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

After opening an auto loan with Truist I received a promotion to open a banking account with them using promo code " XXXX '' and after two direct deposits within 90 days a {$300.00} incentive would be added to the account. The account was created, with the promotion website showing the enrollment date as XX/XX/2022, after which two direct deposits were made XX/XX/2022 and XX/XX/2022 before the 90 days since the enrollment date shown. However, on XX/XX/2022 I received an email notifying me that the promotion had not been met and I would not be awarded the incentive. I called the number provided, to which they could not provide me with any assistance nor insight as to why it was denied, instead they were directing me to a branch which is nearly 300 miles away. After that I received a contact form of which I provided information to and requested clarification, of which I received no reply. Today, I contacted customer service again, of which the first representative attempted to play XXXX about the offer details, at first continously misinterpreting the promotion, claiming different deposit amounts, then using a points system, then bring in the auto loan. After repeating the information five times, then he proceeded to content that only one deposit had been made despite my online banking showing all the deposits made. Finally, he then said the offer was qualified but could provide no proof or documentation, and that I would just have to wait 8 weeks to receive the incentive, but if I didn't I would need to call again and restart with customer service or I could visit the branch 300 miles away. After continously asking for documentation I was referred to a supervisor of which then I was informed that the enrollment date had been changed to be XX/XX/2022 and because of which my deposit on XX/XX/2022 conveniently did not qualify, but then she escalated for support but could not provide documentation because they did not have email. I have since tried a XXXX XXXX XXXX  complaint and attempted to contact the company through phone and email all of which have gone unanswered or not replied too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert that a hard inquiry was made on my credit by Cedars Business Services ( XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ). I called the company and they stated the wrong month for my date of birth then told me because of that they could not provide me with any information. They said they would investigate and call me back, which they never did. I never gave this company permission to pull my credit. I have requested they remove the inquiry but they only stated they can not give me further information.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I 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 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. This account was deleted, how could they update something as factual and investigate something in XXXX when it say it was last reported XX/XX/XXXX on my credit report. Please see attachments below the account was also deleted but still reporting.
Product: Mortgage

In XX/XX/XXXX we applied for a mortgage with Wells Fargo Mortgage while not needing funding until house completion scheduled for six months later but wanted to lock in a good rate fearing an increase while waiting. Wells Fargo recommended 'XXXX XXXX ' which called for a minimum loan amount of {$400000.00}. and payment of an upfront fee of 1.25 % ( {$4200.00}. ) to lock rate for up to 12 months. The only stated reasons for a refund of this fee were failure to qualify or failure to appraise. We paid the fee, qualified for the loan, and the unbuilt house appraised but in XX/XX/XXXX the contractor decided to cancel construction and refunded our deposit. Wells Fargo Mortgage considered our request for a refund of {$4200.00}. for many months ( until XX/XX/XXXX ) and then informed us that no refund would be approved saying that our money had gone to a third party to purchase rate protection and could not be recouped from said third party.
Product: Credit reporting or other personal consumer reports

THESE ARE GIVING ME STRESS THESE ARE NOT CORRECT I WAS NEVER LATE IN TERMS OF PAYMENT IN THESE ACCOUNTS XXXX XXXX XXXX XXXXXXXX {$580.00}
Product: Money transfer, virtual currency, or money service

I have had several instances on Cashapp where I was scammed and the company never did any proper investigation into my claims or returned my stolen funds.
Product: Credit card or prepaid card

The amazon credit card, Synchrony Bank, site failed to indicate a prior payment on the credit card balance allowing an over-payment of over {$2000.00} on Friday XX/XX/2021. I called on Monday XX/XX/XXXX and spoke to their customer support requesting a refund of the over-payment. I was told they would only issue a check and I insisted that I didn't want a check coming to my address and wanted a credit back to my bank. A supervisor instructed me to FAX in a screenshot of my bank register showing the transaction. I indicated that it was showing processing and he told me it was fine, just fax it to them at XXXX XXXX XXXX XXXX. I had to sign up for an online fax service to send them the fax because they wouldn't accept an email. I tried calling to verify they received the fax and was told it was being processed. The next day I received a call stating that they needed a copy showing the transaction was processed. After explaining that I was told what I sent was acceptable they insisted on a new screenshot showing it processed even though the EFT has cleared on their side. I sent another screen shot showing the cleared transaction on the register and again had to call to verify that they received it. After calling again on Wednesday XX/XX/XXXX and being hung up on and having to call back ; I spoke to a supervisor, XXXX ID : XXXX, and was now being told I have to submit yet another screenshot showing my bank account balance with the funds removed. They have NO knowledge of the balance prior to the transaction nor did they request it in either of the prior two requests. I insisted that I followed their requests twice now and that the EFT has been complete on both sides and is now over 5 days since the EFT but was denied the credit back to the account once again. They have now delayed returning the funds as requested and following their request twice for information. They are refusing to refund the over-payment without the new screenshot that I feel is unnecessary as they continue to delay the refund.
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney.
Product: Checking or savings account

Tried to close an account, banker kicked me off the chat for saying the bank XXXX. Thus the banker punished me for trying to close the account and I now I have to spend more time trying to close this account. Below is the chat that is timestamped from HSBC. 

