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

XXXX I opened an Ace CASH Flare, XXXX account. 

I opened an account as part of an offer to receive a {$100.00} credit under the following conditions : " To redeem this offer you must receive a direct deposit of payroll or government benefits to your Account within 60 calendar days of your receipt of this offer. Excludes tax direct deposit. Your receipt of this offer is the date that you establish a Flare Account, including completing account activation and identity verification, as determined by our system-generated time stamp. A credit of {$100.00} will be applied to your Account within 30 business days of receiving qualifying direct deposit. '' XXXX I made a direct deposit from my employer of {$500.00}. 

XXXX After more than " 30 business days of receiving qualifying direct deposit, '' no " credit of {$100.00} '' was applied. 

XXXX I contacted ACE/XXXX  asking for the offer having fulfilled their conditions. 

XXXX ACE/XXXX  replied asking for proof. They claimed that I had to have received an e-mail offer. However, the " ACE Bonus Offer '' PDF contains no reference to any e-mail offer. 

XXXX I sent an e-mail to ACE/XXXX XXXX   customer service providing the proof of the offer and a reference number of my case ID. I have attached the proof as " ACE Bonus Offer. '' XXXX ACE/XXXX  replied stating that they " unable to process your request at this time '' and would " provide you an update within 1-2 business days. '' XXXX 4 business days later, I still had not received an update. I contacted ACE/XXXX  XXXX customer service again asking for the offer having fulfilled their conditions. 

XXXX ACE/XXXX  replied stating that " Someone from the corporate office will contact you directly within the next 2 business days. '' XXXX 3 business days later, I have not been contacted by ACE/XXXX I still have not received the {$100.00} offer having fulfilled their conditions.
Product: Debt collection

Enhanced Recovery Systems XXXX XXXX XXXX XXXX Original creditor. I have never had an XXXX account. I'm sure this should be on another XXXX XXXX XXXX account but this debt is haunting my credit file and causing me not to be able to get an apt now that I am out of college. I never had an XXXX account or any other phone or XXXX XXXX account. My parents still pay my phone bill on the family account for the last 10 years and it is not XXXX.
Product: Debt collection

Cavalry Portfolio Services has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Payday loan, title loan, personal loan, or advance loan

The orginal company Credit Ninja offered me an unreasonable, preditoary, and manipulative loan knowing I would not be able to pay it off, they sold the loan to XXXX XXXX  reasearch and then to the current debt owner XXXX XXXX XXXX XXXX. I believe they are all participating in loan sharking.
Product: Credit card or prepaid card

Capital One Platinum Card My payment is due on the XX/XX/XXXX of each month, I paid on the XX/XX/XXXX on Capital One website, they issued a late payment fee on the very same day, this company is fraudulently churning millions of customers accounts with deceptive terms of service and advertising. XX/XX/XXXXThey are posting payments made on their website on the XX/XX/XXXX as the XX/XX/XXXX after a certain time of day, when it is still the XX/XX/XXXX, this is part of their great fee ch
urning in the same fashion as XXXX XXXX was convicted for.

An example of the major fraud they are running is something their computer software did to me about a year ago, they actually charged my account a late fee on the XX/XX/XXXX, 1 day before the payment was even due. 

Since their software has charged my account a late fee 1 day before the payment was even due, this tells me that Capital One is fee churning customers for late fees as a cash flow profit center. 

So Capital One is using computer programs to fee churn, they need to be investigated for fraudulent fee churning as they are ripping off millions of accounts with flawed computer software that is assessing fraudulent charges to millions of accounts every year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, I have had someone use my identity with different names, addresses and information. I need this investigated and fixed immediately. 

