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

I opened a new checking account wi th Wells Fargo  on  XXXX   XXXX    XXXX  . They had a promotion going on which was if you deposit money into your account and make  10 different tr ansactions that you will receive {$250.00}. It says you should recieve the money before 45 days, no later. I 've met all the requirements and have n't recieved anything. I went to the branch where I live and they said that the offer expired, which they were right it did expire but not until  XXXX   XXXX , I already met the requirements before then. My husband opened up his account and did all the requirements when I did and he already recieved hu sband 2 weeks ago. I called customer service and they told me I would be recieving the money that day, that was 2 weeks ago. I 've tried calling again to let them know I have n't revived anything and th ey told me I was n't eligible. So now I 'm confused on if I 'm getting lied to or if they do n't have the funds. I met every requirement, so I 'm confused as how I 'm not eligible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXXXX PA XXXX XXXX REINVESTIGATION Be Advised : The following accounts are coded incorrectly per XXXX XXXX  Guidelines. 
These are both Retail installment loans, not AUTO LOANS They should be coded as such and as XXXX not XXXX You are reporting these accounts as late instead of billing errors with the error in coding which is causing my score to suffer by more than 200 points. 

You have 15 days to UPDATE your errors per XXXX XXXX Guidelines XXXX XXXX XXXX Ready to SUE, XXXX XXXX
Product: Debt collection

Beginning on or about XXXX XXXX, XXXX, Ive been getting frequent and annoying emails from XXXX XXXX of XXXX XXXX on behalf of XXXX XXXX XXXX XXXX concerning an amount of {$150.00} I allegedly owe to the now-defunct Sprint phone XXXX. The amount dates back to XXXX. 

I believe I did have XXXX back them but I didnt owe them any money at all. Until XXXX or XXXX, I had a flip phone. I subscribed to the phone plan with the lowest fee as I do not talk on the phone or text very much. To hear I owe {$150.00} to XXXX, which was bought out by XXXX in XXXX, is absolutely astonishing. There were simply no circumstances under which I would have racked up such a large amount to a phone company. 

What I believe is going on is that during the acquisition in XXXX, XXXX bought XXXX debt. XXXX inflated the debt. It used innocent people like me, fabricating alleged charges they owed. 

Id like to know how, since XXXX, I was able to switch my phone service several times, keeping the same phone number. So far as I know, phone companies do not let you sign up if you still owe money to another phone company. And they certainly do not let you keep your old number. 

I have not contacted True Accord, which is bombarding me with demands practically every day. I dont want them to have my XXXX XXXX address or email address or phone. That is information they require. 

No proof of my owing {$150.00} to XXXX was given to me by XXXX XXXX. 

I made phone calls when I was with XXXX that were within the confines of the monthly plan I signed up for, which was the cheapest plan since I have low phone usage. If True Accord is doing this to me I am elderly, not a teen whos on the phone all day or someone who calls foreign countries regularly they are also doing it to others. I simply refuse to cough up a large amount of money to a greedy corporation and its henchmen who are fabricating stories about my nonexistent overuse of my phone XXXX or more years ago.
Product: Debt collection

COLLECTOR CALLED FAMILY MEMBERS AND OTHERS INN VIOLATION OF T.C.P.A. ( 3 DOCUMENTED CALLS ).
Product: Checking or savings account

On XX/XX/XXXX, I opened a Regions LifeGreen Checking account in-branch after receiving a {$400.00} offer in the mail. The offer required completing certain activities to receive the bonus, including XXXX debit card transactions and enrolling in online statements, which I did. According to Regions, they tried depositing the {$400.00} bonus on XX/XX/XXXX and the account was considered to be in a " soft-close '' status because it had a {$0.00} balance (? ) so the {$400.00} bonus payment wasn't completed, even though I have a recurring deposit every two weeks. 

