23daVinci/CFPB_Complaints huggingface dataset:
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 XXXXXXXX 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 card or prepaid card

I opened a Belk Dept. Store account in XX/XX/XXXX. I used the account one time in XX/XX/XXXX ( {$66.00} ) and paid the bill when received. I used the account again in XX/XX/XXXX( {$85.00} ) and never received a bill ( s ). My husband and I have a joint checking account and he pays all bills in our home. Neither he, nor I, thought about NOT receiving a bill from Belk. 

Fast forward to XX/XX/XXXX. I applied for XXXX 's credit card, and was denied. I have never been denied credit before and was a bit surprised, but just assumed that I when I was pushing the buttons on the screen, I made a mistake in the numbers I pushed for my income. Then on XX/XX/XXXX, I received a letter from XXXX XXXX XX/XX/XXXX explaining the decision for not issuing a credit card was based on a charge-off in the last 12 months that was noted on my credit report by XX/XX/XXXX. 

I had no understanding of what a charge-off meant and I had never requested a copy of my credit report and decided now was the time to look into the matter. 

I was so surprised to see the Belk charge ( s ) of over a year ago. A charge of {$85.00} went to {$340.00} with late fees.

I called the number on the Belk web page and was put through to Synchrony Bank. After many trials, I eventually learned that the bills had been sent to a former address and due to my nonpayment, my account was sold and I should contact the new owner of my account. 

I went to the nearest Belk store and talked with an assistant manager and she tried helping, but once again I was routed to Synchrony Bank and was given the same message.

I always pay bills when received, as my credit report shows. My concern is that a bill from Synchrony Bank never arrived at my house and I was never notified by Synchrony Bank that my credit score was going to be compromised.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. I was informed that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but have also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit card or prepaid card

I received a letter dated  XXXX   XXXX ,  2017 st ating that my chase amazon credit card account was being closed " on  XXXX   XXXX ,    2017 beca use continuing the relationship creates possible reputational risk to our company. '' The letter did n't elaborate in any detail on the reason. I called the number on the back of the credit card (  XXXX  ) and they would not elaborate, only repeating the phrase " at this time we chose to end our relationship with you. '' I asked specifically whether this wa s for racial or re latiatory reasons ( I 'm currently suing a former lawyer and was threatened by him when I refused to take down an online review of him ) and they would not confirm that these were not the reasons. I asked them several times to rule out those specific reasons while I was trying to figure out why I was being dropped, but they refused to elaborate or inquire with their supervisors for more details. I am in good credit standing as far as I know, and I have paid all my bills on time in full. Please inquire as to why they are discontinuing my account with only a months notice.
Product: Credit card or prepaid card

I did an online balance transfer for {$3900.00} with a zero percent promotional interest rate which posted to my account on XX/XX/XXXX. I received an email confirmation that the balance transfer was initiated, but it had no details about the transaction. Nowhere in my online account with the company and nowhere on my statements was there any information regarding the terms of the balance transfer, so I lost track of how long the zero percent interest rate was valid for. I believed the term was 18 months, which matched the paper offers I had been getting in the mail. On my XX/XX/XXXX statement, I was charged {$67.00} interest on a balance of {$4800.00}. 

I called the company and spoke with a customer service person, who was unable to assist and passed me on to a supervisor. He researched their system and advised me that at the time of XX/XX/XXXX, the promotional interest rate offers were only good for a 12 month period. This should have triggered interest to start accruing on my XX/XX/XXXX statement. He could not offer an explanation of why there was a 2-month delay for the interest to begin.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS THE 3RD TIME I HAVE HAD TO COMPLAIN ABOUT THIS ISSUE OF FRAUD ON MY CREDIT FILE!! MY NAME IS XXXX XXXX  XXXX MY DOB XXXX MY SS # XXXX THERE IS SEVERAL FRAUDULENT ADDRESSES ON MY FILE PLEASE REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX I was going to buy a car and I pulled up my Trans Union, XXXX  and XXXX   credit report XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION XXXX XXXX Fraud Student Loans that were not open by me nor did I give anyone permission to use my name to take out a loan. I found addresses that do not belong to me as well on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$1800.00}, XXXX XXXX XXXX XX/XX/XXXX {$1200.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$13000.00}. Inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

