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

On XX/XX/year>, I opened a new Standard Savings account with US Bank. They advertised a {$200.00} bonus offer ( promo code XXXX ) for new accounts opened through XX/XX/XXXX that deposited at least {$15000.00} in new money by XX/XX/XXXX and maintained a minimum account balance of {$15000.00} until XXXXXXXX XXXX XXXX. I met all the requirements for the bonus, but did not receive the funds after XX/XX/XXXX. ( I have attached a document with the terms and conditions. ) On XXXX XXXX, I contacted US Bank via live chat and was told I met the requirements and should receive my bonus on XXXX XXXX. XXXX XXXX came and went with no bonus. On XXXX XXXX, I called US Bank via their customer service phone number and was told they were submitting a research request to determine why my bonus had not been paid. They said I should get an email response in XXXX business days. I have not received a response. 

Please assist me insetting the {$200.00} bonus I was promised.
Product: Credit card or prepaid card

I was contacted by a collection agency stating that I had an account with XXXX XXXX. This is not my account. When they attempted to verify my social security number they realized that my social security number was NOT on this account. I have contacted them about this and have not received any assistance. I never opened this account. The account balance is {$320.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX XXXX XXXX # XXXX, XXXX # XXXX, 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. 

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 an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Ive applied for XXXX assistance and it have been approved and the funds had been sent and I was able to confirm that it has been received from Flagstar. The payments has not been applied. The payments were suppose to be applied for XX/XX/2023 XXXXXX/XX/2023 plus to the escrow owed and then 3 payments going forward and the payment has yet to be applied as listed on the breakdown. Im so stressed. I have XXXX children and I do not want to lose my home.. Everytime I call I get different responses but they all see the funds are still sitting there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently sent Transunion Documents

see Attached

WANT THIS TO BE PROOF OF SENT DOCUMENTS TO TRANSUNION HAVE BEEN PREVIOUS INCIDENTS OF DISCARDING OF SENT DOCUMENTS AND REPORTING NOT RECIEVED OR SOME DAMAGED!!

THIS ARE ALL FRAUDULENT INQUIRES REMOVE IMMEDIATELY OR YOU WILL BE VIOLATING FCRA AND MY PRIVACY RIGHTS. IF XXXX XXXX  OR TRANSUNION HAS MY WRITTEN INSTRUCTIONS OR AUTHORIZATION TO IQUIRE MY CREDIT REPORT SEND TO ME IMMEDIATELY AS PROOF ACCORDING TO THE FCRA IF NOT IT MUST BE DELETED IMMEDIATELY. ANYTHING BEYOND THESE STATED RULES FROM THE FCRA IS UNLAWFUL AND I SHOULD BE REWARDED FOR DAMAGES AND DEFAMATION OF CHARACTER PLEASE DO WHATS FAIR AND EQUITY TO ME AS A CONSUMER.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Obsolete/Incorrect Information in My Credit Report Under 15 USC 1681c and Non-Receipt of Form 1099-C Dear Credit Bureau I am writing to dispute inaccurate and potentially obsolete information that appears on my credit report, in accordance with 15 USC Code 1681c of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the continued reporting of an account that I believe should no longer be included. 

The account details are as follows : Creditor Name : XXXX XXXX  Account Number : Date of Delinquency/Charge-off/Closure : XX/XX/XXXX Nature of Dispute : The debt in question should have been removed due to the passage of the [ seven-year ] reporting limit under 15 USC Code 1681c. Furthermore, I never received a Form 1099-C for the alleged cancellation of debt, which raises questions regarding the validity and status of this account.

Since I did not receive a Form 1099-C, there is no record that this debt was officially canceled or forgiven. This lack of documentation further supports my belief that the information is either obsolete or inaccurate and should not be included in my credit file.

I request that you : 1. Immediately remove the outdated or incorrect account from my credit report.

2. Conduct a thorough investigation to verify the accuracy of this information and determine why a Form 1099-C was not issued.

3. Provide me with written confirmation that the disputed information has been removed or corrected once your investigation is complete.

