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

Formal Complaint Regarding {$300.00} Bonus Promotion I am writing to formally lodge a complaint regarding your recent promotional offer, which promised a {$300.00} bonus upon meeting specific eligibility criteria. Despite fulfilling all the stated requirements, I have yet to receive the bonus within the promised timeframe.

As part of your promotion, I was required to : 1. Open an account during the promotional period.

2. Make three consecutive payroll deposits, each totaling {$1000.00} or more, over three months.

I successfully completed these requirements by making qualifying payroll deposits in XXXX, XXXX, and XXXX. After not receiving the {$300.00} bonus within the promised timeframe, I contacted your customer support team via chat. Your representative confirmed that the three payroll deposits required for the bonus were indeed made. Despite this confirmation, I was informed that the bonus will not be paid out, which is entirely unjustified and contrary to the terms of your promotion. 

The failure to honor this promotion reflects poorly on your institution and undermines the trust customers place in your credit union. This situation has caused me considerable frustration and inconvenience. 

The resolution I seek is simple and fair : I request that the promised {$300.00} bonus be credited to my account immediately as per the terms of the promotion. 

If this matter is not resolved promptly, I will be left with no choice but to escalate my complaint further. This may include filing a formal complaint with relevant regulatory bodies and seeking additional remedies to address this issue.

I trust that First Tech Federal Credit Union values its customers and adheres to its promotional commitments. I expect your prompt response and resolution to this matter. Please respond within [ reasonable timeframe, e.g., 7-10 business days ] to avoid further escalation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the number of unauthorized inquiries that I found on my credit report. I do not understand how Equifax received this information but it is completely false! As a result of this, I can not apply for the things that I need to apply for because this information is ruining my credit.Delete it immediately XXXX
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 delete 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian directly in regards to an alleged debt appearing on my credit report. This third-party, wholesale, collections company had appeared and before been removed from my XXXX and XXXX ; as they are perpetrating a debt that 1 ) is not a debt which belongs to myself and 2 ) every time they appear they have re-aged the alleged debt to a more current " open date '' thereby in violation of the Fair Debt Collection Practices Act. 

This has been found to be an erroneous collections practice and unverifiable. Utilizing ethically and legally questionable behaviors in an attempt to collect a debt to which there is non owed. 

Experian was informed of this behavior and asked to investigate the alleged debt to provide proof of ownership and accuracy in reporting ( e.g. age of alleged debt ). 

Within the allowed time, Experian reported a response that the debt had been verified and would remain. Experian and it's representatives refused to provide any details regarding in what manner the alleged debt had been verified ; additionally the representative refused to forward a request for my complete consumer disclosure file under FCRA Section 609 ( a ) ( 1 ). 

To this end, I am requesting the assistance of the CFPB to hold Experian to task as well as the below referenced collections agency : XXXX XXXX XXXX XXXX XX/XX/XXXX {$490.00} {$490.00} XXXX XXXX XXXX XXXX, MA XXXX Warm Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed the charges, but they are like a dog with a bone, wrong bone, I did not go to the dr for anything, its someone elses bill, thx
Product: Debt collection

Someone calling him/herself " XXXX XXXX XXXX '' has contacted me multiple times attempting to collect an alleged debt. I have demanded that " XXXX '' provide the complete account number of the alleged debt, the name and address of the alleged creditor, and verification that " XXXX '' is authorized to act in loco creditore. " XXXX '' failed to provide all of the information I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is refusing to give me my dispute results in a written form, as I instructed them to do so, because I have been instructed to do so for Legal purposes of this case, all correspondence must be documented so that all items given in response from creditors and furnishers can be submitted as supporting documents and evidence in my case against Experian, Also my TN department of Human services account is being manipulated by someone, i haven't made any payments but the creditors are reporting that i have, THIS IS FASLE and a lie, well over XXXX $ dollars just magically disappeared away from this balance making it look like i paid I DID NOT! and this account was already closed back in XXXX OF XXXX, Its also is strange that that same account has closed during this dispute and Experian is still not reporting it accurately, it still says open and no further information is available, this has gone beyond accounting errors, this is Fraud on behalf of both parties, the Creditor and Experian. I demand that Experian give me my disputes in writing as i have instructed, i don't wish to talk to these criminals over the phone, whatever they have to say to me needs to be done in writing or in an email that has been endorsed by the responding party.
Product: Credit reporting, credit repair services, or other personal consumer reports

