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

XXXX I received the coupon from the Chase bank with the offer XXXX $ for opening saving and checking account with qualifying activities. I followed by the link in the offer ( there was indicated that " Coupon code applied when you click Open both accounts ''. I opened both accounts and did all required activities. I was waiting for announced in the offer XXXX XXXX but XX/XX/XXXX I decided to call to the Bank and ask for money I did not still receive. They told me that coupon code was not applied to my accounts that's why I did not receive my bonus. A supervisor did the follow up case on my account. The case number XXXX. I was told that it will take 5-10 days to solve my question. I was waiting and call again today XX/XX/XXXX I received the answer that they have a lot of cases and I need to wait 2 more weeks. I am not satisfied with this answer and wait time, because I already have XXXX month the Bank used my money for free ( they asked in promotion to keep XXXX $ with them and send salary to them, which all I did ), I could receive interest if I put those money on saving account in another bank. 
I believe that in this case the Bank grossly violated my consumer rights and deceived the consumer. I ask you to oblige the bank to fulfill its obligations within the framework of the promotion, the terms of which they themselves sent me and all the conditions for which were fulfilled by me.
Product: Credit card or prepaid card

I have been trying to settle all of my debt, and I am trying to do it as quickly as possible since I have a pending job offer. I was able to settle rather quickly with 8 other card companies. Bank Of America sent my  debt to XXXX XXXX XXXX XXXX XXXX. I asked them to send a settlement proposal to Bank of America. The proposal was fair for a settlement and I had to borrow money from a family member in order to pay it. I told them how urgent the matter was to me and asked if it could be escalated on XXXX. The agent advised that she would get the request over to Bank of America and it may take 1 to 3 days. I called in the morning and afternoon to make sure they knew that this was very important to get this resolved quickly. When i called in today, they agent told me that the request was not submitted until today. I was upset with this answer and he became very flippant with me. He eventually hung up on me. I called back in and spoke to a supervisor, and after a very long  conversation, he finally broke and said he would try to escalate the request. He was very stubborn for a long period of time. At this point, i decided to call Bank of America and talk to the recovery department to see if they could look at my request. The agent said that she could not see anything so I asked to speak to a Supervisor. The agent told me that no supervisors were available and 1 would ball me back in 2 or 3 days. After arguing for a while, I convinced her that I would stay on hold and wait for one. It took about 20 minutes to get someone on the phone. I spoke to the escalations manager XXXX XXXX, and she basically said she would not help after I pleaded with her for a long time. She kept saying it was stuck in the back office. I finally realized she was not going to help me and I gave up. I would really like to get this resolved today. I really just wanted someone to help. I was able to settle all my other debts with my creditors earlier in the day.
Product: Debt collection

The Debt you are attempting to collect as a 3rd Party Debt Collector in questionable under current Federal monetary laws. Issue regarding collection practices, debt valuation and collection potential have led others to forgo collection rights with my challenge. These parties include : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX  XXXX. 

What this should tell you, my initial arguments disputing this debt with you organization hold validity. Enough so, the prospect of reduced company valuation, adding definition to the identified monetary policy loops holes in the FCRA, or debt validation determining the validity of future collection potential as defined by the IRS and Treasury department that will impact the future of your industry. These factors represented enough risk to cease all collection efforts by the parties mentioned above. 

Your collection attempt represents less this .03 % of 1 % of the debt I formerly held before this began in XX/XX/XXXX of this year. I am asking once again the collection item be removed with a mutual understanding no further actions will be taken on my part. 
If true valuation occurred, it would be discovered I am monetarily exempt and earning under the federal poverty limit. I am preparing to cost your organization far more than the amount in active collection. This is your opportunity to assess the risk.
Product: Mortgage

Hello, I finalized my home modification with Chase Bank in XX/XX/XXXX. It was a long and painful process fraught with lost paperwork, trial period after trial period, etc. My story in that regard is probably like literall millions of others. However what makes mine different is that unknown to me, until just a week ago, my house had been foreclosed upon in XX/XX/XXXX. Meanwhile, it is now XX/XX/XXXX and not only has my family been living in our house, but we have been paying the mortgage since XX/XX/XXXX. We get a statement from Chase every month, and we mail in payment. Since XX/XX/XXXX, we have paid around {$110000.00}. However, deeds and records show that while we were in our " trial '' period, they foreclosed anyways. We are nowhere on the deed filed with our county. I believe that we have been defrauded from our home while Chase Bank keeps cashing our checks like nothing is wrong. I have consulted an attorney but ca n't afford to pay him. He said he believes we have a very good case to sue for fraud. Thank you
Product: Credit reporting or other personal consumer reports

