23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXXXXXX XXXX I have added to my US Bank Cash+ credit card a 10 % cash back offer for gas purchase ( see attached screenshots of the offer itself and of the offer shown 'activated ' on my account ). The deal offer was to earn 10 % cash back on any qualifying gas purchase, with a {$20.00} cash back maximum when you spend {$10.00} or more. On XX/XX/XXXX XXXX XXXX  I purchased {$61.00} worth of gas at a gas station. I have not received the 10 % cash back from US Bank Cash+ card for this purchase ( estimated at {$6.00} ). The offer said that the cash back will be processed within 5-7 business days, but I have not received it to this day ( XX/XX/ ), which is more than 7 business days after the purchase. I chatted online about this issue with a customer service rep XXXX on XX/XX/XXXX XXXX who simply provided me with a US Bank customer service phone number for further assistance. I called the US Bank customer service phone number on XX/XX/3 and talked to agent XXXX, who referred my concern to investigative team. I received a letter on XX/XX/3 from Cardmember Services signed by XXXX XXXX stating that I will get a 1 % cash back bonus for the gas purchase. The letter did not discuss the 10 % cash back offer, but was referring to a different cash back offer for the US Bank Cash+ credit card. I am still awaiting my 10 % cash back reward for XX/XX/ XXXX  gas purchase of {$61.00}.
Product: Checking or savings account

I reported a fraudulent activity on my account and SoFi bank restricted access to my account. To regain access, I have to verify my identity. To do this, I call the number provided by SoFi and am told they will send a text message with a link inside. Once clicking the link I will verify my identity using my phone camera and my ID. The problem is that the text message does not ever come. We have tried to do this multiple times and have used other phone numbers. The texts are not being sent to the spam or trash folder. They just aren't coming. When we ask for another way to verify the account, we are told that this is the only way. They have not offered any other way to resolve this and when we call we go through the same process every time. Other banks provide multiple ways to verify your identity- surely a sophisticated company like SoFi can manage to help a customer access their account.
Product: Checking or savings account

I opened up my account in XXXX I have my account was closed after 3 days when I got a paycheck and deposited into my account they close my account and I only owed {$63.00} I've tried to reopen my account but they keep telling me that I have to come in and open up an account when I did it online the first time nothing has changed address still the same driver 's license number still the same social security number still the same just wouldn't help me at all they're rude and they don't like to help people. I don't have my account number and routing number again this happened in XXXX so I really need your help I lost a lot of money behind that situation a lot
Product: Debt collection

Got a national Credit System collection on my credit, I give written notice to the creditors bureaus for a debt validation and the results were that the only one deleting the account was XXXX, write a second and a third time for a reason, validation, and deletion with no answer. 

XXXX XXXX XXXX Opened on XX/XX/XXXX. Last reported XX/XX/XXXX Amount XXXX
Product: Debt collection

Last XXXX I requested that accounts that do not belong incorrectly reported in XXXX, XXXX and XXXX be removed from my reports. To date, this situation has not been resolved, making it impossible to acquire credit
Product: Vehicle loan or lease

The company in question uses very deceitful and very infuriating ways to try and get payments. The company makes promises that it refuses to keep and uses threats that it will not keep such as constantly threatening to repossess said vehicle. Even after I told the company to come and pick up the vehicle they still decided to try and constantly call me at work and on my home line to the point of blatant harrassment. From the time of XX/XX/XXXX till now XX/XX/XXXX, constant threats have been made to garnish checks and repossess the vehicle even though I very clearly told them to come and pick up said vehicle back in XXXX. I have saved text messages from employees and supervisors with very questionable interactions between I and said company. And the company also continuously claims payments have not been made since XXXX XXXX XXXX even though I have records of payments being made over the past 3 months and twice in one month on occasions to catch up the past due balance.
Product: Checking or savings account

