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

I applied for an BBVA Compass checking account via a bonus promotion on XX/XX/XXXX. The promotion terms were as follows : 1. You must be a new BBVA Compass consumer checking customer who has not had a BBVA Compass consumer checking account open within the last 90 days or closed due to negative balance to be eligible for the bonus. 
2. Account must be opened within XX/XX/XXXX through XX/XX/XXXX 3. Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account.

4. The account must be opened at a branch, online or via XXXX, Option 2. 
5. After the requirements have been met you should receive the promotion within 60 days. I opened my account on XX/XX/XXXX and had an employer direct deposit of {$300.00} on XX/XX/XXXX. After meeting the requirements on XX/XX/XXXX, {$200.00} was suppose to be deposited into my account within 60 days. During this waiting period, I contacted BBVA Customer Service several times to confirm when the bonus would be deposited. I sent 5 secured messages because neither one was being responded to. I finally received a response 8 days later. The bank responded to me via secured message and confirmed that I met the terms and requirements of the promotion but they did not post the {$200.00} bonus. As it is now over 60 days, I have resorted to filing this complaint.
Product: Debt collection

For about a month, I have been getting repeated calls from PortfolioRecovery in an attempt to collect a date. 

Call Log as follows : XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX Answered, I asked them to stop calling, I was told that their business practices allow them to keep calling to which I replied that Colorado state law supersedes any and all business practices that might be allowed in other states or otherwise. I blocked this specific number XXXX XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited
Product: Checking or savings account

On XX/XX/year> I received two emails from Chime. The first welcoming me to my new Chime account. The second stating I was one step away from completing my credit builder account. After researching the email and identifying what I was pretty sure was the true Chime phone number I called and told them I did not create this account. It took me XXXX minutes to navigate the robo answering system to finally speak to a representative. Once on the phone with the representative they were quick to find and close the account. I thought that was strange so I asked further questions. My first, what is a direct line to your department in the event I see any activity on my other accounts. The second was, can you tell me if the account was funded with any money. The representative ( XXXX XXXX stated they didn't have a direct line. She said she could not say if the account was funded and that there was another department that did that via email. I inquired why a financial institution would ever do that over email or chat and she had no explanation. After thinking it over several days, I took the time to XXXX this and noticed many others have had this exact same problem with Chime and it motivating me to create this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

They sent me stuff in the mail saying its mines collection are at address I never lived actually one is a XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Diversified Adjustment Original Creditor XXXX XXXX XXXX Alleged date opened XX/XX/XXXX Original balance {$1100.00} Payment {$1100.00} Paid on XX/XX/XXXX Closing balance {$0.00} Upon contacting Diversified Adjustment and requesting a settlement payment I was told that they would only accept a full payment. I was PROMISED a " courtesy delete '' with my full payment and was told the deletion of the account on my credit reports would take 30-60 days to update. The timeline passed and I contacted Diversified Adjustment and they said to give it more time to update. The account never updated and they never completed the " courtesy delete '' as promised. I have been disputing this account since around XXXX or XXXX of XXXX. There is also missing historical information in the report.
Product: Credit card

To Whom It may concern : I am filling a complaint against Target Credit Card online application process. They said I incorrectly answered questions during the online process to prove my identity, so they were unable to give me credit. If the Target was unable to determine my identity during the application process, than Target should have never run my credit in the first place. The online software system should automatically reject my application, and Target should not automatically run my credit. These personal questions from the past are the same questions the XXXX credit bureau will ask when you apply for the free annual credit report. On all three bureau website, if you are unable to answer questions to identify yourself, the system automatically ask the person to contact customer service and the applicant is unable to continue the process. This flaw in the Target online application process will hurt many consumer credit rating just by automatically pulling credit regardless if they were identified or unable to indentify the person applying for credit. Identity fraud is on the rise, so it is very important a company does not automatically pull a credit inquiry on the individual it was unable to identify. This was very upsetting that they pulled my credit when they said they were unable to identify me during the online process.
Product: Money transfer, virtual currency, or money service

The company name is XXXX. 

