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

Dear Customer Financial Protection Bureau ( CFPB ) Representative, I hope this email finds you well. I am writing to file a formal complaint against U.S. Bank regarding their failure to provide me with the promotional bonus promised in their email campaign. Despite meeting all the requirements specified in the promotional email, I have not received the {$450.00} as offered by U.S. Bank. 

To provide a comprehensive overview of the situation, I have attached the relevant documents for your reference. XXXX  XXXX contains the email I received from U.S. Bank, which clearly outlines the terms and conditions of the promotion. 

Moreover, XXXX  XXXX displays my U.S. Bank transactions, demonstrating that I opened the account and setup deposited an initial amount of {$250.00} on XX/XX/year>. Furthermore, I successfully completed 4 qualifying direct deposit transactions, exceeding {$8000.00} in total, thereby satisfying all the eligibility criteria stated in the promotional offer. 

Despite my repeated attempts to contact U.S. Bank, I have not received any satisfactory resolution to this issue. I have reached out to their customer service representatives multiple times, but to no avail. It has been over 4 months since I fulfilled all the requirements, and the bonus has still not been credited to my account. 

I believe this failure to fulfill their promotional commitment is a violation of their terms and a breach of the agreement made between U.S. Bank and its customers. And they are still promoting the same offer online right now ( https : //www.usbank.comXXXX  ) Such practices erode consumer trust and undermine the credibility of financial institutions. Therefore, I kindly request your intervention in resolving this matter and ensuring that U.S. Bank honors their promotional offer by promptly providing me with the promised {$450.00}. 

I trust that the CFPB, as the governing body overseeing fair and responsible banking practices, will thoroughly investigate this complaint and take appropriate action against U.S. Bank if necessary. I would greatly appreciate your assistance in resolving this matter and ensuring that my rights as a consumer are protected. 

Thank you for your attention to this matter. I look forward to a prompt resolution and a favorable outcome. Please do not hesitate to contact me if you require any additional information or documentation.
Product: Debt collection

I believe this is a scam by XXXX XXXX. They are asking for XXXX but I had no debt. I believe this is a mistake. I rented an apartment ( duplex ) from them from XXXX had left the apartment in immaculate condition ( better than when I moved in ) and paid a professional service XXXX XXXX XXXX clean the apartment, including the bathrooms, behind the appliances, and ceiling fans and shampoo the carpets. I have a receipt for {$350.00}. I have pictures as well. I even cleaned out the garage floors. It was n't even dirty to begin with I am a very clean person, living alone. There were no damages to the walls, I did not even hang any paintings. They did not complete a walk through with me because it was a holiday weekend and they were closing early. Not only did they they not give me my deposit back, they billed me an outrageous amount of money for normal wear and tear such as painting, but again, I did n't damage anything. There were previous cracks in the tile which they knew about. I also changed the locks ( With their permission and still kept the original ) and they said I did n't have to change them back just drop off the keys. I wrote them to inquire what those charges were for and that I believed that they were they may have confused me with another tenant and they wrote me a nasty email back and sent my information to collections. I believe I went above and beyond. I was very cordial and tried to work with them but got frustrated. I recently searched the intenet and found XXXX XXXX had done the same things to other previous tenants. Why they would try to intentionally damage someones credit I do not know except to hurry them so they could not rent from someone else. I am considering initiating a class action lawsuit for the false accusations. I had a friend who rented from them who had XXXX dogs who destroyed the apartment and they treated me just the same as her which I thought was not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has stated that it will not investigate my claims of inaccurate reporting on my credit file. After repeated request to have my credit report updated to reflect the inaccurate items be investigated Equifax has failed to correct this issue and still are reporting inaccurate information on my credit report even though i have showed factual information to support my claim. If this matter cant be resolved i will seek legal action against Equifax. 

XXXXXXXX XXXX inaccurate information reported. ( payment history ) XXXXXXXX XXXX inaccurate information reported. ( payment history ) XXXX  inaccurate information reported. ( payment history )
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

