23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I urgently request that your bureau take immediate and thorough action regarding my identity theft disputes. I insist that you prioritize my case, conduct a comprehensive investigation, and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I seek a clearly defined timeline for resolution and regular updates on the progress of my dispute. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a consumer, I firmly believe that it is my right to have my concerns addressed in a timely and diligent manner. Should your bureau fail to provide a satisfactory response within a reasonable timeframe, I am fully prepared to seek legal counsel and escalate this matter to the appropriate regulatory authorities to ensure that justice is served.

I am willing to extend one final opportunity for you to address my identity theft request. Failure to do so will leave me with no choice but to pursue legal action through the judicial system. In such a scenario, you will be held accountable for the harm inflicted upon my reputation, and credit, and the emotional distress I have endured throughout this ordeal. It is highly likely that the definition of a material fact will become clear during legal proceedings, and you may be required to compensate me for your negligence.
Product: Student loan

On XX/XX/XXXX I became XXXX ( not related to the virus ). I contacted the servicer for my Department of Education student loan ( Navient ) to change my Income Based Repayment plan. They acknowledged receiving my application and income verification documents. The student loan payment I made on my Income Based Repayment plan in XXXX was {$640.00} but then based upon my XXXX IBR application they changed my payment amount to {$1500.00} Under my XXXX insurance, I receive only XXXX of my regular income. This should apply to my Income Based Repayment plan as well, thus my recalculated student loan payment should be {$420.00} and this is the payment amount my IBR plan should indicate until my income changes or the one year IBR annual renewal occurs. 

During XXXX  school ( starting in XXXX ) I obtained student loans from several sources, however many years ago I refinanced all my student loans with the Department of Education at an interest rate of 4.25 % - then at some point Navient began collecting the payments. I understand that under the CARES act these student loan payments are not to be collected between XXXX and XXXX. 

Although currently on a XXXX, I am employed by a XXXX XXXXy XXXX XXXX XXXX for 4 years and have made monthly payments on my IBR plan going back at least 18 years. I worked for XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  at XXXX, XXXX XXXX, XXXX XXXX XXXX, and founded XXXX XXXX XXXX in XXXX. If my 5 years of work for the XXXX XXXX XXXX ( in the Kingdom of XXXX ) had been through the XXXX XXXX, or if I had been working in XXXX XXXX through XXXX XXXX XXXX, then that employment would more clearly apply toward Public Service Loan Forgiveness. But I believe that my employment during this period does apply toward a Public Service Loan Forgiveness. Is not working for the XXXX XXXX XXXX XXXX XXXX XXXX   also public service? I believe that it is, and thus a combined 4 years at XXXX, 5 years in XXXX, and 15 months at the XXXX XXXX XXXX program applied towards PSLF should release me from any further servitude to Navient.
Product: Credit reporting or other personal consumer reports

I have hard inquiries on my report from the same company several of times. I think I have fraudulent activity.
Product: Money transfer, virtual currency, or money service

I was scammed by a cashapp customer posing as a hairstylist. I sent this person a deposit to schedule an appointment slot. 

Many people had already been scammed by this cashapp customer and complained to cashapp but yet they still kept this scammers account open, which put me at jeopardy of being scammed as well. 

I have asked cashapp to return my money and they have refused. 

I also filed a fraud complaint and this company STILL has kept this scammers account open to scam others. 

This company should be held accountable for not taking the steps to close the scammers account leaving innocent people like myself at risk.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts 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. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth 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 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
Product: Debt collection

I had debt from Conns I went online and it said the payoff was XXXX and a past due balance of XXXX. I paid the XXXX on XX/XX/XXXX. My bank posted payment on XX/XX/XXXX. They say they received it on XX/XX/XXXX but I am getting calls and e-mails that I owe XXXX dollars. They will not resolve this issue
Product: Checking or savings account

I had a membership with XXXX XXXX with my ex-wife in XXXX. I cancelled this account IN PERSON in XXXX of XXXX to the location at XXXX XXXX XXXX XXXX in XXXX XXXX. 

I continued to be billed $ XXXX x XXXX accounts for a total of $ XXXX for 4 years. 

Twice during that time, including today I have spoken with Chase Bank about this issue. Today, Chase initiated a refund and credit along with an investigation to see why the payments were allowed to continue. 

I did not pay close enough attention to my account, I suppose, but in the end, I not only followed the procedure outlined on XXXX XXXX XXXX website, but I also sent in a letter in XXXX of XXXX and followed up with a phone call to confirm receipt. 

I feel as if I am do my {$20.00} per month back from either XXXX at the time of the initial in person cancellation OR from the date of the letter in XX/XX/XXXX. 

This issue with XXXX XXXX is not isolated to me, it is a common issue and complaint with them. As a matter of fact, when I spoke with the representative at Chase this morning he shared a similar story experience that his mother had with them and they were demanding that she come in to a location in person to cancel and she had moved out of state to a place where there were no XXXX XXXX locations. 

