23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened up a XXXX XXXX  card on XX/XX/2024. I was supposed to get a promotional sign up bonus of XXXX point after meeting the requirement ( spending {$5000.00} within 3 months ). I met the requirement by next billing statement date, XX/XX/2024. I also paid the statement balance of {$5300.00} by XX/XX/2024. 

Bonus miles were supposed to be credited in XXXX week 's after the spending requirement was met, which was XXXXXXXX XXXX for my case. 
I called the customer service so many times and they escalated this to the research department back in XXXX. Everytime I call them they say the same thing over and over, repeating that the research team is investigating but dont have any result and they have no control over the research team. 


Now 18 weeks have passed since I met the requirement and I didnt do anything that would prevent u.s bank from providing me what they were supposed to give. I feel so disappointed and disrespectful with this bank.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to take these actions to protect my credit. 
The accounts in question are as follows : XXXX. XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$6200.00} XXXX. XXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$890.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$770.00} Additionally, I would like to address the inquiry associated with my credit report : XXXX  - XX/XX/XXXX
Product: Mortgage

On XXXX XXXX I sent a payment from my bank to cover the escrow ( property taxes ) on my mortgage to Village Capital & Investment LLC. I sent a check for {$4400.00} the memo said apply to escrow only ( this payment along with what was in the escrow account in XXXX would cover the property taxes ). The payment was applied to the principle which resulted in an escrow shortage. I have called the company numerous times, I have spoken to XXXX, XXXX, XXXX, XXXX and XXXX, none have been able to fix my account. Now we are in XXXX and XXXX told me today that they will fix it by XX/XX/XXXX. 
I have called, and I get nowhere, I have emailed and have recieved no response. 
Additionally, the company incorrectly imputted my property taxes in the amount of {$5100.00} when the property tax bill says {$5000.00}, they have since resolved this inacuracy. However I have been charged a fee of {$60.00} on XXXX when they recieved my payment on XX/XX/XXXX, my payments have been on time and over the minimum payment. 
I sent an additional {$730.00} to cover my escrow for XXXX and XXXX in addition to what the inaccurate charges that were already paid. This payment was also inaccurately applied. 

Back in XXXX I was sent a check for overpayment on the escrow and a new lower payment starting in XXXX, I changed my autopay to keep the payment the same amount thus paying an extra {$400.00} to the principle. Village Capital took out the payment and an additional {$400.00} out of my account. Even though they sent it to me in writing what the new payment would start in XX/XX/XXXX. Then I got another statement that the new payment would start in XXXX of XXXX, I guess to cover their mistake.
Product: Credit reporting, credit repair services, 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.

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. 


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

These inquiries listed below are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX added remarks on my account that state Im a victim of a natural disaster. This information is false. I did not ask for this information to be added nor is it in any way accurate. Also I have an excellent payment history with a {$0.00} balance and the decreased my credit limit by {$1000.00}. Both of these actions have caused my credit score to drop dramatically. Please remove false remarks from my account immediately.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX  XXXX Balance XXXX {$130.00} XXXX XXXX Balance : {$0.00}.
Product: Credit card or prepaid card

I was penalized when I closed my account. I lost {$130.00} in rewards when I paid off my account and closed it because rewards are issued in XXXX. This cash rewards were not issued to me in spite of my good payment history during the use of my card. This is poor business ethics. The company is Citi Costco.
Product: Credit reporting

Dear Sir or Madam : I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
This item is a collection item. The debt that this collection agency is trying to collect on is being collected by the State of New Jersey County of XXXX & XXXX. I have included the court documentation. Please delete the entry in order to correct the information. XXXX & XXXX County is responsible for collecting the debt and they have not requested XXXX XXXX XXXX to collect on their behalf. The State of New Jersey County of XXXX & XXXX is the only collection agency for this debt. I have furnished the same information the XXXX & XXXX but they have refused to remove the entry. I have let the courts know the status of this and they are n't happy and will be doing an investigation on their own. 
Enclosed are copies of payment records and court documents supporting my position. Please reinvestigate this matter and delete the disputed item as soon as possible. This is the second time that I have disputed this entry and it needs to be removed
Product: Debt collection

This complaint involves unlawful third-party contact in an attempt to find a relative. After receiving numerous letters attempting to locate a family member with whom I am no longer in contact, I wrote Navient in XXXX, XXXX and demanded that they stop contact. In XXXX, XXXX, Navient attempted to contact me again on my mobile phone and through the mail. By law, Navient may only contact once and must cease when asked to do so. They have never been authorized by me to call my mobile phone. They have abided by no provision of the law created to protect me. The name of the customer/account holder is XXXX XXXX XXXX ; address XXXX XXXX XXXX XXXX ; XXXX, FL XXXX.
Product: Money transfer, virtual currency, or money service