I had initiated a international money transfer for {$24000.00}. I wired the transfer from my bank account. Upon receipt of the wire payment, they closed my account and are now not giving me any response on the reason nor on what will happen to the transaction, will it be cancelled and money refunded or what. Attaching the contract and account closure notification for your reference. 

I need intervention from CFPB to get this resolved so that i can recover my money.
Product: Debt collection

My car was vandalized through XXXX XXXX XXXX, the car is completely inoperable and I am in the midst of court proceedings. The vehicle was towed, dragged and dropped repeatedly by them. The gas diesel is ruined and they picked up the vehicle when I was about to go to court. The original price was XXXX not XXXX. 
This one particular XXXX male was probably upset that I picked a XXXX car he sold me the car to ruin my credit. I am only three years into the loan, I have XXXX and I need to have the loan reinstated for some of the amount that I am past due. The price of the car which is now a lemon is over priced. The price of the vehicle is {$720.00} per month. I am only three years into the loan and the reinstatement cost is too high. I was almost XXXX. I was actually XXXX and held at XXXX XXXX. I need a new reinstatement of my loan at a lower price. The vehicle is no longer worth {$30000.00}. It has been damaged and is inoperable, why should I have to pay {$30000.00}.?
Product: Debt collection

XXXX XXXX XXXX XXXX had a so-called processor call and text my sister stating that if they don't hear from me a process server will be dispatched out for service at home and place of employment. They then called me but number said scam likely. They called again and stated that I owe a debt from 2001 and they are filing a judgement against me in my home county and they would be suing and taking my property, put a lien on my vehicle and other adverse action. I asked to not be contacted and to be provided via mail with this information. They continue to call and threaten and provide info/threaten action to family members and recei
Product: Credit reporting or other personal consumer reports

I have disputed and reported Equifax multiple times onw on the below accounts and they are still reporting incorrect information and have not updated my report. This is now the 4th attempt of getting this information correct on my report. 

My birthdate is incorrect. I was born in the year XXXX. They have it at XXXX XXXX XXXX XXXX  # XXXX should not be reporting. XXXX XXXX XXXX bought it and I paid it off as a pay to delete with the credit collection company. XXXX XXXX should not be reporting anymore and needs to be taken off Under my borrowers defense case for my student loan accounts below, they are to be erased off of my credit report which both XXXX and XXXX  XXXX have confirmed they did, but equifax has refused to take them off of my report after multiple attempts. These loans were discharged and forgiven through the goverment. Both XXXX and XXXX both have removed these accounts months ago. Equifax needs to do the same as XXXX confirmed that they have stopped reporting and all loans have been taken off of credit reporting 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: Mortgage

My Mortgage was sold to Mr. Cooper in XX/XX/XXXX or XX/XX/XXXX by XXXX XXXX. 

I made my mortgage payment via automatic deduction from my Checking account on XXXX XX/XX/XXXX. My bank processed it, have the paper work to prove same. 

Mr. Cooper on XXXX XXXX in an email is charging me XXXX dollars for a late payment and are accusing me of skipping a payment, when loan was sold. 

I contacted XXXX XXXX and they stated my XXXX payment was made to XXXX XXXX on XXXX XXXX XXXX. Six phone calls and I have been given the run around, being told they will take my money from escrow..i also make an extra payment for the balance twice a year, and XXXX XXXX stated I placed it on the principal, I should have placed it on the mortgage..Phone calls are nothing but stress I asked for an attorney, a person with a first and last name that I, could, deal with, and they told me to go out and get a subpeaona. 

