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

On XX/XX/XXXX, I received an email from XXXX/XXXX  which said that, if I apply for the XXXX XXXX XXXX by XX/XX/XXXX, I  would get XXXX bonus award miles after spending {$2000.00} on purchases in the first three months the account is open and a {$0.00} Intro Annual Fee for the first year. On XX/XX/XXXX, I applied and received confirmation that my new card was on the way ( attached ). I spent more than {$3000.00} within the first month of opening the account, more than qualifying for the XXXX rewards miles, but XXXX/XXXX  only awarded me XXXX miles, not the XXXX promised in the email. I have called XXXX/XXXX about this issue twice, and they have told me that I did not sign up for the XXXX mile offer, but for a different offer that awarded XXXX miles after spending {$1000.00}. I do not even remember receiving that offer. My understanding from the XXXX XXXX email was that, as long as I ( a ) applied with my rewards number by XXXX XXXX, and ( b ) spent {$2000.00} then I would receive the XXXX miles. I did both A and B, but they are now refusing to honor the XXXX miles promised in the promotional email. XXXX/XXXX says that I am trying to " change the offer I signed up for and that offer is now expired '', but I am not trying to change my offer. I am trying to get them to honor what they promised in the XXXX XXXX email. I thought that is what I would receive when I signed up and spent {$2000.00}, which is why I saved the email. By sending the XXXX XXXX email that it now refuses to honor, XXXX/XXXX made an unfair representation that mislead me, a reasonable consumer, into signing up for their card and spending my money with them. I have called XXXX/XXXX three times about this issue and they have told me they do not have the power to grant my request, even though it is what they promised in the promotional email to me.
Product: Payday loan, title loan, personal loan, or advance loan

I tried to apply for a loan due to an emergency expense that came up. The company was incredibly polite and attentive and ready to answer questions when I was in the application process. After finalizing however the company failed at multiple points to answer any questions, never provided me with the funds and ignored all my voicemails and emails. I got a hold of a representative on the XXXX and demanded the loan be cancelled and was told that a supervisor would do that for me and Id receive a callback and email with regards to the cancellation. I never received either. And every subsequent call has been met with my supervisor is out of the office and all my emails have also been continuously ignored.
Product: Credit reporting or other personal consumer reports

I was a victim of a data breach with XXXX. I have found that there are some unauthorized inquires from XXXX, XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Source Receivables, XXXX XXXX XXXX XXXX  on my XXXX XXXX, XXXX and XXXX credit bureau that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per review of my student loans, which started in the year of XXXX and was consolidated in the year of XXXX for the PSLF. My qualifying payments were XXXX at {$0.00}. These loans were created for me to attend and graduate Virginia XXXX XXXX. Currently, I have a XXXX XXXX XXXX in place that is pending/processing since XX/XX/XXXX for the Virginia XXXX XXXX loans because of the inaccurate information, fraud, and absent accreditation. Also, during this time I went back to school at XXXX XXXX XXXX ; XX/XX/XXXX, which has placed my current loans in a deferment. I was not made aware of this deferment, or was this information told to me. When I submitted my PSLF application and was approved, I was not made aware that if I was to start college again that my old school loans, that have nothing to do with my schooling now, would be affected. The other inaccurate information is XXXX reporting my school loans on my credit report stating they will fall off my credit report in 7 years which will be XXXX. This is not correct as I received my loan in XXXX and this year of XXXX and month of XXXX, all account information of XXXX should not be reported onto my credit. The reason it states " XXXX '' is because I made a conslidation on my loans but that doesn't change when I got the loans per when I spoke to Experian. Ive already made a status change dispute of this to the credit bureau, and it was processed on XX/XX/XXXX, by XXXX - " Dispute resolved - consumer disagrees. Before disputes were made, on Friday XX/XX/XXXX, I made a phone call to XXXX customer service to ask what my best approach to my school loans at this time would be. This is how I was made aware of the deferment on my account and with no reason why. I asked about my loans being removed from credit and the representative stated, that is not accurate information, after 7 years only late payments fall off. I asked how long a wait would be on a Borrowers Defense Application and received an answer of over a year. XXXX as a company has made it hard to move forward, be knowledgeable about account information, and has failed as company to keep me updated on my own information. Per credit bureau, after 7 years, a school loan does fall off your credit your report. Customer service should not be stating inaccurate information to current students, customers, members or whomever. After receiving the dispute results, I sent a certified letter to XXXX, and only received a signed certified tracking card back. I waited 30 additional days with no payer correspondence. Again, I am asking for just the school loan to be removed from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been a victim of identity theft. Someone used my information to open up a utility bill with XXXX XXXX. I placed a FTC report about this matter and disputed the account with Experian and XXXX. Experian is still looking into it at the time. However, XXXX  refuses to remove the fictitious account from my profile. They said the information is accurate. How is it accurate if i never had a bill with XXXX? This has stopped me from recieving service in my home now. I tried to contact XXXX. They asked me to submit an identity theft packet. In that packet it asks for proof of address. I can not furnish a proof of address at the time because at the time this incident occured, i was a student at XXXX University living in XXXX. so there is no way i lived at the address connected to this account. The amount is for XXXX
Product: Mortgage