XXXX - XXXX XXXX  Close the account Now ASAP I want the money transferred to a savings account Your bank XXXX XXXX - XXXX XXXX  Since your inappropriate language/comments are continuing after being asked to refrain from doing so, I will be ending this chat. 
Conversation closed by the agent - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer credit card account with capital one has reported a late payment on. I have called Capital one to confirm that the payment was indeed not late and this information is reported inaccurately. 

Please remove the late payment from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted multiple letters about the 90 day late notice on my report thats incorrect from XXXX XXXX. Attached is a bank statement showing I made my auto payments every month and I never missed a single payment. I appreciate XXXX for approving me for a auto loan and even though I went through a bankruptcy that this vehicle was included in I never misseda single car payment even after that and paid this vehicle off in full.
Product: Debt collection

I am getting numerous calls from Midland credit almost every day since XXXX from different numbers on my cell phone. I have not answered the calls and they never leave a voice message, The reason I know it is this company is because it comes up when I XXXX the numbers that have called. These are the numbers that have called XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB has been filed to request pursuant to FCRA & 605B ( 15 U.S.C. & 1681 c-2 ) that you, the XXXX XXXX  XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal XXXX XXXX  XXXX account opened XX/XX/XXXX, and XXXX XXXX  XX/XX/XXXX account opened XX/XX/XXXXXXXX XXXX XXXX and opened account XXXX  XX/XX/XXXX account opened XXXX XXXX XXXX XX/XX/XXXX and account XXXX XXXX XXXXXX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent report. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I urge you to rectify the inaccurate information on my credit report by promptly removing the fraudulent details mentioned. The listed home addresses are not mine, and I request immediate correction, emphasizing my accurate address at XXXX XXXX XXXX XXXX, NY XXXX. Thank you for your prompt attention to this matter. XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX.
Product: Debt collection

I sent a letter requesting validation under the FDCPA of an unrecognized collection account regarding a XXXX bill I do not owe. IC Systems ( the collection agency reporting the account ) never responded to my validation request as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these accounts have violated my rights 15 U.S.C 1681 section 602 states I have the right to privacy also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX Bank # XXXXXXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It  May  Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by :  1 .    XXXX   XXXX   XXXX    -- Unauthorized Credit Inquiry ON DATE :   XX/XX/XXXX  2 .  XXXX   XXXX  -- Unauthorized Credit Inquiry ON DATE :  XX/XX/XXXX  ,   XX/XX/XXXX      3.  XX/XX/XXXX  -- Unauthorized Credit Inquiry ON Date   XX/XX/XXXX  4.  XXXX  - - Unauthorized Credit Inquiry ON Date XX/XX/XXXX   5.    XX/XX/XXXX   -- Unauthorized Credit Inquiry ON Date   XX/XX/XXXX   6. TOTAL MERCHANT SERVICE -- Unauthorized Credit Inquiry ON Date XX/XX/XXXX  I DID NOT AUTHORIZE THESE inquiries from these company, that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit.  <P/> I have sent this letter certified mail to all credit bureaus and also have sent them to the reporting company and they refuse to remove these unauthorized inquiries. I need your prompt response to this issue. Please be so kind as to forward me all documentation that youve had the unauthorized inquiry removed.  <P/> If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary.  <P/> Thank you,  XXXX   XXXX   XXXX
Product: Credit card or prepaid card

On XX/XX/20 I logged into my discover account to find the credit limit on both of my credit cards severally reduced ( over 60 % on one and over 75 % on the other ) with no notice or explanation given prior to contacting the creditor. When I did contact them they stated talking points " from to time we review credit worthiness '' ( and so on ) but ultimately it was due to a collection account that was placed on my record ( which has been disputed ). I have never missed a payment on my discover cards or any of my credit cards/loan payments. I have a flawless payment history yet when a credit agency that is known for deceptive practices places an inaccurate and/or fraudelent record on my account they jump ship like snake oil salesmen after a town is bled dry. 

The detrimental impact is the following : My credit report will now show that a creditor reduced by available credit, if I try and get another credit card it will impact my overall credit rating, and I had XXXX presents for family members already pre-ordered with those cards that can no longer be purchased due to being sold out completely ( one of  the gifts was for an XXXX  servicemen who is currently XXXX  ). 