I called in about not receiving the offer and confirmed I had completed all other activities except for the account being at a {$0.00} balance at the time they tried depositing the payment, but at no time was I informed that to be considered " in good standing '' the account had to be positive at all times. Regions was unwilling to bend on this " condition '' of theirs which at no time had been relayed as part of the offer, nor had I received any notification about this new " condition '' throughout the 90-day offer period. 

I am asking the CFPB to please step in and have Regions honor the marketing incentive, as it seems disingenuous that their internal " soft-close '' status is what rejected the new account offer, and it was never mentioned that that was a 100 % requirement to actually RECEIVE the bonus after having completed all other prerequisite activities.
Product: Credit reporting

Filed Bankruptcy on XX/XX/XXXX decided to close due to large amount being deducted from payroll bi-weekly. Signed to close/dismiss case. I created a plan to pay every creditor and successfully paid every debt in full. I understood the Bankruptcy would be listed for at least 7 years. I request all three reports yearly to view and XXXX does a great job listing how long the debt is expected to remain, XXXX and XXXX XXXX have removed account listing bankruptcy according to 7 year rule. I have been fighting with Equifax and the XXXX Bankruptcy office on removing the file, when I contact the court their response is " We do n't have anything to do with reporting the bankruptcy cases on your file '' contact Equifax and dispute and we will request removal. Now I dispute with Equifax on removing the remaining file item listed showing " Bankruptcy '' and they respond with information has been verified with the court? I have included what is showing on my report for Equifax, no information listed, yet showing a bankruptcy file? Just asking all components be removed. I am uploading the old XXXX sheet showing when the account should have been removed XX/XX/XXXX, I was recently denied opening a XXXX XXXX for a XXXX XXXX Credit Card stating denied for " Bankruptcy '' reported by Equifax. This file is at 10 years old and going on 11years in 6 months. Please help me I have been doing this for almost three years bouncing back and forth. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

In  XXXX    XXXX    Navy Federal Loan Officer ,  XXXX   XXXX , informed my wife and I via email that we would be able to be down the mortgage rate from 5 % to 3.75 % for {$12000.00}. My wife and I set a closing date for the sale of our old house and the purchase of our new house in  XXXX    XXXX  . In  XXXX    XXXX  ,  XXXX  informed us via email the amount to buy down the rate changed from {$12000.00} to {$24000.00}. My wife and I did not have the additional {$12000.00} to buy down the rate. We would lose our deposit of {$5000.00} if we did not go thru with the purchase of the new house so we moved forward and incurred a serious financial hardship by having to incur a monthly mortgage payment we did not plan for as a result of  XXXX   XXXX  lack of honesty/candor. I subsequently reached out to  XXXX   XXXX  manager,  XXXX   XXXX , Loan Operation s Manager, Navy Federal, and sh e has shown an unwillingness to help us refinance our house or provide a mortgage modification.
Product: Student loan

When my loans were sold from  XXXX   XXXX   to Navient, I was  on a 10 year repayment plan.  Navient reset   me on a 20 year repayment plan. When I called to reset it to 10 years, they told me this was not an option for my loan. I will be paying a lot more interest in those  10 extra years.  I did not want to repay over 20 years. They made it difficult to understand why this was the case.
Product: Mortgage

Lender/ Serving Department of loan is not providing mortgage statements since XX/XX/2021 and their representative is constantly giving incorrect information. After emailing more than 20 times and trying to call over the last 3 months I am still getting nowhere with the lender.

