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

This complaint is toward US Bank I have a mortgage with US Bank ( since XX/XX/XXXX ) with both me and my husband 's name is on the mortgage. My email is used for all back correspondence for this mortgage. In XX/XX/XXXX, I received an email from US Bank stating " 1. A minimum deposit of {$25.00} is required to open a U.S. Bank consumer checking account. To earn your {$300.00} or {$500.00} bonus, open a new U.S. Bank consumer checking account ( excluding Student Checking and Safe Debit Account ) by XX/XX/XXXX. Additionally, you must complete recurring direct deposits of XXXX or more that total : $ XXXX {$4900.00} to earn {$300.00} ; {$5000.00} or more to earn {$500.00} and enroll in online banking or the U.S. Bank Mobile App within 60 days of opening your account. A direct deposit is an electronic deposit of your paycheck or government benefits ( such as Social Security ) from your employer or the government. Other electronic deposits or person to person payments are not considered a direct deposit. The checking account bonus will be deposited into your new checking account within 60 days of direct deposit verification and verification of enrollment in online banking or the U.S. Bank Mobile App, as long as your account is open and has a positive balance '' I then called US Bank and asked the woman of qualified and she says yes and opens the account for me. I set up direct deposit immediately and use the mobile app. 

I did everything I was told and never received the {$300.00}. I called the bank about 4 times and spoke to different people and no one could tell me why I didn't receive the money. The just kept saying the would have the rewards department call me. 

Eventually, months later, now XX/XX/XXXX, I finally speak to supervisor and was told that my reward was denied because my name was not on the email but only my husband 's name was. I told her that no one told me this and that this isn't fair because I opened the account for this reason and I believe I was not clearly informed of what was needed. 

I want to file a claim for {$300.00} to be received due to my doing all the steps correctly and in the timeframes required and being given misleading information about if my name was on the email or not. And for the rewards employees writing notes on my account stating the contacted me via email or call because they never did.
Product: Debt collection

On XX/XX/year>, I submitted a formal Debt Validation Request under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX ( b ). XXXX tracking confirms it was delivered on XX/XX/year>. As of XX/XX/year>, the company has failed to provide any response, documentation, or validation. 

Under federal law, all collection activity must cease until the alleged debt is validated. Their failure to respond within the XXXX period constitutes a direct violation of XXXX ( b ). Continued reporting to the credit bureaus without proper validation also violates FCRA XXXX ( a ) ( XXXX ) ( A ), which prohibits furnishing inaccurate or unverifiable information to consumer reporting agencies. 

This noncompliance warrants immediate regulatory review.
Product: Debt collection

this old cable bill was settled with XXXX XXXX before it became XXXX was removed from credit report to reappear 1 year later
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} ; Child Support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Transworld Systems continues to report to the credit bureaus debts allegedly from me that I am unable to validate. They have given no proof of validation and I have complained about them before. Due to HIPPA laws, they can not validate what the debt is for and I have no knowledge of entering in contract with Transworld or Maryland XXXX XXXX for services. They have previously been unable to validate debts. 

I am asking that they send me the contract I signed for service with Transworld and Maryland XXXX XXXX ( they claim is the original creditor ) as well as an itemized bill for debt owed or remove these collection activities from my credit report. 

I am asking that these debts be removed immediately as it has severely impacted my credit report. 