It's unfortunate that during a global epidemic that this company not only took these actions, but took them against a customer who did nothing wrong ( again, no late payments of any kind ) and their customer service and account specialty department did not care whatsoever.
Product: Debt collection

I am writing to file a formal complaint regarding repeated phone calls from a debt collector during my XXXX to the XXXX theater. These calls have occurred multiple times during the night and early morning hours, significantly disrupting my sleep schedule. 

Dates of the calls : The calls typically occurred from XX/XX/XXXX to XX/XX/XXXX, often between XXXX XXXX  and XXXX XXXX  local time. 
Impact on my sleep : Due to the time zone difference, these calls were particularly disruptive to my rest. I was repeatedly awoken, leading to a lack of adequate sleep necessary for my duties. 
Consequences : As a result of these disturbances, I have been late for work on several occasions. This not only affects my performance but also impacts my overall mental and physical health during a critical time in my XXXX. 
I have attempted to inform the debt collector that I am currently serving overseas and requested that they cease calling during these hours. However, my requests have not been respected, and the calls continued.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This is very upsetting, It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had XXXX  effects on both my financial prospects and my XXXX well-being but my requests and complaints kept getting ignored or disregarded which furthers the XXXX  impact on both my life and my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX SS # XXXX Experian : Dispute of inaccurate information on Credit Report ; Dear Sir/Madam , I'm writing in regard to multiple inaccurate information on my credit report, as prepared by your agency. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information, in which you are required to correct or remove all erroneous data. 
I have enclosed copies of the inaccurate accounts, with circled inaccursies, I ask that these accounts be removed as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Experian XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Closed Monthly Payment : {$0.00} {$0.00} {$58.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Balance : {$3700.00} {$3700.00} {$3700.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$3700.00} {$0.00} {$3500.00} Credit Limit : {$3500.00} {$3500.00} {$0.00} Past Due : {$3700.00} {$3700.00} {$390.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Late 120 Days Last Reported : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Comments : Charged off as bad debt Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees. 
Unpaid balance reported as a loss by the credit grantor. 
Accounts closed by credit grantor Credit card Date Last Active : XX/XX/XXXXXXXX  XX/XX/XXXXXXXX XXXXXX/XX/XXXX Date of Last Payment : XX/XX/XXXXXXXX XXXXXX/XX/XXXX XX/XX/XXXX Two-Year payment history Legend Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

On XX/XX/XXXX I received funds that allowed me to pay off my credit with PayPal which was {$650.00} at that time. However, I paid for an additional purchase ( {$70.00} ) on XX/XX/XXXX after paying off my credit on XX/XX/XXXX. On that day ( XX/XX/XXXX ) I had another payment of {$620.00} scheduled for the XXXX by complete accident, assuming the higher amount ( {$650.00} ) would overwrite it. It did not and I ended up overpaying when I should've just added an additional {$30.00} to the payment. I paid off my credit with PayPal, but their system showed I was " + {$620.00} '', over the credit line. It was refunded to my bank when I called and told them that I sent that additional payment by accident, but then they tried to take it out of my bank themselves on XX/XX/XXXX. That money was never meant to go to my credit with it being fully paid off and at XXXX, and after my bank refused that attempt, they put the money onto my credit and are wanting me to pay them what they returned to me. I have not purchased anything of that amount, and it was stated that apparently the reason why they refuse to remove that invalid amount is because " it was my bank 's fault and they shouldn't have canceled it '', making it seem like I owed them {$620.00} when my credit was fully paid off ( with the single other payment of {$70.00} ). If I had known that overpaying would cause this chaotic situation, I would've never sent the {$620.00} in addition to the {$650.00}, and would've just send an additional {$30.00} instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Transunion in reference to a bankruptcy case that was filed not of my doing after being told that they received their information from XXXX I contacted them and they did an investigation and sent me a letter stating it was removed from their system, again contacted Transunion and provided a copy of the letter from XXXX with whom they said they were verifying information with. Transunion went further to say the letter from XXXX wasnt sufficient for them and although the date of birth nor was the address where filed mine they say they contacted XXXX and put in the case number so it was mine. I asked that they provide and was told they didnt have to and to quit disputing it and wait until XXXX when it will fall off, I was told its not that long and even if I disputed it again it would be considered frivolous and they would not have to investigate it. Which I thought that goes against the fair credit act and that they are not investigating it. When I contacted the bankruptcy court I was told they dont provide information to any credit bureaus so if thats so how is a third party not hearsay, because if they were not there or have first hand knowledge how can it be accurate?
Product: Debt collection

on XXXX XXXX2015 i was contacted by XXXX XXXX XXXX they try to get me to pay a collection of {$980.00}