23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year>, I was approved for the Apple Card. When I was applying for the Apple Card, I used the following link XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX There, it was mentioned that if I complete a purchase using the credit card within 30 days of account opening, I would get a {$75.00} cash bonus credited into my Goldman Sachs Savings account ( I attached a screenshot of the offer ; that was the webpage from where I clicked on Apply now when applying for the credit card ). 

On XX/XX/year>, I completed a credit card purchase using the Apple Card. Since the purchase was completed within 30 days of account opening, it qualified me to receive the {$75.00} promo bonus ( I attached the XXXX statement showing the purchase date and amount ). 

Because the bonus was not credited into my Savings account, I contacted Goldman Sachs on XX/XX/year>, using Messages. The Goldman Sachs representative asked me if I have a link, screenshot or an email where it shows the promotion information. I provided the requested information, and the representative created an inquiry for the respective department. 

On XX/XX/year>, I received a follow-up email regarding the inquiry asking me to contact [ Goldman Sachs ] with additional details ( Proof of Get {$75.00} Daily Cash to Refer a Friend promo communication email ) in order to investigate further. I contacted Goldman Sachs that same day informing them that I have already submitted the proof of eligibility for the promo bonus. The representative said that they would let the dispute team know the evidence has been submitted. 

Later, I received an email saying that the inquiry has been closed due to me not submitting the requested evidence. I called Goldman Sachs support on XX/XX/year>, and the representative told me that the dispute was closed in error and initiated a new inquiry. She also mentioned that if I am contacted by Goldman Sachs again in the future asking me to submit the proof of participation in the promotion, I should send them the same pieces of evidence again, just in case. 

On XX/XX/year>, I received the same email asking me to contact Goldman Sachs in order to confirm my eligibility for the promo bonus. I contacted Goldman Sachs on XX/XX/year>, and a representative again told me that my inquiry has been closed and mentioned that they will need additional proof of invitation to apply for the card. In particular, it was mentioned to me that they will need the email I received from a friend with the details of the promotion. I mentioned that I do not have such an email saved, and it was never mentioned in the program rules that we need to keep record of the email in order to be eligible for the bonus. 

To summarize, I submitted two pieces of information proving that I saw the promotional offer when I was applying, which qualifies me to receive the {$75.00} cash bonus. Goldman Sachs, after reviewing the information, has been refusing to provide me the promised bonus, thus violating my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 Credit reporting agencies transunion, XXXX, and XXXX  have assumed a vital role which I have not given them express written permission to report on my behalf. I have disputed erroneous, inaacurate, out of date, and fraudulent accounts from XXXX XXXX XXXX  that they are reporting. I have written to them to re-investigate already. Now, I am demanding they delete these fraudulent accounts due to all the errors and inaccuracies that they claim have been verified. If these accounts were in fact verified then why is there so much inconsistent information. Pursuant to 15 USC 1681, the credit agencies have a grave responsibility to report accurate, relevant, and impartial information. I have provided factual data which is attached to this complaint as evidence that I have been abused, treated unfairly and my character as a consumer has been tarnished due to these agencies lack of effort in finding correct validated information. I demand that these accounts be deleted immediately due to the copious inaccuracies and inconsistencies in data. These companies have not only violated my privacy by trafficking my name, but they have continued to deny me my rights as a federally protected consumer by doing their due diligence in investigating the matters I have submitted for complaint. SEE EXHIBITS A-F IN ATTACHMENTS.
Product: Credit reporting or other personal consumer reports

I am filing complaint because Under 15 USC 1681c-2 ( a ), any information resulting from fraudulent or unauthorized activity, including accounts affected by a data breach, must be blocked and removed from my credit report if requested. I sent Equifax a copy of the FTC report stating that this XXXX XXXX account is fraudulent and is not mine asking them to remove it. But instead of removing the fraudulent XXXX XXXX account they removed a personal loan from XXXXXXXX XXXX that wasnt disputed. They are blatantly manipulating my credit report in a negative manner. Enclosed is a copy of the FTC report as well as a letter from XXXXXXXX XXXX Thank you.
Product: Mortgage

On XX/XX/XXXX I received a letter from Guaranteed Rate notifying me that my mortgage was being transferred to a new servicer ( XXXX XXXX ) effective XX/XX/23. The law requires at least 15 days notice. Moreover, after significant research ( and my own attempts to contact the Company ), it is impossible to set up the online payment portal with XXXX -- a company that provides 0 customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS OR PERMISSION.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE.
Product: Debt collection