I had opened a PREMIER CHECKING account with Bank of the West under the " 2017 Summer Digital Checking Offer II ''  promotion. The promotion entailed a {$300.00} bonus credit upon keeping an average {$25000.00} balance in the account for 2 months. I had called the customer service line a couple times throughout the months to make sure I am still on track for receiving the bonus, and was assured that I am still on track. However, after 3 months of keeping the {$25000.00} balance, I still didn't receive anything, and was told that I somehow did not qualify for the bonus despite having kept the balance. Now, I have been hit with {$80.00} in fees as well, and the Sr.  Relationship Banker at my local branch is refusing to refund the fees or look further into the issue, stating that the account was opened online so there is nothing he can do.
Product: Student loan

I completed all XXXX qualifying payments for Public Service Loan Forgiveness as described on the Student Aide site as well as on the XXXX site. XXXX payments qualified, my last ( XXXX ) payment was marked as ineligible due to being in forbearance. I provided proof of a XX/XX/XXXX payment and a statement from XXXX that said I was being placed in forbearance on XX/XX/XXXX. I was not in forbearance when I made the qualifying XXXX payment. Student Aid and XXXX reviewed the provided documents and agreed. No one fixed anything or gave me credit for the XXXX payment. They just placed the blame on each other. I submitted a complaint to Student Aid- did not hear back and talked with the Resolution Team at XXXX. The Resolution team corrected the XXXX payment by removing the forbearance for XXXX. The information was updated in the XXXX XXXX XXXX XXXXXXXX XXXX 
Now, someone " needs to review that month for qualifying status '' though no one I spoke to knew who! So this mistake that was made last XXXX with my final payment for loan forgiveness continues to just sit unresolved with no one doing anything. XXXX. They have documentation, the XXXX is updated. Student Aid continues to be unhelpful and disorganized. XXXX is almost impossible to contact by phone. The two of them are not working together to take care of the public servants that took up the loan forgiveness program. I earned this forgiveness and should be enjoying and celebrating my hard work not on the phone for hours every week trying to talk to someone who can help me.
Product: Vehicle loan or lease

Vehicle was totaled XX/XX/22 payoff was sent but during the process they added late fees while they held the check for 3 weeks. American Credit Acceptance then agreed to waive XXXX fee but have not even though they have several notes confirming that they will waive. Now it has been 3 months and it is still showing open and balance owed on all 3 credit reports. Just spoke to XXXX ( a member of management ) and was advised that the fee shows waived in one system but not another and he would have to contact the credit dept to escalate meanwhile this will be the 4th month that they have reported this loan as open and late to all 3 credit company 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i saw some inquires on my credit report i have not given any of these banks or companies my written or verbal permission to pull or check my credit consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Mortgage

My complaint selene finance refuses to put me on a repayment plan or loan modification I had got a letter prior saying that they got my information and that I had to remove the security freeze off my XXXX report and then I got another letter dated XX/XX/23 stating that my loan modification was denied because they didn't receive all the required documents I think they made any error here the person that denied me was XXXX XXXX he did this on purpose and act like he didn't receive the documents I have copies of both letters saying that they received everything and to remove security freeze. They mislead me. I'm requesting a appeal and to reconsider and new point of contact I don't have time for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have CLOSED accounts at XXXX XXXX which are disputed and affected by a natural or declared natural disaster. The FCRA and XXXX XXXX protocols require reporting my CLOSED accounts as ( 1 ) disputed and ( 2 ) affected by natural or declared disaster. However, my Experian, XXXX and XXXX credit reports fail to accurately reflect that my accounts as disputed AND affected by a natural or declared disaster. Therefore, my credit reports are inaccurate and not complete for failure to contain the mandatory information. Either delete all my XXXX XXXX accounts or include the statutory reference that my accounts are both disputed by consumer AND affected by a natural or declared disaster.
Product: Debt collection

