23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This item XXXX XXXX & the XXXX XXXX XXXXXXXX account credit Report is inaccuracies Payment history and last Date of activity and Balance are all incorrect Delete it from my credit Report Immediately
Product: Credit card or prepaid card

I'm not happy with the resolution proposed by Chase. " We will extend your Anniversary Free Night through XX/XX/XXXX, to include any of the XXXX hotel properties worldwide. '' They need to grandfather the promotion and not change it the way they want. This is not right! To remind them this was the deal when me and my wife signed up for this card : This is not the right way to solve this issue, the deal was a free night for every anniversary not only for first year. When I opened the card the deal was : " Chase XXXX  Rewards Club Select Credit Card Earn XXXX bonus points after spending {$1000.00} on purchases within the first three months of account opening Enjoy a Free Night after each account anniversary year at over 5,200 hotels worldwide Earn XXXX points per {$1.00} spent when you stay at an XXXX hotel Earn XXXX  points per {$1.00} spent on purchases at gas stations, grocery stores, and restaurants XXXX Rewards Club Bonus points are redeemable at hotels such as XXXX XXXX & XXXX, XXXX XXXX XXXX & XXXX and XXXX XXXX Platinum Elite status as long as you're a Select credit cardmember Automatic 10 % points rebate on redemptions {$0.00} Introductory Annual Fee for the first year, then {$49.00} a year " not just for XX/XX/XXXX, or XX/XX/XXXX, so they need to respect the promotion and the people who are their customers. For whoever got this Credit Card including my wife they need to respect the deal we signed. I'm also a Chase customer, I do my banking with them, I have my checking and savings account with them. If they are not willing to respect the deal I might end all my accounts I have with them and I'll be banking with another bank. Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo has not responded any further in regards to the investigation as to why they are still reporting a debt on my credit report that's more than 7 years old.
Product: Payday loan, title loan, or personal loan

The previous topics didn't address my issue. My issue is with The Huntington National Bank, XXXX XXXX XXXX XXXXXXXX XXXX OH XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX XXXX. My issue is that my loan statement I receive states partial payment of {$140.00}. I make a full payment each month. The required payment is {$240.00}. I pay more than the scheduled payment. The statement does not include a beginning balance, interest charged, principal payment. It only states partial payment, which is incorrect terminology and Balance as of the date of the statement. I receive my statements online. This is a vehicle loan I received through the dealership. I called customer service and the rep stated well that's all we disclose on the statement. I tried to send a message through the website but I get a CHAT that can not grasp more than a couple of words to describe the issue. I feel that the Bank should be required to disclose a detailed breakdown of the payment.
Product: Credit reporting or other personal consumer reports

I have a credit card from XXXXXXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/2023, and XX/XX/2023, XX/XX/2023. There was an error on their part. I was never 30 days late on these dates.
Product: Money transfer, virtual currency, or money service

I received a cashier 's check in the mail that I had to sign for with my name on it for {$2800.00}. The bank on it is Hancock Bank issued by Whitney Bank. I called the bank and they said the check is fraudulent. The envelope it came in said it was sent from Safe Deliver XXXX XXXX XXXX XXXX XXXX, VA XXXX. I'm not sure why I even received this check, but I kind figured it was a scam from the start..thank you.
Product: Debt collection

around XX/XX/XXXX  me and my wife had let a Friend stay with us as they were are on hard times we did not know that this person was going on are computer ordering things using   XXXX   this was done without are consent or permission and we had no knowledge until it was too late. upon discovering this i notified my bank which was  XXXX  and reported the issue and fraud a credit was given to us for the charges and fees at this time.  XXXX  on the other hand was not so friendly under the circumstances. hours spent trying to get it corrected to no avail. on XX/XX/XXXX  i received a collection notice from a company called MRS and was told i owed   XXXX    to    XXXX    which i again tried to correct which i failed to do so. neither the collectgion agency or   XXXX   want to hear anything but when will i pay them for things i did not purchase. i contacted MRS on XX/XX/XXXX   XX/XX/XXXX and XX/XX/XXXX . ive received no help from them at all.
Product: Credit card

On XX/XX/year> I received in my mail and visa/debt card from NETSPEND. This card had routing number and account information from XXXX XXXX XXXX. I never apply for this card or requested it. I tried to call the company to find out why I received this card or how it was opened without my knowledge but was never able to speak to anyone. I got caught up in the automatic phone system. I was able to cancel and close the card but still do not know why or how this was opened. Especially has a person that has my credit locked down I do not understand how this can happen. 

