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

I opened a checking account with First Tech Federal Credit Union on a referral invitation from a family member. The referral provided me an opportunity to earn {$50.00} bonus if I deposited {$250.00} new funds into the account within 30 days of account opening. I opened the account and deposited the necessary funds, but First Tech is not honoring its bonus promise on technical grounds, stating that I transferred the money the same day of deposit, this was not mentioned anywhere in the promotion that money needed to be in the account for certain period of time. I called First Tech customer service numerous times and I was initially not told about this technical issue. Only after 30 days passed, they informed me I would not get the bonus. I feel like this is deceptive marketing and has completely wasted about 6 hours of my time. The agents were either poorly trained or withholding information purposely.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has my account sent to collections, but still reporting my account closed with a balance. Please have this account removed from all three ( XXXX ) bureaus as this information is hurting my credit report significantly.
Product: Money transfer, virtual currency, or money service

XXXX is the one I use to transfer money. This time I got this message after I submitted. And got the message, Your payment is currently in the electronic check clearing process. During this time, your bank account is being verified, debited, and payment is being credited to XXXX. Normally, this process takes up to four ( 4 ) business days. 

They did not provide a warning before submitting. Called three times and was told all the other times they pre funded but in reality, the amount was debited instantaneously. This warning must have been shown before submitting the transaction. 

My second call was hung up.
Product: Mortgage

My dad died almost 8 years ago. My mom died 2 years ago. For 2 years I fought with Carrington Mortgage to get the loan in my name. I finally did that. I have requested a forbearance since XXXX due to the fact that I had to put so much money into a lawyer and everything else to take it over. I also have some work that needs to be done in the home so that myself and my children can continue to live here. Carrington mortgage is telling me that I can not have one since they have already did one. That was before I was added in XXXX. They are giving me nothing but a run around. The under writers are saying they cant read my paystubs that I faxed in, but the other workers are telling me they can and there is nothing wrong with them. Every time I call and every person I talk to gives me a different store and it is never the same. Also when I took the home over I was told I would not owe any fees on the home I would just start with paying a monthly payment. Well now they are telling me I have a bunch of fees that are due and will be added into my loan amount. This company is awful and no help to anyone who uses them.
Product: Student loan

I graduated from XXXX  XXXX University in XXXX. Upon graduation my parents XXXX XXXX XXXX filed for chapter XXXX bankruptcy. During the XXXX years they were going through this process my loans were in forbearance and accumulating interest. I did not know this at the time until I was in the process of purchasing a home. Numerous loan companies would not work with me until I gave them information about my private student loans. I would try to call Navient and they would tell me that they can not speak with me about the loan that is included in the bankruptcy until it is complete. I have found out that during this time my loans accumulated over {$30000.00} of interest. The companies involved were the following : Navient and XXXX XXXX State Authority. When I would log on to XXXX the website would not show any balance at all. At the time I assumed the loans were sold off and I would begin paying to a different company. 

During this process I continued paying on my federal loans and I would have done the same with my private loans if I was able to. I am not sure what to do but now I have over {$120000.00} in student loan debt and I am struggling to make the minimum payments. Can something be done?
Product: Credit reporting or other personal consumer reports

THI ISNT A REQUEST TO VERIFY OR VALIDATE ANY INFORM. My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 15 USC 1681b. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C .1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments
Product: Credit card

I opened an ikea credit card attracted by the promised 5 % cash back on in-store purchases, and has beeing using the card for about 2 years. I was shocked to discover that I only have {$11.00} in rewards accumulated over the past XXXX years of using the XXXX credit card. I called comenity ( the bank who issued my ikea credit card ) today ( XX/XX/2023 ) and asked them where are my rewards. 

During my conversation with a representative from the customer service team, I was informed that reward certificates are issued with every billing statement and that these certificates expire XXXX months after issuance. As I have enrolled in paperless statements, I have been missing out on these reward certificates, as they can only be obtained by downloading billing statements online. 

My primary concern is that I was never notified about the issuance of these reward certificates on a monthly basis. Given the nature of the rewards program and the expiration period, it is disheartening to learn that I have missed out on a substantial amount totaling {$310.00} in rewards. I believe it is unfair for customers who have enrolled in paperless statements to be denied proper notification of rewards issuance. 

Furthermore, while I understand that the terms and conditions XXXX have been outlined in the agreement when I initially opened the account, I do not recall this information being adequately emphasized. It is crucial for customers to be clearly informed about such conditions, especially those that significantly impact their ability to enjoy the benefits of the rewards program. 

