23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Good afternoon. 
Long time Amex customer. 
Amex sent me a nice promotional bonus if I open a XXXX XXXX XXXX card. 
They checked my credit ( I have good credit ) But inquiry reduced score. 
Qualified. 
Made over {$2000.00} of purchases to qualify for promotion. 
Was promised several times by phone that bonus would be credited. 
Unfortunately never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present.

Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a 1099-C to the debtor.

Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference.

Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter.

I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. 

Best regards, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX Balance details 0 % paid off Balance {$320.00} Balance updated XX/XX/XXXX Original balance {$320.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX Contact info Name XXXX. XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX
Product: Debt collection

I am writing to dispute the information related to a charged-off debt appearing on my credit report. 

According to my records, this debt was charged off and should not be listed as a current obligation on my credit report. As such, I request that you remove this charged-off debt from my credit report immediately. 

Please investigate this matter and correct the information as required by the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting

I asked Experian for validation of XXXX items on XXXX/XXXX/2015 : XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXXThey could not provide verification of the validity of these debts. XXXX XXXX XXXX was equally unable to provide proof of my owning this debt. I followed up with Experian asking for removal of the incorrect tradelines. I provided copies of all correspondence and proof of receipts. Other credit reporting agencies have removed the offending items and I would like Experian to follow suite .
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a three way discussion with a rep from their company, XXXX, as well as XXXX XXXX. XXXX  was deducting my payment daily and sometimes several times a day. XXXX XXXX stopped this action. The cause was investigated and XXXX  said on a recorded call that once XXXX released the stop hold for the 3 ACH payments, they would close the account 'as a courtesy ' and Paid in Full. I called three additional times to confirm they had payment once XXXX released the funds, once per week. They said it may take up to 30 days for them to receive it and in the mean time, they refunded one payment of {$42.00}, added interest charges and then sent it to collections. XXXX is aware I am on a do not call list, and do not consent to their calls. They provided my EMPLOYER PHONE NUMBER to the collections group in retalliation. Over {$62.00} and a verbal agreement they did not follow through on. 

Despite honoring my end of the agreement and XXXX releasing the 3 ACH 's back to XXXX, they sent my account to collections over {$62.00}, the amount of 1 ACH debit and fees. I have a ding on my credit since they closed the account as a charge off. It is no such thing. 

Should be Paid as Agreed, and XXXX needs to honor their end of the deal. Remove the account from collections and close as agreed. I will be filing a complaint in addition to this one with the Attorney General next and utilizing the call records if XXXX does not honor their end of the agreement.
Product: Bank account or service

I was repeatedly mailed promotions to open a Citi Gold Checking Acct and receive XXXX XXXX XXXX Miles. On XXXX XXXX, 2015 I open the account using promo XXXX. 
I was required to spend {$1000.00} in 60 days using there debit card and XXXX qualifying bill payments for XXXX consecutive months. ( All of which I did!! ). The fine print also says " the miles will be posted within 90 days of the end of the statement period in which you complete all offer requirements. '' It has been well over 90 days and I still have not received the miles. I have called Citi numerous times and have numerous investigations to clear this up, but I still have not even received XXXX correspondence from citi. In the mean time I am being charged $ XXXX/month checking account fee. I have XXXX all documentation including the original mail offer with my name on it. 
I have done all the required actions I was asked to do to qualify yet Citi still will not grant me the miles. I want Citi to credit the miles to my AA acct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm listed as an authorized user on three accounts. All three are revolving charge cards, i am in possession of each card. On my credit report only XXXX has successfully uploaded these accounts to reflect the history and credit limits accurately. These accounts are a XXXX XXXX XXXX XXXX rewards credit card, a XXXX XXXX  XXXX XXXX store card, and a XXXX XXXX  XXXX XXXX store credit card. I've reached out to each of these companies individually to make sure they were reporting me as a user and they confirmed that there were and i should contact the bureaus. I called both XXXX  and Equifax by phone, i've submitted several documents to Equifax by certified mail, and fax, and and several attempts i was not able to be helped.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$XXXX} - late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$XXXX} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$XXXX} - late/Closed XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$XXXX} - late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$XXXX} - XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$XXXX} - Late/Open XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX XXXX Late/Open XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Dear Madam/Sir, XX/XX/2021 I opened a checking account at Citi Bank XXXX My main goal was to get a bonus for opening and maintaining an account following rules set by Citi. My account is " blocked '' by Citi ( without any explanations for a reason for that ) and I can not close it and receive promised bonus and {$100.00} opening deposit. Please help. 

