23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Chase advertise on their website some " Chase offers '', to " Add deals to your card, shop and get cash back. It's that easy. '' I added one of these offers to my Chase Credit Card : 20 % off when buying directly from XXXX by XX/XX/XXXX ( see attachment ). 

I bought a {$100.00} XXXX XXXX directly from XXXX on XX/XX/XXXX, 2 days before the expiration date for the offer ( see attachement ). 

XXXX posted the charge on my account when they shipped the product on XX/XX/XXXX ( see attachment ) and I never received the 20 % credit as advertised by Chase. 

I called the credit card customer service XXXX number on XX/XX/XXXX, and I was told that they did not have access to expired offer and that I would have to contact Chase directly by secure message on Chase.com. I sent a message on XX/XX/XXXX, and was told I had to call the customer service number on the back of the card! I called again on XX/XX/XXXX, and I was promised that my case would be escalated and I would hear back from Chase within 2 weeks. Chase never got back to me.
Product: Credit card or prepaid card

1ST NATIONAL BANK OF OMAHA Knowingly report inaccurate information refuse to comply with multiple request to verify account
Product: Credit reporting or other personal consumer reports

The following accounts listed are not mine and we open without my authorization : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX Credit inquiries : XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Rushmore Loan Management closed and services my refinance through XXXX XXXX XXXX. They were XXXX days delinquent in filing the previous loan closure and by XXXX state law required to pay me penalties. They did not pay full penalties and further delayed not only the filing of title and loan closure, but also caused delays in my HELOC application as a result.
Product: Prepaid card

Hello I received an american express rewards card through a cash back site, XXXX 

These virtual cards are declined online and in brick and mortar stores, at restaurants and grocery stores, or XXXX wallet - no one will take these cards. 

I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balances for my XXXX unusable virtual cards to a physical card. They can not offer me a refund. 

They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. 

This system seems designed to skim a few dollars from American consumers. They hold our legal tender XXXX and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. 

This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. 

I have been unable to use their cards for a year. My money is inaccessible. All I want is the total balance on my cards in cash/check.
Product: Debt collection

Midland Credit Management has engaged in a series of retaliatory and derogatory measures ( Account in Dispute ) status updates with all three credit reporting bureaus in order to avoid regulatory compliance requirements. I am seeking debt validation, which I have attached the request to this complaint.
Product: Mortgage

Hello, We members of Naca.com ( XXXX ) have been trying to close on a house going on 60 days. It is not our fault Naca people keep inputting the wrong information in our file every other day. No one at Naca is fully reading our file and updating it correctly. We are out of extensions and now in a hotel ( family of XXXX and XXXX dogs ). Our lease was up on XX/XX/XXXX. I need your help please. We are about to lose our " Earnest Money " to. This is out of the XXXX office. Our mortgage counselor is XXXX XXXX who went Ghost on us last week. The office manager is suppose to assist us and is not doing a good job at getting us a closing date. HELP.. The XXXX XXXX XXXX is our lending company. <P/>XXXX XXXX XXXX NMLS # XXXX NACA Neighborhood Assistance Corporation of America XXXX XXXX XXXX, XXXX XXXX XXXX , Georgia XXXX www.NACA.com America 's Best Mortgage! <P/>Regards, XXXX XXXX
Product: Debt collection

HEAVNER, BEYERS, & MIHLAR LLC have attempted to unlawfully seize my property. The law firm served a summons for foreclosure on my property. I responded via affidavits to the claim ( see attached exhibits ) with no sufficient response. I have provided signed return receipts to confirm delivery. On XX/XX/2023, I was in appearance for the claim via zoom, and the honorable judge XXXX XXXX XXXX ordered that nothing is required for the case unless either party files future motion. This process has caused my family and I mental anguish and unwanted and necessary time from work and my normal life.
Product: Checking or savings account

I rented a car And when I returned the car, I was overcharged. I called Navy Federal at that time because that was my credit union. They told me that I couldnt dispute the charge because I already agreed to allow them to charge me which wasnt my issue at all because I was charged more than the price that was agreed there was no damage done to their car. It was full of gas and it was clean at that time, I thought that the charges stop after that last inflated charge, but they charged me biweekly twice after that when I called Navy Federal they said I couldnt report it as fraud because I agreed to be charged after I returned the car because once I The agreement was concluded, but navy federal allowed them to continue to charge me anyway, and my checking account ended up close in the deficit of about {$3000.00}
Product: Debt collection