We've never recieved any written notice of any debt owed, by any company OR this Debt Collector stating what is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute With Equifax, XXXX, and XXXX. XXXX removed within 12 hours, XXXX removed after 2 days. Equifax has notified me by E-mail that my dispute has been resolved, but will not grant me access to my report. How is it that I was able to access my report to file the dispute, but not to view after completion of the dispute? If incorrect information is in my report it would be impossible to answer the security questions to their satisfaction. I had this issue with Equifax refusal the provide my report a few years ago and they only relented after threatening them with reporting their flagrant violations of the FCRA. It seems they do not want to provide free reports to anyone .... but if you pay for it they provide it with no delay!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has intentionally refused to remove the late payment I called about as soon as I knew. I even expressed that I had XXXX XXXX and was told it would not be reported to my credit report per the COVID 19 Cares Act. XXXX XXXX XXXX WENT SO FAR AS TO USE THEIR LIE TO PREVENT GETTING A HOME EQUITY LOAN WITH XXXX BECASE OF THEIR DELINQUENT DEROGATORY REMARKS ON MY CREDIT.
Product: Money transfer, virtual currency, or money service

I tried to transfer XXXX XXXX  yesterday evening through Remitly using their express option, and was promised the transfer would go through by XXXX PDT on XX/XX/XXXX. It did not go through yet as of XXXX the next day XX/XX/XXXX where we are in XXXX XXXX This is actually the 6th time this has happened using this service. I reached out to support and had to wait 30 mins for an online chat, and was connected to 2 different reps because they kept disconnecting. I finally called and got connected to someone who's phone service was so bad I could barely hear a word they were saying. They told me the issue is with the bank 's side but at this point we have used both XXXX and XXXX as the receiving account, the latter of which is not even an actual bank it is an instant service, and had this issue regardless. I just spoke with the 3rd Remitly rep and I could barely hear him over the phone but he said there is nothing they can do, we just have to wait until MONDAY. We are stranded with no money the entire weekend and no way to pay our rent. I asked if they could just refund the money, and they told me it would take 10 business days so it would be better to just wait. At this point the money is just in limbo and I don't know if I will ever receive it. I will never use this service again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a police report and disputed this account JPMCB card services Acct # XXXX with XXXX XXXX and XXXX. I also filed a fraud dispute with JPMCB card services and they are still reporting inaccurate information on my credit report. The above account does not belong to me. I do not deserve this negative account reporting on my credit file from the above agencies.
Product: Checking or savings account

On XXXX XXXX my account was charged off due to a negative balance, on XX/XX/XXXX, I received a letter from a collection agency stating that my account has been placed with XXXX XXXX XXXX XXXX collection agency for collections from TD bank. On XX/XX/XXXX, th a direct deposit from a previous job came to the account. On XX/XX/XXXX the account was approved for credits only by ACH, and on the XXXX of XXXX a notice was placed with the credit agency that the account was cleared up. I did not approve any credits only on this account, onced it was closed and placed with the collection agency I no longer had any affiliations with TD. Also TD Bank are making all these actions against a closed account however they have not notifed me in writting of any of these transactions they took upon themselves to do. I just want my XXXX from this closed account.
Product: Credit card or prepaid card

I ordered an XXXX Credit Card because it was ADVERTISED as a credit card that would have access to the ultimate rewards center - for travel specifically. 

https : //creditcards.chase.comXXXX XXXX  : " 5 % Cash Back- on travel purchased over the phone through the Chase Travel Center , including flights, hotels and more. '' Since using the card for over two months, I have not been able to access the rewards center to access travel deals. I have attempted to access the center for at least one month. And the center is unavailable on every browser and device. On mobile and computer, there isn't even a " travel '' button in the rewards section of the account through Chase.com. 

With each attempt, I am given an error message that I either have to call customer service or the site is down. This has happened 100 % of the time. This is even with customer service support via phone. I also was not able to use the chat function online on mobile or computer to send messages for this issue- completely ignoring the challenge that I am facing. 

