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

I was looking through my credit report that saw some hard inquiries that do not belong to me
Product: Checking or savings account

I have not received my 17 % bonus promotion on my initial direct deposit. The 90 day qualification period has ended.
Product: Payday loan, title loan, or personal loan

My complaint is with Advanced Financial 24/7 of XXXX TN. I've been doing business with them for awhile. I've been paying them and recently made a payment on XX/XX/2020. As of our agreement every two weeks and I've been faithful. But here this last couple months it's been nothing but harrassment. It's a constant stream of phone calls starting at XXXX to as late as XXXX every single day at my home, my job, even my wife! I had paid and paid and they still call saying I'm not making payments at all!!! My bank has all the proof that I am paying and Advance says I'm not.
Product: Debt collection

On XX/XX/XXXX, I sent a Billing Error Notice to Barclays Bank XXXX XXXX registered XXXX XXXX XXXX XXXX, via XXXX XXXX mail with a Domestic Return Receipt. XXXX XXXX XXXX received the Billing Error Notice on XX/XX/XXXX. 

I also sent a copy of the Billing Error Notice to BARCLAYS CARD SERVICES via XXXX XXXX mail on XX/XX/XXXX. That Notice was available for pickup by BARCLAYS CARD SERVICES from their XXXX XXXX XXXX on XX/XX/XXXX. 

I am aware that BARCLAYS shall follow the following procedures as defined in 12CFR 1026.13 ( e ) ( 1 ) Correct the billing error and credit the consumer account with any disputed amount and related finance or other charges, as applicable ; and ( 2 ) Mail or delivery a correction notice to the consumer.

I am also aware that BARCLAYS as the creditor may not collect any disputed amount. The creditor can not restrict, accelerate payment or close an account and or make or threaten adverse reporting to any person about the consumers credit standing without resolving the billing error. 

BARCLAYS has not reported the debt as disputed, which is a violation 15 USC 1692 ( e ) ( A ) ( 8 ). BARCLAYS also closed my account on XX/XX/XXXX, which is a violation of the FDCPA as well. 

Lastly, BARCLAYS has not responded with a rebuttal, point for point, which forfeits BARCLAYS right to collect the disputed amount as described in 15 USC 1666 ( e ).
Product: Debt collection

I disputed this account with the credit bureaus in the past and it was deleted and now this debt was recycled and purchased without any proof that alleged debt is mine.Sending a bill is not proper validation that i owe alleged debt nor my signature can be verified.Please delete negative information off my credit report or i will have my attorney from XXXX XXXX XXXX in XXXX, Fl to seek damages for defamation.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$1400.00} XXXX XXXX Balance : {$520.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX Balance : {$1.00}
Product: Credit card

i have applied to chase credit card " slate '' balance transfer. with {$0.00} intro fee on transfers made within 60 days of account opening. 
after i have received the card i requested to transfer funds to my checking account. but they agree to make a transfer only after 90 days from opening the account which i will have to pay % 5 fee. and the 0 % will only apply to funds transfer to other credit cards only. 
none of that is mentioned anywhere in there term and conditions, not on there website and not on there promotion letters and not on the written terms and condition attatched to the physical credit card. so i asked the representative his name is XXXX to show me where it says or limit the balance transfer to only credit cards or i have to wait 90 days from opening the account. but he could n't find it either so i spoke to a supervisor and her name is XXXX from XXXX Ohio and she failed to show me and even approved that it does n't show anywhere on there website neither on there letters. and that is miss leading the customers as they suppose to have these terms written and mentioned on there terms and conditions like they mention all other terms. and make sure they mention it to the customers before they open the accounts. not after running their credit and after opening the account. and that is miss leading the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been getting the run around from Source Receivables and XXXX. I have asked for contract or a itemization from Source Receivables they tell me to ask XXXX and neither one of them will give me what I'm asking for. This is not a hard request to complete. This is not a legiment account and needs to remove from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all creditors in this Matter Capital One Bank and XXXX and informed them that my identity, wallet was stolen and fraudulent activity took place while I was oversea in the Military. I have filed police reports submitted consumers reports and the debts were removed and return. The debts are not mine as they are fraudulent. On ( XX/XX/2017 ) I discovered ( negative credit items with Caapital One and XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. The data is wrong and both the reporting agency and bureau are not following guidelines adhering to FCRA. If this matters are removed I will have not choice but to file a lawsuit against all parties involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was charged a monthly fee without my knowledge, for a service that I thought was free. I signed up for TransUnion after being directed there from XXXX, and I saw no disclosed charges. When I purchase a service I expect to be told up front about any cost that will be occurring, especially a regular monthly charge. After speaking with a representative, my service was cancelled and my {$19.00} charge for XX/XX/XXXX will be refunded. However, I want to be refunded the charges from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXas well, totalling {$59.00}. The customer service rep admitted that they could tell I hadn't used the service often, if at all. I was sneakily and dishonestly charged for a service I wasn't even using, and as such a total of XXXX was stolen from me. My name is XXXX XXXX and my phone number is XXXX. I spoke to a rep today, XX/XX/2018 around XXXX. I did not request from the rep to refund the additional months, as I did not know they existed until after I hung up and went back through my credit history. Therefore, this rep should not be blamed for not providing good service. After reading other reviews of similar things happening to other people with no satisfying results, I contacted TransUnion through some online messaging system, and immediately came to file a complaint due to my extreme dissatisfaction and digust.
Product: Debt collection