I called the following companies on my report XXXX XXXX and XXXX XXXX regarding inquires on my report. I told them I never applied for credit and this was fraud. They told me to call the credit bureau to get them removed. I called Transunion and told them about my identity fraud situation and sent them over a police report and FTC reports, its been over a month now. They told me it would be removed within 24-48 hours but they are still on my report.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer 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 TransUnion 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 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of 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
Product: Credit reporting or other personal consumer reports

XXXX, EQUIFAX is breaking the consumer law pertaining to account XXXX XXXX XXXX XXXX  XXXX I've uploaded documents I need this corrected immediately PAID AS AGREED OR DELETED and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. 
XXXX XXXX CARD HOLDER
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), Please investigate the unverifiable items and remove them immediately in my report : 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 XX/XX/XXXX
Product: Debt collection

I have tried several times to have Midwest Recovery Systems located at XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX to send me a complete verification of debt. onto this date I have not receive any documentation from them.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent a letter to WFBNA requesting they validate and verify my debt with paperwork, contract or any document that bares my legitimate signature but received none of that with the reinvestigating they claim to have done! Not only had this hurt my credit it is hindering me from moving past an obstacle holding my back from bigger and better things! They were not able to verify, validate or prove to me this debt is mine so hence why it should be deleted
Product: Credit card or prepaid card

I have about four accounts and all four are backed by XXXX XXXX. For whatever reason, one payment, this payment to XXXX XXXX is not getting applied correctly and the others have. Payments are being applied and this account has spiraled out of control. This happened once before and was corrected. This time once corrected I will either pay using a different method or figure out a way to pay off completely. Please waive any late fees, a revert interest rate back to lower rate if increased.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL OF THESE INQUIRES ARE EXPIRED AND HAVE BEEN UNAUTHORIZED AND ILLEGALLY REPORTED AND PLACED ON MY CREDIT REPORT. XXXX : EQUIFAX- PLEASE REMOVE THESE EXPIRED AND ILLEGAL INQUIRIES THAT WERE REPORTED ON MY CREDIT REPORT IN XX/XX/XXXX EQUIFAX XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX, XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX OF XX/XX/XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

My bank account got hacked in XX/XX/year> the suspect applied for a loan of {$5000.00}, under my name after months of report fraud claims eventually Navy Federal told me because the loan was my in my name I have no other choice but to pay it off. I am a XXXX XXXX XXXX already struggling financially, I can not afford to pay off a loan I never even applied for.
Product: Mortgage

XXXXXXXX XXXX closed on my construction to permanent loan on XX/XX/XXXX with an interest rate of 3.3750 %. XXXX sold my loan to Shellpoint Mortgage Servicing with my payments to begin on XX/XX/XXXX. On XX/XX/XXXX, I discovered that Shellpoint had increased my 30 year fixed mortgage rate to 3.6250 %. I informed both XXXX and Shellpoint about the change in rate on XX/XX/XXXX. XXXX told me that Shellpoint had evidently made a mistake. After many phone calls to Shellpoint customer service, Shellpoint has not responded to me directly to correct the problem and customer service continues to tell me the rate is correct. How can a company change a fixed 30 year rate without some consequences?
Product: Payday loan, title loan, personal loan, or advance loan

I realized after making payments the principals were 5x at 700 % I stopped making payments to them and told them I pay off what I borrowed just recently received a email stating they were gon na start garnishing wages from my employer without a reach out or a phone call. When I spoke with them on the phone all they could ask is how I can go about making payments again on the full balance and not what I borrowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company said they can't locate my account based on the information provided. I will provide more into here.
Product: Credit card or prepaid card

I had a Citi Advantage credit card that was used at XXXX  XXXX  XXXX  one time. After using the card the one time at XXXX, I noticed there were several other rentals that occurred after several weeks after my rental. I contacted my card company, disputed the charges, and received another card. The following month I noticed I had more XXXX  XXXX  charges on my new card. I contacted my card company once again and filed another dispute, and once again received another card. I contacted my card company and asked how were these charges being allowed to go through on my car, and no one could provide me an explanation. I was ensured that the company would place extra protection on my card and these charges would not continue. I even placed a lock on my card. A few months later even with the lock in place, I received more charges on my card from XXXX XXXX  XXXX. By this time I was furious because at this point I believe that the card company was allowing someone at XXXX XXXX  access to my information. I had not made any charges on my card for over a year, and these XXXX XXXX car charges as well as toll charges were continuously being placed on my cards. After receiving about 5 different cards and numerous disputes, and still paying my bill almost off, Citi placed an interest charge on all of the charges I was paying as well as the charges I had disputed. I closed the card, and have since been struggling to get the balance back down, because the card company will not remove the interest charges from the charges that were disputed and supposed to be removed. I recently called and asked why was I still being charged interest on charges that were supposed to have been removed from my card. It seems despite how much I pay this company, my balance seem to not go down. Now I was told on my last phone call that they are charging me interest on those disputed charges because I didn't provide them any documentation of the purchases, and when I explained that I could not provide paperwork I never had, it was like arguing with a wall because the woman couldn't seem to understand that concept. I am not sure if it was a language barrier or what the issue was, but when I called at got an american customer service rep and told them my issue, they hung up the phone in my face, and the foreign customer service reps never answer any of my questions. I am extremely frustrated by this issue because I continue to be victimized by the card company who claimed they were protecting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 I signed with Beyond Finance to help me resolve my debt and improve my credit scores. They told me to stop paying on all accounts which immediately caused a barrage of collection calls. They indicated they would negotiate my debts and reach a settlement on them. I turned over 11 accounts to them to resolve.

