23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I applied for a money market account with a {$500.00} bonus. The terms state : " Heres the full scoop on how to earn your {$500.00} bonus : Open a XXXX XXXX XXXX account and deposit at least {$50000.00} between XXXX XXXX  ET on XX/XX/XXXX, and XXXX XXXX ET on XX/XX/XXXX. When you open your account, enter your promotional codeXXXX. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). If you have or had an open savings product with Capital One after XX/XX/XXXX, you're ineligible for the bonus. This offer can not be combined with any other Capital One Bank or Capital One 360 new account opening offer. Bonus is only valid for one account. '' Can be found here : https : //www.capitalone.com/savings500/ I deposited $ XXXX at three separate times. My individual deposits exceed the $ XXXX requirement for deposit. The bonus nowhere states that a certain balance must be held or maintained. It simply states the sum of deposits -- which I've met.
Product: Checking or savings account

I was just recently released from the XXXX XXXX XXXX XXXXXXXX. XXXX  number XXXX. in XX/XX/XXXX upon being XXXX  I went to my Chase Bank which the last I was able to access was XXXX XXXX XXXX my last known knowledge of the account was it was good and good standings and there was a deposit for XXXX pending as well as an incoming deposit of {$1000.00} and an ACH transfer for XXXX pending. I was also involved in an incident where my wallet and debit card was stolen a couple of months prior to that and someone walked into Chase Bank and withdrew {$12000.00} from my account. This should have been a huge red flag but they allowed it and II was also involved in a incident where my wallet and debit card were stolen a couple of months prior to that and someone walked into Chase Bank and withdrew {$12000.00} from my account. This should have been a huge red flag but they allowed it, and I still dont know who that person was, when I was released, I went to them with this information and immediately was informed that my account was XXXX something XXXX XXXX. I disputed this because my account was illegally hacked by my ex-wife, and all my funds were stolen. I provided Chase with all the proper documentation, as well as, whatever else they required was open and I was told in order for the {$12000.00} issue to be addressed. I needed to fix this first course of investigation was granted provisional credit amount {$1700.00} {$1100.00} {$1000.00} {$650.00} {$650.00} {$75.00} {$5.00}. The check numbers that were supposedly mailed were XXXX. XXXX. XXXX XXXX XXXX XXXX they were supposedly mailed on XX/XX/XXXX and sixth upon checking I can see that some of the credit funds were used to pay off the charge off account which I feel is illegal. I should not be liable to pay for the fees that acquired from a criminals shopping spree. the Chase bank officials have been nothing but rude and assisting me with attributing my funds to the proper place which is with me. I have just gotten home from XXXX and I would not risk anything especially alive or attempting to fraud in order to go back I am doing my best to get back on my feet and be the great father that I know I could. I sent so much documentation to these people. I dont understand how they could mess this up upon checking further with him I was informed that the account was closed and all the disputed amounts are denied which is weird because the reason the account is closed with a positive balance is because they took funds from the provisional credit I was afforded. No one has any recollection of these checks, even though there are numbers provided.
Product: Prepaid card

I have an American Express Serve card that I use as a budgeting tool. For the last year I have setup daily deposits from my XXXX bank accounts into my AMEX XXXX card for {$180.00} daily for a monthly total of approximately {$3400.00}. I then use their bill pay option to pay my rents and bills with these funds. On XXXX XXXX i logged into my account and discovered most of my money was gone with XXXX foreign transactions totaling XXXX that appeared to take place in XXXX. ( I have never been to XXXX ) My card was never lost or stolen and is stored at home in my safe since I do n't use it as a traditional credit card, but as a bill payment budgeting tool. I contacted American Express immediatlly and spoke with their fraud department who helped me change my password, pin and security question. The also cancelled the card and ordered me a new XXXX. They reassured my that my money would be returned to me within XXXX7 business days and that I would be contacted by a fraud specialist in the next two days via my phone. I waited a week with no response or activity, so I called again on XXXX XXXX, 2016 and had to repeat the same procedure again with a different fraud agent, who again said someone would notify me in a couple days and that my money would be returned within XXXX7 days. On XXXX XXXX, 2016 I attempted to log into my account and check the balance only to discover i had been locked out. I again called American Express who informed me that my account was closed due to some breach of contract and that my case was denied and I would not be credited with the stolen {$1000.00}. In addition they froze approximately {$2000.00} that was still in my account and said they would return it once my account had no activity. They will not communicate with me and inform me my only option is to write them a letter. I have a family of XXXX and they have put us in a very precarious position by not blocking these obvious fraudulent charges in XXXX and now closing my account and freezing my access to my {$2000.00} balance. I am not sure how I will pay my bills this month and am facing a 10 day eviction notice due to them taking my {$3000.00} and putting my family in a position where we can not pay our monthly bills. Ive filed a police report as they instructed but they still will not talk to me since they denied my case. Please Help!!!!
Product: Mortgage