After a careful and extensive investigation this debt does not belong to me. The company attempting to collect this date is not licensed to collect in the state of Florida and can not legally collect debt on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute on XXXX  XXXX last week. I was disputing medical bills that were still on my account that were paid off. While closing out those account, they inadvertently reported my mortgage account was closed, which left me a credit history of 1 year, 3 months as opposed to 12 years. That knocked my credit score down significantly. I would like the age of my credit history corrected.
Product: Vehicle loan or lease

This is the history that was made to my account on XX/XX/XXXX I made a payment for {$430.00} and {$170.00} went to the interest, XX/XX/XXXX I made a payment of {$430.00} and {$410.00} went to the interest, XX/XX/XXXX I made a payment of {$430.00} and {$270.00} went to the interest, XX/XX/XXXX I made a payment of {$430.00} and {$240.00} went to the interest, XX/XX/XXXX I made a payment of {$430.00} and {$330.00} went to the interest, XX/XX/XXXX I made a payment of {$430.00} and {$280.00} went to the interest. The interest was just extremely high it keep increasing every month. I had to leave this bank immediately. However all my payments were made and is in good standing. I would not recommend this bank to no one. I still have a large balance on this loan like I never paid.
Product: Credit card or prepaid card

On XX/XX/XXXX I used my Navy Federal Credit Union Visa card to get a Logo design from XXXX XXXX XXXX for {$59.00}. The company never designed the logo and stop responding my emails even after I was told by one of the " Account managers '' the refund was not going to be an issue. Everytime I contact their online support, I'm told I was going to get a call back. Never get one. 

Since XXXX XXXX Stop responding, I filed a dispute with NFCU. After more than a month they denied my request because the merchant said they give me the service. That was not true, I gave NFCU email and text copies of my conversation with XXXX XXXX which showed they are not responding to me. I also requested copy of evidence from the merchant provide but was denied. 

I requested a second review and NFCU will not reopen the case unless I have a written notice from XXXX XXXX that a refund is due. To me this makes no sense. I tried to resolve the issue ( my order was not deliver ) with the merchant and they stop responding. 

NFCU won't help with the disputed even when this disputed qualify for Fair Credit Billing Act and claims and defenses process because I never go my order and the merchant won't work to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upset these companies are allowed to report fraudulent items on my report without my consent.. Its been months and months of me trying to get these items off with no success..Only 2 address should be on my report XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX everything else is FRAUDULENT!!!
Product: Checking or savings account

On XX/XX/XXXX, I received a cashiers check from my Grandmother that will help me pay my tuition for college and my apartments rent. On the XXXX, my account was locked and put under review. The bank did not send a notice or inform me of my account being under review until I called them. They also did not tell me why. I learned that this issue usually resolves in 7-10 days. So I waited but nothing ever came out of it. It has now been 18 days where I have not been able to log in to my account and access my funds. This is my only bank account and I have not been able to purchase anything for almost 3 weeks now. This has been really frustrating as they never told me and do not have an accurate time table of when it will be solved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I filed a complaint against GM Financial. I had settled a defaulted loan I had with the back in XXXX, but they had yet to update this account as resolved on my credit report yet. Today, I received a letter from GM Financial, essentially stating that they have not updated my account yet, because I disputed it. Also, as of today, they are still reporting the account as unresolved on my credit report. 

For reference, I am attaching a copy of GM Financial 's recent letter, and also a copy of my settlement and payment receipt from XXXX. 

First of all, GM Financial 's claim that they can not report accurate information about my account because I disputed it is completely bogus. As is my right under the Fair Credit Reporting Act, I have the right to dispute anything that is inaccurate on my credit report. GM Financial does not have to right to " punish me, '' simply because I wanted correct information reported. 

