23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received a pre-approved offer in the mail for a Mastercard branded Destiny & Indigo ( 2 separate mailers ). The benefits weren't clearly explained and when I asked for clarification ( calling the customer service number ) they were unable to provide more information and suggest I write it to the address on file. I was interested in the legacy benefits that are associated with the Mastercard brand. I wrote the company on XX/XX/year> and didn't receive a response until XX/XX/year> that they had closed the " open '' account due to inactivity. They failed to acknowledge my request or provide clarification as requested, proceeded to open the account and reported such to the credit bureaus.
Product: Debt collection

I have been actively disputing Calvary Portfolio Services with regards to a debt that I do not owe. I have asked for verification of debt and only received a copy of a payment statement which does not constitute verification of debt. I was placed on probation as my security clearance is at risk with my job, I was given 90 days to clear this matter. Calvary Portfolio Services stated that I owe {$610.00} according to my credit report dated XX/XX/XXXX. I've written letter after letter and still have not received any verification bearing my signature and a contract stating that I owe Calvary Portfolio Services a debt.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX : {$28000.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX  XXXX XXXX Balance : {$350.00} ; XXXX XXXX, XXXX XXXX XXXX : {$4600.00} ; XXXX, XXXX XXXX XXXX XXXX {$3800.00} ; XXXX XXXX XXXXF XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX  XXXX XXXX Balance : {$510.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$28000.00} XXXX
Product: Credit card or prepaid card

This complaint is being submitted with regard to a {$100.00} XXXX Gift Card I purchased from the XXXX Grocery Store located at XXXX XXXX XXXX XXXX, XXXX, VA XXXX on XX/XX/2020. I purchased a couple of Gift Cards in XXXX to be used as XXXX gifts when I was receiving extra stimulus benefits. 

The gift card was given to my granddaughter as her XXXX gift, but she was unable to use or activate it. I consequently retrieved the card from her and contacted XXXX USA in an effort to resolve this issue. 

After my call to XXXX USA I was directed to submit a fax along with a copy of both sides of the XXXX gift card, a copy of the XXXX Sales Receipt and my contact information. 

I threw away the original cash register receipt, but I checked my bank account and I was later able to determine that I made the purchase on XX/XX/XXXX, and with the help of my XXXX Plus Shoppers Card the XXXX Corporate Bookkeeping Office provided me with a copy of the Receipt Details statement for my entire purchase on that date. 

In my effort to resolve this issue I made multiple follow-up phone calls and submitted/faxed the requested information and documents THREE times as requested/required. In my follow-up phone calls I was told that I had to CONTINUE submitting/faxing the SAME information once again. 

The first time that I called I was told that I needed to submit a copy of a government ID, but I was later told that I only needed to submit " contact information '' which I did. ( I overheard the phone agent confer with someone about that specific directive. ). When I called to follow up on the matter I was first told that I needed to submit a government ID ; later I was told that they did not receive the info. I submitted the info a third time and I was told that the ID/license was too dark and I also needed the original receipt. I am not able to provide the original receipt, but I provided them with proof of purchase information that I obtained from the XXXX XXXX XXXX based on my debit card purchase and my XXXX Plus Shoppers Card. I also asked if I could submit the required information via email, because I do not have a fax machine and I was told that I could not. 

Please note that when calling XXXX USA a voice recording indicates that their phone calls are recorded. I make note of this as proof/evidence of my effort ( s ), in the hope that this can support my complaint. 

I shared with the XXXX USA staff that I was concerned that I was getting the run around as part of their effort to discourage me from following up on my claim, because this is a common practice with some businesses, and this is also why I am submitting this complaint. 

Your efforts toward resolving this issue are greatly appreciated.
Product: Credit reporting, credit repair services, 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 confidentiality under 15 usc 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify account that isnt reporting correctly.

