23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received a promo offer from XXXX Bread Cashback credit card by mail ( USPS ) that included a {$200.00} sign up bonus ( SUB ) after spending {$1000.00} in 90 days. Apparently, this card is managed by Commenity and run on the XXXX platform? I applied for the card in XXXX, and met the spend level on XX/XX/XXXX. When the SUB did not post on the next statement, I contacted the company via message on their website to ask when I should expect to receive the SUB. On XX/XX/year>, I was received a response that said the bonus may take " up to XXXX billing cycles to be added. '' When I did not receive the bonus by the next statement, I reached out by message again. They responded asking me to call and gave me a phone number. I called the number on Saturday, XX/XX/XXXX and was promised the {$200.00} Sign up bonus would be added to my rewards account " by the end of the month. '' On XX/XX/XXXX, I called again to inquire about the signup bonus I had STILL not yet received. I was told " someone is working on it. '' I have been more than patient enough as this company has given me the run-around and false promise after false promise. I will attached original paperwork to this report, as well as correspondence I've had via the message app on their website. 
This credit card company needs to honor the SUB offer and post {$200.00} to my rewards balance. At this point, I believe there should also be a punitive reward to compensate for the time, frustration, lies, and hit to my credit score, as I never would have opened this credit card if I knew they were going to refuse to honor the SUB.
Product: Debt collection

Repeated robocalls left on my voice mail on XX/XX/XXXX & XX/XX/XXXX & XXXX & XXXX. 
There has been no contact at any time by any creditor concerning any debt owed. 
There has been no contact with the debt collection company other than the repeated robocalls. The robocalls do not identify the debt, the debtor or the creditor. 

The following is the repeated robocall message left on my voice mail which I consider harassment. 

" This is an important message from Pioneer Credit Recovery. The law requires that we notify you that this is a debt collection company. This is an attempt to collect a debt and any information obtained will be used for that purpose. Call us back today at XXXX. ''
Product: Debt collection

Paid off credit card and closed company XXXX XXXX XX/XX/XXXX On XX/XX/XXXX lvnv funding  reported on my credit debt owed by original creditor XXXX  XXXX. 

This is a fraudulent attempt to collect a dept not owed. Disputed with credit bureaus.
Product: Money transfer, virtual currency, or money service

There was no money taken because there is no way Id place my money in there I went to apply for chime and they opened a account with just my word of my name and social security number never asked me to verify it or anything therefore anyone in the world all they need is my name address and social security number and they can open an acct and could potentially be used and destroy someones credit and they could also have illegal funds deposited and used on illegal purchases and transfers that could potentially cause me to be in serious trouble I think chime definitely needs to be investigated because anyone in the world could use someone elses name to do illegal activity and potentially ruin their credit with no proof of identity all is required is name address and a social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

When applying for something in my name in XXXX i got denied. When I was provided a copy of my credit report, i saw things on there that were inaccurate. I sent letters to the credit bureaus back in XXXX and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response from them. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter. 

They are not in compliance and I want/need this issue resolved asap. 
Things on my credit report needs some action taken behind it.
Product: Mortgage

XX/XX/XXXX We entered a 60 day escrow ( closing date to be XX/XX/XXXX ) XX/XX/XXXX Completed mortgage application ( jumbo loan ) XX/XX/XXXX Loan Officer Income review completed & contract received XX/XX/XXXX First round of documents requested and uploaded ( in between lots of emails received requesting documents and over 100 documents uploaded ) XXXX Received email " Final items for clear to close '' ( in between MULTIPLE emails requesting MORE documents than the " final items '' originally listed ) XXXX ( final business day before supposed to close ) ; more documents requested and notified that " investor '' requiring an additional $ XXXX in cash reserves, but can't take it out of our business account. " We are XXXX short. can this be gifted to you by a relative? " ; We advised we would sell $ XXXX in stock and asked to run bonuses through company to appease the investor. We were instructed to do it - because of the $ transfer process, we advised that this would take us an additional 3 days past closing date. 
XX/XX/XXXX - 60 DAY CLOSING DATE ( comes and goes ) XX/XX/XXXX we were advised that investor " did not accept '' our reserves and was declining our loan. They advised that they had another investor they could go to, but would need until XX/XX/XXXX to close. 

