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

In XXXX of XXXX I received a mailer from Citizens bank offering a new account bonus of {$300.00} if you opened a new checking account and had direct deposit of {$500.00} go into that account during the eligibility period. I followed the link I received to open this account in XXXX and set up direct deposit for the account. No where on the link to open this account did it ask for a code or say a code was needed, just said follow the link and open up a new account and your eligible, which is exactly what I did. 
After setting up the direct deposit and meeting the minimum {$500.00} direct deposit requirement I called to see when I would get the bonus. They said it was based on when the account was opened and looked it up and told me I would get it at end of XXXX of XXXX. 
I checked back a few times via phone calls and through their chat online to see if everything was in place for the bonus and was told everything was good. I waited until XXXX and called again to see when it might come in and she told me to expect it by XX/XX/XXXX as that was the last banking day of the month. 
XX/XX/XXXX came and went and no deposit. I got on chat that day and said it wasn't there, the chat agent told me they have until XXXX XXXX  for their banking day and it still would come in. 
Next day I checked and still no deposit into the account. I called again on XX/XX/XXXX spoke to a XXXX and was asked for my code. I said what code I followed the link on your site and set it up just like I was told to. He said a code wasn't attached, I then told him that then their site didn't attach it because I followed the link exactly and that I did everything I was supposed to this error was on their end. I even told him I had spoken to several people at the bank before this and all told me it looked good, no one told me a code was missing. 
He then put me on hold for a bit and said he found a code and I was all set and that someone would call me back on Wednesday XX/XX/XXXX on when I would receive the {$300.00} welcome bonus. I waited all day on Wednesday XX/XX/XXXX for someone to call me and they didn't. I decided to wait and see if the bonus showed up in my account on XX/XX/XXXX. 
It did not show up so I got on the chat and spoke to a representative who said they were behind could I give it another day for someone to call me, I agreed to do this. On XX/XX/XXXX I still had not received a call of the bonus welcome in my account and I called again myself. At this time the agent told me I didn't qualify for the bonus the code was invalid. I preceeded to tell him their employee gave me the code and he just said sorry nothing he can do. I told him I did everything I was supposed to do and they even gave me a code and now its no good. It was a complete scam. First I follow their own link for the promotion, do everything I am supposed to do to get it, call several times to be told it is all good will get it, then the time to get it comes and I am told no. I am entitled to this welcome bonus of {$300.00}, it is false advertising and getting people to sign up for accounts and then they do not pay the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit card

I would like some help/information. I have a credit card with Chase. My payment is due today. This morning I made a {$200.00} payment. When I got home from work XXXX XXXX and I knew my paycheck had cleared, I went to make another payment to complete the amount owed. The online process would not allow me to make another payment, so I called. The representative would n't allow me to, so I asked to speak to a supervisor. XXXX, the supervisor, also informed me I could not make another payment for 3 days from the same checking account. I asked where it stated that I could n't make a second payment. He could not find anything, but refused to take a XXXX payment, which means I will be paying interest on the balance XXXX {$1100.00} XXXX. What can I do? Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I secured a loan via XXXX for {$1200.00}. During my phone call with this company I specifically asked what the terms were and if there was an early payoff penalty. I was assured I could payoff the loan at any time. It was my understanding the loan was {$1200.00} and the payoff amount was {$1500.00}. This would be 27.5 % interest and the loan would be paid in full in 4 payments, or 2 months. After a 5th installment was collected on XX/XX/XXXX I contacted the company directly. We were, and continue to be, in the midst of an economic crisis, and I inquired why XXXX was still taking payments. At that point I was notified my payoff amount was {$4500.00} on a {$1200.00} loan. This is an interest rate of 688.73 %. Not only should that be criminal, but it's even worse considering the current economic conditions. On XX/XX/XXXX the person I contacted advised they would ask their " support team '' to review my phone call and get back with me. No one ever contacted me again, and on XX/XX/XXXX another installment was debited from my bank account. This means I have already paid {$2200.00} on a {$1200.00} loan and that's 91 % interest. At no time has XXXX even offered to provide ANY relief due to COVID-19, and I believe this company is a predatory lender.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX experian XXXX XX/XX/XXXX experian XXXX XX/XX/XXXX experian XXXX XXXX XX/XX/XXXX experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX experian XXXX XX/XX/XXXX experian XXXX XXXX XX/XX/XXXX experian Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