Thank you very much, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX, XXXX XXXX, CA XXXX
Product: Student loan

I graduated from XXXX XXXX in XX/XX/2003 with approximately {$92000.00} in Federal Loans with a combination of unsubsidized and subsidized loans. I consolidated them into one loan with a very low interest rate ( approximately 3.00 % ). XXXX was my servicer, but then Navient appeared on my documents. Prior to that it was the XXXX XXXX XXXX XXXX ( XXXX ) I believe. During that time, I had a medical issue and was unable to work and was receiving XXXX from a XXXX insurance policy that I bought previously ( which only lasted 2 years ). To avoid default or late payments, I filed forbearances, deferrals, and the hardship exception ( once after calling them back and telling them that I qualified for it because I did not realize I did and went on forbearance ). Over the course of those years, I was never offered the Income Driven Repayment Plan for a possible $ XXXX  monthly payment ( I had no income and needed the XXXX money to pay for medical insurance and living expenses ). Over the course of approximately 7 years, {$50000.00} in interest was added to my school loans. I now owe {$140000.00} even though I graduated with {$92000.00} in loans. It seems crazy to be charged half of what I owed in interest for 7 years at a 3 % rate while trying to recover medically and returning to the work force. I am currently with XXXX XXXX, have consolidated Direct Loans, and I am working toward the Public Service Loan Forgiveness ( PSLF ) Exception to try to have some of this interest forgiven. However, I have 7 years to go before forgiveness is an option. I am a XXXX XXXX XXXX  working in a low income school district which qualifies for PSLF. My payments just went from $ XXXX/mo to $ XXXXmo because of my salary. I don't believe that I owe an additional {$50000.00} in interest. I need someone to review these accounts to see if there were any deceptive practices or other causes of action.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ) .Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I start a new job next week. I was asked to create a profile on XXXX. There was a link for Wisely. I clicked it to get more information and it signed me up for a prepaid card that I do not want. It looks like my prepaid card was approved. But I want my direct deposit to go into my XXXX account. Ive already provided XXXX with my checking account information. Please cancel this prepaid card. I reached out to XXXX. But I need a card number to be connected with anyone. 

Again, I do not want this prepaid card or account. 

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

I went look at my credit and there are still somethings on there that are not mine. I'm trying to get back in school and this is really holding me up. I saw on some billboard in my building from this attorney guy that you guys can help finally resolve this. Im doing this on my own behalf and I have contacted the police and FTC. XXXX/XXXX XXXX. XXXX/XXXX XXXX 4 XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX and there is another account as well that does not have a name. The account- # XXXX. There are also some inquiries that are not mine XXXX, XXXX and XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received a text from Wells Fargo stating someone tried to use my account to make over {$1000.00} purchase at XXXX XXXX. I replied no that is did not do it. A text came back stating I would be called by a representative. I received a phone call XXXX XXXX XXXX XXXX and a person said he was a representative from Wells Fargo calling about a purchase that was for XXXX XXXX XXXX XXXX Florida. I confirmed I did not do it. He then proceeded to tell me he was putting an agent on my account and to go into XXXX and he gave me an email address to send {$2000.00} to so he can protect my funds. The email was XXXX. I did ask why not a wells account email and he stated it defaulted to his gmail. I dont know why I proceeded with this but the man was very convincing. I sent the XXXX and he stated in a minute the money would come back. The money never came back. I had googled the XXXX number in this message at his request to show it was a Wells Fargo number. It does come up as Wells Fargo so I guess that is why I believed him. When my money did not come back in my account I called the number and it is Wells Fargo but not one for personal banking. I then hung up the phone and called wells and filed a fraud claim. They were helpful then and said I was insured and would process the claim. I called back today because no one had contacted me and this was all my money. The agent said unfortunately the claim was denied. I asked to speak to someone higher up and was transferred. I was then told sorry but all outlets had been exhausted. I have hardly any money left and can not pay my bills. Please help me file this complaint so this doesnt happen to anyone else. I would like to get my money back but I do not feel like wells will help because they did t seem to offer anything else.
Product: Bank account or service

I get a fake cashier cheque from XXXX. I deposited it. The bank clear the check without investigation. When I saw the money is available for withdrawal I withdraw the money and send the money to the company by XXXX. After sending the money I find out I am a victim of scam. Because of the irresponsibility I have lose {$940.00}. If the bank do their duty properly I will not be a victim of scam.
Product: Credit reporting or other personal consumer reports

I am writing this complaint due to multiple inquiries that are on my credit report. These inquiries have been deemed as fraudulent and hindering my credit worthiness. I am unaware of why these inquiries are on my credit report. As a consumer, I am aware of my rights. I have attempted to resolve these issues directly with the CRAs but have been unsuccessful in obtaining a resolution. I did not give XXXX nor Transunion my consent to disclose my personal public information. Because of this, it is a violation of the law. This inquiry is deemed as fraud and should be treated as such. I have no knowledge of these inquiries and request that they be deleted. 

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

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX  which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

US BANK - This account is reporting differently between the bureaus and a direct violation of FCRA 623 Responsibilities of the data furnishers. Investigate thoroughly and update or remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, XXXX XXXX and myself entered into a Covid Forbearance plan with Freedom Mortgage and remained in the covid forbearance plan until the home was sold in XX/XX/XXXX. After the home was sold, Freedom Mortgage reported 150+ day late payments to all of the Credit Reporting Agencies in error. I filed a dispute with Freedom Mortgage on XX/XX/XXXX to which they agreed that our loan was protected under the covid protections act at the time of payoff ( letter attached ). 