I have been trying to withdraw my money from this account and then close it. 
I am no longer in the XXXX & do not have a XXXX address I do not have a XXXX mobile phone I am currently in XXXX I have been able to transfer my monies from Bank of America to my XXXXXXXX XXXX account with the exception of XXXX. 
BoA 's systems will not allow me to transfer the final XXXX to my XXXX XXXX account. 
BoA has offered to send me a cashier 's cheque for XXXX. However, no XXXX financial institution will accept a cheque in any currency other than XXXX dollars. For all intents and purposes a cheque is USD denominations is worthless. 
Furthermore BoA is charging me {$12.00} per month in maintenance fees and they have refused to refund the fees. BoA have not provided a solution for me to have access to my money and then to close my BoA account. For all intents and purposes BoA is keeping my final XXXX and do not have any solution in giving me access to my money. I feel that this is theft of my XXXX. Please help
Product: Credit card or prepaid card

To whom it may concern, I have been in this dispute with American Express Serve for the last 10 months. The problem with the dispute is I accidentally placed a charged on the original dispute form that I put online on XX/XX/2017. The charge was from XXXX XXXX. I did not mean to put that charge on the original form that I did online. I did however correctly put the charges that I needed disputed on the paper form that I faxed to American Express. Due to all the confusion and miscommunication American Express is punishing me for a human error on my part. The amount that I would be disputing would be XXXX, I would like you to please look over my case and see if there is anything that you guys can do to help me with this I'll be submitting a police report a picture of the original form that I did buy paper fax. Any help that you can give on this case would be great. I hate that I have lost my money due to me putting accidentally the wrong charge on the online dispute form by mistake.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX  and I do not have a contract with ENHANCED RECOVERY CO L plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : XXXX
Product: Credit reporting or other personal consumer reports

I entered into contract with XXXX XXXX in XX/XX/XXXX I personally guarented some business products during XXXX XXXX 's promotional period. However, I cancelled the contract because, XXXX wireless products didn't meet my expectations. 
XXXX XXXX generated a collection bill amount I didn't agree with.I requested original contract but never recieved information. 

On XX/XX/XXXX a debt collect reached out about XXXX wireless debt collection. 
The company is XXXX & XXXX I have no buisness with company XXXX XXXX XXXX. Company state I owe them XXXX. I have no buisness with XXXX & XXXX. The debt is unreconized. I want this removed off personal credit and business credit Re : XXXX XXXX Account No : XXXX Balance Due : {$7200.00} XXXX No : XXXX The XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Phone XXXX Fax XXXX Proposed Settlement Amount : {$3600.00} It is my hope that you share the desire to reach an amicable resolution. 
If you would like to take advantage of this opportunity to settle your account voluntarily, make check payable to XXXX XXXX and mail to our office within the next XXXX days, or contact our office immediately to pay by phone. In the event we do not receive payment on or before XX/XX/XXXX, the offer will be withdrawn and the full amount of the account will be due and owing. 
Thank you. 
XXXX XXXX ( XXXX ) XXXX ext. XXXX This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be corrected or discarded. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are removed immediately. 
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 card or prepaid card

XX/XX/2023, I received a letter containing a preapproval for a Destiny Mastercard. I went to their website at www.destinycard.com and applied getting approved and receiving an email confirmation stating that I should receive my card in 2 to 3 weeks. 
XX/XX/2023, I called Destiny cards support number asking why I hadn't received the card yet to be told it was returned, so they asked me to confirm my address and they then told me that the address I gave them did not match their system and to confirm my last address which is where the card went even though I never provided them that address at any point other than during this call. The agent then updated my address and said I should receive my card in 10-14 days. 
XX/XX/2023, I call Destiny card again stating that I still had not received my card, which the agent then stated that it was shipped on XX/XX/2023 and should arrive shortly. 
XX/XX/2023, I receive the credit card in the mail and proceed to follow the instructions in the paperwork and the label on the card to activate the card ( attached picture labeled : card_label.jpg ), I am then taken to a webpage ( attached picture labeled : webpage.png ). at this point it is after hours for calling the Destiny cards support. 
XX/XX/2023, I call Destiny cards support number and explain to the agent that I can not activate my card because the webpage the card is telling me to go to does not exist IE the 404 error, the agent the proceeds to tell me that my account has been locked and that I now need to send in a copy of my drivers license to verify my address. At this point I am getting concerned that this may be a scam since they sent the card to an address I never provided, the activation page does not exist, they ignore the fact that the page doesn't exist and now they are asking for a copy of my drivers license. So I then tell them that I am concerned and ask to speak with a supervisor, I am placed on hold for quite a while and then the supervisor then asks me how he can help. I proceed to explain everything up to this point and again he seems to ignore my concern over the missing webpage and reconfirms that I need to send in a copy of my drivers license, I continue to get him to load the same page and he then tells me that the 404 means nothing and to look in the top right corner and click where it says " Get Started ''. For context I have been designing websites for over 20 years, so I know this is not how the page should be. 