They said the account was removed and its still showing on my account
Product: Credit reporting or other personal consumer reports

I ask the credit bureau to do a verification on my credit report and they did.They stated that it was accurate and I did a thorough research myself and found improper inaccuracies on my report after the verification. 

In accordance to the Fair Credit Reporting Conversion Account has violated my rights. 

15 USC 1681 Section 602 A states that I have the right to privacy 15 USC 1681 604 Section 2 it also states a consumer agency can not furnish an account without my written instructions.
Product: Debt collection

In XX/XX/XXXX and XX/XX/XXXX, I XXXX XXXX XXXX, had reported fraud to all XXXX Credit Bureau. Someone got a hold of all my credit cards and social security number, and was purchasing things in my name. XXXX XXXX XXXX is not my debit. This has been ongoing for 9 years now. If this was my debit I would have no problem paying it, but this is not my debt. Can someone look into this so I can put this behind me? At the time that this happen in did n't know I had to report this to the police and get a police report. I went to apply for something and when they rejected me I asked them why and they told me I had too many negative things reported on my credit report. When I told they what happen they asked me do I have a police report on this, and I said no they told me I should have report it and I did. The law office was provided with old credit report to show that I had a fraud alert on my credit and I also provided police report to both XXXX, XXXX as well as the law office involved in the case. XXXX XXXX XXXX from XXXX in XXXX is my financial counselor helping me ; her phone number is XXXX, you have my consent to discuss the matter with her.
Product: Money transfer, virtual currency, or money service

This is XXXX XXXX US bank Custormer. 

1. My friend, XXXX XXXX XXXX, sent money ( {$1700.00} ) by international wire transfer for me from XXXX XXXX XXXX, XXXX to US bank on XX/XX/XXXX 2. However she provided wrong Beneficiary A/C No. along with my full information to XXXX XXXX XXXX. So I could not receive any fund. My A/C No is XXXX and wrong A/C No is XXXX. 

3. In this regards, I confirmed there is A/C mismatched, and My friend requested XXXX XXXX XXXX to return the fund from US Bank. 

4. US bank replied to XXXX XXXX XXXX, XXXX by XXXX message as of XX/XX/XXXX as following ; " Be advised. We are unable to obtain debit authorization from XXXX. 
So we have to deny your request. Please have remitter contact the XXXX directly to settle. We close our case '' 5. Even the wrong account holder is NOT match the Beneficiary information such as NAME, ADDRESS, and PHONE NUMBER.
Product: Debt collection

i got call today at XXXX my XXXX  number from a collection agency claiming i owe alot of money, they said XXXX hired them to collect it, thing is. i have a pay as you phone from XXXX, so its impossible to have unpaid debt. i contacted XXXX  they said i owe nothing, i called back convergent they said i have to pay, pls help, i looked this up and it seems to be some zombie debt scam that targets people, they act like you owed something from decades ago, that now grew, they used a XXXX number but seem to be from texas, CONVERGENT XXXX, they had my name, address, phone, demanded my social and credit payment, i said no to those, XXXX told me to just ignore them, im still scared and feel threatened by all this as their is no resolution from their threats. pls help looking this, i did many other people across the nation encountering this once i looked in to it this morning! thank you, this is some very shady, scary and confusion inducing scam, please help!
Product: Credit reporting or other personal consumer reports

