23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/2016 I received an email offer from My Best Buy VISA Card that stated " Get a {$5.00} Reward Certificate for Every 5 Swipes when you shop with your My Best By VISA Card outside of Best Buy. Offer expires XX/XX/2016. '' The fine print stated " Receive XXXX bonus points per transaction. Bonus points will post to your loyalty account 3-4 weeks after qualifying purchases have been made. Limit XXXX bonus points per account ... '' Essentially, I was to receive XXXX bonus points per transaction and XXXX points equals {$5.00} in rewards. With a limit of XXXX bonus points, that means that a limit of XXXX transactions would receive XXXX bonus points each. I made XXXX transactions from the period that I received this email offer through XX/XX/2016, so I should have received the maximum XXXX bonus points. I never received any bonus points so I sent a secure message online through the card 's website advising them of the issue on XX/XX/2016. They replied back on XX/XX/2016 that they were " unable to properly respond to my request '' and provided the phone number XXXX. I called the phone number on XX/XX/2016. The person I spoke to said they had no such offer. I stated that I still had the original email and was looking at it as I was speaking to him. After several lengthy holds and being transferred to a " supervisor, '' I was told that they would forward my case for investigation and provided me with case # XXXX. I asked when and how I would hear back and get my bonus points. He stated they would email me within one week. It is now XX/XX/2016 and I still have n't heard anything nor have I received the bonus points. I tried calling the number back to follow up on the status but I was transferred and put on hold for over 20 minutes without anyone who was able to understand what the case number was referring and, eventually, I was transferred to Best Buy customer service ( for the actual store ) which has nothing to do with the credit card offers. At this point I hung up and decided to file this complaint. It 's apparent that they never had any intention of fulfilling this offer and are using exhaustive customer service practices to frustrate me as a customer to give up. I feel as though this is a UDAAP violation in that they are emailing advertisements to encourage customers to use their card while not providing the bonuses promised in the advertisements. If I had spent the money on another card, I would have received 2 % cash back, however, at this time I have received nothing. I am looking for the {$50.00} in rewards that I was promised and some compensation for the hours spent online and on the phone trying to resolve the issue.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft resulting from a data breach. Fraudulent accounts and inquiries have appeared on my credit report without my authorization.Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and deleted from my credit file immediately : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  has placed a fraudulent medical collection on my credit report. I have never received any notification for medical bills and I am a XXXX  and have a great benefits package. This is negatively impacting my credit and needs to be removed immediately.
Product: Checking or savings account

I received a letter dated XX/XX/XXXX from M & T Bank advising me that they were closing my checking account as of XX/XX/XXXX. The letter said not to call them because they would not give any further information. I did call on XX/XX/XXXX when I received the letter without giving my name just to ask in general what reasons might be for the bank closing an account and the clerk would give me no information whatsoever. I have had a relationship with this bank for at least 25 years and have never bounced a check. My husband and I direct deposit our paychecks into this account and have since the day we opened the account. I checked my credit report and there was a soft inquiry from them on XX/XX/XXXX. I have no idea why they checked my credit and would like to know why. However, there is nothing on my credit report that would negatively impact me having a checking account. All of my debt is current and with the exception of a 30 day past due from my XXXX XXXX credit card for an amount of {$32.00} in XXXX, XXXX, there has never been even one late payment on any of my accounts. I would like to know if there is something on my record that is incorrect or fraudulent so I could take care of it. This also will cause a huge problem with my Stimulus check from the Treasury Dept. This account is my bank account for my direct deposits to the IRS. If they are bounced back, I will never get them.
Product: Prepaid card

I purchased two vanilla gift cards with {$460.00} each for the purpose of paying my rent. The card stead that I could use the cards anywhere a visa logo was accepted however after purchasing it the card would only decline. I reached out and they said it would only allow some merchants and that although the wording on the package said " everywhere Visa is accepted '' that that was not true. They said I could get a refund and then did not tell me that I needed to send in documents to request it via letter. They are refusing to give me a refund and are only giving me the run around.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Money transfers

On XX/XX/XXXX, I contacted XXXX XXXX ( XXXX ) to make a dress for my brother 's wedding, I have all email and IM correspondances which she clearly stated she would make a XXXX/XXXX copy so we can ensure fit. My mother placed an order with her as well under the same assumptions and she stated again that she could do the XXXX. My mother sent her measurements within 24 hours of paying for the dress but never received the dress by the deadline, XX/XX/XXXX. When the dress arrived the quality of sewing was poor and unfinished. The material had oil stain. My outfit arrived the evening before the wedding ( XX/XX/XXXX ) not allowing time for alterations. Both items did not fit and were not quality made items and not as previously designed/discussed. I have pictures to document these concerns. When contacting XXXX, she refuses to come to a resolution saying the XXXX was an extra charge despite not disclosing this prior to payment or previous emails. She refuses to meet us halfway in resolving this issues. She took our money total of {$480.00} and is hiding behind NO REFUND POLICY despite poor craftmanship and lack of timely deliver as promised.
Product: Checking or savings account

