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

Opened an account with the promise for {$200.00} bonus so long as I met requirements which I did. Waited for the funds to post within the recommended 3 month window. Called customer service and they asked my for a coupon code which I never received more did it say I needed one only requirements mention was a direct deposit of a minimum {$500.00}. Customer service told me to go into a branch that they could not help me. Went to the branch and the branch told me the coupon code had to be entered within 10 days of opening the account also never mentioned I feel lied to and am absolutely disappointed as I went as far as to move all of my Accounts and deposit to Chase bank and Did not receive my {$200.00} bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted numerous times to dispute   XXXX   items off of my credit report.   XXXX   XXXX   XXXX   on my  XXXX  report and   XXXX    on my Equifax report. I have attempted numerous times to dispute these   XXXX   items    both with  the credit bureaus and directly with the creditors. I have spoken with both companies numerous times and all they do is send me generic letters, more like an invoice with the amount stating that it is my debt. They refuse to send me proof and have claimed that I am outside of my time period allowed to request proof. I never have been contacted by either company. Reviewing my reports I noticed them and reached out to inquire what this was. All they do is direct me to an insurance provider I do not have. The insurance provider claims to have no record of me. The hospitals claim to have no balances owed by me. My last conversation with both companies was  XXXX / XXXX /17 and I informed them of all of this. I informed them that I have the legal right to request proof or removal. They said I do not have that right. They said they do not have to provide proof.
Product: Credit reporting or other personal consumer reports

Experian removed 2 accounts from my credit report that were in good standing without my permission and also in violation Of FCRA. Experian has removed XXXX XXXX XXXX XXXX XXXX XXXX from on time in good standing section of my credit report. I believe these acts to be retaliatory toward me for my recent series of FCRA disputes against their illegal credit reporting.
Product: Student loan

In XXXX XXXX I signed up with FedLoan Help as part of the student loan forgiveness program. Each month they withdraw {$310.00} from my bank account. In buying a house I discovered none of the money has been reported and my Loan Servicer is still showing XXXX with my loan in deferment until XXXX XXXX. I can not reach anyone with FedLoan Help to receive documents or talk to anyone about my account. I get a message service that says they will pass on the message and someone will call me back. I called about 3 weeks ago and no one has called. I called 2 times today and still no returned phone call. I spoke with XXXX and they stated my accounts are still with them. I spoke with the XXXX and they show XXXX as my loan servicer. On my bank account there were ACH checks to show the money was with drawn and now there is an electronic Id to show money is being withdrawn.
Product: Mortgage

I was in the in the process of completing a loan modification ( XX/XX/XXXX ). I was asked to sign a subordination agreement ( XXXX attached ) in which I 've signed XXXX previous times. I asked my loan preservation specialist to send me this document and she failed to do this. After repeated calls and messages, my application was thrown out because I allegedly did n't finish the application process. Even the loan specialist 's superior is covering up this fact by doing " research and an investigation ''. As of XXXX XXXX, I was required to sign a subordination agreement and I 'm still waiting for it ( XXXX XXXX ). Wells Fargo 's people have lied to me and I 'd them to review their actions and the recorded audio of my last XXXX conversations with XXXX XXXX and XXXX XXXX refuses. I 've been mislead and lied to.
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint againsXXXX XXXX XXXX XXXX XXXX XXXX regarding their unjustified restriction on my account and their complete lack of response to my multiple inquiries. 

Complaint Summary : I have an active account with XXXX, but I have been unable to withdraw or transfer my funds due to what XXXX  claims is a security restriction. 
Despite this restriction, I am still able to purchase assets but can not sell or withdraw them. 
I have sent over 15 emails to XXXX support team, but I have received no response or any instructions on how to resolve this issue. 
The inability to access my funds and the lack of communication from XXXX  is causing financial distress.
Product: Credit card or prepaid card

We went into the store to make a couple of large purchases. My husband and I bought a mattress and a couch and coffee table. The promotion they were offering us was 4 years no interest. We got our first statement and it was different than what we agreed on with the sales person. We called and spoke to the store manager and he assured us he would be able to fix this issue by changing a code in their system. We were told that our payments would be set up to pay off our balance in full within the promo period and we would avoid all interest payments. 
I received an alert from a credit bureau that my credit use had increased, my score dropped and they would be adding all back interest to my account. They increased my minimum payment to over double. We tried contacting the bank and the store manager and neither were helpful.
Product: Mortgage

In late XX/XX/2023, I received a Notice of Servicing Transfer from my original lender, XXXX XXXX The letter instructed me that " Flagstar Bank will start accepting payments received from you on XX/XX/2023. '' Furthermore, " send all payments due on or after XX/XX/2023 to Flagstar Bank at this address : XXXX XXXX XXXX, XXXX, TX XXXX. '' On XX/XX/2023, I send a paper check # XXXX to XXXX. It was cleared on XX/XX/2023. I noticed a payment withdrawal from my account on XX/XX/2023 thinking that it represented the check that I had sent per the instructions. However, the XX/XX/XXXX payment was an automatically drafted. Having already received the XXXX mortgage payment, they didn't bother to check that I had already paid it. They drained my bank account cushion and am in great peril of overdrawing my account from other recurrent expenses. I am at high risk of incurring unnecessary overdraft fees. 

