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

On XX/XX/2023, I applied for the Chase Marriott Bonvoy Boundless credit card through a link on Marriotts website that redirected to a Chase webpage. This webpage offered a {$250.00} Marriott Bonvoy eGiftCard delivered to your email upon approval for the credit card. I did not receive this gift card after I was approved. I called Chases phone number, XXXX ( XXXX ) XXXX at XXXX XXXX  on XX/XX/2023 and spoke to a rep called XXXX ( I asked for a last name and she replied that she is not required to provide that information, nor an Employee ID ) for 33 minutes. She told me that she did not know why but I was not eligible for the gift card offer. I read her the Terms and Conditions of the offer, for which I meet all conditions. Then she told me that because I did not apply for the credit card over the phone, I was not eligible for the offer. This was not mentioned in the Terms and Conditions of the offer, of which I reminded her. Then she said because I had not applied through a targeted link from a search engine or email, I was not eligible for the promotional offer. This was not mentioned in the Terms and Conditions of the offer, of which I reminded her. Then, when I connected her with the front desk manager of the Marriott at which I had just checked in and was planning to use the gift card, she said that I was not eligible for elite pricing due to rejection by the credit bureau for my credit score. I asked her what credit score is required as that was not mentioned in the Terms and Conditions of the offer and she said that she doesnt know and that I will have to contact XXXX. At the time, my XXXX credit score was XXXX, which they consider Very Good. She then claimed that I would have received a letter in my credit card Welcome Kit informing me of the rejection. I received no such letter and I told her so. She insisted that I did receive one but regardless the only way to possibly receive the gift card was to open a case with Chase but that it was unlikely to be approved. I asked her to do so and she claimed she would but I heard no typing and she gave me no written confirmation. Sara gave conflicting information and refused to connect me to someone who did understand or was willing to find out what happened with my gift card, but the Terms and Conditions were very clear. They did not stipulate phone application requirements, targeted link requirements or credit score requirements. They simply stated that I would receive a {$250.00} Marriott Bonvoy eGiftCard upon approval of the Chase Marriott Bonvoy Boundless credit card, for which I was approved. I am entitled to a {$250.00} Marriott Bonvoy eGiftCard.
Product: Mortgage

I have a reverse mortgage with RMS, Reverse Mortgage Solutions, with many addresses, two of which are printed on the monthly statement ( foot of statement address : RMS, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, XXXX ). 
On the XX/XX/XXXX statement ( see attached file ) the finance charge was {$170.00} and the XX/XX/XXXX statement ( see attached file ) finance charge was XXXX, an increase of {$41.00} in interest within 10 months.
Product: Mortgage

Bank of Ametica knew, or should have known, the XX/XX/XXXX Modified Deed of Trust was defective and, therefore, void and voidable. Bank of America failed to tell me of the circumstances surrounding the modification and the resulting Deed of Trust. Bank of America continued to accept monthly installment payments from me while failing to correct or otherwise mitigate the defective XX/XX/XXXX modification including, but not limited to, offering a subsequent modification and informing me of the defects associated with the XX/XX/XXXX modification process and Deed of Trust. The first default occurred in XX/XX/XXXX. I have not made a monthly installment under the terms of the XX/XX/XXXX Deed of Trust since XX/XX/XXXX which resulted in the first default on this account and mortgage. 
Furthermore, I have been granted a modification in XX/XX/XXXX. However, Bank of America failed to inform me of this to date and have never offered any modification based on the XX/XX/XXXX Appeals Report granting of a MHA HAMP TPP on appeal. I have never reapplied or applied for any modification since being granted MHA HAMP and directed to be placed in a MHA HAMP TPP, but Bank of America insists on making such misrepresentations to me and others just to mislead and deceive in support of their intention to wrongly and unlawfully separate me from my home and property through an improper nonjudicial foreclosure and foreclosure sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person
Product: Credit reporting or other personal consumer reports