I kindly request a thorough investigation into this matter and a review of your notification processes for customers enrolled in paperless statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

ACCOUNTS : XXXX XXXX XXXX- XXXXXXXX XXXX  XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX PUBLIC RECORDS : XXXX XX/XX/XXXX Discharged BankruptcyChapterXXXX INQUIRIES : XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My social security and phone number is under an incorrect email address and Experian will not respond to me to correct it. 


my social security is being used for purchases, loan and creit card applications
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to transunion concerning two tax liens that are still reporting that has been paid since ... XX/XX/XXXX for XXXX released XXXX County Superior court XX/XX/XXXX for XXXX released XXXX County Superior court letter received from Transunion XX/XX/XXXX indicates that the investigation was complete & information verified as accurate. My understanding is that it will remain on my credit report for 7 years from the filing date XX/XX/XXXX. I would like to have this dispute looked into as I have worked very hard to rebuilt my credit as well I have been very patient!
Product: Checking or savings account

On XXXX XXXX, I placed an order from Carvana LLC, an online used car company, for a 2016 XXXX XXXX. I was required to pay a roughly {$1800.00} nonrefundable shipping fee despite gross mischaracterizations of the merchandise and services by Carvana. 

I never got the car and, after realizing how much false advertising was involved with this car, canceled the order before it was ever shipped. 

The car advertising boasted of a perfect 150-point inspection ( included in my documentation ), allegedly conducted just several months ago by Carvana. I took time off work in order to pick up the new car 400 miles away from my home on Friday, XXXX XXXX, only to be told less than 24 hours before pickup time that the car transportation was delayed. 

My documentation includes screenshots of conversations with two different Carvana agents ( XXXX XXXX ) who tell me completely different things about why my order was suddenly delayed. At first I was told there were no issues with the car and that the transport was delayed ; the second agent admitted that there was a last minute mechanical problem that forced Carvana to fix it before shipping -- I was not told this in advance and was led to believe that my car was on the way right up until the night before my pick up date on XXXX XXXX. 

In reality, the car had neither boarded a truck nor received the alleged 150 point perfect inspection that influenced my decision to purchase. When asked, the Carvana agent would offer no explanation as to what this mechanical issue might be, when it might be fixed, or when the car would actually arrive. Had I known that the 150-point inspection was a sham, I would never have purchased the car or paid for the shipping. Carvana blatantly mischaracterized their product and services. 

Ultimately, I canceled my car order on XXXX XXXX before the car was ever shipped. I've filed a claim with my bank to recoup the roughly {$1800.00} " nonrefundable shipping fee '' from this company, one which has gained a reputation for false advertising and misleading business practices. 

I want my money back. I asked Carvana to refund the " shipping fee '' due to their false advertising but they would not budge.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) against them for similar violations. I request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate XXXX XXXX XXXX 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

Experian is in violation of the Fair Credit Reporting Act and they are damaging me daily. I have requested that Experian ensure maximum possible accuracy of the information they compile in my consumer file and report about me in consumer reports. I have been disputing the same information that is not 100 % accurate since XX/XX/XXXX. When Experian refused to delete the incorrect and incomplete information in my consumer file, I sent follow up dispute letters demanding deletion on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Because Experian refused to delete information that I provided proof of inaccuracy, I sent evidence from the California Secretary of State showing that companies did not exist in my state. I also requested a 609 full disclosure on my entire consumer file in writing since it appears that Experian has information that I am not privy to that refutes my disputes. Experian can not possibly validate and verify any information they are refusing to delete being that the alleged creditors do not exist. I have no recourse against any of the listed creditors as they do not have registered agents for me to serve legal process in California. Is Experian conspiring against me with entities that are elusive to me? It appears that Experian has some vested interest in continuing to damage me. 

Experian has refused to send me the 609 full disclosure of my entire consumer file in writing within 15 days. I sent it to Experian 's registered agent in California, so they can not say that they did not receive it. 

I demand deletion of the information listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

one XXXX  account has been reporting on my credit all three bureaus. i had disputed and now it has come back on all three bureaus, i have proof that this inaccurate and fraud account that was opened with out my knowledge was removed from all three major credit reporting agencies and now it is reappeared again. 
please i called experian to dispute and their answer was that no more disputed, this is crazy, i need to have this inaccuracy removed and deleted from my credit file. 
please help me to do so thank you
Product: Checking or savings account

On XX/XX/year> my bank accounts were compromised, resulting in {$800.00} in unauthorized charges while I was away on vacation and my phone left at home. I filed a dispute and changed my atm card, only to be denied stating no errors were found. Conveniently, this was denied 2 days before i was due to recieve my credit to my account. I reopened the claim Then, on XX/XX/year> the same thing happened, this time amounting to {$410.00}. I once again contacted Chime bank to advise them, closed another atm card and this time blocked the merchant, provided a written statement and a police report. I was assured I would receive my credit in 10 business days and that all of my documents were received. Yesterday, XX/XX/XXXX I was advised that my claim for the {$410.00} was denied because the never received my police report. I uploaded it once again. Then, today, I was notified that my other dispute for the {$800.00} was also denied, once again 2 days before my credit is due. I have made several calls to the bank, to the merchant with no resolve. I am not in danger of having my utilities disconnected because the bank will not return money that was fraudulently taken from my account. This has been am ongoing issue since XXXX and is completely unacceptable
Product: Credit reporting or other personal consumer reports

