23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I searched on line for Bank offering bonus to open checking account and Key Bank was offering {$300.00}. I tried to open on line using codes XXXX, expired, then XXXX which said I would have to go Bank to process. I did that XX/XX/2019. Spoke to XXXX XXXX. I asked her if I met qualifications for the bonus, and she said " yes ''. Since opening the account I have checked my balance regularly hoping to see the bonus amount. I checked in with the customer service around XX/XX/XXXX and they said it COULD take up to 90 days. On XX/XX/XXXX, I called customer service and they advised me that my account was NOT opened with a bonus offer!!! On XX/XX/XXXX, I went to the bank, spoke to XXXX XXXX, he said there was nothing he could do but would let XXXX ( the manager ) know. I expressed my disappointment, said this sounded like a bait and switch, and the bonus was why I was opening the account. I also said that I liked the friendliness of the people there. I told him I was going to do all I could to fix this. He, very non shalontly ( sp ), said basically nothing could be done. So, I left. I intend to try to speak with XXXX, but I left my number with him for her and haven't heard from her. If this isn't fixed, I have to say their advertising online is deceiving and fraudulent. It should be changed if not true. I am anxiously awaiting for your response and I thank you in advance.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Incorrect Information XXXX XXXXXXXX XXXX XXXX IncorrectPersonalEmployers XXXX XXXX XXXX  - Incorrect Employers XXXX XXXX XXXX - Incorrect addresses XXXX XXXX XXXX XXXX XXXX Incorrect addresses XXXXXXXX XXXX XXXX  - Incorrect Names
Product: Mortgage

We are working with a local Bank here in XXXX, Wyoming to get our Interest Rate lowered and the Bank submitted a Title check of our Loan and found that the previous Mortage Holder of our Loan ( XXXX ) that went Bankrupt during 2008 the loan was acquired by Bank Of America and has us with the Inital Loan not being eliminated.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below 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

I recently reviewed a copy of my credit report and realized that Transunion is not in compliance when reporting information to my credit report. The information they are reporting is NOT correct, accurate, and/or verifiable, and some of the information in my credit report seems to have been mixed or merged. Pursuant to the FCRA ( Fair Credit Reporting Act ), 12 CFR 1022, and the standards of their industry, all information reported by credit reporting agencies MUST be verifiable, MUST match, and MUST be accurate to ensure the integrity and consistency of the information they report. I've also requested Transunion to provide me with the agreement that bears the signature of the alleged debtor and proof of photo identification that was presented at the time of incurring these debts in order to ensure they properly verified these accounts. These errors and negligence have been causing me great inconveniences and have affected my ability to utilize my credit for personal, household, and family purposes. The referenced accounts need to be removed immediately and Id like to receive a copy of my credit report reflecting all changes made immediately. I have also attached photos of my credit report reflecting these numerous errors. 
XXXX XXXX XXXX XXXXXXXX XXXX - credit card account XXXX XXXX XXXX loan account XXXX XXXX XXXX XXXX XXXX - credit card account XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to correct this problem since last year. They reported my credit report as being late two months in roll even after they called me and offered me an extension due to COVID-19 global pandemic that we were going through in 2020. I have advised them that I was covered by the Cares Act Section 4021 and no matter what I say they are still saying that they reported the account accurately. I asked them if anyone there knows that it was an executive order signed by the president that protected everyone if the accounts was up to date and if you look at my credit card account I was doing just fine. I have tried numerous to rectify this problem but to no avail they still wan to do what they want to do. They told me to write a dispute to FCRA - Credit Bureau XXXX XXXX. XXXX XXXX XXXX, DE ... this is a company inside of Barclay so they are not doing anything and trying to ruin not only my credit but so many others. This is a waste of time.
Product: Debt collection

On XX/XX/year>, I was driving a XXXX rental car on XXXX XXXX in XXXX XXXX, and was rear-ended in a traffic accident. XXXX XXXX XXXX responded and provided a report of the incident which I forwarded to XXXX. XXXX was paid the damage to their vehicle by the individual responsible for the crash by their XXXX XXXX coverage. However, XXXX informed XXXX they would not be paying for the various fees charged by XXXX which were loss of use fee, diminished value fee, administrative fee, etc. XXXX then sent me a claim letter to pay these fees in the amount of {$920.00}. I called my insurance company, XXXX, and asked them to cover this claim as I have full coverage and additional rental coverage with XXXX. They said they would contact XXXX regarding this. XXXX then referred this matter to a collections agency who sent me a demand letter for {$920.00}. XXXX insurance told me that they do not cover the fees XXXX is charging and that I could try and negotiate a lower amount. The collections agency told me I signed the rental contract which has a regardless of fault clause. Very troubled that they are using damaging my credit as leverage to XXXX these randoms fee from me, rather than go after the person who is known to be at fault who caused the accident. Also very disappointed that my insurance company will not pay this claim when I have been a customer for XXXX years without ever having a claim from an accident, and they and/or XXXX could get money owed from the person responsible.
Product: Credit reporting or other personal consumer reports

