23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX My wife XXXX XXXX and I received email offering {$15.00} statement credit for paying {$150.00} or more in bills including utilities using my Chase Freedom XXXX XXXX We enrolled in the offer and paid a utility bill for over that amount on XX/XX/2024. We received a statement credit of {$15.00} on XX/XX/XXXX Several weeks later, on XX/XX/2024, we received another email from Chase with the exact same offer and it said we were already enrolled in the offer and the deadline to use it was XX/XX/XXXX. We again paid another utility bill for over {$150.00} on XX/XX/XXXX. No {$15.00} credit was issued so we began inquiring via secure message. We were told that it could take up to XXXX weeks for the statement credit to post, so we waited. 

We contacted Chase and after much messaging back and forth, they claimed that we were not eligible for the statement credit because of the {$15.00} we received in XXXX. We pointed out that Chase sent another email on XX/XX/2024 with the same offer of {$15.00} for paying over {$150.00} of bills in the utility category. Chase stated it was only XXXX statement credit. We pointed out that no where in the terms in the email that they send with these offers that it is limited to XXXX. We pointed out that if this was the case, why would they send a second email with the offer XXXX weeks after we had already received a credit. They said they would not be paying the {$15.00} credit for the second offer they sent and they would not discuss the matter any further. We informed them that we would be filing a complaint with CFPB because they failed to fulfill the statement credit of {$15.00} for the offer that they had sent on XX/XX/2024, which we qualified for with our utility bill payment on XX/XX/2024. See attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to dispute the fraudulent items I notticed beiongreporting on my credit report. I recently received a copy of my credit report and was shocked to find that there are several items and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. The items in question are as follows : XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6800.00} XXXX  XXXX XXXX Balance : {$650.00XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Unpaid Balance {$830.00} XXXX XXXX XXXX XXXX Unpaid Balance {$93.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these items or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

My issues are with the financial department at the college. I am supposedly receiving money from a Fedloan, but I am still receiving statements stating that I still owe thousands of dollars to the school. I have requested of several administrators in the financial department to please meet with me, to help me understand where and how the funds are being allocated and have been totally ignored. The school seems to be getting its ' payments from the Fedloan, but there isn't enough funds afterwards for me to purchase or rent the required text books etcetera required for the courses. I can't afford to continue going to school as I can't afford to buy or rent the books and other incidentals required.
Product: Credit reporting or other personal consumer reports

XXXX refuses to update my credit history and continues to report me as 30-60-90 days late on a loan since paid-off. The issue is, according to XXXX, I should not have received a Payment Deferral Agreement Offer. Instead they say underwriters or some other internal investigative team discovered my loan was restricted by my investor and should have never been granted the forbearance in question. Therefore, XXXX corrected their error, which immediately put me in arrears and multiple month 's late. The multiple payments I sent based on my executed Payment Deferral Agreement Offer were then put into suspense and/or applied to previous balance, resulting in additional months of missed payments according to them. 

XXXX also consistently showed differing, erroneous account status and amounts due both on their website and during calls with multiple agents and management spanning many months. 

Below is an initial overview of the issue and my first of many attempts to resolve the issue. However, there is plenty more including detailed notes from multiple calls with XXXX representatives over several months. 

1. On XX/XX/XXXX  XXXX XXXX received a Forbearance Plan Offer ( XXXX XXXX  ) issued due to XXXX XXXX indication that his ability to make payments on his loan was negatively impacted by the COVID-19 pandemic. In the letter, XXXX confirmed monthly payments were paused effective XX/XX/XXXX   with an expiration date of XX/XX/. The communication further noted that while payments were not forgiven, XXXX XXXX could engage with XXXX at the end of the forbearance term for a payment solution, should he continue to need assistance after XX/XX/. Solutions included, but were not limited to, repayment plan, payment deferral, among others. 