Please see company 's response to previous complaint.
Product: Student loan

XXXX. I applied for the SAVE application back in XXXX of XXXX. 
XXXX. I received confirmation that my application had been submitted. 
XXXX. I received my first bill for XXXX. 
XXXX. I logged onto Aidvantage, to check my bill allocation. I noticed capitalized interest. So I tried to find in my account my plan terms. No where on any statement or loan information did it tell me my repayment terms IDR OR SAVE etc. 
XXXX. I tried calling and the wait time was several hours. 
XXXX. I emailed the servicer about my SAVE plan being processed. No response. 
XXXX. I refilled for the save plan in XXXX of XXXX. 
XXXX. I continued to receive bills that werent showing that interest was being accrued, so I thought I had finally been approved for SAVE. 
XXXX. I checked my Aidvantage account today to make sure, because I knew recertification was coming up, and saw that my principle loan amount has increased by almost XXXX since XXXX due to capitalization. 
XXXX. I once again called Aidvantage and spoke to a representative who said she didnt know why my SAVE plan hadnt processed and can see that I have multiple completed attempts and that I was on the IDR plan. I was on hold for most of the call which lasted XXXX. 
XXXX. The representative said she would send a ticket and the ticket could take until XX/XX/XXXX for someone to look into why my save plan hasnt been processed. 
XXXX. My loan is currently in forbearance, and I dont know why. 


Aidvantage has improperly gained interest from my principle amount of XXXX for months now. 

Aidvantage makes it impossible to even see what plan you are currently enrolled in on any statement or at any place in your profile. 


Aidvantages billing statement is extremely misleading. 


How is this legal?
Product: Payday loan, title loan, personal loan, or advance loan

I am a consumer living on a low income and am also the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. While undergoing the lengthy process of helping my daughter be approved for XXXXXXXX XXXX I applied to Upgrade to help me meet increased expenses. The company had a good review on several trustworthy sites. 

On XXXXXXXX XXXX XXXX in order to try to reduce my interest and catch up on payments, I enrolled in XXXX XXXX XXXX XXXX XXXX XXXX to help me to try to reduce my interest rate and set a reasonable amount for me to pay. The company accepted enrollment, but I do not see that the company included the payments made by XXXX, XXXX made on my behalf in my payment history. Also, the company has repeatedly billed me for payment amounts in excess of what was agreed upon with XXXX, XXXX. 

I did attempt to try to resolve the issue by filling out a complaint with the Better Business Bureau. The company responded that my payment history was available on their website. 

The information on their website is difficult to follow and only includes payments for that month, forcing me to have to undergo a time-consuming process of scrolling month by month to see what I have paid. 

I would like to have a history of all payments that I have paid to the company, including all of the payments made by XXXX, XXXX on my behalf, to be mailed to me. I should not be required to view this information on their website. 

I believe that my request is reasonable and would be accommodated by a company that is interested in meeting the needs of the consumer. I no longer trust the business practices of Upgrade.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practives, 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 inconvience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in 2019 my personal stolen with my belongings my job is license and Social Security card Who has been trying to make and apply for credit under my name now I have over 15 inquiries I am a victim of identity fraud and I have been trying to get this issue resolved for over a year
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Product: Checking or savings account

This is a continuance from a complaint I have already filed. More happened after I made the original complaint. The file number is # XXXX. 
I received an email on XX/XX/2021 stating there has been unusual activity on my account and they are restricting it. I called and they advised me that I need to open a new one and transfer my money into that one since this current one was compromised. She ( the employee ) walked me through opening a new account and I was able to transfer what I had in the old account into the new account. 
2 days later, I receive the same email on my new account and they locked it down and restricted it. Only saying they denied my claim and will not be doing business with me again. I drove over an hour to withdraw my money in person. I have been with Capital one for many years and I have always bragged on them and told people what a good company they were and how easy they were to work with. 
I have 1 issue ( and a major one ) and they deny it and try and get rid of the problem. After much research, I found where there has been XXXX fraud with Capital One before not long ago. I will not let this issue go. I have lost a lot of money with this and I won't be quiet about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint for the eleventh time to once again address the persistent issue of numerous items remaining on my credit file despite previous attempts to have them removed. It is unacceptable that XXXX and TransUnion Credit Bureaus have failed to comply with the law and continue to maintain inaccurate information. I demand immediate removal in accordance with Section 605b of the FCRA, which clearly states that in the absence of any proof documentation bearing my signature, these items must be PROMPTLY DELETED from my credit file : 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 TRANSUNION 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

Subject : Formal Dispute and Request for Investigation Account # XXXX I am writing to formally dispute the reporting of the account referenced above as it appears on my credit reports provided by XXXX, XXXX, and Equifax. Significant inconsistencies exist in how this account is being reported across the bureaus, raising concerns about the accuracy and completeness of the information being furnished. 