Thank you
Product: Checking or savings account

I have been a member of USAA bank for 26 years. On XX/XX/year>, I was making my bi-weekly transaction description edits in my primary checking account. When I made one edit, the USAA online banking system changed the item description of several debit and credit transactions in ALL TEN of my USAA accounts for the past 18 months. I can now not determine what these charges and credits are for without going through past statements. I have downloaded the transaction history of every account. 

I filed a complaint with USAA on XX/XX/year> and heard from them once on XX/XX/year>. When they contacted me, it was to clarify the issue since the original message taker did not record the information correctly. All ten of my USAA banking accounts are messed up, including my wifes and stepdaughter 's accounts, which I am only a signer on, not the primary account holder. 

As of XX/XX/year>, transaction descriptions are still being replaced with the edited transcription description that was made on XX/XX/year> on at least two accounts.
Product: Debt collection

XXXX # XXXX ( macys ) On XX/XX/2016 I send a debt validation letter XXXX # XXXX alleged balance, proof of calculation and documents showing I agreed to pay this debts. I did n't get a response. On XX/XX/2016 I send a follow up letter regarding my disputed XXXX # XXXX. I still did not get a response. I do not believe this debts belong to me and I have requested them to remove this my credit report.
Product: Debt collection

I was contacted on XX/XX/2022 by XXXX  a third party collector for XXXX XXXX. XXXX XXXX is the current owner of the debt. My original creditor was XXXX XXXX. I was told by XXXX  that when I pay the debt they will notify XXXX  who will then notify Lendmark to update the tradeline as paid. Due to this agreement that XXXX  was sure would happen I set up the payment arrangement and made my first payment of {$300.00}. I spoke to a rep from XXXX on XX/XX/2022, who contacted me from phone number XXXX, who stated that even though I pay XXXX they will not update my tradeline. I also spoke to all three credit bureaus who also advised me that XXXX is not obligated to update my tradeline. I reached out to XXXX  and relayed this information to them and they stated that I was lying because this is what she tells all her customers. The agent from XXXX  asked that I pick one of the credit bureaus and call while she was on the line because she wanted to hear this information from the credit bureau herself. I reached out to XXXX while she was on the line and XXXX confirmed that the information that XXXX relayed is correct and they do not have to update their tradeline. Now that it has been confirmed that the information XXXX  has given as a means of collection under false pretenses, I am asking that they return the money that I have already paid and to discharge the debt because I was not given correct information during the collection process. The agent proceeded to threaten me by stating well how about we go ahead and have Plaza add their tradeline to your credit so you can get double dinged and then we can mark that tradeline as paid. Which she stated that she was not being malicious or threatening, however, she knows that would scare me into thinking they will harm me further if I do not think it is fair to pay after they gave me false information. XXXX  used incorrect collection practices and they need to rectify this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX card is reporting to XXXX XXXX is reporting the account is closed. It can not be updated to active because it's closed. 
XXXX XXXX XXXX is reporting said account on XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts : XXXX XXXX Account # XXXX, has violated my rights. 15USC 1681-602A states I have the right to privacy. 15 USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be. deleted from my report immediately : The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not included This account was also charged off and the company did not provide me a 1099 as the law states when an account is {$600.00} or over, they must provide me a 1099 copy in mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute to TransUnion requesting a reinvestigation AND Method of Verification about the following account XXXX XXXX XXXX XXXX dated ( Account Number XXXX ; Opened XXXX, XXXX ; Balance {$960.00} ) .TransUnion just sent me automated reply without providing proof of " Method of Verification ''. I have requested TransUnion method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).
Product: Student loan

School misconduct discharge application was denied. I went to XXXX XXXX XXXX and is documented as a fraudulent school. Navient wants people to contact them and request an application. This information is not public. I was told that WAS denied on Monday XX/XX/XXXX by an agent, only to be told by another agent that it was still being processed. I received a letter through email on Wednesday XX/XX/XXXX that it was denied. It was expressed that just because I was approved of my federal loans being discharged, it didn't help my case for my private loans. I've paid over {$10000.00} on a loan that was originally {$2700.00}. My balance as of XX/XX/XXXX is {$4800.00}. I've been paying on this loans since XX/XX/year>.
Product: Vehicle loan or lease

Credit report shows XXXX as a foreclosure instead of repossession. Also last account activity should be 2020. Report shows more recent than that.
Product: Credit reporting or other personal consumer reports

Amex is reporting late payments on my account. This is inaccurate and against federal guidelines as outlined in 15UCC 166b.

