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

On XX/XX/2023, opened a checking account in response to an offer with {$200.00} bonus for meeting requirements of having monthly cumulative deposits of {$250.00} AND completing 15 debit card transactions within the first 60 days. Further terms indicated that upon these requirements being met within 60 days, the bonus would be paid within 2 business days. Having completed direct deposits on XX/XX/23, XX/XX/23, and XX/XX/23 and completing the 15 debit card purchases on XX/XX/23, all requirements were met on or before the 60th day of XX/XX/2023. However, to date, now the third business day since the 60 day opening period, I have not received the advertised bonus. 

Moreover, in connection with opening the account, two XXXX XXXX inquires were placed on my file, indicating one seemingly being a duplicate. Despite disputing, South State Bank provided information to XXXX XXXX that indicated both as valid, when in fact only one is valid in connection with this account opening.
Product: Debt collection

I have written ALPHERA Financial Services twice regarding information being reported on my credit report by their company. The first letter was hand written. The second was typed to ensure Alphera would take my concerns more seriously. Each of the letters were sent thirty days a part. In Each request I asked that Alphera send me the legally required debt validation. They have REFUSED. When I received a reply back Alphera they told me that they would not be replying to my request and in one letter they even advised me not to reach back out to them. They have violated my rights and a number of laws. They have gone pass the legal required time to respond to my request, TWICE. i am demanding that they remove this unverifiable information from my credit report!! This company had thirty days to provided the requested information and they have failed to do so within sixty days.
Product: Credit reporting

Equifax does not employ Americans and forces me to give my personal info to people in XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following XXXX Accounts below have violated my rights. 

15 U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. 

Account Name Account Number 1. Mn Child Support Enf XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX. Us Dept Ed XXXX XXXX. Us Department Of Edu XXXX XXXX. U S Dept Of EdXXXX XXXX XXXX. XXXX XXXX XXXX
Product: Debt collection

Collection Agency PACIFIC CREDIT EXCHANGE XX/XX/2021 Account Number # # # # # # # # # # # # # XXXX {$4600.00} that I owe I have never signed any written document saying that i owe this debt to this collector. 
they are violation my right of the FCRA as a consumer. 
I do not know who they are and not written consent from my end. 
also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 

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

I checked my credit and found that XXXX XXXX XXXX DID NOT remove he account as promised, if I paid the debt in full. Instead, they have reported it as charged off paid. That is NOT what was promised to me by XXXX XXXX, Sr Collector at XXXX XXXX. I want this account removed ASAP!
Product: Credit card

On XX/XX/year>, I received a notification from Apple that an XXXX Ride had just been purchased or paid for in the amount of {$96.00}. I immediately contacted Apple concerned about the charge and realized that it was a fraudulent charge. Apple proceeded with the dispute and never asked for any additional information. After Apple 's investigation, Apple determined that my Apple ID was used and that I was responsible for the charge. I immediately contacted Apple and asked for a supervisor to ask that the charge be investigated again. I never gave anyone my Apple ID password and would never do so. A second investigation from Apple was done on XX/XX/year>. Apple never contacted me for any additional information in which I have an XXXX account that no one but myself has access to. Apple declined to accept that this charge was fraudulent and that I have never visited XXXX. I'm a victim of fraud from a charge using XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX 15 USC 1681 section 602 A states I have the right to privacy.15 USC 1681 604 A section 2 It also states a reporting agency can not furnish a account without my written instructions. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Experian is not responding to my request to investigate, verify and remove accounts from my credit report per The Fair Credit Reporting Act.
Product: Mortgage