2. On XX/XX/XXXX  XXXX XXXX received a Payment Deferral Agreement Offer ( XXXX XXXX ) from XXXX indicating he was approved for a payment deferral which would : a. Adjust the due date of the following scheduled monthly payments, making the mortgage current ; b. Defer the scheduled repayment of the total four past-due amounts to the maturity date of the mortgage or upon sale or transfer of the property, refinance or payoff ; c. Waive any late charges. 
According to the offer instructions, XXXX XXXX returned the signed offer to the indicated address within the acceptance period and waited for further communication from the XXXX team indicating the following scheduled monthly payments, as indicated in the notice. 

3. On XX/XX/, XXXX XXXX received a Notice of Default for failure to pay amounts due ( Attachment C ). The monthly payments included in the notice ranged from XX/XX/2022, to XX/XX/2022. XXXX XXXX was required to make full payment on the amount of {$9700.00} by XX/XX/2022, to cure the default. 

Given XXXX XXXX entered a Forbearance Plan from XXXX to XX/XX/2022 and then accepted Loancares Payment Deferral Agreement Offer, my clients dispute the Notice XXXX XXXX from XX/XX/2022. They further request XXXX immediately halt any foreclosure procedures against them and issues them with the new scheduled monthly payments, as indicated by the XX/XX/2022 notice.
Product: Mortgage

I 'm trying to obtain my Escrow Refund for XXXX XXXX XXXX ). I refinanced XXXX XXXX now nobody associated with my refinance has no Loan Number of the refinanced transaction. I called XXXX XXXX and was told it was in some kind of evaluation, which the Escrow was evaluated in XXXX also.I was told in XXXX that I would receive it the end of XXXX now no one has heard of me or the refinanced transaction. I was never able to speak to a supervisor or manager. I 've tried to contact everyone involved with the refinance transaction even the Title Loan Office. I was contacted in XXXX XXXX for {$100.00} for tax increase then XXXX XXXX my mortgage was increased for {$580.00} to {$590.00} with no explanation for the increase. I 'm afraid next year they may say they 've not received my mortgage payments which is an automatic withdrawal. I need help in dealing with these companies. Thank You. SUPPORTING DOCUMENT IS FORTHCOMING.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX : I paid XXXX @ XXXX via XXXX for a Tip for Balloon animals at XXXX XXXX. As soon as I was sent I tried to remove him as a contact, it was not clear immediately how to do this. I would try to do this later. ( See attachment XXXX ) XXXX : Went to pay my rent of XXXX to my XXXX XXXX. I accidently sent this to XXXX whose name was now in the same location as my landlords was. I did not realize until after I sent it. I immediately called XXXX, went to XXXX and let him know it was a mistake. I also followed up with a text. He has an iphone and my texts were blue. At this time the status of the Zelle transaction was delivered. 

I also called XXXX right after and the office was closed. 

XXXX : Called XXXX first thing was transfer to the claim department and filed a claim with Zelle to do a courtesy reversal. They said it could take up to 10-15 days. 
Claim # XXXX Called the XXXX XXXXy to attempt to reach XXXX. Spoke to the General Manager XXXX. He said he would reach out to XXXX for me. At this point my text were not green which would indicate he was either out of reach or blocked me. 
XXXX called back and XXXX stated he had not received the money yet and as soon as he did he would return it. Status still shows delivered. 

XXXX Zelle status shows completed. ( see attachment XXXX ) I called XXXX XXXX  again to attempt to reach XXXX, no luck. Left message for him to get back to me. 

XXXXWent to XXXX to Follow Up with Branch Manager to see what they could do on their end. I am getting no where with XXXX and Zelle. Of course was told it as an on-line transaction and they could not help me. 

XXXX Follow up with XXXX XXXX XXXX should get status of Claim by tomorrow. 

XXXX Follow-up with XXXX w/ XXXX and was told claim was denied. 

XX/XX/XXXX - Called XXXX XXXX spoke with XXXX to get XXXX last name which was XXXX. He has been avoiding my calls and this point I will take legal action. 