Below are the accounts that I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was charged for a service I did not receive in my Citi MasterCard by XXXX XXXX XXXX XXXX in the amount of XXXX on XX/XX/21 of which I was never given a receipt. XXXX XXXX  XXXX XXXX  XXXX also charged my husband 's Visa credit card XXXX. When he complained to his XXXX XXXX Visa credit card, the dispute was resolved immediately to his favor, based on services not rendered and on a nullified Proposal. I filed a dispute with Citi Cards and complained to youngs water and sewer but they only credited me a portion of that amount and not the full amount. The pending amount was XXXX. I then complained to Citi and there was much confusion given their disputes operate in XXXX and there is a language barrier. In fact, one of their dispute reps stated that there was confusion with the investigators and after speaking over the phone with me helped to clarify. This rep also stated that it would help for the investigators to call but they did not. I made repeated calls to Citi disputes and while over the phone I clarified many times this issue with them confirming over the phone that I am not responsible and that no services or products were ordered, they responded with differing information then closing the dispute claiming I was responsible, then reopening the dispute multiple times. to finally stating that because the merchant refuses to issue a full refund, I would have to pay the remaining {$2800.00} when services were not rendered. Citi has closed and reopened this dispute multiple times going back and forth with me and the vendor who has violated visa and MasterCard rules with making fraudulent statements of services not rendered and products never ordered by XXXX and claims of a restocking fee. Citi after 4 months is now saying I will be charged for the portion the vendor has refused to refund my account ( XXXX ). When in fact I never received any services or products nor have I received a receipt for the charge youngs water and sewer placed on my credit card. I provided all documentation to Citi including the false claims evidence. I never received the final details from Citi as to their investigation and how they arrived at their conclusion given the evidence I provided. Other than the dispute rep stating that the merchant and merchant refuses to refund me the full amount.
Product: Debt collection

I am requesting an investigation and deletion of this debt. 

See Following Information Regarding Dispute, Account Information : Original Creditor XXXX  - XXXX XXXX  XXXX, XXXX XXXX XXXX  and XXXX - Acct. # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX Dates associated with items being disputed : Account originally opened with XXXX  on XX/XX/XXXX Account opened with NCB Collection agency on XX/XX/XXXX Explanation of item being disputed : I applied for a loan in the amount of {$1400.00} on-line with, XXXX  XXXX XXXX XXXX, XXXX Floor XXXX XXXX XXXX CA. XXXX, on XX/XX/XXXX, and was approved for the loan through, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 

I was scheduled to get the first direct deposit on XX/XX/XXXX, however I never received that deposit, after contacting XXXX and sending an email on XX/XX/XXXX, with my bank records dated from XX/XX/XXXX thru XX/XX/XXXX it was found that XXXX had the wrong account number for my checking account. XXXX  supposedly fixed the error and rescheduled a second direct deposit for XX/XX/XXXX. However once again that direct deposit also did not go through correctly. I made numerous phone calls regarding the loan to XXXX, and the issue was never resolved, nor did I ever receive the loan. I sent another email on XX/XX/XXXX, to XXXX advising in writing that I did not receive the loan and demanding that XXXX cancel the loan and remove it from my credit report immediately. I then received a bill for a loan that I never received, I called XXXX  again, and again sent XXXX  another email on XX/XX/XXXX with bank statements from XXXX and XXXX attached for proof to dispute the bill for a loan that I never received and demanding that the loan be canceled and to remove it from my credit reports. This was never done by Upgrade, I then received a notice of collection in XXXX of XXXX that was dated on XX/XX/XXXX, from the following Debt Collector : XXXX XXXX XXXX - XXXX Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA. XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX a debt collector hired by the following collection agency : XXXX  XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX I am not responsible for a XXXX/ XXXX  that I never received and repeatedly tried to get XXXX  to correct or cancel the loan, I included supporting documentation to XXXX  as proof that I did not receive this loan and disputed it. I have been repeatedly ignored by XXXX management after asking time and time again for a return phone call. 


I request that this item be thoroughly investigated and deleted from my Consumer Credit Report Immediately. 


Thank you in advance for your assistance in resolving this matter quickly. 

Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 visited XXXX XXXX in XXXX Al. I specifically told salesman XXXX, that i didnt want my credit pulled ... i kept repeating that to him. He reassured me that it wasnt gon na be pulled ... He was taking a long time in the underwriters office so i walked in and there was my credit report pulled and all notofications of a hard pull was coming to my phone.. This made me furious. Then XXXX says, what my score is and speaks about my report..then he pushed a paper towards me saying here sign this this is for me pulling your credit ... But I TOLD YOU ALL NOT TO PULL.. SO NOW im stuck having to deal with all these erroneous inquiries.
Product: Credit reporting or other personal consumer reports

I requested an update of explanation from XXXX XXXX XXXX XXXX The credit card was paid in full on XX/XX/year>. Due to timing of the payment made fees were charged. After calling customer service the fees were reversed and noted on the attachment included. Due to the timing of XXXX XXXX XXXX XXXX making the corrections they charged other fees on top of their own fees that were incorrect. I have spoke with multiple customer service reps and supervisor and they make a correct I receive a letter showing the fees were removed and they never update the credit report. The payment was never late and it has been showing late since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I paid 2 collection agencies. I was told my credit report would be updated. My credit report at Equifax was never updated. I was told by XXXX XXXX XXXX I had to wait. I filed 4 complaints with the XXXX XXXX   XXXX against XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. As of XX/XX/XXXX there is no change to my Equifax Credit Report.
Product: Credit reporting or other personal consumer reports