While I was behind on my mortgage payments, I applied to HAF. I notified my servicer, Rushmore, that I had applied to HAF and was trying to apply for modification. I submitted several applications for a modification because my loan was given to Rushmore by my old servicer XXXX XXXX who had not submitted my modification application. Therefore I had to start the application process again. Later I was told I had not submitted the application completely and had to reapply. I did inform Rushmore that I had been notified by HAP and provided them with my application ID number. 
Unfortunately, when HAF contacted me to provide assistance, Rushmore had placed my loan in foreclosure. I feel this was correctly done having informed them of my HAF status. Currently Im in the process of waiting for my modification approval and HAF can not help unless my loan is out of foreclosure. 
I dont know the reason I was placed in foreclosure since Rushmore was aware that I was working with HAF. I hope you will be able to assist as I believe this was done in error.
Product: Student loan

In XX/XX/XXXX, after using my allotted forbearance, I was forced to begin repayment on my Navient ( formally XXXX ) private student loans. At the time, I was unable to find full-time work and I could not afford the minimum monthly payment. I called Navient numerous times in an attempt to find a solution that would n't result in default. None of the programs they offered at the time lowered my payment enough for me to afford. 

As the date was approaching where I would start missing my payments, I reached out again to Navient in desperation. The person I spoke to this time explained to me something I had not heard before. I was told if I do go ahead and default, other programs would become available to me through Navient. I questioned why I would have to default first to be eligible for other programs, but I was told this is the way it is. I also asked what the programs were so I could judge if it was worth defaulting for, but I was told that information could not be provided to me beforehand. 

With no other option available to me, I went ahead and missed multiple payments as instructed by Navient. I was then able to work with the Collections Department ( I believe that was the name of the department ) and they offered me a program called the " Interest Rate Reduction Program '' ( now simplified to " Rate Reduction Program '' ). With this program, my payments were reduced to an affordable amount by having all of my interest rates reduced to 1 %. Each year I have to reapply and my interest rate goes up, but I have been able to afford the payment and have not missed a payment since then. 

The problem is I was forced to miss multiple payments before being offered this program which is being reported on my credit reports. After I was on the program and making the payments, Navient continued to report my payment being late for another few months. It was described to me at the time as the payments having to catch up from the payments I missed. The date range that this is being reported is XX/XX/XXXX through XX/XX/XXXX. Since that time, my credit reports/scores have been negatively impacted by this information. 

I later found out from other people that I know who are also on this program with Navient ( including my sister ), that they were not required to default first. This program was available and offered to them without any negative impact to the credit reports/scores. I have attempted to dispute this information through the XXXX credit bureaus and with Navient with no luck.
Product: Checking or savings account

I was told that the incidental charges would be {$50.00} yet I was charged {$210.00} without my knowledge. When I asked the property what this was they stated that incidentals are only {$50.00} and I should not have been charged this amount at all. 6 days later the charge is still pending and the hotel confirmed to my bank that they can release the funds because theyve already processed payment via third party and the charge doesnt exist. My bank refused to do a manual release of funds even after the hotel confirmed that I should not have been charged in the first place.
Product: Mortgage

I am writing about mortgage practices initiated by Citigroup that give priority and privilege to a particular XXXX group of people. These practices are XXXX and I am clearly being discriminated against by these practices. See Citigroups ad below : https : //www.citigroup.com/citi/news/2020/200923a.htm What will you do to ensure that ALL AMERICANS are treated fairly and have the chance for home ownership and wealth in the United States ? 

This XXXX policy initiated bt Citigroup needs to be investigate and stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX .... Balance : {$2000.00}
Product: Credit reporting or other personal consumer reports

I disputed this account several times with each credit bureau. XXXX and XXXX refuse to remove the account from credit report even though the date of first delinquency date is incorrect. They noted it as XX/XX/year> but it was XX/XX/year> which matches the last date of payment. Its also too old to be on my account. Its been XXXX! This is so long ago, I cant even provide a loan or account number because the emails from years ago dont include the account info. I have no paperwork from them etc
Product: Prepaid card