Discrepancies and Issues Identified : Account Balance : XXXX, XXXX, and Equifax all report a balance of {$1900.00} ; however, the account is marked as " Closed '' in each instance, which contradicts the balance owed. 
Payment Status : All three bureaus report the payment status as " Charged off '' or " Charged off as bad debt. '' This status is concerning as no documentation has been provided to substantiate the charge-off.

Dates of Activity : Date Last Active : XXXX reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, and Equifax reports XX/XX/XXXX. These discrepancies suggest the accounts activity dates have not been accurately verified. 

Date of Last Payment : XXXX and XXXX report XX/XX/XXXX, whereas Equifax lists XX/XX/XXXX. This inconsistency impacts the accounts validity under the Fair Credit Reporting Act ( FCRA ). 
Payment History : Equifax inaccurately reports " OK '' payments for certain months during XXXX while simultaneously marking the account as a charge-off in other months. This conflicting information demonstrates a lack of proper validation and oversight in the reporting process. 

Comments : XXXX includes " Profit and loss write-off, '' and Equifax notes `` CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS, '' but XXXX lacks any comparable details, highlighting an incomplete and inconsistent investigation process. 
Violations of the Fair Credit Reporting Act ( FCRA ) : Under the FCRA, credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. The inconsistencies and contradictions in this account 's reporting demonstrate a clear failure to adhere to these standards. 

Furthermore, Equifax 's and XXXX 's documented history of inadequate reinvestigation practices ( " sham investigations '' ) raises additional concerns about the integrity of their review process and compliance with legal requirements. 

Actions Requested : Conduct a detailed and thorough investigation into this accounts reporting across XXXX, XXXX, and Equifax. 
Provide verification of all reported information, including : Documentation of the charge-off and proof of the original balance. 
Accurate and consistent dates of activity and payment. 
Clarification of the accounts payment history. 
Remove any inaccurate, unverifiable, or inconsistent information from my credit reports. 
Confirm the results of the investigation and actions taken in writing within the 30-day timeframe specified by the FCRA.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I contacted the credit bureau to have corrects made to my consumer report concerning my personal information. I asked for the misspelling of my name to be corrected and removed and also to update my address to the current one. After providing proof of name and address, it has not been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrectly to Experian a past due amount of {$6400.00} on the XXXX XXXX XXXXL account number XXXX. This account is currently coded as an I9 and needs to be coded as an I1 and needs to be reported as {$0.00} balance and {$0.00} past due. This account is completely unsubstantiated and was opened fraudulently. I was a small business owner and was lied to and aggressively pursued by a salesman representing XXXX XXXX XXXX. I was told by the leasing agent for the company that I could at anytime within ( 48 ) hours void the lease agreement by simply calling the company back, or I could get out of the contract if I closed my business. I decided shortly thereafter that I did not want to commit to XXXX XXXX XXXX and immediately tried to reach the salesman to cancel the contract. I left numerous voice mail messages as well as email messages to cancel the contract. I never received a telephone call and/or an email response within the ( 48 ) hour time frame. This stalling tactic conveniently exceeded the ( 48 ) hours to cancel this account. This was malicious and on-purpose! I later found out that the documents I allegedly signed were forged. These documents I supposedly signed outlined the cancellation policy, etc. Having never seen and/or had an opportunity to read the documents, I would not have been aware of their underhanded way of doing business. I made the dire mistake of taking the salesman at his word and believing what he told me to be true. I have attached a copy of the multi-million dollar class action lawsuit filed against XXXX XXXX XXXX. This is further evidence that their illegal practice of duping small business owners was, in fact, illegal and fraudulent. I request that Experian remove this line item from my credit report and/or change the coding to an I1 and accurately report a {$0.00} balance and {$0.00} past due. I have tried to contact both XXXX XXXX XXXX and Experian to fix this however, I have not been successful. This incorrect reporting is harming my credit score.
Product: Money transfer, virtual currency, or money service