In using XXXX I am not the only person this has happened with. But I never found out why this happened or how it happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am hoping I can finally get a response because the last 6 months I have not received responses to my request for investigations from XXXX, Equifax, and XXXX. My attorney has advise me to escalate this matter due to violations of not responding to my requests for investigations.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Account number XXXX I have been trying to contact the credit agencies and furnisher of this account, as after reviewing my credit report I noticed this charged off account that showing negatively on my reports. I am demanding CFPB to enforce federal consumer financial laws and Fair Collection Practices Act. I am demanding this account be removed from all reporting agencies asap. 

remove from all reporting agencies and mail me an updated report from all reporting agencies once updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I pulled my credit report and discovered that there was all kinds of outdated and incorrect personal information on there. I sent a letter to the 3 bureaus to remove it and they did not do it in the 30 required days. Here is what I sent to all 3 : Dear Consumer Department : I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

Thank you, in advance, for honoring my requests. Its my understanding that you have up to thirty days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Once you have removed the inaccurate information I would like my full completed and corrected credit reportshowing these changes mailed to XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I accidentally sent money to the wrong person via Zelle. There was no prompt to confirm the recipients identity, and the person kept the funds. Its crucial for Zelle to implement a confirmation step to ensure payments are sent to the correct individual.
Product: Credit card

I was charged {$130.00} for personal training on XX/XX/XXXX by XXXX XXXX XXXX XXXX  XXXX XXXX XXXX The merchant is located at XXXX XXXX XXXX, XXXX XXXX, XXXX. The merchant claimed in there statement response to Citibank that I did not request cancellation. I however requested cancellation on 4 separate occasions. Gym 's can be notorious for declining to process a customers cancellation request in an effort extend the recurring charges to the member. 

( A ) On XX/XX/XXXX I prepaid for four individual weeks total personal training sessions ( month of XXXX ). 

( B ) On XX/XX/XXXX, the gym opened. 

( C ) On XX/XX/XXXX, I was charged {$130.00} for two personal training sessions to begin in the month of XXXX. This charge occurred after I requested cancellation in person at the gym facility, with a representative by the name of XXXX on XX/XX/XXXX. This is more than 30 days advance of the month of XXXX, which is what the {$130.00} charge on XX/XX/XXXX was applicable for. 

First time I requested cancellation in person on XX/XX/XXXX. This request was not processed by XXXX XXXX due to employee error. 

Second time I requested cancellation on XX/XX/XXXX. 

Third time I requested cancellation on XX/XX/XXXX. 

Fourth time requested cancellation on XX/XX/XXXX, and it was only after this charge that the cancellation request was processed. This gym facility opened on XX/XX/XXXX and I do not believe the staff was adequately trained to handle my cancellation request hence the reason it took four separate attempts to cancel. 

The {$130.00} charge incurred on XX/XX/XXXX was for prepayment of personal training sessions on XX/XX/XXXX and XX/XX/XXXX. I was charged the {$130.00} for personal training charges for services that were not rendered as my last session with my personal training was on XX/XX/XXXX and the statement from XXXX XXXX also indicates that my last personal training session was on XX/XX/XXXX. 

I have provided supporting documentation to Citibank and my dispute status is still indicated in favor of the merchant ( XXXX XXXX ) who claim no notice of cancellation was received. I have no other credit disputes on my card with Citibank in the last XXXX years so it is not common for me to dispute a charge with a merchant. However, in this instance, the staff did not process my cancellation request and it took three additional requests before the merchant finally cancelled the recurring charges. 

Citibank Customer Service po box XXXX XXXX XXXX, SD XXXX XXXX CITIBANK CASE ID : XXXX
Product: Credit reporting or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Balance Owed : {$130.00} XXXX  XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$130.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX. I am a living man bringing a complaint against your company for the damages caused to me. Your company is reporting an incomplete account to my consumer report. You claim to have verified this information but it is still incomplete and inaccurate on my consumer report. You are reporting an account with an abbreviated name XXXX TRANSUNION is reporting a date last active of XX/XX/22, XXXX is reporting XX/XX/22, and XXXX is reporting XX/XX/22. How can this happen if the consumer reporting agencies claim to maintain maximum accuracy? I have told you about the payment history being incorrect and you still did not fix it. I have never been late on this account. The payment history should be updated to all dates paid as ok.
Product: Debt collection

Ive received a phone number from No caller ID and a male informed me that he was trying to deliver a court order and I asked and he gave me the information of the office that is attempting to collect the debut, I called the company and I explain that I wasnt living in the address or apartment that he is saying that Ive used that credit card ( XXXX ) I have moved since XXXX. The office representative didnt like or wanted me to give him information and he hung up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you that I was the victim of identity theft. 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/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$170.00} ; XXXX XXXX Balance : {$120.00} ; XXXX XXXX Balance : {$110.00} ; XXXX  XXXX Balance : {$300.00} ; XXXX XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$600.00} ; XXXX  XXXX Balance : {$490.00} ; XXXX  XXXX Balance : {$850.00} ; XXXX  XXXX Balance : {$2100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute a reasonable reinvestigation o disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 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 furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has either corrected or remove dispute items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am once again unable to unfreeze my credit report with Experian. I could temporarily unfreeze my credit report with XXXX and XXXX in less than 5 minutes. However, despite having a working account with Experian, I can not get past a " Free Offer '' once I successfully log in. The site does not work, and considering I am XXXX  military, I can not contact anyone during my working hours. Their website is either purposely confusing or poorly designed. Either way, this is preventing me from obtaining a mortgage. Their phone system only directs you to their ineffective site. See attached screen shots.
Product: Credit card or prepaid card