I have been contacted by ; DYNAMIC RECOVERY SOLUTIONS They state the Current Creditor is : XXXX XXXX XXXX. They do not have a full original account number and only show four digits for a presumed account. 
They state the Total Outstanding Balance : {$17000.00} I received the last letter from them dated : XX/XX/2020 They have been consistently calling my home phone at all hours of the day and night trying to hassle me into agree to owing said amount. I have hung up and now do not wait for the call to connect before hanging up. I have requested they no longer contact me at the number they have. 

I do not owe this amount to DYNAMIC RECOVERY SOLUTIONS. My credit is good and I have no interest in their presumed offer to resolve said debt. Any previously owed money has passed the law of limitations and I can no longer be sued nor can it be reported. This has been many, many years ago. 

They state that " the law limits how long I can be sued on a debt. Because of the age of my debt, XXXX XXXX XXXX will not sue me for it, and XXXX XXXX will not report it to any credit reporting agency ''. 

I wish for this company to cease and desist contacting me for presumed debit or any other reason. 

Thank you for your help in this matter as I have been unsuccessful in getting this company to stop contacting me.
Product: Credit card

We noticed on the morning of XX/XX/2023 that our XXXX clicklist account had been hacked and used to purchase XXXX in groceries from a XXXX in XXXX, TX using the XXXX XXXX XXXX that is backed by US Bank. We contacted XXXX and they said to contact US Bank. I made a call at XXXX filing a fraud complaint with US Bank XXXX After noticing nothing done I followed back up XX/XX/XXXX in which time a temporary removal was done on XX/XX/XXXX. The charge was put back on my account XX/XX/XXXX. I called again on XX/XX/XXXX at which time I was told my fraud claim was denied. Between XX/XX/XXXX to XX/XX/XXXX I called 4 more times asking to speak with a fraud specialist handling my case with no luck. On XX/XX/XXXX i received a call from someone but missed the call. They left me a voicemail with a name and number. I called this number and left a voicemail XXXX times between XX/XX/XXXX to XX/XX/XXXX with not even a return call.
Product: Credit reporting or other personal consumer reports

XXXX : This is an account I co-signed ( XXXX, XXXX ) for my daughter XXXX XXXX who secured a loan with XXXX XXXX. She paid on the loan until last year when she filed bankruptcy. This loan was charged off, however, they added it to my credit report with the full loan amount of $ XXXX. I've tried to dispute it several times. I know this is a subprime lender that has several lawsuits filed against by consumers. I have never had possession of this car. This loan has disqualified me from refinancing my home back in XXXX. 

XXXX  : I have paid these accounts in full. 
XXXX XXXX : This account has been paid in full. 
XXXX : {$800.00} - Incorrect balance and reporting dates. 
XXXX XXXX : {$500.00} - Incorrect balance and reporting dates. 
XXXX / XXXX XXXX  : {$480.00} - Incorrect balance and reporting dates. 
XXXX XXXX XXXX  : {$730.00} - Incorrect balance and reporting dates. 
XXXX XXXX  : {$1000.00} - Incorrect balance and reporting dates. 
XXXX XXXX : {$490.00} - Incorrect balance and reporting dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed in several disputes to XXXX, Equifax, XXXX disputing derogatory accounts that are not mines, I filed a FTC report, Credit reporting agencies response is VERIFIED, I mailed a request for verification and have not received anything, please help. 
I have been denied credit because of the inaccurate information on my credit report that is not mines, the credit reporting agencies is not accepting the fact that this identity theft, they are in violation of my rights.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act US DEPARTMENT OF EDUCATION/XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy. 15 U.S.C. 1681b 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and equifax have held incorrect information on my credit report due to identity theft and I am unable to contact anyone or login to their website it has been stuck for almost a year with either them hanging up on me on the phone and no response from email by anyone. I have letters to serve them with and no body seems willing to help and it has put me in severe financial distress due to having these incorrect things on my credit I've been denied bank accounts home loans and being able to even get a car. Basically almost crippled my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I notice there was serval errors on my credit report with XXXX, XXXX and TransUnion. I reached out to them to fix the errors and also sent out a notice of error to remove all fraud that has been reported on my account without my written consent. The credit reporting agencies never responded back to me or bother to fix the problem. So I sent out a second notice on XX/XX/2022 to all the credit reporting agencies and still haven't receive a response back for them to fix the errors. This will be my last attempt to try to work this out before I have to take the steps to start the litigation process about the fraud activity taken place on all the credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed in XXXX several accounts that are not mine and several others that I was never late on. Also unauthorized inquiries. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.
Product: Checking or savings account