XXXX XXXX continues to withdraw $ XXXX ( x 2 ) from my account each month and once a year they debit {$19.00}. 

This needs to stop, not just for me, but for others as well. You will find thousands of victims, I'm sure. 

When I contacted them today, they do not even have my membership still in their system YET, they continue to bill me.
Product: Credit card or prepaid card

Benefit Claim Number: XXXX-XXXX On XX/XX/2019 I received a denial letter for lost luggage reimbursement claim # XXXX-XXXX. The denial reason for the claim states that the carrier was not notified immediately following the loss as required, under the lost luggage program.The Chase Credit Card Benefit Guide clearly states “Please note that failure to provide a claim notice within twenty (20) days will not invalidate or reduce any otherwise valid claim if notice is given as soon as is reasonably possible”.  This requirement was met as well. This claim was unreasonably denied in bad faith to avoid making payment for an eligible claim under the Chase Credit Card Benefits policy.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

See attachment. Transunion and XXXX have reported fraudulent inquiries on my credit report that I have no knowledge of. Please delete this unauthorized inquires.
Product: Credit card

I have a Military Star credit card that can be used at Army/Air Force Exchange stores and XXXX XXXX XXXX XXXX XXXX I have had the account since XX/XX/XXXX. The card has a rewards program for a {$20.00} reward credit after each {$1000.00} worth of qualifying purchases ( XXXX points for each dollar or each XXXX points ). Im using the card for about a {$1000.00} in purchases every XXXX weeks. The rewards are a big reason I use the card. 
To begin, I received cards for rewards regularly through the mail. About a year ago, Military Star changed its policy to send the rewards in emails. 
I began receiving the emails for rewards at first, but, earlier this year I noticed I had not received a reward for an extended period. Admittedly, I was not monitoring the account close enough to pinpoint exactly when the last reward was received, but I believe it was before this summer. I am checking spam/junk files for the emails. 
Customer Service tells me a reward was issued in XX/XX/XXXX, and, most recently, I made a payment on XX/XX/XXXX, for which a reward should have been issued. I have received neither. 
I have previously requested that they reissue past rewards that have not expired ( 90 days from the date of issue ) and that have not been redeemed. I dont know what the result was because I have not been able to get that information from AAFES XXXX 
I have questions about this : XXXX ) How many rewards have been issued since XXXX of this year? 
XXXX ) How many have been redeemed? Where were they redeemed? I suspect someone may be diverting my rewards emails, and, if thats true, they are probably being redeemed somewhere other than XXXX XXXX, VA, which is where I redeem all rewards Ive received. 
I have just changed my email contact address on the today in an effort to thwart fraudulent efforts to obtain the rewards. 
How am I to recover the rewards for which Im entitled?
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit card or prepaid card

I have been a cardholder of the XXXX XXXX XXXX XXXX, serviced by XXXX XXXX, since XX/XX/XXXX. In XX/XX/XXXX, I received a limited time offer to receive rewards points for each day the credit card was used during the month of XX/XX/XXXX - no special purchase necessary to qualify - simply use the card each day and all purchase types would qualify. So, I signed up for the offer and used the credit card consistently during XX/XX/XXXXto earn the stated rewards. As of XX/XX/XXXX XXXX XXXX reported ( over the phone on XX/XX/XXXX ) I had accumulated XXXX rewards points from the offer.

Unfortunately, XXXX XXXX is now refusing to provide the reward certificate earned from the XXXX  rewards points. They are stating that as of XX/XX/XXXX the program was transition to a new XXXX   program called All Rewards. The new program is not managed by XXXX XXXX but instead by XXXX XXXX XXXX and is likened to starting over with a brand new rewards program ( per the XXXX XXXX phone rep I spoke with on XX/XX/XXXX ), i.e. no account information is transferred to the new program and a new account must be created to participate. XXXX XXXX ( phone rep spoken to on XX/XX/XXXX ) is stating that they were somehow unaware the points earned previous to the transition would not be credited to the new program.

My concern is that XXXX XXXX, who is servicing a Mastercard ( not just a store credit card ), was the entity that provided the offer in XX/XX/XXXX but is now declining to acknowledge responsibility. Per the phone rep ( on XX/XX/XXXX ) all my points are no longer accessible. I feel that XXXX XXXX 's actions are dishonest and unlawful and that they should be held accountable for defaulting on the offer they endorsed.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX You are in Violation of The FCRA You must supply to me the method of your investigation and VALIDATION not verify everything. 

You must remove the Fraud alter from my credit profile!!! 

You must remove the inquiry for XXXX from my credit report!!!!! I never applied to XXXX DO NOT OPEN A FRUAD ALERT!!!! 

You must remove payment plan from XXXX there is no payment plain account is closed I request the method of verification, under the FCRA section 611 ( a ) ( 7 ). 