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 BEEN A VICTIM OF IDENTITY THEFT. I GOT A POLICE REPORT AND SENT IT TO EQUIFX SEVERAL TIMES BUT THEY REFUSE TO REMOVE THE FRAUD ACCOUNT AND ADDRESS. IT HAS BEEN MONTHS THAT I HAVE BEEN ARGUING WITH THEM TO TAKE CARE IF THE FRAUD INFORMATION ON MY CREDIT REPORTAND BY FCRA 805B THEY ARE OBLIGATED TO BLOCK/REMOVE ACCOUNTS/INFORMATION IF IT IS PROVIDED WITH A VALID POLICE REPORT WITHIN 4 BUSINESS DAYS. I DO NOT KNOW WHY EQUIFAX IS NOT REMOVING THE FRAUD ACCOUNT AND ADDRESS THAT IS IDENTITY THEFT.
Product: Bank account or service

I brought in a mailer coupon for a {$300.00} checking bonus XX/XX/XXXX to a local Regions Bank on XXXX XXXX XXXX, XXXX, TX XXXX, and opened a lifegreen checking with the bank. The branch manager told me they needed the complete mail for verification for which I already threw away because there was a detachable coupon from the mailer which did not state I needed the complete mailer for the bonus. The manager proceeded to open the account anyway stating it was okay because i had the coupon. 3 months passed by and i did not get the bonus despite having fulfilled the requirement ( XXXX debit transactions ) .This was XX/XX/XXXX, which was 3 months after i completed the requirement. I went in to talk to them, and one of the bankers ( XXXX ) kept telling me to check back which i did. Another month went by and still no bonus so i called up the bank who gave me the runaround stating they were working on the issue and would give me a follow up. I never received any follow up until i started calling the banker 's direct number to which he apologized and promised to take care of the issue. Another month went by with no result. I was thoroughly fed up at this point i told them i was going to file a compliant if they kept ignoring the issue. the banker kept telling me he would follow up with the status, never once did he initiate the call to me to update me on the status, only once after i 've called him first to demand a callback. I had to coldcall this bank numerous time week after week to get an update which was always '' i promise you it will be done ASAP. '' His excuse was the system could not locate me for the bonus because i did not have the complete mailer, but they would go ahead and take care of it because the account was opened anyway. 
Finally on XX/XX/XXXX i went in the bank myself to talk to them, the banker saw me and immediately sat me down and told me they finally got the ok to deposit the money into my account and promised that i would receive it by the next morning. I gave them 2 days after that conversation, still no bonus. I tried to contact them by phone many times and was always told by a teller that they would contact me back, not a single call back. 
I really wanted to close my account at this point because i am so fed up with this bank and how incompetent the people working here are. I am not even as angry about the bonus not getting deposited as it should have. but rather the lack of respect for their customer and lack of courtesy to simply give a phone call to update on the status after promising numerous times that they would. 
I initially decided to give this bank a chance as i was actually looking for a new bank to deposit my money and it was relatively close to where i live. But after this ordeal with this particular bank I do not see myself going back ever again for anything, this bank has wasted numerous hours of my time chasing them on the money due to lack of communication, follow up, and lying to me about working on this issue diligently. 
I work in customer service myself so i know how important it is to treat customers with upmost respect, but unfortunately this bank showed me none.
Product: Credit reporting

My credit score was increasing normally until XX/XX/XXXX with no hard inquiries made to it. When I verified it on XX/XX/XXXX, my scored hay decreased by XXXX with no statement or explanation reflecting the root cause of the reduction.
Product: Vehicle loan or lease

SRA Associates out of New Jersey promised to produce a full release of responsibilities in writing 24 hours after confirming a {$5000.00} payment to settle a collection. 72 hours later and no such letter has been received. This company has no bounds as to what time or location they call the primary account holders and even family that is unrelated to a case. We the people need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

When getting a replacement card, the company informed me that it would issue me a new number. In doing so, they reported me as closing my credit line and re-opening a new line of credit with them. When I opened my XXXX XXXX   - XXXX account with them, it was on XX/XX/XXXX ( 6 yrs, 4 mos ago ) and on around 9 months ago I asked for a new card. It was XX/XX/XXXX when they show the new account established, but this was not the case as I had only requested a replacement card. 