Under the FCRA, you are required to investigate this matter and correct any inaccuracies or outdated information within 30 days. Please consider this letter a formal dispute. 

I have enclosed a copy of my credit report with the disputed item highlighted, as well as copies of identification documents to verify my identity. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the erroneous information has been removed from my credit report. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4600.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$7000.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

I pre-purchased the car at XXXX XXXX XXXX on XX/XX/2021 and my signed my portion of the documents that day. My cosigner came to the dealership on XX/XX/2021 or XX/XX/2021 to complete their portion of the finance documents. My cosigner was first given someone else 's finance documents to sign then when realizing the issue, they notified the finance person working with them. The correct documents then were signed, and no copy of the finance documents were given to the cosigner. I went to pick-up the car around XX/XX/2021 when it was delivered to the dealership. I only received a one-page document for the registration for the car. I asked for my copy of the finance documents and was told they sent a copy with my cosigner. I left the dealership and contacted my cosigner who confirmed not receiving the documents. I've myself called requesting a copy when I started to get letters wanting to extend my warranty from the same company, I purchased warranty from when financing my car. My cosigner has also called requesting the documents and the person in the finance department was rude and pretty much told us we missed placed them. I made sure they had correct mailing address for cosigner and myself, and I still have not received a copy of my finance documents. I want a copy of my documents to confirm everything is correct.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681 ( s ) -2 states that any payments during XXXX are required to be deferred or XXXX5 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am receiving credit through XXXX XXXX XXXX for the Comenity Bank XXXX account . I am current and have paid all bills related to the account but XXXX has a separate line of credit for the same items but reporting I have NOT PAID MY BILL at all. This reflects an inaccurate tradeline and is damaging my score. I pay my bill and have credit through XXXX XXXX XXXX for XXXX merchandise . I should not have 2 tradelines for the same line of credit. I need the tradeline for Comenity Bank XXXX to reflect the on time/NEVER late payments that XXXX XXXX XXXX has on file on all 3 credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a payoff check to Nissan they received it on XX/XX/XXXX then sometime after lost the check so I had to end up re-issuing them another check which was then cashed and the loan was paid off. I followed everything in the letter that Nissan responded to you guys from an earlier complaint. And then that letter they said to stop payment on the first check and have another check re-issued which I did and they said once that was received and processed that they would fix any mess ups on my credit report which hasnt happened yet because it saying I was 30 days late on XX/XX/22 and 60 days late on XX/XX/22. I have attached the previous response from Nissan to you guys from my earlier complaint, which outlines they would fix my credit report and reimburse me any fees and stuff I encountered from having to re-issue the check. Which they have done none of that.
Product: Credit card or prepaid card

I am main cardholder for Synchrony CareCredit card. My spouse is only authorized user. He filled for Chapter XXXX Bankruptcy, and Synchrony blocked my account to make payments. I called them in XXXX to let them know that I will keep making payments, and that I am main card holder. I also called my spouse attorney who advised that they can prevent me of making payments only if Chapter XXXX is filled. I had to mail payment for XXXX, and now for XXXX they did not even mail me out statement. I have called multiple numbers ( XXXX and XXXX ) today at XXXX XXXX Eastern Time, and I am receiving answer that they are not working. My payment is due today and online access is blocked by them, so I can not make payment. I do not want to have any late payments reported on my Credit report. Last month they had XXXX people answering the phone, and I could not understand a single word they are saying. I kept asking for US rep. and was told that they do not have anyone working in US. Can you please help?
Product: Money transfer, virtual currency, or money service

I have made a fund transfer from my XXXX XXXX  ( XXXX ) account to my XXXX  wallet, by using XXXX / Xoom transfer service. on XXXX with amount XXXX. 