You are in violation of the FCRA for continuing to report late payments on the account XXXX XXXX when the creditor submitted a manual update in XX/XX/2024. The creditor responded to CFPB complaint XXXX stating that the account qualified for a credit adjustment and that the credit agencies would be notified and to expect the update within 30-45 days. It has been well over 4 months and this account remains. Please see the attached response from the company and remove this account within 7 days.
Product: Credit reporting

More negative information from Transunion. I have filed over XXXX complaints on this negative information and have been told it is not there. Now it is here again.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX Date Reported - XX/XX/2018 Payment Status - 120 Days Late Account Status - Transferred Account Type XXXX XXXX XXXX XXXXIndividual Original Loan Amount - {$16000.00} has 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize this account as reported and believe it does not meet the FCRA guidelines. The payment history, payment standing, current balance, past due balance, date open, date last active, and date of first delinquency are all incorrect or in some cases completely missing. I ask that you get this fixed so that the account reflects a complete picture of my credit ability. 
XXXX XXXX XXXX is a debt management plan that I participated in from XX/XX/XXXX to XX/XX/XXXX that managed all accounts and payments as agreed by Me and all account holders involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB complaint to address the Credit reporting Agencies inability to verify the information being reportd on my Credit Report as well their inability to report accurate information on my Credit File. I previously sent a letter addressed to the Credit Bureaus dated XXXX XXXX, requesing that the Credit Bureaus take their time to VERIFY THE INFORMATION THEY REPORT ON MY CREDIT FILE. I believe I am victim of Identity theft and the items I am disputing were the results of such crime. I Started disputing my Credit File on XX/XX/XXXX under the provisions of the Fair Credit Reporting Act section 605b and the last letter I sent to the Credit Bureaus was dated XX/XX/XXXX. The Credit Bureuas have failed to remove the disputed items completely from my Credit report and insist that the information they report are accurate and verified. I do not agree with their findings and demanded proofs of verification for me to be able to verify the information myself. But the Credit Bureaus have failed to send me copies of documents to support their claims. I am now submitting this CFPB complaint to order the Credit Bureuas to remove the disputed items completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following items deleted immediately : 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
Product: Mortgage

Interlinc Mortgage ( Loan Originator : XXXX XXXX XXXX ) and XXXX  -XXXX  XXXX ( XXXX XXXX ). 
Was interested in a home with XXXX because they were providing some incentives, last minute they insisted that the incentives were based on my use of a preferred lender. I paid Earnest money- {$3000.00} ( XX/XX/XXXX ), applied for pre-approval with XXXX Interlinc ( XX/XX/XXXX ), Got a pre-approval with so many fees and unrealistic ( for me ) built into it and more importantly did not include the discounts/incentive that I was expecting : they tried to explain this away and I was going with it " unhappily '' but found that I couldn't get another regular 401k Loan as planned ( I had 2 ). I explained this and XXXX comes back with a program that Interlinc is about to roll out on the XXXX of XXXX that will cover the downpayment and be forgivable only after 10 years. I declined for 3 reasons 1. ) 10 yrs is a lot of time for us to not be able to move/sell/refi if needed and 2. ) This program is yet to start, but she and XXXX of XXXX XXXX are insisting that I sign Disclosures based on the " coming soon '' despite that we can not lock down any rates/pricing until the XXXX ( cos she will be trained ) 3. ) We are due to notify the current landlord of our intent to vacate or renew, the XXXX of XXXX puts us outside of the time needed to notify, and also for us to make decisions that will impact our life, kids, and work. 
I was depending on the incentives and discounts to cover most of the closing and other costs-however the incentives turned out to be charged and not the dollar amounts as well as an increase in the loan amount. 
As of today, I only have a pre-approval and can't wait until the XXXX to know what it's going to be. I requested they refund my Earnest money and They are insisting that I request a hardship loan against my wish on my 401k, my future! There is no underwritten approval because I did not sign the Disclosures since it was based on an upcoming program that she does not have any definite information about except for dates. XXXX XXXX XXXX is also threatening to put the house back on the market for which I paid Earnest Money.
Product: Credit card

I applied for a Walmart credit card back in XXXX of 2016. On XXXX XXXX I received my card and went to view my account and register my card. I found my card has been used and I have no available credit. I called and reported fraud and they told me they ca n't do anything for 60 days. I said your telling me I just received my new card and because somebody already used it I ca n't use my card. They said yes, you have to wait the 60 days.