Due the the fact that in the above choices I have to choose from in the above box. My choice is not represented well so I had to pick one because my situation is based on the legal right to operate in the State of Texas as a debt collector and IC System Inc. does n't have the right to collect debt in the State of Texas. I am going to provide you with the Creditors Validation Letter I sent to them, I am going to provide to you the research from the State of Texas Debt Collectors Website to prove they are illegally trying to collect a debt. Finally, I am going to provide the certified mail document showing when they received the Creditor Validation Letter. 
This is a XXXX Account that never got service by XXXX because at the times of XX/XX/2012 and XX/XX/2012 they was not any service in my area for XXXX. What I am saying is they did n't offer service in my area so they closed the account out but still tried to bill me for an area they did n't service.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681c-2 BLOCK AND DELETE. NOTICE FTC IDENTITY THEFT REPORT - Proof of identity - Copy of Credit Report - FairCredit ReportingAct Section 605B WERE ALREADY SENT TO EXPERIAN / XXXX XXXX XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, this account is NOT reporting correct information. This account is NOT reporting to my XXXX & XXXX Report But is reporting to my XXXX Report. According to the FCRA, i have the right to an accurate credit report. Please add this account immediately to my credit reports. Please provide me a copy of my new credit report reflecting this account added upon completion. 

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I & My mother who is the sole account holder of the account gave this consumer reporting agency WRITTEN CONSENT to report on my consumer report which violates my rights as a federal protected consumer. NO reporting is discrimination. As a consumer I am demanding the addition of the account listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account Name XXXX XXXX Account # XXXX, 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
Product: Checking or savings account

1. On XX/XX/XXXX, I called Wells Fargo to dispute three transactions involving XXXX XXXX XXXX. One of the transactions, in the amount of {$180.00} I did not recognize and did not sign for, did not authorize, and does not appear on my hotel receipt/folio. I do not know what it is for. <P/>2. Wells Fargo created a dispute, case # XXXX, for the three transactions. The basis listed as " service not as expected, '' even though for the charge for {$180.00}, the basis should have been listed as unrecognized charge/unauthorized. <P/>3. Previously, I called the hotel/merchant several times, including most recently on XX/XX/17 and attempted to talk with them about the unrecognized charge and other issues. I asked for XXXX XXXX, the front desk manager. They said she would call me back but she has not. <P/>4. Also, I called XXXX XXXX corporate office on XX/XX/17, to talk with someone about the unrecognized charge and other issues. They said they would call me back on XX/XX/17, but have not. <P/>5. The original Wells Fargo representative who took my claim said she was going to attempt to call XXXX XXXX XXXX and call me back. <P/>6. According to Wells Fargo representative # 2, XXXX, the first representative did call the hotel and the hotel refused to talk with Wells Fargo to substantiate the unrecognized charge. <P/>7. XXXX recommended that I open a new dispute specifically about the {$180.00}, and transferred me to do so, saying I had a strong case to win the dispute, especially after the merchant refused to talk to Wells Fargo. XXXX said she wanted me to send the folio, so I scanned it to my computer in preparation. <P/>8. XXXX transferred me to representative # 3, who agreed my dispute was miscategorized, but said she 'd have to transfer me to the business disputes dept. <P/>9. Representative # 4 XXXX ( refused to give ID # ) refused to reopen the dispute, and kept asking me what the charges were for. I said I did n't know because they were not on my folio. I asked to speak with a supervisor. <P/>10. Rep. # 5 XXXX ( refused to give ID # ) was extremely rude, never apologized for the inconvenience of the two hours I had to spend on the phone, and also refused to reopen the dispute. <P/>ANALYSIS : Merchants should not have the right to charge customers any amount they want, without any documentation provided to the customer, and then refuse to provide said documentation to the customer and the bank. The bank should not refuse to dispute an unauthorized charge. At the very least, Wells Fargo should have reopened the case, allowed me to send my documentation, and asked the merchant again to respond. In reality, with the merchant refused to talk with Wells Fargo, it should have been enough to charge back the full amount of {$180.00} and close the case.
Product: Money transfer, virtual currency, or money service