I implore your assistant to demand that Flagstar immediately return the excessive payment made in the amount of {$2600.00}.
Product: Credit card or prepaid card

I receive a notification on my credit report of a new credit card open under my name I immediately contact the company and told them that I didnt authorize for the credit card to be open and that is fraud they ask me a few personal information and they couldnt find anything they also ask me for my social security number and I told them that I wasnt going to release that information I immediately did a dispute through XXXX , also I have a notification from my one of my credit card that my email was compromise on that Dark Web Im having also other issues someone open a checking account online through XXXX  XXXX XXXX XXXX immediate contact the bank and spoke to someone in the Fraud department they close the account immediately, and still having some issues because they try to open a checking account again, I want to issue XXXX XXXX resolved Im a victim of a Fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX  # XXXX. 
Account name : XXXX # XXXX. Account name : XXXX  # XXXX. 
Account name : XXXX # XXXX. 
Account name : XXXX # XXXX. 
Account name : XXXX/XXXX  # XXXX. 
Account name : XXXX XXXX XXXX # XXXX. 
Account name : XXXX XXXX XXXX XXXX # XXXX. 
Account name : XXXX XXXX XXXX  # XXXX. 
Account name : XXXX XXXX # XXXX. 
Account name : XXXX XXXX # XXXX. 
Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX. 
Account name : XXXX XXXX XXXX # XXXX. 
Account name : XXXX XXXX XXXX # 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 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: Debt collection

There are 2 outstanding bills from XX/XX/XXXX for XXXX XXXX XXXX which just got reported on my credit in XXXX XXXX.. I asked them to send me a copy of each bill so they did. I have never seen this bill until now ( 6 years later ), it is too late to file a claim on my insurance. I asked them why they did not handle this 6 years ago but of course no one knew the answer.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

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: Student loan

Today I called FedLoan, my servicer, about a payment question. When I mentioned the lump sum I made in XXXX 2017, to reduce my principal and by default the interest, he said it was being held in a " paid ahead '' folder. The lump sum was {$9000.00} which would significantly reduce my accrued interests, if applied. My account summary displayed the lump sum as if it had gone through, I did n't know it was being held anywhere. 

Basically, each month a portion is taken from my " paid ahead '' folder and applied to my loans rather then applying the whole payment right away. That way FedLoan can keep accruing more interest. I had my " paid ahead '' folder removed that I did n't even know existed. There was no email or clarification of this. Maybe in fine print somewhere, but these type of practices need to be made significantly more clear.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have have been disputing an un-validated account with XXXX XXXX XXXX. I have been requesting for validation ( NOT VERIFICATION ) of an account that they are claiming belongs to me. Since my initial contact, XXXX has not been able to provide me the proper validation documents that I have asked for. I have contacted XXXX twice in XX/XX/XXXX then XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I requested " if XXXX  is unable to provide validation of the account that the bank please contact the credit bureaus to have the account removed ''. 

My 2nd contact with XXXX XX/XX/XXXX I started to receive notices for collection. The account in question then appeared as a revolving account, my credit score begin to decline and I was receiving notices to pay {$2100.00} out of an XXXX balance. I did not refuse the offer if the account was validated as mine. XXXX  could not provide validation. 

In XXXX, XXXX and XX/XX/XXXX ( recently in XX/XX/XXXX ) I have contacted Experian, XXXX  and XXXX XXXX but neither of the agencies were able to retrieve validation from XXXX  account. But, the credit bureaus allowed the account to revolve and remain as active. 

In XX/XX/XXXX I checked the update on the XXXX. The account was reported as delinquent, a high revolving account and a closed account. Today, in XXXX I continue to receive " an offer to pay {$2100.00} from XXXX. They have not and can not validate the said account. 

I want XXXX  un-validated account removed from my credit history because it is not mine.
Product: Credit card or prepaid card

I received a credit card from Bank of America in amount of {$12000.00} limit. I did not apply for this. On the same day I opened this mail, XXXX XXXX, I also received notification of request for mail forwarding by USPS that I did not make. 