I request an immediate investigation of the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I request that they be removed from my credit report. I also request that I be provided with an updated copy of my credit report once any necessary corrections have been made. A copy of my identification is attached to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a new debt collection from called XXXX XXXX XXXX that bought my medical bill of {$210.00} by XXXX XXXX XXXX 6 years ago that has hit my credit like it is a new debt. Furthermore this debt was once on my credit for a very long time that has reappeared on my credit before. I recalled paying this debt years ago but they have no record of me paying this. Still it is a very old debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 my credit score went up to XXXX. Then on XX/XX/2019 it went down 4 points for using my vard. My total usage was 19 % and went to 25 % in the same month. I am being penalized for simply using my credit cards which I pay off at the end of my cycle. 
The prepaid card reports the XXXX The credit card reports the XXXX They each report twice a month. 
Then every 7 days sometimes 3 times a month my credit score is changed. 
CapitalOne is playing with my score. 
I should not be penalized for using my card within the same cycle.
Product: Money transfer, virtual currency, or money service

on XX/XX/2021, I deposited a Cashier 's Check, drawn from XXXX XXXX into my personal account at Bank of America, at first the teller informed me that the funds would not immediately be available that they would be made available the next business day, then today I woke up to an email from Bank of America, that stated the the Cashier ; s check was going to be held for 10days and that funds would not be made available until XX/XX/XXXX, at XXXX XXXX.. I have attempted to resolve this several times, with several different departments at Bank of America to try to understand that a Cashier 's Check would have to be held for 10 days without receiving a logical answer from anyone as to why.
Product: Credit reporting, credit repair services, or other personal consumer reports

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting 3 student loan accounts with incorrect original delinquency dates, which is preventing them from aging off of my credit report. All of these accounts went into repayment per the promissory notes in XXXX, and they have never been brought current. However, XXXX re-aged them in XXXX after my chapter XXXX bankruptcy plan was completed, and is reporting them with an original delinquency date of XXXX. They are scheduled to be removed in XXXX, but they should be deleted due to their age. 

I have attached the complete account history for all 3 loans and they show the 1st late fees charged on XX/XX/XXXX, which is the true original delinquency date. There have been some payments made to the accounts, but they were made involuntarily by my bankruptcy trustee during my chapter XXXX bankruptcy, which was from XX/XX/XXXX-XX/XX/XXXX, & the amounts the trustee paid were not enough to bring any of the accounts current. 

I notified the creditor in writing with no response after 90 days, then reported to credit bureaus and have received no resolution after 30 days. I do not agree that I owe these debts, the accounts are over the statute of limitations in my state, and the accounts have been reported as delinquent on my credit report over the maximum reportable time per the FCRA.
Product: Vehicle loan or lease

On XX/XX/2022, I receive a voicemail from Sheffield Financial calling to verify my identity in regards to a loan request they received in my name. Upon calling the number back, the Sheffield Financial representative informed me that someone applied for a loan with them using my information at a store called XXXX XXXX in XXXX, TX. The representative noted the individual ( s ) made the loan request in person and had provided my full name, address and social security number. However, the fraudster provided the incorrect city when giving my address, which caused suspicion. The representative assured me that Sheffield Financial will decline the loan request. 

I called XXXX XXXX shortly thereafter and spoke with the store manager, XXXX. XXXX informed me that two individuals came into his store earlier in the day claiming to be me and applied for a loan to purchase a XXXX recreational vehicle, which are in excess of {$50000.00}. XXXX was empathetic to my situation and provided their local sheriff department 's contact information. He also noted that he would try to get the fraudsters back into the store tomorrow, XX/XX/XXXX, in hopes of having them arrested.
Product: Debt collection

My wife has a credit card in her name originally from  XXXX  I believe that has a balance of roughly {$7000.00} from back in  XXXX - XXXX . Cavalry Portfolio Services in NY has supposedly purchased the debt from another company and is is trying to collect the amount owed through, what we believe, unethical/illegal means. They have contacted her uncles, parents, etc. to try and reach her. Now we have received a couple unsolicited letters in the mail from attorneys stating they can help resolve this debt that, according to court records ( who know where ) has been filed with Cavalry 's attorneys for lawsuit.
Product: Credit reporting or other personal consumer reports

XXXX is damaging my credit report over a debt that is not my obligation
Product: Debt collection

I received a letter in the mail ( date XX/XX/2021 ) from American Coradius International LLC ( ACI ), saying that I owed a debt to XXXX and they are collecting on that debt. 

I do not owe any money to XXXX. I do not know if my identity was stolen or fraud or what, but this is incorrect. After researching ACI a little more, apparently they use these same tactics on/with many others. 

I would like it stopped without having to contact them and reveal any more of my personal information to them, as is being requested in the letter I received. I do not trust that this is not a scam and do not wish to contact them in person by phone, email, website or any other way that would give them more information about me than they have already managed to get.
Product: Debt collection

Ive recently checked my credit score and noticed inaccurate accounts reported {$2700.00} XX/XX/scrub>XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I can not give you dates or times unfortuneately cash app deleted my accounts i had to make another account to get ahold of them but they took XXXX out at once and then XXXX then little incriments as well i had someone from cash app call me get my information get my account information and they wiped out my account .i filed when this cash app deal started but ive heard nothing.
Product: Credit reporting or other personal consumer reports

I found mistakes on my credit report this morning, and I am utterly confused and panicked. I check my report often, and Ive never seen anything like this before. These discrepancies showed up out of nowhere, and even after refreshing my browser repeatedly, they didnt go away. Im pleading for the documents Ive sent to be reviewed with extra care, so I can finally feel secure about my credit report again.
Product: Money transfer, virtual currency, or money service