Improper collection of taxes After receiving the requested information ( evidence of tax payments, indicating the institution that made them ), I went to the tax collector agency to confirm if these payments were credited to my account. The following was found : 1. Check number XXXX for the amount of {$3400.00} has a cadastre number written on it that does not correspond to my property. So that amount is not credited to my property. 
2. My property has another number in the registry. At the moment it has not been assessed for tax purposes.

3. The person in charge of evaluating the accounts was not available that day, so they gave me an appointment for Thursday, XX/XX/XXXX, to analyze the account, find out the whereabouts of the other check and, if necessary, make the corresponding claim. 

Due to the foregoing, I request that the collection of this money ( {$3400.00} and {$860.00} ) be stopped, until it can be verified beyond a reasonable doubt, that they have been allocated to the taxes corresponding to my property. At the time of writing this claim, I do not have the {$530.00}, which the institution determined to charge me, in addition to my monthly payment. I can and wish to continue paying the {$780.00} corresponding to my monthly payment, while this situation is clarified. I resort to sending this request through this agency, for the prompt response, as opposed to resorting directly to the institution. I await your response for the benefit of both parties and that my credit history is not affected.
Product: Mortgage

I had been a victim of Identity Theft. I had been working with my bank to try to correct my account and then also my mortgage payments to Fay Servicing. I went to several places to try to get mortgage assistance and was not successful. I then was referred on XX/XX/2022 to Administration of Resources and Choices ( ARC ) to get the assistance I needed through the Homeowner Assistance Fund ( HAF ) however, it was late due to the Auction sale date of XX/XX/2022. The XXXX XXXX contacted the Congressional Office of XXXX XXXX for help on requesting the postponement of the sale date. That same day of XX/XX/2022 the Congressional Office requested the postponement ( see attached email ) Also, Congressional office received confirmation of receipt on XX/XX/2022 of such request/ However, Fay Servicing never responded. On XX/XX/2022 XXXX XXXX went to the Bankruptcy court to file XXXX  XXXX Bankruptcy in order to save her home. The XXXX was filed and XXXX am ( see attached ) and auction sale was to take place at XXXX XXXX. 
Even though the Bankruptcy was filed before the sale, it still was auctioned off with no regard to the bankruptcy filing.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$2900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Someone XXXX  them self in my XXXX XXXX account I could never figure out who, then my bank access closed. A day XXXX my direct deposit from my job so I had to go find a new bank just to get paid from work when it wasnt my problem they that last XXXX account was closed. I didnt not give access to my XXXX XXXX XXXX this person did a dispute and that made me loose not only my XXXX account and my checking and savings.
Product: Debt collection

They contacted my elderly parents at night. My parents have a call blocker that requires the person to state their name and then my parents have the ability to accept or deny the call. 

This company pretended to be me saying they were XXXX XXXX. 

My attorney XXXX XXXX told them not to call anyone on XX/XX/2018. 

They called XX/XX/XXXX. My attorney called them again and warned them not to call again and they said they would not abide by our wishes. 

My attorney can verify all of this. 

XXXX XXXXXXXX XXXX, ESQUIRE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Florida XXXX Telephone : ( XXXX ) XXXX Facsimile : ( XXXX ) XXXX
Product: Debt collection