CAPITAL ONE Opened : XX/XX/18 Balance : {$7900.00}
Product: Checking or savings account

I have XXXX  accounts at Citibank. XXXX credit cards and a money market. Last week I attempted to access my accounts and they required me to activate a atm/debit card that I never received nor want. I've been accessing online for two years without any problems nor this as a requirement. When I access now, they only show one of my credit card accounts so I have no access or info on the other two. I've contacted them several times and said that to obtain access and info to those accounts and need to activate a atm/debit card. This has not been the case for the past two years nor part of any agreement.
Product: Checking or savings account

My intended recipient didnt receive my money ( {$2000.00} ) on  XXXX   XXXX ,  2016, I  requested Bank of America  ( " Bo fA '' ) to provide me an official document or the transfer history through online banking which can show me where my money was transferred to, but they didnt and no any respond to me by now.   The information about this transaction from the bank statement and online banking transfer history I can get by now only included the transaction date, my intended recipients name and the amount ( Please refer to the attachment ). But, since my intended recipient didnt receive the money, the information what I got did n't show me exactly where my money was transferred to on  XXXX   XXXX ,    2016.
Product: Mortgage

I have an existing mortgage with US Bank home mortgage ( based in Minnesota I believe ) and have been trying unsuccessfully for almost two weeks to get a payoff balance so I can extinguish the mortgage. Repeated phone calls get me passed from one person and department to another with no one able to provide me an amount or an address to send payment to. Promises of return information by email or phone have gone unfulfilled. Interest is continuing to accrue and I want to pay off this mortgage now.
Product: Mortgage

Applied for Mortgage assistance with Fay servicing and recieved and offer of a loan modification by phone on XXXX/XXXX/15 and recieved written offer on XXXX/XXXX/2015. The new mortage payment under the TPP was more than I had been expecting at almost fifty percent of my take home pay. I consulted with my housing counselor who was unable to determine from the modification offer letter the type of modification i was being offered. My housing couselor then contacted my assisigned specialist at Fay servicing to enquire about the offer I had recieved. The specialist informed him that it was a propriortory, that the HAMP modification had been denied due to insufficant income and insufficant yeild. When my housing counselor asked him if a denial letter had been sent, he was told that no letter had been sent to me because they were able to offer me the propriotory modification. Because I was not sent a denial letter, and therefore did not know that my modification offer was not a HAMP, I was unaware of oppurtunity to appeal HAMP denial. Fay servicing specialist has advised me to appeal denial at this time however if a denial letter had been sent to me at time of HAMP denial, I could have appealed sooner and avoided delays in modification process.
Product: Debt collection

XX/XX/2022 AFNI Inc XXXX XXXX XXXX System XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX To : The Office of Registered Agent for AFNI Inc From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX  XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that gives you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXXXXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. 

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages.

Consumer disputes this debt and ALL claims in accordance of 16 CFR 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 



By : XXXX XXXX XXXX I, XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party and authorize the cfpb to move forward with this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is being reported with incorrect status and history. I have sent numerous letters asking them to update this.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXXXXXX XXXX breach.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent Equifax a letter along with all the required ID documents pointing out inaccuracies on my credit report in XX/XX/XXXX. They have ignored me
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, XXXX XXXXXXXX has added a derogatory mark on my credit report per XXXX XXXX Upon further research, this account was transferred /sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA XXXX XXXX has violated my right as a consumer and I'm requesting legal action to remove this account immediately
Product: Debt collection

Good Morning XXXX XXXX XXXX ; This is unreal! - I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Product: Credit card or prepaid card

