}. As a result of my illness all my bills are behind. My aunt was kind enough to send me {$2000.00} XX/XX/XXXX as a loan until I am able to get back on my feet and repay her. She did not hesitate as I had done the same thing for her when she needed a loan. I went to Walmart and gave the customer service rep my ID and ref #. Only to be told at XXXX XXXX the transaction was on hold and my aunt had to call the RIA Money Transfer customer support team number : ( XXXX ) XXXX at the top of the receipt. I called her back and she immediately called They asked her to verify her info, my info, how we were related and why she sent me the money. She answered all their questions and was placed on hold 3 times because she was on her cell phone with me while she spoke to RIA on her home phone. They told her there was fraud and my aunt said there was no fraud because she confirmed she sent the money to me. Needless to say they would not release the money to me but they had no problem taking my aunts money to begin with and she said they never once told her about any fraud when they gave her the receipt with the reference #. Their own website says you can send up to {$2500.00} online and any over this amount to go to Walmart or agent. This company is the worst. Why is that Walmart feels the need to use an international company that they know is ripping off their consumers. They never want to take responsibility even though they are pocketing our money. Please help ... my aunt lost her fianc and daughter 2 months a part and she took care of me when my mother died. I do not want this company to scam her out of her money.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Equifax, This complaint is in relation to a credit account this creditor ( XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Product: Credit reporting or other personal consumer reports

Dear Equifax : To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly?

1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX SC XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX SC XXXX 3. CHARGE OFF ACCOUNT CAN NOT CARRY BALANCE XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. CHARGE OFF ACCOUNT CAN NOT CARRY BALANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. CHARGE OFF ACCOUNT CAN NOT CARRY BALANCE XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

7. Account was closed XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

8. Chargeoff can not report balance XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Chargeoff can not report balance XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this.

XXXX  days should be enough time to get back with me. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported this Mortgage company before under my previous complaint number of XXXX Note resolution was my note holder for second mortgage. Madison management is account management company. 
Managing compay had agreed to lower my monthly payment to {$250.00} and i was paying timely, when Note resolution wanted me to pay {$1100.00} + when they found out XXXX XXXX had lowered my payment. 
Now loan has been modfied and my payments are lowered to {$250.00} Last year, Madison Management - Note resolution have reported negatively to credit buorou, even thou I was paying timely but negotiated amount of {$250.00}.