I have spoke with them on this in the past and they " assured '' me it would be corrected in due time, and I eventually created a dispute with TransUnion about my XXXXXXXX XXXX credit account, which was reported on XX/XX/XXXX and completed on XX/XX/XXXX with no resolution on my request. 

TransUnion was supposed to create a new dispute as I called today, XX/XX/XXXX, and were supposed to send me a confirmation via email in which I never received. They were not too helpful when I asked them what my options were as to disputing it with the information I had and the response from the creditor already.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 was the last time I communicated with XXXX XXXX. In the referred document you will see that they said I did not get approved for the loan but when I looked in the SBA data base it showed that my company currently had loan for the amount of XXXX, XXXX which we never received. I've tried to reach out to the company and all that I was able to receive was a generated message. I emailed XXXX on XXXX & XXXX of XXXX and the XXXX of XXXX of XXXX, the IRS, my local SBA and XXXX and no one was able to help me.
Product: Credit reporting or other personal consumer reports

Unverified and unauthorized inquiries appear on my XXXX credit report. I have called to request their removal, but no action has been taken. 

XXXX. XXXX  XXXX XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX. XXXX  - XX/XX/year> XXXX. XXXX XXXX XXXX - XX/XX/year> Under the FCRA, it is a legal requirement to delete unverified and unauthorized items.I have requested XXXX to delete. has not been completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and XXXX XXXXall have either incorrect payment histories, incorrect payment amounts owed and due also incorrect account statuslistings.
Product: Mortgage

During XX/XX/XXXX XX/XX/XXXX, I communicated with the Wells Fargo Home Mortgage ( WFHM ) Home Preservation team to apply for a proposed loan modification and submit supporting financial documentation via secure email or website/link ( e.g., yourLoanTracker ) as provided by the financial institution. A confirmation email was sent to my attention on XX/XX/XXXX but the application was later declined mysteriously. I also submitted applications to your financial institution and/or its subsidiaries ( e.g., Americas Servicing Company or ASC ) for loan modifications prior to the XXXX pandemic and/or on XX/XX/XXXX, which were not approved. 

On XX/XX/XXXX, Wells Fargo XXXX XXXX issued a letter and a {$200.00} check as compensation for not considering the mortgage account for loan modification. I was somewhat encouraged by the acknowledgement of a potential undisclosed error and bank payment. Nevertheless, I requested mediation after concluding that both my financial situation and mortgage account were significantly inconvenienced by their actions. 

On XX/XX/XXXX, I entered into mediation with WFHM to forgive the current loan outstanding principal balance totaling $ XXXX. WFHM disclosed the procedures and/or complexities for reviewing customer accounts and thus offering payment assistance. However, WFHM concluded that an error did not occur as part of its internal research. The bank did not agree to forgive the outstanding loan balance as originally proposed. However, both parties did agree on an additional $ XXXX customer satisfaction payment. 

Although my account was found not to have been directly impacted by Wells Fargo 's self-disclosed error, it appears that the financial institution has dubious and/or deceptive practices which impact both its consumer-base and the public. The bank representative provided a very technical explanation which even the mediation professional felt was difficult to understand and not user-friendly. I was also troubled that XXXX refused to share either the impact and/or magnitude of this internal error during the proceedings. 

Previously, the financial institution settled lawsuits with the Department of Justice for deceptive consumer practices involving customer accounts, falsifying data/records as well as other fraudulent and/or unethical behavior. Except for the XXXX pandemic, the financial institution refused my many requests for loan modifications. I later became suspicious yet hopeful when the bank acknowledges an undisclosed error and issues unsolicited payments to its customers. I now realize that Wells Fargo engages in erroneous business practices/procedures, either intentional and/or unintentional, that are averse to the customer.
Product: Debt collection