Bethpage placed our home equity line of credit on the wrong property. I went to sell this property when the title company found the error. I paid the lawyer and recording fee ( again ) to fix this problem. I believe Bethpage FCU should reimburse me for their error. I have tried to contact the institution 9 times with no answer. The last time I even wrote a letter to the XXXX. Still, just crickets. I have attached all of my correspondence and the relevant documents.
Product: Credit card or prepaid card

Remove 30 day late payment from my JPMCB credit file. 

My credit score has decreased from XXXX to XXXX as a result of JPMCB/Amazon 's unwillingness to contact me regarding a {$16.00} charge that put my account over 30 days past due without notifying me of an impending issue. 

Synopsis : My wife 's Amazon XXXX account used her XXXX XXXX card as the primary payment method for purchases and my Amazon Visa from JP Morgan Chase Bank, JPMCB, as a secondary payment method. 

In XX/XX/2023 my wife temporarily lost her XXXX XXXX card at an XXXX XXXX TX area XXXX. It was returned to the Customer Service desk, but we later discovered unauthorized charges. She reported this to XXXX and they canceled her card. XXXX reissued a new card with a new number. This new number was not immediately transferred over to Amazon. 

On XX/XX/2023, there was a {$16.00} charge to her Amazon account that was declined by XXXX XXXX. Amazon immediately charged the JPMCB card account We were away from home for a total of five months and did not receive USPS mail, only email, text messages, phone calls, and USPS images of mail going into our XXXX XXXX back home. 

I was not notified that {$16.00} had been charged to my JPMCB card account and there was no additional communication that the account was past due over 30 days. JPMCB and/or Amazon has my contact information and could have contacted me electronically. The written letters sent by JPMCB, and imaged by the USPS, which I received electronically via email, did not have any indications on the return address that they were from JPMCB. If I saw JPMCB on the image, I would have contacted JPMCB for clarification. 

My first indication that there was an issue with the JPMCB account was when I received an alert from XXXXXXXX XXXX credit monitoring service. I immediately contacted JPMCB and made a payment in full, including additional charges/fees. 

I asked JPMCB to consider the circumstances but they declined to offer relief with credit reporting resulting in the drastic credit score decline. In fact, JPMCB incorrectly entered the following in my credit file : **CONSUMER STATEMENT** DUE TO CHANGE OF ADDRESS I NEVER RECEIVED A BILL/STATEMENT. 

I have filed the following dispute with XXXX : VISA - Amazon primary payment method : card lost/canceled ; {$16.00} declined JPMCB - secondary ; {$16.00} charged Away from home 5 months ; no email/phone call from JPMCB/Amazon Notified delinquent by XXXX
Product: Credit card or prepaid card

Since XXXX until today, XXXX XX/XX/XXXX, my Credit Score has been nearly 850 for 2-years. I am a member for 30+ years! 
American Express stopped all unsecured loan applications without a detail explanation to the customers. My account has not received unsecured loan offers since XXXX, so the reason can not be Pandemic related. 
This is unacceptable, as it appears the company is hoarding its cash reserves for undisclosed reasons to the customers. 
Please investigate! Thank you
Product: Debt collection

I noticed this was n my credit report and attempted to contact this company. I asked for prof of debt and was told I needed to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting, as of XX/XX/XXXX, that I was 180 days late on my mortgage payments. I dispute this notation and would like them to remove it. 
I was in a loan modification program with XXXX beginning in XX/XX/XXXX,  and was out and in of loan modification for a period of 2 years. 

I sold the house and paid off my mortgage in XX/XX/XXXX. 

I would like this false reporting removed from my credit report. 