This debt collector engaged, unfair and deceptive practices of FDCPA which it prohibits. They furnished this account that we didn't agree upon and didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper Five step validation procedure which makes these unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly, they violated my rights I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made/initiated. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Listed items under XXXX, XXXX, Experian Item A copy of the police report outlining the identity theft, listing the inaccurate accounts. section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter. And thank you ( ITEM 1 ) Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification XXXX Last Payment Date of First Delinquency XX/XX/XXXX Original Creditor Name XXXX  XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1400.00} Amount {$1400.00} Status Date XX/XX/XXXX Status UNPAID ( ITEM 2 ) Collection Agency XXXX XXXX XXXX Original Creditor Name THE XXXX XXXX XXXX Date Assigned XX/XX/XXXX, Original Amount Owed {$1100.00} Amount {$1100.00} Status Date XX/XX/XXXX, Status UNPAID Balance Date XX/XX/XXXX, Account Designator Code INDIVIDUAL_ACCOUNT Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Creditor Classification XXXX Last Payment Date of First Delinquency XX/XX/XXXX ( ITEM 3 ) COLLECTION AGENCY XXXX XXXX  ORIGINAL AMOUNT OWED {$4100.00} OPEN XXXX XXXX XXXX XXXX  ACCOUNT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXXm XXXX now.with no help.
Product: Checking or savings account

My account was hacked and there was no customer service available.
Product: Credit reporting or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1666b.Timing of payments U.S. Code Notes ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Experian has not corrected my Credit File to reflex what is actually been paid in full. 

XXXX XXXX and XXXX XXXX XXXX should show a XXXX Balanced Owed. My Credit Score has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get Credit again. As of this date I have been Rejected for Credit Cards and.. 

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed. 

Waiting for a Reply, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXUPDATED XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX-UPDATED XXXX XXXXUPDATED XXXX XXXX  XXXX XXXX-UPDATED XXXXXXXX XXXX XXXX-UPDATED This is not telling me how we're these account verified . 
So once again I'm requesting method of veification for the accounts above, not an update but verification. 
I request that you send me this information so that I know that the investigation was in fact conducted properly. If yo are unable to respond in a timely manner and /or provide me with the requested documentation, please delete the accounts ) from my credit report. 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

have contacted credit bureaus on numerous occasions to have incorrect or outdated information removed, however they are refusing to remove the information stating that the items come back validated even though the information is correct.
Product: Payday loan, title loan, or personal loan

This loan was created in XX/XX/2021 under misguidance and fraudulent terms. During the duration of the loan, upon my making monthly payments, there were multiple accounts with this creditor created in my name, without my consent. I have on document multiple account numbers for the same loan. In addition, I signed the original contract with TitleMax, but documentation notes that the contract is with XXXX XXXX, XXXX. and another agency. The TitleMax Manager that created my contract noted my physical appearance, height, weight, nationality, etc illegally. I did not consent nor did I volunteer this information. 

When I learned of these and other discrepancies, I immediately requested each contract signed because I had never received them. In addition, I mailed certified documentation noting that I was opting-out of their arbitration clause as instructed in the contract. I did also mention that I was in pursuit of legal assistance to resolve the matter. 

After some time, perhaps a few weeks after I refused to make payment and pursue it legally, a legal team director, I believe called me and offer a settlement of {$8500.00} within a couple weeks time. I told him that I would need some time to get back to him on the timing and amount. 

I did not call him back until the day I was to sell my vehicle. He told me that after our first conversation, he submitted documentation that I had agreed to his quote. I never agreed. 

I was prepared to sell my vehicle and pay cash to end the loan, however the entire company stalled when I asked for a Payoff Agreement. I could get no resolve from store management, neither the legal team director in Ohio. They stalled for time over and over again, and mislead me in order to further stress the situation and exhaust the last day before they'd repo. They did not want my money. They wanted my vehicle. 

In the end the payout paid was {$8600.00}. I'd also paid a few monthly payments of $ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquires on my consumer report that i did not authorize, or give these companies permission to obtain my credit report. there are well over XXXX inquiries reporting. This is crazy because it is hindering me from getting any new credit, it's hurting my mode of living.
Product: Debt collection

I received an email today ( XX/XX/20 ) from someone claiming to represent Spotloan.com. They have a XXXX  email address, not a business email, and the grammar in the email is iffy. They threatened to serve me with court papers if I do not agree to pay {$750.00} up front or {$150.00} biweekly until it reaches {$890.00}. They are obviously impersonating the actual debtor, but I do not know how they got my information or that I had a loan with that company.