It was actually done by accident. My idea was to transfer the fund from my XXXX  wallet to XXXX. However, when i did the transaction, the fund was withdrawn from my XXXX XXXX  account, and transfer to XXXX. 
i.e. with this case - Fund was withdrawn from my XXXX XXXX  account - It was transferred to my XXXX account with XXXX / Xoom as a transfer agent I was later informed by XXXX  that fund deposit from XXXX  / xoom is not supported, and they have subsequently issued me a refund. ( refunded with Faster Payment ID XXXX ) This refund was never returned to my bank account or XXXX  wallet. XXXX  has already confirmed that the refund has been issued by quoting the payment ID. 

I have tried to contact XXXX  / xoom support and hoping to indentify where this refund has gone to. 

However, after over 10+ rounds of communication with XXXX  / xoom account, they are still insisting there is nothing they can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car title loan with  XXXX   XXXX  on a  XXXX   XXXX   XXXX  i n 2013. I l ost my job and was unable to make the payments. They took my car and my account was turned over to a company called  XXXX   ,   XXXX . They sued me for {$1000.00}. I paid this to this company and have satisfied this debt. I asked this company to remove this negative item from my credit report but was told that they bought the account so they could not remove it from my credit report. I have contacted  XXXX  that was listed on the credit report was not the original account holder and they would not remove the negative item because I paid another company. This was done by phone. I have sent  XXXX  ( to the address on my credit report  ) 2  letters with no response. I have tried to dispute this with the credit bureaus but I have not gotten anywhere with them. How can I get a negative item removed when I pay the debt when everyone keeps telling me that they ca n't do it because they do n't " own '' that debt anymore. I am trying to buy a house and this is causing me to be unable to qualify for a mortgage. If you pay off a debt then it should be removed from your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/202, I sent a letter to XXXX regarding inaccurate and unknown things on my credit report. It's been more than 30 days and I still have not received a response. I feel as if I'm being taken advantage of and ignored of my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives reason to immediately remove those items from my report. it's been over 60 days so those items should be deleted promptly. I demand that these items be deleted immediately, or I will file for litigation due to stress you have caused. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is very impolite when calling talking to the representative she was very rude and rushy and they still wont remove the credit and I have sent them a letter and even their letters and response to me are rude most incompetent company out there by far!
Product: Mortgage

Due to the Carona Virus my husband 's XXXX  is closed. I called our Mortgage company, TMS, and spoke with a supervisor today, XX/XX/XXXX. I made her aware of our financial problems. She said her company does not have anything in place right now to help homeowners. I sent an email to the company on XX/XX/XXXX with no reply. The Governor of KS, the state we live in has passed a law that mortgage lenders are landlords can not foreclose or evict for the next 90 days. I have already paid XXXX but will not be able to pay XXXX and am unsure of being able to pay in the foreseeable future.
Product: Checking or savings account

I can not make transfers from my HSBC checking account to my accounts in other banks. 

I called HSBC customer services XXXX  times : 1. XXXX  time, XX/XX/XXXX in the morning. After some verification the customer service representative told me that it was resolved and would be working 20-30 minutes after the call. 
2. However, later XX/XX/XXXX in the afternoon I tried again and it still couldnt work. I called customer service again, which transferred me XXXX  to a different department, and after a call for more than an hour ( and multiple times telling me wrong information that it already works ), they told me to call another department on XX/XX/XXXX within XXXX XXXX. 
3. XX/XX/XXXX XXXX XXXX  I called the new number as instructed, they told me that they have no access to my account at all and said the number is again wrong. They asked me to call customer service department ( the department I called from the beginning ) on the next business day. 

The whole process makes it very obvious that HSBC either is not capable at all to provide normal checking account services, or keeps lying and kicking customers without actually trying to resolve the problem. Right now I have no control of my checking account and the only thing I got was being transferred back and forth between departments that claim they do not have access to help make my checking account working.
Product: Debt collection

To Whom It May Concern : Pursuant to my rights under the state and federal debt collection laws, including the Fair Debt Collections Practices Act ( FDCPA ), I hereby request that you immediately cease and desist all oral and written communication with me, along with my family and friends, regarding any and all alleged debts. 

Additionally, my employer prohibits me from receiving your calls or written correspondence at work, so please refrain from contacting my workplace in any manner as well. 