Also, they did n't even address the fact that they are still reporting incorrect information on my credit report, more than 3 month after-the-fact.
Product: Credit reporting, credit repair services, or other personal consumer reports

2019 repossessed 2019 charged off been reporting since XXXX 2019nasa charge off with a past due balance charge off cant report as past due since debt is charged off
Product: Debt collection

So Ive been contacted numerous times by Portfolio recovery associates and since XX/XX/2018 and the harassment is nonstop Ive tried to settle the amount but I keep getting called everyday about it
Product: Credit reporting or other personal consumer reports

This account shows it is charged off and I did not receive a XXXX for the period of time to show additional income. A request a correct copy of the XXXX. The accuracy is incorrect and should be either deleted from credit reporting or accurate to show the status is paid
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX XXXX several times on my credit with no response. It keeps being marked as accurate. It is definately not accurate and it is effecting my ability to obtain a loan for a house. I have been disputing for 2 months now. I even got a letter from XXXX XXXX XXXX themselves to send to Transunion. I sent it to Transunion XXXX weeks ago certified mail and they are yet to pick up their mail at the post office. XXXXXXXX XXXX XXXX  is reading as an opened account with a balance to pay every month. The accounts are closed and charged off. This is so frustrating. Nobody will help me. It clearly is reporting wrong. Attached you will find the letter from XXXX XXXX XXXX verifying the information and it needs to be corrected.
Product: Credit reporting

I disputed the negative reporting on my credit file - XXXX XXXX XXXX XXXX. I disputed it with all other credit bureaus and it was not verified - Equifax continues to say it was verified with them, they will not delete the account but they will delete the historical account information. i do not understand what that means, i asked for explanation but i get refused. So i 'm filing a complaint today because I would like to request the " method of verification '' under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). this request is within my rights. when i called equifax in regards to this request the agent told me she was not allowed to give me this information. under the FACT act i 'm entitled to a copy of it.
Product: Checking or savings account

Opened TD personal checking account ( TD Premier Checking ) on XXXX in response to a promotional offer ( Earn {$300.00} ). After funding the account with a payroll direct deposits on XXXX OF {$2500.00}, I called the bank to see about the status of the promotional credit. I was told that someone would respond in 3 days. A week later I called again and was told that they would submit an inquiry ( again ).  After no resolution and belief that the checking offer was deceitful and bank never intended to fulfill, I called in late XXXX ( XXXX I believe ) to close the account. ( I had already written a check on the balance to reduce the outstanding balance to {$0.00} ). The phone representative refused to close the account, stating that I needed to do it in person at a branch since there was XXXX cents in the account. I asked to talk to the supervisor, XXXX ( rep number XXXX ) who was rude and started the conversation with something like " The representative already told you we ca n't close the account and I wo n't tell you anything different ... '' Finally, she advised that I use TD 's send money online function to transfer the XXXX cents out of the account ( because ACHs cost more than I had left in the account balance ). After hanging up I tried this option only to learn that there is a {$1.00} minimum to use Send money. Finally, I wrote myself a check for XXXX cents and deposited it into another bank account ( different bank ). I called the next day XXXX ( since the check had already been presented and my account balance was showing {$0.00} online ), and XXXX told me that I may get a monthly maintenance charge for being under the minimum balance since the account cycle would close Tuesday and she required 3 business days to close the account. She suggested waiting to see if I was charge a fee and calling back to close the account later ( after waiting on hold the third or fourth time for over 30 minutes each  time ). I told her I wanted a close request be submitted immediately and that their bank ( TD ) could control whether they closed before a maintenance free could be assessed by them. I also asked about getting a credit for final cycle residual interest earned and received no understandable response. I never did get the few pennies of residual earned interest for the final cycle. TD was deceptive in it 's promotional checking offer and was coercive attempting to get fees by not closing the account in a timely manner without excessive effort made by customers.
Product: Bank account or service

My ATM card was cancelled because a merchant I bought something from had their computer financial system compromised. US Bank would not tell me which merchant it was. That ATM was connected to auto-bill payments. I went to the bank branch and called the Bank on the phone repeatedly and asked which billers were connected to the ATM card and was told none were. Then I got a notice from XXXX XXXX that the payment authorization was declined. I called US Bank again and then finally got someone from online banking who gave me a list of companies with automatic reoccurring bill payments that were connected to the old card. Why did n't US Bank give me this information the first time I asked for it so I could take care of this problem and avoid getting late fees and possibly have my credit compromised? Why does n't US Bank have a system to transfer reoccurring payments from XXXX ATM card to the next when the old card gets compromised? Why do n't they tell us who is the merchant who is not protecting our financial information so that we can avoid using them again?
Product: Bank account or service