So in conclusion I do not believe this company to be legitimate or is very incompetent and should be investigated.
Product: Checking or savings account

On Monday, XX/XX/XXXX, XXXX XXXX XXXX  charged my Novo ( XXXX ) bank account for fees and a deposit related to a car rental. They realized they had made a mistake and closed out the transaction immediately and authorized a second transaction to match the correct amount. The next day, I noticed that the first charge- which was a mistake- was not dropped from my account, as the receipt had been settled out at XXXX. The amount of this pending charge is {$450.00}. 

I first called XXXX and spoke with their settlement team. They sent me documents showing it fully XXXX  out and they offered to send Novo and XXXX a letter confirming that funds had been released. I then called Novo several times and was told that this was an issue with XXXX ; it was their release policy or it was something that needed to be addressed by engineering. I asked politely to Speak with a manager and was told that the agents can not transfer calls and that no manager existed to even offer the agent advice - XXXX very untrue things. What was maddening was this constant reassurance not to worry and that the agent completely understood the issue. Not having access to these funds resulted in me sleeping g last night in my car and most likely the next night. I could not pay for my hotel room and I am out of town for work. I went to the extent that I did with the merchant to have a letter faxed that resolved the charge, and Novo has just dug in their feet. Im sorry, the money needs to be in my account immediately.
Product: Credit reporting or other personal consumer reports

Upon review of my updated consumer disclosure report, I noticed that the very same inaccurate account I disputed initially in detail is still being reported to my consumer report. As it stands, this account remains both inaccurate and incomplete. EXPERIAN XXXX XXXX, this agency is in violation of the Fair Credit Reporting Act. This agency is in violation of 15 USC 15 USC 1681i. In XXXX response to my dispute, it claimed that the accounts XXXX  XXXX Account Number : XXXX was updated which is an implication that changes were made to the accounts. What exactly was updated? The same inaccuracies persist on the accounts that were initially disputed. XXXX XXXX XXXX ( XXXX XXXX. 2019 ) ( defining verify is [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). XXXX put express requirements on companies with respect to information that can not be verified. EXPERIAN has failed to correct the inaccuracies I have specifically instructed it to correct. It has validated inaccurate information, and as a result the listed accounts are hereby disputed. Pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Delete the following accounts account : XXXX XXXX Account Number : XXXX The reporting of this account is a violation of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. You have violated XXXX Compliance procedures and format for reporting! Delete these accounts from my consumer report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been using my personal information to attempt to open credit card accounts and to take out personal loans. I was made aware through fraud alerts by Capital One and XXXX XXXX XXXXXXXX that someone tried to open new credit cards in my name. After looking closely at my credit report, I saw an incorrect phone number and several hard inquiries that I did not authorize ( XXXX XXXX XXXXXXXX, XXXX ; Capital One : XXXX ; XXXX XXXX XXXX XXXX : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX I believe whoever is trying to steal my identity may have also submitted a Change of Address for me as tracking for a recently ordered package indicates that it is being forwarded somewhere instead of delivered to my home address.
Product: Money transfer, virtual currency, or money service

went thru Zelle and paid someone who had tickets for sale ... ..never received them and my debit card got charged {$500.00} they posted info on XXXX who i contacted and wanted paid thru zelle and never heard back and I am bout {$500.00} the person is named XXXX XXXX and the number he used was XXXX
Product: Debt collection

In XXXX of XXXX I had procedures done with XXXX XXXX XXXX within the XXXX XXXX of XXXX XXXX. At the time, I was under the impression I had 100 % coverage with my insurance company, XXXX, and was not charged or billed for services. Later, we discovered an issue with my insurance coverage and I was billed by XXXX XXXX and XXXX XXXX XXXX. I have paid off a collection with a separate company and am working to pay off the " bad debt '' within the XXXX XXXX for these services. 