I've received a letter requesting payment of a debt from a 3rd party collection agency. 
I've responded with a letter dated XXXX, requestinq debt validation for the account, pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. 
No other communication was received from the collection agency, as well as any type of verification, validation or answers. 
A negative remark was made to the Major credit bureaus and to my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to both XXXX and Equifax on XX/XX/. To this date, I have not yet heard back from XXXX in regards to the dispute. I received a response back from Equifax on XX/XX/, but the matters of the dispute were not rectified. The dispute was to notify XXXX and Equifax of the unauthorized Disclosure of Nonpublic Personal Information. Equifax responded by saying that item belongs to me but I never disputed the fact that the item belongs to me, I disputed to them by stating that every account on my consumer report had disclosed my nonpublic personal information to a nonaffiliated third party without providing me with a notice that complies with the requirements of 15 U.S. Code 6803. This action is a clear violation of my privacy rights and an infringement upon the safeguards put in place to protect consumers like myself. Again XXXX never responded to the dispute and Equifax did not do their due diligence in properly investigating this matter. 
Tracking Number of dispute for EquifaxXXXX  Tracking Number of dispute for XXXX : XXXX
Product: Mortgage

I use online bill pay to make my monthly mortgage payments. I typically pay my mortgage within the first few days of each month ( XXXX or so ). 

In XXXX, I submitted a payment to NewRez ( servicer ) on the XXXX. The XXXX XXXX ( XXXX ) confirms that a check was produced and mailed on the XXXX. I live in XXXX, OR and NewRez is apparently in XXXX, TX. 

According to my XXXX account, the funds were taken out on XX/XX/XXXX and at that point I no longer had access to them. However, NewRez says they did not receive / open / credit the payment until XX/XX/XXXX, which resulted in a late fee of {$140.00}. 

I talked to them twice to explain the situation but they will not remove the fee. 

It is inexplicable to me that a. ) a payment takes XXXX weeks to travel from XXXX to XXXX ; b. ) the funds came out of my account a week earlier ; c. ) neither USPS nor NewRez, both multi-billion dollar operations will take accountability for these inexcusable delays and a dude from XXXX is stuck with a {$140.00} fine when he did everything right. 

I find it exceedingly unlikely that the check actually took 14 days to traverse XXXX miles and suspect it was received by NewRez well in advance of the XXXX. If so, and it took them a week to process the check, that's on them, not me. Either way, I have no intention of paying this fine when I did everything the way it's supposed to be done. 

NewRez receives my payment every month and has for 3 plus years. They make money servicing loans, which in and of itself is parasitic. NewRez does not own my loan, they took no risk in making it, yet still manage to make money simply by cashing checks and looking for excuses to charge people fees. It's absurd. And to top it off, I'd be willing to bet almost nobody who works there answering calls makes a living wage.
Product: Checking or savings account

I got an offer in the mail from Regions Bank offering a {$400.00} bonus within 90 days for opening a checking a count by the 3 steps on the mailer ( see photo ). 

I followed each step, opening the checking account with {$1500.00} on XX/XX/2022, complied with every detail written, and they did not award this {$400.00} bonus. I believe this is false advertising. 

I went to my local Regions Bank 3 times for resolution, the first time with XXXX who filled ticket number XXXX, the second time with XXXX XXXX, and the last time today XX/XX/2022 with branch manager XXXX XXXX who gave me complaint number XXXX. 

Regions Bank has a scam going here. I think the public should know.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX haven't been updating my information ( Credit Score ) since XX/XX/2014.
Product: Credit reporting or other personal consumer reports

I OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION SPECIFICALLY MY PAYMENT HISTORY OF MY XXXX  XXXX  ACCOUNT BEING REPORTED. THIS FALSE INFORMATION IS SEVERELY IMPACTING MY CREDIT AND I HAVE NEVER BEEN LATE. 

I CONTACTED BOTH XXXX  AND THE CREDIT REPORTING AGENCIES REQUESTING VERIFICATION OF LATE PAYMENTS, BECAUSE MY RECORDS INDICATE I HAVE NEVER BEEN LATE. I REQUESTED, VALID DOCUMENTED VERIFICATION, THE NAME OF THE PERSON WHO VERIFIED, AND VERIFICATION PROCEDURES. I HAVE NOT BEEN PROVIDED THIS INFORMATION WITHIN 30 DAYS. THESE LATE PAYMENTS HAVE BEEN UNVERIFIABLE. 