I have two instances of late payment being inaccurately reported on my credit file without my express consent in violation of 15 U.S Code 1666b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent collection agency a letter asking for Verification/validation of account they did not sent proper verification I have enclosed what they sent back. They didnt provide everything I requested account have not been properly verified.
Product: Checking or savings account

My Online banking was hacked and someone stole {$1900.00}. It has been 5 months and the bank is refusing to give me back my money. A couple months ago I was on vacation in XXXX and my online banking was hacked. My vacation date was XX/XX/XXXX - XX/XX/2020. During this period of time my American cell number was inactive because I was using a XXXX sim card. On Tuesday XX/XX/XXXX while I was in XXXX, I recognized two unauthorized transactions in my savings account ; {$600.00} and {$500.00} was transferred to an account under the name of XXXX on XX/XX/XXXX and XX/XX/XXXX without my authorization. I tried contacting Bank of America about these transactions but it was difficult considering my american number was inactive. On XX/XX/XXXX the morning after I got back from XXXX, I went to contact my bank about these unauthorized charges and that is when I saw a third unauthorized transaction of {$800.00} that happened on XX/XX/2020. I filed my complaint with the bank and they denied my claim saying that an authorization code was sent to my cell number for these transactions, but I know that did not happen because I did not even have in my American sim card in my phone. I refiled the claim explaining to them that I had nothing to do with these unauthorized transactions and they have been sending me in circles ever since then. They won't reach out to me if they need additional information from me unless I call for an update and then they say " well we need more information ''. They ask for paperwork and I fax it to them multiple times with confirmation on my end saying that they have received the faxed files and then when I call they would say they have not received the files. they asked for a detailed phone billing showing my cell line activities for the month, I paid for the detailed phone bill faxed it to them then after a couple weeks thinking that my case is making progress I call for an update and they they tell me they need a letter from the phone company and not a detailed phone bill. I requested to speak to the investigator on the case, they said they would put in the request and it has been two weeks and I still have not received a call from the investigator. This has been a really frustrating experience because I am currently a college student and the money that was stolen was basically all of my savings. Bank of America has not once shown sympathy for my experience or even apologize for the inconvenience they have caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has agreed to remove their accounts from my credit report. This is the second request that I have submitted to have this negative information removed. see attached letter I am now demanding that this account be removed in the next 3-4 days.
Product: Credit card

I 'm writing in regards to my Walmart Credit card from Synchrony Bank, On XXXX XXXX 2017 I had called in to Synchrony because I had noticed that my credit card payments had not been coming out of my bank account. After talking to the rep he stated that my account was closed on XXXX XXXX 2 days prior. My complaint is Walmart synchrony, never made an attempt to notify me in writing or by phone that my account was having issues withdrawing from my bank. They closed my account without No prior attempt to resolve this matter. I did attempt to make a payment of {$180.00} earlier in the month Which did not post so then I attempted again on the XXXX which did post but my account had already been closed and my online access had been locked out, I could only make a payment over the phone. After passing me around to multiple departments from all over the world, i finally spoke to someone who told me my account was closed and that there was nothing else to discuss. To top this off i get a letter in the mail on XXXX XXXX from Synchrony stating that my account had been closed, after my account was already closed, no prior attempt EVER. This was the first and ONLY letter i received. Then a week later i get a letter from a debt collection agency stating that my account had been placed in collection. Not only did they not EVER give me the opportunity to resolve this matter in ample time, they sent my account, after accepting my payment of {$180.00} to a third party debt collector. Not only has this tarnished my credit, they crippled my ability to keep my good credit rating as a consumer. I want my account reopened the debt collection removed. I will pay the remaining balance off, and will never use your card again, but this has to be corrected. You ruined my credit, i am unable to Progress my family in today 's society to better ourselves because your policy of neglect to your customers. I feel i was WRONGFULLY, treated as a consumer, and want this resolved.
Product: Credit card or prepaid card

Visa Card ending in XXXX, XXXX Statement included a 0 % balance transfer check through XX/XX/2020 with a 4 % fee, Credit Line listed on statement was {$25000.00}. Paid {$1.00} balance in full on credit card, On wells Fargo website listed Credit Line {$25000.00}, Available Credit {$25000.00}. Submitted Balance transfer for {$24000.00}. {$24000.00} posted to account, Transaction Fee of {$960.00} posted to account, Account balance {$25000.00}. Received message " Your account is over the credit limit, {$7100.00} due NOW '' Checked on website and credit limit now shows {$18000.00}. It is illegal to offer a balance transfer rate and then immediately lower the credit line with the sole purpose of inducing a fee. I contacted Wells Fargo through secure email and received a generic reply which did not attempt to address the problem.
Product: Credit card or prepaid card