1. My payment for XXXX and XX/XX/2021 is showing no payment due in the lender system. 
2. I can not access my XX/XX/2021 and XX/XX/2021 mortgage statements. 
3. I reached out to the lender to get information about my loan balance for no additional information was provided other than showing in the system. 
4. On XX/XX/2021, I received an email from the lender that I have no payment due for XXXX. 
5. On XX/XX/XXXX I received an email from the lender stating my first payment was due XX/XX/XXXX from the same representative. 
6. No-One is calling me back or the lender repentative declined to connect to their manager or supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had student loan debt. My tax returns were offset and when I retired the payments were garnished from my retirement payments and sent to the treasury department for disbursement for loans. In late XXXX I received a payoff letter. currently I have delinquent loans on my credit report however as of today XX/XX/XXXX those loans are listed with XXXX as having {$0.00} balance. XXXX is stating I owe for a loan that XXXX is reporting has {$0.00} balance. Talking to a representative of XXXX  I was told that the loan was probably transferred to XXXX. If so. why is XXXX still reporting on the same loan for the same exact loan type and disbursement date that XXXX is reporting with no balance as of today. Im confused and my credit is bad. The loans are Group ID, s AC and AZ
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX account reporting on XXXX and Equifax that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly with XXXX, XXXX, and Equifax and they have failed to remove it from my credit report.
Product: Credit card

I received a new card from Advant, I closed them a while back, got a new one from them this year. I pay around the 3rd of the month for the 1st of the Billing period which is about a month a head on my payments.I have checked all my statements. Last month I saw they never removed the XXXX after I paid so now they are trying to charge me a late fee of XXXX dollars.They did this the last time so I closed the account.From previous time.I tried to contact them but i just keep getting no such mailing adress.They have hung up on me several times, the supervisor never called back.Emails dont work.Now convenintly the page i use to pay on my bill comes up with a problem and will not go to them.It will if I google it.
Product: Credit card

On XX/XX/year>, I made a cash payment of {$550.00} to my credit card account at the Guest Services desk of my local Target store. I was assured the payment would be credited to my account immediately. As it did not, I was forced to make an alternate payment using my XXXX credit card. It has now been over 90 days and the cash payment has still not been applied to my credit card account. I have attempted to resolve this issue with the store directly. Despite my request, I have not been provided a receipt or any explanation as to why the payment is missing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately. 

2. Misleading false reporting unverified/inaccurate date last active date across the bureau date last payment should report on file XXXX XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately.
Product: Checking or savings account

I have previously submitted a claim to a bank of America for some fraudulent charges made on my account. However, the claim was unresolved. I am submitting an appeal because I have not made those charges and I am not responsible for them. Please reinvestigate this matter.
Product: Checking or savings account

On XX/XX/2018 I submitted a request to close my account. Available balance in my account is XXXX. Everbank, which now XXXX has put a block on my account to prevent it from being closed. I've called customer service several times and got no actual reason as to why I cant close my account.
Product: Checking or savings account

On the day of XXXX XXXX I sent my daughter a amount for {$200.00} and she didnt know how to accept the money and I have been asking for my money back and they are saying that I cant get my money back and now I want to sue them for my money
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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Product: Credit reporting

I have disputed an entry on my credit report with the XXXX major credit bureaus, but the information remains. It is a debt of over {$1000.00} from the collection agency XXXX out of XXXX. The debt they attempted to collect from me was fabricated by a leasing company known as XXXX XXXX out of XXXX, XXXX. I lived at XXXX XXXX for approximately 10 months in XXXX. Due to illegal and dangerous activity on the premise including illegal drug use, frequent verbal and physical fights in the common areas, my family being victims of theft on multiple occasions and a fire arm abandoned and recovered by police near the children 's playground area we moved out in XX/XX/XXXX, breaking our lease several month early. Although the property manager actually was the XXXX to suggest I move out when I brought the above concerns to her attention in XX/XX/XXXX, when we moved out the owner threatened to charge us for breaking our lease ( claiming the property manager did not have the authority to grant us permission to do so ) and when he was unable to collect rent for the months we no longer lived on the premises the company fabricated approximately {$1500.00} of " damages '' they claim the apartment sustained in retaliation for my complaints of illegal activity and for breaking out lease. I have XXXX photos of the condition of every room in the apartment on the day we moved out, including close-ups of the condition of built-in shelves and closets, which show there were no damages to the apartment at all. When my security deposit was withheld, I immediately contacted the owner 's office via phone, explained the situation and provided XXXX photographs of the apartment on the day we moved out showing no damages, ( I provided these via email to XXXX XXXX at XXXXXXXXXXXX ). My email was ignored so I later called and insisted on talking to the owner himself who was very angry and refused to take any action to correct the situation citing that he was still angry that we broke our lease and complained about the dangerous and illegal activities in the complex. XXXX XXXX withheld my {$500.00} security deposit and sold the remaining " debt '' of over {$1000.00} to XXXX XXXX. I informed the collection agency of all these details and was continually harassed on my cell phone, even after requesting they only contact me in writing. These charges from XXXX XXXX and the corresponding debt sold to XXXX XXXX is completely fraudulent. I am filing a concurrent complaint about XXXX XXXX 's debt collection practices and am filing a complaint to the FTC about the leasing company XXXX XXXX. I 'm attaching the XXXX photos of the apartment taken while we were in the process of moving out on our last day at the residence in 2014.
Product: Debt collection