i was scammed and paid {$500.00} to an unknown number by someone who told me they worked with XXXX and that i would get my money back. he had me screenshare and had me open instagram saying if i sent money, i would soon get access back to an instagram account that had been hacked. it really wasnt hacked. XXXX just was glitching that day
Product: Credit reporting, credit repair services, or other personal consumer reports

We were sent to collections for a bank fee with Key Bank that we feel is unwarranted and inaccurate. Since filing a complaint with them, they have waived the fee and interest associated with this issue, but have not removed it from our credit report. 
All our information is attached below.
Product: Debt collection

To start off, I have been in the process from moving into a new place with my significant other. This has been the last three months, XXXX, XXXX, was able to settle in XXXX due to the fact that said significant other, lives in another city, I was bouncing back and fourth in houses for a bit because of the distance as well as work. That was in most of XXXX. Given this has been taking a while, a lot of my mail was continuously being sent to the old address as it does unfortunately. Resulting in me not acquiring and mail about this ability to distribute said debt of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX. 

I sent a request to Equifax and XXXX to report inaccurate information being reported on my consumer report. The following address must be removed. 

XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX Tx XXXX
Product: Money transfer, virtual currency, or money service

Romance scam started on the dating app XXXX they used XXXX XXXX, first contact was XX/XX/year>. Totaling around {$120000.00} stolen in different cryptocurrency, the transfers that were included are from Coinbase XXXX. Coinbase XXXX supported the scammers site. The other accounts like XXXX and XXXX shut down my accounts when the fraud was reported, I was told by the scammer that the website, XXXX XXXX XXXX, in Coinbase XXXX XXXX XXXX investment site. Please contact me if you need any further information.
Product: Credit reporting or other personal consumer reports

Fraudulent activities were listed on my report that i did not consent, please be advised to investigate my report and to delete all inaccurate information from my report.
Product: Credit card or prepaid card

In XXXX of 2022 I was out town and went to use my card and it declined. Immediately called capital one to see what was going on. They told me the card was temporarily restricted because it was being investigated. I asked why that told me at this time they didnt have information then told me I had to wait 30 or 60 days Im to sure of the exact days. A month or two went by I called to follow up. I then was told I reported this card as fraud and that I didnt open. I then told the representative I didnt not report this as fraud several times I also had mention I been working with a credit service They said okay will make note of this basically tell me dont worry its still being investigated I said okay maybe a month later I got a letter from capital one ask me to submit the supporting documents that this wasnt my account and I didnt open So I called again stating the same thing I did not report this account as fraud. Here I am today investigated completed on XX/XX/XXXX my card is closed now after they so called investigation because I reported fraud and they believed this account is mines. So my question for them was who called and reported this and when because now I need to find out who use my information. Because if I called 2 time and I think it was 3 times Im not sure saying I never reported this card as fraud. My bank account is link to this account Plus I also have a car loan through capital one Lets rewind I told them several times a creditor had been working on my account also who I also reach out to and he said he didnt report this information. This also happen to my husband so thats why I ask for information on who report this because I can only think of this creditor who is working on our credit but as a customer who is trying to protect her identity why is the credit card company Penalizing me after I told then it wasnt me and I never reported fraud on this account
Product: Debt collection

They sold the car at auction and got insurance loss for the vehicle back in 2024 but putting on my credit that I owe XXXX when they got paid through they insurance for the loss of vehicle which was XXXXsold it at auction as well n putting on my credit when the vehicle was only worth XXXX then they tried to offer me a XXXX settlement on a vehicle thats been sold to auction remove from my credit report