XXXXFor a while I thought XXXX XXXX XXXX XXXX  was a gift from the gods. It had turned out that when I went to dispute what was some horrific unauthorized charges I imagine it stemmed from the neighborhood 's I work in helping people as a pastor time began to shut down my accounts for filing those disputes. It is apparent that time only which is to act like a bank when it benefits them financially but puts nothing behind the XXXX guarantee and treats those of us who may be below High income levels different than they do the regular customers. No attention was paid to my filings XXXX rides charges in XX/XX/2021 and XXXX of 2021 through me where they begin to close every single account I had down including ones that had balances in and I never saw the money from XXXX XXXXXXXX or any other product. The email attached to my account was XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no oneseems to care, that I want to dispute specific records in my credit file that do not belong tome, or that I have signed any agreement. The items I'm challenging have nothing to do withany transactions I've done or authorized to gain products, services, or money. Pleaseremove the following items : XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ) XXXX Balance : {$390.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$79.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$510.00} ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$160.00} ; XXXX  XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX : {$390.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX : {$420.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  7Bankruptcy Discharged XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!
Product: Consumer Loan

In XXXX I switched banks and used the new banks online bill pay address for toyota financial to pay my auto lease. Unfortunately, toyota was unable to find my payment. It took three months to correct the problem and it resulted in my account being 30 days overdue. I wrote to them in XXXX and they refused to remove the credit notice on my account. Here we are in XXXX and it IS STILL ON MY CREDIT REPORT AND TOYOTA HAS REFUSED TO REMOVE THE PROBLEM ON MY CREDIT REPORT. I spoke with supervisor XXXX XXXX XXXX, and she was steadfast in her refusal help me with this issue. I would greatly appreciate your help in getting toyota financial to remove this blight on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file and request removal. 
Please remove hard inquiries from XX/XX/XXXX. And remove all past debts from XX/XX/XXXX-XX/XX/XXXX. All credit accounts and judgments debts are inaccurate and incorrect because they are 10 years old and hindering employment. 

These items of hard inquiries and past credit debts disputed by XXXX, XXXX, Experian and XXXX XXXX I am requesting that the items be removed. 

Please reinvestigate this [ these ] matter [ s ] and [ delete or correct ] the disputed item [ s ] as soon as possible. 

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

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are unauthorized inquiries reporting on my Experian credit report
Product: Credit reporting or other personal consumer reports

To whom it XXXX concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to XXXX XXXX XXXX ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX SC XXXX Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$450.00} 2. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$15000.00} 3. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$15000.00} 4. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$22000.00} 5. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$1400.00} 6. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$3000.00} 7. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$11000.00} 8. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$11000.00} 9. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$18000.00} Inquiries Account name : XXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXX Account Opened : XX/XX/XXXX Account name : XX/XX/XXXX Amount Opened : XX/XX/XXXX Account name : XXXX XXXX Amount Opened : XX/XX/XXXX 5.Account name : XXXX Amount Opened : XX/XX/XXXX 6.Account name : XXXX Amount Opened:XXXX 7.Account name : XX/XX/XXXX Amount Opened : XX/XX/XXXX 8.Account name : XX/XX/XXXX Amount Opened : XX/XX/XXXX 9.Account name :XX/XX/XXXXAmount Opened : XX/XX/XXXX
Product: Credit card or prepaid card

Yesterday XXXX/XXXX/23 I spent over 5 hours on the phone dealing with Bloomingdales Amex customer service trying to get a credit limit increase to {$18000.00} for a purchase of a Diamond bracelet online. I was sent in circles I was argued with I was hung up on and I was given a disgusting attitude especially by supervisor XXXX. Not only has BLOOMINGDALES refused to assist with my credit limit increase none of the agents asked me for my account password except 1 person. I strictly asked for an account password be placed because for some reason your stupid system doesnt want to process a OTP using my phone number. Your computer system is so stupid. One month it lets me use my number for OTP the next month it doesnt. Ive had the same cellphone number for XXXX years. No other banks have this problem but YOU! The fact you failed to use my password which is to supersede the OTP XXXX me off to no end. Im furious. Then when I asked to talk to fraud to get answer why it wasnt being done the agent seemed to not want to be present. I asked her what her problem was she said nothing I told her she seemed out of it and she said yeah well Im tired. How unprofessional? Who is running this company?? I expect this service from XXXX XXXX but Bloomingdales? Im disgusted.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Inquiry is not authorized by me. I haven't spoken to this lender at the said date.