Over a period of a year, they only resolved one account for half of the balance but then charged me a fee nearly equal to the balance. Then they started on a second account and charged me excessive fees for that account which is not settled. 
Over the year I took back most of my accounts and got them back up to date as they were not doing what they led me to believe they would do. 
When I canceled with them, I had XXXX cents in escrow that they are refusing to return to me. They say it is to pay for fees toward the second settlement however that settlement never fully went through. They are trying to charge {$6000.00} in fees for that account. 
They misled me and tricked me into exorbitant fees and saved me nothing. They have also contributed to ruining my credit by telling me to stop paying on all of these accounts. Now I am in worse shape than when I signed with them.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I would like to follow up and I am submitting this complaint myself and there is no third party involved. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and correct it from my personal credit file : XXXX XXXX Balance : {$12000.00}.
Product: Credit card or prepaid card

This complaint is an addendum to a previous compliant ( XXXX ) which was not adequately investigated. Comenity Bank denied me a line of credit without running a hard or soft pull on my credit. Once denied, I pulled both XXXX and EXXXX showing that Comenity, either through negligence or discrimination, did not follow the Equal Credit Opportunity Act. I would like an investigation into the issue, requiring Comenity to prove that they follow fair lending practices.
Product: Mortgage

On XX/XX/XXXX I went to the Wells Fargo Branch located on XXXX XXXX in XXXX XXXX, NJ to make a cash deposit toward my mortgage loan. I used the drive through window as the branch was closed to customers due to COVID. I typically pay my mortgage via bill pay, but failed to schedule the payment in time for the cutoff before late fees are issued. I gave the teller {$2200.00} in cash. I was at the branch between XXXX - XXXX. I did not keep my receipt as I thought the deposit was made and no further action was needed. A few days ago i received a call from Wells collection asking about when my mortgage payment would be made. I told the customer service representative that I made a cash deposit, but when i checked my account using online banking, the deposit was not applied to my account. I have no other accounts at Wells Fargo. I called the branch and explained the situation. The branch 's review found no record of my deposit in the teller logs for XX/XX/XXXX ( Saturday ) or XX/XX/XXXX ( Monday ). The branch filed a ticket with " the resolution team. '' I also called corporate offices and reached the executive office where i filed another ticket as i requested that corporate security investigate the matter promptly and pull cameras for that 20 minute window to see what happened to the cash deposit. Waiting to hear back.
Product: Debt collection

Never notified of any debt from XXXX XXXX XXXX . They Sent bill to collections phoenix Recovery group, showed up on my credit. I personally went and spoke to that apt . complex where I was told there is No contract. There is also no history of me ever living there!
Product: Credit card

XXXX of XXXX I purchased some things at bestbuy after our house caught on fire and we had to start over again. I did the 24-months promotion. 

The promotion was NO INT W/PYMTS FOR 24 MOS ( no interest with Payments for 24 months ). I've been making my payments way over the minimum amount so the excess amount will be allocated accordingly. 

I called them before and was told that it will be allocated and that the system may just have to update but for almost two years not a single dollar has been allocated to that amount. 

The original purchase amount was {$1700.00}, if I can't make a full payment by XXXX of XXXX they will charge me an interest of {$1200.00} because their system failed to work as it supposed to be. 

I am willing to pay what I owe but not the interest when it wasn't my fault. It seems like their system intentionally do this so they can charge me interest.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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: Money transfer, virtual currency, or money service

I sent money over PayPal for concert ticket. I never received the ticket but the person accepted it. It hasnt went through but PayPal wont cancel. It is a scammer by the name of XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ), it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all credit reports and there is no known address or phone number to contact this company.
Product: Credit card or prepaid card

Capital One, XX/XX/2022, did a credit inquiry and issued me a credit card that I did not apply for. When I received said card, I contacted Capital One and cancelled said card. I told them I didn't apply for a card. I already have a Capital One credit card. I certainly don't need two credit cards from the same lender. My credit score was negatively affected by this unwanted and unsolicited credit inquiry. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES :XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to use the web page of experian and it does not work to submit a fraud alert then I have tried to call them and you can not get a person on the phone, at all. Just a computer. They need to be held accountable.