On XX/XX/XXXX, Citibank responded to my complaint that I filed with CFPB under complaint # XXXX. The company responded with the following : " A letter will be sent to the customer advising that the inquiries dated XX/XX/XXXX were changed to non-display inquiries. We explained that non-display inquiries are viewable to her but not to other creditors. '' Citibank never sent me a letter and this company never changed the two inquiries from hard to soft inquiries. Creditors can still view these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting account number and creditor name in this account wrong ( XXXX XXXX XXXX XXXX ) Please correct this information or removed the account from my credit report.
Product: Credit reporting or other personal consumer reports

I have checked my credit report and I have discovered fraudulent hard inquiries, these hard inquiries are XXXX XXXX XXXX XX/XX/XXXX | XXXX XXXX XXXX XX/XX/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  Please delete them from my credit report.
Product: Mortgage

I had a home equity loan with Nationstar for XXXX and I defaulted and they filed to foreclose and I did n't want to lose the house so I filed bankruptcy and tried many times to get a modification well they finally did the modification but I originally had the home equity loan for 15 years well now they modified it for 40 years and I will have to pay back on XXXX the house is only worth say XXXX I do n't have access to this account via internet or website they claim because I am currently in bankruptcy and it 's really annoying me that I ca n't get any information on the website. They need to go with the original amount and the original term XXXX for 15 years period.
Product: Credit reporting or other personal consumer reports

Equifax has failed in its Duties to correct and update information. In an ordinary course of business, I furnace information to one or more consumer reporting agencies about my transaction experience as a consumer and furnished a consumer reporting agencys information that determined the information is not complete or inaccurate by notifying the consumer reporting agency and providing to the agencies any correction to the information or any additional information that is necessary to make the information I provided to the agency complete accurately and should not after that furnace to the agency any of the information that remains not completed or accurate. 

The XXXX XXXX Information was disputed with all agencies. The data was sent to the Data furnisher and only corrected and updated on my XXXX and XXXX. XXXX failed to correct and update my credit report which is in clear violation of the FCRA. 
The Information on my credit report still shows two late payments of 30 days late for XX/XX/2018 and XX/XX/2018. Therefore, I'm reinvestigating this account asking Equifax to please update and correct
Product: Credit card or prepaid card

I was awarded $ XXXX  in prepaid reward   XXXX    cards from my past employer. The cards are thru  XXXX  These cards had a quick expiration date  XX/XX/XXXX  and when I tried to use them, they kept being declined. I conatcted the company over 5 times during   XXXX   and   XXXX   XXXX    I was told to keep trying at other stores and some of the stores on thier website had stopped accepting these prepaid cards. I was  XXXX  as a   XXXX   employee in   XXXX   XXXX   to   XXXX   XXXX   back to  XXXX . I am now back into the states and these cards were expired. I tried getting this company to replace my   XXXX   cards valued at $  XXXX    each. I was told several time they will call or email me back. As of today I still have these worthless cards. If these cards worked the first time, they would have never expired. I will list all the card numbers with the hope of getting these replace by a check or a usefull prepaid cards.   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: Mortgage

On XX/XX/2022, I made a regular monthly payment to Mr. Cooper ( mortgage company ) in the amount of {$XXXX} which was applied correctly across the categories of Principal, Interest, and Escrow. 

Additionally, I sent a check for {$10000.00} with a payment coupon which was marked ADDITIONAL PRINCIPAL ONLY. This payment was received and posted to my account today, XX/XX/2022. But it was treated improperly and posted to next months XX/XX/2022 billing and applied to interest and escrow instead of all of it going to principal which was clearly requested. Total payments sent this month are {$XXXX} but the balance of my account was only reduced by approx {$9000.00} as a result of this error ( beginning balance {$XXXX}, ending balance {$XXXX} despite a $ XXXX principal payment plus a regular payment ). 

I contacted Mr. Cooper by phone and spoke to a representative who seemed totally confused by my question. She said she made a " correction '' but that it would take several days to take effect. I asked for my new remaining balance to verify the correction and she said she was unable to calculate it. I have checked my online account and no changes have been made. I have no confidence the change will be made and after researching this topic online, have learned this is a common mortgage company practice which is basically theft from the customer. Please help me get this corrected. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021