Vanguard financial service has 8nserted this account in my experian report. The original creditor did not properly bill my HSA account. Vanguard will not send original account information like i requested or respond to calls to get this debt taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft victim XXXX XXXX collection XXXX not mine XXXX  XXXX  Not mine XXXX never late due to covid XXXX XXXX  Never late due to covid XXXX  XXXX bank never late
Product: Credit reporting, credit repair services, or other personal consumer reports

Somebody been using my name. Don't know who it is. Don't know who to go to stop this from happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act. Nissan Motor Corporation has violated my rights. Regarding alleged account # XXXX, 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 : Also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable for confidentiality, accuracy, relevancy, and proper utilization of such information. 15 U.S.C. 1681c2 : A Block and remove in 4 days The account was held in the name of XXXX XXXX. I have undergone a name change back to my proper Sur-name : XXXX, XXXX name : XXXX.
Product: Debt collection

I have an existing account of my credit bureau file from XXXX XXXX XXXX. The account number is XXXX Please be advised that I am disputing this collection account due to the fact that XXXX XXXX XXXX does not have a valid license to collect in the state of Michigan.the image I am attaching shows their license is closed meaning not active according to LARA- Michigans department of licensing and regulatory affairs. I am requesting that this be investigated and this account be deleted from my credit profile immediately or provide physical proof XXXX XXXX XXXX is licensed to collect in the state of Michigan.
Product: Credit reporting, credit repair services, or other personal consumer reports

my child personal information have been used without my concern,
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply wit error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

For the last month I have been trying to get my Lien release from Westlake Financial. When I first contacted them they informed me that my insurance ( XXXX ) had my title since they were the ones who paid it off. I was able to get in contact with XXXX and they told me they didn't have the title and they wouldn't be the ones to receive the title. Eventually I was able to do a conference call with a supervisor with XXXX and a representative from Westlake. The representative kept telling us that they had already sent the lien release back in 2018. The supervisor informed the representative they never received it and to send another lien release. They refused to do so. The supervisor from westlake asked to speak to their manager. The representative rudely stated he has no managers and transferred us back to the main menu. I tried many many more times than that to get my title lien release but they kept repeating themselves. Eventually, I was able to get the supervisor from XXXX on the phone with a manager from Westlake. The manager took down my address and claimed they sent it. That was about 2 weeks ago. I called about a week ago to check on the status to see how long till it arrives and they're stating the sent it back in 2018 and didn't send a new one. They're REFUSING to send me my lien release. I never got one in 2018. XXXX never received it in 2018. I have attempted to talk to a manager 5 times since then but I just get put on hold and they never return I get sent back to the main menu again. I JUST WANT MY LIEN RELEASE!!
Product: Credit card

Transunion, and XXXX is reporting a inquiry account for XXXX XXXX They refuse to remove it, they refuse to move it I never heard of this account any account or signed up for anything.