We contacted our bank and the loan closed in 6 business days. We do not need resolution from Fairway. We have bought and sold many properties involving jumbo loans and believe that this company is not experienced enough in jumbo loans to properly service them.
Product: Money transfer, virtual currency, or money service

XXXX of XX/XX/2022 PayPal permanently limited my account and will not let me get it back, refunded people I already sent out items to and isnt being helpful at all in letting me try to fix it
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Unauthorized Inquiries : 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 XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the following inquiry XXXX XXXX Inquiry from XX/XX/2018. Please investigate to ensure there is no fraudulent activity.
Product: Student loan

I attended a XXXX XXXX XXXX university from XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. My dad was the breadwinner of my family, and he took out loans as my cosigner from Sallie Mae. I was the first child to go to college. 
1. He used the " loan amount calculator '' that their platform provided, which was supposed to generate a recommended loan amount based off of my specific university that I entered in, and then he used that number to then take out my loans. The calculator was absolute XXXX, and the number it provided us was {$7000.00} MORE than what tuition at my university costs. 
2. My dad then died, very unexpectedly and tragically, in the middle of my college career on XX/XX/2020. I sent Sallie Mae his death certificate, and spent literally TWO HOURS on the phone, during my work day, to try and reach a live person somewhere to help me figure out what my next steps were, only to learn that SALLIE MAE EXPECTS SOMEONE WHO COULD ONLY TAKE OUT A LOAN WITH A COSIGNER, TO COMPLETELY REPAY, IN FULL, ON A NORMAL TIME SCHEDULE, THE TOTAL AMOUNT ALONE IF THEIR COSIGNER DIES. Although I can not take out a {$5000.00} loan in my name, at XXXX XXXX XXXX I am expected to pay back over {$50000.00} in loans with no protocol, no exceptions, and no forgiveness. Not only have I had to endure the horrendous loss of the most important person in my life, but now I am fighting for my own life as well against a company that is nameless, faceless, and an absolute scam. It is predatory, it is abusive, and at the end of the day, I am at a loss as to how they are still legally allowed to operate in the US. I will not rest until I, and other college students around the country, are given justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$570.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I.M FILING A COMPLAINT BETWEEN XXXX XXXX XXXX XXXX, AND EXPERIAN. XXXX XXXX XXXX IS REPORTING I HAVE AN OBLIGATION TO PAY THEM {$3300.00}. THIS CONTRACT WAS CANCELLED I HAVE NO CONTRACT WITH XXXX XXXX XXXX. I HAVE ASKED XXXX XXXX FOR VERIFACTION OF A CONTRACT WITH MY SIGNATURE AND THEY PROVIDED A COPY OF THE TIME I ATTEND XXXX XXXX. I HAVE WRITTEN XXXX XXXX ON SEVERAL OCASSION DISPUTING THIS DEBT AND THE NEGATIVE INFORMATION THEY REPORT TO MY CREDIT FILE. FCRA SECTION 623 AND FDCPA SECTION807 ( 8 ) WHICH STATE THAT XXXX XXXX XXXX HAS A DUTY TO REPORT TO THE BUREAU THAT THE ACCOUNT IS BEING DISPUTED.
Product: Checking or savings account

M & t bank closed my account on XX/XX/2020 and my check went in on XX/XX/2020. They had a creditor keep harassing me about paying the entire amount when I didnt need to.
Product: Student loan

My loan was suppose to be fixed rate. I consolidated my loans with XXXX XXXX which sold to XXXX. its been XXXX since then them changing my payment plans, when the loan is finally paid off. Originally my paperwork states XXXX. Last time tho last year they sent out indefinite will increase for as long as they gather interest rate. The variable changes greatly as I pad XXXX a month roughly and only XXXX goes to principal and its been that way since it was transferred but was bad even before and I have been paying it it since XXXX. XXXX  years almost XXXX and its only gone down XXXX dollars, it was XXXX k something XXXX roughly XXXX and now its XXXX. I have another school loan that was predatory from XXXX that I finally had enough and am paying back at XXXX a month which will be completed in XXXX. I cant afford much more with this company and they wont work with me and play games. 