XX/XX/2021. {$220.00} wrote a check for groceries at local XXXX the check # XXXX XXXX declined Contacted CERTEGY they could give No reason why
Product: Payday loan, title loan, personal loan, or advance loan

2023 it happened a couple months in a row until I was able to end th3 services with them. 
I was sent through a chat system with the company. 
They would take random small amounts of money before the actual due date, that would then put my account in the negative, they then would hold money in a separate savings service and not let me withdraw, which would then not let me cancel using their services, they would change me fees weekly for using their services even though I had asked for my account to be deleted.
Product: Debt collection

They are calling me saying I owe a debt and they are Chase Receivables and their web site is called chaserecievables.com. I have never had a account with Chase Bank. I have call Chase bank and they do n't know the phone number they have left for me to call. Chase bank has told me not to share any info with them. When I did call, because they call everyday, they wanted me to verify the address by giving where I lived. I ask them to give me the address the have and they would not do that saying it is illegal. I ask why they have not mail any info to me. they say they have. The biggest problem I have with this is the are calling my home phone. I never use this number for anything. Do n't even know it without having to look it up. I only use my cell phone and they have never call me on my cell phone. I feel this is a scam and want the phone call to stop.
Product: Vehicle loan or lease

The company I leased my car with is Credit acceptance. My contract began on XX/XX/XXXX of XXXX. The vehicle purchase price was {$16000.00} for a used XXXX XXXX XXXX. The XXXX was XXXX percent. Today is XXXX XX/XX/XXXX and I still have about {$7000.00} remaining to pay on the vehicle. This is because I have been charged {$25000.00} and it has tremendously affected my credit score. Consumers have been robbed enough. It's time to shut them for Racketeering & Extortionate Credit Transactions.
Product: Payday loan, title loan, personal loan, or advance loan

Hello, This company has unfair and unethical policies. I asked them countless, even within 3 day rule to allow for the revocation to stop auto drafting my account! 

They gave me the run around and would refuse to stop auto drafting my account when I asked.
Product: Prepaid card

I transferred money to my account on cash app. 
It went through. 10 minutes later is was not there. I tried to find a number for them to call XXXX services but unavailable I tried virtual customer service but I'm still waiting for a response.
Product: Credit card or prepaid card

See attatched Fraud Claim letter dated XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX. ( Explains TEMP CREDITS ARE MADE PERMANET WHEN INVESTIGATION OVER. ) {$470.00}. ( **Please confirm PERMANET CREDIT APPLIED effecting my bal. ) Please explain HOW PERMANET CREDITS APPEAR ON STATEMENTS so I can find All these Credits. See attatched statement XX/XX/XXXX There are TEMP CREDITS to begin fraud investigations TOTAL TEMP ADJUSTMENT PURCHASES CREDITS are {$320.00} PLEASE CONFIRM THESE HAVE BEEN MADE PERMANET. The investigation MUST BE OVER BY NOW. see attatched Statement XX/XX/XXXX TEMP ADJUSTMENT PURCHASES CREDITS PLACED TO BEGIN FRAUD INVESTIGATIONS They TOTAL {$1.00}, XXXX TOTAL TEMP CREDITS THAT ** NEED TO BE MADE PERMANET. Investigation MUST BE OVER BY NOW. TOGETHER THERE ARE {$1.00}, XXXX TEMPS NEEDING MADE PERM XX/XX/XXXX XX/XX/XXXX and XXXX {$470.00} NEED PERMANET CREDITS APPLIED FOR ALL THESE TEMP CREDITS TO BEGIN INVESTIGATION
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$130.00} XXXX XXXX Balance : {$99.00} XXXX XXXX Balance {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are incorrectly reporting a collection on XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have been served regarding this account and the account is also currently being reported on XXXX XXXX and consequently should NOT be reporting on my credit report. I was also told this collection account would not appear on my credit report. I was not aware this account was showing as a collection until I obtained a current copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Debt collection

I rented a car through XXXX while on vacation in California on XXXX XXXX 2022 to XXXX XXXX 2022. Following my trip, the owner of the car claimed false damage that I did not do. The original claim for repairs was {$1300.00}. I then received a supplemental report for further repairs needed in the amount of {$1600.00}. These charges are absolutely unjust. I provided proof that I did not do the damage. The company states the claim stands. I think this is completely unfair and unjust damage reports. I refuse to pay {$3000.00} for something I did not do. I want legal recourse to dispute this.
Product: Payday loan, title loan, or personal loan

Had a loan with Heights Finance. My daughter had a XXXX and was not working. My daughter and I live in the same house only different apartments. We combined our money to pay bills. It got tight but were doing our best to keep up. On XX/XX/XXXXheights finance discussed my entire acct with my daughter without my permission including payment amount and deferring a payment on the loan including the exact amounts needed to pay the loan and made payment arrangements on my acct without written consent. XXXX at our local branch then proceeded to call me and tell me that my daughter was XXXX and did n't know what she was doing and i should n't be helping her out with her bills, which is none of their business.