I had my cell phone stolen while I was using it. Someone grabbed it from me and ran one to make a transfer out of my Chime checking account for {$2500.00} and an apple payment out of chime checking account for {$170.00}. I am mediately notified time when I got home within a few hours to check online to see what had transpired and notified them while the transactions were pending that they were fraudulent they assured me they would not go through but the next day both charges went through. I have filed a dispute and its been denied. I am on the six rebuttal and they have not provided any temporary credit and continue to investigate, the reason for denying the claim is they are unable to verify that it is an unauthorized transaction. I have given them an affidavit by myself of the series of events. I have given them my XXXX XXXX XXXX  phone claim information, the police report, and the FTC identity theft report I filed and they have been less than helpful through this matter which occurred on XX/XX/2023. I understand regulation E and I dont see how they are anywhere near being compliant and i request your help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an XXXX XXXX account from XXXX with account # XXXX that is not mine. There is currently a charged off balance of {$1900.00}. XXXX XXXX can not validate any information on this account. I mailed disputes to the credit bureau on the following dates to have this account deleted : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. The credit bureau continues to respond saying that their reporting is accurate according to XXXX XXXX. This is where my problem starts and is also the reason I am submitting this complaint. On XXXX XXXX, I received a letter from XXXX XXXX requesting that I fill out an " Affidavit of Identity '' to investigate why this account is being reported to my credit. On XXXX XXXX, I signed all the required information and had my affidavit notarized by my local XXXX XXXX in Texas. A couple of days ago, I finally received a response directly from XXXX XXXX telling me that they do not have an application or signed contract that validates this account belongs to me. This is a huge problem. For the past XXXX months, the credit bureau has been telling me the account is being reported accurately to my credit. IF this is true, then why ca n't XXXX XXXX provide me any validation for this account? This suggests to me that the credit bureau is not taking time to process my dispute properly and is taking the least absolute effort to help me find a solution for my issue. I have no knowledge of this XXXX XXXX account and according to the Fair Credit Reporting Act, if information can not be properly validated, it needs to be deleted immediately from my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of human sex trafficking and I could not submit my form online with the credit reporting agency I keep getting an error message making it impossible to correct the adverse items on my credit report.

1022.142 Prohibition on inclusion of adverse information in consumer reporting in cases of human trafficking.

403 ( 3 ) ( B ) ( i ) of the Credit Repair Organizations Act, 15 U.S.C. 1679a ( 3 ) ( B ) ( i ) ), that : ( A ) Identifies any items of adverse information that should not be furnished by a consumer reporting agency because the items resulted from a severe form of trafficking in persons or sex trafficking of which the consumer is a victim ; and ( B ) Must contain a preferred method for a consumer reporting agency to contact the consumer electronically or in writing such as an email address or physical address where mail can be received. A consumer reporting agency shall use only the consumer 's preferred method of contact for communications under paragraphs ( d ), ( e ), and ( f ) of this section about the consumer 's submission and shall not use the consumer 's preferred contact information for any other purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of identity theft through XXXX collection accounts that I have never used. I tried resolving through the companies directly to no avail.
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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 ) sections 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 persom kmows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I kindly request the company to correct my personal information, as evidenced in the attached file, since this affects my credit report, thank you.
Product: Credit card or prepaid card

I have two accounts - personal and business. I have also a credit card from Bank of America. XX/XX/XXXX was the due date of the credit card. I deposited {$110.00} the same day and made {$25.00} dollars payment towards the credit card, later that day. I told an employee of the bank that I deposited {$110.00} and not to charge me any fee. She told me that she could see the amount but she said, '' it is not posted, your are not going to be charged late fees ''. Meanwhile, I transferred {$12.00} or {$11.00} dollars from one account, in case to avoid late fee charges. 
On XX/XX/XXXX, I called credit card unit of the bank and asked the reason of the balance never reducing, in spite of my regular payments. 

A lady told me that my credit card balance is not reduced, because, '' first, there is a late fee, second, out of $ XXXX monthly payment, {$10.00} is interest charge and the rest {$15.00} reduces the card balance. '' My argument is this : The bank confirmed that there was a deposited check of, {$110.00} that day, on XX/XX/XXXX, but added a late fee. The reason was the bank did not post the depot, the same day, and I was charged {$25.00} dollars late fee. I think, it is unfair and unreasonable to penalize the customer for its own short fall, not posting the deposit. 
I am writing this, it is not because of {$25.00} dollars significance but, to bring to the surface the absence of fairness and good business practice.
Product: Credit card