This letter is to inform you that i recently received a copy of my credit report that your company publishes and after reviewing it i found a number of items on the report that are inaccurate. Under the Fair Credit Reporting Act 15 U.S.C 1681g I have the right to demand that you disclose to me all of the documents that you have reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ) .By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX Account XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan Number Date Loan Program Status Principal Balance Action 5 XX/XX/XXXX FEDERAL XXXX XXXX Repayment {$6400.00} View Details 4 XX/XX/XXXX FEDERAL XXXX LOAN Repayment {$6400.00} View Details 3 XX/XX/XXXX FEDERAL XXXX XXXX LOAN Repayment {$2100.00} View Details 2 XX/XX/XXXX FEDERAL XXXX LOAN Repayment {$3100.00} View Details 1 XX/XX/XXXX FEDERAL XXXX LOAN Repayment {$2300.00} XXXX XXXX XXXX Account # XXXX The Promissory note isn't my name or signature, I have contacted XXXX several time and the have disregarded me and my attempts and even dropped my credit score XXXX points because of an error. its been a difficult process but I hope they remove all of this account of my credit report asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Westlake Portfolio Management Purchased Undefined Vehicle Contract Associated with my name and furnished the account to the consumer reporting agencies. This account is Fraudulent and has resulted in identity theft. I never gave Westlake Portfolio Management written permissible purpose to obtain my non-public personal information from no one. Also, I never spoke with no one with this company about a payment extension on a letter I received in the mail. Westlake Portfolio Management is committing fraud, defaming my character and had affected my livelihood due to the reporting of this account being furnished to the credit reporting agencies. I only have one auto loan and that is with XXXX XXXX that should be reported to my consumer report. This Westlake Portfolio Management account is a fraudulent account.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account Name : NCB MANAGEMENT SERVICES Account number : XXXX
Product: Student loan

I have tried multiple times to lower my monthly loan payments with Navient. At first their system was n't even correctly setting up my autopay even though I set it up correctly multiple time online and emailed them regarding the issue- it still did n't get setup correctly for months. 

My main issue though is that my husband and I both have student loans with high balances. I asked to be placed on an income repayment plan and went through the application process. We have XXXX children and my husband works full time and I work full time. Without a repayment plan, our monthly dues would be close to {$800.00} a month, 25 % of what we bring in a month. We have a house payment that is {$2000.00} a month. At first, the declined our income-based repayment and I had to speak with them multiple times about the issue. Finally, they set us up on a repayment plan that is {$500.00} a month- but this amount does n't even cover the interest and so for 10 years now- none of the student loans has actually been paid- They are actually accruing interest -- even with our monthly on-time payments. 

It so disheartening and unfair for a family who works this hard with XXXX small children. It should n't be legal. It is the biggest scam of our era. I am writing in hopes that someone will be able to assist with solving this huge problem, not only for my family but for the incredible amount of families who are experiencing the same problem. Please take notice and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX # XXXX have all violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

I was updating my contact information from which I always access and then I got many emails saying my information was deleted from XXXX for email and cell phone number .... then I lost access to Zelle, and was given a number to call Early Warning Systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in constant communication with Experian regarding the errors and inaccuracies on my consumer credit report. Experian needs to provide documentary evidence for all investigations completed on my investigative consumer report, consumer credit report and consumer credit file. 

Report # XXXX dated XX/XX/21 was mailed to my current address in XXXX , CA with the correct spelling of my name. 

Report # XXXX dated XX/XX/21 was mailed to my current address in XXXX , CA with the correct spelling of my name. 

Report # XXXX dated XX/XX/21 was mailed to my current address in XXXX , CA with a 'XXXX ' added to the spelling of my name. 

I received an email update from Experian dated XX/XX/21 indicating the dispute results were complete. The dispute results now lists my name and address incorrectly. These errors compromise my credit as mail will be sent to an incorrect address and I am exposed and could be subjected to identity theft. 