Freedom Mortgage removed the late payments under the monthly status ( credit report from XXXX confirming this attached ) but did not remove the " 5 '' code under the account status so the mortgage was still showing " 150-179 Days Past Due. '' On XX/XX/XXXX, I filed a dispute with the Credit Reporting Agencies to have the " 5 '' code removed. On XX/XX/XXXX, I spoke with a woman in the leadership department with Freedom Mortgage who stated that they will not remove that code, even though we were protected under the Covid Cares Act. After this phone conversation, Freedom Mortgage changed how to loan was reported to a " 6 '' code, now showing " 180+ Days Past Due '' and added " Collection Account '' under the account status ( dispute letter from XXXX attached ). 

I have letters from Freedom Mortgage stating that the loan was protected under the Covid Cares Act at the time of payoff, I have documentation from them stating that they will report the loan as current during the forbearance period, as well as copies of their website stating the same information. All late codes and collection account statuses should be removed from all Credit Reporting Agencies as agreed upon by Freedom Mortgage.
Product: Credit reporting or other personal consumer reports

In XXXX I opened a joint account with my wife at the time with Wells Fargo Bank. We divorced in XXXX at which time she was responsible for the Wells Fargo account per the divorce decree. Checking my credit files with the three major credit bureaus this information from Wells Fargo is still being reported on my credit reports. 

I spoke with a representative at Wells Fargo on XX/XX/XXXX and we closed the joint account. The representative told me that the account will still be reported on my credit reports. If for whatever reason my ex decides not to pay or pays late this information will also be reported on my credit report. 

Although I dont anticipate my ex not paying it because she has paid it consistently for years it is still an outstanding balance and it is adversely affecting my credit score. The reason why I believe it is adversely affecting my credit score is because she makes the minimum payment. 

Recently, I always pay my credit card balances in full each month. I am trying to achieve the highest credit score possible. This Wells Fargo account is hampering my ability to achieve that goal.
Product: Credit reporting or other personal consumer reports

As a federally protected consumer according to the laws of the United States. I am writing to you in response of your XXXX 's willfulness of not complying to the law. I am now opting out any and all consent or authorization I the consumer given to your company written unwritten verbal, and non verbal past or presence and continuously. 15 USC 6801 states that it is a policy of Congress that every financial institution has an affirmative and continuing obligation to respect the privacy of its consumer and to protect the security and confidentiality of the consumers.

The use and the sale of my personal information is against public policy. According to 15 USC 6802 I as the consumer have the right to opt out of reporting any and all personal information reported. Your company directly impacts this process by furnishing information without complying with the FCRA not have permissible purpose according to 15 U.S. Code 1681b - Permissible purposes of consumer reports. Your company hasn't yet fully complied with the FCRA and has acted negligent. XXXX has not modified their reporting to be fully in compliance with the FCRA which would be all inquires and accounts deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letter over 60 days ago to these Bureaus and they are disregarding a regular consumer disputes. Im stressed and have been sending letters before this and still no response.
Product: Mortgage

THIS COMPANY SINCE SUSPICIOUS TO ASSIST ME. THEY FEEL THEY ARE IN A XXXX LIEN POSITION WHEN THEY ARE IN A XXXX LIEN POSITION. THEY REJECTED MY $XXXX OFFER AND COUNTERED WITH $XXXX BECAUSE THEY STATED THE HOME HAS EQUITY, NOR DID THEY CONSIDER THE FINANCIAL HARDSHIP. THEY ALSO REFUSED TO PROVIDE THERE OFFER IN WRITING.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XX/XX/XXXX. I called Experian to file a Dispute with XXXX. XXXX Charged off an account in my name even though I had a payment agreement with them due to covid. when filing a dispute with Experian they ask for the reason and 1 of the options is " Due To Covid ''. so I explained to the representative at Experian that my problem was due to Covid 19 Pandemic. 
On XX/XX/XXXX I received a update on my dispute from Experian and they said that the information was accurate. why would Experian offer covid 19 as an option for a dispute even though I was truly affected by Covid 19? 
The XXXX Account was charged off for {$760.00} eventhough I had a payment agreement with them. Just seems like these companies are working together to hold me back
Product: Student loan

On XXXX I submitted a payment for {$310.00} to MOHELA which covered my current due payment plus around {$50.00} in overpayment. I received an email today XXXX that they were returning a portion of that payment ( no reason was given as to why ). as a result of them designating a portion of the payment as " returned '' I am now overdue on XXXX of my loans. MOHELA has not Credited my account with the money they " returned ''. I am currently out {$120.00} which MOHELA HAS BEEN PAID but are claiming I owe, I will have to call the credit Bureaus to dispute these false charges and now have to contact MOHELA multiple times to get this sorted out. HOLD THEM ACCOUNTABLE, this money has been in their account for almost an entire month there was no reason for them to return the payments.