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

On XX/XX/year> I requested Trans Union and XXXX to explain to me basically why they are falsifying information on my credit report. They have sent me another response to my dispute stating they both verified information from XXXX. I have attached again the response XXXX who states that Bankruptcy is unverifiable and not listed with them. I also have attached another letter from US BANKRUPTCY COURT who states they do not report to bureaus. I have also attached the response from Trans Union and XXXX showing they state XXXX verified information which is untrue. Trans Union or XXXX have yet to validate this and I'm asking for unverified information to be immediately removed. The Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to delete, modify, or stop reporting disputed information that is inaccurate, incomplete, or can not be verified. This is outlined in 15 U.S. Code 1681i.
Product: Student loan

I lost my job a few months ago ( XX/XX/XXXX ). I did not call Navient until today ( XX/XX/XXXX ) because I figured I would have full-time employment by now. I was told I do not qualify for forbearance because I've maxed it out, I was told I do not qualify for a deferment because of the loan types, I was told I could not lower my payments beyond what they were. I do not have income or a means to pay them. I was told to contact a placement agency but there wasn't anything they could do to work with me on this. 

I am not trying to avoid paying my debts but I have been struggling with this since my graduation in XXXX. Both companies are not being held accountable for this situation yet I am.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY XXXX MORTGAGE ACCOUNT WAS NEVER LATE OR HAD ANY MISSED PAYMENTS. IT WAS UNDER DEFERMENT AND FORBEARANCE PROTECTION AND A SUBSEQUENT LOAN MODIFICATION DURING COVID 19 PANDEMIC, AFTER WHICH REGULAR PAYMENTS WERE RESUMED AS SCHEDULED. IT SHOULD NOT HAVE BEEN REPORTED IN A DEROGATORY MANNER ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$790.00}XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX : {$1300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit System is inaccurately reporting on my XXXX  Account
Product: Mortgage

On XXXX XXXX, XXXX Bayview Loan Servicing LLC ( BV ) took over servicing of our mortgage from XXXX XXXX. On that date an escrow account balance of {$560.00} was transferred to Bayview. An Annual Escrow Account Disclosure Statement BV sent dated XXXX XXXX, XXXX had sections listing Escrow Disbursements and Projected Escrow Activity, but the Account History section is blank, thus failing to provide us with necessary information on all escrow activities from XXXX XXXX to XXXX XXXX. A statement dated XXXX XXXX, XXXX is missing account history from XXXX to XXXX XXXX. These XXXX misrepresentations are in violation of RESPA. 
When I called BV requesting the missing escrow account history they said I would have to write a letter to BV Customer Service Department. Sent a letter dated XXXX XXXX, XXXX. We received a response dated XXXX XXXX, XXXX ( mailed XXXX/XXXX/XXXX ) from a XXXX XXXX, Case Manager in the Customer Service Department at BV. It stated that she " enclosed a copy of the all escrow account disclosure statements conducted Bayview for your review. '' ( The poor sentence structure is hers, not mine ) and, " Enclosed is a copy of the Account Activity Statements as it provides a detailed accounting of all transactions and their effective due dates for your review. '' What she sent was a copy of the statements that we already have. There was no acknowledgement of our actual request. So they have still neglected to provide an accounting required by law for the period from XXXX XXXX to XXXX XXXX. Their response indicates that they do n't intend to. 
I called BV again and asked for XXXX XXXX. They would not connect me to her and would not agree to send the required information. The person I spoke with said he ca n't get it, but he did n't make any attempt to do so. 
The records we have for our mortgage loan are still incomplete and we are unable to view the records of how BV handled our escrow.
Product: Credit card

I purchased a XXXX rental car thru Chase Sapphire credit card for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX for signed agreement of {$540.00}. There was a war that initiated on XX/XX/XXXX, and we were mandated to leave. I returned the car XXXX  days early and was overcharged at {$460.00} for XXXX  days + pending charges. That leaves a dispute of {$240.00} + pending charges. I had no choice but to return the car to XXXX in good condition, and yet Chase will not dispute these overcharges. I am requesting they do not allow XXXX to continue to charge me and that they negotiate a refund for {$240.00}. I have all signed agreements but Chase is forcing me under duress that I be held responsible for a signed return agreement when I was under the XXXX to evacuate immediately ; there was no way I could have disputed charges and it is not reasonable to think during an act of XXXX  that I would argue with XXXX.
Product: Mortgage