XX/XX/XXXX - I attempted to call Zelle first and was told that XXXX and his bank XXXX XXXXXXXX are member banks and they can not help with any unauthorized transactions and I have to go to XXXX to try to recover the funds and file a claim XX/XX/XXXX - Called XXXX Police to find out what I can do. They placed a call to XXXX who mysteriously called me back. He " called '' Zelle and he said that Zelle placed a flag on the fund and would release them back to me within 5-7 business days. 

XXXX I texted XXXX and he called me back ( ironically ) we did a 3-way call with Zelle and they told him the same thing they told me. XXXX told Zelle he never got the funds. Zelle said it is not their problem to call my bank XXXX. 

XXXX I tried calling XXXX again and tried to speak to a manager in Claims. They refuse to help me. They said as far as they are concerned the money left my account and it is not their problem.
Product: Checking or savings account

Today XX/XX/year> I went to the branch of chase bank that is located in XXXX XXXX. From the entrance I told a customer assistant that I wanted to deposit a check. She told me that I could do it at the XXXX that was located inside of the branch. We used the XXXX but once I was doing the transaction the machine showed me that the check will be available in XXXX business days. At XXXX XXXX I wanted to cancel the transaction because I could go to the other bank and cash the check. The machine didnt have the option to cancel the transaction and deposited it into my account. I believe as a customer I have the right to cancel a transaction if I dont agree with the terms but the XXXX at chase dont allow me to do that. So XXXX things from this transaction. XXXX is miss information to the customers. Why they have to say the XXXX inside of the branches are the same as the teller if you dont have the option to cancel a transaction. Second, I have to pay my mortgage today and I didnt have the option to cancel transaction and go to the other bank. This is affecting my credit because and I have to pay a late fee at the other bank. I believe the customers need to have the right to cancel a transaction if they dont agree with the terms. Those terms could be fee or any other form of agreement. I feel like as customers we should have the right to accept or not the terms of a transaction and I want someone to review that because as I heard the XXXX said I wasnt the only XXXX because that happened before. This is not right. Im going to be reported and I have to pay a late fee of my mortgage payment because of this.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$5500.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX  XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX  XXXX XXXX  Balance {$640.00} XXXX  XXXX XXXX  Balance {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$5500.00} XXXX XXXX XXXX Balance {$640.00}.
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

American Express is reporting to all the credit agencies that they charged off {$29000.00} of my account and {$3900.00} is past due. This is wrong and a blatant lie by American Express. Nothing has been written off by American Express or is late. The following is the true facts. 
1. Since XX/XX/XXXX, I have by agreement with AMEX paid {$17000.00} of this bill. the last payment of {$150.00} on XX/XX/XXXX. 
2. I have an agreement with XXXX ( XXXX ) of AMEX Legal to continue paying {$150.00} per month until XX/XX/XXXX. This will payoff another {$7300.00}. In phone discussion with XXXX on XX/XX/XXXX. 
3. At this point AMEX will write off the balance of {$7700.00}. 
4. All of these payments since XX/XX/XXXX, have been automatic debits to my checking account by American Express. All future payments have been arranged as the same. So there is no question about the payments being made. 
5. I have uploaded all of my agreements and amended agreements with AMEX up to XXXX. I however, can not locate the last amended agreement that established the final set of payments, but since the payments are automatic by AMEX, they had to agree to this in order to set up the auto payments. The last agreement was amended because the payment of {$530.00} to start on XXXX was to high and was made to be {$150.00}. 
I have been honest and have continually paid off this large debt every month since XX/XX/XXXX and will pay it as agreed in the future. However AMEX has not been honest in their behavior as they ave reported untrue lies to each credit bureau about having written of {$29000.00} which they have not done, and reported {$3900.00} late, which is untrue. I pay every month by agreement, so how can the payments be late since they have been made by agreement with AMEX and they automatically debit my account. Because of AMEX and how they are lying to the credit bureau, my credit has been severly and negatively impacted by this harm. And the actions by AMEX have been as recent as XX/XX/XXXX. They must be made to stop and correct this record. A copy of that portion of my credit report is attached, as are the amended agreements with AMEX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. The following accounts, which I have marked as inaccurate, remain unresolved : XXXX XXXX XXXX Account Number : XXXX... ) XXXX XXXX ( Account Number : XXXX... ). 