There are no new accounts that have been added to my consumer credit report within the last 90 days so there should not be reason for my current address to be removed completely and replaced with an incorrect address. I have never extended my credit to any company with the name variations listed on my consumer credit report.
Product: Checking or savings account

My Mother passed awayXX/XX/2020. We went to a financial planner. ALL AFFAIRS WERE IN ORDER. We had XXXX 's, Were listed as joint on all accounts, and yet they refused to release any of the funds because they are waiting on their home office in Arkansas to approve the release of the $ XXXX in funds. We made appointments, traveled hundreds of miles, lost time on our jobs, all to no avail on XX/XX/2020.Our appointment was made 8 days prior to the appointment.XX/XX/2020. When we got there, nothing had been done, were told we would be notified today of any approval and and be overnighted checks. We began calling at XXXXXXXX today. No calls returned. The website for this outfit do not list an operations center or bank president. We are pulling at straws
Product: Checking or savings account

Navy federal told me I had to get a notoritized court affidavit I did and I was the only heir was suppose to receive the money out of her checking account. Her other two sons  did not want anything to do with her. They refused to come see her in her final days of her life. This is why she had her will changed and left me in charge and her will executor. The survivors department at navy federal has fought me on this. After they received the the affidavit. They still refused to let me have my mother 's money. One son  refused to even come to her funeral. I was only to get {$250.00}. 

I don't have my brothers phone number or address. But I was forced by navy federal survivor department to only take {$250.00}. 

My brothers refused to have anything to do with their own mother. I don't see why I have to split any of the money. 

It's my money anyways. That I deposited in her checking account before she XXXX. XXXX put the refund in my mothers checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 11 unauthorized inquiries on my credit report while trying to buy my home I have spoken with creditors and Equifax still no charges.
Product: Credit reporting

Attached you will find letters I have written to XXXX XXXX home mortgage. They sent me information back stating it 's not mine which is my point exactly. It belong to my ex husband who passed away. How can they report it on my credit?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a secured loan to my credit report, showing a balance of {$720.00} but I dont have an account with XXXX XXXX or the Self lending app. 

My admin fees failed when I tried to apply and they mistakenly reported the installment loan to my credit anyways. 

On the Self app its telling me to create account which definitely means that I dont even have an active and open credit builder account with them. 

I called Self and XXXX XXXX and tried to resolve it but they seem to not care to delete their error. 

I dont even know how Im suppose to make payments on account I dont even have. 

Can you please investigate and delete the account below. 

The account number is XXXX Date opened : XX/XX/2020  Original Loan Amount : {$720.00}
Product: Checking or savings account

Refused to cash a check made out to nickname because according to them nickname is none-XXXX nickname while my real name is an
XXXX name in a foreign language. I provided proof with university documentation that lists both names as well as utility bill for the past year which were billed under my nickname, but they rejected documents. When asked about common nicknames, they suggest that " normal '' name variations would not be scrutinized.
Product: Credit reporting or other personal consumer reports

RE : Dispute of Account and Request for Reinvestigation and Verification under FCRA I am writing to formally dispute the inaccurate information being reported on my credit file, as provided by XXXX XXXX 

I demand an immediate reinvestigation of this account in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, which mandates a prompt, thorough, and fair investigation of disputed information. This account is being inaccurately reported, and I am requesting that you conduct a reinvestigation to verify the legitimacy of this account and its reporting.
Product: Credit reporting or other personal consumer reports

I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me financial hardship. I'm demanding proof of documentation showing permission/consent with signature. please help in removing/deleting these inaccurate items as listed below : XXXX XXXX XXXX XXXX / account # XXXX / BAL {$15000.00} / opened XX/XX/year> inquiry- XXXX XXXX XXXX XXXX / XXXX inquiry- XXXX / XXXX inquiry- XXXX XXXX XXXX XXXX / XXXX I find these to be in violation o

f 15 USC 1681N Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 15 USC 1681Q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 USC 1681E A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.
Product: Money transfer, virtual currency, or money service

On or around XX/XX/year> a fraudulent transaction in the amount of {$1000.00} dollars was made using my financial institution 's money transfer service XXXX. The name of the individual on file the money was sent to is XXXX XXXX. This was the information that was given to me by the institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account is reporting {$790.00} balance when the balance for two months has been {$300.00}