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I performed an international wire transfer from my checking account via online services. The amount transferred was {$4400.00}, I was also charged a transfer fee. The money was taken from my checking account and the transfer fee was deducted, however the recipient bank has never received the transferred funds. I first contacted my bank on XX/XX/XXXX notifying them of the missing funds. I have sent them over 10 secured messages, went into a branch, and filed multiple complaints. As of this date I have not gotten any answers or return personal messages regarding my missing funds.
Product: Debt collection

This is a debt that 3rd party XXXX XXXX is trying to collect on. I am unaware of the debt and they have not provided valid information that this debt legally belongs to me, I 've sent a Debt-Collector-Disclosure-Statement and a Dunning Form letter to XXXX XXXX and to their lawyers twice to no avail and they have not proven that I owe them the dept. They are reporting me to the XXXX credit bureaus. I 've disputed with the XXXX credit bureaus but they will not take it off of my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Experian asking them to provide me with the information they have obtained to validate the accounts that are currently listed on my credit report. There are numerous accounts listed on my credit file that are inaccurate, multiple listings and accounts that are to old to be on file. As of today, Experian still have not provided me with the information that I requested of them. Attached is the letter that I sent to them.
Product: Student loan

XXXX I explained I was laid off and was having trouble paying a mortgage and student  loans. 
Later in XXXX  I found out my loan amount had almost doubled and they said they couldnt help me unless I enrolled in some kind of repayment program in XXXX. They couldnt readjust my loan so I have to repay an extra XXXX up from the original XXXX. They didnt have any information about loan forgiveness except a telephone number. Even people at the call center were unsure of the question I was asking them.
Product: Credit reporting or other personal consumer reports

I called Experian today and after waiting on hold for an hour and thirty minutes I was connected with a representative by the name of XXXX. I stated the nature of my call was to inquire about the follow up info on my credit file that did not change after a re-investigation of inaccuracies that I disputed. Experian 's representative XXXX was rude, refused to confirm my any information with me and would not validate my tracking number on the certified documents I mailed to the bureau and the companies reporting the inaccurate information, nor would she transfer me to a supervisor. I asked was my dispute fully investigated with strict validation as I requested in accordance with FDCPA law and XXXX became irrational and disconnected the call. 
Experian is repeatedly reporting inaccuracies, charge-offs and collections from the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and Department of Education on my report. This is illegal and and unlawful according to The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611. Re-aging the account and changing the open and closed dates and including active payment history on old closed accounts. Experian is failing to investigate properly and when I inquired with the
Product: Payday loan, title loan, or personal loan

Please add the attachments on this form to case number XXXX as this is proof of the fraud when I applied for a personal loan for XXXX but my loan was written up as a business loan. The attached documents are very important evidence. Please let me know that you have added the attachments to my case. Thank you XXXX XXXX XXXX. 
Case number XXXX STATUSOPEN Submitted to the CFPB on XX/XX/2021
Product: Credit reporting or other personal consumer reports

My company I work for is XXXX XXXX in XXXX Arkansas however it's showing XXXX XXXX in XXXX texas I worked there when I was XXXX actually so I don't understand why that is showing wrong I've never missed one day at the XXXX XXXX XXXX in Arkansas
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX are reporting g incorrect information on my credit report regarding XXXX XXXX XXXX XXXXXXXX this debt is being report as a charge off and late when it was discharged in my Bankruptcy Chapter XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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