Escalate his call to a supervisor do not use the e-Oscar. System You must update my credit score!!!!
Product: Debt collection

XXXX XXXX, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 On these dates, the company contacted me regarding a medical debt. I told them i am not verifying anything, send me the itemized bill and the have not. I told them to stop contacting me and they keep calling. 
They keep calling from XXXX
Product: Checking or savings account

Chase bank send an offer in the mail to get {$300.00} bonus money when i open a new checking account with direct deposit. bonus will be deposited within 10 days of direct deposit hitting the new account. After direct deposit hit, chase didn't deposit any {$300.00} into my account so i called the customer service line, i was told there in no incentive payment pending for me and they didn't see any coupon added to my new account when i opened it. i was told to contact the branch where i opened my account with. I contacted them and i was told the guy is with a client and will call me back. they took my name and number but no one called me back. the next day i went into the branch myself and spoke to XXXX the man who opened my account. he stated he didn't know what happen and he will have to get his supervisor to approved the bonus but his supervisor is gone for the day and will informed her the next day. i didn't hear from them again after couple of days, i called and spoke to XXXX and ask about my bonus, he said his supervisor will try and get it approved and now it's been almost 2 weeks and i haven't heard from them again and no money is deposited in my account.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

FCRA Vilolations not mine notmy XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Account charged off/Never late. {$4300.00} written off. {$4300.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$4200.00} Status Account charged off/Never late. {$5500.00} written off. {$4200.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$5800.00} written off. 
not my morgage XXXX XXXX XXXXXXXX XXXX Account number XXXX Account type FHA Mortgage ws never late DEPT OF ED/XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Open. 
DEPT OF ED/XXXX  Potentially negative Date opened XXXX Balance {$4900.00} Status Open.

DEPT OF ED/XXXX  Potentially negative Date opened XXXX  Balance {$700.00} Status Open.

DEPT OF ED/XXXX  Potentially negative Date opened XXXX Balance {$6700.00} Status Open.

DEPT OF ED/XXXX  Potentially negative Date opened XXXX Balance {$4000.00} Status Open.

DEPT OF ED/XXXX  Potentially negative Date opened XXXX  Balance {$9500.00} Status Open.

DEPT OF ED/XXXX Potentially negative Date opened XXXX  Balance {$13000.00} Status Open.

DEPT OF ED/XXXX  Potentially negative Date opened XXXX Balance {$3700.00} Status Open.

DEPT OF ED/XXXX  Potentially negative Date opened XXXX  Balance {$2600.00} Status Open.

DEPT OF ED/XXXX  Potentially negative Date opened XXXX Balance {$580.00} Status Open.

DEPT OF ED/XXXX  Potentially negative Date opened XXXX Balance {$620.00} Status Open.

DEPT OF ED/XXXX  Potentially negative Date opened XXXX Balance {$7000.00} Status Open.

DEPT OF ED/XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$6900.00} Status Open. 
not my addreses XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX not my phone numbers ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX not my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my inquiries XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX
Product: Mortgage

Hurricane Ian, XXXX XXXX in XX/XX/XXXX, UWM gave us a 3 month forbearance plan to add the mortgage payments to the end of our mortgage. This was extended an additional 3 months to begin XX/XX/XXXX. After the plan was coming to an end in XX/XX/XXXX, UWM sold the mortgage to XXXX XXXX XXXX XXXX  and would no longer be able to help with our repayment plan as promised. We called UWM multiple times talking to XXXX, XXXX XXXX and XXXX. All of these discussions nothing was talked about except adding these 6 payments to the end of the mortgage and that we would be able to talk with UWM after the end. XX/XX/XXXX. 
UWM conveniently sold the mortgage XX/XX/XXXX. As a result of UWM not honoring what their representatives stated, we received a letter from XXXX XXXX XXXX XXXX  dated XX/XX/XXXX, stating that our loan is in default, and they want to foreclose on the mortgage instead of doing what UWM said they would do originally. 
I always made sure that UWM representatives understood that we wanted to add the payments to the end of our mortgage. We were never told anything about a possible foreclosure. 
We live on a very limited income and value our credit scores. I have been on XXXX and my wife is on social security income. This caused us to go out and get a loan to pay off the forbearance plan and get it up to date so we would NOT lose our home. 
Shame on you.
Product: Debt collection

I have been having an issue with XXXX since purchasing a vehicle on XX/XX/year>. The car was since returned in a volunteer repossession and resold. I never received a proof of sale for the amount but have been receiving phone calls and demand for payment letters from a collection agency called Firstsource and XXXX is still reporting a balance owed to them on my credit report as well. XXXX are reporting a balance of {$13000.00} and Firstsource {$12000.00} plus fees, {$14000.00}. I have sent letters and made calls to both agencies. i have expressed that under laws I have the right to a fair and accurate report. I have spoken with a consumer law attorney and my next step would be to file a lawsuit with this company.
Product: Credit reporting

Eqifax reported information on my account incorrect XXXX appears in my account as a a collection record. I have no knot of this account. This account was previously deleted and now has appeared on my report XXXX.