I am a normal hard working person who has been been late or missed a payment. This is so predatory. almost XXXX years of XXXX year original loan I took out and its only gone down XXXX? on top of that they went from XXXX to now .... XXXX???????? How is this possible I never signed anything stating they can do that nor was I told about it when I was XXXX living with family and desperately trying to afford college. In which case my degree from XXXX was obsolete ( print design ) by the time I graduated. So Im stuck here. HELP
Product: Debt collection

I XXXX XXXX entered into a consumer transaction with Discover. There was a Finance Charge included in this transaction. Discover violated my consumer rights by coercing me into making cash payments when the Finance Charge is the sum of all charges. Discover did not disclose my right to rescind. This is a violation of my Federal Consumer Rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing various accounts with your bureau and to this day I have not received answers on why or how these accounts remain on my credit report. Your agency has continued to allow reporting on invalidated information. I have continued to dispute these claims multiple times and all I have seen is the accounts being updated or verified. How are these accounts being verified? Who is verifying this information? What documents do you have to support these claims? I have yet to receive an original contract with my signature from any of these accounts so how is this being tied to me? How are they verifying this information as accurate with you? This has been detrimental to my credit report and I am seeking legal counsel. Please prove to me how you are validating the below accounts. If you are unable to prove that these accounts belong to me then I ask that you remove the accounts from my credit report. Please provide me proof that you have the contracts proving these are mine. If not, please remove it. 

- XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX/XXXX XXXX - XXXX/XXXX XXXX - XXXX/XXXX - XXXX XXXX/XXXX
Product: Debt collection

Jefferson Capital Systems LLC. and Attorney XXXX XXXX took action for wage garnishment execution via the CT Superior Court on the wrong individual- different name, social, and DOB . Pure negligence to ensure correct information for debtor resulting in wrongful wage garnishment actions against the individual - including sending a XXXX to the wrongfully accused individual 's employer and disclosing debtors personal information to persons other than the debtor or debtor employer. Due to such negligence, CT superior court signed and approved wage garnishments for individuals other than debtors, causing emotional distress to wrongfully accused individuals, debtors, and wrongfully accused individual and debtors family/family income. When trying to contact XXXX XXXX XXXX via phone call, they stated no one was available to speak to me despite being within business hours displayed on the website ( XXXX XXXX XXXX XXXX XXXX ) called XXXX XXXX XXXX  Wrongfully accused received information on debtor via phone call and employer due to XXXX XXXXXXXX disclosing debtor 's personal information. 

Called XXXX today to offer a partial payment amount in return they remove the wrongfully garnished individual 's employer from the court and they denied due to their 10 % fee they charge. Due to XXXX ' lack of due diligence before filing and executing a legal court document, my personal credit information has now been disclosed to CT XXXX XXXX, XXXX XXXX without my permission. XXXX is now in extreme emotional distress and embarrassment of her job of over 20 years. It has now been XXXX XXXX with no attempt at resolution from XXXX XXXX 

XXXX XXXX XXXX, XXXX CT license number : XXXX XXXX XXXX, CT XXXX. XXXX House - XXXX XXXX XXXX XXXX XXXX, CT XXXX Docket # XXXX XXXX XXXX XXXX XXXX Supervisor XXXX XXXX XXXX P ) XXXX ^ Tried to contact - Claimed closed business hours via gentleman on above phone line who would not share his name or association with said company Phone ( Listed Via CT Judicial ) : XXXX Email : XXXX Website : XXXX XXXX wage garnishment +Falsified court documents which included individual not debtor - Wrong name, social security, DOB, and middle initial +Emotional distress to wrongfully accused individual and debtor. Created emotional, financial distress within the family. 
+Under FCPA creditor disclosed personal information about debtor CT superior court wrongfully signed off on wage execution against a person other than the debtor Attorney has yet to get back to us - XXXX XXXX XXXX XXXX EXT XXXX XXXX # XXXX
Product: Mortgage

To whom it maXXXX concern my name is XXXX XXXX I have a mortgage with United Bank we have gotten behind 4 months due to illness in the family the total amount is somewhere in the {$8000.00} range I sent XXXX in the balance is XXXX which they want paid by the end of the month I believe I can do that by borrowing etcetera however in doing a little investigation I find that I can't even sue the bank that Mr XXXX signed a law in saying that the bank is held harmless for anything it does so since they have Deep Pockets and the government has no teeth I really think you should represent The truth to people the bank 's win poor get poorer what I will be doing since I'm a small business owner struggling to survive is laying off employees so that I can make the payment and then those employees can go on the government Dole as you can see the system is crazy I guess I'm not asking for any help because you can't offer any what I'm hoping is that you would tell people that so that you don't instill false hope in people who can't come up with the money if they absolutely have to when their loved ones are sick my goal is just to get that information out do people who think they have rights where a bank is concerned big money has Wright 's small people don't simple as that we better start accepting that But now I see why the XXXX  are taking over the Congress they've had enough
Product: Credit card or prepaid card