COMENITY BANKXXXX FRAUD DEPARTMENT XX/XX/XXXX This is my XXXX attempt to dispute an account on my credit report that is the result of IDENTITY THEFT. 
I have summited all the required documents including : XXXX ) POLICEREPORT XXXX ) IDENTITYTHEFTREPORT XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) OTHERDOCUMENTS It is an impossibility that I had been able to open a credit card let alone buy a car when I was in XXXX XXXX and then a XXXXXXXX XXXX and XXXX XXXX living in XXXX XXXX XXXX XXXX XXXX 
My brother XXXX XXXX was living in XXXX XXXX and had access to my information since the day of my arrest and all during my XXXX XXXX XXXX XXXX XXXX XXXX He has admitted having stolen and used my identity and he is now on the run with a warrant for his arrest. 
There is NO way, no possibility that I could have access to getting credit, or even a regular phone while I was at the XXXX XXXX XXXX in XXXX, or XXXX XXXX and even while I was at the XXXX XXXX or XXXX XXXX without having to go through my XXXX XXXX. 
The account that remains on my credit report that is NOT my accounts and is the result of IDENTITY THEFT is : COMENITY BANKXXXX opened XXXX XX/XX/XXXX, while I was under XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My credit monitoring services alerted me of a change to my score, upon checking the alerts I found Torres Credit Services claiming I have a {$24.00} balance that is charge off / collection status. I have absolutely no clue what this company is talking about because I tried multiple time contact this agency but no body respond. I does not have any debit of these amount. I had a debit of {$21.00} dollar with with a Real state who name its XXXX XXXX but I already paid ( I has proof from my check account ) From XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE TORRES CREDIT SRV XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Collection {$24.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : {$7300.00} - This is saying that the last activity was XX/XX/XXXX, when in XX/XX/XXXX I was 30 days late and they keep reporting like it's an active account as late when it's supposed to be a collection. 

XX/XX/XXXX : {$7300.00} - This looks like a double of the XX/XX/XXXX, the same exact amount and showing last activity as XX/XX/XXXX when it shouldn't because it's showing 30 days late in XX/XX/XXXX and it should be filed as a collection. 

XX/XX/XXXX : {$3400.00} - This is showing 30 days late in XX/XX/XXXX, but they are reporting as late payments and not reporting as a collection. Should this still be on my credit report? 

XX/XX/XXXX : {$2400.00} - This is showing 30 days late in XX/XX/XXXX, but they are reporting as late payments and not reporting as a collection. Should this still be on my credit report?
Product: Credit reporting or other personal consumer reports

This account contains inaccurate information which violates the FCRA. The dates closed on my XXXX and Transunion credit reports are different and do not match, and dates of last activity are inaccurate. On XXXX, the date closed is XXXX XXXX, XXXX, on Transunion the date closed is XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my Affidavits in a month ago on XX/XX/2023 along with my police report stating that the accounts on my report was Fraudulent and Nothing was Removed and According to Section 623 A 6 its Against the Law to Report Fraudulent information after being informed that it was Fraudulent. The Representative on the Phone told me that they Have Received my Paperwork so Basically it All was Ignored. All the other Credit Reporting Agencies have Deleted All of These Accounts from my Reports so I Don't understand why Transunion is giving me such a Hard Time removing Fraudulent Accounts from my Report. I also was Charged {$32.00} to see my Credit Report that is Suppose to be Free.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent out a letter to XXXX, XXXX and Transunion in regard to XXXX ( XXXX ) incorect creditors on my credit file ( XXXX ). 

this was my XXXX time requesting the information from the credit bureaus with no real/legit investigation given from the credit bureau ( s ). My third and final letters before escalation was sent out USPS Certified mail, The following are receipt numbers for the certiied letters sent out : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Each certiied letter contained the incorect creditor/file that needs to b removed from my credit file due to the items being incorrect and not belonging to me. As a consumer and by law uner FCRA the furnishing companies ( XXXX, transunion, XXXX ) has a legal obligation to furnish information that is 100 % accurate annd true, in which they are not and have not an being that this is my XXXX attemot to get these items remove I know that they only have 15 days to do so. The allocatd time has passed and they have not uphl their duties resulting in " Unfair business Practice '' also " unethical Business '' Under FCRA 15 U.S. Coe 1681 ( b ) ( 2 ) Consumer Address must be updated and reported correctly. The only and correct address that should be reporting on all of my credit files should be as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have sent in proof ( utility and ID with correct address and requested the removal of incorrect addresses, My creit file as of today still has NOT been corrected. 