While I was working with the XXXX XXXX to get documents to help provide medical assistance for these charges, it was reviled that no entity can explain why I have a balance of {$1600.00} from the debt collection agency of Frost-Arnett. The medical assistant at XXXX  for XXXX XXXX XXXX shows charges billed thorugh XXXX XXXX however they do not show any charges associated with " XXXX at XXXX. '' The billing department for XXXX XXXX can not find any documents that show other charges or any amount being sent to collections. I was told by the XXXX office on XX/XX/XXXX that the entity is no longer in existence. I can not even find information for " XXXX at XXXX '' on a simple XXXX search. I have NO WAY of being able to verify, dispute, or even review these charges that Frost-Arnett is trying to hold me responsible for. 

When speaking to customer service with Frost-Arnett, I spoke to their assistant XXXX   on XX/XX/XXXX. The only information they have on file is a date of service for XX/XX/XXXX with no doctor listed, only the company " XXXX at XXXX. '' I asked for contact information for this company, so I could review itemized charges. They have NO contact information to give me. They are " not allowed '' to contact the company on my behalf. I confirmed with the assistant who works with Forst-Arnett Customer Service over-the-phone that there is NO way for me to see what I am being charged {$1600.00} for. There was no solution offered to me. 

I am at the risk of my credit being ruined, over charges from a debt collector who can not tell me any information. This company can not tell me what I am being charged or who I can contact to find out why. I am being asked by Frost-Arnett to blindly send them {$1600.00} with no information. I have no way to contact this " XXXX at XXXX '' and the physician that performed the procedure has already billed me separately and has no record of this extra charge. The attached document is THE ONLY peice of information I have and the ONLY information aside from a date of service that Frost-Arnett can provide me as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Repport there are many errors in my credit score that are almost XXXX points in less than a month that lowered what it has cost me so much work to upload. there are XXXX or more points of my score in my report, I am up to date with my payments, I have paid some in full and my credit score has improved. Here I am attaching documents so that you can check it and repair my score because it has already been several times in less than a month and a half to download a lot and I request that it be repaired, since they will not update their data and in the meantime I keep losing and downloading every day my score and my credit. Thank you.. TransUnion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX snn. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft. I was not aware of, did not initiate, and did not give my consent for the following credit transactions/experiences. 

Account # XXXX XXXX XXXX reported XX/XX/XXXX {$180.00} Account # XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX {$21000.00} Account # XXXX XXXX XXXX XXXX reported XX/XX/XXXX original balance {$1500.00} The above listed credit transactions/experiences need to be deleted and blocked from my credit report as it damages my reputation and decreases the opportunities of credit being afforded to me.
Product: Bank account or service

I opened up a CitiGold checking account back in XXXX 2015 using a promotion that would give me XXXX XXXX points once I make XXXX qualifying payment each month for 2 months following account opening. I completed the payment requirement, but as of today, more than XXXX year after the completion I have not received those points. I attached a conversation with CitiGold representative on XXXX/XXXX/15 which confirms that I would receive my points as well as emails with my Citibank personal banker as proof.
Product: Student loan

Student loan was forgiven but the same month then loan was forgiven Navient was pushing lower refinance rates under Navi-Refi but failed to inform me that the student loan was being forgiven. When I refinanced it was converted to a personal loan. I believe Navient in an effort to collect used predatory practices so student loan would not be forgiven. As it was an XXXX forgiven loan Navient was aware and used and the lower interest rate on a private loan to lure students into personal loans. After contacting Navi- Refi they offered a settlement attached.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below. 
XXXX  XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$12000.00} XXXX  XXXX Balance : {$1300.00} XXXX XXXXBalance : {$16000.00}