I sent money using taptap send XXXX XXXX, And My money has never been sent yet. Normally a minute or hours the money will be sent to my relatives. But now it took 4 days and still there. I contacted them through XXXX XXXX and I called them too and the answer still the same. I tried to cancel the transaction and they said I cant and they cant cancel the transaction. The amount i sent is {$160.00}
Product: Credit reporting or other personal consumer reports

I am writing to address a serious matter regarding inaccuracies in my credit report that have arisen due to identity theft. Despite my previous attempts to rectify this situation, it has come to my attention that the erroneous items have not been removed as required by law. Under section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated that any items found to be opened due to identity theft must be promptly removed from my credit report upon receipt of an FTC fraud report. As such, I have submitted the necessary documentation to support my claim, yet the fraudulent items listed below remain on my credit report : These items were opened without my consent or knowledge, and I am adamant that they be removed from my credit report immediately. In accordance with the FCRA, I am giving you formal notice that if these items are not removed within the next four business days, I will be left with no choice but to pursue legal action. My intention is to resolve this matter amicably and without the need for litigation. However, I will not hesitate to involve my attorney if necessary to ensure compliance with the law. Furthermore, if you claim that these items are 100 % accurate and verifiable, I demand that you provide me with copies of any documentation associated with these items that bear my signature. As I know no such documentation exists, I expect that this information will be promptly deleted from the credit file associated with my Social Security number. I urge you to take immediate action to address this issue and prevent further harm to my credit and financial well-being. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.
Product: Mortgage

XXXX XXXX XXXX XXXXXXXX doing business with Rocket Mortgage, denied my request for a loan based on insufficient income. They refused to consider my VA XXXX payments as income because I do not have a W-2 showing income from the VA. I told them that income is not taxable, so there is no W-2 generated. Without my VA XXXX, I wouldnt qualify for the mortgage. They decided that since they couldnt calculate my VA income, that I was disqualified. I provided them with my VA XXXX benefit letter, and they refused to consider it.
Product: Consumer Loan

BMW FINANCIAL wrongfully reported a 30 day negative mark on XXXX accounts dropping my credit score about XXXX points. On or about XXXX XXXX, 2015 I posted two payments on XXXX accounts with BMW FINANCIAL. The payment was post " on '' the 30th day. BMW FINANCIAL still reported both accounts as 30 days late. This is a false reporting as a complete 30 days did not pass without a payment. I brought this up to BMW FINANCIAL and they states it is policy. I stated how can an account be reported 30 days late if only 29 days passed without a payment. The representative stated that it is open to interpretation. Policies should not be vague and ambiguous. I then requested documentation that supports their policy regarding reporting late payments. Representative said they could not provide documentation. I then asked if how they report late payments in the agreement with them. They said it is not. I also informed them I disputed the reportings through XXXX. Agent from XXXX said their notes show that BMW FINANCIALS could not give a reason why they reported the 30 day lates. XXXX then asked if they could remove the negative reportings. BMW Financial told them no. So BMW Financial can not provide documentation to support their policy, they admired their policy is open to interpretation, and still refuse to remove the 30 day marks. If BMW FINANCIAL does not correct their mistake in their reporting my next step is to retain counsel and file a complaint in civil court for punitive damages for negatively impacting my wife 's and I credit and request sanctions against BMW Financial for violations under the FCRA. I have proof of payments made and if it goes legal then can subpoena communication between XXXX and BMW Financial.
Product: Money transfer, virtual currency, or money service

Hello, my name is XXXX XXXX XXXX founder and XXXX XXXX XXXX XXXX XXXX XXXX and I am filing a complaint against cash app for thier fradulent services. They have closed my account three times and I can not cash out, send or recieved money. That's vwry unprofessional, they are holding my money, they won't even let me link mu bank or debit card. They have now closed 4 of my accounts and they talking about they can't or not allowed to give me a reason. They XXXX me off so much that I even threatened then harm if they dont give me my money or a reason! I am sick of Cash App!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX XXXX  & Experian. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

After applying for a credit card with XXXX on XX/XX/2018 and noticed that a delinquency was reported for Experian. 

I obtained a credit report from Experian on XX/XX/2018 and noticed that a 30-day delinquent account was reported for XXXX XXXXXXXX XXXX for account ending in XXXX. I have previously filed a CFPB complaint regarding this because XXXX XXXX XXXXXXXX closed my account that had a balance and removed any indications that a balance still existed and didn't provide any means to pay the balance. After the CFPB complaint was filed, XXXX XXXXXXXX XXXX had agreed to remove the delinquency report from ALL credit bureaus in exchange for settling the remaining {$25.00} balance. 