XXXX, XXXX and Transunion have all violated my consumer rights under Codes : 15 U.S. Code 1692 15 U.S. Code 1666 ( b ) 15 U.S. Code 1601 these issues are damaging my livelihood and my ability to obtain credit tremendously!
Product: Credit card

I used my TD Bank credit card to purchase XXXX baseball jerseys. After receiving the first one, I realize that the website was a scam and they were not authentic as the website indicated. Additionally, the website would n't give me an address to return the item. I spent several hours arguing the issue with TD Bank and requested a refund through the dispute office. They claimed that I did not submit enough information even though I feel like I did. Also, TD Bank is now saying that they ca n't refund me because it has been too long since the purchase even though I notified them of the issue the day that I received the jerseys. The website that I made the purchase from has since been identified as one selling counterfeit items : XXXX I believe that TD Bank did a very poor job in representing me.
Product: Student loan

due to the improper linking of your information and ask CFPB to investigate and take appropriate action.
Product: Payday loan, title loan, personal loan, or advance loan

I believe the practices are deceptive and they prey on individuals with bad credit. They gave me a line of credit of XXXX and the amount keeps growing because they are deducting from my account on a biweekly basis. I guess it is my fault for being so desperate and not really paying attention but I thought my payments were monthly. For example my balance is growing day by day and my payments are XXXX biweekly and my balance is getting higher and higher everyday if I only make the minimum payment. They make it impossible to pay off this line of credit by making payments. After I realized how high I was paying I did pay it off but just had emergencies come up where I had to use it. I was attempting to try and pay it off but just had a XXXX car repair which will not allow me to pay it off and I believe these payments are going to cause great financial strain. I called the company and all they offered was to skip a payment and add it to the next payment which would just make it worse. Please look into this company and their lending practices.
Product: Prepaid card

I have been trying to use an American Express gift card online and haven't been able to. I attempted to use the card on XXXX, and my purchase was declined. AmEx says that the card can't be used at retailers that don't require the card security number to be entered. 

I tried another retailer that does require the security code ( XXXX  ) and the purchase was again declined. I do most of my shopping online, including groceries, so I am not able to use the gift card in my current regular day-to-day business. 

I did use it in person in 2021 for a small purchase. The initial balance was {$100.00}, and the card has {$91.00} remaining. I have verified the balance with AmEx.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT - IT IS A NEW MATTER FOR A DIFFERENT YEAR THAN PREVIOUSLY SUBMITTED. PLEASE READ THE COMPLAINT CAREFULLY. 

I submitted the following complaint " On my Experian & XXXX reports for the XXXX XXXX XXXX   XXXX ending in XXXX for orig amt {$8500.00}, 90 day late is being reported for XX/XX/XXXX, but the loan, along with all of my other loans with them, was paid in full through consolidation on XXXX XXXX, XXXX. Late payment being reported is after date loan was paid in full. Please remove late payment for time period nothing was owed because you were already paid off. '' XXXX closed out stating they did not have to investigate because it was substantially similar to previous complaints that had already been investigated. 

This complaint is NOT similar to other complaints previously submitted. If you read the complaint, it is referencing a late payment you are reporting in XXXX. The previous complaints are for XXXX and were regarding a different dispute entirely that was in re to a forbearance and whether the backdating of the forbearance should result in the XX/XX/XXXX late payments being removed. This is in re to You were paid off in XXXX and now are reporting a late payment in XXXX. The late payment in XXXX needs to be investigated and removed because it is after the loan was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 10 POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance - Balance updated - Original balance {$34000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XXXX CO XXXX XXXX CO XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX LEGEND Status Paid, Closed. {$37000.00} written off. 
Status updated XX/XX/XXXX XXXX balance {$34000.00} Monthly payment - Last payment date XX/XX/XXXX 2023
Product: Mortgage