Discover card offers a price protection guarantee for items purchased using the card whose price drops within 90 days of purchase. I purchased a number of iPads that later dropped in price, but the company to whom Discover outscources their claims service, XXXX, refuses to pay out on the claim. The reason cited is that there is an exclusion for paying on no more than XXXX of any identical item. I purchased XXXX iPad mini 4 XXXX in Space Gray, and XXXX iPad mini 4 XXXX in Gold, and I have been told that only XXXX of these qualify ; the terms exclude size or color in the determination. However, in looking at DIscover 's terms and conditions listed on their website, I was only able to find the following sentence : " Coverage is limited to XXXX of an identical item with a limit of XXXX refund per eligible item. '' Nothing about color or size. The XXXX different types of items have different model numbers, are discounted independently from oneanother ( there was a sale at staples where silver iPad mini 4 XXXX were not discounted but the other colors were ). By any reasonable reading of that sentence, one would conclude the items are not identical.
Product: Credit reporting

In early XX/XX/XXXX I learned that there were questionable entries on my credit report after requesting a loan. At that time I requested my free annual credit report from all three bureaus by calling XXXX. In XX/XX/XXXX I received a report from XXXX, but not the others. On XX/XX/XXXX I again called the XXXX number to request my free annual credit report and did not receive them. On XX/XX/XXXX I called for the XXXX time requesting my free annual reports and as of today, XX/XX/XXXX I have not recieved a single free credit report.
Product: Credit reporting or other personal consumer reports

I keep disputong the same problem. I told them multiple times where i live and gave proof. Cause of ot my credit scores have been going down. Im consodering looking foran attorney
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. I am including those aforementioned items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I deposited a check that was an employment fraud, the company from where the check came from had their bank and detective alert all banks nationwide corporate to small banks to turn the check away and not deposit the money and call authorities. Wells Fargo is refusing to dispute it or refund me the money, the branch I went to is also refusing knowing there was an alert and not to deposit the check and call authorities. I am at negative XXXX balance which they say I have to pay, I do not agree when they should have worked more diligently and caught it was a scam before I was turned into the victim. they should have seen the alert or read it before even depositing the check which they never should have done. I was told by the detective and the company name on the check and their bank, Wells Fargo received that alert and they should dispute it and refund me immediately, which Wells Fargo again is refusing to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On    XXXX   XXXX   , 2017   XXXX   XXXX   XXXX   in  XXXX  GA submitted requests to multiple lenders who pulled my credit report. This created multiple Hard Inquires on my credit report driving my score down even further.
I did not provide written nor verbal authorization for my credit to be investigated, in fact I was in NY at the time. My wife was shopping for a car at the time but she did not/can not authorization of my credit.
I would like the dealer 's credit practices reviewed for compliance to FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Mortgage

Second Complaint in response to a letter from US Bank regarding prior complaint. 

Having ongoing issues paying my mortgage to US Bank. US Bank has and is taking money from my mortgage payments for fees. I further suspect that the additional principle reduction amounts included in my mortgage payments are not being process at time of receipt. US Bank unfairly collected late fees, numerous times, when I mailed the payment to the location designated in the note or on the payment coupon, and US Bank received this payment within the prescribed allotted time period allowed on the loan documents to avoid a late fee. US Bank blamed the Post Office or justified their late fees due to the Post Office delays. I had to produce numerous Post Office Tracking ( priority mail ) slips to prove that US Bank did in fact receive my payments within the agreed to time, in my loan documents at the designated location given by US Bank. US Bank went as far as stating that there was a lag time of 3 to 4 days that US Bank needs for processing mortgage payments. I expressed that nowhere in the loan documents did it make mention to this and that I was responsible for this processing time. Which in effects reduces the allotted time, afforded to me, to pay my mortgage by 3 to 4 days, because of US Bank need to process the receipt of the Mortgage payment? It was suggested by customer service to just go to a local branch and pay the mortgage there, instead of mailing it to the designated location on the coupon. To take the blame away from the post office. I succumbed to this demand. 

Doing this for about one year and just recently US Bank decided to issue this mortgage statement on the XXXX of the month, rather than after receipt of my mortgage payment. What this has allowed US Bank is not to report my mortgage payment for the month ( if received after the XXXX ) or breaking down my mortgage payment ( when it was received ) showing me what the mortgage payment went towards. In other words they will be able to collect fees without me being aware of them. So now if they receive their mortgage payment on the XXXX my statement will show total amount due of two months, which is incorrect, if the payment was received within the agreed to time frame of the loan documents. This is improper reporting and is being used to pressure me in making payments in an unagreed to time frame. What US Bank is doing is attempting to collect additional fees, unjustifiable by first blaming the US Post office, then by stating there is a 3-4 day processing time and now by failure to fairly showing the breakdown of what the mortgage payment went towards when they receive my mortgage payment. I know for a fact that other mortgages are being processed as before and it appears that running a mortgage statement before the end of allotted time frame is unique to my mortgage. My understanding is that this is either a XXXX XXXX loan or was given using their guidelines and thus the servicing should be held to XXXX XXXX standards. Or at a minimum to Fair lending practices.