Since late XXXX to early XXXX I've been stressed completely due to the lack of diligence on XXXX end with my information being in the system. Since the years stated I have been constantly having to file disputes for the same company... XXXX. I have been dealing with my livelihood being at jeopardy and been decline credit due to having this repeated issue. XXXX keeps generating a {$600.00} collection that has already been identified and confirm by several employees and managers that the accounts have all been fraud since XXXX. I first became aware when I kept having to go to customer service just to pay my bill because when I called my number never registered in the system. I truly became aware when my credit score dropped and when I checked it said it was from XXXX. The entire time I thought I was paying my phone bill apparently a account never existed and I have no idea where that money was being applied. Upon becoming aware of this I tried until XXXX to fixed the issue and it was never resolved no matter how many times I disputed the collections another one was generated and applied with no account number to link to an actual account. Until this day in XXXX their system still say I never had an account with them but its still generating collections saying I owe them. Its now going on 5 years and I'm beyond distressed. I personal feel like the situation has been over looked for all these years because I am a minority and no matter to these companies. I've literally been to EVERY store in the XXXX and XXXX XXXX area to resolve this issue and for 5 years I haven't gotten anywhere only more inconvenience in my life. XXXX has consistently been the only collections I've had on my credit outside of student loans this situation has been completely unfair and to be limited for the last 5 years by a company that has ignore EVERY attempt of solution on my end. I had to show court documents showing I moved, show proof of the new address that the service was transferred to and all kinds of unnecessary inconvenience just to be told there was system isn't showing my account ever existed but keeps generating collections.
Product: Mortgage

I recently sold my home, but a title search indicated that there was not a satisfaction of mortgage document filed on the property when I paid off the mortgage in XXXX. The mortgage company was XXXX XXXX and it was either owned by or acquired by U S Bank in XXXX. This would have been 3 years after I paid off the mortgage. The title company I was working with requested the satisfaction of mortgage document from U S Bank in XXXX, XXXX. They initially said they would forward the document to the title company within three weeks. They would not give the title person a specific department number or name of a specific bank representative. Each time she tried to contact U S Bank, she had to use the general customer service number. Apparently, we are waiting for someone in the Releases Purged Department to send the document, but the bank will not give a number for that department, and will not provide a contact person. The last email I received from my title company stated that we are " basically at the mercy of U S Bank at the moment. '' As of this date, XX/XX/XXXX, I have not received any notification from U S Bank. It has been about 2 1/2 months since they were initially notified. As a consequence, at the closing of my house on XX/XX/XXXX, the buyer 's title company withheld nearly {$100000.00} of my proceeds from the sale of my house. They also charged me {$150.00} to withhold my money. Everyone else has been paid -- title companies, realtor, and the buyer has moved into the house. I am the only one who does not have all of my money. I took out a mortgage on another house, and was planning to pay off this new mortgage with the proceeds from the sale of my other house. Now I am paying a mortgage on this new property. 

U S Bank should not be able to withhold a document that is preventing me from having all the proceeds of my sale to be paid to me.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. 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 identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX : XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XXXXXX/XX/XXXXXXXX, NY XXXX XX/XX/XXXX TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXXXX/XX/XXXXNY XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602p. BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT XXXX ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR XXXX PRO THE PENALTY OF XXXX.
Product: Vehicle loan or lease

I did not know the car was a salvage vehicle and that they clean the vehicle title to not show that it was a salvage vehicle. We asked where he got it from, but we never got an answer. He made me pay a down payment on this vehicle and I should not have because it was being financed. 
My consumer rights are being violated due to these issues and Official interpretation of 23 ( a ) Consumer 's Right to Rescind 12 CFR Part 1026 ( Regulation Z ).
Product: Checking or savings account

XX/XX/22 XXXX  fees of XXXX $ and XXXX $ And XX/XX/22 in the amount of XXXX $ I asked for a refund they werent able to refund it because they say I used too much times to waive the fees
Product: Credit reporting, credit repair services, or other personal consumer reports

This old XXXX account is still reporting as a charged off account when I paid the debt. It is not updating my information and is reporting incorrectly on Experian. It is bringing my Experian score down 100 points compared to the other two credit bureaus. This account needs to update since I paid it back in XXXX 2020. It is still showing up as a charged off account and hasn't updated since XXXX 2020.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING FRAUDULENT ACCOUNT IN MY NAME : XXXX XXXX OPENED : XX/XX/2017 XXXX. XXXX