In XX/XX/XXXX I was told by my mortgage company, Sierra Pacific Mortgage, that we had to pay our full year property tax payment because we had been approved for a partial release of land that was under the mortgage. My escrow would not pay the taxes until they received a new tax bill showing the released land. I was told to send the receipt in prior to XXXX ( two months from my yearly scheduled escrow analysis in XXXX ) I emailed the receipt the end of XX/XX/XXXX. I called a few weeks later and found out the receipt had been coded as a bill, but the problem would be fixed and my request to re-analyze my escrow would still occur. I called again around XX/XX/XXXX and was told that they would expedite my request since it was almost XXXX. I called again the first part of XXXX and was told that expedited request was cancelled shortly after it was opened and now I could not get a refund from the escrow until XXXX. After further speaking with the customer service representative, she said she was able to open another request and I would get my check by XX/XX/XXXX. I called around XX/XX/XXXX and was told that work order was denied, but I could send the receipt in again to the research dept. to request the overage of my account me paid. I called on XX/XX/XXXX and was told that request had been entered as a tax bill and it was too late to have my refund issued. I was told I needed to wait until XXXX. Federal law states that a company needs to pay the overage of an escrow within 30 days being notified. I tried everything I could to get paid that overage in a timely manner. Sierra Pacific Mortgage intentionally delayed my request in order to hold the funds. I believe there is grounds to show this is a common practice. It's not reasonable to have so many people in one company cause this sort of delay and to blatantly hinder a simple request.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account fell past due & went into collections ; however, I paid the account current and have continued making on-time payments since because I do still owe to payoff the loan. The payments are not late now, but I keep being told that until my account is paid off, then it will remain in collections even though Im current and paying. Ive contacted my local branch, filed a dispute on my credit with them, and also contacted their customer relations and got nowhere. I need help with this. I am trying to turn my credit report around and buy a home and this account shouldnt be in collections when Im paying and current.
Product: Debt collection

XXXX XXXX XXXX appeared on my credit report. I contacted the company several times to explain that the debt does not belongs to me and to please remove. I attempted to call XXXX to ask them to remove the debt because it was not my debt as well but I was told that they can not remove a debt that I must go through the company. I have exhausted all options to resolve this unauthorize debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

If XXXX, XXXX and transunion continues to ignore every dispute letter I send out I will have to take legal action against all three bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out multiple times in reference to this account. The card was secured with a XXXX deposit, with only XXXX dollars used in credit. The account was closed with no reason given. I never asked for the account to be closed and inadequate reasons were given. My remainder money was kept and never sent back to me.
Product: Credit reporting or other personal consumer reports

FTC : Complaint attached, I, XXXX XXXX, do hereby state that the following information is true. 

Several creditors and items are being reported on my credit report that I have no knowledge of and believe should be removed. I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) and FTC/ IdentityTheft complaint # XXXXBelow are the specific accounts and inquiries in question : Accounts to be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Additional Requests : - I need the block on my online access removed. 

Additional Accounts : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Thank you for your prompt attention to this matter. 

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

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code & 1681a - Definitions ; rules of construction - Exclusions.Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 912 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is in dishonor at this point, reporting false information on my consumer reports.
Product: Checking or savings account

After depositing a check with different name that account owner name ( my own account ), Chase closed the account and is holding the fundings from the check. The check is already cashed and sitting in the account. Chase is refused to return the funds to the origin bank, XXXX XXXX XXXX or releasing it to account owner. The check was issued by XXXX XXXX and they had a wrong name on the account. XXXX 's wants to issue another check with the correct name ; however, they will need fundings from their first check back first. I do have all documents including receipts for this transaction with XXXX XXXX. Chase is acting as if they own these funds and will not release it to account owner nor send beck to XXXX XXXX XXXXXXXX which issued and cleared the check.
Product: Mortgage

Unfair and deceptive advertising by a loan officer with Quicken Loans advertising a free loan