ACCORDING TO FCRA, 15 USC 1681A ( I ) UNVERIFIED INFORMATION MUST BE DELETED FROM CONSUMER PROFILE, 15 USC 1681 A-2-I, EXPERIENCES AND TRANSACTIONS OF CONSUMERS ARE EXCLUDED FROM THE CONSUMER 'S PROFILE AND 15 USC 1666B, BILL COMPUTATION ERRORS THAT INCUR LATE PAYMENTS MUST BE CORRECTED AND DELETED BY THE CREDITOR
Product: Student loan

I signed up to refinance all of my student loans under XXXX bc of the promise that the new loan would be back dated to the origin date of my oldest preexisting loan. I never would have refinanced without backdating. MOHELA slow walked my loan processing so that my new loan was never backdated. Now I have a new loan for multiple times my original dispersment and XXXX credit for past payments. This is a classic case of bait and switch, a practice that I believed was and is illegal...
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a XXXX letter to Experian asking for original documentation of verification of 5 items on my credit report. This letter was mailed via certified mail with tracking on XX/XX/2022. The letter was recieved on XX/XX/2022. I never received a response within the 30 days, and still have not received any proof or response about my request.On XX/XX/XXXX, I wrote another letter through certified mail, stating that I never received a response and that they were to remove the 5 listed items on my credit report since they were in violation of the FCRA. Today is XX/XX/XXXX, and none of those items have been deleted and I still have not received a response from experian.
Product: Credit reporting or other personal consumer reports

There was a fradulent inquiry placed on my credit by XXXX XXXX as a duplicate on XXXX. i never authorized these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

This creditor is violating my rights under the Fair Credit Reporting Act - 15 U.S.C.1681 section 602 - states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section .2 also states a consumer an not furnish an account without my written instructions and consent. 
NATIONAL CREDIT ADJUST is reporting I owe a debt of {$260.00} to them and this is false. I do not have an account with them nor have they provided me with a copy of the contract I have with their company with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX and XXXX and they failed to comply with the FCRA 605 B and the 4 day removal of fraudulent items on credit report. They verified a fraudulent account and that is against the FCRA. A fraudulent collection Account called : Americollect Collections-Date Opened : XX/XX/2019 for a balance of : {$720.00}. This account was disputed and XXXX and XXXX refused to remove this fraudulent item and the collection agency failed to remove it as well. Also, they are not reporting accurate information about me as well. I am going to file a lawsuit against the credit bureau and the collection agency if this account is not removed within 10 days. This is not right and you all are violating the law and committing fraud in so many ways. I will not tolerate it. Please remove this fraudulent item immediately! Thanking you in advance for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On information and/or belief, USAA is re-aging and/or falsely manipulating at least two of my former credit card accounts. [ 1 ] XXXX reporting as closed XXXX XXXX and XXXX 2 XXXX XXXX reporting as closed XXXX XXXX. 

PREVIOUSLY I reported to this body that USAA closed these two accounts without prior notice a number of years ago, on information and/or belief in XXXX. 

PREVIOUSLY USAA reported to this body that they had closed these two accounts without prior notice a number of years ago, on information and/or belief in XXXX. 

NOW USAA is reporting both accounts [ CLOSED XXXX XXXX XXXX. On information and/or belief, this is deliberate fraud on the part of USAA and in violation of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank Best Buy - I spoke to someone on XX/XX/2019 in order to create a payment arrangement for the bill that is due on XX/XX/XXXX. Per the person I spoke with, I believe her name was XXXX said that they have accepted the payment arrangement - please pull out phone records if possible because it was for {$100.00} on XX/XX/XXXX and the excess of {$91.00} on XX/XX/XXXX. She agreed and we hung up the phone. I called back and wondered as to why Citibank filed a derogatory mark under my credit report with XXXX. I called Citibank about this matter on XX/XX/XXXX - and the representative, I believe it was XXXX again - was not very helpful. She said all they can do is file an investigation. 

Fast forward to XX/XX/XXXX, another representative calls me while I am at work, I inquired about the investigation and per the representative, they have no record of one taking place. 

The representatives with this company just shows how ignorant they are. They failed to give me proper information on how this was going to affect my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

the information that is being reported is cause by theft i have never applied for these accounts that is being listed.
Product: Credit card or prepaid card

XXXX makes it so that automatoc payments scheduled for the min due date post late and consumers incur crazy interest payemnt like {$80.00}. 

They have reporter a late payment to my credit report and when Ive asked to settle this and close my account in exchange for them removing this from my credit report they asked me for {$800.00}, but my account balance is only {$360.00}. 

Please make this company do the right thing.