Had me waiting for hours just to get a direct deposit form which i did not get they had employees walking around doing nothing not even XXXX offered help this is a disgrace if they ca n't operate this branch the right way might as well close it down!! I will never go back and will for sure let people know how horrible they are. Worst experience of my life i hate this bank I 'll stick to XXXX!
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit profile. this has been an ongoing issue that needs to be resolved. looking over my credit profile ive noticed all data is reporting illegal an fraudulent information. please review the listed items an please report an delete all information listed to help clear my credit report asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

We own a rental property that is vacant and needs work completed before we can re-rent it. We have been trying to unfreeze our TransUnion credit reporting account since last Friday ( XX/XX/XXXX ), unsuccessfully. Today is XX/XX/XXXX. 

Unfortunately this is the only credit bureau used by the financing company to complete the application to get their consumer card to pay for this work. 

TransUnion indicated they have an internal error issue, but have not provided any information as to when the issue will be resolved. Their only response has been for us to call back again for updates. In doing so we have been on hold for long stretches several times. We have a prospective new tenant, however the work must be completed before they can move in. We are looking at having to make a 2nd mortgage payment over the last 2 months, without having rental income to offset the expense. We are concerned with losing this contractor & tenant prospect.
Product: Credit card

On XX/XX/2024, I purchased the XXXX XXXX XXXXXXXX for the amount of {$190.00} and on XXXX XXXX XXXX XXXX I purchased the XXXX XXXX XXXXXXXX XXXX for the amount of {$450.00}. I returned the merchandise, and my account was credited but when I received my building statement that was still showing as a purchase and wants me to make payments on return merchandise. I contacted TD Bank customer service agent and stated the credit was submitted to the wrong account, to contact XXXX XXXX. I contacted XXXXXXXX XXXX they stated that the credit was submitted according to the purchase to call back and do a dispute. I Call TD bank back and the customer service agent did not let me do a dispute. Just getting the runaround.
Product: Credit card or prepaid card

Contacted Barclays XXXX for a billing dispute. Open the dispute on XX/XX/2021. Received response to the dispute via mail on XX/XX/2021 but CC company letter is dated XX/XX/2021. Replied to CC company via fax and mail on XX/XX/2021. CC company has NOT replied back and closed the case.
Product: Checking or savings account

I made a deposit of XXXX Money orders of {$1000.00} which totals out to be {$3000.00}. I also made a deposit of {$500.00} cash to my bank 5th 3rd bank on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  location. 

The next day XX/XX/ I went online to check my online banking to pay my bills, and my account is now locked. I immediately then called 5th and 3rd banks customer service and was told that my money orders were fraudulent. I purchased the money orders from a grocery store. 

I went into the bank on XXXX XXXXXX/XX/XXXX just to get my account number to try and pay a bill until I go home and locate the money order receipts, and was also told I cant take any money out of my account or have access to my account until I bring in a receipt. 

I don't mind traveling back and forth through stand still traffic to get them but I have bills to pay and I am now late on my rent because of this. 

I have the receipts of the the money orders I just couldn't bring them until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter via certified mail asking Equifax to verify their method of verification for the XXXX XXXX Bankruptcy that they are reporting on my credit report. They responded with a credit report cover letter dated XX/XX/XXXX stating that the data furnisher XXXX XXXX had verified the reported information as reporting correctly. However, on XX/XX/XXXX, I received an updated copy of my report from XXXX XXXX and a cover letter stating they had removed the Chapter XXXX Bankruptcy from my credit file. On XX/XX/XXXX, I wrote a letter yet again to Equifax via certified mail explaining to them that XXXX XXXX had removed such error. I provided documentation to them from XXXX XXXX, the letter from the Bankruptcy court stating they do not provide that information to any credit reporting agencies yet they still did not acknowledge the additional documentation provided. On XX/XX/XXXX, I received another response from Equifax with the exact same Information stating they had verified the information from the data furnisher XXXX XXXX. To add to this complaint, i filed a complaint with you back in XXXX regarding this same matter. Equifax responded to you that they had removed the Bankruptcy case ending in 1040 and that written confirmation would be sent to me within 7-10 business days. That never happened and here we are again with further proof of no verification yet they are still allowed to continue reporting such. 
You all have not assisted with this matter in any way to gain a resolution. I am no longer doing this with either of you and my next plan of action is to file a complaint with the FTC. I have attached all documentation and hope to get a resolution soon.