I contacted Bank of America and credit card was cancelled. I contacted XXXX who put a 1 year fraud alert on my account and notified the XXXX other credit bureaus. Postal Service informed as well I contacted Social Security Administration that instructed me to Federal Trade Commission and thus to this site
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  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: Mortgage

I was charged late fees by my mortgage company after they claims that with my correct bank account number and routing number, they failed to " recognize '' my account. I have received an email confirmation for the payment that the fine was charged on, and yet without another email notifying me that they failed to charge me ( for the same charge that they confirmed! ), they charged me a late fee instead. I sense a borderline fraudulent practice to profit from customers by fees.
Product: Mortgage

We were supposed to close on XXXX. We, the buyers, scrambled to close our house on XX/XX/31. We got all the information they requested and were ready to close on the house we were buying on XXXX. Suddenly the loan officer was being difficult, and the underwriters as well. They were not counting my wifes XXXX new jobs in the same career shes been in the last XXXX years. ( We moving across country from NY to Wa in an RV with XXXX dogs and XXXX cats ). We needed to close on XXXX and there was no reason we couldnt except the mortgage company did not prepare, according to the loan officer himself. He texted me blaming one of his team members. We were prepared, they were not, causing undue stress and monetary loses. I have a screenshot of his admission. I have multiple other complaints but not sure they apply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Product: Credit reporting or other personal consumer reports

As per the FCRA, I am entitled to a True and correct credit report, something I havent had for years since the Credit Bureaus have Repeatedly Failed to Correct the items or simply have not responded at all. I am becoming more and more disadvantaged as a XXXX person due to this. I have been deprived the opportunity to fully utilize or benefit from my true credit. Which is Unfair to me. 

This company opened an account in my name when I was incapacitated. This is the second time I have disputed this account and theyve failed to resolve and correct the invalid / Identity Theft account.
Product: Checking or savings account

I had my card stolen on XXXX. I noticed on the evening of XXXX that there was {$2300.00} in stolen money from my bank account. The bank has not returned the money to my account and has made it hard to contact them. They dont have a customer service line where I can call to disputes these transactions. Below is a list of all the transactions that were fraudulent : Total amount : {$2300.00} 1. XXXX XXXX {$100.00} 1. pending 2. XXXX {$290.00} 1. pending 3. XXXX XXXX {$330.00} 1. pending 4. XXXX XXXXXXXX {$100.00} disputed XXXX. XXXX {$57.00} 1. pending 6. XXXX {$110.00} 1. pending 7. XXXX XXXX {$30.00} disputed XXXX XXXX XXXXXXXX {$10.00} disputed XXXX. XXXX XXXX XXXX XXXX$250.00} disputed XXXX. XXXX XXXX$250.00} disputed XXXXXXXX XXXX XXXX {$50.00} disputed XXXX. XXXX XXXX  {$55.00} disputed XXXX. XXXXXXXX XXXX  {$1.00} disputed XXXX. XXXX {$10.00} disputed XXXX. XXXX XXXX  {$210.00} disputed XXXX. XXXX XXXX XXXX  {$220.00} disputed XXXX. XXXX XXXX {$50.00} disputed XXXX. XXXX XXXX {$67.00} disputed XXXX. XXXX {$22.00} disputed XXXX. XXXX XXXX disputed XXXX. XXXX XXXX XXXX XXXX  {$11.00} disputed XXXX. XXXX XXXX XXXX XXXX {$60.00} disputed XXXX. XXXX XXXX {$25.00} disputed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted over 50+ request to have my credit reports to show updated payment information on my reports. There are accounts that show as charged off even though the balance is XXXX and I was advised that AT LEAST it says charge off. Yes I paid t I paid I. The midst of them transferring the account so its a catch XXXX its paid but the person account sold too still shows as owed ( XXXX ) XXXX XXXX payments are made auto draft and a recent {$200.00} payment made but I am not allowed to dispute as they stated they reviewed the account in 2019. In the midst and of covid19 why should I have to fight with the credit bureaus to make sure at least my credit is correct? Were in a pandemic XXXX XXXX plus have died and my report shows late payments. I am unemployed and have tons each reporting agent and original reporter this and no one has offered any relief. I am certain the banks got PPE money yet I am required to pay off a credit card that I WAS MAKONG PAYMENTS FAITHFULLY ON BEFORE COVID IN FACT XXXX XXXX SHOWS THIS AS A CHARGE OFF BUT TRANSFERRED {$200.00} from a deposit for rent from my account. This is not right. Were In a plague and debtors dont care and we suffer. I tried with the credit agencies still no relief
Product: Credit card or prepaid card

XX/XX/XXXX {$100.00} was charged on my credit card to XXXX and it was charged by someone with " art deco '' email ... they were able to go into my acct and change my email address
Product: Debt collection

Company was asked to provided written documentation of signed contract for services provided and did not do so. XXXX investigated and did not provide proper documentation to me either and continued to report this debt on my credit report when XXXX XXXX and XXXX  removed before sufficient documentation was unavailable.
Product: Credit reporting or other personal consumer reports

my information was stolen when i was in jail and apart of the XXXX data breach. the flagship credit discover and a few more fraud accounts were removed and these creditors have failed to take it off they keep putting them back on after proper paperwork was failed exspecialy experian