On XX/XX/ I made a payment of {$1000.00} to XXXX XXXX XXXX XXXX. The transaction cleared. I used my CoAmerica Direct Express card. On XX/XX/XXXX I called Direct Express to dispute a {$15.00} charge from XXXXXXXX XXXX that was being debited weekly from my card. The dispute agent made a mistake and disputed the {$1000.00} debit to my storage as well. On XX/XX/XXXX my storage called me and said my bank reversed the XXXX. I called Direct Express to see why. The representative said because you disputed it. I said I did not only the {$15.00}. I said the representative that I spoke with asked me about the {$1000.00} charge and I told her it was fine and that it was for my storage. The representative apologized for her mistake. I said the storage called me can you send the money back to the storage. He said no we can not send to the vendor but we can put the money on your new card. He did. So this transaction should have been put in their records as a refund. Direct Express recorded the {$1000.00} as a line of credit. On XX/XX/2024 Direct Express took {$1000.00} from my social security check because they said it was a line of credit and because the dispute was closed I owed them the {$1000.00}. I have called them and spoke to several representatives and they won`t listen to me. They closed the many disputes I filed regarding my refund not line of credit and they continue to say it was a line of credit not refund.
Product: Money transfer, virtual currency, or money service

Hi. I will start from the beginning. On XX/XX/XXXX I made a purchase for {$400.00} XXXX ETH with my credit card from Coinbase. On XX/XX/XXXX I got an email from Coinbase about duplicate charges on accounts. I was also charged twice. In the email Coinbase said that the error was not caused by them and I should contact the card holder which is XXXX. I did that and I contacted XXXX. XXXX gave me a provisional credit for {$400.00}. I've attached a pic at the bottom of this email. Everything was good but then on XX/XX/XXXX I got an email from Coinbase that said my purchase of {$400.00} ETH XXXX was being reversed. On XX/XX/XXXX I checked my Coinbase account and it said {$400.00} ETH   XXXX and a fee of {$15.00} was sent to Coinbase. So apparently Coinbase took back {$400.00} worth of ETH but because of market fluctuations its more ETH because it is now valued less. That transaction was not supposed to be reversed because XXXX was only reversing the amount I was overcharged to begin with. So I don't know why Coinbase went into my account and took that back. so now I'm owed {$400.00} ETH XXXX as well as the fee of {$15.00} from Coinbase. Ive been trying ever possible way to get in contact with Coinbase to fix the issue but they are not responding. They took my money and will not offer any support to give it back. This is stealing and should be illegal. I only did what Coinbase instructed me to do which is contact my card holder. Ive saved all the supporting emails. Please help!!
Product: Credit reporting or other personal consumer reports

I filed a few disputes with XXXX confirmation # XXXX # XXXX # XXXX about me victim of identity theft and I was effected by XXXX XXXX breach and XXXX XXXX XXXX  XXXX breach. XXXX is refusing to remove these inquiries that I didn't authorize. ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Someone used my information without my authorization for I am victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account name 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: Debt collection

There was a judgement for {$7300.00} from Honor Finance LLC on XX/XX/XXXX. Honor Finance LLC is no longer and existing company. Honor Finance LLC was indicted by the United States Department of Justice on XX/XX/XXXX and subsequently dissolved all it's assets as a legitimate business and company.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX  XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : 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
Product: Student loan

I am a Public Service Loan Forgiveness ( PSLF ) qualifier. I have worked for the same school district for 20 years, and have never missed a student loan payment. I have documentation from XXXX ( now serviced through Mohela ) of every on-time payment that I have made. I have made XXXX required for PSLF. I should have been given forgiveness when I applied XXXX years ago, but have gotten nowhere with XXXX, and now Mohela. Just yesterday, Mohela told me that I probably won't qualify because my loans, at some point kicked into deferment when I was taking classes. I continued to make payments even while I was taking classes, but Mohela says that doesn't matter, because it's indicated prior to my loans going over to them ( previously XXXX ) they can't do anything about it, and I would have to start repaying my loans in XXXX! I have spoken to XXXX different individuals over the course of XXXX years about my loans, and no one has ever told me they wouldn't be approved because I was in deferment/forbearance. The problem is... I didn't even know I was in deferment because the loan company never told me that. That was not my choice ( obviously, because I continued to make payments ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3400.00} ), ( XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1100.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1800.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1800.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$2200.00} ), XXXX OF XXXX / XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXXXXXX / XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXXXXXX XXXX XXXX / XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXXXXXX XXXX XXXX  / XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXXXXXX XXXX XXXXXXXX / XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Best Buy CBNA is reporting a tradeline that I never applied for to my consumer credit file. I never authorized an account with Best Buy CBNA nor was I aware that an account was ever opened in my name. Best Buy CBNA is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any line of credit with XXXX. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA. XXXX XXXX XX/XX/1980 XXXX
Product: Debt collection