I have spent countless hours on the phone and online attempting to make payments on my multiple Comenity Bank credit cards. Problem never gets resolved.
Product: Checking or savings account

Chase Bank has frozen my checking account. They detected fraud and have not allowed me to access my funds. I have been locked out online and after a visit to the branch, I have been told it will take 2 weeks to 2 months to retrieve my funds. The branch says these is all being handled by a special fraud department and the local people have no information. No indication of how the fraud happened ie. ATM, electronic or whatever. I am treated the fraud not the victim or the customer. My account was closed around XX/XX/2023. I have several automate deposits that have gone into the account since that date. I had roughly {$4000.00} in the account. Iam a XXXX-year-old XXXX  suffering from several medical conditions including XXXX and XXXX and XXXX XXXX XXXXXXXX XXXX. I have had to scramble to pay my bills using other credit cards and borrowing money from friends. I have visited the bank and called them but as in the aricle below and the fraud department talks to no one. I thought the job of the bank was to protect its customers. I this case I am being held hostage. I certainly did not take my own money but I am being treated like I am a fraudster. However I am the victim. 
I just read the attached article and say ditto. 
https : //XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I think i had some identity theft on my credit report. I lost my credit cards in 2016.
Product: Credit card

The company stated they sent a mailed letter that if the credit card wasnt used by XX/XX/year> time frame the account would be closed, however I asked for email or text correspondence as our mail in this rural area gets lost or stolen quite often. I never received this letter so I never knew I had a certain date I had to use this account, so the account was closed and my credit went down and I lost one of my longest accounts on my credit, and now if I try and re apply itll make my credit go down even further, in XXXX they really could only send it through snail mail and ONLY give one warning? No email? No text? This was a paid off card I was trying to lower my debt, and had asked multiple times from the company if they would give me a transfer debt to card deal so I could use it again, they said no, so they werent letting me use it even though I have a great line of credit and great repayment history through them. I was a loyal customer and never missed a payment.
Product: Mortgage

There are patterns for the Roundpoint Mortgage Service CORP to charge the customer whatever they want and whenever they want to, without disclosure or knowledge of the customer. There is a {$15.00} fee never disclosed to me, after I have found it, I requested it many times for the reasons. no one would be able to tell me what is it and never send me the detail as they promised. Just charge it anyway and rolled it up to loan modification. Finally, a lady said it was the home occupancy inspection on XX/XX/2021. That is XXXX because I was asking to exit forbearance starting in XXXX of XXXX calling them every week.
Product: Student loan

Im in the XXXX XXXX XXXX XXXX. My loans are with XXXX  and I just received a letter from Nelnet saying I owe an additional {$50000.00}. I only owe $ XXXX for my XXXX university loans, and those loans are being discharged. I do not owe {$120000.00} total for student loans. I have never received anything from Nelnet before regarding student loans. I never heard of Nelnet and I received a letter on XX/XX/24 from them regarding this. This is not correct. First, Im in the lawsuit, my loans are on forbearance and I dont have to pay anything but Nelnet is demanding money. 2nd, Nelnet is not my loan servicer. I called my loan servicer which is edfinancial and they confirmed that I only owe {$70000.00}. I called edfinancial today XX/XX/24. They dont know why Nelnet is saying I owe them. We both are clueless regarding this.
Product: Debt collection

In mid 2019 I became aware that midland funding was trying to collect a debt from me in the amount of {$3200.00}, however the debt is a result of identity theft and I sent them a debt validation letter and tried disputing the debt with them as soon as I was aware of it. I have also filed a police report regarding the identity theft/debt and have provided a copy to them. Midland Funding is currently trying to sue me in court for the full amount of {$3200.00} plus court costs. They have reported these fraud debts to the credit bureaus and they remain the only negative item on my credit reports, because I've always paid my credit cards in full every month for as long as I've had credit cards. This has stopped me from being able to purchase a home and has been negatively affecting my life. I have tried speaking to them and they continue to try collecting on this fraud debt and refuse to remove these lies from my credit report. They have not even provided me with a copy of the original contract when I requested it, and the only thing they can show me is some statements with a wrong address. I wouldn't be surprised if they were the ones who opened a fraud debt in my name and this is all part of some huge legal scam. I will be speaking with an attorney to see if I can counter sue for anything and everything if they do not dismiss this lawsuit.