I found out today XX/XX/XXXX that my Sams Club account and card was closed on XX/XX/XXXX. I have had this account since XX/XX/XXXX and I have NEVER been late with a payment, In fact I pay early from a SAMS CLUB APP on my phone. I have XXXX debit card accounts as a source to pay on my credit account, ( XXXX XXXX and XXXX XXXX ). On XXXX different occasions I attempted to make EARLY PAYMENTS and the payments were not honored. I selected my XXXX XXXX card to pay, but the XXXX XXXX card was attempted to be debited with insufficient amounts in the account. As soon as I was aware of the problem BOTH times I quickly made payments again. My account clearly shows my payment history as EXCELLENT. But for a glitchy app, my good payment history has amounted to absolutely nothing and my credit report is showing derogatory payment history. Sam 's club closed my account and the managers that I spoke to XXXX nor XXXX, showed any fairness to these facts nor did they take in account my payment history and continued to advise me that my account would remain closed, and that absolutely nothing could be done despite the facts that a payment was not due, nor have I ever been late. I am being shut down because of not yet due payment attempt glitches. I feel that as a consumer I am being punished for doing business with Synchrony Bank and my business is highly unappreciated, no matter what measures I take to do good business, As I have scanned the account requirements, In the payment information sections, I fail to see anywhere that a users account will be terminated for making unsuccessful early payments. Any account manager can look into my account and see exactly how I pay and the cards on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States i have the right to privacy 15 .U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite both contacting furnicher, XXXX  XXXX XXXX XXXX, and credit reporting agencies, Experian and XXXX, the credit reports continues to erroneously state individual responsibility rather than joint responsibility. Initially, XXXX XXXX XXXX XXXX ( XXXX ) in XX/XX/2020, told me that they furnished the account as a joint account as confirmed by the statement : " XXXX XXXX XXXX '' and " XXXX XXXX XXXXXXXX '' at XXXX XXXX XXXX XXXX MI XXXX '' - which should be " XXXX '' rather than " XXXX '' It is not on her credit report. As far as my Experian credit report, I contacted Experian on XX/XX/2020 by US mail. Experian responded via report XXXX for XX/XX/XXXX, reputes what XXXX  XXXX XXXX XXXX told me earlier in the month. The same thing happened with XXXX  in a less specific manner in that it continues to list the responsibility as an individual account rather than a joint account. 
Niether of these credit reporting agencies is correctly stating joint responsibility for this joint account ending in XXXX, nor is either credit reporting agency reporting whatsoever my wife 's individual or joint responsibility for this account we share since about a year ago. Fix it now!
Product: Checking or savings account

I received an offer from Wells Fargo via email stating that if I opened a new savings account and it was funded with {$25000.00} and held for 90 days, I would receive a bonus of {$520.00}, which would be deposited into my Wells Fargo Way2Save Savings. 
I deposited {$360.00} on XXXX and {$23000.00} on XXXX and another {$720.00} on XXXX. I also deposited {$3.00} from my Wells Fargo Credit Card Rewards account.

This totaled {$25000.00}. I waited the 90 days required by the offer and maintained a balance of {$25000.00} the entire period. Reviewing my account no deposit was made. I then went into the Wells Fargo Bank in XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX XXXX ) as asked the the customer service banker, XXXX XXXX XXXX why I did not get the {$520.00}. XXXX XXXX, stated, " it will be deposited in the next 30 days ''. I waited the next thirty days and did not see the bonus deposited into my Wells Fargo Way2save Savings account. I returned to the Wells Fargo in XXXX XXXX and ask the Banker why I did not receive my bonus? He stated he would look into it and get back to me in 10 days. I waited another ten days and no reply or bonus. I then called the Wells Fargo customer phone number and asked what was the status of my bonus? I was not given a reason why my bonus was not deposited. I told I would have to wait another 10 days. After ten more days, I went into another the Wells Fargo Bank in XXXX XXXX ( XXXX XXXX Branch ) and asked to see the branch manager. The Branch Manager, the manager said he would look into it and get back to me. I was given a referral number and waited another five days. I customer service representative called from Wells Fargo and said I did not complete the requirements of the terms of the offer. They stated I did not deposit the {$25000.00} of new money, which was not true. Wells Fargo held my {$25000.00} for over 4 months and paid me a total of XXXX cents. Interest. I have sent Wells Fargo a demand letter for the bonus on XXXX via certified mail.
Product: Credit reporting or other personal consumer reports

I discovered billing errors on my credit report, showing late payments that contradict my usual record. Kindly address these mistakes and update my account.