You are hereby notified that if you do not comply with this request, I will immediately file complaints with the Federal Trade Commission, the Consumer Financial Protection Bureau, the Virginia Attorney General 's Office, and other appropriate regulatory bodies. Civil claims may be pursued.

Thank you for your cooperation in this matter.

Sincerely,
Product: Mortgage

We received a letter saying that the mortgage company, Wells Fargo, had not received our updated homeowners policy. We contacted our insurance company and found that they had mailed out our policy to Wells Fargo on XX/XX/XXXX and the XXXX and the coverage did not expire until XX/XX/XXXX XXXX. Wells Fargo then proceeded to place their own policy on our mortgage. I have filed a complaint about this. However, now Wells Fargo has not paid our insurance premium for our insurance coverage as of XX/XX/XXXX and they are set to cancel our insurance as of XX/XX/XXXX, and have sent us a bill. We can not afford to pay our homeowners twice. 
Wells Fargo seems to be in no hurry to resolve our issue and we believe they are withholding our escrow money fraudulently. We pay taxes and insurance monthly to our escrow account and our credit rating should not be affected by Wells Fargo not paying for our coverage in a time.y manner.
Product: Credit reporting or other personal consumer reports

XXXX ) XX/XX/XXXX : Sent letter # XXXX to TranUnion disputing the information listed under the collection account " Fair Collections and XXXX XXXX ''. They were reporting the account as an OPEN ACCOUNT and at the same time reporting it as closed on XX/XX/XXXX. It was paid off in full in XXXX. I also requested a copy of the account information that was sent to TransUnion from the data furnisher ( Fair Collections and Outsourcing ). I RECEIVED NO RESPONSE from Transunion. Letter was sent certified mail return receipt. 

XXXX ) XX/XX/XXXX : Sent letter # XXXX to TransUnion again disputing that the account was being listed as an OPEN ACCOUNT. They were now ALSO reporting a High Balance of {$580.00}. I also AGAIN requested the corresponding documentation showing that it is correct. Letter was sent certified mail return receipt. 
On XX/XX/XXXX TransUnion sent me the investigation results. They said it was VERIFIED AS ACCURATE AND UPDATED. And once again it was showing as an OPEN ACCOUNT. Now next to PAYMENT RECEVIED was a date XX/XX/XXXX ( {$0.00} ). 

XXXX ) XX/XX/XXXX : I also sent a letter to Fair Collections and Outsourcing via certified mail return receipt. Asking for them to VERIFY ( not validate ) my account and requested copies of the documentation that was sent to the Credit Reporing Agencies. The letter was indeed received by someone in the company. I never heard back or received any such documentation from Fair Collections and Outsourcing. 

XXXX ) XX/XX/XXXX : Sent letter # XXXX to TransUnion! I let them know that I contacted the furnisher directly and after almost XXXX months that no doumentation from the furnisher was sent to me. I sent them a copy of the letter that was sent to the furnisher as well. I asked TransUnion how were they able to verify the accuracy of this dispute if the furnisher couldn't provide documentation? I requested them to remove the item from my report as it is unverified at this point. Letter was sent certified mail return receipt. 

XX/XX/XXXX : I recieved the results of dispute from letter # XXXX. AGAIN IT CAME BACK AS VERIFIED AND ACCURATE. STILL SHOWING AS AN OPEN ACCOUNT!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the police report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX : {$3700.00} Date Opened : XX/XX/2015. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

For starters they continued to call me and harass me after being told to leave me alone and that I was XXXX and that if they continued they would cause me XXXX and they continued to the point I lived in utter fear of them and of having a XXXX second they threatened small claims and judgment for years making no attempt to do so until now using max time available to intimidate third statute of limitations in south dakota is 6 years on open accounts they just now on XX/XX/XXXX filed small claims some of these medical bills they are going after stem back to XX/XX/XXXX and they are trying to get a judgement simply so they can harass bully and intimidate for another seven years third these bills are because the original medical company did not file with insurance companies correct with countless attempts to fix these bills should n't even exsist