I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I was having issues trying to make an international transfer through MoneyGram online services. After several attempts, the transaction finally went through taking the agreed sum of XXXX {$71.00} from my debit card. Without prior notice or security verification of any sort, I received an email from Money Gram that the transaction had been cancelled and I should wait 3-10 business days before the amount will be credited to my account. 

I contacted their customer service line who transferred me to the Online Department, which told me that it was as a result of security concerns. I enquired why such a drastic measure without any notification or request for verification or something. I was notified it was their policy and that was that. I then asked to be transferred to another level which was their Escalation Department. I spoke with a XXXX who could only give me the same information and could not escalate my call any further. 

The main issue I am having is that if there was a security concern, why not instead freeze the transaction and in the same way, send an email to say I need to call Money Gram to verify or why not put a verification system in place. It was very rude of them to ruin my business without any sorts of prior contact or anything. I had to make contact with them after receiving notice that the transaction had been cancelled. This is bad business practice ; they had no problems withdrawing the amount but now because of " laws '' as they notified, I am now left to suffer waiting another 3-10 days before I can put that money to use again. 

The only means by which to make a complaint as I was notified by XXXX from Money Gram 's Escalation Department is to leave a note on the " contact us '' page of their website and wait 48 hours to be contacted for a mishap I never did but is being severely punished for nonetheless. They had no real sense of urgency for the inconvenience it is causing. 

What recourse do I have as all I had really needed was for that amount to have been transferred today but Moneygram is instead stuck on procedures that does not benefit the needs of the consumer.
Product: Credit card

I have cancelled XXXX of my XXXX Chase visa cards last XXXX and that there was activity or transaction in since XX/XX/XXXX. Much to my surprise, I received a statement from Chase stating yesterday that I am responsible for annual membership of {$75.00}. I called and spoke three different representatives today, including a supervise but that did not resolve the issue. I simply asked them to cancel the account and reverse the charge erroneously posted on my cancelled credit card account. I also told them I cancelled the account last year because of {$1500.00} credit that was insufficient for my law firm office expenses. Additionally, I have told that I have been happy to use my other credit card with Chase that gives me much higher credit limit. They billed me for the annual membership on XX/XX/XXXX and today 's only XX/XX/XXXX, and cancelling and reversing the charge should not be a major issue for them. They were unwilling to listen to my concerns and questioned my integrity that in fact I called and cancelled the account last XXXX. They have given me an impression to force me to keep this account open, which I am unwilling to do. I would appreciate your assistance with resolving this issue.
Product: Credit reporting

I have informed you that the XXXX account that is reporting as a collection on my credit file do not belong to me. This account is a result of identity theft. Please remove from my credit file, immediately. Please find police report attached.
Product: Debt collection

Back in 2013, my purse was stolen containing all of my personal belongings. It was from this moment on that I have had items appear on my credit report. I ignored these for the most part out of ignorance. However, these have grown to become a big problem on my personal life. I have been combating fraudulent accounts on my credit report for months now, and for the most part, these have come off. 
However, I still have BK and an account that refuses to come off of my Equifax report. I have called Equifax multiple times to let the know that these are not mine. I have talked to the creditors. I have submitted documentation over and over ; And these are YET to come off! 

Please submit this complaint to Equifax and XXXX ( EQ has stated they are getting their info from XXXX )
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. 

Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 reporting, credit repair services, or other personal consumer reports

I have asked XXXX for copies of my contract with my signature. They are reporting two accounts with one included in bankruptcy which I have never been in. 

I have asked for both accounts on my credit reports to verify the signature and they have not sent me copies after a few request to do so. The included copies show a payment schedule but no proof of payments made and no proof of a signature. 

Thank you