I was constantly being charged the overdraft fees. I had nothing but problems with Wells Fargo when I had my account with them a lot of times they would freeze my account and I couldnt get a hold of my money.
Product: Bank account or service

I was denied a small business checking account because I have " fraudulent activities '' on my Chexsystems report. I have no fraud, no bounced checks, no NSF charges, and no late payments. This is hampering my ability to do business and it 's unwarranted. The number that they have listed on their joke of a website just tells you to file a report. Once I finally googled a phone number that let me talk to someone, they were outrageously rude, even swearing at me and hanging up on me twice. They did n't let me speak to management, and said " good luck with your problem, we ca n't help you. '' How is this place allowed to do business? It is an embarrassment for the country to have a " consumer reporting agency '' to be doing business like this. It is costing XXXX people the chance to open bank accounts. Their " dispute '' process is equally embarrassing. If you end up on their list, you 're pretty much XXXX, whether it 's your fault or not.
Product: Credit reporting or other personal consumer reports

Resident Verify and XXXX XXXX XXXX appeared to collude to falsify my credit report in order to increase a deposit for an apartment or provide financial benefit to one ot both companies. I am attaching the letter my attorney wrote to both companies asking for an explanation as to why an Adverse Action Letter was issued when my credit score is clearly listed as an XXXX. The report notes that the information was obtained from XXXX ( which they deny and state they only use XXXX  scores and not XXXX ). I spoke with representatives from both companies and no explanation was provided, the hard inquiry was not removed as requested and the counsel from Resident Verify responded with false and erroneous information. He appeared to blame XXXX XXXX falsifying the report. I could not get an explanation as to why the adverse action letter was ever issued and who issued it.
Product: Checking or savings account

After filing my first complaint against Wellsfargo. They sent me a letter stating that Wellsfargo completed their research of my inquiry about the charges totaling {$700.00} and based on their information available. They have concluded that the transactions were made with my card by me or someone who had my permission and Personal identification number. So therefore, they stand by their decision to decline my request for reimbursement. 
Wellsfargo provided a very vague letter with no further in depth details. So because a creative criminal/thief somehow obtained my personal information of my card and pin. Used it many times before I was aware. I am now being punished and accused by my own bank that is supposed to protect my money in my account. Is not on my side/customer at all. 
A criminal/thief used my information to use my money without my permission is FRAUD. How am I a customer, of a big bank like Wellsfargo. Supposed to stop anyone doing illegal transactions to my account? My only resource is putting the trust into Wellsfargo. They have failed me as a customer. Once again, I did NOT making any of those transactions. I did NOT give anyone my card & pin information. My own wife & kids do NOT know my pin or have my card. 
Please help me retrieve my money back. Im a victim of fraud.
Product: Mortgage

My mortgage company is denying many of my request with no reasoning. 
I file bankruptcy in XXXX and the bankruptcy closed in XXXX. I never included my primary residence and have the paperwork showing this. I am currently requesting the transcripts for that hearing. 
The Lender stated I reaffirmed the loan but on request, they would not send me the letter reaffirming the loan. I am several emails for my requests. 
I defaulted on loan XXXX, XXXX to now. None of the request I made was granted. They offered me a loan modification but I explained to the Lender I was experiencing a hardship with an IRS debt and my Grandfather 's financial issues. They never considered the loan modification again. 
The Lender Representative advised me that I needed to surrender the home and she asked if they could place a lock on the house. I responded no and that was only leaving my home temporarily to take care of my Grandfather. 
I never heard from the Lender again. 
In the beginning of XXXX, XXXX I received a letter stating Notice to the any party in the residence the house was being sold. 
I never received the Notice of Intent to Foreclose. I notified the Lender. The Lender had their Attorney email me the Notice of Intent to Foreclose and the Preliminary Loss Mitigation Paperwork ( dated ) XXXX XXXX, XXXX. A week later a guy shows up to the house and serve me the same papers. 
I completed the modification request. On XXXX XXXX, XXXX the Attorney sent me an email stating I was denied for the Forbearance and Modification at that time. 
I never received an official dated letter of denial from the Lender. 
When I asked why? She indicated the reasoning on the Hardship Letter was not sufficient with ie., my roommates income to me. But that was not the Hardship. I have requested a copy of the Letter of Denial. 
I have sent in two payments.
Product: Payday loan, title loan, or personal loan

affirm says i must pay this loan even if i did not receive the merchandise or even while it ; s in dispute ( id XXXX ) DISPUTE CASE ID XXXX. THIS IS NOT RIGHT
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX on XX/XX/XXXX from Carvana. I financed about {$4500.00} with a company chosen by Carvana called XXXX. I paid this loan off IN FULL on XX/XX/XXXX. Carvana did not register my truck until the end of XXXX, almost XXXX days AFTER the loan was paid in full. They listed themselves as the lienholder at the time of registration, and they registered the truck in a county I do not live in, which is illegal in Tennessee. XXXX states that Carvana and XXXX are " XXXX in the same '' company, yet they are not ; XXXX is the loan servicer. Carvana will not provide title despite numerous requests. XXXX issued a Paid in Full letter that came directly from them as if they were the lienholder, and they did not sign it, so it was rejected by the XXXX and XXXX XXXX. I have filed a complaint with the TN Dept. of Commerce and Insurance, but they only sanction the dealer, they can not help enforce releasing the title. Attached is XXXX pages of documentation showing the procrastination and smoke and mirrors by these XXXX companies. It will be XXXX days since the loan has been paid in full and I need my title, or a legal release of lien signed by the listed lienholder, Carvana.
Product: Debt collection

2017 I was victim of identity theft fraud. I solved the issue with police report around 2017 but again this company XXXX is contacting me for this issue and I got a second police report and now the are requesting to file a FTC complaint. 