I sent Amcol a certified letter requesting that they validate this debt they are attempting collect and is stating that I owe. Under the FDCPA I as a consumer have the right to request information to prove that I indeed owe the debt and the said amount. I have attached a copy of the certified receipt that is signed by XXXX with Amcol. I have yet to get the information necessary for them to have before they can legally report or collect this debt. As of today XXXX/XXXX/2015 Amcol is still reporting invalidated debt that is detrimental my credit score and is defamation of my character. please look into this company 's deceptive practices and help me to resolve this matter quickly and efficiently.
Product: Vehicle loan or lease

I had a total loss on a XXXX XXXX XXXX due to an accident. The loan was through Wells Fargo Auto account XXXX. I check for the payoff was sent from my insurance company - XXXX  - Claim XXXX XXXX. A check was received in the Wells Fargo Auto Loss Department in XXXX AZ per Wells Fargo instructions on XX/XX/19 - XXXX XXXX tracking # XXXX in XXXX Arizona by a XXXX XXXX. 
As of today XX/XX/19 there has been no application of the check, the account is still open and accruing interest and after 5 calls, no representative can provide any answer as to why this has happened.
Product: Checking or savings account

On XX/XX/2021, I purchased a dress from a vendor in XXXX XXXX XXXX XXXX XXXX, via debit card and XXXX, for {$350.00} USD. 

I received the dress on XX/XX/2021 in a XXXX shipping bag. There was no customs paperwork, no invoice, and no documentation inside the package. The package was brand new and certainly did not appear to have made the trip from XXXX to XXXX, Oregon. It had no customs marking on the package. 

The dress inside was wet, foul smelling, moldy, and crumpled up with a wet piece of filthy tissue paper. Minutes after opening the package, I called XXXX and asked for a delivery person to inspect the package and the dress. I was told by XXXX, it was my problem and I would need to take it up with the vendor. I called my bank, US Bank, immediately and started a claim on the purchase. US Bank issued a provisional credit. There was no phone number for the vendor so I sent a series of emails that were not responded to over the course of several days. US Bank mistakenly pulled the provisional credit from the wrong vendor. It then released the provisional credit back to the vendor. I called US Bank and they reopened the claim and reissued the provisional credit -- again from the wrong vendor. I have spent over 15 hours on the phone with US Bank ( not including the time spent on the [ phone with XXXX and XXXX XXXX trying to get this claim resolved and to clear up the bank 's mistake regarding issuing the provisional credit against the wrong vendor. 

Every time I speak with someone at US Bank I am told contradictory and incorrect information. I get endlessly transferred from one person to another, one department to another. Most of the time I hear, " that's not my department, you need to speak with someone else. '' I also have to reexplain the whole situation each time I am transferred. I have spoken with at least ten different managers, customer service reps, fraud specialists, and claim specialists since XX/XX/2021 without any resolution. 

I have very serious concerns about the competency level of everyone at US bank I have spoken to regarding this issue, where one vendor is denied the money she is rightfully owed and another benefits from this incompetence at my expense.

No US Bank manager seems to be able to fox this problem. Please help me to get the innocent vendor paid and my claim resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXXXXXX XXXX XXXX Balance : {$220.00} XXXX XXXX  XXXX Balance : {$220.00}