I lost my job in XXXX 2016. Since Wells Fargo offered a " home Preservation " Program, I reached out to them to alert them of my hardship. They were understanding and approved me for the Forbearance program. The way it was explained, was that if the homeowner qualifies for a hardship, then they would make a minimum monthly payment ( around {$50.00} - $ XXXX/month ) until the hardship has been resolved. Once resolved, the loan would be re-evaluated to determine how the loan modification would be worked out. So, I agreed to participate in the Home Preservation Program ( which should be labeled Home Foreclosure Expedition Program ). I found another job and started on XXXX, earning less than I did when I qualified for my mortgage, and notified WF of this accomplishment. My Home Preservation " Specialist '' was extremely kind and encouraging during this conversation. She requested updated earning statements so that the underwriter could determine which program was the best fit. I was ecstatic and hopeful that I would be able to maintain my home. Within a week, my Home Preservation Specialist contacted me to inform me that she had a decision from the underwriter and was happy to report that I qualify for the repayment program! This is a program where you pay your regular mortgage amount in addition to all of the " outstanding '' payments. I informed my ( Home Foreclosure Expedition ) Specialist that I am not able to make that payment. Additionally, I now, have a reduced income compared to what was used for qualifying me for my home. She only told me that was my only option ; that the underwriter came back with that program and I could take it or leave it. I begged with her that it makes no sense that I can pay more on a lesser income. It fell on death ears. She only told me that my first payment would be due on XXXX. I could not make the payment in XXXX, but called back in XXXX to make the payment and was informed that my loan was 5 months delinquent and that I was, now, in preforeclosure. I attemtped to contact the " specialist '', which now changed to a XXXX XXXX and he was no longer available. He would not return my phone calls and I started receiving calls from the collections department, threatening me of further actions. I contacted WF one last time and begged to speak with someone in Loss Mitigation, but no one observed my request. So, here, I have decided to file a complaint as I have a valid hardship and working to save my home. I am working and making a valiant effort to negotiate a fair plan with WF.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the consumer reporting agencies to change the status of the XXXX XXXX XXXX XXXX account to closed/never late due to XXXX XXXX  XXXX XXXX failing to comply with 15 U.S. Code 1666b ( a ) and 15 U.S. Code 1681s2 ( 7 ) ( A ) ( i ). The consumer reporting agencies have failed to update the status and the consumer reporting agencies have failed to comply with 15 U.S. Code 6802.
Product: Mortgage

BELOW IS PARTS OF MY APPEAL LETTER TO SELECT PORTFOLIO SERVICING INC To Select Portfolio Servicing : I am writing to appeal the loan modification denial I received from your company on XX/XX/XXXX. I am appealing my denial for a loan modification on the basis of my income and my ability to afford monthly payments set forth by your company loan modification guidelines. 

My denial letter stated that a loan modification was not feasible, further stating that your company was unable to offer me this program, because you could not create an affordable payment within the programs guidelines. In letter dated, XX/XX/XXXX ( XXXX XXXX XXXX ) which states that my new monthly payment as of XX/XX/XXXX would be lower than my previous monthly payment amounts. In addition, my income ( XXXX XXXX XXXXXXXX and XXXX XXXX ) falls within the federal loan modification income guidelines, which states, to qualify for a loan modification under federal laws, the borrowers surplus income must total at least {$300.00} and must constitute at least 15 percent of his or her monthly income. When adding all my monthly expenses and deducting from the total amount of my income, I would qualify for your program. As stated above, I believe that my loan modification request should not have been denied on the basis of your company not being able to create an affordable payment within the programs income guidelines. As my income demonstrate after monthly expenses including a payment to your company ( for example in the amount of {$700.00} ) I would have a surplus in the amount of $ 450 monthly or a little over. ( Payment amounts in this paragraph are only used as an example ). 

I would also like to bring to your attention my experience with your company since XX/XX/XXXX. In the first denial letter your company sent me in this current case on XX/XX/XXXX just XXXX prior to your second denial letter dated XX/XX/XXXX for two completely different reasons. In the initial letter to myself from your company dated XX/XX/XXXX requesting the documentation to support my loan medicalization application I was given a date of XX/XX/XXXX to have my completed RAM application and all supporting documents turned in to your company. I was able to complete and gather the requested documents and upload them to your system by the due date with the understanding within 30 days I would have a response from your company regarding a decision. With the holidays only ( XXXX and XXXX XXXX ) days away I figured I would give SPS time to review my documents before calling. On XX/XX/XXXX I logged on to your system to find 2 letters uploaded to my account, one from XX/XX/XXXX stating my documents had been received, however, they had been rejected stating the documents I provided did not prove occupancy. Please note I submitted my most recent 2 bank statements dated XXXX and XX/XX/XXXX and also my most current gas and electric utility bill which the same letters state the documents I provided are acceptable documents for your company on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Experian failed to fulfill its legal obligation under the fair credit reporting Act ( FCRA ) to conduct reasonable reinvestingation I Of disputed information on my credit report, leaving inaccurate or unverifiable accounts unsolved. The consumer financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian. Alleging systemic issues such as failing to forward consumer-provided evidence to furnish, accepting unreliable responses, and failing adequately notify consumers of dispute outcomes. These failures align with my experience. Where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing outgoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law as my rights as a consumer