This delinquency is still being reported by Experian to this date.
Product: Checking or savings account

XX/XX/23 XXXX purchase via app. 2 charges- XXXX and XXXX. Filed dispute with Wells Fargo. Given provisional credit XXXX. Wells Fargo completed its review. In spite of me moving to another city Wells Fargo refused to give me the resolution over phone. That is their policy. This did not allow me anytime to plan in case they retracted the credit. After my move I went to a Wells Fargo branch in XXXX XXXX NM and spoke with XXXX. She checked what was done and said the credit would not be retracted on XX/XX/23 the XXXX was taken back out of my account. I am on social security.
Product: Debt collection

Paid this account in full and was told by operator would change status to paid as agreed and then would be removed from my report. However to this day it is still being reported as a debt and amount owed not reported so it looks like i still have a balance.
Product: Money transfer, virtual currency, or money service

On Monday XX/XX/2024 I received an email from JP Morgan Chase Bank stating " We sent your wire transfer '' of USD XXXX, I called the bank on the spot to freeze my account and to inform them that it is a fraud and to stop the wire, while on the phone another wire of USD XXXX went through. The money went to XXXX XXXX XXXX  in Delaware benificiary XXXX XXXX. I asked Chase to refund me because they are unauthorised but the answer was an investigation shoul be done and got a Claim # XXXX and Case # XXXX, XXXX. I called Chase several times with the answer that XXXX XXXX is unable to transfer the money back. 
I complained to my local Police and got a report # XXXX Thank you so much. 

XXXX XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

I received a credit card from Comenity Bank ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX for which I never applied. I contacted Comenity and XXXX XXXX directly on XX/XX/XXXX and reported as fraud and they began an investigation as the account was opened on line and already had a balance of {$300.00}. I also pulled a credit report and it is listed as a new account as well. I placed a freeze on my credit with all three credit bureaus. This new account has resulted in a decrease in my XXXX score. I normally wouldn't be concerned, however, I am in the process of applying for a mortgage. I need this to be corrected asap and for this to be corrected, recorded as fraud and removed at all three credit bureaus. Thank you for your help in resolving this matter. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert on my account that will ( currently ) not allow me or companies to open an account without verification. On XX/XX/XXXX I requested a loan for my HELOC that I thought was maturing this year. A HELOC in which I used to pay my employees. The HELOC was orginally borrowed to purchase property in Wisconsin. 
With all that on XX/XX/XXXX Equifax showed a credit score of XXXX, I was never contacted by the company that made this inquiry and later believe that it was a " hard pull! '' The credit bureau currently lists that I have a total of 3 hard pulls, I reached out to the company and they deny this occurred. ( see email ) They forwarded me the credit file that specifically shows that I have a fraud alert and yet they were able to make such an inquiry. My credit score is currently XXXX. 
Equifax states : Lack of recent revolving account information Too many consumer finance company account Lack of recent bank revolving information Lack of recent installment loan information Lets begin with facts : I have a fraud victim extended alert that does not allow myself or any potential creditor to access my credit record without verification from me. 
1. This did not happen on XX/XX/XXXX ( see email attachments ) Lack of recent revolving account information : 1. This is not a " consumer '' issue, and XXXX reports my revolving account on the XXXX of each month and my HELOC currently shows near correct until they send out again for XXXX? BOTH ACCOUNTS HAVE BEEN UPDATED ON MY Equifax CREDIT FILE AS OF XX/XX/XXXX! 

Too many consumer finance company account 1.There are no active or outstanding consumer financial accounts on my credit. I am currently seeking litigation against net credit for fraudulent interest accrual when I borrowed in addition to my HELOC to purchase property in Wisconsin My vehicle broke down and the cost was {$6500.00} for transmission, rear end and other problems. The company offered a one year free interest.

Lack of recent Bank revolving information : 1. AS of XX/XX/XXXX my XXXX XXXX account is up to date on Equifax credit report as well as on XX/XX/XXXX Lack of recent installment loan information This code either means that your accounts have not been active recently or you don't have that type of account! Which is it? This is not a consumer issue but a loaner responsibility