I have not received additional support for this issue and it is clear that Chase will not honor its promotions to its customers for this product. 

https : //www.chase.comXXXX Upon attempting to sign in to the travel center today ( XX/XX/23 ) using the link above, I was given this banner message : " You need a Chase Ultimate Rewards credit card/ You need a Chase Ultimate Rewards credit card to book through Chase Travel. '' This is concrete proof of false advertising. Shared information about the credit card are also given by review sites who reviewed the card XXXX XXXX XXXX XXXX
Product: Debt collection

I have continuously received calls from XXXX, which appears to belong to Midland Credit Management. They do not leave any voicemails indicating the reason that they are reaching out, but have tried to contact me from various phone numbers in the past. I do not have any past due balances on any of my accounts, so there's no reason that they should be attempting to reach me from various numbers.
Product: Debt collection

Please see attached and provide the information listed below : 1 ) An explanation of what this alleged account balance is for. 
2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt. 
4 ) The Agreement that grants you authority to collect on this alleged debt. 

Compliance with the request is required under both federal and state law.
Product: Debt collection

A representative named XXXX XXXX from Intake Department called me at approximately XXXX saying that they are in possession of a debt CPM XXXX from XXXX from XXXX 2007 in the amount of {$300.00}. He said that I am being named in a Civil Lawsuit as the Respondent pending a lawsuit of up to {$15000.00}. XXXX XXXX never indicated that the call was being recorded nor they were a debt collector trying to collect a debt. I was asking for verification information because I do n't recognize the debt and it 's ten years old. He said he will tell the client that I am refusing to pay the debt, he never offered to send me a copy of the debt either by mail or email. He was rude and angry he also over talked me and then hung up the phone in my face. He never offered to send me a confirmation letter of the debt. He called my estranged husband with the same threats and we are separated.
Product: Credit reporting or other personal consumer reports

These inquiries are unauthorized inquiries on my credit report that i would like to remove. 

I am a victim of identity theft. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX My previous address needs to be removed from my credit report.
Product: Checking or savings account

I opened Citi Priority Account Package around XX/XX/XXXX, which will give me {$700.00} bonus if I leave $ XXXX there for 60 days. It has been 5 months, but I still didn't receive my {$700.00} bonus. 
I put {$50000.00} in my saving and checking accounts since the day I opened the account, they promised me I'll get {$700.00} as long as $ XXXX is there for 60 days. I asked them why they didn't give my bonus after 60 days, they told me to wait patiently and the bonus will be in my account within 3 months. But I still didn't get that after 3 months. That's why I file this complaint. This is their official link for the bonus XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Hello, I opened a new Citi Bank Strata Premier credit card, and travelled with it and used it in XXXX XXXX. When I received my first statement, and under the rewards section, where they count and multiply the rewards points I noticed that under the Restaurant category there were no rewards, even though I used the card and spent money on restaurants, and the transactions listed in the statement, but the bank misleading customers and do not count them as Restaurants transactions. 
I called the bank on XX/XX/XXXX and talked to a supervisor with the name XXXX from the XXXX, and the answer he gave that these transactions the bank categorise them as Catering.

Example of transactions in the statement : XX/XX/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  I have 5 other credit cards, and never encountered with something like that!

The bank mislead and manipulate customers to save money. 
I have never heard that XXXX stopped becoming a restaurant and just doing catering, and on the other I never understood when the restaurant introduced itself a restaurant as in the case of the transaction XXXX XXXX XXXX XXXX and in the transaction itself stating RESTAURANT, and the bank insisted to put it under catering.

I have the feeling this Citi bank is coming from other planet ( Maybe Mars ) and never saw XXXX or understood the word restaurant when it is printed black on white in the statement!

Regards
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credt report and noticed I had fradulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Credit reporting

For the past 2 years I have tried contacting both XXXX XXXX XXXX and XXXX notifying them that they are both reporting the same mortgage delinquent. I am currently in litigation with the parties and feel this is their attempt to be spiteful. I have submitted disputes through Equifax and the continue to report that my information is correct and that I have XXXX delinquent accounts. I can no longer dispute the item any more and is destroying my credit score.