Thanks
Product: Student loan

On XX/XX/XXXX, I paid for one of my loans in full. The money was taken from my account, but the information on the MOHELA website was never updated, and the loan continued to go unpaid and accrue interest. I waited XXXX business days before calling MOHELA on XX/XX/XXXX. When I spoke to a customer service representative, she stated that the payment had gone through, but she did take the steps to file a form to the accounting department, in order to ensure the payment would appear in my account. She stated that it would take XXXX to XXXX days business days for my account to update. My account still has not been updated to reflect the payments made.
Product: Student loan

I took out several loans through XXXX in my name for my daughter to help pay for her college tuition. When she was done school and still searching for a job, she kept getting harassed by navient and XXXX. We explained to them that she was not working at the time and that she was not able to make payments. We had a small past due amount and they told us once it was up to date that we could file a deferment. Once we paid the past due amount we spoke with another financial counselor through the company who then told us we were not able to go through a deferment. We were very frustrated and just decided that she would start paying once she found a job. Navient and XXXX called me several times a day, at all hours of the day. They were not willing to work with us on anything. My daughter found out several months after she got a job and started paying her XXXX loan that she was on a loan deferment for three months, but that the company kept calling her multiple times a day harassing her for bill payments! 
She is now paying all of her navient & XXXX loans but is trying to get them lowered, she only works part time and has other loans to pay in addition to this. We called Navient yesterday to see if we could get the payments lowered, and all the representative said was that they can try to lower XXXX of the loan payments by {$29.00}. I also have asked them several times over the phone to send repayment options through the mail, they said they sent them out several times but I never received anything from them. As of now she has to pay navient until 2041. I hope that young adults with student debt will be forgiven from this amount of debt, it is crippling.
Product: Credit reporting or other personal consumer reports

The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is one being reported. Please see this account is removed from my file at once. If you continue to report this information without truly verifying the information I will be seeking a legal remedy. Ive already discussed this matter with my attorney & he will draw up the federal case within 30 days of this letter if its not removed .... Bankruptcy XXXX XXXX Filed on XX/XX/year> Reference number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Well it's supposed to be free but all three of them asked me for a credit card and want me to pay for it to get my score if it's free it should be free I should never have to putting a credit card and be charged for it from my once a year free credit report.
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Debt collection

I keep receiving calls from mediation groups to pay off a credit card that I never owned. I am accused of having a citibank XXXX XXXX credit card from XXXX to XXXX with the card ending in XXXX. I have never owned a credit card from a citibank and never seen anything on my credit reports showing I made payments or anything. I own 2 credit cards and they are up to date. I live in Alabama and keep telling them it is not me despite them having my name, phone, address, which anyone can get if they look hard enough. 

I never signed anything, no contract, no agreement, not anything referring to a credit card and asked to see that. I'm told well statements are continuing to be sent, well one, I dont live where the so called statements are going, and two, so what if their statements, thats not an indication that the debt is mine. Anyone can fill out a credit card app and put my info in, not to mention the statue of limitations on credit card is 3 years. If this thing was so called opened in XXXX, it's XXXX and at some point they need to give it up that I am not paying for something I never got. Nothing has ever been put on my credit reports, all three, no collections ever since XXXX. I want them to stop bothering me and my family. They have been told and that means calling my mom too, good lord really .... They seem pretty desperate, sad actually..
Product: Vehicle loan or lease

I tried to resolve this matter with three credit bureaus and this company but they are not willing to work out this unauthorized inquiry situation. I asked them for months to provide me with a voiceover, a copy of my Driver License or any signed statement authorizing them to pull my credit report. Its been a couple of months and I still havent receive any response or documents showing otherwise. This is a major violation of the Fair Credit Reporting Act, so this mean they are breaking the Law.
Product: Credit card

Bank of America XXXX XXXX credit card - I have not used this card in years. Annual fee was reported as bad credit to credit reporting agency. My credit score of over XXXX with nothing late is now XXXX. I found out when I went to apply for a mortgage. We were in the middle of selling XXXX home and purchasing another. I phoned Bank of America customer service and they were unwilling to help. When I saw the XXXX XXXX mail the XXXX time I did open it. It was already to late. I told XXXX the manager at Bank of America, " I have n't used this card in years why would you still send this out and charge me? '' Her respond was, " you knew what it was when you signed up. " If a person does not use a card in 3, 4, or 5, years why should a credit card company be able to bill you and then ruin your credit because of a fee? 
Can someone help me with this problem?
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX/2022