XXXX, a division of MidFirst Bank, has not fulfilled its referral promise. I opened my XXXX deposit account on XX/XX/XXXX pursuant to a XXXX advertisement. The bottom of XXXX 's website states : " XXXX MidFirst Bank. XXXX is a division of MidFirst Bank. Member FDIC. 

My direct deposits to XXXX appeared on my earnings & leave statement as deposited to " XXXX XXXX XXXX Bank. '' XXXX then encouraged me to " refer friends to XXXX, '' with the promise of {$50.00} for me and {$50.00} for a friend who opens and funds a XXXX account. I referred my friend to XXXX, and sent him the XXXX link designated for the referral promotion. He opened and funded his own XXXX account. We fulfilled all terms of the promotion, and our respective bonuses should have posted by late XXXX. I called XXXX about this on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The first two times, I spoke with a customer service representative who identified himself as " XXXX, '' and who confirmed that we had satisfied the requirements for receiving the referral bonuses. He said he would research why the bonuses had not yet posted. The third time I called, a different customer service rep answered. I explained the situation, and told her of the " XXXX '' I'd spoken to before. She said he would arrive to work shortly, and she would ask him to follow up about this. My friend and I still await the promised referral rewards. MidFirst Bank and its XXXX division engaged in false advertising and deceptive practices. CFPB, please help us!
Product: Student loan

My servicer is Aidadvantage. In XX/XX/2022 i applied for XXXX XXXX and did not choose forebearance. I was on the covid 19 foreberance and was able to see my estimated monthly payments. however about a month prior to the foreberance ending Aidadvantage reported a monthly estimate of about XXXX which was higher than the usual XXXX. Then i received notification of forebearance. In this notification and website it states the monthly estimated payment /requirement is XXXX. It also does not state what if any other fees would be added. I was also told that payment is not required and that I may acquire interest. however on the website it does not show this.

Recently, i received a credit report decrease due to my student loans increasing in the thousands. I reached out to Aidadvantage which simply said that my monthly is XXXX and that i am not required to pay this and that it is all on the website. However it does not show any of this on the website.
Product: Debt collection

I moved out of XXXX XXXXXX/XX/XXXXbuilding in XXXX of 2024. I lived there for six months. Was forced to cut my lease short because they refused to reasonably accolade my XXXX XX/XX/XXXXwith a handicap accessible parking space ( she is fully wheelchair bound ). We were denied time and time again so we had to call it quits and find housing elsewhere. I received a statement in the mail of my new residence that I was owed XXXX. XXXX $ back from my security deposit. I received my first email saying that I owed a debt to the building to the tune of {$460.00} on XX/XX/XXXX24 fromXX/XX/XXXX I didnt think anything of it. I then starting getting calls and emails from arent collection agency named XX/XX/XXXXEach time they called me I told them that I didnt know what was going on and that I didnt owe this money. I was met with employees saying that I was a liar and that they have seen this trick before. My credit score then got hit on XX/XX/XXXX24 for XXXX points. I was told that it was my responsibility to fix this issue by the debt collectors themselves. They said that I needed to provide evidence in order to make it go away and if I chose to not work with them on the issue then good luck every renting again.
Product: Credit card

Mon : XXXX XXXX, XXXX hrs. - XXXX XXXX XXXX XXXX XXXX XXXX ( BBY ) Best Buy Store. Sales person insists on me signing up for promotional " ( BBY ) Credit Card ''. Note ; Could NOT see clearly, my glasses broke while there. upon arrival home, got SPARE glasses, and noticed " Credit Card Signup Error ''. Returned immediately to ( BBY ) Store ( XXXX hrs. ) to get error corrected. Told by staff and Manager ; " They can do NOTHING '', Call ( BBY ) Credit ( XXXX ) XXXX. XXXX, XX/XX/year>, XXXX hrs. Called ( BBY ) Credit for inquiry. Denied Full Account # info by credit representative, and given only Last Four. So, I requested account be " Closed ''. XXXX, XX/XX/year>, XXXX hrs. Returned to ( BBY ) store to pay debt for Merchandise & Settle Account. " Unacceptable Method of Payment '' is error message I received at the store. Upon calling ( BBY ) Credit, phone staff tells me to ; " Get back to them in 3-4 days. Best Buy Sales Staff AND Mgrs. insisted that I " WAIT '' for card to be mailed to me, then just pay bill. They believe you " CAN NOT PAY A CREDIT CARD BILL WITH A DIFFERENT CREDIT CARD ''. Can you say ; " Balance Transfer ''. Denying me access to account number, denies me the opportunity to use MY BALANCE transfer privileges ' offered by my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did short sale on XX/XX/2010. I had the first mortgage and 2nd mortgage. The first was Chase and the 2nd was Chase Equity.  Chase took XXXX and Chase Equity {$3000.00}. 

Chase have kept charging me late charge and kept reporting the debt. I kept sent all short sale documents so many times to Chase but they have never replied.
Product: Credit card

Concora claimed to CFPB that they had resolved the matters of complaint XXXX and XXXX. They lied. 
As previously proven, my access was blocked to my account after I made a complaint to them and told them I would file a complaint. I did not regain access to my account untill XX/XX/XXXX. When I did, it showed me being 60 days deliquent and oweing a due now of {$160.00} and a total over {$200.00} I had to wait to find a XXXX  to call for me because they still are refusing to provide anyway for this XXXX person to communicate with them. When the XXXX  person called I was told my minimum payment was {$120.00} and it would still have late fees and reflect deliquent, despite fact they had blocked my access. I offered to pay as agreed. That is, when this mess started in XXXX of XXXX, before I was blocked, I owed {$180.00}. My contractual payment amount is {$40.00}. I said I would pay $ 40 month till the {$180.00} was paid, accepting the incrued interest as contracted. They said no. I told them I will file another CFPB complaint and I am also filing a discrimination complaint with DOJ. 
Immediately after hanging up, I was once again blocked from my account. I could not access the account. I had the hearing person call back. Concora admitted that they automatically block access to accounts upon threat of complaints. This is illegal.

They have made it impossible to pay what I do legitimately owe, they refuse to provide reasonable accommodation for my XXXX, they fraudulently report delinquency to credit bureaus, they add charges and change the terms of the agreed contract in ways they have no legal right to do. 
This is beyond illegal and unethical. They need to be held accountable. If they get by with it again, XXXX filing suit in court. This time I recorded all conversations since they lied about them last time.
Product: Checking or savings account

My name is  XXXX   XXXX .   XXXX   XXXX    XXXX . I was recently released from  XXXX   XXXX  on  XXXX   XXXX   2016 . Upon running my credit report I discovered several accounts had been opened under my name and social security number. I filled a police report with the  XXXX  Police Deepartment noting the fraudulent activity. I would ask the bank please remove the checking account overdraft charges in the amount of  XXXX  for the account ending in  XXXX . I have contacted  Arvest  Bank.
Product: Money transfers

My employer transfered my salary through western union on XXXX XXXX has yet to credit my account. After many calls and lies ranging from the money was stolen by the bank and is in my account I find out that the western union in America still has not transfered the money and it with them. A second payment made a week later turned up in my account this week. Wu who denied having the payment now admit that it was their mistake. How can I make a complaint and ensure that western union are made accountable for this?
Product: Credit card or prepaid card

I have a Verizon VISA card from Synchrony Bank. I have signed up for the card in XXXX, XXXX. At that point I was promised rewards for a variety of purchases. I was not able to receive any of the rewards. The online application from the bank will direct me to a Verizon Website. Verizon will supposedly send info back to the Verizon Visa, but instead of crediting the money amount it will debit it. I tried to talk with customer services in both, Verizon and Synchrony bank several times during the year. But they were pointing to each other and the problem was never resolved. Today ( XX/XX/XXXX ) I made another attempt to talk with Synchrony bank, But instead of trying to resolve my problem they were aggressively pushing me to get some type of voucher and pay {$1.00} to have it delivered to me by mail. Even when I refused to submit they were still pushing and were refusing to discuss my problem unless I agree to receive the new promotional item, My rewards money is {$150.00}. This can be easily calculated from the statements.